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What closing costs should you expect?

There are certain basic expenses associated with closing the sale of a house. These expenses are commonly 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 North Carolina to help guide you through your transaction.

Costs pertaining to your mortgage to be paid at closing    (Details)

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

Taxes commonly paid at closing    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Details)

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

Sellers: As we negotiate your sale, I'll not only work to get the highest sales price, but I'll also campaign for limited closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you are aware of exactly where your money is going.

Buyers: When buying a house in Watauga 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 past experiences and is required to be within an acceptable range so you're not shocked when you reach closing time. I'll be glad to go through the LE with you, answering your questions and highlighting any estimates that seem questionable.