Scott Buehler Utah Home Loans
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What About Closing Costs on My Mortgage When Money is Tight?

Understanding mortgage closing costs

What are closing costs? Loan costs include the multiple fees for the services and expenses required to finalize a mortgage. You’ll have to pay loan costs whether you buy a home or refinance. All of the costs required for your mortgage will be disclosed within 3 days of submitting your complete loan application.

What if I don’t have enough savings to cover all of the loan closing costs? Your mortgage costs can come from other resources besides your own personal savings. It’s possible to write your real estate contract with seller concessions to help. You can also borrow your mortgage costs from an immediate relative with a letter of explanation that says there is no expectation of payback. Some loans also allow Loan Officers to finance some or all of the home loan costs into your mortgage.

There’s plenty ways that I can assist you as your loan officer. What happens is after I get your “financial story,” if you need help with closing costs, I will have a discussion with your real estate agent to find solutions to leap that hurdle.

Please consider taking my 60-second questionnaire to tell me a little about your financial story. Let’s see if we can find you a solution to realize your home ownership dreams!

About the Author Scott Buehler

Your epic Utah home loan lender. I've spent years researching home loans so you won't need to. Whether you are buying, selling or need to refinance, call Scott Buehler today at 435-590-1019. Ask me about my 100% financing options, my digital loan experience and total loan cost analysis. Get started with my pre-qualification questionnaire.

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