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Don't forget to factor in closing costs when considering a home sale or purchase. Southern Oaks Land & Realty, LLC is experienced at aiding both buyers and sellers when it comes to closings. E-mail or call us today at 205-459-4800 if your needs include a professional REALTOR® ready for the business side of buying and selling.

Closing costs you should expect

There are certain basic fees related to closing the sale of a house. These costs are usually divided 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 Alabama to help lead you through the deal.

Closing costs that are tied to financing    (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 deal, not only will I work to get the optimal sales price, but I'll also push for limited closing costs. And once we've reached an agreement, I'll describe in detail the closing costs so you are informed of exactly what you're paying for.

Buyers: If you're buying a home in Choctaw County, you'll 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 past experiences and is required to be within a suitable range so you're not stunned when you come to the closing table. I'll be glad to look through the GFE with you, answering your questions and highlighting any estimates that are uncertain.

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Want to know if a home is still on the market, or if the price has changed? We can help. Simply fill out the information below and with no obligation to you we'll get back to you with your requested information. We guarantee your privacy.

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