抵押省钱的行业内幕 Mortgage Ripoffs and Money Savers: mobi 下载 fb2 夸克云 azw3 网盘 pdf pmlz

Mortgage Rip-offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year. Mortgage industry insider Carolyn Warren taps her decade of experience with lenders to expose the tricks, lies, and dirty little secrets they don't want you to know. With her expert guidance, borrowers will save tens of thousands when they avoid the traps so many consumers fall into. Having this inside information is the only way borrowers can truly get the best possible deal. This book presents that knowledge in an interesting and easy format that anyone can understand. Readers won't be victims of the mortgage industry with this invaluable resource in hand. Instead, they'll get the best possible rates, avoid bogus fees, and get the great deal they deserve.

作者简介：

Carolyn Warren was a mortgage industry insider for ten years, and worked in retail and wholesale lending for some of the nation's largest lenders, including Full Spectrum Lending/Countrywide Home Loans, Long Beach Mortgage/Ameriquest, First Franklin, and Green Tree Financial/Conseco.

ACKNOWLEDGMENTS

INTRODUCTION

PART I: Eight-Step Guide to Getting the Best Rate and Protecting Yourself from Most Common Scares

　CHAPTER I　Step 1: Boost Your Credit Rating and Prequalify

　　What Credit Score Do You Need to Buy a Home?

　 Additional Notes about How Lenders Rate Credit

　　What to Do if You Have Credit Challenges People with Low Scores Get Ripped Off More Often

　　Find Out How Much You Qualify For

　 The Three-Step Preapproval Process

　　How Do Lenders Decide How Much

　 Money to Lend You?

　 Which Payments Count for Debt Ratio?

　　Pick Your Own Budget

　　Coming Up

　CHAPTER 2　Step 2: Create a Short List of Three

　Honest Mortgage Lenders

　　Tricks to Foil Your Shopping Efforts

　 Selling the Sizzle

　　Special Deals and Secret Loans

　 The Loan They Don't Want You to Know About

　 The Sticky Trick

　　Creating Your Short List

　 Write Down Two Mortgage Companies and One Bank

　 Make One a Referral

　Get a Specific Name

　 Using an Internet Lender

　　Big National Lenders versus Local Lenders

　 Listen to Your Instincts

　　Coming Up

　CHAPTER 3　Step 3: Choose the Right Type of Loan for Your Situation

　　Types of Loans

　 30-Year Fixed Rate

　 15-Year Fixed Rate

　 40-Year or 45-Year Fixed Rate

　Adjustable Rate Mortgage (ARM)

　 Balloon Loan

　 2/28 and 3/27 "Fixed Rate"

　 Adjustable Loans

　 Interest-Only Loans

　 Risky Loans

　 Loans That Should Be Illegal

　　Prepayment Penalties: Good and Bad

　 What Is a Prepayment Penalty and How Does It Work?

　 Hard or Soft Prepayment Penalty?

　 Good Prepayment Penalties

　　Biweekly Mortgage Savings: Bargain or Rip-Off ?

　 How Does It Really Work ?

　　Coming Up

PART II Tips for Homeowners Who Are Refinancing

PART III Special Topics and Unique Situations

INDEX

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Mortgage Rip–offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year. Mortgage industry insider Carolyn Warren taps her decade of experience with lenders to expose the tricks, lies, and dirty little secrets they don′t want you to know. With her expert guidance, borrowers will save tens of thousands when they avoid the traps so many consumers fall into. Having this inside information is the only way borrowers can truly get the best possible deal. This book presents that knowledge in an interesting and easy format that anyone can understand. Readers won′t be victims of the mortgage industry with this invaluable resource in hand. Instead, they′ll get the best possible rates, avoid bogus fees, and get the great deal they deserve.