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13 Extra Costs to be Aware of Before Buying a Home
Whether you're looking to buy your first home, or trading up to a larger one, there are many costs - on top of the purchase price - that you must figure into your calculation of affordability. These extra fees, such as taxes and other additional costs, could surprise you with an unwanted financial nightmare on closing day if you're not informed and prepared.
Some of these costs are one-time fixed payments, while others represent an ongoing monthly or yearly commitment. Not all of these costs will apply in every situation, however it's better to know about them ahead of time so you can bud-get properly. Remember, buying a home is a maj or milestone. Whether it's your first, second or tenth home, there are many important details to address, during the process. The last thing you need are unbudgeted financial obligations cropping up hours before you take possession of your new home. Read through the following checklist to make sure you're budgeting properly for your next move.
1. Appraisal Fee
Your lending institution may request an appraisal of the property, which would be your responsibility to pay for. Appraisals can vary in price from approximately $175 -$ 300.
2. Property Taxes
Depending on your down payment, your lending institution may decide to include your property taxes in your monthly mortgage payments. If your property taxes are not added to your monthly payments, your lending institution may require annual proof that your taxes have been paid.
3. Survey Fee
When the home you purchase is a resale (vs. a new home), your lending institution may ask for an updated property survey. The cost for this survey can vary between $190 - $1,000.
4. Property Insurance
Home insurance covers the replacement value of your home (structure and contents). Your lending institution will request proof that you are insured as it protects their investment on the loan. Beware! Some homes may not be insurable. Make sure you have an insurability clause in your purchase contract.
5. Service Charges
Any new utility that services your hook up, such as telephone or cable, may require an installation fee.
6. Escrow and Document Preparation Fees
Escrow fees are split between the buyer and the seller in Colorado. However, additional fees will be charged for the buyer's mortgage closing. This can include first and second mortgages. In addition to the "Doc Prep" fees charged by the lender, some lenders will e mail the loan documents and therefore the escrow or title company may charge a electric to paper fee.
7. Mortgage Loan Insurance Fee
Depending upon the equity in your home, some mortgages require mortgage loan insurance. This type of insurance will cost you between 0.5% -3.5% of the total amount of the mortgage. Usually payments are made monthly in addition to your mortgage and tax payment.
8. Mortgage Brokers Fee
A mortgage broker is entitled to charge you a fee in order to source a lender and organize the financing. However, it pays to shop around because many mortgage brokers will provide their services free to you by having the lending institution absorb the cost.
9. Moving Costs
The cost for a professional mover can cost you in the range of:
?$50-$100/hour for a van and 3 movers, and
10. Maintenance or HOA Fees
Condos charge monthly fees for common area maintenance such as grounds keeping and carpet cleaning in hallways. Costs will vary depending on the building.
11. Water Quality and Quality Certification
If the home you purchased is serviced by a well, you should consider having your water checked by your local experts. Depending upon where you live, determines whether or not a fee is charged, to certify the quantity and quality of the water.
12. Local Improvements
If the town, city or county you live in has made local improvements (such as the addition of sewers or sidewalks), this could impact a property's taxes by hundreds of dollars.
13. Metropolitan or Special Tax Districts
This is a unique tax district set up by the developer to finance all aspects of the physical infrastructure such as streets, sewer and even recreation centers or golf courses. The developer only has to put up a small percentage of monies for these costs and the rest are floated with bonds and added to the homeowners tax bills until paid off. The arrangement can work nicely when there are plenty of homebuyers to pick up the tax bill. But, in a down market, watch out...you could end up holding the bag when there are not enough buyers to fund the bonds.
Are you looking for Real Estate in Denver Colorado? Visit http://www.realtyoasis.com to find current information and resources about home sales in Colorado. Realty Oasis Metro Brokers offers the top realty expertise and resources to help you find your dream home. Also check out our current home listings in Colorado at http://www.realtyoasis.com/listings/residential.asp. We have extensive home listings in Parker, Highlands Ranch, Aurora, Centennial and all cities in Colorado's Front Range.
Mark Eibner is the cofounder and Broker owner of Realty Oasis. When you hire Mark you also hire an entire team of professionals. Each staff member performs a specialized part of the buying and selling process. This support team helped place Mark among Denver's Top 5 Realtors from 1997 through 1999, and in the #1 position in 2000.
MORE RESOURCES updated Mon. July / 22 / 2019
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Mortgage rates may be rising but there's still room to refinance your home loan. Use these six ways to get the best deal on your first mortgage refinance.
Should you refinance your mortgage now? Clark.com - Clark Howard
Money expert Clark Howard has a simple rule for when to refinance your mortgage. See if it applies to you and how you can hit a "grand slam" if you do it.
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This is how ridiculously low mortgage rates are now. A historical perspective - The Mortgage Reports
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Refinance mortgage rate slides for Friday Bankrate.com
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Weekly mortgage rates fall further, but only refinance applications rise CNBC
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Mortgage rates today, July 19, 2019, plus lock recommendations The Mortgage Reports
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It's Your House, Only Cheaper — Why Homeowners Should Refinance Now to Save Big - PaperCity Magazine
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Fed interest rate cuts to usher in new era for home buyers The Mortgage Reports
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U.S Mortgage Rates – Rates Rise for Just the 3rd Time in 13-Weeks Yahoo Finance
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Over 8 million homeowners are leaving big money on the table by not refinancing The Coloradoan
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Mortgage rates today, July 11, 2019, plus lock recommendations The Mortgage Reports
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Mortgage rates sink to a 31-month low after Federal Reserve expresses uncertainty about the economy - The Washington Post
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Guild Mortgage Will Consider Airbnb Income on Refinance Applications Mortgageorb
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More people are pursuing refinances as mortgage rates have dropped.
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Homeowners scramble to refinance mortgages as rates hit the lowest level in 17 months. But mortgage applications for home purchase rose just 0.5%.
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Retail sales and industrial production showed some really strong results in June. Despite this, stocks fell quite a bit. Find out what happened.
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Refinance Your Mortgage Quickly: Prequalify in Just 3 Minutes Credible News
Let us do the heavy lifting for you. Compare rates from multiple lenders with no impact to your credit score. Refinance your mortgage with peace of mind.
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A Long Island man who pleaded guilty to felony charges in the collapse of a $1-billion-a-year mortgage lender is scheduled to be sentenced in federal court ...
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A turnaround in interest rates turned borrowers back on their heels last week, deflating a quick boom in refinance demand.
More, Hirt, and Henn of Mission Capital Advisors arrange
$15.2 million first mortgage refinance for The Box Factory - New York Real Estate Journal Online
More, Hirt, and Henn of Mission Capital Advisors arrange
$15.2 million first mortgage refinance for The Box Factory New York Real Estate Journal Online
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What to consider before determining whether to refinance your mortgage Washington Post
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Refinance rates were mixed today. See what that means for you if you're in the market for a mortgage.
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Refinance rates were mixed, but one key rate were higher. See what that means for you if you're in the market for a mortgage.
Refinance mortgage rate moves higher for Friday Bankrate.com
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As mortgage rates fell to the lowest level since September 2017, mortgage applications surged 26.8% last week, led by an increase in refinancing.
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Document, Non-QM, MI Products; Vendor News; Rates Steady Mortgage News Daily
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Refinance mortgage rate advances for Saturday Bankrate.com
Refinance rates were mixed, but one key rate floated higher. If you're shopping for a home loan, see what that means for you.