Your Closing Costs

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"Closing Costs" are the fees that pay for various services involved in the sale of a house. Sellers and buyers often negotiate the payment of these costs.

As indicated below, many of the buyer's closing costs cover the costs of originating the loan. At US Financial Mortgage Group, we are highly experienced in mortgage lending, so we can compile a comprehensive list of costs related to your mortgage in your "Good Faith Estimate".

The Good Faith Estimate (GFE)

Soon after you apply for a loan, we'll provide you with a "Good Faith Estimate" of your closing costs. The closing costs specified in the Good Faith Estimate are estimated based on US Financial Mortgage Group's experience with mortgage loans, but costs often change a little bit between the Good Faith Estimate (GFE) and closing. We will be glad to review the "Good Faith Estimate," answering questions and pointing out costs that can vary a little bit at the closing table.

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

Standard Closing Costs

Loan-Related Costs

• Taxes
• Loan Origination Fee
• Points — lower your mortgage interest rate (optional)
• Appraisal Costs
• Credit Report
• Up-front Interest Payment
• Escrow Account

Property Taxes

• Transfer Taxes and Recording Fees
• Insurance

Homeowners Insurance

• Flood / Quake Insurance if applicable
• Private Mortgage Insurance (PMI)
• Title Insurance

US Financial Mortgage Group can answer questions about these closing costs. Give us a call: 5596747669.