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

If you have an upside down mortgage and your lender is proposing that perhaps a load modification may be a solution for your situation, you should do some of your own research before you sign anything to modify your existing loan. Loan modification is not for everyone but there is a large number of homeowners who have benefited from doing loan modification.

To find out if home loan modification is right for you, you can read this book called Loan Modification for Dummies. It is simple to read and easy to understand. The crucial information you need to secure a reliable loan modification and save your home is presented in nice format.

Why considering loan modification?

Behind on your mortgage payments? Worried about losing your home? Don't panic. Loan Modification For Dummies gives you the reliable, authoritative, easy-to-understand guidance you need to apply for and secure a loan modification that lowers your monthly house payment and keeps you in your home.

This practical, plain-English guide leads you step by step through the loan modification process, from contacting your lender to applying for a loan modification, evaluating the lender's initial offer, and negotiating a modification that lowers your monthly payment while helping you catch up on any past-due amounts. You'll learn how to communicate with your bank or loan servicer, recognize and avoid loan-modification scams, and find a knowledgeable loan modification specialist, if you choose not to do it yourself.

• Advice on determining whether you're likely to qualify for your lender's loan modification program
• Guidance on preparing and submitting a loan modification application that improves your chances of success
• Helps you figure out a monthly payment you really can afford
• Tips on modifying your loan even when you owe more than your home's current market value
• Negotiation advice for securing the best possible terms and lowest monthly payment
• Resources for contacting your lender, obtaining free or affordable third-party assistance, and getting government agencies on your side

Read Loan Modification For Dummies and start saving your home today.