Closing costs you should expect

There are certain normal expenses associated with closing the sale of a house. These fees are usually split between the buyer and seller, as noted in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in California to help guide you through your transaction.

Costs pertaining to your mortgage to be paid at closing    (Click here for more information)

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

Taxes commonly paid at closing    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for more information)

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

Sellers: As we negotiate your transaction, not only will I work to get the very best sales price, but I'll also campaign for reduced closing costs. And once we've reached an agreement, I'll walk you through the closing costs so you know exactly what you're paying for.

Buyers: When purchasing real estate in Orange County, you'll get a "Loan Estimate" (LE) 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 tolerable range so you're not surprised when you reach the closing appointment. I'll be willing to look through the LE with you, answering your questions and highlighting any estimates that seem questionable.

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