Sellers: As we get through the details of your deal, not only will I work to get the optimal sales price, but I'll also campaign for reduced closing costs. And once we've reached an agreement, I'll describe in detail the closing costs so you are aware of exactly what you're paying for.
Buyers: If you are buying a property in Downey, you will receive a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's past experiences and are required to be within a suitable range so you're not startled when you come to closing time. I'll be happy to look over the estimate with you, answering your questions and highlighting any estimates that are uncertain.
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