A step-by-step guide to getting your home loan approved.Buying a home is a milestone that should be celebrated, but too often the achievement is overshadowed by the stress people feel when trying to get their loan approved. Or, worse, the fear of the unknown prevents them from taking the plunge, keeping them stuck in the rental trap.Multi-award-winning mortgage broker Aaron Christie-David is on a mission to reframe Australians' attitudes toward getting a mortgage and turn their aspirations of home ownership into reality. The Happy Home Loan Handbook demystifies the home loan process, providing a step-by-step breakdown of how to get your loan approved; how best to set up your loan; how to locate, negotiate over and purchase the home you want; how to build your support team to guide you; and how this home-buying experience can become your reality.If you are an aspiring first-home buyer or ambitious upgrader, this helpful handbook will show you how to get your home loan approved and buy your dream home so you can get on with enjoying life.
Finding the right home can be easy. Finding the right mortgage-one you can afford-can be a challenge. You need to arm yourself with the latest information so you can make the right decision for you and your family, especially in the current housing market. In plain English, finance expert Lisa Horton shines a light on the confusing world of points, interest rates, and credit scores. Whether you're buying your first home, trading up to a larger one, or buying a rental property, you'll find all you need inside. Learn how to: Save for a down payment and prepare to borrow Understand credit reports and credit scores Deal with banks, mortgage brokers, and online lenders Refinance a mortgage The Everything Mortgage Book teaches you how lenders work, how different kinds of loans are structured, and what they're best for. You'll also learn which mortgage practices and loans you should avoid. Whether you have a great credit history or a poor one, you'll be able to get the best loan for your most important purchase-your home. Lisa Holton is the author of How to be a Value Investor, The Essential Dictionary of Real Estate, and the Encyclopedia of Financial Planning. She is a contributing writer for the Financial Planning Association on consumer finance and retirement planning issues. Ms. Holton heads the Lisa Company, a writing, editing, and research firm. She lives in Evanston, IL.
Save over $100,000 refinancing a home, with no payment increase -- How to cut thousands of dollars off home loans. -- Discusses how to qualify for a home loan, how to choose the right lender and when to refinance. -- Closing costs, tax deductions, construction financing, choosing the right mortgage, and what to do when applications have been denied, are all covered in this guide.Whether a struggling consumer, or a skilled real estate expert, the reader will find needed answers in this book. Shows renters how to buy a home, homeowners how to refinance or improve their mortgages, and serves as a valuable handbook for realtors, investors and mortgage lenders.This well-written, simple approach to educating people puts light at the end of the tunnel and gives people real, tangible hope for the future of home ownership. -- R. Carter Langston, Courier-Tribune Asheboro, North CarolinaThe most complete work I've seen on home loans. An excellent handbook for anyone in the real estate field and an absolute must for existing or potential homeowners. -- Jim Dimos, Attorney and Louisiana State Representative
Each year, thousands of men and women make a decision that will ultimately change not only the course but the quality of the rest of their lives: they decide to become lawyers. From the moment that thick congratulatory envelope arrives, accepting and welcoming them to law school, they begin their journey down a road they hope will lead them to a life of worth and personal satisfaction. Unfortunately, for most of them, this road leads only to misery and despair which oftentimes plummets to depths that eventually cause them to leave the practice of law or, more often, remain, resigned to spend their entire professional lives working for people they do not like and on issues for which they have no interest. The Happy Lawyer Handbook is out to change all that, examining the roots of this phenomenon and providing practical advice for law students and young attorneys in how they can avoid this in their legal careers. The Happy Lawyer Handbook provides insight into those practicalities of law practice that are never discussed in the career services office but which will very likely have an overwhelming effect on the entirety of a budding attorney's career. For example, the dangers of being pigeonholed and trapped into practicing in an unsatisfying area of law are discussed as a way of stressing the importance of choosing one's preferred area of practice right out of law school. Once in the workplace, competition among fellow law firm associates and issues relevant to promotion is analyzed in order to provide a better understanding of who gets promoted and why. Intrinsic in this discussion is the importance of job satisfaction right off the bat as a required tool for career advancement. The topic of student loan debt and how to deal with it is likewise a focus of The Happy Lawyer Handbook. Far too many students and young attorneys permit their fears over their student loans to dominate their career decisions, causing them to accept employment positions they otherwise would never even consider, thereby dooming themselves to a lifetime of professional misery. The Happy Lawyer Handbook shows them how to make sense of their student loan obligations, how to put their debt in the proper perspective, and how to avoid falling into a disastrous career spiral. Should young attorneys strive to retire their student loan debt as quickly as possible? Surprisingly, and contrary to popular opinion, The Happy Lawyer Handbook demonstrates how and why this is perhaps the worst thing he or she should do. On a larger economic scale, the book discusses how the combination of new technology and the recent recession has changed the legal employment marketplace forever. It shows readers how to make sense of it all and points out the hidden upsides to seeking legal employment in a down economy. As The Happy Lawyer Handbook shows, it is possible for savvy legal job seekers to use the current fragile economic climate to their advantage to secure the job of their dreams. The key is in understanding the new rules of the job search game. Readers of The Happy Lawyer Handbook will not only learn these rules but, more importantly, learn how to make them work to their advantage.
With mortgage interest rates at near-record lows, more and more people find their dream of home ownership within their reach. Written in clear, accessible language, this book is filled with all the information prospective homeowners need.
Thinking about a career as a residential mortgage loan officer? Our Manual provides loan officer training and mortgage broker training for individuals at every level of the mortgage industry-from basic training for those just starting out
