Closing costs you should expect

There are certain standard expenses associated with closing the sale of a house. These costs are usually divided between the buyer and seller, as spelled out in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in North Carolina to help guide you through the deal.

Closing costs that are loan-related    (More information)

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

At closing, the following taxes are usually paid    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (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 sale, not only will I work to get the optimal sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll give a detailed list of the closing costs so you know exactly where your money is going.

Buyers: When purchasing real estate in Onslow 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 past experiences and is required to be within an appropriate range so you're not shocked when you arrive at closing time. I'll be happy to look through the LE with you, answering your questions and highlighting any estimates in question.