Did you know that according to the Secretary of Housing and Urban Development (HUD), homeowners in the United States, your friends and neighbors, will overpay sixteen billion dollars this year alone for their home loans? This is largely due to a perfectly legal but hidden markup of your mortgage interest rate by the person arranging your loan. Once you know how to recognize this hidden markup you’ll get wholesale mortgage rates for your next home loan and save yourself thousands of dollars from unnecessary markup and junk fees. Here are several Mortgages for Dummies articles, written in plain English, to get you started on the road to saving thousands of dollars on your next home loan.