{"id":4438,"date":"2023-11-20T12:19:05","date_gmt":"2023-11-20T17:19:05","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=4438"},"modified":"2023-11-21T08:34:12","modified_gmt":"2023-11-21T13:34:12","slug":"are-you-thinking-about-buying-a-home","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/are-you-thinking-about-buying-a-home\/","title":{"rendered":"\u00bfEst\u00e1 pensando en comprar una casa?"},"content":{"rendered":"<p>Entonces, est\u00e1s pensando en comprar una casa, \u00bfy ahora qu\u00e9? Decidir si est\u00e1 listo para comprar una casa es una decisi\u00f3n importante y puede resultar abrumadora. Estamos aqu\u00ed para ayudarle con algunas cosas m\u00e1s que debe tener en cuenta.<\/p>\n<p>Antes de considerar solo el pago mensual en su presupuesto y la cantidad de fondos que necesitar\u00e1 para el pago inicial y los costos de cierre, echemos un vistazo a algunos requisitos b\u00e1sicos que el prestamista revisar\u00e1 en su solicitud para determinar si es elegible. para comprar una casa.<\/p>\n<p><strong>Empleo e ingresos<\/strong><br \/>\nEl prestamista querr\u00e1 ver que usted tiene un historial laboral de dos a\u00f1os en la misma l\u00ednea de trabajo o el mismo trabajo. Adem\u00e1s de su historial laboral, revisar\u00e1n sus ingresos para garantizar que sea una fuente de ingresos estable. Necesitar\u00e1n saber c\u00f3mo le pagan (por hora, salario, comisi\u00f3n). Tambi\u00e9n habr\u00e1 dudas sobre la coherencia en el pago de horas extras, bonificaciones o comisiones.<\/p>\n<p><strong>Cr\u00e9dito e historial crediticio.<\/strong><br \/>\nAl solicitar un pr\u00e9stamo hipotecario, su puntuaci\u00f3n FICO y <a href=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/dont-mess-with-your-credit\/\">cr\u00e9dito <\/a>La historia ciertamente entra en juego. Su puntaje FICO determina para qu\u00e9 programa de pr\u00e9stamos hipotecarios puede (o no) calificar. Por ejemplo, los programas de pr\u00e9stamos de la FHA permitir\u00e1n un puntaje FICO m\u00ednimo de 580, mientras que un programa de pr\u00e9stamos hipotecarios convencional permitir\u00e1 un puntaje m\u00ednimo de 620.<\/p>\n<p>Su puntaje crediticio no solo ayuda a determinar un posible programa de pr\u00e9stamos, sino que tambi\u00e9n afectar\u00e1 su tasa. Si sabe que su cr\u00e9dito puede necesitar ayuda, no dude en preguntarle a su oficial de pr\u00e9stamos qu\u00e9 podr\u00eda hacer para mejorar su puntaje. Si bien no pueden proporcionar <a href=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/dont-mess-with-your-credit\/\">reparaci\u00f3n de cr\u00e9dito<\/a> servicios, a menudo pueden indicarle lugares donde podr\u00eda mejorar su puntuaci\u00f3n.<\/p>\n<p><strong>Activos<\/strong><br \/>\nAhora bien, cuando decimos activos, no nos referimos a cosas como su autom\u00f3vil o su efectivo disponible; nos referimos a los activos l\u00edquidos en su banco que podr\u00eda usar para la transacci\u00f3n. Tambi\u00e9n puede utilizar una cuenta 401k o de pensi\u00f3n si es necesario, pero tienen requisitos adicionales.<\/p>\n<ul>\n<li>Al revisar los activos l\u00edquidos que tienes, toma en consideraci\u00f3n el pago inicial y los costos de cierre.<\/li>\n<li><strong>Dep\u00f3sito<\/strong> \u2013 esto puede variar ya que los diferentes programas de pr\u00e9stamos tienen diferentes requisitos de pago inicial m\u00ednimo. Incluso hay algunos programas que no permiten ning\u00fan pago inicial.<\/li>\n<li><strong>Costos de cierre<\/strong> \u2013 Una regla general es estar preparado para pagar entre 3% y 6% del monto de su pr\u00e9stamo en costos de cierre.<\/li>\n<\/ul>\n<p>Por ejemplo, si est\u00e1 comprando una casa por $200,000 y est\u00e1 pagando 3%, puede estimar algo similar a lo siguiente:<\/p>\n<ul>\n<li>3% pago inicial = $6,000.00 <\/li>\n<li>Costos de cierre (digamos 3%) = $6,000.00<\/li>\n<li>El costo total de bolsillo para cerrar su casa ser\u00eda de aproximadamente $12,000.00<\/li>\n<\/ul>\n<p>Por \u00faltimo, pero no menos importante, el prestamista revisar\u00e1 su DTI, que es su relaci\u00f3n deuda-ingresos. Su DTI simplemente ayudar\u00e1 al prestamista a ver cu\u00e1nta deuda podr\u00eda asumir en comparaci\u00f3n con sus ingresos mensuales brutos. Ahora bien, si tiene una relaci\u00f3n deuda-ingresos alta, puede consultar con su oficial de pr\u00e9stamos para ver si pagar alguna deuda podr\u00eda ayudar o si poner m\u00e1s <a href=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/what-are-discount-points\/\">dinero abajo<\/a> puede ser una opci\u00f3n para ti.<\/p>\n<p>Con tantos factores a considerar al dar el primer paso hacia la propiedad de vivienda, lo mejor para usted es que un oficial de pr\u00e9stamos lo gu\u00ede en cada paso del proceso. Aproveche su experiencia para poder tomar las decisiones m\u00e1s informadas y su viaje hacia la propiedad de vivienda ser\u00e1 lo m\u00e1s fluido y libre de estr\u00e9s posible.<\/p>","protected":false},"excerpt":{"rendered":"Entonces, est\u00e1s pensando en comprar una casa, \u00bfy ahora qu\u00e9? Decidir si est\u00e1 listo para comprar una casa es una decisi\u00f3n importante y puede resultar abrumadora. Estamos aqu\u00ed para ayudar con <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-4438","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>Are You Thinking About Buying a Home? - Advisors Mortgage Group<\/title>\n<meta name=\"description\" content=\"Explore the essential aspects of purchasing a home with our comprehensive guide. Covering key topics like employment and income verification, credit and credit history considerations, asset assessment, down payment and closing costs, and understanding debt-to-income ratio, this article provides valuable insights for prospective homeowners. Learn how to navigate the home buying process with confidence and make informed decisions every step of the way.\" \/>\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\/knowledge-base\/are-you-thinking-about-buying-a-home\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are You Thinking About Buying a Home?\" \/>\n<meta property=\"og:description\" content=\"Explore the essential aspects of purchasing a home with our comprehensive guide. Covering key topics like employment and income verification, credit and credit history considerations, asset assessment, down payment and closing costs, and understanding debt-to-income ratio, this article provides valuable insights for prospective homeowners. Learn how to navigate the home buying process with confidence and make informed decisions every step of the way.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/are-you-thinking-about-buying-a-home\/\" \/>\n<meta property=\"og:site_name\" content=\"Advisors Mortgage Group\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-20T17:19:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-21T13:34:12+00:00\" \/>\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=\"3 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/advisorsmortgage.com\/knowledge-base\/are-you-thinking-about-buying-a-home\/\",\"url\":\"https:\/\/advisorsmortgage.com\/knowledge-base\/are-you-thinking-about-buying-a-home\/\",\"name\":\"Are You Thinking About Buying a Home? - Advisors Mortgage Group\",\"isPartOf\":{\"@id\":\"https:\/\/advisorsmortgage.com\/#website\"},\"datePublished\":\"2023-11-20T17:19:05+00:00\",\"dateModified\":\"2023-11-21T13:34:12+00:00\",\"author\":{\"@id\":\"https:\/\/advisorsmortgage.com\/#\/schema\/person\/0cefc807881bdc355e69760ad7375c9a\"},\"description\":\"Explore the essential aspects of purchasing a home with our comprehensive guide. Covering key topics like employment and income verification, credit and credit history considerations, asset assessment, down payment and closing costs, and understanding debt-to-income ratio, this article provides valuable insights for prospective homeowners. Learn how to navigate the home buying process with confidence and make informed decisions every step of the way.\",\"breadcrumb\":{\"@id\":\"https:\/\/advisorsmortgage.com\/knowledge-base\/are-you-thinking-about-buying-a-home\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/advisorsmortgage.com\/knowledge-base\/are-you-thinking-about-buying-a-home\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/advisorsmortgage.com\/knowledge-base\/are-you-thinking-about-buying-a-home\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/advisorsmortgage.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Are You Thinking About Buying a Home?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/advisorsmortgage.com\/#website\",\"url\":\"https:\/\/advisorsmortgage.com\/\",\"name\":\"Advisors Mortgage Group\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/advisorsmortgage.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/advisorsmortgage.com\/#\/schema\/person\/0cefc807881bdc355e69760ad7375c9a\",\"name\":\"Ryan Brogden\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Are You Thinking About Buying a Home? - Advisors Mortgage Group","description":"Explore the essential aspects of purchasing a home with our comprehensive guide. Covering key topics like employment and income verification, credit and credit history considerations, asset assessment, down payment and closing costs, and understanding debt-to-income ratio, this article provides valuable insights for prospective homeowners. Learn how to navigate the home buying process with confidence and make informed decisions every step of the way.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/are-you-thinking-about-buying-a-home\/","og_locale":"es_MX","og_type":"article","og_title":"Are You Thinking About Buying a Home?","og_description":"Explore the essential aspects of purchasing a home with our comprehensive guide. Covering key topics like employment and income verification, credit and credit history considerations, asset assessment, down payment and closing costs, and understanding debt-to-income ratio, this article provides valuable insights for prospective homeowners. Learn how to navigate the home buying process with confidence and make informed decisions every step of the way.","og_url":"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/are-you-thinking-about-buying-a-home\/","og_site_name":"Advisors Mortgage Group","article_published_time":"2023-11-20T17:19:05+00:00","article_modified_time":"2023-11-21T13:34:12+00:00","author":"Ryan Brogden","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Jon Iacono","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/advisorsmortgage.com\/knowledge-base\/are-you-thinking-about-buying-a-home\/","url":"https:\/\/advisorsmortgage.com\/knowledge-base\/are-you-thinking-about-buying-a-home\/","name":"Are You Thinking About Buying a Home? - Advisors Mortgage Group","isPartOf":{"@id":"https:\/\/advisorsmortgage.com\/#website"},"datePublished":"2023-11-20T17:19:05+00:00","dateModified":"2023-11-21T13:34:12+00:00","author":{"@id":"https:\/\/advisorsmortgage.com\/#\/schema\/person\/0cefc807881bdc355e69760ad7375c9a"},"description":"Explore the essential aspects of purchasing a home with our comprehensive guide. Covering key topics like employment and income verification, credit and credit history considerations, asset assessment, down payment and closing costs, and understanding debt-to-income ratio, this article provides valuable insights for prospective homeowners. Learn how to navigate the home buying process with confidence and make informed decisions every step of the way.","breadcrumb":{"@id":"https:\/\/advisorsmortgage.com\/knowledge-base\/are-you-thinking-about-buying-a-home\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/advisorsmortgage.com\/knowledge-base\/are-you-thinking-about-buying-a-home\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/advisorsmortgage.com\/knowledge-base\/are-you-thinking-about-buying-a-home\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/advisorsmortgage.com\/"},{"@type":"ListItem","position":2,"name":"Are You Thinking About Buying a Home?"}]},{"@type":"WebSite","@id":"https:\/\/advisorsmortgage.com\/#website","url":"https:\/\/advisorsmortgage.com\/","name":"Advisors Mortgage Group","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/advisorsmortgage.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/advisorsmortgage.com\/#\/schema\/person\/0cefc807881bdc355e69760ad7375c9a","name":"Ryan Brogden"}]}},"_links":{"self":[{"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/posts\/4438"}],"collection":[{"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/comments?post=4438"}],"version-history":[{"count":0,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/posts\/4438\/revisions"}],"wp:attachment":[{"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/media?parent=4438"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/categories?post=4438"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/tags?post=4438"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}