(518) 426-7703 Albany and I'll help you be aware of all the fees and identify any inaccuracies. (518) 426-7703 There are certain expected costs related to closing the sale of a house. These costs are commonly divided between the buyer and seller, as noted in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in New York to help show you through your transaction.

Loan-related closing costs    (Click here for more information)

  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account

Taxes you may be responsible for at closing    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for more information)

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we negotiate your sale, I'll not only work to get the optimal sales price, but I'll also advocate for limited closing costs. And once we've reached an agreement, I'll explain in detail the closing costs so you are aware of exactly what you're paying for.

Buyers: When purchasing a property in Albany County, you will get a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's past experiences and is required to be within a suitable range so you're not stunned when you reach the closing appointment. I'll be willing to go over the GFE with you, answering your questions and highlighting any estimates that are uncertain.