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Closing costs you should expect

There are certain normal costs linked to closing the sale of a house. These fees are usually divided between the buyer and seller, as spelled out 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 process.

Costs pertaining to your mortgage to be paid at closing    (Click here for details)

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

At closing, the following taxes are usually collected    (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 transaction, not only will I work to get the highest sales price, but I'll also advocate for limited closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you are informed of exactly where your money is going.

Buyers: If you are purchasing a house in Alamance County, you'll 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 previous experience and is required to be within an acceptable range so you're not stunned when you come to closing time. I'll be glad to review the LE with you, answering your questions and highlighting any estimates that seem off.

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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 4.2% 4.24%
15-yr Fixed 3.64% 3.71%
1-yr Adj 3.77% 3.8%
* national averages

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