{"id":3971,"date":"2023-03-14T19:23:53","date_gmt":"2023-03-14T19:23:53","guid":{"rendered":"https:\/\/heideinternati.wpengine.com\/?page_id=3971"},"modified":"2023-03-14T19:30:08","modified_gmt":"2023-03-14T19:30:08","slug":"todavia-puedes-calificar-para-una-hipoteca-2","status":"publish","type":"page","link":"https:\/\/heideinternational.com\/es\/todavia-puedes-calificar-para-una-hipoteca-2\/","title":{"rendered":"A\u00fan puede optar a una hipoteca"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"3971\" class=\"elementor elementor-3971\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ccae8fe elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ccae8fe\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b8e6008\" data-id=\"b8e6008\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9d87a9d elementor-widget elementor-widget-heading\" data-id=\"9d87a9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">\u00bfNo tiene solvencia? A\u00fan puede obtener una hipoteca<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c4f8c32 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c4f8c32\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-127d703\" data-id=\"127d703\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6152956 elementor-widget elementor-widget-video\" data-id=\"6152956\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<iframe class=\"elementor-video-iframe\" allowfullscreen allow=\"clipboard-write\" title=\"vimeo Video Player\" src=\"https:\/\/player.vimeo.com\/video\/808059243?color&amp;autopause=0&amp;loop=0&amp;muted=0&amp;title=1&amp;portrait=1&amp;byline=1#t=\"><\/iframe>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-379cd88 elementor-widget elementor-widget-text-editor\" data-id=\"379cd88\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>A\u00fan puede optar a una hipoteca sin puntuaci\u00f3n crediticia. <\/strong><\/p><p>Si usted es un prestatario que no utiliza el cr\u00e9dito tradicional, pero tiene un historial de pagos ejemplar con el alquiler y otros acreedores no declarantes, que pueden incluir servicios p\u00fablicos, compa\u00f1\u00edas de seguros y facturas de tel\u00e9fono, as\u00ed como una serie de otros acreedores verificables. Entonces podr\u00e1 utilizar su cr\u00e9dito no tradicional para optar a una hipoteca. Es importante saber que los prestamistas siguen teniendo en cuenta cualquier referencia crediticia negativa que aparezca en el informe crediticio: -No puede haber retrasos de 30 d\u00edas en los pagos de alquiler en los \u00faltimos 12 meses. -S\u00f3lo otra cuenta puede tener una morosidad de 30 d\u00edas en los \u00faltimos 12 meses. -No debe haber cobros (excepto cobros m\u00e9dicos) ni sentencias en los \u00faltimos 24 meses. -Las sentencias, embargos, cobros y cancelaciones de cuentas no hipotecarias deben satisfacerse de acuerdo con las directrices. -La propiedad debe ser una residencia principal de una sola unidad, y todos los prestatarios deben ocupar la propiedad. -Se permiten todos los tipos de propiedad, pero NO casas m\u00f3viles. -Debe ser una compra o una refinanciaci\u00f3n limitada. -Debe ser una hipoteca de tasa fija con el pago inicial de 10% o m\u00e1s. -La relaci\u00f3n entre ingresos y deuda no puede ser superior a 40%. -Se pueden requerir reservas. Por \u00faltimo, hay un programa que permite a los prestatarios prudentes que odian estar en deuda para obtener una hipoteca sin tener que construir un historial de cr\u00e9dito tradicional para mostrar una puntuaci\u00f3n de cr\u00e9dito.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>No Credit Score? You Can Still Qualify for a Mortgage https:\/\/vimeo.com\/808059243 You can still qualify for a mortgage without a credit score. If you are a borrower who doesn\u2019t use traditional credit but have exemplary payment history with rent and other non-reporting creditors, which can include Utilities, insurance carriers, and phone bills as well as [&hellip;]<\/p>","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3971","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>You Can Still Qualify for a Mortgage - Heide International LLC<\/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:\/\/heideinternational.com\/es\/todavia-puedes-calificar-para-una-hipoteca-2\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"You Can Still Qualify for a Mortgage - Heide International LLC\" \/>\n<meta property=\"og:description\" content=\"No Credit Score? You Can Still Qualify for a Mortgage https:\/\/vimeo.com\/808059243 You can still qualify for a mortgage without a credit score. 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