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Welcome to North San Diego County Coastal’s most comprehensive Real Estate resource. Check out: "Real Estate Tides"&"What is Going On In The Market?"
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There are always important changes happening in the real estate market, locally and nationally. These changes can affect YOU.
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We had the added challenge living in Italy
Christie and Ric worked so hard and have such incredible professional demeanor at all times that the whole process was actually fun.
Isabella and Scott B, Italy
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Check Out Our Affiliates! Whether buying or selling a home you are likely to need the services of a variety of local businesses to help with your transaction? Lenders, Escrow, Title, Decorators, etc. As top local Realtors we know lots of good folks both in the real estate profession to other help you may need! You can contact anyone presented here with confidence.  
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 is considered the oldest surviving non-native building in the U.S.?
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| A |
The governor's palace in Sante Fe, New Mexico, built in 1609, was constructed with materials and methods adapted from the native Indians.
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