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"Patti is a wonderful listener, a savvy businesswoman and a faithful friend."
Patricia St. John and Bob Cavin
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Patti Cohn is one of The Top Selling Real Estate Experts™
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From My Affiliates: Marin County, Mill Valley and Kentfield California home buying, real estate listings, and homes for sale in Marin County, CA

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CWC Financial - Our top priority is 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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Q	What does the term Curb Appeal mean?
A	This term describes how homes look from the street; this first impression is very important to prospective homebuyers.
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CWC Financial - Our top priority is you.
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Patti Cohn, REALTOR®, real estate agent and broker for Marin County, Mill Valley and Kentfield California home listings, property and land for sale - NUMBER1EXPERT(tm)

Patti Cohn
Frank Howard Allen Realtors
511 Sir Francis Drake Blvd.
Greenbrae, CA. 94904
415-925-3285
415-722-4842
Fax: 415-461-5215
patti@bestmarinagent.com
BestMarinAgent.com
Guidemehome2Marin.com

After 20 years and 500 escrows... there are no surprises.

Having served over 500 Marin County clients, I understand what it takes for you to win in this market and know that buying and selling a home can be one of the biggest events in your lifetime. It can be an emotional roller coaster with peak emotions arising during the process. We celebrate that while creating a stable, professional environment and we take pride in our clients’ feeling of security knowing they have been well-served and their interests always come first.
I’ve put together a team of professionals who share my commitment to your absolute satisfaction which allows me to devote more time to you. Ultimately, you’ll be convinced that we listened to you, that you got the best price possible and had a smooth, seamless process. You can count on us for fast and efficient customer service, follow-through and responsiveness.
Integrating a corporate background in marketing and public relations with Fortune 500 companies, an M.B.A. degree and 20 years experience in the Marin real estate market, I will implement a proven Eight Tier Marketing system that consistently gets my clients more money for their properties in less time than the average agent.
Year after year, ranked in the top 1% of agents nationwide with the top broker in Marin, I offer a 100% service guarantee – you deserve professional, honest and ethical service. I’ll work with you at your pace – I listen and do my homework and you are the boss! I’m just a phone call or email away – no obligation.

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NUMBER1EXPERT™ for Marin County real estate CA, Mill Valley real estate and Kentfield real estate, California, waterfront properties

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