Don't forget to factor in closing costs when considering a home sale or purchase. Wave Crest Financial Group, INC is seasoned at helping both buyers and sellers when it comes to closings. E-mail or call me today at (949) 487-3377 if your needs include a real estate pro ready for the business side of buying and selling.

What closing costs should you expect?

There are certain standard expenses related to closing the sale of a house. These costs are commonly divided between the buyer and seller, as noted 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    (Learn more)

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

At closing, the following taxes are usually collected    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

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

Sellers: As we hammer out your deal, I'll not only work to get the highest sales price, but I'll also push for limited closing costs. And once we've come to an agreement, I'll walk you through the closing costs so you know exactly what you're paying for.

Buyers: If you are purchasing a property in Dana Point, you'll be given 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 prior 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 through the GFE with you, answering your questions and highlighting any estimates in question.

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