Sellers: As we get through the details of your transaction, not only will I work to get the optimal sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll describe in detail the closing costs so you are informed of exactly where your money is going.
Buyers: When buying a home in Phoenix, you'll 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 acceptable range so you're not stunned when you come to the closing appointment. I'll be happy to go over the estimate with you, answering your questions and highlighting any estimates that seem unusual.
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