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(209) 754-3030 Mountain Ranch and I'll help you comprehend all the costs and identify any errors. (209) 754-3030 There are certain expected fees accompanying closing the sale of a house. These costs are commonly divided 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 guide you through your deal.

Loan-related closing costs    (Click here for more information)

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

Taxes you may be responsible for at closing    (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 negotiate your deal, not only will I work to get the optimal sales price, but I'll also push for reduced closing costs. And once we've come to an agreement, I'll fully clarify the closing costs so you know exactly what you're paying for.

Buyers: When buying a house in Calaveras County, you'll be given a "Good Faith Estimate" (GFE) 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 a tolerable range so you're not shocked when you come to the closing appointment. I'll be willing to review the GFE with you, answering your questions and highlighting any estimates that seem unusual.