Are we safe yet? Have the risky, over-priced mortgages gone away? Not a chance! Just when loan officers were getting desperate for business because of the market downturn, the so-called mortgage gurus rode onto the scene like horsemen out of the apocalypse.

Heads up! They've got brand new tricks for sucking money out of your bank account.

Banks have created new, confusing Good Faith Estimate forms that hide needless fees. Secret back-end commissions are making loan officers rich—at consumers' expense.

Mortgage Insider Carolyn Warren Discusses HOT TOPICS, such as:

•    Two brand new junk fees popping up on closing costs — and how to avoid them.

•    How to get a wholesale interest rate.

•    What you should never say to a loan officer — unless you want to be charged more! (This is a common mistake.)

•    Why refinancing now might be a big mistake — and cost you tens of thousands of dollars.

•    How to raise your credit score faster than they said you could and qualify for the cheapest financing.

CREDENTIALS: Carolyn Warren was a mortgage industry insider for ten years and worked in retail and wholesale lending for some of the nation's largest lenders, including Countrywide Home Loans, Ameriquest, First Franklin, and others. She is a popular speaker and the author of Mortgage Rip-Offs and Money Savers (Wiley).

AVAILABILITY: Seattle area; Nationwide by
arrangement and via telephone.
CONTACT: Carolyn Warren (425) 562-0909 home; (206) 919-4542 cell (WA); carolyn@mortgage-helper.com; www.AskCarolynWarren.com; www.wiley.com/business