About Closing Costs

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"Closing Costs" are the fees that pay for the various services involved when you sell or buy a house. Sellers and buyers almost always negotiate to decide how to share these costs. As indicated below, many of the buyer's closing costs are related to the costs of getting the loan. Since Integris Loans LC is highly experienced with mortgages & closings, we are closing cost experts.

The Good Faith Estimate (GFE)

Very shortly after you apply for a loan, we will provide you with the "Good Faith Estimate" of your costs. This closing cost estimate is based on the loan officer's past experience. It's important to note that while our GFEs are very precise, we cannot always predict your closing costs to the penny. We explain GFEs with buyers almost every day, so we will be happy to answer your questions about closing costs. Below you'll find a fairly generic list of closing costs. We will always provide a specific list of your closing costs when we deliver your Good Faith Estimate.

Standard Closing Costs

Loan-Related Costs

  • Escrow Account
  • Various Taxes
  • Loan-related costs
  • Points — lower your interest rate (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment

Property Taxes

  • Recording Fees and Transfer Taxes
  • Insurance

Homeowners Insurance

  • Title Insurance
  • Flood or Quake Insurance if applicable
  • Private Mortgage Insurance (PMI)

At Integris Loans LC, we answer questions about closing costs every day. Call us at 801-413-4570.