If you are upside down on your mortgage, you might have considered the option of refinancing. After all, the interest rates are so low right now so if you refinance, you are likely to be able to lower your house payments. Lots of people like the idea of paying less each month but they do not totally understand the pros and cons of refinancing. Before you sign anything, you need to understand what it means to refinance and what you need to do. Even though rates are low, you might not be able to refinance. This book will give you an understanding of refinancing. It is called "So You Want to Refinance: An Insiders Guide to Refinancing Adjustable Rate Mortgages and Home Loans"

Are 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

From the Publisher

"A must-have for any home owner looking to refinance" -Terri Williams, Homeowner