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Raising Money: Tactics for Attracting Lenders and Investors.\u003c\/p\u003e \u003cp\u003eChapter 7. Get Help From the Best real Estate Specialists You Can Find.\u003c\/p\u003e \u003cp\u003eChapter 8. Why Trump Building Projects Are Always On Time and Under Budget.\u003c\/p\u003e \u003cp\u003eChapter 9. Trump Marketing Strategies: Selling the \"Sizzle\" Sells the Product.\u003c\/p\u003e \u003cp\u003eChapter 10. How to Manage Property Like Trump: Treat It As A Customer Service Business.\u003c\/p\u003e \u003cp\u003eChapter 11. 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So just what we need! * The Law Society Gazette *","brand":"Profile Books Ltd","offers":[{"title":"Default Title","offer_id":48887848730967,"sku":"9781788166492","price":8.54,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781788166492.jpg?v=1722546560"},{"product_id":"buying-and-selling-your-own-home-9781802360264","title":"Buying And Selling Your Own Home","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Straightforward Publishing","offers":[{"title":"Default Title","offer_id":48887929307479,"sku":"9781802360264","price":12.39,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781802360264.jpg?v=1722546954"},{"product_id":"help-with-housing-costs-volume-1-9781999351021","title":"Help With Housing Costs Volume 1","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Shelter","offers":[{"title":"Default Title","offer_id":48888956125527,"sku":"9781999351021","price":32.62,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781999351021.jpg?v=1722551978"},{"product_id":"help-with-housing-costs-volume-1-guide-to-universal-credit-council-tax-rebates-2022-23-9781999351069","title":"Help With Housing Costs: Volume 1: Guide to","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Shelter","offers":[{"title":"Default Title","offer_id":48888956223831,"sku":"9781999351069","price":41.32,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781999351069.jpg?v=1722551978"},{"product_id":"help-with-housing-costs-volume-1-9781999351007","title":"Help With Housing Costs Volume 1","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eThis volume covers the rules across the UK for help with personal housing costs available through the universal credit, mortgage interest loans, council tax rebate schemes in Great Britain and rate rebate scheme in Northern Ireland. This guide is designed to run side by side with volume 2 which covers housing benefit. Together, they provide a comprehensive guide covering all the main schemes for help with housing costs in the UK. Written in a plain English style it is designed for easy use by tenants, homeowners, local councils, social landlords, welfare rights advisers, tribunal members and housing professionals.","brand":"Shelter Publications","offers":[{"title":"Default Title","offer_id":49084732309847,"sku":"9781999351007","price":51.58,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9781999351007.jpg?v=1725553167"},{"product_id":"property-with-shes-on-the-money-9780143778776","title":"Property with Shes on the Money","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e","brand":"Penguin Random House Australia","offers":[{"title":"Default Title","offer_id":49399878058327,"sku":"9780143778776","price":22.2,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780143778776.jpg?v=1730469000"},{"product_id":"106-mortgage-secrets-all-borrowers-must-learn-but-lenders-dont-tell-9780470152867","title":"106 Mortgage Secrets All Borrowers Must Learn","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eThe only guidebook that shows you how to finance any property--with or without bank approval\u003cbr\u003e \u003cbr\u003e Would you like to discover all of the many ways that you can finance real estate? Want to learn how to cut your financing costs, avoid pitfalls, and negotiate the best terms? Then let Gary Eldred''s 106 Mortgage Secrets All Borrowers Must Learn--But Lenders Don''t Tell, Second Edition guide you. Fully updated, this practical guide explains how today''s changing mortgage market really works. Unlike other mortgage guides, this book goes beyond traditional bank-originated loans and shows you how to benefit with seller financing, assumables, subject-to, wraparounds, lease options, foreclosures, and other money-saving possibilities.\u003cbr\u003e \u003cbr\u003e 106 Mortgage Secrets also protects you from the sharp practices of loan reps that have recently sparked Congressional hearings and multiple state investigations. In addition, Eldred shows how and why the right financing decisions can add tens (a\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003cp\u003ePreface to the Second Edition xi\u003c\/p\u003e \u003cp\u003eIntroduction: Use OPM to Achieve All That You Really Want xiii\u003c\/p\u003e \u003cp\u003e\u003cb\u003e1 Affordability Depends on You—Not a Lender 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSecret #1 Affordability depends on you 1\u003c\/p\u003e \u003cp\u003eSecret #2 How you choose your property and arrange financing can add (or subtract) tens (or even hundreds) of thousands of dollars to (from) your net worth 6\u003c\/p\u003e \u003cp\u003eSecret #3 Separate the emotional from the financial 7\u003c\/p\u003e \u003cp\u003eSecret #4 Align self-talk with your priorities 9\u003c\/p\u003e \u003cp\u003eSecret #5 Envision the propert(ies) you would like to own 5, 10, or 15 years from now 15\u003c\/p\u003e \u003cp\u003e\u003cb\u003e2 Increase Your Borrowing Power 17\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSecret #6 10,000 lenders set their own standards 17\u003c\/p\u003e \u003cp\u003eSecret #7 You can make your qualifying ratios look better 20\u003c\/p\u003e \u003cp\u003eSecret #8 Lift your qualifying income 23\u003c\/p\u003e \u003cp\u003eSecret #9 Reduce your debt 27\u003c\/p\u003e \u003cp\u003eSecret #10 Use compensating factors to justify higher qualifying ratios 30\u003c\/p\u003e \u003cp\u003eSecret #11 Never fib to a lender 32\u003c\/p\u003e \u003cp\u003eSecret #12 Can’t qualify? Enlist a cosigner, co-borrower, or co-owner 34\u003c\/p\u003e \u003cp\u003eSecret #13 Let tenants pay your mortgage 36\u003c\/p\u003e \u003cp\u003eSecret #14 Don’t change your loan status 42\u003c\/p\u003e \u003cp\u003e\u003cb\u003e3 Slash Your Cost of Interest 43\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSecret #15 Many borrowers who want a fixed-rate loan should choose 15 years, not 30 or 40 44\u003c\/p\u003e \u003cp\u003eSecret #16 Lower interest rates mean big savings 48\u003c\/p\u003e \u003cp\u003eSecret #17 Lower rates magnify borrowing power 49\u003c\/p\u003e \u003cp\u003eSecret #18 ARMs sometimes offer greater borrowing power, lower costs, with risk you can manage 51\u003c\/p\u003e \u003cp\u003eSecret #19 State and local housing finance agencies offer lower-interest mortgage loans 53\u003c\/p\u003e \u003cp\u003eSecret #20 Assume a low-interest-rate mortgage 54\u003c\/p\u003e \u003cp\u003eSecret #21 “Assume” a nonassumable mortgage 57\u003c\/p\u003e \u003cp\u003eSecret #22 Save $1,000s with a Mortgage Credit Certificate (MCC) 61\u003c\/p\u003e \u003cp\u003eSecret #23 Seek employer assistance, or seek an employer who gives assistance 62\u003c\/p\u003e \u003cp\u003eSecret #24 Obtain a lower interest rate; pay points 63\u003c\/p\u003e \u003cp\u003eSecret #25 Negotiate a buydown with the sellers 64\u003c\/p\u003e \u003cp\u003eSecret #26 New homebuilders offer mortgage incentives 66\u003c\/p\u003e \u003cp\u003eSecret #27 How to borrow jumbo amounts without paying jumbo rates 66\u003c\/p\u003e \u003cp\u003eSecret #28 Your after-tax cost of borrowing may not be as low as you’ve been told 69\u003c\/p\u003e \u003cp\u003e\u003cb\u003e4 The Risks and Rewards of ARMs 73\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSecret #29 ARMs do not necessarily present more risk than fixed-rate loans 73\u003c\/p\u003e \u003cp\u003eSecret #30 For the short term, ARMs \u003ci\u003eusually \u003c\/i\u003ecost less 78\u003c\/p\u003e \u003cp\u003eSecret #31 ARMs for the long run: How to lower costs and alleviate risk 80\u003c\/p\u003e \u003cp\u003eSecret #32 You can (sort of) forecast interest rates 81\u003c\/p\u003e \u003cp\u003eSecret #33 Low teaser rates: Bait or bargain? 84\u003c\/p\u003e \u003cp\u003eSecret #34 Your start (teaser) rate isn’t your contract rate 86\u003c\/p\u003e \u003cp\u003eSecret #35 There’s no one best index 88\u003c\/p\u003e \u003cp\u003eSecret #36 Don’t ignore the margin 91\u003c\/p\u003e \u003cp\u003eSecret #37 All caps aren’t created equal 92\u003c\/p\u003e \u003cp\u003eSecret #38 That flashy convertible could prove a clunker 93\u003c\/p\u003e \u003cp\u003eSecret #39 APRs tell you nothing about ARMs—and very little about fixed rates 94\u003c\/p\u003e \u003cp\u003e\u003cb\u003e5 Perfect Your Credit Profile 97\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSecret #40 Emphasize all eight Cs of loan approval 98\u003c\/p\u003e \u003cp\u003eSecret #41 Credit scores influence, but do not determine, the terms and costs of your loan 103\u003c\/p\u003e \u003cp\u003eSecret #42 Your credit score doesn’t necessarily represent your credit strength 104\u003c\/p\u003e \u003cp\u003eSecret #43 Discover your credit scores 105\u003c\/p\u003e \u003cp\u003eSecret #44 Improve your credit scores 107\u003c\/p\u003e \u003cp\u003eSecret #45 Garbage in, garbage out (GIGO) 109\u003c\/p\u003e \u003cp\u003eSecret #46 Most credit repair firms (or deceptive tactics) can’t fix your credit or boost your credit scores 113\u003c\/p\u003e \u003cp\u003eSecret #47 Bogus credit counselors can scam you, too 114\u003c\/p\u003e \u003cp\u003eSecret #48 Credit counselors and debt management firms do not improve your credit record or boost your credit scores 115\u003c\/p\u003e \u003cp\u003eSecret #49 Bankruptcy (Chapter 7) doesn’t necessarily ruin your credit 116\u003c\/p\u003e \u003cp\u003eSecret #50 Your ex-spouse can ruin your credit (and other tales of double counting) 118\u003c\/p\u003e \u003cp\u003e\u003cb\u003e6 The Lowdown on Low Downs 121\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSecret #51 You can buy with little or nothing down 121\u003c\/p\u003e \u003cp\u003eSecret #52 No matter how much you earn, FHA may hold the key to your financing needs 122\u003c\/p\u003e \u003cp\u003eSecret #53 Discover FHA’s best-kept Secret: The 203(k) program 126\u003c\/p\u003e \u003cp\u003eSecret #54 Too many vets pass up VA loans 129\u003c\/p\u003e \u003cp\u003eSecret #55 The USDA offers a prime choice for low- to moderate-income homebuyers 131\u003c\/p\u003e \u003cp\u003eSecret #56 Community lending goes mainstream 131\u003c\/p\u003e \u003cp\u003eSecret #57 Not-for-profit housing groups help moderate-income people own their own homes 134\u003c\/p\u003e \u003cp\u003eSecret #58 Local governments assist with down payments 136\u003c\/p\u003e \u003cp\u003eSecret #59 Even Fannie and Freddie accept little- or nothing-down loans 138\u003c\/p\u003e \u003cp\u003eSecret #60 Cut the cost of PMI by learning where rates break 138\u003c\/p\u003e \u003cp\u003eSecret #61 Before you obtain a PMI little- or nothing-down loan, understand the cost you’ll pay 139\u003c\/p\u003e \u003cp\u003eSecret #62 Reduce the higher cost of low down payments with a second mortgage (piggyback loan) 141\u003c\/p\u003e \u003cp\u003eSecret #63 Use pledged collateral to eliminate PMI 142\u003c\/p\u003e \u003cp\u003eSecret #64 Search for sellers with low-equity assumables loans 144\u003c\/p\u003e \u003cp\u003eSecret #65 Avoid PMI with a higher interest rate mortgage 144\u003c\/p\u003e \u003cp\u003e\u003cb\u003e7 Win Big Savings with Seller Financing, Foreclosures, or REOs 147\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSecret #66 Sellers can nearly always beat the banks at their own game, but you must do more than ask 151\u003c\/p\u003e \u003cp\u003eSecret #67 Ask the seller and lender to cooperate with a refiblend 153\u003c\/p\u003e \u003cp\u003eSecret #68 Bridge the assumable gap with a seller second 154\u003c\/p\u003e \u003cp\u003eSecret #69 Avoid the bang of a bursting balloon 155\u003c\/p\u003e \u003cp\u003eSecret #70 Buy on the installment plan 156\u003c\/p\u003e \u003cp\u003eSecret #71 Try it before you buy it 159\u003c\/p\u003e \u003cp\u003eSecret #72 Buy and lease simultaneously 161\u003c\/p\u003e \u003cp\u003eSecret #73 Beat high interest rates with wraparound financing 164\u003c\/p\u003e \u003cp\u003eSecret #74 Don’t dillydally with due diligence 165\u003c\/p\u003e \u003cp\u003eSecret #75 Negotiate a preforeclosure workout 168\u003c\/p\u003e \u003cp\u003eSecret #76 Buy (carefully) at a foreclosure sale 171\u003c\/p\u003e \u003cp\u003eSecret #77 Locate a foreclosure pro 171\u003c\/p\u003e \u003cp\u003eSecret #78 HUD may hold the keys to your home or investment property 173\u003c\/p\u003e \u003cp\u003eSecret #79 VA offers REO deals (with financing) to both veterans and nonveterans 175\u003c\/p\u003e \u003cp\u003eSecret #80 Let Fannie or Freddie treat you to below-market financing 177\u003c\/p\u003e \u003cp\u003eSecret #81 Buy and finance directly with a lender 179\u003c\/p\u003e \u003cp\u003e\u003cb\u003e8 Beware of Those Fine Print “Gotchas” 183\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSecret #82 It’s a jungle out there 184\u003c\/p\u003e \u003cp\u003eSecret #83 Tell your loan rep to take out the garbage 187\u003c\/p\u003e \u003cp\u003eSecret #84 Don’t place blind faith in the good faith estimate 189\u003c\/p\u003e \u003cp\u003eSecret #85 What’s the real cost of a no-cost mortgage? 191\u003c\/p\u003e \u003cp\u003eSecret #86 Can you prepay without restriction or penalty? 193\u003c\/p\u003e \u003cp\u003eSecret #87 An assumable loan may offer less than you’ve assumed 196\u003c\/p\u003e \u003cp\u003eSecret #88 Appraised value doesn’t necessarily equal market value 198\u003c\/p\u003e \u003cp\u003eSecret #89 Sometimes lenders signal appraisers to lowball their value estimates 200\u003c\/p\u003e \u003cp\u003eSecret #90 Appraisals do not forecast the future 202\u003c\/p\u003e \u003cp\u003e\u003cb\u003e9 Achieve the Lowest Interest Rate Available 205\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSecret #91 Refuse to yield to oversized yield-spread premiums (YSPs) 205\u003c\/p\u003e \u003cp\u003eSecret #92 Red and yellow, black and white, do lenders treat them all alike? 207\u003c\/p\u003e \u003cp\u003eSecret #93 Rate quotes: Fact or fiction? 208\u003c\/p\u003e \u003cp\u003eSecret #94 What rate will you get at closing? 210\u003c\/p\u003e \u003cp\u003eSecret #95 Achieve your best rate 213\u003c\/p\u003e \u003cp\u003eSecret #96 Industry pros and government agencies need your help 215\u003c\/p\u003e \u003cp\u003eSecret #97 How to (almost) vanquish tricks of the trade 220\u003c\/p\u003e \u003cp\u003e\u003cb\u003e10 Manage Your Property and Financing for Maximum Return 225\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eSecret #98 Treat your home and your financing as an investment 226\u003c\/p\u003e \u003cp\u003eSecret #99 Monitor opportunities to refinance 233\u003c\/p\u003e \u003cp\u003eSecret #100 Use refinancing to create other benefits 236\u003c\/p\u003e \u003cp\u003eSecret #101 Refinance and invest the proceeds 238\u003c\/p\u003e \u003cp\u003eSecret #102 Never buy biweekly baloney 243\u003c\/p\u003e \u003cp\u003eSecret #103 Cancel your PMI—Get a refund from FHA 246\u003c\/p\u003e \u003cp\u003eSecret #104 Should you negotiate out of escrow? 248\u003c\/p\u003e \u003cp\u003eSecret #105 Just say no to home equity loans 250\u003c\/p\u003e \u003cp\u003eSecret #106 Trouble, trouble, what to do? 254\u003c\/p\u003e \u003cp\u003eConclusion: You Can Live on the House 259\u003c\/p\u003e \u003cp\u003eIndex 265\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49402296533335,"sku":"9780470152867","price":12.59,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780470152867.jpg?v=1730479980"},{"product_id":"fight-foreclosure-9780470267646","title":"Fight Foreclosure","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003ci\u003eFight Foreclosure!\u003c\/i\u003e offers a practical, step-by-step system for taking action to prevent foreclosure on your home before it?s too late. If you?re having trouble keeping up with your payments, the worst thing you can do is nothing. This book explores all your options, weighs the pros and cons of each, and explains the pre-foreclosure process in detail. Plus, it points out the too-good-to-be-true credit repair offers you should avoid and gives you real, practical alternatives that help you help yourself before it?s too late.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eAcknowledgments.  \u003cp\u003eIntroduction. You Are Not Alone! America in Foreclosure.\u003c\/p\u003e \u003cp\u003eChapter 1: Don't Ignore the Warning Signs: How to Get Past Denial, Deal with the Stress and Embarrassment, and Take Action to Save Your Home and Family.\u003c\/p\u003e \u003cp\u003eChapter 2: The Foreclosure Time Clock: Why it's Much Better to Act Sooner than Later.\u003c\/p\u003e \u003cp\u003eChapter 3: How to Handle Collection Calls: Why You Should Talk to Your Lender First, What to Say, and What Questions to Ask.\u003c\/p\u003e \u003cp\u003eChapter 4: Too Much Money at the End of the Month: How to Prioritize Your Spending and Where to Cut Expenses.\u003c\/p\u003e \u003cp\u003eChapter 5: Negotiate with your lender to win\/win: Walk Away, Sell, or Sacrifice to Save.\u003c\/p\u003e \u003cp\u003eChapter 6: Use the Law to Fight Foreclosure: Legal Defenses.\u003c\/p\u003e \u003cp\u003eChapter 7: Using Bankruptcy to Save Your Home.\u003c\/p\u003e \u003cp\u003eChapter 8: How to Sell to Avoid Foreclosure and Save Your Credit Even if You Owe More Than Your Home is Worth.\u003c\/p\u003e \u003cp\u003eChapter 9: How to Find Legitimate Help and Avoid Foreclosure Rescue Scams.\u003c\/p\u003e \u003cp\u003eChapter 10: Options for Real Estate Investors Facing Foreclosure.\u003c\/p\u003e \u003cp\u003eChapter 11: Life After Foreclosure: What I Learned When it Happened to Me.\u003c\/p\u003e \u003cp\u003eAppendix A. Questions and Answers from HUD.\u003c\/p\u003e \u003cp\u003eAppendix B. Mortgage Workout Notebook.\u003c\/p\u003e \u003cp\u003eAppendix C. Mortgage Forgiveness Debt Relief Act of 2007.\u003c\/p\u003e \u003cp\u003eAppendix D. News Release from www.hud.org.\u003c\/p\u003e \u003cp\u003eAppendix E. Glossary.\u003c\/p\u003e \u003cp\u003eAppendix F. State Foreclosure Procedures Chart.\u003c\/p\u003e \u003cp\u003eAbout the Author.\u003c\/p\u003e \u003cp\u003eIndex. \u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49402310525271,"sku":"9780470267646","price":14.39,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780470267646.jpg?v=1730480027"},{"product_id":"buying-and-selling-a-home-for-dummies-9780470994481","title":"Buying and Selling a Home For Dummies","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eNo-one obsesses over property quite like the British, even though buying and selling a home can be a personal headache and a financial lucky-dip.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTrade Review\u003c\/b\u003e\u003cbr\u003eShe is adept at communicating money matters to the less fiscally clued-up, as demonstrated by the titles of her books.' (The Daily Telegraph, 7th April 2012)\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003cp\u003eIntroduction 1\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart I: So You Want to Buy Your First Home? 7\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 1: Why Getting Your Foot on the Property Ladder Is a Smart Move 9\u003c\/p\u003e \u003cp\u003eChapter 2: Deciding Whether You Can Afford to Buy and Getting the Timing Right 17\u003c\/p\u003e \u003cp\u003eChapter 3: Determining What You Want 25\u003c\/p\u003e \u003cp\u003eChapter 4: Dealing with Estate Agents 33\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart II: Finding the Right Property 41\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 5: Handling Viewings 43\u003c\/p\u003e \u003cp\u003eChapter 6: Looks Are Everything: Period Homes 55\u003c\/p\u003e \u003cp\u003eChapter 7: New and Self-Build: No Previous Owners 73\u003c\/p\u003e \u003cp\u003eChapter 8: Renovating Wrecks: Property In Need of Work 93\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart III: Making an Offer and Finding the Readies 109\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 9: Making an Offer: What Happens Next? 111\u003c\/p\u003e \u003cp\u003eChapter 10: Going, Going, Gone: Buying Property at Auction 127\u003c\/p\u003e \u003cp\u003eChapter 11: Getting a Mortgage 139\u003c\/p\u003e \u003cp\u003eChapter 12: Insurance: Ignore at Your Peril 169\u003c\/p\u003e \u003cp\u003eChapter 13: When Money’s Too Tight to Mention: Low Cost Routes to Homeownership 181\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart IV: Selling Your Home 189\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 14: Deciding When It’s the Right Time to Sell Your Home 191\u003c\/p\u003e \u003cp\u003eChapter 15: Creating the Right First Impression 201\u003c\/p\u003e \u003cp\u003eChapter 16: Using a Pro to Sell Your Home: Getting the Most from Estate Agents 211\u003c\/p\u003e \u003cp\u003eChapter 17: Going It Alone: Selling Your Property Privately 223\u003c\/p\u003e \u003cp\u003eChapter 18: Negotiating a Successful Sale 243\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart V: The Legal Process of Buying and Selling 255\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 19: Conveyancing for Buyers and Sellers in England, Wales, and Northern Ireland 257\u003c\/p\u003e \u003cp\u003eChapter 20: The Scottish House-Buying Process 277\u003c\/p\u003e \u003cp\u003eChapter 21: Selling Your Home in Scotland 289\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart VI: The Part of Tens 299\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 22: Ten Things for a First-Time Homeowner to Do 301\u003c\/p\u003e \u003cp\u003eChapter 23: Ten Ways to Sell Your Home 307\u003c\/p\u003e \u003cp\u003eChapter 24: Ten Tips on Dealing with Estate Agents 313\u003c\/p\u003e \u003cp\u003eAppendix: Resources 319\u003c\/p\u003e \u003cp\u003eIndex 325\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49402474463575,"sku":"9780470994481","price":16.99,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780470994481.jpg?v=1730480514"},{"product_id":"how-to-save-thousands-of-dollars-on-your-home-mortgage-9780471223276","title":"How to Save Thousands of Dollars on Your Home","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eFind The Home Mortgage That''s Right For You\u003cbr\u003e \u003cbr\u003e 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 u\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eForeword.\u003cbr\u003e \u003cbr\u003e Introduction.\u003cbr\u003e \u003cbr\u003e PART 1: BACKGROUND.\u003cbr\u003e \u003cbr\u003e The Structure of the Mortgage Industry.\u003cbr\u003e \u003cbr\u003e How Lenders Influence Borrowers' Choices.\u003cbr\u003e \u003cbr\u003e How Lenders Market Loans.\u003cbr\u003e \u003cbr\u003e How to Choose the Right Loan.\u003cbr\u003e \u003cbr\u003e KEY POINTS.\u003cbr\u003e \u003cbr\u003e For First-Time Home Buyers.\u003cbr\u003e \u003cbr\u003e PART 2: CHOOSING A LENDER AND GETTING APPROVED.\u003cbr\u003e \u003cbr\u003e Qualifying 101.\u003cbr\u003e \u003cbr\u003e Credit.\u003cbr\u003e \u003cbr\u003e Bank, S\u0026amp;L, or Broker?\u003cbr\u003e \u003cbr\u003e Shopping for a Loan and Negotiating with a Lender.\u003cbr\u003e \u003cbr\u003e APR, Buy-Downs, and Discount Points.\u003cbr\u003e \u003cbr\u003e What to Do When You Run into a Problem.\u003cbr\u003e \u003cbr\u003e QUALIFYING PROBLEMS.\u003cbr\u003e \u003cbr\u003e PART 3: LOCKING AND CLOSING.\u003cbr\u003e \u003cbr\u003e How Lenders Can Cheat Their Customers.\u003cbr\u003e \u003cbr\u003e Closing Costs, Lender Fees, and Other Fees.\u003cbr\u003e \u003cbr\u003e PART IV: ADVANCED TOPICS.\u003cbr\u003e \u003cbr\u003e Qualifying 201.\u003cbr\u003e \u003cbr\u003e Refinancing.\u003cbr\u003e \u003cbr\u003e Fifteen-Year Loans and Accelerated Payoffs.\u003cbr\u003e \u003cbr\u003e Equity Lines, Seconds, and Reverse Mortgages.\u003cbr\u003e \u003cbr\u003e No-Cost and Zero-Cost Loans.\u003cbr\u003e \u003cbr\u003e Technology: The Internet and Software.\u003cbr\u003e \u003cbr\u003e THE MORTGAGE INDUSTRY ON-LINE.\u003cbr\u003e \u003cbr\u003e Epilogue: On the Need for Reform and Other Thoughts.\u003cbr\u003e \u003cbr\u003e Appendix.\u003cbr\u003e \u003cbr\u003e Glossary.\u003cbr\u003e \u003cbr\u003e Index.","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49402530464087,"sku":"9780471223276","price":22.09,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780471223276.jpg?v=1730480684"},{"product_id":"how-to-make-money-with-real-estate-options-9780471692768","title":"How to Make Money With Real Estate Options","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eSpend like a miser, profit like a mogul\u003cbr\u003e \u003cbr\u003e Who says you have to spend money to make money?Savvy real estate investors follow the examples of Donald Trump and Walt Disney, turning substantial profits on properties without incurring the debt, risk, and maintenance costs of ownership--and now, so can you!\u003cbr\u003e \u003cbr\u003e In How to Make Money with Real Estate Options, real estate expert Thomas Lucier introduces you to the low-risk, high-yield investment vehicle that can earn big bucks even for small investors. Lucier explains what real estate options are, how they work, and why they are the tools of choice for thousands of successful investors. Step by step, he shows you how to:\u003cbr\u003e * Locate potential option properties using the Internet, want ads, and bird-dogs\u003cbr\u003e * Contact and negotiate with property owners\u003cbr\u003e * Perform due diligence and avoid options pitfalls\u003cbr\u003e * Prepare an option agreement that protects you\u003cbr\u003e * Insure real estate options with title insurance\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eLIST OF DOWNLOADABLE FORMS.  \u003cp\u003eINTRODUCTION: Real Estate Options: What They Are, How They Work, and Why You Should Use Them.\u003c\/p\u003e \u003cp\u003ePART I: HOW YOU CAN MAKE MONEY IN REAL ESTATE TODAY WITHOUT EVER BUYING ANY PROPERTY.\u003c\/p\u003e \u003cp\u003eCHAPTER 1: Why Real Estate Options Are Less Risky, More Profitable, and Easier to Use Than Most Property-Flipping Strategies Being Taught Today.\u003c\/p\u003e \u003cp\u003eCHAPTER 2: The Most Profitable Types of Properties to Buy Real Estate Options On.\u003c\/p\u003e \u003cp\u003eCHAPTER 3: What It Takes to Be a Profitable Real Estate Option Investor.\u003c\/p\u003e \u003cp\u003ePART II: FIVE REALISTIC STRATEGIES THAT YOU CAN USE TO MAKE MONEY WITH REAL ESTATE OPTIONS TODAY.\u003c\/p\u003e \u003cp\u003eCHAPTER 4: How You Can Use Options to Make Money from Obsolescent Properties That Can Be Put to More Profitable Uses.\u003c\/p\u003e \u003cp\u003eCHAPTER 5: How to Use the Lease and Option Strategy to Make Money with Single-Family Houses.\u003c\/p\u003e \u003cp\u003eCHAPTER 6: How You Can Use Options to Profit from Properties with Correctable Problems.\u003c\/p\u003e \u003cp\u003eCHAPTER 7: How to Use Options to Control Properties That Can Be Rezoned for More Profitable Uses.\u003c\/p\u003e \u003cp\u003eCHAPTER 8: How You Can Use the LASH Strategy to Profit from Long-Term, Flat-Rate Master Leases and Real Estate Options.\u003c\/p\u003e \u003cp\u003ePART III: A 12-STEP PROCESS FOR BUYING AND RESELLING REAL ESTATE OPTIONS.\u003c\/p\u003e \u003cp\u003eCHAPTER 9: How to Use the Internet, Property Wanted Ads, Bird Dogs, Finder ’s Fees, and Direct Mail to Locate Properties to Put under Option.\u003c\/p\u003e \u003cp\u003eCHAPTER 10: How to Perform Due Diligence on a Potential Option Property.\u003c\/p\u003e \u003cp\u003eCHAPTER 11: How to Thoroughly Inspect a Property before You Buy an Option to Purchase.\u003c\/p\u003e \u003cp\u003eCHAPTER 12: How to Accurately Estimate a Property’s Current Market Value.\u003c\/p\u003e \u003cp\u003eCHAPTER 13: How to Negotiate Low-Cost Options and Below-Market Purchase Prices with Property Owners.\u003c\/p\u003e \u003cp\u003eCHAPTER 14: How to Prepare Your Option Agreement So That You Are Fully Protected during the Option Period.\u003c\/p\u003e \u003cp\u003eCHAPTER 15: How to Use Title Insurance to Insure Real Estate Options.\u003c\/p\u003e \u003cp\u003eCHAPTER 16: Why All Property Title Transfer Documents Must Be Held in Escrow during the Option Period.\u003c\/p\u003e \u003cp\u003eCHAPTER 17: How to Close on the Purchase of a Real Estate Option.\u003c\/p\u003e \u003cp\u003eCHAPTER 18: How to Clean Up a Property under Option to Maximize Its Curb Appeal and Resale Value.\u003c\/p\u003e \u003cp\u003eCHAPTER 19: How to Package, Market, and Resell Your Real Estate Options for Maximum Profit.\u003c\/p\u003e \u003cp\u003eCHAPTER 20: How to Exercise Your Option and Buy the Property.\u003c\/p\u003e \u003cp\u003eRESOURCES.\u003c\/p\u003e \u003cp\u003eABOUT THE AUTHOR.\u003c\/p\u003e \u003cp\u003eINDEX.\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default Title","offer_id":49402655015255,"sku":"9780471692768","price":15.29,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780471692768.jpg?v=1730481133"},{"product_id":"the-preforeclosure-property-investors-kit-9780471692799","title":"The PreForeclosure Property Investors Kit","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003ePre-foreclosure real estate is one of the hottest investment opportunities on the market. \u003ci\u003eThe Pre-Foreclosure Property Investor?s Kit\u003c\/i\u003e offers step-by-step instruction and no-nonsense advice on how to find great deals, estimate fair market value, negotiate with sellers, sell your property on your own, and win big in real estate. You?ll learn how to get the best deals on foreclosure properties before they go to auction and utilize simple ready-made worksheets, checklists, forms, and agreements that make getting started easy. Even people of modest means can get into pre-foreclosure investing?all it takes is a little hard work, persistence, and the tools you?ll find in this handy guide.\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eDedication.  \u003cp\u003ePART I: GETTING STARTED AS A PROFITABLE PRE-FORECLOSURE INVESTOR.\u003c\/p\u003e \u003cp\u003eChapter 1: How You Can Make $60,000 a Year Investing in Pre-Foreclosure Properties Part-Time.\u003c\/p\u003e \u003cp\u003eChapter 2: Why Most Foreclosure Investment Strategies Being Taught Today Are Too Risky, Too Expensive, and Not Worth Doing.\u003c\/p\u003e \u003cp\u003eChapter 3: What Every Pre-Foreclosure Investor Needs to Know about Their State’s Foreclosure Statute.\u003c\/p\u003e \u003cp\u003eChapter 4: Everything You Need to Know about Existing Loans on Pre-Foreclosure Properties.\u003c\/p\u003e \u003cp\u003eChapter 5: How to Finance the Purchase of a Pre-Foreclosure Property.\u003c\/p\u003e \u003cp\u003eChapter 6: How to Get Started Right Now as a Profitable Pre-Foreclosure Property Investor.\u003c\/p\u003e \u003cp\u003ePART II: MY 14-STEP PROCESS FOR INVESTING IN PRE-FORECLOSURE PROPERTIES.\u003c\/p\u003e \u003cp\u003eChapter 7: How to Find Property Owners with Loans That Are in Default and Facing Foreclosure.\u003c\/p\u003e \u003cp\u003eChapter 8: How to Contact Property Owners in Foreclosure.\u003c\/p\u003e \u003cp\u003eChapter 9: How to Get the Lowdown on Loans in Default from Foreclosing Lenders.\u003c\/p\u003e \u003cp\u003eChapter 10: How to Perform Due Diligence on Pre-Foreclosure Properties.\u003c\/p\u003e \u003cp\u003eChapter 11: How to Thoroughly Inspect a Pre-Foreclosure Property.\u003c\/p\u003e \u003cp\u003eChapter 12: How to Accurately Estimate the Current Market Value of a Pre-Foreclosure Property.\u003c\/p\u003e \u003cp\u003eChapter 13: How to Negotiate with Property Owners in Foreclosure.\u003c\/p\u003e \u003cp\u003eChapter 14: How to Get Subordinate Lienholders to Discount Their Liens by 50 Percent or More.\u003c\/p\u003e \u003cp\u003eChapter 15: How to Negotiate with Foreclosing Lenders and Their Attorneys and Trustees.\u003c\/p\u003e \u003cp\u003eChapter 16: How to Do a Short Payoff Sale on Properties with Little or No Equity.\u003c\/p\u003e \u003cp\u003eChapter 17: How to Prepare Your Purchase Agreements.\u003c\/p\u003e \u003cp\u003eChapter 18: How to Close on the Purchase of a Pre-Foreclosure Property.\u003c\/p\u003e \u003cp\u003eChapter 19: How to Fix Up Pre-Foreclosures for Maximum Curb Appeal and Resale Value.\u003c\/p\u003e \u003cp\u003eChapter 20: How to Package, Market, and Resell Pre-Foreclosures for Maximum Profit.\u003c\/p\u003e \u003cp\u003eResources: Pre-Foreclosure Property Investor Resources Online.\u003c\/p\u003e \u003cp\u003eAbout the Author.\u003c\/p\u003e \u003cp\u003eIndex.\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default 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Title","offer_id":49404813902167,"sku":"9780762468539","price":22.5,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780762468539.jpg?v=1730487717"},{"product_id":"buying-a-home-on-a-budget-for-dummies-uk-9780764570353","title":"Buying a Home on a Budget For Dummies  UK","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTrade Review\u003c\/b\u003e\u003cbr\u003e“…easy to understand advice for first-time buyers looking to get on the property ladder…” (Southampton Daily Echo, 6\u003csup\u003eth\u003c\/sup\u003e October 04)  \u003cp\u003e“…packed with invaluable tips and insider advice…empowering guide…” (North East House Hunter, 15\u003csup\u003eth\u003c\/sup\u003e October 04)\u003c\/p\u003e \u003cp\u003e“...First-time buyers ... can now turn to a book for help...simple yet comprehensive...” (Daily Record, 13\u003csup\u003eth\u003c\/sup\u003e November 2004). \u003c\/p\u003e \u003cp\u003e“…shows you how to buy your first home, without borrowing more than you can afford…” (moneywise, March 05)\u003c\/p\u003e \u003cp\u003e \u003c\/p\u003e\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003eIntroduction.  \u003cp\u003e\u003cb\u003ePart I: Stepping onto the Property Ladder.\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 1: Becoming a Homeowner – Even If Money Is Tight.\u003c\/p\u003e \u003cp\u003eChapter 2: Doing Sums: Looking at Financial Aspects.\u003c\/p\u003e \u003cp\u003eChapter 3: Finding Budget-Friendly Dwellings and Neighbourhoods.\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart II: Show Me the Money!\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eChapter 4: Negotiating the Mortgage Maze.\u003c\/p\u003e \u003cp\u003eChapter 5: Getting a Mortgage with a Guarantor.\u003c\/p\u003e \u003cp\u003eChapter 6: Making the Most of Being a First-Time Buyer.\u003c\/p\u003e \u003cp\u003eChapter 7: Using Your Future 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Way","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eProvides step-by-step instructions and detailed plans for building a moderate-sized, two-story log home from a pre-cut manufacturer's kit or from freshly cut logs, proceeding from  site selection to finishing work and maintenance tips.","brand":"Workman Publishing","offers":[{"title":"Default Title","offer_id":49406457184599,"sku":"9780882663999","price":16.14,"currency_code":"GBP","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0817\/1739\/5799\/files\/9780882663999.jpg?v=1730495885"},{"product_id":"mortgage-management-for-dummies-9781119387794","title":"Mortgage Management For Dummies","description":"\u003cb\u003eBook Synopsis\u003c\/b\u003e\u003cbr\u003eQuickly 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 fastershortening your payment schedule and saving your hard-earned cash.    Fine-tune your financesQualify for a mortgageSecure the best loanFind your best lenderRefinance your mortgagePay down your loan quickerMust-knows about foreclosureTop mortgage no-nos\u003cbr\u003e\u003cbr\u003e\u003cb\u003eTable of Contents\u003c\/b\u003e\u003cbr\u003e\u003cp\u003e\u003cb\u003eIntroduction\u003c\/b\u003e\u003cb\u003e 1\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eHow This Book is Different 1\u003c\/p\u003e \u003cp\u003eFoolish Assumptions 2\u003c\/p\u003e \u003cp\u003eIcons Used in This Book 3\u003c\/p\u003e \u003cp\u003eBeyond the Book 3\u003c\/p\u003e \u003cp\u003eWhere to Go from Here 3\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 1: Getting Started with Mortgages \u003c\/b\u003e\u003cb\u003e5\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 1: Determining Your Borrowing Power\u003c\/b\u003e\u003cb\u003e 7\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eOnly You Can Determine the Mortgage Debt You Can Afford 8\u003c\/p\u003e \u003cp\u003eAcknowledge your need to save 8\u003c\/p\u003e \u003cp\u003eCollect your spending data 9\u003c\/p\u003e \u003cp\u003eDetermine Your Potential Homeownership Expenses 10\u003c\/p\u003e \u003cp\u003eMaking your mortgage payments 10\u003c\/p\u003e \u003cp\u003ePaying property taxes 12\u003c\/p\u003e \u003cp\u003eTracking your tax write-offs 13\u003c\/p\u003e \u003cp\u003eInvesting in insurance 14\u003c\/p\u003e \u003cp\u003eBudgeting for closing costs 14\u003c\/p\u003e \u003cp\u003eManaging maintenance costs 17\u003c\/p\u003e \u003cp\u003eFinancing home improvements and such 17\u003c\/p\u003e \u003cp\u003eConsider the Impact of a New House on Your Financial Future 17\u003c\/p\u003e \u003cp\u003eActing upon your spending analysis 21\u003c\/p\u003e \u003cp\u003eEstablishing financial goals 22\u003c\/p\u003e \u003cp\u003eMaking down-payment decisions 23\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 2: Qualifying for a Mortgage\u003c\/b\u003e\u003cb\u003e 25\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eGetting Preapproved for a Loan 25\u003c\/p\u003e \u003cp\u003eThe worst-case scenario 26\u003c\/p\u003e \u003cp\u003eLoan prequalification usually isn’t good enough 26\u003c\/p\u003e \u003cp\u003eLoan preapproval is the way to go 27\u003c\/p\u003e \u003cp\u003eEvaluating Your Creditworthiness: The Underwriting Process 28\u003c\/p\u003e \u003cp\u003eTraditional underwriting guidelines 29\u003c\/p\u003e \u003cp\u003eNew underwriting technology 32\u003c\/p\u003e \u003cp\u003eEyeing Predicament-Solving Strategies 34\u003c\/p\u003e \u003cp\u003eInsufficient cash for a down payment 34\u003c\/p\u003e \u003cp\u003eExcessive indebtedness 38\u003c\/p\u003e \u003cp\u003eInsufficient income 39\u003c\/p\u003e \u003cp\u003eCredit blemishes 40\u003c\/p\u003e \u003cp\u003eLow appraisals 41\u003c\/p\u003e \u003cp\u003eProblem properties 45\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 3: Scoping Out Your Credit Score\u003c\/b\u003e\u003cb\u003e 47\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDefining Credit Scores 48\u003c\/p\u003e \u003cp\u003eAssessing Your Credit History 48\u003c\/p\u003e \u003cp\u003eWhat goes into your credit report 49\u003c\/p\u003e \u003cp\u003eCheck your credit report 50\u003c\/p\u003e \u003cp\u003eUnderstanding How Scores Work 51\u003c\/p\u003e \u003cp\u003eFICO scores can differ between bureaus 51\u003c\/p\u003e \u003cp\u003eWhat a FICO score considers 52\u003c\/p\u003e \u003cp\u003eWhat FICO scores ignore 60\u003c\/p\u003e \u003cp\u003eInterpreting scores 61\u003c\/p\u003e \u003cp\u003eGetting your score 61\u003c\/p\u003e \u003cp\u003eManaging your score 62\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 2: Locating a Loan \u003c\/b\u003e\u003cb\u003e63\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 4: Fathoming the Fundamentals\u003c\/b\u003e\u003cb\u003e 65\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eGrasping Loan Basics: Principal, Interest, Term, and Amortization 66\u003c\/p\u003e \u003cp\u003eDeciphering Mortgage Lingo 67\u003c\/p\u003e \u003cp\u003eSo what’s a mortgage? 67\u003c\/p\u003e \u003cp\u003eHow to scrutinize security instruments 68\u003c\/p\u003e \u003cp\u003eEyeing Classic Mortgage Jargon Duets 70\u003c\/p\u003e \u003cp\u003eFixed or adjustable loans 70\u003c\/p\u003e \u003cp\u003eGovernment or conventional loans 71\u003c\/p\u003e \u003cp\u003ePrimary or secondary mortgage market 72\u003c\/p\u003e \u003cp\u003eConforming or jumbo loans 74\u003c\/p\u003e \u003cp\u003eLong-term or short-term mortgages 75\u003c\/p\u003e \u003cp\u003eIntroducing the Punitive Ps 76\u003c\/p\u003e \u003cp\u003ePrepayment penalties 76\u003c\/p\u003e \u003cp\u003ePrivate mortgage insurance (PMI) 78\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 5: Selecting the Best Home Purchase Loan\u003c\/b\u003e\u003cb\u003e 81\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eThree Questions to Help You Pick the Right Mortgage 82\u003c\/p\u003e \u003cp\u003eHow long do you plan to keep your mortgage? 82\u003c\/p\u003e \u003cp\u003eHow much financial risk can you accept? 83\u003c\/p\u003e \u003cp\u003eHow much money do you need? 84\u003c\/p\u003e \u003cp\u003eFixed-Rate Mortgages: No Surprises 85\u003c\/p\u003e \u003cp\u003eAdjustable-Rate Mortgages (ARMs) 87\u003c\/p\u003e \u003cp\u003eHow an ARM’s interest rate is determined 88\u003c\/p\u003e \u003cp\u003eHow often does the interest rate adjust? 92\u003c\/p\u003e \u003cp\u003eWhat are the limits on rate adjustments? 92\u003c\/p\u003e \u003cp\u003eDoes the loan have negative amortization? 93\u003c\/p\u003e \u003cp\u003eFine-Tuning Your Thought Process 96\u003c\/p\u003e \u003cp\u003eFinding funds 96\u003c\/p\u003e \u003cp\u003eMaking the 30-year versus 15-year mortgage decision 97\u003c\/p\u003e \u003cp\u003eGetting a Loan When Rates Are High 98\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 6: Surveying Special Situation Loans\u003c\/b\u003e\u003cb\u003e 99\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eUnderstanding Home Equity Loans 100\u003c\/p\u003e \u003cp\u003eUsing home equity loans 100\u003c\/p\u003e \u003cp\u003eOperating instructions 101\u003c\/p\u003e \u003cp\u003eConsidering tax consequences 103\u003c\/p\u003e \u003cp\u003eEyeing 100 Percent Home Equity Loans 104\u003c\/p\u003e \u003cp\u003eTaking a Closer Look at Co-Op Loans 107\u003c\/p\u003e \u003cp\u003eIdentifying the legal structure of co-op loans 107\u003c\/p\u003e \u003cp\u003eDealing with deal-killing directors 108\u003c\/p\u003e \u003cp\u003eTracking down a loan 109\u003c\/p\u003e \u003cp\u003eGrasping Balloon Loans 110\u003c\/p\u003e \u003cp\u003e80-10-10 financing 110\u003c\/p\u003e \u003cp\u003eBridge loans 114\u003c\/p\u003e \u003cp\u003eConstruction loans 115\u003c\/p\u003e \u003cp\u003eRenovation\/remodel loans 116\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 3: Landing a Lender\u003c\/b\u003e\u003cb\u003e 117\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 7: Finding Your Best Lender\u003c\/b\u003e\u003cb\u003e 119\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eGoing with a Mortgage Broker or Direct Lender? 120\u003c\/p\u003e \u003cp\u003eConsiderations when using brokers 120\u003c\/p\u003e \u003cp\u003eDeveloping a list of brokers and lenders 122\u003c\/p\u003e \u003cp\u003eInterviewing and working with mortgage brokers 124\u003c\/p\u003e \u003cp\u003eFiguring out how to interview lenders 125\u003c\/p\u003e \u003cp\u003eSeller Financing: The Trials and Tribulations 127\u003c\/p\u003e \u003cp\u003eConsidering\/soliciting seller financing 127\u003c\/p\u003e \u003cp\u003eOvercoming borrower problems 128\u003c\/p\u003e \u003cp\u003eNegotiating loan terms 128\u003c\/p\u003e \u003cp\u003eDeciding whether to provide seller financing 129\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 8: Searching for Mortgage Information Online\u003c\/b\u003e\u003cb\u003e 131\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eObeying Our Safe Surfing Tips 132\u003c\/p\u003e \u003cp\u003eShop to find out about rates and programs 132\u003c\/p\u003e \u003cp\u003eQuality control is often insufficient 133\u003c\/p\u003e \u003cp\u003eBeware simplistic affordability calculators 133\u003c\/p\u003e \u003cp\u003eDon’t reveal confidential information unless 133\u003c\/p\u003e \u003cp\u003eBe sure to shop offline 134\u003c\/p\u003e \u003cp\u003eBeware of paid advertising masquerading as directories 135\u003c\/p\u003e \u003cp\u003ePerusing Our Recommended Mortgage Websites 136\u003c\/p\u003e \u003cp\u003eUseful government sites 136\u003c\/p\u003e \u003cp\u003eMortgage information and shopping sites 138\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 9: Choosing Your Preferred Mortgage\u003c\/b\u003e\u003cb\u003e 141\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eTaking a Look at Loan Fees 142\u003c\/p\u003e \u003cp\u003eThe point and interest rate tradeoff 142\u003c\/p\u003e \u003cp\u003eAnnual percentage rates 144\u003c\/p\u003e \u003cp\u003eOther lender fees 145\u003c\/p\u003e \u003cp\u003eAvoiding Dangerous Loan Features 147\u003c\/p\u003e \u003cp\u003ePrepayment penalties 147\u003c\/p\u003e \u003cp\u003eNegative amortization 148\u003c\/p\u003e \u003cp\u003eComparing Lenders’ Programs 149\u003c\/p\u003e \u003cp\u003eFixed-rate mortgages interview worksheet 149\u003c\/p\u003e \u003cp\u003eAdjustable-rate mortgages interview worksheet 153\u003c\/p\u003e \u003cp\u003eApplying with One or More Lenders 158\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 10: Managing Mortgage Paperwork\u003c\/b\u003e\u003cb\u003e 159\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003ePounding the Paperwork 159\u003c\/p\u003e \u003cp\u003eFilling Out the Uniform Residential Loan Application 162\u003c\/p\u003e \u003cp\u003e1 Borrower information 162\u003c\/p\u003e \u003cp\u003e2 Financial information — assets and liabilities 166\u003c\/p\u003e \u003cp\u003e3 Financial information — real estate 167\u003c\/p\u003e \u003cp\u003e4 Loan and property information 168\u003c\/p\u003e \u003cp\u003e5 Declarations 170\u003c\/p\u003e \u003cp\u003e6 Acknowledgments and agreements 170\u003c\/p\u003e \u003cp\u003e7 Demographic information 172\u003c\/p\u003e \u003cp\u003eIntroducing Other Typical Documents 173\u003c\/p\u003e \u003cp\u003eYour right to receive a copy of the appraisal 173\u003c\/p\u003e \u003cp\u003eEqual Credit Opportunity Act 175\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 4: Profiting from Smart Mortgage Strategies\u003c\/b\u003e\u003cb\u003e 177\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 11: Refinancing Your Mortgage\u003c\/b\u003e\u003cb\u003e 179\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eRefinancing Rationales 180\u003c\/p\u003e \u003cp\u003eCost-Cutting Refinances 181\u003c\/p\u003e \u003cp\u003eApplying the 2 percent rule 182\u003c\/p\u003e \u003cp\u003eCrunching the numbers 183\u003c\/p\u003e \u003cp\u003eRestructuring Refinances 186\u003c\/p\u003e \u003cp\u003eRestructuring when you need to 186\u003c\/p\u003e \u003cp\u003eGetting a fixed-rate to avoid ARM phobia 188\u003c\/p\u003e \u003cp\u003eResetting ARM caps 188\u003c\/p\u003e \u003cp\u003eChoosing the fast-forward mortgage 190\u003c\/p\u003e \u003cp\u003eCash-Out Refinances 190\u003c\/p\u003e \u003cp\u003eExpediting Your Refi 192\u003c\/p\u003e \u003cp\u003eBeating Borrower’s Remorse 194\u003c\/p\u003e \u003cp\u003ePhase I borrower’s remorse 194\u003c\/p\u003e \u003cp\u003ePhase II borrower’s remorse 195\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 12: Paying Down Your Mortgage Quicker\u003c\/b\u003e\u003cb\u003e 197\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eOne Size Doesn’t Fit All 198\u003c\/p\u003e \u003cp\u003eInterest savings: The benefit of paying off your mortgage quicker 198\u003c\/p\u003e \u003cp\u003eQuantifying the missed opportunity to invest those extra payments 198\u003c\/p\u003e \u003cp\u003eTaxes matter but less than you think 199\u003c\/p\u003e \u003cp\u003eDeciding Whether to Repay Your Mortgage Faster 200\u003c\/p\u003e \u003cp\u003eDoes your mortgage have a prepayment penalty? 201\u003c\/p\u003e \u003cp\u003eHow liquid are your assets? 201\u003c\/p\u003e \u003cp\u003eHave you funded retirement savings accounts? 201\u003c\/p\u003e \u003cp\u003eHow aggressive an investor are you? 202\u003c\/p\u003e \u003cp\u003eWhat are your refinancing options? 203\u003c\/p\u003e \u003cp\u003eConsidering psychological and nonfinancial issues 203\u003c\/p\u003e \u003cp\u003eDeveloping Your Payoff Plan 204\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 13: Reverse Mortgages for Retirement Income\u003c\/b\u003e\u003cb\u003e 205\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eGrasping the Reverse Mortgage Basics 205\u003c\/p\u003e \u003cp\u003eConsidering common objections 207\u003c\/p\u003e \u003cp\u003eWho can get a reverse mortgage? 208\u003c\/p\u003e \u003cp\u003eHow much money can you get and when? 209\u003c\/p\u003e \u003cp\u003eWhen do you pay the money back? 210\u003c\/p\u003e \u003cp\u003eWhat do you owe? 211\u003c\/p\u003e \u003cp\u003eHow is the loan repaid? 212\u003c\/p\u003e \u003cp\u003eWhat’s the out-of-pocket cost of getting a reverse mortgage? 212\u003c\/p\u003e \u003cp\u003eWhat are the other reverse mortgage costs? 213\u003c\/p\u003e \u003cp\u003eWhat’s the total annual rate? 214\u003c\/p\u003e \u003cp\u003eHow do reverse mortgages affect your government-sponsored benefits? 215\u003c\/p\u003e \u003cp\u003eShopping for a Reverse Mortgage 215\u003c\/p\u003e \u003cp\u003eMaking major choices 216\u003c\/p\u003e \u003cp\u003eCounseling 217\u003c\/p\u003e \u003cp\u003eDeciding Whether You Want a Reverse Mortgage 217\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 5: The Part of Tens\u003c\/b\u003e\u003cb\u003e 219\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 14: Ten-Plus “Must-Knows” About Foreclosure\u003c\/b\u003e\u003cb\u003e 221\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDeal with Reality 222\u003c\/p\u003e \u003cp\u003eReview Your Spending and Debts 223\u003c\/p\u003e \u003cp\u003eBeware of Foreclosure Scams 223\u003c\/p\u003e \u003cp\u003eConsider Tapping Other Assets 223\u003c\/p\u003e \u003cp\u003eMake Use of Objective Counseling 224\u003c\/p\u003e \u003cp\u003eNegotiate with Your Lender 224\u003c\/p\u003e \u003cp\u003eUnderstand Short Sales 225\u003c\/p\u003e \u003cp\u003eSeek Legal and Tax Advice 225\u003c\/p\u003e \u003cp\u003eUnderstand Bankruptcy 226\u003c\/p\u003e \u003cp\u003eConsider the Future Impact to Your Credit Report 226\u003c\/p\u003e \u003cp\u003eUnderstand the Realities of Investing in Foreclosed Property 228\u003c\/p\u003e \u003cp\u003e\u003cb\u003eChapter 15: Ten Mortgage No-Nos\u003c\/b\u003e\u003cb\u003e 229\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eDon’t Let Lenders Tell You What You Can Afford 229\u003c\/p\u003e \u003cp\u003eNever Confuse Loan Prequalification with Preapproval 230\u003c\/p\u003e \u003cp\u003eAvoid Loans with Prepayment Penalties 231\u003c\/p\u003e \u003cp\u003eDon’t Reflexively Grab a Fixed-Rate Mortgage 231\u003c\/p\u003e \u003cp\u003eSteer Clear of Toxic 100 Percent Home Equity Loans 232\u003c\/p\u003e \u003cp\u003eWatch Out for Mortgage Brokers with Hidden Agendas 233\u003c\/p\u003e \u003cp\u003eShun Negative Amortization Mortgages 234\u003c\/p\u003e \u003cp\u003eDon’t Let the 2 Percent Rule Bully You When Refinancing 234\u003c\/p\u003e \u003cp\u003eDon’t Assume That All Reverse Mortgages Are the Same or Bad 235\u003c\/p\u003e \u003cp\u003eAvoid Mortgage Life Insurance 235\u003c\/p\u003e \u003cp\u003e\u003cb\u003ePart 6: Appendixes \u003c\/b\u003e\u003cb\u003e237\u003c\/b\u003e\u003c\/p\u003e \u003cp\u003eAppendix A: Loan Amortization Table 239\u003c\/p\u003e \u003cp\u003eAppendix B: Remaining Balance Tables 245\u003c\/p\u003e \u003cp\u003eAppendix C: Glossary 271\u003c\/p\u003e \u003cp\u003eIndex 281\u003c\/p\u003e","brand":"John Wiley \u0026 Sons Inc","offers":[{"title":"Default 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