Don't forget to factor in closing costs when considering a home sale or purchase. Sanborn Financial is experienced at helping both buyers and sellers when it comes to closings. E-mail or call me today at (760) 943-7200 if your needs include a professional REALTOR® ready for the business side of real estate.

Expected closing costs

There are certain normal costs related to closing the sale of a house. These expenses are often split between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in California to help guide you through the deal.

Loan-related closing costs    (Click here for details)

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

At closing, these taxes are usually paid    (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 hammer out your deal, I'll not only work to get the very best sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll explain in detail the closing costs so you know exactly where your money is going.

Buyers: When buying a property in Encinitas, you'll 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 previous experience and is required to be within a reasonable range so you're not astonished when you show up at closing time. I'll be willing to look through the GFE with you, answering your questions and highlighting any estimates that seem unusual.

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