| | 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 |