What closing costs should you expect?

There are certain normal costs associated with closing the sale of a house. These fees are often split between the buyer and seller, as directed 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 the transaction.

Loan-related closing costs    (Details)

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

At closing, the following taxes are usually paid    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (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 very best 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 aware of exactly what you're paying for.

Buyers: When buying real estate in Rowan County, you will 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 an acceptable range so you're not surprised when you come to the closing appointment. I'll be happy to review the LE with you, answering your questions and highlighting any estimates that are uncertain.