Chapter 1. What Is a Refinance?
Refinancing Your Home Loan
Types of Refinance Mortgages
Chapter 2. Why Refinance?
When to Refinance into a Different Rate
Adjusting the Term to Fit Your Payment
The Refinance Process in Review
Refinance Loans and Escrow/Impound Accounts
Chapter 3. Finding the Best Lender
Mortgages: A Commodities Market
Who's Who in the Mortgage Process
Banker, Broker, or Correspondent?
Where Not to Look for a Mortgage Lender
Chapter 4. Finding the Best Loan Officer
What Exactly Is a Loan Officer, Anyway?
Seven Questions to Ask Your Loan Officer
Loan Officer Compensation
Qualities of a Good Loan Officer
Chapter 5. Finding the Best Interest Rate
Small Changes, Big Changes
Why Inflation Kills Economies
Mortgage Rates and Economic Factors
Chapter 6. How to Save on Closing Costs
Negotiating Closing Costs
Origination Charges and Discount Points
The No-Closing-Cost Refinance
Chapter 7. Predatory Lending, Loan Fraud, and Bad Guys
What Is a Predatory Lender?
Appendix. Monthly Payment Tables
