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Closing costs you should expect

There are certain standard costs linked to closing the sale of a house. These costs are often divided between the buyer and seller, as spelled out in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in North Carolina to help lead you through the transaction.

Loan-related closing costs    (Details)

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

Taxes you may be responsible for 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 hammer out your transaction, I'll not only work to get the optimal sales price, but I'll also campaign for reduced closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you are informed of exactly what you're paying for.

Buyers: If you are buying a property 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 prior experience and is required to be within a suitable range so you're not startled when you reach the closing appointment. I'll be happy to go through the LE with you, answering your questions and highlighting any estimates that seem unusual.