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For Home Buyers:
Why Buyers Choose Christine Serwe - Why homebuyers looking for a real estate agent in the Durango, The Ranch and RiverGate Lofts area choose Christine Serwe. Latest Listings - Get Christine Serwe's latest Durango, The Ranch and RiverGate Lofts listings of homes for sale first! Find Your Perfect Home - Christine Serwe will search for your ideal home and email you the newest Durango, The Ranch and RiverGate Lofts MLS listings of properties in La Plata County CO. First Time Homebuyers - Are you a first time homebuyer in Durango, The Ranch and RiverGate Lofts, CO? Choose a top real estate agent. Christine Serwe can guide your home buying search. Mortgage Prequalification - Pre-qualify for a mortgage or loan for your Durango, The Ranch and RiverGate Lofts house or other real estate or property. Go to Main Sitemap - Main sitemap sections include Find Durango, The Ranch and RiverGate Lofts Homes, For Home Buyers, For Home Sellers, Durango, The Ranch and RiverGate Lofts Information, Real Estate Resources, and About Christine Serwe. 
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Closing or Settlement >Estimated Closing Costs
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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