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Randy Podolsky

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My Dependability, Diligence, and Commitment to you will make for an exceptional Real Estate experience! Top Agent Coldwell Banker:858-245-9400



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"Your dedication during the most challenging economic climate in a generation..." "I thank you for your commitment, perserverance and loyalty."

Sincerely,Bruce Zipf
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"You are a man of your word which is rare to find"

Sincerely,Dan and Chris Castillero
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Real Estate Tips
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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Real Estate Trivia
Q 
What is a "smart home"?

A 
A "smart home" is equipped with structured home wiring packages that control the home's systems via networked technologies.
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Randy Podolsky, REALTOR®, real estate agent and broker for Rancho Santa Fe, CA, Del Mar, CA and San Diego, California home listings, property and land for sale - NUMBER1EXPERT

Randy Podolsky
Coldwell Banker

6015 Paseo Delicias
Rancho Sante Fe, CA 92067
858-245-9400
Fax: 858-759-0116
randypodolsky@NUMBER1EXPERT.com


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