{"id":4440,"date":"2023-11-11T12:21:15","date_gmt":"2023-11-11T17:21:15","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=4440"},"modified":"2023-11-20T14:06:17","modified_gmt":"2023-11-20T19:06:17","slug":"what-is-escrow","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/what-is-escrow\/","title":{"rendered":"\u00bfQu\u00e9 es el dep\u00f3sito en garant\u00eda?"},"content":{"rendered":"<p>Durante el proceso hipotecario, seguramente escuchar\u00e1 algunos t\u00e9rminos que le har\u00e1n decir &quot;<a href=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/what-are-discount-points\/\">\u00bfQu\u00e9 diablos es eso?<\/a>?\u201d Una de estas cosas podr\u00eda ser una cuenta de dep\u00f3sito en garant\u00eda.<\/p>\n<p>Primero, comencemos con la pregunta \u201cf\u00e1cil\u201d: \u00bfqu\u00e9 es un dep\u00f3sito en garant\u00eda? El dep\u00f3sito en garant\u00eda se puede considerar dos cosas diferentes durante la hipoteca. <a href=\"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/are-you-thinking-about-buying-a-home\/\">proceso<\/a>.<\/p>\n<p>Una es una cuenta de dep\u00f3sito en garant\u00eda en la que su dinero de garant\u00eda (dep\u00f3sito hipotecario) de la vivienda se guarda hasta la fecha de cierre O puede usarse como referencia a su cuenta de dep\u00f3sito en garant\u00eda que se configura en el momento del cierre para que el prestamista pague (en su nombre). su seguro de propietarios de vivienda y sus impuestos a la propiedad cuando vencen.<\/p>\n<p>La cuenta de dep\u00f3sito en garant\u00eda para su garant\u00eda solo se usa durante el proceso de la hipoteca hasta el cierre, mientras que su cuenta de dep\u00f3sito en garant\u00eda de la hipoteca se usa durante toda la vigencia de su pr\u00e9stamo.<\/p>\n<p>Ahora profundicemos un poco m\u00e1s en una cuenta de dep\u00f3sito en garant\u00eda. Al momento del cierre, se agrega una cantidad predeterminada de meses adicionales de seguro de propiedad e impuestos a la propiedad a sus costos de cierre para poder iniciar su cuenta de dep\u00f3sito en garant\u00eda.<\/p>\n<p>Cada pago hipotecario mensual que realiza, una parte de su pago va a su cuenta de dep\u00f3sito en garant\u00eda. Piense en una cuenta de dep\u00f3sito en garant\u00eda como una cuenta de ahorros espec\u00edfica para sus pagos de impuestos y seguros cuando vencen. Esto significa que si tiene una cuenta de dep\u00f3sito en garant\u00eda, no tiene que pagar el seguro ni los impuestos de su propio bolsillo.<\/p>\n<p>Cada a\u00f1o, su administrador hipotecario har\u00e1 lo que se llama un \u201can\u00e1lisis de dep\u00f3sito en garant\u00eda\u201d, que es cuando revisa su cuenta para asegurarse de que tendr\u00e1 fondos suficientes para pagar sus impuestos y seguro para el pr\u00f3ximo a\u00f1o. Si el administrador cobra demasiado, usted recibir\u00e1 un cheque llamado \u201creembolso en dep\u00f3sito en garant\u00eda\u201d.<\/p>\n<p>Si no proyectan que habr\u00e1 suficiente dinero en su cuenta, esto provocar\u00e1 una escasez de dep\u00f3sito en garant\u00eda y, por lo general, pueden ofrecerle dos opciones. Una es pagar el monto faltante en una suma global. La otra opci\u00f3n es que el administrador aumente su pago hipotecario mensual por el monto faltante.<\/p>\n<p>Otra forma de pensar en una cuenta de dep\u00f3sito en garant\u00eda es pensar en ella como una cuenta de ahorros espec\u00edfica para sus seguros e impuestos. Aunque es su \u201ccuenta de ahorros\u201d, no puede sacar dinero de ella. Ahora bien, si tuviera que refinanciar su casa, despu\u00e9s de cerrarla recibir\u00e1 un cheque por el monto de la antigua cuenta de dep\u00f3sito en garant\u00eda.<\/p>","protected":false},"excerpt":{"rendered":"Durante el proceso hipotecario, seguramente escuchar\u00e1 algunos t\u00e9rminos que le har\u00e1n decir &quot;\u00bfQu\u00e9 diablos es eso?&quot; Una de estas cosas podr\u00eda ser un dep\u00f3sito en garant\u00eda. <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-4440","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>What is Escrow? - Advisors Mortgage Group<\/title>\n<meta name=\"description\" content=\"Explore the essentials of mortgage escrow accounts in this comprehensive guide. 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