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Read What People Are Saying About Us We always ask our clients to write or email us, and tell us truthfully how they appreciated our service to them. Their feedback is so important! Here are a few highlights of what people are saying about us...
" extremely satisfied "
" We, Pereda Homes, Inc and Beverly Perez, are extremely satisfied with the quality of care we have recieved from Mark. "
" Pereda Homes Inc. and Beverly Perez "
" Honesty"
" Honesty, Friendship, and Understanding."
" Francisco and Romonita Hernandez "
" Mark cares "
" Mark cares about his clients "
" James and Birgetta Maus "
" Thank you "
" Thank you for explaining everything to us in detail "
" Thank you Mark"
" Thank you Mark, our condominium sale proved to be a very pleasing experience."
"Jan and Erica Huet"
" The best "
" The best thing I can say about Mark is that he kept me appraised of everything. "
" Joseph Hernandez "
You have a story to tell about us. You've worked with us, and we've helped you buy or sell a home. We need your feedback. Others need your feedback, too! Please take a moment to fill out this form and tell us how we did... 
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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 |
Into what category do forty-four percent of home buying households fall?
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| A |
Forty-four percent of home-buying households are made up of married couples with dependents. |
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- NUMBER1EXPERTS™ 
