Your Closing Costs

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"Closing Costs" are the fees which pay for the various services involved when you sell or buy a house. Buyers and sellers negotiate to decide how to share these closing costs.

As the list below indicates, many of the costs result from getting your mortgage. At Bridge View Funding, we are highly experienced in mortgage lending, so we can compile a comprehensive report on costs related to your mortgage in your "Good Faith Estimate".

Good Faith Estimates (GFEs)

Buyers get a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The closing cost estimate comes out of the loan officer's past experience. It's important to note that while our GFEs are very accurate, we cannot always predict costs to the penny. We handle questions about closing costs every day at Bridge View Funding, so don't hesitate to contact us if you have questions.

We've provided a general list of closing costs below, but we'll provide you a specific list of closing costs, with amounts, soon after you complete your loan application. At Bridge View Funding, 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

• Appraisal Costs
• Credit Report
• Up-front Interest Payment
• Escrow Fees
• Various Taxes
• Loan Origination Fee
• Points — These are costs you pay up-front to lower your interest rate (optional)

Property Taxes

• Insurance
• Transfer Taxes & Recording Fees

Homeowners Insurance

• Private Mortgage Insurance (PMI)
• Title Insurance
• Flood / Quake Insurance if applicable

Bridge View Funding can answer questions about these closing costs. Call us at 415.931.2883.