借款者必知 的106个抵押诀窍106 Mortgage Secrets All Borrowers Must Learn - But Lenders Don't Tell, 2nd Edition 下载 pdf 电子版 epub 免费 txt 2025

Would you like to discover all of the many ways that you can finance real estate? Want to learn how to cut your financing costs, avoid pitfalls, and negotiate the best terms? Then let Gary Eldred's 106 Mortgage Secrets All Borrowers Must Learn—But Lenders Don't Tell, Second Edition guide you. Fully updated, this practical guide explains how today's changing mortgage market really works. Unlike other mortgage guides, this book goes beyond traditional bank-originated loans and shows you how to benefit with seller financing, assumables, subject-to, wraparounds, lease options, foreclosures, and other money-saving possibilities.

106 Mortgage Secrets also protects you from the sharp practices of loan reps that have recently sparked Congressional hearings and multiple state investigations. In addition, Eldred shows how and why the right financing decisions can add tens (and sometimes hundreds) of thousands of dollars to your long-term net worth. With these 106 secrets, you'll build the confidence and the knowledge to:

Increase your borrowing power

Obtain the lowest interest rate

Understand the true pros and cons of ARMs

Cut (or eliminate) the cost of mortgage insurance

Save big with seller financing, assumptions, foreclosures, and REOs

Strengthen your credit profile and credit score

Avoid getting taken... by the fine print and garbage fees

Steer clear of scams and unprincipled loan reps and lenders

Accumulate wealth through homeownership and investment properties

Simple, concise, and comprehensive, this book reveals everything property buyers need to know—especially the 106 financing secrets lenders too often omit.

Preface to the Second Edition

Introduction: Use OPM to Achieve All That

You Really Want

1 Affordability Depends on You--Not a Lender

SECRET #1Affordability depends on you.

SECRET #2How you choose your property and arrange

financing can add (or subtract) tens (or even

hundreds) of thousands of dollars to (from) your

net worth.

SECRET #3Separate the emotional from the financial.

SECRET #4 Align self-talk with your priorities.

SECRET #5Envision the propert(ies) you would like to

own 5, 1 O, or 15 years from now.

2 Increase Your Borrowing Power

SECRET #610,000 lenders set their own standards.

SECRET #7"You can make your qualifying ratios look better.

SECRET #8Lift your qualifying income.

SECRET #9Reduce your debt.

SECRET #10Use compensating factors to justify higher

qualifying ratios.

SECRET #1 1Never fib to a lender.

SECRET #12Can't qualify? Enlist a cosigner, co-borrower,

or co-owner.

SECRET #| 3Let tenants pay your mortgage.

SECRET #14Don't change your loan status.

Slash Your Cost of Interest

SECRET #15Many borrowers who want a fixed-rate loan

should choose 15 years, not 30 or 40.

SECRET #16Lower interest rates mean big savings.

SECRET #| 7'Lower rates magnify borrowing power.

SECRET #| 8ARMs sometimes offer greater borrowing power,

lower costs, with risk you can manage.

SECRET #19State and local housing finance agencies

offer lower-interest mortgage loans.

SECRET #20Assume a low-interest-rate mortgage.

SECRET #21"Assume" a nonassumable mortgage.

SECRET #22Save $1,000s with a Mortgage Credit

Certificate (MCC).

SECRET #23Seek employer assistance, or seek an employer

who gives assistance.

SECRET #24Obtain a lower interest rate; pay points.

SECRET #25Negotiate a buydown with the sellers.

SECRET #26New homebuilders offer mortgage incentives.

SECRET #27'How to borrow jumbo amounts without paying

jumbo rates.

SECRET #28Your after-tax cost of borrowing may not be as

low as you've been told.

4 The Risks and Rewards of ARMs

SECRET #29 ARMs do not necessarily present more risk than fixed-rate loans.

……

5 Perfect Your Credit Profile

6 The Lowdown on Low Downs

7 Win Big Saving s with Seller Financing Foreclosures or REOS

8 Beware of Those Fine Print Gotckas

9 Achieve the Lowest Lnterest Rate Availabl

10 Managee Your Property and Financing for Maximun Return

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作者简介：Gary W. Eldred, PhD, has invested successfully in real estate for more than twenty years and has served on the graduate business faculty at Stanford University and the University of Virginia. He has authored many other real estate titles, including Make Money with Affordable Apartment Buildings and Commercial Properties, Second Edition; Trump University Real Estate 101; and Investing in Real Estate, Fifth Edition, all from Wiley.

书籍介绍

在线阅读本书

The only guidebook that shows you how to finance any property--with or without bank approval Would you like to discover all of the many ways that you can finance real estate? Want to learn how to cut your financing costs, avoid pitfalls, and negotiate the best terms? Then let Gary Eldred's 106 Mortgage Secrets All Borrowers Must Learn--But Lenders Don't Tell, Second Edition guide you. Fully updated, this practical guide explains how today's changing mortgage market really works. Unlike other mortgage guides, this book goes beyond traditional bank-originated loans and shows you how to benefit with seller financing, assumables, subject-to, wraparounds, lease options, foreclosures, and other money-saving possibilities. 106 Mortgage Secrets also protects you from the sharp practices of loan reps that have recently sparked Congressional hearings and multiple state investigations. In addition, Eldred shows how and why the right financing decisions can add tens (and sometimes hundreds) of thousands of dollars to your long-term net worth. With these 106 secrets, you'll build the confidence and the knowledge to:

* Increase your borrowing power

* Obtain the lowest interest rate

* Understand the true pros and cons of ARMs

* Cut (or eliminate) the cost of mortgage insurance

* Save big with seller financing, assumptions, foreclosures, and REOs

* Strengthen your credit profile and credit score

* Avoid getting taken... by the fine print and garbage fees

* Steer clear of scams and unprincipled loan reps and lenders

* Accumulate wealth through homeownership and investment properties

Simple, concise, and comprehensive, this book reveals everything property buyers need to know--especially the 106 financing secrets lenders too often omit.

• 作者：孟克柔 发布时间：2020-04-21 19:02:45

  充满异域风情的土耳其，细密画、咖啡馆、帕夏、苏丹、香料、法兰克画。

  流畅的第一人称视角讲述了一个谋杀的故事。更是一段伊斯坦布尔的历史文化故事。

  很多描述让人拍案叫绝，一棵树的自白，作为一种颜料的红色的自白，死亡的自白。作者对性爱的描写也好看，又刺激又低俗。最后从橄榄的角度感受的死亡也迷人。

  五分。（微信读书，326706字）

• 作者：关你咩事 发布时间：2020-03-18 18:18:27

  论文引用九华山寺庙一楹联，肉身宝殿南门有一横匾，黎元洪所书地藏菩萨大愿：“众生度尽，方证菩提。地狱未空，誓不成佛。”意外发现上彬彬课时他总是叨叨的“非名山不留仙住，是真佛只说家常。”来自化城寺。当然了我去九华时是一脸懵，字都认不全。

• 作者：S6I5N65 发布时间：2023-07-12 08:07:03

  稍微有点人性的教材

• 作者：把噗 发布时间：2018-10-21 16:09:38

  原来读过法语原版。

• 作者：会飞的薯片nice 发布时间：2015-06-07 22:04:52

  没什么意思 读不懂啊

• 作者：芷·Hikari 发布时间：2016-04-24 15:02:26

  感觉太简单了，学校里都学过了。

• 品牌的背后――《NO LOGO》读后感

  作者：思考的猫 发布时间：2009-09-03 17:12:07

        对于胸怀理想主义的社会活动积极分子，我们常常怀着矛盾的心情，比如说，一帮学生深入广东某镇一知名跨国企业外包工厂，揭露其克扣工资、体罚、工作环境不达标、超时工作等行为，表述的血泪斑斑，激起社会对血汗工厂的猛烈控诉。这个时候，我们可能对他们心怀敬意，工人们也为有人为他们说话感到出了口恶气。但是，接着，可能企业干脆关闭工厂，另寻他处，当地政府对这帮找事儿的小兔崽子恨之入骨，舆论开始分析孩子们如何的不理性，失业的工人开始对多管闲事儿的矫情大学生们怨恨不已，而更多的我们，更关心的是能买到便宜的消费品，要是这些工厂真被社会活动家们搞得大幅度提高工人待遇，看着超市价格标签上开始上升的数字，我们多半也会怨念道，“操蛋的社会活动家们，你妈喊你回家吃饭！”。

      最近看了《NO LOGO――颠覆品牌全球统治》，作者娜奥米．克莱恩即是一位知名的公共知识分子和社会活动家，在本书中，她先是向人们表现着跨国企业以品牌为核心的营销手段，同时揭示背后的见不得人的勾当。接着，她又展示着一些渐渐从大品牌耀眼的LOGO中觉悟的人们，他们开始了一系列反抗，表象的就是对LOGO的排斥，他们要夺回被LOGO占领的街道，他们要揭示LOGO后面的肮脏，他们要抵制LOGO下可能带着血泪的商品。这类书籍势必是会引起争议的，尤其在中国更是如此，效率与公平之类的争论从改革开放起延续到现在，如今也还没有个结论。一边是对资金和投资的渴望，一边又是对资金和投资的道德审视。

      其实，无论你对娜奥米的观点是赞成和反对，都可以看看本书，如果反对，那么你可以反向看这本书，比如娜奥米揭示的跨国企业背后的手段，品牌化的路径等，本意是想为后面的批判做个说明和铺垫，既然你反对她的观点，你就照着这些去研究、参考，应用到相应的品牌化营造中，至于后面的批判，你就当看迂腐书生的笑话吧，冷笑几声，“嘿嘿，我就是找前面的做了赚钱，气死你丫的！”。如果你赞成本娜奥米的观点，本书无疑读着会很过瘾，特别后面看到了年轻人对跨国品牌的反击，特别看到了他们的几次胜利，你无疑会感到欢欣鼓舞。

      一本书无法回答所有问题，本书同样如此，在如对品牌运作的本质分析、品牌和公共空间的关系上，我觉得娜奥米的分析很精妙，对我价值很大。但是在老生常谈的企业道德、血汗工厂问题上，娜奥米尽管也在第三世界进行了实地采访，但是从她的书中，我感觉她的角度还是更偏重于“反对”，在建设性上没有太多展示，同时有些过于“重商”，将大量问题都附着于企业身上。比如，她多次以缅甸举例，告诉我们有很多跨国公司支持当地专制政权，激起如何的西方人的反对和示威，接着又真的让不少跨国公司放弃了对缅甸的投资，但是她没有接着说明，结果呢？反对了，胜利了，就结束了吗？或者这是谁的胜利？是西方道德感的胜利？是缅甸人民的胜利？没有了那些投资，他们过的难道就更好了吗？跨国公司的投资与一个专制政权的统治力究竟有怎样的联系？在这本书中，娜奥米在揭示问题时，会深入到全球各个层面，但是在表现措施和手段上，却常常有止步于对跨国企业反抗的一面，没有接着深入解析下去，多少感觉有些前后失衡。娜奥米的观点无疑会让一些自由经济主义者不认同，我忘记了是美国那位专栏作家说过类似的话，“在柬埔寨，一个女孩如果不进血汗工厂，那么就多半会进妓院”，这可能有些极端，确是第三世界的现实，也是很多热心在第三世界进行社会活动的积极分子们的困境。

      在我看来，《NO LOGO》是一本促人思考的书，特别其对LOGO与公共空间的关系的思辨上，很值得我们反思。尽管在今天，中国无论企业还是消费者都处于对品牌疯拥的阶段，尽管很多时候大家还是更关心有份满足心理预期收入的工作，尽管很多时候大家更关心超市商品的价格甚于它背后的故事，但是，类似娜奥米这样的公共知识分子的声音值得我们倾听，而如SACOM这样的民间组织的努力也值得我们尊重和正视，毕竟，他们多少是一种牵制的力量，就如本文最开始的场景，那是各方利益的交织和博弈，有了这样一群人，至少能保证天平长期看不会过分的倒向某方。

  http://hi.baidu.com/doglovecat/blog/item/b6cbb97e9d8789310cd7da8d.html

• 爱的另一种诠释

  作者：Agnes玄胤帝 发布时间：2010-04-23 00:43:38

  我知道在多数人眼中，（交）才是席大穿越系列的巅峰之作。我不否认席大的首次尝试就是如此的开天辟地，但是我更欣赏的是（交）的姐妹篇，（戏）。

  的确，在这部小说中，很难说有太过鹤立鸡群的角色形象，即使是假凤虚凰的梁玉石、亦或是用儒雅掩饰精明的石无痕都再一次被苏幻儿夺去了光环，但我还是喜欢这一对。倒不是有多么得欣赏梁玉石的独立与坚毅（事实上，我甚至有些怨恨她的小别扭与小固执），而是欣赏石无痕对玉石的包容与尊重。苏幻儿与石无忌的爱情固然令人艳羡，不过正因为它的太过美好，而难以企及。

  一直记得石无痕对梁玉石说过的话，“我要的，是一个能与我驰骋在大草原上，迎风互逐的伴侣；能与我一同舞剑、一同狩猎、一同遨游四方的制人；能令我想倾注全部心意去对待、去相守的女人；她健健康康的，只为我一人而美丽…玉石，你会吗？玉石，为我而笑、为我而展现柔媚，与我共度一生…”

  向往这样的爱情，这样的爱情观，期待能有这样一个人珍视自己，尊重自己。

  不期待你也喜欢这部小说，但，如果你也如我一样，欣赏这个男人，欣赏这段话，就请细细体会，细细理解吧