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Closing Costs 
There are certain standard costs associated with closing the sale of a house. These fees are split between the buyer and the seller, as spelled out in the sales contract. For those of you that qualify for our New Zero4Heroes Program, you can expect to see an incredible saving when it come to closing costs with this program. As I negotiate the sales contract for you, I will not only work to get the sales price you want, I will also work to limit the number of closing costs for which you will be responsible. I 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. Good Faith Estimate Buyers will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan officer's past experience and may not include all the closing costs. I will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates I believe to be low. Standard Closing Costs Loan-Related Costs
- Loan Origination Fee (Waived For Zero4Hero Program)
- Points (optional)
- Appraisal Fee
- Credit Report
- Interest Payment
- Escrow Account
Taxes
- Property Taxes
- Transfer Taxes and Recording Fees
Insurance
- Homeowners Insurance
- Flood or Quake Insurance
- Private Mortgage Insurance (PMI)
- Title Insurance
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