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

A short course of lectures
«The mortgage kit»





Solution 4: Get a CosignerPrequalification for Investment PropertiesOther Mortgage PackagesLate Payment ChargesDown Payment and Loan-to-Value RatioBuydownsUnderwritingSolution 1: Restructure Your FinancingCorrect Mistakes EarlyA Final Note on ShoppingBiweekly MortgagesTwo-Steps and ResetsPurchase-Money MortgagesFinding Sources of Cash for Down Payment and Closing CostsLocking In a RateApplying for a Mortgage OnlineShopping for a LoanAppraised Value Is Less Than the Purchase PriceBasic and Optional FeaturesSaving MoneyFixed-Rate MortgagesNewly Constructed HomesAcknowledgmentsEmployment HistoryWhat If There Is a Skeleton in the Closet?VerificationMaking the Arithmetic EasierAlternative DocumentationComparing ARMsPrepayment PenaltiesRestrictions on Cash-Out Refinancing TransactionsSubmitting Your ApplicationOption 2: Get New LoanApplying for a LoanGeneral InformationGovernment LoansTax DeductionsInterest-Only MortgagesComparing Your ChoicesSettlement (Closing)Mortgage Lending on the InternetFactors that Influence Rate, Points, and Mortgage InsuranceSolution 3: Document Compensating FactorsDeciding Whether to RefinanceSolution 5: Restructure Your Other Debt ObligationsHow to Borrow against Your Home EquitySolution 2: Document Additional IncomeWhy Refinance?Miscellaneous Mortgage TopicsThe Application ProcessQualifying for a Mortgage LoanAssumabilityProperty AppraisalHome Equity Lines of Credit (HELOCs) and Debt Consolidation LoansMortgage InsuranceOvercoming a Bad Credit HistoryDebtsMortgage Data FormRestructuringFHA, VA, and Conventional MortgagesHome Equity Line-of-Credit Loans (HELOCs)Selecting the Mortgage ProductCalculating Your Monthly PaymentRefinancingAdvantages and DisadvantagesCanvassing LendersBalloon LoansOther Mortgage PackagesConventional LoansBalloon versus Fully Amortizing Second MortgagesSeek a Hard-Money LenderCost of Refinancing-Year, Fast-Payoff MortgageGovernment LoansFHA GuidelinesCalculating Your SavingsValuation MethodsBorrowing More MoneyFannie Mae GuidelinesThe Price of a MortgageFinding a Lender on the InternetBroader Availability of Nonconforming LoansWhat Is Real Estate?Other Mortgage ProgramsFannie Mae Restrictions for Investor LoansOvercoming a Low AppraisalAssetsConventional LoansGetting Started on Your MortgageUSDA Rural Development MortgagesFinancing Mortgage InsuranceMiscellaneousInvestor LoansYour Credit HistorySource of Cash for Down Payment and Settlement CostsCombined Loan-to-Value (CLTV) RatioShopping ListsState and Local Housing Finance AuthoritiesMortgage Calculation ToolsAssuming a Loan versus Getting a New LoanChoosing the Right Type of MortgageNational StandardsOvercoming Qualification ProblemsDiscontinuing Mortgage Insurance PremiumsNew Developments in the Mortgage Lending IndustryPrequalificationEmployment InformationOvercoming High Housing/Debt Ratios (Not Enough Income to Qualify)Choosing an Equity LoanGraduated-Payment MortgageWhat Is a Mortgage?Option 1: Assume Old LoanLocking in the RateAdjustable-Rate MortgagesChoosing the Right Type of Mortgage for YouMortgage BrokersTraditional 30-Year MortgageWait Until You Reestablish a Good Credit RecordResolving Employment History ProblemsSecond MortgagesHigher Rates, Shorter TermsReverse Annuity MortgagesCost-Based PricingNew Underwriting GuidelinesPayment Option ARMWhom to CallOnline Interest Rate ComparisonsSupporting Income and Expense ProjectionsYour Monthly Income and ExpensesAbout the AuthorShopping for a MortgageDetermining Your Needs and Credit SituationAutomated Underwriting
 
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