Sellers: As we negotiate your deal, I'll not only work to get the very best sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll give a detailed list of the closing costs so you know exactly where your money is going.
Buyers: If you're purchasing a house in Newport Beach, you will receive a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's previous experience and are required to be within a reasonable range so you're not astonished when you show up at closing time. I'll be willing to go over the estimate with you, answering your questions and highlighting any estimates in question.
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