A real estate transaction is somewhat complex and has many moving pieces. Closing costs are unavoidable and are usually around 3% to 5% of the loan amount. Closing costs can include title insurance, attorney fees, appraisals, taxes and more. Once you submit your mortgage application, your lender is required by law to give you a Loan Estimate within a few days so you are prepared when we all meet at the closing table. We can always provide a quote for an estimate of what you can expect your closing costs to be!

You have options when it comes to choosing a title company and don't have to use the seller's title company! You want to do your research and make sure that whatever title company you use is reputable, knowledgeable and communicates well.

If you are in the market for buying a house, you have probably heard the word "escrow," which can be used a few different contexts. Escrow is a legal arrangement in which a third party temporarily holds money or property until a particular condition has been met, like the execution of a purchase agreement. It’s used in real estate transactions to protect both the buyer and the seller throughout the home buying process. There are two types of escrow accounts. One is used during the home buying process and the other is used throughout the life of your home loan.

Often times, our home sellers and home buyers ask us what they need to do once they leave the closing table. The simple answer is...nothing! Once you sign the deed to the property, we will file it with the local courthouse and the deal is done!

You officially own a house or piece of property once money is exchanged. So when you give or receive a check during closing, you are officially the owner!