For Home Buyers:
Why Buyers Choose Debbie Gates - Why homebuyers looking for a real estate agent in the Simi Valley, Thousand Oaks and Camarillo area choose Debbie Gates. Latest Listings - Get Debbie Gates' latest Simi Valley, Thousand Oaks and Camarillo listings of homes for sale first! Find Your Perfect Home - Debbie Gates will search for your ideal home and email you the newest Simi Valley, Thousand Oaks and Camarillo MLS listings of properties in Ventura County CA. First Time Homebuyers - Are you a first time homebuyer in Simi Valley, Thousand Oaks and Camarillo, CA? Choose a top real estate agent. Debbie Gates can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Simi Valley, Thousand Oaks and Camarillo house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find Simi Valley, Thousand Oaks and Camarillo Homes, For Home Buyers, For Home Sellers, Simi Valley, Thousand Oaks and Camarillo Information, Real Estate Resources, and About Debbie Gates. 
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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 |
Where will you find the world's most unusual golf course?
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| A |
The only golf course on the island of Tonga has 15 holes, and no penalty against the golfer whose golf ball is stolen by a monkey. |
 See More Real Estate Trivia > |
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