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Don't forget to factor in closing costs when considering a home sale or purchase. Ted Rutkowski Real Estate, Inc. is experienced at aiding both buyers and sellers when it comes to closings. E-mail or call us today at 810-984-1531 if your needs include a real estate pro ready for the business side of buying and selling.
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What closing costs should you expect?
There are certain standard expenses related to closing the sale of a house. These costs are often divided 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 Michigan to help guide you through your deal.
Closing costs that are tied to financing
(Learn more)
- Points (optional)
- Appraisal Fee
- Credit Report
- Interest Payment
- Escrow Account
Taxes commonly paid at closing (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
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Sellers: As we hammer out your transaction, I'll not only work to get the optimal sales price, but I'll also advocate for limited closing costs. And once we've come to an agreement, I'll walk you through the closing costs so you know exactly where your money is going.
Buyers: If you're buying real estate in Saint Clair County, you will be given 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 surprised when you reach closing time. I'll be glad to look at the GFE with you, answering your questions and highlighting any estimates that seem off.
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We have been in business since 1947. Our experience proves our ability. Gerald E. Rutkowski is a licensed real estate agent and appraiser specializing in all types of real estate. We serve everyone from first time buyers to savvy investors. Over 90% of our business is from repeat customers.
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