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The Mortgage Answer Book
Cover of The Mortgage Answer Book
The Mortgage Answer Book
Choosing the Right Loan for You
Borrow
Get the best mortgage for your particular situation.
Get the best mortgage for your particular situation.
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Table of Contents-
  • Introduction Chapter 1: What is a Mortgage? How are Mortgages Structured? Promissory Notes Chapter 2: The Mortgage Industry Why Would a Primary Lender Sell a Loan? Who Buys These Loans? What the Secondary Market Means to You Chapter 3: Underwriting Credit History Income-to-Debt Ratios The Property Sample Gift Letter Chapter 4: Interest Rates Understanding Interest Rates Points and Buydowns Locking in Your Loan Rate Assumable Mortgages and Prepayment Penalties Chapter 5: Prequalifying for a Loan Using a Real Estate Agent Using the Web Using a Lender Chapter 6: The Term Chapter 7: Payment Plans Biweekly Payment Plans Graduated Payment Mortgage Interest-Only Loans Balloon Payment Mortgages Chapter 8: Fixed Mortgages Why is the Interest Rate Always a Little Higher? Things to Know Chapter 9: Adjustable Rate Mortgages Indexes Margins Start Rate Understanding ARMs Flexible Payment Adjustable Rate Mortgage Chapter 10: Hybrid Mortgages Chapter 11: Jumbo Loans Avoiding the Jumbo Loan Chapter 12: Prepayment Changes that Affect Prepayments Today Chapter 13: Government Loans FHA Insured Mortgage Loans The FHA Advantage VA Loans Chapter 14: Hard Money Mortgages Bridge Loans Sub-Prime Loans Chapter 15: Junior Loans The Piggyback Loan The SingleFile Mortgage Chapter 16: Home Equity Loans Home Equity Line of Credit Chapter 17: Refinancing Whether to Do It How to Do It Chapter 18: Manufactured Housing Chapter 19: Inflation Inflation and Mortgages Chapter 20: Foreclosure How Foreclosure Works Avoiding Foreclosure Doing Nothing Foreclosure Scams Bankruptcy Chapter 21: The Purchase Money Mortgage The Seller Scams Selling the Mortgage Chapter 22: The Reverse Mortgage How It Works What You Can Borrow Home Equity Conversion Mortgage Criteria Types of Reverse Mortgages Distinguishing FHA with Non-FHA Loans The Home Keeper Mortgage Annuities Future Problems Reverse Mortgage Comparison Worksheet Reverse Mortgage Comparison Worksheet Chapter 23: First-Time Buyers Budget Assets Spending Chapter 24: The Right Loan for You Fixed Interest Rate Loans Adjustable Rate Mortgages Lenders and Mortgage Brokers Mortgage Comparison Worksheet Mortgage Comparison Worksheet Conclusion Glossary Appendix A: Amoritization Tables Appendix B: Home Ownership and Equity Protection Act Appendix C: The Real Estate Settlement Procedures Act Index About the Author
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    Sourcebooks, Inc.
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The Mortgage Answer Book
The Mortgage Answer Book
Choosing the Right Loan for You
John J. Talamo
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