Mortgage and Credit Repair

Guide to Mortgage Smarts
Learn Secrets of the Mortgage Gurus Credit repair and low mortgage rates

This guide is jam-packed with money-saving tactics, jargons and definitions, tips on how to repair your credit, and many more techniques necessary for obtaining a low interest rate mortgage. The credit repair and negotiation techniques alone will make it worth your while, but please read this web page for an indepth look at exactly what we have to offer. Minor tips are spread all throughout this site –

Real Estate Agents and Professional Loan Officers
should also check out our QuickView Mortgage Software ,
rated Five Stars by Ziff-Davis Publishing.

The Guide to Mortgage Smarts and Credit Repair teaches everything you need to know...

	Cost negotiation techniques that lenders can't argue with. Costs are NOT fixed, and this guide shows proven methods that are very effective. You don't have to just settle for "the standard fees." Remember, this book was written by mortgage professionals ... our methods work! A powerful up-front negotiation can save you money every year for the remainder of your mortgage!
	Where to (really) find the lowest interest rates. Even 1% below the going rate can save you hundreds if not thousands of dollars every year in interest ($80,000 loan @ 7% vs. 8% = $800 savings per year)!
	Methods to repair bad credit and remove late marks. Do it yourself without expensive lawyers or agencies! Be aware that some of those "Credit Repair Agencies" have been known to commit fraud in an attempt to remove negative information from a client's credit report, but we show you ways to clean up your credit report legally according to the Federal Fair Credit Reporting Act. You may even qualify to obtain a free copy of your credit report, again... all legal according to the Federal Fair Credit Reporting Act. Many consumers just don't understand their rights.
	Traps your lender may not point out. Not all lenders are bad, but it helps to keep in mind that most loan officers get paid on commission, and a few of them might not always have the best interests of the borrower at heart. It's smart to know the pitfalls you have to watch out for, and to understand how certain mortgage programs can affect you negatively.
	Techniques to pay off your loan early (save tens of thousands). Includes tax considerations, payment charts, and much more. Many examples...here's an easy one. Note: sometimes it's better to invest your extra money into mutual (or retirement) funds rather than paying off your mortgage early because a mutual fund account can often times provide a higher rate of return than the money you would save by paying off your loan early (these concepts are discussed further in the Guide).
	Short on cash? Reduce closing costs to zero. These types of loans have become more available in recent years. We show you how lenders are able to do these "zero cost" loans, and look at the positive and negative aspects.
	How to obtain a mortgage with hard-to-prove income or bad credit. Our mortgage and credit gurus show you what types of loans are available for hard-to-qualify borrowers (such as many self-employed individuals), or people with a poor credit history.
	In-depth understanding of the entire mortgage process. Know which questions to ask in order to avoid certain situations and save money. A mortgage is one of the most important investments of your life, and this book (available for software download) examines all the critical areas.

The Guide to Mortgage Smarts and Credit Repair is an Electronic Download which can be immediately obtained from this site.

A few excerpts from The Guide to Mortgage Smarts and Credit Repair:

How to save money when locking in your loan.
Proper timing of your closing date can save you money.
What is a premium or what is PITI (see our WebCalc)?

Available for immediate download, this book answers hundreds of additional questions, such as:

What are the several different ways to qualify for a free copy of your credit report from the three main credit reporting agencies: Equifax, Experian, and Trans Union?

	Under what circumstances should you consider refinancing your mortgage?
	Why speak with a Lender before you make an offer to the Seller? Because mortgage prequalification can be used as a bargaining tool when negotiating the sales price on your new home, especially if they need to sell the home fast....
	Are there any drawbacks to having a co-borrower?
	Learn more about tax deductible Home Equity Loans to pay off credit cards, auto debt, etc. Some companies send bulk mailings to entice homeowners to use their company, sometimes using deceptive terms like "property pre-approved"—which doesn't necessarily mean anything (if you happen to own a house then of course the "property" is pre-approved, which simply means the house is eligible to have a loan taken out on it). Just because one potential lender sent you a flyer in the mail doesn't mean there aren't better lenders offering the same service. Home Equity Loans can be a very good idea under the right circumstances. The Guide shows ways to find which lenders are more suited to your specific needs and price range. A different lender might be offering a similar or better loan package in your area, and this can end up saving you money.
	What if you only plan to own your home for a few years? You might want to look into obtaining a 6-month, non-convertible ARM. But what if your lender doesn't have (or even suggest) that program? There are many other situations in which specific mortgage programs can save you money—programs some lenders may not have available.
	What exactly is APR from the TIL (Truth-in-Lending Statement)? Your lender says "it's what your interest rate would be if you included all the costs." But what does that mean? We have heard other professionals define it as "what your actual rate would be after accounting for the fact that your money is no longer in the bank earning interest." But that's not quite right. The mortgage industry is a growing business, and we receive questions from many loan officers who cannot explain certain terms because they do not fully understand the definitions themselves. In fact, many of our customers are new Loan Officers or Real Estate Agents looking to increase their knowledge about the mortgage industry in order to provide better services to their clients.
	Understand tax law and deductions after the loan closes. Deductions are great, but they certainly don't compensate for the money you lose by paying mortgage interest each year. Of course, you have to compare the rate of return on other investments such as mutual funds or savings accounts. The Guide delves into that and provides many examples to help you save money every step of the way.

We teach you all the jargon and definitions necessary to comprehend this book's additional money-saving tactics. Learn to speak the language of the Loan Officer and discover techniques for improving your credit or mortgage situation. Written by mortgage professionals (along with extensive footnotes, charts and graphics), everything you need to know about mortgage secrets and obtaining the lowest rates and prices is in this book!

You'll also receive professional Loan Calculator Software for Windows^®
In addition to solving for multiple variables to determine loan amount, term, interest rate and monthly payment, users can print an Amortization Schedule to track principal and interest paid each month or year. Plus account for additional monthly payments to determine how early your loan will be paid off.

The Guide to Mortgage Smarts and Credit Repair is available as an Electronic Download from our website. If you decide to order this product, you will be given instructions on how to download the book. This is an "interactive software book" which takes full advantgage of navigation menus, jump-to links, pop-up footnote boxes, key-word indexes and text search database features. You also get the Loan Calculator Software.

We apologize, the Guide to Mortgage Smarts and Credit Repair is unavailable for download during the next several weeks.