Just about to close on my first refinance and hoped someone could explain the charges to me a little better.I was originally quoted - Option 2 The house came in at $175K not $180K, I was told no other fees I've got the settlement statement through and it's about $4,000 more than I had expected.I understand every charge after Title ChargesIn regards to New loan charged based on the quote does it seem correct and if someone has time to explain each that would be helpful, if not I'm just wanting your thoughts.

I really like Nageotte, Nageotte, and Nageotte, PC in North Stafford for my settlements. 

I've literally copied and pasted your response to both the lender and attorney.This seems to have gotten the wheels churning as an alternative solution then followed:"We would set aside and hold in escrow the funds necessary for redeeming the ground rent after settlement.

@Michael Morin   Can't say for sure without looking at the settlement statement, but I'm guessing a good chunk of what you are paying are the prepaids (taxes & insurance) which are not fees at all but are funds that are escrowed at close. 

They didn't collect for it in the previous settlement. 

The brick is full-sized brick, all laid horizontally as a veneer cavity wall.There are other small settlement cracks in different areas outside the house as well.From googling, my best guess is that the house has settled due to shrink and swell issues in clay soil and it impacted the brick negatively due to there being no expansion joints.So now I am trying to figure out, do I go through with the purchase or not?

Hi everyoneI am planning to put in a full cash offer for a FSBO property and the owner has requested a preliminary settlement statement.I'm not exactly sure what this means, please could someone explain??

On the Tarrant County side look to White Settlement and the Stop 6 area of Fort Worth.

Also paying for this property each month while it’s vacant hasn’t been a walk in the park.It’s been almost a year and I still have not gotten a settlement from the insurance company, but the public adjuster is working on it. 

So I talked to him on the phone prior to settlement.