Ralph R. Roberts is a real estate investor and an award-winning speaker and author whose other books include Foreclosure Investing For Dummies, Foreclosure Self-Defense For Dummies, and Walk Like a Giant, Sell Like a Madman, all from Wiley. For more information, visit www.AboutRalph.com.

Chip Cummings has spent twenty-five years in real estate finance, with more than $1 billion in loans as a broker, banker, and president of several mortgage companies. He has helped thousands of homeowners obtain their own homes and investment properties, is a certified trainer for the National Association of Mortgage Brokers, and is a former president of the Michigan Mortgage Brokers Association. His other books include Mortgage Myths, from Wiley. For more information, visit www.ChipCummings.com.