Sellers: As we get through the details of your deal, I'll not only work to get the highest sales price, but I'll also advocate for reduced closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you are aware of exactly what you're paying for. Buyers: If you're purchasing a house in Santa Barbara, 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 previous experience and are required to be within an acceptable range so you're not stunned when you get to closing time. I'll be glad to go through the estimate with you, answering your questions and highlighting any estimates that seem off.
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