Closing costs you should expect

There are certain basic expenses accompanying closing the sale of a house. These costs are often split between the buyer and seller, as instructed in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in North Carolina to help show you through your process.

Costs pertaining to your mortgage to be paid at closing    (Click here for details)

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

Taxes commonly paid 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 get through the details of your transaction, I'll not only work to get the optimal sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll fully explain the closing costs so you are informed of exactly where your money is going.

Buyers: If you are buying a property in Cherokee 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 past experiences and is required to be within a suitable range so you're not astonished when you get to the closing appointment. I'll be happy to look through the LE with you, answering your questions and highlighting any estimates that seem unusual.

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