Close with Confidence !
Fluent in English, Spanish, and Portuguese
Marcie has a great advantage bringing deals together by her ability to assist international clients with clarity when explaining either side of a transaction. By using her eloquent verbal and written communication skills, Marcie frequently assists other local agents making sure their closings get done with precision.
This business requires understanding
Client objectives to have effective closings in real estate, which are smooth and perfect; attention to numerous details is paramount. An important part of Marcie’s experience comes from working several years with legal firms which represented developers, banks and corporate giants handling all aspects of REO, REO/foreclosure closings, condo development conversions and acquisitions. Her expertise in high-end luxury closings is unmatched.
Some common florida closing costs?
While you can avoid attorney fees (Florida doesn’t require an attorney to be present at closing), you’ll still need to pay a settlement fee to the title company or escrow company for their services on closing day.
Property taxes in Florida are paid in arrears. You’ll owe property taxes for the portion of the year you owned the house (be it 30 days or 300 days). They’ll be prorated based on the number of days you owned the home, so the amount you owe will be much higher for a November closing than one in early January (300 days vs. 30 days). Note: If your current mortgage payment includes an estimated amount for property taxes that they collect and put in “escrow”, then each month you should be able to get your escrow balance back after closing.
These costs relate to any associated loan fees including application fees, prepaid interest, and loan origination fees. While a loan is optional, these will be present if a mortgage is secured to purchase the home. Credit report– $25 to $75: This fee covers the cost for the lender to pull the buyer’s credit history and credit score. Appraisal – $300 to $500: An appraisal determines the value of a home to assure the lender the property is indeed worth the amount they are giving the buyer. The appraisal is often paid by credit card up front and therefore not due at the time of closing.
Just as the seller typically pays the for the document stamps on the deed, the buyer typically pays document stamps on the mortgage, as well as the intangible tax for the mortgage. These amounts are based on the amount of the mortgage, not the purchase price of the property. The doc stamps are $0.35 per $100 or portion thereof, while the intangible tax is 0.2% of the amount secured.
While you can avoid attorney fees (Florida doesn’t require an attorney to be present at closing), you’ll still need to pay a settlement fee to the title company or escrow company for their services on closing day.
Currently, living and working in Brickell
Miami, Marcie is focused on serving her community and providing the best real estate services in the market. She is excited and proud to open her own title company representing her clients directly.