(401) 723-3300 Cumberland and I'll assist you to understand all the fees and call attention to any mistakes. (401) 723-3300 There are certain basic expenses related to closing the sale of a house. These costs are often divided between the buyer and seller, as directed in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Rhode Island to help guide you through your process.

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

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

At closing, these taxes are usually collected    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for more information)

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

Sellers: As we get through the details of your deal, not only will I work to get the highest sales price, but I'll also push for lower closing costs. And once we've reached an agreement, I'll give a detailed list of the closing costs so you know exactly what you're paying for.

Buyers: When buying real estate in Providence County, you'll get 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 a suitable range so you're not astonished when you come to the closing table. I'll be willing to look through the GFE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

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