
	Don't forget to factor in closing costs when considering a home sale or purchase. Lovins Realty & Investment Co. is seasoned at assisting both buyers and sellers when it comes to closings. E-mail or call us today at 912-537-8885 if your needs include a real estate pro ready for the business side of buying and selling.

What closing costs should you expect?

There are certain typical expenses linked to closing the sale of a house. These fees are often divided between the buyer and seller, as directed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Georgia to help lead you through your transaction.

Closing costs that are tied to financing (Details)

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

Taxes you may be responsible for at closing (Details)

Property Taxes
Transfer Taxes and Recording Fees

Insurance fees due at closing (Details)

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

Sellers: As we negotiate your sale, not only will I work to get the highest sales price, but I'll also push for reduced closing costs. And once we've come to an agreement, I'll fully clarify the closing costs so you are aware of exactly what you're paying for.

Buyers: If you're buying a house in Toombs 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 prior experience and is required to be within a reasonable range so you're not shocked when you get to the closing appointment. I'll be glad to go over the GFE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.