Finding the right home at the right price is just one aspect 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 professional REALTOR® experienced in the business side of buying and selling.

What closing costs should you expect?

There are certain ordinary fees related to closing the sale of a house. These expenses are usually split between the buyer and seller, as spelled out 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 guide you through your deal.

Loan-related closing costs    (Click here for more information)

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

At closing, the following 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 hammer out your sale, I'll not only work to get the highest sales price, but I'll also push for lower closing costs. And once we've arrived at an agreement, I'll fully explain the closing costs so you are aware of exactly where your money is going.

Buyers: If you are purchasing a house in Guam County, 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 prior experience and is required to be within an acceptable range so you're not astonished when you arrive at the closing appointment. I'll be glad to look at the GFE with you, answering your questions and highlighting any estimates that are uncertain.

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