
	Don't forget to factor in closing costs when considering a home sale or purchase. Sanderson Realty and Sand Castle Realty is experienced at helping both buyers and sellers when it comes to closings. E-mail or call us today at 251-968-4137 if your needs include a real estate pro ready for the business side of buying and selling.

Closing costs you should expect

There are certain normal fees associated with closing the sale of a house. These costs are often divided between the buyer and seller, as spelled out in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Alabama to help lead you through the deal.

Loan-related closing costs (Learn more)

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

Taxes you may be responsible for at closing (Learn more)

Property Taxes
Transfer Taxes and Recording Fees

At closing, these fees are often due (Learn more)

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 campaign for limited 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 where your money is going.

Buyers: If you're purchasing a property in Baldwin County, you'll receive 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 an acceptable range so you're not astonished when you reach the closing table. I'll be willing to look through the GFE with you, answering your questions and highlighting any estimates in question.