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Home arrow Business & Finance arrow The mortgage kit 6th edition

A short course of lectures
«The mortgage kit»





Mortgage Data FormGraduated-Payment MortgageComparing Your ChoicesAdjustable-Rate MortgagesHome Equity Lines of Credit (HELOCs) and Debt Consolidation LoansNew Underwriting GuidelinesNewly Constructed HomesUnderwritingOption 2: Get New LoanEmployment HistoryRefinancingPrepayment PenaltiesAcknowledgmentsWhat If There Is a Skeleton in the Closet?Home Equity Line-of-Credit Loans (HELOCs)Automated UnderwritingFHA, VA, and Conventional MortgagesDetermining Your Needs and Credit SituationComparing ARMsBasic and Optional FeaturesOvercoming a Bad Credit HistoryAbout the AuthorOption 1: Assume Old LoanConventional LoansEmployment InformationNew Developments in the Mortgage Lending IndustryOnline Interest Rate ComparisonsChoosing the Right Type of Mortgage for YouYour Credit HistoryRestrictions on Cash-Out Refinancing TransactionsFinancing Mortgage InsuranceCombined Loan-to-Value (CLTV) RatioDeciding Whether to RefinanceOvercoming High Housing/Debt Ratios (Not Enough Income to Qualify)Shopping for a LoanTax DeductionsBorrowing More MoneyFannie Mae GuidelinesSeek a Hard-Money LenderMortgage Lending on the InternetNational StandardsShopping for a MortgageGetting Started on Your MortgageMiscellaneousAssumabilitySettlement (Closing)Whom to CallState and Local Housing Finance AuthoritiesLocking in the RateMiscellaneous Mortgage TopicsMortgage BrokersTwo-Steps and ResetsFannie Mae Restrictions for Investor LoansSecond MortgagesFinding Sources of Cash for Down Payment and Closing CostsApplying for a Mortgage OnlineCalculating Your SavingsPurchase-Money MortgagesHigher Rates, Shorter Terms-Year, Fast-Payoff MortgageSolution 3: Document Compensating FactorsShopping ListsCanvassing LendersSource of Cash for Down Payment and Settlement CostsThe Price of a MortgageFinding a Lender on the InternetVerificationSolution 1: Restructure Your FinancingCalculating Your Monthly PaymentBalloon versus Fully Amortizing Second MortgagesBiweekly MortgagesRestructuringLate Payment ChargesFixed-Rate MortgagesSolution 4: Get a CosignerYour Monthly Income and ExpensesThe Application ProcessAssuming a Loan versus Getting a New LoanMortgage InsurancePayment Option ARMSubmitting Your ApplicationWhat Is Real Estate?Other Mortgage PackagesCost-Based PricingConventional LoansUSDA Rural Development MortgagesGeneral InformationHow to Borrow against Your Home EquityChoosing an Equity LoanCorrect Mistakes EarlyPrequalificationAssetsApplying for a LoanDebtsSupporting Income and Expense ProjectionsResolving Employment History ProblemsTraditional 30-Year MortgageAdvantages and DisadvantagesInterest-Only MortgagesA Final Note on ShoppingSolution 5: Restructure Your Other Debt ObligationsProperty AppraisalReverse Annuity MortgagesDiscontinuing Mortgage Insurance PremiumsOther Mortgage PackagesWait Until You Reestablish a Good Credit RecordPrequalification for Investment PropertiesSolution 2: Document Additional IncomeBroader Availability of Nonconforming LoansGovernment LoansWhat Is a Mortgage?Appraised Value Is Less Than the Purchase PriceLocking In a RateMortgage Calculation ToolsOther Mortgage ProgramsDown Payment and Loan-to-Value RatioChoosing the Right Type of MortgageSaving MoneyAlternative DocumentationValuation MethodsOvercoming a Low AppraisalWhy Refinance?Investor LoansFactors that Influence Rate, Points, and Mortgage InsuranceCost of RefinancingSelecting the Mortgage ProductFHA GuidelinesMaking the Arithmetic EasierQualifying for a Mortgage LoanOvercoming Qualification ProblemsGovernment LoansBalloon LoansBuydowns
 
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