Who Pays Closing Costs When You Buy a House?
Craig Snell
November 6, 2026
Most closing costs land on you as the homebuyer, but a seller can cover part of them, or even all of them, if a large
Michael is a driven, results-oriented professional who brings the same values he lives by — hard work, accountability, and a commitment to excellence — to every client relationship. With a deep passion for helping people improve their financial footing and build long-term wealth, he is dedicated to guiding borrowers through the lending process with clarity, structure, and purpose.
Known for leading by example and developing strong teams, Michael understands that real results come from discipline and keeping the bigger picture in focus. He is naturally competitive, but grounded — someone who makes smart decisions and takes pride in creating meaningful outcomes for the people he serves.
Outside of work, Michael is a devoted husband and father of four. Family is at the center of everything he does, and much of what drives him professionally comes from a desire to build stability and opportunity for those around him. He has a genuine interest in personal development, travel, and long-term wealth building, and stays balanced through a commitment to physical fitness and time on the water fishing.
Whether you’re a first-time homebuyer or an experienced borrower, Michael brings the focus, integrity, and dedication to help you reach your goals — and make the most of every opportunity along the way.
(608) 572-0985
mstormoen@milestonemortgagesolutions.com
Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%.
Government-backed loans perfect for first-time buyers with flexible credit requirements.
Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!
Zero down payment loans for eligible rural and suburban homebuyers. Great for first-time buyers!
Lower your rate, reduce your payment, or tap into your home's equity with our refinance options.
Financing for luxury properties and high-value homes that exceed conventional loan limits.
We’re not just another mortgage company. We’re your neighbors, committed to making homeownership accessible and stress-free for our community.
We match you with the right loan for your goals. Not a one-size-fits-all solution.
No hidden fees or surprises. Every cost is clear from day one.
Streamlined underwriting and clear communication keep your loan on track.
Our loan officers know your market, your rates, and your neighborhood.
Expert insights, tips, and news about mortgages and homeownership from Milestone Mortgage Solutions.
Most closing costs land on you as the homebuyer, but a seller can cover part of them, or even all of them, if a large
Most closing costs land on you as the homebuyer, but a seller can cover part of them, or
Most buyers don’t put 20% down, and the real minimum depends on your loan program. Here’s what FHA,
If you’re stuck deciding between a broker, a bank, or just calling the first lender that comes up,
The honest answer is “it depends,” but not vaguely. Your loan type, your state, and how quickly documents
Worried about your first meeting with a mortgage loan officer? Here’s exactly what to bring, what they’ll ask, what you should ask them, and what you’ll walk away with — whether you’re ready to buy this month or just exploring.
