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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 |
Over what famous building is aircraft forbidden to fly at any time?
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| A |
No aircraft is permitted to fly over the Taj Mahal in India. |
 See More Real Estate Trivia > |
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Darryl Cherniss
Cherniss Group
Keller Williams Realty
439 N. Canon Drive, Penthouse
Beverly Hills, CA 90210
Direct: 310-845-6282.
Fax: 310-432-6401
Mobile: 310-614-6106
AIM/Skype: ChernissGroup
Email: info@chernissgroup.com
Not all agents are created equal. You will see difference and results with my experience combined with my talented team of agents at the Cherniss Group. We strive in service and professionalism. We look forward to working with you.   
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