| Introduction | p. ix |
| What Is a Refinance? | p. 1 |
| Refinancing Your Home Loan | p. 2 |
| Types of Refinance Mortgages | p. 11 |
| Rescission Period | p. 18 |
| Why Refinance? | p. 21 |
| When to Refinance into a Different Rate | p. 22 |
| Refinancing the Term | p. 28 |
| Adjusting the Term to Fit Your Payment | p. 33 |
| Reasons to Refinance | p. 35 |
| When Not to Refinance | p. 51 |
| The Refinance Process in Review | p. 54 |
| Refinance Loans and Escrow/Impound Accounts | p. 57 |
| Finding the Best Lender | p. 61 |
| Mortgages: A Commodities Market | p. 61 |
| Who's Who in the Mortgage Process | p. 64 |
| Banker, Broker, or Correspondent? | p. 68 |
| Where Not to Look for a Mortgage Lender | p. 74 |
| Comparing Loan Choices | p. 77 |
| The Subprime Nightmare | p. 87 |
| Finding the Best Loan Officer | p. 91 |
| What Exactly Is a Loan Officer, Anyway? | p. 91 |
| Seven Questions to Ask Your Loan Officer | p. 94 |
| Loan Officer Compensation | p. 98 |
| Qualities of a Good Loan Officer | p. 99 |
| Changing Loan Officers | p. 102 |
| Finding the Best Interest Rate | p. 107 |
| Small Changes, Big Changes | p. 107 |
| Why Inflation Kills Economies | p. 109 |
| Mortgage Rates and Economic Factors | p. 112 |
| Rate Shopping | p. 121 |
| Rate Locks | p. 127 |
| How to Save on Closing Costs | p. 139 |
| Lender Fees | p. 139 |
| Nonlender Fees | p. 140 |
| Negotiating Closing Costs | p. 145 |
| Origination Charges and Discount Points | p. 152 |
| The No-Closing-Cost Refinance | p. 153 |
| Predatory Lending, Loan Fraud, and Bad Guys | p. 163 |
| What Is a Predatory Lender? | p. 163 |
| Prepayment Penalties | p. 168 |
| Bad Guys | p. 170 |
| Loan Fraud | p. 173 |
| Epilogue | p. 177 |
| Glossary | p. 179 |
| Monthly Payment Tables | p. 201 |
| Index | p. 207 |