Closing costs you should expect

There are certain expected expenses associated with closing the sale of a house. These expenses are commonly divided between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in New Mexico to help lead you through the process.

Loan-related closing costs    (More information)

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

At closing, these taxes are usually paid    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (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 deal, I'll not only work to get the very best sales price, but I'll also campaign for reduced closing costs. And once we've come to an agreement, I'll fully clarify the closing costs so you are aware of exactly where your money is going.

Buyers: When buying a house in Quay County, you'll 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 past experiences and is required to be within a reasonable range so you're not surprised when you reach the closing table. I'll be willing to look over the LE with you, answering your questions and highlighting any estimates that seem questionable.

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