Finding the right home at the right price is just one part of a real estate transaction. 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 ready for the business side of buying and selling.

What closing costs should you expect?

There are certain typical fees related to closing the sale of a house. These expenses are often split between the buyer and seller, as dictated 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 direct you through your process.

Closing costs that are loan-related    (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 negotiate your transaction, I'll not only work to get the optimal sales price, but I'll also advocate for reduced closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you are informed of exactly where your money is going.

Buyers: If you're buying a home in Tamuning, you will 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 past experiences and is required to be within a reasonable range so you're not surprised when you come to closing time. I'll be willing to go through the GFE with you, answering your questions and highlighting any estimates in question.

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