The final stage of a home sale transaction is the time to tie up all the loose ends. The buyer and seller will sign the settlement sheet at the closing, detailing all of the charges that each party has incurred during the sale of the house. It is crucial to go over the sheet for accuracy and to make sure that you understand everything on it before you complete the transaction.

When a contract is negotiated, each side agrees how to divide the loan fees (or points), as well as the other closing charges, such as state or local taxes or escrow fees. Your real estate agent can go over the settlement sheet and help you compare it with your purchase agreement. The seller's charges usually include the brokerage fee, the mortgage payoff, and any charges involved in clearing the title, as well as pro-rated property taxes, payments for termite treatment and escrow for repairs that could not be completed by closing. The buyer's costs include charges for the loan and title searches, insurance and any other legal fees. A good closing officer will go over the settlement sheet line by line, explaining each item and correcting any misplaced charges.

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Jeff Johnston
Bradley Real Estate
1701 Novato Blvd., Suite 100,
Novato, CA. 94947
Direct: 415-209-1025
Fax: 415-209-1050
Email: jeffjohnston@NUMBER1EXPERT.com
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29 years after selecting real estate as his career, Jeff has earned a reputation as one of Marin's most respected Realtors, by not only his clients, but also his peers. Jeff began his career in 1978, and just 3 years later obtained his California Broker's License. Since the early 1980's Jeff has regularly been among Marin County's Top Producing Agents. In July 2007 Jeff joined his present company, Bradley Real Estate, as a Broker Associate. "My reasons for joining Bradley are simple. They are the North Bay's fastest growing and most innovative residential brokerage. I am impressed that they consistently provide their agents with the best tools and support to position their clients for success." With his former company, Jeff had been his office's #1 producing agent 3 out of the past 4 years (2006, 2005 and 2003)! Jeff was also recognized as a member of his former company's Elite Top Ten, an award bestowed on the company's top ten producers each year. On at least 4 different occasions Jeff has been asked to speak at the Marin Association of Realtors General Membership Meetings to share his secrets of success. With his level of experience, Jeff views himself as a consultant and advocate for his clients, and not so much a sales person. "With 29 years under my belt, I know I can provide people with a lot of information and give them unparalleled service. I treat my clients with the respect and consideration I would want to be treated with." A bit of a fitness buff, Jeff is a former marathon runner turned cyclist. He completed 8 marathons dating back to the late 1970's and early 1980's including Boston (1980). In 2003 through 2006 Jeff completed 5 century rides (100 miles or greater), including the grueling Death Ride (Tour of the California Alps) in July of 2006. Jeff resides in Novato, CA with his wife Christine (Also a Realtor), and their five children, Grace (5), Kathryn (7), Kenny (16), Ryan (19), and Holly (20).

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