You will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based upon the expenses that are generally found in each specific area so they may vary and may not include all the closing costs. I will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates I believe to be low.
Closings are held at attorney offices in our market with the buyer, the buyer agent, the seller's agent, and sometimes the lender being present. Sellers generally do not attend unless they are the builder of new construction. Once docs have been signed, money has been received by the closing attorney, and the lender (if one is getting a mortgage) has approved everything, the closing attorney records the deed and deed of trust at the court house. This is the final step which allows the property to become yours!