ZERO-COST REFINANCE LOANS REALLY DO EXIST;

NEW BOOK REVEALS HOW TO GET LENDER TO PAY CLOSING COSTS

ATTENTION: Real Estate/Finance/Consumer Editors

Media Contact:

Doris Dobkins, CEO

Creative Finances

Phone: (916) 645-1434

E-Mail: Dorisd@jps.net

For Immediate Release

ZERO-COST REFINANCE LOANS REALLY DO EXIST;

NEW BOOK REVEALS HOW TO GET LENDER TO PAY CLOSING COSTS

The level of confusion that exists as a result of a lack of understanding about the home-buying process differed little depending upon age, income or home-buying experience, the survey found."

-- Quoted from National Mortgage News

March 11, 2002 -- (Lincoln, California) ---- Current mortgage rates are the lowest since Freddie Mac began tracking thirty-year mortgage rates in 1971 -- great news for people thinking about buying a home or refinancing the one they already own.

The bad news for the general public? There is a lot of confusion surrounding the whole process of understanding points, down payments, loan applications and closing costs. Media headlines around the country point to an increase in 'predatory lending practices -- with hidden fees and all kinds of surprises at closing. In her new e-book, Refinance Secrets Revealed, Doris Dobkins tells readers how to:

·    Pay no closing costs

·    Ask the right questions

·    Find the right lender

·    Avoid costly mistakes

·    Conduct yourself with confidence

·    Avoid surprises at closing

In her book, Dobkins provides real solutions to anyone looking to have their lender pay closing costs and to save thousands of dollars per transaction. People really need to take the time to understand the process, to understand points, down payments and closing costs," Dobkins says. I see it all the time. Homeowners refinance, pay thousands in closing costs, and then sell their home before they are able to recoup costs. Or worse yet, homeowners pay thousands in closing costs and points to lock in a great interest rate -- 3 months later the rates drop.

Refinance Secrets Revealed can be purchased at www.refinancesecretsrevealed.com for $17 (PDF format) or $26 (hard copy). Five additional resources are included with purchase at no additional cost: How To Protect Yourself From Predatory Lending Practices, The Final Truth About Bi-Weekly Mortgages, Three Ways To Quickly Pay Off Your Mortgage, A Transcript of Doriss Private Interview With A Mortgage Lender Who Tells All, and 6-month subscription to $mart Money New$.

# # #