Sellers: As we negotiate your deal, not only will I work to get the very best sales price, but I'll also advocate for reduced closing costs. And once we've come to an agreement, I'll give a detailed list of the closing costs so you are informed of exactly what you're paying for.
Buyers: If you are purchasing real estate in Portland, you will get 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 reach the closing table. I'll be glad to look through the estimate with you, answering your questions and highlighting any estimates that seem questionable.
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