The book
Antes de Decidir.
"When No One Taught You How to Prepare" — the honest guide on financial education, credit preparation, and the right mindset before buying property.
Available on Amazon · Kindle + Paperback
The book that would have saved you years of mistakes.
By Annelis Ortiz — Mortgage Loan Originator at NEXA Lending (NMLS #2006182) and financial guide to 197+ Hispanic families through the US home-buying process.
There is an uncomfortable moment almost all of us face: signing something important without fully understanding what it means. When it comes to a mortgage or a property, that moment can cost you decades.
This book grew out of the conversations I have every day with families who arrive too late — and from those who arrive on time and change everything. If no one taught you how to prepare, this is what you needed to read first.
Spanish edition · Kindle and paperback · Prime shipping available
Frequently asked questions
What people ask most.
Who is this book for?
For people and families considering buying property in the United States for the first time, refinancing, or entering real estate investing — and who want to understand the process BEFORE signing.
Do I need credit or savings to start reading it?
No. The book is designed to start from zero: how to organize your credit, how to prepare your finances, and what to do in the months before house hunting — even if you do not qualify today.
Is it in Spanish?
Yes. The book is written in Spanish, focused on the reality of the Hispanic community in the United States and Latin America. An English edition is being considered.
Where can I get it?
Available on Amazon in Kindle and paperback. Click "Buy on Amazon" above, or search for "Antes de Decidir" by Annelis Ortiz on amazon.com.