Efnisyfirlit

• Cover
• Introduction
  • How This Book is Different
  • Foolish Assumptions
  • Icons Used in This Book
  • Beyond the Book
  • Where to Go from Here
• Part 1: Getting Started with Mortgages
  • Chapter 1: Determining Your Borrowing Power
    • Only You Can Determine the Mortgage Debt You Can Afford
    • Determine Your Potential Homeownership Expenses
    • Consider the Impact of a New House on Your Financial Future
  • Chapter 2: Qualifying for a Mortgage
    • Getting Preapproved for a Loan
    • Evaluating Your Creditworthiness: The Underwriting Process
    • Eyeing Predicament-Solving Strategies
  • Chapter 3: Scoping Out Your Credit Score
    • Defining Credit Scores
    • Assessing Your Credit History
    • Understanding How Scores Work
• Part 2: Locating a Loan
  • Chapter 4: Fathoming the Fundamentals
    • Grasping Loan Basics: Principal, Interest, Term, and Amortization
    • Deciphering Mortgage Lingo
    • Eyeing Classic Mortgage Jargon Duets
    • Introducing the Punitive Ps
  • Chapter 5: Selecting the Best Home Purchase Loan
    • Three Questions to Help You Pick the Right Mortgage
    • Fixed-Rate Mortgages: No Surprises
    • Adjustable-Rate Mortgages (ARMs)
    • Fine-Tuning Your Thought Process
    • Getting a Loan When Rates Are High
  • Chapter 6: Surveying Special Situation Loans
    • Understanding Home Equity Loans
    • Eyeing 100 Percent Home Equity Loans
    • Taking a Closer Look at Co-Op Loans
    • Grasping Balloon Loans
• Part 3: Landing a Lender
  • Chapter 7: Finding Your Best Lender
    • Going with a Mortgage Broker or Direct Lender?
    • Seller Financing: The Trials and Tribulations
  • Chapter 8: Searching for Mortgage Information Online
    • Obeying Our Safe Surfing Tips
    • Perusing Our Recommended Mortgage Websites
  • Chapter 9: Choosing Your Preferred Mortgage
    • Taking a Look at Loan Fees
    • Avoiding Dangerous Loan Features
    • Comparing Lenders’ Programs
    • Applying with One or More Lenders
  • Chapter 10: Managing Mortgage Paperwork
    • Pounding the Paperwork
    • Filling Out the Uniform Residential Loan Application
    • Introducing Other Typical Documents
• Part 4: Profiting from Smart Mortgage Strategies
  • Chapter 11: Refinancing Your Mortgage
    • Refinancing Rationales
    • Cost-Cutting Refinances
    • Restructuring Refinances
    • Cash-Out Refinances
    • Expediting Your Refi
    • Beating Borrower’s Remorse
  • Chapter 12: Paying Down Your Mortgage Quicker
    • One Size Doesn’t Fit All
    • Deciding Whether to Repay Your Mortgage Faster
    • Developing Your Payoff Plan
  • Chapter 13: Reverse Mortgages for Retirement Income
    • Grasping the Reverse Mortgage Basics
    • Shopping for a Reverse Mortgage
    • Deciding Whether You Want a Reverse Mortgage
• Part 5: The Part of Tens
  • Chapter 14: Ten-Plus “Must-Knows” About Foreclosure
    • Deal with Reality
    • Review Your Spending and Debts
    • Beware of Foreclosure Scams
    • Consider Tapping Other Assets
    • Make Use of Objective Counseling
    • Negotiate with Your Lender
    • Understand Short Sales
    • Seek Legal and Tax Advice
    • Understand Bankruptcy
    • Consider the Future Impact to Your Credit Report
    • Understand the Realities of Investing in Foreclosed Property
  • Chapter 15: Ten Mortgage No-Nos
    • Don’t Let Lenders Tell You What You Can Afford
    • Never Confuse Loan Prequalification with Preapproval
    • Avoid Loans with Prepayment Penalties
    • Don’t Reflexively Grab a Fixed-Rate Mortgage
    • Steer Clear of Toxic 100 Percent Home Equity Loans
    • Watch Out for Mortgage Brokers with Hidden Agendas
    • Shun Negative Amortization Mortgages
    • Don’t Let the 2 Percent Rule Bully You When Refinancing
    • Don’t Assume That All Reverse Mortgages Are the Same or Bad
    • Avoid Mortgage Life Insurance
• Part 6: Appendixes
  • Appendix A: Loan Amortization Table
  • Appendix B: Remaining Balance Tables
  • Appendix C: Glossary
• About the Authors
• Connect with Dummies
• End User License Agreement

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