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Welcome to Reno! Nevada's Adventure Place.  Searching for a home that is just right for you? Browse everything the web has to offer, right here! Be sure to check out our Featured Homes as well. Overwhelmed with questions about the Truckee Meadows or the market? We've summarized much of what is important about the Reno, Sparks and Incline Village real estate market in this site. Looking for someone you can trust to give you expert advice? No amount of research can take the place of a superior, experienced real estate agent. This site is filled with ways that you can contact us for one-on-one expert help and honest advice. That's our commitment to you. We offer the services on this site for free, without obligation and we guarantee your privacy will be respected. Why? Because, we want to be your family real estate team that you confidently refer to your friends and loved ones. As your trusted, professional real estate partners, we will help you find the best home that meets all your needs. And together we will sell your home, for a competitive price, and as quickly as possible. Buying and selling a home is one of the biggest financial transactions in your life. As the top Northern Nevada real estate team, we have the experience and track record you are looking for. We look forward to guiding you through this market. - The David Morris Group
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 |
Where is the world's largest mud building?
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| A |
The Grand Mosque in west Africa measures 328 feet long and 131 feet wide, and has been carefully maintained for centuries by local craftsmen, especially during the rainy season. |
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