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Closing or Settlement >The Good Faith Estimate
When you buy a home, you will pay "closing costs" in addition to the down payment. These costs include the "points" you pay on your mortgage loan, title and hazard insurance, the title search, legal fees, and other charges imposed by the lender. These charges vary by state and county, but they usually represent a considerable amount of money.
Your real estate agent can tell you about the closing costs in your area. Ask your agent for some general figures when you begin your search for a new home, and use this information as a guideline. When you apply for your loan, the lender is required to provide you with a "good faith" estimate of the closing costs. The lender's good faith estimate is usually close to the actual amount, since the sales contract will have the price and terms of your new home spelled out. As the closing approaches, your real estate agent will give you a final figure for the check that you will bring to the closing table.
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Which famous home designed by Thomas Jefferson showed forms of Greek and Roman architecture?
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Monticello, begun in 1769, was later enlarged in keeping with its classical forms. |
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Tom Heyl
Keller Williams Realty
488 Springfield Ave.
Summit, NJ 07901
Office: 908-273-2991 x 116
Mobile: 973-479-1898
Fax: 908-273-2996
TomHeyl@KW.com
Tom Heyl is a “native” of Chatham Twp. and has lived in Green Village or Chatham Twp. for his entire life. Tom graduated from Chatham Twp. high school in 1985 and then went on to graduate from Rutgers University’s Cook College with a degree in economics. Tom then spent the next several years working at his family’s business, Heyl Rose’s Inc., the last remaining commercial rose and cut flower grower in New Jersey. After the family decided to sell the farm in 1999, Tom went directly into real estate. Because of Tom’s long history in and keen knowledge of the area, his realty business immediately took off. Tom has a thorough understanding and knowledge of not only Chatham Twp. and Chatham Boro, but also the surrounding towns of Summit, Madison, Harding Twp., New Providence and Long Hill Twp’s as well as the Mendham’s, Bernardsville and Morristown areas. Tom is one of the original “members” of Keller Williams of Morris, Essex, Union and Somerset Counties, joining the company in 2004 when the Summit office first opened. Tom Heyl is a full time realtor who would be more than happy to speak with you concerning any of your realty needs.   
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