Our Fees and Services 

Closing Fee: $375.00 includes 

• Title Search and all updates 
• Courier Fees, Administrative, Copying, and Fax Fess
• Mortgage Satisfaction/Release Fee
• Wire Transfer of Funds provided free of charge to all concerned parties 

Title Examination: $100.00 
Simultaneous Issue (Lender's or Owner's Policy): $175.00
Mobile Home Title Transfer or Retirement: $400 + DMV or Recording Fees 
Endorsements: 

• $25.00 Each: 4.1 (Condo), 5.1 (PUD), 6.0 (Renegotiable Rate Mortgage), 6.1 (Variable Rate Mortgage), 6.2 (Negative Amortization Mortgage), 7.0 (Manufactured Home), 8.1 (Environmental Protection Liens)
• 10% of the policy amount for From 9 and Navigational Servitude  

Title Insurance Policy: See Attached for Calculation 

Promulgated Rate
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Calculating Premium
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Reissue Credit Will be Given With an Owner's Title Insurance Policy 

• On all refinance transactions 
• On a purchase and sales transaction when the policy is less then three years old 

Other Services: As a real estate attorney, Tom Santoro can provide any services in addition to the above services to ensure title on the property is clear and ready to close such as corrective deeds, affidavits, quiet title action, and probate, if necessary. 

customary division of closing costs 

Seller will normally pay: 

• Deed Stamps (Sales Price X .007)
• Fee Title Insurance Policy 
• Title Search Fee 
• Closing Fee
• Seller's Transaction Fee
• Real Estate Brokerage Fee 
• Satisfaction of Mortgage and Recording Fee
• Survey 

Buyer (Consumer) will normally pay: 

• Recording Fees - $10.00 for the first page of each document and $8.50 for each subsequent page 
• Note Stamps: Mortgage Amount X .0035
• Intangible Tax: Mortgage Amount X .002
• Credit Report(s) 
• Buyer's Transaction Fee 
• Wood Destroying Organism Report 
• Appraisal Fee
• Lender's Fee
• Simultaneous Issue Title Ins. Policy 
• Title Insurance Endorsements 

VA Loan Allowable Fees for Buyers 

• Appraisal and Compliance Inspections 
• Recording Fees
• Credit Report 
• Flood Zone Determination 
• Survey 

• Title Insurance 
• VA Funding Fee 
• Loan Origination Fee and/or Lender's Fees (up to 1%) 
• Reasonable Discount Points 

FHA Loan Non-Allowable Fees for Buyer 

• Tax Service Fee