Horse Farms REAL ESTATE

Southern Pines, NC 

~ information from zillow.com

The Lowdown on Closing Costs

When you get a mortgage, you will need to pay closing costs, which are fees – charged by lenders and third parties -- related to the purchase of the home. So, in addition to owing the lender the down payment on the home and the principal and interest related to the mortgage, you will also owe the lender and third parties closing costs, which you usually pay at the time that you close on your mortgage. Most of the time, it is the home buyer who pays the closing costs, rather than the seller, though on some loans such as VA loans, the seller pays a portion of these costs.

How much will you pay in closing costs?

Typically, home buyers will pay between about 2 and 5 percent of the purchase price of their home in closing costs. So, if your home cost $150,000, you might pay between $3,000 and $7,500 in closing costs. On average, buyers pay roughly $3,700 in closing costs, according to a recent survey. Lenders are required by law to give you a good faith estimate (GFE) of what the closing costs on your home will be within three days of when you apply for a loan. But these are just an estimate, and many of the fees listed on the GFE can legally change by up to 10 percent, potentially adding thousands of dollars to your final closing cost bill. Within a day of your closing, the lender should give you a HUD-1 settlement statement, which outlines closing costs. Compare this to your GFE and ask the lender to explain what each line item on your closing costs is and why it is needed. Often, many of the fees that make up closing costs are negotiable, and some are completely unnecessary, especially things such as high administrative, mailing or courier costs charged by your lender. If the closing costs come in high, you can walk away from the loan; there are plenty of lenders who might be willing to offer you lower closing costs.

What Are Buyer's Closing Costs and How Much Are They Typically?

closing costs

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Phone/Cable/Internet

AT&T: 800-222-0300 (phone)

Sprint: 910-864-9011 (phone)

Alltel: 910-944-2301 (phone)

Time Warner: 910-692-6684 (cable)

Charter Cable: 800-672-2545 (cable)

Real Estate Closing Attorneys

Buck Adams: 910-295-1700; Fax (295-1612)

Craig Phifer: 910-692-5100; Fax (692-2259)

Robert Friesen: 910-692-4900; Fax (692-4286)

Utilities

Progress Energy (electric): 800-452-2777

Water/Sewer

Pinehurst/West End: 910-947-6315

Southern Pines: 910-692-2206

Whispering Pines: 910-949-2010

Gas

Ferrellgas: 910-944-1087 (gas)

North Carolina Gas: 800-275-6264 (gas)

Direct TV - Use my name and address and save $10/month (see below)

Concierge

APPROXIMATE CLOSING costs*

Appliance Purchases

Kee's Appliance: 910-944-8887

Keith’s Maytag: 910-944-9200

Lowe’s: 910-693-1010

Sears: 910-944-2313

Auto Insurance

State Farm Jim Leach: 910-215-8150

Blinds Chic Designs: 919-353-2144

Comfort Made Blinds: 910-295-6604

Cabinets Kitchens/Baths

Brooks Cabinetry: 910-639-1480

David Clements: 910-695-3308

Eudy’s Cabinets: 704-888-4454

James Beddingfield: 910-692-7182

Car State Inspection
PJ's Auto Care/Tires  (910) 692-3944

Carpeting

Gulistan Carpet Outlet: 910-944-6204

Carpet Rug outlet: 800-462-7745

Southern Carpet: 910-295-8097

Concrete and Brick Work

Chad Goodwin: 910-295-1094

Carolina Curb: 919-280-6767

Contractor Licensed

Barry Leonard: 910-639-1007

Scott Tortora

Computer Services

Allen Lee: 910-215-5517

Best Buys (Geek Squad): 800-433-5778

Custom Closets

California Closets: 910-692-6970

​Electricians

Roger Seago: 910-690-3586

Southern Pines Electric: 910-692-0622

David Mull Electric: 910-245-4355

Foundation Work/Chimney Separation Repairs RamJack: 919-309-9727

Furnace Service

Air Specialties: 910-944-2526

Carolina Climate Control: 910-947-2823

Granite/Marble Countertops 
S&D Granite & Marble Inc.: 910-944-3270 

​​Handyman/Home Remodeling

Bascom Johnson 910-603-2672 

Henry Adkins: 910-494-8507

John Alger: 910-639-0097

​Steve Terrell: 919-528-2978

Fred Morrison: 910-295-5898

Hardwood Floor Refinishing 

Bascom Johnson 910-603-2672

Luther 910-639-1347

Heating & Air Conditioning

Four Seasons: 910-235-0606

Carolina Climate Control: 910-947-2823

Home Cleaning

Elaine Woodruff: 910-690-9975

Susan Key: 910-315-2565

Kathleen: 910-295-4673

Lesa’s Cleaning Service: 910-281-5543

Take Care: 910-255-0088

Teeple’s Touch: 910-673-1932

Terrell: 910-718-1762

Home Inspections 
Malcolm Mclester: (910) 334-0332

Sandhills Inspections: (910) 215-8820

Pilar To Post: (910) 528-2178

Home Insurance

State Farm Jim Leach: 910-215-8150

Home/Auto Insurance

Jim Leach (State Farm): 910-215-8150

Land Surveyor  
Associates  910-255-0420
Strother Surveying  910-875-8081

Lawn Cleanup/Service

Tim's Yard Service: 910-673-9273

Tony Trolio: 910-245-4194

Town & Country: 910-673-5296

Twinscape: 910-948-2386

Locksmith

Aberdeen Lock: 910-944-9406

Pro Lock & Key: 910-944-1055

Lot Cleaning

Doug Williams: 910-673-2810

Skeet Douglas: 910-947-5228

Moving Company

Sam Byers (Atlas): 704-528-9596

M. M. Smith (Allied): 800-764-8466

On The Move (Local): 910-639-9010

Painting/Wallpapering 
John Upton: 910-992-6409 
Aberdeen Paint: 910-692-4451 
Federmack Painting: 800-724-6856 

Pest Control 
Hines Pest Control: 910-244-2669 
Aberdeen Exterminator: 901-944-2474 

PERC Testing

Moore County: 910-947-6283

Plumbing

John Cole's: 910-639-4933

Adam Ingram: 910-690-5772

Frank Israel: 910-692-8727

Pool/Spas

Service Pools, Etc.: 910-944-7581

Vass Swimming Pools910-246-0888

Roof Repair/Replacement

​Elite Roofing  757-0505

Barry Leonard: 910-639-1007

Moore CountyRoofing: 910-916-7809

Septic Cleaning/Inspection

Marlin Septic: 910-295-1899

Surveys Blue Land: 910-692-6461

Stephen Sheffield: 910-255-0420

Stone Mason
Gary Volk/East Carolina Masonary (910) 783-8591

Storage Units - Southern Pines

James Carpenter: 910-315-3442

Stucco Inspection
Carolina Speciatiies  919-703-5011

Stucco Repair
John Fields      910-215-7549

Tax Preparation

Sandhills Accounting Pat: 910-695-0147

Tile Work

Suddreth Tile: 910-315-2473

Henry Key: 910-235-0679

Tree Removal Service 
Hearthwood Tree Removal: 910-246-2300 
Piedmont Land Management  704-363-6863 
Southern Pines Tree Service: 910-695-7299

Vet/Kennel

Animal Health Center: 910-692-4201

Cin-Lar Kennel: 910-947-3264

Water Testing

Carolina Envir.: 910-775-1880

Aqua Tech: 910-776-5999

Woodpecker Inspection (empty lots)

Jay Carter Associates: 910-695-1043

Window Repair

 Tim MvVicker   910-257-1083