
	Finding the right home at the right price is just one part of a real estate transaction. Tony & Mary Ann Desiderio is experienced at helping both buyers and sellers when it comes to closings. E-mail or call us today at (570) 715-7734 if your needs include a real estate pro experienced in the business side of buying and selling.

Anticipated closing costs

There are certain basic expenses linked to closing the sale of a house. These costs are usually divided between the buyer and seller, as spelled out in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Pennsylvania to help guide you through your transaction.

Costs pertaining to your mortgage to be paid at closing (Details)

Points (optional)
Appraisal Fee
Credit Report
Interest Payment
Escrow Account

At closing, these taxes are usually paid (Details)

Property Taxes
Transfer Taxes and Recording Fees

At closing, these fees are often due (Details)

Homeowners Insurance
Flood or Quake Insurance (optional)
Private Mortgage Insurance (PMI) (optional)
Title Insurance

Sellers: As we negotiate your transaction, I'll not only work to get the highest sales price, but I'll also push for limited closing costs. And once we've come to an agreement, I'll fully explain the closing costs so you are informed of exactly what you're paying for.

Buyers: If you're buying real estate in Luzerne County, you will receive a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within an acceptable range so you're not astonished when you arrive at closing time. I'll be happy to go over the GFE with you, answering your questions and highlighting any estimates in question.