抵押省钱的行业内幕 Mortgage Ripoffs and Money Savers:
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作者： Carolyn Warren 著
出 版 社： John Wiley & Sons
出版时间： 2007-1-1字数：版次： 1页数： 229印刷时间： 2007/05/01开本：印次：纸张： 胶版纸I S B N ： 9780470097830包装： 平装内容简介
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.
目录
ACKNOWLEDGMENTS
INTRODUCTION
PART I: Eight-Step Guide to Getting the Best Rate and Protecting Yourself from Most Common Scares
CHAPTER IStep 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 2Step 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 3Step 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
