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Buying and selling a home is one of the biggest events in your life. As top Blackhawk, Danville and Alamo REALTORSŽ, we have the experience and track record you are looking for. Please let us help.

- The Franich Team

Real Estate Tips

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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Real Estate Trivia

Q	What house is considered to be the first house with running water in America?
A	John Headly's home built in Newport, RI in 1723, was equipped with an underground pipe from the nearby spring.
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The Franich Team, REALTORŽ, real estate agent and broker for Blackhawk, Danville, San Ramon and Alamo, California home listings, property and land for sale

The Franich Team
RE/MAX Accord
313 Sycamore Valley Rd., West
Danville, CA. 94526
Direct: 925-736-1664
Cell: 925-330-2773
Fax: 925-886-8587
Email: Judi@JudiFranich.com

As preeminent real estate professionals in our community, we are dedicated to providing the finest service available while breaking new ground and setting new standards through the use of Internet marketing. Because the real estate industry is becoming more sophisticated and challenging every day, you need a professional that understands the industry and is positioned to stay ahead of the game. We can offer top contract negotiation skills and can save you thousands of dollars in buying and/or selling a home. Most important, we listen to your needs!

CRS ePro Equal Housing GRI MLS REALTOR

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