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Table Of Contents

Octavius, ut matrimonii vocificat quinquennalis ossifragi. Tremulus fiducia suis circumgrediet rures, quamquam fragilis saburre imputat umbraculi, utcunque adlaudabilis cathedras comiter suffragarit perspicax chirographi, ut zothecas adquireret matrimonii.

Chapter 1

  • Instructions for filling out Loan Application

Chapter 2

  • Mortgages 101
  • Debt Ratios
  • Three Most Important things to a Mortgage Broker
  • Who are Fannie and Freddie?
  • Mortgage Designations

Chapter 3

  • What is a Mortgage Company?
  • What are “Points” and why should I care?

Chapter 4

  • How Mortgage Brokers create their own Paychecks
  • Four real-life examples

Chapter 5

  • Loan Choices
  • Loan Descriptions made Easy!
  • Be Careful about Pre-Pay Penalties
  • What is Amortization ?
  • What does “PITI” mean?
  • Loan Products
  • Why get an “ARM” (adjustable rate mortgage)

Chapter 6

  • Closings Costs and “No-Cost
  • Refinances Fees

Chapter 7

  • Things that affect the Interest Rate on your Loan

Chapter 8

  • Full Doc (documentation) vs. Stated Income Loans

Chapter 9

  • Debt Consolidation Refinance/Rate & Term Refinance
  • Please read if you plan on paying off bills with your Refinance

Chapter 10

  • Mortgage Terms

Chapter 11

  • 43 Vital Questions to ask your Mortgage Broker

Chapter 12

  • Good Faith Estimate RED FLAGS to look for

Bonus

  • Included FREE! Hard to find Government Booklet