{"id":699,"date":"2025-01-06T11:14:02","date_gmt":"2025-01-06T17:14:02","guid":{"rendered":"https:\/\/quickhome.loans\/?page_id=699"},"modified":"2025-02-10T12:15:03","modified_gmt":"2025-02-10T18:15:03","slug":"fha-home-loans","status":"publish","type":"page","link":"https:\/\/www.quickhome.loans\/es\/fha-home-loans\/","title":{"rendered":"Pr\u00e9stamos FHA para Vivienda"},"content":{"rendered":"<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8f761849 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-87530a337786c0bc59deb8bffd88f7f9\"><strong><strong>Pr\u00e9stamos FHA para Vivienda<\/strong><\/strong><\/h1>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/quickhome.loans\/wp-content\/uploads\/2025\/01\/fhaloan-1024x683.webp\" alt=\"\" class=\"wp-image-701\" style=\"width:433px;height:auto\" title=\"\" srcset=\"https:\/\/www.quickhome.loans\/wp-content\/uploads\/2025\/01\/fhaloan-1024x683.webp 1024w, https:\/\/www.quickhome.loans\/wp-content\/uploads\/2025\/01\/fhaloan-300x200.webp 300w, https:\/\/www.quickhome.loans\/wp-content\/uploads\/2025\/01\/fhaloan-768x512.webp 768w, https:\/\/www.quickhome.loans\/wp-content\/uploads\/2025\/01\/fhaloan-1536x1024.webp 1536w, https:\/\/www.quickhome.loans\/wp-content\/uploads\/2025\/01\/fhaloan-2048x1365.webp 2048w\" 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-f917ebc554e08de9a45b4f19c88e377e\">Haciendo que la propiedad de vivienda sea m\u00e1s accesible<\/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-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Un pr\u00e9stamo FHA es un programa hipotecario asegurado por la Administraci\u00f3n Federal de Vivienda (FHA), parte del Departamento de Vivienda y Desarrollo Urbano (HUD) de los EE. UU. Estos pr\u00e9stamos son ofrecidos a trav\u00e9s de prestamistas participantes y est\u00e1n dise\u00f1ados para ayudar a las personas, especialmente a los compradores de vivienda por primera vez, a calificar para la propiedad de vivienda.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>\u00bfCu\u00e1les son los beneficios de un pr\u00e9stamo FHA?<\/strong><\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pago inicial bajo: Puedes calificar con tan solo un 3.5% de pago inicial.<\/li>\n\n\n\n<li>Contribuciones del vendedor: El vendedor puede contribuir hasta un 6% del precio de venta a los costos de cierre.<\/li>\n\n\n\n<li>Co-firmantes: Un padre o pariente puede co-firmar el pr\u00e9stamo como no ocupante, lo que puede aumentar tus posibilidades de aprobaci\u00f3n.<\/li>\n\n\n\n<li>Mortgage Insurance: FHA loans require mortgage insurance to protect lenders in case of defaults. The upfront premium can be rolled into the loan, and you&#8217;ll be responsible for annual premiums.<\/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-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\"><strong>\u00bfQui\u00e9n es elegible para un pr\u00e9stamo FHA?<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">La elegibilidad se basa en los siguientes criterios:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pago inicial: Debes tener al menos el 3.5% del precio de compra.<\/li>\n\n\n\n<li>Relaci\u00f3n deuda-ingreso: Tu pago hipotecario no debe exceder el 45% de tus ingresos mensuales.<\/li>\n\n\n\n<li>Historial de Empleo: Necesitas dos a\u00f1os de empleo constante e ingresos verificables.<\/li>\n\n\n\n<li>Credit: Less-than-perfect credit doesn&#8217;t automatically disqualify you, but the underwriter will review your credit history.<\/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-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\"><strong>Propiedades elegibles para pr\u00e9stamos FHA<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Los pr\u00e9stamos FHA pueden ser utilizados para los siguientes tipos de propiedades:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Residencias principales de 1 a 4 unidades<\/li>\n\n\n\n<li>Condominios (aprobados por FHA)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Viviendas prefabricadas (deben tener una base permanente y ser consideradas permanentes)<\/p>\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-8f761849 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h4 class=\"wp-block-heading\"><strong>Ventajas de los pr\u00e9stamos FHA para Compradores por Primera Vez<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Para los compradores por primera vez, los pr\u00e9stamos FHA ofrecen ventajas significativas, como:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagos iniciales bajos: Desde tan solo el 3.5%, reduciendo el costo inicial.<\/li>\n\n\n\n<li>Opci\u00f3n de co-firmante: Un pariente o padre puede co-firmar, lo que puede mejorar tus posibilidades de aprobaci\u00f3n.<\/li>\n\n\n\n<li>Calificaci\u00f3n m\u00e1s f\u00e1cil: Los pr\u00e9stamos FHA pueden ser m\u00e1s f\u00e1ciles de calificar, incluso con un historial crediticio menos que perfecto.<\/li>\n<\/ul>\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-699","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/pages\/699","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=699"}],"version-history":[{"count":7,"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/pages\/699\/revisions"}],"predecessor-version":[{"id":1112,"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/pages\/699\/revisions\/1112"}],"wp:attachment":[{"href":"https:\/\/www.quickhome.loans\/es\/wp-json\/wp\/v2\/media?parent=699"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}