{"id":4437,"date":"2023-11-13T12:15:42","date_gmt":"2023-11-13T17:15:42","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=4437"},"modified":"2023-11-20T14:23:52","modified_gmt":"2023-11-20T19:23:52","slug":"dont-mess-with-your-credit","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/dont-mess-with-your-credit\/","title":{"rendered":"No te metas con tu cr\u00e9dito"},"content":{"rendered":"<p>Lleva a\u00f1os so\u00f1ando con tener su propia casa y ahora que ha encontrado la perfecta <a href=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/are-you-thinking-about-buying-a-home\/\">hogar<\/a>, no lo pierda jugando con su cr\u00e9dito. Cerrar una vivienda de principio a fin es un proceso complicado y puede tardar hasta 60 d\u00edas dependiendo de la situaci\u00f3n. Durante este tiempo, hay cosas que debe evitar para que el cierre sea perfecto. <\/p>\n<p>Cuando solicita una aprobaci\u00f3n previa de una hipoteca, su prestamista retirar\u00e1 su cr\u00e9dito y luego tambi\u00e9n lo har\u00e1 nuevamente justo antes del cierre. A continuaci\u00f3n se ofrecen algunos consejos para mantener su cr\u00e9dito.<\/p>\n<p>No abra nuevas l\u00edneas de cr\u00e9dito. Cuando abre una nueva l\u00ednea de cr\u00e9dito, como una tarjeta de cr\u00e9dito, el prestamista lo considerar\u00e1 m\u00e1s riesgoso ya que est\u00e1 adquiriendo m\u00e1s deuda. De hecho, su puntaje crediticio tambi\u00e9n puede disminuir cuando abre una nueva l\u00ednea de cr\u00e9dito. Ambos resultados podr\u00edan hacer que usted no obtenga la aprobaci\u00f3n final para la hipoteca.<\/p>\n<p>No hagas grandes compras con tus tarjetas de cr\u00e9dito. Sabemos que est\u00e1 entusiasmado con su nuevo hogar y desea comprar ese nuevo y acogedor televisor seccional y de pantalla grande para su sala familiar, pero espere esta compra hasta despu\u00e9s del cierre. Endeudarse m\u00e1s podr\u00eda reducir su puntaje crediticio y ponerlo en peligro de perder su hipoteca.<\/p>\n<p>No renuncies ni cambies de trabajo. Los prestamistas verificar\u00e1n su empleo e ingresos durante el proceso de suscripci\u00f3n para asegurarse de que tenga los fondos y la estabilidad para realizar los pagos mensuales de su hipoteca. Si deja su trabajo, esto podr\u00eda ralentizar el proceso y su cierre podr\u00eda retrasarse. Si sus ingresos en su nuevo trabajo son mucho menores que los del anterior, el prestamista puede determinar que usted no califica para la hipoteca.<\/p>\n<p>Pague sus facturas a tiempo. comprando un nuevo <a href=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/are-you-thinking-about-buying-a-home\/\">hogar<\/a> Puede ser estresante y hay muchas cosas en tu lista de tareas pendientes. No olvide pagar sus facturas actuales a tiempo. Si no realiza alg\u00fan pago, su puntaje crediticio podr\u00eda bajar, lo que afectar\u00e1 sus posibilidades de obtener una hipoteca. Si a\u00fan no lo ha hecho, ponga sus facturas en pago autom\u00e1tico para que no haya posibilidad de perder un pago. <\/p>\n<p>Mantener su <a href=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/what-is-escrow\/\">cr\u00e9dito <\/a>bajo control y aseg\u00farese de controlar su puntuaci\u00f3n con frecuencia. Usted tiene el control de sus finanzas y cr\u00e9dito, por lo que puede hacer su parte para mantener el cierre encaminado. <\/p>","protected":false},"excerpt":{"rendered":"Ha estado so\u00f1ando con tener su propia casa durante a\u00f1os y ahora que ha encontrado la casa perfecta, no la pierda alterando su cr\u00e9dito. Cerrando <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":[334],"tags":[124],"class_list":["post-4437","post","type-post","status-publish","format-standard","hentry","category-knowledge-base","tag-press-release"],"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>Don\u2019t Mess With Your Credit - Advisors Mortgage Group<\/title>\n<meta name=\"description\" content=\"Explore essential tips on maintaining and managing your credit score effectively, especially during the critical period between mortgage pre-approval and closing. 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