Guaranteed Closing Costs
While most lenders provide a cost estimate, Sammamish Mortgage provides guaranteed closing costs. We guarantee not only the lender fees but guarantee the costs of third party service providers as well.
- Fees for third party service providers are guaranteed, including Appraisal, Credit Report, Flood Cert, Tax Service, SettlementAgent, Lender Title Insurance, and all Government Recording and Transfer Charges.
- Guarantee of Settlement Agent, Lender Title Insurance and Government Recording charges requires the use of our recommended providers. You may choose to use different service providers, in which case these fees are not guaranteed.
- Guaranteed fees on purchase transactions include only standard fees paid by the buyer. Fees normally paid by seller that the buyer agrees to pay are not included in our guarantee.
- Prepaid items such as taxes, insurance and daily interest collected at closing, are not guaranteed. Charges by your current lender in connection with your payoff on a refinance are not guaranteed. These items are not lender specific and will be the same regardless of which mortgage company you choose to work with.
- Potential fees associated with subordinating a 2nd lien or your HOA are not guaranteed. We will contact the 2nd lien holder or HOA as early in the process as possible to get their cost quotes.