A Home of Your Own with the Best Mortgage for You PDF Download

Author: James M. Dahle
Publisher: White Coat Investor LLC the
ISBN: 9780991433100
Category : Business & Economics
Languages : en
Pages : 160

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Book Description
Written by a practicing emergency physician, The White Coat Investor is a high-yield manual that specifically deals with the financial issues facing medical students, residents, physicians, dentists, and similar high-income professionals. Doctors are highly-educated and extensively trained at making difficult diagnoses and performing life saving procedures. However, they receive little to no training in business, personal finance, investing, insurance, taxes, estate planning, and asset protection. This book fills in the gaps and will teach you to use your high income to escape from your student loans, provide for your family, build wealth, and stop getting ripped off by unscrupulous financial professionals. Straight talk and clear explanations allow the book to be easily digested by a novice to the subject matter yet the book also contains advanced concepts specific to physicians you won't find in other financial books. This book will teach you how to: Graduate from medical school with as little debt as possible Escape from student loans within two to five years of residency graduation Purchase the right types and amounts of insurance Decide when to buy a house and how much to spend on it Learn to invest in a sensible, low-cost and effective manner with or without the assistance of an advisor Avoid investments which are designed to be sold, not bought Select advisors who give great service and advice at a fair price Become a millionaire within five to ten years of residency graduation Use a "Backdoor Roth IRA" and "Stealth IRA" to boost your retirement funds and decrease your taxes Protect your hard-won assets from professional and personal lawsuits Avoid estate taxes, avoid probate, and ensure your children and your money go where you want when you die Minimize your tax burden, keeping more of your hard-earned money Decide between an employee job and an independent contractor job Choose between sole proprietorship, Limited Liability Company, S Corporation, and C Corporation Take a look at the first pages of the book by clicking on the Look Inside feature Praise For The White Coat Investor "Much of my financial planning practice is helping doctors to correct mistakes that reading this book would have avoided in the first place." - Allan S. Roth, MBA, CPA, CFP(R), Author of How a Second Grader Beats Wall Street "Jim Dahle has done a lot of thinking about the peculiar financial problems facing physicians, and you, lucky reader, are about to reap the bounty of both his experience and his research." - William J. Bernstein, MD, Author of The Investor's Manifesto and seven other investing books "This book should be in every career counselor's office and delivered with every medical degree." - Rick Van Ness, Author of Common Sense Investing "The White Coat Investor provides an expert consult for your finances. I now feel confident I can be a millionaire at 40 without feeling like a jerk." - Joe Jones, DO "Jim Dahle has done for physician financial illiteracy what penicillin did for neurosyphilis." - Dennis Bethel, MD "An excellent practical personal finance guide for physicians in training and in practice from a non biased source we can actually trust." - Greg E Wilde, M.D Scroll up, click the buy button, and get started today!

Author: Alan Hughes
Publisher:
ISBN: 9780874917406
Category : Business & Economics
Languages : en
Pages : 244

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Author: M. S. Elysia Stobbe
Publisher:
ISBN: 9780986162008
Category :
Languages : en
Pages : 226

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Did you know that over 50% of mortgages don't close? Do you know how much home you can buy? Do you know how much paperwork in involved? Most people don't know how much home purchasing power they have, how much to expect for closing costs (varies by state), or how much paperwork is involved when applying for a home loan. Most people have no idea the difference between loan programs from bank to bank, lender to lender, or broker to broker- or what the differences are between the main types of residential mortgage providers. Most people have no criteria for choosing a lender, the type of loan to seek, or how much down payment is best for them. For example, are there differences between the types of property that may affect down payment? The mortgage industry is packed with nuance, which can lead to confusion for the consumer. While trying to buy a home, you may have people from many different professions telling you what you should do and how to make decisions-who should you listen to in which situations? Your most personal financial information is critical to the mortgage process and yet do you know who you are sending it to? What about mortgage insurance? Why is it required and when? The two questions I most often hear are: "What's the payment?" and, "What's the interest rate?" While these questions are important, there are several other questions that are just as critical: what is the right loan type for me; is there an up-front funding fee for this loan; what are the differences in available mortgage insurance; how will property type restrictions affect my loan; what are the pros and cons of this loan; what is the down payment requirement with this loan choice over another; what are the closing costs associated with each loan type; and, who is allowed to pay the closing costs? Successfully navigating the maze of questions, regulations, and requirements ultimately leads to a mortgage closing. Through over ten years of experience, thousands of clients, hundreds of Realtor and builder transactions (time line constraint purchases), and, as a licensed loan originator in 9 states and the District of Columbia, I have developed a wealth of knowledge about regulations and requirements. My commitment to client service and caring about their home buying experience has driven my passion for the individual personal experience in the mortgage industry and how the regulations and requirements affect real people in real time. With this book I'm privileged and excited to share my knowledge and experience with you. After reading this book, you will have an understanding of the big corporations that loan money to homebuyers, what other options you have and how to navigate government regulations and requirements to your advantage. I feel that an educated consumer is my best customer and I am happy to share these mortgage tools and tips with you in the hopes that you educate yourself and find the best mortgage and the mortgage professional that is right for you. In addition, I want you to know what to expect, what to ask, and, who to ask to get the answers you want and to understand what those answers really mean. With each chapter I will guide you through the mortgage process, from choosing between different loan types, to understanding the difference between a Good Faith Estimate and an Itemized Fee Worksheet, to the necessity of submitting certain documents in a particular method, and finally how to enter Closing Day stress-free and knowing that you have gotten the mortgage that makes the most financial sense for your future. The goal is to help you get the best mortgage possible for your individual needs and get to closing on time, stress free!

Author: Mark Dennison
Publisher: CreateSpace
ISBN: 9781493618248
Category : Business & Economics
Languages : en
Pages : 60

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Book Description
If you've dreamed of buying your own home, we have some very good news. Despite the housing crisis, and the recession of 2008, it's a very good time to buy your own home with a range of financing options available for nearly any budget. Smart homebuyers are still buying homes and they're doing it with the right information upfront, while still investing in a future that's as solid and time honored as ever. This book is for anyone who wants to know the basics of purchasing a home with their eyes wide open and their bank account intact. In clear, reasonable and detailed explanations you get everything you need to know to buy a home, even with less than perfect credit. But don't start shopping for homes without understanding: • Secrets for shopping for new and previously owned homes• Bank foreclosed opportunities and the first steps for purchasing any home• Loan pre-approval and what it means to you• 30 year and 15 year fixed mortgage loans as well as adjustable rate mortgages • Finding and qualifying for the mortgage that's best for youBuying a house the first time, or after previous financial turmoil, can be intimidating. This is a complete crash-course in home buying for anyone interested in the insider's perspective on the process. With creative ways to finance your loan and a solid understanding of your FICO score, you also get complete information on what you can expect and even how you'll be treated. The purchase of your home is more than just homework. This book is designed to provide everything you need to know to buy your house, secure your financing, close in time and move in, and without glossing over important details. Understanding the buying, selling and financing of residential real estate takes some careful reading, consideration and a little study, but it's not rocket science. You'll get everything you need to know to make your purchase with full confidence whether you're first time buyer, an experienced buyer or simply someone who wants to understand the housing market better. It's all in there. There's nothing quite like the feeling of owning your own home and providing what's best for you and your family. For your financial security, your future and your wellbeing, this book may very well prove invaluable. Even if you've previously owned your own home or you've been foreclosed upon, the opportunities are too big to ignore. It is a very different market, but everything is here for you to take advantage of the collapse in housing prices, the opportunities in foreclosed homes, and to buy a home the smart way. All readers learn to:• Face the approval process with confidence and qualify for the best possible terms• Read and really understanding all of the fine print• Navigate the worlds of insurance and risk management for your investment• Contract and learn from a professional home inspector before making any final decision• Fully understand new and secondary market homes in your area and anywhere you want to live Buying your first home can seem daunting, but going ahead now with your dream to own your own home just takes a careful reading of all the relevant facts and a commitment to your future. Leave rental apartments and homes behind forever and secure your family's future while taking part in the dream that makes such a difference in the lives of so many. Purchasing and owning home has never made more sense than today, and any new homeowner will tell you.

Author:
Publisher:
ISBN:
Category : House buying
Languages : en
Pages : 32

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Author: Michael Lush
Publisher: Createspace Independent Publishing Platform
ISBN: 9781532880445
Category : Finance, Personal
Languages : en
Pages : 0

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Book Description
If you could pay off your mortgage in even a third of the time instead of waiting thirty years to pay it off, wouldn't you want to know how to do that? It's possible with the right home loan. While it may seem unbelievable, it comes down to math and a little education that banks prefer homeowners not know about. Michael Lush has spent fifteen years as a mortgage originator helping consumers get into their dream home. After speaking to a wealthy mentor of his, he then stumbled across how the wealthy finance their homes using lines of credit. Along with his co-author, David Dutton, Lush now teaches future homeowners, present homeowners as well as successful real estate investors how to use a simple home equity line of credit to pay off a home in 5-7 years. In this book you will learn: - The case against a mortgage from a 15 year mortgage veteran. - Why making extra payments on a mortgage vs a HELOC is still slower and also locks your money up until you sell your home. - 2 important reasons why this strategy isn't more well known. - How to pay off a home faster even if you have very little equity. - 5 powerful resources that will help you get started quickly to becoming mortgage free. - Pros and Cons of a HELOC - The deadly mistakes homeowners make when using a HELOC - How to build a real estate empire. - How to buy a vacation home and pay it off quickly (See chapter 9) Before you even think about signing on for a thirty year mortgage, you owe it to yourself to read this book as well as check out their popular Youtube channel.

Author: Eric Tyson
Publisher: John Wiley & Sons
ISBN: 111919170X
Category : Business & Economics
Languages : en
Pages : 432

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Book Description
America's #1 bestselling home buying guide Are you looking to buy a house, but don't quite know where to begin? Have no fear! This new edition of Home Buying Kit For Dummies arms you with Eric Tyson and Ray Brown's time-tested advice and strategies for buying a home in current market conditions. Packed with valuable tips for getting the best deal on your new home and navigating an ever-changing housing market, it shows you how to find the right property, make smart financial decisions, and understand the latest lending requirements and tax implications. Thanks to looser lending standards, lower down payment mortgages, and a wider selection of homes to choose from, first-time homebuyers are making a comeback in the housing market. But if you don't know a Colonial from a counter offer, the process of buying a home can be daunting. Luckily, this bestselling guide is here to take the confusion out of the process! In plain English, it provides step-by-step guidance for buying the home of your dreams, from inspecting a property to evaluating a location to making sense of loan applications, tax documents, and counter offer forms. Negotiate your best deal and obtain a lower down payment mortgage Improve your credit score Make sense of changing lending standards Take the confusion out of lending laws, mortgage rates, and marketplace conditions Whether you're a renter, investor, or current homeowner, everything you need to plant roots in a new home sweet home is just a page away.

Author: Martin M. Shenkman
Publisher: John Wiley & Sons
ISBN: 0471201472
Category : Business & Economics
Languages : en
Pages : 305

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Book Description
The Ultimate guide to finding and financing a home Almost everyone aspires to owning a home, but the reality of coming up with a large enough down payment often stands in the way of making that dream come true. No longer! How to Buy a House with No (or Little) Money Down has helped tens of thousands become homeowners, and now it's your turn! Financing your dream home can be possible even if you never thought you could. This completely updated and expanded Third Edition shows you how. Even if you are relatively cash-poor or have a less-than-perfect credit rating, real estate and financial experts Martin M. Shenkman, CPA, MBA, JD, and Warren Boroson can help you obtain a mortgage and find the house you've always wanted--with expert guidance through all the confusing legal and tax issues involved. Featuring new sections on choosing an agent, using the Internet to search for an agent and a house, and how to win the bidding war, this clear, nontechnical guide tells you how to: * Make seller financing the ticket to your dream home * Take advantage of equity sharing, equity kicker mortgages, and other esoteric techniques * Use lease options to build equity while renting * Apply for and obtain fha, va, family, and other loans you may qualify for * Inspect a house from top to bottom, inside and out * Bargain with a seller and save a bundle * And much, much more You can obtain a down payment and get the most house for your buck--simply read How to Buy a House with No (or Little) Money Down and start making your dream a reality!

Author: Al and Victoria Pinder
Publisher: Love in a Book
ISBN:
Category : Business & Economics
Languages : en
Pages : 93

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Book Description
Are you ready to take the next step towards your dream of owning a home? In "Unlocking the Door to Home Ownership," you'll discover the tools and strategies you need to make your dream a reality. From finding the right mortgage to navigating the complex process of buying a home, this book is your guide to success. But this isn't just a guide to homeownership - it's a roadmap to your future. When you unlock the door to your own home, you unlock a whole new world of possibilities. You create a space for yourself and your family to grow, to thrive, to make memories. You take control of your financial future and build equity in a valuable asset. You become part of a community and a larger vision of what's possible in your life. So let this book be your key to unlocking the door to a brighter future. Let it inspire you to dream big and take action towards the life you've always wanted. With "Unlocking the Door to Home Ownership," you have everything you need to make your dreams a reality.

Author: Robert Bernabe
Publisher: Thomas Nelson
ISBN: 0529124335
Category : Business & Economics
Languages : en
Pages : 250

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Book Description
LEARN TO SHOP FOR AND MANAGE YOUR MORTGAGE UNTIL YOU HAVE ELIMINATED IT—ONCE AND FOR ALL! Mind Your Own Mortgage empowers homeowners to shop for a mortgage as if it were a commodity—as easy as buying a gallon of gas—and enables them to eliminate their mortgage debt by revealing inside information used to keep them enslaved to the mortgage industry. Mind Your Own Mortgage changes the game—putting you in charge: Shop with confidence—an exclusive system helps you make decisions based on the best price Identify slick sales gimmicks and lender manipulation Refinance only when it makes sense for you—not for the mortgage company Eliminate your mortgage in record time—so your retirement years include retirement A SOUND MORTGAGE = A SOUND ECONOMY Stocked with compelling real-life scenarios, budgeting tips, and handy financial tools, Mind Your Own Mortgage is a timely wake-up call for homeowners and a candid decree that the American dream is still possible—if we dramatically rethink the way we finance our homes. IT’S TIME TO MIND YOUR OWN MORTGAGE. “Whether you’re getting a new mortgage, refinancing an old one, or dealing with the mortgage you have already, you won’t find a better mortgage coach than my friend, Rob Bernabé.” —Mary Hunt, personal finance expert, best-selling author, and CEO of Debt-Proof Living “Finally, consumers have what they need to hold any mortgage provider accountable.” ?R. Jarret Lilien, founder and managing partner of Bendigo Partners and former president and COO of E*Trade Financial