Closing day is pay day!
And you're looking forward to finally holding that big cheque.
 
In all your excitement, don't forget that you'll have to fork out a little bit of cash by
way of closing costs in order to seal the deal.
 
Closing costs are fees owned on or by closing day that must be paid to complete
the sale of your home. To give you a rough idea of what to expect, some of the
most common expenses are listed below.
 
  • Your Realtor’s commission
This fee covers all the professional legwork, targeted marketing and expert
advice provided by your agent, as well as commission to the Buyer’s real
estate agent.
 
  • Mortgage prepayment or discharge fees
If you plan to pay off your mortgage with the proceeds of the sale of your
home, your bank may charge a fee for closing your account, and a penalty
fee if you’ve paid it off early.
 
  • Utility and property tax adjustments
Any credit or expenses owed depend on how your property tax and utility bill
payments are scheduled. If you’ve prepaid these expenses in advance then
you can expect the buyer to refund you the difference. If you don’t pay these
expenses in advance then it will be you paying the buyer for the amount
accrued prior to the closing date.
 
  • Legal fees and disbursements
When you’re involved in as big a financial transaction as this, you want to be
sure you are protected. Your lawyer will ensure that both you and the Buyer
have met your legal obligations as outlined in the Offer to Purchase, so that
the deal may officially close.
 
As you approach closing, ask me, your trusted Realtor to further define more
precise numbers. You know where to find me!
 
Thank you for your trust,
 
 {email_signature} 
 
BTW – Up next, I’ve got genius moving hacks that will save time and money on
your upcoming move. Make sure to look out for this one, you don’t want to miss it!

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