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Keys to Mortgage Financing & Refinancing

by: Friedman, Jack P.

Keys to Mortgage Financing & Refinancing

by: Friedman, Jack P.

ISBN 13:
9780764135316
ISBN 10:
0764135317
Edition: 4th
Format: Paperback
Copyright: 10/01/2006
Publisher: Barrons Educational Series Inc

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Summary

Updated to account for current low interest rates and historically high real estate prices, this book advises on the details of getting a mortgage for a home purchase, dealing with banks and other lenders, and getting the best deal available. All titles in Barron's Business Keysseries are written with a minimum of financial jargon and are directed at ordinary consumers and nonprofessionals in the business world.

1. Mortgage Loan Overview

(3)

2. Home Financing in the Twenty-First Century

(4)

3. What Makes Interest Rates Go Up and Down?

(4)

4. Loan-to-Value Ratio

(2)

5. Leverage

(2)

6. Tax Considerations

(2)

7. Loan Shopping

(3)

8. Loan Sources: First Lien Loans

(3)

9. Pre-qualification and Pre-approval

(2)

10. Loan Sources: Junior Lien Loans

(2)

11. Special Loans for First-Time Homebuyers

(4)

12. Loan Application Process

(3)

13. Loans That Require Less Paperwork

(2)

14. Guaranteed and Insured Loans

(2)

15. Canceling or Avoiding Private Mortgage Insurance

(4)

16. Seller Financing

(2)

17. Discount Points and Interest Rates

(3)

18. Refinancing Mortgages

(2)

19. Total Cost of the Loan

(3)

20. Loan Qualifying

(3)

21. How a Loan Application Is Evaluated

(4)

22. Mortgage Loans for People Without Good Credit

(3)

23. Co-signing a Mortgage

(2)

24. Refinancing Costs

(4)

25. Estimating Interest Rate on New Money

(2)

26. Comparing a New Loan to Added Financing

(3)

27. Time Value of Money

(2)

28. How to Find Your Marginal Tax Rate

(2)

29. Loan Commitments and Lock-ins

(2)

30. Loan Default(s) and Foreclosure

(2)

31. Tax Treatment of Discount Points Paid

(2)

32. Financing Closing Costs

(2)

33. Refinancing with FHA and VA Loans

(2)

34. Prepayment Penalties

(2)

35. Second and Vacation Homes

(2)

36. Finding Your Home's Value

(2)

37. Appraisals

(4)

38. Depreciation in Value

(2)

39. Lump-Sum Second Mortgages

100

(2)

40. Home Equity Lines of Credit and Revolving Plans

102

(2)

41. Home Equity Loan Hazards

104

(3)

42. Home Equity Loan Sources

107

(2)

43. Converting Nondeductible Interest

109

(2)

44. Using Your Home to Finance Investments

111

(2)

45. Increasing Your Deductible Interest

113

(2)

46. Mortgages for Retirement Income

115

(2)

47. Refinancing to Reduce Interest Costs

117

(2)

48. When You Should Refinance

119

(3)

49. Retiring a Home Mortgage

122

(2)

50. When to Consider Paying Off a Loan Early

124

(2)

51. Paying Down Your Loan

126

(4)

52. Refinancing Under Financial Distress

130

(2)

53. Refinancing Short-Term Loans

132

(2)

54. How ARMs Differ from Fixed-Rate Loans

134

(4)

55. Adjustable-Rate Mortgage Terms

138

(3)

56. Evaluating an Adjustable-Rate Mortgage

141

(2)

57. Adjustable-Rate Mortgage Indexes

143

(2)

58. Convertible Adjustable-Rate Mortgages

145

(2)

59. Home Improvement Financing Options

147

(2)

60. Tax Considerations on a Home Improvement Loan

149

(1)

61. Tax Problems at Resale

150

(2)

62. Assumable Loans and Resale Value

152

(2)

63. Proceeds from Resale

154

(2)

Questions and Answers

156

(7)

Glossary

163

(13)

Use of Calculators

176

(4)

Table 1. Monthly Principal and Interest Payments per $1,000 of Principal

180

(2)

Table 2. Monthly Mortgage Payments at Various Principal Amounts

182

(17)

Index

199

Amazon no longer offers textbook rentals. We do!

Keys to Mortgage Financing & Refinancing

Keys to Mortgage Financing & Refinancing

9780764135316

0764135317

Summary

Table of Contents

Supplemental Materials

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