Closing costs you should expect

There are certain expected expenses associated with closing the sale of a house. These expenses 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 North Carolina to help show you through your deal.

Loan-related closing costs    (Learn more)

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

At closing, the following taxes are usually collected    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

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

Sellers: As we get through the details of your sale, not only will I work to get the optimal sales price, but I'll also campaign for lower closing costs. And once we've reached an agreement, I'll give a detailed list of the closing costs so you know exactly where your money is going.

Buyers: If you are purchasing a home in Mecklenburg County, you will receive a "Good Faith Estimate" (GFE) 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 suitable range so you're not stunned when you arrive at the closing table. I'll be willing to look over the GFE with you, answering your questions and highlighting any estimates that seem questionable.

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