{"id":476,"date":"2024-12-29T14:59:05","date_gmt":"2024-12-29T20:59:05","guid":{"rendered":"https:\/\/quickhome.loans\/?page_id=476"},"modified":"2025-02-10T12:11:31","modified_gmt":"2025-02-10T18:11:31","slug":"down-payment-options","status":"publish","type":"page","link":"https:\/\/www.quickhome.loans\/es\/down-payment-options\/","title":{"rendered":"Opciones para el Pago Inicial"},"content":{"rendered":"<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h1 class=\"wp-block-heading has-text-align-center has-white-color has-text-color has-link-color wp-elements-e2f66839c4f3ea217c1b0f30b15a46f9\">Opciones para el Pago Inicial<\/h1>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/quickhome.loans\/wp-content\/uploads\/2025\/01\/downpayment.webp\" alt=\"\" class=\"wp-image-890\" style=\"width:334px;height:auto\" title=\"\" srcset=\"https:\/\/www.quickhome.loans\/wp-content\/uploads\/2025\/01\/downpayment.webp 1024w, https:\/\/www.quickhome.loans\/wp-content\/uploads\/2025\/01\/downpayment-300x300.webp 300w, https:\/\/www.quickhome.loans\/wp-content\/uploads\/2025\/01\/downpayment-150x150.webp 150w, https:\/\/www.quickhome.loans\/wp-content\/uploads\/2025\/01\/downpayment-768x768.webp 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-white-color has-text-color has-link-color wp-elements-1edb56d90b45b93889c5bfb62c267f53\">El pago inicial es una parte significativa al comprar una casa. La cantidad que necesitas depende del precio de la casa y de tu situaci\u00f3n financiera.<\/h4>\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\"><strong>Pr\u00e9stamos Convencionales<\/strong>:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Por lo general, requieren un <strong>pago inicial del 20%<\/strong> para evitar el Seguro Hipotecario Privado (PMI).<\/li>\n\n\n\n<li>Options if you can&#8217;t make the 20% down:\n<ul class=\"wp-block-list\">\n<li><strong>97% Loan-to-Value (LTV):<\/strong> Requiere PMI, pero permite un pago inicial menor.<\/li>\n\n\n\n<li><strong>Seguro hipotecario pagado por el prestamista (LPMI):<\/strong> El prestamista paga el PMI, pero la tasa de inter\u00e9s puede ser m\u00e1s alta.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Programas gubernamentales:<\/strong>:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><a href=\"https:\/\/www.quickhome.loans\/es\/fha-home-loans\/\" data-type=\"page\" data-id=\"699\" target=\"_blank\" rel=\"noopener\">Pr\u00e9stamo FHA: <\/a><\/strong>Ideal para compradores por primera vez o personas con cr\u00e9dito m\u00e1s bajo; requiere un pago inicial del 3.5%.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.quickhome.loans\/es\/fha-203k-home-loans\/\" data-type=\"page\" data-id=\"708\" target=\"_blank\" rel=\"noopener\">Pr\u00e9stamo FHA 203(k):<\/a><\/strong> Para casas que necesitan renovaciones; permite financiar la compra y las reparaciones.<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.quickhome.loans\/es\/usda-loan\/\" data-type=\"page\" data-id=\"893\" target=\"_blank\" rel=\"noopener\">Pr\u00e9stamo rural USDA:<\/a><\/strong> Disponible para casas en \u00e1reas rurales designadas; ofrece financiamiento de hasta el 100% (sin pago inicial).<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/www.quickhome.loans\/es\/va-home-loans\/\" data-type=\"page\" data-id=\"721\" target=\"_blank\" rel=\"noopener\">Pr\u00e9stamo VA:<\/a>:<\/strong> Available for veterans, often with no down payment required.<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h3 class=\"wp-block-heading\">Asistencia para el pago inicial:<\/h3>\n\n\n\n<p>\u00bfSab\u00edas que hay programas de asistencia para el pago inicial disponibles a nivel estatal, municipal y del condado? Estos programas est\u00e1n dise\u00f1ados para aliviar la carga financiera de comprar una casa, y puedo guiarte en el proceso de identificar y solicitar las opciones que mejor se adapten a tus necesidades. Ya sea que seas un comprador por primera vez o que busques apoyo adicional, exploremos juntos c\u00f3mo estos recursos pueden ayudarte a dar el siguiente paso hacia ser due\u00f1o de tu hogar.<\/p>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"pagelayer_contact_templates":[],"_pagelayer_content":"","footnotes":""},"class_list":["post-476","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/pages\/476","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/comments?post=476"}],"version-history":[{"count":14,"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/pages\/476\/revisions"}],"predecessor-version":[{"id":1107,"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/pages\/476\/revisions\/1107"}],"wp:attachment":[{"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/media?parent=476"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}