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How To Have A Stress Free Mortgage
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Book Synopsis How to Have a Stress Free Mortgage by : Linda Fleischmann
Download or read book How to Have a Stress Free Mortgage written by Linda Fleischmann and published by Morgan James Publishing. This book was released on 2013-03-01 with total page 107 pages. Available in PDF, EPUB and Kindle. Book excerpt: How to Have a Stress Free Mortgage is your resource to getting a loan in today’s market. It will guide you through the traps to avoid before you start house hunting or begin to consider a refinance. Forget about what you may have heard by “supposed” experts; Linda Fleischmann is an active Mortgage Broker and she is in the trenches closing loans. After more than 13 years, Linda knows what to do to get you a loan. Use "How to Have a Stress Free Mortgage" as source for getting a mortgage loan today! Here are just a few things that you will learn: What type of loan should you choose? How much do you need to save for a down payment...is it really 20%? When can you buy again if you’ve had a foreclosure or short sale? Can you have too much credit? Should you co sign for a car loan? What you don’t know can hurt you and more importantly, might stop you from getting into your dream home. If just thinking about applying for a mortgage loan makes you queasy or stressed, then you need to read "How to Have a Stress Free Mortgage" today. Knowing up front what to do BEFORE you apply is critical to getting your loan approved. "How to Have a Stress Free Mortgage" will take you through all of the steps of the loan process so you will understand what is happening, why it’s happening and make you stress free from start to finish.
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!
Book Synopsis RockStar Success Stories by : Craig Duswalt
Download or read book RockStar Success Stories written by Craig Duswalt and published by Morgan James Publishing. This book was released on 2016-02-23 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: There are many different types of RockStars in the world. Of course, there’s the RockStar that we all recognize as RockStars in the music industry. But there are also many people who are very successful in their specific industry, and in my opinion, they are RockStars as well. "RockStar Success Stories" is filled with these people. A couple of them happen to be household names. Most of them are not. But they all had some form of success in their lives, and I am honored to share their stories with you. Success does not necessarily mean more money, or a high-profile job, or a big house, or an expensive car. As you will see when you read these stories, success can be a simple change of mindset, a realization, a cure of a disease, more freedom, following a passion, a lucky break because you worked hard, triumph of the human spirit, and yes, sometimes it can mean more money. This is the first book in the "RockStar Success Stories" series where after you read it you will begin to believe that anything is possible, and that you can be a “RockStar” as well.
Book Synopsis How to Sell a House When It's Worth Less Than the Mortgage by : Dwan Bent-Twyford
Download or read book How to Sell a House When It's Worth Less Than the Mortgage written by Dwan Bent-Twyford and published by John Wiley & Sons. This book was released on 2009-03-03 with total page 244 pages. Available in PDF, EPUB and Kindle. Book excerpt: Due to the wave of refinancing in recent years, and the fall in home values, in 2009 about 12 million homeowners and investors will be "underwater"--owing more than their property is worth. This book explains all the options for these homeowners who are trapped with houses they want to get free from, people whose property value has dropped so low that they can't sell the property, people whose mortgage payment has adjusted and now they can't afford the property. In addition to offering advice on subject to's, rentals, leases, loan modifications and more...the book will teach America how to short sale their own home.
Book Synopsis The Wonder Weeks: A Stress-Free Guide to Your Baby's Behavior (6th Edition) by : Xaviera Plooij
Download or read book The Wonder Weeks: A Stress-Free Guide to Your Baby's Behavior (6th Edition) written by Xaviera Plooij and published by The Countryman Press. This book was released on 2019-09-10 with total page 410 pages. Available in PDF, EPUB and Kindle. Book excerpt: Everything a new parent needs to know about their baby’s 10 magical “leaps”—and when to expect them—in a new, modern sixth edition of The Wonder Weeks The Wonder Weeks answers the question, “Why is my baby cranky, clingy, and crying?” with helpful guidance. Maybe they’re experiencing a leap in brain development, after which new skills are mastered, discoveries are made, and perceptions evolve. Fussy behavior might signal that great progress is underway! Better yet, these phases occur on similar schedules for most babies—as explained and mapped out in this book—so parents can anticipate the “stormy weeks” that precede the “sunny weeks.” Based on decades of research, this fully revised sixth edition covers the first 20 months of a baby’s life and includes: The top 10 things to know and remember about a leap Fun games to support brain development Fill-in-the-blank checklists to help better understand personality and behavior traits Science-based explanations about sleep Fresh insight and recent commentary from new parents who’ve used The Wonder Weeks Anchor moments to keep new parents sane, especially when they are exhausted and discouraged With 2 million+ books sold, and 4 million+ downloads of the corresponding app, The Wonder Weeks has struck a chord. Join the phenomenon that has been embraced by celebrities, social media influencers, and parents worldwide.
Book Synopsis Finding Your Way Home: A Story of Homeownership by : Brent Sute
Download or read book Finding Your Way Home: A Story of Homeownership written by Brent Sute and published by Lulu.com. This book was released on 2010-02-01 with total page 153 pages. Available in PDF, EPUB and Kindle. Book excerpt: In "Finding Your Way Home: A Story of Home Ownership", the main character, Marsha Myles, navigates the rocky path on the road to becoming a home owner. The book not only educates potential home buyers on the steps and processes of buying a home, but also addresses many of the emotions, fears, concerns, and joys of achieving the "American Dream."
Book Synopsis CeMAP 2 Revision Guide by : Paul Archer
Download or read book CeMAP 2 Revision Guide written by Paul Archer and published by Lulu.com. This book was released on 2010-12-19 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: Archer Training's CeMAP 2 Revision Guide is an excellent addition to your ifs School of Finance study material. Used by hundreds of people before you, this Guide helps you to understand the exam syllabus easily and speedily. 200 pages of bullet points, graphs, cartoons, newspaper cuttings and a complete test at the end.
Book Synopsis Loan Officer Training by : Alex Johnson
Download or read book Loan Officer Training written by Alex Johnson and published by Lulu.com. This book was released on 2007-12-01 with total page 188 pages. Available in PDF, EPUB and Kindle. Book excerpt: Thinking about a career as a residential mortgage loan officer? Our Manual provides loan officer training and mortgage broker training for individuals at every level of the mortgage industry-from basic training for those just starting out
Book Synopsis Who's Packing Your Retirement Parachute? by : C. William Creighton
Download or read book Who's Packing Your Retirement Parachute? written by C. William Creighton and published by Xlibris Corporation. This book was released on 2010-07-30 with total page 165 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book will help you focus on how to make your life meaningful and full. It provides guidance about how to make the most from life through the maintenance of your physical health, emotional wellbeing, and a sound financial portfolio. Each chapter offers common sense solutions to help you focus your life on the issues that you think are most important. It is basically a motivation and time management concept.This book is about vision and quality of life objectives that you were not able to achieve in your daily life but that you want to fulfill in the "golden" years of our life. Reading it should give you the desire and discipline to attain any objective that you have ever dreamed about. It provides a road map to success that you may have thought was part of your past and never to be seen again.For most of us, moving from middle age to "senior" citizen comes around the age of 55. The "gold" in the golden years is the opportunity to choose what we will do to fulfill our life dream. Many people would challenge the "gold" in the golden years because along with the freedom of choice and ability to enjoy the rewards of our lifelong efforts comes the illnesses and maladies of old age. We are all familiar with the bad ankles, knees, hips, shoulders, and kidney and heart problems that come with aging. However, these obstacles can be overcome with replacement surgery and raw desire (intestinal fortitude.) The primary objective of this book is to overcome obstacles and challenges to live a life of happiness and bliss in retirement.
Book Synopsis The Official Guide to Buying Property in the UK by : T. Yinusa
Download or read book The Official Guide to Buying Property in the UK written by T. Yinusa and published by Retailed Ltd. This book was released on with total page 113 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you looking to buy a property in today's challenging housing market? Look no further than this comprehensive guide, which covers everything you need to know about the home-buying process, from assessing your finances to completing the purchase. This book provides practical advice on navigating the property market, including tips on finding the property for you, negotiating the best price, and understanding the legal and financial aspects of buying a home. With clear, easy-to-understand language, this guide will help you make informed decisions at every step of the process. Whether you are a first-time buyer or a seasoned buy-to-let investor, starting your property search or already in the process, this book will equip you with the knowledge and tools you need to succeed in today's housing market. With checklists and expert insights, this book is the ultimate resource for anyone purchasing a property. Don't let the housing market challenges hold you back from achieving your dream of homeownership. Buy this book today and take the first step towards making your property ownership goals a reality!
Book Synopsis The Consumer Information Catalog by :
Download or read book The Consumer Information Catalog written by and published by . This book was released on with total page 790 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Consumer and SME Credit Law by : Nora Beausang
Download or read book Consumer and SME Credit Law written by Nora Beausang and published by Bloomsbury Publishing. This book was released on 2021-12-16 with total page 2506 pages. Available in PDF, EPUB and Kindle. Book excerpt: With 2000+ pages of guidance, this important new textbook provides an extensive and in-depth guide to the current labyrinthine regulatory regime relating to consumer and SME credit (by way of cash loans) and protection generally, including the Consumer Protection Code, the Consumer Credit Act (housing loans and non-housing loans), the EU Consumer Credit Regulations, the EU Mortgage Credit Regulations and the Central Bank Housing Loan Regulations. Other lending-related conduct of business requirements are also covered in detail, including the Code of Conduct on Mortgage Arrears, the Lending to SME Regulations, the Code on Related Parties Lending and the Credit Reporting Act, together with applicable EBA/ECB Guidelines dealing with loan origination, product oversight and governance, non-performing exposures/loans and arrears. The regulated activities triggering authorisation as a retail credit firm or credit servicing firm are also addressed in detail. The book additionally extends beyond lending to have application to the wider business of regulated firms in the financial services arena, dealing in detail with issues including the general principles and requirements of the Consumer Protection Code,the fitness and probity regime including the area of minimum competency, distance marketing requirements and other background to the regulatory regime in Ireland including the increased regulatory focus on the culture of regulated firms and product oversight and governance. The available redress/recourse mechanisms are also covered, including the Financial Services and Pensions Ombudsman, the Credit Review Office, the regulatory and other consequences of breach of applicable requirements and the significant risk management area for regulated firms of their customers' statutory right to redress on breach of financial services legislation. In addition, the book has relevance to professionals dealing with consumers in any contractual context including extensive treatment of how the concept of 'consumer' has developed under common law, the unfair commercial practices regime and the increasingly topical area of unfair contract terms legislation. Relevant case law of the Irish courts and other common law jurisdictions, together with an expanding corpus of decisions from the CJEU, are addressed in detail. This book's practical style is designed to assist bankers, other regulated firms, lawyers, compliance professionals and regulators in the application of a complex area. Rather than simply setting out the separate requirements, the book seeks to navigate the at times contradictory legislative and regulatory strands to give (in so far as is possible) a coherent sense of how they integrate. Much of the content is unique and cannot be found in any other publication. An essential addition to the library of every lender, practitioner and compliance and regulatory risk professional, particularly in the areas of consumer and SME credit.
Book Synopsis Mortgages Made Easy by : Douglas Gray
Download or read book Mortgages Made Easy written by Douglas Gray and published by John Wiley & Sons. This book was released on 2010-03-19 with total page 253 pages. Available in PDF, EPUB and Kindle. Book excerpt: Make this book your first stop when shopping for a mortgage! Whether you are considering making your first home purchase or are about to refinance a mortgage, there is lots of good news. Mortgage interest rates are stable and the competition among lenders is fierce. They want your business. So, how do you determine the best deal for your own individual circumstances? How do you make sense of the fine print that comes with different mortgage products? Mortgages Made Easy is a step-by-step guide to help you better understand the current real estate market, financing options, how to qualify for a mortgage, and the legal aspects of purchasing a home and having a mortgage. Among the key topics discussed are: Types and sources of mortgages Mortgages and your RRSP How to renew, refinance, or prepay a mortgage How to invest in mortgages Creative financing techniques Government assistance Special options for seniors Pitfalls to avoid And much, much more, including a glossary, checklists, forms, and helpful websites. Written by one of Canada's most respected real estate experts, let Mortgages Made Easy help you obtain the financing that's right for your home or investment property.
Download or read book The Money Mentor written by Graeme Holm and published by Evolve Global Publishing. This book was released on 2019-10-01 with total page 179 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Money Mentor is my take on the classic self-help book - with one major difference: It's a bullshit-free zone! If you're reading this, it's because you've recognised that your finances need help. Either that or your kids gave you the book as a Christmas stocking-filler, it's pouring with rain and there's nothing on telly this afternoon. Seriously, however you got here isn't important. The important thing is - you're here. Right here, right now is where you start getting control of your finances. This is where you stop throwing money away like it's going out of fashion and start saving. This is where your financial worries start to lessen. This is where you and your family begin to get ahead in the game. What I do is very straightforward - I help ordinary Mums and Dads burdened with standard 30-year home loans, pay off those loans within 7 to 10 years. Yes, you read that correctly - you can be mortgage-free in 7 to 10 years simply by following a plan that we create together. It's not magic. There's no smoke and mirrors. It's not even a secret how we can do this together. In fact, I call it the 'not-so-secret, secret', because anyone can do it. Together, we examine your lifestyle and make a detailed assessment of your living expenses. Using that information, we then give every single dollar of your family's monthly income a specific purpose and structure it within a realistic budget. And guarantee to pay the loan off in 7 to 10 years. Paying your home loan off over 30 years is bullshit! It's the biggest rip-off. When you're sitting in your bank, arranging your home loan, their entire focus is on the minimum monthly repayment. That just means they're forecasting their juicy profits over a 30-year period. Profits that you're paying for. We can even pay off that 30-year loan earlier in some cases. One of our records is having cleared a mortgage in only 3.5! Mortgage-free in three and a half years - wouldn't everyone love to be in that position? Our aim is to disrupt the passive, inherited way of thinking encouraged by the banks and to completely change traditional Mum and Dad psychology. Not with idealistic nonsense and impossible to achieve pie-in-the-sky advice aimed at solving unrealistic or non-typical situations. This book is packed with proven, practical and realistic strategies that work. If you and your family follow the process that we all agree to in the beginning, you will achieve the results we predict at the start. Guaranteed!
Book Synopsis How To Get Mortgage Free Like Me by : Nicole Pedersen-McKinnon
Download or read book How To Get Mortgage Free Like Me written by Nicole Pedersen-McKinnon and published by . This book was released on 2019-12-31 with total page 266 pages. Available in PDF, EPUB and Kindle. Book excerpt: Hello there. Australia is in a credit squeeze and you probably have a growing sense of unease that your housing debt is dangerous. Securing the roof over your head is the safest money move you can make. And you know what? It's not as hard as you think. It's far easier when you know the shortcuts, structures and strategies that I do. What's more, record-low interest rates mean it's never been cheaper. You have a once-in-a-lifetime window - which will close before too long - to get mortgage-free fast and for far less. This is also the perfect way to fight back against fallen property prices. I can tell you firsthand, owning your home outright is a bloody beautiful, freeing feeling - and one that more and more Aussies are seeking. Here, debt-free and debt-focused families from all over the country, generously share surprisingly painless ways to beat a mortgage. Alongside them, I confide how industry insiders, like me, make every dollar count for far more as well as tap into little-known sources of bonus dollars. With our real-life inspiration, 'stinge-spiration' and 'win-spiration', YOU can be mortgage-free too! Long-time Sydney Morning Herald/Age columnist and TV money commentator Nicole Pedersen-McKinnon confides the way she worked the system, leveraged lucky breaks and, yes, economised to get debt-free by the age of 36. And many others join her in revealing their personal secrets to mortgage freedom. Prepare to get informed and inspired ...
Book Synopsis A Practical Guide to Paying off Your Mortgage Early by : Lien Luu
Download or read book A Practical Guide to Paying off Your Mortgage Early written by Lien Luu and published by Taylor & Francis. This book was released on 2024-10-22 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt: Owning a property is a dream for many people, and borrowing from banks is often essential to achieve this. However, having a mortgage can cause real anxiety because of the latent fear of losing our home if we cannot keep up with mortgage payments. Traditionally, homeowners repay their debt over 25 years, but high house prices have made it necessary to increase the term up to 40 years to make monthly payments affordable. Spreading the debt over a longer period of time not only means that borrowers have to pay more interest, but they are also exposed to other risks such as potential interest rate rises and changes in personal circumstances affecting their mortgage eligibility. These can lead to financial worries, financial stress, and reduced well-being. There are few practical guides available to show borrowers how to manage their mortgage debt more effectively, and how to repay their mortgage quickly so that they are debt-free. This book seeks to empower consumers, young and old, by providing a roadmap to help borrowers achieve financial security through planning for the future, insuring their income, and setting up an emergency fund. It also outlines simple strategies for an early repayment of debt, including paying off the capital, making extra payments, and monitoring their mortgage debt. In doing so, it aims to help readers improve their general well-being, enhance their financial security, reduce their financial worries, and eliminate their ‘mortgage insomnia’.
Book Synopsis Mortgage Stressbusters by : Alex Brooks
Download or read book Mortgage Stressbusters written by Alex Brooks and published by John Wiley & Sons. This book was released on 2012-01-19 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: Dreaming of being debt free? Wondering what a tumultuous property market will mean for your financial future? Wanting to buy, sell or invest in property without being ripped off or paying a mortgage for the term of your natural life? If you answered 'yes' to any of these questions, then Mortgage Stressbusters is a must-read. This plain-English, Q&A guide to mortgages and residential property will help you to end mortgage stress once and for all. Not only will you learn how to save money -- and time -- on your mortgage, but you'll also learn the tricks, tips and tactics that will get you ahead in the property game. Inside you'll discover: how to get the best mortgage deal how to buy property successfully, no matter what the market is doing how to pay off your mortgage -- fast what to do if you can't pay your mortgage. Whether you're stuck in the mortgage mire or just trying to stay ahead, Mortgage Stressbusters is the book for you!
