Understanding insurance costs at closing – Sunny Spot Realty, Inc

Insurance Closing Costs

Homeowner's Insurance
This insurance covers replacement costs for damages caused by fire, wind or other disaster that might affect the value of the property. Typically, the insurance also includes personal liability and theft coverage.

Flood or Quake Insurance
Additional hazard insurance coverage that is required for homes located in a designated hazard zone as established by the Federal Emergency Management Agency (FEMA). As we tour houses, I will let you know if the property resides in a hazard zone.

Private Mortgage Insurance (PMI)
Insurance required for conventional mortgage loans when the borrower's down payment on the house is less than 20 percent of the loan value.

Title Insurance
This policy protects both the buyer and lender by insuring a clear chain of title. (In other words, it insures that that the person who sells the house has the legal right to do so.)

I have a great lender that can help you.

Mortgage Calculator:

Sales Price:		$
Down:		%
Interest Rate:		%
Term:		yrs

Monthly payment:		$

Today's Rates:

Mtg Loan

Rate

APR

30-yr Fixed	4.95%	5.11%
15-yr Fixed	4.32%	4.55%
1-yr Adj	4.22%	5.24%

* national averages

Buyer Information Request form. First & Last name.

Fill out form correctly please. First and last name with caps on first
letter,
Email must be accurate to receive the homes.
Accurate phone incase I need more information or to verify for
Cheapest sailboat homes password.
All information is strictly confidential.
Thank you! Now let's get started.....

Best Buys Request Form

*1 Primary City of interest:
Phone:
*Email:
*Type of home, House, condo etc.:
*I am ready to purchase now! Yes or No.:
If above is no, then when? Date.:
Date you will look at homes:
*Realistic Price Range.:
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*# of bedrooms 2,3 etc.:
*Aproximate living area, 1,900 etc:
*Pool? yes or no:
*Getting a mortgage? yes or no:
*Saltwater canal desired? or..:
*Or..Fresh water canal not to Gulf:
*Oldest built home acceptable (ex. 25 yrs):
Any details to help me help you.:
*First Name "Required":
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*cell phone w area code:
*Home phone w area code:
*Best time to call you?:
Check;Phone, full name is correct.:
*Name:
Request password\|Link for Cheapest Sailboat homes:

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* MOL = More or Less

Call today! (239) 770-0686 Joseph Beauvais (Buyers Agent) to set up a time to view and buy any offerings.

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