Closing On A Home

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Knowing what closing costs are required in a mortgage is important, especially for first-time buyers who have not been through the mortgage.

 · While first-time homebuyers typically focus on saving money for a down payment, you also need to budget for closing costs, which are an essential expense of homebuying. Some closing costs, such as real estate agent commissions, are paid by home sellers.

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 · The loan is approved, the contract is signed, the title is clean, the closing date is set, and everything seems on track to get that home. And then some people do.

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Home buyers (and sellers, too) unfamiliar with closing costs should know that closing costs are pricier than they may have expected. That makes knowing the number on closing costs on a new home.

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The closing process for a home sale is the final stage, after the sales contract is signed, after the mortgage is finalized with the bank or other lender, and after the house is vacated and made available. It is a legal process between the buyer and seller, requiring an attorney, financing documents, and the various fees and payments.

However, seller closing costs are deducted from the profits made on the sale of the home at closing, so you rarely need to bring cash to closing. According to Zillow research, 61% of sellers are first-time sellers, and the closing process can be confusing. Read on for our guide to seller closing.

 · Real estate closing gifts are a great way to commemorate your client’s new or sold home while staying top of mind. However, choosing a closing gift can be tricky because everyone has different tastes. We talked to top agents to identify their favorite closing gifts plus rules for buying the best gifts for your clients.