Fernando Blasi

Can you actually afford an investment property without lying to your lender? To ask for a mortgage, a lender will want you to have financial stability and a decent monthly income that guarantee you can pay back the debt. The thing is that there is no secret when it comes to your history and records that last forever, especially if you exaggerate to get a bigger loan, smaller down payment or a better mortgage rate. Lying on your mortgage application is not worth it because you could quickly face probation and thousands of dollars in fines and compensation for any losses. Some people believe that those are just white lies, but they can bring you more trouble than you think. Myths are associated with unrelatable income, assets, employment and property uses As we offer a transparent service to our borrowers, at Intercorp Mortgage Solutions , we also encourage our clients to do the same. We think about your future and your sincere desire of finally having a house of your o...

La ventaja es que puedes seguir utilizándolo hasta tu fallecimiento. En términos sencillos, una hipoteca inversa es un tipo de préstamo al que pueden optar adultos mayores a partir de los 62 años. Los propietarios de esta edad tienen la oportunidad de pedir prestado dinero para destinarlo a cualquier fin financiero, cuya cantidad se estimará sobre la base del valor de la casa. ¡Con este artículo, determina si esta opción es la correcta para ti! El Gobierno federal de Estados Unidos otorga el préstamo y usa la vivienda como garantía, pero para ser acreditado, el Departamento de Vivienda y Desarrollo Urbano determinará si cumples con ciertos criterios. Indiferentemente de estos requisitos, no importa si tienes la casa ya paga o todavía adeudas la hipoteca. Con este tipo de hipoteca, puedes convertir una parte de la amortización acumulada sobre la hipoteca de tu vivienda en dinero en efectivo, por ejemplo; pero también pedir el dinero con un propósito único a una agencia fe...

Choose the right option for you available at Intercorp Mortgage Solutions. There are many options in the market when it comes to choosing a mortgage. At this point, you probably have already decided that the next step in your financial life is buying a house. We know how important it is to feel comfortable while paying your home loan in the years to come! As we always tell you, debt is not a negative thing if it is the price for a better lifestyle and an investment for your future. It takes time to search and understand which is the best type of loan for you. Especially with all the legal statutes, taxes rates, and credit history reports. In this article, we want to make sure you have an idea of what mortgage options are out there, and be aware of the ones you do not want at all. Take notes of our considerations and once you make sense of everything regarding this subject, contact us at Intercorp Mortgage Solutions to help you with financial planning strategies and talk...

Know your own numbers first to determine how much money you can put toward your mortgage.  If you are thinking about it, you are just one step closer. Yes, you are deciding to buy a house by your means. Congratulations! And of course, you know that choosing the right mortgage will depend on your monthly income. A home loan is something you can repay back in 10 up to 30 years. The length of the repayment period means that you have to pick one that makes you feel comfortable every month. It is all about figuring out how much you can afford, and if the amount is reasonable enough to make ends meet in all aspects of life. With that said, having a mortgage does not mean you have to lose financial balance. Want to know how to make it? Keys to know how much you can afford We will tackle all the questions surrounding this subject and if there is such thing as a standard percentage of payment, so keep reading! Know the legal limits By law, lenders cannot approve mortgag...

Conoce cuál es el porcentaje promedio que debes pagar de la deuda y trabaja a partir de allí. Antes de solicitar una hipoteca para comprar una casa, la mayoría debe ahorrar para el pago inicial del préstamo. Pero cuando la convicción está de por medio, esto no debe verse como un sacrificio sino como un regalo que te das en pro de tu prosperidad en el futuro. ¡En este artículo te enseñaremos a no perder el norte! El mercado inmobiliario es cada vez más atractivo en Estados Unidos desde que se recuperara la economía y bajaran los índices de interés, lo que quiere decir que gracias a estas favorables condiciones, la decisión de comprar una vivienda es cada vez más atractiva. Es así como dependerá del porcentaje inicial cuál será el tope de tus ahorros, lo que también estará determinado por el comportamiento del mercado en tu estado y ciudad. Una vez que hayas seleccionado tu institución prestamista, puedes comenzar con analizar un estimado del coste de compra-venta de la ...

Today’s mortgage rates are near the lowest we’ve ever seen. The first time you refinance your mortgage was probably the right thing to do at the moment, but if you are thinking of doing it again, you may be doubting if it will turn out well. Yes, we know that feeling of wonder and confusion, because, how often should you refinance? Or, is it okay to refinance twice? If one thing's for sure: you can certainly do it, what is difficult to determine is how convenient it is! But don't worry, you can do it with the help of experts like the ones here at Intercorp Mortgage Solutions . Now, this will depend on how long you plan to stay in the house, closing costs, and if the benefits outweigh the costs. We definitely can help you do the math and make ends meet. Keep reading to see the bigger picture! What's on your plate? Refinancing your mortgage come can help you get better interest rates, convert an adjustable-rate loan to a fixed-rate, for instance. You can also...

What's behind this tax reform?    The new GOP tax reform has everyone making predictions on how it’ll affect the mortgage and housing market in the months to come. After president Trump signed the bill on December 22, many economists believe that home prices will lower and that the new reform will have different levels of impact on every city. But what does it change with it? How can it affect your mortgage and what should you prepare for? We’re discussing all about it in today’s article. The new tax reform has three key changes for mortgage payers. For the longest time, you might have heard that one of the most encouraging parts of homeownership was the potential to apply for mortgage interest deduction from your taxes. The former cap established a limit of up to $1.000.000 that could be deductible if the loan was used to improve your house or buy a second property. However, with the new bill, the cap has lowered to $750.000; the property tax deduction will drop ...