Ben & Carole have the pleasure of working with the most qualified team members in Monterey County. Chosen because of their extensive knowledge and their commitment to high ethical standards and exceptional service when representing your interests, the Heinrich Team will instill trust and professionalism with every real estate purchase and sale. Michael (Mike) Gilson is a licensed California Realtor living and working in Big Sur, CA. He is the founder of Big Sur Bakery & Restaurant, sits on the Big Sur Affordable Housing Subcommittee, and has been involved in the purchase and sale of numerous properties in Central California over the last decade. He recently joined The Heinrich Team at Coldwell Banker Del Monte Realty, and looks forward to representing The Heinrich Team with the professional integrity it is so well known for in Monterey County. 
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 Kristi has been working and serving the real estate community since 1990. She attended De Anza College from 1988 to 1992 where she studied business. In 1992 she earned her California real estate agents license. Kristi’s real estate career includes being the administrative assistant to a top-producing real estate broker, a property manager and a loan officer. She took a break in 2004 to relocate and focus her talents on building and finishing their custom home in the heart of Carmel-by-the-Sea where she resides with her husband and two children. After completion of this dream project, she was recruited to re-organize and manage the Church of the Wayfarer through a crisis period. Once the objectives were attained, Kristi returned to her passion of real estate and joined the Heinrich Team.
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Pat Williams is the Internet Marketing & Web Site Manager. It's Pat's responsibility to ensure all Heinrich Team web sites & listings are updated regularly with virtual tours & information. Pat works "virtually", which means she is able to complete our work from her home in Michigan where she resides with her husband and two sons. When not working, she enjoys boating, kayaking, skiing and running with the newest member of the family...a standard poodle named Caesar.
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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 was a sure way to accumulate wealth through the 1970s and early 1980s?
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| A |
Many people made their fortunes in real estate during this period. |
 See More Real Estate Trivia > |
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- NUMBER1EXPERTS™ 
