{"id":5087,"date":"2025-09-26T09:58:08","date_gmt":"2025-09-26T13:58:08","guid":{"rendered":"https:\/\/advisorsmortgage.com\/?p=5087"},"modified":"2025-09-26T09:58:08","modified_gmt":"2025-09-26T13:58:08","slug":"how-renovation-loan-works-fixer-upper-dream-home","status":"publish","type":"post","link":"https:\/\/advisorsmortgage.com\/es\/knowledge-base\/how-renovation-loan-works-fixer-upper-dream-home\/","title":{"rendered":"C\u00f3mo funciona un pr\u00e9stamo para renovaci\u00f3n: C\u00f3mo convertir una casa que necesita reformas en la casa de sus sue\u00f1os"},"content":{"rendered":"

Comprar una casa que necesita mejoras, o renovarla a fondo, puede resultar abrumador al pensar en los costos. Ah\u00ed es donde entra en juego un pr\u00e9stamo para renovaci\u00f3n. A diferencia de una hipoteca tradicional o un pr\u00e9stamo personal, los pr\u00e9stamos para renovaci\u00f3n est\u00e1n dise\u00f1ados espec\u00edficamente para ayudar a los propietarios a financiar tanto la compra (o refinanciamiento) de una vivienda como el costo de las mejoras, todo en un solo paquete.<\/p>\n

\u00bfQu\u00e9 es un pr\u00e9stamo de renovaci\u00f3n?<\/h2>\n

Un pr\u00e9stamo para renovaci\u00f3n combina el dinero que necesita para comprar o refinanciar una vivienda con los fondos necesarios para cubrir reparaciones, remodelaciones o mejoras. En lugar de solicitar varios pr\u00e9stamos, obtiene una \u00fanica hipoteca que lo agrupa todo.<\/p>\n

C\u00f3mo funciona<\/h2>\n
    \n
  1. Comience con una evaluaci\u00f3n.<\/strong> El prestamista no solo tiene en cuenta el valor actual de la casa, sino tambi\u00e9n su valor despu\u00e9s de la renovaci\u00f3n, es decir, su valor una vez que se completen las mejoras.<\/li>\n
  2. El monto del pr\u00e9stamo se basa en el valor futuro.<\/strong> Debido a que la tasaci\u00f3n tiene en cuenta las mejoras planificadas, es posible que pueda pedir prestado m\u00e1s que el valor actual de la vivienda.<\/li>\n
  3. Se reservan fondos para el proyecto.<\/strong> Al cierre, parte de su pr\u00e9stamo paga la casa (si est\u00e1 compr\u00e1ndola o refinanciando) y los fondos de renovaci\u00f3n se colocan en una cuenta de dep\u00f3sito en garant\u00eda.<\/li>\n
  4. Comienzan las renovaciones.<\/strong> A medida que avanza el trabajo, a los contratistas se les paga en etapas, a menudo despu\u00e9s de que las inspecciones confirman que el trabajo se complet\u00f3 seg\u00fan el est\u00e1ndar.<\/li>\n
  5. Disfrute de su hogar actualizado.<\/strong> Una vez finalizado el proyecto, solo queda un pago de hipoteca que cubre tanto la propiedad como las mejoras.<\/li>\n<\/ol>\n

    Usos comunes de los pr\u00e9stamos para renovaci\u00f3n<\/h2>\n
      \n
    • Actualizaci\u00f3n de cocinas y ba\u00f1os<\/li>\n
    • Agregar nuevos pisos, techos o ventanas<\/li>\n
    • Ampliar el espacio habitable o terminar un s\u00f3tano<\/li>\n
    • Modernizaci\u00f3n de sistemas obsoletos (fontaner\u00eda, electricidad, HVAC)<\/li>\n
    • Realizar actualizaciones de eficiencia energ\u00e9tica<\/li>\n<\/ul>\n

      Tipos de pr\u00e9stamos para renovaci\u00f3n<\/h2>\n
        \n
      • FHA 203(k):<\/strong> Un pr\u00e9stamo respaldado por el gobierno ideal para compradores con puntajes de cr\u00e9dito m\u00e1s bajos o pagos iniciales m\u00e1s peque\u00f1os.<\/li>\n
      • Pr\u00e9stamo de renovaci\u00f3n Fannie Mae HomeStyle\u00ae:<\/strong> Ofrece flexibilidad para una amplia gama de proyectos de renovaci\u00f3n, incluidas actualizaciones de lujo.<\/li>\n
      • Pr\u00e9stamo de renovaci\u00f3n VA:<\/strong> Para veteranos y miembros del servicio elegibles que buscan mejorar una casa con beneficios de VA.<\/li>\n<\/ul>\n

        \u00bfPor qu\u00e9 considerar un pr\u00e9stamo para renovaci\u00f3n?<\/h2>\n
          \n
        • Convierte una casa que necesita reformas en la casa de tus sue\u00f1os<\/li>\n
        • Aumente el valor de su casa<\/li>\n
        • Evite hacer malabarismos con m\u00faltiples pr\u00e9stamos<\/li>\n
        • Bloquee un solo pago mensual con las tasas de inter\u00e9s actuales<\/li>\n<\/ul>\n

          Un pr\u00e9stamo para renovaci\u00f3n puede ser una herramienta poderosa para compradores que ven el potencial de una vivienda, o para propietarios actuales que desean realizar mejoras importantes sin tener que recurrir a sus ahorros. Fix-It Mortgage, de Advisors Mortgage Group, cuenta con un equipo experimentado listo para guiarle en su proceso de pr\u00e9stamo para renovaci\u00f3n y ayudarle a adquirir la casa de sus sue\u00f1os.<\/p>","protected":false},"excerpt":{"rendered":"Comprar una casa que necesita algo de cuidado, o renovar a fondo la actual, puede resultar abrumador cuando se piensa en los costos. Ah\u00ed es donde entra en juego un pr\u00e9stamo para renovaci\u00f3n. A diferencia de... 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