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Welcome to The Kelly Holmquist Team'sChester, Long Valley and Mt. Olive Real Estate Website

Welcome! Here You Can Find Great Information on Chester, Long Valley, Mt. Olive and Independence, New Jersey Real Estate

Looking for homes? Search everything the web has to offer, right here! Don't miss our Feature Homes.

Need local real estate information? We've summarized much of what is important about the Chester, Long Valley, Mt. Olive and Independence real estate market in this site.

Need expert advice? No web site, large or small, can take the place of a top real estate agent. Not even ours! This site is filled with ways that you can contact us for one-on-one expert help and advice. That's our job.

Contact us with confidence! We guarantee your privacy will be respected. And we offer the services on this site for free and without obligation. Why? We want to be YOUR real estate agents. As your trusted, professional real estate partners, we will help you find the best home in your area within your price range. And together we will sell your home, for as much as the market will bear, and as quickly as possible.

Buying and selling a home is one of the biggest events in your life. As top Chester, Long Valley, Mt. Olive and Independence real estate agents, we have the experience and track record you are looking for. Please let us help.

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School Reports in Chester, Long Valley and Mt. Olive, New Jersey

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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	Who is "Fannie Mae" and why is she a big name in real estate?
A	"Fannie Mae" is the real estate industry nickname for FNMA, or Federal National Mortgage Association, the stockholder-owned corporation that purchases mortgages from mortgage lenders.
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The Kelly Holmquist Team, REALTOR®, real estate agent and broker for Chester, Long Valley and Mt. Olive, New Jersey home listings, property and land for sale - NUMBER1EXPERT(tm)

The Kelly Holmquist Team
Coldwell Banker Residential Brokerage
191 Main Street
Chester, NJ 07930
908-879-3357
Fax: 908-879-8262
KellyHolmquist@NUMBER1EXPERT.com

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