Gorham, Windham, and South Portland Maine real estate listings, home buying, selling and relocation information

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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 famous person said this? "Real Estate is the best investment in the world because it is the only thing they're not making anymore!"
A	Will Rogers, who began his career as a rope-throwing cowboy and later became a famous stage and film star.
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Paul and Jan Willis, REALTOR®, real estate agents and broker for Gorham, Windham, and South Portland Maine home listings, property and land for sale - NUMBER1EXPERT(tm)

Paul and Jan Willis
Willis Real Estate
347E Main St.
Gorham, ME. 04038
Phone: 207-839-3390
Fax: 207-221-1919
Email: paulandjan@NUMBER1EXPERT.com
Paul and Jan Willis bring a combined 44 years of real estate experience in the Greater Portland market. Paul began in 1976, opened his own office in 1982, and has been a top producer ever since. In 1994 the Willis's company was the National Award Winner for Customer Satisfaction for a National Real Estate franchise. Paul and Jan, along with their team, strive to provide personalized expertise with regard to every aspect of the real estate process. Since teamwork is the key to success in any aspect of life, they work together to bring their clients the winning results they desire and deserve.

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