Finding the right home at the right price is just one part of a real estate transaction. Ocean West Properties is experienced at helping both buyers and sellers when it comes to closings. E-mail or call me today at (805) 540-8485 if your needs include a real estate pro ready for the business side of real estate.

Closing costs you should expect

There are certain basic fees associated with closing the sale of a house. These fees are often split between the buyer and seller, as instructed 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 your 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 paid    (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 get through the details of your sale, I'll not only work to get the optimal sales price, but I'll also advocate for lower closing costs. And once we've reached an agreement, I'll explain in detail the closing costs so you know exactly where your money is going.

Buyers: When buying a house in Pismo Beach, you will receive 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 an acceptable range so you're not shocked when you show up at the closing appointment. I'll be happy to review the GFE with you, answering your questions and highlighting any estimates that seem questionable.