{"id":6232,"date":"2024-03-10T15:19:22","date_gmt":"2024-03-10T15:19:22","guid":{"rendered":"https:\/\/thedocegroup.com\/?p=6232"},"modified":"2025-09-25T21:04:01","modified_gmt":"2025-09-25T21:04:01","slug":"volver-al-mercado-de-la-vivienda-tras-dificultades-crediticias","status":"publish","type":"post","link":"https:\/\/thedocegroup.com\/es\/getting-back-into-the-housing-market-after-credit-difficulties\/","title":{"rendered":"Volver al mercado de la vivienda tras dificultades crediticias"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6232\" class=\"elementor elementor-6232\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-55b13d4d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"55b13d4d\" data-element_type=\"section\" data-e-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-354bf9dc\" data-id=\"354bf9dc\" data-element_type=\"column\" data-e-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-339f7663 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"339f7663\" data-element_type=\"widget\" data-e-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>Contrariamente a la creencia popular, no es necesario tener un historial crediticio perfecto para comprar una casa. Es m\u00e1s importante entender lo que un evento crediticio adverso requerir\u00e1 de usted despu\u00e9s de que ocurra.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Despu\u00e9s de un evento de cr\u00e9dito adverso, por lo general:-<\/p>\n<ul>\n<li>Necesidad de respetar un periodo de carencia antes de suscribir una hipoteca<\/li>\n<li>Necesidad de utilizar ese tiempo para reconstruir su cr\u00e9dito tanto como sea posible.<\/li>\n<li>Necesita contratar la hipoteca adecuada a sus circunstancias espec\u00edficas<\/li>\n<\/ul>\n<div>\u00a0<\/div>\n<p>Un pr\u00e9stamo para eventos crediticios recientes ofrece criterios de elegibilidad m\u00e1s laxos que los pr\u00e9stamos convencionales. Estos pr\u00e9stamos tambi\u00e9n pueden permitirle entrar en el mercado de la compra de vivienda m\u00e1s r\u00e1pidamente de lo que permitir\u00edan los requisitos de los pr\u00e9stamos de la FHA o los de los pr\u00e9stamos convencionales. No obstante, es \u00fatil saber c\u00f3mo son los periodos de espera de la FHA y de los pr\u00e9stamos convencionales.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>\u00bfQu\u00e9 se considera un evento crediticio adverso?<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Cualquiera de los siguientes acontecimientos crediticios puede dificultar la concesi\u00f3n de determinadas hipotecas.<\/p>\n<ul>\n<li>Cap\u00edtulo 7<\/li>\n<li>Cap\u00edtulo 13<\/li>\n<li>Ventas al descubierto<\/li>\n<li>Ejecuci\u00f3n hipotecaria\u00a0<\/li>\n<li>Escritura en lugar de ejecuci\u00f3n hipotecaria<\/li>\n<li>Cancelaciones hipotecarias<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Nuestros pr\u00e9stamos para eventos crediticios recientes est\u00e1n dise\u00f1ados para ayudar a las personas que han sufrido alguno de estos eventos.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Cap\u00edtulo 7<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Para comprar una casa utilizando un pr\u00e9stamo de la FHA despu\u00e9s de una bancarrota del cap\u00edtulo 7, debe cumplir los siguientes requisitos.<\/p>\n<ul>\n<li>Cumplir un periodo de espera de dos a\u00f1os<\/li>\n<li>Hacer todos los pagos a tiempo durante esos dos a\u00f1os<\/li>\n<li>Alcanzar una puntuaci\u00f3n crediticia m\u00ednima de 580<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>Los pr\u00e9stamos convencionales requieren un per\u00edodo de espera de cuatro a\u00f1os a menos que pueda demostrar circunstancias atenuantes y, por lo general, le exigir\u00e1n que obtenga una puntuaci\u00f3n crediticia mucho m\u00e1s alta. Obtener una puntuaci\u00f3n crediticia alta no es imposible despu\u00e9s del Cap\u00edtulo 7, pero debe tener en cuenta que los requisitos son m\u00e1s estrictos.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Cap\u00edtulo 13\u00a0<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Algunas personas pueden solicitar un pr\u00e9stamo de la FHA un a\u00f1o en su per\u00edodo de reembolso del Cap\u00edtulo 13, con la aprobaci\u00f3n del fideicomisario.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Si ha finalizado su plan de reembolso del Cap\u00edtulo 13, puede solicitar un pr\u00e9stamo de la FHA sin per\u00edodo de espera.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Usted puede solicitar un pr\u00e9stamo convencional dos a\u00f1os a partir de la fecha de descarga. Si su bancarrota del Cap\u00edtulo 13 fue desestimada en lugar de descargada, debe esperar cuatro a\u00f1os a partir de la fecha de desestimaci\u00f3n.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Ventas al descubierto, escrituras de retrocesi\u00f3n o impagos<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Los prestamistas de la FHA le exigir\u00e1n que se someta a un per\u00edodo de carencia de tres a\u00f1os a partir de la fecha registrada del suceso.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Los prestamistas convencionales exigir\u00e1n un per\u00edodo de espera de cuatro a\u00f1os despu\u00e9s de una escritura en lugar de un evento, una venta previa a la ejecuci\u00f3n hipotecaria (venta corta), o un cargo de cualquier cuenta de la hipoteca. Si puede aportar pruebas de circunstancias atenuantes, es posible que pueda reducir ese per\u00edodo de espera a dos a\u00f1os.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Ejecuci\u00f3n hipotecaria<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Usted puede solicitar un pr\u00e9stamo de la FHA tres a\u00f1os despu\u00e9s de la ejecuci\u00f3n hipotecaria.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Los pr\u00e9stamos convencionales requerir\u00e1n un per\u00edodo de espera de siete a\u00f1os despu\u00e9s de una ejecuci\u00f3n hipotecaria. Si usted puede proporcionar evidencia de circunstancias atenuantes, es posible que pueda reducir que a un per\u00edodo de espera de tres a\u00f1os.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Reconstruir el cr\u00e9dito<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Si desea comprar una casa despu\u00e9s de un evento de cr\u00e9dito adverso, es ventajoso aumentar su puntuaci\u00f3n de cr\u00e9dito tanto como sea posible.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Aumentar su puntuaci\u00f3n puede abrirle opciones y darle derecho a tipos de inter\u00e9s m\u00e1s bajos.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Adem\u00e1s, el pr\u00e9stamo de la FHA puede no ser adecuado para sus circunstancias, ya que tienen l\u00edmites de pr\u00e9stamo m\u00e1s bajos y requieren que usted utilice el seguro hipotecario, incluso cuando poner 20% o m\u00e1s.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Es posible que pueda reconstruir su cr\u00e9dito contratando una peque\u00f1a tarjeta de cr\u00e9dito garantizada, utilizando una parte muy peque\u00f1a de su cr\u00e9dito disponible y pagando la tarjeta puntualmente, en su totalidad, cada mes.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Elegir el pr\u00e9stamo adecuado\u00a0<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Nuestros pr\u00e9stamos para eventos de cr\u00e9dito recientes ofrecen periodos de espera m\u00e1s cortos en comparaci\u00f3n con los pr\u00e9stamos convencionales.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Evaluamos los pr\u00e9stamos caso por caso y utilizamos criterios de elegibilidad m\u00e1s laxos. Trabajar en torno a sus problemas de cr\u00e9dito puede significar guiarle para solicitar un pr\u00e9stamo de la FHA o puede significar ayudarle a obtener un pr\u00e9stamo hipotecario a trav\u00e9s de uno de nuestros otros programas.\u00a0\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Si no va a contratar un <a title=\"\" href=\"https:\/\/thedocegroup.com\/fha-loans\/\">Pr\u00e9stamo FHA<\/a>Tendr\u00e1s que planificar en consecuencia. Es posible que necesite un pago inicial mayor y que tenga que pagar tipos de inter\u00e9s m\u00e1s altos. No obstante, tendr\u00e1 una segunda oportunidad de poseer una vivienda despu\u00e9s de las dificultades recientes.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>No pierda la esperanza. Encuentre el pr\u00e9stamo hipotecario adecuado programando una consulta con <a title=\"\" href=\"https:\/\/g.page\/r\/Caqw1nYAs-VQEBM\/review\">Alex Doce<\/a> hoy.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><\/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>Contrary to popular belief, you do not have to have a perfect credit history in order to buy a house. It&#8217;s more important to understand what an adverse credit event will require of you after it happens. After an adverse credit event, you will generally:- Need to observe a waiting period before you take out [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6233,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"inline_featured_image":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6232","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 4.9.6.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"It is possible to obtain a home loan after bankruptcy, foreclosure, or short sales. Different options may be available to you. 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