With hundreds of mortgages now available, How do you choose the one that's right for you? Congratulations! Chances are you're buying a new home or refinancing an old one and are now in the process of applying for a mortgage loan. Before making any decisions that could affect the next 30 years of your life, arm yourself with this edition of Tips & Traps When Mortgage Hunting. There are so many loans now available for practically every situation. America's leading real estate authority, Robert Irwin, will help you cut through the confusion and find the mortgage that fits your needs and is right for your budget. If one of your biggest concerns is paying too high an interest rate, or shelling out excessive cash for closing costs, this book will save you money by showing you how to find the lowest rates available. In easy-to-understand language, Irwin explains...when to use a mortgage broker and how to find the right one, how to use the latest technology to conduct a mortgage search online, how to shop for and lock in the lowest interest rate, and how to avoid being denied a mortgage because of a credit problem. This clear and comprehensive guide will provide you with the most up-to-date information and insider tips to help you avoid the traps of mortgage hunting and find the right mortgage at the right.