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The Insider's Guide to Home Equity Borrowing

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Home Equity Loans and HELOCS, Home Equity Line of Credit. This book will help you find low rates on home loans, and discover great home loan lenders.

  • When is a home loan an especially smart choice for you?

  • How do home equity loans and home equity credit lines work?

  • What are the risks of home equity loans and HELOCS?

  • What should you use home equity borrowing for?

  • When is it tax deductible?

  • How do you shop for a loan or line of credit?

  • How do you find low home equity loan and home equity line of credit interest rates?

  • What do lenders look for on your credit report?

  • Why are some lenders better than others?

  • How does the electronic valuation work? Do to you have to order an appraisal?

  • Why do different lenders have different fees?

"Borrowers have questions deserving of straight answers in everyday language," explains author and loan consultant Pete Hitesman.

"Working with homeowners every day at a leading online lender I soon realized that there is a risky knowledge gap within the general public on what home equity borrowing is, how it works, how interest rates are determined and what causes them to change."

"In this book I set out to help everyday people from all walks of life to save thousands of dollars by understanding how to choose the right loan, shop for a quality lender, qualify for a great rate, and then work through some of the approval challenges that can arise."

The author continues: "The Insider's Guide gave me the opportunity to show people how to get the best rates by pulling back the curtain on the approval process, providing a rare insider's view of what really goes on. Customers are always curious how we obtain AVM's or electronic values on their property, what is on their credit reports, and how to affect the critical ratios."

The author has personally originated over a thousand home equity loans and credit lines. That invaluable experience is captured in the pages of this book. You will discover application and approval strategies that could only be known by seasoned loan officers. These "Insider Tips", (more than one hundred) will help you to make smart decisions, save money, get the best rates, and obtain approvals for deals that otherwise would be declined.

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What you don't know can hurt you


  • Plain language explanations of the borrowing tools - HELOCs and Loans - that will dispel the shroud of mystery surrounding them.

    Guidance on the all-important ratios resulting in a lower interest rate.

    How to deal with common pitfalls and challenges that can crop up in your deal.

    Hundreds of suggestions and ideas to get the lowest rate and save the most money.

    Strategies to get approved if you have no equity, or too much debt.

    Over 100 powerful insider tips that could only be learned from personally working with thousands of home equity borrowers.
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    Reviewer and Reader Comments on...
    The Insider's Guide to Home Equity Borrowing

    An expert loan consultant, Pete Hitesman has personally originated more than a thousand home equity loans and credit lines. In The Insider's Guide To Home Equity Borrowing he draws upon his years of experience and expertise to show the reader in great and comprehensive detail just how to determine the best home equity lender for them, how to successfully negotiate the best terms for a home equity loan, and how to get their home equity loan application quickly approved by the lender. Readers will learn just what home equity borrowing is, how it works, how interest rates are determined, how they are adjusted, and the pitfalls to watch out for. If you are considering a home equity loan, the begin by giving a careful reading to Pete Hitesman's The Insider's Guide To Home Equity Borrowing!

    Midwest Book Review
    Oregon, WI USA

    I highly recommend this book. It is one of the most useful personal finance books I've read in long time. Each chapter contains practical tips and insider knowledge that the average home equity loan borrower (like me) simply would not otherwise have access to. There is no question that the cost of this book can be recovered several times over by anyone who already has a home equity loan or is considering taking one out.

    I spent a lot of time searching the web for information before getting my home equity loan. Mostly what I found was advertising and infomercial "advice" from lenders and mortgage brokers. Nowhere did I find the type of independent, practical guidance contained in this book.

    Tim Paul
    www.SageTips.com

    "The Insider's Guide to Home Equity Borrowing" offers a wealth of information for anyone considering their first or their twentieth home equity financing. The author shares his superior industry expertise with information and tips that no loan consultant would ever have time to explain to every client. This little gem offers explanations and practical guidance to lever the biggest single asset most of us possess. It is a MUST read for anyone considering an equity loan.

    Christine F.
    Mountain View, CA

    Hello Pete, Thank you for putting together such a concise and informative one stop source of information . It really explains things in "laymen's terms". I would liken it to carrying a very bright light down a dark tunnel. I highly recommend it to Loan Professionals as well as Borrowers. Please keep up the great work.

    Brad Mitchell
    Pleasanton, CA

    This is a frequently humorous and easy-to-read book that contains a real wealth of information and tips about home equity lending and mortgages in general. I've been a financial professional (not in the mortgage business) for over 15 years and I was surprised by how much I learned from it. The author has a down-to-earth style that greatly lightens what might otherwise be fairly heavy subject matter.

    For those in the market for a home equity loan or line of credit, this book is a "must-have" ... it will pay for itself many times over. I would also recommend it to anyone who just wants to learn a bit more about mortgages in general - this book explains it all in clear terms and will alleviate most of the confusion that seems inextricably tied to the process of taking out or refinancing a mortgage.

    You will finally understand what is being talked about and will know the right questions to ask.

    Scott Hagen
    Riverside, California

    Pete Hitesman's step-by-step guide and insider tips help both beginners and experts alike to get the best deal on their home equity loan or line of credit. This primer on home equity borrowing is easy to read and user-friendly -- an investment that will pay for itself in savings when shopping for a loan!

    Fiona Raven
    Fiona Raven Book Design

    After one reads Pete's book, it becomes clear that his knowledge of the online borrowing process is without compare. Being a homeowner, and having worked in finance for several years, I thought I knew a great deal about home equity. But Pete's easy-to-read, straightforward and humourous style clarified many concepts that had previously been, at most, hazy in my mind.

    Arlene Prunkl
    Book editing by Arlene Prunkl, Freelance Editor



    ORDER now to get your copy

    192 Page Paperback
    Appendix, Index, Glossary
    ISBN 0975283502
    eBook
    ISBN 0975283510


    Have a look (320K PDF)     at the table of contents and first chapter.
    Book design and layout by Fiona Raven Graphic Design
    Book editing by Arlene Prunkl, Freelance Editor

    Home Equity Loans and HELOCS, Home Equity Line of Credit. This book will help you find low rates on home loans, and discover great home loan lenders.

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