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Closing Costs (Stewart Realty #3)

by Liz Crowe (Goodreads Author)

3.96 of 5 stars 3.96 · rating details · 513 ratings · 55 reviews

Love conquers all? Not likely, according to Sara Thornton. She’s spent eight years coming to terms with the new parameters of her life while resigning herself to the idea that “happily ever afters” are best left to fairytales. Sales manager for her successful real estate office and juggling an added element of responsibility she never thought she’d face, Sara continues to...more

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Published March 30th 2012 by Tri Destiny Publishing

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Nov 11, 2012 Carin rated it 5 of 5 stars

In Closing Costs the years have flown by and both Jack and Sara have moved on with their careers but can seem to move on from or to each other. Sara's family continues to cause friction even when they are just trying to help. The friction caused by Sara's family rubs everyone not just Sara effecting everyone's relationships. Over the course of the years covered in these books Jack has done a lot of growing up and so has Sara but both of them remain stubborn through and through. With the hope of...more

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Apr 25, 2013 Cecilia rated it 3 of 5 stars

This final book of the Sara & Jack saga, drove me crazy. I really wanted to love the series, but I could not get past their troubled relationship which made me sort of hate "closing costs". Not sure if it really is in tune with today's relationships from all aspects especially as their story and their HEA takes them over 8 years to get.

Both Sara and Jack have their issues, her being immature, selfish and insecure. But then again as much as I hated Sara at times, I could also sympathise with...more

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Nov 27, 2012 Cocktails and Books rated it 3 of 5 stars

Shelves: 2012-reading-challenges, contemporary-romance, publisher-provided

2.5 Stars

In the final installment in the Stewart Realty Company series, readers will finally a conclusion to Jack Gordan and Sara Thornton's love story. It's not an easy ending and it takes eight years to get there...but we finally do get an ending to their story.

Can I say I could not stand Sara? That's not too harsh is it? She grated on my nerves. She was whiny and bitchy and strung poor Jack around for one year too many. She wanted him, she didn't want him, she strung him along, then pushed hi...more

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Aug 31, 2012 Bitten By Love Reviews rated it 4 of 5 stars

Closing Costs is the third book in the Steward Realty series by Liz Crowe.
Honestly, what can be said about this love saga? It has everything you are looking for; Angst, passion and lots of sexual tension.

Closing Cost continues the story of Sara and Jack and spans over several years. At times, this story is frustrating but so humanly normal you have to continue reading just to see if it all turns out alright in the end and whether Sara will actually achieve her “Happy Ever After” she is looking...more

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Jul 30, 2012 Melissa rated it 5 of 5 stars

Closing Costs is a roller-coaster ride of a story as Jack and Sara navigate their love and pride. Sara and Jack were once engaged and have been in love for years but something always gets in the way of their relationship. Usually it is miscommunication or their own issues, but this time its Katie that gets in the middle of their relationship.
Katie is Sara’s daughter. Sara doesn’t want to find out who the father is. It could be either Jack or Craig but she is determined to raise Katie on her own...more

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Oct 31, 2012 Adria (Romance Reviews) rated it 4 of 5 stars

Shelves: read-and-reviewed

Originally posted in Breath of Life Reviews

Though Closing Costs is considered a part of the Stewart Realty series, I am starting to see it more as another chapter in the Jack and Sara saga. Both characters have almost come full circle but there are still a few things in store for both of them. To me, they're a symbol of real people in the real world. No one is ever 100% happy in their life, let alone their relationships. Sometimes those who pretend to be the happiest are the most miserable in li...more Originally posted in Breath of Life Reviews

Though Closing Costs is considered a part of the Stewart Realty series, I am starting to see it more as another chapter in the Jack and Sara saga. Both characters have almost come full circle but there are still a few things in store for both of them. To me, they're a symbol of real people in the real world. No one is ever 100% happy in their life, let alone their relationships. Sometimes those who pretend to be the happiest are the most miserable in life. The point Closing Costs brings across is that we all have a choice in life. We can choose to make the best of what life throws our way or we can choose to let it drown us without a fight. We can choose to refuse to change, or we can choose to try and change for the better.

Just like its predecessors, Closing Costs is so well put together and so achingly real that I easily lost myself within its pages and the emotional war that continues to rage between characters. One of the things I love about Liz Crowe's stories is that she has the ability to make a reader become so completely involved with the characters she's created. It's not that I identified with them, I can literally SEE bits of myself reflected back at me through Jack, Sara, Craig, Blake, Rob and Suzanne. Some of those reflections are good, and some are less than stellar but that's what makes these characters so real to me, so undeniably human.

Each character has changed significantly since Floor Time, life has become complicated for all the characters, particularly Sara. She's become more stubborn and that has made her already difficult life worse. Wanting to do things on her own is admirable, but Sara only wants her independence when it's convenient to her, it doesn't matter what price those around her pay.Sara is the type of person who just loves to learn things the hard way, rather than take advice from people who know more and avoid negative situations in the first place, she confuses stubbornness for independence and ends up with egg on her face.

Towards the end of Closing Costs I started to question Sara's character. She's far from perfect yes, but her inability to do what's best for the people she claims to care about, yet continues to knowingly use started to change my original opinion of her. She started to look like a master manipulator who only cared about her wants, her needs and the hell with anyone else. She was selfish, immature and needy to the point where she at times acted more like a jealous child towards Katie instead of her mother. It seems that Jack matured and moved forward, while Sara became immature and moved backwards. She continually sabotaged any happy moments in her life, either with Jack or Katie.

Jack, while still a jerk when he gets angry or feels he has to defend himself, has matured a lot since Floor Time. He is starting to think his actions through and how they might affect those around him. It's not to say he's become a perfect man, hell no, he's still a pain in the ass sometimes but at least he's being honest with himself and others about what he wants. He somehow developed this extreme amount of patience which is not easy around a person like Sara and her family, that wasn't present before.

The ever present real life drama and emotional roller coaster is what drives a book like Closing Costs. It gives readers a reality check in some ways by showing the difficult times in between those "happy moments" we're so fond of in other books, making the conclusion that much sweeter in my opinion. There's nothing more satisfying than watching two characters like Jack and Sara fight, fall in love, struggle with life's hard times, almost lose everything and then begin to work things out. It makes that "Happy For Now" moment something to cherish and hope for in one's own life.
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Jun 15, 2012 Wendy Mckillip rated it 4 of 5 stars

Liz Crowe does another outstanding job keeping us on the emotional roller coaster. I was frustrated all the way to the end and of course it was a great frustration! As the story opens I was wondering what I had missed, but Liz brings you up to speed very quickly on what is happening with Sara and the birth of her daughter. As things progress and regress with Jack and Sara you can't help but cheer them on that they will make the right decisions and when they continue down the same path they alway...more

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Jun 27, 2012 Jasey rated it 5 of 5 stars

Shelves: contemporary, erotica

This review has been hidden because it contains spoilers. To view it, click here.

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Nov 26, 2012 Roseanne C. rated it 5 of 5 stars

Final installment of the Stewart Realty series...ups and downs. Emotional roller coaster. I know alot of people were irritated by Sara in this book, and yes, I was at times, but mostly I understood her. Having had a similar relationship (like, intense love, child, then confusion) I could "get"her side of this.

Left me tired, and emotionally drained. Cried towards the end. Signs of a good read. Liz Crowe, can't wait for more

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Apr 04, 2012 Lucy Felthouse rated it 3 of 5 stars

In this epic conclusion to Liz Crowe's The Realtors series, things for Sara Thornton and Jack Gordon are both completely different and exactly the same. Their circumstances are wildly different, something they've both spent a great deal of time coming to terms with. Their feelings, however, remain the same, however much they try to deny it.

Despite their difficulty in getting used to the new things in their lives, they've actually been beneficial in terms of forcing the pair of them together and...more

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Jul 16, 2012 Anas Attic Book Blog rated it 3 of 5 stars

Shelves: after-fifty-shades, smut-romance

Read more of my reviews and ramblings at Ana's Attic Sexy Tales and Toys

***A few days later, I re-read this review. I sound angry and snarky, not usually my style. But that bodes well for a book. Obviously I was emotionally involved enough to be angry. So if you like the type of book where there is lots of back and forth and love/hate; way more apart than together, this may be the book for you. I know many who love that. This series was highly recommended, and this review is my opinion.

Closing...more

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Jun 15, 2012 Angela rated it 4 of 5 stars

PDF Via Kindle (free for honest review)

This book continues Sara and Jacks journey in their lives. This book goes a bit off the track of nothing but passionate sex and the yo-yoing of Sara and Jacks relationship. Sara just had a baby and this book follows Sara, Jack, Craig, and all the other great characters from the other books as they watch Katie grow. Sara makes a bold call when she says that she doesn’t know if Craig or Jack is really the father of Katie, but doesn’t want to find out either....more PDF Via Kindle (free for honest review)

This book continues Sara and Jacks journey in their lives. This book goes a bit off the track of nothing but passionate sex and the yo-yoing of Sara and Jacks relationship. Sara just had a baby and this book follows Sara, Jack, Craig, and all the other great characters from the other books as they watch Katie grow. Sara makes a bold call when she says that she doesn’t know if Craig or Jack is really the father of Katie, but doesn’t want to find out either. She insists to do the mommy duty on her own. She has great family and friends that are helping her raise her daughter, but she still misses and loves Jack. The confusion only continues as they interact more when Jack decides he needs to be a part of Katie’s life no matter what. Craig helps Sara too, until he goes off to medical school. When he is done with school he gets a job at the local hospital so he can be near them all again. Sara battles her emotions for Craig and Jack a lot in this book and how to be a good Mom. She finally makes a huge, life changing decision, when Katie has to be rushed to the hospital with a ruptured appendix. Can she face Craig and Jack after they find out who the true father of Katie is? Is she willing to try to make it work with one or the other?

I did enjoy this book, but I still would have to say that the best one, in my opinion, was the first book. The back and forth of the relationships and feelings/emotions in this book is almost dizzying, but it works in the context of the book. I don’t know how it works, but it does. The addition of Katie to the mix adds a “real life” aspect to the book. One that the reader can relate to, to some extent. Sara struggles with her decisions and what is right by her daughter throughout the book and isn’t this that what all parents think? A lot happens in this book, but if I were to reveal too much it would ruin the book. So I will keep it short and sweet this time. However, I will say that you should read this book, the plot, situations, emotions, and characters are great. It was a great read by a great and talented author!

4/5 Stars!(less)

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Dec 08, 2012 Kindlehooked (Tanya Childress) rated it 4 of 5 stars · review of another edition

Shelves: contemporary-romance, erotica, review-request-from-author, recommended

3.75 STARS Oh where to begin? Can you say drammmma? yep! because there is lots of it in this book and Jack and Sara are the most stubborn characters I have ever come across. I will say that I liked Jack a whole lot better than Sara in this book.

In Closing Costs we learn that Sara is pregnant and unsure of who the real father is, whether it is Jack, the one she truly deeply loves even though she is the most difficult and stubborn woman he has ever crossed, and will not admit to herself nor anyone

...more

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Nov 29, 2012 Kate rated it 2 of 5 stars

Painful!

The book takes place over what, a decade? It's a decade of mind games, pathetic misunderstandings and immaturity.

I liked books 1 & 2, but this one? Holy hell. It's just too much. How much pain and suffering can two people bring to each other? Over how long a period of time? All the while there is a child that has to deal with two parents that are screwed in the head.

Speaking of which, it seemed so much of the time that to Sara, the child was a pain to be dealt with...until she almo...more

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May 13, 2012 Cynthia rated it 5 of 5 stars

Closing Costs is the third book in Liz Crowe's Realtor's series. I thoroughly enjoyed the first two books, finishing each almost overnight from the need to see what happens next. The intrigue, excitement, the sexual tension and the frustration were enough to have you hurriedly turning the pages, dying for the rest of the story. However, I have to say that Closing Costs was my absolute favourite of the three!

I like the way that the author has divided the three books. The first book in the series,...more Closing Costs is the third book in Liz Crowe's Realtor's series. I thoroughly enjoyed the first two books, finishing each almost overnight from the need to see what happens next. The intrigue, excitement, the sexual tension and the frustration were enough to have you hurriedly turning the pages, dying for the rest of the story. However, I have to say that Closing Costs was my absolute favourite of the three!

I like the way that the author has divided the three books. The first book in the series, Floor Time, is all about our protagonists, Jack and Sara, meeting, demonstrating an intense sexual connection, then trying to resist it and each other but ultimately falling in love. The second book evolves into a story filled with even more conflict, controversy and dissention than the first, as Jack and Sara fight to find and establish a deeper connection between themselves but seem unable to. Closing Costs becomes the perfect ending to all this.

Despite the fact that there is still a great amount of aggravation and a profusion of unsolved issues going on in this book, as well as plenty of sexual excitement, you start to slowly feel that things are gradually moving in the direction that they should be. Jack and Sara continue to struggle to overcome their problems but this is made more interesting with the integration of Katie, Sara's daughter, into the mix. The little girl brings out traits in our main characters' personalities that are both humorous and endearing. She also plays a major role in eventually helping them find a common ground and is a defintive factor in the outcome of their relationship.

I love the way Jack's character has evolved in this book. The way he has matured makes him irresistible. Although he is still stubborn in many apsects, I feel that Sara's obstinacy is unrivalled. Of course, it is this hardheadedness from the pair of them that leads to some amazingly hot scenes! Overall, the chemistry between the two is the stuff we dream of!

The story was once again well-written, just like the first two books, and kept your interest till the end. It was engrossing and riveting to the point that it made it difficult to put the book down. The thing I like the most about this book, and ultimately the series, is the realistic element that is incorporated into the story by the author. It has a healthy dose of real life in it, without actually being pessimistic. In fact, it is filled with hope and dreams waiting to be realised.

Closing Costs made me laugh, it made me cry, pant, sigh and it even made me growl a couple of times! I loved it!! For anyone who has still not read this series, I suggest you pick it up at the soonest possible moment. Thank you yet again, Liz Crowe, for a wonderful read!(less)

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Oct 29, 2012 Jennie Comfort rated it 1 of 5 stars

I couldn't even finish...it was more of Sara whiney indecision. I started it...and read a few chapters and seeing her tag the guys along, and play with everyones emotions (Craig, Jack, Suzanne, Blake, etc...)...but refusing to be honest with her own feelings because she "might get hurt". Her "come here" - "stay away" game got old in the first two books...and was down right annoying by this one. And seeing her have temper tantrums one right after another with her parents, the guys, her brother......more

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Oct 10, 2012 Nic rated it 5 of 5 stars

Closing Costs has to be one of my favourite novels in the Stewart Realty series. The on again / off again Jack and Sara saga is pushed to the absolute limit! I found that I became much closer to the characters of Jack and Sara, understanding so much more of what their relationship is and why there is always constant drama. Liz Crowe has done a brilliant job with these characters! Like the rest of this Stewart Realty series, all of the characters from the first two novels are back and we get a li...more

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Apr 07, 2013 Kim rated it 5 of 5 stars

I'm reviewing the final part of the original three books about Jack and Sara. This series (so far, more to read) was quite entertaining and filed with so many emotions I felt like I was spinning. I loved the humor and character interactions. There were intense moments that were good and bad. I felt torn in the third book and felt a few heart palpitations that I wasn't sure I would recover from. In the end my heart was overflowing and I adored Jack and Sara...what a wonderful story...I still love...more

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Jul 12, 2012 ❃ Brandy ❃ rated it 4 of 5 stars · review of another edition

Shelves: erotica, emotional-roller-coaster, contemporary-romance, 2012

I know, I know... I griped about this book through my entire progression postings & I haven't changed my mind about being frustrated; however, the book was still great. I give books 5 stars that I can't put down... I couldn't put this one down either, but I gave it 4 stars because I think Jack & Sara's relationship should or could have been resolved in the last book. This going back & forth for 3 entire books was a little much & repetitive. However, it still had you coming back f...more

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Aug 05, 2012 Jeanne rated it 5 of 5 stars

CLOSING COSTS was all I expected and more. Liz Crowe writes characters who are frustratingly human. I found myself wishing I could smack Jack and Sarah upside the head numerous times. Seriously? Can two people make their lives any more difficult? Knowing these two, I'm sure they can. And haven't we all known people just like them? The reader is lucky enough to get an understanding of Jack and see emotions and motivations that Sara seldom has access to. If he would just let Sara see what we see,...more

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Apr 24, 2012 Alyssa (Hesperia Loves Books) rated it 5 of 5 stars

Shelves: 2012-favorites, arc-recvd, needs-review, read-in-2012

See more reviews posted at Hesperia Loves Books

Perfection. That is the word that best describes Closing Costs, the third installment of Liz Crowe’s Realtors Series. Believe me when I say, when it comes to books and/or series, perfection is not a term that I use very often. There is always some thought, direction, developement or aspect that hangs me up, but there is NOT one thing about this book that I didn’t like or think fit the overall series ARC perfectly. Now I know that everyone’s idea abo...more See more reviews posted at Hesperia Loves Books

Perfection. That is the word that best describes Closing Costs, the third installment of Liz Crowe’s Realtors Series. Believe me when I say, when it comes to books and/or series, perfection is not a term that I use very often. There is always some thought, direction, developement or aspect that hangs me up, but there is NOT one thing about this book that I didn’t like or think fit the overall series ARC perfectly. Now I know that everyone’s idea about perfection is different & some may disagree - but for me, if the Louboutin’s fit, you bet your ass I’m wearing them!

After the exhilarating roller-coaster ride that was Sweat Equity, I’ll be the first to admit, I began to have my doubts that Jack & Sara would get their HEA. Ready for another truth? I was ok with that! I have fallen so in love with these characters that I only want their happiness, and while it would pain me greatly, if that was only achieved through being apart, then so be it. However, I knew that if they could find a way to be together after all they’ve put each other through - then it would be perfection.

In Closing Costs, Jack continues to be the supreme male top dog who can be an total prick when he wants, but we also got to see the softer & more mature side to him. That combined with his complete love & affection for Katie, has helped firmly cement him among my top book hero’s EVER! Sara continued to run and have trust issues, but who could blame her. Especially after the tumultuous ride she’s been on with Jack. One of my favorite aspects of the book was the role reversal between Jack & Sara. They each became what they disliked in the other. Jack wanted Sara to grow up and realize what they had & was SO quick to judge her and her actions. How ironic that he hated it when she did that to him. Sara on the other hand couldn’t decide what she wanted from Jack, even to go so far as wanting nothing but a sexual relationship with him. I cheered when he flat out refused!

I won’t go into anymore detail about the plot or summarize anymore - this book is best read without any hints going in. If you’ve read Floor Time & Sweat Equity - it’s not a question of whether you’ll read Closing Costs, it’s when. If you are undecided about whether to read this series - don’t question it, just do it and bask in the yumminess that is the Realtors. In my opinion, the mark of a truly great series involves the telling of a fabulous story that grabs and takes me on a journey of twists, turns, up, downs & most importantly growth of the characters and storyline. I WANT that connection - to fall in love with the characters, follow their story as it unfolds and still be able to feel the strong emotions they evoke long after I’m done reading. The Realtors epitomizes & reaffirms why I love series reading & continues to prove why Liz Crowe should be a must add to everyone’s TBR that is a fan of the Contemporary/Erotic Romance genre and why it.(less)

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Mar 09, 2013 Vicky rated it 2 of 5 stars

Shelves: amazon-loanable, favorites, series

Closing Costs

Finally - the conclusion of Jack and Sarah. I REALLY wanted to like the final installment, but it was painful! After 10 years there is still silly misunderstandings and games. Come on...really?!? Way too much sexual tension and angst for me. I wanted to smack the s--t out of Sarah.

The only reason I finished the book was to find out if Jack found his HEA.

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Jun 25, 2012 Christine rated it 4 of 5 stars

I enjoyed this conclusion to Sarah and Jack’s story. Yes there was a lot of back and forth throughout their relationship but for me this was the closure that I needed – their happily ever after. No relationship is perfect or easy – I think that Liz did a great job being realistic and true to the characters and her readers. I loved how Liz built upon the supporting characters. I hope that she writes more so we can find out what happens with them in their lives. Job well done!

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Aug 13, 2012 Serena rated it 2 of 5 stars

Shelves: characters-i-wanna-slap, contemporary-romance, kindle-ebooks

Sara, Sara,Sara! With her stubborn mannerism & selfishness did not deserve neither her daughter or Jack. Totally unhealthy triangle here, not to mention NASTY since she didn't know who her baby daddy was. This series totally decline each consecutive book for me :-/. 2 stars for keeping me interested enough to learn the ending of the Craig/Sara/Jack ordeal.

Oh, there's a bit of m/m play in this series (the last book to this series is mostly that)...fair warning..I got burned again dammit!

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Nov 06, 2012 Melissa rated it 3 of 5 stars

The beginning of this series was really good. I loved the first book, and the second was pretty good, but by this third installment of the Jack saga, I was pretty much over it. It was difficult to read through til the end because I was tired of this duo not getting their s*it together and realize they were fighting what was inevitable. All in all, I recommend the first and second book which tells the story of Jack. I haven't read the last three of the series but the reviews seem like they are ju...more

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May 09, 2012 Rhonda rated it 5 of 5 stars

OK. I finished this series in one day. Not because they are short (about 3500 locations on kindle each), I just couldn't stop. I had to find out how it would end. I can finally breathe. I was so frustrated with the characters. The author drew me in so much that my poor kids had to eat sandwiches for supper. Liz definitely spins a tale and keeps you in there spinning until the end. I loved it!

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Dec 13, 2012 Denise rated it 5 of 5 stars

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The Realtor Series by Liz Crowe is wonderful; Floor Time, Sweat Equity and Closing Costs tell the story on Sara and Jack. It is an engaging, can't put we down story!! I highly recommend them. I had not read in years before I picked up Fifty Shades of Grey, I then tried a few books nothing special... this series, The Realtors Series captivated me!! I think...more

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Apr 11, 2012 Alison rated it 2 of 5 stars

Shelves: read-in-2012, lendable

This series was just ok for me. It did suck me in wanting to see what happened next with Jack and Sara, but it too almost 3 ENTIRE books to get together. IMO Sara was WAY too stubborn, in the first book I understood her reluctance to trust Jack, but in book 3 Jack had grown up alot.

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Mar 14, 2013 Cathy rated it 2 of 5 stars

Liz is a great writer. There are things I enjoy about this series. I hate to give a bad review but in all honesty, this book was exhausting. Way too much of Jack and Sara avoiding each other, mostly Sara. It seems Sara will be with any guy that is there for the moment. Just read the last couple chapters and move on.

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Feb 07, 2013 Drue DePompei-Hoffman rated it 5 of 5 stars

Visit RomFan Reviews: Review: Closing Costs (Stewart Realty Book 3) Author: Liz Crowe: I’m still in “wow” mode at this book. for full review.

I’m still in “wow” mode at this book.

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Quotes from Closing Costs

“Look, I'm good okay. I'm her..." he stopped dead. The woman at the desk looked up expectantly, "uncle." His voice faded.

"Katie certainly has a lot of those, " the annoying person chirped before handing his ID back and pointing to a side door. SHe gave him a different sort of look. This one he recognized. He smiled at her. She was sort of good looking, actually. "You gay like her other uncles?" Jack laughed.

"Nope.” — 5 people liked it

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Closing Costs (Stewart Realty #3)

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