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Marc Goldstein, Broker/Owner
National Realty
Office:  410-653-7653(SOLD)
Cell: 410-598-9900
Email: baltimorerealtor@aol.com

Thank you for visiting today. If this is your first visit, please take your time and look around. I have plenty of information and resources available to you. If you are a return visitor, thank you. I would love to hear from you and tell you how I can serve all of your real estate needs!

Understanding Closing Costs – National

Closing Costs

Wondering what it costs to buy?  Let me explain how it works and how I work for you:

Once you've found the house you want, we begin negotations.  I work to get the sales price you want and try to limit the number of closing costs on your side.  Some costs are standard including local and state transfer taxes that are typically split between the buyer and seller and are spelled out in the contract.  But, every case is individual, so we assess your financial situation, the circumstances of the particular home and I explain your options, both standard and negotiable, and we go from there. 

What's a Good Faith Estimate?

By law, you the buyer, receive a "Good Faith Estimate" of closing costs at the time your loan application is submitted to your lender. The estimate includes the following list of charges, but it's only an estimate.  Charges vary depending on the title company you choose.  I'll be glad to review it with you and answer any questions.  Here's what you'll see:

Loan-Related Costs

  • Loan Origination Fee (if applicable)
  • Points (if applicable)
  • Appraisal Fee
  • Credit Report
  • Tax Service Fee
  • Underwriting Fee

Taxes & Title

  • Property Taxes
  • Transfer Taxes and Recording Fees
  • Settlement or Closing Fee
  • Document Preparation
  • Title Insurance Binder
  • Judgment Reports
  • Lien certificates


  • Homeowners (or Hazard) Insurance
  • Flood Insurance (if applicable)
  • Private Mortgage Insurance (PMI)
  • Title Insurance (Lender & Owner Coverage)


The important thing to remember is that you have options and a good lender will be knowledgable enough to present them.  This includes some state and local government programs, particularly for first-time buyers.  Others target government and state employees or those of a particular income.  These types of programs help to limit the amount of cash you need up front, so it's important to know what's available to you.  I can help refer you to professionals who are well-versed in these areas. 

I'd be honored to talk with you.  I am available anytime at 410-653-7653 or on my cell phone at 410-598-9900.  Good luck!

National Realty • 1777 Reisterstown Rd, Suite 206 West • Baltimore, MD 21208
Phone: 410-653-SOLD(7653) • Cell: 410-598-9900 • Fax: 410-653-3830
Toll-free: 1-800-770-6404

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Portions Copyright © 2011 a la mode, inc.
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All rate, payment, and area information are estimates and approximations only.