According to the data from the 2019 Home Mortgage Disclosure Act (HMDA) 8.9% of mortgage applicants (about 1.3 million people) were denied. The number one reason for denial is a high debt-to-income ratio, followed by “credit history.” Although the majority of consumers have a credit score, there are many with minimal credit experience or have…

Read More

The Federal Housing Finance Agency (FHFA) has issued updated COVID-19 temporary rules for mortgages purchased by Fannie Mae and Freddie Mac. Mortgage lenders may apply the restrictions for loans currently in process; however, requirements are mandatory for all loan applications received on or after December 14, 2020. The COVID-19 temporary rule for self-employed borrowers has been…

Read More

20% Discounts! For print orders placed on BookBaby, enter the following discount codes at checkout: Housing Finance 2020:   2020E Hipoteca 2020:  2020S Welcome to the Agrihood:  veggie Select your book from the home page, and choose BookBaby on the applicable list of book distributors. 

Read More

Interest rates have fallen to historically low rates, and home buying is more affordable than ever.  If you are already a homeowner and thinking of refinancing–now is the time. However, these are challenging times and people are worried that they might not qualify for a new loan. Axiom Business Book Award Winner, Housing Finance 2020,…

Read More

On July 23, 2020,  New York Representative Sean Patrick Maloney introduced the First Time Homebuyer Pandemic Savings Act, a new bill that will help first-time homebuyers realize their dreams of homeownership, during and after America’s recovery from the coronavirus public health and economic crisis. The First Time Homebuyer Pandemic Savings Act allows first-time buyers to withdraw funds from their…

Read More

GoodReads Giveaways! 20 Signed Print Books will be shipped to winners for the following three books: Housing Finance 2020:  Starts June 27 – Ends July 27 Welcome to the Agrihood:  Starts July 1 – Ends July 19 Hipoteca 2020 (Spanish):  Starts August 1  – Ends August 31  

Read More

Immediate shipping is available for any paperback book purchased from BookBaby. Choose your book from the main menu on this website. Select BookBaby, and at checkout, enter the applicable discount code to save 20%. Welcome to the Agrihood    Code:   veggie Housing Finance 2020   Code:   2020E Hipoteca 2020   Code:   2020S  

Read More