Sellers: As we hammer out your deal, we'll not only work to get the optimal sales price, but we'll also push for reduced closing costs. And once we've reached an agreement, we'll fully explain the closing costs so you are aware of exactly where your money is going.
Buyers: If you're purchasing a house in Surprise, 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 an appropriate range so you're not stunned when you show up at the closing table. We'll be willing to review the estimate with you, answering your questions and highlighting any estimates that seem off.
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