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Financing your condo, co-op, or townhouse





PrefaceCondos, Co-ops, and Townhouses: How Are They Different and How Are They Similar?CONDOSHigh-Rise, Mid-Rise, and Low-RiseOne- to Two-Unit CondosCondominium ConversionsCondotelsCommon AreasCO-OPSTOWNHOUSESTHE LIFESTYLETHE HOALAWSUITS, FEES, AND HOAsWhat to Look for in a Property and How to Find the One That's Right for YouUSING A REALTORBUYING FROM A DEVELOPERFinancing Your Condo, Co-op, or Townhouse the Right WayFIXED-RATE MORTGAGESDifferent Amortization PeriodsPrepaymentsADJUSTABLE-RATE MORTGAGETHE HYBRIDOPTION ARMs AND NEGATIVE AMORTIZATIONHOW MORTGAGE RATES ARE SETHOW LENDERS SET THEIR RATESTYPES OF MORTGAGE LENDERSRetail BankCredit UnionMortgage BankerMortgage BrokerCorrespondent LenderOnline LenderHOW TO FIND THE BEST LOAN OFFICERHOW TO FIND THE BEST RATEHold Your GroundGet Quotes at the Same Time of DayQuoting with PointsValidityOrigination FeesAggregator SitesFACTORS THAT CAN AFFECT YOUR RATE QUOTECredit ScoreDown Payment Versus Sales PriceSubordinate FinancingOccupancyHOW TO CHANGE MORTGAGE COMPANIES MIDSTREAMHOW TO LOCK IN THE MORTGAGE RATEDEBT RATIOS AND HOW LENDERS CALCULATE THEMSpecialty Loans, Government Programs, and Refinance LoansINTEREST ONLYEQUITYNO MONEY DOWNGOVERNMENT BOND PROGRAMSPORTFOLIOREFINANCINGDropping RatesChanging the TermPulling Cash OutRefinancing Multiple LoansGOVERNMENT PROGRAMS FOR CONDOS AND TOWNHOUSESVA LoansFHA LoansDOWN PAYMENT ASSISTANCERules Governing Loans for Condos, Co-ops, and TownhousesWARRANTABLE VERSUS NONWARRANTABLE PROJECTSThe Impact of Credit on Your Ability to Buy a Condo, Co-op, or TownhouseCHECK YOUR CREDIT FIRSTFIND OUT YOUR CREDIT SCORESPayment HistoryAvailable CreditLength of Time You've Had CreditCredit InquiriesCREDIT SCORE FACTS AND FALLACIESCREDIT SCORES AND QUALIFYINGREPAIRING CREDITALTERNATIVE CREDITBANKRUPTCIES AND CREDITSUBPRIME MORTGAGE LOANSClosing Costs: What They Are and How to Negotiate ThemAPPRAISALCREDIT REPORTAPPLICATION FEETAX SERVICEFLOOD CERTIFICATELENDER FEESMORTGAGE BROKER FEESSETTLEMENT OR CLOSING FEETITLE INSURANCEDOCUMENT FEESHOA FEESATTORNEY FEESCOURIER FEESGOVERNMENT FEESPREPAID AND NONPREPAID ITEMSGOOD-FAITH ESTIMATEUSING THE ANNUAL PERCENTAGE RATE TO COMPARE LENDERSNEGOTIATING CLOSING COSTSFEES AND REFINANCINGNO-CLOSING COST MORTGAGEAPPENDIX: Monthly Payment SchedulesEXAMPLEGLOSSARY
 
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