Your Closing Costs

"Closing Costs" are the fees which cover the various services involved in the sale of a home. Buyers & sellers usually negotiate these closing costs.

Many of the costs associated with buying residential real estate are associated with getting a loan. Since Reliance Mortgage Service, Inc has extensive experience with mortgages & closings, we are closing cost experts.

Loan Estimates (LEs)

Soon after you submit your application, we will provide you with a "Loan Estimate" of your costs. The cost estimate comes out of the loan officer's past experience. Please note that while our LEs are very accurate, we can't always predict your closing costs to the penny. We explain Loan Estimates with buyers every day, so we are happy to answer your questions about closing costs.

We've provided a general list of closing costs below, but we will give you a specific list of closing costs, with amounts, very soon after you have completed your loan application. At Reliance Mortgage Service, Inc, we don't believe in surprises, so if your costs change, we'll be sure to let you know immediately.

Standard Closing Costs

Loan-Related Costs
  • Points — These are costs you pay up-front to lower your mortgage interest rate (optional)
  • Appraisal Costs
  • Obtaining Your Credit Report
  • Up-front Interest Payment
  • Escrow Account
  • Various Taxes
  • Loan Origination Fee
Property Taxes
  • Insurance
  • Recording Fees and Transfer Taxes
Homeowners Insurance
  • Title Insurance
  • Flood or Quake Insurance if applicable
  • Private Mortgage Insurance (PMI)

Reliance Mortgage Service, Inc can help you understand closing costs. Call us at 562 320-0510.

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