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

From the Publisher

"A must-have for any home owner looking to refinance" -
Terri Williams, Homeowner

All About Mortgages: Insider Tips to Finance or Refinance Your Home in Today's Economy

There are so many types of mortgages and a lot of people find out the  hard way which mortgages are not right for them. The good news is, for many homeowners, there is still time to make things right. You can refinance or modify your loan and avoid foreclosure if you are finding it hard to keep paying the current mortgage payments. But, even refinancing or loan modification can be tricky. You absolutely must find out all your options and make sure you what the consequences of getting each type or mortgage are. After all, you cannot afford to make another mistake. This book called All About Mortgages: Insider Tips to Finance or Refinance Your Home in Today's Economy gives you insights into mortgages for anyone wanting to refinance, modify their mortgage loans or just wanting to understand what are out there. If you want to find a realtor to help you or to give you more information, here is a free service that can help you find your realtor.

Find and compare top, affordable listing agents

Due to new hybrid loans abounding and interest rates increasing from bargain basement levels, millions of consumers who are either seeking a new mortgage or are interested in refinancing their existing mortgages are clamoring for an updated easy-to-follow guide to take them through the complex world of mortgages.

In All About Mortgages, 4th Edition, author Julie Garton-Good, the sole three-time recipient of the prestigious international “Real Estate Educator of the Year” award from the Real Estate Educators’ Association, provides a road map for consumers through the harrowing twists and turns of obtaining a home mortgage. Garton-Good will help consumers select the right mortgage for their needs, giving them the keys to save thousands of dollars. Approximately 25% of this new edition is updated, including new information on hybrid loans, foreclosure alternatives, and more. Now more than ever, it’s essential for consumers to be well informed about their mortgage options.

About the Author
Julie Garton-Good is the author of six real estate books and has penned a syndicated newspaper column weekly for nearly two decades. She is the only woman listed twice on the National Association of REALTORS® “Twenty-five Most Influential People” list and has made appearances on CNBC, Lifetime Network, and numerous other public television and radio shows.

Mortgage Encyclopedia: An Authoritative Guide to Mortgage Programs, Practices, Prices and Pitfalls is an extraordinary piece of work that provides valuable information for mortgage professionals as well as homeowners who are interested in making sure that they know all about what kinds of mortgages are available and what mortgages they are getting into. If you already have a 'bad' mortgage and you are in foreclosure, this book will tell you what other types of mortgages are and what you need to avoid if you were to refinance or modify your loan.

No mortgage professional should be without this book. There is value on every single page. You'll keep turning the pages and you'll be amazed at how much you learn.

A one-stop reference for in-depth explanations of mortgage topics

With the creation of so many new, complex mortgage programs, it's difficult for consumers --not to mention real estate agents, attorneys, closing agents, and mortgage brokers--to keep track of them all. Written by nationally syndicated real estate columnist Jack Guttentag, The Mortgage Encyclopedia helps readers understand the various mortgage terms, features, and options by offering clear, precise explanations. The alphabetical organization of terms makes it easy to quickly find information on any topic, from FHA, Investor, and No-PMI Loans to Origination Fee and Rate Float. Each entry includes not just a description of the term, but also relevant advice for consumers, such as answers to the questions "Is this loan right for me?" and "Can I negotiate this fee?"

• Guides readers through the bewildering array of new mortgage programs
• Features definitions and explanations of common mortgage, escrow, and closing fees and arcane mortgage terminology

From the Back Cover

Your one-stop guide to mortgage topics, from A to Z

There's a bewildering array of new, complex mortgage programs out there--and now there's a definitive, concise resource to help you make sense of them all. Written by nationally syndicated real estate columnist Jack Guttentag, The Mortgage Encyclopedia demystifies all the various mortgage terms, features, and options by offering clear, precise explanations.

From A-Credit to Zero Balance, the alphabetical organization of terms makes it easy for you to quickly find information on any topic. You get not just a complete description, but also in-depth discussion of the issues that may affect you, whether you're a homeowner (or hoping to become one), a real estate agent, a loan provider, or an attorney. There's even a special section with refinance breakeven tables. So the next time you ask yourself such questions as "Is this FHA loan right for me?" or "Can I negotiate this fee?" reach for this indispensable guide and get the fast, accurate information you need!

• Features definitions and explanations of common mortgage-related terms, as well as arcane mortgage terminology
• Provides authoritative advice on issues such as whether to use a mortgage brokers, the benefits of paying points versus a larger down payment, and the hazards of cosigning a loan
• Identifies common mortgage myths and misperceptions--and warns you of the pitfalls to avoid
• Includes helpful tables on affordability, interest cost of fixed-rate versus adjustable rate mortgages, and much more.

We have been discussing a lot about reverse mortgages in our recent posts. There are many problems with reverse mortgages but that does not mean they are not good. For some people, they are the best solutions for their situations. We have here another great guide to reverse mortgages called The Pocket Idiot's Guide to Reverse Mortgages. Find out:

• What are they?
• How do they work?
• What do they do?

There are more than 100,000 active reverse mortgages in the U.S. today, and the number is growing. If Social Security benefits are excluded, about half of all senior citizens would fall below the poverty line based on their income, and for many people over 65, much of their wealth is concentrated in their home equity. As health care costs rise, many people are turning to reverse mortgages for supplemental income. This book outlines, informs, counsels, and lays out the facts on reverse mortgages.

-Anticipation of Social Security problems is increasing the popularity of reverse mortgages

-More people are expected to turn to reverse mortgages to supplement their income

-The Consumers Union of U.S. Inc. says that AARP, HUD, Fannie Mae, and the reverse mortgage industry all agree on the importance of high-quality reverse mortgage counseling and information

About the Author

Jennifer Pokorny is a branch manager with Carteret Mortgage, specializing in reverse mortgages. She has 25 years experience in all facets of the industry, working with property management before becoming project engineer for a commercial construction company. She has also worked as a freelance writer and editor for 10 years.

We briefly talked about reverse mortgage and its benefit in our other posts but some people are still confused about what a reverse mortgage is so I am going to introduce this book called Reverse Mortgages For Dummies that explains a lot of things about reverse mortgages in the simplest terms possible. Bear in mind that there are advantages as well as disadvantages of reverse mortgage so you really need to find out more information on reverse mortgage before you decide to do it for yourself or your family.

For seniors who live on a fixed income, owning a home—and keeping it—can be financially challenging. Rather than face the choice of selling your home and moving or becoming a home-owning pauper, reverse mortgage products let seniors convert part of their equity into tax-free income that can be used for anything—even mortgage payments, living expenses, or medical costs.

Reverse Mortgages For Dummies covers all the basics of reverse mortgage products so you and your adult children can understand and take full advantage of these handy loans—and keep the home you love. Covering a full range of reverse mortgage options and topics, you’ll discover how to:

• Decide if a reverse mortgage is right for you
• Shop for the best reverse mortgage products
• Find out if your home is eligible
• Find a counselor who can help you

Written by Sarah Lyons, an Assistant Editor at Mortgage Originator magazine, and John Lucas, an experienced reverse mortgage specialist, Reverse Mortgages For Dummies explains these helpful loan products in simple, easy-to-understand language free of all the jargon. Once you understand how reverse mortgages differ from other loans—and what you could do with your reverse mortgage—the book covers the specifics you need to find the right loan for you, including:

• Special advice for adult children helping their senior parents secure a loan
• How to get a reverse mortgage and keep your second home legally
• Property requirements and financing fees
• Selecting among a multitude of lenders
• Spending and estimating leftover equity
• Sharing the decision-making process with family and loved ones

If you’re a senior wondering whether a reverse mortgage can help you keep your home, this book gives you the information you need to make smart, informed decisions that are vital to you, and your family’s, security. Reverse Mortgages For Dummies will help you keep your home and live the life you want.
From the Back Cover

Fully explains how reverse mortgages work

With special advice for the adult children of seniors

Reverse mortgages are a great way for you to keep your home, even on a retiree's fixed income. But with so many loan options, where do you start? Relax! This friendly guide covers all the basics so you and your adult children can understand and take advantage of these handy loans — and keep the home you love.

Discover how to

• Decide if a reverse mortgage is right for you
• Shop for the best reverse mortgage products
• Find out if your home is eligible
• Walk through each step of the process with confidence
• Find a counselor who can help you