Closing costs you should expect

There are certain basic fees linked to closing the sale of a house. These fees are commonly 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 show you through your deal.

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

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

At closing, the following taxes are usually collected    (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 negotiate your transaction, I'll not only work to get the optimal sales price, but I'll also campaign for reduced closing costs. And once we've arrived at an agreement, I'll fully explain the closing costs so you know exactly what you're paying for.

Buyers: If you are purchasing a property in Brunswick County, you'll 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 a reasonable range so you're not startled when you reach closing time. I'll be willing to look at the LE with you, answering your questions and highlighting any estimates that seem unusual.

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