Author Richard Cohen's It's Not About Rate Shatters Mortgage Myths For First-time Homebuyers

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Richard Cohen's first book, It's Not About Rate: The Right Way to Get a Mortgage (AuthorHouse, 2007) teaches first-time homebuyers the essential and personal points they need to know about mortgage-related matters from an insider's point of view. The book provides a comprehensive yet basic understanding of the mortgage process and the best way to approach buying a home. Cohen's It's Not About Rate answers the nagging questions lurking in the minds of every first-time homebuyer.

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Mortgage industry experts are buzzing about Richard Cohen's first book, It's Not About Rate: The Right Way to Get a Mortgage (AuthorHouse, ISBN: 978-1-4243-3699-9). Industry insiders have declared it the best book to help ensure a risk-free experience for first-time homebuyers. A sales manager and senior mortgage banker at Chicago Bancorp, one of the largest privately held mortgage banks in the country, Cohen's consultations with thousands of homebuyers have given him the insight to address their common questions and concerns, plus mortgage pitfalls to avoid, throughout It's Not About Rate. Cohen also hosts an online blog for first-time homebuyers.

Cohen compares home buying to making one's first bungee jump. It's Not About Rate outlines the similarities between committing to the mortgage process and deciding to take that first bungee jump. When it comes to first-time home buying, Cohen explains how a safe "bungee jump" comes down to: (1) budget planning (2) pre-approval (programs, price limits, payments), and (3) the power of a trusted mortgage planning team. First-time homebuyers must work through the fear of "jumping" to get to the joy and excitement of home ownership.

It's Not About Rate is an indispensable how-to guide that demystifies the mortgage process and explains how careful planning and choosing the right mortgage professional matters every bit as much as interest rates and closing costs. The book is straightforward, honest, personable, fun, and written without technical jargon in a style any reader can understand. Written for first-time homebuyers, as well as second-time or experienced homebuyers who may have had a bad experience the first time around, It's Not About Rate is filled with practical advice and tips about the mortgage process including:

  •     The single biggest mistake homebuyers make.
  •     The one question first-time homebuyers should not and cannot avoid.
  •     The serious risk factors even a good credit score cannot overcome.
  •     The 4 essential pointers that guarantee a smooth home-buying process.
  •     The pre-approval process as a means of leveraging buying power.
  •     The importance of a mortgage planning team and how to create one.

The release of It's Not About Rate also kicks off Cohen's speaking tour, beginning April 2007. It's Not About Rate by Richard Cohen ($12.95 ISBN: 978-1-4243-3699-9) is available via


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