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Tables of Contents for The Mortgage Hunter
Chapter/Section Title
Page #
Page Count
Acknowledgments
ix
2
Introduction
xi
1. Setting Your Sights: The Rules for Mortgage Hunting
1
17
The Hunter's Rules
4
2
Inflation
6
1
Taxes and Economics
7
2
Financial Planning
9
4
Do Low Rates Change Prepayment Strategies?
13
1
Can This Be True?
14
2
Leverage
16
1
Investment Real Estate
16
1
How to Profit from This Book
17
1
2. How the Lending System Works
18
47
The Language of Real Estate Finance
18
7
Yield and Points
25
3
New Points Rule Cuts Homebuying Costs
28
2
Why Lenders Need Appraisals
30
3
Knowing the Players: Who Makes Loans, Who Helps
33
3
Secondary Lenders: Who They Are and What They Do
36
2
How to Apply for Financing
38
4
Full Docs versus Reduced Paperwork
42
2
Quickie Application Programs
44
1
Lock-Ins
45
5
What Lenders Look For
50
2
Credit Scoring
52
2
Evolving Lender Standards
54
2
Credit, Good and Bad
56
5
What Are the Lender's Policies?
61
4
3. Financing and Ownership
65
16
Condos, PUDs and Co-ops
67
9
Timesharing
76
5
4. How to Pick the Right Mortgage
81
15
How to Compare Loan Formats
84
2
Loans Online
86
10
5. No Money Down and All-Cash Financing
96
9
No Money Down-For Real
99
3
Buying for Cash
102
3
6. "No Cost" Loans Strain Belief
105
4
7. The Conventional Loan
109
4
8. Second Trusts
113
12
How to Cut Housing Prices with Second Trusts
116
2
Sellers as Second Trust Lenders
118
4
How to Save $100,000 with Second Trusts
122
3
9. How to Pay Off a Balloon Note
125
5
10. How to Save Money with Assumable Mortgages
130
10
Where to Find Assumable Loans
133
3
Assumptions and Responsibility
136
4
11. Assisted Loans
140
38
Gifts and Co-Signers
140
3
VA Financing
143
6
FHA Loans
149
11
Private Mortgage Insurance (MI)
160
7
How to Avoid Private Mortgage Insurance
167
1
Reduced-Equity Refinancing
168
1
3/2 Loans and Employer Assistance
169
3
Unemployment Insurance
172
2
Equity-Sharing
174
4
12. Alternative Mortgages from A to Z
178
93
Affordable Gold
179
1
Annuity Mortgages
180
3
ARM Loans
183
6
The Two-Step and Other Long-Term ARMs
189
1
Other Long-Term ARMs
190
7
Blend Loans: How to Finance and Refinance at Discount
197
1
Bridge Loans Close Financing Gap
198
2
Buy-Downs and Buy-Ups
200
5
Credit Card Financing: Plastic Mortgages for Everyone?
205
2
Construction Financing
207
3
Debt Replacement Loans
210
3
Ecology Loans
213
2
Endowment Mortgages
215
3
Escrow Solutions
218
2
Escrow Reform
220
1
Farm and Rural Loans
221
2
Graduated Payment Mortgages (GPMs)
223
4
Growing Equity Mortgages (GEMs)
227
4
Home Equity Mortgages
231
3
Home Equity Loans and Special Rules
234
2
Listing Improvement Loans
236
1
The Lowdown on Low Cash Loans
237
2
Municipal (Bond-Backed) Mortgages and Mortgage Credit Certificates
239
2
Mortgage Credit Certificates (MCCs)
241
4
NeighborWorks: $1,000 Down for a Home-or Less
245
2
Pledged and Reserve Account Mortgages
247
3
Prepayment Penalty Mortgages
250
3
Reverse Mortgages
253
4
Second Home Financing
257
2
Short Sale "Financing"
259
2
Title I: Is This the Best Small Loan in Town?
261
2
Wraparound Loans
263
4
Zero-Interest (ZIP) Mortgages
267
4
13. Loans to Avoid
271
11
Cash-Back Financing
271
Land Contracts
273
2
Roll-Over Loans
275
3
Section 32 Mortgages
278
2
The 40-Year Mortgage
280
2
14. Refinancing: Four Profit Strategies Produce Big Mortgage Interest Cuts
282
19
The 2 Percent Myth: Refinancing Refigured
284
2
A Restructuring Quartet
286
2
Restructuring versus Refinancing
288
4
Full Curtailments: How to Pay Off Loans at Discount
292
2
Cash-Out Refinancing
294
1
Refinancing in a Down Market
295
3
Don't Forget Hidden Refinancing Costs
298
3
15. Cheap Refinancing
301
16
Streamline Refinancing
310
3
ARM Conversions
313
1
Skip-a-Payment Financing
314
3
16. Saving Money with Short-Term Strategies
317
9
The 15-Year Mortgage
317
4
Back-Door 15-Year Loans
321
1
The Bi-Weekly Mortgage
322
4
17. Additional Information
326
3
Appendix A: Loan Release Tips
329
2
Appendix B: Specialized FHA Loan Programs
331
2
Index
333