What closing costs should you expect?

There are certain normal fees associated with closing the sale of a house. These fees are commonly divided between the buyer and seller, as directed 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 lead you through the deal.

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

At closing, the following taxes are usually paid    (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 hammer out your transaction, I'll not only work to get the highest sales price, but I'll also campaign for reduced closing costs. And once we've come to an agreement, I'll give a detailed list of the closing costs so you are aware of exactly where your money is going.

Buyers: If you're purchasing real estate in Fresno County, you'll receive a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within a reasonable range so you're not startled when you get to the closing table. I'll be glad to go over the LE with you, answering your questions and highlighting any estimates of concern.

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700 E. Shaw Ave.
Fresno, CA 93710-7732