Carla Harden, Realtor
Your Residential Real Estate Specialist
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What closing costs should you expect?

There are certain normal expenses linked to closing the sale of a house. These costs are commonly divided between the buyer and seller, as directed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in California to help show you through your process.

Loan-related closing costs   

  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account

At closing, these taxes are usually paid   

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we negotiate your sale, not only will I work to get the very best sales price, but I'll also campaign for lower closing costs. And once we've reached an agreement, I will give a detailed list of the closing costs so you are aware of exactly what you're paying for.

Buyers: If you are purchasing a home, your lender is required to give you a list of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's past experiences and is required to be within a reasonable range so you're not astonished when you arrive at closing time. I'll be willing to look over the GFE with you, answering your questions and highlighting any estimates that seem questionable.