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Closing Costs
Where your closing costs actually go
When you're buying a home or refinancing, closing costs can feel like a surprise tax. But they're not random—they're real services and protections that happen behind the scenes. Lenders' title insurance, appraisals, inspections, taxes, insurance prepayments, and attorney fees all add up. Understanding what you're paying for helps you see the full picture of your mortgage, and sometimes it opens doors to negotiate or shop around. Some costs are firm; others have wiggle room. I always walk clients through their estimate line by line so nothing feels like a mystery on closing day. If you'd like to see what closing costs might look like for your situation, let's talk.
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