{"id":6333,"date":"2024-04-03T20:22:00","date_gmt":"2024-04-03T20:22:00","guid":{"rendered":"https:\/\/thedocegroup.com\/?p=6333"},"modified":"2024-07-12T09:08:40","modified_gmt":"2024-07-12T09:08:40","slug":"compare-4-opciones-de-prestamos-con-bajo-pago-inicial-excluyendo-fha","status":"publish","type":"post","link":"https:\/\/thedocegroup.com\/es\/compare-4-low-down-payment-loan-options-excluding-fha\/","title":{"rendered":"Compare 4 opciones de pr\u00e9stamos con bajo pago inicial, excluida la FHA"},"content":{"rendered":"<p>Muchas personas creen que los programas de pr\u00e9stamos de la FHA son los \u00fanicos programas de pr\u00e9stamos con bajo pago inicial. Aunque el programa de pr\u00e9stamos de la FHA es excelente, no tiene que resignarse a ahorrar 20% de entrada si la propiedad que le interesa no es apta para un pr\u00e9stamo de la FHA.&nbsp;<\/p>\n\n\n\n<p>Fannie Mae y Freddie Mac ofrecen otros programas excelentes que pueden interesarle. Muchos le permiten comprar propiedades como d\u00faplex, cu\u00e1druples o casas prefabricadas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Fannie Mae HomeReady<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/singlefamily.fanniemae.com\/originating-underwriting\/mortgage-products\/homeready-mortgage?utm_campaign=pte-sf-homeready-202401&amp;utm_source=googleads&amp;utm_medium=cpc&amp;utm_content=prs-sea-hrfmbee-n-len-HomeReady%7CHMRD%7CSEM%7CBrand&amp;utm_term=fannie%20mae%20homeready&amp;gad_source=1&amp;gclid=Cj0KCQjwwYSwBhDcARIsAOyL0fhPrm4At5Ul-BqBcvKWsI_gEZPsvnzLDL1BPdlDOE0i-36JWNeKcHcaAn4OEALw_wcB&amp;gclsrc=aw.ds\">El programa HomeReady<\/a> est\u00e1 dise\u00f1ado principalmente para compradores con bajos ingresos y poco dinero para el pago inicial. Los pagos iniciales pueden provenir de fuentes tales como regalos o subvenciones. Tambi\u00e9n puede calificar con ingresos de alquiler o pensionista, incluso si su inquilino o pensionista estar\u00eda viviendo en una ADU.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>HomeReady requiere un pago inicial de 3%.<\/li>\n\n\n\n<li>Tendr\u00e1 que pagar un seguro hipotecario cancelable hasta que su patrimonio alcance 20%.<\/li>\n\n\n\n<li>Sin restricciones geogr\u00e1ficas.<\/li>\n\n\n\n<li>Si todos los prestatarios ocupantes son compradores de su primera vivienda, al menos uno de ellos debe recibir formaci\u00f3n sobre la propiedad de la vivienda.<\/li>\n\n\n\n<li>Puede asociarse con compradores no ocupantes, como los padres.<\/li>\n<\/ul>\n\n\n\n<p>Puede utilizar el programa HomeReady para comprar una vivienda prefabricada o una vivienda tradicional.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Norma 97 de Fannie Mae<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/singlefamily.fanniemae.com\/originating-underwriting\/mortgage-products\/97-loan-value-options\">La opci\u00f3n Fannie Mae Standard 97<\/a> requiere que al menos uno de los prestatarios sea un comprador de vivienda por primera vez, pero ofrece una opci\u00f3n de bajo pago inicial sin l\u00edmites de ingresos.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Requiere un pago inicial de 3%.<\/li>\n\n\n\n<li>Requiere seguro hipotecario.<\/li>\n\n\n\n<li>Si todos los prestatarios son compradores de vivienda por primera vez, al menos uno de ellos debe completar la educaci\u00f3n para compradores de vivienda.<\/li>\n\n\n\n<li>Permite a los prestatarios obtener ayuda para el pago inicial y los costes de cierre de terceras fuentes.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Este programa le permite adquirir una amplia variedad de tipos de vivienda, incluida una residencia principal est\u00e1ndar, un condominio, una cooperativa, un PUD o una vivienda prefabricada est\u00e1ndar.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Freddie Mac HomeOne<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/sf.freddiemac.com\/working-with-us\/origination-underwriting\/mortgage-products\/home-one\">HomeOne<\/a> est\u00e1 dise\u00f1ado para compradores de primera vivienda que necesitan una financiaci\u00f3n flexible.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Requiere un pago inicial de 3%.<\/li>\n\n\n\n<li>Sin l\u00edmites geogr\u00e1ficos.<\/li>\n\n\n\n<li>Sin l\u00edmite de ingresos.\u00a0\u00a0<\/li>\n\n\n\n<li>Permite al prestatario utilizar programas de ayuda al pago inicial.<\/li>\n\n\n\n<li>Requiere seguro hipotecario.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>HomeOne le permite adquirir viviendas unifamiliares, adosadas o en condominio.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Freddie Mac Home Posible<\/strong><\/h2>\n\n\n\n<p>En <a href=\"https:\/\/sf.freddiemac.com\/working-with-us\/origination-underwriting\/mortgage-products\/home-possible\">Inicio Posible<\/a> es uno de los programas hipotecarios de bajo pago inicial m\u00e1s flexibles.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Requiere un pago inicial de 3%.<\/li>\n\n\n\n<li>Los pagos iniciales pueden proceder de m\u00faltiples fuentes, como familiares, empleadores y financiaci\u00f3n secundaria.<\/li>\n\n\n\n<li>Limitado a prestatarios con bajos ingresos.<\/li>\n\n\n\n<li>El seguro hipotecario es obligatorio, pero puede cancelarse una vez que el prestatario alcance un capital propio de 20%.\u00a0<\/li>\n<\/ul>\n\n\n\n<p>Puede utilizar este programa para comprar edificios de 1 a 4 unidades, condominios, cooperativas, urbanizaciones planificadas y determinadas casas prefabricadas.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Elegir el programa adecuado<\/strong><\/h2>\n\n\n\n<p>Cuando hay tantos programas disponibles, puede resultar dif\u00edcil elegir el m\u00e1s adecuado para usted y su familia.&nbsp;<\/p>\n\n\n\n<p>Afortunadamente, usted no tiene que navegar por estas complejidades solo. Alex Doce puede ayudarle a elegir el programa de pr\u00e9stamos hipotecarios con bajo pago inicial que sea adecuado para su familia y para el tipo de propiedad que desea comprar.&nbsp;<br>Alex le proporcionar\u00e1 los recursos y el apoyo que necesita para que le aprueben un pr\u00e9stamo. <a href=\"https:\/\/thedocegroup.com\/contact\/\">Programe hoy mismo su consulta personal.<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Many people believe that FHA loan programs are the only low-down-payment loan programs. While the FHA loan program is an excellent one, you don&#8217;t have to resign yourself to saving 20% down if the property you are interested in isn&#8217;t suitable for an FHA loan.&nbsp; Fannie Mae and Freddie Mac offer several other excellent programs [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6334,"comment_status":"open","ping_status":"open","sticky":false,"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-6333","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=\"The FHA loan program isn&#039;t the only low-down-payment loan program. 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