· Negotiate any other seller closing costs. In some cases sellers will take on a portion of the closing costs, lessening the initial financial burden on buyer. This amount will be negotiated once an initial offer is accepted, usually after the buyer does a home inspection.

Real estate closing gifts are a great way to commemorate your client’s new or sold home while staying top of mind. However, choosing a closing gift can be tricky because everyone has different tastes. We talked to top agents to identify their favorite closing gifts plus rules for buying the best gifts for your clients.

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 · Closing on Your Home Equity Loan. Once the processing period is complete, it is time to close on your home equity loan. With Discover Home Equity Loans, the loan closing process is quick and convenient. In most cases, a notary will meet you at your home, office, or other convenient location where you will sign your loan documents.

Apply to get a closing cost estimate. This guide provides closing costs estimates, but each situation is different. The best way to get an accurate closing cost estimate is to apply for your upcoming purchase or refinance. The lender will work up an itemized worksheet of closing costs specifically for your situation.

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The seller can pay your non-allowable closing costs, which is considered a seller concession, and is limited to 4 percent of the sales price of the home. Learn more about VA seller concessions. The buyer’s real estate agent can pay some closing costs in the form of a credit at the closing table.

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The cost of a loan to the borrower, expressed as a percentage of the loan amount and paid over a specific period of time. Unlike an interest rate, the APR factors in charges or fees (such as mortgage insurance, most closing costs, discount points and loan origination fees) to reflect the total cost of the loan.

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