Cuatro preguntas rápidas para buscar los programas correctos antes de hablar.
Ya tengo tus datos. Escoge abajo tu llamada gratis de 15 minutos.
“Jesus is a really good bilingual real estate agent that helped me with all my questions. I recommend him especially for our community, specially that he is bilingual. He was there anytime I needed him in my purchase in record time.”
“Jesus was extremely helpful and easy to communicate with while purchasing my first home. Not only was he extremely responsive, he was able to help me secure a near 3% interest rate which isn’t the easiest to acquire in today’s mortgage market. Highly recommended!”
“Very pleased with our experience with Jesus. He kept us informed throughout the process and was always available to answer any questions. We would be happy to refer him to relatives and friends.”
“Excellent transaction with Jesus Garcia and his representatives. No issues nor complaints.”
“Jesus is a really good bilingual real estate agent that helped me with all my questions. I recommend him especially for our community, specially that he is bilingual. He was there anytime I needed him in my purchase in record time.”
“Jesus was extremely helpful and easy to communicate with while purchasing my first home. Not only was he extremely responsive, he was able to help me secure a near 3% interest rate which isn’t the easiest to acquire in today’s mortgage market. Highly recommended!”
“Very pleased with our experience with Jesus. He kept us informed throughout the process and was always available to answer any questions. We would be happy to refer him to relatives and friends.”
“Excellent transaction with Jesus Garcia and his representatives. No issues nor complaints.”
“Very pleased with our experience with Jesus. He kept us informed throughout the process and was always available to answer any questions. We would be happy to refer him to relatives and friends.”
“Excellent transaction with Jesus Garcia and his representatives. No issues nor complaints.”
“Jesus is a really good bilingual real estate agent that helped me with all my questions. I recommend him especially for our community, specially that he is bilingual. He was there anytime I needed him in my purchase in record time.”
“Jesus was extremely helpful and easy to communicate with while purchasing my first home. Not only was he extremely responsive, he was able to help me secure a near 3% interest rate which isn’t the easiest to acquire in today’s mortgage market. Highly recommended!”
“Very pleased with our experience with Jesus. He kept us informed throughout the process and was always available to answer any questions. We would be happy to refer him to relatives and friends.”
“Excellent transaction with Jesus Garcia and his representatives. No issues nor complaints.”
“Jesus is a really good bilingual real estate agent that helped me with all my questions. I recommend him especially for our community, specially that he is bilingual. He was there anytime I needed him in my purchase in record time.”
“Jesus was extremely helpful and easy to communicate with while purchasing my first home. Not only was he extremely responsive, he was able to help me secure a near 3% interest rate which isn’t the easiest to acquire in today’s mortgage market. Highly recommended!”
No trabajo con un solo prestamista ni te empujo un solo programa. Trabajo con muchos prestamistas y tengo acceso a decenas de programas — para poder comparar, encontrar el que sí le queda a tu situación, y conseguirte la mejor tasa y el menor costo. Un solo prestamista solo puede ofrecerte lo que él tiene. Yo lo comparo por ti.
¿No tienes seguro social? Hay prestamistas que prestan con ITIN. Lo que importa son tus impuestos declarados y comprobantes de ingresos.
Washington tiene programas que pueden cubrir parte de tu enganche y de los costos de cierre. Muchos compradores califican y nunca se enteran.
Enganches más bajos y mejores términos, hechos específicamente para quien compra su primera casa.
Con DACA o permiso de trabajo puedes calificar para préstamos convencionales y FHA igual que cualquier otra persona.
Algunos programas aceptan puntajes más bajos, y algunos prestamistas pueden armar tu historial con la renta, los servicios y el teléfono.
¿Contratista, jardinería, lonchera, limpieza? Existen programas de estados de cuenta hechos para cómo tú sí cobras.
15 minutos, en inglés o español, con un agente con licencia — no un centro de llamadas.
Repasamos los programas de préstamo y la ayuda de enganche para los que puedes calificar, de varios prestamistas distintos — y lo que cada uno te costaría de verdad.
Tú preguntas, yo contesto — un agente con licencia de eXp Realty que ha cerrado millones en volumen de ventas para compradores en el área de Puget Sound.
Desde la pre-aprobación hasta las llaves en la mano: qué pasa en cada etapa, cuánto tarda, y quién paga qué — explicado en palabras claras.
Ingresos, documentos, crédito, enganche: una lista clara de lo que necesitas — y en qué trabajar si todavía no estás listo.
No. En Estados Unidos cualquier persona puede ser dueña de una casa. Para el préstamo, si no tienes seguro social, existen los préstamos ITIN. Lo importante es tener tus impuestos declarados y comprobantes de ingresos.
Depende del tipo de préstamo y tu situación. Algunos programas piden un enganche pequeño, y en Washington hay programas de asistencia que pueden ayudarte con una parte. Los préstamos ITIN generalmente piden un enganche mayor que un préstamo tradicional. En tu consulta te digo números reales para tu caso.
Mi consulta es gratis siempre. Y en la mayoría de las compras, la comisión del agente del comprador la paga el vendedor. Cómo funciona en tu caso específico lo dejamos claro por escrito desde el primer día — sin sorpresas.
No te descalifica para siempre. Revisamos tu situación, te oriento sobre cómo construir o reparar tu crédito, y hay prestamistas que aceptan historial de pagos alternativo (renta, luz, teléfono). El peor error es no preguntar.
Sí. Hay programas de préstamo que aceptan DACA y permisos de trabajo — algunos con tan solo 3% de enganche y sin seguro hipotecario. Tu estatus no tiene que ser una barrera para ser dueño de tu casa.
Tu información es privada y no la comparto. Mi trabajo no es preguntarte por tu estatus migratorio — es ayudarte a comprar casa con las opciones que existen para tu situación.