Useful links and resources
Downloads

These PDF files are provided for your convenience. The Podcast section contains the text versions of the podcasts available on iTunes. The Applications section includes forms we use in the origination of mortgage loans. More files will be posted here over time. All downloads are free.

Podcasts on iTunes

Introduction
Describes the Series.

Chapter 1
The Source of Mortgage Money.

Chapter 2
The Hierarchy of Lenders.

Chapter 3
The 3 Pillars of Underwriting.

Chapter 4
Different Loan Programs.

Chapter 5
Points & Closing Cost Scenarios.

Chapter 6
Credit and Credit Scoring.

Chapter 7
Prepayment Penalties & Indexes.

Chapter 8
Signing the Loan Documents.

Chapter 9
Financing Strategies for Investors

Chapter 10
The Future of Interest Rates.

Chapter 11
The Future of Stock Valuations.

Chapter 12
Globalization & Currency Values.

Chapter 13
Oil & the Availability of Energy.

Chapter 14
Technology & the Future.

Chapter 15
Democracy & Capitalism.

Conclusion
Closing Words.

Application Tools

October RateWatch
Provides current rates, the 12-month trends and a short commentary by Patrick Schwerdtfeger.

Refinance Application
Use this simplified 1-page application to get a formal quote on a refinance transaction you may be considering.

Purchase Application
Use this simplified 1-page application to get a formal quote on a purchase transaction you may be considering.

Documentation
This file details the documentation we'll need to process a loan on your behalf.

Gift Funds
This file contains a "Gift Letter" as well as instructions for gift funds.

Homeowners Insurance
This file provides instructions for your homeowners insurance, required on all properties.

Lease Agreement
This file contains a Lease Agreement, required when a rental property is involved.

Other Resources

30GB iPod Winner
Congratulations to Nancy Wade who won the 30GB iPod at the Walnut Creek Art & Wine Festival.

Loans & Lenders
I published this handbook in 2004 as a mortgage guide for homeowners.

Strategies for Seller Financing
I published this handbook in 2002 as a guide for people holding seller-financing notes.

The MEICAP Model
My proprietary model that predicts P/E ratios and interest rates into the future.

Fannie Mae Housing Survey
2003 National Housing Survey conducted by Penn, Shoen & Berland Associates.

30-yr. Fixed I/O
An introduction to the new 30-year fixed mortgage with an initial 10-year interest only option.

CalHFA - Program Description
Describes programs available for first-time homebuyers in California.

CalHFA - Top Ten Tips
Provides tips for first-time homebuyers.

Deliberage Curiosity
This is a short speech I wrote in January 2007 as my birthday approached. Please feel free to share it with others if you like.

Fannie Mae Mortgage Mysteries
"Taking the mystery out of your mortgage."

Fannie Mae Refinance Guide
Is it time to refinance? Fannie Mae published this document as a resource for those considering a refinance of their home mortgage.

HUD - Buying Your Home
The US Department of Housing and Urban Development Homebuying Handbook.

IRS - Selling Your Home
IRS Publication 523 - Selling Your Home.

IRS - Residential Rental Property
IRS Publication 527 - Residential Rental Property.

IRS - First-Time Homeowners
IRS Publication 530 - First-Time Homeowners.

IRS - Mortgage Interest Deduction
IRS Publication 936 - Mortgage Interest Deduction.

IRS - How to Depreciate Property
IRS Publication 946 - How to Depreciate Property.

MGIC - Underwriting Guidelines
Mortgage Guaranty Insurance Corporation - Underwriting Guidelines Reference.

MortgageDaily.com Article
MortgageDaily.com recently published this unsolicited article about my podcast information series.


Educational site about mortgages, real estate, home loans, purchase and refinance transactions. Is anyone telling the TRUTH in the mortgage business?? PAtrick Swerdtfeger is your host for FREE seminars on the mortgage industry. Need the refinance?

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