Closing Costs

Every home sale incurs fixed costs. Sellers and buyers almost always share these closing costs, as the sales contract specifies.

As indicated below, many of the costs result from getting your mortgage. Since Carter Financial Solutions is highly experienced with closings & mortgages, we often explain the details of closing costs.

Loan Estimates (LEs)

Soon after you apply for a loan, we'll provide you with a "Loan Estimate" of your costs. We base this cost estimate on our many years of past experience. Please note that while our LEs are very accurate, we can't always predict costs to the penny. We will be glad to review the "Loan Estimate," answering questions and pointing out costs that can vary a little bit at the closing table.

Below is a general list of closing costs. We will always provide a specific list of your closing costs when we provide your Loan Estimate.

Standard Closing Costs

Loan-Related Costs
  • Escrow Fees
  • Various Taxes
  • Costs related to "originating" your loan
  • Points — A fee paid to lower your interest rate (optional)
  • Appraisal Costs
  • Getting Your Credit Report
  • Interest Payment
Property Taxes
  • Transfer Taxes & Recording Fees
  • Insurance
Homeowners Insurance
  • Flood / Earthquake Insurance
  • Private Mortgage Insurance (PMI)
  • Title Insurance

At Carter Financial Solutions, we answer questions about closing costs every day. Call us at 866-840-8745 x2.

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Carter Financial Solutions

1810 Pacific Ave
Stockton, CA 95204