A handful of good mansion pictures I located:
Kohl Mansion
Image by davidyuweb
Kohl Mansion
www.kohl-mansion.com/kohlinfo.html
More wonderful houses click here…
Mansion Perrier Dita Von Teese
Image by cattias.photographs
Mansion Perrier Dita Von Teese
For much more houses click right here…
Question by tamburello7: What mortage company has the best and most honest closing costs?
I am in the process of purchasing a new home, erectile conventional 80/20 financing. I am trying to shop for the best rates/closing costs. I am finding it very frustrating, case even with an amazing amount of imformation out there. It seems that every company has different information about costs, including application, third-party fees, prepaids, points, etc. Plus, the charges are widely disparate. I am worried about coming to the table and being surprised by several thousands of dollars. Who is a trustworthy, good value out there?
Best answer:
Answer by E.Yvonne G
The best thing for you to do is seek the advice of a broker. Buying a home shouldn’t be that much of a hassle, and a broker already has all programs that you would need to help you buy your home quickly and effortlessly. As far as honesty is concerned, Brokers work with banks and policies are heavily regulated by the banking commission. There are fees for their services, but it is wrapped up into your mortgage so many times, there are no out of pocket expenses for you. I am a loan officer and can help you if you have additional questions. e mail me at eygriffin3000@yahoo.com
Give your answer to this question below!
I am in my area. I am a mortgage consultant at MCT Financial in Rochester, MN. Any good faith estimate is just that, an estimate. You don’t have complete knowledge of the costs until you get the bill. It is kind of like getting your car fixed. A good loan officer will be really close but there are costs outside the mortgage company (lender fees, taxes, insurance, title fees, etc.). So you will never get it to the exact dollar. There can be junk fees added that you have to look out for.
If you have any questions you can email me nkriese@yahoo.com
Wells Fargo has lost it’s mortgage license in California due to unfit practices.
Buying your first home can be the most frustrating thing you may ever do, but it’s worth it!
There is so much information and misinformation out there. It can feel like swimming down stream during salmon mating season. You’re going the right direction it’s just that every body else has another agenda.
Here are some tips to find some good terms.
1. Ask for recommendations from:
– Your REALTOR
– Your Friends
2. Talk with your bank. Many banks have discounts for their clients.
3. Ask the lender for the names and numbers of at least 3 of their clients they have helped purchase homes. If they don’t have anybody to endorse them, they may not be treating their clients well or don’t do purchases allot.
4. the most important thing during the purchase of your first home is that things go smoothly. The water may get a little rough during the ride down stream, but a good lender (not always the cheapest) will get you through the rapids safely.
5. Most lenders tend to be priced about the same. If there are big differences ask more questions. Somebody probably is using the wrong information for the quote, usually not enough days covered on your lock.
6. Comparison Shop – While looking for your mortgage you have 30 days for different lenders to pull your credit. During this time the credit pulls are not supposed to affect your score.
7. Fees – there are lender fees and 3rd party fee.
-Lender fees are what the lender charges to process the loan. These will vary from lender to lender.
-3rd Party Fees- these are fee charge by the appraiser, inspector, lawyer, title, escrow and city/county. These fees should be about the same with who ever you go with. *Note Bankers tend to over estimate, Brokers tend to under estimate.
Here are some books and web sites to help you out.
–Books–
-The NOLO Guide to buying a home – By far the best book on the market for explaining the home buying process. Note that the process for buying a home varies from state to state. The NOLO guide is written by Lawyers in an easy to understand format. The book includes check lists and sample contracts to help you understand every step of the process. Visit http://www.NOLOPress.com or your local Barnes & Noble
Rich Dad, Poor Dad by Robert Kiyosaki – A quick read which will help you build your real estate empire. Your first home is just a stepping stone to greater things.
–Websites–
-REALTOR.com -Has good information about the home buying process
-FannieMae.com -Info on Financing
-FHA.gov- U.S. Department of Housing and Urban Development
-myFICO.com – Great resource on how credit works
-Your Bank’s website will have resources to help you qualify for your mortgage.
– Credit bureaus
http://www.equifax.com
http://www.experian.com
http://www.transunion.com
In California – CalHFA.org – First Time Home Buyer Programs (FTHB)
Other states will have resources located on their state web pages under Department of Housing
~Danke Schoen
MrDankeSchoen@yahoo.com
Please give me a call 1-866-396-9300 Ext 22 or shoot me an email cmentesana@rmchomeloan.com. I am with Realty Mortgage. I would love to be able to help you.
Thanks Charles
Countrywide Home Loans seems to be the lowest in fees that I have seen in my area.
Use their retail offices and not a broker that sells to Countrywide. Brokers will add their own fees to the costs.