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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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Where will you find the world's most unusual golf course?
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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. |
 See More Real Estate Trivia > |
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Susi Haviland
Stark Company Realtors
702 N. High Point Rd.
Madison, WI 53717
608-576-9211
Fax: 608-836-3744
susihaviland@number1expert.com
Susi Haviland is #1 in Residential Sales - she is the 1992- 2007 Sales Associate of the Year! Susi is known for her creativity and boundless energy, and she creates a unique marketing plan for her buyers and sellers. Put Susi to work for you! Call or email her today!   
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