{"id":3804,"date":"2023-03-20T13:00:00","date_gmt":"2023-03-20T20:00:00","guid":{"rendered":"https:\/\/www.pcfcu.org\/blog\/stay-afloat-with-your-mortgage\/"},"modified":"2025-07-03T18:32:02","modified_gmt":"2025-07-04T01:32:02","slug":"lunes-de-hipotecas-mantengase-a-flote-con-su-hipoteca","status":"publish","type":"post","link":"https:\/\/www.pcfcu.org\/es\/blog\/lunes-de-hipotecas-mantengase-a-flote-con-su-hipoteca\/","title":{"rendered":"Mant\u00e9ngase a flote con su hipoteca"},"content":{"rendered":"<p><p dir=\"ltr\" style=\"text-align: left;\">Seg\u00fan un nuevo informe, quienes han comprado una vivienda recientemente corren el riesgo de quedar infravalorados en sus hipotecas. Los propietarios pueden atribuirlo a hipotecas hist\u00f3ricamente altas y precios de vivienda desorbitados.<\/p>\n<h5 dir=\"ltr\" style=\"text-align: left;\"><strong>Hipotecas bajo el agua<\/strong><\/h5>\n<p dir=\"ltr\" style=\"text-align: left;\">El informe encontr\u00f3 que alrededor de 250.000 estadounidenses que sacaron una hipoteca en los \u00faltimos dos a\u00f1os ahora estaban bajo el agua.<\/p>\n<p dir=\"ltr\" style=\"text-align: left;\">Eso significa que la casa que compraron vale menos que el pr\u00e9stamo que pidieron. Cuando su hipoteca est\u00e1 sobrevalorada, es casi imposible venderla o refinanciarla. Si intenta venderla, probablemente no recuperar\u00e1 lo suficiente para pagar la hipoteca. Del mismo modo, si intenta refinanciarla, es probable que el prestamista no le ofrezca un pr\u00e9stamo lo suficientemente grande como para cubrir la hipoteca anterior. Como Money\u00a0<a href=\"https:\/\/money.com\/homes-owners-underwater-mortgages-2023\/\" target=\"_blank\" rel=\"noopener\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/money.com\/homes-owners-underwater-mortgages-2023\/&amp;source=gmail&amp;ust=1671903258744000&amp;usg=AOvVaw30HUh1ObyXACZ4G3EmLtRn\">notas<\/a>El informe encontr\u00f3 que el aumento de los precios de las viviendas y las crecientes tasas hipotecarias hicieron subir los pagos hipotecarios y los saldos totales, lo que hace que los compradores de viviendas recientes sean los que corren mayor riesgo de estar bajo el agua.<\/p>\n<h5 dir=\"ltr\" style=\"text-align: left;\"><strong>En resumen<\/strong><\/h5>\n<p dir=\"ltr\" style=\"text-align: left;\">La buena noticia es que solo debe preocuparse por el sobreprecio de su casa si busca venderla o refinanciarla. Tenga paciencia. Incluso si los precios de las viviendas siguen bajando, lo mejor que puede hacer es seguir pagando su hipoteca a tiempo. Con el tiempo, el mercado se estabilizar\u00e1 y los precios de las viviendas volver\u00e1n a subir.<\/p>\n<figure id=\"attachment_4369\" aria-describedby=\"caption-attachment-4369\" style=\"width: 150px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-4369 size-thumbnail\" src=\"https:\/\/www.pcfcu.org\/wp-content\/uploads\/Hollyanna-Vopat-Steiner-scaled-e1640196371101-150x150.jpg\" alt=\"Una foto de nuestra oficial hipotecaria, Hollyanna Vopat-Steiner\" width=\"150\" height=\"150\" \/><figcaption id=\"caption-attachment-4369\" class=\"wp-caption-text\">Hollyanna Vopat-Steiner<br \/>Oficial de pr\u00e9stamos hipotecarios<br \/>NMLS #1227394<br \/>(360) 426-1601 ext.3162<br \/>hvopatsteiner@pcfcu.org<\/figcaption><\/figure>\n<p dir=\"ltr\" style=\"text-align: left;\"><em>Esta publicaci\u00f3n se public\u00f3 en colaboraci\u00f3n con nuestro socio SavvyMoney. Autor original: Chris O&#039;Shea.<\/em><\/p><\/p>","protected":false},"excerpt":{"rendered":"<p>Seg\u00fan un nuevo informe, quienes han comprado una vivienda recientemente corren el riesgo de quedar infravalorados en sus hipotecas. Los propietarios pueden agradecer... <a href=\"https:\/\/www.pcfcu.org\/es\/blog\/lunes-de-hipotecas-mantengase-a-flote-con-su-hipoteca\/\">Leer m\u00e1s<\/a><\/p>","protected":false},"author":10,"featured_media":3805,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"class_list":["post-3804","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Stay Afloat With Your Mortgage - Peninsula CU<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pcfcu.org\/es\/blog\/lunes-de-hipotecas-mantengase-a-flote-con-su-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Stay Afloat With Your Mortgage - Peninsula CU\" \/>\n<meta property=\"og:description\" content=\"According to a new report, recent home buyers are at risk of being underwater on their mortgages. 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