Home Is Where The Hummingbird Lives: Surviving Homeownership - Monteroso, Sophia
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For the average person interested in owning a home, the legal and financial considerations can be a confusing maze. The banking industry has been taking advantage of this to prey on consumers, increasing their own profits at our expense. In this empowering memoir, a single mother relates how her personal battle to keep her home turned into a moral mission to take a stand against predatory lending practices. For years, Sophia Monteroso fought against the banking system, making mistakes and learning inside details of the mortgage market along the way. Though housing is a universal need, the…mehr

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Produktbeschreibung
For the average person interested in owning a home, the legal and financial considerations can be a confusing maze. The banking industry has been taking advantage of this to prey on consumers, increasing their own profits at our expense. In this empowering memoir, a single mother relates how her personal battle to keep her home turned into a moral mission to take a stand against predatory lending practices. For years, Sophia Monteroso fought against the banking system, making mistakes and learning inside details of the mortgage market along the way. Though housing is a universal need, the challenges facing middle class homeowners are only growing. Monteroso saw how homeowners were at a disadvantage in the court system. Her fight became about setting new case precedent in order to stop banking transgressions from hurting American families. It became about doing her part to make sure the housing crisis of 2008 can't happen again. This edifying story holds critical advice for first-time buyers and long-term homeowners alike. Major banks have become greedy behemoths, and something must change. It is the small against the mighty, but by banding together we can take back our homes-and our futures.
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Autorenporträt
Sophia Monteroso holds an undergraduate degree in biology from San Diego State University, to which she was fortunate to receive a scholarship. After struggling with corporations' lack of environmental responsibility, Monteroso attended graduate school. She received an AS degree in publishing and multimedia from Cabrillo College and a master's in scientific illustration. She's been a self-employed businesswoman since 1998. Her business experience provided her with the confidence and knowledge to go head-to-head with Wells Fargo in her home-loan-modification case. Many Americans fell victim to banking schemes, and Monteroso was determined to fight, to be a mighty hummingbird warrior who will never give in. She had to become her own legal expert, but she vowed to see the fight through to the end. Based on her firm belief in the importance of a thriving middle class, she wrote about her trials to help other homeowners.