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All agents are NOT alike! Find out why we are top real estate experts. Call us: 207-795-9633.
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Gina Letourneau
is one of The Top Selling Real Estate Experts™
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THE GINA TEAM welcomes you to
Auburn, Lewiston, Poland and Central Maine!  Lewiston/Auburn is a wonderful centrally located area with easy access to the best Maine has to offer including skiing, snowmobiling, beaches, hiking trails and so much more! As your professional real estate partners, THE GINA TEAM will use our knowledge of the area to help you find the best home in the area of your choice within your price range and together we will sell your current home for as much as the market will bear, as quickly as possible. Buying or selling a home is one of the biggest events in your life. THE GINA TEAM looks forward to providing all the information you need to help you navigate today's changing real estate market. As top Central Maine real estate agents, we have the experience and professionalism to help you meet your housing goals with the personal touch that keeps our clients returning for all their real estate needs. You can get started right here. On this site you can view all our current property listings in the "Feature Homes" section under the "Find Homes" tab. You can also view all the homes listed in the area by choosing the "Search All Local Listings" selection. Feel free to e-mail or call us anytime to tap into our knowledge or get expert advice on all your real estate needs. We respect your privacy and will not share your information. We look forward to helping you with all your real estate needs!
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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 |
What land did the U.S. Government buy for $7.2 million?
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| A |
The U.S. bought all of Russian America (Alaska) from the Russian Czar in March 1867. |
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