Don't Forget Closing Costs

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All residential real estate sales involves certain fixed costs. Sellers and buyers usually share these costs, as the real estate sales contract specifies.

As the list below indicates, many of the costs result from getting your mortgage. Since Evans Mortgage Company is highly experienced with closings and mortgages, we can help you understand your closing costs.

The Good Faith Estimate (Also know as the GFE)

Buyers will get a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. This cost estimate comes out of the loan officer's past experience. It's important to note that while our GFEs are very precise, we cannot always estimate your closing costs to the penny. We field buyers' questions about these costs every day at Evans Mortgage Company, so please feel free to ask if you have questions.

We've provided a general list of these costs below, but we will provide you a specific list of closing costs, with amounts, soon after you complete your loan application. At Evans Mortgage Company, 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
  • Interest Payment
  • Escrow Fees
  • Various Taxes
  • Loan Origination Fee
  • Points — lower your interest rate (optional)
  • Appraisal Costs
  • Credit Report
Property Taxes
  • Transfer Taxes & Recording Fees
  • Insurance
Homeowners Insurance
  • Flood / Earthquake Insurance
  • Private Mortgage Insurance (PMI)
  • Title Insurance
Evans Mortgage Company can help you understand closing costs. Call us: 916-731-4405.

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