Tipos de préstamos hipotecarios

Hucha dorada junto a una casa.

There are many types of mortgage loans available to people looking to buy a house. Depending on your current financial situation and personal preferences, there is an option that could be right for you. Some types of mortgages include adjustable-rate mortgages (ARMs), fixed-rate mortgages, FHA loans, and VA loans. ARMs have an interest rate that […]

¿Qué son los gastos de cierre de una hipoteca?

Casa en miniatura, con dólares y la palabra "Hipoteca" en Lego al lado.

What Are Mortgage Closing Costs? Mortgage closing costs can be thought of as the fees that come due during the mortgage process at the time of closing the mortgage agreement. Such costs typically include an origination fee from the mortgage lender, third-party fees for services like appraisals, loan officer review and processing, title search, credit […]

¿Qué son los impuestos sobre bienes inmuebles?

Hombre con casa en miniatura entre las manos.

What Are Property Taxes As a general definition, property taxes are imposed by governments, usually at the state and municipal levels, on real estate owned by individuals. Property taxes have been around for quite some time. Your monthly mortgage payment can be less than your yearly property tax bill in certain parts of the nation. […]

Cómo protege su hipoteca la Oficina de Protección Financiera del Consumidor

Mano sosteniendo casa en miniatura.

How Does The Consumer Financial Protection Bureau Protect Your Mortgage? The Consumer Financial Protection Bureau (CFPB) was established in 2011 to protect consumers from unfair, deceptive, and abusive practices in the financial sector. One area of focus for the CFPB is on mortgage lenders and servicers. The CFPB sets standards for responsible lending and helps […]

¿Qué es un HELOC?

Una mano con una casa en miniatura y otra con dinero.

What is a HELOC? A HELOC works like a credit card: you are given an approved limit which you can borrow against at any time. The lender will review your application and determine how much they are willing to lend you based on the amount of equity in your home. Once the limit is established, […]

¿Qué son Fannie Mae y Freddie Mac?

Persona que sostiene una casa en miniatura

Fannie Mae You’ve undoubtedly heard of Fannie Mae, also known as the Federal National Mortgage Association, whether you’re in the market to purchase a home, refinance a property, or just follow the news (FNMA). Even if you’re unfamiliar with how Fannie Mae operates, you’re probably aware that it plays a large role in the housing […]

How Long Does The Mortgage Process Take?

Scrabble pieces spelling "Housing Loan"

When you’re in the process of applying for a mortgage, it’s a good idea to evaluate your finances and create a budget. Then, to find out how much you may borrow, apply for a preapproval. Here’s what to anticipate at each stage of this particular section of the mortgage application process:   Examine your financial […]

Todo lo que debe saber como comprador de vivienda por primera vez

Una casa en miniatura

Para los compradores primerizos, el proceso de compra de una casa puede resultar complicado. Al fin y al cabo, hay muchas cosas que hacer y requisitos previos que cumplir, y puede que le preocupe cometer un error costoso. Sin embargo, existen varias ventajas adaptadas específicamente a los propietarios primerizos que existen para atraer [...]