{"id":6882,"date":"2024-10-31T21:06:53","date_gmt":"2024-10-31T21:06:53","guid":{"rendered":"https:\/\/thedocegroup.com\/?p=6882"},"modified":"2025-09-26T15:27:03","modified_gmt":"2025-09-26T15:27:03","slug":"que-es-la-ley-de-procedimientos-de-liquidacion-de-bienes-inmuebles","status":"publish","type":"post","link":"https:\/\/thedocegroup.com\/es\/what-is-the-real-estate-settlement-procedures-act\/","title":{"rendered":"\u00bfQu\u00e9 es la Ley de Procedimientos de Liquidaci\u00f3n de Bienes Inmuebles?"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"6882\" class=\"elementor elementor-6882\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7428f94 e-flex e-con-boxed e-con e-parent\" data-id=\"7428f94\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-965eab5 elementor-widget elementor-widget-text-editor\" data-id=\"965eab5\" 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>Cuando contrata una hipoteca en Estados Unidos, puede hacerlo sabiendo que disfruta de muchas protecciones legales. Una de esas protecciones procede de la Real Estate Settlement Procedures Act (RESPA) de 1974.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>RESPA exige a los prestamistas hipotecarios que revelen todos los costes del pr\u00e9stamo. Tambi\u00e9n proh\u00edbe las comisiones ilegales, limita los requisitos de las cuentas de garant\u00eda bloqueada e impide los requisitos de seguro de t\u00edtulo preferente.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Informaci\u00f3n obligatoria<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>RESPA exige a los prestamistas que faciliten la siguiente informaci\u00f3n:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Una actualizaci\u00f3n <a href=\"https:\/\/www.consumerfinance.gov\/rules-policy\/regulations\/1024\/6\/\" target=\"_blank\" rel=\"noopener\">Folleto de informaci\u00f3n especial<\/a> que proporciona informaci\u00f3n sobre la hipoteca y el proceso de cierre<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Una declaraci\u00f3n de todos los costes de cierre del pr\u00e9stamo<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Una estimaci\u00f3n del pr\u00e9stamo\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>La Estimaci\u00f3n de Pr\u00e9stamo debe incluir la siguiente informaci\u00f3n:<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:list --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\"><!-- wp:list-item --><\/ul>\n<\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Las condiciones del pr\u00e9stamo<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>El importe del pr\u00e9stamo<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Todos los gastos de origen<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Estimaci\u00f3n de los pagos mensuales<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Principal<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Inter\u00e9s<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Seguro hipotecario<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Gastos de cierre<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><!-- wp:list-item --><\/p>\n<ul class=\"wp-block-list\">\n<li style=\"list-style-type: none;\">\n<ul class=\"wp-block-list\">\n<li>Contabilizaci\u00f3n en custodia de los impuestos sobre la propiedad, el seguro del propietario y el seguro contra inundaciones<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><!-- \/wp:list-item --><\/p>\n<p><!-- \/wp:list --><!-- wp:paragraph --><\/p>\n<p>En t\u00e9rminos m\u00e1s sencillos, un prestamista hipotecario debe decirle exactamente lo que va a pagar y por qu\u00e9 antes de que firme en la l\u00ednea de puntos.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>V\u00e9ase tambi\u00e9n: <a href=\"https:\/\/thedocegroup.com\/what-is-a-mortgage-note\/\" target=\"_blank\" rel=\"noopener\">\u00bfQu\u00e9 son las c\u00e9dulas hipotecarias? Informaci\u00f3n esencial para los compradores de vivienda\u00a0<\/a><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Prevenci\u00f3n del soborno<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Un proveedor de hipotecas no puede pagar a un agente inmobiliario u otro profesional para que le traiga negocio.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>La raz\u00f3n por la que la RESPA proh\u00edbe esta pr\u00e1ctica es garantizar que los consumidores no se vean presionados a aceptar un pr\u00e9stamo hipotecario u otro por una persona que les recomiende de forma sesgada, sino que tomen decisiones informadas que les permitan buscar la mejor oferta.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Es imposible tomar una decisi\u00f3n con conocimiento de causa cuando no se sabe si su agente inmobiliario de confianza est\u00e1 ganando dinero con el pr\u00e9stamo que usted elige. Tampoco pueden recibir regalos ni objetos de ning\u00fan valor. Ya sean $10 o $1.000.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Eso no quiere decir que su agente inmobiliario no pueda recomendarle un prestamista. Muchos lo hacen. Pero no pueden ganar dinero con esa relaci\u00f3n. Pueden hacer publicidad conjunta, recomendar proveedores sin cobrar honorarios, aprovechar las actividades de promoci\u00f3n cruzada, vender espacios publicitarios en los sitios web de la otra parte a cambio de una comisi\u00f3n y una declaraci\u00f3n, y distribuir material de marketing de la empresa.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>V\u00e9ase tambi\u00e9n: <a href=\"https:\/\/thedocegroup.com\/what-role-do-real-estate-agents-play-during-the-home-buying-process\/\" target=\"_blank\" rel=\"noopener\">\u00bfQu\u00e9 papel desempe\u00f1an los agentes inmobiliarios durante el proceso de compra de una vivienda?<\/a><\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Reglamento del fondo de garant\u00eda bloqueado<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Aunque los prestamistas y los servicios de pr\u00e9stamo pueden recaudar fondos para pagar los impuestos sobre la propiedad, el seguro de la vivienda y las cuentas en custodia, deben seguir una normativa estricta cuando lo hacen.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Pueden exigir un colch\u00f3n de 2-3 meses de pagos que equivalgan a 1\/12 del importe total anual.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Si paga de m\u00e1s, los prestamistas o los servicios de pr\u00e9stamo deben reembolsarle el importe pagado de m\u00e1s.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Prohibici\u00f3n de preferencias\u00a0<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Muchos prestamistas y agentes inmobiliarios tambi\u00e9n tienen relaciones profesionales con empresas de t\u00edtulos. Pero no pueden obligarle a utilizar la compa\u00f1\u00eda de t\u00edtulos de su elecci\u00f3n. Los vendedores pueden elegir al agente liquidador si pagan el seguro del t\u00edtulo.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>De nuevo, el agente puede sugerirte una compa\u00f1\u00eda de t\u00edtulos. Pero si quieres utilizar una distinta y eres t\u00fa quien la paga, no pueden negarse a seguir adelante insistiendo en que utilices la empresa que ellos elijan.\u00a0<\/p>\n<h2><strong>\u00bfQu\u00e9 proh\u00edbe la RESPA?<\/strong><\/h2>\n<p data-start=\"81\" data-end=\"369\">RESPA proh\u00edbe pr\u00e1cticas desleales como comisiones ilegales, pagos por remisi\u00f3n y cargos por servicios que nunca se prestaron. Por ejemplo, el art\u00edculo 8 proh\u00edbe dar o recibir dinero, regalos o cualquier otra cosa de valor a cambio de enviar clientes a una empresa de servicios de liquidaci\u00f3n.<\/p>\n<p data-start=\"371\" data-end=\"590\">La ley tambi\u00e9n controla c\u00f3mo se gestionan las cuentas de dep\u00f3sito en garant\u00eda. Los gestores de pr\u00e9stamos no pueden exigir m\u00e1s dinero del necesario para la plica. Adem\u00e1s, los vendedores no pueden obligar a los compradores a utilizar una compa\u00f1\u00eda de seguros espec\u00edfica.<\/p>\n<h3><strong>Marketing y patrocinio<\/strong><\/h3>\n<p data-start=\"100\" data-end=\"377\">La RESPA permite a agentes y prestamistas hacer publicidad juntos, pero cada parte debe pagar la parte que le corresponde de los costes. Si una de las partes paga m\u00e1s de lo que le corresponde, no est\u00e1 permitido. El patrocinio de eventos tambi\u00e9n puede ser un problema si una de las partes utiliza el evento principalmente para publicitar sus propios servicios.<\/p>\n<p data-start=\"379\" data-end=\"647\">Los corredores y los agentes de t\u00edtulos no pueden celebrar acuerdos de comercializaci\u00f3n en los que una de las partes cobre m\u00e1s que el valor real del trabajo de comercializaci\u00f3n. Asimismo, un proveedor de servicios de liquidaci\u00f3n no puede alquilar un espacio de oficina a otro proveedor a menos que pague el precio justo de mercado por ese espacio.<\/p>\n<h3 data-start=\"654\" data-end=\"673\"><strong>Tasas de remisi\u00f3n<\/strong><\/h3>\n<ul data-start=\"674\" data-end=\"899\">\n<li data-start=\"674\" data-end=\"756\">\n<p data-start=\"676\" data-end=\"756\">Los intermediarios no pueden pagar a los agentes para que env\u00eden clientes a su compa\u00f1\u00eda hipotecaria afiliada.<\/p>\n<\/li>\n<li data-start=\"757\" data-end=\"808\">\n<p data-start=\"759\" data-end=\"808\">Los corredores no pueden pagar a otros corredores por sus recomendaciones.<\/p>\n<\/li>\n<li data-start=\"809\" data-end=\"899\">\n<p data-start=\"811\" data-end=\"899\">Los prestamistas no pueden dar regalos, dinero o incentivos a los agentes por enviarles compradores de vivienda.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"901\" data-end=\"973\">Todo ello se considera soborno y no est\u00e1 permitido por la RESPA.<\/p>\n<h3 data-start=\"980\" data-end=\"1018\"><strong>Acuerdos comerciales con filiales<\/strong><\/h3>\n<ul data-start=\"1019\" data-end=\"1534\">\n<li data-start=\"1019\" data-end=\"1310\">\n<p data-start=\"1021\" data-end=\"1310\">Si un corredor remite a un cliente a una empresa de t\u00edtulos con la que est\u00e1 relacionado, debe informar claramente al cliente de esta relaci\u00f3n. Tambi\u00e9n deben explicar los honorarios de la empresa y su propio inter\u00e9s financiero en ella. Los clientes deben saber que son libres de elegir otra empresa.<\/p>\n<\/li>\n<li data-start=\"1311\" data-end=\"1401\">\n<p data-start=\"1313\" data-end=\"1401\">Los corredores y las empresas de t\u00edtulos no pueden montar negocios falsos para ganar dinero con las referencias.<\/p>\n<\/li>\n<li data-start=\"1402\" data-end=\"1534\">\n<p data-start=\"1404\" data-end=\"1534\">Los prestamistas no pueden obligar a los prestatarios a utilizar sus proveedores de servicios afiliados, pero pueden ofrecer descuentos si los clientes los eligen.<\/p>\n<\/li>\n<\/ul>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>\u00bfQui\u00e9n hace cumplir la RESPA?<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>La Oficina de Protecci\u00f3n Financiera del Consumidor (CFPB) hace cumplir la RESPA. Si cree que su prestamista o agente inmobiliario ha infringido la ley, puede presentar una queja en l\u00ednea. Tambi\u00e9n puede contratar a un abogado inmobiliario para iniciar una demanda civil por su cuenta. Tiene un a\u00f1o para presentar la demanda.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>La CFPB puede demandarle en un plazo de tres a\u00f1os, pero usted no tiene por qu\u00e9 beneficiarse de tal demanda.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>V\u00e9ase tambi\u00e9n: El papel de la Oficina de Protecci\u00f3n Financiera del Consumidor en los pr\u00e9stamos hipotecarios<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>\u00bfQu\u00e9 ocurre con los prestamistas que infringen la RESPA?<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Los infractores de la RESPA pueden verse obligados a pagar multas y\/o reembolsar cuentas de consumidores. Tambi\u00e9n pueden enfrentarse a demandas judiciales. En casos graves, los infractores de la RESPA pueden incluso ir a la c\u00e1rcel.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:heading --><\/p>\n<h2 class=\"wp-block-heading\"><strong>Prot\u00e9jase con la hipoteca adecuada\u00a0<\/strong><\/h2>\n<p><!-- \/wp:heading --><!-- wp:paragraph --><\/p>\n<p>Aunque es bueno saber que ciertos abusos en los pr\u00e9stamos hipotecarios van contra la ley, es a\u00fan mejor saber que tienes un agente hipotecario que te tratar\u00e1 bien pase lo que pase.<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>Al fin y al cabo, cuando alguien enga\u00f1a, aunque usted tenga raz\u00f3n, puede tardar mucho tiempo en recibir el reembolso. Mant\u00e9n ese dinero en tu bolsillo ahora mismo haciendo negocios con un prestamista de confianza.\u00a0<\/p>\n<p><!-- \/wp:paragraph --><!-- wp:paragraph --><\/p>\n<p>El Doce <span style=\"font-weight: 400;\">Grupo hipotecario <\/span>tiene un historial de m\u00e1s de 36 a\u00f1os tratando bien a los prestatarios, \u00a1y no pensamos parar nunca! <a href=\"https:\/\/thedocegroup.com\/contact\/\" target=\"_blank\" rel=\"noopener\">Programe su consulta gratuita<\/a> para obtener un gran pr\u00e9stamo a un gran tipo de inter\u00e9s de un agente hipotecario que siempre hace lo correcto.\u00a0<\/p>\n<h2><b>RESPA Preguntas m\u00e1s frecuentes<\/b><\/h2>\n<h3><b>\u00bfQu\u00e9 es la RESPA en el sector inmobiliario?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">RESPA son las siglas de Real Estate Settlement Procedures Act (Ley de Procedimientos de Liquidaci\u00f3n Inmobiliaria). Se trata de una ley estadounidense que garantiza que compradores y vendedores reciban informaci\u00f3n clara sobre los costes de la compra de una vivienda. Tambi\u00e9n impide que prestamistas, agentes inmobiliarios y otras personas den o reciban pagos desleales (comisiones ilegales) durante el proceso.<\/span><\/p>\n<h3><b>\u00bfCu\u00e1l es la finalidad de la RESPA?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">La Real Estate Settlement Procedures Act (RESPA) es una ley que obliga a los prestamistas a dar detalles claros sobre los costes de cierre. Tambi\u00e9n reduce los costes de cierre al poner fin a las comisiones de referencia y los sobornos. RESPA se firm\u00f3 en diciembre de 1974 y entr\u00f3 en vigor el 20 de junio de 1975.<\/span><\/p>\n<h3><b>\u00bfQu\u00e9 significa RESPA en el sector inmobiliario?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">RESPA son las siglas de Real Estate Settlement Procedures Act (Ley de Procedimientos de Liquidaci\u00f3n Inmobiliaria). Se trata de una ley que garantiza que compradores y vendedores reciban informaci\u00f3n clara sobre los costes de una operaci\u00f3n inmobiliaria, incluidos aspectos como los siguientes <\/span><a href=\"https:\/\/thedocegroup.com\/the-role-of-appraisals-in-home-buying\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Tasaciones en la compra de vivienda<\/span><\/a><span style=\"font-weight: 400;\"> y otros servicios necesarios.<\/span><\/p>\n<h3><strong data-start=\"1149\" data-end=\"1200\">\u00bfPor qu\u00e9 son importantes los servicios de liquidaci\u00f3n RESPA?<\/strong><\/h3>\n<p data-start=\"1149\" data-end=\"1382\">Protegen a los compradores de cobros excesivos o enga\u00f1os. Al exigir la divulgaci\u00f3n completa de las comisiones y prohibir las comisiones ilegales, la normativa inmobiliaria RESPA garantiza que los servicios de liquidaci\u00f3n sigan siendo justos y competitivos.<\/p>\n<h3><b>\u00bfQu\u00e9 pr\u00e9stamos est\u00e1n cubiertos por la RESPA?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">La RESPA se aplica a la mayor\u00eda de los pr\u00e9stamos garantizados por una hipoteca sobre una vivienda de una a cuatro familias. Esto incluye:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pr\u00e9stamos para compra de vivienda<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/thedocegroup.com\/refinance-mortgage-florida\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Refinanciaciones<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pr\u00e9stamos para mejoras en el hogar<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">L\u00edneas de cr\u00e9dito con garant\u00eda hipotecaria (HELOC)<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Normalmente no cubre los pr\u00e9stamos para fines empresariales, comerciales o agr\u00edcolas.<\/span><\/p>\n<h3><b>\u00bfC\u00f3mo protege a los compradores de vivienda la Ley de Procedimientos de Liquidaci\u00f3n de Inmuebles?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">La Ley de Procedimientos de Liquidaci\u00f3n Inmobiliaria garantiza que los compradores reciban informaci\u00f3n clara sobre los costes de cierre, las condiciones del pr\u00e9stamo y las comisiones. Tambi\u00e9n impide los pagos ocultos o comisiones ilegales entre prestamistas, agentes inmobiliarios y proveedores de servicios de liquidaci\u00f3n.<\/span><\/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\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>When you take out a mortgage in the United States, you can do so knowing you enjoy many protections under the law. One of those protections comes from the 1974 Real Estate Settlement Procedures Act, or RESPA. RESPA requires mortgage lenders to disclose all loan costs. It also prohibits kickbacks, limits escrow account requirements, and [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":6883,"comment_status":"closed","ping_status":"closed","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-6882","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 4.9.5.2 - aioseo.com -->\n\t<meta name=\"description\" content=\"When you take out a mortgage in the United States, you can do so knowing you enjoy many protections under the law. 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By requiring full fee disclosure and banning kickbacks, RESPA ensures fairness in the home buying process.\" } } ] } ] }"}],"default":{"data":{"Article":[],"Course":[],"Dataset":[],"FAQPage":[],"Movie":[],"Person":[],"Product":[],"ProductReview":[],"Car":[],"Recipe":[],"Service":[],"SoftwareApplication":[],"WebPage":[]},"graphName":"BlogPosting","isEnabled":true},"graphs":[]},"schema_type":"default","schema_type_options":null,"pillar_content":false,"robots_default":true,"robots_noindex":false,"robots_noarchive":false,"robots_nosnippet":false,"robots_nofollow":false,"robots_noimageindex":false,"robots_noodp":false,"robots_notranslate":false,"robots_max_snippet":"-1","robots_max_videopreview":"-1","robots_max_imagepreview":"large","priority":null,"frequency":"default","local_seo":null,"seo_analyzer_scan_date":"2025-11-07 16:06:33","breadcrumb_settings":null,"limit_modified_date":false,"reviewed_by":"0","open_ai":"{\"title\":{\"suggestions\":[],\"usage\":0},\"description\":{\"suggestions\":[],\"usage\":0}}","ai":{"faqs":[],"keyPoints":[],"titles":[],"descriptions":[],"socialPosts":{"email":[],"linkedin":[],"twitter":[],"facebook":[],"instagram":[]}},"created":"2024-10-24 21:09:17","updated":"2025-11-07 16:06:33"},"aioseo_breadcrumb":"<div class=\"aioseo-breadcrumbs\"><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/thedocegroup.com\/es\" title=\"Home\">Home<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\t<a href=\"https:\/\/thedocegroup.com\/es\/category\/uncategorized\/\" title=\"Uncategorized\">Uncategorized<\/a>\n<\/span><span class=\"aioseo-breadcrumb-separator\">\u00bb<\/span><span class=\"aioseo-breadcrumb\">\n\tWhat is the Real Estate Settlement Procedures Act?\n<\/span><\/div>","aioseo_breadcrumb_json":[{"label":"Home","link":"https:\/\/thedocegroup.com\/es"},{"label":"Uncategorized","link":"https:\/\/thedocegroup.com\/es\/category\/uncategorized\/"},{"label":"What is the Real Estate Settlement Procedures Act?","link":"https:\/\/thedocegroup.com\/es\/what-is-the-real-estate-settlement-procedures-act\/"}],"_links":{"self":[{"href":"https:\/\/thedocegroup.com\/es\/wp-json\/wp\/v2\/posts\/6882","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/thedocegroup.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/thedocegroup.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/thedocegroup.com\/es\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/thedocegroup.com\/es\/wp-json\/wp\/v2\/comments?post=6882"}],"version-history":[{"count":0,"href":"https:\/\/thedocegroup.com\/es\/wp-json\/wp\/v2\/posts\/6882\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/thedocegroup.com\/es\/wp-json\/wp\/v2\/media\/6883"}],"wp:attachment":[{"href":"https:\/\/thedocegroup.com\/es\/wp-json\/wp\/v2\/media?parent=6882"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/thedocegroup.com\/es\/wp-json\/wp\/v2\/categories?post=6882"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/thedocegroup.com\/es\/wp-json\/wp\/v2\/tags?post=6882"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}