A Good Faith Estimate is an itemized breakdown of the costs associated with obtaining a loan.  The estimate includes the closing costs needed to process and fund the loan as well as the expenses that have to be paid in advance (per diem interest on the new loan and the funds necessary to establish an escrow account). 

We recommend that you spend some time with us on the phone to review your credit qualifications, your income and your employment history (as these things will have a direct impact on your availble loan options, on the interest rate that we are able to offer you, and sometimes even on the amount of closing costs you will have to pay. However, we understand that a lot of our potential clients would prefer to "get the facts" on the figures before giving out lots of personal financial details.

Do you know someone who is in the process of purchasing or refinancing a home??

Maybe they could use a second opinion??