{"id":4488,"date":"2023-12-01T11:24:35","date_gmt":"2023-12-01T16:24:35","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=4488"},"modified":"2023-12-01T12:58:18","modified_gmt":"2023-12-01T17:58:18","slug":"what-is-a-usda-loan","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/what-is-a-usda-loan\/","title":{"rendered":"\u00bfQu\u00e9 es un pr\u00e9stamo del USDA?"},"content":{"rendered":"<p>Un pr\u00e9stamo hipotecario del USDA es una hipoteca con pago inicial cero para compradores de vivienda en ciudades y \u00e1reas rurales elegibles. Debido a que los pr\u00e9stamos del USDA permiten un pago inicial de $0, pueden ser una gran herramienta para desbloquear la propiedad de vivienda para prestatarios calificados. Adem\u00e1s, una vez calificado, si se combina con la subvenci\u00f3n NJHMFA, un comprador por primera vez (definido como no propietario de una casa en los \u00faltimos tres a\u00f1os) tambi\u00e9n puede recibir hasta $15,000 para cubrir TODOS los costos de cierre, lo que le permitir\u00e1 comprar una casa. \u00a1con potencialmente tan solo $600 de bolsillo (costo de una inspecci\u00f3n de la vivienda)!<\/p>\n<p><strong>Sin pago inicial<\/strong><\/p>\n<ul>\n<li>Un pr\u00e9stamo del USDA tiene muchas ventajas, pero la m\u00e1s conocida es la posibilidad de obtener financiaci\u00f3n 100% sin tener que pasar a\u00f1os ahorrando para el pago inicial.<\/li>\n<\/ul>\n<p><strong>Tasas de inter\u00e9s competitivas<\/strong><\/p>\n<ul>\n<li>Gracias a la garant\u00eda del USDA, los prestamistas pueden ofrecer algunas de las tasas de inter\u00e9s m\u00e1s bajas del mercado. Si bien las tasas reales pueden variar seg\u00fan el prestamista, debe saber que su situaci\u00f3n crediticia y las condiciones actuales del mercado desempe\u00f1an un papel vital en la tasa de su hipoteca.<\/li>\n<li>La mayor\u00eda de los prestamistas buscan un puntaje crediticio de al menos 640; sin embargo, un puntaje mejor lo ayudar\u00e1 a calificar para tasas de inter\u00e9s potencialmente m\u00e1s bajas.<\/li>\n<\/ul>\n<p><strong>Seguro hipotecario mensual bajo<\/strong><\/p>\n<ul>\n<li>Con un pr\u00e9stamo convencional, si no puede pagar al menos 20%, los prestamistas le exigen que pague un seguro hipotecario privado (PMI). Los pr\u00e9stamos de la FHA tambi\u00e9n tienen altas tarifas anuales de seguro hipotecario. A diferencia de estos otros programas, los pr\u00e9stamos del USDA no requieren PMI. En cambio, el USDA utiliza dos tarifas: una tarifa de garant\u00eda inicial que se financia con el pr\u00e9stamo y una tarifa anual, que se suma al pago mensual de la hipoteca. La tarifa inicial es el uno por ciento del monto total financiado, mientras que la tarifa anual es 0.35% del saldo actual del pr\u00e9stamo.<\/li>\n<\/ul>\n<p><strong>Elegibilidad de propiedad<\/strong> (\u00a1No necesitas una vaca!)<\/p>\n<ul>\n<li>El USDA publica mapas del pa\u00eds para determinar qu\u00e9 \u00e1reas est\u00e1n aprobadas para pr\u00e9stamos del USDA. Lo creas o no, \u00a1hay muchas \u00e1reas elegibles que no esperar\u00edas! En otras palabras, no es necesario comprar una granja en funcionamiento o un zool\u00f3gico de mascotas para obtener un pr\u00e9stamo del USDA. Su oficial de pr\u00e9stamos puede ayudarlo a determinar si su propiedad potencial es elegible.<\/li>\n<\/ul>\n<p>Los pr\u00e9stamos del USDA son una excelente opci\u00f3n para adquirir una vivienda. Combinado con el programa para compradores de vivienda por primera vez de la NJHMFA, es posible que no tenga pago inicial y pr\u00e1cticamente ning\u00fan costo de cierre.<\/p>","protected":false},"excerpt":{"rendered":"Un pr\u00e9stamo hipotecario del USDA es una hipoteca con pago inicial cero para compradores de vivienda en ciudades y \u00e1reas rurales elegibles. Debido a que los pr\u00e9stamos del USDA permiten un pago inicial de $0, pueden <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":[344,30,84,213,345],"class_list":["post-4488","post","type-post","status-publish","format-standard","hentry","category-knowledge-base","tag-heloc","tag-interest-rates","tag-mortgage-rates","tag-recession","tag-reverse-mortgage"],"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 a USDA 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\/knowledge-base\/what-is-a-usda-loan\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is a USDA Loan?\" \/>\n<meta property=\"og:description\" content=\"A USDA home loan is a zero down payment mortgage for home buyers in eligible towns and rural areas. 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Because USDA loans allow for a $0 down payment, they can [...]","og_url":"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/what-is-a-usda-loan\/","og_site_name":"Advisors Mortgage Group","article_published_time":"2023-12-01T16:24:35+00:00","article_modified_time":"2023-12-01T17:58:18+00:00","author":"Ryan Brogden","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Jon Iacono","Tiempo de lectura":"2 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/advisorsmortgage.com\/knowledge-base\/what-is-a-usda-loan\/","url":"https:\/\/advisorsmortgage.com\/knowledge-base\/what-is-a-usda-loan\/","name":"What is a USDA Loan? - Advisors Mortgage Group","isPartOf":{"@id":"https:\/\/advisorsmortgage.com\/#website"},"datePublished":"2023-12-01T16:24:35+00:00","dateModified":"2023-12-01T17:58:18+00:00","author":{"@id":"https:\/\/advisorsmortgage.com\/#\/schema\/person\/0cefc807881bdc355e69760ad7375c9a"},"breadcrumb":{"@id":"https:\/\/advisorsmortgage.com\/knowledge-base\/what-is-a-usda-loan\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/advisorsmortgage.com\/knowledge-base\/what-is-a-usda-loan\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/advisorsmortgage.com\/knowledge-base\/what-is-a-usda-loan\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/advisorsmortgage.com\/"},{"@type":"ListItem","position":2,"name":"What is a USDA Loan?"}]},{"@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\/4488"}],"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=4488"}],"version-history":[{"count":0,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/posts\/4488\/revisions"}],"wp:attachment":[{"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/media?parent=4488"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/categories?post=4488"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/advisorsmortgage.com\/es\/wp-json\/wp\/v2\/tags?post=4488"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}