Your Closing Costs

All residential real estate transactions incurs fixed costs. Buyers and sellers customarily share these costs, as specified in the sales contract.

Many of the costs associated with buying residential real estate are associated with getting a loan. At Family Mortgage Company of Hawaii, Inc. NMLS #244497, we have extensive experience in mortgage lending, so we can provide you with a comprehensive report on mortgage-related closing costs in your "Good Faith Estimate".

Good Faith Estimates (GFEs)

Very soon after you apply for a loan, we will give you a "Good Faith Estimate" of your closing costs. The closing costs enumerated in the GFE are estimated based on Family Mortgage Company of Hawaii, Inc. NMLS #244497's experience with mortgage loans, but costs usually vary by small amounts between delivery of the GFE and closing. We will be glad to review the "Good Faith Estimate," answering your questions and pointing out costs that can vary a little bit at the closing table.

Below you'll find a general list of closing costs. We will provide a specific list of your closing costs when we deliver your Good Faith Estimate.

Standard Closing Costs

Loan-Related Costs
  • Pulling YourCredit Report
  • Interest Payment
  • Escrow Account
  • Taxes
  • Costs related to "originating" your loan
  • Points — These are costs you pay up-front to lower your mortgage interest rate (optional)
  • Appraisal Fee
Property Taxes
  • Insurance
  • Recording Fees & Transfer Taxes
Homeowners Insurance
  • Title Insurance
  • Flood / Quake Insurance
  • Private Mortgage Insurance (PMI)

Family Mortgage Company of Hawaii, Inc. NMLS #244497 can answer questions about these closing costs. Call us: (808) 935-0678.

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