Cary, Raleigh and Apex real estate and homes for sale in North Carolina, new construction, executive homes - Kelly Cobb, REALTOR® Kelly Cobb REALTOR(r) for Cary, Raleigh and Apex, North Carolina real estate, new construction, executive homes - NUMBER1EXPERT™ Kelly Cobb NUMBER1EXPERT(tm) for Cary, Raleigh and Apex, North Carolina real estate, new construction, executive homes

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Kelly Cobb, REALTOR®, real estate agent and broker for Cary, Raleigh and Apex North Carolina home listings, property and land for sale - NUMBER1EXPERT(tm)

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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 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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Call Kelly today at
1-800-567-2279 OR
919-859-8889
for your FREE copy
of "What You Need to Know 6-12 Months
Before Selling
Your Home!"


Call Kelly direct at
919-818-3450 for
your FREE copy of
an invaluable 34-page book, "Homebuyer's Toolkit, Ten Steps to Choosing and Purchasing Your Home."



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Kelly Cobb, REALTOR®, real estate agent and broker for Cary, Raleigh and Apex North Carolina home listings, property and land for sale - NUMBER1EXPERT(tm)

Kelly Cobb
Fonville Morisey, A Long & Foster Company

523 Keisler Drive, Suite 103
Cary, NC 27518
Office: 919-859-8889
Toll Free: 800-567-2279
Mobile: 919-818-3450
Fax: 919-859-3339
Email: kellycobb@relo-expert.com

Kelly began her real estate career in 1984. A native of Smithfield, North Carolina and a graduate of both Meredith College and Appalachian State University, she is a former teacher and volunteer coordinator. Kelly was featured in the September 2001 issue of REALTOR® Magazine's "Top 100 Residential Salespeople" nationwide. Kelly is the #1 agent with Fonville Morisey (a Long & Foster Company), a prominent local 850 agent firm, and has been #1 agent every year for eight consecutive years! Kelly lists, sells and negotiates for her clients. Her vast experience also enables her to find just the right property for you, and buyers for the home you need to sell.

ABR CRS Equal Housing GRI MLS REALTOR SRES wcr


Fonville Morisey real estate and homes for sale in Cary, Raleigh and Apex North CarolinaFonville Morisey real estate and homes for sale in Cary, Raleigh and Apex North Carolina

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