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For Home Buyers:
Why Buyers Choose Jerry Pilgrim - Why homebuyers looking for a real estate agent in the York, Shrewsbury and Dover area choose Jerry Pilgrim. Latest Listings - Get Jerry Pilgrim's latest York, Shrewsbury and Dover listings of homes for sale first! Find Your Perfect Home - Jerry Pilgrim will search for your ideal home and email you the newest York, Shrewsbury and Dover MLS listings of properties in York County PA. First Time Homebuyers - Are you a first time homebuyer in York, Shrewsbury and Dover, PA? Choose a top real estate agent. Jerry Pilgrim can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your York, Shrewsbury and Dover house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find York, Shrewsbury and Dover Homes, For Home Buyers, For Home Sellers, York, Shrewsbury and Dover Information, Real Estate Resources, and About Jerry Pilgrim. 
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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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| Q |
What little-known folk remedy is said to help keep bats away from your home?
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| A |
According to some rural homeowners, if you tar and feather a two-by-four board and place it in your yard, it will ward off bats! |
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