借款者必知 的106个抵押诀窍106 Mortgage Secrets All Borrowers Must Learn - But Lenders Don't Tell, 2nd Edition snb txt 网盘 pdf kindle 2025 lit 下载

Would you like to discover all of the many ways that you can finance real estate? Want to learn how to cut your financing costs, avoid pitfalls, and negotiate the best terms? Then let Gary Eldred's 106 Mortgage Secrets All Borrowers Must Learn—But Lenders Don't Tell, Second Edition guide you. Fully updated, this practical guide explains how today's changing mortgage market really works. Unlike other mortgage guides, this book goes beyond traditional bank-originated loans and shows you how to benefit with seller financing, assumables, subject-to, wraparounds, lease options, foreclosures, and other money-saving possibilities.

106 Mortgage Secrets also protects you from the sharp practices of loan reps that have recently sparked Congressional hearings and multiple state investigations. In addition, Eldred shows how and why the right financing decisions can add tens (and sometimes hundreds) of thousands of dollars to your long-term net worth. With these 106 secrets, you'll build the confidence and the knowledge to:

Increase your borrowing power

Obtain the lowest interest rate

Understand the true pros and cons of ARMs

Cut (or eliminate) the cost of mortgage insurance

Save big with seller financing, assumptions, foreclosures, and REOs

Strengthen your credit profile and credit score

Avoid getting taken... by the fine print and garbage fees

Steer clear of scams and unprincipled loan reps and lenders

Accumulate wealth through homeownership and investment properties

Simple, concise, and comprehensive, this book reveals everything property buyers need to know—especially the 106 financing secrets lenders too often omit.

Preface to the Second Edition

Introduction: Use OPM to Achieve All That

You Really Want

1 Affordability Depends on You--Not a Lender

SECRET #1Affordability depends on you.

SECRET #2How you choose your property and arrange

financing can add (or subtract) tens (or even

hundreds) of thousands of dollars to (from) your

net worth.

SECRET #3Separate the emotional from the financial.

SECRET #4 Align self-talk with your priorities.

SECRET #5Envision the propert(ies) you would like to

own 5, 1 O, or 15 years from now.

2 Increase Your Borrowing Power

SECRET #610,000 lenders set their own standards.

SECRET #7"You can make your qualifying ratios look better.

SECRET #8Lift your qualifying income.

SECRET #9Reduce your debt.

SECRET #10Use compensating factors to justify higher

qualifying ratios.

SECRET #1 1Never fib to a lender.

SECRET #12Can't qualify? Enlist a cosigner, co-borrower,

or co-owner.

SECRET #| 3Let tenants pay your mortgage.

SECRET #14Don't change your loan status.

Slash Your Cost of Interest

SECRET #15Many borrowers who want a fixed-rate loan

should choose 15 years, not 30 or 40.

SECRET #16Lower interest rates mean big savings.

SECRET #| 7'Lower rates magnify borrowing power.

SECRET #| 8ARMs sometimes offer greater borrowing power,

lower costs, with risk you can manage.

SECRET #19State and local housing finance agencies

offer lower-interest mortgage loans.

SECRET #20Assume a low-interest-rate mortgage.

SECRET #21"Assume" a nonassumable mortgage.

SECRET #22Save $1,000s with a Mortgage Credit

Certificate (MCC).

SECRET #23Seek employer assistance, or seek an employer

who gives assistance.

SECRET #24Obtain a lower interest rate; pay points.

SECRET #25Negotiate a buydown with the sellers.

SECRET #26New homebuilders offer mortgage incentives.

SECRET #27'How to borrow jumbo amounts without paying

jumbo rates.

SECRET #28Your after-tax cost of borrowing may not be as

low as you've been told.

4 The Risks and Rewards of ARMs

SECRET #29 ARMs do not necessarily present more risk than fixed-rate loans.

……

5 Perfect Your Credit Profile

6 The Lowdown on Low Downs

7 Win Big Saving s with Seller Financing Foreclosures or REOS

8 Beware of Those Fine Print Gotckas

9 Achieve the Lowest Lnterest Rate Availabl

10 Managee Your Property and Financing for Maximun Return

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作者简介：Gary W. Eldred, PhD, has invested successfully in real estate for more than twenty years and has served on the graduate business faculty at Stanford University and the University of Virginia. He has authored many other real estate titles, including Make Money with Affordable Apartment Buildings and Commercial Properties, Second Edition; Trump University Real Estate 101; and Investing in Real Estate, Fifth Edition, all from Wiley.

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The only guidebook that shows you how to finance any property--with or without bank approval Would you like to discover all of the many ways that you can finance real estate? Want to learn how to cut your financing costs, avoid pitfalls, and negotiate the best terms? Then let Gary Eldred's 106 Mortgage Secrets All Borrowers Must Learn--But Lenders Don't Tell, Second Edition guide you. Fully updated, this practical guide explains how today's changing mortgage market really works. Unlike other mortgage guides, this book goes beyond traditional bank-originated loans and shows you how to benefit with seller financing, assumables, subject-to, wraparounds, lease options, foreclosures, and other money-saving possibilities. 106 Mortgage Secrets also protects you from the sharp practices of loan reps that have recently sparked Congressional hearings and multiple state investigations. In addition, Eldred shows how and why the right financing decisions can add tens (and sometimes hundreds) of thousands of dollars to your long-term net worth. With these 106 secrets, you'll build the confidence and the knowledge to:

* Increase your borrowing power

* Obtain the lowest interest rate

* Understand the true pros and cons of ARMs

* Cut (or eliminate) the cost of mortgage insurance

* Save big with seller financing, assumptions, foreclosures, and REOs

* Strengthen your credit profile and credit score

* Avoid getting taken... by the fine print and garbage fees

* Steer clear of scams and unprincipled loan reps and lenders

* Accumulate wealth through homeownership and investment properties

Simple, concise, and comprehensive, this book reveals everything property buyers need to know--especially the 106 financing secrets lenders too often omit.