subject: Different Expenses In Purchasing A House [print this page] One of the common rookie mistakes homebuyers do when they start the process of buying a house is to consider other fees that they have to pay. Most of the time, they are so focused on planning their budget for the major fees they have to make such as the down payment and the monthly mortgage fees that they forget allocating some funds for other common fees and hidden costs. For instance, a person who wants to buy a Anaheim real estate will look at the prices of some Anaheim Homes for Sale, which they will use as standard when making a loan. You should remember that hidden fees can also cost you thousands of dollars or approximately five percent of the price of the house so it is very necessary that you also think about these fees when planning your budget. If you want to effectively manage your financial expenditures for your real estate investment, it is best that you are ready for all the minor and major expenses waiting for you. If you can estimate all the payments you have to make during the process, you will know the right amount to apply for when you make a home loan. Here are some of the common fees you should be prepared for:
Loan Application Fee
Most homebuyers do not really have enough money on hand they can use to pay for the house that is why they seek the financial assistance of banks and lending companies. Getting a home loan has an application fee and you should be as well be ready for that.
Credit Report Fee
You may think that seeing your credit report would give you no costs because of the free credit report you are entitled to every year. However, there are times that the banks or company where you applied your loan from will oblige you to cover the expenses for them to see and validate your report.
Home Inspection fee
You should also get a home inspector that will provide you a thorough report about the house including all the structural details and important information about it. They would need a professional fee so include a budget for it.
Appraisal Fee
You also need to pay for a professional service of an appraiser who will check the house and calculate for the ballpark costs of the house you plan to buy. This is especially important for the lenders to verify if you are really borrowing the right amount of money for the house.
Notary Fee
There are so many paper works that you have to take care of when buying for a house and this includes getting the important documents notarized for legal purposes. With this, you also have to shoulder the notary fees.
Escrow fee
You also need to pay for the third party who will manage the funds when the final negotiations and transactions are going on.
Property Tax
You also have to take care of the property tax fees for the house. If the seller had already paid for it, he or she may get a reimbursement from you.
Homeowners Insurance Fees
It is also possible that your creditor will ask you to get a homeowners insurance and that means additional fees that you have to handle.
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