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Book details
  • SubGenre:Real Estate / Mortgages
  • Language:English
  • Pages:300
  • eBook ISBN:9781543974386
  • Paperback ISBN:9780578209913

Housing Finance 2020

by Anna DeSimone

View author's profile page

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Save 20% on your purchase!

At checkout, use Code 2020E for paperback 

Housing Finance 2020 explains the newest mortgage programs, and recent enhancements made to boost homeownership affordability. Packed with infographics and clear illustrations, readers will learn how to estimate qualified loan potential, and exactly what steps and verification documents are required by lenders for each type of mortgage program.  Step-by-step instructions for completing the loan application are included, along with document checklists and a detailed timeline.  


You'll learn all about credit score requirements, and what debts are counted toward in loan qualification.  Illustrative scenarios explain zero-down payments, how to finance closing costs or home renovations.  The mystery of credit scores are explained, along with instructions to boost your credit profile. Income verification is explained for self-employed borrowers and other types of non-salaried income. 


You'll understand how mortgages work, how equity grows in your home over time, and all the qualifying rules for conventional, FHA, VA, rural housing, manufactured housing, Native American, reverse mortgages, construction, renovation, and energy-efficient mortgages.




  • Ten ways to cover your down payment
  • Cash-saving opportunities for homebuyers
  • Safe and secure mortgages - consumer protection laws
  • New additions to qualifying income
  • New subtractions from debts
  • Credit scores and reports
  • Qualifying for a mortgage
  • Submitting the loan application 
  • How to navigate housing agency eligibility flash maps
  • Construction and renovation mortgages
  • Energy-efficient mortgages
  • Conventional, FHA, and VA mortgages
  • USDA Rural Housing
  • USDA Self-help - build your own home
  • Manufactured housing
  • HUD's Good Neighbor Next Door program
  • Native American mortgages
  • Reverse mortgages for seniors
About the author

Anna DeSimone is an award-winning author and consultant in housing finance. She has authored more than 40 professional guidebooks and over 600 articles on the topics of fair lending, mortgage best practices, and consumer compliance. She is founder of Bankers Advisory, a mortgage quality control and compliance audit services company.

Visit Anna's blog or view helpful videos on www.annadesimone.net

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