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"A model of how the Internet can facilitate the process of deciding where to send your children to school" - America's Best School Profiles by The Heritage Foundation North Carolina Public, Private and Charter Schools: Compare them using these top-rated, comprehensive reports.   Schools in Raleigh, Cary, Apex and Holly Springs

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. See All Tips In The "Closing or Settlement" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  Which law allows a person to give another individual up to $10,000 a year without any tax consequences? A  The Federal Gift Tax Law allows both parents to give a child (or anyone) $10,000 each in one year. See More Real Estate Trivia >

Brian Wray Wray Realty - Wray Enterprises Inc. 7121 Oak Village Way Fuquay Varina, NC 27526 Phone: 919-880-4188 Fax: 866-921-0107 Kristen Buckley: Assistant Brian's Email: bwray@wrayenterprises.com Kristen's Email: kbuckley@wrayenterprises.com 3.4% Full Service Listings and Buyers Cash Back Program!! We believe in giving back to our clients. We feel this is the right way to do business. Our 3.4% Full Service Sellers Program and Buyers Cash Back Program have been a great hit with our clients. We feel like you deserve to keep more of your equity in your pocket and get some CASH back when you buy a house with us as well. There is no need to look any further. We will take care of everything for you. Full Service at 1/2 the price. What more could you want? www.Triangle-NC.com is brought to you by Wray Realty NUMBER1EXPERT™ in real estate for Raleigh, Cary, Apex and Holly Springs, North Carolina Read Wray Realty's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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