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How To Lower Closing Costs
Closing costs help facilitate the sale of a home and both buyers and sellerspitch in. Some closing costs can be paid before the home is officially soldand others are paid at the end.
However, closing costs aren’t set into stone and they can be negotiable. Youcan ask your real estate agent or lender with help in estimating your actualclosing costs. Look over everything to make sure all the numbers are rightand then you plan accordingly in how you’re going to lower them.
Some banks offer assistance to buyers when they use them to help pay forthe purchase. It’s a way for a bank to reward loyal customers.
Closing at the End of the Month
Schedule your closing at the end of the month so you don’t have to pay theper diem interest for so many days.
Get Multiple Quotes
Get estimates from different lenders because you’re looking for the bestpackage of closing costs and interest rates. There might be something betterout there.
There may be some fees a lender charges that may be negotiable, such asorigination fee, processing fee, or application fee. Make sure to ask if whatyou are being quoted is the best they can offer.
Sometimes title insurance and settlement are bundled together. You may beable to find a title and settlement company that is less expensive.
Negotiate With the Seller
You can try to negotiate with the seller in paying for some of your closingcosts. Buyers can ask for credit or to cover lender expenses during the offerand negotiation process.
Jason has lived in the Golden and Arvada area for more than 25 years attending Golden High School and then later gaining a Bachelors of Science Degree in Organizational Leadership and Emergency Manage....