WINNER OF AXIOM BUSINESS BOOKS AWARD. Silver medalist in Personal Finance, Retirement Planning and Investing. Hipoteca 2020 es una guĆa completa que explica los programas hipotecarios mĆ”s nuevos de la industria y las mejoras recientes que se han realizado para aumentar la asequibilidad. El autor presenta opciones de poder adquisitivo, como "equidad de sudor", renovaciones de bricolaje e hipotecas de bajo consumo. El primer capĆtulo, "Diez maneras de cubrir su pago inicial", explica los prĆ©stamos de cero por ciento, las segundas hipotecas blandas y los prĆ©stamos de asistencia para el pago inicial "perdonables". Los lectores aprenderĆ”n cĆ³mo estimar la asequibilidad de la hipoteca y cĆ³mo calcular sus ingresos calificados a partir del trabajo por cuenta propia y los salarios no asalariados en base a las pautas convencionales, FHA, VA y Vivienda Rural.AprenderĆ” sobre la FHA y el seguro hipotecario privado (PMI), los programas que requieren efectivo cero o mĆnimo, y las hipotecas "exageradas" donde tambiĆ©n puede financiar reparaciones del hogar y costos de cierre. Recientemente se han facilitado las normas de calificaciĆ³n para prĆ©stamos estudiantiles, pensiĆ³n alimenticia y otras deudas. Los tipos de ingresos elegibles se han ampliado, y ahora incluyen fuentes como alquileres de huĆ©spedes, ayudantes de salud y apartamentos accesorios en casas unifamiliares. AprenderĆ” todo sobre los informes de crĆ©dito y cĆ³mo crear su propio perfil de crĆ©dito si no tiene puntaje de crĆ©dito o historial mĆnimo. Repleto de infografĆas y comentarios claros, comprenderĆ” cĆ³mo funcionan las hipotecas y cĆ³mo la equidad en su hogar aumenta con el tiempo.El directorio de 50 estados enumera las subvenciones y asistencia para el pago inicial de agencias gubernamentales y sin fines de lucro locales. TambiĆ©n aprenderĆ” quĆ© servicios de apoyo estĆ”n disponibles en la comunidad que espera llamar hogar.ENGLISHHousing Finance 2020 is a comprehensive guidebook that explains the industry's newest mortgage programs, and recent enhancements that have been made to boost affordability. Also available in Spanish, the author introduces buying-power options, such as "sweat equity," do-it-yourself renovations, and energy-efficient mortgages. The first chapter, "Ten Ways to Cover Your Down Payment," explains zero-percent loans, soft second mortgages, and "forgivable" down payment assistance loans. Readers will learn how to estimate mortgage affordability, and how to compute their qualifying income from self-employment and non-salaried wages based on conventional, FHA, VA and Rural Housing guidelines.You'll learn about FHA and private mortgage insurance (PMI), programs requiring zero or minimal cash, and "over the top" mortgages where you can also finance home repairs and closing costs. Qualifying rules have recently been eased for student loans, alimony, and other debts. Eligible types of income have been expanded, and now include sources such as rent from boarders, health-care aides, and accessory apartments in single-family homes. You'll learn all about credit reports, and how to build your own credit profile if you have no credit score or minimal history. Packed with infographics and clear commentary, you'll understand how mortgages work, and how the equity in your home increases over time.The 50-state directory lists grants and down payment assistance from local nonprofit and government agencies. You'll also learn what support services are available in the community you hope to call home.
This book title, Hipoteca 2020 (Spanish Edition of Housing Finance 2020), ISBN: 9780578209920, by Anna DeSimone, published by BookBaby (September 2, 2019) is available in paperback. Our minimum order quantity is 25 copies. All standard bulk book orders ship FREE in the continental USA and delivered in 4-10 business days.
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