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Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan (Paperback)

~ (Author) "There's a lot more to buying a home than just picking one out and moving in..." (more)
Key Phrases: soft penalty, wholesale lender, lock agreement, Freddie Mac, Fannie Mae, Finding Your Home Loan (more...)

4.8 out of 5 stars See all reviews (16 customer reviews)

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Editorial Reviews

From Publishers Weekly

Reed, an experienced loan officer and columnist for Realty Times, offers an easy-to-digest look at the world of mortgages. With definitions of the various types of loans, explanations of credit scores and a discussion of how the Internet has changed the real estate business, the book is a handy reference for anyone involved in real estate transactions-though best for beginners who want a map to navigate their way through the complexities of mortgages. The book explains such basic issues as the difference between renting and buying, which individuals at a bank actually approve loans and how to figure out debt ratio. More complex topics, like construction loans and getting online approvals, are also included. Reed writes in a straightforward, conversational tone and offers appropriate cautions, such as not to reveal confidential information online. While much of this information is available elsewhere, Reed serves up useful advice that is rarely discussed. For example, there is a "rescission" period for refinanced mortgages that gives people a three-day grace period to get out of the mortgage agreement with no penalties; he also discusses various types of appraisals. While there are books that cover this information in more depth, the q&a format makes this a worthwhile addition to the real estate shelves.
Copyright © Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.

Review

"..an easy-to-digest look at the world of mortgages.The Q&A format makes this a worthwhile addition to the real estate shelves." -- Publisher's Weekly

"On my scale of one to 10, this outstanding home-mortgage book rates an off-the-chart 12." -- Robert Bruss, nationally syndicated columnist

"Written in Q&A, the advice in Mortgages 101 is unvarnished and to the point. -- RealtyTimes.com

I've been involved... real estate market for [over] 35 years, I learned lots of insider mortgage information I didn't know. -- Robert J. Bruss, Inman News

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Product Details

Paperback: 288 pages
Publisher: AMACOM; 1st edition (September 6, 2004)
Language: English
ISBN-10: 0814472451
ISBN-13: 978-0814472453
Product Dimensions: 8.9 x 6 x 0.8 inches
Shipping Weight: 1 pounds (View shipping rates and policies)

Average Customer Review: 4.8 out of 5 stars See all reviews (16 customer reviews)

Amazon.com Sales Rank: #595,197 in Books (See Bestsellers in Books)
Popular in this category: (What's this?)
#71 in Books > Business & Investing > Real Estate > Mortgages

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Front Cover | Table of Contents | First Pages | Index | Surprise Me!

Inside This Book (learn more)

First Sentence:
There's a lot more to buying a home than just picking one out and moving in. Read the first page

Key Phrases - Statistically Improbable Phrases (SIPs): (learn more)
soft penalty, wholesale lender, lock agreement, indexed rate, housing ratio, loan guidelines, junk fees, damaged credit, bonus income, best lender, rate quote, permanent mortgage, lender fees, mortgage insurance premium, settlement agent, closing costs, discount point, jumbo loans, loan processor, paycheck stubs, mortgage process, best interest rate, credit score, close loan, closing fees

Key Phrases - Capitalized Phrases (CAPs): (learn more)
Freddie Mac, Fannie Mae, Finding Your Home Loan, Getting Your Credit Together, Finding the Best Interest Rate, Getting Your Finances Together, Improve Them, Know How Much Home, United States, Better Business Bureau, San Diego

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Front Cover | Table of Contents | First Pages | Index | Surprise Me!

Citations (learn more)

This book cites 1 book:

What If? by Shari Low on page 87, and page 128

Books on Related Topics (learn more)

Mortgage Encyclopedia by Jack M. Guttentag

Discusses:

The Loan Officer Guide, Vol. I by Fredrick R. Williams

Discusses:

Who Says You Can't Buy a Home! by David Reed

Discusses:

Starting Out by Dian Davis Hymer

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What Do Customers Ultimately Buy After Viewing This Item?

	62% buy the item featured on this page: Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan 4.8 out of 5 stars (16) $16.95
	12% buy Mortgage Ripoffs and Money Savers: An Industry Insider Explains How to Save Thousands on Your Mortgage or Re-Finance 4.8 out of 5 stars (80) $12.21
	9% buy Mortgages For Dummies, 3rd Edition 4.3 out of 5 stars (20) $11.55
	9% buy Nolo's Essential Guide to Buying Your First Home (book with CD-Rom & Audio) 4.4 out of 5 stars (16) $16.49

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Customer Reviews

16 Reviews

5 star:		(13)
4 star:		(3)
3 star:		(0)
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4.8 out of 5 stars (16 customer reviews)

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Most Helpful Customer Reviews

24 of 25 people found the following review helpful:

5.0 out of 5 stars This book is a must read for anyone in the business, April 24, 2005

By	Christopher Cruise "LOBooks" (Silver Spring, MD USA) - See all my reviews (REAL NAME)

I train residential mortgage loan originators around the country and I recommend this book to all of them. I have learned more from this book than from dozens of other books combined. Do not lend or broker mortgage money without reading this book; you will learn more from this book than you would from spending ten years in the business.

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14 of 14 people found the following review helpful:

5.0 out of 5 stars Great book, easy to understand, lots of secret information, October 12, 2004

By	donna - See all my reviews

I picked this book because it was kind of a cross between Mortgages for Dummies because it was easy to get through and find different information and other mortgage books that get so technical that they're boring. One of the quotes on the back cover said something like "...the book on getting the lowest rate is worth the price of admission alone..." I couldn't agree more. I'm buying my second house now and wish I had this book the first time around.

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16 of 17 people found the following review helpful:

5.0 out of 5 stars An Excellent Primer, March 21, 2005

By	Gary Frimann (Gilroy, CA United States) - See all my reviews (REAL NAME)

Dave Reed has written an excellent book. His style of a Q & A format makes for easy reading and he keeps the answers short and on point. I own a mortgage company and a real estate brokerage, and I think his book could easily be used by the following 3 groups:
1) People shopping for a loan
2) Realtors who want to familiarize themselves with the multitude of loan products available.
3) Any agent new in the industry. I would advise every lender to have a copy on hand. If you get a new agent who is inexperienced, put them in a corner their first day on the job and have them read this book.
I think Mr. Reed has done a thorough job explaining what is currently out there in the way of mortgages, and his Q & A format worked because that is typically how a loan officer gets and delivers information, i.e. "If I do that what happens?" or "Can I buy this house with this much or that much down?"
He strongly encourages in this book to find an experienced loan agent who is working in your best interest. Even though there are a loans available these days, not all make financial sense to all people. Sometimes a borrower just has to take what is offered due to job history, credit history, or lack of downpayment. But, the good news is that people can now get loans who could not get loans in the recent past (at somewhat reasonable rates). Real Estate has been so good to so many people, that it is undeniably the best investment for the average person. I've seen it too many times in my 19 years of being in the business. Dave Reed has done much to add to the understanding of loans for the average person.
Good job Dave on this great book.

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Most Recent Customer Reviews

5.0 out of 5 stars A must have!
This is absolutely a great book to read. It is very easy to understand and very straight forward. I highly recommend it for anyone who are looking into buying a home..... Read more

Published 3 months ago by D. Sang

4.0 out of 5 stars Mortgage 101
This is a good basic book for helping one to understand the mortage industry. It is an easy read and one I would recommend to others.

Published 5 months ago by W. Sanders

4.0 out of 5 stars Definitely Helpful
It is certainly a very helpful resource for most people who don't get to learn much about the mortgage market and industries. Read more

Published 5 months ago by Chung Dynasty

5.0 out of 5 stars Love, love this book
I gave this book 5 stars. Must have this book for every one who is buying or refinancing the house(I am a homeowner). Love, love this book!! Worth to buy and have in your library.

Published 8 months ago by O.B.

5.0 out of 5 stars Mortgage Book
I ordered several mortgage books to use as reference tools as I begin my new loan officer career. I have not had a chance to read the book yet, but I feel confident that it will... Read more

Published 18 months ago by S. Martin

4.0 out of 5 stars Get you basics cleared here!
Good Book to get familiar with the jargon thrown at you by the realtors. Also covers some mortgage related history, math you need to know while answering the basic questions you... Read more

Published on October 22, 2007 by Preminder Singh

5.0 out of 5 stars So simple!
Breaks down industry terms into bite sized chunks. Concepts are clear and simple. Put this in your backpack when talking with lenders/brokers/agents.

Published on May 22, 2007 by J.A. Obsideo

5.0 out of 5 stars Excellent Explanation of Basics
This book helped me understand the mortgage jargon. I feel more confident of certain terms and mortgage products which can confuse anyone that is unsuspecting of mortgage... Read more

Published on March 12, 2007 by J. London

5.0 out of 5 stars Mortgages 101
Mortgages 101 is an excellent resource for current home-owners, and aspiring ones. It provides a smart, clear understanding of the topic, and is relevent and accessible to a broad... Read more

Published on January 22, 2007 by Shesheldon

5.0 out of 5 stars The best investment you can make before taking the most important decision of your life!
I would recommend this book to any first time homebuyers who are intimidated about the entire mortgage process. Read more

Published on July 3, 2006 by V. Grellier

› See all 16 customer reviews...

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