Breckenridge real estate, Frisco and Summit County, Colorado real estate, resort homes, condos, townhomes and land for sale

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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	Which home is considered the ultimate in California craftsman-style architecture?
A	Located in Pasadena, the Gamble House, built in 1908 by Charles and Henry Greene, is a National Historic Home open to visitors.
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Susan Gunnin, REALTOR®, real estate agent and broker for Breckenridge, Frisco and Summit County, Colorado home listings, property and land for sale - NUMBER1EXPERT(tm)

Susan Gunnin
RE/MAX Properties of the Summit
220 S. Main Street; P.O. Box 4600
Breckenridge, CO. 80424
Toll Free: 1-800-289-7005 Ext. 341
Local: 970-389-0182
Denver Direct: 1-303-278-7000
Cell: 1-970-389-0182
Fax: 1-970-453-7364
Email: breck4sale@NUMBER1EXPERT.com
Susan is a top producer specializing in the ski resort town of Breckenridge, as well as the surrounding area. Susan specializes in mountain homes, ski condos, investment properties and vacant land; she provides old-fashioned service with state-of-the-art technology to help you any way she can. With over ten years of experience with buying, selling, and developing real estate, Susan's clients have come to expect the best. Representing both buyers and sellers, and giving all clients an indepth consultation on all aspects of the the real estate transaction, Susan is your BEST choice in real estate. Call or email her today!

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