Settlement Charges

That actually isn'y too bad. Most escrows close with lots of last minute junk fees piled on at the last minute.

Example, photo copies of documents at $10 a pop, or duplicated services such as a "filing fee" and a "registration fee".

Demand receipts from all the charges for services they pass on to you. Then after escrow closes, examine the fees in detail. If they are out of line or unsubstantited, sue them and force them to give you a rebate.

Double check the pro-rate amounts and make sure that you are given proper credit for those amounts by the service. For example, pro-rated insurance, taxes, and assoc. fees.

How different is this from the estimate charges that was given to you when you started this?

 

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Looks like a $195,000 loan too me. Doesn't look too bad for that size of a loan. I think the loan origination fee is standard, and the discount fee usually drops the interest rate 1/8% per point.

 

Hi Dani your figures seem in line to me, I take it we are looking at 195K home or so?

My settlement cost ended up being 145 less than my GFE, they had over estimated my property taxes and Home owners insurance, I went with Amex for home owners and saved a few bucks.

But always always go line by line and ask exactly what is this for and what that is for. I did this for my whole GFE I wanted to know exactly what I was being charged for.