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"Consummate Professional"
"I would like to express my appreciation for the services rendered by Brenda Tovsen. My home search started in my second trimester of pregnancy and didn't end until my newborn was 3 months old. Needless to say, the process was long and very nerve-wracking at times, but Brenda remained the consummate professional and really helped me get through it all. She ensured time for me to view homes even when she was out of town by scheduling me with another trusted realtor (many realtors would have wanted me to work around their schedule). With a busy household and a full-time job, I have a very limited schedule but Brenda took the time to show me several homes, many times cramming 7 or 8 in one day (including Sundays and Saturday evenings). Brenda's home-buying wisdom and knowledge of the area really helped me pinpoint which homes would best suit the needs of my family. This is my second time purchasing a home and I cannot remember receiving such quality service from a realtor before. Even after we closed on our home, Brenda often followed up with me to make sure things were going well as we settled in. I think Brenda deserves recognition for outstanding customer service. I would definitely recommend her to any new home buyers in the NW Indiana area in the future."
Joyce Cunningham
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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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| Q |
What are the financial benefits of having a home near a body of water?
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| A |
The mere presence of water within 300 feet increases a home's value by 22 percent. |
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