
	Don't forget to factor in closing costs when considering a home sale or purchase. Lori Bitterman & Associates is experienced at aiding both buyers and sellers when it comes to closings. E-mail or call us today at 714.392.3443 if your needs include a professional REALTOR^® ready for the business side of buying and selling.

Closing costs you should expect

There are certain standard fees associated with closing the sale of a house. These expenses are commonly 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 California to help lead you through the transaction.

Costs pertaining to your loan to be paid at closing (Click here for more information)

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

At closing, these taxes are usually collected (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 sale, not only will I work to get the very best sales price, but I'll also push for limited closing costs. And once we've arrived at an agreement, I'll fully explain the closing costs so you are aware of exactly what you're paying for.

Buyers: When purchasing a property in Orange County, you will 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 past experiences and is required to be within a reasonable range so you're not startled when you come to the closing appointment. I'll be glad to go through the GFE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.