Posts from January 6th, 2019
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6
The Extra Costs Behind Buying a Home
I remember the first time I sat in a title company's office, closing on my first house. The excitement and sense of accomplishment were feelings I will not soon forget (even though this was over 10 years ago.)
As a first time home buyer, I felt prepared... I had done my research and made a spreadsheet, after all. Our monthly income minus our monthly payments (PMI and insurance included) was something we were ready to take on. We were confident in our finances. But then, a few days prior to closing, we received our settlement disclosure paperwork. For those unaware, this is the paperwork that breaks down every dollar of the transaction. What the seller pays and what the buyer pays. As I sat down to go over the ins and outs, I couldn't help but wonder... "what in the world were all of these charges??" I knew we were going to need a cashier's check to cover our down payment, but I had not, at all, pl...
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