Don't forget to factor in closing costs when considering a home sale or purchase. Kevin Heinbuch is seasoned at aiding both buyers and sellers when it comes to closings. E-mail or call me today at (319) 360-7139 if your needs include a professional REALTOR® experienced in the business side of real estate.

What closing costs should you expect?

There are certain standard expenses linked to closing the sale of a house. These costs are usually divided between the buyer and seller, as noted in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Iowa to help show you through the deal.

Closing costs that are loan-related    (Learn more)

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

Taxes commonly paid at closing    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Learn more)

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

Sellers: As we hammer out your deal, not only will I work to get the highest sales price, but I'll also push for reduced closing costs. And once we've come to an agreement, I'll fully clarify the closing costs so you are aware of exactly where your money is going.

Buyers: If you are buying real estate in Linn County, you will receive 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 past experiences and is required to be within a reasonable range so you're not shocked when you reach the closing appointment. I'll be happy to go through the GFE with you, answering your questions and highlighting any estimates of concern.

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