Don't Forget Closing Costs

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"Closing Costs" are the fees that pay for various services involved in the sale of residential real estate. Buyers & sellers usually negotiate to determine who will pay different portions of these closing costs.

As the list below indicates, many of the closing costs result from getting your mortgage. Since Mann Mortgage is highly experienced with mortgages & closings, we are closing cost experts.

Good Faith Estimates (GFEs)

Very soon after you apply for a loan, we will give you the "Good Faith Estimate" of your costs. The closing costs enumerated in the Good Faith Estimate are estimated based on our experience with mortgage loans, but costs usually vary by small amounts between delivery of the Good Faith Estimate (GFE) and closing. We will be glad to review the "Good Faith Estimate," answering questions and pointing out costs that can vary a little bit at closing.

Below is a fairly general list of closing costs. We will always provide a specific list of your closing costs when we give you a Good Faith Estimate.

Standard Closing Costs

Loan-Related Costs
  • Loan Origination Fee
  • Points — These are costs you pay up-front to lower your interest rate (optional)
  • Appraisal Fee
  • Credit Report
  • Up-front Interest Payment
  • Escrow Fees
  • Various Taxes
Property Taxes
  • Transfer Taxes & Recording Fees
  • Insurance
Homeowners Insurance
  • Title Insurance
  • Flood / Earthquake Insurance
  • Private Mortgage Insurance (PMI)
Mann Mortgage can help you understand closing costs. Give us a call: (808) 264-3715.

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