What closing costs should you expect?

There are certain basic expenses linked to closing the sale of a house. These costs are often divided between the buyer and seller, as directed 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 loan to be paid at closing (Click here for more information)

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

At closing, these 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 transaction, 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 explain in detail the closing costs so you are aware of exactly where your money is going.

Buyers: If you are buying a home in Alexander County, you will receive 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 acceptable range so you're not astonished when you arrive at the closing appointment. I'll be glad to review the LE with you, answering your questions and highlighting any estimates in question.

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