How to Get the Best Home Loan, 2nd Edition
March 24, 2008
Save Time and Money-and Get the Loan That’s Right for You
Ever-changing mortgage guidelines . . . confusing financial forms . . . if you’re buying or refinancing a home, you know all too well how overwhelming and intimidating the mortgage process can be. This revised edition of How to Get the Best Home Loan guides you through all the critical issues and demystifies the mechanics of mortgage lending-everything from disclosures and fees to closing costs, points, and making payments. Longtime mortgage banking industry insider and former realtor W. Frazier Bell helps you sidestep the risks of financing a mortgage and sheds light on many unknown aspects that keep borrowers from making intelligent, money-saving decisions.
Written in clear, simple language, this comprehensive Second Edition features new information on desktop underwriting, merged credit reports, and using the Internet, as well as updated sections on verifications, qualifying, and loan types. Bell gives you hands-on access to his hard-won experience, providing the tools you need to:
- Understand why lenders do the things they do
- Learn what to look for when comparing loans and lenders
- Head off potential problems and expensive mistakes
- Navigate FRMs, ARMs, FHAs, GEMs, and TILs
- Know why certain loans may be better for you than others
- Save yourself hundreds, even thousands, of dollars
Packed with real-life examples, sample forms, and proven advice, How to Get the Best Home Loan, Second Edition will ensure that you get the right loan, at the right price, from the right lender.
Personal Finance 101 - A Beginner’s Guide: What Every High School and University Student Needs to Know About Debt, Credit, and Money!
March 24, 2008
Everything that you need to know about basic personal finances, from how to open a checking account to getting credit cards to how to use credit wisely and to your advantage to how to avoid getting into trouble with debt and credit to how to get a loan or grant for university to basic investing ideas, and more is in this book! Filled with a wealth of knowledge to help you gain good personal financial habits and retire wealthy, Personal Finance 101 - A Beginner’s Guide is ideal for teens and twenty-somethings just starting out in the financial world. Parents will want to read this book with their young adults to give them the head start in financial life that they never received. Complete with numerous links to on-line resources, you’ll want to refer to this book over and over again!
2008 Guide to Federal Grants and Government Assistance to Small Business: Grants, Loans, Aid, Applications, New Programs, FOIA Records, CFDA (Two CD-ROM Set)
March 24, 2008
Newly revised and expanded for 2008 with updated material not found in earlier editions, our unique electronic book on two CD-ROMs has an amazing collection of the finest federal documents and resources on government grants plus assistance programs for small businesses. It even includes a section on getting files and records from government agencies through the Freedom of Information Act (FOIA) and the Privacy Act. Save time and effort by using this comprehensive resource to find grants, disaster relief, loans, programs, or records! There is individual coverage of federal agencies and departments, along with tips and resources for grant proposal writing. The second disc in this set adds almost 55,000 pages of detailed material to our basic grants disc (for a total of nearly 120,000 pages), including the latest Green Book on Social Programs, full coverage of Faith-Based and Community Initiatives programs, HUD, EPA, Energy, Education, Arts, NASA, NIST, NOAA, Transportation, USDA, and other programs, and much more! FEDERAL GRANTS - We go far beyond just the Catalog of Federal Domestic Assistance (CFDA), the OFFICIAL guide to federal grants, with its thousands of pages on loans, grants, surplus equipment, and training from 1662 agency and department programs worth $300 billion. (The printed CFDA is still sold by GPO, now for $75!) There are over 60 new programs from the Departments of Agriculture, Defense, HUD, Interior, Justice, Labor, Transportation, EPA, Energy, Nuclear Regulatory Commission, Health and Human Services, and Homeland Security. Our CD-ROM now has 74 unique sections devoted to specific agencies or topics, with nearly 65,000 pages of material. FOIA and Privacy Act coverage has information on contacting every government agency, guides to writing FOIA requests, FOIA law and related topics. There is specific information on all 15 types of assistance: Formula & Project Grants, Direct Payments - Unrestricted, Loans, Insurance, Sale/Exchange/Donation of Property, Goods, Use of Property, Facilities, Equipment, Advisory Services, Counseling, Technical Information, Training, Investigation of Complaints, and Federal Employment. Categories of service provided include: Agriculture, Arts, Business, Commerce, Community Development, Consumer Protection, Disaster Prevention and Relief, Education, Employment, Labor, Training, Energy, Environmental Quality, Food, Nutrition, Health, Housing, Humanities, Information, Statistics, Law/Justice/Legal Services, Natural Resources, Regional Development, Science, Technology, Social Services, Income Security, and Transportation. As the catalog itself says, Get started today exploring the amazing world of grants and loans provided by the Federal Government!” SMALL BUSINESS ASSISTANCE - There is comprehensive information for entrepreneurs with documents, forms, and materials from the Small Business Administration and Securities and Exchange Commission: library of documents, forms, startup kit, information about loan programs and financing, laws, regulations, research reports, success stories, workbooks, disaster / terrorist relief loans and aid, franchising, international trade, and more. A full set of “frequently asked questions″ (FAQs) provides a wealth of information about how the SBA can assist small business owners. The SEC material includes a complete set of publications on a full A to Z range of topics from accounts to variable annuities.”
McGraw-Hill’s Interest Amortization Tables
March 24, 2008
McGraw-Hill’s Interest Amortization Tables is the versatile, easy-to-use loan-table reference homebuyers, borrowers, and lenders have been looking for. The main tables cover loans up to $300,000 for up to 30 years, and at rates of 5% to 20%. Extensively revised and updated from the previous edition, this edition now adds jumbo loans to the main table, and features timely new sections on adjustable rate mortgages, balloon payment loans, bi-weekly payment loans, and prepaying loans. Plus­­it provides all the necessary data for calculating all amounts and terms not covered in the tables.
Inside you’ll find:
- Clear-cut, practical instructions
- A glossary of frequently used terminology
- Illustrative model cases
- New examples not found in the previus edition
McGraw-Hill’s Interest Amortization Tables will swiftly guide even the most inexperienced users to quick solutions for their pressing loan questions.
Real Estate Riches: How to Become Rich Using Your Banker’s Money
March 24, 2008
A large percentage of the rich in America today make their wealth (or keep it) through real estate. In Real Estate Riches, self-made real estate mogul Dolf De Roos reveals why investing in property is so astoundingly simple and lucrative, as well as insider secrets for getting into-and ahead-in this high-profit business.
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