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Welcome - Get the best real estate listings & homes for sale, expert advice, local info, and much more from Michael Richter, a proven Phoenixville, Downingtown and Exton, Pennsylvania NUMBER1EXPERT™ Top Selling real estate agent. Find Phoenixville, Downingtown and Exton Homes - Find Phoenixville, Downingtown and Exton, Pennsylvania real estate listings & homes for sale provided by Michael Richter, your local expert real estate agent. For Home Buyers - Get home buying information, the latest listings, mortgage informaiton, expert advice, and much more from Michael Richter, a proven Phoenixville, Downingtown and Exton, Pennsylvania NUMBER1EXPERT™ Top Selling real estate agent. For Home Sellers - Get home selling information, fsbo information, expert advice, find out what your home and other homes in your neighborhood are selling for, and much more from Michael Richter, a proven Phoenixville, Downingtown and Exton, Pennsylvania NUMBER1EXPERT™ Top Selling real estate agent. Phoenixville, Downingtown and Exton Information - Find local information on Phoenixville, Downingtown and Exton, Pennsylvania including schools reports, local maps and links, things to do, area photos, and relocation information. Local information provided by Michael Richter, a proven NUMBER1EXPERT™ Top Selling real estate agent. Real Estate Resources - Find real estate related resources including real estate news, tips, dictionary, trivia, mortgage calculators and information, local real estate related services, and much more from Michael Richter, a proven Phoenixville, Downingtown and Exton, Pennsylvania NUMBER1EXPERT™ Top Selling real estate agent. About Michael Richter - Information about Michael Richter including testimonials, guarantees, credentials, and contact information. Learn why Michael Richter is a proven Phoenixville, Downingtown and Exton, Pennsylvania NUMBER1EXPERT™ Top Selling real estate agent. 
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Closing or Settlement >Estimated Closing Costs
There is a federal law that requires mortgage lenders to give prospective buyers an itemized, "good-faith" estimate of their closing costs. Sometimes buyers arrive at the closing with this document in hand and proceed to question each item on the final closing statement that does not match the estimate exactly.
These "good-faith" estimates are just that--estimates. The lender's charges will be fairly accurate, but the charges for attorneys, termite inspections, title insurance, and other items that appear on the closing sheet may vary from the estimate. Some pro-rated items, such as taxes or homeowner's association fees, will also be different if you don't close on the date that was used to calculate the estimate. The purpose of the disclosure law is to give you a ball park figure of your closing costs. But the estimate you are given won't be to the penny--probably not even to the dollar!
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| Q |
What is the world's most valuable piece of furniture?
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| A |
The 18th century Italian Badmiton Cabinet owned by the Duke of Beaufort sold in 1990 at Christie's, London for $15.1 million dollars. |
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