Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Elizabeth Winterbottom, a proven Millburn, Short Hills, Summit and Maplewood, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Find Millburn, Short Hills, Summit and Maplewood Homes - Find Millburn, Short Hills, Summit and Maplewood, New Jersey real estate listings & homes for sale provided by Elizabeth Winterbottom, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Elizabeth Winterbottom, a proven Millburn, Short Hills, Summit and Maplewood, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Elizabeth Winterbottom, a proven Millburn, Short Hills, Summit and Maplewood, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. Millburn, Short Hills, Summit and Maplewood Information - Find local information on Millburn, Short Hills, Summit and Maplewood, New Jersey including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Elizabeth Winterbottom, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Elizabeth Winterbottom, a proven Millburn, Short Hills, Summit and Maplewood, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. About Elizabeth Winterbottom - Information about Elizabeth Winterbottom including testimonials, guarantees, credentials, and contact information. Learn why Elizabeth Winterbottom is a proven Millburn, Short Hills, Summit and Maplewood, New Jersey NUMBER1EXPERT™ Top Selling real estate agent. 
Please Sign Up For The Latest Listings and the Latest Real Estate News
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.
|
| Q |
What area in the United States has the highest per capita income?
|
| A |
The New York/New Jersey/Long Island area has a per capita income of over $750,000, according to the most current available U.S. census data. |
 See More Real Estate Trivia > |
|
NUMBER1EXPERT®
© Best Image Marketing and/or its clients.
All rights reserved. All information deemed reliable but not guaranteed.
|
- NUMBER1EXPERT™ 
