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(209) 754-3030 Mountain Ranch and I'll aid you to be aware of all the fees and identify any mistakes. (209) 754-3030 There are certain expected costs related to closing the sale of a house. These costs are usually 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 California to help show you through the process.

Loan-related closing costs    (Click here for details)

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

Taxes you may be responsible for at closing    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for details)

  • 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 highest sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll describe in detail the closing costs so you are aware of exactly what you're paying for.

Buyers: If you're purchasing a property in Calaveras County, you will receive 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 past experiences and is required to be within a tolerable range so you're not surprised when you reach closing time. I'll be happy to review the GFE with you, answering your questions and highlighting any estimates that seem questionable.