828-835-8500 Murphy and I'll aid you to be aware of all the expenses and identify any mistakes. 828-835-8500 There are certain basic costs accompanying closing the sale of a house. These costs are commonly divided between the buyer and seller, as noted 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 deal.

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

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

At closing, these taxes are usually collected    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (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 advocate for reduced closing costs. And once we've reached an agreement, I'll give a detailed list of the closing costs so you know exactly where your money is going.

Buyers: If you are purchasing a home in Cherokee 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 an appropriate range so you're not startled when you get to closing time. I'll be happy to go through the GFE with you, answering your questions and highlighting any estimates that are uncertain.

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