The cold hard fact is that most people never pay off their mortgage. Most people refinance time and again, the wrong way, and end up with balances larger than the original purchase price of their home.This book tells you how to break that cycle, or if you are a new home buyer, how to never start down the path in the first place. It won't work miracles, but it will show you how to stop wasting your money.A step by step guide that prepares you with what you need to know about mortgages as a consumer, tells you how to cut through the nonsense, what is important and what is notWritten by a working loan officer with wide-ranging experience and a decade of running a consumer education website, What Consumers Need To Know About Mortgages draws from a depth of experience dealing first-hand with issues that actual consumers have brought to the author for examination, together with common sense solutions that consumers can understand.For the numerically inclined, calculations are included but not required for understanding.