What closing costs should you expect?

There are certain standard fees accompanying closing the sale of a house. These costs are often split between the buyer and seller, as dictated in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in California to help show you through your deal.

Closing costs that are loan-related    (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 deal, not only will I work to get the very best sales price, but I'll also advocate for reduced closing costs. And once we've reached an agreement, I'll give a detailed list of the closing costs so you are informed of exactly what you're paying for.

Buyers: If you're buying a house in Los Angeles County, you will 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 prior experience and is required to be within a suitable range so you're not astonished when you arrive at the closing appointment. I'll be glad to go through the LE with you, answering your questions and highlighting any estimates that seem questionable.

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