Don't Forget Closing Costs

All residential real estate sales incurs certain costs. Buyers and sellers customarily split these closing costs, as specified in the real estate sales contract.

Many of the costs associated with buying residential real estate are associated with getting the loan. At Custom Lending Group, we are highly experienced in residential mortgage lending, so we can provide you with a comprehensive list of mortgage-related costs in your "Good Faith Estimate".

Good Faith Estimate (GFE)

Buyers will receive a "Good Faith Estimate" of closing costs around the time the loan application is submitted to the lender. We base this closing cost estimate on our many years of past experience. It's important to note that while our GFEs are very accurate, we can't always predict closing costs to the penny. We explain Good Faith Estimates with buyers every day, so we will be happy to answer any questions you have about closing costs.

We've provided a general list of these costs below, but we will give you a specific list of closing costs, with amounts, soon after you complete your loan application. At Custom Lending Group, we don't believe in surprises, so if your costs change, we will be sure to let you know immediately.

Standard Closing Costs

Loan-Related Costs
  • Credit Report
  • Up-front Interest Payment
  • Escrow Fees
  • Taxes
  • Costs associated with "originating" your loan
  • Points — lower your mortgage interest rate (optional)
  • Appraisal Fee
Property Taxes
  • Insurance
  • Recording Fees and Transfer Taxes
Homeowners Insurance
  • Flood / Earthquake Insurance
  • Private Mortgage Insurance (PMI)
  • Title Insurance

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

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