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Real Estate Tips
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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Real Estate Trivia
Q 
Where are the highest median price homes in the United States currently located?

A 
According to the NAR, the highest median price in the second quarter of 2005 was $726,900 for homes in California's San Francisco Bay area.
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Julia Corkey and Vickie Schoenfeld, REALTOR®, real estate agent and broker for Naperville, Plainfield and Lisle, Illinois home listings, property and land for sale - NUMBER1EXPERT™

Julia Corkey and Vickie Schoenfeld
"Team Elite" RE/MAX Professional Select

2272 95th St
Naperville, IL 60564
Julia Direct: 630-418-1800
Vickie Direct: 630-842-3401
Fax: 866-761-0283
Toll Free: 800-717-4107
Main: Info@HomesByTeamElite.com

Team Elite works with Buyers and Sellers in most of the Chicagoland area! We pride ourselves on being Ethical and Honest at all times, and strive for 100% in every transaction! We have gone above and beyond in research to insure our sellers have the very best marketing plan available to get their homes sold! We are Luxury Home Marketing Specialists as well as hold a Brokers License.

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