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All agents are NOT alike! Find out why I am a top real estate expert. Call me: 650-996-5217.
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Moving your family to another town or state is a major event in your life! I have helped many families and individuals relocate!
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Knowledge, Service and Detail
“…we would never have found a house we could happily call home in such a short period of time."
Val and Tim
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Who is Kay Burns? ...Licensed Real Estate Agent Having lived and worked on the Coastside since 1969, I am familiar with the opportunities and challenges of Coastal Living. My two sons, Bryan and Steven, grew up here. Currently, I live in Half Moon Bay with my husband, Patrick. Half Moon Bay is the center of this community area with real estate choices from a broad range of home prices. Our town and the surrounding community has wonderful schools and friendly, local shop owners. We have all the amenities of a large city with a small town friendliness. I have been office manager of a service business and worked with local media in marketing advertising. Some of my community activities have included involvement with the Chamber of Commerce, the Cabrillo Unified School District, scouting and the Main Street Beautification Committee.  |  | | | | |
 I enjoy hiking, kayaking, sailing and fishing and all kinds of outdoor activities. All of this is abundantly available here. The Coastside is outdoor living at its best! Contact me for help with finding the right property at the right price. Please Sign Up For The Latest Listings and the Latest Real Estate News
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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 |
The upper walls of what famous holy temple are lined with gold?
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| A |
The Golden Temple in Amritsar, India is the most sacred temple and spiritual center of the Sikhs. |
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 Kayaking,
sailing and fishing are abundantly available here.
 We have all
the amenities.
 Award winning
realtor on the Coast since 1989.
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- NUMBER1EXPERT™ 
