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Expected closing costs

There are certain normal costs linked to closing the sale of a house. These costs are usually divided between the buyer and seller, as directed 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 guide you through the deal.

Loan-related closing costs    (Click here for details)

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

Taxes commonly paid at closing    (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 negotiate your transaction, I'll not only work to get the highest sales price, but I'll also advocate for limited closing costs. And once we've reached an agreement, I'll fully clarify the closing costs so you are aware of exactly what you're paying for.

Buyers: When buying real estate in Alamance County, you will receive 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 reasonable range so you're not astonished when you arrive at closing time. I'll be happy to look at the LE with you, answering your questions and highlighting any estimates in question.

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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 2.8% 2.85%
15-yr Fixed 2.33% 2.42%
1-yr Adj 2.87% 2.89%
* national averages

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