Paid by BOTH or EITHER party

• Attorney Fees, Courier/Delivery Fees, Document Preparation

• Escrow fee, often spilt between Buyer & Seller

• HOA Dues & Transfer Fees

• Notary Fees to witness documentation

• Recording Fees to file legal documents with County Recorder

• Property Taxes

• Owner’s Title Insurance Premium

• Lender’s Title Insurance Premium

Buyer’s Typical Costs

• Appraisal, one time fee for new loan

• Credit Report, for loan application

• Homeowners Insurance

• Loan Fees, origination & processing fees (lender)

• PMI, some lenders require Private Mortgage Insurance

• Prepaid Interest, prorated depending on time of the month the loan closes

Seller’s Typical Costs

• Real Estate Commission

• Disclosure Reports

• Home Warranty, Existing Encumbrances

• Property Inspections, Pest Inspections

• Transfer Tax, city/county conveyance tax

VA Loan Typical Costs

• Lender’s Appraisals

• Lender’s Inspections

• Loan Closing or Settlement Fees

• Document Preparation Fees

• Preparing Loan Papers or Conveyance Fees

• Interest Rate Lock In Fees

• Owner’s Title Insurance Premium

We will then work together to find you the perfect home! This is the fun part, we will look at homes until we find the one for you. There is no average number of homes before finding the one, when you know, you know!

Once you find a home that perfect home, I will provide you with facts and information you need to make the purchase decision. In addition to the standard terms of the sales contract, there are a variety of contingencies which may be included. Some might be presented as optional clauses in the contract, while separate riders are available for the others.