Industry Update: New GFE and HUD-1 Forms are coming. Coldwell Banker Mortgage can make the transition easier for you and your customers!
New GFE and HUD-1 Forms Are Coming
Effective for loan applications taken as of January 1, 2010, all lenders are required to issue the new government-mandated Good Faith Estimate (GFE). Closing agents must use the new HUD-1 Settlement Statement when the new GFE is used.
We are well-prepared for this change so we can help make the transition easier for you and your customers. To give you a head start, here is a quick summary of what to expect come January:
The new 3-page GFE groups closing costs into standard categories to help customers to compare estimates to the actual costs listed in the HUD-1
The new GFE doesn’t specify precisely how much money customers need at closing because it excludes some fees and credits. Also, the GFE can only be issued when your customer has chosen a property.
When your customers contact Coldwell Banker Mortgage for a pre-approval decision, we’ll give them an informative Estimated Funds Needed for Closing summary to let them know how much they will need—even if they have not selected a property.
Your local Mortgage Advisor can provide you with additional information and guidance. As always, we will continue to work hard to ensure that you and your customers enjoy a smooth and easy closing.
Holiday Greetings from Coldwell Banker Mortgage.
The entire team at Coldwell Banker Mortgage wishes you and your family Happy Holidays and a healthy and prosperous New Year. We appreciate the opportunity to serve the home financing needs of your customers, and we look forward to working with you in 2010. As always, we’ll give your customers a free, same-day loan decision, guaranteed—or we’ll pay them $250. We work hard to give them a smooth and easy mortgage experience, and we’ll take the time to help them select the loan that’s right for their needs.
Ask your customers to contact your local Coldwell Banker Mortgage Advisor or call 866-CB-LOANS (866-225-6267) for a free, same-day loan decision—guaranteed!
In case you missed it earlier this week, catch Jim Gillespie on Fox Business News. Jim met with Liz Claman on Countdown to the Final Bell, where he discussed the state of the housing industry.
Tucked away in Blue Pine Village. Great location and this home offers many upgrades some of the kitchen upgrades tumbled-stone countertops,New appliances in the kitchen include Fridge,Stove,Dishwasher.Custom landscaping and beautiful stone-faced fireplace. This home offers a privacy fenced backyard and sprinkler sys & well. Master BR has private door to patio and large walk-in closet. Dining room offers custom sliding glass door to the back to the patio. Guest bath has a cheerful leaded-glass window. All ceiling fans in the home are new ,Roof replaced within the last 5 years, New windows just installed,Vinyl siding covers exterior walls offering low maintenance. $8,000 First time Homebuyer US TAX CREDIT!
Room Type
Lvl
Dimnsns
LivingRoom
1
20×13
Design:
Ranch
DiningArea
1
12×13
Kitchen
1
8×10
Const/Siding:
Siding Vinyl, Roof Dimensional Shingle
Bedrm:Master
1
12×14
Bedrm:Additnl
1
11×11
ExtFeatures:
Fenced Privacy, Lawn Pump, Patio Open, Sprinkler System
Bedrooms: 3 Baths Full/Half: 2/ County: SANTA ROSA Stories: 1 MainArea: 10 North Santa Rosa County YearBuilt: 1977
SubArea: 1001 – Milton OccStat: Vacant
Subdiv: METES & BOUNDS ImmOcc? Y
ParcelID: 16-2N-26-0000-00139-0000 ConstrStat: Construction Complete
ElemSch: East Milton Middle: King High: Milton
Dir: From 85 and 90 in Crestview Head West for 18 miles property will be on your left. Just six miles West of the Holt I-10 Exit on 90.
Legal: S16T2NR26W
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11 Acre property goes to the trees in the back of the lot. This 3 bedroom 2 bath has had some updates which include the roof that has been replaced in the last five years as well as the air conditioner unit. As you come in the front door you will notice the all brick fireplace above the new tiled floor that has been put in. Laminate hardwood floors have been installed in the last couple years in the large open eat in kitchen. Walk out the french doors to the back of your property to see this land is ready for your horses, fenced and crossfenced. Tack room includes washer and dryer and large storage area. Electric is ran to illuminate the paddock area. The yard has producing fruit trees and pecan trees.
Foreclosure Bank Owned brick front vinyl siding two story home.This 3 bed 2 bath offers an open floor plan this home features include: 10ft ceilings, ceiling fans, electric fireplace, mini-blinds,granite countertops, ceramic tile, 2 car garage with electric garage door – plus many other features. No Assessment fees or new buyer fees. “This property is approved for HomePath Mortgage and HomePath Renovation Mortgage. Please contact listing agent for more information.”
From Highway 85, WEST ON PJ ADAMS PKY., SOUTH ON EGAN DRIVE.
Legal:
LOT 77 BLOCK B ANTIOCH EST. PHASE II
ALL BRICK HOME HAS THE POPULAR SPLIT BEDROOM FLOOR PLAN, MASTER SUITE WITH DOUBLE VANITY SINK, GARDEN TUB, SEPERATE SHOWER/TOILET AREA AND WALK-IN CLOSET. HOME IS ALL ELECTRIC, LAUNDRY ROOM LOCATED INSIDE, FORMAL DINING ROOM, WOODEN BLINDS AND A 2 CAR GARAGE WITH OPENER PLUS WOODEN DECK FOR RELAXING/ENTERTAINING. KITCHEN HAS BAY WINDOW TO CATCH THE VIEW AND LOTS OF CABINET SPACE. BUS ROUTE EXTREMELY CLOSE FOR SCHOOL AGED CHILDREN. OWNER WILL PAINT PINK BEDROOM AND YELLOW BATHROOM IF PREFFERED A NEUTRAL COLOR, HOME IS LOCATED ON A CUL-DE-SAC.
ParkingSpaces:
Garage:2
Lot Dim.:
90X135
LotAcc:
City Road, Near Interstate Exit, Paved Road
WatFrnt:
PrkingFeat:
Acres:
0.28
Zoning:
Residential Single Family
WatView:
WFFeet:
LotFeat:
Covenants, Easements, Interior
ProjFacil:
Room Type
Lvl
Dimnsns
Family
1
16″6X17
Design:
Contemporary
DiningRoom
1
12X11″6
Kitchen
1
13″4X9″6
Const/Siding:
Foundation Slab On Grade, Roof Composite Shingle, Siding Brick All, Trim Vinyl
Hwy 85 to PJ Adams, cross over I-10 bridge and make first LEFT onto Egan, the first RIGHT, then very next LEFT onto Denise, home on the right.
Legal:
ANTIOCH EST III LOT 17 BLK C
Tired of toys scattered about your living room? Then be sure to put this home at the top of your list. This home is move in ready and has a terrific floor plan for a growing family. Enjoy peace and quiet in your first floor master suite with luxurious master bath. It’s like stepping into your very own spa. While the children enjoy spreading their toys about the extra large loft upstairs. Spend evenings next to the fireplace and mornings preparing omelets in this great eat in kitchen. This house is picture perfect from the tile entry to the large fenced back yard.Floor plan is exceptional,Enjoy privacy in downstairs master bedroom with luxurious bath and double walk in closets.Additional bedrooms downstairs provide space for office, guests, etc…2 bedrooms loft and bath upstairs make great retreat for small children or teens! Great room features cozy one fireplace and hardwood floors.Kitchen is cheerful and sports some stainless appliances, breakfast bar, and beautiful cabinets. Formal dining room allows you to entertain in style or with your family.Double garage has pull down stairs with floored storage area.Walls are pretty decorator colors and carpet is in great shape. Located ideally in Antioch Estates south of I-10 close to all conveniences.
Information herein is approximate and not exact.
ParkingSpaces:
Garage:2 Driveway:4
Lot Dim.:
140 X 80
LotAcc:
Paved Road
WatFrnt:
PrkingFeat:
Acres:
0.26
Zoning:
Residential Single Family
WatView:
WFFeet:
LotFeat:
ProjFacil:
Room Type
Lvl
Dimnsns
Bedrm:Master
1
17.8 X 15.6
Design:
Contemporary
Bath: Master
1
10.8 X 7.2
GreatRoom
1
22.10 X 16.4
Const/Siding:
Foundation Slab On Grade, Siding Brick Some, Siding Vinyl, Trim Vinyl, Roof Dimensional Shingle
All information in this listing, including but not limited to square footage, room dimensions and lot size is approximate and not exact. Buyers are expected to verify any specific information prior to signing any contract. Neither the Emerald Coast Association of Realtors nor any Realtor is liable for any inaccuracies herein.Copyright: 2009 by the Emerald Coast Association of Realtors Free instant access, see all properties for sale at www.NorthwestFloridaRealtor.com
Prepared by BRANDON JORDAN of COLDWELL BANKER UNITED REALTORS-CVIEW
#500784 – 716 DENISE DR, CRESTVIEW, FL
Large Kitchen with tons of cabinets
Kitchen
Kitchen
Kitchen Eating Area
Dining Room
Cozy Living Room with fireplace
1st Floor Master Bedroom
Huge Master Bedroom…even with a Kings size bed, there is plenty of space left over
Hwy 85 N to Hwy 90 West. After first stoplight turn on Llyod Street and go a few blocks to Ridge Crest Subdivision. Turn left on Song Bird, then left again. Home is on your left hand side.
Legal:
RIDGE CREST PH II LOT 12 BLK C
What a great deal! 3 bed 2 bath close to town with over 1300 sq ft with a large yard and is ready for a family today. The home is located in a wonderful family oriented subdivision and sits on close to the end of cabana which ends into a cul-de-sac for privacy. Also, there are covenants to protect your investment.The kitchen has a breakfast bar that overlooks the great room ,This home also has a split floor plan and the master bedroom has a large walk in closet.This is a short sale and home will be sold as is. With some TLC this could be a doll house.195 Cabana Way now under contract short sale now under contract
Tucked away in Blue Pine Village. Great location and this home offers many upgrades some of the kitchen upgrades tumbled-stone countertops,New appliances in the kitchen include Fridge,Stove,Dishwasher.Custom landscaping and beautiful stone-faced fireplace. This home offers a privacy fenced backyard and sprinkler sys & well. Master BR has private door to patio and large walk-in closet. Dining room offers custom sliding glass door to the back to the patio. Guest bath has a cheerful leaded-glass window. All ceiling fans in the home are new ,Roof replaced within the last 5 years, New windows just installed,Vinyl siding covers exterior walls offering low maintenance. $8,000 First time Homebuyer US TAX CREDIT!
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