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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 805-428-1100.
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MY DESIRE IS TO SEE YOU HAPPY AND CONTENT WITH YOUR PURCHASE, WHETHER IT IS YOUR HOME OR YOUR INVESTMENT. NO SEARCH WILL BE TOO FAR OR TOO LONG. I WANT YOU TO FEEL COMPLETELY RIGHT ABOUT YOUR DECISION. |
Welcome! Here You Can Find Great Information on Simi Valley, Thousand Oaks and Camarillo, California Real Estate  Looking for homes? Search everything the web has to offer, right here! Don't miss my Feature Homes. Need local real estate information? I've summarized much of what is important about the Simi Valley, Thousand Oaks and Camarillo 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 mine! This site is filled with ways that you can contact me for one-on-one expert help and advice. That's my job. Contact me with confidence! I guarantee your privacy will be respected. And I offer the services on this site for free and without obligation. Why? I want to be YOUR real estate agent. As your trusted, professional real estate partner, I 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 a top Simi Valley, Thousand Oaks and Camarillo real estate agent, I have the experience and track record you are looking for. Please let me help. - Debbie Gates 
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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 |
What is the world's tallest monument?
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| A |
The stainless steel Gateway Arch in St. Louis, MO, designed by architect Eero Saarinen and costing $29 million to build, is 630 feet high. |
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