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All rights reserved. He also includes informative material on how credit scoring works and understanding credit ratings and credit problems that could scuttle your loan. is the definitive insider’s guide to the ins and outs of real estate financing Secrets of Buying and Selling Real Estate . . .Without Using Your Own Money! By the time the loan is repaid, the homeowner will have paid several times the original amount in interest. Chantal Howell Carey (Bedford, TX) is a banker's worst nightmare -- a book that tells you how to live without being enslaved to financial institutions. From buying properties before the foreclosure sale to bypassing owners and making deals directly with lenders, this guide reveals the secrets of successful short-sale foreclosure investing. Chantal and Bill are also the authors of Quick Cash in Foreclosures (0-471-67955-0), How to Sell Your Home Without a Broker, Fourth Edition (0-471-66854-0), The New Path to Real Estate Tax Liens (0-471-69286-7), all from Wiley. Bill Carey (Bedford, TX), a member of ZONTA International, has handled millions in real estate investing is a banker's worst nightmare -- a book that tells you how to live without being enslaved