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All agents are NOT alike! Find out why we are top real estate experts. Call us: 800-320-5952.
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"Craig and staff were very professional." "Craig and staff were very professional and at the same time showed concern for us and our being comfortable with selling our home." "Dick and Janet Wager" Read Quote > View All Quotes >
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  Commitment, accountability, dependability and versatility are all skills that Craig has built upon his entire life. These qualities have always helped to make him a leader in his chosen field - team sports in school, as an airman in the military, and then as a police officer before entering real estate -- and now they make him the best person to handle one of the biggest decisions of your life. He knows that families are relying on him and he prides himself on his ability to come through for people. As a boy growing up in Lancaster, Pennsylvania, Craig was always a team player. He excelled in team sports and was a leader on his high school basketball team. He had the skills of a natural athlete, and it seemed apparent that his future would be in sports. Out of nowhere, an injury prematurely ended any chance he had for a college scholarship. While the news was devastating at the time, it proved to be a blessing in disguise for Craig. After high school, he enrolled in the Air Force and began a personal journey that would redefine his beliefs as well as his attitudes towards service. As a military airman stationed overseas in England, Craig learned the true meaning of commitment. He worked on a team that was in charge of security for the U.S. Air Force base where he discovered a newfound sense of accountability. "It gave me a sense of professional pride. I was thrust into a position of responsibility where others regularly depended on me. Living up to their expectations showed me the satisfaction of a job well done, and the skills that I learned there still influence me today." After an honorable tenure in the Air Force, Craig returned home to Lancaster with a strong sense of community and self-pride. After starting a family with his wife, Mate, he joined the Lancaster Police Force, which again, redefined his commitment to service. As an officer, he developed a great ability to adapt to the constantly changing circumstances he encountered. It's a versatility that still serves him well in both his personal and professional life. As a native of Lancaster and a father of two, Craig understands how important family is. Spending time with his sons, Kyle and Brandon, is one of his greatest joys and it also helps him in his professional career. His great love and respect for his own family gives him special insight into his client's personal needs and interests. Firsthand experience and the ability to relate to people allow Craig to put himself in the shoes of his clients and really focus on their needs as if they were his own. When it comes time to buy or sell your next home, make sure you enlist the aid of a professional agent who is in tune with your goals and interests, appreciates the needs of your family, and is committed to getting you the specific results you're after. It all adds up to Craig Hartranft. Craig has spent a lifetime redefining the standards of quality service and will do everything possible to ensure you reach your goals. Give him a call today.   |  | | Eric Muench | |
Erich Muench Eric, a Lancaster County native, previews all properties, assists Craig with marketing strategies for our listings, maintains weekly contact with our sellers, and acts as a liaison between the seller and cooperative agent, making sure that all final details lead to a smooth, hassle-free settlement. Contact Eric Muench at eric_muench@hotmail.com
 |  | | Jim McPhail | |
Jim McPhail Jim McPhail is a licensed Realtor and an Accredited Buyer Representative, with extensive experience in residential real estate and financing. He has the superb capability to precisely match his client's needs with Craig's inventory of homes. You can contact Jim McPhail at jim@lancasterathome.com
 |  | | Kim McPhail | |
Kim McPhail As a licensed real estate professional born and raised in Lancaster County, Kim offers an excellent understanding of our market place. Kim specializes in the showing process, making sure clients have all the information available to aid them in making good decisions. You can contact Kim McPhail at kim@lancasterathome.com.
 |  | | Keith Shaub | |
Keith Shaub Buyer Specialist Behind any successful professional, you will always find a strong, focused individual who does whatever is required to help their clients reach their goals. Keith Shaub is no exception. Keith began his real estate career in the mortgage industry; helping new home buyers and seasoned investors obtain their home ownership goals. A strong background in financing enables him to thoroughly explain the process which allows a prospective buyer or seller to make informed decisions. An avid golfer, snowboarder, and active community member, Keith makes his home in Lititz.
 |  | | Cindy Hambleton | |
Cindy Hambleton Cindy has worked with our team for many years, beginning as our Administrative Assistant, and has moved on to the position of Contract Manager. She monitors contract deadlines, orders title insurance, and works closely with all of the real estate agents on the team to make sure the closing of all transactions goes smoothly! You can contact Cindy Hambleton at chambleton@cbhomesale.com
 |  | | Suzanne Reidinger | |
Suzanne Reidinger Receptionist Home grown in Lancaster County, Suzanne has a great love for the Pennsylvania Dutch country. Suzanne's first career was in cosmetology and she now has 15 years experience in the real estate profession. Client service has always been very paramount to Suzanne’s professional focus. Each call she handles as receptionist for the team receives individual care. Suzanne and her husband enjoy weekends in the Pennsylvania mountains. Suzanne also likes knitting, reading, current events, and she loves her two furry kids- two mini dachshunds!
 |  | | Danielle McPhail | |
Danielle McPhail Danielle has been working with the team in various administrative positions since 2002. Currently, Danielle is assisting for the whole team doing a wide variety of administrative duties and helping out wherever needed.
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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 |
Who is "Freddie Mac", and why is he a big name in real estate?
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| A |
"Freddie Mac" is the nickname for FHLMC, the Federal Home Loan Mortgage Corporation, which buys mortgages from lending agencies, thus allowing lenders to continually replenish funds for new mortgage loans. |
See More Real Estate Trivia > |
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