抵押省钱的行业内幕 Mortgage Ripoffs and Money Savers:

Mortgage Rip-offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year. Mortgage industry insider Carolyn Warren taps her decade of experience with lenders to expose the tricks, lies, and dirty little secrets they don't want you to know. With her expert guidance, borrowers will save tens of thousands when they avoid the traps so many consumers fall into. Having this inside information is the only way borrowers can truly get the best possible deal. This book presents that knowledge in an interesting and easy format that anyone can understand. Readers won't be victims of the mortgage industry with this invaluable resource in hand. Instead, they'll get the best possible rates, avoid bogus fees, and get the great deal they deserve.
作者简介：
Carolyn Warren was a mortgage industry insider for ten years, and worked in retail and wholesale lending for some of the nation's largest lenders, including Full Spectrum Lending/Countrywide Home Loans, Long Beach Mortgage/Ameriquest, First Franklin, and Green Tree Financial/Conseco.

ACKNOWLEDGMENTS
INTRODUCTION
PART I: Eight-Step Guide to Getting the Best Rate and Protecting Yourself from Most Common Scares
　CHAPTER I　Step 1: Boost Your Credit Rating and Prequalify
　　What Credit Score Do You Need to Buy a Home?
　 Additional Notes about How Lenders Rate Credit
　　What to Do if You Have Credit Challenges People with Low Scores Get Ripped Off More Often
　　Find Out How Much You Qualify For
　 The Three-Step Preapproval Process
　　How Do Lenders Decide How Much
　 Money to Lend You?
　 Which Payments Count for Debt Ratio?
　　Pick Your Own Budget
　　Coming Up
　CHAPTER 2　Step 2: Create a Short List of Three
　Honest Mortgage Lenders
　　Tricks to Foil Your Shopping Efforts
　 Selling the Sizzle
　　Special Deals and Secret Loans
　 The Loan They Don't Want You to Know About
　 The Sticky Trick
　　Creating Your Short List
　 Write Down Two Mortgage Companies and One Bank
　 Make One a Referral
　Get a Specific Name
　 Using an Internet Lender
　　Big National Lenders versus Local Lenders
　 Listen to Your Instincts
　　Coming Up
　CHAPTER 3　Step 3: Choose the Right Type of Loan for Your Situation
　　Types of Loans
　 30-Year Fixed Rate
　 15-Year Fixed Rate
　 40-Year or 45-Year Fixed Rate
　Adjustable Rate Mortgage (ARM)
　 Balloon Loan
　 2/28 and 3/27 "Fixed Rate"
　 Adjustable Loans
　 Interest-Only Loans
　 Risky Loans
　 Loans That Should Be Illegal
　　Prepayment Penalties: Good and Bad
　 What Is a Prepayment Penalty and How Does It Work?
　 Hard or Soft Prepayment Penalty?
　 Good Prepayment Penalties
　　Biweekly Mortgage Savings: Bargain or Rip-Off ?
　 How Does It Really Work ?
　　Coming Up
PART II Tips for Homeowners Who Are Refinancing
PART III Special Topics and Unique Situations
INDEX