Finally, someone has compiled a thorough yet easy to understand reference manual that has everything you need to know to optimize your real estate investments.  This book is not about selling you something.  It is about educating you.  Avoid the grief of ignorance and implement the strategies to take control of your financial future.

Lee M. Brower
Founder of Empowered Wealth/Quadrant Living Experience, Utah

“Mortgages, What You Need to Know”, by Dave Muti (www.pocketguidepress.com) is about a lot more than making those monthly payments to the bank. Mr. Muti, a mortgage authority, makes this mundane subject not only readable, but useful. As he rightly points out, a mortgage is often one of the most important financial decisions a person makes. That being said, it’s amazing how flippant many have been this past decade when it comes to home finance. This casual attitude toward borrowing against one’s home is largely to blame for the latest credit crunch. If only more people had read a book like this one. Know anyone contemplating buying their first home? Wondering about which is the best mortgage strategy for you to pursue to get that vacation home? Your first step should be to read this book.

Joseph Finora Jr.
Southampton Press, New York

As a best selling author of personal finance books and a 20-year veteran of the mortgage industry, I understand the value of shining the light of knowledge on your path of life.  This book can be a flashlight, illuminating your obstacles and road signs, guiding you to more rewarding choices.  Instead of just blindly following the guy in front of you or the old paths you stumble upon that leave you wandering in financial circles, grab this guide and put on your shades as you view your sunny future.

Marian Snow
Author of Stop Sitting On Your Assets, Missouri

In today's treacherous economy, with falling real estate values, tightening credit and a shrinking job market, home owners of all kinds need to take a fresh look at how they are using their home and their mortgages. This is true for first time home buyers as well as for long time home owners. Most people fail to pay adequate attention to the type, length and terms of their mortgages. In today's real estate market being so cavalier can mean real personal disaster. Dave Muti's book (Mortgages: What YOU Need to Know) is perhaps the single most important resource available on today's mortgage market. It's the one book you can turn to for all of the mortgage related information you need to make smart, informed decision that will impact you and your family for years to come.

Jack Killion, Adjunct Professor,
Fairleigh Dickinson University School of Business
Managing Partner, Eagle Rock Diversified Fund, LP,
a fund of hedge funds, New Jersey

A must read for anyone who has a mortgage or is thinking about buying a home.

Allan D. Koltin, CPA
President & CEO
PDI Global, Inc., Illinois

Back to Top

This book breaks down the basics so the average consumer will have a better understanding of what their mortgage is and more importantly how to use the information to benefit their financial future.  I see how this book can become a nice value add for financial professionals to use with their clients in connection with their services.  Great Job!

Steven Marshall
CEO, Strategic Equity
Founder of Mortgage Planner Magazine, Washington

Finally! A How to Book on how to understand the mortgage process.  After reading the book it made so much sense that anyone wanting to own a home or anyone in the mortgage business should read this book.  It will not only educate you on the process but it will give you the edge you need especially in this market. This is a must read and it’s on my recommended reading list.  If you are a mortgage professional this book is a great resource to give to your clients to help better educate them in conjunction with your services.

Matt De La Cruz
Founder / CEO
The Winning Minds Group, Michigan

Back to Top

What an amazing tool! This book blew my mind as to how well it makes complicated issues, simple & easy to understand. For any manager or originator, this would be a phenomenal tool to train you & your team on how to help clients make better mortgage decisions. I also love the consumer focus of the book, for the first time the industry now has a tool that really helps clients understand the basics of a mortgage, but at the same time clarifies what the long term impact of those decisions will be on their financial future. Dave, I especially love how willing you are to freely give the consumer several additional tools that will help consumers make better mortgage choices! Truly, thank you for providing exactly what the industry needs right now!

Erik A. Janeczko,
Coach/Coach Instructor
Maximum Acceleration, The LoanToolbox Coaching Company™, Missouri

A great prelude for anyone remotely interested in exploring mortgage planning strategies. A must read for the consumer and both the rookie and seasoned mortgage professional… a powerful and critical foundation for productive planning sessions.  

Paul W. Haarman CMPS, RMA
CEO & Co-Founder
Renaissance Mortgage Corporation, New Hampshire

Back to Top

The information in this book is must read for 1st Time Home Buyers. I would also encourage all bankers and brokers to have all Loan Officers read this as part of their training curriculum. This book does a great job of breaking down mortgage financing into simple terms!

Jon Lamkin
Senior VP, Northern Region
Financial Resources, New Jersey

This book is an asset for our clients and our firm. It takes the mortgage process; clarifies and simplifies it, then lays the foundation for strategic mortgage planning in a way that it is understandable and not overwhelming. We plan to get this in the hands of each of our clients prior to our first meeting.

Chad Orstad, CRMS, CMP, CMPS
President & Co-Founder
T.N.T. Mortgage, Inc., Missouri

Financial Planners

We spend a lot of time educating people about mortgages and this book has become part of our process to raise the level of our clients’ knowledge and our conversation.  Better educated clients allow us more quality time to help to determine the right mortgage for their future.  This small investment in knowledge will more than quadruple the return for our clients and our firm. This book is a must read; where was it 3 or 4 years ago…

Albert J. Perkins, IV
Founder and CEO
CNRG Corp., Hawaii

As a TV host and a Certified Financial Planner® practitioner for over 20 years, this book has taught me several new strategies to help improve the financial outlook for my clients.  Thank you for sharing this valuable information!
 
Saul M. Simon
CFP®, CFS, RFC
Private Wealth Advisor
Simon Financial Group, New Jersey

Back to Top

As a professional who works with clients on optimizing all of their financial assets, this book is an excellent resource for first time home buyers and seasoned real estate investors.

Gary R. Scheer, CSA
Radio Talk Show Host
Founder Financial Management Group, New Jersey

Dave Muti is a leading authority on Mortgages and this book is an outstanding must-read primer for anyone who works with, owns or is thinking of owning residential real estate. This book reveals the inside secrets on how these incredibly important financial products are created, marketed, and used in easy to understand language. From sophisticated financial advisors to current and prospective homeowners, this book will take you on an eye opening journey through the details and strategies that you need to know

Kaushal "Ken" Majmudar, JD, CFA
President and Chief Investment Officer
The Ridgewood Group, New Jersey

As a Certified Financial Planner I have been advising clients for over 15 years about mortgages. Most clients believe mortgages are simple to understand and who ever has the lowest rate wins. But there are lots of hidden "gotcha's". This book discusses the real issues and puts you, the consumer, back in the driver seat. I enjoyed reading it and learned a few things myself. Finally a mortgage book that makes cents!

Richard Brownstein, CFP®
Founder and President
Financial Health Center, New Jersey

If you own a house, you need this book! The financially savvy homeowner will benefit from the tools to increase cash-flow and maximize wealth. This book should be part of every Financial Planner’s library.

Diane K. Taylor, CFP®, EA
Past President – Financial Planning Association of New Jersey

To quote Leonard Renier -Knowledge is power. Knowledge can be time-consuming and expensive. Now, consider the cost of not knowing something. There lie the lesson. This is a compass to help guide and educate clients as well as advisors through the maze of what is to be the largest financial decision they or their clients will ever make. This has to be in the hands of those that plan on purchasing or refinancing. Whether you are a first time home buyer, a seasoned real estate investor or a financial professional using this with your clients, you will walk away with knowledge that you can use right away to improve your situation.

Robin Barnes
LifePro Financial Services, Inc.
Founder/President Educational Institute of the Southwest, California

Back to Top

Unique times call for unique strategies and within Dave's book, you will find the hidden wealth many of us have been passing up all along. As a financial professional, we help clients break free of outdated financial wisdom and redefine how a mortgage can actually be a springboard towards reaching financial goals. Thank you Dave for providing an extremely helpful resource that will enhance our process!

Matthew Sapaula
President, Matthew Sapaula, Inc., Illinois

As a financial planner this book has become an essential first step in having our clients understand how critical their mortgage is to their overall financial well being.  We give this book out to all our clients at our initial consultation.  It helps clients understand how their mortgage fits into their overall financial picture and how it affects the funding of their retirement assets.

Christopher J. Lester, President
Professional Planning Services, Inc., New jersey

Terrific book, it is very easy to read and written so that all readers can understand the basics and concepts. In today's volatile market and great uncertainty regarding the real estate market and associated credit issues, home owners and prospective home owners will benefit greatly from Dave Muti's book. I have recommended his book to friends, neighbors and business associates. It is definitely worth buying and reading again and again for reference information as well.

Jeri Cohen, Financial Advisor, Vice President - Investments
Wachovia Securities, New jersey

Attorneys

As a matrimonial attorney handling divorce matters, my clients are often faced with having to refinance a home or assume a mortgage on a new home.  This book offers valuable information and is presented in a manner that is easy to comprehend.   It particularly helps my clients better understand how a mortgage impacts their future financially and alleviates some of their financial uncertainty.  The advice and explanations provided assist both attorneys and their clients in order to make sound financial decisions based upon logic and reason.

Debra S. Weisberg, Esq.
DONAHUE, HAGAN, KLEIN, NEWSOME & O'DONNELL, P.C., New Jersey

Back to Top

Folks going through divorce or other break-ups often need to be educated on a variety of subjects. This book is a must read for those encountering real estate/mortgage transactions. This book is a great resource to recommend to my clients to help them make the right choice with their finances.

Jamie K. Von Ellen, Esq.
Wolkstein, Von Ellen & Brown, LLC., New Jersey

If you think you know everything there is to know about mortgages - think again. I am a CPA by training and I was blown away by some of the advice in this book. I realized that I didn't have all the facts to advise my clients correctly or to do it right myself. Now I do.

Mike Jeffries

Excellent book, uses plain everyday English and is very well put together. As a complete novice in the world of mortgage, I got a much better and clearer view from it than I was expecting. If you are a first time homebuyer or looking to get a mortgage or even if you looking to refinance this book is gold. I have a much better handle on what to expect and what to avoid as I head into the mortgage market.

Moshe Zchut

Back to Top

This book really goes through all the factors that go into getting and choosing a mortgage, from readying your credit score for a better interest rate to deciding which kind of mortgage you need. A quick easy read with lots of information and written with normal people in mind.

Diana

If you own a home, or are thinking of buying one, this book will shed light on a difficult to understand topic, mortgages and how they affect you and your life. Dave Muti is a master at taking typical "mortgage lingo" and making it easy for the reader to understand.

Earl McLain
Maple Grove, MN