Geneva, St. Charles, and Batavia Illinois real estate listings, home buying, selling and relocation information

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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	Where is the world's largest dome?
A	The Louisiana Superdome, with a diameter of 680 feet, is located in New Orleans, Louisiana.
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Ken Ward, REALTOR®, real estate agent and broker for Geneva, St. Charles, and Batavia Illinois home listings, property and land for sale - NUMBER1EXPERT(tm)

Ken Ward and the Ward Team
RE/MAX Excels
1772 S. Randall Rd.
Geneva, IL 60134
630-262-4380
Toll-Free: 888-919-WARD(9273)
630-262-WARD(9273)
Fax: 877-491-4087
email: info@wardteam.com
RE/MAX Excels…Because. . .Results mean more than Promises! We have built a reputation for client satisfaction, and we are devoted to making your move as easy as possible. You will have the added benefit of working with a team that understands your needs when buying, selling, or relocating. Finding the right home is only the beginning. We will assist you every step of the way to ensure smooth sailing. Thank you for visiting out site. Please bookmark it, and visit it often. We look forward to hearing from you.

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