Don't forget to factor in closing costs when considering a home sale or purchase. Exit Hometown Realty is seasoned at helping both buyers and sellers when it comes to closings. E-mail or call us today at (828)734-0428 if your needs include a professional REALTOR® experienced in the business side of buying and selling.

What closing costs should you expect?

There are certain typical fees accompanying closing the sale of a house. These fees are usually divided between the buyer and seller, as directed 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 transaction.

Closing costs that are loan-related    (Details)

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

At closing, the following taxes are usually collected    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Details)

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

Sellers: As we negotiate your deal, not only will I work to get the optimal sales price, but I'll also push for limited closing costs. And once we've reached an agreement, I'll give a detailed list of the closing costs so you know exactly what you're paying for.

Buyers: If you're purchasing a home in Haywood 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 startled when you reach the closing appointment. I'll be happy to go over the GFE with you, answering your questions and highlighting any estimates that are uncertain.

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