An Insider S Guide To Refinancing Your Mortgage

A renowned mortgage expert helps homeowners take the stress out of refinancing.

In addition to a concise explanation of every major mortgage topic that consumers want to understand, Mortgages: The Insider's Guide is the only clear, step-by-step guide to effectively shopping for a mortgage. Written by a mortgage industry veteran based on the thousands of questions he has answered in over twenty years counseling clients, this book explains the loan options that you have, how to choose the best one for your unique situation, how to get a handle on the detailed process of getting a home loan, and how to find the right lender. If you are a home buyer you'll be able to determine not just how much house you can qualify for but, more important, what total monthly housing expense you can comfortably afford, including how to figure your specific tax advantages in having a mortgage. Other topics clearly explained include: how a lender looks at your entire financial picture, including income, credit and assets; gift funds and co-signers; appraisals; locking in an interest rate; TIC financing; closing costs; reverse mortgages; how to compare different loan offers, and many, many more. There is a wealth of valuable information here. Understanding the mortgage process and products will make getting a mortgage much easier, and may end up saving you thousands of dollars over the life of your loan.

A step by step guider that prepares you with what you need to know about mortgages as a consumer, tells you how to cut through the nonsense, what is important and what is not Written by a working loan officer with wide-ranging experience and a decade of running a consumer education website, What Consumers Need To Know About Mortgages draws from a depth of experience dealing first-hand with issues that actual consumers have brought to the author for examination, together with common sense solutions that consumers can understand. For the numerically inclined, calculations are included but not required for understanding.

This comprehensive, accessible guide leads you with confidence through every decision you'll have to make during the adoption process -- including the ones that you'd never know to expect. So you've made the decision to adopt. What's next? For starters, how do you know whether domestic or international adoption is right for you? (And what are the real differences between the two?) Adoption insider Elizabeth Swire Falker answers these questions and many more. As an attorney who practices in the area of adoption and has worked with hundreds of families, and as an adoptive parent herself, she offers expert advice on each stage of the process. Complete with checklists, tips, sidebars, and plenty of advice, it shows you how to: Identify which adoption experts you do and don't need Find the right birth mother or choose the right country for your family-and how to spot red flags in potential situations Select an attorney or agency and prepare for your home visit Finance an adoption on a budget, manage the red tape, and get around the roadblocks Navigate all of the complex emotions that surface along the way With Elizabeth Swire Falker's warm yet been-there-done-that voice, The Insider's Guide to Adoption is sure to become a tried-and-true resource for adoptive parents everywhere.

The housing market is in turmoil, but if there’s a silver lining, it’s the fact that purchase prices are at historic lows. Sure, there are still plenty of predatory lenders waiting to exploit the naïve potential buyer, but those who do their homework will be rewarded with a fair price and manageable mortgage terms. Decoding the New Mortgage Market is a map to finding the best and most realistic mortgage deals while navigating past potential obstacles and traps. Filled with money-saving advice, this practical guide will help prospective buyers understand: • How new lending and underwriting rules affect today’s homebuyer • Different loan types and lending institutions • Credit issues and other qualifying factors • Creative down-payment solutions • How to reduce closing costs and other fees Because lenders and buyers alike have gotten “burned” in the mortgage crisis, finding and qualifying for a manageable loan may now be more difficult. Readers will find that Decoding the New Mortgage Market makes the search both easier and more fruitful, and that their dreams of home ownership are still within their reach.

"A must-have for any home owner looking to refinance" -Terri Williams, Homeowner Are you paying more than you need to? In this book a mortgage lending insider reveals her answer to this question - and more - in her best selling So You Want to Refinance. If you are baffled by the dizzying array of mortgage companies, sales pitches, and loan products, this book is for you. The book walks you through each step of the loan process in easy-to-understand language to help you make an informed decision that's good for YOU-not for your loan officer. The book explains how to asses and rebuild your credit score, accurately calculate the equity in your home, and how to make sure that you present your situation in the best possible light. More than just an introduction to getting a home loan - this book will show you how to get the best deal possible. This book is a must-have for any current or potential homeowner thinking of refinancing. Key topics include: -Refinancing Adjustable Rate Mortgages (ARMS) -Understanding Broker Incentives -Getting the Best Appraisal -Processing and Underwriting -Cleaning up your Credit Report -Signing Tips, Tricks, and Negotiation Strategies

"The Almanac of the Unelected" is the leading source for information about Congressional staff: the essential individuals who help elected officials establish political positions on issues, craft legislation, and put policies in place. This new edition features in-depth profiles of more than 600 senior Congressional committee staff members.