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“Uno de los prestamos más populares para la compra de casa en New Mexico es la hipoteca FHA, la cual tiene criterios de calificación muy favorables.”

El idioma español es el segundo idioma más común en los Estados Unidos después de inglés. De hecho, el español es el idioma principal hablado en casa por más de 34 millones de personas en los EE.UU. Aun cuando muchas personas en los Estados Unidos hablan muy bien inglés, ellos prefieren manejar sus negocios en español.

He tenido la oportunidad de ayudar a mucha gente comprar casa in Español desde hace muchos años. Después de vivir en el Ecuador por un largo período de tiempo, regresé de los Estados Unidos y comencé  a trabajar como un prestamista de FHA en español para un banco nacional en donde ayudé a miles de personas en español hacer solicitudes para préstamos FHA para comprar o refinanciar sus casas. Ahora, sigo prestando servicio a los muchos que hablan español que están comprando casa o refinanciando su casa, y me siento mucho satisfecho al hacerlo. Entiendo la importancia de proporcionar un servicio de alta calidad a mis clientes de hipoteca que hablan español. Por eso, si está hacienda planes do obtener un préstamo en español, póngase en contacto conmigo hoy. Yo le ayudaré con mucho gusto.

Uno de los prestamos más populares para la compra de casa en New Mexico es la hipoteca FHA, la cual tiene criterios de calificación muy favorables.

• Las hipotecas FHA en New Mexico no requieren un puntaje de crédito FICO — puede ser un historial “no tradicional”, conocido en la industria como un “Non-Traditional Mortgage Credit Report”. Si tiene un historial de crédito escaso, se pueden agregar elementos “no tradicionales” de crédito como pagos de utilidades.
• Si tiene referencias negativas en su reporte de crédito, FHA le da la oportunidad de explicar lo que le paso y el FHA en New Mexico se enfoca en el año más reciente de su historial de crédito.
• Otra gran ventaja de FHA en New Mexico es que requiere un enganche  muy chico de solamente un 3.5% del precio de compra. New Mexico FHA permite que el vendedor le da un crédito de hasta 6% al comprador para cubrir todos los gastos de cierre.
• FHA en New Mexico también permite que el enganche y los gastos de cierre sean fondos recibidos de regalo.

Glosario de Términos

https://www.efanniemae.com/sf/refmaterials/glossary/pdf/stoeglossary.pdf

Steve Lines
Especialista de Préstamos FHA
email: slines@bestFHAlender.com
www.bestFHAlender.com
Academy Mortgage
New Mexico Mortgage License #1451

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The Spanish language is the second most-common language in the United States after English.  In fact, Spanish is the primary language spoken at home by over 34 million people in the U.S.  Even when many people in the United States speak English very well, statistics show that they prefer to handle their business transactions in Spanish, their native tongue.

I have had the opportunity to assist Spanish-speaking home buyers in New Mexico for many years.  After living in Ecuador for a period of time, I returned the United States and began my career as a Spanish-speaking loan officer.  Initially I provided Spanish home equity loans until I joined the Spanish FHA loan team for a large national lender where I assisted thousands of Spanish-speaking home owners across the country apply for Spanish FHA loans to buy or refinance their homes.  Today, many years later, I continue to provide service to many Spanish-speaking home buyers and Spanish-speaking home owners, and I gain great satisfaction in doing so.  I understand the importance of providing high quality service to my Spanish-speaking mortgage customers.  So, if you are planning on obtaining a New Mexico home loan in Spanish, contact me.  I will assist you through the combination of my deep lending experience and my years of Spanish-speaking home loan application experience.

Over the years, the few companies that I have worked for have promoted various “emerging market” programs that were designed to help first-time home buyers.  Although they did not directly promote these programs as such, it was well known that these programs were created specifically for Spanish-speaking immigrants.  In New Mexico, Spanish-speaking first-time home buyers are not an “emerging market”.  They are a large portion of the “current market”.  The 2006 American Community Survey from the United States Census Bureau found that the Spanish-speaking population of New Mexico totaled 823,352 and made up 43.27% of the population.

Because of the current housing crisis, the aforementioned emerging market programs are virtually non-existent.  However, Spanish-speaking first time home buyers in New Mexico can take advantage of the favorable qualifying criteria offered by New Mexico FHA loans.

The following points highlight some of the reasons that New Mexico FHA loans are popular with first-time home buyers:

• New Mexico FHA loans do not require a FICO credit score.  A New Mexico first-time home buyer who does not have a credit score can use “non-traditional” history known as “Non-Traditional Mortgage Credit Report”.  If you have a clean 12-month bill payment history you can use “non-traditional” items such as your utility bill.
• If you have negative information on your credit report, New Mexico FHA loan guidelines give you the chance to explain what happened.  New Mexico FHA mortgages focus on the most recent year of your credit history.
• Another great benefit of New Mexico FHA loans is that the required down payment is only 3.5% of the purchase price.  This is low compared to conventional loan guidelines.  In addition, New Mexico FHA loans allow the seller to pay up to 6% of your closing costs.
• New Mexico FHA loans also allow the funds for your down payment and closing costs to be gifted to you.

Steve Lines
FHA Mortgage Specialist
email: slines@bestfhalender.com
www.bestFHAlender.com
Academy Mortgage
New Mexico Mortgage License #1451