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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 |
What are three of the best indicators of real estate market trends?
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| A |
Existing home sales, new home building and mortgage interest rates.
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Steve Peroff - Sales Representative
Keller Williams Realty Centres
21 Metro Rd. S.
Keswick L4P 1V7
Direct line: 905-476-3131
Toll Free: 1-877-895-5972
Direct Fax: 905-476-7242
Email: info@realestatekeswick.com
Steve is a full-time Real Estate professional and a full-time resident of Keswick. Born and raised in Toronto, he was educated at Ryerson Polytechnical Institute in Business Administration and for many years in the school of "hard knocks" in Toronto's theatre community. As a Theatre Administrator, Steve had the fortunate opportunity of working with many high profile companies, entertainers and related service industries. It is through these experiences that Steve has created a successful real estate business. He credits a strong organizational background, marketing and advertising acumen and strong interpersonal skills with helping him attain the stature of Georgina's #1 Sales Representative (Toronto Real Estate Board 2010 MLS statistics).   
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