(828) 899-0797 Tryon and I'll aid you to understand all the fees and call attention to any errors. (828) 899-0797 There are certain normal fees associated with closing the sale of a house. These costs are often divided between the buyer and seller, as dictated 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 lead you through your transaction.

Loan-related closing costs    (Click here for details)

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

At closing, the following taxes are usually paid    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for details)

  • 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 advocate for lower closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you are informed of exactly where your money is going.

Buyers: If you are purchasing real estate in Polk County, you will get 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 prior experience and is required to be within an acceptable range so you're not surprised when you arrive at the closing table. I'll be happy to review the GFE with you, answering your questions and highlighting any estimates that seem unusual.

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