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"David was great to work with on the purchasing of our home...."We would recommend his services to anyone who needs to purchase a home in the area."
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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 |
How many step are there leading to the top of the Eiffel Tower in Paris, France?
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| A |
Visitors who walk to the top must go up 1,792 steps. |
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The David Lopez Real Estate Group
Coldwell Banker Premier Real Estate
790 Price St.
Pismo Beach, CA 93449
Office: 805-440-8306
Fax: 866-278-0933
davidlopez@NUMBER1EXPERT.com
The David Lopez Real Estate Group are "Your California Central Coast Real Estate Experts". David Lopez has been a Central Coast Resident and Business Professional for over 26yrs, and he and his team are committed to providing their clients with Premier Customer Service, Meeting their Expectations....then Exceeding Them! David's personal commitment to excellence shows in everything he does from his vast engineering and construction background, as well as his extensive educational accomplishments, Bachelor of Science in Engineering Technology from California Polytechnic State University, his Masters of Science in Systems Management from USC and holding the highest real estate designations achievable in the industry, CRS(Certified Residential Specialisted), SRES (Seniors Real Estate Specialist), e-Pro (Internet Professional), and ABR (Accredited Buyers Representative). Davids clients can rest assured they are working with a true professional and expert in his field. David and his team use the latest in technology to provide their clients with Up-To-The-Minute Market Updates and Market Analysis Tools, placing them in the strongest negotiating position possible. David commits over a month a year attending seminars & training sessions in order to stay at the top of his field and best serve his clients needs.     
 
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