$25,000 in Closing Costs and Hidden Fees
🔍 What Are These Fees?
✅ Home Inspection $1,000+
A general home inspection is a thorough examination of a property's condition conducted by a professional inspector to assess its structural integrity, safety, and overall state, providing the buyer with valuable information about potential issues and necessary repairs.
✅ Title Insurance $3,500+
Title policies usually cost about 0.5% to 1.0% of the home's purchase price in escrow, which protects property buyers and lenders from financial losses due to title defects during a real estate transaction. It ensures that the property's title is clear of legal issues, such as liens or disputes.
✅ Home Appraisal $750-1,250
A home appraisal is an assessment of a property's market value conducted by a licensed appraiser to determine its worth. It is essential for both the buyer and the lender to ensure the property's price aligns with the loan amount and market conditions.
✅ Home Insurance $1,000+
The cost of home insurance at closing varies based on factors such as the location, size, and value of the property and the insurance provider. Home insurance costs can range from a few hundred to a few thousand dollars per year.
✅ Escrow Fees $1,500-$2,000
A mortgage broker fee is a cost charged by a mortgage broker for connecting homebuyers with suitable lenders and helping them secure a mortgage; it can be a flat fee or a percentage of the loan amount and is typically paid by the borrower.
✅ Rate Buydown $5,000+
A buydown is a mortgage financing technique with which the buyer attempts to obtain a lower interest rate for at least the first few years of the mortgage or possibly its entire life.
✅ Title Fee $1,000+
A title fee is a charge associated with the process of transferring legal ownership of a property from the seller to the buyer. It covers the cost of a title search and the issuance of a title insurance policy to protect against any potential legal claims or issues related to the property's ownership history.
✅ Rate Lock Fee $2,500+
A rate lock fee is a charge imposed by lenders to secure a specific interest rate for a certain period during the mortgage application process. The fee amount can vary among lenders, ranging from 0.5% to 1% of the total loan amount. For example, if you're taking out a $1,00,000 loan, the rate lock fee might be between $5,000 and $10,000.
✅ Recording Fee $250+
When you follow our tailored recommendations, we'll pay up to $25,000 toward closing costs on your home purchase. If, for some reason, you don't qualify for this program, we’ll guarantee to take $5,000 out of our commission and apply it toward closing costs. No fuss, no questions asked. Just peace of mind knowing you will benefit no matter what just by working with us.
*T&Cs Apply
We are delighted to introduce our exclusive offer:
All Your Hidden Fees + Closing Costs Covered By Us!
💰 Total Value: Up To $25,000 – Yours for FREE! 💰
Schedule Your Call Today!
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The Secret to Buy Your Dream Home
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Terms & Conditions
This limited-time program is subject to the available funding for the First Citizens Bank Grant program. All funds the FCB Grant provides must be applied towards loan closing costs or fees. The customer cannot keep any dollar amount of the FCB Grant program outside of the loan transaction. This program will not cover real Estate agents' commissions. All or a portion of the FCB Grant contribution may be reported to the IRS, and the customer will be responsible for any federal, state, or local taxes. Please consult your tax advisor about the deductible interest. Covered closing costs and fees must be part of the loan transaction. Please consult your tax advisor for any tax implications.
FCB Grant is offered on properties located within First Citizens Bank Southern California assessment counties (Los Angeles, Orange, Riverside, San Bernardino, San Diego, or Ventura). In FCB Grant, eligible tracts that are over 50% minority based on government-issued data through The FFIEC Geo-Coding Mapping System provides demographic information for census tracts.
Website: https://geomap ffiec.gov/FFIECGeocMap/GeocodeMap1 aspx.
FCB Grant is available only on loans funded by First Citizens Bank.
FCB's contribution is capped at a maximum of $15,000, while the realtor's contribution is contingent on the property value and can go up to $10,000. It is pertinent to note for the realtor to contribute, the minimum purchase price must exceed $500,000. For comprehensive details regarding this offer, kindly seek clarification directly from your realtor.