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In Mortgage Myths, Realtor Ralph Roberts and mortgage consultant Chip Cummings take aim at the 77 mortgage myths that prevent so many would-be homeowners and real estate investors from pursuing their dreams of homeownership. You’ll learn the difference between good and bad debt, how to make mortgage approval easier and simpler, and how to use other people’s money to leverage your investments. This is the ultimate guide to getting the great deal you deserve.
Alan Jablonski, a prominent Southern California consumer rights attorney and California mortgage broker wrote Successfully Navigating the Mortgage Maze because he was appalled by the predatory lending practices and misleading advertising rampant in mortgage industry, today. Years ago, while purchasing their home, he and his wife experienced, first hand, deceptive practices. Successfully Navigating the Mortgage Maze, a borrower's guide, presents 30 rules and a step-by-step interview process, borrowers can use to weed out dishonest lenders and brokers, ensuring they get the loan they were promised. In an easy to read format, Alan guides the borrower through the loan process, demystifying loan terminology and pointing out the traps and pitfalls in negotiating a home mortgage. Successfully Navigating the Mortgage Maze also contains resources and tools for borrowers to use to identify the true cost of their loan. Alan has incorporated the contents of this guide into a compelling live presentation. Also, for a nominal fee, his organization will review reader's loan documents, spelling out the interest rate, total fees (including hidden fees) and whether or not a loan has a prepayment penalty. To schedule a "Successfully Navigating the Mortgage Maze" seminar or have your loan documents reviewed, visit www.mortgage-maze.net.
Congratulations on your decision to enter the mortgage-lending arena. Mortgage lending is one of the most secure, respected, and exciting career opportunities available. Each day will bring you challenges that you will overcome, the excitement of helping to create a loan program that meets the needs of both the borrower and the lender, and the satisfaction of helping each borrower achieve their dreams of home ownership. Home Mortgage Lending is an excellent career opportunity that provides stability, advancement, and a sense of satisfaction to the loan officer who obtains the knowledge and skills necessary to excel within the profession. The training contained in the course provides specific information concerning the loan process and the part you and others play in that process. The information we offer in this program provides you with the foundation that you need to become a well rounded mortgage professional. The top of your field, you will specialize in the overall picture. You will develop the perfect mix of knowledge and skills, add to it the creativity required when overcoming the specific issues that occur during the loan process, and begin on the path that will lead you to the top of your profession. Mortgage lending provides you with the career option that will make you one of the most highly respected professionals within your community. The skills that you will attain over the coming weeks will make you a commodity that is in high demand in the market. Research has shown that the most important attribute of a successful loan officer is the drive to succeed within their chosen profession. The drive to succeed surpasses educational degrees, experience and personal attributes. Purchasing this program shows that you have the initial drive needed to begin on the path toward career stability and success and the ability attain top-producer status. Mortgage Lending is perhaps one of the most satisfying career options available. You will perform the service of helping people to fulfill their dreams of home ownership. The industry is fast-paced, exciting and offers a stable opportunity to anyone willing to put forth the effort necessary to succeed. Each file you receive will contain a myriad of variations that will ensure every workday provides you with the challenge to perform at your best. The coursework builds the foundation that you will need in the coming days, months, and years. Upon successful completion of the coursework and an understanding of each review section, you will find that you are have a higher industry skill level then 90% of your competing loan officers.
Mortgage banking is one of the fastest growing industries in the country. In the next few years, home purchases are expected to run into the trillions, creating more opportunity than ever for people seeking a career in this profitable industry. Real estate author, columnist, and veteran mortgage banker David Reed offers practical advice on licensing and educational requirements, as well as valuable guidance on the different career options available as a mortgage broker, mortgage banker, correspondent mortgage banker, and more.
The only guidebook that shows you how to finance any property--with or without bank approval Would you like to discover all of the many ways that you can finance real estate? Want to learn how to cut your financing costs, avoid pitfalls, and negotiate the best terms? Then let Gary Eldred's 106 Mortgage Secrets All Borrowers Must Learn--But Lenders Don't Tell, Second Edition guide you. Fully updated, this practical guide explains how today's changing mortgage market really works. Unlike other mortgage guides, this book goes beyond traditional bank-originated loans and shows you how to benefit with seller financing, assumables, subject-to, wraparounds, lease options, foreclosures, and other money-saving possibilities. 106 Mortgage Secrets also protects you from the sharp practices of loan reps that have recently sparked Congressional hearings and multiple state investigations. In addition, Eldred shows how and why the right financing decisions can add tens (and sometimes hundreds) of thousands of dollars to your long-term net worth. With these 106 secrets, you'll build the confidence and the knowledge to: * Increase your borrowing power * Obtain the lowest interest rate * Understand the true pros and cons of ARMs * Cut (or eliminate) the cost of mortgage insurance * Save big with seller financing, assumptions, foreclosures, and REOs * Strengthen your credit profile and credit score * Avoid getting taken... by the fine print and garbage fees * Steer clear of scams and unprincipled loan reps and lenders * Accumulate wealth through homeownership and investment properties Simple, concise, and comprehensive, this book reveals everything property buyers need to know--especially the 106 financing secrets lenders too often omit.
Most buyers are unfamiliar with the process of getting a loan or mortgage and what it really takes to get approved. This is not only important for first time home buyers but experienced owners too. It may have been awhile since a current home owner has purchased a home and acquired a mortgage and the rules change constantly. Buyers get frustrated with all the paperwork and they feel like they are asked for the same items over and over and over again. Most buyers don't really know what buying power they have. I see both ends of the scale: people who feel they can afford twice as much as allowed, and others who could qualify for five times more than they want. Also, there are various loan programs with numerous possibilities, down payment options, and the types of lenders who are available. All these options can make your head spin. The industry is constantly changing, which can confuse a buyer. The questions I hear most often are: "What is the interest rate?" and "What is my payment?" Although both are very valuable questions, they are not necessarily the critical ones when it comes to getting a mortgage. Finding the ideal loan officer and loan program is crucial and critical in getting you through the preapproval stage, underwriting, a final approval and all the way to the closing table. As an experienced business owner and loan officer, I have read the thousands of pages of regulations, and studied the various loan programs, in order to help my buyers get into the right program, at the right time, and for the right reasons. When purchasing real estate, and obtaining a home loan or mortgage, there are so many variables that a buyer should consider. Financing your first home, second home or cottage, or investment property all require preparation on your part. Do I get an FHA, VA, RD or a conventional loan, or do I get what is called a non-qualified mortgage? Do I need to worry about PMI - and what exactly is that? Do I get a variable rate or a fixed rate? Does the length of time I plan on living in the house matter? Each state and local entity has some of their own costs and rules. After reading this book, you will have an understanding of what is needed, why you should work with a qualified and experienced loan officer, and be ready to breeze through the process and if prepared do it less than 30 days. I have even closed loans in 8 days. I will cover mortgage basics, what is a good credit score, and what are the four c's of getting a loan. What is the loan process, what is the difference between a preapproval and being prequalified. What documents will my loan officer need and what should I be doing while in process. What kind of money and where is it coming from will be discussed. What if I had some credit blips in the past, how long do I have to wait to buy a house? What options do I have for rates, length of loan and can anything change? Finally, what happens behind the scenes and what can I do now to get approved. My mantra is education, communication, and certainly having some fun along the way. Life is too short, so, you better enjoy what you are doing. Because of this, I have put together a helpful guide and reference material to assist you, the buyer, in understanding the process and to help you through that process seamlessly so you aren't pulling out your hair.
Enter the Mortgage Dragon: True Facts from a Mortgage Industry Insider with a Personal Tell-All is a compelling personal story about a man who overcame extreme adversity to succeed in the lucrative mortgage industry. This comes with great tips along the way and the pitfalls to avoid when it comes to the department of business oversight. You do not have to have an Ivy League education to succeed in this line of work or any other field in which "by referral only" is the dream goal. Enter the Mortgage Dragon is unlike any book on the subject, as it gives the reader a very personal journey while at the same time covers every important aspect in the industry. A few of the key takeaways include the following: The importance of understanding the various loan programs to assess what works best for you as a consumer or your client How down payments, credit, and income affect a mortgage Why customer service is crucial in achieving lending industry success Understanding credit and mistakes a consumer should not make during the loan process How to avoid the department of business oversight You are guilty until proven innocent How to effectively use the internet when it comes to the lending industry Best practices a mortgage loan advisor should keep-marketing and beyond Learn from author Jim Siebert, a previous top achiever in this field, through the journey of his childhood and personal relationships, his passion for U2, and the years that have had a profound effect on his career. Be prepared to be inspired while learning the important tools to succeed!