How to Save Thousands of Dollars on Your Home Mortgage
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More About This Title How to Save Thousands of Dollars on Your Home Mortgage

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RANDY JOHNSON is President of the Independence Mortgage Company and has personally originated over $400 million in residential loans.

English

BACKGROUND.

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.

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