There is a federal law that requires mortgage lenders to give prospective buyers an itemized, "good-faith" estimate of their closing costs. Sometimes buyers arrive at the closing with this document in hand and proceed to question each item on the final closing statement that does not match the estimate exactly.

These "good-faith" estimates are just that--estimates. The lender's charges will be fairly accurate, but the charges for attorneys, termite inspections, title insurance, and other items that appear on the closing sheet may vary from the estimate. Some pro-rated items, such as taxes or homeowner's association fees, will also be different if you don't close on the date that was used to calculate the estimate. The purpose of the disclosure law is to give you a ball park figure of your closing costs. But the estimate you are given won't be to the penny--probably not even to the dollar!

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Sherry (Zellars) Brower & Phil Brower
Realteam Real Estate Center
296 W Sunset Ave.
Coeur d'Alene, ID. 83815
Direct Line to Phil: 509-993-3644
Home office Phone: 509-892-1086
Fax: 509 279-0559
Sherry's cell : 208-661-0191
Email: phil@lakecityteam.com
Email: sherry@lakecityteam.com

SHERRY is a 17 yr Realtor who is the administrator. She works behind the scenes. Phil IS ONLY ONE CALL OR E-MAIL AWAY FROM HELPING YOU FIND THE RIGHT PROPERTY!! WHETHER IT'S A SMALL COTTAGE, A BRAND NEW HOME, A LUXURY WATERFRONT ESTATE, 5 ACRES OF RAW LAND, OR A DUPLEX, he is constantly previewing all newly listed properties. When you hire us (at no extra charge to you) we will give you our full attention starting with, LISTENING to your NEEDS & DESIRES, e-mailing you lots of PROPERTY PHOTOS to review privately, recommending experienced lenders with the BEST LOANS, suggesting favorite ACCOMODATIONS for your visit, showing you YOUR CHOICE of properties, negotiating for your BEST INTERESTS, recommending INSPECTORS who have a critical eye, TITLE Companies to expedite the paperwork, & recommending CONTRACTORS to make the property your own. We specialize in helping you make your next move the best you've ever had!! Representing a dedication to his profession, Phil is a candidate of the Certified Residential Specialist designation. Phil would love to talk to you about your real estate needs and get you started toward owning property in North Idaho, so call him today!

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