Goodreads Giveaways

Ten lucky people throughout the U.S. and Canada are getting their signed paperback copies of Live in a Home that Pays You Back from our September giveaway.  More than 3,300 people entered the contest. You can still try again!  Another 10 signed books will be given away in the Goodreads giveaway starting October 10th.  Winners…

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Indoor Air Quality – why it matters

A study completed by the International Energy Agency (IEA), Capturing the Multiple Benefits of Energy Efficiency, examined health outcomes resulting from energy-efficient measures completed by residential homeowners. A number of efficiency measures were studied, including insulation, air sealing, heating systems, and ventilation. Results from every type of measure indicated “reduced symptoms of respiratory disease,” and…

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Home Energy Scores

Give your home an energy checkup A home’s energy efficiency is based on a whole-house assessment. Known as an “energy score,” the efficiency rating of a home is based on measurable performance factors of individual appliances or operating systems. New homes today are often built under “green building standards.” After the home is completed, a…

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Non-traditional credit documents can strengthen mortgage approval

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…

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Mortgage agencies update COVID-19 rules for self-employed borrowers

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…

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Inspire someone you love to own their own home in 2021

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. 

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Thinking about buying a home or refinancing your mortgage?

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,…

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First Time Homebuyer Bill Introduced

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…

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