Chesterfield, Saint Charles and West St. Louis Missouri real estate listings, home buying, selling and relocation information

Linda And Jim Make An Excellent Team!
It was really nice to have people as knowledgeable as they are on our side.
Gail and Josh Groboski
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Closing or Settlement >The Good Faith Estimate

When you buy a home, you will pay "closing costs" in addition to the down payment. These costs include the "points" you pay on your mortgage loan, title and hazard insurance, the title search, legal fees, and other charges imposed by the lender. These charges vary by state and county, but they usually represent a considerable amount of money.

Your real estate agent can tell you about the closing costs in your area. Ask your agent for some general figures when you begin your search for a new home, and use this information as a guideline. When you apply for your loan, the lender is required to provide you with a "good faith" estimate of the closing costs. The lender's good faith estimate is usually close to the actual amount, since the sales contract will have the price and terms of your new home spelled out. As the closing approaches, your real estate agent will give you a final figure for the check that you will bring to the closing table.

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Q	What does the common acronym FSBO (pronounced fizzbo) stand for?
A	For Sale By Owner. (Between 85 to 95% of existing homes are sold with a Realtor's help.)
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Jim & Linda Graves Arnold, REALTOR®, real estate agents and broker for Chesterfield, Saint Charles and West St. Louis Missouri home listings, property and land for sale - NUMBER1EXPERT(tm)

Jim Arnold & Linda Graves Arnold
Coldwell Banker Gundaker
285 Clarkson Road
Chesterfield, Missouri, 63017
Linda's cell: 314-422-2762
Jim's cell: 636-448-8443
Fax: 636-532-3279
Office: 636-391-1122
Email: Linda@LindaandJim.com
The real estate team of Jim and Linda Graves Arnold provides buyer and seller services in all areas of St. Louis and St. Charles County with a focused emphasis on the Highway 70 and 40/64 corridor from Highway 270 to Wentzville. Their partnership is designed to meet the expectations of technology savvy buyers and sellers in ways no one else offers.

Jim and Linda are ranked in the top 1% of agents in the Number 1 Home Selling company in St. Louis – Coldwell Banker Gundaker. They are certified relocation specialists who have worked with some of the largest corporations in the country. Jim and Linda qualify annually for membership in the elite international Coldwell Banker President’s Circle. Professional designations include ABR (Accredited Buyers Representative); CRS (Certified Residential Specialist), a designation held by only 5% of all Realtors in the country; GRI (Graduate, REALTOR Institute), this includes over 90 hours of course study and exams; e-PRO (certified internet professional) and RRES (Residential Real Estate Specialist). Linda is also a MRE (Master of Real Estate.)

Jim and Linda have been President’s Award recipients for excellence in customer service three times. They offer “First Class Service” and are committed to excellence.

JimAndLindaRealEstate.com is brought to you by Jim & Linda Graves Arnold
NUMBER1EXPERTS™ in real estate for Chesterfield, Saint Charles and West St. Louis, Missouri, St. Louis

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