All About
Home Financing

Today, almost all homes are purchased with at least a portion of the sale price being financed with a home mortgage.

Today's mortgage marketplace, however, is a complicated and competitive arena. The days of the "one size fits all" home mortgage are long gone, and, as a result, lenders provide homebuyers with as many as many as 50 -75 different types of home loans from which to choose.

Home mortgages, today, are practically custom tailored to each individual buyer's needs and financial means.

• First-time home buyers,
• Affluent home buyers,
• Second home buyers,
• Future-income-potential home buyers,
• Frequently-relocating home buyers,
• And one-house-per-lifetime home buyers

might all finance their home purchases differently.

A savvy homebuyer might be able to save as much money by knowing the "right" financing, as he or she could, by negotiating the "right" price for a house.

The following reports are meant to help you to become a savvy home mortgage shopper and find the financing that will be most beneficial to your situation.

• Number Crunching 101
  Quick calculators for a variety of home mortgage scenarios
• Consumer's Guide To Mortgage Refinancing - (28 page booklet)
  Before deciding to refinance, you need to understand all that refinancing involves.
  Use this guide to help you make an informed decision.
• The New Climate For Mortgage Borrowers
  Tips for refinancing or getting a new loan.
  And what to do if you can't make your mortgage payment.
• Mortgage Comparison Checklist
  When comparing home loans, it's not simply a matter of comparing rates. The Mortgage Comparison Checklist itemizes 47 points to be analyzed when comparing home loans. Use this handy checklist to make sure your are getting the best loan for your particular situation, and also that you are comparing "apples & apples".
• A History Of American Home Financing
  A chronology of federal public policy that has shaped
  the way homes are financed in the United States today
• Loan Purchasing Strategies
• Maximizing Your Buying Power
• Understanding The Loan Process
• Paying Points
• Private Mortgage Insurance
• Rate Lock
• Frequently Asked Questions
• When To Refinance
• No Closing Cost Refinances
• Loan To Value Ratio
• Negative Amortization
• Mortgage As An Investment
• A History Of American Home Financing
• Mortgage Glossary