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| 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 |
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