{"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":"you-can-still-qualify-for-a-mortgage-voce-ainda-pode-se-qualificar-para-um-financiamento-2","status":"publish","type":"page","link":"https:\/\/heideinternational.com\/pt\/you-can-still-qualify-for-a-mortgage-voce-ainda-pode-se-qualificar-para-um-financiamento-2\/","title":{"rendered":"Voc\u00ea ainda pode se qualificar para um financiamento imobili\u00e1rio"},"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\">N\u00e3o tem pontua\u00e7\u00e3o de cr\u00e9dito? Voc\u00ea ainda pode se qualificar para um financiamento imobili\u00e1rio<\/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>Voc\u00ea ainda pode se qualificar para uma hipoteca sem uma pontua\u00e7\u00e3o de cr\u00e9dito. <\/strong><\/p><p>Se voc\u00ea \u00e9 um mutu\u00e1rio que n\u00e3o usa cr\u00e9dito tradicional, mas tem um hist\u00f3rico exemplar de pagamento de aluguel e de outros credores n\u00e3o declarados, que podem incluir servi\u00e7os p\u00fablicos, seguradoras e contas telef\u00f4nicas, bem como uma s\u00e9rie de outros credores verific\u00e1veis. Ent\u00e3o, voc\u00ea pode usar seu cr\u00e9dito n\u00e3o tradicional para se qualificar para uma hipoteca. \u00c9 importante saber que os credores ainda consideram quaisquer refer\u00eancias de cr\u00e9dito depreciativas que apare\u00e7am no relat\u00f3rio de cr\u00e9dito: -N\u00e3o pode haver atrasos de 30 dias nos pagamentos de aluguel nos \u00faltimos 12 meses. -Apenas uma outra conta pode ter uma inadimpl\u00eancia de 30 dias nos \u00faltimos 12 meses. -N\u00e3o pode haver cobran\u00e7as (exceto cobran\u00e7as m\u00e9dicas) ou senten\u00e7as nos \u00faltimos 24 meses. -As senten\u00e7as, penhoras, cobran\u00e7as e baixas de contas n\u00e3o hipotec\u00e1rias devem ser satisfeitas de acordo com as diretrizes. -A propriedade deve ser uma unidade, resid\u00eancia principal, e todos os mutu\u00e1rios devem ocupar a propriedade. -Todos os tipos de propriedade s\u00e3o permitidos, mas N\u00c3O casas m\u00f3veis. -Deve ser uma compra ou um refinanciamento limitado de saque. -O valor do empr\u00e9stimo deve atender aos limites de empr\u00e9stimo em conformidade. -Deve ser uma hipoteca de taxa fixa com entrada de 10% ou mais. -Os \u00edndices de renda e d\u00edvida n\u00e3o podem ser superiores a 40%. -Podem ser exigidas reservas. Por fim, h\u00e1 um programa que permite que mutu\u00e1rios prudentes que n\u00e3o gostam de se endividar obtenham uma hipoteca sem precisar criar um hist\u00f3rico de cr\u00e9dito tradicional para apresentar uma pontua\u00e7\u00e3o 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\/pt\/you-can-still-qualify-for-a-mortgage-voce-ainda-pode-se-qualificar-para-um-financiamento-2\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\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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