{"id":25473,"date":"2023-06-09T09:20:12","date_gmt":"2023-06-09T14:20:12","guid":{"rendered":"https:\/\/testbanksouthern-ada.aceone.io\/?p=25473"},"modified":"2023-10-20T09:48:26","modified_gmt":"2023-10-20T14:48:26","slug":"conocer-los-prestamos-hipotecarios","status":"publish","type":"post","link":"https:\/\/staging.banksouthern.com\/es\/learning-about-home-mortgage-loans\/","title":{"rendered":"Informaci\u00f3n sobre pr\u00e9stamos hipotecarios<\/strong>"},"content":{"rendered":"

Por: Charlestien Harris<\/p>\n\n\n\n

En consonancia con el tema de Mes nacional de la vivienda propia<\/a>Quiero informar a mi audiencia sobre diversos aspectos de la propiedad de una vivienda. Esta semana hablar\u00e9 de los distintos tipos de pr\u00e9stamos disponibles para la compra de una vivienda.<\/p>\n\n\n\n

Owning a home is considered a milestone in one's lifetime, but it can be overwhelming if potential homeowners don't understand the available loan products. Gathering information before meeting with a lender will help you understand each loan product and decide which one is right for you. Here are some helpful questions to ask yourself regarding different types of home loans:<\/p>\n\n\n\n

    \n
  1. \u00bfQu\u00e9 tipo de pago inicial puede permitirse?<\/em><\/strong><\/li>\n\n\n\n
  2. \u00bfTiene derecho a alguna ayuda p\u00fablica?<\/em><\/strong><\/li>\n\n\n\n
  3. \u00bfEs usted un comprador primerizo?<\/em><\/strong><\/li>\n\n\n\n
  4. \u00bfEst\u00e1 pensando en una hipoteca a 15 o 30 a\u00f1os?<\/em><\/strong><\/li>\n\n\n\n
  5. \u00bfC\u00f3mo es su informe de cr\u00e9dito?<\/em><\/strong><\/li>\n<\/ol>\n\n\n\n

    A continuaci\u00f3n encontrar\u00e1 una breve lista de los diferentes productos de pr\u00e9stamo disponibles para la compra de una vivienda:<\/p>\n\n\n\n

    1. Pr\u00e9stamo hipotecario convencional:<\/strong> Las hipotecas convencionales son habituales entre los compradores de vivienda y no est\u00e1n aseguradas por entidades gubernamentales. Puede obtener una hipoteca convencional<\/a> a trav\u00e9s de prestamistas privados como bancos, compa\u00f1\u00edas hipotecarias, cooperativas de cr\u00e9dito u otras empresas privadas. Para poder optar a un pr\u00e9stamo convencional, normalmente se necesita un buen cr\u00e9dito, un historial laboral o unos ingresos estables y la capacidad de hacer un pago inicial, que suele oscilar entre el tres y el cinco por ciento. Un pago inicial del 20% puede ayudarle a evitar el seguro hipotecario privado.<\/p>\n\n\n\n

    2. Pr\u00e9stamo hipotecario FHA:<\/strong> Los pr\u00e9stamos de la FHA est\u00e1n respaldados por la Administraci\u00f3n Federal de la Vivienda y son adecuados para compradores con puntuaciones crediticias bajas que desean mantener bajos los pagos iniciales y los costes de cierre. Los pr\u00e9stamos FHA requieren un pago inicial m\u00ednimo del 3,5 por ciento y a menudo aceptan puntuaciones de cr\u00e9dito tan bajas como 580. Bancos y prestamistas<\/a> offer FHA loans due to the FHA's support, which provides less restrictive qualifications and down payment requirements. Only approved FHA lenders can offer these loans.<\/p>\n\n\n\n

    3. Pr\u00e9stamo hipotecario VA:<\/strong> The U.S. Department of Veteran Affairs assists servicemembers, veterans, and surviving spouses in buying homes. VA loans allow for little to no down payment, no private mortgage insurance, and generally offer competitive interest rates. Although the VA sets qualifying standards and loan terms, private lenders such as banks and mortgage companies provide the actual financing. VA loans can provide up to 100% financing on the home's value and can be used for purchase, construction, improvement, repair, or mortgage refinancing.<\/p>\n\n\n\n

    4. Hipoteca Buen Vecino:<\/strong> This unique mortgage program, offered by the U.S. Department of Housing and Urban Development (HUD), provides a 50 percent discount on the list price of a home. In return, the eligible buyer must commit to live in the property as their principal residence for 36 months. This program is targeted at law enforcement officers, pre-K to 12th-grade teachers, firefighters, and emergency medical technicians, offering discounts on homes in revitalized areas. To participate, you can check the listings for your state, follow the instructions to express interest in a specific home, and meet the program's requirements. HUD requires you to sign a second mortgage and note for the discount amount, which doesn't require interest or payments if you fulfill the three-year occupancy requirement. The availability of properties is limited, and the list of properties changes weekly.<\/p>\n\n\n\n

    <\/p>\n\n\n\n

    La compra de una vivienda es un paso importante que a menudo requiere amplios conocimientos para elegir el producto de pr\u00e9stamo hipotecario adecuado. Hay otras opciones disponibles, de las que hablar\u00e9 m\u00e1s adelante este mes.<\/p>\n\n\n\n

    Una forma de disipar los mitos y la informaci\u00f3n err\u00f3nea es visitando la agencia de asesoramiento m\u00e1s cercana aprobada por el HUD. Southern Bancorp Community Partners es una Agencia de asesoramiento aprobada por el HUD<\/a> con asesores formados que pueden ayudarle a entender el proceso de compra de una vivienda y proporcionarle herramientas para navegar por el territorio desconocido de la compra de una vivienda como comprador por primera vez. P\u00f3ngase en contacto con Sucursal de Southern Bancorp<\/a> para obtener informaci\u00f3n sobre c\u00f3mo acceder a un asesor de vivienda certificado por el HUD.<\/p>\n\n\n\n

    Para m\u00e1s informaci\u00f3n sobre este y otros temas financieros, no dude en enviarme un correo electr\u00f3nico a Charlestien.Harris@banksouthern.com<\/a> o ll\u00e1meme al 662-624-5776.<\/p>\n\n\n\n

    Hasta la semana que viene: \u00a1mant\u00e9ngase en forma desde el punto de vista financiero!<\/p>","protected":false},"excerpt":{"rendered":"

    By: Charlestien Harris In keeping with the theme of National Homeownership Month, I want to educate my audience about various aspects of homeownership. This week, I will discuss the different types of loans available when purchasing a home. Owning a home is considered a milestone in one’s lifetime, but it can be overwhelming if potential […]<\/p>\n","protected":false},"author":10237,"featured_media":25560,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,172,294],"tags":[211,279,280,197,278,275],"class_list":["post-25473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","category-financial-fitness","category-homebuying","tag-financial-fitness","tag-home-loan","tag-homebuying","tag-homeownership","tag-mortgage","tag-national-homeownership-month"],"acf":[],"_links":{"self":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/25473","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=25473"}],"version-history":[{"count":1,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/25473\/revisions"}],"predecessor-version":[{"id":25475,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/posts\/25473\/revisions\/25475"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media\/25560"}],"wp:attachment":[{"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/media?parent=25473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/categories?post=25473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/staging.banksouthern.com\/es\/wp-json\/wp\/v2\/tags?post=25473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}