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The Smart consumer s Guide to Reducing Closing Costs When buying, selling or refinancing a home The Smart consumer s Guide to Reducing Closing Costs Copyright 2013 | ENTITLE DIRECT 2 TABLE OF CONTENTS An Introduction to Closing Costs .. 4 The Closing Process Begins with a Good Faith Estimate .. 4 What are typical closing costs? .. 5 I. Real Estate Broker or Agent Fee .. 6 II. Items Payable in Connection with Loan .. 6 Application fee .. 6 Loan origination charge .. 6 Discount points .. 7 Wire transfer fee .. 7 Appraisal fee .. 7 Lender-required home inspection fee .. 7 Termite/pest inspection .. 7 Property survey .. 8 Flood determination fee/flood certification fee .. 8 Private mortgage insurance (PMI) premium and application fee .. 8 Credit report .. 8 Document preparation .. 9 III. Items Required by Lender to Be Paid in Advance.
The Smart Consumer’s Guide to Reducing Closing Costs . When buying, selling or refinancing a home
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