Closing Costs

There are certain standard costs related to closing the sale of a home. Buyers and sellers usually split these costs, as specified in the sales contract.

As indicated below, many of the buyer's closing costs cover the costs of getting the mortgage loan. Since Custom Lending Group has extensive experience with mortgages and closings, we are closing cost experts.

Good Faith Estimate (GFE)

Soon after you apply for a loan, we'll give you the "Good Faith Estimate" of your closing costs. The closing costs spelled out in the GFE are estimated based on our experience with mortgage loans, but costs usually vary a little bit between delivery of the Good Faith Estimate (GFE) and closing. We field questions about these costs every day at Custom Lending Group, so don't hesitate to ask if you have questions.

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

Standard Closing Costs

Loan-Related Costs
  • Appraisal Fee
  • Pulling Your Credit Report
  • Up-front Interest Payment
  • Escrow Account
  • Various Taxes
  • Costs related to "originating" your loan
  • Points — A fee paid to lower your interest rate (optional)
Property Taxes
  • Insurance
  • Transfer Taxes & Recording Fees
Homeowners Insurance
  • Flood or Quake Insurance
  • Private Mortgage Insurance (PMI)
  • Title Insurance

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

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