There are certain standard Florida mortgage loan costs associated with closing the sale  or refinance of a home. Purchase transactions generally allocated fees between the buyer and the seller, as spelled out in the sales contract.  You may see significant cost differences depending on the location of the property.  Broward and Palm Beach Counties have differing local customs regarding the payment of owners Title Insurance on purchase transactions. For help with Owners Title Insurance click:  Security First Title Partners, LLC

As your real estate agent negotiates the sales contract for you, we will also work to limit the dollar amount and type of loan closing costs for which you will be responsible.  Your loan type and its structure will materially impact who and how much is required to be paid.

Should you have recieve a draft Good Faith Estimate from another source, we will walk you through the closing costs, answering any questions you may have, explaining which costs are decreed by law to be yours and which are negotiable. We will be glad to review any "Good Faith Estimate," answering questions and highlighting missing costs and estimates we believe to be outside standard ranges for the type transaction.

Good Faith Estimate

Buyers and Existing Property Owners(on refinance transactions)  will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to underwriting. The estimate is based on the our past experience and may not include all the closing costs.