Welcome! Here You Can Find Great Information on Alpena, Presque Isle and Hubbard Lake Michigan Real Estate |
Hello, my friends call me "Margie" I hope to make you a friend too. A native of Alpena, working in the city I love because of the nice people, and the wonderful water frontage on 5 area lakes and the Thunder Bay River running through the city! The water brings birds, geese and swans that are fun to watch not to mention the swimming, boating and fishing. What an inspiration!!! The city is friendly, comfortable and it is easy to feel safe here! There are wonderful things to enjoy here as well, the Northeast Michigan Besser Museum and Village, The National Waterfront Sanctuary and Museum, Alpena Community College, the annual Michigan Brown Trout Festival, Rotary Kiddie Park, the Band Shelter on the Bay, the boat harbor for docking and fishing, Thunder Bay Arts Council, 2 wonderful live theatres and several movie houses. This is to name only a few of the many and continuous opportunities in this area. Alpena is a wonderful place to rear children with the best of schools and other activities and arts available. The experience I offer in the real estate field is over 30 years of service and Broker of Alpena's #1 Team for Sold properties from 1992-2008. This team is full time and are top producers. We have three wonderful children and 4 very, very special grandchildren. I work hard to make customers my friends by the end of the transaction. If you would like a personal resume, including professional education, sales awards, affiliations and community involvement and service please email at mhaaxma@i2k.net or call 989-356-1177 or cell phone 989-464-7209 I look forward to meeting you.  |
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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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Where would you go to enjoy a soak in the world's largest bathtub?
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The Spa Resort Hawaiians in Fukushima, Japan, offers an outdoor soaking tub that occupies a total area of 10,760 square feet and can accommodate 1,500 persons at one time. |
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