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The Normal Peoples Guide
Normal Peoples GuideContactCalifornia Mortgage Loans | Stated Income | Mortgage Loan CalculatorConsumer Protection | APR Rate | what Is APRLoan ExpertWho Is Holly book
Protection from Bait & Switch 
Many people think that shopping for a mortgage is as simple as shopping for anything else. They believe that they will always receive what they are promised.

Unfortunately, the mortgage business doesn't work that way. Your only real protection is to work with a loan officer who has integrity. However, if you choose to shop the web and answer solicitations that look promising, for your protection please read this article.
Protection from Bait & Switch
This is a chapter from my soon-to-be-published book, "The Normal People's Guide to Home Financing."

Junk Fees
Protection from Bait & Switch
Points Explained
Risk Assessment Forms