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Vicki Waldron's Team, REALTOR®, real estate agents and broker for Tyler Texas home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
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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Real Estate Trivia
Q 
Where would you go if you wished to stay in the world's most expensive hotel room?

A 
The Imperial Suite at the President Wilson Hotel in Geneva, Switzerland, which can be reserved for $33,000 per night.
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Vicki Waldron's Team, REALTOR®, real estate agents and broker for Tyler Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Vicki Waldron's Team
Cornerstone Brokerage

2104 Grande Blvd. Suite 100
Tyler, TX. 75703
Office: 903-581-4141
Home: 903-581-1208
Fax: 903-581-4001
Email: vicki@vickiwaldron.com

As one of America's #1 Real Estate Experts™ in the Tyler area, Vicki Waldron is well equipped to guide you through all your real estate needs. Just call or email her!

CRSEqual HousingGRIMLSREALTOR


Cornerstone Brokerage real estate and homes for sale in Tyler Texas

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