About Closing Costs

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Every home sale incurs fixed costs. Buyers and sellers customarily split these costs, as the sales contract specifies.

As you'll see below, many of the closing costs result from getting your mortgage loan. Since Mutual Security Mortgage has extensive experience with closings and mortgages, we can help you understand your closing costs.

Good Faith Estimate (GFE)

Buyers get a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The closing costs specified in the GFE are estimated based on Mutual Security Mortgage's experience with mortgage loans, but costs often vary by small amounts between the GFE and closing. We answer questions about closing costs every day at Mutual Security Mortgage, so please feel free to contact us if you have questions.

Below is a general list of costs for buying residential real estate. We will provide a specific list of your closing costs when we give you a Good Faith Estimate.

Standard Closing Costs

Loan-Related Costs
  • Appraisal Fee
  • Getting Your Credit Report
  • Interest Payment
  • Escrow Account
  • Various Taxes
  • Loan-related costs
  • Points — These are costs you pay up-front to lower your mortgage interest rate (optional)
Property Taxes
  • Transfer Taxes & Recording Fees
  • Insurance
Homeowners Insurance
  • Title Insurance
  • Flood or Earthquake Insurance
  • Private Mortgage Insurance (PMI)
Mutual Security Mortgage can answer questions about these closing costs. Give us a call at (303) 931-7879.

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