Finding the right home at the right price is just one part of a home sale or purchase. CalState Realty Services/Cobalt Financial is seasoned at aiding both buyers and sellers when it comes to closings. E-mail or call us today at 858-565-6388 if your needs include a professional REALTOR® experienced in the business side of real estate.

What closing costs should you expect?

There are certain expected expenses related to closing the sale of a house. These expenses are usually divided 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 process.

Closing costs that are tied to your mortgage    (Details)

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

Taxes you may be responsible for at closing    (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 get through the details of your sale, not only will I work to get the optimal sales price, but I'll also advocate for limited closing costs. And once we've reached an agreement, I'll describe in detail the closing costs so you are aware of exactly where your money is going.

Buyers: When buying a house in San Diego County, 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 suitable range so you're not astonished when you reach the closing table. I'll be glad to go through the GFE with you, answering your questions and highlighting any estimates in question.

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