Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Susi Haviland, a proven Madison, Wisconsin NUMBER1EXPERT™ Top Selling real estate agent.
Find Madison Homes - Find Madison, Wisconsin real estate listings & homes for sale provided by Susi Haviland, your local expert real estate agent.
For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Susi Haviland, a proven Madison, Wisconsin NUMBER1EXPERT™ Top Selling real estate agent.
For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Susi Haviland, a proven Madison, Wisconsin NUMBER1EXPERT™ Top Selling real estate agent.
Madison Information - Find local information on Madison, Wisconsin including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Susi Haviland, a proven NUMBER1EXPERT™ Top Selling real estate agent.
Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Susi Haviland, a proven Madison, Wisconsin NUMBER1EXPERT™ Top Selling real estate agent.
About Susi Haviland - Information about Susi Haviland including testimonials, guarantees, credentials, and contact information. Learn why Susi Haviland is a proven Madison, Wisconsin NUMBER1EXPERT™ Top Selling real estate agent.

Please Sign Up For The Latest Listings and the Latest Real Estate News
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.
|
| 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. |
See More Real Estate Trivia > |
|

|
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!   
Read Susi Haviland's
Privacy Guarantee,
Terms of Service,
and
Free & Without Obligation Pledge
|
NUMBER1EXPERT®
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.
|