{"id":2654,"date":"2021-03-29T10:36:10","date_gmt":"2021-03-29T14:36:10","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=2654"},"modified":"2021-03-29T10:37:27","modified_gmt":"2021-03-29T14:37:27","slug":"mortgage-rates-creeping-higher-is-it-still-time-to-refinance","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/advisors-family\/30-second-market-update\/mortgage-rates-creeping-higher-is-it-still-time-to-refinance\/","title":{"rendered":"Tasas hipotecarias cada vez m\u00e1s altas, \u00bftodav\u00eda es hora de refinanciar?"},"content":{"rendered":"<p>Seg\u00fan un informe reciente de Black Knight, el aumento reciente en las tasas hipotecarias de casi 50 puntos b\u00e1sicos elimin\u00f3 aproximadamente siete millones de candidatos de refinanciamiento de &quot;alta calidad&quot; que ya no est\u00e1n disponibles para asegurar sus &quot;tasas permanentes&quot;. Black Knight considera una &quot;tarifa permanente&quot; como una tarifa que ya no estar\u00e1 disponible nunca m\u00e1s. Su definici\u00f3n de candidato de &quot;alta calidad&quot; tiene una relaci\u00f3n pr\u00e9stamo-valor de 80% y una calificaci\u00f3n crediticia de 720 o mejor. Incluso con la ca\u00edda de siete millones de candidatos, informan que todav\u00eda hay 11,1 millones de candidatos de refinanciamiento de &quot;alta calidad&quot; disponibles, entre muchos otros candidatos que no son reconocidos por estar en la situaci\u00f3n de primer nivel.<\/p>\n<p>Black Knight continu\u00f3 informando que el propietario promedio a\u00fan podr\u00eda ahorrar casi $300 al mes en un refinanciamiento. Adem\u00e1s, hay casi dos millones de propietarios que podr\u00edan ahorrar casi $400 por mes, y 1,2 millones podr\u00edan ahorrar m\u00e1s de $745 por mes. Los economistas de Fannie Mae se hicieron eco del informe de Black Knight al afirmar que las acciones de originaciones vinculadas a refinanciamientos ser\u00e1n 54% en 2021, por debajo de los 64% en 2020. Debido a un pron\u00f3stico continuo de aumento de las tasas, se espera que esa participaci\u00f3n caiga a 39% en 2022. En general, ahora mismo parece ser el momento perfecto para actuar en un refinanciamiento mientras las tasas permanecen bajas, porque no se espera que vuelvan al nivel que experimentamos durante 2020.<\/p>\n<p>Fuente: https:\/\/bit.ly\/3wa36FM<\/p>","protected":false},"excerpt":{"rendered":"Seg\u00fan un informe reciente de Black Knight, el aumento reciente en las tasas hipotecarias de casi 50 puntos b\u00e1sicos elimin\u00f3 aproximadamente siete millones de candidatos de refinanciamiento de &quot;alta calidad&quot; que no son <span class=\"gold-text\">[&#8230;]<\/span>","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[16],"tags":[12,57,58,60,30,59,27,31],"class_list":["post-2654","post","type-post","status-publish","format-standard","hentry","category-30-second-market-update","tag-30-second-update","tag-black-knight","tag-equity","tag-forecast","tag-interest-rates","tag-loan-to-value","tag-rates","tag-refinance"],"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>Mortgage Rates Creeping Higher, Is It Still Time to Refinance? 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