Closing costs you should expect

There are certain expected fees accompanying closing the sale of a house. These expenses are often 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 North Carolina to help show you through your process.

Closing costs that are loan-related (Learn more)

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

At closing, the following taxes are usually paid (Learn more)

Property Taxes
Transfer Taxes and Recording Fees

Insurance fees due at closing (Learn more)

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

Sellers: As we get through the details of your transaction, not only will I work to get the very best sales price, but I'll also push for lower closing costs. And once we've come to an agreement, I'll give a detailed list of the closing costs so you know exactly what you're paying for.

Buyers: If you're purchasing a home in Mecklenburg County, you'll get a "Loan Estimate" (LE) 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 an acceptable range so you're not astonished when you arrive at the closing table. I'll be willing to look at the LE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

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