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About Tracie Patterson - Information about Tracie Patterson of Austin, Lake Travis and Lakeway, Texas Testimonials - Read what Tracie Patterson's clients are saying about the real estate marketing and services provided. Quick Response Guarantee - A quick response to your email request for more Texas home buying & property selling information is guaranteed by Tracie Patterson. Privacy Guarantee - This Austin, Lake Travis and Lakeway real estate web site will respect your privacy, guaranteed by Tracie Patterson. No Obligation Guarantee - Tracie Patterson's real estate help by email is free & without obligation for Austin, Lake Travis and Lakeway home owners in Texas. For Real Estate Agents - Let Tracie Patterson help you with your professional real estate broker and agent needs in the Austin, Lake Travis and Lakeway area. About NUMBER1EXPERTS™ - NUMBER1EXPERTS™ are top real estate professionals, find out more. Contact Information - How to contact Tracie Patterson. Go to Main Sitemap - Main sitemap sections include Find Austin, Lake Travis and Lakeway Homes, For Home Buyers, For Home Sellers, Austin, Lake Travis and Lakeway Information, Real Estate Resources, and About Tracie Patterson. |  | | | 22401 Big Horn Morning View | |
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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 is the world's most expensive Monopoly set?
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| A |
San Francisco jeweler Sidney Mobell created an exclusive $2 million Monopoly set, with solid 23 carat gold houses, chimneys made of rubies and sapphires and dice with 42 full cut diamonds for spots. |
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