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How To Refinance Your Mortgage And Loans
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Book Synopsis An Insider's Guide to Refinancing Your Mortgage by : David Reed
Download or read book An Insider's Guide to Refinancing Your Mortgage written by David Reed and published by AMACOM Div American Mgmt Assn. This book was released on 2008-09-15 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: For many homeowners, refinancing a mortgage can save them significant money, considerably reducing their monthly payments. It can also give them breathing space to pay off debts or allow them to make other investments, pay for college, or finance home improvements. An Insider’s Guide to Refinancing Your Mortgage is dedicated to an often-misunderstood aspect of mortgage lending: refinancing a mortgage loan. Readers will learn why to refinance, when to finance, as well as how to find the best lender, loan officer, and rate. Mortgage expert David Reed takes readers step bystep through the refinance process and shows them how to evaluate their current loan program and compare it with other options. By following Reed’s invaluable advice, homeowners will learn: when a refinance is right for them • how to lock in the absolute lowest rate at the lowest cost • how the mortgage process works from the inside • how loan officers get paid • how to identify and avoid predatory lenders • how to negotiate closing costs An Insider’s Guide to Refinancing Your Mortgage will save readers money and heartache when negotiating a loan.
Book Synopsis How to Refinance Your Mortgage and Loans by : Theo Katz
Download or read book How to Refinance Your Mortgage and Loans written by Theo Katz and published by . This book was released on 2013-08-12 with total page 126 pages. Available in PDF, EPUB and Kindle. Book excerpt: What You Need to Know About a Mortgage LoanIn wanting to have your own home, you have to take one of the biggest financial decisions in your life. Unless you are going to purchase a real property in cold cash, you need to have the financial means to be able to pay for your mortgage.Before you finally get a house, it is crucial that you get to understand the mortgage process and procedures as well as the details pertaining to the interest rates and other terms and conditions. This allows you to choose the right mortgage loan that suits your financial capacity and your other needs.What is Mortgage?In a nutshell, mortgage is a long-term loan for borrowers who want to purchase a real estate property. With the help of a mortgage loan, you have the affordable means to own a house where you pay the principal amount of the loan plus the interest payments depending on the interest rate and the terms.To further understand your mortgage, you need to know how it functions and how you actually pay for it.Components of a Mortgage PaymentMortgage payments depend on factors like the amount of money to be borrowed and the term, which refers to the length of time you intend to fully pay back your mortgage loan.Longer terms allow you to pay lower monthly payments. But you can expect that you will have higher costs when you sum up the principal amount and the interest rates. Since long terms like the 30-year mortgage are affordable, many clients prefer to have this mortgage package.Now, how do you go about the calculation of a mortgage payment?Once you have determined the amount of money you intend to borrow and the terms, there are now four factors that come into play: the principal amount, interest, taxes and insurance.PrincipalEvery mortgage payment is allotted for the repayment of the principal. If you take a $500,000 mortgage, the principal amount that you have to pay is $500,000. The loan is just structured in such a way that the starting years are dedicated for primarily interest payments while the final years consist mainly of principal repayment.InterestThe bulk comprising your mortgage payment would consist of interest payments. The higher the interest rates mean that you have to pay for higher mortgage payments. As such, many people want to take advantage of a low interest rate on a mortgage.Other factors that can affect your mortgage payments include the insurance and the real estate taxes, which are then calculated by the government.
Download or read book Refinancing Your Home written by and published by . This book was released on 1993 with total page 12 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Everything about Home Loans by : Darryl Beasley
Download or read book Everything about Home Loans written by Darryl Beasley and published by . This book was released on 1994-07 with total page 340 pages. Available in PDF, EPUB and Kindle. Book excerpt: Save over $100,000 refinancing a home, with no payment increase -- How to cut thousands of dollars off home loans. -- Discusses how to qualify for a home loan, how to choose the right lender and when to refinance. -- Closing costs, tax deductions, construction financing, choosing the right mortgage, and what to do when applications have been denied, are all covered in this guide.Whether a struggling consumer, or a skilled real estate expert, the reader will find needed answers in this book. Shows renters how to buy a home, homeowners how to refinance or improve their mortgages, and serves as a valuable handbook for realtors, investors and mortgage lenders.This well-written, simple approach to educating people puts light at the end of the tunnel and gives people real, tangible hope for the future of home ownership. -- R. Carter Langston, Courier-Tribune Asheboro, North CarolinaThe most complete work I've seen on home loans. An excellent handbook for anyone in the real estate field and an absolute must for existing or potential homeowners. -- Jim Dimos, Attorney and Louisiana State Representative
Book Synopsis The White Coat Investor by : James M. Dahle
Download or read book The White Coat Investor written by James M. Dahle and published by White Coat Investor LLC the. This book was released on 2014-01 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!
Book Synopsis Mortgages For Dummies by : Eric Tyson
Download or read book Mortgages For Dummies written by Eric Tyson and published by John Wiley & Sons. This book was released on 2008-11-17 with total page 272 pages. Available in PDF, EPUB and Kindle. Book excerpt: Need a mortgage but worried about the market? In Mortgages For Dummies, 3rd Edition, bestselling authors Eric Tyson and Ray Brown give you proven solutions for obtaining a mortgage, whether you want to buy your first home, refinance, or tap into your equity. You get the latest on sub-prime and adjustable-rate mortgages, finding the best lender, avoiding fiscal pitfalls and foreclosure, and much, much, more! This easy-to-understand, objective, and jargon-free guide helps you fine-tune your finances, figure out what you can afford, and improve your credit score before you go mortgage shopping. You’ll get familiar with the advantages and disadvantages of fixed- and adjustable-rate mortgages, 15- and 30-year loans, and conforming and jumbo packages. You also get help finding and working with reputable professionals, comparing programs, and securing terms you can live with. Discover how to: Match your mortgage to your financial goals Qualify for a mortgage even when money is tight Find the right loan for you Choose the best lender/broker Negotiate the best terms Calculate your costs and payments Understand and complete all paperwork Refinance an existing mortgage Understand and consider special situation loans Explore reverse mortgages and other options Decipher amortization tables and comparison worksheets Use the Internet wisely when mortgage shopping Now, more than ever, you need clear, reliable information that helps you get the mortgage you need at a price you can afford. You need Mortgages For Dummies, 3rd Edition!
Book Synopsis Mortgage Management For Dummies by : Eric Tyson
Download or read book Mortgage Management For Dummies written by Eric Tyson and published by John Wiley & Sons. This book was released on 2017-06-12 with total page 316 pages. Available in PDF, EPUB and Kindle. Book excerpt: Quickly make sense of mortgages Taking out a mortgage to purchase real estate is a huge decision, one that could affect your family's finances for years to come. This easy-to-follow guide explains how to secure the best and lowest-cost mortgage for your unique situation. Whether you select a 15- or 30-year mortgage, you'll get all the tips and tricks you need to pay it off faster—shortening your payment schedule and saving your hard-earned cash. Fine-tune your finances Qualify for a mortgage Secure the best loan Find your best lender Refinance your mortgage Pay down your loan quicker Must-knows about foreclosure Top mortgage no-nos
Book Synopsis The Everything Guide to Mortgages Book by : Lisa Holton
Download or read book The Everything Guide to Mortgages Book written by Lisa Holton and published by Simon and Schuster. This book was released on 2008-07-01 with total page 279 pages. Available in PDF, EPUB and Kindle. Book excerpt: Finding the right home can be easy. Finding the right mortgage-one you can afford-can be a challenge. You need to arm yourself with the latest information so you can make the right decision for you and your family, especially in the current housing market. In plain English, finance expert Lisa Horton shines a light on the confusing world of points, interest rates, and credit scores. Whether you're buying your first home, trading up to a larger one, or buying a rental property, you'll find all you need inside. Learn how to: Save for a down payment and prepare to borrow Understand credit reports and credit scores Deal with banks, mortgage brokers, and online lenders Refinance a mortgage The Everything Mortgage Book teaches you how lenders work, how different kinds of loans are structured, and what they're best for. You'll also learn which mortgage practices and loans you should avoid. Whether you have a great credit history or a poor one, you'll be able to get the best loan for your most important purchase-your home. Lisa Holton is the author of How to be a Value Investor, The Essential Dictionary of Real Estate, and the Encyclopedia of Financial Planning. She is a contributing writer for the Financial Planning Association on consumer finance and retirement planning issues. Ms. Holton heads the Lisa Company, a writing, editing, and research firm. She lives in Evanston, IL.
Book Synopsis The Newbies Guide to Mortgages, Mortgage Reduction and Refinancing by : David Addams
Download or read book The Newbies Guide to Mortgages, Mortgage Reduction and Refinancing written by David Addams and published by Createspace Independent Publishing Platform. This book was released on 2014-08-19 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Whether you are an experienced real estate pro, new to investing, interested in getting a mortgage loan or modifying the terms of your existing loan (refinancing), this book is for you. This comprehensive guide provides tips for saving money on your mortgage loan, choosing a mortgage lender, what to look out for in a good mortgage loan etc.In the Newbies Guide to Mortgage Reduction and Refinancing, you will learn the top strategies for buying your choice home in this current economic conditions. You'll learn how to find the perfect property fit for you, how and why you should consult real estate industry professionals (like a mortgage loan officer) before making your final decision. Do you have bad credit? There's hope for you yet because this book has a section on how you can meet the lending requirements of your mortgage broker.You'll discover how to take advantage of low home prices available in the foreclosures market and how to compare the lending requirements from various mortgage lending companies.You will learn how to find the best mortgage brokers to work with, and if you are in the market to sell your home, this book suggests how to get it done in a snap with short sales. You will also learn the pros and cons of consulting real estate experts, the ins and outs of mortgage refinancing, and the advantages and disadvantages of mortgage refinancing.This book will guide you whenever you're ready to make that purchase of your new home by arming you with sound information before you approach mortgage lenders. Learn about the most common mortgage refinancing mistakes that home owners make and how to avoid them. This book will lead you through the steps you must observe while inspecting properties; skip one of these steps and it might cost you thousands of dollars at the end of the day.This book shows you how to: * Buy Your Dream Home* Save Money on Your Mortgage Loan* Choose a Mortgage Lender* Find the Lowest Interest Mortgage Loans* Sell Your Home via a Short Sale* Buy Foreclosed Properties*Qualify For Loan Modification* Refinance Your Loan Even If You Have Bad Credit* Avoid the Commonest Mortgage Refinancing Mistakes Made by Home Owners* Get Foreclosure Listings* Benefit from Reverse Mortgage and so much moreSCROLL UP TO BUY NOW...
Book Synopsis Purchase and Refinance Mortgage Process by : Revathi Raj Kumar
Download or read book Purchase and Refinance Mortgage Process written by Revathi Raj Kumar and published by Fractal Infinite LLC. This book was released on with total page 118 pages. Available in PDF, EPUB and Kindle. Book excerpt: I started my real estate journey when I bought my dream home several years ago. I didn't know a lot, but was very curious to learn more. This curiosity drove me to keep learning more. I refinanced the mortgage multiple times to take advantage of the lower interest rates. I refinanced to 15 year mortgage to lower interest rate even further. Had a mindset change to focus on expanding income instead of reducing expense. Explored further on this to understand the single family rental market. Spent several hours on BiggerPockets website to learn and then became a landlord. To expand my understanding further completed hundreds of hours of Pre-Licensure education, took the license tests on Mortgage Broker, Real Estate Agent, Insurance Agent, Notary Public and aced all. Teaching and helping others has been a passion for me since my childhood. I am passionate and dedicated in whatever I do. I became a volunteer to teach Tamil to kids. To take a step further became a woman entrepreneur to help others in their real estate journey. I am competent, skillful, and work with the highest level of integrity. My clients can depend on me to ensure that all elements of the transaction are completed properly and professionally. My comprehensive knowledge in real estate, mortgage and insurance provides my clients with an efficient experience throughout the process. I am a licensed Mortgage Broker in California & Texas, licensed Insurance agent providing services in California & Texas, Real Estate agent in California Bay area. Come join me and Let's make it happen! Fractal Infinite is a one stop solution for your Mortgage Broker needs in California & Texas, Real Estate Agent needs in California bay area, Insurance Agent needs in California & Texas and Mobile Notary & Loan Signing Agent needs in Contra Costa & Alameda county California.
Book Synopsis Mortgage FAQs & The Home Loan Process by : Rick Smith
Download or read book Mortgage FAQs & The Home Loan Process written by Rick Smith and published by Now I Choose. This book was released on with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Home Loan Process and Mortgage FAQs for Buying a Home and Refinancing.
Book Synopsis Consumer's Guide to Mortgage Refinancing by : Reserve Federal Reserve
Download or read book Consumer's Guide to Mortgage Refinancing written by Reserve Federal Reserve and published by www.bnpublishing.com. This book was released on 2009-03 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Have interest rates fallen? Or do you expect them to go up? Has your credit score improved enough so that you might be eligible for a lower-rate mortgage? Would you like to switch into a different type of mortgage? The answers to these questions will influence your decision to refinance your mortgage. But before deciding, you need to understand all that refinancing involves. Your home may be your most valuable financial asset, so you want to be careful when choosing a lender or broker and specific mortgage terms. Remember that, along with the potential benefits to refinancing, there are also costs. Consumer's Guide to Mortgage Refinancing Helps you answer the questions Should I, Can I, and How do I refinance my mortgage loan? Includes worksheets to help you determine whether refinancing will pay off for you and to help you shop for a mortgage loan to fit your financial situation. Also includes tips to help you through the refinancing process.
Book Synopsis Your Money and Your Home by : Sidney Lenz
Download or read book Your Money and Your Home written by Sidney Lenz and published by Griffin Publishing Group. This book was released on 1992-09 with total page 164 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Financing Your Condo, Co-Op, Or Townhouse by : David Reed
Download or read book Financing Your Condo, Co-Op, Or Townhouse written by David Reed and published by AMACOM/American Management Association. This book was released on 2009 with total page 241 pages. Available in PDF, EPUB and Kindle. Book excerpt: Paying for a dream home is easier than you think.
Book Synopsis Mortgage Refinancing Options and Benefits of Refinancing Mortgage by : Moshood Kolawole Salimonu
Download or read book Mortgage Refinancing Options and Benefits of Refinancing Mortgage written by Moshood Kolawole Salimonu and published by . This book was released on 2021-01-04 with total page 124 pages. Available in PDF, EPUB and Kindle. Book excerpt: With the economy today so obviously in trouble, people are now having a hard time keeping up with mortgage payments. You can get professional help with mortgage refinancing. This can help lower your monthly payments, help you to a loan approved, shorten the length of your loan, or even save you money on taxes. What you will learn in this book Mortgage Refinancing Options - Mortgage refinancing can become a regular habit for some people as there are no strict rules on how many times you can rearrange the mortgage on your home. However, penalties may apply. Adjustable Rate Mortgages (ARMs) - Adjustable rate mortgages are loans that have interest rates that adjust on a regular basis depending on a variety of factors. What this means to borrowers is that, there is a chance that the interest rate on their mortgage can go higher, in which case they will have to pay more for that year, or it can go lower, in which case they will have to pay less. Home Equity Loan Tips for Better Refinancing - Before choosing a lender to refinance your current mortgage or home equity loan, consider a few key factors and analyze your options. Your current interest rate, the length of time you plan to stay in your home, your credit rating, Benefits of Consolidating Your Debts with the Second Mortgage - One quick solution may be to consolidate your debts with a home equity loan, or, by getting a 2nd mortgage on your home. This could be just the way you need to go. While this could be the solution you need. Finding a Mortgage Refinance Company - There are very many mortgage refinance companies in the world today. You can choose from private companies or public companies. You will find that one type of such companies will have the backing up of a bank. This book is not about finding the most profitable, efficient or safest refinance mortgage lender. It is about finding the best loan provider for a mortgage loan applicant. This Book Explain the Mortgage Refinancing Options and Benefits of Refinancing Mortgage, Get Your Copy Now
Book Synopsis How to Save Thousands of Dollars on Your Home Mortgage by : Randy Johnson
Download or read book How to Save Thousands of Dollars on Your Home Mortgage written by Randy Johnson and published by John Wiley & Sons. This book was released on 2002-08-08 with total page 307 pages. Available in PDF, EPUB and Kindle. Book excerpt: Find The Home Mortgage That's Right For You Finding the right mortgage can be complex, confusing, and frustrating. But that doesn't mean you have to settle for anything other than the terms you want. This indispensable and newly updated second edition of How to Save Thousands of Dollars on Your Home Mortgage spells out everything mortgage hunters need to know in clear and accessible terms. It covers more loan alternatives than any other book and examines the importance of discount points. It offers complete details on virtually every mortgage option currently available, what advantages each option offers, how to choose the right one for your needs, and how to save money in the process. New information in this edition will help you use the Internet to find a home and get a mortgage, examine automated underwriting models and conforming loan limits, and weigh new shopping strategies. Easy-to-read charts and graphs, helpful sample forms, and numerous examples will help you understand: * First-time buyers programs * APR, buy-downs, reverse mortgages, accelerated payoffs, and zero point loans * Refinancing strategies * Closing costs, lender fees, and other expenses * How to dispute credit report errors and fix credit problems * How to use the Internet for loan analysis
Book Synopsis The Complete Idiot's Guide to Mortgages, 2E by : Edie Milligan Driskill
Download or read book The Complete Idiot's Guide to Mortgages, 2E written by Edie Milligan Driskill and published by Penguin. This book was released on 2006-08-01 with total page 291 pages. Available in PDF, EPUB and Kindle. Book excerpt: It pays to be in the know about mortgages. An expanded and revised version of The Pocket Idiot's Guide to Mortgages, this essential volume covers everything homebuyers and re-financers need to know. Coverage includes an overview of the application process, overcoming qualification hurdles, finding the right type of loan, when and how to refinance to save money, and much more. * Contains the forms readers need as they move through the mortgage process, including a sample application, pre-qualification forms, re-finance worksheets, and mortgage payment and amortization tables * Expanded, larger-format edition * Features all the new, creative mortgage programs that have become popular
