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Request Our Free Relocation Package. Don't Move To Lexington, Georgetown and Nicholasville Without It!  Moving your family to another town or state is a major event in your life! We have helped many families and individuals relocate to and from the Lexington, Georgetown and Nicholasville, Kentucky area. If you will be moving to the Lexington, Georgetown and Nicholasville area, we can correspond by email and phone. Together, we'll determine what type of home, price range, and neighborhoods you are interested in. We'll send you every home or property that is currently available that matches your criteria. When you visit, we'll be ready! We will visit the Lexington, Georgetown and Nicholasville neighborhoods and homes that interest you the most. In addition, we can talk about schools, sub-divisions, local market conditions, local culture... anything that is important to you. Remember: As top Lexington, Georgetown and Nicholasville real estate agents, it's our job to know this area inside and out, and we want to make your transition as smooth as possible. To get started, fill out the form to request our FREE Lexington, Georgetown and Nicholasville, Kentucky Relocation Package. We'll send it right out. It's full of useful and important information about this area. You are under no obligation, so you can't go wrong... Are you new to the area? Request our FREE package of Lexington, Georgetown and Nicholasville relocation information. It's our job to help! There's no obligation, and we promise to respond quickly...
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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 |
What three things are necessary in order to purchase a home?
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| A |
Some cash, a dependable income and good credit. If you fall short, don't despair--homeownership may still be possible. |
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