There’s a fine line these days between fear-mongering and being responsive to consumers’ timely concerns. When I first scanned the cover of "Navigating the Mortgage Minefield," my neurolinguistically programmed hackles went up, and I braced myself for a barrage of foreclosure horror stories, easy on the useful advice. By and large, that’s the stuff that rushed-to-the-presses-while-the-topic-is-still-hot books are made of.

Then I opened the book, and was pleasantly surprised.

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