Expected closing costs

There are certain standard fees linked to closing the sale of a house. These costs are often 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 guide you through the deal.

Closing costs that are loan-related    (Click here for more information)

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

Taxes you may be responsible for at closing    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (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 deal, I'll not only work to get the highest sales price, but I'll also advocate for limited 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 what you're paying for.

Buyers: If you're buying a home in Polk County, you will be given 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 appropriate range so you're not startled when you come to the closing appointment. I'll be glad to go over the LE with you, answering your questions and highlighting any estimates of concern.

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