closing costs, Huntsville Alabama Real Estate

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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.

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
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

Find out what your home value is, get a free estimate home value evaluation and find home value for your property in today’s Huntsville, Madison Madison County Real Estate Market. Our trained staff will estimate home value for your home and determine your home market value. Please note that this free home value is only for properties in The Greater Huntsville, Madison, Hampton Cove and Madison County area. This home value appraisal is provided as a free service so homeowners may get home value for their properties that they may consider selling. This is not a home value calculator but an actual market survey performed by an experienced realtor.

* MOL = More or Less

Huntsville Alabama Area News and Real Estate News

Interim aviation college coming to Albertville
1/1/0001 12:00 AM
The city of Albertville is starting an aviation college at its airport. It's only temporary for now, but city leaders hope it will eventually turn into a permanent aviation campus for North Alabama......

Winter cold is keeping some from heating their home
1/1/0001 12:00 AM
Tuesday night's below-freezing temperatures have many of us cranking up the heat. But not everyone can afford the utility bill.......

Re-Appointment Tabled for Russellville Police Chief
1/1/0001 12:00 AM
Council members in one Valley city re-appointed most of its public officers Monday night, all except for the man who leads those to serve and protect.......

Has a gold rush hit the Valley?
1/1/0001 12:00 AM
Many people are strapped and looking to scrap this holiday season, and that means doing some gold-digging......

Six in custody after agents nab one-pot lab, paraphernalia in Marshall County
1/1/0001 12:00 AM
Members of Marshall County's Safe Streets Task Force busted a meth lab Tuesday afternoon. They got their hands on a slew of drug paraphernalia in the process......

Gulf Stream Provides "Fast Track" for Clements Balloon
1/1/0001 12:00 AM
Balloon release reaches New York......

Valley firefighter injured in Iraq
1/1/0001 12:00 AM
A Valley soldier's convoy was hit by an improvised explosive device......

Ways to stay warm and be economical
1/1/0001 12:00 AM
There are ways to stay warm and be economical......

EPA cleaning up Shoals
1/1/0001 12:00 AM
The EPA is in the Shoals this week cleaning up a toxic mess. They say the public does not need to be concerned about any health risks......

Wanted sex offender turns himself him
1/1/0001 12:00 AM
A WAFF 48 News update on a convicted sex offender wanted in Tennessee. Deputies say Darren Little turned himself in to the Lincoln County Sheriff's office. Little was convicted for possession o......

Huntsville Alabama Area News and Real Estate News

Mother celebrates murdered son's birthday
11/18/2008 6:08 PM
A Huntsville mother held a candlelight vigil on the day that would have been her son's 30th birthday.

Melinda Umphrey pleads guilty in Fire College case
11/17/2008 5:51 PM
The wife of a former Shelton State Community College president has pleaded guilty to three federal wire fraud counts and will forfeit more than $156,700 in pay and benefits reaped from a phony job she got at ...

Deer linked to deadly wreck in north Ala.
11/17/2008 9:49 AM
Authorities in Morgan County blame a deer for causing a one-vehicle crash that left a Huntsville woman dead.

Saturday church burglary under investigation
11/17/2008 5:32 AM
Huntsville Police need your help to find the person responsible for burglarizing a church.

Huntsville's a good place to raise kids
11/17/2008 1:23 AM
BusinessWeek ranks Hunts-ville among the nation's top affordable cities to raise children.

Huntsville area activists cheer Obama win
11/16/2008 1:02 AM
When they were last united, they were driving station wagons to Selma, dancing in the streets of a Black Belt town, making wagon covers for another march on Washington.

No. 20 Auburn routs Alabama A&M 91-53
11/15/2008 1:42 AM
HUNTSVILLE, Ala. - DeWanna Bonner scored 25 points to lead No. 20 Auburn to an easy 91-53 season-opening win over turnover-prone Alabama A&M on Friday night The Tigers converted 37 Alabama A&M turnovers into 43 ...

Huntsville Police Arrest Man in Two Bank Robberies
11/14/2008 5:24 PM
Huntsville Police and U.S. Marshals have arrested a 22-year-old man in two recent bank robberies.

Man run over by train survives
11/14/2008 1:16 PM
Talk about being lucky - a north Alabama man is alive after being run over by a train.

High-Performance Ares Rocket Engine Passes Review
11/14/2008 9:01 AM
NASA's newest high-performance rocket engine, the J-2X, successfully completed its critical design review Thursday at NASA's Marshall Space Flight Center in Huntsville, Ala.

Huntsville Alabama Area News and Real Estate News
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Huntsville Alabama Area News and Real Estate News
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Huntsville Alabama Area News and Real Estate News

Huntsville Alabama Real Estate Blog / What is Negative Amortization?
3/17/2007 10:04 AM
Huntsville Alabama Real Estate Blog / What is Negative Amortization?Posted by Lenny Kelman After posting an explanation on adjustable rate mortgages, I have been asked what a negative amortization loan is. Here is a brief overview:A negative amortization loan is an adjustable rate mortgage that allows the consumer to tap into home “equity” by offe......

Huntsville Alabama Real Estate / National Economic Conditions
3/8/2007 6:40 AM
This week brings us the release of four factual economic reports to be concerned with along with the minutes from the last FOMC meeting. Two of the three reports are considered to be only moderately important while one is of low importance to the bond and mortgage markets. Still, the last report of the week [.........

Huntsville Alabama Real Estate; Rates Heading Down This Year?
3/1/2007 4:11 PM
Rates Heading Down This Year? The recent decline of the stock market may be an early indicator of what is coming for the remainder of the year. If the correlation between the NAHB’s Housing Market Index and the S&P 500 Index holds true, we may see substantial decreases in home mortgage rates in the coming [.........