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"...Connie made the experience easy."
"We had the privilege of working with connie to not only sell our old home, but buy our dream home. Although the buying/selling process is usually one of stress, paperwork and good bit of anxiety - Connie made the experience easy. She is extremly accommodating to your timelines, does thorough and timely research, provides excellent advice and ultimately worked very hard for us. With some agents you feel that you should only follow their recommendations, but Connie is an excellent listener and took the time to understand our needs. Connie is also very responsive, able to answer our questions very quickly and with impressive availability. In the end, we are thrilled with the experience we had and would recomment her to anyone.
"E. & A. Nash"
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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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- NUMBER1EXPERT™ 
