Thursday, March 25, 2021

Home Is Where The Hummingbird Lives: Surviving Homeownership



Home Is Where The Hummingbird Lives: Surviving Homeownership 1st Edition

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.

Product Details

  • Publisher : Serendipity Circulate; 1st edition (November 9, 2016)
  • Language : English
  • Paperback : 390 pages
  • ISBN-10 : 0998743607
  • ISBN-13 : 978-0998743608
  • Item Weight : 15.8 ounces
  • Dimensions : 5.5 x 0.88 x 8.5 inches

About the Author

Sophia obtained degrees in the fields of science, publishing, and illustration. In 1998, after a work injury, she went into the less ventured world as an entrepreneur. Sophia had a small business focusing on graphic design, technical editing, marketing, and communications. Real estate investing has become a passion.

Named after both of her grandmothers, Sophia Louise Monteroso, meaning Wise Red Mountains. The name Louise is a French name that holds the meaning—famous warrior and renowned fighter. Sophia has learned that by facing her fears and taking on new challenges, life has taken her to new levels of happiness. She takes pride in where she came from, the mentors who have blessed her life, and where her path is leading her.

This is Sophia’s first book. The sharp vicissitudes of fortune faced with single motherhood, the economic crisis of 2008, an inflated mortgage, and physical injury led her to put her story to paper. As a means of demonstrating the immense effectuation bank industry misconduct had on the people of this country, she has included other middle-class American stories of homeownership, struggle, and hardship.


Top Reviews from the United States

Reviewed in the United States on March 12, 2021
Verified Purchase
Sophia Monteroso has a handle on the technical aspects of the financial system in a manner that makes complex material simple to understand. Her explanations of the mortgage market, key players, and systems involved are simple, straightforward, and very useful. As a result, I gained a better knowledge of the housing crisis.
Reviewed in the United States on February 1, 2021
I just finished HOME IS WHERE THE HUMMINGBIRD LIVES. I must say it was an exhausting read staying up with Sophia in her extended adventure. Reading it reminded me of somebody navigating through a minefield, where you never knew when something would blow up in your face.

I would first like to compliment her on her writing abilities. If this is Sophia’s first book, she shows surprising professionalism. Perhaps she should consider a career in writing even though the publication industry is in a huge decline.

Sophia deserves high compliments for hanging in there throughout her multi-year ordeal. I am particularly amazed at how she was able to finance all of the attorney fees, bond fees, and court costs to keep the game going. But I also think that only a small percentage of the working public would have been able to do what Sophia did.

I compliment her on her courage for being willing to crawl through the minefield and her keen intelligence in being able to learn and absorb all of the legal terms and rules on the run.

Reviewed in the United States on May 2, 2020
After the second read of this inspiring book I realized just what a powerhouse my friend Sophie is. To take on banks and go up against the big guys, she held steadfast to her truth and won! Such a courageous story of living your dream and not accepting anything less! I am so grateful for the Insight this book offers along with personal antidotes of storytelling it's a great read ,and valuable book to have on your shelf. I took much advice offered in this book .

Love you Sophie! Home is truly where the Heart and Hummingbird live, and inside the beautiful song of friends like you.

Reviewed in the United States on December 4, 2020
This book is a must read for anyone embarking on homeownership. Forewarned is forearmed, and Sophia Monteroso does an amazing job of educating us by sharing her past in a way that is personal, humorous and relatable. She gives the reader valuable information and guidance based on her personal experience. Sophia brings us with her on her emotional and arduous journey as she takes on (and wins!!!) one of the biggest banks in the world, Wells Fargo. This is a true David & Goliath story. It is a story of strength and persistence, a story of never giving up and staying true to yourself in the face of overwhelming odds. The banks (real estate agents, lawyers, etc.) are not on your side. Sophia illustrates, with great clarity, the need for all of us to be our own advocates. She is a fighter and an inspiration. Again, I think this book is a must read!

Reviewed in the United States on September 6, 2020
In these tumultuous times, more than ever, Home is Where the Hummingbird Lives provides readers and homeowners with valuable insight as they navigate the world of homeownership and face the government-subsidized power of big banks. Sophia tells her brave story and weaves in those of others to offer encouragement and practical advice for those seeking to buy a home or simply attempting to keep what is theirs. We learn of their struggles and mistakes and take away valuable lessons. With a world in pandemic, homeownership is more tenuous than ever and everyday citizens need to understand their rights and their power, even in the face of monster banks like Wells Fargo. Join Sophia on her journey for an uplifting story of bravery and learning. Power to the peaceful.
Reviewed in the United States on May 11, 2019
Sophia Monteroso takes readers through her tenacious battle to save her beloved home. She recounts her story in a way that invites us into her life; both through her home ownership struggles, and through personal reflections that give us a glimpse into her past . Her open, honest and humorous writing style make this book, full of practical real estate and bank loan shenanigans, one that not only informs, but entertains. Her story is interlaced with home ownership accounts from others, through which she further educates her readers. The variety of experiences, some with happy endings and others not, remind us that owning your own home is a common dream. Sophia’s incredible personal journey is one that will make you feel her struggle, one that shows how hard she fought, sometimes on her own, and one that will teach you to think carefully about real estate.