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Guiding Borrowers to the right decisions
Protecting borrowers from mortgage predators
Who Are You?
First-Time Home Buyer
Elderly Home Owner
Borrower With Payment Problems
Borrower Seeking Loan Modification
Borrower Selecting Loan Type
Borrower Refinancing to Lower Cost
Mistakes to Avoid
Buying a House
Building a House
Shopping for a Mortgage
Qualifying for a Mortgage
Selecting the Mortgage
Locking the Price
Taking a Second Mortgage
Managing the Mortgage
Questions by Topic
Adjustable Rate Mortgages
Building a House
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Financing House Purchase or Construction
Refinancing a Mortgage
Obtaining a Reverse Mortgage
What Makes a Certified Network Lender?
How to Qualify For a Mortgage
How to Shop For a Mortgage
How to Lock the Price of a Mortgage
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Choosing Between ARMs and FRMs
Selecting Among Different FRMs
Selecting Among Different ARMs
Selecting a Rate/Point Combination
How Large a Down Payment to Make
Whether to Waive Escrow
Whether to Accept a Prepayment Penalty
Locking the Loan
Interest Only Mortgage
List of Calculators
Questions About Upfront Mortgage Brokers
List of UMBs Alphabetically
List of UMBs by State
What Is the Difference Between Dealing With an Upfront Mortgage Broker and Dealing With Another Loan Provider?
What Is an Upfront Mortgage Broker?
How Do I Find an Ethical Mortgage Broker?
What Exactly Is the Commitment Made by an Upfront Mortgage Broker?
Why Select an Upfront Mortgage Broker?
Is a Broker Who Posts a Price of One Point to the Borrower and One Point From the Lender Being Upfront?
How Should a Borrower Deal With a UMB?
Why Is it Reasonable For an Upfront Mortgage Broker to Ask a Customer For an Exclusive?
Who Are the UMBs? How Do I Get In Touch With Them? Why Is it a Waste of Time to Ask Them to Quote Rates and Points?
Who Are the Brokers to Avoid?
Are Discount Brokers Upfront?
Why Do UMBs Guarantee Lender Fees?
Has the New Good Faith Estimate Converted All Mortgage Brokers Into UMBs?
FOR MORTGAGE BROKERS
How Do I Become a UMB?
Why Must UMBs Have a Web Site? How Does Being a UMB Help Attract Clients? Are UMBs Barred From Accepting Yield Spread Premiums?
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