Closing Costs

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All residential real estate sales incurs costs. Buyers and sellers usually split these closing costs, as specified in the real estate sales contract.

Many of the costs associated with buying a home are associated with getting the mortgage loan. Since Aspen Financial Group, Inc. is highly experienced with closings & mortgages, we often explain the details of closing costs.

Good Faith Estimates (GFEs)

Very shortly after you submit your application, we will provide you with the "Good Faith Estimate" of your closing costs. The closing costs enumerated in the Good Faith Estimate are estimated based on our experience with mortgage loans, but costs usually change a little bit between delivery of the Good Faith Estimate (GFE) and closing. We will be glad to review the "Good Faith Estimate," answering your questions and pointing out costs that can vary a little bit at closing.

Below you'll find a general list of costs for buying residential real estate. We will provide you with a specific list of your closing costs when we give you a Good Faith Estimate.

Standard Closing Costs

Loan-Related Costs
  • Up-front Interest Payment
  • Escrow Fees
  • Taxes
  • Loan-related costs
  • Points — lower your interest rate (optional)
  • Appraisal Fee
  • Obtaining YourCredit Report
Property Taxes
  • Insurance
  • Transfer Taxes and Recording Fees
Homeowners Insurance
  • Flood or Earthquake Insurance
  • Private Mortgage Insurance (PMI)
  • Title Insurance
Aspen Financial Group, Inc. can help you understand closing costs. Call us at (303) 369-5033 .

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