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Nevada County Real Estate Magazine featuring Nevada City Homes, Grass Valley Listings, Nevada County property, & Penn Valley Land. Also Includes Nevada County real estate listings in Alta Sierra, Lake of the Pines, Lake Wildwood, Cedar Ridge & Cascade Shores. Full color Photo's of Nevada County Real Estate Listings. 

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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
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Where is the world's tallest apartment block?

A 
The 100-story John Hancock Center in Chicago, Illinois is 1,127 feet high; floors 44 through 92 are residential.
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Kurt Congdon, REALTOR®, real estate agent and broker for Nevada City, Grass Valley and Penn Valley, California home listings, property and land for sale - NUMBER1EXPERT™

Kurt Congdon
Coldwell Banker Grass Roots Realty

855 Sutton Way
Grass Valley, CA 95945
Toll Free: 800-471-4570
Office: 530-273-0073
Fax: 530-274-3300
Email: Kurt@KurtCongdon.com

DISCOVER YOUR DREAMS in Nevada City real estate or Grass Valley real estate. Kurt will guide you through the process of understanding the purchasing of rural property such as Penn Valley land, Nevada City Acres & Grass Valley homes. His love and enthusiasm for Nevada City and Grass Valley are genuine. With over 10 years experience, and honors in the top 5% of all agents nationwide...Kurt will provide both exceptional personal service and HI-TECH communications. The Nevada County area offers extraordinary natural beauty, rare communities, arts, entertainment, and the highest quality of living. Let Kurt help you DISCOVER YOUR DREAMS in the Sierra Nevada Gold Country towns of Grass Valley, Nevada City and Penn Valley. DRE License #'s Kurt Congdon - 01076146, Jason Moore - 01391772, Pam Moore- 01876117

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