Ft. Lauderdale, Weston and Pembroke Pines real estate and homes for sale in Florida - David and Heather Sinbela, REALTORS® David and Heather Sinbela REALTORS(r) for Ft. Lauderdale, Weston and Pembroke Pines, Florida real estate - NUMBER1EXPERTS™ David and Heather Sinbela NUMBER1EXPERTS(tm) for Ft. Lauderdale, Weston and Pembroke Pines, Florida real estate
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David and Heather Sinbela, REALTOR®, real estate agents and broker for Ft. Lauderdale, Weston and Pembroke Pines Florida home listings, property and land for sale - NUMBER1EXPERT(tm)
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Real Estate Tips
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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Real Estate Trivia
Q 
What architectural detail made its way into the design of many suburban homes built in the 1950s, 60s and 70s?

A 
The picture window was a signature of the suburban American neighborhood.
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David and Heather Sinbela, REALTOR®, real estate agents and broker for Ft. Lauderdale, Weston and Pembroke Pines Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

David and Heather Sinbela
RE/MAX Partners

2 South University Dr
Plantation FL 33324
954 382-5512
Cell: 954 474-4600
Fax: 954 382-5560
david@sinbela.com

The Heather & David Sinbela Real Estate Success Team combines years of experience, a thorough understanding of the real estate market, and cutting-edge technology to provide buyers and sellers with competent advice and proven results. The Team has been a member of the elite RE/MAX international “Platinum Club” for several years. It is one of the Top teams at RE/MAX Partners, which is among the leading companies in Florida with 7 offices around Broward County, over 400 top producing agents, 6730 closed transactions and over $ 1,600,000,000 in sales in 2003. If you are planning the perfect move, just plan on asking Heather & David Sinbela and their Real Estate Success Team to help you with it. Whether it’s the sale of a home, your first home purchase, a move-up, a downsize or a relocation across the country, Heather & David Sinbela can help you. From the market preparation to make your home show well as a seller, the house search as a buyer, to the loan application and the settlement, you will be well taken care of by the experienced, well-trusted team members of the Heather & David Sinbela Real Estate Success Team. At Heather & David’s we always treat our customers as our friends. We take care of every part of the transaction as if it were our own and we always make our customers’ dream our goal. We want to be your real estate consultants for life.

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