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  • Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Gary Lambert Jr., a proven Mobile County and Baldwin County, Alabama NUMBER1EXPERT™ Top Selling real estate agent.

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  • Mobile County and Baldwin County Information - Find local information on Mobile County and Baldwin County, Alabama including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Gary Lambert Jr., a proven NUMBER1EXPERT™ Top Selling real estate agent.

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Real Estate Tips
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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Real Estate Trivia
Q 
What economic factor can make the purchase of a home an excellent long-term investment?

A 
Home price appreciation can result in a substantial return on the buyer's investment as a house increases in value over time.
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Gary Lambert Jr., REALTOR®, real estate agent and broker for Mobile County and Baldwin County, Alabama home listings, property and land for sale - NUMBER1EXPERT(tm)

Gary Lambert, Jr.
Lambert Properties, LLC

1103 North Hickory St. Ste.C
Loxley, AL 36551
Direct: (251)709-3134
Office: (251)605-3085
Fax: (251)964-8448
garylambert@NUMBER1EXPERT.com

Welcome, I am Gary Lambert, Jr. with Lambert Properties, LLC. I am America's NUMBER 1 EXPERT for Baldwin and Mobile Counties, including Daphne, Spanish Fort, Fairhope, Montrose, Loxley, Robertsdale, Summerdale, Silverhill, Foley, Bay Minette and Mobile specializing in Residential, Commercial, New Construction, Waterfront, Investment Real Estate and Land Development.

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