Fernando Blasi

La inversión extranjera en bienes raíces ha aumentado en los últimos años. El sueño americano no es inalcanzable, y mucho menos un mito gracias al estado favorecedor en el que se encuentra el mercado inmobiliario en los Estados Unidos . Mucho de esto se debe a bajos índices de interés y la flexibilidad que ofrecen los prestamistas para saldar una deuda hipotecaria por medio de un proceso que se ajusta a cada bolsillo. Así que, si eres extranjero y quieres rehacer tu vida en un país desarrollado, ¡empieza de cero con esta guía de requisitos para comprar una casa en nuestro territorio! Lo que tienes que saber de antemano es que el estado de la Florida es uno de los destinos más atractivos para hacer este tipo de inversiones porque ofrece una excelente calidad de vida, y es ideal para el emprendimiento en los negocios. De manera que si quieres ser el dueño de una propiedad o vivienda en este país, también considera cuál es el mejor lugar para hacerlo. Como mercado establ...

This gives you an incentive to make your mortgage payments. Impress your lender and your real estate agent with legit mortgage knowledge! Because when you are making one of the most significant purchases in your life, the more you know about the process, the better. In Intercorp Mortgage Solutions we are always looking forward to tackling all those questions that go through your mind regarding this matter, so keep reading! Down payment basics Saving for a down payment must be in your checklist, as it is an obligation to settle a good deal. This money goes to the homeowner seller, and the rest will be paid by the mortgage you use. You can also see it as a guarantee. At this point, you should learn that this amount is calculated in percentages. If your down payment was below 20% , you could acquire a Private Mortgage Insurance (PMI) if you want to. But if it is above 20%, you will pay a Property Insurance. If the amount is high enough, your monthly mortgage payment w...

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...

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 ...

They're starting families and buying houses, but how do they behave? It’s happening. Millennials are finally old enough to start families (even though many of them don’t want to), buy houses and make their full way into the U.S. housing economy. This 2018, one of the biggest trends to be expected are the changes and impact that the millennial population will have on real estate. Most of them are still paying for college loans, and they don’t have many resources to purchase expensive properties, but we still have to understand what their aim is and what they want their future to look like so we can successfully target their needs. What are millennials looking for? This is a generation that values the potential of extensive research like no other before. Thanks to the Internet, everything a millennial wants to know is just a click away. They can spend hours, days and months doing as much research as they can before actually making a decision. This not only means they’r...

Las hipotecas son una de las industrias más grandes de Estados Unidos.  Como hemos dicho en otras oportunidades, el mercado hipotecario y de bienes raíces en Estados Unidos es extenso y complejo. Muchos pasamos años estudiándolo y trabajando en él para dominarlo por completo. En esos casos, casi siempre nos hacemos expertos únicamente en el área geográfica que habitamos, debido a que podemos conocer personalmente las características de ese mercado hipotecario. Sin embargo, no importa donde estés, hay ciertas generalizaciones que podemos reconocer y que pueden ayudarnos a ahorrar dinero y encontrar justo lo que estábamos buscando al momento de invertir en una propiedad. ¡Estas son 10 cosas que probablemente no sabías sobre las hipotecas americanas! 1. Las hipotecas existen desde hace poco tiempo Contrario a lo que podrías pensar, los préstamos hipotecarios no siempre fueron el método utilizado por defecto para adquirir una casa. De hecho, fue a partir de los años 30 que...