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• Analyzing Your Savings - the First Step
• Mortgage Program Choices
• Shopping for Interest Rates
• Writing Your Offer
• Conclusion - Look at Your Savings First

• You can't just "come up" with the money
• Checking, Savings, & Money Market Accounts
• Stocks, Bonds, Mutual Funds, etc.
• Gifts from Family Member
• 401K or Retirement Accounts
• Help from Employers
• Savings Bonds
• Personal Property - Cars, Antiques, etc.
• Selling Personal Property

• Introduction
• The Basics
• How it Actually Works
• Potential Problems
• The Cost of the Bi-Weekly Mortgage
• Savings of the Bi-Weekly Mortgage
• No-Cost Alternatives
• Automatic Self-Discipline
• Conclusion

• Introduction
• Lender Associated Costs - the "normal" ones
• Lender Associated Costs - the "other" ones
• Escrow, Title, and Other Costs
• Items Paid in Advance
• Impounds and Funds Deposited with the Lender
• Refinancing Associated Costs
• Asking the Seller to Pay Closing Costs - Advice and Rules

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• "Alternate" Documention versus Full Traditional Documentation
• The Actual List of things you need to get a quick loan approval

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• Mortgage Bankers
• Portfolio Lenders
• Direct Lenders
• Correspondents
• Mortgage Brokers
• Wholesale Lenders
• Banks
• Savings & Loans
• Credit Unions

• Introduction
• When Realtors or Builders Recommend a Lender
• Wholesale Lenders
• Mortgage Bankers
• Mortgage Brokers
• Portfolio Lenders
• Banks and Savings & Loans
• Conclusion

• Understand How Mortgages are Priced
• Understand How Mortgage Companies Earn Income on New Loans
• Mathematically, How Zero Cost Loans Make No Sense
• Two Exceptions to the Rule.

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