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Mortgage Ripoffs and Money Savers : an Industry Insider Explains How to Save Thousands on Your Mortgage or Re-fi.

Author: Carolyn Warren
Publisher: Chichester : John Wiley & Sons, 2011.
Edition/Format:   eBook : Document : EnglishView all editions and formats
Database:WorldCat
Summary:
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.  Read more...
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Details

Genre/Form: Electronic books
Additional Physical Format: Print version:
Material Type: Document, Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: Carolyn Warren
ISBN: 9781118039106 1118039106
OCLC Number: 811499866
Description: 1 online resource (284 pages)
Contents: Title Page; Copyright Page; Dedication; Acknowledgments; Introduction; Are You One of the Savvy Consumers?; How to Use This Information to Save Tens of Thousands of Dollars; What Is the Difference between Retail and Wholesale Lending?; My Credentials; PART I --
EIGHT-STEP GUIDE TO GETTING THE BEST RATE AND PROTECTING YOURSELF FROM ... ; CHAPTER 1 --
Step 1: Boost Your Credit Rating and Prequalify; What Credit Score Do You Need to Buy a Home?; What to Do if You Have Credit Challenges; Find Out How Much You Qualify For; How Do Lenders Decide How Much Money to Lend You?; Coming Up. CHAPTER 2 --
Step 2: Create a Short List of Three Honest Mortgage LendersTricks to Foil Your Shopping Efforts; Special Deals and Secret Loans; Creating Your Short List; Big National Lenders versus Local Lenders; Coming Up; CHAPTER 3 --
Step 3: Choose the Right Type of Loan for Your Situation; Types of Loans; Prepayment Penalties: Good and Bad; Biweekly Mortgage Savings: Bargain or Rip-Off?; Coming Up; CHAPTER 4 --
Step 4: Request Three Good Faith Estimates and Compare the Costs; Bad Ideas; How Should You Shop for a Mortgage?; How to Compare Good Faith Estimates; Getting a Guarantee. The Key to a Good Borrowing ExperienceComing Up; CHAPTER 5 --
Step 5: Uncover the Best-Kept Secret of the Mortgage Industry; Stop Paying Too Much!; How Do Commissions Work?; Deciding between Broker and Banker; What's a Fair Price to Pay for Your Loan?; More on YSPs; Coming Up; CHAPTER 6 --
Step 6: Negotiate Lower Fees and Rates; Categorizing Fees; Coming Up; CHAPTER 7 --
Step 7: Decide Whether It Makes Sense to Pay Points, and Lock In ... ; The Truth about Par Rate and Discount Points; Are You Protected with a Government Loan?; When Does It Make Sense to Pay a Loan Discount?; Lock In Your Rate. What Is a Rate Lock and How Does It Work?Beware Rate Gambling!; Insider's Guide to Protecting Yourself from Rate Lock Scams; Coming Up; CHAPTER 8 --
Step 8: Avoid the Five Most Common Unpleasant Closing Surprises; Denial of Appraisal; Seven Reasons a Lender Might Reject Your Appraisal; Bait and Switch; Mistakes; Tricks at Signing; Surprise Prepayment Penalty; Insider's Handy Checklist for Avoiding Nasty Surprises; Coming Up; PART II --
TIPS FOR HOMEOWNERS WHO ARE REFINANCING; CHAPTER 9 --
What You Must Know before You Refinance; How the Smooth-Talkers Work; Dangers of Refinancing Too Often. Three Savvy Refinancing StrategiesThree Refinancing Alerts; Coming Up; CHAPTER 10 --
Watch Out if You're Rolling Fees into Your Loan!; The Scoop on Closing Costs; The Worst Refinance: Could It Be Yours?; Pay Attention to the Numbers; Coming Up; PART III --
SPECIAL TOPICS AND UNIQUE SITUATIONS; CHAPTER 11 --
Great Deals on below Market Rate Loans; First-Time Homebuyer Programs Open to Anyone; Loans for Public Servants; Inexpensive Loans for the Community-Minded; Loans for People with a Disability; Free Grants; Coming Up; CHAPTER 12 --
Tips for Loans on Condos and Two- to Four-Family Homes.

Abstract:

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 underst.

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