HOW to qualify mortgage loan? COMO calificar prestamo Casa?

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Real Estate Agent with ICALREALTY DRE# 01380599

818-276-6882 Welcome to our Real Estate BLOG with information about properties, financing options and general information to guide you to become a homeowner or investor - Bienvenido a nuestro blog en espanol sobre bienes y raices con informacion sobre propiedades, tipos de financiamiento para primeros compradores e informacion general sobre el proceso de compra.

 

Today, i will guide you about the requirements to qualify for a mortgage loan in California with FHA federal housing authority , first time buyer loan program with low downpayment 3.5% for homes and 2-4 units or income properties, owner occupied.

 

HOY les explicare como obtener el financiamiento hipotecario y los requisitos para ser pre-aprobados  antes de ver propiedades dentro de su alcance,  en el area de su eleccion. 

Si Ud reune los siguiente requisitos favor solicite una cita con Lupe Soto Realtor en la oficina de Burbank CA en el Valle de San Fernando.

Si ud NO reune los requisitos su OPCION seria comprar con un garante/co-signer o familiar que tenga los requisitos requeridos.   

Prestamos para primeros compradores con FHA (federal housing authority primer comprador) con bajo enganche 3.5% o VA prestamos para Veteranos SIN enganche o prestamo hiptecario CONV convencional para primeros compradores de condos townhomes en venta con enganche  5%.  Para duenos de propiedades o inversionistas el enganche seria entre  20%-25% .

 

COMO CALIFICAR PARA PRESTAMO DE CASA/ CONDO / TOWNHOME?

Revise los requisitos y sirvase llamar hoy 818-276-6882 Lupe Soto Realtor

CONTACT LUPE click aqui

 

Requirement - REQUISITOS

  • JOB STABILITY :  minimum 2 years of stable job with valid social security -
    2 anos de trabajo estable en la misma linea de trabajo, y tener seguro social valido

  • INCOME :  2017 and 2016 income taxes to apply , salary employed or self employed -
    Proporcionar sus income taxes de los 2 ultimos anos para utilizar sus ingresos y poder determinar cuanto le puede financiar el banco hipotecario FHA, el ingreso requerido depende del tipo de propiedad que ud desea comprar, por ejemplo en Los Angeles CA, el precio promedio de casas es de $380,000 y el ingreso requerido minimo seria de $65,000 (approx $35/hora lo cual se combina el ingreso de los aplicantes, dependiendo de sus deudas en el reporte de credito o pagos de auto. Le recomendaremos a un prestamista en su idioma para ayudarlo a calificar.  

  • MINIMUM INCOME to apply :  in San Fernando Valley Los Angeles the price range of houses for sale are from $380,000, ideal minimum income is $65,000/yr or more or $35/hour this is just an example other factors are used by the bank to qualify you such as your credit card and auto loan payments, you can combine husband and wife income or family income, min 2 years job, For a CONDO or townhome  ideal minimum income is $36,000 to $60,000/year.  
    For PALMDALE Lancaster the ideal income for a house is approx $40,000/year and the price range of houses are from $190,000 and up as of April 2018.
    Ingresos minimos aplican explicados arriba.

  • CREDIT FICO SCORE minimum 640 to buy a property with low downpayment 3.5%
    Puntaje de credito minimo 640 para calificar prestamo con bajo enganche, excepciones aplican, a mayor enganche es mas facil calificar con puntaje 580-639 se requerira 10% de enganche con FHA 

  • DOWN PAYMENT saved in your bank account, 401K , stocks, bonds. provide last 2 bank statements. IF you need to sell personal property or real estate please document the source of the downpayment.    Tener los ahorros suficientes para down payment o enganche estara documentado en una cuenta de cheques o ahorros o plan de retiro 401K , si ud va a vender su propiedad en otro pais o sus vehiculos, favor documentar la venta con copia del pink slip del carro o copia de los papeles de venta de su propiedad en USA o en el extranjero. El programa FHA primeros compradores permite que el enganche sea regalo de sus padres o algun familiar directo siempre y cuando los fondos sean documentados y el donante proporcione copias de los estados de cuenta de los 2 ultimos meses.

  • CO-SIGNER GARANTES .  If your income or credit does not allow you to qualify or if your income is NOT enough to qualify, you can apply for a mortgage loan with a co-signer family member etc.             Si ud NO tiene los requisitos indicados o sus ingresos NO reunen el ingreso minimo, o Ud no tiene seguro social valid,  Ud tiene la OPCION de conseguir un familiar que califique con sus ingresos y que sea primer comprador , cualquier pregunta al respecto, sirvase llamar a Lupe Soto Realtor para mas detalles sobre los co-signers.

  • PRICE RANGES. in los Angeles CA and San Fernando Valley the average home for sale is from $380,000.  for Condos townhomes the average price is from $240,000.   Other affordable areas are Palmdale Lancaster North Los Angeles with homes for sale from $180,000 and the ideal income is from $36,000/year .
    Precios promedios de casas en venta en Los Angeles y Palmdale estan indicados arriba.
    SI UD REUNE LOS REQUISITOS ARRIBA INDICADOS, UD CALIFICA, SIRVASE PEDIR UNA CITA CON LUPE SOTO REALTOR Y AVISENOS QUE UD ESTA LISTA PARA SER PRE-CALIFICADO, LA CONSULTA ES GRATIS ! 

If you have the above requirements, YOU QUALIFY. lender referral is available, please CALL for a free consultation to be pre-approved.  if you have questions, please contact us by calling or sending a message with your name, email addredss and phone# . FREE consultation. FREE pre-qualification.

 

 CONTACT LUPE SOTO REALTOR (Hablo Espanol) click here

 

 818-276-6882 Lupe Soto Realtor

 

FREE HOME SEARCH - ANY AREA - ANY PRICE - ANYTIME

 

BUSCADOR DE CASAS - TODAS LAS AREAS - TODOS LOS PRECIOS 

www.HomesWithLupe.com

 

CASAS EN VENTA www.CasasConLupeSoto.com 

 

AREAS DE SERVICIO : Casas en Venta San Fernando Valley Los Angeles County CA California USA - PRESTAMOS FHA PRIMEROS COMPRADORES - BAJO ENGANCHE
Arleta Burbank Burbank Hills Canoga Park Encino Glendale Granada Hills Lake Balboa Lake View Terrace Mission Hills North Hollywood Norh Hills Northridge Panorama City Pacoima Porter Ranch San Fernando City Reseda Sherman Oaks Studio City Sylmar Sun Valley Sunland Shadow Hills Toluca Lake Tujunga Valley Village Valley Glen Van Nuys Winnetka Woodland Hills. Valencia New Hall, Saugus, Canyon Country, Acton Castaic Palmdale Lancaster serving areas San Fernando Valley, Santa Clarita Valley & Antelope Valley in Los Angeles County California   Llame hoy #LupeSotoRealtor 818-276-6882 

 

Posted by

Lupe Soto Realtor® Designee CERTIFIED International Property Specialist, GLOBAL Agent USA & The Americas Central & South America.
Listing Agent, Seller Agent, Buyer Agent, Relocation Specialist 
BUY -  SELL - LEASE  - LOCAL - NATIONAL - GLOBALLY
Everything I LIST TO SELL,  TURNS TO SOLD!

Agente Inmobiliario Bienes y Raices Local, Nacional & Internacional
Desea vender su casa?  Desea comprar una casa, pensando en reubicarse a USA 
COMPRA-  VENTA - REUBICARSE  
TODO LO QUE ENLISTO PARA VENDER, SE VENDE!

818-276-6882 Lupe Soto - Global Cell 



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ICALREALTY- Lupe Soto Realtor & GLOBAL Real Estate Agent International - Agente Bienes & Raices
Burbank CA 91505 USA

 

 (*) any information relating to real estate for sale referenced in this video blog comes from the MLS. this information may reference real estate listing held by a brokerage firm other than the broker and/or agent providing this information.

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