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105 of 111 found the following review helpful:
 Could you live in a 12x16 foot shed? Jan 29, 2003
By Real Estate Investor
Find the answer to that burning question in this book, "Mortgage Free" by Rob Roy. I'm not exactly sure what I expected, but my expectations were more along the lines of a real estate or finance book. The title of the book threw me. In reality this is more of a book about building your own house at a low cost, therefore not needing to get a mortgage and a whole lifestyle of low cost living and low impact on the earth. Paul Terhorst's book "Cashing in on the American Dream" is also about living without a mortgage but from a totally different perspective. Here the author Rob Roy, which by the way is a great name, writes about keeping your house small and simple to reduce the costs. He writes of his own experience of lving in a temporary shelter before you build your own house. In his case this was a 12x16 foot shed. He even tells of using printer's plates as roofing material. Not many wifes and kids are going to want to live in a 12x16 shed. The author is a frugal, and conservative environmentalist and writes of that lifestyle. He lives on $5,000 a year of his savings and does not work at a job per se. The author is frugal, cheap, or what ever you want to call it and apparently it works for him and his family. Will it work for everybody, I think not. His job is building houses and writing about it. I did enjoy the book and it was easy to read. It was a learning experience for me and a few of the ideas in the book might be useful, but I'm not ready to sever the electric grid line just yet. There is a very nice appendix in the book with building schools listed as well as an extensive bibliography. This is the first book that I've read of the author, but I would consider others. `I'd also recommend the Les Shur book "Finding Country Properties", the Rlaph Turner book and the Joe Dominquez and Vicki Robin book, "Your Money or your life". If you liked "Mother Earth News" and "Whole Earth Catalog" you'll probably enjoy this book also. On the other hand if you drive a Hummer and live in suburbia with your 2.5 kids, this might not be your cup of tea.
68 of 73 found the following review helpful:
 A Radical Idea and an Excellent Resource Apr 23, 2003
By Krystle, SelfmadeFarmer.com
Once in a while, I read a book that makes me question something I always took for granted. For example, it was Ageless Body, Timeless Mind by Deepak Chopra that showed me people don't have to grow old and brittle before they die. It was Rich Dad, Poor Dad by Robert Kiyosaki that taught me what it really means to be rich. And I credit Mortgage-Free!, by Rob Roy, with being the book that proved how people can own a comfortable, beautiful home without taking out a mortgage.I decided to read Mortgage-Free! because the title intrigued me. Little did I know that it would be such a fantastic book, or that it would relate so closely to the theme of my website, SustainableWays.com (for which this review was originally written). I always thought that having a house was synonymous with having a mortgage. But when you really think about it, a mortgage is not much of a good deal. The author shows how most people who take out a mortgage end up paying nearly three times as much as the house they live in is worth. Even worse is the inevitable nature of debt as a work trap: "An unholy percentage of American men and women are working largely for their houses, at jobs they would not choose were pay not the overriding consideration. I spent nearly five years at that game, surrounded by co-workers caught in the mortgage trap. My escape was made possible largely by our mortgage-free home." -Rob Roy, Mortgage-Free! It's the author's own experiences in walking the talk that really makes this book and excellent investment. Yes, the ideas may seem outrageous, but Rob Roy makes it undeniable that they are, in fact, do-able. Not only does he describe his own 25-year success in building and owning mortgage-free homes, but he also provides a number of examples of others doing the same thing. On top of that, this book is rich with book recommendations, phone numbers, and other starting points. Basically, he covers every base so well that the only reason you'd have NOT to follow his advice is down-right laziness. This book will best serve people who are independent, open-minded, and logical. But if you're a die-hard conformist that scoffs at anything unconvential, then this book is not for you. Even though the ideas and methods presented in Mortgage-Free! will be most useful to people living or willing to move to rural areas, anyone can benefit from the knowledge provided in this book. Even now, as I'm flipping through it, I'm continually amazed at how helpful and thorough this book really is. It touches on everything from eating well, to helping the environment, going to college, and so on. This is definitely a holistic, integrative piece of work. Ultimately, this is a book I felt I had to buy because of its usefulness as a reference. If you read it more than once, you'll realize that Mortgage-Free! isn't really about owning a home. Even if you don't end up owning or building a house, this book will have served you well in that it'll have made you question something that you normally would've accepted. Avoiding a mortgage is just one of the many aspects of a better way to live: On your own terms.
17 of 17 found the following review helpful:
This book is a must if you want to build without a mortgage. Oct 29, 1999
By Andre Ballard
The author speaks from experience which is comforting to know, if you are going to venture out into the lonely waters of building your house without a mortgage. Must of your friends and relatives look at you like your crazy when you mention the subject. So to have a book from an experience person on this subject lends much credibility to the book and author. This book is written well and is easy to read. I would highly recommend this book to anyone.
31 of 35 found the following review helpful:
Enter a New World Mar 22, 2000
By Dr. David Shafer
Most people go through their lives blindly following a set way of accomplishing the act of living. A few question that path. Rob Roy has produced a book that can lead to a profound change in doing life. If you want to step out of the normal and to reexamine the way most people go about finding and buying shelter then read this book. Based on a few simple and old ideas, this book leads you down a path toward financial independence. How to acquire shelter and not end up owing your life to financial institutions is a mind opening exercise, well worth the price of this book. Step by step he teaches you how he accomplished his goal of mortgage free living. Even more importantly he encourages the reader to do the same. What would you do if you had a mortgage free home? Following his strategies could open up a whole new world for the reader. A world of infinite possibilities!
34 of 39 found the following review helpful:
Freedom Awaits Sep 07, 2000
By Joel and Teresa L
Far from being just another book about ways to buy real estate, Rob Roy's book 'Mortgage-Free' encompasses an entire way of life that can set you free from the oppressive, credit induced, treadmill existence that ever-increasingly dominates & enslaves people to debt & by doing so greatly decreases their quality & enjoyment of life. Rob combines Thoreauvian based economics & plain old down-to-earth common sense with wisdom gained from his many successful years of Mortgage-Free living. He offers hope, inspiration & practical, proven techniques to those who would dare to actually take charge of their own lives & realize that there are alternatives to huge indebtedness. Filled with genuinely useful information & examples, Rob reveals not only his own personal triumphs, but also mistakes he has made along his own Mortgage-Free journey & he does this in a very readable, entertaining, as well as enlightening fashion. Buy a copy or use one of Rob's own money saving techniques if you must & check with your local library- Either way I think you truly owe it to yourself to read this book before you set out on your own personal home-ownership journey. Good Luck to you all!
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