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There is a federal law that requires mortgage lenders to give prospective buyers an itemized, "good-faith" estimate of their closing costs. Sometimes buyers arrive at the closing with this document in hand and proceed to question each item on the final closing statement that does not match the estimate exactly.
These "good-faith" estimates are just that--estimates. The lender's charges will be fairly accurate, but the charges for attorneys, termite inspections, title insurance, and other items that appear on the closing sheet may vary from the estimate. Some pro-rated items, such as taxes or homeowner's association fees, will also be different if you don't close on the date that was used to calculate the estimate. The purpose of the disclosure law is to give you a ball park figure of your closing costs. But the estimate you are given won't be to the penny--probably not even to the dollar!
De Lynn Klosterhoff RE/MAX Properties West 16100 Swingley Ridge Rd. Chesterfield, MO. 63017 636-532-5900 800-949-0490 RE/MAX Office Fax: 636-532-2302 De Lynn's In-office Fax: 636-898-1327 Email: DeLynnK@DeLynnK.com
De Lynn Klosterhoff has over 25 years of real estate experience. She has been honored with the RE/MAX Hall of Fame Achievement Award, the RE/MAX Lifetime Achievement Award and is ranked #4 in her region! Her designations are CRS (Certified Residential Specialist), a designation held by only 1% of all Realtors; ABR (Accredited Buyer's Representative); GRI (Graduate of the Real Estate Institute), having completed a minimum of 90 hours of course study and exams; and RECS (Real Estate Cyberspace), SRES (Seniors Real Estate Specialist). Because of her dedication to the real estate business and her clients, she is in the top 1% of all Realtors in the St. Louis area.
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