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For Realtors: Naples, North Naples and Bonita Springs Florida home buying, real estate listings, and homes for sale in Collier County, FL

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You can trust us with your important referrals. We have a great track record of success as top producers. We have the experience you are looking for. Plus we are very web-savvy REALTORSŽ, which is important to the majority of homeowners today. Why send a referral to anyone other than the best? This only reflects positively on you.

As you well know, top real estate agents also have a higher closing ratio. You'll have a better chance of making a sale when you send your referrals to us.

Grow your business by using proven, top agents. Your clients will be happy and this will lead to even more referrals for you, and at the same time you'll enjoy a greater percentage of your referrals turning into sales. Think about it.

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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 is the most populous state in the United States?
A	California, with 35.9 million people.
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The Mara Muller Team, REALTORŽ, real estate agents and broker for Naples, North Naples and Bonita Springs Florida home listings, property and land for sale - NUMBER1EXPERT(tm)

Mara & Michael Muller, Realtors
Premier Properties of Southwest Florida, Inc.
Across from The Ritz-Carlton
325 Vanderbilt Beach Road
Naples, Florida 34108
Mara's Cell: 1-239-272-6170
Office: 1-239-594-9494
Email: Mara@MaraSellsNaples.com
The Mullers have raised their family and worked in Naples since 1996. As a Realtor in Naples, Mara became a record-setting Rookie of the Year in 2002. In addition to writing the monthly column "Real Estate for Real People" for the magazine, Neapolitan Family, she is a Certified Residential Specialist (CRS, a designation earned by fewer than 4% of Realtors nationwide), an Accredited Buyer's Representative (ABR), and e-Pro agent. Michael Muller worked the first 10 years of his career in relationship management for the Commerzbank and Banque Nationale de Paris in Europe. In 1996 Michael, Mara and their oldest daughter moved from The Netherlands to Naples, where for six years Michael was a private banking officer and lender at Northern Trust and a VP Consulting for a Florida-based Investment Advisory firm. For the past two years the Mullers have been honored by the Naples Chapter of the Womens Council of REALTORSŽ with the Top Producer Awards General Real Estate Sales!

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