Finding the right home at the right price is just one part of a real estate transaction. I'm experienced at helping both buyers and sellers when it comes to closings. E-mail or call me today at (707) 967-4655 if your needs include a real estate pro ready for the business side of buying and selling.

Anticipated closing costs

There are certain normal costs accompanying closing the sale of a house. These fees are often split between the buyer and seller, as spelled out in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in California to help guide you through your transaction.

Closing costs that are tied to your mortgage    (Click here for details)

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

Taxes you may be responsible for at closing    (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 deal, not only will I work to get the very best sales price, but I'll also push for reduced closing costs. And once we've come to an agreement, I'll give a detailed list of the closing costs so you are aware of exactly what you're paying for.

Buyers: If you're buying a home in Napa 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 past experiences and is required to be within a tolerable range so you're not stunned when you show up at closing time. I'll be glad to review the GFE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

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Deborah Russell Broman - Coldwell Banker Brokers of the Valley - Lic. # 01114917
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