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Closing Costs in Pawleys Plantation, SC


 

Closing costs are a part of getting a home loan. These fees will be charged by both us and third parties, and most closing costs will be paid by the buyer, not the seller when the loan closes.  You can negotiate with the seller to pay a portion of your closing cost.  The % of the closing cost they are allowed to pay varies based on program and loan to value. 

After applying for a loan, we will provide you with a loan estimate (LE), within 3 business day after application, along with a closing disclosure (CD) containing loan or transaction information received a minimum of 3 business days before closing.

Third Party Closing Costs Pawleys Plantation, SC

Common Closing Costs in Pawleys Plantation, SC

Closing costs will depend on the home in Pawleys Plantation, SC, loan type, and area, but common fees include:


 
  • Loan origination fee
  • Credit report fee
  • Home inspection fee
  • Appraisal fee
  • Survey Fee
  • Pest inspection fee
  • Underwriting fee to evaluate your application
  • Recording fee to the city or county
  • Escrow deposit to pay some property taxes and mortgage insurance
  • Title insurance for the lender's protection
  • Discount points
Common Closing Costs Pawleys Plantation, SC

Common Third-Party Closing Costs in Pawleys Plantation, SC

Some fees are charged by us, but many will be charged by a third party.
 


 
Home Appraisal Fee in Pawleys Plantation, SC

Home Appraisal Fee in Pawleys Plantation, SC

This appraisal determines the market value of your home, and we will require the appraisal before approving your loan amount.

Credit Report Fee

Credit Report Fee

This fee is charged so we can review your credit report. The fee will be charged by the credit bureau.

 
Closing Fee

Closing Fee

The title company in Pawleys Plantation, SC will charge a closing fee for the transaction.

Title Search Fee

Title Search Fee

This fee will be charged by the title company to search property records, including prior deeds, court records and property indexes to make sure the title is clear.

 
Survey Fee in Pawleys Plantation, SC

Survey Fee in Pawleys Plantation, SC

If necessary, this fee will be charged to verify boundary lines.

Title Insurance

Title Insurance

We in Pawleys Plantation, SC will require a Lender's Policy, which protects them by ensuring the mortgage is a valid lien on the home.

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Mortgage Investors Group, based in Tennessee, offers residential financing in a number of states in the southeast, See MIG Service Areas. Terms and conditions to apply to home financing. We want to share with you the loan terms vary based on several characteristics and your financial profile. These include but are not limited to loan program, loan purpose, occupancy, credit history, credit score, assets, and other criteria per loan type. The repayment terms and interest rate may vary from time to time. The terms represented here are based on certain assumptions outlined below and/or noted on the loan outline page. Additional details concerning privacy, program disclosures, licensing specifics may be found at migonline.com Legal Information.

MIG Loan Officers will help gather the information needed for an individual assessment to provide home financing which matches the loan characteristics with your home financing needs based on your financial profile, when you are ready to begin a full loan application. For estimates and general information before that step, the basis for which the mortgage financing information are as follows:

  • Rates are subject to change at any time.
  • Rate locks are available at current terms for 30 to 180 days based on program type, credit profile, property location, etc. which will affect the available rate and term.
  • Rate locks are available at current terms for 30 to 180 days based on program type, credit profile, property location, etc. which will affect the available rate and term.
  • Payments will vary based on program selection, current rates, property location, etc.
  • Not all programs are available in all states.
  • Some loan programs may not be available to first time home buyers.
  • Terms and conditions apply, which may include restrictions or limits per loan program.
  • Information is generally based on primary residence occupancy with no cash out when refinancing.
  • Unless otherwise stated, terms shown are estimates based in part on credit score of 700 or higher; owner occupancy, escrow account is established for taxes and insurance(s); debt-to-income ratio no higher than 43.0%; PMI applies to conventional loan programs over 80.0% LTV; VA,FHA & RD require insuring fees included in loan and/or payment; fixed rate, 30 year term.

An MIG Loan Officer is available to help with your financial details to determine which characteristics apply to your situation for a personalized look into which loan program best fits your home financing needs. Please use the Find a Loan Officer link or reach out to Mortgage Investors Group at 800-489-8910. Equal Housing Lender 1.2020