Don't forget to factor in closing costs when considering a home sale or purchase. RE/MAX - Roxanne Mercer is seasoned at assisting both buyers and sellers when it comes to closings. E-mail or call me today at (707) 869-9067 if your needs include a real estate pro experienced in the business side of real estate.

Expected closing costs

There are certain basic fees related to closing the sale of a house. These costs are often divided between the buyer and seller, as dictated 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 direct you through the process.

Loan-related closing costs    (Click here for details)

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

At closing, these taxes are usually collected    (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 transaction, I'll not only work to get the highest sales price, but I'll also campaign for lower closing costs. And once we've reached an agreement, I'll fully explain the closing costs so you are aware of exactly what you're paying for.

Buyers: When buying a home in Sonoma County, you'll be given 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 prior experience and is required to be within a reasonable range so you're not startled when you arrive at the closing appointment. 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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