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PDF Ebook Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan, by David Reed

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Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan, by David Reed

PDF Ebook Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan, by David Reed

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Book Description

Everything you need to know before you borrow… Unless you’re sitting on a pile of cash, chances are you’ll need to take out a mortgage when you’re ready to buy a home. But how do you know how much house you can afford? What should you look for in a loan? What kind of paperwork is needed . . . and how do you improve your odds of getting a great rate? Mortgages 101 eliminates the confusion and stress with clear-cut answers to all your questions. Updated to reflect the enormous changes in the mortgage market in recent years, Mortgages 101 is the all-in-one reference you’ve been looking for. Covering a wide range of topics—from negotiating the best deal to saving on closing costs—this revised third edition provides the latest information on: Application procedures • Online lenders • New loan and government programs • Qualifying requirements • Credit strategies • Down payment assistance and zero-down options • Guidelines for self-employed borrowers • Bankruptcies and waiting periods • Refinancing and home equity loans • Consumer Financial Protection Bureau rules • The Ability-to-Repay mandate • And much more This is THE book you need to read before you sign on the dotted line.

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From the Back Cover

Buying a home is a huge decision—and so is finding the right mortgage. (No, they’re not all the same.) Whether you’re purchasing your first home, or contemplating a new one, you must understand today’s complicated mortgage environment . . . so you can choose the best loan for you. Mortgages 101 is the classic guide to everything you need to know — and now it’s completely updated to reflect the sweeping changes in recent years. This easy reference covers the entire mortgage process—everything from how much home you can afford to how to save big on your closing costs. Written in a simple question-and-answer format, this revised third edition provides the latest information on: Application procedures • Online lenders • Down payment assistance, zero-down options, and new programs such as HomeReady • Qualifying requirements • Ways to lower your debt ratio • Credit scores: FICO, Vantage, and the “hidden” ones • Credit strategies (even if your credit scores are low) • Guidelines for self-employed borrowers • Bankruptcies and waiting periods • Refinancing and home equity loans • Consumer Financial Protection Bureau rules • The new Ability-to-Repay mandate • And much more. The mortgage landscape has gotten safer, but it’s also more complex. Let Mortgages 101 guide you to the perfect loan for you. Then enjoy your new home. Praise for the previous edition of Mortgages 101: “Covers just about every issue that can come up, from how much to put down to the various types of mortgages available. Perhaps the best thing Mr. Reed does is explain, simply, how banks determine your creditworthiness.” — The New York Times “With consumer-friendly language and an easygoing tone, Reed answers over 250 common, yet critical borrower questions.” — Mortgage Originator “The advice in Mortgages 101 is unvarnished and to the point. Reed takes a dry subject and makes literally years of hard-gained knowledge digestible and usable.” — Realty Times “[Reed’s] lucid explanations translate confusing mortgage industry jargon into plain English for the nonfinancial reader. . . . no-nonsense tone.” — Financial Planning David Reed has two decades of experience in the mortgage industry as a Senior Loan Officer and Underwriter. He is a regular contributor to Realty Times and the author of several popular books on real estate.

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Product details

Paperback: 320 pages

Publisher: AMACOM; Third edition (February 8, 2018)

Language: English

ISBN-10: 0814438741

ISBN-13: 978-0814438749

Product Dimensions:

6 x 0.8 x 9 inches

Shipping Weight: 15.5 ounces (View shipping rates and policies)

Average Customer Review:

4.6 out of 5 stars

34 customer reviews

Amazon Best Sellers Rank:

#322,022 in Books (See Top 100 in Books)

A must for every first time home buyer. After reading this book you will be able to carry on an intelligent conversation with your Realtor and lender about how you'll pay for your house. Even if you crack the cover with no previous knowledge about mortgages this book will help you to understand what options you have available to you. A home is too big of an investment to not understand what you are getting yourself into. Know your options. Read it twice just to be safe!

This book was invaluable as I prepared to purchase my first home. The book is written in question and answer format, so it is easy to focus on the topics that are most relevant. With the knowledge in this book behind me, I felt that I could talk to a mortgage broker with some knowledge and wasn't confused by all ther terms. I landed a great mortgage, thanks to this book.

Very well written.

It is certainly a very helpful resource for most people who don't get to learn much about the mortgage market and industries. I certainly had to buy a home during the turmoil and it helped me shed some light on mortgage industries, how brokerage industries work and so forth. Also it includes lots of things that you should ask or consider when you are getting a mortgage.

It’s written very well. He explains the processes and terminology in easy to understand language. This will definitely be helpful when I look into getting a home this summer.

This book is very good n the best thing about it is the format: by answering all the questions you may have n with a good glosary too! 10/10!

This book was very informative and I am glad I got this book as it is good knowledge to have as you think about buying a first home. Would highly recommend this book if you know nothing about the industry and want to not go in blind.

Good reference book,to helping answering A lot of questions

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