Talking Points.

Many of the topics that are in the Talking Points section are edited versions of what first appeared in the newsletter. In depth topics are evident by their titles being in ALL CAPS. I’ve also included Frequently Asked Questions (FAQs) in the Talking Points section. These subjects tend to be more narrowly focused, shorter in length, and differentiated by only the first letter of each word in the title being capitalized as in Frequently Asked Questions.

	A
	Adjustment Caps (Q+A)
	ALT - A LOANS
	APPRAISALS
	ARMs
	ANNUAL PERCENTAGE RATE (APR)
	Assets, What Lenders Are Looking For (Q+A)

	B
	BI-WEEKLIES
	BUYDOWNS REVISITED

	C
	Capital Gains Tax Exemptions On Real Estate (Q+A)
	Cash - Out Transactions (Q+A)
	CLTV vs. TLTV (Q+A)
	Mortgage Lenders Conundrum of 'Less is More'
	CREDIT
	Credit Default Swaps (Q+A)

	D
	Days Off Market & Refinancing (Q+A)
	Default On Your Mortgage, What Happens.... (Q+A)
	DEFERRED INTEREST LOANS (See OPTION ARM LOANS)
	Discount Points vs. Rebate Points (Q+A)
	DOWN PAYMENTS

	E
	Economic Indicators, An Explication (Q+A)
	Economic Outlook, Pessimistic
	ESCROW, WHAT TO KNOW ABOUT
	ESCROW/IMPOUND ACCOUNTS

	F
	Fed Funds Rate vs. Prime Rate (Q+A)
	FHAs
	FICO SCORES
	FIXED RATE MORTGAGES
	FORECLOSURE, HOW TO BUY
	FORECLOSURES - SELLING LIKE HOTCAKES
	FORECLOSURES - THERE'S A FRESH BATCH EVERY MONTH
	FOR SALE BY OWNERS (FSBOs)
	FSBOs - A THEORETICAL APPROACH

	G
	Glossary of Fees

	H
	Hard Assets (Q+A)
	HARD MONEY LOANS
	HOME OWNERSHIP ACCELERATOR
	HOME IMPROVEMENTS, WHICH ONE'S PAY BACK?
	HOME SALE, 5 STEPS TO A QUICK....
	HOUSING MARKET (HAS IT BOTTOMED?)
	HOUSING TRENDS IN A BIPOLAR MARKET

	I
	Impound Accounts (Q+A)
	INDEXES
	INFLATION vs. DEFLATION DEBATE
	INSURANCE
	INTEREST ONLY LOANS
	INTEREST RATE DETERMINANTS
	INTEREST RATE LOCKS

	J
	JUNK FEES

	K
	No Current Entry

	L
	Lender Compensation (Q+A)
	LETTERS OF EXPLANATION
	LIVING TRUSTS
	Loan Contingency Removal (Q+A)
	LOAN DOC PROGRAMS (TYPES)
	LOAN PROGRAMS (LITTLE KNOWN)
	Loan Recasts

	M
	MISTAKES, THE SIX BIGGEST MISTAKES HOMEBUYERS MAKE (according to "Money" magazine.)
	MISTAKES (TWO BIGGEST ONES BORROWERS MAKE)
	MISTAKES (TOP 10 WHEN BUYING A HOME)
	MISTAKES (TOP 10 WHEN REFINANCING)
	MISTAKES (TOP 10 WHEN OBTAINING A HELOC)

	MORTGAGE MELTDOWN REVISITED
	Mortgage vs. Deed of Trust (Q+A)

	N
	NEG - AM LOANS (See OPTION ARM LOANS)

	O
	Oil, Price of and Its' Impact on Mortgage Rates (Q+A)
	"Other Income" on Loan Apps (Q+A)

	P
	PORTFOLIO LOANS
	POWERS OF ATTORNEY
	PRE - APPROVED vs. PRE - QUALIFIED vs. APPROVALS
	PRE - PAYMENT PENALTIES
	Primary Residences and Second Homes (Q+A)
	PRIVATE MORTGAGE INSURANCE (PMI)
	Property Liens, Promissory Notes & Security Instruments (Q+A)
	Property Tax, Adjusting (Q+A)

	Q
	QUALIFYING

	R
	Ratios, Front End and Back End (Q+A)
	REALTORS (SEVEN FIRST-RATE ONES)
	Reserve Requirements (Q+A)
	REVERSE MORTGAGES
	REVOLVING DEBT REGULATIONS, NEW
	RISK ASSESSMENT
	RULE #1
	THE ‘RIGHT’ REALTOR

	S
	Seasoning (Q+A)
	SECOND MORTGAGES
	Section 32 Loans (Q+A)
	Settlement Fees 2.0
	Shadow Inventory (Q+A)
	SHORT SALES 2.0
	SHORT SALES - BUYING
	Stated Income Loans (Q+A)
	Strategy for Owners of Investment Property, Rent vs. Sell
	Straw Buyer (Q+A)
	SUB - PRIME DEBACLE
	Sub - Prime Loans (Q+A)
	Supplemental Taxes (Q+A)
	Swing Loans (Q+A)

	T
	Tax - Deductibility of Paying Points (Q+A)
	1031's or TAX - DEFERRED EXCHANGES
	TERMS
	TITLE INSURANCE
	TRUTH-IN-LENDING ACT (TILA)

	U
	No Current Entry

	V
	VA LOANS
	VERIFICATIONS
	Verification of Deposits (Q+A)

	W
	What Your FICO Score Is and Is Not
	Wealth and Income Inequality 2.0
	"CONFESSIONS OF A MORTGAGE BROKER" (OR WHAT MOST OF YOU DON'T KNOW ABOUT MONEY AND MORTGAGES)
	WHAT WOULD YOU DO, IF YOU WERE ME?
	WHAT MAKES A GOOD MORTGAGE BROKER, GOOD?

	X
	No Current Entry

	Y
	Yield Curves (Q+A)

	Z
	No Current Entry