Don't forget to factor in closing costs when considering a home sale or purchase. Client First Real Estate is seasoned at helping both buyers and sellers when it comes to closings. E-mail or call us today at (410) 721-6100 if your needs include a professional REALTOR® ready for the business side of real estate.

Closing costs you should expect

There are certain basic costs related to closing the sale of a house. These costs are commonly split between the buyer and seller, as spelled out in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Maryland to help lead you through the process.

Closing costs that are tied to financing    (Click here for more information)

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

At closing, the following taxes are usually paid    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

Sellers: As we hammer out your transaction, not only will I work to get the optimal sales price, but I'll also advocate for lower closing costs. And once we've reached an agreement, I'll fully clarify the closing costs so you are aware of exactly where your money is going.

Buyers: If you're purchasing a property in Anne Arundel County, you'll be given 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 previous experience and is required to be within an appropriate range so you're not stunned when you arrive at the closing table. I'll be happy to go through the GFE with you, answering your questions and highlighting any estimates that seem unusual.
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Today's Rates:

Mtg Loan    Rate  APR
30-yr Fixed3.83%3.96%
15-yr Fixed3.05%3.21%
1-yr Adj2.73%3.39%
* national averages

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