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Mind Your Own Mortgage: The Wise Homeowner's Guide to Choosing, Managing, and Paying Off Your Mortgage Paperback – May 4, 2010


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Mind Your Own Mortgage: The Wise Homeowner's Guide to Choosing, Managing, and Paying Off Your Mortgage + Homebuyers Beware: Who¿s Ripping You Off Now?--What You Must Know About the New Rules of Mortgage and Credit + Holmes Inspection: The Essential Guide for Every Homeowner, Buyer and Seller
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Product Details

  • Paperback: 302 pages
  • Publisher: Thomas Nelson (May 4, 2010)
  • Language: English
  • ISBN-10: 1595550887
  • ISBN-13: 978-1595550880
  • Product Dimensions: 8.1 x 5.4 x 0.8 inches
  • Shipping Weight: 5.6 ounces (View shipping rates and policies)
  • Average Customer Review: 4.3 out of 5 stars  See all reviews (55 customer reviews)
  • Amazon Best Sellers Rank: #1,451,889 in Books (See Top 100 in Books)

Editorial Reviews

About the Author

Robert J. Bernabé is an expert in mortgage finance who has been quoted in media outlets such as The Wall Street Journal, The Washington Times, and many others. He serves on the financial stewardship team at Saddleback Church in Lake Forest, California.


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Customer Reviews

For a money technical book it's very easy to read and understand.
M. Burke
I was really excited to get this book as I love all things related to saving money, living frugally, and debt-free living.
Ginger Clark
Great book to read for anyone looking to purchase or refinance a home.
Denise Clement

Most Helpful Customer Reviews

5 of 5 people found the following review helpful By A. Webb on November 19, 2010
Format: Kindle Edition Verified Purchase
The author of this book seems very knowledgeable about mortgages and the industry as a whole, however I was sorry I got this book.

The book does precious little explaining of the basics and functionality of mortgages themselves, but rather spends the bulk of its time telling you how to shop for a mortgage; more to the point: how to use the charts and tables included in the book for your shopping. It was more an instruction manual on use of the "system" and forms than a book explaining mortgages.

Another item, which is a stylistic complaint, was the tone of the writing. It was just exhausting. Exclamation points everywhere. I felt like I was reading an infomercial transcript.

I don't mean to be overly harsh, because the author commendably wrote a book to try to help people get better mortgages, but I was mad by the end of the book that I hadn't got what I wanted from it.
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5 of 5 people found the following review helpful By T. Brown on May 8, 2010
Format: Paperback
Minding Your Own Mortgage- The Wide Homeowner's Guide to Choosing, Managing, and Paying Off Your Mortgage by Robert J. Bernabe surprised me in a couple of ways. For one, the book is a lot better than the cover art. For another, it was enlightening and easy to understand. That's what I enjoyed most about this "how-to" guide to being smarter when it comes to mortgage shopping and managing is that it is very straight-forward, doesn't give me more information than I need and bore me with stuff I wouldn't understand unless I actually worked in the industry. Much of the time, I found myself thinking, "Hey, I did this when shopping for my last mortgage" but I didn't know that it was worthy of writing a book about. But maybe that is exactly the point of the book. This is stuff we should know. It is stuff our grandparents probably knew, and somehow, over the years, we learned to trade long-term wisdom and delayed gratification for short-term benefits and immediate pleasure, only to pay the piper in the long run. Bernabe puts forth straightforward truths, simple checklists, and good worksheets so I can know if a lender is hosing me, and all in a clear way anyone can understand. The bottom line is this- this book should not have been written. It should not come as a shock to anyone, the principles included. And we should not be in the mess we are in as a nation. But because we are, Bernabe's book is worth the read, and its timeliness is impeccable.

Disclosure of Material Connection: I received this book free from Thomas Nelson Publishers as part of their [...] book review bloggers program. I was not required to write a positive review. The opinions I have expressed are my own. I am disclosing this in accordance with the Federal Trade Commission's 16 CFR, Part 255 : "Guides Concerning the Use of Endorsements and Testimonials in Advertising."
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5 of 5 people found the following review helpful By Deanna Runyen on May 5, 2010
Format: Paperback
I chose the book Mind your own Mortgage by Robert J. Bernabe. This book has three sections: choosing, managing, and paying off your mortgage. Most books of this type were written years ago and dont fit into the economy today. This one does!! It breaks each section down into mini sections and talks in detail about each step. It talks you through the mortgage process. At the end of the book you feel completely confident that you can find the best mortgage for you and pay it off with little stress or strain on your other finances. This book was VERY insightful for me. I learned so much about mortgages that i didnt know before i read this book. It also helped me to see things from a different perspective and save some money on my mortgage. This is a good book for anyone with a mortgage but ecspecially the first time home buyers only because it points out what to look for and how to manage the mortgage.

I would highly recommend this book to anyone wishing to become more financially free. And anyone who wants to understand their mortgage better.
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2 of 2 people found the following review helpful By J. Rider on January 25, 2011
Format: Paperback
This is a great book for 2011 and 2012 to help understand how to buy a mortgage or when and how do refinance. It answered many of the basic questions I had. There are clear explanations to terms used in the mortgage industry such as types of loans, how do points work, the forms to request and how to read them. A great plus is the analytically plan to shop and decided on the best mortgage or refinance. The free website was also a great tool in printing off the forms for planning and presenting for applying and closing the loan.

I think this is a great use of time and money when preparing to either buy or considering a refinance.

The only con was the redundancy in the first half of the book. Yet, that is no reason to avoid this book!
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2 of 2 people found the following review helpful By Carlee Russell on August 28, 2010
Format: Paperback
Price over Payment.

Real Money saved over money saved on paper.

Long term outlook over short term gain.

The principles Robert Bernabe expouses in his timely book, Mind Your Own Mortgage: The Wise Homeowners Guide to Choosing, Managing, and Paying off your Mortgage, are simple, practical, realistic, and if followed will save consumers millions of dollars.

Most of all I appreciated his wisdom on price shopping for a mortgage. You can easily compare the actual costs of groceries, lawnmowers, and even cars if you are savy, but it is very difficult to compare mortgages because the lenders and the brokers suck you in with how much your mortgage will cost you monthly--and whether it's a new mortgage or a refinance, spending less money each month sounds really good. But what if it is costing you tens of thousands of dollars over the long term? Bernabe offers his own worksheet and methods to allow you to easily and clearly see what the bottom line is in any mortgage offer you receive.

I highly recommend this helpful book to anyone looking to buy or refinance, but honestly it's a good book for everyone to read. Along with Financial Peace, by Dave Ramsey, Mind Your Own Mortgage can significantly help you on the path to financial independence, and to taking control of your own finances.
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