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

What closing costs should you expect?

There are certain expected costs linked to closing the sale of a house. These costs are usually divided between the buyer and seller, as directed 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 the process.

Costs pertaining to your mortgage to be paid at closing    (Click here for more information)

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

At closing, these taxes are usually collected    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for more information)

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

Sellers: As we get through the details of your transaction, I'll not only work to get the highest sales price, but I'll also push for limited closing costs. And once we've reached an agreement, I'll fully explain the closing costs so you know exactly what you're paying for.

Buyers: When purchasing real estate 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 a reasonable range so you're not surprised when you get to the closing appointment. I'll be willing to look at the GFE with you, answering your questions and highlighting any estimates that seem off.

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