Your New House: The Alert Consumer's Guide to Buying and Building a Quality Home This year 1.2 million consumers will buy a new home, and they need real help in navigating the new-home minefield. The latest edition of Your New House includes charts, tables, black-and-white illustrations throughout, as well as updated prices and new trends in home buying. Also added is information on the dot-com shakeout, including what it means for online mortgages and home listings; more Web addresses for all major product manufacturers; and the best websites for deals on products like carpet and lighting.   Mortgages Made Easy With the vast selection of mortgages and mortgage options available today, it is easy to get confused over which one is best suited to the needs and requirements of the borrower. And where does one begin to look for the right lender given the amount of advertising generated by the major banks? What questions can a borrower ask to help determine who the right lender is and what factors are most important to their needs? This book will answer those questions. It is designed not only to offer comprehensive information, but also to save the borrower money by helping the borrower understand how to cut the costs of home ownership. Among the highlights: Types and sources of mortgages Key factors to consider when selecting a mortgage How to negotiate a mortgage and look for key areas that can save the borrower money What are the key legal considerations Creative financing techniques Borrowing for investment purposes/investing in mortgages RRSPs and mortgages For present home owners, strategies on renewing, refinancing or prepaying a mortgage Other key areas: selecting a real estate team, government-assisted programs (e.g., CMHC), financing options for seniors, investing in mortgages, informational web sites. Features: forms, charts, glossary, checklists, amortization tables, sources of more information and an index.   Mortgages 101: Quick Answers to Over 250 Critical Questions About Your Home Loan 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.   Mortgage Ripoffs and Money Savers: An Industry Insider Explains How to Save Thousands on Your Mortgage Mortgage Rip-offs and Money Savers reveals how the mortgage industry cheats borrowers out of billions in extra costs every year. Mortgage industry insider Carolyn Warren taps her decade of experience with lenders to expose the tricks, lies, and dirty little secrets they don't want you to know. With her expert guidance, borrowers will save tens of thousands when they avoid the traps so many consumers fall into. Having this inside information is the only way borrowers can truly get the best possible deal. This book presents that knowledge in an interesting and easy format that anyone can understand. Readers won't be victims of the mortgage industry with this invaluable resource in hand. Instead, they'll get the best possible rates, avoid bogus fees, and get the great deal they deserve.

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