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All agents are NOT alike! Find out why I am a top real estate expert. My office phone is toll free for your convenience: (800) 656-5334
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Buyers Want Your Home for as Little as Possible.
Are you thinking of selling your home? You should know exactly what it's worth before making such an important decision.
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 Compare three mortgages at one time.
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Kristian Peter is one of The Top
Selling Real Estate Experts™
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Find Out About the Latest Chula Vista, Otay Ranch, Eastlake, Rolling Hills, and Rancho Del Rey Area Homes for Sale Before Anyone Else! I add my newest homes and other real estate listings to this web site first. It can be some time before they appear in the San Diego area MLS, and even later on the national listings web sites, if at all. By signing up to receive my latest listings, I'll send you an email notice instantly -- as soon as my latest homes for sale go online. You'll find out first, before other buyers - thus giving you a huge advantage over the competition. There is absolutely no obligation, and this service is free of charge. Don't miss out! Get an email as soon as my new properties come on the market! There's no obligation, and why not find out the latest properties for sale before your competition does. Just fill out this form to get started... 
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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.
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| Q |
What did 75% of 10,000 buyers surveyed by the NAR list as their top reasons for selecting a Real Estate Professional?
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| A |
Knowledge of the housing market, knowledge of real estate practices and financing, and familiarity with neighborhoods. |
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- NUMBER1EXPERT™ 
