» » Homebuyers Beware: Who¿s Ripping You Off Now?--What You Must Know About the New Rules of Mortgage and Credit

Homebuyers Beware: Who¿s Ripping You Off Now?--What You Must Know About the New Rules of Mortgage and Credit ePub download

by Carolyn Warren

  • Author: Carolyn Warren
  • ISBN: 0137020163
  • ISBN13: 978-0137020164
  • ePub: 1718 kb | FB2: 1477 kb
  • Language: English
  • Category: Personal Finance
  • Publisher: FT Press; 1 edition (October 25, 2009)
  • Pages: 288
  • Rating: 4.9/5
  • Votes: 279
  • Format: lit doc mobi txt
Homebuyers Beware: Who¿s Ripping You Off Now?--What You Must Know About the New Rules of Mortgage and Credit ePub download

Get it. Read it. And take it to the mortgage broker with you. You’ll be glad you did! Download (. MB).

Carolyn Warren Who's ripping you off now: high-tech "smoke and mirrors" that can trick you into overpaying.

Who's ripping you off now: high-tech "smoke and mirrors" that can trick you into overpaying. Negotiation tactics that can reduce your costs for years to come.

Carolyn Warren is my go-to expert for mortgage industry information

Carolyn Warren is my go-to expert for mortgage industry information. She not only helps you avoid rip-offs, she helps you know what questions to ask and how to ask them.

Carolyn Warren is my go-to expert for mortgage industry information. Get it.

Mobile version (beta). Download (pdf, . 9 Mb) Donate Read.

Avoid the newest mortgage scams, lies, and con artists.

by. Warren, Carolyn, 1950

book by Carolyn Warren. Everything you thought you knew about financing a house has changed.

book by Carolyn Warren. Mass Market Paperback Paperback Hardcover Mass Market Paperback Paperback Hardcover.

Everything you thought you knew about financing a house has changed. Your future depends on knowing today’s mortgage and credit realities: Relying on older information could cost you a fortune or keep you from buying a house altogether. In Homebuyers Beware: Who’s Ripping You Off Now? – What You Must Know About the New Rules of Mortgage and Credit, Carolyn Warren reveals the new realities of home financing and shows exactly how to take advantage of them, whether you’re buying your first home, refinancing, struggling with imperfect credit, or planning to invest in real estate.

Homebuyers Beware reveals new secrets homebuyers simply can’t afford to miss and exposes new scams that target today’s eager consumers--including new loans that look great on paper but are every bit as dangerous as yesterday’s subprimes. Unlike other mortgage guides, this book fully reflects today’s radically new mortgage requirements, in addition to the latest federal housing legislation and how to improve your credit rating. Warren covers topics from real estate negotiation, to powerful tips on getting lower interest rates, to avoiding bogus junk fees, and everything in between:

· High-tech “smoke and mirrors” that can trick you into overpaying

· Quick, easy, powerful ways to fix your credit

· Uncovering the costly secrets of the Yield Spread Premium

· The latest laws and credit rules and what they mean to you

· New plans for recovering from bad credit, foreclosures, or short sales

“Carolyn Warren is my go-to expert for mortgage industry information. She not only helps you avoid rip-offs, she helps you know what questions to ask and how to ask them. Full of tips, scripts, and sample letters, Homebuyers Beware is an extremely valuable book that I recommend to all my readers!”--Alison Rogers, “Ask the Agent” columnist, CBS Moneywatch.com

“In this fun-to-read volume, mortgage industry insider Carolyn Warren tells you what real estate cheats and mortgage scammers do NOT want you to know: the tricks, the deceptions, and the outright frauds that would otherwise add thousands, maybe tens of thousands of dollars to your mortgage. Get it. Read it. And take it to the mortgage broker with you. You’ll be glad you did!”

--Clayton Makepeace, The Total Package, Makepeacetotalpackage.com

“In Homebuyers Beware, Carolyn Warren directs her keen eye at the mortgage and credit markets in the wake of the housing bubble. With an insider’s knowledge, plenty of interesting anecdotes, and helpful reference information, Warren is a cheerful teacher leading readers down the path to homeownership and pointing out pitfalls along the way.”

--Ben Meyer, InternetBrands.com

adventure time
This book is so good! I must have read this book and the other book she wrote (mortgage rip offs) about 3 times before I actually went to buy a home... I also had a consult with her which was the utmost helpful... I recommend that you read her books and then go to her website ask carolyn warren.com and then get a consult with her... she was so nice and helpful... and she really helped me to sleep at night.. because I knew that I was getting a good deal and not being swindled...
She took her time with me and explained it all... I felt so nervous talking to her on the phone because I read both her books and to get to talk to her... was really coo!! I was star struck! I am a big fan of hers for many years and I think she is just a wonderful author and person!
Can't wait for her to write another book... as her books are page turners! You will learn a lot if you don't know anything about loans... This book will teach you...!
I am a first time homebuyer.. and while much of the loan process is confusing... this book will make sense of it... but read the books and then have a consult with her... it is truly an all encompassing experience!
Voodoogore
We first purchased the Homebuyers Beware & Mortgage Ripoffs set years ago when we decided to start saving for a down payment on our first home. After reading the books we felt the strong urge to share it with friends who then passed along to their friends; they loved the books! Fast forward years later we finally accumulated enough for a down payment but we knew we couldn't do this alone. We bought Carolyn's Homebuyers Beware e-book for $9.99 it just saved us from a $30K mistake! Read the book and contact Carolyn directly and use the service she provides. You can't have too many people in your corner when there are $$$ involved. Carolyn is very professional and has amazing response times via email. Highly recommended.
Rose Of Winds
As a small businessman and even smaller real estate investor,a licensed R.E.Broker and General Contractor,I wholeheartedly recommend Homebuyers Beware to all home buyers,first timers and seasoned investors alike.

I read Carolyn Warren's first book,Mortgage Rip-Offs,a few months ago and liked it so much I contacted her for consultation re:refinancing of my properties.Eventhough I bought my first home over 30 years ago and many since,I must confess I know NOTHING about yield spread premium and the way brokers/lenders use YSP to add income to themself before reading that book.The YSP information alone was worth thousand times the cost of the book(approx.$13 from AMAZON.COM)because I know absolutely, definitely that the brokers' additional income must come only from one source : borrowers like you and me.

There were other important information for ALL mortgage seekers in the first book :how to negotiate for lower fees and rates,whether to pay point,how and what to do with junk fees etc.All those and more were explained and clarified further in Carolyn's second book,Homebuyers Beware.

In her new book,Carolyn takes her readers to the real estate mortgage market situation today.This is most important due to the fact that rules for qualifying for new and refi mortgages changed substantially in the last 2 years it's like we're looking at 2 different creatures altogather :

---no more easy no loan docs. loan,no more easy qualifying loans
---good credit is a must.So are substantial down payment required in most cases
---W-2,income tax returns and bank staments are all standard required docs.
---etc.,etc

Carolyn explained all of the above in practical details,with intended benefit for the consumers.Even for readers who've no credit,with bankruptcy/shortsale in their credit report or who want to repudiate bad info. in his/her credit files.The book is,like her first book,very easy to read and full of helpfull pointers that can be used to save unnecessary fees/chrges made by lenders/brokers.

This book will save you many,many times the price you pay for it.
Brazil
We were in the process of moving to CA and needed to sell our home in TX and buy another in CA. Even though this wasn't going to be our first time buying a home, it was going to be a whole different world with what just happened with the real estate market. I am so glad I bought this book! I bought the Kindle version and finished it in 1 night. The next day I made my husband read it too. It is so full of information. She spells out all the tricks (used by unscrupulous brokers) and tips (to help you save time and money).

I contacted Carolyn Warren several times to ask her questions and each time she has been gracious and prompt with her responses. She is truly a homebuyer's advocate. I would recommend her book to anyone (first or second time buyer)who is thinking about buying or refinancing a home because the market is changing and you will need to know what the insiders know.
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