Closing costs you should expect

There are certain normal fees associated with closing the sale of a house. These fees are often divided between the buyer and seller, as dictated in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in North Carolina to help guide you through the process.

Closing costs that are tied to your mortgage    (Click here for details)

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

Taxes commonly paid at closing    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for details)

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

Sellers: As we negotiate your sale, I'll not only work to get the highest sales price, but I'll also campaign for reduced closing costs. And once we've arrived at an agreement, I'll explain in detail the closing costs so you know exactly what you're paying for.

Buyers: If you are purchasing a house in Mecklenburg County, you will 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 an acceptable range so you're not shocked when you arrive at the closing appointment. I'll be willing to look through the LE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

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