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Closing or Settlement >The Good Faith Estimate

When you buy a home, you will pay "closing costs" in addition to the down payment. These costs include the "points" you pay on your mortgage loan, title and hazard insurance, the title search, legal fees, and other charges imposed by the lender. These charges vary by state and county, but they usually represent a considerable amount of money.

Your real estate agent can tell you about the closing costs in your area. Ask your agent for some general figures when you begin your search for a new home, and use this information as a guideline. When you apply for your loan, the lender is required to provide you with a "good faith" estimate of the closing costs. The lender's good faith estimate is usually close to the actual amount, since the sales contract will have the price and terms of your new home spelled out. As the closing approaches, your real estate agent will give you a final figure for the check that you will bring to the closing table.

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Q	What trendy and highly unusual hotel must be totally rebuilt every year?
A	Sweden's popular Ice Hotel, which has 60 double rooms, 25 suites and an interior temperature of 20 degrees, starts melting to the ground in May and is rebuilt every winter.
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Carol Tangorra, REALTOR®, real estate agent and broker for Montclair, Nutley and Verona New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

Carol Tangorra
Prominent Properties Sotheby's Int'l Realty
87 Park Street
Montclair, NJ. 07042
Office Phone: 973-783-6900 X111
Cell Phone: 973-420-5650
Fax: 973-873-7161
Email: CarolTangorra@gmail.com
Carol Tangorra has been a successful Real Estate agent for more than 23 years and was formerly named Realtor of the Year by the West Essex (NJ) Board of Realtors. She was awarded lifetime membership in the NJ Association of Realtors’ Circle of Excellence for consistent sales in the multi-million dollar range. Carol has consistently ranked among the top 1% in sales of all Realtors in her board area, which includes Montclair, Nutley, Verona, Glen Ridge, Bloomfield, Essex Fells, Cedar Grove, Livingston, West Orange, South Orange, Maplewood, and the Caldwell’s. Carol’s professional credo is “The customer comes first!” “I believe that knowledge, experience, and enthusiasm are the most important qualities a Realtor can have. I look forward to sharing my expertise with each of you,” says Carol.

www.carolsellsmontclairnj.com is brought to you by Carol Tangorra
NUMBER1EXPERT™ in real estate for Montclair, Nutley and Verona, New Jersey

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