About Closing Costs

"Closing Costs" are the fees which cover the various services involved in the sale of a house. Sellers & buyers almost always negotiate these closing costs.

As indicated below, many of the buyer's costs cover the costs of getting the loan. At Custom Lending Group, we are highly experienced in residential mortgage lending, so we can compile a comprehensive report on mortgage-related closing costs in your "Loan Estimate".

Loan Estimates (LEs)

Soon after you submit your application, we'll give you a "Loan Estimate" of your closing costs. The closing costs specified in the Loan Estimate are estimated based on Custom Lending Group's experience with mortgage loans, but costs usually change by small amounts between the Loan Estimate (LE) and closing. We answer questions about closing costs every day at Custom Lending Group, so please feel free to ask if we can help answer your questions.

Below you'll find a fairly general list of closing costs. We will provide a specific list of your closing costs when we provide your Loan Estimate.

Standard Closing Costs

Loan-Related Costs
  • Interest Payment
  • Escrow Fees
  • Various Taxes
  • Costs related to "originating" your loan
  • Points — These are costs you pay up-front to lower your interest rate (optional)
  • Appraisal Fee
  • Pulling YourCredit Report
Property Taxes
  • Insurance
  • Recording Fees and Transfer Taxes
Homeowners Insurance
  • Title Insurance
  • Flood / Quake Insurance
  • Private Mortgage Insurance (PMI)

Custom Lending Group can answer questions about these closing costs. Give us a call at (707) 252-2700.

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