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School Reports in Lake Conroe, Bentwater and Montgomery County, Texas

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Schools in Lake Conroe, Bentwater and Montgomery County

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	Where is the world's oldest hotel?
A	The Hotel Ryokan in the village of Awazu, Japan dates back to AD 717, when an inn was built near a hot spring reported to have miraculous healing properties.
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Kathy Barth, REALTOR®, real estate agent and broker for Lake Conroe, Montgomery County and Conroe Texas home listings, property and land for sale - NUMBER1EXPERT(tm)

Kathy Barth
Texas Home Group Realtors
20920 Kuykendahl Rd. Ste E
Spring, Texas 77379
Office: 281-350-8000
Cell: 936-537-4450
Fax: 936-597-4552
Email: Kathy@KathyBarth.com
KathyBarth@consolidated.net
I am committed to bringing you the best results possible to fit your real estate needs. My vast array of experiences, including world travel, entrepreneurial ventures and experience as a licensed Realtor® in this industry helps you, the buyer or seller, achieve results and avoid pitfalls that can happen so easily in transactions. I can make the process a little easier for you in every way. Your first step is choosing the right Realtor and I am that Realtor. I enjoy building personal relationships which last a lifetime. I serve the Lake Conroe and Montgomery areas. TEXAS HOME GROUP,Realtors® are the best safety net you can have when purchasing or selling a property or home. I strive to get you Top dollar when selling your home, and I work hard to find the right home for the buyer. I firmly believe in advanced education due to the faster paced and more complex process of home buying and selling today. This is evident thru my designation of ABR (Accredited Buyers Representative) and CRS (Certified Residential Specialist).Nobody in the world sells more real estate than TEXAS HOME GROUP,Realtors. My core constituency is all about families and I will help you find your dream home.

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