Don't Forget Closing Costs

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"Closing Costs" are the fees which pay for the various services involved in the sale of residential real estate. Buyers and Sellers usually negotiate the payment of these costs. Make sure you have a Realtor working for you to lower your costs.

As you'll see below, many of the Buyer's closing costs are associated with the origination of the mortgage. At Asset Alliance Mortgage, we have extensive experience in residential mortgage lending, so we can provide you with a comprehensive list of closing costs related to your mortgage in your "Good Faith Estimate". We can also provide several cost options tailored to your specific transaction.

Good Faith Estimates (GFEs)

Buyers will receive a "Good Faith Estimate" outlining closing costs around the time the loan application is submitted to the lender. The cost estimate comes out of the loan officer's past experience. We handle questions about closing costs every day at Asset Alliance Mortgage, so don't hesitate to contact us if you have questions.

We've provided a general list of these costs below, but we will provide you a specific list of closing costs, with amounts, very soon after you have completed your loan application. At Asset Alliance Mortgage, we don't believe in surprises, so our Good Faith Estimates are extremely detailed and accurate.

Standard Closing Costs

Loan-Related Costs
  • Escrow Account
  • Various Taxes
  • Loan Origination Fee
  • Points — These are costs you pay up-front to lower your interest rate (optional)
  • Appraisal Costs
  • Obtaining Your Credit Report
  • Interest Payment
Property Taxes
  • Recording Fees & Transfer Taxes
  • Insurance
Homeowners Insurance
  • Private Mortgage Insurance (PMI)
  • Title Insurance
  • Flood or Quake Insurance (case by case)
At Asset Alliance Mortgage, we answer questions about closing costs every day. Call us at (760) 632-7701.

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