About Closing Costs

"Closing Costs" are the fees that pay for the various services involved when you sell or buy a home. Sellers and buyers negotiate to decide how to split these costs.

Many of the closing costs associated with buying a home are associated with getting the loan. Since Carter Financial Solutions is highly experienced with mortgages & closings, we are closing cost experts.

Loan Estimates (LEs)

Soon after you submit your application, we'll give you the "Loan Estimate" of your costs. The closing costs spelled out in the Loan Estimate are estimated based on our experience with mortgage loans, but costs often change by small amounts between delivery of the Loan Estimate (LE) and closing. We handle buyers' questions about closing costs every day at Carter Financial Solutions, so please be sure to contact us if you have questions.

We've provided a general list of closing costs below, but we will give you a specific list of closing costs, with amounts, soon after you complete your loan application. At Carter Financial Solutions, we don't believe in surprises, so if your costs change, we will be sure to let you know immediately.

Standard Closing Costs

Loan-Related Costs
  • Taxes
  • Loan Origination Fee
  • Points — These are costs you pay up-front to lower your mortgage interest rate (optional)
  • Appraisal Costs
  • Credit Report
  • Interest Payment
  • Escrow Account
Property Taxes
  • Recording Fees & Transfer Taxes
  • Insurance
Homeowners Insurance
  • Flood or Quake Insurance
  • Private Mortgage Insurance (PMI)
  • Title Insurance

Carter Financial Solutions can answer questions about these closing costs. Call us: 866-840-8745 x2.

Looking to Buy?

Are you looking to buy a house? Let us help you. Just fill out as much of the information below that you want and we'll get right back to you, with no obligation to you. We guarantee your privacy.

Your Information
Some Details

English Spanish

Carter Financial Solutions

1810 Pacific Ave
Stockton, CA 95204