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Welcome > Resources > Mortgage Info ...

Very few real estate transactions occur without a mortgage being involved. This is an area in which education is crucial. Knowledge here can save you thousands of dollars and maximize your spending power. To this end it is my pleasure to offer a number of reports here. Feel free to click on any or all topics that interest you: 

  If you are considering purchasing a home, please read the below articles to understand the mortgage process so that when the time is right, you are aware of everything that you will need as well as what will take place during the loan process of your mortgage.

Mortgage Primer 

Financing Your Home 

Refinancing and Home Equity Options 

10 Ways to Stop Identity Theft Cold 

Obtain Loan Approval 

Organize You Documents 

Getting Your Finances In Order 

Your Credit History 

It's my job to know EVERYTHING about real estate! Ask me anything. There are no dumb questions! It's FREE, and I promise to get back to you quickly... 

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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.

See All Tips In The "First Time Buyers" Category >
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Real Estate Trivia
Q 
What little-known folk remedy is said to help keep bats away from your home?

A 
According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats!
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Brenda Wade, REALTOR®, real estate agent and broker for Brandon, Valrico and LithiaFlorida home listings, property and land for sale - NUMBER1EXPERT(tm)

Brenda Wade
Signature Realty Associates

2234 LIthia Center Lane
Valrico, FL. 33596
Phone: 813-655-5333
Fax: 813-315-1989
Cell: 813-924-8677
Email: brendawade@NUMBER1EXPERT.com

Excellence in Real Estate and emphasis on Customer Service! This is why Brenda is the #1 agent in the Greater Brandon, Valrico, and Fish Hawk Areas. Much of Brenda's business comes from repeat clientele and referrals from satisfied customers. People simply know that Brenda will always get the job done right.

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