pular para conteúdo
All about mortgages : insider tips to finance or refinance your home in today's economy Ver prévia deste item
FecharVer prévia deste item
Checando...

All about mortgages : insider tips to finance or refinance your home in today's economy

Autor: Julie Garton-Good
Editora: New York : Kaplan Publishing, 2008.
Edição/Formato   Livro : Inglês : 4th edVer todas as edições e formatos
Base de Dados:WorldCat
Classificação:

(ainda não classificado) 0 com críticas - Seja o primeiro.

Assuntos
Mais como este

 

Encontrar uma cópia na biblioteca

&AllPage.SpinnerRetrieving; Encontrando bibliotecas que possuem este item...

Detalhes

Tipo de Documento: Livro
Todos os Autores / Contribuintes: Julie Garton-Good
ISBN: 142775473X 9781427754738
Número OCLC: 148903534
Descrição: xii, 332 p. ; 23 cm.
Conteúdos: 1 Mortgage Market Overview: Players and Process 1 --
2 Creditworthiness 39 --
3 Qualifying for the Mortgage 54 --
4 Comparison Shopping 71 --
5 Conventional Loans 97 --
6 Private Mortgage Insurance on Conventional Loans 123 --
7 The Adjustable-Rate Mortgage (ARM) 134 --
8 Federal Housing Administration Loans 158 --
9 VA Loan Programs 188 --
10 Loan Programs with Leverage 218 --
11 Leverage from the Seller 225 --
12 After the Close: Managing the Mortgage and Your Equity 256 --
13 Refinancing 268 --
14 When the Borrower Falls Behind in Payments 288 --
Appendix Amortization Factors 298.
Responsabilidade: Julie Garton-Good.

Índice:

por cwarden (Usuário WorldCat em 2008-10-01)

Preface -- 1. Mortgage market overview: players and process: The mortgage lending process -- The mortgage meltdown -- Consumer empowerment via the world wide web -- Think like an appraiser to select a property -- Protecting yourself in the purchase agreement -- The basics of loan disclosure -- Predatory lending and mortgage fraud -- The loan application process -- The loan underwriting process -- The loan closing -- What to do if the lender says no -- Consumer booklets to the rescue -- Trends: learn from the valuable lessons of the past -- 2. Creditworthiness: Creditworthiness: the backbone of mortgage lending -- Check your credit in advance of a mortgage application -- The credit-checking process -- What the credit report shows -- Major areas of credit evaluation -- Credit scoring--the creditworthiness gauge -- Credit scores vary between credit reporting agencies -- Improving your credit score -- What constitutes "good credit"? -- Ensuring the best possible credit report -- Checking someone else's credit -- Special considerations for married and divorced persons -- Getting a mortgage after marred credit -- Establishing credit -- Be an informed customer -- 3. Qualifying for the mortgage: Preapproval: knowing what you can afford -- Qualifying ratios -- High property taxes impact qualifying -- Qualifying the self-employed borrower -- Low-doc/no-doc loans -- Subprime nonprime loans -- Tax-free gifts -- Tips for generating extra cash -- Tips for reducing debt -- 4. Comparison shopping: Rent or buy? -- What's the cost of waiting to purchase? -- Pay cash or get a mortgage? -- Making a final decision on the loan and the lender -- Questions to ask before choosing a loan -- Interest rates, loan terms, and down payments -- Pros and cons of small versus large down payments -- Determining loan costs -- No closing cost loans -- Categories of closing costs -- Discount points -- Using buydowns -- Determining lock ins -- Just say no to mortgage life insurance -- 5. Conventional loans: Pros and cons of conventional fixed-rate loans -- Profile of a conventional-loan borrower -- Secondary market guidelines -- Affordable housing programs -- Using compensating factors when ratios don't fit -- Little-known facts about underwriting -- Borrowers with bankruptcy or foreclosure histories -- Types of qualifying income and verification -- Using gifted funds as leverage -- Citizenship is not a requirement -- Refinancing with conventional loans -- Closing costs -- The impact of the mortgage meltdown on todays' borrowers -- More first-time buyer loans -- Other conventional-mortgage rrograms -- 6. Private Mortgage insurance on conventional loans: The basics of private mortgage insurance -- High foreclosures tightens PMI guidelines -- Comparing PMI to a piggyback second mortgage -- PMI is tax deductible -- PMI ppproval guidelines -- Removing PMI from a mortgage -- 7. The adjustable-rate mortgage (ARM): Pros and cons of adjustable rate mortgages -- Basics of adjustable-rate mortgages -- Indexes -- Disclosure provided by lenders -- Margins -- Interest and payment caps -- Negative amortization, carryover, and adjustment periods -- Convertibility options -- The qualifying process -- Program types -- Take action in advance of a reset -- Calculation errors -- Determine ARM savings -- Questions to ask before taking out an ARM -- 8. Federal Housing Administration loans: Levels of Federal Housing Administration loans -- Pros and cons of FHA loans -- The basics -- Qualification guidelines -- Gifts -- Borrowing the down payment -- Closing costs -- No cash reserves required -- Qualifying income -- Determining debt for loan qualifying -- Alternative documentation -- Previously bankrupt borrowers -- Borrowers with previous foreclosure -- Property guidelines -- Leverage -- Mortgage insurance premiums -- Concessions -- Assumption guidelines -- Prepayment penalties -- Discount points and buydowns -- Refinancing -- Other FHA loan options -- Specialized FHA mortgage programs -- Foreclosure alternatives when payments fall behind -- 9. VA loan programs: Levels of VA loans -- Pros and Cons of VA loans -- Profile of a VA buyer -- Eligibility -- Calculating the guaranty amount -- Qualification guidelines -- Compensating factors -- Income guidelines: overtime and part-time income -- Leverage -- Closing costs -- Discount points -- VA appraisals -- Loan types -- Underwriting guidelines -- Assumption guidelines -- Refinancing -- Foreclosure alternatives: workout programs -- 10. Loan programs with leverage: Growing equity mortgages -- Reverse annuity mortgages -- Graduated payment mortgages -- Biweekly mortgages -- Bridge loans -- 11. Leverage from the seller: The power of leverage -- Pros and cons of seller financing -- Using seller financing -- Creative down payments -- Options for sellers holding financing -- Discount points and buydowns -- Lease-purchase -- Assumptions -- 12. After the close: managing the mortgage and your equity: Escrow/impound accounts -- When the mortgage is sold -- Understand how mortgage payments apply -- Prepaying a mortgage -- Tapping equity to purchase investment real estate -- Communicating with the lender -- 13. Refinancing: When does it make sense to refinance? -- Using your home as a piggy bank? Think again? -- When not to refinance -- Refinancing roadblocks -- Tips and traps when refinancing -- Refinancing via the internet -- Home equity loans -- Percent mortgages -- 14. When the borrower falls behind in payments: Why are foreclosures through the roof? -- The key: contact the lender immediately -- National programs to the rescue -- Foreclosure alternatives -- Tough to win with "cash for your house" companies -- Protection against creditor harassment -- Best wishes for growing your equity -- Appendix: Amortization factors -- Glossary -- Resource guide -- Index

Críticas

Críticas contribuídas por usuários
Recuperando críticas GoodReas...
Recuperando comentários DOGObooks

Etiquetas

Etiquetas de todos os usuários (1)

Ver as etiquetas mais populares como: lista de etiquetas | nuvem de etiquetas

Ítens Similares

Assuntos Relacionados:(5)

Listas de usuários com este item (1)

Confirmar esta solicitação

Você já pode ter solicitado este item. Por favor, selecione Ok se gostaria de proceder com esta solicitação de qualquer forma.

Dados Ligados


<http://www.worldcat.org/oclc/148903534>
library:oclcnum"148903534"
library:placeOfPublication
library:placeOfPublication
owl:sameAs<info:oclcnum/148903534>
rdf:typeschema:Book
schema:about
schema:about
schema:about
schema:about
schema:about
schema:about
schema:about
<http://id.worldcat.org/fast/1090917>
rdf:typeschema:Intangible
schema:name"Real estate business--Finance"
schema:name"Real estate business--Finance."
schema:bookEdition"4th ed."
schema:creator
schema:datePublished"2008"
schema:exampleOfWork<http://worldcat.org/entity/work/id/1055154>
schema:inLanguage"en"
schema:name"All about mortgages : insider tips to finance or refinance your home in today's economy"
schema:numberOfPages"332"
schema:publisher
schema:url
schema:workExample

Content-negotiable representations

Close Window

Por favor, conecte-se ao WorldCat 

Não tem uma conta? Você pode facilmente criar uma conta gratuita.