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Expected closing costs

There are certain basic fees accompanying closing the sale of a house. These fees are often divided between the buyer and seller, as spelled out in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in North Carolina to help lead you through your transaction.

Loan-related closing costs    (Details)

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

Taxes commonly paid at closing    (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 get through the details of your sale, I'll not only work to get the very best sales price, but I'll also push for lower closing costs. And once we've come to an agreement, I'll explain in detail the closing costs so you know exactly what you're paying for.

Buyers: If you are purchasing a house in Alamance 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 previous experience and is required to be within a tolerable range so you're not surprised when you arrive at closing time. I'll be glad to look at the LE with you, answering your questions and highlighting any estimates that seem questionable.

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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 3.75% 3.79%
15-yr Fixed 3.22% 3.29%
1-yr Adj 3.46% 3.49%
* national averages

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