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Marin County, Tiburon, San Rafael and Novato Information:
Service Providers - Looking for Service Providers? Get info here... Moving to Marin County, Tiburon, San Rafael and Novato, California? Get info here...
About Baypoint & Spinnaker - Moving to Baypoint & Spinnaker? Get info here... Go2Tiburon - Moving to Tiburon? Get info here... Relocating? - Free real estate information & relocation package if you're relocating to Marin County, Tiburon, San Rafael and Novato, in Marin County CA. Local Maps & Links - Marin County maps & local/California web site links for news & media, TV stations, radio stations, daily Marin County newspapers, transportation, airports & bus terminals, California & local government, and more. eNewsletter - Shana Rohde-Lynch'sMarin County, Tiburon, San Rafael and Novato newsletter email will send you the latest real estate information. Today's Real Estate News - Daily real estate news for this neighborhood, California, and United States. Market Conditions Report - Market conditions report for this area, California, and United States. Real Estate Tips - Shana Rohde-Lynch's realty library of real estate tips and advice on everything from preparing your home for sale to negotiating with home buyers to escrow, closing costs, property inspections, and mortgage brokers. Real Estate Trivia - Shana Rohde-Lynch's collection of real estate trivia questions and answers that include real estate topics such as the most expensive home, largest swimming pool, and more. Real Estate Dictionary - Complete real estate dictionary and glossary of realty words you'll use when you list and sell your Marin County, Tiburon, San Rafael and Novato property in California, including legal terms definitions, and more. Go to Main Sitemap - Main sitemap sections include Find Marin County, Tiburon, San Rafael and Novato Homes, For Home Buyers, For Home Sellers, Marin County, Tiburon, San Rafael and Novato Information, Real Estate Resources, and About Shana Rohde-Lynch. 
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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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Into what category do forty-four percent of home buying households fall?
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| A |
Forty-four percent of home-buying households are made up of married couples with dependents. |
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Shana Rohde-Lynch
Frank Howard Allen Realtors
511 Sir Francis Drake Blvd.
Greenbrae, CA 94904
Phone: 415-925-3225
Fax: 415-461-5489
E-Mail: shanamarin@aol.com
shanarohde@NUMBER1EXPERT.com
DRE # 01079806
Shana Rohde-Lynch has a proven track record that no other agent in Marin County can match. Shana is coming up on 22 years with Frank Howard Allen Realtors. In 2002 Shana was inducted into the Frank Howard Allen "Hall of Fame" achieving the highest honor attainable within the company. Shana was named #1 agent for all of Marin County closing 52 transactions in 2003 and 70 transactions in 2004. A top producing agent for 2005 and 2006. 2007 was one of the more challenging years in real estate and Shana, yet again came out a star as one of the #9 Agent in the county! In 2008 and 2009 Shana was in the top ten for Frank Howard Allen. Shana's expertise and extensive experience shines through. With a full support staff working exclusively for Shana, it enables her to devote more time to her clients, providing them with the utmost in fast, efficient service, and follow through. Whether you are searching for the home of your dreams, or thinking of selling it, Shana can turn your dreams into reality!   
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