"Closing Costs" are the fees that pay for the various services involved when you sell or buy a home. Sellers & buyers often negotiate these closing costs.
As the list below indicates, many of the costs result from getting your mortgage loan. Since Riviera Funding NMLS#861382 CA DRE Broker #01186669 has extensive experience with mortgages & closings, we are closing cost experts.
Very soon after you apply for a loan, we will give you the "Loan Estimate" of your costs. The closing costs enumerated in the LE are estimated based on Riviera Funding NMLS#861382 CA DRE Broker #01186669's experience with mortgage loans, but costs usually change by small amounts between the Loan Estimate (LE) and closing. We will be glad to review the "Loan Estimate," answering questions and pointing out costs that sometimes vary a little bit at the closing table.
We've provided a general list of closing costs below, but we will give you a specific list of closing costs, with amounts, soon after you complete your application. At Riviera Funding NMLS#861382 CA DRE Broker #01186669, we don't believe in surprises, so if your costs change, we will be sure to let you know immediately.
Standard Closing Costs Loan-Related Costs Escrow Fees Various TaxesLoan Origination Fee Points — lower your mortgage interest rate (optional) Appraisal Costs Pulling Your Credit Report Interest Payment Property Taxes Recording Fees and Transfer Taxes Insurance Homeowners Insurance Private Mortgage Insurance (PMI) Title Insurance Flood / Earthquake Insurance if applicable
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