 HERB BALDWIN, RealtorŪ Associate with RE/MAX Genesis, is a highly motivated, full-time professional dedicated to serving his clients needs with integrity. With over 30 years experience in the customer service field, Herb understands what his clients needs are. Because Herb understands that referrals and repeat business are the key to continued success, he is dedicated to providing the highest quality of service to his clients. As a Certified "e-Pro" Realtor, Herb provides "THE MAXIMUM ADVANTAGE" to his clients through his effective use of the technologies available today including internet marketing, computer client/prospect databases (to match buyers with sellers), voicemail, cell phone, Hotline telephone services, Talking House programs and other technologies. These technologies afford you, as Herbs' client the most efficient and effective means of finding properties and/or getting your property marketed quickly and sold for the price you want! Herb is always reachable - So important in today's real estate market where good properties move fast. HERB IS MARRIED TO KATHY (for 32 years now), with whom he built his own log home just 12 years ago and has two grown children and 3 grandchildren. Contact Herb now and get the quality service you deserve!
Please Sign Up For The
Latest Listings and the Latest Real Estate News
 |
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.
|
|
| Q |
Which metropolitan area in America currently offers the most affordable market in which to buy new homes?
|
| A |
The housing market in Youngstown, Warren and Boardman, Ohio is currently the most affordable metro area in the U.S. |
 See More Real Estate Trivia > |
|
|
|
- NUMBER1EXPERT™ 
