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• About Randy Sumbles - Information about Randy Sumbles of Little Rock, North Little Rock, Bryant and Maumelle, Arkansas

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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. See All Tips In The "First Time Buyers" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What economic factor can make the purchase of a home an excellent long-term investment? A  Home price appreciation can result in a substantial return on the buyer's investment as a house increases in value over time. See More Real Estate Trivia >

Randy Sumbles Keller Williams 1514 Market Drive, #B100 Little Rock AR, 72211 Phone: 501-960-4111 Fax: 501-907-5958 Email: TheSumblesTeam@kw.com WE MAKE IT EASY!!! www.thesumblesteam.com is brought to you by Randy Sumbles NUMBER1EXPERT™ in real estate for Little Rock, North Little Rock, Bryant and Maumelle, Arkansas Read The Sumbles Team's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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