Closing costs you should expect

There are certain normal fees accompanying closing the sale of a house. These expenses are commonly divided between the buyer and seller, as instructed 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

Insurance fees due at closing    (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 push for lower closing costs. And once we've reached an agreement, I'll fully explain the closing costs so you are aware of exactly where your money is going.

Buyers: If you are purchasing a property in Wake County, you will receive 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 shocked when you reach closing time. I'll be willing to go over the LE with you, answering your questions and highlighting any estimates of concern.

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