{"id":4431,"date":"2024-03-04T10:00:00","date_gmt":"2024-03-04T15:00:00","guid":{"rendered":"https:\/\/patriotfcu.pixelspoke-staging.com\/?p=4431"},"modified":"2024-05-02T11:54:48","modified_gmt":"2024-05-02T15:54:48","slug":"respondiendo-a-sus-preguntas-sobre-compradores-de-vivienda-por-primera-vez","status":"publish","type":"post","link":"https:\/\/www.patriotfcu.org\/es\/blog\/answering-your-first-time-homebuyer-questions\/","title":{"rendered":"Respondiendo a sus preguntas sobre compradores de vivienda por primera vez"},"content":{"rendered":"<div class=\"co-flex_row co-flex_row__blog-post-hero\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<header class=\"single_post--header co-post_hero light co-page_hero__has_image\" aria-label=\"Encabezado de la publicaci\u00f3n:Respondiendo a sus preguntas sobre compradores de vivienda por primera vez\">\n\t\t<h1 class=\"single_post--title\">Respondiendo a sus preguntas sobre compradores de vivienda por primera vez<\/h1>\n\t\t<p class=\"single_post--category\"><a href=\"https:\/\/www.patriotfcu.org\/es\/blog\/category\/home-loans\/\" rel=\"category tag\">Pr\u00e9stamos Hipotecarios<\/a><\/p>\n\t\t<p class=\"single_post--date\">marzo 4, 2024<\/p>\n\t\t<div class=\"single_post--social-share\">Compartir en<div class=\"co-social_share a2a_kit a2a_default_style\">\n\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/answering-your-first-time-homebuyer-questions\/\"\n\t\t\tdata-sharetitle=\"Answering Your First-Time Homebuyer Questions\"\n\t\t\tdata-shareservice=\"facebook\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"17.738\" height=\"32.746\" viewbox=\"0 0 17.738 32.746\">\n  <path id=\"Path_690\" data-name=\"Path 690\" d=\"M89.242,351.968H83.868c-.59,0-1.269.715-1.269,1.787V356.4h6.648v6.648H82.6v15.013h-6.21V363.049h-4.88V356.4h4.88v-2.59c0-4.469,3.355-8.494,7.479-8.494h5.374Z\" transform=\"translate(-71.509 -345.317)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t\t\t<a\n\t\t\tclass=\"co-social--link\t\t\t\tjs-share_button\t\t\t\ttrusted\"\n\t\t\tdata-shareurl=\"https:\/\/www.patriotfcu.org\/es\/blog\/answering-your-first-time-homebuyer-questions\/\"\n\t\t\tdata-sharetitle=\"Answering Your First-Time Homebuyer Questions\"\n\t\t\tdata-shareservice=\"linkedin\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"29.324\" height=\"29.282\" viewbox=\"0 0 29.324 29.282\">\n  <path id=\"Path_689\" data-name=\"Path 689\" d=\"M496.424,377.52h-6.047V358h6.047Zm-3.048-22.078a3.6,3.6,0,1,1,3.571-3.632v.032a3.587,3.587,0,0,1-3.571,3.6m25.692,22.078h-6.012V367.272c0-2.81-1.069-4.379-3.29-4.379-2.421,0-3.681,1.635-3.681,4.379v10.248h-5.8V358h5.8v2.629a6.8,6.8,0,0,1,5.879-3.225c4.141,0,7.1,2.528,7.1,7.756Z\" transform=\"translate(-489.743 -348.239)\" fill=\"#2b6ea5\"\/>\n<\/svg>\n\t\t<\/a>\n\t\t<\/div><\/div>\n\t\t\t\t<div class=\"single_post--img_wrap\">\n\t\t\t<div class=\"single_post--img_wrap\"><img loading=\"lazy\" decoding=\"async\" width=\"1100\" height=\"721\" src=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Answering-Your-First-Time-Homebuyer-Questions.jpg\" class=\"attachment-full size-full\" alt=\"Alfombra &quot;Nuestro primer hogar&quot;\"  srcset=\"https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Answering-Your-First-Time-Homebuyer-Questions.jpg 1100w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Answering-Your-First-Time-Homebuyer-Questions-540x354.jpg 540w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Answering-Your-First-Time-Homebuyer-Questions-730x478.jpg 730w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Answering-Your-First-Time-Homebuyer-Questions-768x503.jpg 768w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Answering-Your-First-Time-Homebuyer-Questions-18x12.jpg 18w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Answering-Your-First-Time-Homebuyer-Questions-396x260.jpg 396w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Answering-Your-First-Time-Homebuyer-Questions-800x524.jpg 800w, https:\/\/www.patriotfcu.org\/wp-content\/uploads\/Blog-Post-Image-2-Recovered-Answering-Your-First-Time-Homebuyer-Questions-75x49.jpg 75w\" sizes=\"auto, (max-width: 1100px) 100vw, 1100px\" \/><\/div>\t\t<\/div>\n\t\t<p class=\"single_post--summary\">\n\t\t\tComprar una casa es probablemente la transacci\u00f3n financiera m\u00e1s importante que realizar\u00e1 en su vida. Si bien prepararse para comprar una casa es emocionante, es comprensible sentirse un poco abrumado (especialmente si se compra por primera vez). Respira hondo y rel\u00e1jate. Estamos aqu\u00ed para ayudarle a tranquilizarse mientras abordamos algunas de las preguntas m\u00e1s frecuentes entre los compradores de vivienda por primera vez.\t\t<\/p>\n\t<\/header><!-- .entry_header -->\n\t\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__long-form-text\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block co-long_form--block__nomedia prow items-start justify-center\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:8\">\n\t\t\t\t\t<div class=\"co-long_form--content\"><div class=\"fusion-text fusion-text-1\">\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00bfCu\u00e1nto pago inicial necesito?<\/strong><\/h2>\n<p>Un pago inicial es un porcentaje del precio total de compra, pagado por el comprador con sus fondos y el saldo restante generalmente se financia. El monto requerido para el pago inicial variar\u00e1 dependiendo del tipo de hipoteca que elijas. Aunque el monto del pago inicial recomendado es 20% para un pr\u00e9stamo convencional, hay varios otros programas hipotecarios disponibles con pagos iniciales m\u00ednimos que van desde 0% a 5%. Estos programas incluyen pr\u00e9stamos de la FHA y el USDA junto con otros pr\u00e9stamos para compradores de vivienda por primera vez. Busque los diferentes programas hipotecarios para los que califica para determinar qu\u00e9 tipo de pr\u00e9stamo funcionar\u00e1 mejor para usted.<\/p>\n<p>Aunque el pago inicial del 20% puede ser superior al m\u00ednimo requerido para su tipo de pr\u00e9stamo, a\u00fan tiene sus beneficios. Un pago inicial mayor le proporciona valor instant\u00e1neo de su vivienda y mayor poder adquisitivo. Adem\u00e1s, cuanto m\u00e1s pueda hacer para un pago inicial, m\u00e1s de su dinero se destinar\u00e1 al saldo principal del pr\u00e9stamo, lo que reducir\u00e1 el monto de sus pagos mensuales futuros.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00bfQu\u00e9 es el seguro hipotecario? \u00bfLo necesito?<\/strong><\/h2>\n<p>El seguro hipotecario privado (PMI) es una cobertura de seguro para su prestamista. Los protege en caso de que usted no cumpla con su pr\u00e9stamo hipotecario, lo que provocar\u00e1 que el prestamista ejecute la propiedad (y probablemente pierda dinero). Los prestamistas generalmente exigen un PMI si usted deposita menos de 20% en la vivienda.<\/p>\n<p>Tener un seguro hipotecario no es necesariamente negativo, ya que un pago inicial m\u00e1s bajo le permite convertirse en propietario de una vivienda sin tener que gastar tanto dinero en efectivo al momento del cierre. Incluso si puede permitirse el lujo de pagar el 20%, hay otras formas en que el dinero podr\u00eda ser m\u00e1s beneficioso para usted en su proceso de compra de una vivienda. Inevitablemente, algo saldr\u00e1 mal tarde o temprano, y tener fondos adicionales guardados para una emergencia puede salvarle la vida. Tambi\u00e9n podr\u00eda utilizar los fondos adicionales para reemplazar sistemas importantes, como HVAC, o realizar algunas remodelaciones. Trabaje con su prestamista y agente de bienes ra\u00edces para determinar d\u00f3nde su dinero funcionar\u00e1 m\u00e1s para usted.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00bfQu\u00e9 es una oferta en efectivo?<\/strong><\/h2>\n<p>Una oferta en efectivo significa que el comprador tiene la intenci\u00f3n de pagar la casa en su totalidad sin necesidad de financiaci\u00f3n externa de un prestamista. Eliminar un pr\u00e9stamo hipotecario de la ecuaci\u00f3n elimina posibles desaf\u00edos o retrasos al trabajar con un prestamista y puede acelerar considerablemente el cronograma de venta de la vivienda.<\/p>\n<p>Aunque una oferta en efectivo sin duda puede atraer a un vendedor, no es el \u201cboleto dorado\u201d para asegurar la compra de una vivienda. En una oferta en efectivo, no existen contingencias como ocurre con la estructura de un pr\u00e9stamo. Si decide optar por una oferta en efectivo, es fundamental contar con un agente inmobiliario y un prestamista de confianza en su equipo de compra de vivienda que pueda ayudarle a revisar y comprender los t\u00e9rminos del acuerdo.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00bfQu\u00e9 son los costos de cierre?<\/strong><\/h2>\n<p>Los costos de cierre son una de las barreras m\u00e1s importantes para comprar una vivienda, adem\u00e1s del pago inicial. Son honorarios relacionados con el cierre o compra de una propiedad. Los vendedores y compradores pagan diferentes costos de cierre. Por ejemplo, los costos de cierre del vendedor tienden a cubrir los honorarios del agente de bienes ra\u00edces, mientras que los costos del comprador se centran en el cierre real del trato. Ejemplos de costos de cierre relacionados con el comprador incluyen:<\/p>\n<ul>\n<li>Seguro de t\u00edtulo<\/li>\n<li>Inspecci\u00f3n de viviendas<\/li>\n<li>Tasaci\u00f3n de Vivienda<\/li>\n<li>Tarifas del prestamista<\/li>\n<li>Seguro de vivienda prepago<\/li>\n<li>Impuestos a la propiedad prepagos<\/li>\n<li>Costes legales<\/li>\n<\/ul>\n<p>Los costos de cierre var\u00edan seg\u00fan el estado; sin embargo, normalmente ascienden a entre 3% y 6% del precio de venta de la propiedad. Si estuviera comprando una casa de $200,000, podr\u00eda esperar que los costos de cierre estuvieran entre $6,000 y $12,000. Al igual que el pago inicial, este pago debe realizarse por adelantado al momento del cierre.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00bfQu\u00e9 sucede al cerrar?<\/strong><\/h2>\n<p>Cuando llegue a la fecha de cierre programada, se reunir\u00e1 con un agente de cierre, su agente de bienes ra\u00edces, el agente de bienes ra\u00edces del vendedor y posiblemente con el vendedor. El agente de cierre presentar\u00e1 varios documentos para que usted y el vendedor los firmen. Aunque el agente de cierre explicar\u00e1 brevemente cada documento, es aconsejable tomarse un tiempo para revisarlos y discutirlos con su agente de bienes ra\u00edces para asegurarse de que comprende exactamente lo que est\u00e1 firmando. Despu\u00e9s de todo, se compromete a pagar una inversi\u00f3n importante y a m\u00e1s largo plazo. Si alguna vez hubo un momento para estar seguro de lo que est\u00e1s firmando, es \u00e9ste.<\/p>\n<p>Antes de la fecha de cierre programada, su prestamista debe brindarle informaci\u00f3n que explique los costos de cierre (generalmente denominado divulgaci\u00f3n de cierre), junto con una \u201cestimaci\u00f3n de buena fe\u201d de cu\u00e1nto dinero deber\u00e1 proporcionar en el momento del cierre. y una lista de los documentos requeridos. Si hay algo que no entiendes o sobre lo que tienes preguntas, no dudes en preguntar. \u00a1Su equipo hipotecario est\u00e1 ah\u00ed para apoyarlo en esta ocasi\u00f3n trascendental!<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00bfQu\u00e9 documentos necesitar\u00e9?<\/strong><\/h2>\n<p>La mayor\u00eda de los prestamistas solicitar\u00e1n los documentos que se enumeran a continuaci\u00f3n; sin embargo, verifique los requisitos con su prestamista para asegurarse de tener todo lo que necesita de antemano. Aqu\u00ed hay una lista de los documentos com\u00fanmente requeridos para un pr\u00e9stamo hipotecario:<\/p>\n<ul>\n<li>Copias de su licencia de conducir para verificar su identificaci\u00f3n y su direcci\u00f3n actual.<\/li>\n<li>Recibos de sueldo de los \u00faltimos 30 d\u00edas.<\/li>\n<li>Estados de cuenta de todas las cuentas financieras y de inversi\u00f3n de los \u00faltimos 60 d\u00edas.<\/li>\n<li>Formularios W-2 y\/o declaraciones de impuestos de los \u00faltimos 2 a\u00f1os.<\/li>\n<li>Prueba de empleo\/ingresos de los \u00faltimos 2 a\u00f1os.<\/li>\n<li>Cartas de explicaci\u00f3n y documentaci\u00f3n para cualquier circunstancia en su historial (como quiebra o ejecuciones hipotecarias).<\/li>\n<\/ul>\n<h2 class=\"fusion-responsive-typography-calculated\" data-fontsize=\"20\" data-lineheight=\"30px\"><strong>\u00a1Estamos aqu\u00ed para ayudar!<\/strong><\/h2>\n<p>Comprar una casa es emocionante, pero tambi\u00e9n puede resultar un poco intimidante. Dos de los pasos m\u00e1s importantes en el proceso de compra de una vivienda son encontrar un excelente agente de bienes ra\u00edces y trabajar con un prestamista de su confianza para asegurarse de tomar las decisiones financieras correctas.<\/p>\n<p>Si tiene alguna otra pregunta sobre la compra de su primera vivienda o desea obtener m\u00e1s informaci\u00f3n sobre el proceso de compra de una vivienda, estamos listos para ayudarle. Visite cualquiera de nuestras convenientes sucursales o llame al 888-777-9982 para programar una cita.<\/p>\n<\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t<\/div>\n<\/div>\n\n\n<div class=\"co-flex_row co-flex_row__white co-flex_row__last co-flex_row__disclosures\" >\n\t<div class=\"co-flex_row--row co-row\">\n\t\t\t<div class=\"co-disclosures\">\n\t\t<h2 class=\"co-disclosures--title\">Divulgaciones<\/h2>\n\t\t<div class=\"co-disclosures--content\">\n\t\t\t\t\t\t\t<ul>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Esta cooperativa de cr\u00e9dito est\u00e1 asegurada a nivel federal por la Administraci\u00f3n Nacional de Cooperativas de Cr\u00e9dito.<\/p>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t<li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<p>Prestamista de vivienda equitativa<\/p>\n\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t<\/div>\n\t<\/div>\n\n\t<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":11,"featured_media":4435,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"_searchwp_excluded":"","footnotes":""},"categories":[43],"tags":[],"class_list":["post-4431","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-loans"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - 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