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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 mortgage transactions between borrowers and lending institutions operate in the private sector of the economy?
A	Conventional mortgages are private sector transactions that are not insured or guaranteed by the government.
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Jerry Gooze, REALTOR®, real estate agent and broker for West Hills, Woodland Hills and Chatsworth California home listings, property and land for sale - NUMBER1EXPERT(tm)

Jerry Gooze
Pinnacle Estate Properties, Inc.
9137 Reseda Blvd.
Northridge, CA. 91324
Direct: 818 534-4567
Office: 818 999-3599
Pager: 818 617-7100
Fax: 818 534-4565
Email: jpgooze@aol.com
Jerry Gooze was designated by Los Angeles Magazine as the "L.A. Super Agent 2005". He is also a Master's Club Hall of Fame Member for Century 21. Jerry Gooze has over 27 years of experience serving the San Fernando Valley-Los Angeles as a top producer.

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