Don't forget to factor in closing costs when considering a home sale or purchase. American Dream Realty is experienced at helping both buyers and sellers when it comes to closings. E-mail or call us today at if your needs include a real estate pro experienced in the business side of real estate.

What closing costs should you expect?

There are certain standard costs accompanying closing the sale of a house. These fees are commonly split between the buyer and seller, as instructed in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in California to help lead you through your process.

Loan-related closing costs    (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

At closing, these fees are often due    (Learn more)

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

Sellers: As we get through the details of your transaction, I'll not only work to get the highest sales price, but I'll also push for limited closing costs. And once we've arrived at an agreement, I'll fully explain the closing costs so you are informed of exactly what you're paying for.

Buyers: If you're buying a house in Santa Cruz County, you will 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 reasonable range so you're not startled when you get to the closing appointment. I'll be happy to go through the GFE with you, answering your questions and highlighting any estimates that are uncertain.

American Dream Realty 6990 Hwy 9 Felton, CA 95018
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