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Understanding What Closing Costs Mean To The Quincy Home Buyer
It is important that the buyer understand all of the costs involved in purchasing a home in Quincy. These costs go way beyond the purchase price. Inspections, fees, appraisals, and on and on and on…. the terminology used in real estate can be extremely confusing for home buyers. What’s more, who pays for these things is even harder to figure out.
Quincy Real estate agents, title company officers, and mortgage providers deal with real estate transactions on a daily basis, so they understand this language. When it comes to what is known as the ‘closing costs’ it becomes even harder to understand for the average home buyer. Because closing costs can be, and often are, negotiated between buyer and seller, there are no clear-cut answers. Let’s start by taking a look at the closing costs that can appear in your closing document:
Upfront, prepaid, interest points Appraisal costs Title transfer costs Realtor fees Loan origination fees Property taxes Homeowner’s insurance These closing costs are simply the extenuating costs of purchasing a home in Quincy. But, they can’t just appear out of nowhere when it comes time to write the check. That’s where the ‘HUD’ comes in.
All closing costs must be disclosed on ... more

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