Palos Verdes real estate CA, Redondo Beach real estate and Rolling Hills Estates real estate, home listings and homes for sale in California, luxury and oceanview properties - Larissa, REALTOR® Larissa Rubijevsky REALTOR(r) for Palos Verdes, Redondo Beach and Rolling Hills Estates, California real estate, luxury and oceanview properties - NUMBER1EXPERT™ Larissa Rubijevsky NUMBER1EXPERT(tm) for Palos Verdes, Redondo Beach and Rolling Hills Estates, California real estate, luxury and oceanview properties
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Larissa Rubijevsky, REALTOR®, real estate agent   for Palos Verdes, Redondo Beach and Rolling Hills Estates California home listings, property and land for sale - NUMBER1EXPERT(tm)






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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.

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Real Estate Trivia
Q 
What oceanfront area is currently the most popular choice among people searching for second homes and vacation homes?

A 
According to statistic published early in 2005, the Florida coast is the most sought-after vacation and retirement destination in the United States.
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Larissa Rubijevsky, REALTOR®, real estate agent   for Palos Verdes, Redondo Beach and Rolling Hills Estates California home listings, property and land for sale - NUMBER1EXPERT(tm)

Larissa
RE/MAX Palos Verdes Realty

450 Silver Spur Rd
Rolling Hills Estates, CA. 90274
Phone: 310-387-1414
Fax: 310-265-8757
Email: larissa@NUMBER1EXPERT.com

Let the Champion work for you! Being a former professional athlete I know better than anyone else what discipline, focus and dedication mean in order to get best results. I find it fulfilling and rewarding to help people with one of their most important possessions or purchases...their home. I have a money/time/hassle-saving mentality and I'm always looking out for my client's best interest. I save my clients thousands of dollars by bringing my expertise, negotiating power and experience to the table. If you are not completely satisfied and happy with my services, I'll give my comission back to you!!

Equal HousingMLSREALTOR


RE/MAX Palos Verdes Realty real estate and homes for sale in Palos Verdes, Redondo Beach and Rolling Hills Estates California

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