What closing costs should you expect?

There are certain ordinary fees accompanying closing the sale of a house. These fees are usually divided between the buyer and seller, as dictated 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 your process.

Closing costs that are tied to financing (Details)

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

At closing, these taxes are usually collected (Details)

Property Taxes
Transfer Taxes and Recording Fees

At closing, these fees are often due (Details)

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

Sellers: As we get through the details of your transaction, I'll not only work to get the optimal sales price, but I'll also push for limited closing costs. And once we've arrived at an agreement, I'll fully clarify the closing costs so you are informed of exactly where your money is going.

Buyers: If you are purchasing real estate 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 previous experience and is required to be within an appropriate range so you're not astonished when you arrive at the closing appointment. I'll be glad to look over the LE with you, answering your questions and highlighting any estimates that seem off.

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