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More About This Title How to Save Thousands of Dollars on Your Home Mortgage
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The Structure of the Mortgage Industry.
How Lenders Influence Borrowers' Choices.
How Lenders Market Loans.
How to Choose the Right Loan.
For First-Time Home Buyers.
The Lowdown on ARMs.
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.
LOCKING AND CLOSING.
How Lenders Can Cheat Their Customers.
Closing Costs, Lender Fees, and Other Fees.
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.
Epilogue: On The Need for Reform and Other Thoughts.
Appendix.
Glossary.
Index.