When Jessica Sigmund thinks about real estate, the first words that come to mind aren't "appraisal," "closing cost," or " adjustable-rate mortgage." For her, the most important element of real estate is the "human element". It's what first sparked her passion for real estate when she was a young girl marveling at the inherent beauty and architecture of homes she saw daily. It's what incentivized her to join her aunt's management company, DeLaurentis Management, and work her way up the ranks, learning every component of the industry, until she eventually became a real estate agent. And it's what makes her a known, loved and trusted agent who was honored with the Rookie of the Year award in 2018.
One of the most important reasons that home buyers and sellers alike rely on Jessica is because, beyond her knowledge, integrity, sincerity and business acumen, her top priority is understanding and delivering on her clients needs. Many individuals enter the extremely overwhelming process of home buying with a dream home and no idea how to find it. Jessica's steady commitment to learning every aspect of her clients goals and her poise under pressure make the experience enjoyable and seamless. Most of all, Jessica's passion for Real Estate is surpassed only by her desire to help others, because she values the trust her clients place in her on guiding them through one of the most important decisions of their lives. She avails herself to clients at any time, ensures that the lines of communication are open and consistent , and offers patience and attentive guidance throughout the process.
When she is not with clients, Jessica enjoys practicing Bikram yoga, exploring great local restaurants and, most importantly, taking walks on Rye Beach with her four-legged Vizsla, Judge.
Closing Costs — Who Pays What?
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The parties to a real estate sale may negotiate who will pay certain closing costs. In the absence of an agreement, local custom calls for each party to pay those closing costs related to that portion of the transaction for which they are responsible.
Typically Incurred by the Seller
.75% of sale price up to $800k
1.25% of sale price above $800k
Westport, Weston, Wilton, Fairfield, Easton, Redding - .25%
Stamford - .35%
Norwalk - .50%
Realtor’s Fee — Negotiable
Attorney’s Fee — $1000 - $1500 +/-
Recording Fee (Release of existing mortgage) — $200 +/-
Real Estate Taxes — Unpaid balance
Mortgage Payoff — Unpaid balance
Typically Incurred by the Buyer
Home Inspection Fees:
General Building Inspection — $1000 +
Pool —$200 - $300 +/-
Asbestos — 350 +/-
Radon — $100 +/-
Septic — $400 - $500 +/-
Termite/Pest — $250 +/-
Origination Fees — $800 +/-
Appraisal — $400-$600
Credit Report —$24 +/-
Origination Fees — Varies based on loan type/amount
Points — Varies based on loan type/amount
Tax Escrow — Determined by lender/town
Interest Adjustment — Pro-rated interest based on actual number of days from the date of closing to the date of the first mortgage payment
Attorney's Fees — $1000-$1500 +/-
Title Search/Municipal Search — $375-$500
Title Insurance — Varies based on home price (approx. $2,500 for a $750,000 home; $3,200 for a $1,000,000 home)
Recording Fee — $200 +/-
Homeowner's Insurance — Varies depending on the property
Flood Insurance — If Applicable
The fees listed above are given only as an approximate and may vary higher or lower.