Beware Of Real Estate Rip Offs

Everything you thought you knew about financing a house has changed. Your future depends on knowing today’s mortgage and credit realities: Relying on older information could cost you a fortune or keep you from buying a house altogether. In Homebuyers Beware: Who’s Ripping You Off Now? – What You Must Know About the New Rules of Mortgage and Credit, Carolyn Warren reveals the new realities of home financing and shows exactly how to take advantage of them, whether you’re buying your first home, refinancing, struggling with imperfect credit, or planning to invest in real estate. Homebuyers Beware reveals new secrets homebuyers simply can’t afford to miss and exposes new scams that target today’s eager consumers--including new loans that look great on paper but are every bit as dangerous as yesterday’s subprimes. Unlike other mortgage guides, this book fully reflects today’s radically new mortgage requirements, in addition to the latest federal housing legislation and how to improve your credit rating. Warren covers topics from real estate negotiation, to powerful tips on getting lower interest rates, to avoiding bogus junk fees, and everything in between: · High-tech “smoke and mirrors” that can trick you into overpaying · Quick, easy, powerful ways to fix your credit · Uncovering the costly secrets of the Yield Spread Premium · The latest laws and credit rules and what they mean to you · New plans for recovering from bad credit, foreclosures, or short sales “Carolyn Warren is my go-to expert for mortgage industry information. She not only helps you avoid rip-offs, she helps you know what questions to ask and how to ask them. Full of tips, scripts, and sample letters, Homebuyers Beware is an extremely valuable book that I recommend to all my readers!” --Alison Rogers, “Ask the Agent” columnist, CBS Moneywatch.com “In this fun-to-read volume, mortgage industry insider Carolyn Warren tells you what real estate cheats and mortgage scammers do NOT want you to know: the tricks, the deceptions, and the outright frauds that would otherwise add thousands, maybe tens of thousands of dollars to your mortgage. Get it. Read it. And take it to the mortgage broker with you. You’ll be glad you did!” --Clayton Makepeace, The Total Package, Makepeacetotalpackage.com “In Homebuyers Beware, Carolyn Warren directs her keen eye at the mortgage and credit markets in the wake of the housing bubble. With an insider’s knowledge, plenty of interesting anecdotes, and helpful reference information, Warren is a cheerful teacher leading readers down the path to homeownership and pointing out pitfalls along the way.” --Ben Meyer, InternetBrands.com

As homes continue to appreciate at favorable rates, more and more investors are viewing real estate as a safe investment alternative. How do you find expert, reliable information on breaking into—and profiting—from this booming market? Look no further. The Learning Annex Presents Making Money in Real Estate packs all the special tips from Robert Shemin’s successful Learning Annex seminar into one easy-to-follow book, featuring advice on: finding the best investment opportunities, identifying qualified tenants, selecting insurance, improving cash flow, and what pitfalls to avoid. Full of sidebars and other special features, this indispensable guide re-creates the authentic seminar experience giving you the tools you need to become a successful real estate entrepreneur—all in a single reading!

This self-help guide provides advice and tips for staying safe and protecting your valuables in your home, in your car, and while traveling. Crime can happen to anyone, anywhere, at any time. But there are ways to thwart the possibility of crime. In Aware and Prepared, author Ronald Hanzel provides advice and tips for staying safe and protecting the items you value the most. Hanzel covers an array of safety issues and demonstrates the key concepts of being aware of your surroundings and stopping a problem before it starts. Communicating practical and easy-to-follow recommendations, Aware and Prepared discusses maintaining safety on the home front; protecting valuables and other items in your home; preventing home scams and other cons; being safe while out and about and on vacation; staying secure while using public transportation and participating in outdoor activities; learning self-defense to protect yourself from possible crime. Keeping yourself, your home, and your possessions safe is not being paranoid. In todays world, its an essential practice to prevent becoming a crime statistic.

An expert guide to the ins and outs of real estate financing Secrets of Buying and Selling Real Estate . . .Without Using Your Own Money! is the definitive insider's guide to traditional and creative (yet legal and ethical!) real estate financing. In understandable, step-by-step language, it walks you through explanations and examples of conventional real estate financing so you understand clearly how most financing works. It examines all the available creative or unusual financing strategies that seasoned investors and homebuyers use every day to buy and finance properties. Drawing on his long experience as a successful real estate investor, Robert Shemin spotlights the advantages and disadvantages of various types of mortgages, terms, and financing strategies so you know all your best options. He also includes informative material on how credit scoring works and understanding credit ratings and credit problems that could scuttle your loan. Offering proven techniques, expert tips, and creative alternatives along the way, Shemin details every important aspect of the financing process, with in-depth discussion of topics such as: * Owners' terms * Contracts for deed, land contracts, and lease options * How to use partners or cosigners * How to get approval after a mortgage company turns you down * How to buy property even if the bank says "no" * Creative ways to obtain down payments, getting the seller to contribute using nonprofit programs