How to Save Thousands of Dollars on Your Home Mortgage

Foreword.

Introduction.

PART 1: BACKGROUND.

The Structure of the Mortgage Industry.

How Lenders Influence Borrowers' Choices.

How Lenders Market Loans.

How to Choose the Right Loan.

KEY POINTS.

For First-Time Home Buyers.

PART 2: CHOOSING A LENDER AND GETTING APPROVED.

Qualifying 101.

Credit.

Bank, S&L, or Broker?

Shopping for a Loan and Negotiating with a Lender.

APR, Buy-Downs, and Discount Points.

What to Do When You Run into a Problem.

QUALIFYING PROBLEMS.

PART 3: LOCKING AND CLOSING.

How Lenders Can Cheat Their Customers.

Closing Costs, Lender Fees, and Other Fees.

PART IV: ADVANCED TOPICS.

Qualifying 201.

Refinancing.

Fifteen-Year Loans and Accelerated Payoffs.

Equity Lines, Seconds, and Reverse Mortgages.

No-Cost and Zero-Cost Loans.

Technology: The Internet and Software.

THE MORTGAGE INDUSTRY ON-LINE.

Epilogue: On the Need for Reform and Other Thoughts.

Appendix.

Glossary.

Index.

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• Finanças pessoais
• Crédito e instituições de crédito
• Habitação e propriedade - compra / venda e aspectos legais

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