What closing costs should you expect?

There are certain ordinary expenses associated with closing the sale of a house. These costs are often split between the buyer and seller, as noted 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 guide you through your process.

Loan-related closing costs (Click here for more information)

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

At closing, the following taxes are usually paid (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 sale, not only will I work to get the very best sales price, but I'll also advocate for lower closing costs. And once we've reached an agreement, I'll describe in detail the closing costs so you know exactly what you're paying for.

Buyers: When buying a property in San Diego County, you'll get a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within a suitable range so you're not shocked when you show up at closing time. I'll be glad to look at the LE with you, answering your questions and highlighting any estimates in question.

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