Closing Costs EXPLAINED for Buyers & Sellers (Save $$$)

Описание: Closing costs can feel like a black box—until you know exactly who pays what and which fees are truly negotiable. Real‑estate attorney Scott Horne breaks down every major expense in a traditional deal, from realtor commissions and seller concessions to lender points and title charges. Whether you’re listing a property or getting a mortgage, this quick guide shows you how to save money and protect your bottom line.

What you’ll learn:
The three biggest fees sellers face (and how to negotiate them)
Why buyer “closing‑cost credits” are making a comeback
Title and escrow charges: which are fixed, which can be shared
Hidden holding costs sellers forget to factor in
How buyers can slash lender and insurance fees before closing
The one document you must read before you sign

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Chapters & Timestamps
00:00 - Intro – Why Closing Costs Matter
00:20 - Closing Costs = Seller + Buyer
00:35 - Seller Cost #1: Realtor Fees
01:31 - Do Open Houses Really Sell Homes?
02:05 - Seller Cost #2: Paying Buyer Fees
03:06 - Time‑vs‑Money: When 3% Makes Sense
04:04 - Seller Cost #3: Title & Escrow Fees
05:15 - Negotiating Who Pays Which Fees
05:48 - Property Taxes & “Inevitable” Costs
06:27 - Repairs, Warranties & Misc. Extras
07:05 - Curative Issues: Liens & IRS Debt
07:57 - Buyer Costs Begin: Realtor Agreements
08:36 - Largest Buyer Cost: Mortgage Fees
09:42 - Shopping Your Loan & Insurance
10:10 - Asking Seller to Cover Closing Costs
10:39 - Picking the Title Company (RESPA Rule)
11:36 - Summary of Buyer Fees
12:08 - Read Your Loan Estimate & CD
12:48 - “Junk Fees” Add Up—Watch Out
13:11 - Wrap‑Up & Subscribe