Closing costs you should expect

 The Kim Hamrick Team can walk you through closing - 803-389-3136
There are certain expected fees linked to closing the sale of a house. These expenses are usually split between the buyer and seller, as instructed in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in South Carolina to help guide you through the deal.

Costs pertaining to your loan to be paid at closing    (Learn more)

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

At closing, these taxes are usually paid    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

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

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

Buyers: When buying a property in Rock Hill, you'll be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's past experiences and are required to be within an acceptable range so you're not shocked when you get to the closing appointment. We'll be happy to look over the estimate with you, answering your questions and highlighting any estimates that seem unusual.

Don't forget to factor in closing costs when considering a home sale or purchase. The Kim Hamrick Team is experienced at assisting both buyers and sellers when it comes to closings. E-mail or call me today at 803-389-3136 if your needs include a professional REALTOR® ready for the business side of buying and selling.

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