{"id":3415,"date":"2024-01-11T15:55:40","date_gmt":"2024-01-11T15:55:40","guid":{"rendered":"https:\/\/kalbadvisors.com\/?page_id=3415"},"modified":"2024-09-30T15:58:07","modified_gmt":"2024-09-30T15:58:07","slug":"fha-loans","status":"publish","type":"page","link":"https:\/\/kalbadvisors.com\/es\/fha-loans\/","title":{"rendered":"Pr\u00e9stamos FHA, Compradores de Vivienda por Primera Vez"},"content":{"rendered":"<section class=\"wpb-content-wrapper\"><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" data-vc-stretch-content=\"true\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1704989863432 vc_row-has-fill full-width vc_row-no-padding vc_row-o-full-height vc_row-o-columns-middle vc_row-flex\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1704904124894 white-text\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h2 style=\"text-align: left; color: #fffff;\"><span style=\"color: #ffffff;\">NUESTROS PRODUCTOS <\/span><\/h2>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div><section class=\"vc_section gray vc_custom_1704907991572 vc_section-has-fill\"><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12 vc_custom_1704909251458\"><div class=\"wpb_wrapper\"><h1 class=\"box-header align-center\">PR\u00c9STAMOS FHA, COMPRADORES DE PRIMERA VIVIENDA<\/h1><\/div><\/div><\/div><div class=\"vc_row wpb_row vc_row-fluid drop-shadow vc_custom_1704920441562\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704910437807 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\nquestion_mark\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1704988416242\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>Qu\u00e9 es una hipoteca FHA<\/h4>\n<p>Los pr\u00e9stamos FHA est\u00e1n dise\u00f1ados para quienes compran una vivienda por primera vez y para quienes adquieren su primera residencia. Ofrecen requisitos de cualificaci\u00f3n y criterios crediticios m\u00e1s flexibles. Son ideales para quienes podr\u00edan considerar restrictivas otras opciones de pr\u00e9stamo.<\/p>\n<p>Un pr\u00e9stamo FHA no es una hipoteca normal. Es una opci\u00f3n de financiaci\u00f3n de viviendas asegurada por el Gobierno. Esto significa que, aunque un banco o prestamista autorizado concede el pr\u00e9stamo, \u00e9ste cuenta con el respaldo de la Administraci\u00f3n Federal de la Vivienda. Esto ofrece una capa adicional de seguridad tanto al prestamista como al prestatario.<\/p>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704909933433 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\nhome_work\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1704988447261\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>TIPOS DE INMUEBLES<\/h4>\n<ul>\n<li>Propiedades residenciales:\n<ul>\n<li>Unifamiliar<\/li>\n<li>Condominios<\/li>\n<li>Multifamiliar 2-4 Unidades<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704909933433 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\ninfo\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1727711883802\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>DETALLES DEL PROGRAMA<\/h4>\n<ul>\n<li><strong>Pago inicial m\u00ednimo:<\/strong> 3.5%<\/li>\n<li><strong>Relaci\u00f3n m\u00e1xima entre deuda e ingresos<\/strong>: 56%<\/li>\n<li><strong>L\u00edmite del importe del pr\u00e9stamo:<\/strong> $498,257 (var\u00eda seg\u00fan el tipo de propiedad, estado y condado)<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704909933433 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\n\nformat_list_bulleted\n\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1706718078879\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>requisitos<\/h4>\n<ul>\n<li>Las personas que soliciten un pr\u00e9stamo de la FHA deben aportar pruebas de empleo, ingresos y activos. La puntuaci\u00f3n crediticia m\u00ednima exigida es de 500. El pago inicial m\u00ednimo es de 3,5% para prestatarios con puntuaciones crediticias superiores a 580. Tambi\u00e9n deben cumplir los requisitos de relaci\u00f3n deuda-ingresos y de propiedad. Los prestatarios deben ser residentes legales en Estados Unidos y tener un n\u00famero de la Seguridad Social v\u00e1lido.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704909933433 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\nperson\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1704988515308\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>\u00bfqui\u00e9n puede solicitarlo?<\/h4>\n<ul>\n<li>Clientes nacionales: Ciudadanos de EE.UU., titulares de Green Card, Asilo Pol\u00edtico, TPS, DACAS, L1, E1, E2.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid vc_custom_1704909933433 vc_row-has-fill vc_row-o-equal-height vc_row-flex\"><div class=\"align-center wpb_column vc_column_container vc_col-sm-3\"><div class=\"vc_column-inner vc_custom_1704907398203\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_raw_code wpb_content_element wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<div class=\"iconos-prod\"><span class=\"material-symbols-outlined\" >\npercent\n<\/span><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><div class=\"wpb_column vc_column_container vc_col-sm-9\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1704988082741\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h4>\u00bfQu\u00e9 tipos de inter\u00e9s se aplican?<\/h4>\n<ul>\n<li>Los tipos est\u00e1n sujetos a los cambios del mercado y dependen del perfil del prestatario y de los par\u00e1metros del pr\u00e9stamo, como el importe del pr\u00e9stamo, el programa de pr\u00e9stamo y el tipo de propiedad.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t<\/div>\n<\/div><\/div><\/div><\/div><div class=\"vc_separator wpb_content_element vc_separator_align_center vc_sep_width_100 vc_sep_pos_align_center vc_separator_no_text vc_sep_color_grey\" ><span class=\"vc_sep_holder vc_sep_holder_l\"><span class=\"vc_sep_line\"><\/span><\/span><span class=\"vc_sep_holder vc_sep_holder_r\"><span class=\"vc_sep_line\"><\/span><\/span>\n<\/div><div class=\"vc_row wpb_row vc_inner vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><div class=\"vc_row wpb_row vc_row-fluid\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"wpb_wrapper\"><div class=\"vc_empty_space\"   style=\"height: 32px\"><span class=\"vc_empty_space_inner\"><\/span><\/div><\/div><\/div><\/div><div data-vc-full-width=\"true\" data-vc-full-width-init=\"false\" class=\"vc_row wpb_row vc_row-fluid vc_custom_1704388746672 vc_row-has-fill full-width\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"wpb_wrapper\"><div class=\"vc_row wpb_row vc_inner vc_row-fluid align-center\"><div class=\"wpb_column vc_column_container vc_col-sm-12\"><div class=\"vc_column-inner\"><div class=\"wpb_wrapper\">\n\t<div class=\"wpb_text_column wpb_content_element  vc_custom_1706804831479\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<h3 style=\"text-align: center;\">Para solicitarlo, p\u00f3ngase en contacto con un asesor hipotecario<\/h3>\n\n\t\t<\/div>\n\t<\/div>\n<a class=\"more botonwho align-center\" href=\"https:\/\/kalbadvisors.com\/es\/contact\/\" title=\"CONTACTO\">CONTACTO<\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vc_row-full-width vc_clearfix\"><\/div>\n<\/section>","protected":false},"excerpt":{"rendered":"NUESTROS PRODUCTOS PR\u00c9STAMOS DE LA FHA, COMPRADORES DE VIVIENDA POR PRIMERA VEZ \u00bfQu\u00e9 es una hipoteca de la FHA? Los pr\u00e9stamos de la FHA est\u00e1n dise\u00f1ados para compradores de vivienda por primera vez y para quienes adquieren su residencia principal. Ofrecen requisitos de calificaci\u00f3n y criterios de cr\u00e9dito m\u00e1s flexibles. Son ideales para quienes pueden encontrar restrictivas otras opciones de pr\u00e9stamo. Un pr\u00e9stamo de la FHA no es una hipoteca normal.","protected":false},"author":1,"featured_media":1747,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"taxonomy-ql_services_category.php","meta":{"_coblocks_attr":"","_coblocks_dimensions":"","_coblocks_responsive_height":"","_coblocks_accordion_ie_support":"","footnotes":""},"class_list":["post-3415","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3415","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/comments?post=3415"}],"version-history":[{"count":8,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3415\/revisions"}],"predecessor-version":[{"id":4120,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/pages\/3415\/revisions\/4120"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/media\/1747"}],"wp:attachment":[{"href":"https:\/\/kalbadvisors.com\/es\/wp-json\/wp\/v2\/media?parent=3415"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}