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Take a look at The Scott Ingraham BLOG and read about all the latest Bay and Walton County Real Estate.
“Since I’ve been in Panama City over the past 31 years, [I’ve] seen the highs and lows of our real estate market,” said Scott Ingraham of Scott Ingraham Real Estate Group in Panama City Beach. “[But] nothing could have prepared us for [market events of] 2004, 2005 and now 2006.”more....
How much are you spending on your commute to work? Whether moving,
considering a new job, weighing the benefits of tele-commuting, or just curious
what you're spending given the current cost of gas, you'll probably be interested to
see how expensive simply getting to work actually is.
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.
Cory Herrman, VP/Mortgage Banker Coastal Community Mortgage specializes in finding the right loan for each borrower. Find Out More > View All Affiliates >
Scott Ingraham Real Estate Group 9722 D Front Beach Road Panama City Beach, FL 32407 850-249-7355 Toll Free: 888-836-8551 Fax: 850-249-2427 Email: Scott@ScottIngraham.com
With over 27 years of local business and Real Estate experience, the best is what we give you! Everything you need to know about buying or selling primary homes, vacation homes, residential lots, condominiums and waterfront properties can be found here on my Web site!
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