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7820 Sudley Road
Manassas, VA 20109
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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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Legend has it that when Brigham Young first saw this city in 1847, he exclaimed: "This is the place!"
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Salt Lake City, Utah. |
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Jonathan and Michelle Thoburn
Keller Williams Realty
7820 Sudley Rd.
Manassas, VA 20109
Cell Phone: 571-332-3842
Voicemail: 540-212-3693
Fax: 571-222-8286
jonathanthoburn@NUMBER1EXPERT.com
Jonathan and Michelle Thoburn with Keller Williams Realty were both born and raised in Northern Virginia which gives them that intimate base of knowledge of the area that is so important to buyers. That grasp of the region coupled with their low pressure approach is why this husband and wife team are among the top Realtors in the area. Click on the "Click to Call" icon above to speak to them now!   
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