Useful links and resources Real Estate Agents Mortgage Resources Related Vendors Internet Directories 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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