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 expected expenses associated with closing the sale of a house. These costs are usually divided between the buyer and seller, as dictated in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Guam to help lead you through your deal.

Loan-related closing costs    (More information)

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

At closing, these taxes are usually collected    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (More information)

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

Sellers: As we negotiate your sale, not only will I work to get the very best sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll explain in detail the closing costs so you know exactly what you're paying for.

Buyers: If you're purchasing a house 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 come to closing time. I'll be happy to look through the GFE with you, answering your questions and highlighting any estimates that are uncertain.

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