So You Want to Refinance: An Insiders Guide to Refinancing Adjustable Rate Mortgages and Home Loans

Are you paying more than you need to?

In this book a mortgage lending insider reveals her answer to this question – and more – in her best selling So You Want to Refinance. If you are baffled by the dizzying array of mortgage companies, sales pitches, and loan products, this book is for you. The book walks you through each step of the loan process in easy-to-understand language to help you make an informed decision that’s good for YOU-not for your loan officer. The book explains how to asses and rebuild your credit score, accurately calculate the equity in your home, and how to make sure that you present your situation in the best possible light. More than just an introduction to getting a home loan – this book will show you how to get the best deal possible. This book is a must-have for any current or potential homeowner thinking of refinancing.

Key topics include:

-Refinancing Adjustable Rate Mortgages (ARMS)
-Understanding Broker Incentives
-Getting the Best Appraisal -Processing and Underwriting
-Cleaning up your Credit Report
-Signing Tips, Tricks, and Negotiation Strategies

Rating: (out of 2 reviews)

List Price: $ 16.95
Price: $ 15.25

So You Want to Refinance: An Insiders Guide to Refinancing Adjustable Rate Mortgages and Home Loans

“A must-have for any home owner looking to refinance” –Terri Williams, Homeowner

Are you paying more than you need to? In this book a mortgage lending insider reveals her answer to this question – and more – in her best selling So You Want to Refinance. If you are baffled by the dizzying array of mortgage companies, sales pitches, and loan products, this book is for you. The book walks you through each step of the loan process in easy-to-understand language to help you make an informed decision that’s good for YOU—not for your loan officer. The book explains how to asses and rebuild your credit score, accurately calculate the equity in your home, and how to make sure that you present your situation in the best possible light. More than just an introduction to getting a home loan – this book will show you how to get the best deal possible. This book is a must-have for any current or potential homeowner thinking of refinancing. Key topics include:

-Refinancing Adjustable Rate Mortgages (ARMS)
-Understanding Broker Incentives
-Getting the Best Appraisal
-Processing and Underwriting
-Cleaning up your Credit Report
-Signing Tips, Tricks, and Negotiation Strategies

Rating: (out of 2 reviews)

List Price: $ 9.99
Price:

Calculated Industries 3415 Qualifier Plus IIIX Real Estate Finance Calculator

Let the Qualifier Plus IIIx put answers to all your financing problems at your fingertips! Gain instant access to PITI and Interest-Only Payments or figure out the Blended Rate and Payment for Combo Loans. Carry it with you on appointments with clients, a

• Versatile buyer pre-qualifying for conventional and FHA/VA loans to show homes within price range
• Complete PITI payment solutions to demonstrate interest only and other “What If” scenarios
• Amortization with remaining balances
• Calculate combo loans (80:10:10 and 80:15:05), bi-weekly loans, ARMs provide flexible payment options
• Easy rent vs. buy comparisons and estimated tax savings show benefits of ownership

Rating: (out of 22 reviews)

List Price: $ 64.95
Price: $ 45.00

How to Modify Your Home Loan Yourself

John Ulzheimer’s, a Credit Expert formerly with Equifax and FICO, Do-it-yourself Loan Modification Kit. The kit includes a Step By Step instructional DVD, easy to use LoanMODulator Software, Loan Modification Forms and 24/7 Customer Support. To view a trailor of the DVD and commenly asked questions log onto www.LoanModDVD.com.

• Comprehensive Step by Step DVD guide on how to modify you loan
• Online LoanMODulator Software
• Sample Forms ex. Hardship Letter, Proposal Worksheet
• Individually customized Income and Expense Worksheet
• Inside tips to using your Legal Rights witout paying thousands to an attorney!

Price: $ 37.99

Stop Home Foreclosure Now 2009

Just look at some of what you will get:
You’ll get all you need to stop your foreclosure in less than one week, no matter how deeply in foreclosure you are. You will get all the secrets your mortgage company don’t want you to know. You will get little secrets they use in the negotiations. These secrets will help you take over control of the negotiations. You will be the one who will have the control.
The six magic words you have to say to your lender and they will reveal you all their stop foreclosure programs and plans.
You will learn why most of foreclosure assistance sites are worthless. Don’t send them a dime. Why paying them a lot of money? You can stop your foreclosure yourself in less than one week. Just do what I said to you in my manual.

You will learn how to get your house back even AFTER the Sheriff’s sale? Yes, in many states you can get your house back even after foreclosure sale.

I will show you my secret technique to access your 401(k) or IRA money without paying any penalties or taxes on the money. You can do it EVEN IF you’re unemployed. Not many people know that. You can’t get a loan? I’m sure you can’t! But, I’ll give you a company which approves more people than anyone else. I’ll tell you exactly what to say (or not say) during the application process. But that’s not all! I’ll reveal several OTHER sources of funding that require no credit check at all. Yes, everybody could probably get approved for these loans!
If you already gave up and ready to abandon your home, there is still possibility to keep the foreclosure black mark out of your credit report. You will find out how

• I will give you foolproof formula I personally used to save my and my friend home from foreclosure.
• Have you missed some of the payments on your mortgage and your lender is now threatening foreclosure on your home?
• You are afraid to pick up your phone because bill collector calls you every day?
• Are you are scared when you see a stranger on your front step.
• If the answer is YES to any of the above questions, then you have come to the right place!

List Price: $ 49.95
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How to Save Thousands of Dollars on Your Home Mortgage

Few home owners are aware of all the types of mortgages available to them. This very reader-friendly resource enables them to explore the many alternatives that are out there–and save a sizable amount of money in the process.

Rating: (out of 34 reviews)

List Price: $ 19.95
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How to Save Thousands of Dollars on Your Home Mortgage Reviews

Review by BookGuy:

This is one of the books I bought when I bought my first house. It’s a fine reference source if you want to know what all the different mortgage options are (e.g., what’s the difference between a fixed-rate mortgage and an adjustable-rate mortgage, what indexes are ARMs tied to, etc.). And the author–Randy Johnson–makes honest recommendations on which mortgages best suit certain typical lifestyles or income scenarios. Also, one of the books great strengths is the discussion of how many discount points to pay. The one thing I found missing, though*, was at least one real-world scenario that you’re likely to see used if you visit a mortgage broker in my neck of the woods [Silicon Valley], or other high-priced regions. And that is the use of a ‘first’ and a ‘second’ mortgage in a so-called “piggyback financing” or “80-10-10 financing” arrangement which can help you eliminate Private Mortgage Insurance (PMI). There’s no in-depth discussion of this technique–which is very common–which I found incredible. There’s all this advice on getting an ARM tied to the CD index vs. the LIBOR index with a balloon payment if you stay in your house for 3 years instead of 10 years and so on and so forth…but nothing about getting a conforming, fixed-rate, 30-year first mortgage and a smaller second in a technique to reduce your overall payments during the lives of the loans. It’s a simple technique, and very worth a detailed analysis, but I couldn’t find it. Anyway, like I said, if you want to know esoteric information about mortgages, then this is a worthy book. It helped me, it’s just a little shy of a full-fledged 5-star effort.*Please Note: The review written above pertained to the 1st edition which I initially gave a 4-star rating. The second edition–which I now own also–has effectively covered “Piggyback” loans (i.e, 80-10-10 transactions), which I think propels this book into a solid 5-star work. The second edition also has updated information on shopping for a mortgage on the Internet, and some [though not all] of the examples that show different types of mortgages have had their interest rates brought more into line with present-day (i.e., 2002) rates. This is an excellent book for folks who want to know all about mortgages.

Review by Sadiqa L. Dickens:

Randy Johnson is very informative and contains alot of useful information…once you understand what he is trying to explain. In my opinion this is not the book to read if you have absolutely NO idea how the mortgage process works and how and what lenders do in that process. If you are a total novice , the terminology Mr. Johnson throws around may sound very cryptic; and his examples might make sense to you if you were either a finance major in college or have some minor experience with terms of finance. In my opinon, the total novice should read another book for the basics before coming to this one . I recommend Eric Tyson’s Mortgages For Dummies. It is very concise, clear, easy to understand and concentrates solely on the basics. After you have acquired some basic knowledge of the lending process, then come back to Mr.Johsnon for some serious nuts and bolts tips and strategies. To me, that is the best way to maximize the insider info and stratagies mapped out in Mr. Johnson’s book. However, for those of you versed in the lending lingo and who have been around the block a time or two when it comes to the home buying process, this book is definitely a must read. You need look no further for info that really will help you to save money on your next loan or refinance(but I still recommend MFDs , it can compliment or elaborate on alot of the info mentioned in Randy’s book). So, all in all, a good read for the novice and for the semi-pro.

Buy How to Save Thousands of Dollars on Your Home Mortgage now for only !

FEDERAL HOME LOAN MORTGAGE CORP.: International Competitive Benchmarks and Financial Gap Analysis (Financial Performance Series)

The goal of this report is to assist managers in gauging a company’s financial performance vis–vis firms competing in the same sector, at the global level. In particular, this report covers FEDERAL HOME LOAN MORTGAGE CORP., MCLEAN, USA. With the globalization of markets, greater foreign competition, and the reduction of entry barriers, it becomes all the more important to benchmark a company’s performance against other firms on a worldwide basis. Doing so, however, is not an obvious task. First, one needs to find firms competing in the same sector. Second, one needs to control for exchange rate volatility. Finally, one needs use comparable financial standards. This report overcomes these issues and gives full financial benchmarks vis–vis worldwide competitors who are present in the same narrow industrial classification. Benchmarks cover assets, liabilities, income and ratios. Since our reports are printed on demand, the figures available are for the latest quarter and are the most up to date available (4 reports are produced each year).

List Price: $ 210.00
Price: $ 210.00

Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan

With mortgage stories dominating the front-page news, people–whether they’re buying a new house or refinancing–increasingly have questions about the complicated issues at stake. Arranged in an easily accessible question-and-answer format, Mortgages 101 provides readers with essential lending formulas, as well as important information on lending requirements and appli­ca­tion procedures. The book shows readers how to save money by: understanding key terms like ARMs and hybrids–and reading what’s in the fine print * improving their credit scores to increase their borrowing power * using technology to get the lowest interest rates * maximizing their return on investment, and cutting the cost of mortgage insurance This revised edition includes up-to-date material on new loan and government programs, changes to the law regarding tax deductions, down payment assistance, reverse mortgages, bankruptcy, negative amortization and more–in short, all the answers readers need, in one must-have reference.

Rating: (out of 18 reviews)

List Price: $ 16.95
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