10/26/2026
Buying a home is exciting — but nothing spooks a buyer quite like unexpected costs showing up at closing. Here's how to avoid being haunted by surprises: 🎃
• Closing costs — typically 2–5% of the loan amount on top of your down payment 👻
• Property taxes — vary widely by location and can change after purchase 🏡
• HOA fees — if applicable, these can add hundreds to your monthly costs 🕷️
• Home inspection findings — older homes especially can reveal costly repairs 🔦
• Moving costs — easy to forget until the last minute 📦
• Maintenance reserves — experts recommend setting aside a portion of your home's value annually for upkeep 🍂
The good news? None of these have to be scary when you know what's coming. A great mortgage team walks you through the full picture before you ever get to the closing table. 🏠 Don't get spooked — get prepared. Contact our family mortgage company today! 🎃🔑