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Mind Your Own Mortgage: The Wise Homeowner's Guide to Choosing, Managing, and Paying Off Your Mortgage Paperback – May 2, 2010

4.4 out of 5 stars 57 customer reviews

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Editorial Reviews

About the Author

Robert J.Bernabéis a twenty-five–year veteran of the financial services industry and has led several prominent mortgage companies, including E*TRADE Mortgage and the restructuring of H&R Block Mortgage. Rob was a pioneer in online mortgage lending, growing E*TRADE Mortgage from a small company to one of the largest online lenders in the nation. With Rob’s passion for consumer advocacy, E*TRADE became the first to offer upfront guaranteed mortgage pricing nationwide and offering the nation’s first portable mortgage.Rob’s goal is to create a consumer-led revolution of the mortgage industry by giving information that will empower them to shop, manage, minimize, and eliminate their mortgage debt. He serves on the financial stewardship team at Saddleback Church in Lake Forest, California.He lives in Southern California with his wife, two children, and three dachshunds.
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Product Details

  • Paperback: 302 pages
  • Publisher: Thomas Nelson (May 2, 2010)
  • Language: English
  • ISBN-10: 1595550887
  • ISBN-13: 978-1595550880
  • Product Dimensions: 5.5 x 0.8 x 8.2 inches
  • Shipping Weight: 5.6 ounces (View shipping rates and policies)
  • Average Customer Review: 4.4 out of 5 stars  See all reviews (57 customer reviews)
  • Amazon Best Sellers Rank: #2,349,893 in Books (See Top 100 in Books)

Customer Reviews

Top Customer Reviews

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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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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Format: Paperback Verified Purchase
I bought one for family member who dove into home-ownership, before they were financially stable. Gave it to them as a house-warming gift. It's a good way to say "you need help", and providing it, without being too blunt/hurtful. I didn't read mine yet, but skimmed it, and seems to be fairly easy to understand. Looks to have a lot of common sense techniques in it. I was hoping to find a more detailed budget outline in it though.
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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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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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