Your Closing Costs

"Closing Costs" are the fees that pay for various services involved when you sell or buy a home. Buyers and sellers usually negotiate to determine who will pay different portions of these costs.

Many of the closing costs associated with buying a house are associated with getting the mortgage. Since Firelight Mortgage Consultants is highly experienced with closings & mortgages, we are closing cost experts.

Good Faith Estimates (GFEs)

Very shortly after you apply for a loan, we will give you the "Good Faith Estimate" of your closing costs. This cost estimate is based on our past experience. It's important to note that while our GFEs are very precise, we cannot always predict closing costs to the penny. We will be glad to review the "Good Faith Estimate," answering questions and highlighting costs that sometimes vary a little bit at closing.

We've provided a general list of closing costs below, but we'll give you a specific list of closing costs, with amounts, very soon after you have completed your loan application. At Firelight Mortgage Consultants, we don't believe in surprises, so if your costs change, we will be sure to let you know immediately.

Standard Closing Costs

Loan-Related Costs
  • Escrow Account
  • Various Taxes
  • Costs related to "originating" your loan
  • Points — lower your mortgage interest rate (optional)
  • Appraisal Fee
  • Getting Your Credit Report
  • Interest Payment
Property Taxes
  • Transfer Taxes and Recording Fees
  • Insurance
Homeowners Insurance
  • Title Insurance
  • Flood or Quake Insurance
  • Private Mortgage Insurance (PMI)

Firelight Mortgage Consultants can help you understand closing costs. Give us a call: (720) 550-4235.

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