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Settlement Charges (Closing Costs & Pre-paid Items)

Settlement Charges are comprised of both Closing Costs and Pre-paid Items. Closing costs are comprised of Lender, Attorney and Recording Fees. These fees are a direct result of the specific loan program chosen by the borrower. Closing costs do vary from loan to loan. 

Closing Cost Guarantee

At the time of application, or even during the pre-qualification process, we provide you with a customized written estimate known as a Good Faith Estimate. However, unlike most other mortgage companies, we guarantee the closing costs that we quote. At closing, if the closing costs for some reason total a figure higher then what you were quoted, Heritage Home Funding will pay the difference on your behalf.

Lenders are required to issue the Good Faith Estimate to borrowers once they have applied for a loan. We supply this to you as soon as we consult with you. Fees and costs can vary greatly based on what type of property you are financing, but we take the time to provide this estimate based on your individual loan scenario, rather than supplying an automated estimate that may lead to inaccuracies.

One of the sure ways to determine the difference between mortgage companies is to have an in-depth conversation with your contact person about specific fees. If your contact cannot properly explain each fee or guarantee the cost there is reason to be concerned.
Contact us today for more information.

Mortgages with No Closing Costs

We offer “No Closing Cost” loans and almost every loan features the ability to be structured with no closing costs. This option may be right for you, but it is important to review all available options before deciding whether or not to choose this feature.
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Pre-paid Items & Escrows

Pre-paid Items include per-diem interest on the loan, Real Estate Tax escrows, and Home Owner’s Insurance escrows. The day and month of your closing will determine how much of each item will need to be paid at closing. All of this information is provided on the Good Faith Estimate. 

It is important to understand that these items are not costs. They will also be the same regardless of which lender you choose to work with.

Please email or call Heritage Home Funding today to be provided with a custom Good Faith Estimate for your specific home loan program.
Contact us today for more information.


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28 South Bolton Street, Marlborough, MA 01752 • Phone: 508-480-8822 • Fax: 508-480-8832 • MA License #MB3108 • NMLS Company ID #3108