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

Expected closing costs

There are certain ordinary costs linked to closing the sale of a house. These fees are commonly divided between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert on Guam to help show you through your transaction.

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

At closing, these fees are often due (Details)

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

Sellers: As we negotiate your deal, I'll not only work to get the optimal sales price, but I'll also push for limited closing costs. And once we've reached an agreement, I'll describe in detail the closing costs so you are aware of exactly what you're paying for.

Buyers: If you are buying a home on Guam, 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 prior experience and is required to be within a reasonable range so you're not shocked when you show up at closing time. We'll be glad to look through the GFE with you, answering your questions and highlighting any estimates that seem unusual.

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