{"id":1427,"date":"2013-06-05T00:00:00","date_gmt":"2013-06-05T00:00:00","guid":{"rendered":"https:\/\/site.cmdsonline.com\/advisorsmortgage\/uncategorized\/return-of-the-piggyback-loan\/"},"modified":"2013-06-05T00:00:00","modified_gmt":"2013-06-05T00:00:00","slug":"return-of-the-piggyback-loan","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/in-the-news\/return-of-the-piggyback-loan\/","title":{"rendered":"Devoluci\u00f3n del pr\u00e9stamo piggyback"},"content":{"rendered":"<p>Los pr\u00e9stamos complementarios, que cayeron en desgracia durante la recesi\u00f3n de la vivienda, est\u00e1n reapareciendo lentamente a medida que el valor de las viviendas comienza a recuperarse, han dicho varios l\u00edderes de la industria.\u00a0<br \/>\n\u00a0<br \/>\nLas hipotecas piggyback, cuando un prestatario obtiene una segunda hipoteca en forma de garant\u00eda hipotecaria o l\u00ednea de cr\u00e9dito, representaron 3,8% de los pr\u00e9stamos originados por los banqueros encuestados en 2012, en comparaci\u00f3n con 1,7% de los pr\u00e9stamos de 2010, seg\u00fan el Encuesta de pr\u00e9stamos inmobiliarios de ABA de 2013.<br \/>\n\u00a0<br \/>\nLos pr\u00e9stamos eran com\u00fanmente utilizados por prestatarios que quer\u00edan evitar pagar el seguro hipotecario pero no ten\u00edan suficiente dinero para un pago inicial 20%. Algunos de estos pr\u00e9stamos se tomaron para financiar mejoras en el hogar; otros formaban parte de un producto subprime conocido como hipoteca 80\/20, en el que el 80% del precio de compra estaba cubierto por una primera hipoteca de tasa ajustable y el resto por una segunda hipoteca con una tasa de inter\u00e9s m\u00e1s alta. \u00a0<br \/>\n\u00a0<br \/>\nPero el producto disminuy\u00f3 cuando los valores cayeron y no se recuper\u00f3 debido al miedo, dijo a MPA el vicepresidente de Advisors Mortgage Group, Sean Clark. Dado que los bancos est\u00e1n en l\u00ednea despu\u00e9s del principal acreedor hipotecario, si comienza un procedimiento de ejecuci\u00f3n hipotecaria, saben que no obtendr\u00e1n la casa, sin importar el valor.<br \/>\n\u00a0<br \/>\n\u201cLa raz\u00f3n por la que los piggybacks desaparecieron es que los valores cayeron tan dr\u00e1sticamente, que muchos de los bancos que ofrec\u00edan segundas hipotecas perdieron todo lo que prestaron\u201d, dijo.<br \/>\n\u00a0<br \/>\nA medida que el mercado se estabilice y contin\u00fae en su camino actual, veremos un resurgimiento de los bancos que ofrecen segundas hipotecas, tal como hemos visto un resurgimiento de los pr\u00e9stamos jumbo, dijo.\u00a0<br \/>\n\u00a0<br \/>\n\u201cEs un producto maravilloso si se usa correctamente\u201d, dijo Bill Kidwell, presidente de IMMAAG, un grupo de asesor\u00eda hipotecaria.\u00a0<br \/>\n\u00a0<br \/>\nKidwell dice que hay pocos productos t\u00f3xicos, solo hay personas que venden productos que no investigan a sus clientes para ver si encajan bien.\u00a0<br \/>\n\u00a0<br \/>\nEn el caso de las hipotecas piggy back, podr\u00eda tener mucho sentido para alguien que podr\u00eda estar corto en el pago inicial, pero que puede pagar la segunda hipoteca en lugar de optar por un seguro hipotecario que se dispara.\u00a0<br \/>\n\u00a0<br \/>\nPero los d\u00edas del 80\/20 han terminado con requisitos crediticios m\u00e1s estrictos en todos los \u00e1mbitos. Mientras que algunos bancos har\u00e1n una relaci\u00f3n pr\u00e9stamo-valor combinada de 90% en la primera y segunda hipoteca, otros solo llegar\u00e1n a una relaci\u00f3n pr\u00e9stamo-valor combinada de 85%, lo que significa que el prestatario tiene que presentar al menos un 10%. pago inicial y, a veces, 15%.<\/p>","protected":false},"excerpt":{"rendered":"Los pr\u00e9stamos complementarios, que cayeron en desgracia durante la recesi\u00f3n de la vivienda, est\u00e1n reapareciendo lentamente a medida que el valor de las viviendas comienza a recuperarse, han dicho varios l\u00edderes de la industria. Hipotecas superpuestas <span class=\"gold-text\">[&#8230;]<\/span>","protected":false},"author":3,"featured_media":1267,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-1427","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-in-the-news"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.7 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Return of the piggyback loan - Advisors Mortgage Group<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/advisorsmortgage.com\/es\/in-the-news\/return-of-the-piggyback-loan\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Return of the piggyback loan\" \/>\n<meta property=\"og:description\" content=\"Piggyback loans, which fell from favor during the housing downturn, are slowly making a comeback as home values start to pick up, several industry leaders have said.\u00a0 \u00a0 Piggyback mortgages [...]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/advisorsmortgage.com\/es\/in-the-news\/return-of-the-piggyback-loan\/\" \/>\n<meta property=\"og:site_name\" content=\"Advisors Mortgage Group\" \/>\n<meta property=\"article:published_time\" content=\"2013-06-05T00:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/advisorsmortgage.com\/wp-content\/uploads\/mpa.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"234\" \/>\n\t<meta property=\"og:image:height\" content=\"108\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Ryan Brogden\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jon Iacono\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/advisorsmortgage.com\/in-the-news\/return-of-the-piggyback-loan\/\",\"url\":\"https:\/\/advisorsmortgage.com\/in-the-news\/return-of-the-piggyback-loan\/\",\"name\":\"Return of the piggyback loan - 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