refinance transfer tax

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I live in charles county and im refinancing after buying almost 2 years ago. My bank is telling me i may have to pay a transfer tax of ~$3100. Is this correct?

I have an investment property in PG county and am trying to refinance it. However, someone told me that PG county charges property transfer tax even for refinancing (not new buy). Does the state charge transfer tax too? how about other counties like Montgomery and Howard? Thanks for anwsering
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Answer #1

Thank you for your inquiry! There very well may be a transfer tax that will apply. Much of it will depend on the specific type of refi you are performing. My suggestion would be to check with a local title company or settlement attorney for verification. You may also want to check with the title company that handled your settlement 2 years ago. It’s important to note, however, that most lenders/banks tend to over-estimate the anticipated charges these days due to regulatory concerns. The feds now hold mortgage comapnies responsible for under-estimates even on items they do not have any contropl over, such as transfer taxes. Sign of the times….

Best of luck and feel free to call me to compare rate offerings.

Stu Hall
BB&T Mortgage
NMLS #137009
301.526.8612
sahall@bbandt.com

Answered By: Stuart Hall Level Rating

10points

Answer #2

My friend Stu Hall’s suggetion to check with a title company is a great idea. He is also correct that lenders often over estimate the closing costs. You pay transfer taxes (actually they are recordation taxes on a refinance) only on new money in Maryland on your primary residence. If you currently owe $100,000 and your new refinanced mortgage is $105,000, you will only pay taxes on the $5,000 difference between your old loan and the new one. In Charles County, the tax rate is $10 per $1000 of new money. Your recordation taxes would only be $50 in this scenario. There are other closing costs associated with refinancing which might be lumped into the $3100 number you are inquiring about. Appraisal, credit report, underwriting, processing, title examination, settlement agent fees, and recording fees would also be charged amoung other potential items. $3100 might include your total closing costs rather than just your recordation taxes. Please let us know if we can share any further information or give you a competitive quote of refinancing. Rates have improved today from yesterday.

Eric Strasser
301.517.5434
NMLSR# 111971

Answered By: Eric Strasser Level Rating

42points

Answer #3

Eric is right. We ALWAYS over disclose just in case because we are liable for items like transfer taxes even though it’s not up to us. Anyway the only thing that would matter on this is if it’s an investment property or second home. Is that the case? Give us the loan amount currently and the new loan amount and we can ballpark it for you. Or it may be the loan officer is not familiar with MD recordation taxes? If you have a GFE then we can take a look also and see if it all makes sense as well. Hope this helps and have a Happy New Year.

Thanks,
Brent Mendelson
Monarch Mortgage
240-403-1970
bmendelson@monarchmtg.com
nmlsr#111407

Answered By: Level Rating

97points

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