Don't forget to factor in closing costs when considering a home sale or purchase. PHILIP ESTACIO is experienced at aiding both buyers and sellers when it comes to closings. E-mail or call us today at (858) 663-2878 if your needs include a real estate pro ready for the business side of buying and selling.

Expected closing costs

There are certain expected fees 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 conventional, but there are nuances to each, so you'll want a real estate expert in California to help lead you through your process.

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

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

Taxes commonly paid at closing    (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 hammer out your deal, not only will I work to get the very best sales price, but I'll also advocate for reduced closing costs. And once we've reached an agreement, I'll give a detailed list of the closing costs so you are informed of exactly where your money is going.

Buyers: When buying real estate in San Diego County, you'll get 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 previous experience and is required to be within a tolerable range so you're not shocked when you reach the closing table. I'll be happy to go through the GFE with you, answering your questions and highlighting any estimates in question.

PHILIP ESTACIO 9176 Mira Mesa Blvd. San Diego, CA 92126-4804
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