Don't forget to factor in closing costs when considering a home sale or purchase. Jack Gaughen Network Services Hower & Associates is experienced at helping both buyers and sellers when it comes to closings. E-mail or call us today at 717-436-8200 if your needs include a real estate pro ready for the business side of buying and selling.

What closing costs should you expect?

There are certain typical costs associated with closing the sale of a house. These fees are usually split between the buyer and seller, as instructed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Pennsylvania to help guide you through the transaction.

Closing costs that are loan-related    (Click here for more information)

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

Taxes you may be responsible for at closing    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for more information)

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

Sellers: As we negotiate your sale, we'll not only work to get the very best sales price, but we'll also push for lower closing costs. And once we've arrived at an agreement, we'll walk you through the closing costs so you are aware of exactly where your money is going.

Buyers: When purchasing a home in Pottawatomie County, you will be given 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 previous experience and is required to be within a suitable range so you're not astonished when you come to the closing appointment. We'll be willing to go through the GFE with you, answering your questions and highlighting any estimates that are uncertain.

scrow Account

Taxes you may be responsible for at closing    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

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

Sellers: As we get through the details of your sale, 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 explain the closing costs so you are aware of exactly where your money is going.

Buyers: If you are purchasing real estate in Juniata County, you'll get 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 previous experience and is required to be within an acceptable range so you're not astonished when you show up at closing time. I'll be willing to look over the GFE with you, answering your questions and highlighting any estimates that seem unusual.

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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 3.91% 4.04%
15-yr Fixed 3.18% 3.35%
1-yr Adj 2.74% 3.4%
* national averages