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SELLERS
BUYERS
The costs shown below are most common. If you have any questions regarding any of the information shown below - please feel free to give me a call or shoot me an email to discuss your curiosity.
Buyer Closing Costs: if financing was obtained: ( These total fees can vary between 2-5% of the loan amount )
o Lender Fees (Origination fees/points (Not the same as discount points), processing, prepaid interest – these will show on your loan estimate and/or terms)
o Mortgage Insurance, this is not the same as Mortgage protection. (If Applicable)
· County & Property Taxes (Pro-rated)
· City Transfer Taxes: These are assessed by some cities and are typically a percentage ranging from ~1%-~2% of the sales price. This fee is usually split but i would refer you to county standards shown ,, here .
· Homeowner’s Insurance.
· Title Insurance : There are two types of policies, the home buyer’s policy and the lender’s policy. Both policies protect either the home buyer or lender from unknown title claims. This fee varies from county to county, please see the link here .
· Escrow Fees : These fees are paid to the title and/or escrow company for miscellaneous services rendered, e.g. opening escrow, document preparation, notary, processing, recording. This fee varies from county to county, please see the link here .
· Appraisal Costs (negotiable with the seller)
· HOA Fees (If Applicable)
· *Here is a great article and tool to aide in whether or not you should buy discount points if you are financing your purchase ,, here - (I am not and do not sponsor any of the companies displayed on the following weblink).
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James Kil is a licensed professional who is experienced in arranging for real estate transactions, including but not limited to fostering buyer and seller relationships, as well as representing one or both parties during negotiations. During these negotiations, James Kil is perfectly capable of communicating with each involved party and navigating their interests. For the benefit of both parties, James Kil focuses on profitability for sellers and a fruitful, comfortable buying experience for buyers. Of course, James Kil does this all without alienating either nor jeopardizing their assets. At the end of the day, James Kil strives to make clients sell their homes at a sizable profit and let buyers attain their dream homes.
James Kil
REALTOR®
DRE# 02120566
James Kil
REALTOR®
DRE# 02120566
NAVIGATION
LEAVE IT TO ME
PROPERTY ORGANIZER
James Kil
REALTOR®
DRE# 02120566
NAVIGATION
LEAVE IT TO ME
James is a native San Franciscan and has been in the industry since 2012. James' expertise is grounded in risk-averse assessments and analysis. He specialized in junior mortgage loans before honing his abilities in risk mitigation before becoming a mortgage underwriter for Wells Fargo. He eventually found himself in a position as a leading mortgage/asset expert as a Capital Markets Associate on the secondary markets. His background allows him to comfortably tune in to the ebbs and flows of the ever-changing market and provide uniquely catered advice to anyone. He has built an extensive team of partners, e.g. stagers, tilers, contractors, painters, floor guys, stagers, movers, cleaners, and lenders.
The property information herein is derived from various sources that may include, but not be limited to, county records and the Multiple Listing Service, and it may include approximations. Although the information is believed to be accurate, it is not warranted and you should not rely upon it without personal verification. Not intended as a solicitation if your property is already listed by another broker. Affiliated real estate agents are independent contractor sales associates, not employees. ©2023 Coldwell Banker. All Rights Reserved. Coldwell Banker and the Coldwell Banker logos are trademarks of Coldwell Banker Real Estate LLC. The Coldwell Banker® System is comprised of company owned offices which are owned by a subsidiary of Anywhere Advisors LLC and franchised offices which are independently owned and operated. The Coldwell Banker System fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.
James Kil | All Rights Reserved
James Kil | All Rights Reserved
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