抵押的神话：家庭理财中大笔节省的77个秘密Mortgage Myths : 77 Secrets That Will Save You Thousands on Home Financing pdf 夸克云 tct umd 下载 2025 azw3 kindle

In Mortgage Myths, Realtor Ralph Roberts and mortgage c***ultant 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 ***r, and how to use other people’s money to leverage your investments. This is the ultimate guide to getting the great deal you deserve.

Foreword.

Introduction.

Section 1. Where Do I Start?

　Myth #1 - Renting is Better than Buying.

　Myth #2 - I Can't Qualify for a Loan.

　Myth #3 - Only U.S. Citizens Can Qualify for a Mortgage.

　Myth #4 - I Should Look at Some Houses First.

　Myth #5 - I Need a Down Payment - But I Don't Have the Funds.

　Myth #6 - I Should Make the Biggest Down Payment I Can.

　Myth #7 - Mortgage Companies and Loan Officers are Licensed and Regulated.

　Myth #8 - Big Lenders and Major Banks are Always Better.

　Myth #9 - My Best Bet is to Use a Friend (or Someone Local).

　Myth #10 - I'll Find a Better Deal on the Internet.

　Myth #11 - I Can Get a Higher Return by Investing in Stocks.

Section 2. Playing "The Mortgage Game".

　Myth #12 - My Main Goal is to Snag the Lowest Interest Rate.

　Myth #13 - The Federal Reserve Controls Interest Rates.

　Myth #14 - Stay with "Fixed Rates" - ARM's Are Just Too Risky.

　Myth #15 - A Shorter Term Always Beats a 30- or 40-Year Term.

　Myth #16 - My Credit History Needs to be Perfect.

　Myth #17 - My "Credit Score" Determines My Loan's Approval.

　Myth #18 - Be C***ervative - Don't Stretch Yourself.

　Myth #19 - I'm Divorced or Declared Bankruptcy... So I'll Never Qualify.

　Myth #20 - Special Financing Programs Aren't Available to Me.

　Myth #21 - I Should Avoid "Mortgage Insurance".

　Myth #22 - The "Good Faith Estimate" Guarantees My Closing Costs.

　Myth #23 - I Have to Use the Realtor/Builder's Loan Officer.

Section 3. Selecting the "Right" Home.

　Myth #24 - I'll Save Big Money Buying F***O.

　Myth #25 - I Have to Shop Within a Certain Price Range.

　Myth #26 - Everything Is Included in the Sales Price.

　Myth #27 - The Appraiser Will Specify the Value and Any Required Repairs.

　Myth #28 - The Real Estate Agent Will Protect Us.

　Myth #29 - Condos Are Bad Investments... and Hard to Finance.

　Myth #30 - Seller Disclosures are Complete and Accurate.

　Myth #31 - I Should Buy the Biggest House at a Bargain Price.

　Myth #32 - I Should Always Use an Attorney.

　Myth #33 - I Don't Need an Inspection - It Looks Great to Me!

　Myth #34 - I've Seen Enough.. I've Found the Home I Love!

　Myth #35 - It's Okay to Buy - This Area is Booming .

　Myth #36 - All Sales Agreements and EMD Requirements Are Standard.

　Myth #37 - I Can't Withdraw My Offer – It's Too Late.

　Myth #38 - Beware of Foreclosures - They're a Headache.

　Myth #39 - I Make Money When I Sell – Not When I Buy.

　Myth #40 - My Tenants Will Finance My Investment Property.

Section 4. The Mortgage Process.

　Myth #41 - The Loan Process Takes a Long Time.

　Myth #42 - All Applicati*** and Disclosure Forms Are Standard.

　Myth #43 - We’re Approved: Our Worries Are Over!

　Myth #44 - My Interest Rate Is Locked In AND Guaranteed.

　Myth #45 - A Pre-approval is a Pre-Approval.

　Myth #46 - I Have to Let My Lender Escrow Taxes and Insurance.

　Myth #47 - I'm Self-Employed - Getting Approved Will Be Tough.

　Myth #48 - The House Needs Repairs - We'll Do Them Later.

　Myth #49 - Personal 'Profiling" Is Part of the Approval Process.

Section 5. It's "Closing" Time.

　Myth #50 - Someone Else Decides the Closing Date and Location.

　Myth #51 - Why Do I Need "Title Insurance"... I Can't Even Select the Provider.

　Myth #52 - It's Cheaper to Close at the End of the Month.

　Myth #53 - I Can't Review Documents in Advance.

　Myth #54 - The Seller's Home Warranty Protects Us.

　Myth #55 - The House Will Be in "Move-In" Condition.

　Myth #56 - It's All Triple-Checked and Ready to Go!

　Myth #57 - I Need Homeowners Insurance to Cover the Entire Purchase Price.

　Myth #58 - I Need Credit Life Insurance to Protect Myself.

　Myth #59 - My House Payment Will Never Change.

Section 6. The Refinance Game.

　Myth #60 - Never Refinance Until the Rate is 2% Lower.

　Myth #61 - I Should Never Refinance Into a Higher Interest Rate.

　Myth #62 - I'm Not Allowed to Pay Extra - There's a Pre-Payment Penalty.

　Myth #63 - Reverse Mortgages Are a Bad Idea.

　Myth #64 - My Terms May Change if the Loan is Sold.

　Myth #66 - Refinancing: Better Than Home Equity or C***truction Loans.

　Myth #67 - Low Inflation Means Low Appreciation.

　Myth #68 - I Have to Live There at Least 3 Years to Break Even.

　Myth #69 - Refinancing is a Cheap Way to Get Cash.

　Myth #70 - My Escrows Are Already Set Up.

Section 7. Short of Cash? Creative Financing Soluti***.

　Myth #71 - I Can't Use a Gift for a Down Payment.

　Myth #72 - A Bi-Weekly Mortgage Simply Changes My Payment Schedule.

　Myth #73 - Seller Financing is Risky and Expensive.

　Myth #74 - Government Loans Are Only for Low-Income Borrowers.

　Myth #75 - No Bank Will Finance Us.

　Myth #76 - A "Lease Option" Plan is Always a Bad Idea.

　Myth #77 - I Can't Make My Payments... So I'll Lose My Home.

Appendix.

Forms.

Required Application Disclosures.

Mortgage Application - Form 1003.

Sample "Good Faith Estimate".

Sample "Truth in Lending" Disclosure.

Sample Appraisal.

Sample HUD-1 Closing Statement.

Homebuyer Checklist.

Home Financing Checklist.

Refinance Checklist.

Personal Qualification Form.

Mortgage Payment Calculator.

National/State Associati*** and Regulatory Agencies.

Homebuyer Education Classes.

Other Website Resources.

Terms You Need To Know.

Index.

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