
	Don't forget to factor in closing costs when considering a home sale or purchase. Charles Rutenberg Realty, Inc. is seasoned at assisting both buyers and sellers when it comes to closings. E-mail or call us today at 727-424-2238 if your needs include a real estate pro ready for the business side of real estate.

What closing costs should you expect?

There are certain normal fees related to closing the sale of a house. These fees are often split between the buyer and seller, as spelled out in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Florida to help lead you through the process.

Closing costs that are tied to financing (Learn more)

Points (optional)
Appraisal Fee
Credit Report
Interest Payment
Escrow Account

Taxes you may be responsible for at closing (Learn more)

Property Taxes
Transfer Taxes and Recording Fees

Insurance fees due at closing (Learn more)

Homeowners Insurance
Flood or Quake Insurance (optional)
Private Mortgage Insurance (PMI) (optional)
Title Insurance

Sellers: As we hammer out your transaction, not only will I work to get the very best sales price, but I'll also campaign for lower closing costs. And once we've come to an agreement, I'll explain in detail the closing costs so you are informed of exactly where your money is going.

Buyers: When purchasing a home in Pinellas County, you'll be given a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within a suitable range so you're not shocked when you come to the closing appointment. I'll be happy to go through the GFE with you, answering your questions and highlighting any estimates that seem off.