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First Time Buyers >Good Faith Estimates
Several years ago the U.S. Congress tried to protect consumers from a few unscrupulous lenders by requiring all lenders to calculate and disclose the annual percentage rate (APR) you pay on your mortgage loan. But most homebuyers will learn more by directing their attention to the Good Faith Estimate of Settlement Costs (GFE). Although Congress meant well, in practice the APR is not helpful and may be confusing.
If you are looking for a good way to understand your costs of borrowing and/or to compare one lender's costs to another, the GFE is your best bet. Get your lender(s) to provide a written GFE before you commit your mortgage business. When reviewing a GFE, keep in mind that the lender actually controls only a certain portion of the disclosed costs. Other parties typically control costs of appraisal, settlement, title insurance, recording fees and taxes, survey, and the "prepaid" expenses of homeowner's insurance, mortgage insurance, real estate taxes, etc. Review these origination fees, discount points, etc. and you will have the ability to understand the full costs of your proposed mortgage loan.
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| Q |
In what real estate market are more than 90 percent of home sales cash transactions?
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| A |
Palm Beach, home to princes, politicians, and CEOs, has homes from 2,000 sq.ft. condos to 56,000 sq.ft. estates. |
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Mark Cole and the Cole Team
Realty World Executive Group
414 Old Hard Road Suite 200
Orange Park, FL 32003
904-707-2287
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markcole1@NUMBER1EXPERT.com
Integrity, skill, care and diligence is what sets us apart from the crowd. Buying or selling a home is more than a sign, magazine ad or an internet posting. It takes knowledge and hard work to fulfill our customers needs. My success is that I personally care for every need of my customers. I am not happy until you, my customer are happy. My team works as hard as I do because I demand it. I will always make your needs my needs. Call today for a free consultation of you and your families home needs. Discover why "The Right Agent Makes All The Difference In The World"   
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