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Since 1993, it’s been a privilege to do what I love, assisting families in their real estate & relocation needs. Call 919-601-4200
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Closing or Settlement >Estimated Closing Costs
There is a federal law that requires mortgage lenders to give prospective buyers an itemized, "good-faith" estimate of their closing costs. Sometimes buyers arrive at the closing with this document in hand and proceed to question each item on the final closing statement that does not match the estimate exactly.
These "good-faith" estimates are just that--estimates. The lender's charges will be fairly accurate, but the charges for attorneys, termite inspections, title insurance, and other items that appear on the closing sheet may vary from the estimate. Some pro-rated items, such as taxes or homeowner's association fees, will also be different if you don't close on the date that was used to calculate the estimate. The purpose of the disclosure law is to give you a ball park figure of your closing costs. But the estimate you are given won't be to the penny--probably not even to the dollar!
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| Q |
What is an encumbrance against a property, which may be voluntary or involuntary?
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There are many different kinds of liens: a tax lien, a judgment lien, a mortgage lien, and a mechanic's lien. |
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Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate!
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"I trust Dean. Dean is not a "self-serving" agent.
Dean has daughters my age. She made me feel like one of her daughters and she looked out for my interests, not her own.
Rachel W.
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