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| Foreword. Introduction. Section 1. Where Do I Start? Myth #1 - Renting is Better than Buying. Myth #2 - I Can't Qualify for a Loan. Myth #3 - Only U.S. Citizens Can Qualify for a Mortgage. Myth #4 - I Should Look at Some Houses First. Myth #5 - I Need a Down Payment - But I Don't Have the Funds. Myth #6 - I Should Make the Biggest Down Payment I Can. Myth #7 - Mortgage Companies and Loan Officers are Licensed and Regulated. Myth #8 - Big Lenders and Major Banks are Always Better. Myth #9 - My Best Bet is to Use a Friend (or Someone Local). Myth #10 - I'll Find a Better Deal on the Internet. Myth #11 - I Can Get a Higher Return by Investing in Stocks. Section 2. Playing "The Mortgage Game". Myth #12 - My Main Goal is to Snag the Lowest Interest Rate. Myth #13 - The Federal Reserve Controls Interest Rates. Myth #14 - Stay with "Fixed Rates" - ARM's Are Just Too Risky. Myth #15 - A Shorter Term Always Beats a 30- or 40-Year Term. Myth #16 - My Credit History Needs to be Perfect. Myth #17 - My "Credit Score" Determines My Loan's Approval. Myth #18 - Be Conservative - Don't Stretch Yourself. Myth #19 - I'm Divorced or Declared Bankruptcy... So I'll Never Qualify. Myth #20 - Special Financing Programs Aren't Available to Me. Myth #21 - I Should Avoid "Mortgage Insurance". Myth #22 - The "Good Faith Estimate" Guarantees My Closing Costs. Myth #23 - I Have to Use the Realtor/Builder's Loan Officer. Section 3. Selecting the "Right" Home. Myth #24 - I'll Save Big Money Buying FSBO. Myth #25 - I Have to Shop Within a Certain Price Range. Myth #26 - Everything Is Included in the Sales Price. Myth #27 - The Appraiser Will Specify the Value and Any Required Repairs. Myth #28 - The Real Estate Agent Will Protect Us. Myth #29 - Condos Are Bad Investments... and Hard to Finance. Myth #30 - Seller Disclosures are Complete and Accurate. Myth #31 - I Should Buy the Biggest House at a Bargain Price. Myth #32 - I Should Always Use an Attorney. Myth #33 - I Don't Need an Inspection - It Looks Great to Me! Myth #34 - I've Seen Enough.. I've Found the Home I Love! Myth #35 - It's Okay to Buy - This Area is Booming . Myth #36 - All Sales Agreements and EMD Requirements Are Standard. Myth #37 - I Can't Withdraw My Offer – It's Too Late. Myth #38 - Beware of Foreclosures - They're a Headache. Myth #39 - I Make Money When I Sell – Not When I Buy. Myth #40 - My Tenants Will Finance My Investment Property. Section 4. The Mortgage Process. Myth #41 - The Loan Process Takes a Long Time. Myth #42 - All Applications and Disclosure Forms Are Standard. Myth #43 - We’re Approved: Our Worries Are Over! Myth #44 - My Interest Rate Is Locked In AND Guaranteed. Myth #45 - A Pre-approval is a Pre-Approval. Myth #46 - I Have to Let My Lender Escrow Taxes and Insurance. Myth #47 - I'm Self-Employed - Getting Approved Will Be Tough. Myth #48 - The House Needs Repairs - We'll Do Them Later. Myth #49 - Personal 'Profiling" Is Part of the Approval Process. Section 5. It's "Closing" Time. Myth #50 - Someone Else Decides the Closing Date and Location. Myth #51 - Why Do I Need "Title Insurance"... I Can't Even Select the Provider. Myth #52 - It's Cheaper to Close at the End of the Month. Myth #53 - I Can't Review Documents in Advance. Myth #54 - The Seller's Home Warranty Protects Us. Myth #55 - The House Will Be in "Move-In" Condition. Myth #56 - It's All Triple-Checked and Ready to Go! Myth #57 - I Need Homeowners Insurance to Cover the Entire Purchase Price. Myth #58 - I Need Credit Life Insurance to Protect Myself. Myth #59 - My House Payment Will Never Change. Section 6. The Refinance Game. Myth #60 - Never Refinance Until the Rate is 2% Lower. Myth #61 - I Should Never Refinance Into a Higher Interest Rate. Myth #62 - I'm Not Allowed to Pay Extra - There's a Pre-Payment Penalty. Myth #63 - Reverse Mortgages Are a Bad Idea. Myth #64 - My Terms May Change if the Loan is Sold. Myth #66 - Refinancing: Better Than Home Equity or Construction Loans. Myth #67 - Low Inflation Means Low Appreciation. Myth #68 - I Have to Live There at Least 3 Years to Break Even. Myth #69 - Refinancing is a Cheap Way to Get Cash. Myth #70 - My Escrows Are Already Set Up. Section 7. Short of Cash? Creative Financing Solutions. Myth #71 - I Can't Use a Gift for a Down Payment. Myth #72 - A Bi-Weekly Mortgage Simply Changes My Payment Schedule. Myth #73 - Seller Financing is Risky and Expensive. Myth #74 - Government Loans Are Only for Low-Income Borrowers. Myth #75 - No Bank Will Finance Us. Myth #76 - A "Lease Option" Plan is Always a Bad Idea. Myth #77 - I Can't Make My Payments... So I'll Lose My Home. Appendix. Forms. Required Application Disclosures. Mortgage Application - Form 1003. Sample "Good Faith Estimate". Sample "Truth in Lending" Disclosure. Sample Appraisal. Sample HUD-1 Closing Statement. Homebuyer Checklist. Home Financing Checklist. Refinance Checklist. Personal Qualification Form. Mortgage Payment Calculator. National/State Associations and Regulatory Agencies. Homebuyer Education Classes. Other Website Resources. Terms You Need To Know. Index. |
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