These are cost associated with your loan and can be 3% of the loan cost. So if you are borrowing $100,000 and don’t have the extra $3000 to cover the closing cost, you can ask the seller to pay for this. This may up the price of the home by that amount but you will not have to have that cash at the closing instead it will be wrapped up in your mortgage.
A home warranty is an insurance policy on the mechanical and electrical aspects of the home. Several companies provide home warranties. They cost around $450 for a basic plan. Many home owners will provide one if you ask for it.
Let me act as your agent.
I will negotiate all this and more during your buying process.
Call Mary Plunkett 417-824-1042.