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Here are few photos of the gorgeous scenery, just a short distance from my front door. I love to jump in the car or on my bike and take a spontaneous road trip to a beautiful area. Waterfalls, Crater Lake, the ocean, or wide open country create a wonderful ending to a busy week. I hope you enjoy these.
Old Farm House
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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.
Patie Millen Royce Real Estate Services 145 East Main Street Ashland, OR 97520 Phone : 541-301-3435 EFax: 503-210-7899 patie@ashlandoregon.com
Call us. We are always happy to answer your questions. Or email us and let us know the type of property you would like to find. We are experts in Southern Oregon and it is our privlege to assist you.
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