"When people prepare to buy a home, they usually focus on the down payment. What sometimes catches buyers off guard are closing costs.

Closing costs include the fees associated with finalizing your mortgage and transferring ownership of the property. These costs can include lender fees, title services, attorney fees, appraisal costs, homeowners insurance, prepaid taxes, and other items required to complete your purchase.

The exact amount varies depending on the purchase price, loan program, and other factors.

The good news is you'll know these costs well before closing. Federal lending regulations require lenders to provide estimates early in the mortgage process so there are no unexpected surprises.

In some situations, sellers may agree to contribute toward closing costs during negotiations. Certain loan programs may also offer assistance that can reduce the amount you'll need to bring to closing.

One of my priorities is making sure buyers understand every number before they sign. Buying a home is a major investment, and you should never feel uncertain about where your money is going.

If you're planning to purchase a home in Shelby or anywhere in Western North Carolina, I'd be happy to walk you through what to expect so you can prepare with confidence."