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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 |
Why is the Terra Amata site in Nice, France famous?
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| A |
Remains of 21 huts found in 1965 are thought to be the oldest known habitation from the Acheulian culture 400,000 years ago.
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 See More Real Estate Trivia > |
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Bradley E. Arnowitz PA, RPS, CLHMS
1355 Real Estate Associates, Inc.
Formally, Re/Max Beach Properties
1000 East Hallandale Beach Blvd.
Hallandale Beach, FL 33009
24/7: 305.776.6113
Brad@ArnowitzProperties.com
ClientCare@ArnowitzProperties.com
Doug@ArnowitzProperties.com
Re/Max Hall of Fame - Top Residential Team, Florida
Founder, The Institute for Luxury Home Marketing
Renowned Property Specialist
Certified Luxury Home Markeing Specialist
REO-BPO Certified
Voted "Best Local Realtor" Miami Sun Times
Miami Beach Area Council Chair, Realtor Association of Miami & The Beaches   
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