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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Home Buyers - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>Lenders - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
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      <image:title>What Are My Closing Costs? - What Are My Closing Costs?</image:title>
      <image:caption>Closing costs also vary based on the location and price of your home or property as well as other factors such as lender fees, commissions, insurance, to name a few.  If you want to make a quick, ballpark estimate, the rule of thumb is 3% to 6% of a property’s total value. So, what goes into closing costs? Title Insurance Varies based on the cost of your home with fees set and regulated by the PA Department of Insurance. It’s a one-time payment but it lasts as long as you or your heirs own your property. Mortgage Lender Fees. Entirely variable based on your lender. Per-Diem Interest. The interest of your loan from the closing date to the last date of the month of purchase. Prorated Property Taxes. Pro-rated based on the number of days you will own the property within the taxing period. Deed Transfer Tax. Buyers and sellers traditionally, but not always, split this. It’s dependent on your sales contract. The tax itself is 1% of the home’s sales price but some municipalities charge more. Appraisal Fee Courier Fee Closing Protection Letter Commissions Broker / Transaction Coordination Fee Prepaid Homeowners Insurance PMI or Private Mortgage Insurance. Insurance coordinated by your lender, usually required when you have a conventional loan and make a down payment of less than 20 percent. HOA Fees. If you are buying a townhome or condominium, there may be monthly Homeowner’s Association fees collected to pay for amenities, maintenance, and insurance of the complex.</image:caption>
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    <lastmod>2024-03-14</lastmod>
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      <image:title>Title Insurance Costs - What Are My Title Insurance Costs?</image:title>
      <image:caption>The title is your right to own or use your property. The title also establishes any limitations on those rights.  Title insurance is a way to protect yourself from economic loss and legal expenses in the event there is a defect in title to your property which is covered by the policy.   With title insurance, title examiners review the history of your property and seek to eliminate title issues before the purchase occurs. Title insurance is just a one-time premium paid at closing. Your owner's title insurance policy lasts for as long as you or your heirs own your property. Your title insurance cost will vary based on the cost and location of your home or property with fees set and regulated by the PA Department of Insurance.  We can provide an estimate for your title insurance cost with a little information from you, below. As part of your due diligence on what may be your largest lifetime purchase, you should select the best Title Insurance available, tell your Realtor, “I want PV Settlement” or contact us directly by having us provide an estimate.</image:caption>
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    <loc>https://pvstitleinsurance.com/calculate-your-monthly-payments</loc>
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    <lastmod>2024-03-14</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/624c80802f1e6a7dc65b4416/641f3219-7bf0-456a-a358-1a9e7b265392/happy-young-couple-holding-new-house-key-indoors-2021-09-06-23-12-16-utc.jpg</image:loc>
      <image:title>Calculate Your Monthly Payments - Calculate Your Monthly Payments</image:title>
      <image:caption>Online mortgage calendars abound for you to calculate your future monthly payments, including principal, interest and estimates for home insurance, property taxes, PMI, HOA fees and more.  Two we would recommend: Zillow’s Mortgage Calculator Mortgagecalculator.org</image:caption>
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