{"title":"Anna Desimone","description":null,"products":[{"product_id":"housing-finance-2020-book-anna-desimone-9780578209913","title":"Housing Finance 2020","description":"Axiom Business Book Award Winner  Silver Winner of Axiom 2020 Award in Personal Finance, Retirement Planning and Investing.Housing Finance 2020 explains the newest mortgage programs and enhancements 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.Over 900 weblink to grants and down payment assistance are included.","brand":"WoB","offers":[{"title":"US \/ VERY_GOOD \/ SBYB","offer_id":49809405346065,"sku":"CIN0578209918VG","price":0.0,"currency_code":"GBP","in_stock":false}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0784\/4072\/6801\/files\/0578209918.jpg?v=1750943963"},{"product_id":"live-in-a-home-that-pays-you-back-book-anna-desimone-9781039123489","title":"Live in a Home that Pays You Back","description":"Featuring programs and resources for the U.S. and Canada \u003cbr\u003e\u003cbr\u003eAn authoritative and comprehensive overview of the benefits of energy-efficient homes. -Kirkus Reviews\u003cbr\u003e\u003cbr\u003e\u003cbr\u003eWhether you are planning to build, buy, or retrofit a home, this illuminating book takes you on a virtual tour of the home of the future. Award-winning author and respected housing expert Anna DeSimone lights the way for enjoying a home that is healthier, more comfortable, saves money, and reduces your carbon footprint.\u003cbr\u003e\u003cbr\u003eA practical reference guide that can be used for years to come, this book uncovers every part and parcel of the sustainable home, with clear explanations, helpful infographics, and hundreds of follow-up resources.\u003cbr\u003e\u003cbr\u003eAn eye-opening look at the health benefits of energy-efficient homes, trends in household energy use, and its effect on greenhouse gas emissions. Explains a home's true cost of homeownership after factoring lowered utility costs, enhanced property value, mortgage discounts, and other financial incentives. \u003cbr\u003e\u003cbr\u003eThe whole-house efficiency blueprint, chapter describes how things work, along with eco-friendly options for roofs, siding, insulation, doors, windows, lighting, appliances, water conservation, heating, cooling, ventilation, heat pumps, air- and heat-exchange systems, indoor air quality, and more. \u003cbr\u003e\u003cbr\u003eRenewable energy options covered include solar photovoltaic systems, wind energy, geothermal, hydro-electric power, and biomass. 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Explains construction for modular, manufactured, log and timber, and prefab home kits, along with photos of model homes. \u003cbr\u003e\u003cbr\u003eLearn how smart home technology helps monitor the health and safety of your family and pets. Important guidance about environmental toxins, biological pollutants, and non-toxic solutions. \u003cbr\u003e\u003cbr\u003eMortgage financing covers down payment assistance, nationwide energy-efficient mortgage programs, PACE financing, mortgage qualification guides, and how to roll the retrofit costs into the mortgage. Features programs for U.S. and Canada. \u003cbr\u003e\u003cbr\u003eComprehensive directory of rebates and incentives for all U.S. states and Canada provinces. 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Award-winning author Anna DeSimone explains all the ways that sustainably sourced, locally grown food is healthier, preserves farmland, and lowers your carbon footprint. \u003cp\u003e\u003c\/p\u003eLIVE IN AGRIHOOD, an eco-friendly, healthy-lifestyle community centered around a professionally managed farm. Discover why agrihoods are winning awards across the nation for best places to live. You can have a beautiful, sustainably built home with the latest energy conservation features, and yet be surrounded by pastoral landscapes and natural habitat. This book takes you through a virtual tour of agrihoods, known for amenities such as charter K-12 schools, clubhouses, fitness centers, boating, golf, horseback riding, swimming, walking, hiking, and biking trails. 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