Sellers: As we hammer out your deal, not only will I work to get the highest sales price, but I'll also advocate for lower closing costs. And once we've arrived at an agreement, I'll give a detailed list of the closing costs so you are aware of exactly where your money is going.

Buyers: If you're purchasing real estate in Madison County, you will be given a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within an acceptable range so you're not startled when you show up at the closing table. I'll be willing to look through the GFE with you, answering your questions and highlighting any estimates that seem questionable.