Anticipated closing costs

There are certain basic expenses related to closing the sale of a house. These costs are usually divided 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 the deal.

Costs pertaining to your loan to be paid at closing (Click here for details)

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

Taxes commonly paid at closing (Click here for details)

Property Taxes
Transfer Taxes and Recording Fees

Insurance fees due at closing (Click here for details)

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

Sellers: As we get through the details of your deal, not only will I work to get the very best sales price, but I'll also campaign for reduced closing costs. And once we've arrived at an agreement, I'll describe in detail the closing costs so you are aware of exactly where your money is going.

Buyers: If you are buying a property in San Diego County, you'll 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 previous experience and is required to be within a tolerable range so you're not stunned when you show up at the closing table. I'll be glad to look at the LE with you, answering your questions and highlighting any estimates that seem questionable.

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