{"id":636,"date":"2025-09-11T20:06:02","date_gmt":"2025-09-11T20:06:02","guid":{"rendered":"https:\/\/drizvak.com\/?p=636"},"modified":"2026-01-26T20:43:20","modified_gmt":"2026-01-26T20:43:20","slug":"cow-rec-feed-mortgage-us","status":"publish","type":"post","link":"https:\/\/drizvak.com\/es\/cow-rec-feed-mortgage-us\/","title":{"rendered":"C\u00f3mo obtener financiaci\u00f3n hipotecaria en EE. 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color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e825a0d42f2582158004-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e825a0d42f2582158004-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e825a0d42f2582158004-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e825a0d42f2582158004-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e825a0d42f2582158004-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e825a0d42f2582158004-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e825a0d42f2582158004-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e825a0d42f2582158004-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e825a0d42f2582158004-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e825a0d42f2582158004-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e825a0d42f2582158004-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e825a0d42f2582158004-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e825a0d42f2582158004-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e825a0d42f2582158004-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e825a0d42f2582158004-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e825a0d42f2582158004-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e825a0d42f2582158004-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e825a0d42f2582158004-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e825a0d42f2582158004-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e825a0d42f2582158004-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e825a0d42f2582158004-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e825a0d42f2582158004-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e825a0d42f2582158004-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e825a0d42f2582158004-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e825a0d42f2582158004-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e825a0d42f2582158004-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e825a0d42f2582158004-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e825a0d42f2582158004-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e825a0d42f2582158004-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e825a0d42f2582158004-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e825a0d42f2582158004-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e825a0d42f2582158004-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e825a0d42f2582158004-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e825a0d42f2582158004-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e825a0d42f2582158004-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e825a0d42f2582158004-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e825a0d42f2582158004-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e825a0d42f2582158004-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e825a0d42f2582158004-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e825a0d42f2582158004-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e825a0d42f2582158004-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e825a0d42f2582158004-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e825a0d42f2582158004-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e825a0d42f2582158004-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e825a0d42f2582158004-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e825a0d42f2582158004-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e825a0d42f2582158004-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e825a0d42f2582158004-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e825a0d42f2582158004-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e825a0d42f2582158004-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e825a0d42f2582158004-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e825a0d42f2582158004-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e825a0d42f2582158004-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e825a0d42f2582158004-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e825a0d42f2582158004-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e825a0d42f2582158004-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e825a0d42f2582158004-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e825a0d42f2582158004-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e825a0d42f2582158004-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e825a0d42f2582158004-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e825a0d42f2582158004-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e825a0d42f2582158004-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e825a0d42f2582158004-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e825a0d42f2582158004-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e825a0d42f2582158004-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e825a0d42f2582158004-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e825a0d42f2582158004-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e825a0d42f2582158004-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e825a0d42f2582158004-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e825a0d42f2582158004-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e825a0d42f2582158004-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e825a0d42f2582158004-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e825a0d42f2582158004-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e825a0d42f2582158004-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e825a0d42f2582158004-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e825a0d42f2582158004-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e825a0d42f2582158004-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e825a0d42f2582158004-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e825a0d42f2582158004-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e825a0d42f2582158004-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e825a0d42f2582158004-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e825a0d42f2582158004-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e825a0d42f2582158004-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69e825a0d42f2582158004-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n                                  <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69e825a0d42f2582158004-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69e825a0d42f2582158004-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69e825a0d42f2582158004-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69e825a0d42f2582158004-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69e825a0d42f2582158004-city><\/span>\n            <\/p>\n          <\/div>\n        \n        <!-- Job Description -->\n        <p data-namespace69e825a0d42f2582158004-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69e825a0d42f2582158004-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69e825a0d42f2582158004-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69e825a0d42f2582158004-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n        \n        <!-- Apply Button -->\n        <a data-namespace69e825a0d42f2582158004-url href=\"\" style=\"display: inline-block; background: var(--ast-global-color-0); color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            COMPRUEBE AHORA          <\/button>\n        <\/a>\n              <\/div>\n      <\/div>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>1. \u00bfC\u00f3mo funciona la financiaci\u00f3n inmobiliaria en Estados Unidos?<\/strong><\/h2>\n\n\n\n<p>En Estados Unidos, la financiaci\u00f3n de bienes ra\u00edces se denomina <strong>hipoteca<\/strong>Es un contrato en el que el banco o la entidad financiera presta el importe necesario para la compra, y la propiedad sirve de garant\u00eda. Se pagan cuotas mensuales que incluyen:<\/p>\n\n\n\n<ul>\n<li><strong>Principal<\/strong>:la parte que reduce tu deuda.<\/li>\n\n\n\n<li><strong>Honorarios<\/strong>:costo de pedir dinero prestado.<\/li>\n\n\n\n<li><strong>Impuestos y seguros<\/strong>:generalmente se cobran juntos (fideicomiso).<\/li>\n\n\n\n<li><strong>Seguro hipotecario<\/strong> (cuando corresponda).<\/li>\n<\/ul>\n\n\n\n<p>En otras palabras, la cuota no es simplemente un \u201cpago bancario\u201d, sino un paquete de diferentes cargos.<\/p>\n\n\n<div class=\"wp-block-lazyblock-cta lazyblock-cta-25FFvH\">\n\n<section class=\"cta mx-5 sm:mx-0 text-gray-600 body-font my-10 border-gray-200 border-b border-l border-r sm:border-0\">\n  <div class=\"h-1 bg-gray-200 rounded overflow-hidden\">\n    <div class=\"w-24 h-full\"><\/div>\n  <\/div>\n  <div class=\"container px-5 pt-6 pb-6 mx-auto flex flex-wrap\" data-anchor-target=\"lazyBlock\">    \n  \n          <a class=\"flex flex-wrap content-center w-full mb-4 md:hidden\" href=\"https:\/\/todayinformatica.com.br\/bank-of-america-mortgage\/\" data-analytics-label=\"ctaImage\" data-action=\"analytics#trackCTA\" aria-label=\"Gu\u00eda para financiar una propiedad a trav\u00e9s de Bank of America\">\n        <div class=\"m-auto float-none\">\n          <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/drizvak.com\/wp-content\/uploads\/sites\/204\/2025\/09\/bank-of-america.jpg\" alt=\"\">\n        <\/div>\n      <\/a>\n        <h2 class=\"w-full sm:text-3xl text-2xl text-gray-900 font-medium title-font mb-2 text-center md:text-left md:w-2\/5\">\n      <a style=\"text-decoration: none;\" href=\"https:\/\/todayinformatica.com.br\/bank-of-america-mortgage\/\" data-analytics-label=\"ctaTitle\" data-action=\"analytics#trackCTA\" aria-label=\"Gu\u00eda para financiar una propiedad a trav\u00e9s de Bank of America\">\n          Gu\u00eda para financiar una propiedad a trav\u00e9s de Bank of America      <\/a>\n    <\/h2>\n    <div class=\"w-full md:w-3\/5 md:pl-6\">\n      <p class=\"text-center md:text-left leading-relaxed text-base\">\n          Consulta la gu\u00eda completa paso a paso, consulta los tipos de inter\u00e9s y los tipos de financiaci\u00f3n hipotecaria disponibles.      <\/p>\n      <div class=\"flex mt-6 w-full flex-1 justify-center ml-auto md:mt-4 md:justify-start\" style=\"font-weight: bold;\">\n        <a style=\"text-decoration: none;\" class=\"inline-flex items-center\" href=\"https:\/\/todayinformatica.com.br\/bank-of-america-mortgage\/\" data-analytics-label=\"ctaButton\" data-action=\"analytics#trackCTA\" >\n          Sigue leyendo          <svg fill=\"none\" stroke=\"currentColor\" stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2\" class=\"w-4 h-4 ml-2\" viewbox=\"0 0 24 24\">\n            <path d=\"M5 12h14M12 5l7 7-7 7\"><\/path>\n          <\/svg>\n        <\/a>\n      <\/div>\n    <\/div>  \n        \n  <\/div>\n<\/section><\/div>\n\n\n<h2 class=\"wp-block-heading\"><strong>2. \u00bfCu\u00e1nto pago inicial necesito?<\/strong><\/h2>\n\n\n\n<p>Uno de los primeros puntos que genera dudas es el pago inicial. A diferencia de Brasil, donde es com\u00fan dar un pago inicial de 20% o m\u00e1s, en EE. UU. existen programas que permiten comprar una casa por mucho menos:<\/p>\n\n\n\n<ul>\n<li><strong>3%<\/strong>:Programas convencionales especiales (Fannie Mae, Freddie Mac).<\/li>\n\n\n\n<li><strong>3,5%<\/strong>:Programa de la FHA (Administraci\u00f3n Federal de Vivienda).<\/li>\n\n\n\n<li><strong>0%<\/strong>:Programas de VA (veteranos) y USDA (\u00e1reas rurales elegibles).<\/li>\n\n\n\n<li><strong>20% o m\u00e1s<\/strong>:Financiaci\u00f3n convencional est\u00e1ndar (evita el seguro PMI).<\/li>\n<\/ul>\n\n\n\n<p>En la pr\u00e1ctica, la tarifa de entrada media a los EE. UU. es <strong>9% para compradores de vivienda por primera vez<\/strong> y <strong>18% para compradores generales<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>3. \u00bfC\u00f3mo ser\u00e1n los tipos de inter\u00e9s en 2025?<\/strong><\/h2>\n\n\n\n<p>Las tasas var\u00edan considerablemente seg\u00fan su puntaje crediticio, el monto del enganche, el tipo de propiedad y el banco. Para darle una idea de los promedios nacionales a septiembre de 2025:<\/p>\n\n\n\n<ul>\n<li><strong>30 a\u00f1os fijos (convencionales)<\/strong>: alrededor <strong>6,5%<\/strong> por a\u00f1o.<\/li>\n\n\n\n<li><strong>15 a\u00f1os fijos (convencionales)<\/strong>: alrededor <strong>5,6%<\/strong> por a\u00f1o.<\/li>\n\n\n\n<li><strong>FHA 30 a\u00f1os<\/strong>: tasas efectivas (TAE) entre <strong>6.7% y 7.0%<\/strong>, dependiendo del prestamista.<\/li>\n\n\n\n<li><strong>Tasas variables (ARM)<\/strong>:Comienzan m\u00e1s bajos, pero pueden subir despu\u00e9s de unos a\u00f1os.<\/li>\n<\/ul>\n\n\n\n<p>Recuerda: lo que realmente importa es la <strong>Tasa de Porcentaje Anual (APR)<\/strong>, que incluye intereses + costes integrados (seguros, comisiones y puntos).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>4. Costos impl\u00edcitos en la financiaci\u00f3n<\/strong><\/h2>\n\n\n\n<p>A muchas personas les sorprende descubrir que, adem\u00e1s del precio de la entrada, tienen que pagar varios <strong>costos de cierre<\/strong>. Por lo general se quedan entre <strong>2% y 5% del precio de la propiedad<\/strong>Vea los principales:<\/p>\n\n\n\n<ul>\n<li><strong>Tarifa de originaci\u00f3n<\/strong>:tarifa que cobra el banco para abrir el pr\u00e9stamo.<\/li>\n\n\n\n<li><strong>honorarios de tasaci\u00f3n<\/strong>:tasaci\u00f3n profesional de propiedad (en promedio US$$ 400\u2013700).<\/li>\n\n\n\n<li><strong>Tarifa de informe de cr\u00e9dito<\/strong>:verificaci\u00f3n del historial crediticio (US$ 30\u201350).<\/li>\n\n\n\n<li><strong>Seguro de t\u00edtulo<\/strong>:seguro contra problemas con el t\u00edtulo de propiedad.<\/li>\n\n\n\n<li><strong>Fideicomiso (prepagos)<\/strong>:dep\u00f3sito anticipado de impuestos y seguro de hogar.<\/li>\n\n\n\n<li><strong>PMI o MIP<\/strong>:Seguro hipotecario que se cobra cuando el pago inicial es bajo.<\/li>\n\n\n\n<li><strong>Puntos de descuento<\/strong>:tarifa opcional para reducir el inter\u00e9s (1 punto = 1% del importe del pr\u00e9stamo).<\/li>\n<\/ul>\n\n\n\n<p>Estos costos aparecen en el <strong>Estimaci\u00f3n del pr\u00e9stamo<\/strong>, documento obligatorio que proporciona el banco.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>5. M\u00e9todos de financiaci\u00f3n<\/strong><\/h2>\n\n\n\n<p>Existen varias opciones de financiaci\u00f3n y cada una se adapta a un perfil diferente:<\/p>\n\n\n\n<ol>\n<li><strong>Convencional (Conforme)<\/strong>\n<ul>\n<li>Entrada m\u00ednima: 3% a 20%.<\/li>\n\n\n\n<li>Se requiere PMI con pago inicial menor a 20%.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>FHA<\/strong>\n<ul>\n<li>Pago inicial: 3,5% (FICO \u2265 580) o 10% (FICO 500\u2013579).<\/li>\n\n\n\n<li>M\u00e1s accesible para aquellos con bajo cr\u00e9dito.<\/li>\n\n\n\n<li>Seguro hipotecario obligatorio (MIP).<\/li>\n\n\n\n<li>Tasas efectivas en 2025: entre <strong>6,7% y 7,0% APR<\/strong>.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Asuntos de Veteranos (VA)<\/strong>\n<ul>\n<li>Exclusivo para personal militar, veteranos y algunos c\u00f3nyuges.<\/li>\n\n\n\n<li>Sin entrada y condiciones muy ventajosas.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>USDA<\/strong>\n<ul>\n<li>Pago inicial cero para propiedades en \u00e1reas rurales espec\u00edficas.<\/li>\n\n\n\n<li>L\u00edmite de ingresos para calificar.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>Pr\u00e9stamo Jumbo<\/strong>\n<ul>\n<li>Para propiedades superiores a US$ 806,500 (en 2025, en \u00e1reas est\u00e1ndar).<\/li>\n\n\n\n<li>Requiere excelente cr\u00e9dito y un pago inicial mayor.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li><strong>ARM (hipoteca de tasa ajustable)<\/strong>\n<ul>\n<li>Tasa inicial m\u00e1s baja.<\/li>\n\n\n\n<li>Ajuste despu\u00e9s de 5, 7 o 10 a\u00f1os.<\/li>\n\n\n\n<li>Recomendado para quienes tengan intenci\u00f3n de vender antes del ajuste.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>6. La financiaci\u00f3n paso a paso<\/strong><\/h2>\n\n\n\n<ol>\n<li><strong>Establezca su presupuesto<\/strong>:Tenga en cuenta el pago inicial, los costos de cierre y el fondo de emergencia.<\/li>\n\n\n\n<li><strong>Verifique su puntuaci\u00f3n crediticia<\/strong>:Cuanto mayor sea la tasa, menor ser\u00e1 el inter\u00e9s.<\/li>\n\n\n\n<li><strong>Solicitar preaprobaci\u00f3n<\/strong>:fortalece su propuesta en la negociaci\u00f3n.<\/li>\n\n\n\n<li><strong>Compara al menos 3 bancos<\/strong>:Obtenga estimaciones de pr\u00e9stamos el mismo d\u00eda.<\/li>\n\n\n\n<li><strong>Elige la forma de financiaci\u00f3n<\/strong>:evaluar plazo y condiciones.<\/li>\n\n\n\n<li><strong>Bloquee su tasa de inter\u00e9s (bloqueo de tasa)<\/strong>:asegura que no subir\u00e1 hasta el cierre.<\/li>\n\n\n\n<li><strong>Terminar con el cierre<\/strong>:firma de papeles y transferencia de la casa.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>7. Consejos para pagar menos<\/strong><\/h2>\n\n\n\n<ul>\n<li>Si es posible, <strong>Dar entrada 20%<\/strong> para eliminar el PMI.<\/li>\n\n\n\n<li><strong>Mejora tu cr\u00e9dito<\/strong> Antes de aplicar.<\/li>\n\n\n\n<li><strong>Comparar TAE<\/strong> y no s\u00f3lo la tasa de inter\u00e9s anunciada.<\/li>\n\n\n\n<li>Analizar si vale la pena pagar <strong>puntos de descuento<\/strong>.<\/li>\n\n\n\n<li>No aceptes el primer banco: <strong>negociar tarifas y honorarios<\/strong>.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>8. Bancos e instituciones m\u00e1s ventajosos<\/strong><\/h2>\n\n\n\n<p>No existe un \u00fanico banco que sea siempre el mejor, pero algunos destacan:<\/p>\n\n\n\n<ul>\n<li><strong>Banco de Am\u00e9rica<\/strong> y <strong>Banco de EE. UU.<\/strong>:Buenos paquetes para clientes de cuenta corriente.<\/li>\n\n\n\n<li><strong>Hipoteca Rocket<\/strong>: facilidad y velocidad en l\u00ednea, tasas FHA competitivas (por ejemplo, ~5,99% nominal, 6,8% APR).<\/li>\n\n\n\n<li><strong>Veteranos Unidos<\/strong>:L\u00edder en pr\u00e9stamos VA.<\/li>\n\n\n\n<li><strong>Cooperativas de cr\u00e9dito locales<\/strong>:a menudo ofrecen tarifas m\u00e1s bajas.<\/li>\n\n\n\n<li><strong>Hipoteca Prosperity Home y Hipoteca Movement<\/strong>:destacar la satisfacci\u00f3n del cliente<\/li>\n<\/ul>\n\n\n<div class=\"wp-block-lazyblock-accordion lazyblock-accordion-29iVnP\"><script type=\"module\">\n  import { Application, Controller } from \"\/wp-content\/themes\/twentytwentyone\/assets\/js\/stimulus.min.js\";\n  const Stimulus = Application.start();\n\n  Stimulus.register(\"accordion\", class extends Controller {\n\n    static get targets() {\n        return [ \"title\", \"description\", \"icon\" ];\n    }\n\n    update(event) {\n      let accordionIndex = Number(event.target.getAttribute('data-accordion-index'));\n      let description = this.descriptionTargets[accordionIndex];\n      let icon = this.iconTargets[accordionIndex];\n      \n      description.classList.toggle('animate-fade-in-down');\n      description.classList.toggle('hidden');\n      icon.classList.toggle('rotate-180');\n    }\n\n  });\n<\/script><div data-controller=\"accordion\" class=\"mx-5 sm:mx-0 rounded mt-10 mb-20\">\n\t<div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"0\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"0\">\n                        \u00bfRealmente necesito el 20% como pago inicial?                    <\/span>\n                    <svg data-accordion-index=\"0\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        No. Hay programas que permiten un enganche de 3% o 3.5%. Pero 20% evita el seguro PMI.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"1\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"1\">\n                        \u00bfQu\u00e9 es PMI?                    <\/span>\n                    <svg data-accordion-index=\"1\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Es un Seguro Hipotecario Privado, un seguro que se paga cuando el pago inicial es menor a 20% en financiamiento convencional.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"2\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"2\">\n                        \u00bfQu\u00e9 significa TAE?                    <\/span>\n                    <svg data-accordion-index=\"2\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Esta es la Tasa de Porcentaje Anual (AAE), que incluye intereses y costos de financiamiento. Refleja el costo real del pr\u00e9stamo.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"3\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"3\">\n                        \u00bfCu\u00e1nto tiempo tarda en aprobarse el financiamiento?                    <\/span>\n                    <svg data-accordion-index=\"3\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        En promedio de 30 a 45 d\u00edas, pero puede ser m\u00e1s r\u00e1pido en procesos digitales.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"4\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"4\">\n                        \u00bfQui\u00e9n paga los costos de cierre?                    <\/span>\n                    <svg data-accordion-index=\"4\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        En la mayor\u00eda de los casos, el comprador. Sin embargo, es posible negociar con el vendedor para cubrir parte del coste (concesiones del vendedor).                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"5\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"5\">\n                        \u00bfPuedo refinanciar m\u00e1s adelante?                    <\/span>\n                    <svg data-accordion-index=\"5\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Dependiendo del contrato, si las tasas de inter\u00e9s bajan, usted podr\u00eda tener la posibilidad de refinanciar para reducir su pago.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"6\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"6\">\n                        \u00bfEs obligatorio el seguro de hogar?                    <\/span>\n                    <svg data-accordion-index=\"6\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        S\u00ed. Los bancos exigen seguros contra incendios y desastres para proteger la propiedad.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"7\" data-action=\"accordion#update\" type=\"button\" style=\"color: white;\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"7\">\n                        \u00bfPuedo usar mi historial de ingresos extranjeros para financiar en EE.UU.?                    <\/span>\n                    <svg data-accordion-index=\"7\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" style=\"font-size: 15px;\" class=\"animate-fade-in-down\">\n                <div class=\"pb-10 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        En algunos casos, s\u00ed. Algunos bancos y cooperativas de cr\u00e9dito ofrecen programas especiales para extranjeros o inmigrantes recientes, pero suelen exigir m\u00e1s documentaci\u00f3n, un pago inicial mayor (20% o superior) y comprobante de estabilidad financiera.                    <\/p>\n                <\/div>\n            <\/div>\n        \t<\/div>\n<\/div><\/div>\n\n\n<h1 class=\"wp-block-heading\"><strong>Conclusi\u00f3n<\/strong><\/h1>\n\n\n\n<p>Financiar una propiedad en EE. UU. puede parecer complejo, pero con informaci\u00f3n y planificaci\u00f3n, puede lograrlo con seguridad. El secreto est\u00e1 en... <strong>conoce tus opciones<\/strong>, <strong>comparar propuestas<\/strong> y <strong>Tenga en cuenta los costos impl\u00edcitos<\/strong>.<\/p>\n\n\n\n<p>Ya sea tu primera casa o una inversi\u00f3n, recuerda: el financiamiento es una herramienta para alcanzar un sue\u00f1o, pero solo vale la pena cuando se utiliza con cautela.<\/p>\n\n\n\n<p>Con esta gu\u00eda en la mano, usted estar\u00e1 mejor preparado para dar el siguiente paso hacia la propiedad de una vivienda en los Estados Unidos.<\/p>","protected":false},"excerpt":{"rendered":"<p>Si est\u00e1 pensando en financiar una casa, un apartamento o incluso una propiedad de inversi\u00f3n, esta gu\u00eda le mostrar\u00e1 en menos de 15 minutos lo que realmente importa: cu\u00e1nto dar de entrada, qu\u00e9 tasas de inter\u00e9s esperar, qu\u00e9 costos adicionales est\u00e1n incluidos y c\u00f3mo elegir el banco o programa m\u00e1s ventajoso. 1. C\u00f3mo [\u2026]<\/p>","protected":false},"author":103,"featured_media":618,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[10,23,1],"tags":[28,30,27,29],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.3 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Como conseguir financiamento imobili\u00e1rio nos EUA: Guia completo - Drizvak<\/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:\/\/drizvak.com\/es\/cow-rec-feed-mortgage-us\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Como conseguir financiamento imobili\u00e1rio nos EUA: Guia completo - Drizvak\" \/>\n<meta property=\"og:description\" content=\"Se voc\u00ea est\u00e1 pensando em financiar uma casa, apartamento ou at\u00e9 mesmo um im\u00f3vel de investimento, este guia vai te mostrar em menos de 15 minutos o que realmente importa: quanto dar de entrada, quais taxas de juros esperar, quais custos extras est\u00e3o embutidos e como escolher o banco ou programa mais vantajoso. 1. 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