Discover A Comprehensive Guide to Non-Qualified Mortgages: A Second Edition of An Insider's Guide to Non-QM by Fernando Zoota.
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Fernando Zoota is the author of several novels. Originally from the East Coast, they now live in the Midwest with family. In addition to writing, Fernando Zoota enjoys gardening, cooking, and reading way past bedtime. Their work often explores the complexities of everyday life and human relationships.
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Mary GarciaMay 01, 2025
Took me a few chapters to get into it, but it was worth it. It held my attention, even if a few things were a little predictable. Not bad at all.
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Patricia JacksonJune 20, 2025
I was pleasantly surprised. I loved how the story unfolded. It kept me guessing without being too confusing. Worth the time and money.
Stephanie LeeApril 23, 2025
I was pleasantly surprised. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Donna AllenMay 23, 2025
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Would probably read it again at some point.
Daniel KingJanuary 25, 2025
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Mark JacksonMay 29, 2025
Pretty good overall. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Still a good book.
Cynthia ParkerApril 09, 2024
A solid read. The middle dragged a tiny bit, but the ending totally made up for it. Still a good book.
Sandra GreenSeptember 10, 2024
A solid read. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. A solid 4 stars from me.
Robert EdwardsFebruary 22, 2025
A very satisfying read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
Lisa MartinezJuly 13, 2024
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
John GarciaNovember 28, 2025
Honestly one of the better books I've read lately. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
Andrew PhillipsApril 21, 2024
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Would probably read it again at some point.
David GomezJuly 08, 2024
Finished it in a couple of days. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Would probably read it again at some point.
Steven ScottMarch 15, 2024
It was just alright. It felt a bit repetitive in the middle. Could have been shorter. Might work better for someone else, just wasn't completely for me.
Kimberly PerezFebruary 17, 2024
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Patricia ScottAugust 25, 2024
Good, but not quite perfect. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Enjoyable weekend read.
Andrew PhillipsJuly 01, 2025
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Would probably read it again at some point.
Susan DiazDecember 11, 2024
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
Daniel TurnerDecember 06, 2024
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
Sarah FloresAugust 28, 2024
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
Brian ThompsonMarch 25, 2025
A solid read. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. A solid 4 stars from me.
Richard GarciaNovember 20, 2024
Really enjoyed this one. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Definitely recommend it if you like this genre.
Mark YoungJanuary 17, 2025
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Jacob ScottApril 13, 2024
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Stephanie ClarkMarch 26, 2025
Good, but not quite perfect. Interesting premise and executed fairly well. Just a few slow chapters here and there. Not bad at all.
Ashley GreenJuly 18, 2025
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
Susan WilliamsNovember 10, 2025
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Amanda RodriguezFebruary 25, 2024
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Ashley GreenJuly 26, 2025
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. Enjoyable weekend read.
Dorothy CarterOctober 06, 2024
I liked it for the most part. I liked the main character, though some of the side plots were just okay. Still a good book.
Stephanie ClarkJune 10, 2025
Pretty good overall. It held my attention, even if a few things were a little predictable. Enjoyable weekend read.
Richard MooreAugust 02, 2025
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. Would probably read it again at some point.
Gary WilliamsJune 20, 2025
An average read for me. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. It's fine if you have nothing else to read.
Mary TurnerAugust 27, 2024
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
Thomas BrownMarch 04, 2025
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Deborah AndersonMarch 01, 2024
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. Not bad at all.
David PerezMarch 24, 2025
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
Christopher BakerJanuary 01, 2024
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Sarah WilliamsFebruary 21, 2025
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
Jessica MitchellFebruary 27, 2024
I liked it for the most part. The middle dragged a tiny bit, but the ending totally made up for it. Not bad at all.
Michael ClarkApril 16, 2025
I liked it for the most part. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. I'd probably recommend it to a friend.
Stephanie ClarkMay 20, 2024
A very satisfying read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Matthew CollinsFebruary 24, 2024
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Sandra CruzNovember 08, 2025
Really enjoyed this one. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
Emily CarterJune 10, 2025
Such a great read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
James LewisOctober 09, 2024
I was pleasantly surprised. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Betty ThompsonOctober 17, 2025
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
Patricia LopezSeptember 12, 2024
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. Definitely recommend it if you like this genre.
George EdwardsJuly 23, 2025
Honestly one of the better books I've read lately. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
Jacob BrownMay 26, 2025
Good, but not quite perfect. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
Joshua CarterMarch 25, 2025
Really enjoyed this one. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Donna RobinsonMarch 02, 2025
A solid read. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
Anthony PhillipsMarch 17, 2024
A solid read. It held my attention, even if a few things were a little predictable. Still a good book.
Ashley HarrisSeptember 18, 2025
Such a great read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Michael RobertsFebruary 23, 2024
Really enjoyed this one. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
Kevin AndersonSeptember 05, 2024
A solid read. The middle dragged a tiny bit, but the ending totally made up for it. A solid 4 stars from me.
Daniel GomezDecember 07, 2024
Glad someone recommended this to me. I got really invested in the main character's journey. Everything just clicked for me. Would probably read it again at some point.
Michelle KingSeptember 19, 2025
Pretty good overall. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
Joshua TaylorJuly 15, 2025
A very satisfying read. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Laura ParkerJune 28, 2024
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. A solid 4 stars from me.
Donna MartinezJune 14, 2025
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Margaret HillJune 03, 2025
Pretty good overall. It held my attention, even if a few things were a little predictable. Enjoyable weekend read.
Robert EdwardsJanuary 16, 2025
A solid read. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Not bad at all.
Mark GonzalezApril 13, 2025
I liked it for the most part. I liked the main character, though some of the side plots were just okay. Still a good book.
Mary LeeJune 21, 2025
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. A solid 5/5 for me.
Betty RobertsFebruary 16, 2024
A very satisfying read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Joshua CarterJune 26, 2024
Really enjoyed this one. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Mark YoungJune 23, 2024
Pretty good overall. Interesting premise and executed fairly well. Just a few slow chapters here and there. A solid 4 stars from me.
Jacob WhiteMarch 12, 2024
I have mixed feelings about this one. Some parts were interesting, while others were a bit of a slog to get through. Might work better for someone else, just wasn't completely for me.
Laura ParkerAugust 25, 2024
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. A solid 5/5 for me.
Christopher AllenMay 04, 2024
Finished it in a couple of days. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Kimberly PerezMarch 21, 2025
I was pleasantly surprised. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Kenneth EdwardsNovember 05, 2024
A solid read. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
John GarciaNovember 08, 2024
An average read for me. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. Might work better for someone else, just wasn't completely for me.
Charles TorresOctober 10, 2025
Took me a few chapters to get into it, but it was worth it. It held my attention, even if a few things were a little predictable. Not bad at all.
Kimberly TorresNovember 02, 2024
Took me a few chapters to get into it, but it was worth it. It held my attention, even if a few things were a little predictable. Enjoyable weekend read.
Andrew JohnsonFebruary 18, 2024
Such a great read. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
Elizabeth RamirezDecember 07, 2024
Good, but not quite perfect. The middle dragged a tiny bit, but the ending totally made up for it. Still a good book.
Matthew WhiteAugust 09, 2025
Finished it in a couple of days. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Ashley HarrisJanuary 23, 2024
A solid read. The middle dragged a tiny bit, but the ending totally made up for it. I'd probably recommend it to a friend.
Joshua LewisFebruary 19, 2025
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Glad I picked this up.
Brian LeeApril 10, 2024
A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Charles GreenDecember 29, 2024
Glad someone recommended this to me. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Will be looking for more from this author.
Carol ParkerAugust 13, 2024
Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Definitely recommend it if you like this genre.
Betty TaylorJuly 23, 2025
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. Enjoyable weekend read.
Michael WalkerJuly 16, 2025
Such a great read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Karen HernandezMay 12, 2025
Took me a few chapters to get into it, but it was worth it. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
Thomas WalkerAugust 15, 2024
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Rebecca TurnerApril 11, 2024
Such a great read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Would probably read it again at some point.
Lisa MartinDecember 30, 2024
Not bad, but not my favorite. Some parts were interesting, while others were a bit of a slog to get through. A generous 3 stars.
Joshua SmithDecember 03, 2024
Honestly one of the better books I've read lately. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Deborah TurnerMarch 11, 2024
Honestly one of the better books I've read lately. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Daniel LewisJuly 29, 2025
Finished it in a couple of days. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
Brian CampbellJune 08, 2024
I liked it for the most part. I liked the main character, though some of the side plots were just okay. A solid 4 stars from me.
Eric HarrisNovember 04, 2025
Honestly one of the better books I've read lately. I got really invested in the main character's journey. Everything just clicked for me. Glad I picked this up.
Eric CollinsApril 30, 2024
It was just alright. It had some good moments, but the overall plot felt a bit disjointed in the second half. Probably won't read it again, but it was an okay way to pass the time.
Sarah GarciaSeptember 17, 2024
Took me a few chapters to get into it, but it was worth it. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Enjoyable weekend read.
Rebecca TurnerJuly 20, 2025
Took me a few chapters to get into it, but it was worth it. The middle dragged a tiny bit, but the ending totally made up for it. A solid 4 stars from me.
Steven MartinMay 28, 2024
A very satisfying read. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Sandra CruzJuly 19, 2024
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Will be looking for more from this author.
Michael ClarkOctober 10, 2025
Good, but not quite perfect. I liked the main character, though some of the side plots were just okay. A solid 4 stars from me.
Brian TorresJuly 13, 2024
Good, but not quite perfect. The middle dragged a tiny bit, but the ending totally made up for it. Still a good book.
Margaret TurnerMay 25, 2024
Glad someone recommended this to me. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Linda JacksonAugust 21, 2024
Glad someone recommended this to me. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Susan CollinsNovember 18, 2025
Finished it in a couple of days. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Worth the time and money.
Carol ParkerFebruary 26, 2025
Glad someone recommended this to me. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Sandra ThomasAugust 16, 2024
A solid read. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. A solid 4 stars from me.
Mary TurnerJanuary 21, 2025
Good, but not quite perfect. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. Enjoyable weekend read.
Amanda HallOctober 27, 2024
I was pleasantly surprised. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Barbara RamirezDecember 03, 2024
Really enjoyed this one. I loved how the story unfolded. It kept me guessing without being too confusing. Glad I picked this up.
Mary ThompsonJanuary 27, 2025
Finished it in a couple of days. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Will be looking for more from this author.
Susan DiazSeptember 10, 2025
An average read for me. Some parts were interesting, while others were a bit of a slog to get through. A generous 3 stars.
James RobinsonJanuary 12, 2024
Such a great read. I got really invested in the main character's journey. Everything just clicked for me. Would probably read it again at some point.
Steven MartinAugust 13, 2025
Not bad, but not my favorite. It felt a bit repetitive in the middle. Could have been shorter. A generous 3 stars.
Gary RobertsDecember 20, 2024
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Will be looking for more from this author.
John WhiteAugust 01, 2024
Really enjoyed this one. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Charles CarterSeptember 05, 2025
Honestly one of the better books I've read lately. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Definitely recommend it if you like this genre.
Patricia EvansJune 24, 2025
Finished it in a couple of days. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Would probably read it again at some point.
Michael RamirezMay 04, 2025
I was pleasantly surprised. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Definitely recommend it if you like this genre.
Rebecca KingNovember 30, 2024
A very satisfying read. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. A solid 5/5 for me.
Matthew MartinNovember 16, 2025
I liked it for the most part. I liked the main character, though some of the side plots were just okay. A solid 4 stars from me.
Amanda TurnerJuly 23, 2024
Honestly one of the better books I've read lately. I loved how the story unfolded. It kept me guessing without being too confusing. Would probably read it again at some point.
Christopher RobertsJuly 18, 2025
I was pleasantly surprised. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. A solid 5/5 for me.
Paul LopezJuly 21, 2024
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. Still a good book.
Sharon NguyenApril 06, 2024
Not bad, but not my favorite. The writing was fine, but I didn't feel very connected to the characters. They felt a bit flat. Might work better for someone else, just wasn't completely for me.
Joshua TorresJanuary 18, 2025
Pretty good overall. The middle dragged a tiny bit, but the ending totally made up for it. A solid 4 stars from me.
Donna WilliamsDecember 06, 2024
It was okay. It felt a bit repetitive in the middle. Could have been shorter. A generous 3 stars.
Dorothy TaylorJune 14, 2025
I was pleasantly surprised. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Worth the time and money.
Gary EdwardsNovember 24, 2024
Honestly one of the better books I've read lately. The writing style is very engaging. It’s easy to follow but still has a lot of depth. Glad I picked this up.
Kevin ThomasNovember 02, 2025
Took me a few chapters to get into it, but it was worth it. I liked the main character, though some of the side plots were just okay. Still a good book.
Kenneth RobertsMay 23, 2024
Honestly one of the better books I've read lately. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Emily WalkerOctober 11, 2024
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. Not bad at all.
Margaret NguyenMarch 30, 2024
Honestly one of the better books I've read lately. The pacing was spot on and the characters felt real. I didn't find myself getting bored at any point. Would probably read it again at some point.
Melissa LopezNovember 15, 2025
Good, but not quite perfect. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
Joshua AndersonDecember 19, 2024
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. Will be looking for more from this author.
Karen AllenDecember 20, 2024
I was pleasantly surprised. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
Joseph TaylorDecember 13, 2025
Really enjoyed this one. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Charles AllenNovember 03, 2024
Took me a few chapters to get into it, but it was worth it. Interesting premise and executed fairly well. Just a few slow chapters here and there. Still a good book.
Deborah BrownAugust 19, 2025
An average read for me. Some parts were interesting, while others were a bit of a slog to get through. Probably won't read it again, but it was an okay way to pass the time.
Jessica PhillipsOctober 11, 2024
Such a great read. I loved how the story unfolded. It kept me guessing without being too confusing. A solid 5/5 for me.
Margaret ReyesSeptember 18, 2024
I liked it for the most part. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. I'd probably recommend it to a friend.
Emily GomezApril 29, 2025
A solid read. It held my attention, even if a few things were a little predictable. I'd probably recommend it to a friend.
Mary WalkerJanuary 28, 2024
Pretty good overall. Writing is good, just wish there was a bit more depth in certain parts. Still kept my attention though. A solid 4 stars from me.
Joshua SmithMay 14, 2025
A very satisfying read. It has a good balance of dialogue and description. Everything felt like it moved at the right speed. Glad I picked this up.
Barbara HarrisMay 01, 2025
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. A solid 5/5 for me.
Nicholas TaylorNovember 13, 2025
I was pleasantly surprised. I got really invested in the main character's journey. Everything just clicked for me. Worth the time and money.
Mark GonzalezSeptember 24, 2024
I was pleasantly surprised. I got really invested in the main character's journey. Everything just clicked for me. A solid 5/5 for me.
Betty TaylorApril 20, 2025
Glad someone recommended this to me. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Glad I picked this up.
Ashley DiazDecember 25, 2024
A very satisfying read. The author did a great job wrapping everything up at the end. No weird plot holes left behind. Worth the time and money.
