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The Buyer Generally Pays For…

There are many opportunities for negotiation. Some things that are typically negotiated are closing cost credits, closing date, inspection repairs, HOA transfer fee, and home warranties. All terms will be documented in the Purchase Contract. Decide what is important to you and ask your real estate agent if there is something you want to negotiate.

  • Lender’s title insurance policy premium
  • Half of the escrow fee
  • All loan fees except those required by the lender for seller to pay
  • Recording charges for all documents in the buyer’s name
  • Interest on a new loan from the date of loan funding to 30 days prior to the first payment due date
  • Hazard insurance premium for the first year in advance and impounds as required by the new lender
  • Property tax impounds as required by the new lender
  • HOA fees, initiation, monthly/annual dues
  • Preservation fees, recreation center fees
  • All inspections

*FHA, VA, and other specialty loans may have specific fee stipulations

The Seller Generally Pays For…

There are many opportunities for negotiation. Some things that are typically negotiated are closing cost credits, closing date, inspection repairs, HOA transfer fee, and home warranties. All terms will be documented in the Purchase Contract. Decide what is important to you and ask your real estate agent if there is something you want to negotiate.

  • Owner’s title insurance policy premium
  • Real estate commission
  • Half of the escrow fee
  • Any seller concessions specified in the purchase contract
  • Payoff plus any fees, charges, and/or penalties and interest on all loans made by the Seller, including statement fees, reconveyance fees, and/or prepayment fees
  • Any encumbrance of record against the seller
  • Recording charges to clear all documents of record against the Seller
  • Home warranty if specified in the purchase contract
  • Prorated property taxes and/or delinquent taxes to date of close
  • Unpaid HOA dues or assessments of record
  • HOA Disclosure Statement

Escrow Fees

Your escrow fees will cover many of the administrative tasks in the closing process. Your officer will usually handle the following so you don’t have to:

  • Arrange for title insurance
  • Order payoff information
  • Calculate and prorate
  • Pay costs and liens
  • Arrange for recording for documents and legal instruments
  • Prepare a closing statement
  • Close the transaction

The PTA Difference

  • At Pioneer Title Agency we offer an all-inclusive escrow fee that includes:
    • Unlimited reconveyance
    • Unlimited couriers
    • Unlimited e-docs
    • Unlimited wires
    • and more!

  • We work with several large national underwriters who can insure the title to your property for the best price.
  • Pioneer Title is a local, Arizona-based company committed to supporting our communities. By paying for our services, you will be supporting your local community and economy!

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