Shopping for a mortgage? Find the 'best' mortgage for your needs with an objective, editorial, no-ads lender survey. See real rates, not advertised rates, collected by our direct telephone survey of lenders in your area. Order online today - just $10! See a list of areas... and buy it online now!
Homebuyer's Mortgage Kit
HSH's nationally-acclaimed mortgage shopping kit is the best way to find the right loan for your needs.
You know that shopping for your mortgage is at least as important as shopping for your home, because the right loan can save you tens of thousands of dollars.
Rated as "One of the 100 Best Deals in America" by Money Magazine.
|Table of Contents||Areas we cover in our surveys.||BUY IT|
What's In It?
The Kit includes "How to Shop For Your Mortgage", a 56-page, continually revised booklet jam-packed with info on the types of loans available; how to decide which loan type (and which options and features) are right for you; choices that could save (or cost) you money; how to trim up-front fees, and more. It includes worksheets to help you determine the loan types and amounts you can qualify for, compare different rate/point combinations, and calculate your initial monthly payment.
You can add any of our educational booklets for just $2 with the purchase of the Homebuyer's Mortgage Kit.
The Kit -- our "How to Shop" booklet, plus the list of lenders in your area -- is just $20 plus $3 s/h. We recommend the entire Kit if you're new to the market (or haven't mortgage-shopped in several years... things change!). Experienced shoppers can purchase just our renowned non-advertising mortgage surveys for $10 plus $1 s/h each -- or just the "How to Shop" booklet for $10 plus $3 s/h.
Home Equity Loan Survey & Home Equity Line of Credit Survey
HSH collects more than just mortgage rates! Every month, HSH collects the latest information on home equity loan (second mortgage) products -- and home equity line-of-credit (HELOC) products -- from lenders in dozens of metropolitan areas around the US.
HSH's Low-Cost "Guide to" Booklets
HSH mortgage guides will be updated and free to read online soon. please follow the news alerts on HSH.com homepage.
A Homebuyer's Guide to Mortgage Fees and Qualification
This booklet details the costs and procedures of buying a home from FICO scores to Tax Service Fees, and provides a point-by-point review of the common fees that face every homebuyer. There's also a worksheet for determining just home much mortgage they can qualify to borrow, and an amortization table for determining monthly payments for a mortgage. 12 pages.
A Homebuyer's Guide to Mortgage Strategies
Should you take a FRM, Balloon or Hybrid or traditional ARM? In today's volatile market, choosing the right kind of mortgage is even more crucial than ever before. Discussions of short vs. long time frames, assumable mortgages, prepayment options, worst case/worst cost scenarios will help you make the right decision. Mortgage Strategies will get you in tune with the current mortgage climate. 12 pages.
A Homeowner's Guide to Mortgage Refinancing
Why should you refi? When? How much can it cost? What is involved? Should you always select a fixed-rate loan when you refi, or can an ARM be a better deal? Pay fees, or go with a no-cost refi? This booklet helps you answer these questions, and offers tips on how to save time & money when you refinance and how to speed up the process. Also includes worksheets to determine how much you could save, and more.
A Homeowner's Guide to Prepaying Your Mortgage
Already refinanced, or can't refinance? Changing the way you pay your mortgage can still help you to save a bundle of cash. Just an extra $10 each month can add up to thousands of dollars in interest savings. This booklet is right for you if you've ever wondered whether to prepay or invest your money, wondered about biweekly payment plans, want to retire mortgage-free, and more, with details on exactly how to fit your mortgage into your financial goals. Find out how! 12 pages.
A Homeowner's Guide to Private Mortgage Insurance
This booklet provides valuable information for any homeowner whose loan requires MI, including answers to questions which include "How do I get PMI? Where does it come from, and how does it work? Who does it benefit, and why? And how can you get rid of it when it's no longer needed?" The specifics of when and how it can be cancelled are spelled out in plain language. A table of how equity is built by amortization alone and how it builds with a combination of amortization and home price appreciation will help consumers to understand when MI policies may be cancelled, and a sample letter to send to a lender or servicer to initiate the task is also provided. 12 pages.
A Homeowner's Guide to Home Equity Loans and Lines of Credit
What's the difference between a loan and a line? How do you find the best product for your needs? No-nonsense instructions on fixed rate, variable rate, indexes, draw periods, and more, about the only tax-deductible form of consumer borrowing. This 12-page booklet gives you the straight facts on how they work & how to shop for one with all the facts, and includes a list of survey questions you need to ask while shopping. Don't leverage your home without it!
A Homebuyer's Guide To Environmental Hazards
Information on potential health and safety problems posed by asbestos, radon, lead, and other hazards that may be in the air, drinking water, or the soil around a home. This is a reprint of a cooperative publication developed by the EPA, trade associations, and state and federal agencies representing the U.S. housing and home finance industry. 16 pages. Environmental Hazards is also available on our Web site at no cost.
Tracking the Market
Join the professionals who track the mortgage market with HSH's authoritative, widely-read publications.
The HSH Statistical Release and HSH Market Get it via e-mail for free!
Used by the networks and major newspapers coast to coast, Market Trends is a one-page weekly summary of events affecting the mortgage market. Market Trends covers a variety of topics of interest to pros and consumers alike, with market forecasts, current events, new types of mortgages, new regulations, revisions to existing regulations, and more.
The latest ARM indexes
Lenders and servicers should check out our Daily Index Update Service. Every business morning you receive the latest available ARM indexes, starting at just $25 per month -- available as a web service, or delivered via e-mail or FTP.
HSH® Associates, Financial Publishers
51 Route 23 South
Riverdale, NJ 07457
Phone: 800-873-2837 | 973-617-8700
|Prices are subject to change without notice. Telephone orders accepted for orders of $10 or over on Visa or Mastercard. Call toll-free, 1-800-UPDATES, Mon-Fri, 9 to 5 PM Eastern time.
Or order it online via our secure order form!