"A must-have for any home owner looking to refinance" -Terri Williams, HomeownerAre you paying more than you need to? In this book a mortgage lending insider reveals her answer to this question - and more - in her best selling So You Want to Refinance. If you are baffled by the dizzying array of mortgage companies, sales pitches, and loan products, this book is for you. The book walks you through each step of the loan process in easy-to-understand language to help you make an informed decision that's good for YOU - not for your loan officer. The book explains how to asses and rebuild your credit score, accurately calculate the equity in your home, and how to make sure that you present your situation in the best possible light. More than just an introduction to getting a home loan - this book will show you how to get the best deal possible. This book is a must-have for any current or potential homeowner thinking of refinancing. Key topics include:-Refinancing Adjustable Rate Mortgages (ARMS)-Understanding Broker Incentives-Getting the Best Appraisal-Processing and Underwriting-Cleaning up your Credit Report-Signing Tips, Tricks, and Negotiation Strategies