Don't forget to factor in closing costs when considering a home sale or purchase. Latte Stone Properties, LLC is seasoned at aiding both buyers and sellers when it comes to closings. E-mail or call me today at (671) 647-5577 if your needs include a real estate pro experienced in the business side of real estate.

What closing costs should you expect?

There are certain standard costs linked to closing the sale of a house. These fees are often split between the buyer and seller, as noted in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Guam to help lead you through your transaction.

Closing costs that are tied to financing    (Click here for more information)

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

At closing, the following taxes are usually paid    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

Sellers: As we negotiate your transaction, I'll not only work to get the very best sales price, but I'll also push for lower closing costs. And once we've arrived at an agreement, I'll fully clarify the closing costs so you are aware of exactly where your money is going.

Buyers: If you're purchasing a home in Tamuning, 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 previous experience and is required to be within an acceptable range so you're not surprised when you come to the closing table. I'll be happy to go through the GFE with you, answering your questions and highlighting any estimates in question.

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