10 consejos para comprar una vivienda
Los precios están más bajos que nunca, pero hay que ser precavido.
. Hágase una autoevaluación financiera. Antes de comprar, es importante analizar su situación financiera. Lo más importante es determinar nuestros ingresos y el capital que tenemos disponible como cuota inicial (downpayment). Pese a que actualmente las tasas de interés para préstamos son bajas, obtener una hipoteca es difícil. Los bancos son cada vez más exigentes en la verificación de sus ingresos e historial de crédito.
2. Fije expectativas realistas. Si está comprando su primera casa es importante que sus expectativas sean realistas respecto del aumento del valor de la propiedad. La valorización promedio de una vivienda en Estados Unidos es de un 3,6 % anual, según datos del índice Case-Shiller, uno de los principales indicadores de precios de vivienda de la firma Standard & Poor’s. Esto indica que ya no es factible comprar y tratar de vender al cabo de unos meses o un año.
3. Piense como inversionista. Piense en la rentabilidad esperada de su inversión, el riesgo y el plazo. La rentabilidad si compra para arrendar la propiedad será lo que obtenga del ingreso de renta, menos los gastos de mantenimiento e impuestos. Junto con la valorización anual de la propiedad, esto se convierte en su rentabilidad.
Si compra una propiedad para vivir en ella, uno de sus objetivos también será hacer la mejor inversión posible. La mejor forma de lograrlo es buscando las áreas con las mejores escuelas porque esas zonas tienden a ser polos de atracción para familias.
4. Considere seguir pagando arriendo. Compare los costos de comprar y mantener una casa con el costo de rentarla. El 75 % de las áreas que eh analizado comprar es mejor que alquilar. Sin embargo, cada comprador debe hacer su propio análisis.
5. Ubicación, Ubicación, Ubicación. Una casa gana en valor si está ubicada en un área con escuelas de alta calidad y con buenas vías de comunicación y transporte a los principales centros urbanos.
6. Conviértase en un experto. Reúna la información del área que eligió y de las propiedades que le interesan. Es importante saber a qué precio se vendieron recientemente casas similares a las que usted quiere. Yo lo puedo representar y ayudar en lo que necesite.
Si esta listo(a) para comprar casa, favor de llamar para empezar laprecalificación al: (760)391-1741 ó envie un correo electrónico a: nadia@usdesertrealty.com
7. Busque pre aprobación de un crédito. Al buscar la aprobación de un banco, el comprador sabrá su calificación de crédito y la tasa de interés a la cual obtendría una hipoteca. Le puedo ayudar en el proceso de pre calificación para una casa, Llame ó mande un mensaje de texto al: (760)391-1741 ó envie un correo electrónico a: nadia@usdesertrealty.com
8. La casa puede ser un plan de jubilación. Cambiarse de casas le puede rendir dividendos. “Es una estrategia cada vez más frecuente entre las personas que se acercan a la edad de retiro o están jubiladas. Se mudan a una casa más pequeña o venden y usan el capital como fuente de ingresos”
9. Tenga en cuenta las mejoras. Calcule el costo de la inversión adicional que requiere la vivienda. Ninguna propiedad es perfecta y hasta las más nuevas requieren cambios y modificaciones. Es clave que los cambios que se hagan estén orientados a aumentar su valor.
10. Piense a largo plazo. La compra de vivienda es una inversión a largo plazo. Se recomienda comprar con la perspectiva de mantenerla por cinco años o más. Este tiempo permite obtener mayores beneficios de tener una propiedad si se vive en ella o si se compró como inversión para alquilar.
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7 First-Time Home Buyer Programs
Buying a home is so hard, they should make it an Olympic event. It’s not just the paperwork; it’s the terminology, the fees and the number of people involved. It’s natural to want to agree to whatever, sign everything and just get through the process as fast as you can. But while that may make you a medalist in downhill skiing, it won’t earn you many style points in life’s uphill battle to financial well-being.
Here are some of the most useful first-time home buyer programs that you might overlook if you rush the process. They may score you some big savings.
FHA
This is the go-to program for many Americans, especially first-time home buyers and those who have a credit history that’s … let’s say shaky. The Federal Housing Administration guarantees a portion of home loans, which frees lenders to broaden their acceptance standards. With FHA backing, borrowers can qualify for loans with as little as 3.5% down.
FHA loans do have an up-front and ongoing additional cost built in: mortgage insurance premiums. This protects the lender’s stake in the loan if you default.
USDA
This one may surprise you. The U.S Department of Agriculture has a home buyers assistance program. And no, you don’t have to live on a farm. The program targets rural areas and allows 100% financing by offering lenders mortgage guarantees. There income limitations, which vary by region.
Good Neighbor Next Door
This initiative was originally called the Teacher Next Door Program but was expanded to include law enforcement, firefighters and emergency medical technicians, hence the snappy “Good Neighbor” name. A HUD-sponsored program, it allows 50% discounts on the list price of homes located in revitalization areas. Yes, half off. Who knew? You just have to commit to living in the property for at least 36 months. These homes are listed — for just seven days — on the Good Neighbor Next Door sales website.
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Home upgrade programs
Here are a couple of programs that allow you to buy more home for your money.
- The Energy Efficient Mortgage Program extends your borrowing power when you buy a home with energy-saving improvements or upgrade a home’s green features. If you qualify for a home loan, you can add the EEM benefit to your regular mortgage. It doesn’t require a new appraisal or affect the amount of your down payment. The program simply allows your lender the flexibility to extend loan limits for energy efficiency improvements.
- There are also HUD 203(k) loans, designed for buyers who want to tackle a fixer-upper. This special FHA-backed loan considers what the value of the property will be after improvements and allows you to borrow the funds to complete the project as part of your main mortgage.
“These loan programs are designed for buyers who want to tackle a fixer-upper.”
VA
The U.S. Department of Veterans Affairs helps service members, veterans and surviving spouses buy homes. VA loans are especially generous, often requiring no down payment or mortgage insurance. But like a lot of military operations, the approval track is built for accuracy, not speed.
While the VA has only a few requirements for things like debt and sufficient income, VA lenders may add their own “overlays,” or additional requirements.
Dollar Homes
This sounds like one of those late-night television offers, but HUD claims to offer $1 homes that have been acquired by the FHA through foreclosures. Needless to say, this is a tiny pool of houses. At last check, only a handful of listings appeared on the website. Curiously, one home we checked out in the Dollar Home category seemed to be listed for $17,900. We’re not sure what that’s about, but shop carefully.
Fannie and Freddie
They sound like classic ’70s rock bands, but Fannie Mae and Freddie Mac are the engines behind the home loan machine. These government-sanctioned companies work with local lenders to offer some appealing options on conventional loans, such as 3% down payments.
Even more help
In addition to these national programs, many state and local governments offer assistance to home buyers. Browse our list of california state first-time home buyer programs to learn more.
Tapping one of these resources may help you buy a home with less of a down payment, lower your interest rate, or even find a bargain in your neighborhood. Then you can have your own opening ceremony in your new home.
Please call me, I will be happy to help on getting pre-qualified for a home, Call or Text (760)391-1741 or send an email: nadia@usdesertrealty.com
California 2019 First-Time Home Buyer Programs
The homebuying process can be daunting, not to mention expensive. That’s why the California Housing Finance Agency, or CalHFA, offers several loan programs to help qualified first-time home buyers get a mortgage.
You may also benefit from a national loan program that features low credit score or down payment requirements. Explore all the options for buying your first home in the Golden State.
National first-time home buyer programs
Offered by most lenders, these national loan programs are always worth consideration, especially if you need flexible credit requirements or low down payment options.
Conventional mortgage
National program
- Low down payments
- Limited mortgage insurance premiums
WHAT YOU NEED TO KNOW
A conventional mortgage is a home loan that isn’t guaranteed or insured by the federal government. Conventional mortgages that conform to the requirements set forth by Fannie Mae and Freddie Mac allow down payments as low as 3% for first-time buyers or lower-income home buyers. Unlike FHA loans, conventional loans allow borrowers to eventually cancel their mortgage insurance or avoid mortgage insurance altogether if they put at least 20% down.
VA loans
National program
BEST FOR:
- Military
- Low down payment
WHAT YOU NEED TO KNOW
The U.S. Department of Veterans Affairs helps service members, veterans and surviving spouses buy homes. VA loans are especially generous, providing competitive interest rates, often requiring no down payment or mortgage insurance. Although there is no official minimum credit score, most VA-approved lenders require scores of at least 640.
FHA loans
National program
BEST FOR:
- Low credit score
- Low down payment
WHAT YOU NEED TO KNOW
This is the go-to program for many first-time home buyers with lower credit scores. The Federal Housing Administration allows down payments as low as 3.5% for those with credit scores of 580 or higher. The FHA will insure loans for borrowers with scores as low as 500 but requires a 10% down payment for a score that low. Mortgage insurance is required for the life of an FHA loan and cannot be canceled.
USDA loans
National program
BEST FOR:
- Low down payment
- Rural
WHAT YOU NEED TO KNOW
A USDA home loan is a zero-down-payment mortgage for eligible rural and suburban home buyers. USDA loans are issued by the U.S. Department of Agriculture through the USDA Rural Development Guaranteed Housing Loan Program. There are income limitations, which vary by region. Applicants with credit scores of 640 or higher receive streamlined processing. Those with scores below that must meet more stringent underwriting standards.
CalHFA highlights and eligibility requirements
If you haven’t owned and occupied your own home in the past three years, you’re considered a first-time home buyer in California, and may want to choose one of these CalHFA programs as a more affordable path to homeownership.
Highlights
- Down payment and closing cost assistance available for low- to moderate-income borrowers
- Some condos, manufactured homes and properties with guesthouses or in-law quarters allowed
Eligibility
- Property must be located in California and be the borrower’s primary residence until it’s sold or refinanced
- In most cases, borrowers must be first-time home buyers and U.S. citizens, permanent residents or qualified aliens
- Must have a minimum credit score of 640, in most cases
- Must meet all income and sales price requirements of the lender and mortgage insurer
- Must take an approved home buyer education course and obtain a certificate of completion
- Leaseholds/land trusts and co-ops not permitted
- Property must be 5 acres or smaller in size
- There may be additional program-specific requirements
CalHFA first-time home buyer loan programs
MyHome Assistance Program
State program
BEST FOR
- Low income
- Down payment assistance
- Closing cost assistance
WHAT YOU NEED TO KNOW
This is a deferred-payment subordinate loan that low- to moderate-income first-time home buyers in California can use to make a down payment or cover closing costs when taking a CalHFA mortgage loan. “Subordinate” means it doesn’t have to be paid until the home is sold, refinanced or paid off. MyHome Assistance Program loans are limited to 3.5% of the home’s purchase price or appraised value, whichever is lower. Qualified borrowers are generally allowed to combine the MyHome Assistance Program with other down payment assistance or grant programs.
CalHFA Zero Interest Program
State program
BEST FOR
- Closing cost assistance
WHAT YOU NEED TO KNOW
This program can make CalPLUS Conventional and CalPLUS FHA loans even more affordable by paying a portion of your closing costs. The CalHFA Zero Interest Program provides up to 4% of the total loan amount in the form of a no-interest second loan. Payments on a CalHFA Zero Interest Program loan are deferred as long as you live in the home, but you’ll be required to pay it back in full if you sell, refinance, transfer the title to someone else or default on the loan.
School Teacher and Employee Assistance Program
State program
BEST FOR
- Teachers
- Public school employees
- Down payment assistance
- Closing cost assistance
WHAT YOU NEED TO KNOW
Like the MyHome Assistance Program, the School Teacher and Employee Assistance Program is a deferred-payment subordinate loan that helps pay for a down payment or closing costs . The difference, as its name implies, is this program is reserved for teachers, school administrators, school district employees and staff members of California K-12 public schools. Employees of charter schools and county/continuation schools are also eligible. School Teacher and Employee Assistance Program loans are limited to 4% of the sales price or appraised value, whichever is less. Qualified borrowers are generally allowed to combine the School Teacher and Employee Assistance program with other FHA-approved or Fannie Mae Community Seconds subordinate loans, but not the MyHome program.
Cal-EEM + Grant Program
State program
BEST FOR
- Energy-efficient improvements
WHAT YOU NEED TO KNOW
The Cal-EEM + Grant program is an FHA-insured Energy Efficient Mortgage for both first-time and repeat home buyers that has a 30-year term with a fixed interest rate. To help borrowers make energy-efficient improvements that are more than the maximum amount allowed by the FHA, this mortgage is combined with a grant of up to 4% of the total loan amount. The Cal-EEM + Grant program can also be combined with either the MyHome Assistance Program or School Teacher and Employee Assistance Program to help cover down payment or closing costs.
Summary: 2019 CalHFA first-time home buyer programs
- MyHome Assistance Program for assistance with down payment and closing costs.
- CalHFA Zero Interest Program for closing cost help on CalPLUS Conventional and CalPLUS FHA loans.
- School Teacher and Employee Assistance Program for educators, administrators and school and district staff.
- CalEEM + Grant Program for an FHA-insured energy efficient mortgage.
Now that you’ve got a general understanding of the first-time home buyer programs available in California, it’s time to dig into specifics. For full details on any of the programs listed above, Please call me, I will be happy to help on getting pre-qualified for a home, Call or Text (760)391-1741 or send an email: nadia@usdesertrealty.com
CalHFA doesn’t review applications or lend money; mortgage decisions are made by its network of preferred loan officers and approved lenders.
Tips for First-Time Home Buyers
Being a first-time home buyer is exciting! But I know it can also feel overwhelming—especially when you see median listings priced at $306,000 and available homes flying off the market in 70 days.
With real estate trends like those, you might be tempted to make an impulsive purchase that could hurt your financial goals and keep you paying a mortgage well into retirement.
No one wants that! Trust me, you guys, it’s worth doing this the right way. And that means buying a home that you love and that doesn’t hurt your future money goals.
You may be thinking: Yeah, that would be great, Nadia. But where do I even start?
I’m so glad you asked! I’ve put together some good tips for first-time home buyers as they tackle the home-buying process. Put these into practice today so your first home is a blessing not a burden.
1. Pay Off All Debt and Build an Emergency Fund
Owning a home is expensive—much more expensive than renting, even if your monthly house payment will be similar or cheaper than your current rent amount. That’s because when you own a home, you’re responsible for all the maintenance and upkeep costs. And those can add up fast! So, before you even think about buying your first home, make sure you’re debt-free and have an emergency fund of three to six months of expenses in place.
When you get into a home with no payments (besides the mortgage) and have a nice big emergency fund, you’ll have the cash to pay for huge expenses that suddenly come your way. You’ll be able to love the life you’ve set up for yourself because stress and worry won’t be part of the equation!
Now once you’re debt-free, I want you to stay debt-free. So, as you’re shopping for your first home and getting excited about decorating and filling it with new furniture, be mindful of your budget.
You might have some empty rooms for a little while, but your budget and your future selves will thank you! And if you find yourself thinking, Oh well, I’ll just put it on credit—stop right there! Debt is dumb. Plus, taking on new debt in the middle of buying a house could delay your approval for a mortgage and make you miss out on the perfect home. Don’t do it!
2. Determine How Much House You Can Afford
Before you get emotionally attached to a beautiful house, check your monthly budget to determine how much house you can afford. You need to leave room in your budget for other things, so make sure your monthly housing costs (including HOA fees, taxes, insurance, etc.) are going to be no more than 25% of your monthly take-home pay.
For example, let’s say you bring home $5,000 a month. Multiply that by 25% to establish your maximum monthly house payment of $1,250. Based on a 15-year mortgage with a 4% fixed interest rate, here are the home options you can afford (not including taxes and insurance):
- $187,767 home with a 10% down payment ($18,777)
- $211,238 home with a 20% down payment ($42,248)
- $241,415 home with a 30% down payment ($72,424)
- $281,650 home with a 40% down payment ($112,660)
That’s an easy way to find a number in your ballpark. But don’t forget that property taxes and homeowner’s insurance will affect your monthly payment. You’ll also need to factor those numbers in before settling on a maximum home price.
3. Save a Down Payment
If saving up to pay the total price of a house in cash isn’t reasonable for your family’s timeline, at least save for a down payment of 20% or more. Then you won’t have to pay for private mortgage insurance (PMI), which protects the mortgage company in case you can’t make your payments and end up in foreclosure. PMI usually costs 1% of the total loan value and is added to your monthly payment.
If a 20% down payment seems out of reach for you, first-time home buyer programs that offer single-digit down payments may sound tempting. But don’t do them! These options will cost you more in the long run.
4. Save for Closing Costs
Along with your down payment, you’ll also need to pay for closing costs. If you’re a first-time home buyer, you may be wondering how much it costs to close on a house. On average, closing costs are about 3–4% of the purchase price of your home. Your lender will give you a specific number so you know exactly what to bring on closing day. These fees pay for important steps in the home-buying process, including:
- Appraisal
- Home inspection
- Credit report
- Attorney
- Homeowner’s insurance
Let’s see how this plays out with our example of a $172,600 home. If you multiply $172,600 by the higher 4% closing cost average, you’ll find that you need $6,904 for closing costs. Now let’s add that to your 20% down payment of $34,520. The two together equal $41,424, which is about what you’ll need to save to pay for the down payment and the closing costs on your first house.$172,600 x 4% = $6,904$6,904 + $34,520 = $41,424
You want to save for your closing costs and down payment as quickly as possible—with the same amount of intensity I tell people to use when they’re getting out of debt and building a full emergency fund. In fact, it’s okay to put retirement savings on hold for a short period of time to save for a home—but you’ve got to hustle!
Pick up a second job, sell whatever isn’t nailed down, move into a smaller space, add a roommate and charge rent—do whatever you need to do to save for your closing costs and down payment as fast as you can.
5. Get Preapproved for a Loan
Once you’re confident you have enough cash saved to pay for closing costs and 20% of your home, you’re ready to handle the other 80% by talking to a mortgage lender.
Get prequalified for a loan and take the extra time to get a preapproval letter before you start your home search. Preapproval shows sellers that you’re a serious buyer, which is a great way for first-time home buyers to get ahead in a competitive market.
To get preapproved, your lender will need to verify your financial information (proof of income, taxes, etc.) and submit your loan for preliminary underwriting.
Please call me, I will be happy to help on getting pre-qualified for a home, Call or Text (760)391-1741 or send an email: nadia@usdesertrealty.com
6. Find a Home for Sale in Your Price Range
As your Realtor of choice and after I have a good idea of what you’re looking for I will find a home that will fit your life, As a Realtor I have access to multiple listing service (MLS) to find homes that meet your criteria in your desired areas.
An MLS is created, maintained and paid for by real estate professionals to help buyers view the largest pool of properties for sale in the marketplace. Real estate agents also provide valuable market expertise and can help you find great deals on homes as soon as (or before) they’re listed.
7. Make a Competitive Offer (That’s Within Your Budget!)
Let’s say you found the home you want and can afford. Since you’re already preapproved for a loan, you’re ready to make an offer. If you’re a first-time home buyer, it may be hard to know how much you should offer. That’s when you can rely on my expertise.
As your agent I will help you make sure your offer is competitive but also within your budget and the home’s value. Be careful not to make an impulsive offer that’s higher than you can afford just to knock out the competition.
8. Prepare for Closing
Once a seller accepts your offer, the closing process will begin. Keep things running smoothly by knowing what to expect when closing on a house. The average closing process takes 41 days, which gives you plenty of time to tackle closing items. As your agent, I will schedule the remaining steps, from home inspection to final walkthrough, and keep you informed about any road blocks.
As you prepare for closing, make sure you read every document and ask me to explain anything you don’t understand—especially before you sign the official contract for the home transaction. It’ll be your signature on the documents, so you’ll be the one responsible for anything you sign.
Ready to Get Started?
Please call me, I will be happy in finding and helping you get your dream home, Call or Text (760)391-1741 or send an email: nadia@usdesertrealty.com
10 Killer Tips For Selling a Home
Selling your home is going take some work, but just because it will take effort does not mean it needs to be any harder than necessary. By being smart about how you use your time and energy, you can smooth the way for a sale that satisfies your goals and lets you realize the full potential of your property. Below you will learn some of the best advise for selling a home. These home selling tips include pre-sale preparation for both the interior and exterior of your home.
The following tips are tried and true – ways to make selling a bit easier and maybe even more profitable. Try a few out, or if you are a real go-getter, all of them! You are sure to see some benefits if you do.
Selling Your Home – 10 Tips You Can Definitely Use
1. Take care of your landscape.
Some of the first things buyers are going to notice as they pull up to your house are the landscape – lawn, plants, flowerbeds, etc. Now you don’t have to be extravagant, install a fountain or even hire a professional, you just need to tidy up and make sure things look neat and preferably alive if possible. Mow the lawn, trim your bushes and buy a few bags of mulch to pour in the flower beds to tie things together. In real estate sales, first impressions count. This is one of the simple improvements that will increase home value. Make it count!
2. Remove clutter.
One of the most cost effective home selling tips is to make your home clutter free! You want to maximize the perceived space in the home. The more clutter, the more uncomfortable things will feel. Go through everything and clear out all the non-essentials. Even if you don’t feel like going through all of your stuff and sorting them, you should at least put things away in places where buyers won’t be looking – so no cramming stuff into closets or the garage. Rent a storage space if you need to.
3. Paint your interior if it needs it.
Dark, dreary colors can shrink the perception of space. Old, stained paint makes rooms look decrepit. By painting with contemporary colors and ideally with a little insight from a knowledgeable Real Estate agent or interior designer, you can change the whole feel of your home. There is not another home improvement that will give you more bang for your buck than a fresh coat of paint. From a selling standpoint, it is important to stick with neutral colors. Remember selling your home is not about personal preferences but appealing to the masses. Stick with off white and light creamy colors for maximum benefit.
4. Hire a great Real Estate agent.
If you are noticing a trend here, that’s because there is one. Working with a professional to sell your home has a ton of benefits, and takes a lot of the heavy lifting off of your shoulders. An experienced Realtor like myself can often sell your home faster, and for a better price, than you can on your own. This, in fact, is one of the most valuable tips for selling a home.
Before a real estate agent even begins their work of selling a home they can be a great source of knowledge in pricing your home correctly. Without the right price, everything else you do will be meaningless! Don’t be like so many other sellers who put a pie in the sky price tag on their home. This is a sure recipe for failure.
A cluttered home can make your home feel a lot smaller than it is. This is not a good thing when trying to get the most you can out of your sale. Today’s buyers like bright open spaces unfettered by an abundance of someone’s personal property. Keep in mind there is a significant percentage of the population who do not have vision. Make things easier on the buyer by giving them something they can visualize.
5. Consider a professional cleaning.
A clean home is inviting to buyers, whereas a dirty home can turn them away faster than just about anything. The easiest way to know your home is spotless and looking its best is to hire a professional cleaning company. Make sure your kitchen and baths are spotless. Buyers will pay closer attention to these areas. In addition make sure your carpets are as clean as possible. If need be consider having your carpets professionally cleaned. This is one of those things where spending a few hundred dollars can save you thousands by preventing the buyer from thinking they need to replace the carpets immediately.
6. Make sure you repair the things that your Real Estate agent advises.
Many renovations are arguably a bad investment for sellers, as it is hard to get your money back in the sale. But if your real estate agent advises that you fix some things, like faulty wiring, a hole in the fence, a leaking toilet or a visible stain in the ceiling, you should do it. These are things that the buyer may balk at, or demand a lower price because they feel immediate attention is needed. Secondarily when the buyer does their home inspection more than likely they will be trying to renegotiate the sale price or worse asking to back out of the deal.
One of the things I constantly stress to my clients is being well prepared for the buyers home inspection. This is the number one place where home sales fall apart. It only makes sense to address the problems before hand. If you know about a problem, a good home inspector will more than likely find it.
7. Address all odors.
Smell is powerful, and can easily drive someone away from buying your home. However, you may not even realize the smells are there. As your Realtor of choice I will let you know if there are any unpleasant odors – like pet or cooking odors – and address them before showings. Believe it or not pet odors can kill a home sale. This happens because some buyers fear they won’t be able to get rid of the odor once they purchase the house. Don’t take any kind of chance with home odors – remove them!
8. Make your kitchen appealing.
Many buyers are very focused on kitchens, which is why you want to make sure yours is reasonably appealing. Formica counter-tops from the 70s may need to be updated, and you might want to install a new appliance or two if the existing ones are in really bad shape.
9. Get organized.
The people that are looking at your home are going to open every door, including closets and the garage. You may help your sale by making sure these areas are relatively organized. The better they look, the easier it is for buyers to imagine that they can fit all their things in the home. This again goes back to one of my previous home selling tips of DE-cluttering. Organizing your closets and garage should be done as part of the process.
10. Take your pets somewhere for showings.
It is hard for pet owners to imagine sometimes, but some people really don’t like pets. As a dog or cat owner, you may not want to hang out with such people, but they might make a great offer on your home. Take the pets somewhere safe and comfortable, like a friends. Having evidence of your pet, including their odors can be a real turn off to some people.
There you have it – these are some of the best home selling tips to get you on your way to a successful home sale!
pre calificación para un préstamo hipotecario
Solicitar pre calificación para un préstamo hipotecario es el primer paso hacia el camino para comprar una vivienda, porque este proceso le dirá exactamente la cantidad de dinero usted puede solicitar al prestamista, adicionalmente le provee otra información importante como por ejemplo cuanto necesita como pago inicial y los pagos mensuales que usted tendrá que hacer una vez sea aprobado.
Le puedo ayudar en el proceso de pre calificación para una casa, Llame ó mande un mensaje de texto al: (760)391-1741 ó envie un correo electrónico a: nadia@usdesertrealty.com
Lo siguiente se necesita para pre calificar
- 30 dias de Talónes de pago
- 2020, 2021 Impuestos
- 2020, 2021 W2/1099
- 2 meses de Estados de cuenta bancaria -mas recientes
(TODAS las paginas incluyendo las hojas en blanco) - Licencia de Conducir (DMV)
- Tarjetas de Seguro Social
Take the first step to mortgage prequalification
Being prequalified by a mortgage lender lets you know how much you can borrow.
Find out how much you’re qualified to borrow
Being prequalified or conditionally approved for a mortgage is the best way to know how much you can borrow.
A prequalification gives you an estimate of how much you can borrow based on your income, employment, credit and bank account information.
Please call me I will be happy to help on getting pre-qualified for a home, Call or Text (760)391-1741 or send an email: nadia@usdesertrealty.com
What’s you need to Pre-Qualify
DOCUMENT CHECK LIST
- Pay Stubs covering last 30 days
- 2020, 2021 Complete Tax Return
- 2020, 2021 W2/1099
- Most recent 2 months bank statements
(ALL pages including blank pages) - Driver License
- Social Security Cards
- Copy of Leases
(If other properties are owned and rented. Include copy of Home Owner’s Insurance and Property Tax Bill)
All home lending products are subject to credit and property approval. Rates, program terms and conditions are subject to change without notice. Not all products are available in all states or for all amounts. Other restrictions and limitations apply.
Cómo Comprar Una Casa Con Un Número ITIN
Contrariamente a la creencia popular, las personas sin un estatus legal o un número de seguro social en los Estados Unidos pueden comprar una casa. Sin embargo, el proceso de compra de vivienda es mucho más difícil para ellos que para las personas con un estatus legal o un número de seguro social en los Estados Unidos. Sin embargo, hay una manera de que las personas sin un número de seguro social en los Estados Unidos puedan comprar una casa y es a través de un número ITIN.
Si necesita ayuda en comprar casa con su número ITIN, favor de llamar con cualquier duda al: (760)391-1741 ó envie un correo electrónico a: nadia@usdesertrealty.com
¿Qué es un número ITIN?
Un ITIN es un Número de Identificación de Contribuyente Individual. Es un número de procesamiento de impuestos de nueve dígitos asignado a personas que no tienen un estatus legal o número de seguro social en los Estados Unidos. Los contribuyentes ciudadanos de los Estados Unidos se identifican así como los miembros de su familia al IRS a través de números de Seguro Social. Sin embargo, hay algunos no ciudadanos que residen en los Estados Unidos que no son elegibles para un SSN, pero todavía tienen que pagar impuestos.
Complicaciones Potenciales Con La Hipoteca ITIN
En comparación con la solicitud de un préstamo hipotecario tradicional, la solicitud de una hipoteca ITIN es un poco más complicada. A continuación se presentan algunas complicaciones que pueden ocurrir con una hipoteca de ITIN.
Falta de Historial de Crédito
Las historias de crédito se basan en SSN. Por lo tanto, medir la solvencia de un solicitante con un ITIN es difícil, si no imposible.
Problemas de Verificación de Ingresos
Documentar los salarios pagados a los trabajadores no autorizados en los Estados Unidos es algo que los empleadores se resisten a hacer. La prueba de sus ingresos es casi imposible para los trabajadores indocumentados, ya que son pagados en efectivo por los servicios / trabajo proporcionado.
Problemas Con La Verificación del Historial de Crédito
Mientras pueden probar el buen historial de pago, los prestamistas hipotecarios darán a las personas sin historial de crédito préstamos hipotecarios. Desafortunadamente, la mayoría de los trabajadores indocumentados no tienen utilidades y otras facturas en su propio nombre. Por lo tanto, si solicitan una hipoteca de ITIN, pueden no ser capaces de probar su buen historial de pagos.
Ahí lo tienes: las posibles complicaciones con una hipoteca de ITIN. ¿Cómo comprar una casa con un número ITIN? Las personas con un número ITIN pueden recibir préstamos hipotecarios. Sin embargo, típicamente, el proceso de hipoteca de ITIN toma más tiempo e implica más costos que un préstamo casero tradicional. Cuando se trata de préstamos hipotecarios, las personas sin un SSN tienen un número limitado de opciones disponibles para ellos. Por lo tanto, si usted es un inmigrante ilegal o alguien con un ITIN en los EE.UU. entonces debe ahorrar una cantidad considerable de dinero y la documentación requerida antes de solicitar una hipoteca.
Antes de pasar a comprar una casa con un número ITIN, es importante que se aclare una cosa: no todo el mundo con un ITIN en los Estados Unidos es un residente ilegal. Hay muchos inmigrantes sin un SSN que tienen documentación completa y residen legalmente en los Estados Unidos. Los préstamos hipotecarios de ITIN son para estas personas también. Por lo tanto, si son inmigrantes legales o ilegales, las hipotecas de ITIN son para todos con un número ITIN. Sin embargo, puesto que pueden probar su historial de ingresos y crédito, los inmigrantes legales encuentran el proceso de hipoteca de ITIN más fácil. ¿Cómo comprar una casa con un número ITIN? El siguiente es un proceso paso a paso para obtener una hipoteca con un número ITIN.
Cómo Comprar Una Casa Con Un Número ITIN
Esta es una pregunta que muchas personas sin un SSN piden. El IRS emite el ITIN a las personas que no tienen un SSN o que no desean usar su SSN para fines de pago de impuestos. Muchas personas sin un número de SSN usan números ITIN para obtener préstamos y comprar una casa. ¿Cómo comprar una casa con un número ITIN? El siguiente es un proceso paso a paso para obtener una hipoteca con un número ITIN.
Solicitar Un Número ITIN
Si no tiene un número ITIN, lo primero y más importante que debe hacer para comprar una casa sin SSN es solicitar un número ITIN. Para obtener un ITIN, Le puedo ayudar en el proceso de solicitar un ITIN por favor Llame ó mande un mensaje de texto al: (760)391-1741 ó envie un correo electrónico a: nadia@dynamobs.com
Construir Un Historial de Crédito
El siguiente paso en el proceso es construir un historial de crédito usando su número ITIN. Al abrir una cuenta con ellos y luego solicitar un préstamo de auto, tarjeta de crédito u otro tipo de crédito, puede construir una buena relación con su banco local. Es más que probable que obtenga una hipoteca si tiene un historial de pagos regular de al menos un par de años.
Construir Un Registro de Pago de Renta
No mucha gente sabe esto, pero la construcción de un registro de pago de alquiler puede aumentar su probabilidad de obtener una hipoteca de ITIN. Un registro de pago de renta de al menos dos años es lo que la mayoría de los prestamistas de ITIN les gusta ver antes de aprobar un préstamo hipotecario de ITIN. Por lo tanto, si desea comprar una casa con un número ITIN, entonces debe demostrar que tiene la capacidad de hacer sus pagos de la hipoteca mediante la construcción de un registro de pago de alquiler.
Construir Un Buen Historial de Empleo
Si usted quiere comprar una casa con un número de ITIN entonces usted debe construir una buena historia de empleo. Un historial de empleo de varios años con el mismo empleador nosotros lo que la mayoría de los prestamistas les gusta ver. Con el fin de proporcionar pruebas de buen historial de empleo, necesitará formularios W-2.
Si esta listo(a) para comprar casa con su número ITIN, favor de llamar para empezar la precalificación al: (760)391-1741 ó envie un correo electrónico a: nadia@usdesertrealty.com
