Closing costs you should expect

There are certain typical expenses accompanying closing the sale of a house. These expenses are commonly split between the buyer and seller, as instructed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in California to help lead you through your transaction.

Closing costs that are tied to your mortgage    (Learn more)

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

Taxes commonly paid at closing    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Learn more)

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

Sellers: As we hammer out your sale, not only will I work to get the highest sales price, but I'll also advocate for reduced closing costs. And once we've reached an agreement, I'll describe in detail the closing costs so you are informed of exactly what you're paying for.

Buyers: When purchasing a property in San Diego 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 prior experience and is required to be within a suitable range so you're not surprised when you get to closing time. I'll be happy to look over the LE with you, answering your questions and highlighting any estimates that seem off.

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