About Closing Costs
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Every home sale incurs costs. Sellers and buyers usually share these closing costs, as specified in the sales contract.
As indicated below, many of the buyer's closing costs cover the costs of originating the mortgage loan. At Alpine Capital Mortgage, we have extensive experience in mortgage lending, so we can provide you with a comprehensive list of costs related to your mortgage in your "Good Faith Estimate".
Good Faith Estimates (GFEs)
Very soon after you submit your application, we'll provide you with a "Good Faith Estimate" of your closing costs. The cost estimate comes out of the loan officer's past experience. Please note that while our GFEs are very accurate, we can't always predict costs to the penny. We field buyers' questions about these costs every day at Alpine Capital Mortgage, so don't hesitate to ask if we can help answer your questions.
We've provided a general list of these costs below, but we will give you a specific list of closing costs, with amounts, soon after you have completed your application. At Alpine Capital Mortgage, 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
- Points — A fee paid to lower your mortgage interest rate (optional)
- Appraisal Fee
- Obtaining Your Credit Report
- Interest Payment
- Escrow Account
- Various Taxes
- Recording Fees & Transfer Taxes
- Private Mortgage Insurance (PMI)
- Title Insurance
- Flood / Earthquake Insurance if applicable
Alpine Capital Mortgage can answer questions about these closing costs. Call us at (208) 726-5466.
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