
	Don't forget to factor in closing costs when considering a home sale or purchase. REALTY EXECUTIVES Southern Oregon is experienced at aiding both buyers and sellers when it comes to closings. E-mail or call us today at 541.494.3932 if your needs include a professional REALTOR^® experienced in the business side of buying and selling.

Expected closing costs

There are certain expected expenses linked to closing the sale of a house. These costs 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 Oregon to help show you through the transaction.

Loan-related closing costs (Click here for details)

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

At closing, the following taxes are usually collected (Click here for details)

Property Taxes
Transfer Taxes and Recording Fees

Insurance fees due at closing (Click here for details)

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

Sellers: As we negotiate your sale, not only will I work to get the highest sales price, but I'll also advocate for limited closing costs. And once we've reached an agreement, I'll fully clarify the closing costs so you are aware of exactly where your money is going.

Buyers: If you're buying a home in Josephine 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 surprised when you get to closing time. I'll be happy to review the GFE with you, answering your questions and highlighting any estimates that are uncertain.