Don't forget to factor in closing costs when considering a home sale or purchase. nortrud wolf spero is experienced at aiding both buyers and sellers when it comes to closings. E-mail or call us today at (914) 968-7862 if your needs include a professional REALTOR® ready for the business side of real estate.

Closing costs you should expect

There are certain basic fees associated with closing the sale of a house. These costs 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 New York to help lead you through your transaction.

Loan-related closing costs    (Click here for more information)

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

Taxes commonly paid at closing    (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 hammer out your transaction, I'll not only work to get the highest sales price, but I'll also campaign for lower closing costs. And once we've arrived at an agreement, I'll fully clarify the closing costs so you know exactly where your money is going.

Buyers: If you are buying a property in Westchester County, you'll receive 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 past experiences and is required to be within a suitable range so you're not startled when you get to the closing appointment. I'll be happy to go over the GFE with you, answering your questions and highlighting any estimates that seem questionable.

nortrud wolf spero 33 s broadway yonkers, NY 10701
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