{"product_id":"mortgages-101-quick-answers-to-over-250-critical-questions-about-your-home-loan-paperback","title":"Mortgages 101: Quick Answers to Over 250 Critical Questions about Your Home Loan - Paperback","description":"\u003cdiv\u003e\u003cp style=\"text-align: right;\"\u003e\u003ca href=\"https:\/\/reportcopyrightinfringement.com\/\" target=\"_blank\" rel=\"nofollow\"\u003e\u003cb\u003eReport copyright infringement\u003c\/b\u003e\u003c\/a\u003e\u003c\/p\u003e\u003c\/div\u003e\u003cp\u003eby \u003cb\u003eDavid Reed\u003c\/b\u003e (Author)\u003c\/p\u003e\u003cp\u003e\u003c\/p\u003e\u003cp\u003e\u003cstrong\u003eQuestions about the mortgage process seem so complex and intimidating, yet they must be worked through achieve the American Dream of home ownership. Thankfully, this guide eliminates the confusion and stress with clear-cut answers to all your questions.\u003c\/strong\u003e\u003c\/p\u003e\u003cp\u003eHow much house can you afford (or not afford)? Is every mortgage loan the same, or are there specifics to look for that meet your individual needs? How can you increase your chances of getting those almost unbelievable rates you see banks advertising? Is there any end to the paperwork? Because 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 your next home.\u003c\/p\u003e\u003cp\u003eIn \u003cem\u003eMortgages 101\u003c\/em\u003e, you will find the latest information on: \u003c\/p\u003e\u003cul\u003e\n\u003cli\u003eApplication procedures\u003c\/li\u003e\n\u003cli\u003eOnline lenders\u003c\/li\u003e\n\u003cli\u003eNew loan and government programs\u003c\/li\u003e\n\u003cli\u003eQualifying requirements\u003c\/li\u003e\n\u003cli\u003eZero-down options\u003c\/li\u003e\n\u003cli\u003eGuidelines for self-employed borrowers\u003c\/li\u003e\n\u003c\/ul\u003e\u003cp\u003eIn this one-stop reference, find everything you need to know from a wide range of mortgage topics. From negotiating the best deal to saving on closing costs, \u003cem\u003eMortgages 101\u003c\/em\u003e supplies the answers and assistance for everything you need until the day you walk through your new front door!\u003c\/p\u003e\u003ch3\u003eBack Jacket\u003c\/h3\u003e\u003cp\u003eBuying 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. \u003c\/p\u003e  \u003ci\u003eMortgages 101\u003c\/i\u003e 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 \u003ci\u003eMortgages 101\u003c\/i\u003e guide you to the perfect loan for you. Then enjoy your new home.   \u003cb\u003ePraise for the previous edition of \u003ci\u003eMortgages 101\u003c\/i\u003e \u003c\/b\u003e   \"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.\" \u003ci\u003e\u003cb\u003e-- The New York Times \u003c\/b\u003e\u003c\/i\u003e   \"With consumer-friendly language and an easygoing tone, Reed answers over 250 common, yet critical borrower questions.\" --\u003ci\u003e\u003cb\u003e Mortgage Originator\u003c\/b\u003e\u003c\/i\u003e   \"The advice in \u003ci\u003eMortgages 101\u003c\/i\u003e is unvarnished and to the point. Reed takes a dry subject and makes literally years of hard-gained knowledge digestible and usable.\" \u003ci\u003e\u003cb\u003e-- Realty Times\u003c\/b\u003e\u003c\/i\u003e   \"[Reed's] lucid explanations translate confusing mortgage industry jargon into plain English for the nonfinancial reader. . . . no-nonsense tone.\" \u003ci\u003e\u003cb\u003e-- Financial Planning\u003c\/b\u003e\u003c\/i\u003e   David Reed has two decades of experience in the mortgage industry as a Senior Loan Officer and Underwriter. He is a regular contributor to \u003ci\u003eRealty Times\u003c\/i\u003e and the author of several popular books on real estate.  \u003ch3\u003eAuthor Biography\u003c\/h3\u003e\u003cp\u003eDAVID REED has two decades of experience in the mortgage industry as a Senior Loan Officer and Underwriter. He is a regular contributor to \u003ci\u003eRealty Times\u003c\/i\u003e and the author of several popular books on real estate. \u003c\/p\u003e\n            \u003cdiv\u003e\n\u003cstrong\u003eNumber of Pages:\u003c\/strong\u003e 320\u003c\/div\u003e\n            \u003cdiv\u003e\n\u003cstrong\u003eDimensions:\u003c\/strong\u003e 1 x 8.9 x 6 IN\u003c\/div\u003e\n            \u003cdiv\u003e\n\u003cstrong\u003ePublication Date:\u003c\/strong\u003e February 08, 2018\u003c\/div\u003e\n            ","brand":"BooksCloud","offers":[{"title":"Default Title","offer_id":51964756361517,"sku":"9780814438749","price":20.98,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0938\/3185\/6429\/files\/mortgages-101-quick-answers-to-over-250-critical-questions-about-your-home-loan-paperback-2825266.webp?v=1775472426","url":"https:\/\/ishookbooks.com\/products\/mortgages-101-quick-answers-to-over-250-critical-questions-about-your-home-loan-paperback","provider":"iShook Books","version":"1.0","type":"link"}