Expected closing costs

There are certain ordinary fees associated with closing the sale of a house. These fees are often split 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 California to help lead you through the process.

Closing costs that are loan-related (More information)

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

At closing, these taxes are usually paid (More information)

Property Taxes
Transfer Taxes and Recording Fees

At closing, these fees are often due (More information)

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

Sellers: As we get through the details of your sale, not only will I work to get the optimal sales price, but I'll also push for reduced closing costs. And once we've reached an agreement, I'll fully clarify the closing costs so you are aware of exactly what you're paying for.

Buyers: If you're purchasing a home in San Diego County, you will 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 prior experience and is required to be within a reasonable range so you're not startled when you show up at the closing appointment. I'll be glad to look through the LE with you, answering your questions and highlighting any estimates that seem off.

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