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RATES

I'M A BUYER, CAN YOU HELP ME? You bet!  We can help you every step of the way.  Contact us and we will walk you through every part of the closing process.

I'M A REALTOR, CAN YOU HELP ME?
Absolutely! The smoother the closing process is for your client, the better you look. At BUYER'S TITLE, we pride ourselves on smooth closings. 

I'M A LENDER, CAN YOU HELP ME?
Without a doubt!  Lender's can't start making money until loans are closed.  BUYER'S TITLE can get your loans closed quickly and efficiently making you AND your banking customer happy.

I'M A DEVELOPER, CAN YOU HELP ME?
YES!  From platting your large parcel of land to closing each individual sale, we can get your completed closing package AND PROCEEDS to you without delay.

I'M A SELLER, CAN YOU HELP ME? 
Of course we can.  As a seller, you are required to come to closing with certain documents.  We can prepare those for you.  Also, in some counties, the Seller is required to produce Title Insurance. At BUYER'S TITLE we never charge more than promulgated rate.

Title Insurance Rates

The following are promulgated (the least expensive allowed by law) rates. 

$75,000.00         $431.25 $190,000.00 $1,025.00
$80.000.00         $460.00 $195,000.00 $1,050.00
$85.000.00         $488.75 $200,000.00 $1,075.00
$90.000.00         $517.50 $205,000.00 $1,100.00
$95,000.00         $546.25 $210,000.00 $1,125.00
$100,000.00       $575.00 $215,000.00 $1,150.00
$105,000.00       $600.00 $220,000.00 $1,175.00
$110,000.00       $625.00 $225,000.00 $1,200.00
$115,000.00       $650.00 $230,000.00 $1,225.00
$120,000.00       $675.00 $235,000.00 $1,250.00
$125,000.00       $700.00 $240,000.00 $1,275.00
$130,000.00       $725.00 $245,000.00 $1,300.00
$135,000.00      $750.00 $250,000.00 $1,325.00
$140,000.00      $775.00 $275,000.00 $1,450.00
$145,000.00      $800.00 $300,000.00 $1,575.00
$150,000.00      $825.00 $325,000.00 $1,700.00
$155,000.00      $850.00 $350,000.00 $1,825.00
$160,000.00      $875.00 $375,000.00 $1,950.00
$165,000.00      $900.00 $400,000.00 $2,075.00
$170,000.00      $925.00 $425,000.00 $2,200.00
$175,000.00      $950.00 $450,000.00 $2,325.00
$180,000.00      $975.00 $475,000.00 $2,450.00
$185,000.00   $1,000.00 $500,000.00 $2,575.00

*** Note: Simultaneous Issue $25.00. All Lender required endorsements $25.00 each, except Florida Form 9 and Navigational Servitude which are 10% of title premium. Title premiums are calculated at $5.75 per thousand for first $100,000.00 and $5.00 per thousand for each additional thousand over the first $100,000.00 up to $1,000,000.00

 

CONVENTIONAL MORTGAGE:

Closing Costs*

Charges to Seller

1. Doc Stamps on Deed @ $7.00 per $1000.00.            

2. Abstract: approx, $250.00 for continuation of Mortgage $10.50.

3. Document preparation $250.00.

4. Pay off Existing loan(s).

5. Real Estate Commission.

6. Tax proration to date of closing.

7. Recording Satisfaction.

8. Tax Search $10.00.

9. City Lien letter $25.00.

10. Overnight Courier $50.00.

11. Closing fee $150.00.

Charges to Buyer

1. Owners Title Insurance.

2. Simultaneous Issue (Lenders Policy).

3. Loan Points (see Good Faith).

4. Title examination fee $150.00.

5. Doc Stamp on Mtg. @ $3.50 per $1000.00.

6. Intangible Tax on note @ $2.00 

7. Recording fees: Deeds $6.00 

8. Inspections $50.00 Roof $50.00 18 . Closing Fee $200.00.

9. Recertification $125.00.

10. Proration of appliance policy.

11. Prepaid maintenance.

12. First year Homeowner’s and flood insurance.

13. Survey $300.00.

14. Escrows: Taxes, Hazard per $1000.00 and Flood Insurance.

15. Endorsements Mortgage $37.50.

16. Document preparation by lender Condo  approval $6.00. 

17. Courier/shipping $50.00.

* The above fees and charges are approximate and may not be applicable to all transactions.

VA and FHA TRANSACTIONS:

Closing Costs*

VA and FHA TRANSACTIONS:

Closing Costs*

Charges to Seller

1. Doc Stamps on Deed @ $7.00 per $1000.00.

2. Abstract: approx. $250.00 for continuation.

3. Miscellaneous Lender Charges.

4. Pay off Existing loan(s).

5. Real Estate Commission.

6. Discount Points.

7. Assignment of Mortgage $6.00.

8. Appliance Warranty $350.00.

9. Document preparation $250.00.

10. Recording Satisfaction of Mortgage $10.50.

11. Tax Search $10.00.

12. City Lien $25.00.

13. Courier/shipping $50.00.

14. Termite Report $50.00.

15. Code Inspection.

16. TRETS $65.00.

17. Closing fee $150.00.

Charges to Buyer

1. Owners Title Insurance.

2. Simultaneous Issue (Lenders Policy).

3. Origination Fee 1% of base loan amount.

4. Interest: day of closing to end of first month .

5. Escrows: Taxes and flood insurance.

6. Recording fees: Deeds $6.00 Doc Stamps on mortgage @ $3.50 Per $1000.00 Intangible tax on Note @ $2.00 per $1000.00.

7. Recertification $125.00.

 8 . Credit Report $50.00.

9. Appraisal fee $275.00.

10. First year Homeowner’s and hazard insurance.

11. Survey $300.00.

12. MIP charge (FHA). 

13. ALTA endorsements.

14. Title examination fee.

15. VA funding fee 1¼ of base Mortgage (FHA) $37.50 (VA) $37.50.

16. Closing Fee $200.00.

17. Contact your lender for additional charges.

* The above fees and charges are approximate and may not be applicable to all transactions.

Cash Transactions:

Closing Costs*

Charges to Seller

1. Doc Stamps on Deed @ $7.00 per $1000.00.

2. Abstract: approx. $250.00 for continuation.

3. Tax proration to date of closing.

4. Pay off Existing loan(s)..

5. Real Estate Commission..

6. Closing fee $150.00.

7. Recording Satisfaction of Mortgage $10.50 each.

8. Tax Search $10.00.

9. City Lien letter $25.00.

10. Overnight Courier $50.00.

Charges to Buyer

1. Owners Title Insurance

2. One year Homeowners Insurance and Flood Insurance .

3. Recording fees: Deed $6.00, Condo approval $6.00.

4. Prepaid maintenance or recreation fee (if applicable).

5. Recertification: $125.00.

6 . Inspection costs: Roof $50.00 Termite $50.00.

7. Closing Fee $200.00.

8. Proration of appliance policy.

9. Title Examination Fee $150.00.

Refinance:

Closing Costs*

Charges to Borrower

1. Closing Fee $175.00 .

2. Recording fees: Mortgage $33.00 Doc Stamps on mortgage @ $3.50 Per $1000.00 Intangible tax on Note

@ $2.00 per $1000.00.

3. Recording Satisfaction of Mortgage $10.50.

4. Lender’s title policy and Endorsements.

5. Abstract: approx. $250.00 for continuation.

6. Title examination fee $150.00.

7. Pay off Existing loan(s).

9. Overnight Courier $50.00.

10. Recertification: $95.00.

11. Document preparation by lender.

13. Contact your lender for additional charges.

* The above fees and charges are approximate and may not be applicable to all transactions.

 

 

 

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