Winning With Mortgage Finance Home Mortgage Finance Guide

Download Winning With Mortgage Finance Home Mortgage Finance Guide full books in PDF, epub, and Kindle. Read online Winning With Mortgage Finance Home Mortgage Finance Guide ebook anywhere anytime directly on your device. Fast Download speed and no annoying ads. We cannot guarantee that every ebooks is available!

Winning with Mortgage Finance Home Mortgage Finance Guide

Author : S. K. Kenney
Publisher : Eiram Publishing
ISBN 13 : 1933039779
Total Pages : 211 pages
Book Rating : 4.9/5 (33 download)

DOWNLOAD NOW!

Book Synopsis Winning with Mortgage Finance Home Mortgage Finance Guide by : S. K. Kenney

Download or read book Winning with Mortgage Finance Home Mortgage Finance Guide written by S. K. Kenney and published by Eiram Publishing. This book was released on 2013-02-22 with total page 211 pages. Available in PDF, EPUB and Kindle. Book excerpt: Winning With... Mortgage Finance provides potential borrowers with the opportunity to gain all of the insight necessary to navigate the home mortgage process. Obtaining home mortgage finance is among the most monumental milestones in your life. In addition to being an incredible opportunity to ain the funds that you need to purchase the home of your dreams, mortgage finance can be a confusing, expensive, and complex process. The education that you receive through Winning With ... Mortgage Finance will provide you with the knowledge that you need to save hundreds, even thousands of dollars in up-front closing costs and interest payments over the life of your loan. Each segment of the mortgage lending process is detailed in an easy to understand format designed to help you to gain the knowledge and tools that you need to negotiate the perfect mortgage loan for your home purchase. This book provides the essential information that you will use to assist you in choosing service providers, understanding lending criteria and negotiating for the best loan for you and your family. By being better informed, you will be able to better negotiate your loan and feel confident in your ability to master every step of the home mortgage process. Written by S.K. Kenney, a Mortgage Professional with a proven history of success in Mortgage Banking and Brokering Management this program will give you the knowledge & tools that you need to WIN in the mortgage finance arena!

The Everything Guide to Mortgages Book

Author : Lisa Holton
Publisher : Simon and Schuster
ISBN 13 : 1440524505
Total Pages : 304 pages
Book Rating : 4.4/5 (45 download)

DOWNLOAD NOW!

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 304 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.

The Mortgage Money Guide

Author :
Publisher :
ISBN 13 :
Total Pages : 20 pages
Book Rating : 4.:/5 (31 download)

DOWNLOAD NOW!

Book Synopsis The Mortgage Money Guide by :

Download or read book The Mortgage Money Guide written by and published by . This book was released on 1982 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Loan Guide

Author : Casey Fleming
Publisher :
ISBN 13 : 9780615980706
Total Pages : 268 pages
Book Rating : 4.9/5 (87 download)

DOWNLOAD NOW!

Book Synopsis The Loan Guide by : Casey Fleming

Download or read book The Loan Guide written by Casey Fleming and published by . This book was released on 2014-02-28 with total page 268 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Mortgages

Author : Richard Redmond
Publisher : Heart of the Sun Press
ISBN 13 : 9780692220139
Total Pages : 158 pages
Book Rating : 4.2/5 (21 download)

DOWNLOAD NOW!

Book Synopsis Mortgages by : Richard Redmond

Download or read book Mortgages written by Richard Redmond and published by Heart of the Sun Press. This book was released on 2014-05-12 with total page 158 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.

Your Key to A Successful Home Financing

Author : Secrets of a loan officer
Publisher : Author House
ISBN 13 : 1452020132
Total Pages : 110 pages
Book Rating : 4.4/5 (52 download)

DOWNLOAD NOW!

Book Synopsis Your Key to A Successful Home Financing by : Secrets of a loan officer

Download or read book Your Key to A Successful Home Financing written by Secrets of a loan officer and published by Author House. This book was released on 2010-06-17 with total page 110 pages. Available in PDF, EPUB and Kindle. Book excerpt: Today’s housing market offers exceptional opportunities and incentives to achieve the American dream. “Your Key to a Successful Home Financing” presents unique resources that will help you understand and simplify the loan process, identify available mortgage programs to meet your goals, and enjoy the advantages of being a homeowner. This book will also prepare you with the essentials for a loan approval and tips on how to improve your credit. I'll describe fundamental benefits of using government loans, such as buying with no money down or getting additional funds to repair your home, and options to receive down payment assistance from your city, county or state. I’ll show you how to save money by obtaining a seller credit towards closing costs, reduce your interest rate and its cost, and obtain federal and state tax credits. In addition, you will learn ways to buy foreclosures with low down payment. As a mortgage consultant, I strongly believe in full disclosure to my clients; I’ll describe important key documents that need to be reviewed before looking for a house and at the closing of your transaction. I was motivated to write this book because I frequently witness loan officers failing to provide existing programs and resources to homebuyers. Ultimately, this lack of expertise or ability can be detrimental at the moment of purchasing your home. Throughout “Your Key to a Successful Home Financing” outstanding online support for homebuyers and homeowners will be listed, and you will discover secrets banks may not necessarily want you to know. Its chapters were designed for readers that don't have time to study vague and lengthy narratives about financing. It provides direct, current and crucial advice to find the most appropriate home loan program to fit your needs, because now it’s a great time to take action! www.homefinancingbook.com

Your Home Loan Toolkit

Author : Consumer Financial Consumer Financial Protection Bureau
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781530666010
Total Pages : 26 pages
Book Rating : 4.6/5 (66 download)

DOWNLOAD NOW!

Book Synopsis Your Home Loan Toolkit by : Consumer Financial Consumer Financial Protection Bureau

Download or read book Your Home Loan Toolkit written by Consumer Financial Consumer Financial Protection Bureau and published by Createspace Independent Publishing Platform. This book was released on 2016-03-22 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: Buying a home is exciting and, let's face it, complicated. This booklet is a toolkit that can help you make better choices along your path to owning a home.

Everything about Home Loans

Author : Darryl Beasley
Publisher :
ISBN 13 : 9780963618986
Total Pages : 340 pages
Book Rating : 4.6/5 (189 download)

DOWNLOAD NOW!

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

The Handbook of Mortgage Banking

Author : James M. Kinney
Publisher : McGraw-Hill Professional Publishing
ISBN 13 :
Total Pages : 658 pages
Book Rating : 4.3/5 (512 download)

DOWNLOAD NOW!

Book Synopsis The Handbook of Mortgage Banking by : James M. Kinney

Download or read book The Handbook of Mortgage Banking written by James M. Kinney and published by McGraw-Hill Professional Publishing. This book was released on 1985 with total page 658 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Navigating the Mortgage Maze

Author : Andrew Turnauer
Publisher : Holt Paperbacks
ISBN 13 : 1466881801
Total Pages : 224 pages
Book Rating : 4.4/5 (668 download)

DOWNLOAD NOW!

Book Synopsis Navigating the Mortgage Maze by : Andrew Turnauer

Download or read book Navigating the Mortgage Maze written by Andrew Turnauer and published by Holt Paperbacks. This book was released on 2014-09-23 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: Navigating the Mortgage Maze is a 1996 guide to financing a home. Savvy, streetwise advice to help with your calculations! Securing a mortgage to purchase a home can be one of life's most nerve-racking experiences. Navigating the Mortgage Maze is your ultimate road map through the twists and turns of the mortgage process. Bolstered by a wealth of entertaining and instructive stories and tips, veteran mortgage professional Andrew Turnauer guides you every step of the way in acquiring a mortgage, bringing his years of experience to bear on such issues as: - assessing your financial situation and buying power - selecting the proper loan configuration - prequalifying for loans - selecting a lender or mortgage broker - improving your credit rating - maximizing your collateral, capacity, and character - minimizing the paperwork

The White Coat Investor

Author : James M. Dahle
Publisher : White Coat Investor LLC the
ISBN 13 : 9780991433100
Total Pages : 160 pages
Book Rating : 4.4/5 (331 download)

DOWNLOAD NOW!

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!

The Complete Idiot's Guide to Mortgages, 2nd Edition

Author : Edie Milligan Driskill
Publisher : Penguin
ISBN 13 : 1440691096
Total Pages : 256 pages
Book Rating : 4.4/5 (46 download)

DOWNLOAD NOW!

Book Synopsis The Complete Idiot's Guide to Mortgages, 2nd Edition by : Edie Milligan Driskill

Download or read book The Complete Idiot's Guide to Mortgages, 2nd Edition written by Edie Milligan Driskill and published by Penguin. This book was released on 2006-08-01 with total page 256 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

The Smart & Easy Guide To Mortgages & Home Financing

Author : Mark Dennison
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781493558421
Total Pages : 0 pages
Book Rating : 4.5/5 (584 download)

DOWNLOAD NOW!

Book Synopsis The Smart & Easy Guide To Mortgages & Home Financing by : Mark Dennison

Download or read book The Smart & Easy Guide To Mortgages & Home Financing written by Mark Dennison and published by Createspace Independent Publishing Platform. This book was released on 2013-10-22 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: As you get ready to buy a home, you will need to learn everything you can about the world of home financing and mortgages. This is one of the biggest points of worry, confusion and downright failure for many would-be homeowners. But the good news is that there are answers. And The Smart & Easy Guide To Mortgages & Home Financing: How to Finance Real Estate to Make the House Buying Process Successful has them for you right now. The book contains all the knowledge and guidance that you need to get the best mortgage and avoid financial complications. This real estate financing and home buying mortgage guide book contains crucial information on how to get started with the process of identifying the best mortgage and how to make sure you get the best deal possible. Here are some of the questions answered in the book: - How to secure the credit to get started - How to begin the loan process - How to identify and negotiate for the best rates - How to understand the mortgage stipulations and the mortgage contracts formulated by the lenders - Why it's important to understand mortgage stipulations and the fine print - How to identify a loan that is suitable for a person's individual needs - How to get a loan that guarantees financial freedom - How to avoid scams, fraud, and other risks during the mortgaging process The book fully addresses the challenges faced by any homebuyer considering taking out a mortgage. The main purpose of this real estate financing and home buying mortgage guide book is to empower you by providing knowledge and practical steps you can take. The costs of ignorance in the mortgage industry are too high to ignore when you can get answers this easily. Here are just a few of the things you will learn: - The best strategies for identifying the best mortgage for your situation - How to avoid the stress, anxiety and frustration typical first time home buyers go through during the lending process - How to identify the best mortgage rates by using little known tools - How to avoid fraud, scams and other financial risks - Crucial Strategies for negotiating lower rates and fees - How to boost your credit ratings and why they matter - How a few simple negotiation tricks can save you $1,000s - How to find the best lenders for you - How to save time, money and headaches during the entire process The book contains extensive details on how to avoid financial issues, find the best mortgages and save money and time every step of the way. This real estate financing and home buying mortgage guide book explains how you can obtain good credit, how to start the loan process and how to identify the best mortgage rates. This real estate financing and home buying mortgage guide book has all the answers you need. It contains detailed mortgage information that will guide you smoothly through the home financing process. The sooner you access to get the knowledge contained in this book, the better your situation will be. Make the home buying and home financing process as fast and easy as possible. The Smart & Easy Guide To Mortgages & Home Financing: How to Finance Real Estate to Make the House Buying Process Successful is here for you. Grab your copy today of this real estate financing and home buying mortgage guide book!

An Insider's Guide to Refinancing Your Mortgage

Author : David Reed
Publisher : AMACOM Div American Mgmt Assn
ISBN 13 : 0814410308
Total Pages : 225 pages
Book Rating : 4.8/5 (144 download)

DOWNLOAD NOW!

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.

Home Buying 101

Author : Jon Gorey
Publisher : Simon and Schuster
ISBN 13 : 1507217404
Total Pages : 256 pages
Book Rating : 4.5/5 (72 download)

DOWNLOAD NOW!

Book Synopsis Home Buying 101 by : Jon Gorey

Download or read book Home Buying 101 written by Jon Gorey and published by Simon and Schuster. This book was released on 2022-02-15 with total page 256 pages. Available in PDF, EPUB and Kindle. Book excerpt: "Buying a first home can be both exciting and nerve-wracking. Will you qualify for a mortgage? Is your dream home achievable? How do you make sure your offer will beat others? Don't worry-now you can arm yourself with the information you need to know before you begin the hunt! In Home Buying 101, you will learn all the skills you need to find the right house at the right price, with financing that fits your budget. Full of nuts-and-bolts advice and organized in an easy-to-read format, this book will teach you all the basics of: deciding the right time to buy; getting your finances in order; deciphering the MLS/reading the listings for clues; types of mortgage loans; and much more! With the help of this guide, you'll learn how to find the house of your dreams at a price you can afford!"--

The Mortgage Encyclopedia: The Authoritative Guide to Mortgage Programs, Practices, Prices and Pitfalls, Second Edition

Author : Jack Guttentag
Publisher : McGraw Hill Professional
ISBN 13 : 0071742255
Total Pages : 353 pages
Book Rating : 4.0/5 (717 download)

DOWNLOAD NOW!

Book Synopsis The Mortgage Encyclopedia: The Authoritative Guide to Mortgage Programs, Practices, Prices and Pitfalls, Second Edition by : Jack Guttentag

Download or read book The Mortgage Encyclopedia: The Authoritative Guide to Mortgage Programs, Practices, Prices and Pitfalls, Second Edition written by Jack Guttentag and published by McGraw Hill Professional. This book was released on 2010-05-14 with total page 353 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bestselling one-stop guide to mortgages—updated for the post–housing crisis market! The Mortgage Encyclopedia demystifies all the various mortgage terms, features, and options by offering clear, precise explanations. Fully updated to address the new realities introduced by the housing crisis of 2007, The Mortgage Encyclopedia provides not just a complete description, but also in-depth discussion of the issues that may affect you, whether you're a homeowner (or homeowner-to-be), real estate agent, loan provider, or attorney. With this handy, comprehensive guide on hand, you have instant access to: Definitions and explanations of common mortgage-related terms, as well as arcane mortgage terminology, listed alphabetically Expert advice on the most pressing issues, such as whether to use a mortgage brokers, the benefits of paying points versus a larger down payment, and the hazards of cosigning a loan The truth about common mortgage myths and misperceptions—and the pitfalls you need to avoid Helpful tables on affordability, interest cost of fixed-rate versus adjustable rate mortgages, and much more So the next time you ask yourself such questions as "Is this FHA loan right for me?" or "Can I negotiate this fee?" reach for this indispensable guide and get the fast, accurate information you need!

How to Get Approved for the Best Mortgage Without Sticking a Fork in Your Eye

Author : M. S. Elysia Stobbe
Publisher :
ISBN 13 : 9780986162008
Total Pages : 226 pages
Book Rating : 4.1/5 (62 download)

DOWNLOAD NOW!

Book Synopsis How to Get Approved for the Best Mortgage Without Sticking a Fork in Your Eye by : M. S. Elysia Stobbe

Download or read book How to Get Approved for the Best Mortgage Without Sticking a Fork in Your Eye written by M. S. Elysia Stobbe and published by . This book was released on 2015-06-25 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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!