Mortgage Broker Company - Closing Costs not of the lender

Escrow/Settlement Fee - they vary from state to state

Title Insurance - This lets you know you have clear title to the property you are purchasing. 

Notary Fees - Loan documents should be notarized.

Recording Fees - Certain documents will be recorded with your local county recorder.

Pest Inspection - Searching for pest infestations, wood rot and water damage.

Home Inspection - Searches the home for any defects.

Home Warranty - This can be optional - covers stuff like major appliances.

Loan Tie-in Fee - Compensates the settlement agent for their services.

Sub-escrow Fee - A fee that compensates the title insurance company for working with the settlement agent.

Homeowner’s Association Transfer Fee - If you purchase a home associated with a Homeowners’ Assocation this will cover the transfer of documents to the new owner.

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