{"id":3810,"date":"2023-04-10T13:00:19","date_gmt":"2023-04-10T20:00:19","guid":{"rendered":"https:\/\/www.pcfcu.org\/blog\/mortgage-monday-be-smart-about-your-mortgage\/"},"modified":"2025-07-03T18:32:03","modified_gmt":"2025-07-04T01:32:03","slug":"lunes-de-hipotecas-sea-inteligente-con-su-hipoteca","status":"publish","type":"post","link":"https:\/\/www.pcfcu.org\/es\/blog\/lunes-de-hipotecas-sea-inteligente-con-su-hipoteca\/","title":{"rendered":"Lunes hipotecario: Sea inteligente con su hipoteca"},"content":{"rendered":"<p><p style=\"text-align: left;\">Es un mercado de vendedores. Eso significa que los precios de las viviendas son altos y el inventario es bajo. Si est\u00e1 buscando una casa ahora mismo, un mercado de vendedores puede ser problem\u00e1tico. Podr\u00eda verse tentado a comprar una casa que realmente no quiere o incluso una que no puede pagar. No se exceda de su presupuesto solo por ser propietario de una casa.<\/p>\n<p style=\"text-align: left;\">El problema (y no es solo un problema de la pandemia, sino uno que llevamos a\u00f1os enfrentando) con las hipotecas es la tendencia de algunos prestamistas a aprobar un pr\u00e9stamo mayor al que se puede pagar. Si bien la mayor\u00eda de los prestamistas permiten una relaci\u00f3n deuda-ingresos de hasta el 38% (incluida la hipoteca), algunos van incluso m\u00e1s all\u00e1. Recuerda: Que te hayan aprobado una hipoteca no significa que puedas permitirte comprar la casa y vivir en ella.<\/p>\n<p style=\"text-align: left;\">Lo primero que debes hacer es revisar tu presupuesto y ver cu\u00e1l es el monto m\u00e1ximo mensual que estar\u00edas dispuesto a pagar por la hipoteca.\u00a0<a href=\"https:\/\/www.usatoday.com\/story\/money\/personalfinance\/real-estate\/2021\/07\/22\/1-big-mortgage-risk-to-avoid-in-this-crazy-market\/117602686\/\" target=\"_blank\" rel=\"noopener\">Notas de USA Today<\/a>Al considerar esa cantidad, aseg\u00farese de considerar los gastos fijos y variables, as\u00ed como los objetivos a largo plazo y los ahorros para la jubilaci\u00f3n. Una vez que tenga en mente el pago m\u00e1ximo, use una calculadora de hipotecas en l\u00ednea para ver qu\u00e9 tipo de pr\u00e9stamo se ajusta a su presupuesto. Cuando sepa el monto total del pr\u00e9stamo que puede pagar, podr\u00e1 calcular cu\u00e1nto puede pagar de entrada.<\/p>\n<p style=\"text-align: left;\">Con tus datos en la mano, es hora de solicitar hipotecas. Aseg\u00farate de conseguir la mejor oferta disponible. Conocer tus l\u00edmites tambi\u00e9n te ayudar\u00e1 a la hora de buscar vivienda. Solo busca casas que se ajusten a tu presupuesto. Esto eliminar\u00e1 la tentaci\u00f3n de excederte.<\/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 style=\"text-align: left;\"><em>Esta publicaci\u00f3n se public\u00f3 en colaboraci\u00f3n con nuestro socio SavvyMoney. Autor original: <\/em>Chris O&#039;Shea<\/p><\/p>","protected":false},"excerpt":{"rendered":"<p>Es un mercado favorable para los vendedores. Eso significa que los precios de las viviendas son altos y el inventario es bajo. Si est\u00e1 buscando una... <a href=\"https:\/\/www.pcfcu.org\/es\/blog\/lunes-de-hipotecas-sea-inteligente-con-su-hipoteca\/\">Leer m\u00e1s<\/a><\/p>","protected":false},"author":10,"featured_media":3811,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[54],"class_list":["post-3810","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>Mortgage Monday: Be Smart About 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-sea-inteligente-con-su-hipoteca\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage Monday: Be Smart About Your Mortgage - Peninsula CU\" \/>\n<meta property=\"og:description\" content=\"It\u2019s a seller\u2019s market. That means home prices are high and the inventory is low. 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