Closing costs you should expect

There are certain typical fees accompanying closing the sale of a house. These expenses are usually split between the buyer and seller, as noted in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in California to help lead you through the process.

Closing costs that are tied to your mortgage (Details)

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

At closing, these taxes are usually collected (Details)

Property Taxes
Transfer Taxes and Recording Fees

Insurance fees due at closing (Details)

Homeowners Insurance
Flood or Quake Insurance (optional)
Private Mortgage Insurance (PMI) (optional)
Title Insurance

Sellers: As we hammer out your deal, I'll not only work to get the highest sales price, but I'll also advocate for reduced closing costs. And once we've reached an agreement, I'll walk you through the closing costs so you are informed of exactly what you're paying for.

Buyers: When purchasing a property in Stanislaus County, you'll be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within a reasonable range so you're not stunned when you get to closing time. I'll be willing to go over the LE with you, answering your questions and highlighting any estimates that seem unusual.

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