A lender will need specific information to determine your loan amount. This is crucial to knowing your price range and having a successful home purchase as well as letting sellers know that you are serious buyers.
Gaining an understanding who pays for what closing costs will ensure that there are no surprises.
Typical Seller Fees
Real Estate Commission
Prorated property taxes
Prorated homeowners association fees
Attorney fee for deed preparation
Any recording fees to satisfy the deed of trust
Attorney fees, including faxes, copies, and courier to pay off the mortgage
State revenue stamps
Home warranty (negotiable)
Typical Buyer Fees
Prorated property taxes
Prorated homeowners association fees
Fees associated with getting the loan, including origination
Appraisal
Attorney fee for closing
Title insurance
Recording fees for deed and deed of trust
Survey (optional)
Home inspection
30-year Fixed Rate: 4.000%
15-year Fixed Rate: 3.625%
FHA and VA 30-year Fixed: 4.000%
Rural Development 30-year: 4.125%
Recent rates received from River Wood Bank.
For more information, you can reach out to this bank at (218)751-8610.
Rates may vary based on many factors, such as credit score.
Use these rates as a guide, but know that they are not guaranteed.
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