Closing costs you should expect

There are certain standard expenses associated with closing the sale of a house. These expenses are commonly divided between the buyer and seller, as instructed in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in North Carolina to help lead you through your transaction.

Closing costs that are tied to financing    (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

At closing, these fees are often due    (Click here for details)

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

Sellers: As we hammer out your sale, I'll not only work to get the highest sales price, but I'll also push for limited closing costs. And once we've arrived at an agreement, I'll explain in detail the closing costs so you know exactly what you're paying for.

Buyers: If you're purchasing real estate in Johnston 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 past experiences and is required to be within a tolerable range so you're not astonished when you come to closing time. I'll be willing to go through the LE with you, answering your questions and highlighting any estimates that seem questionable.

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O'Brien & Associates Realty, Inc

6511 Creedmoor Road, Suite 101
Raleigh, NC 27613