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Author: Carolyn Warren
Publisher: John Wiley & Sons
ISBN: 9780470097830
Category : Business & Economics
Languages : en
Pages : 0
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Book Description
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.
Author: Carolyn Warren
Publisher: John Wiley & Sons
ISBN: 9780470097830
Category : Business & Economics
Languages : en
Pages : 0
Get Book Here
Book Description
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.
Author: Carolyn Warren
Publisher: Wiley + ORM
ISBN: 1118039106
Category : Business & Economics
Languages : en
Pages : 286
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Book Description
“Identifie[s] all the major dangers amateur real estate investors need to be aware of . . . many useful tips for getting the right price and the best financing.” —Michael Masterson, New York Times–bestselling author of Automatic Wealth Mortgage Rip-offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year. 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 can void being victims of the mortgage industry with this invaluable resource. Instead, they’ll get the best possible rates, avoid bogus fees, and get the great deal they deserve.
Author: Jennifer Polimino
Publisher: Revell
ISBN: 1441225579
Category : Family & Relationships
Languages : en
Pages : 280
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Book Description
God has a one-of-a-kind plan for every little life placed in our care, and it's never too soon to begin praying for this plan to unfold. This year-by-year guide is the perfect prayer handbook from a child's birth through age five. Inside, readers will find stories, tips, and prayers for every important milestone--from crawling, walking, and table eating in baby's first year to helping with everyday chores once baby becomes a big boy or big girl. Journaling space for each phase of development help readers and their child remember in years to come how God was at work at every stage. Each chapter contains a special list of Scripture verses to guide further prayer and meditation on God's Word. Nominated for a 2013 Christian Retailing's Best Award
Author: Carolyn Warren
Publisher:
ISBN: 9780692637500
Category :
Languages : en
Pages : 160
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Book Description
Author: M. S. Elysia Stobbe
Publisher:
ISBN: 9780986162008
Category :
Languages : en
Pages : 226
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Book Description
Did you know that over 50% of mortgages don't close? Do you know how much home you can buy? Do you know how much paperwork in involved? Most people don't know how much home purchasing power they have, how much to expect for closing costs (varies by state), or how much paperwork is involved when applying for a home loan. Most people have no idea the difference between loan programs from bank to bank, lender to lender, or broker to broker- or what the differences are between the main types of residential mortgage providers. Most people have no criteria for choosing a lender, the type of loan to seek, or how much down payment is best for them. For example, are there differences between the types of property that may affect down payment? The mortgage industry is packed with nuance, which can lead to confusion for the consumer. While trying to buy a home, you may have people from many different professions telling you what you should do and how to make decisions-who should you listen to in which situations? Your most personal financial information is critical to the mortgage process and yet do you know who you are sending it to? What about mortgage insurance? Why is it required and when? The two questions I most often hear are: "What's the payment?" and, "What's the interest rate?" While these questions are important, there are several other questions that are just as critical: what is the right loan type for me; is there an up-front funding fee for this loan; what are the differences in available mortgage insurance; how will property type restrictions affect my loan; what are the pros and cons of this loan; what is the down payment requirement with this loan choice over another; what are the closing costs associated with each loan type; and, who is allowed to pay the closing costs? Successfully navigating the maze of questions, regulations, and requirements ultimately leads to a mortgage closing. Through over ten years of experience, thousands of clients, hundreds of Realtor and builder transactions (time line constraint purchases), and, as a licensed loan originator in 9 states and the District of Columbia, I have developed a wealth of knowledge about regulations and requirements. My commitment to client service and caring about their home buying experience has driven my passion for the individual personal experience in the mortgage industry and how the regulations and requirements affect real people in real time. With this book I'm privileged and excited to share my knowledge and experience with you. After reading this book, you will have an understanding of the big corporations that loan money to homebuyers, what other options you have and how to navigate government regulations and requirements to your advantage. I feel that an educated consumer is my best customer and I am happy to share these mortgage tools and tips with you in the hopes that you educate yourself and find the best mortgage and the mortgage professional that is right for you. In addition, I want you to know what to expect, what to ask, and, who to ask to get the answers you want and to understand what those answers really mean. With each chapter I will guide you through the mortgage process, from choosing between different loan types, to understanding the difference between a Good Faith Estimate and an Itemized Fee Worksheet, to the necessity of submitting certain documents in a particular method, and finally how to enter Closing Day stress-free and knowing that you have gotten the mortgage that makes the most financial sense for your future. The goal is to help you get the best mortgage possible for your individual needs and get to closing on time, stress free!
Author: Ralph R. Roberts
Publisher: John Wiley & Sons
ISBN: 0470501995
Category : Business & Economics
Languages : en
Pages : 316
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Book Description
The crucial information you need to secure a reliable loan modification and save your home Behind on your mortgage payments? Worried about losing your home? Don't panic. Loan Modification For Dummies gives you the reliable, authoritative, easy-to-understand guidance you need to apply for and secure a loan modification that lowers your monthly house payment and keeps you in your home. This practical, plain-English guide leads you step by step through the loan modification process, from contacting your lender to applying for a loan modification, evaluating the lender's initial offer, and negotiating a modification that lowers your monthly payment while helping you catch up on any past-due amounts. You'll learn how to communicate with your bank or loan servicer, recognize and avoid loan-modification scams, and find a knowledgeable loan modification specialist, if you choose not to do it yourself. Advice on determining whether you're likely to qualify for your lender's loan modification program Guidance on preparing and submitting a loan modification application that improves your chances of success Helps you figure out a monthly payment you really can afford Tips on modifying your loan even when you owe more than your home's current market value Negotiation advice for securing the best possible terms and lowest monthly payment Resources for contacting your lender, obtaining free or affordable third-party assistance, and getting government agencies on your side Read Loan Modification For Dummies and start saving your home today.
Author: David Dayen
Publisher: New Press, The
ISBN: 1620971593
Category : Business & Economics
Languages : en
Pages : 302
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Book Description
In the depths of the Great Recession, a cancer nurse, a car dealership worker, and an insurance fraud specialist helped uncover the largest consumer crime in American history—a scandal that implicated dozens of major executives on Wall Street. They called it foreclosure fraud: millions of families were kicked out of their homes based on false evidence by mortgage companies that had no legal right to foreclose. Lisa Epstein, Michael Redman, and Lynn Szymoniak did not work in government or law enforcement. They had no history of anticorporate activism. Instead they were all foreclosure victims, and while struggling with their shame and isolation they committed a revolutionary act: closely reading their mortgage documents, discovering the deceit behind them, and building a movement to expose it. Fiscal Times columnist David Dayen recounts how these ordinary Floridians challenged the most powerful institutions in America armed only with the truth—and for a brief moment they brought the corrupt financial industry to its knees.
Author: Jennifer Polimino
Publisher: Revell
ISBN: 1441225587
Category : Health & Fitness
Languages : en
Pages : 227
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Book Description
Praying Through Your Pregnancy shows a mother how to provide an early head start for her child through the power of prayer. With fresh spiritual insight, each chapter reveals what is happening with the baby's development that week, starting with the very first moment of conception, when God begins the creation of either a boy or a girl. Readers will learn how the confidence they place in God affects the healthy development of their precious growing baby, and how to reduce their own stress and anxiety by looking to the Creator. In this interactive guidebook, the author shares excerpts from her pregnancy journal as an encouragement for women to write their own thoughts and feelings, and each chapter ends with a Mother's Prayer and Scriptures for Meditation. Praying Through Your Pregnancy was a 2011 Christian Book Award Finalist.
Author: Neil Barofsky
Publisher: Simon and Schuster
ISBN: 1451684959
Category : Biography & Autobiography
Languages : en
Pages : 295
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Book Description
Includes a new foreword to the paperback edition.
Author: Casey Fleming
Publisher:
ISBN: 9780615980706
Category : House buying
Languages : en
Pages : 268
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Book Description
Before you take on the largest debt you'll ever have, you should have more - and better - information than you've ever had before. Whether you are a novice or an expert real estate investor this book provides the information you need to finally understand what lending channel, what loan product, and what price point truly fits your need. If you are an engineer looking to dig deeply into the nuts and bolts of how this works you will love the tools and analyses in this book. If you are more interested in just drilling in and getting quick answers, this book is an excellent reference guide with easy-to-find, high quality advice. In order to get the best mortgage possible you need to do five things very well: 1 - Decide whether you should even get a loan in the first place 2 - Choose the best lending channel for your needs 3 - Choose the best loan program for your needs 4 - Choose the best price point for your specific plans 5 - Lock your interest rate at the right time The Loan Guide provides a complete guide to doing all these things well. Finally, The Loan Guide covers how to manage your mortgage in order to keep as much money in your pocket over the course of your lifetime, how to interpret and avoid common marketing gimmicks, and how to use the Excel-based analytical tools used in examples throughout the book. Since 2008 all the rules of lending have changed. The Loan Guide, published in 2014, was written between 2008 and 2014 and updated as it was being written, to reflect the most current rules and guidelines possible. The Loan Guide is current, clear and complete, and you will find it answers exactly the questions you have, and many that you should have but don't know it.
