{"id":25395,"date":"2023-06-02T10:49:16","date_gmt":"2023-06-02T15:49:16","guid":{"rendered":"https:\/\/testbanksouthern-ada.aceone.io\/?p=25395"},"modified":"2023-10-20T09:48:32","modified_gmt":"2023-10-20T14:48:32","slug":"planificar-la-compra-de-una-vivienda","status":"publish","type":"post","link":"https:\/\/staging.banksouthern.com\/es\/planning-for-homeownership\/","title":{"rendered":"<strong>Planificar la compra de una vivienda<\/strong>"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Por: Charlestien Harris<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Junio se reconoce como <a rel=\"noreferrer noopener\" href=\"https:\/\/staging.banksouthern.com\/es\/propiedad-de-la-vivienda\/\" target=\"_blank\">Mes nacional de la vivienda propia<\/a>En este mes, celebraremos el valor que la propiedad de una vivienda aporta a las familias, las comunidades y los barrios de Estados Unidos. Durante este mes, voy a compartir informaci\u00f3n sobre el proceso de propiedad de vivienda y otros detalles importantes que los futuros propietarios deben tener en cuenta antes, durante y despu\u00e9s de comprar una casa. Como asesora de vivienda certificada por el HUD, puedo proporcionarle informaci\u00f3n y servicios beneficiosos que le ayudar\u00e1n a comprender mejor el proceso de compra de una vivienda.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">He aqu\u00ed algunas sugerencias que debe tener en cuenta antes de empezar <a href=\"https:\/\/staging.banksouthern.com\/es\/prestamo-personal\/#home\">compras<\/a> tu nuevo hogar:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">1. <strong>Conoce tus n\u00fameros.<\/strong><br>Before considering purchasing a home, it's crucial to be aware of important numbers. Understand how much house you can afford, the current mortgage rates, your credit score, and the amount available for down payment or closing costs. These fundamental numbers are directly linked to the initial steps of buying a house. Your credit score is also significant as it can determine the interest you'll pay on the loan or the type of loan product offered during the initial process.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">2. <strong>Asista a un curso de formaci\u00f3n para compradores de vivienda.<\/strong><br>Este paso es esencial en el proceso de compra de una vivienda. La clase abarca diversa informaci\u00f3n en un breve espacio de tiempo y puede ser exigida por el prestamista para cerrar el pr\u00e9stamo. Abarca temas como la asequibilidad, la cumplimentaci\u00f3n de la solicitud de pr\u00e9stamo, los requisitos del seguro, la comprensi\u00f3n del cr\u00e9dito, la gesti\u00f3n del dinero y la obtenci\u00f3n de una hipoteca. Recomiendo inscribirse en esta clase antes de acercarse a un prestamista, ya que estar bien preparado le ayudar\u00e1 a hacer preguntas importantes y evitar errores que podr\u00edan costarle m\u00e1s tarde.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">3. <strong>Conozca los distintos tipos de productos de pr\u00e9stamo.<\/strong><br>There are numerous loan products available to potential homeowners, so it's important to conduct research to find the right one for you. Here's a short list with brief descriptions of each:<\/p>\n\n\n\n<ul class=\"wp-block-list\" start=\"1\">\n<li><strong>Pr\u00e9stamo convencional<\/strong> - Ideal for borrowers with a good credit score.<\/li>\n\n\n\n<li><strong style=\"font-size: revert;\">Pr\u00e9stamo Jumbo<\/strong><span style=\"font-size: revert;\"> - Best for borrowers with excellent credit looking to buy an expensive home.<\/span><\/li>\n\n\n\n<li><strong style=\"font-size: revert;\">Pr\u00e9stamo garantizado por el Estado<\/strong><span style=\"font-size: revert;\"> - Suitable for borrowers with lower credit scores and minimal cash for a down payment.<\/span><\/li>\n\n\n\n<li><strong style=\"font-size: revert;\">Hipoteca a tipo fijo<\/strong><span style=\"font-size: revert;\"> - Recommended for borrowers who prefer a predictable, set monthly payment throughout the loan.<\/span><\/li>\n\n\n\n<li><strong>Hipoteca a tipo variable<\/strong> - Ideal for borrowers who don't plan to stay in the home for an extended period, prefer lower short-term payments, and are comfortable with potential future payment increases.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">4. <strong>Disponga de un plan de gesti\u00f3n del dinero.<\/strong><br>Como <a href=\"https:\/\/staging.banksouthern.com\/es\/blog\/matrimonio-y-dinero-en-mayo\/\">futuro propietario<\/a>, it's crucial to know how much money you have to set aside for purchasing your new home. Understand your current household income and expenses dedicated to existing bills. Tracking your spending for at least two weeks can help identify any leaks or patterns that could affect your budget. This process will assist in determining how much house you can afford.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">5. <strong>Trabaje en su cr\u00e9dito si tiene alg\u00fan problema.<\/strong><br>If you're aware of having less-than-stellar credit, seek help from a <a href=\"https:\/\/staging.banksouthern.com\/es\/educacion-financiera\/#housing\">Asesor de vivienda certificado por el HUD<\/a>. Estamos certificados por la agencia federal de Vivienda y Desarrollo Urbano y podemos ayudarle durante todo el proceso de compra de una casa. Trabajar en su cr\u00e9dito antes de solicitar el pr\u00e9stamo puede ahorrarle tiempo y dinero. Su puntuaci\u00f3n crediticia influir\u00e1 en el tipo de inter\u00e9s y en la aprobaci\u00f3n del pr\u00e9stamo. Tambi\u00e9n le da la oportunidad de pagar la deuda o aumentar su puntuaci\u00f3n a un nivel aprobado.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">6. <strong>Paga o amortiza el exceso de deuda.<\/strong><br>La carga de la deuda puede afectar negativamente a la calificaci\u00f3n de su pr\u00e9stamo. Tomarse el tiempo necesario para pagar o reducir <a href=\"https:\/\/staging.banksouthern.com\/es\/blog\/como-liberarse-de-las-deudas-en-2023\/\">su deuda actual<\/a> puede mejorar su ratio deuda-ingresos. Cada producto de pr\u00e9stamo tiene un ratio espec\u00edfico que determina la cualificaci\u00f3n. Una vez que disponga de dinero extra en su presupuesto, empiece a pagar o saldar las deudas existentes. Esta medida puede mejorar potencialmente la aprobaci\u00f3n de su pr\u00e9stamo. Afronte los cobros de deudas que aparezcan en su informe crediticio, ya que pueden interferir en el proceso de solicitud del pr\u00e9stamo.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These are just a few of the issues you may face while planning to become a homeowner. Purchasing a new home is one of the biggest investments in your lifetime. Before you start shopping for the right home, you'll likely need to explore mortgage options and consider the topics mentioned above.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">It's important to note that not all home loans are the same, and conducting research beforehand can help you select the most suitable option for your financial situation, potentially saving you money. Additionally, signing up for a homebuyer education class will provide you with an understanding of guidelines when you're financially ready to apply for a mortgage. Southern Bancorp has four HUD-Certified Housing Counselors <a href=\"https:\/\/staging.banksouthern.com\/es\/educacion-financiera\/#housing\">en plantilla<\/a>, dispuesto a ayudarle.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si necesita informaci\u00f3n adicional sobre este u otros temas financieros, puede ponerse en contacto conmigo en&nbsp;<a href=\"mailto:Charlestien.Harris@banksouthern.com\">Charlestien.Harris@banksouthern.com<\/a>&nbsp;o ll\u00e1meme al 662-624-5776.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hasta la semana que viene: \u00a1mant\u00e9ngase en forma desde el punto de vista financiero!<\/p>","protected":false},"excerpt":{"rendered":"<p>By: Charlestien Harris June is recognized as National Homeownership Month, celebrating the value that owning a home brings to families, communities, and neighborhoods across America. During this month, I will be sharing information about the process of homeownership and other important details that future homeowners should be aware of before, during, and after purchasing a [&hellip;]<\/p>\n","protected":false},"author":10237,"featured_media":25396,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,172,294],"tags":[211,276,197,277,275,171],"class_list":["post-25395","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-financial-fitness","category-homebuying","tag-financial-fitness","tag-homebuyer-counseling","tag-homeownership","tag-housing-counseling","tag-national-homeownership-month","tag-wealth-building"],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/25395","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/users\/10237"}],"replies":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/comments?post=25395"}],"version-history":[{"count":3,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/25395\/revisions"}],"predecessor-version":[{"id":25404,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/25395\/revisions\/25404"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media\/25396"}],"wp:attachment":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media?parent=25395"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/categories?post=25395"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/tags?post=25395"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}