Tag Archives: EcoBroker

TheSafariGroup.com

FOR IMMEDIATE RELEASE

CHRYSTAL SAFARI ANNOUNCES THE LAUNCH OF HER NEW REAL ESTATE FIRM, THE SAFARI GROUP

May 12, 2010 (Charlotte, NC)  Chrystal Safari, real estate broker and principal, announced today the launch of The Safari Group, a local, homegrown real estate firm, specializing in all phases of the residential and small business real estate market, including New Construction, Finance, Marketing, Objection Handling, Relocation, Technology, Foreclosures, Short Sales, and Luxury Homes.

The Safari Group consults on all aspects of real estate ownership from acquisition to liquidation, portfolio development, and property management.  As an internationally recognized Certified EcoBroker®, Chrystal offers guidelines to assist home buyers and sellers in evaluating true green features and their benefits to real property value, home ownership, tax savings and mortgage closing table capital contributions.  Chrystal is backed by certified and insured professionals to assess and protect your energy utilizing investments based upon your personal needs.

Seasoned homeowners Rick and Scherel Fisher shared, “Chrystal’s suggested listing price had us a showing and an offer within hours of the house being listed.  We had no trouble getting an adequate appraisal for the house and added on closing costs.  She helped us get to closing with difficult buyers with bad credit that we could have never managed on our own.  We highly recommend her real estate services.”

About Chrystal Safari:

Chrystal Safari has over 16 years experience in personal property management and residential real estate sales and is a licensed REALTOR® in North and South Carolina.  As a MASTERS Designation holder, she is a specialist in New Construction, Finance, Marketing, Objection Handling, Relocation, Technology, and is a multi-million dollar producer.  Chrystal is a member in good standing of the Charlotte Regional Association of REALTORS®, North Carolina Association of REALTORS®, and National Association of REALTORS®.

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Contact:

Chrystal Safari
The Safari Group
PO Box 1192
Pineville, NC 28134
704.562.1030
http://www.ChrystalSafari.com

How Good is Your Good Faith Estimate?

RESPA_LogoThe Real Estate Settlement Procedures Act, known as RESPA, requires mortgage lenders and brokers to provide a good faith estimate to customers outlining a list of fees and costs associated with obtaining a mortgage within three business days of applying for a loan. RESPA outlaws kickbacks that increase the cost of settlement services. RESPA is a HUD consumer protection statute designed to help home buyers be better shoppers in the home loan buying process, and is enforced by HUD.

A move has been made to make the Good Faith Estimate a standard form which Comparing-Mortgage-Santa-Ro1makes it easier for buyers to compare different brokers’ and lenders’ quotes and charges associated with closing the transaction.

The closing or settlement costs are the mortgage fees associated with the purchase and closing on a property and should include every expense associated with a mortgage loan, including title insurance, taxes, inspections, and other charges required to close the loan.

A good Good Faith Estimate should be fully itemized and include fees which fall into six basic categories:

• Loan fees, including loan origination fees which should not exceed 2%, appraisal, credit report, etc.

• Fees to be paid in advance, such as interest on the loan

• Reserves the lender requires to be escrowed, such as 1 – 3 months homeowner’s insurance and 1 – 3 months pro-rated real property tax if those items are escrowed with the monthly mortgage

• Title charges, such as attorney fees and title insurance

• Government charges, such as recordation fees

• Additional charges, such as survey, home inspection, wood destroying organism inspection, and home warranty are usually provided by your REALTOR® and may not be reflected on the Good Faith Estimate originated by your lender representative.

The Good Faith Estimate also includes information that is not an estimate, but states facts such as the type of loan applied for, such as VA, FHA or Conventional; proposed mortgage payment including escrowed amounts, if any; total loan amount; down payment; seller paid closing costs or agent rebates; and interest rate.

The Good Faith Estimate is only an estimate. Though it’s not uncommon for buyers to wait in the bank parking lot before closing for final figures from the attorney’s office, the final closing costs can easily be calculated by an astute real estate broker to assure your peace of mind in the final days prior to closing.

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chrystal (2)As an accomplished real estate broker, Chrystal Safari has earned the internationally recognized EcoBroker® Certification which allows her to better serve your wants, desires, and motivations to bring added benefits to your every real estate transaction. As your Preferred Real Estate Broker, she provides a new level of service in addition to already full-service standard real estate offerings. As one of only 35 certified EcoBrokers® in the Charlotte Metro area, she offers guidelines to assist home buyers and sellers in evaluating true green features and their benefits to real property value, home ownership, tax savings and mortgage closing table capital contributions. After over 25 years of dedication to stream and undeveloped land clean up, storm drain marking, and as an avid whole house recycler, Chrystal finds it very fulfilling and exciting to have mastered this program to become one of a select few certified EcoBrokers® in our market! Call her to add the Environmental, Energy, and Green Market Advantage in your next transaction.

EcoBrokers add Environmental, Energy, and Green Market Advantage to your transactions

As an accomplished certification holder of the internationally recognized EcoBroker® Designation, I can bring added benefits to your real estate transactions based upon your wants, desires, and motivations.

As your Preferred Real Estate Broker, I provide a new level of service in addition to my already full-service standard real estate offerings.

As one of only 35 certified EcoBrokers® in the Charlotte Metro area, I offer guidelines to assist home buyers and sellers in evaluating true green features and their benefits to real property value, home ownership, tax savings and mortgage closing table capital contributions.

After over 25 years of dedication to stream and undeveloped land clean up, storm drain marking, and as an avid whole house recycler, it’s very fulfilling and exciting to have mastered this program to become one of a select few certified EcoBrokers® in our market!

Call me to add the Environmental, Energy, and Green Market Advantage in your next transaction.

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Chrystal Safari has over 15 years experience in personal property management and residential real estate sales and is a Luxury Home Specialist and licensed REALTOR® in North and South Carolina.  As a MASTERS Designation holder, she is a specialist in New Construction, Finance, Marketing, Objection Handling, Relocation, Technology, and is a multi-million dollar producer.  Chrystal is a member in good standing of the Charlotte Regional Association of REALTORS®, North Carolina Association of REALTORS®, and National Association of REALTORS®.  As EcoBroker®, she offers guidelines to assist home buyers and sellers in evaluating true green features and their benefits to real property value, home ownership, tax savings and mortgage closing table capital contributions and is backed by certified and insured professionals to assess and protect your investments based upon your personal needs.