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Closing costs are the expenses which buyers and sellers normally incur to complete a transaction in the transfer of ownership of real estate. These costs are in addition to the price of the property, and are calculated as part of your final closing figures. Closing costs are customarily, but not always, divided between the buyer and seller according to the pre-printed paragraphs within the Contract for Purchase and Sale.

Designation of closing costs can be amended by re-allocating costs on a contract addendum.

FHA and VA Loan Closings
FHA and VA do not allow the buyer to pay certain items in connection with the loan. The seller will have to pay some of these “unallowable” closing costs for the buyer. Some of these fees may include:

Doc prep fee
Tax service fee
Settlement fee $650.00
Express mail

A reduced title rate, called “reissue rate,” is provided on refinance loans for borrowers who provide a copy of their Owner’s Policy of Title Insurance. This reissue rate is also given to a seller if they have owned their home less than three years and provide their Owner’s Policy of Title Insurance. The reissue rate is based on the original owner’s policy versus the new title policy.

Ultimately, the primary role of a title company is insuring title to real property. Our staff has the expertise to make the process go smoothly and will handle your transaction with knowledge, professionalism, and courtesy.

NO KICKBACKS! We do not participate in any kickback arrangements with brokers, lenders or realtors, commonly disguised and cleverly marketed to you as one-stop shopping. These types of organizations refer to themselves as having “Affiliated Business Agreements”, “Controlled Business Arrangements” or LLC Companies.

Southern Title & Abstract does not participate in arrangements of this sort.