Two years ago, the mortgage industry imploded and the real estate market collapsed, changing many of the rules for qualifying and getting a mortgage. Whether you want to buy a new house, refinance your existing mortgage or work with your lender to modify your troubling loan, there is a whole new guidebook. Author and real estate expert, Dale Robyn Siegel, will take you through the current lending process step-by-step. This course will show you how to qualify for the best loan in today’s world. You will learn:

• How your FICO score affects both your down payment and your interest rate


• How to calculate your own income to expense ratios, just as the banks do


• How much money you need to buy a home and what assets are best to use


• How the new appraisal standards WILL affect your loan


• How to choose the smartest mortgage program for yourself


• When to refinance and how to avoid it


• How to deal with your lender if you need to do a mortgage modification

In the new world of mortgages it is not who you know, but what you know. Get smart! Spend three hours with Dale Robyn Siegel and get the power of knowledge! Never make a mortgage mistake or get ripped off again.

This seminar is designed for anyone that is looking for information about mortgages, whether a homeowner or real estate professional. First time homebuyers, repeat buyers and residential investors will learn the in’s and out’s of the mortgage world. Real estate professionals seeking a general overview will be able to walk away with a solid base of information to provide their clients or help aid in their own role in the transaction. This class is designed for a length of 3 hours, but may be consolidated into two hours. Individual modules such as the home buying process or qualifying for a mortgage can easily be presented in 1 hour. All seminars will allow time for Q and A.