What closing costs should you expect?

There are certain typical fees associated with closing the sale of a house. These costs are usually split between the buyer and seller, as directed 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 transaction.

Costs pertaining to your loan to be paid at closing (Learn more)

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

At closing, these taxes are usually paid (Learn more)

Property Taxes
Transfer Taxes and Recording Fees

Insurance fees due at closing (Learn more)

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

Sellers: As we hammer out your deal, not only will I work to get the very best sales price, but I'll also advocate for limited closing costs. And once we've reached an agreement, I'll explain in detail the closing costs so you are aware of exactly what you're paying for.

Buyers: If you are buying a property in Guam County, you'll be given a "Loan Estimate" (LE) 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 an acceptable range so you're not stunned when you reach the closing table. I'll be willing to review the LE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

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