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"Heather was so knowledgeable..."
"Heather was so knowledgeable and went above and beyond by getting several estimates for work that needed to be done and handling inspections that we couldn't attend. Plus, everyone that she recommended - inspectors, contractors, movers...all turned out to be fantastic! it was overall a great experience and we would absolutely recommend Heather and the team to anyone! Thank you Heather! You're the best!
Kim & Vince, Zionsville
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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 country of the world has the highest percentage of private housing?
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| A |
Mongolia, where 100% of all properties are owner-occupied. |
 See More Real Estate Trivia > |
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*Mortgage: Cardinal Financial Company
Confidential mortgage pre-qualification: Cardinal will refund your appraisal fee, up to $300, on any conventional, owner occupied properties.
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