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The Book On Mortgage Loans
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Book Synopsis The Book on VA Loans by : Chris Birk
Download or read book The Book on VA Loans written by Chris Birk and published by . This book was released on 2020-02-18 with total page 350 pages. Available in PDF, EPUB and Kindle. Book excerpt: For 75 years, the VA loan program has helped U.S. service members and their families achieve the dream of homeownership. Today, in the wake of the subprime mortgage meltdown and ensuing foreclosure crisis, this no-down payment loan is more important than ever. VA loans have emerged as a lifeline for veterans and active duty personnel who understand their unmatched safety and buying power. The Book on VA Loans takes service members and their families on an insider's journey into VA loans, from credit scores and interest rates to the unique opportunities and challenges of this long-cherished program. Readers get insider tips and expert advice from the country's largest dedicated VA lender, Veterans United Home Loans. They also receive a buyer-friendly education in a sometimes complicated world that can trip up even seasoned real estate veterans.Featuring simple, straightforward language and voices of previous VA borrowers, this resource helps ensure service members are in the best position possible to maximize the benefits earned by their service.
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.
Book Synopsis Handbook of Mortgage Lending by : Jess Lederman
Download or read book Handbook of Mortgage Lending written by Jess Lederman and published by . This book was released on 1995 with total page 320 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Introduction to Mortgages and Mortgage Backed Securities by : Richard K. Green
Download or read book Introduction to Mortgages and Mortgage Backed Securities written by Richard K. Green and published by Academic Press. This book was released on 2013-11-21 with total page 249 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Introduction to Mortgages & Mortgage Backed Securities, author Richard Green combines current practices in real estate capital markets with financial theory so readers can make intelligent business decisions. After a behavioral economics chapter on the nature of real estate decisions, he explores mortgage products, processes, derivatives, and international practices. By focusing on debt, his book presents a different view of the mortgage market than is commonly available, and his primer on fixed-income tools and concepts ensures that readers understand the rich content he covers. Including commercial and residential real estate, this book explains how the markets work, why they collapsed in 2008, and what countries are doing to protect themselves from future bubbles. Green's expertise illuminates both the fundamentals of mortgage analysis and the international paradigms of products, models, and regulatory environments. - Written for buyers of real estate, not mortgage lenders - Balances theory with increasingly complex practices of commercial and residential mortgage lending - Emphasizes international practices, changes caused by the 2008-11 financial crisis, and the behavioral aspects of mortgage decision making
Book Synopsis Mortgage Loan Officer Success Guide by : Michael Zuren, Ph.d.
Download or read book Mortgage Loan Officer Success Guide written by Michael Zuren, Ph.d. and published by . This book was released on 2016-09-25 with total page 108 pages. Available in PDF, EPUB and Kindle. Book excerpt: The key to a new, successful, and highly profitable career in the mortgage sales industry is at your fingertips! In his tell-all guide to achieving your goals as a mortgage loan officer, Michael D. Zuren, PhD, outlines the steps all accomplished officers in the business have used to create a top-notch business and reach their career and financial goals. He covers the basics, such as understanding the industry and how mortgages work, knowing how to get hired (and which employers to seek out), and creating a framework for an amazing career. He also covers more advanced tips, tricks, and techniques-from creating and sustaining an effective marketing campaign to knowing how to build rapport and excellent customer service, which are critical to business success. Perfect for both brand-new agents and seasoned veterans, Mortgage Loan Officer Success Guide gives you everything you need to make your dream job a reality!
Book Synopsis The Color of Credit by : Stephen L. Ross
Download or read book The Color of Credit written by Stephen L. Ross and published by MIT Press. This book was released on 2002-11-08 with total page 488 pages. Available in PDF, EPUB and Kindle. Book excerpt: An analysis of current findings on mortgage-lending discrimination and suggestions for new procedures to improve its detection. In 2000, homeownership in the United States stood at an all-time high of 67.4 percent, but the homeownership rate was more than 50 percent higher for non-Hispanic whites than for blacks or Hispanics. Homeownership is the most common method for wealth accumulation and is viewed as critical for access to the most desirable communities and most comprehensive public services. Homeownership and mortgage lending are linked, of course, as the vast majority of home purchases are made with the help of a mortgage loan. Barriers to obtaining a mortgage represent obstacles to attaining the American dream of owning one's own home. These barriers take on added urgency when they are related to race or ethnicity. In this book Stephen Ross and John Yinger discuss what has been learned about mortgage-lending discrimination in recent years. They re-analyze existing loan-approval and loan-performance data and devise new tests for detecting discrimination in contemporary mortgage markets. They provide an in-depth review of the 1996 Boston Fed Study and its critics, along with new evidence that the minority-white loan-approval disparities in the Boston data represent discrimination, not variation in underwriting standards that can be justified on business grounds. Their analysis also reveals several major weaknesses in the current fair-lending enforcement system, namely, that it entirely overlooks one of the two main types of discrimination (disparate impact), misses many cases of the other main type (disparate treatment), and insulates some discriminating lenders from investigation. Ross and Yinger devise new procedures to overcome these weaknesses and show how the procedures can also be applied to discrimination in loan-pricing and credit-scoring.
Book Synopsis Home Buying For Dummies by : Eric Tyson
Download or read book Home Buying For Dummies written by Eric Tyson and published by John Wiley & Sons. This book was released on 2009-04-01 with total page 378 pages. Available in PDF, EPUB and Kindle. Book excerpt: Now updated — America's #1 bestselling home-buying book! Want to buy a house, but concerned about the market? Have no fear — this trusted guide arms you with Eric Tyson and Ray Brown's time-tested advice and updated strategies for buying a home in current market conditions. You'll discover how to find the right property, make smart financial decisions, and understand the latest lending requirements and tax implications. New to this edition — new and expanded coverage to help homebuyers take advantage of low home prices, understand the subprime mortgage crisis, obtain a mortgage, and improve credit scores To buy or not to buy? — weigh the advantages of owning versus renting, get your finances in order, and know how much house you can safely afford Handle financing — understand your credit rating, navigate the different types of mortgages, and complete all paperwork Play the real estate game — find the right location and property, assemble an all-star real estate team, and make the most of the Internet's real estate resources Let's make a deal — negotiate with finesse, make successful offers, inspect and protect your new home, and cover all your bases in escrow "Invaluable information, especially for the first-time home buyer." —Fort Worth Star-Telegram "A reference you'll turn to time after time." —St. Petersburg Times Open the book and find: Reasons why home prices rise and fall Hands-on instruction for buying a home in up or down markets How to pay the price you want The best mortgage options A sample home-buying contract Pros and cons of comparable market analysis Tips for overcoming mortgage and appraisal problems How to cope with buyer's remorse The best real estate Web sites
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 The Safe Mortgage Loan Originator National Exam Study Guide by : Patricia O'Connor
Download or read book The Safe Mortgage Loan Originator National Exam Study Guide written by Patricia O'Connor and published by Createspace Independent Publishing Platform. This book was released on 2013-12-21 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Updated in July 2017 in response to the May 2017 NMLS expanded content outline for the national exam. A good book is even better! It now includes more detailed information and quiz questions that target specific newly-disclosed items on the outline. What's the secret to passing the SAFE Mortgage Loan Originator National Exam? If you answered "memorizing all the questions and answers you can find," you're wrong. You'll have a much better chance of passing the loan originator exam if you understand the material. "The SAFE Mortgage Loan Originator National Exam Study Guide - Second Edition" explains the required information and contains links to additional material. Prepare Yourself for a New Career This updated and enhanced loan originator exam manual includes the latest rulings by the Consumer Financial Protection Bureau. Other topics include: Federal Mortgage-Related Laws SAFE Act Introduction to Mortgage Lending General Mortgage Knowledge Basic Concepts of Mortgage Financing The Loan Application Underwriting, Closing and the Secondary Market Ethics and Fraud Mortgage Terminology There are quizzes throughout the book and two practice final exams to help you test your knowledge; in total, there are more than 400 questions and answers. The author was a licensed mortgage broker for seven years and passed the national exam on her first attempt. Scroll to the top of the page and select the Buy button to get started on your new career.
Book Synopsis Pass the Mortgage Loan Originator Test by : Real Estate Institute
Download or read book Pass the Mortgage Loan Originator Test written by Real Estate Institute and published by . This book was released on 2020-02-08 with total page 200 pages. Available in PDF, EPUB and Kindle. Book excerpt: Make no mistake, the SAFE National With UST exam is tough. This UPDATED and REVISED study guide has helped thousands of MLOs nationwide successfully kick off their careers as state-licensed loan originators. "Pass the Mortgage Loan Originator Test: A Study Guide for the NMLS SAFE Exam" delivers critical information - covering the topics on the most recent version of the NMLS content outline - in a clear and concise manner. This means that what is learned is actually retained. Most importantly, with this resource, you don't just memorize useless questions. You are thoroughly immersed in the material that you need to master in order to successfully pass the exam on your first attempt. Included practice exams help to measure how well you understand the concepts. They will give you a glimpse into the types of questions - and the difficulty - of what you'll face when you head to the testing center. Study with confidence. Authored by a team of esteemed mortgage loan originators, experienced financial writers and passionate educators, "Pass the Mortgage Loan Originator Test: A Study Guide for the NMLS SAFE Exam" provides accurate, relevant and timely information.
Book Synopsis An Introduction to Real Estate Finance by : Edward Glickman
Download or read book An Introduction to Real Estate Finance written by Edward Glickman and published by Academic Press. This book was released on 2013-10-14 with total page 501 pages. Available in PDF, EPUB and Kindle. Book excerpt: An Introduction to Real Estate Finance serves as the core of knowledge for a single-semester first course in real estate finance. Unlike other real estate finance textbooks, with their encyclopedic but often stale details, it combines a short traditional text with a living website. The book gives students and professors highly applied information, and its regularly updated online features makes it especially useful for this practitioner-oriented audience. It covers fundamental topics such as accounting and tax, mortgages, capital markets, REITs and more. It also addresses the 2008 financial crisis and its impact on the real estate profession. This text is a valuable companion for students of real estate finance as well as financial analysts, portfolio managers, investors and other professionals in the field. - Offers a concise, efficient, "finance-centric" alternative to traditional real estate finance texts - Website gives readers the tools to find current information about their own areas of specialization—a unique approach not found in other real estate finance textbooks - Gives students and professors the material to examine every subject in broad and highly detailed terms
Book Synopsis Guaranteed to Fail by : Viral V. Acharya
Download or read book Guaranteed to Fail written by Viral V. Acharya and published by Princeton University Press. This book was released on 2011-03-14 with total page 233 pages. Available in PDF, EPUB and Kindle. Book excerpt: Why America's public-private mortgage giants threaten the world economy—and what to do about it The financial collapse of Fannie Mae and Freddie Mac in 2008 led to one of the most sweeping government interventions in private financial markets in history. The bailout has already cost American taxpayers close to $150 billion, and substantially more will be needed. The U.S. economy--and by extension, the global financial system--has a lot riding on Fannie and Freddie. They cannot fail, yet that is precisely what these mortgage giants are guaranteed to do. How can we limit the damage to our economy, and avoid making the same mistakes in the future? Guaranteed to Fail explains how poorly designed government guarantees for Fannie Mae and Freddie Mac led to the debacle of mortgage finance in the United States, weighs different reform proposals, and provides sensible, practical recommendations. Despite repeated calls for tougher action, Washington has expanded the scope of its guarantees to Fannie and Freddie, fueling more and more housing and mortgages all across the economy--and putting all of us at risk. This book unravels the dizzyingly immense, highly interconnected businesses of Fannie and Freddie. It proposes a unique model of reform that emphasizes public-private partnership, one that can serve as a blueprint for better organizing and managing government-sponsored enterprises like Fannie Mae and Freddie Mac. In doing so, Guaranteed to Fail strikes a cautionary note about excessive government intervention in markets.
Book Synopsis The Great American Housing Bubble by : Adam J. Levitin
Download or read book The Great American Housing Bubble written by Adam J. Levitin and published by Harvard University Press. This book was released on 2020-06-09 with total page 401 pages. Available in PDF, EPUB and Kindle. Book excerpt: The definitive account of the housing bubble that caused the Great Recession—and earned Wall Street fantastic profits. The American housing bubble of the 2000s caused the worst global financial crisis since the Great Depression. In this definitive account, Adam Levitin and Susan Wachter pinpoint its source: the shift in mortgage financing from securitization by Fannie Mae and Freddie Mac to “private-label securitization” by Wall Street banks. This change set off a race to the bottom in mortgage underwriting standards, as banks competed in laxity to gain market share. The Great American Housing Bubble tells the story of the transformation of mortgage lending from a dysfunctional, local affair, featuring short-term, interest-only “bullet” loans, to a robust, national market based around the thirty-year fixed-rate mortgage, a uniquely American innovation that served as the foundation for the middle class. Levitin and Wachter show how Fannie and Freddie’s market power kept risk in check until 2003, when mortgage financing shifted sharply to private-label securitization, as lenders looked for a way to sustain lending volume following an unprecedented refinancing wave. Private-label securitization brought a return of bullet loans, which had lower initial payments—enabling borrowers to borrow more—but much greater back-loaded risks. These loans produced a vast oversupply of underpriced mortgage finance that drove up home prices unsustainably. When the bubble burst, it set off a destructive downward spiral of home prices and foreclosures. Levitin and Wachter propose a rebuild of the housing finance system that ensures the widespread availability of the thirty-year fixed-rate mortgage, while preventing underwriting competition and shifting risk away from the public to private investors.
Download or read book Chain of Title written by David Dayen and published by New Press, The. This book was released on 2016-05-17 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt: 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.
Book Synopsis Mortgage Lending - Loan Officer Training by : Kenney
Download or read book Mortgage Lending - Loan Officer Training written by Kenney and published by Eiram Publishing. This book was released on 2011-03 with total page 312 pages. Available in PDF, EPUB and Kindle. Book excerpt: Congratulations on your decision to enter the mortgage-lending arena. Mortgage lending is one of the most secure, respected, and exciting career opportunities available. Each day will bring you challenges that you will overcome, the excitement of helping to create a loan program that meets the needs of both the borrower and the lender, and the satisfaction of helping each borrower achieve their dreams of home ownership. Home Mortgage Lending is an excellent career opportunity that provides stability, advancement, and a sense of satisfaction to the loan officer who obtains the knowledge and skills necessary to excel within the profession. The training contained in the course provides specific information concerning the loan process and the part you and others play in that process. The information we offer in this program provides you with the foundation that you need to become a well rounded mortgage professional. The top of your field, you will specialize in the overall picture. You will develop the perfect mix of knowledge and skills, add to it the creativity required when overcoming the specific issues that occur during the loan process, and begin on the path that will lead you to the top of your profession. Mortgage lending provides you with the career option that will make you one of the most highly respected professionals within your community. The skills that you will attain over the coming weeks will make you a commodity that is in high demand in the market. Research has shown that the most important attribute of a successful loan officer is the drive to succeed within their chosen profession. The drive to succeed surpasses educational degrees, experience and personal attributes. Purchasing this program shows that you have the initial drive needed to begin on the path toward career stability and success and the ability attain top-producer status. Mortgage Lending is perhaps one of the most satisfying career options available. You will perform the service of helping people to fulfill their dreams of home ownership. The industry is fast-paced, exciting and offers a stable opportunity to anyone willing to put forth the effort necessary to succeed. Each file you receive will contain a myriad of variations that will ensure every workday provides you with the challenge to perform at your best. The coursework builds the foundation that you will need in the coming days, months, and years. Upon successful completion of the coursework and an understanding of each review section, you will find that you are have a higher industry skill level then 90% of your competing loan officers.
Book Synopsis Mortgage Loan Secrets by : Janice Szur
Download or read book Mortgage Loan Secrets written by Janice Szur and published by Independently Published. This book was released on 2019-05-09 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: Most buyers are unfamiliar with the process of getting a loan or mortgage and what it really takes to get approved. This is not only important for first time home buyers but experienced owners too. It may have been awhile since a current home owner has purchased a home and acquired a mortgage and the rules change constantly. Buyers get frustrated with all the paperwork and they feel like they are asked for the same items over and over and over again. Most buyers don't really know what buying power they have. I see both ends of the scale: people who feel they can afford twice as much as allowed, and others who could qualify for five times more than they want. Also, there are various loan programs with numerous possibilities, down payment options, and the types of lenders who are available. All these options can make your head spin. The industry is constantly changing, which can confuse a buyer. The questions I hear most often are: "What is the interest rate?" and "What is my payment?" Although both are very valuable questions, they are not necessarily the critical ones when it comes to getting a mortgage. Finding the ideal loan officer and loan program is crucial and critical in getting you through the preapproval stage, underwriting, a final approval and all the way to the closing table. As an experienced business owner and loan officer, I have read the thousands of pages of regulations, and studied the various loan programs, in order to help my buyers get into the right program, at the right time, and for the right reasons. When purchasing real estate, and obtaining a home loan or mortgage, there are so many variables that a buyer should consider. Financing your first home, second home or cottage, or investment property all require preparation on your part. Do I get an FHA, VA, RD or a conventional loan, or do I get what is called a non-qualified mortgage? Do I need to worry about PMI - and what exactly is that? Do I get a variable rate or a fixed rate? Does the length of time I plan on living in the house matter? Each state and local entity has some of their own costs and rules. After reading this book, you will have an understanding of what is needed, why you should work with a qualified and experienced loan officer, and be ready to breeze through the process and if prepared do it less than 30 days. I have even closed loans in 8 days. I will cover mortgage basics, what is a good credit score, and what are the four c's of getting a loan. What is the loan process, what is the difference between a preapproval and being prequalified. What documents will my loan officer need and what should I be doing while in process. What kind of money and where is it coming from will be discussed. What if I had some credit blips in the past, how long do I have to wait to buy a house? What options do I have for rates, length of loan and can anything change? Finally, what happens behind the scenes and what can I do now to get approved. My mantra is education, communication, and certainly having some fun along the way. Life is too short, so, you better enjoy what you are doing. Because of this, I have put together a helpful guide and reference material to assist you, the buyer, in understanding the process and to help you through that process seamlessly so you aren't pulling out your hair.
Book Synopsis The Millionaire Loan Officer by : Scott Hudspeth
Download or read book The Millionaire Loan Officer written by Scott Hudspeth and published by Createspace Independent Publishing Platform. This book was released on 2017-10-04 with total page 178 pages. Available in PDF, EPUB and Kindle. Book excerpt: Is your career as a mortgage officer stuck in a rut? Do you feel like you're spinning your wheels, year after year, never able to delegate or let go of the everyday minutiae? Or are you new to the Mortgage industry looking to reach new heights and obtain success in your professional life? This book is a game changer for mortgage professionals everywhere. In Millionaire Loan Officer, you will meet Diane and Peter - two people in the mortgage business with completely different, but interwoven stories. Based on real events and the teachings of mentor and author, Scott Hudspeth, you'll follow these characters through the steps for success. With each chapter's 'Final Thoughts' you'll gain the knowledge and action items needed to take you from a Mortgage Loan Officer to a Millionaire Loan Officer.
