In North Carolina, there are certain standard costs associated with closing the sale of a house. These fees are split between the buyer and the seller, as spelled out in the sales contract. As your agent negotiates the sales contract for you, they will not only work to get the sales price you want, they will also work to limit the number of closing costs for which you will be responsible.  This is also something I will work with the agent on. This is one of the reasons that it's important to have me pre-qualify you prior to writing an offer to purchase! Please note that in North Carolina, we close by attorney.  The attorney represents both sides of the transaction - no matter who pays for their fee.

I will walk you through the closing costs, answering any questions you may have explaining which costs are decreed by law to be yours and which are negotiable.

Good Faith Estimate

Buyers will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. If you are asking for Good Faith Estimates from other lenders, let me know.  The estimate is based on the loan officer's past experience and those from our competitors may not include all the closing costs. I will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates I believe to be low.