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For Home Buyers:
Why Buyers Choose The Hartley Team - Why homebuyers looking for a real estate agents in the Lafayette, West Lafayette and Purdue University area choose The Hartley Team. Latest Listings - Get The Hartley Team's latest Lafayette, West Lafayette and Purdue University listings of homes for sale first! Find Your Perfect Home - The Hartley Team will search for your ideal home and email you the newest Lafayette, West Lafayette and Purdue University MLS listings of properties in Lafayette County IN. First Time Homebuyers - Are you a first time homebuyer in Lafayette, West Lafayette and Purdue University, IN? Choose a top real estate agents. The Hartley Team can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Lafayette, West Lafayette and Purdue University house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find Lafayette, West Lafayette and Purdue University Homes, For Home Buyers, For Home Sellers, Lafayette, West Lafayette and Purdue University Information, Real Estate Resources, and About The Hartley Team. 
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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 area in the United States has the highest per capita income?
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| A |
The New York/New Jersey/Long Island area has a per capita income of over $750,000, according to the most current available U.S. census data. |
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