About the Author

Axiom Business Book Award Winner

Anna DeSimone is a nationally recognized author and consultant in housing finance, and has developed more than 40 best practice books for industry professionals on the topic of fair and responsible lending.

About Housing Financing 2020

Owning a home is even more affordable due to sweeping changes by America’s largest mortgage enterprises.  Housing Finance 2020 introduces a new vocabulary of buying-power options such as sweat equity, soft seconds, and forgivable down payment assistant loans.

English and Spanish editions on sale now!




Anna's Latest Post

Consider buying a home with an “accessory apartment” to help pay your mortgage

Commonly known as “in-law” or “mother-daughter” units, accessory apartments are small living spaces within a single-family home that are rented out. In the past, rental income on apartments within a single-family home could not be counted as qualifying income for a mortgage. The newest programs from Fannie Mae and Freddie…

Homebuyer Grants and Down Payment Assistance – Show Me the Money!

Housing industry studies have shown that the number one barrier to buying a home is the lack of down payment funds. Interest rates are at their lowest in years, and home prices keep rising. Down payment assistance can make a difference between buying a home how– or  waiting years. Across…

Energy-efficient homes can boost buying power

Here’s another advantage to installing energy improvements in your home. Not only are you helping the environment and saving money, you can boost your loan affordability. Many conventional and government-insured mortgage programs allow debt-to-income (DTI) ratios to expand by two percentage points for borrowers who install energy-efficient features in their…

Short on cash to buy a home? Roll up your sleeves, and use sweat equity as a down payment.

“Sweat equity,” is a form of investment that replaces cash toward the down payment on a home. The amount of sweat equity is based on the buyer’s contribution of labor, plus reimbursement of any materials purchased. If you have the chance to buy a “fixer-upper,” you can cover all–or part…

Why wait to find your dream house, when you can get a dream mortgage right now.

Mortgage interest rates have been dropping, and currently hovering at 3 ½ percent. Over the past 12 months, the overall rate decline for 30-year fixed rate loans has reached one percent. There are many people who are financially qualified to make a purchase, but just can’t seem to find the…

Save 20% on print or e-books! See special code.

As an introductory special and a thank you for visiting my website, you can save 20% of the purchase of any purchase at BookBaby bookshop. Follow the “where to buy” links on this site.  Select “BookBaby” and at checkout: For Housing Finance 2020, use the code 2020E. For Hipoteca 2020,…