Closing costs you should expect

 The Alden Team can walk you through closing - 949-466-2933
There are certain typical costs related to closing the sale of a home. These costs are often split 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 California to help direct you through your transaction.

Loan-related closing costs    (Click here for more information)

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

Taxes you may be responsible for at closing    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

Sellers: As we negotiate your deal, not only will we work to get the very best sales price, but we'll also campaign for reduced closing costs. And once we've reached an agreement, we'll describe in detail the closing costs so you know exactly where your money is going.

Buyers: If you are purchasing real estate in Mission Viejo, you will get a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's prior experience and are required to be within a reasonable range so you're not stunned when you show up at the closing table. We'll be glad to go over the estimate with you, answering your questions and highlighting any estimates that seem off.

Don't forget to factor in closing costs when considering a home sale or purchase. The Alden Team is seasoned at assisting both buyers and sellers when it comes to closings. E-mail or call me today at 949-466-2933 if your needs include a professional REALTOR® ready for the business side of buying and selling.

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