Don't forget to factor in closing costs when considering a home sale or purchase. Fitch Properties is experienced at assisting both buyers and sellers when it comes to closings. E-mail or call us today at 8005826104 if your needs include a real estate pro experienced in the business side of real estate.

What closing costs should you expect?

There are certain basic expenses accompanying 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 customary, but there are nuances to each, so you'll want a real estate expert in California to help guide you through your deal.

Closing costs that are tied to financing    (Click here for more information)

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

At closing, the following taxes are usually paid    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for more information)

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we get through the details of your transaction, I'll not only work to get the very best sales price, but I'll also advocate 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're purchasing a property in Sacramento County, you will 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 tolerable range so you're not astonished when you show up at closing time. I'll be happy to go through the GFE with you, answering your questions and highlighting any estimates that seem off.

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