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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	Where will you find the world's most unusual golf course?
A	The only golf course on the island of Tonga has 15 holes, and no penalty against the golfer whose golf ball is stolen by a monkey.
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Toril Sells Houses Team, REALTORŽ, real estate agents and broker for Lake Tapps, Pierce County and King County Washington home listings, property and land for sale - NUMBER1EXPERT(tm)

Toril Sells Houses Team
ERA Premier Realty Associates
16202 64th St. E, Suite B1
Sumner, WA 98390
Phone #: 253-826-7508
Fax #: 866-743-3484
Email: torilschoepfer@NUMBER1EXPERT.com
Toril is a partner in ERA Premier Realty Associates. She has helped ERA Premier Realty Associates grow so that today it is the #1 ERA Company with in the state of Washington. The opportunity to be self employed and share common business goals with her fellow real estate agents, and her husband, has motivated her to become the areas top producing realtor within the ERA network of offices in Washington, since the year 2000. Since joining ERA in 1997, Toril has been able to increase her productivity and service to her clients, by hiring a full time licensed client care manager and buyer specialist and by embracing the technologically advanced products of ERA. With the professional tools and services available from ERA, her endless energy and sincere concern for her clients, Toril has been honored many times on a national level. Toril truly loves the business of real estate, and is very proud of the hundreds of satisfied clients that she has helped fulfill their housing dreams.

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