{"id":2833,"date":"2021-01-25T10:54:00","date_gmt":"2021-01-25T13:54:00","guid":{"rendered":"https:\/\/abogadosmaryland.cyberglobalnet.icu\/?p=2833"},"modified":"2021-07-24T12:24:21","modified_gmt":"2021-07-24T15:24:21","slug":"loan-modification-options-in-a-difficult-economy","status":"publish","type":"post","link":"https:\/\/abogados-maryland.com\/es\/loan-modification-options-in-a-difficult-economy\/","title":{"rendered":"Opciones de modificaci\u00f3n de pr\u00e9stamos en una econom\u00eda dif\u00edcil"},"content":{"rendered":"

Un a\u00f1o dif\u00edcil ha dejado a millones de estadounidenses en el limbo con recursos limitados, facturas impagas o p\u00e9rdida de empleos. Algunos se enfrentan al embargo salarial, la ejecuci\u00f3n hipotecaria o el desalojo, y sus opciones para salir de la deuda tambi\u00e9n est\u00e1n comenzando a parecer muy limitadas.<\/p>\n\n\n\n

Algunas personas considerar\u00e1n la quiebra cuando ya no puedan hacer sus pagos hipotecarios mensuales y como una forma de evitar la ejecuci\u00f3n hipotecaria. Si bien esto puede ser una soluci\u00f3n dependiendo de su situaci\u00f3n particular, tambi\u00e9n puede ser posible negociar nuevos t\u00e9rminos de la hipoteca con el prestamista, y de esta manera el acreedor hipotecario puede evitar la ejecuci\u00f3n hipotecaria y poder quedarse con la casa familiar.<\/p>\n\n\n\n

Conceptos b\u00e1sicos sobre la modificaci\u00f3n de pr\u00e9stamos<\/h3>\n\n\n\n

Conocido como modificaci\u00f3n de pr\u00e9stamo hipotecario<\/a>, esta puede ser una soluci\u00f3n \u00f3ptima tanto para el prestamista como para el acreedor hipotecario, si puede calificar. Debido a que la ejecuci\u00f3n hipotecaria es costosa para los bancos, por lo general est\u00e1n abiertos a una discusi\u00f3n de soluciones alternativas. Una modificaci\u00f3n de un pr\u00e9stamo hipotecario es diferente de un refinanciamiento porque los t\u00e9rminos de la hipoteca existente se cambian, no se reemplazan, como suceder\u00eda con un refinanciamiento.<\/p>\n\n\n\n

Algunas posibles modificaciones que el propietario puede discutir con el prestamista incluyen extender el plazo del pr\u00e9stamo, reducir el pago mensual del principal o cambiar de un pr\u00e9stamo con tasa ajustable a un pr\u00e9stamo con tasa fija. La indulgencia de pr\u00e9stamos tambi\u00e9n reducir\u00e1 temporalmente los pagos de la hipoteca, pero deben concederse. Sin embargo, los t\u00e9rminos de la modificaci\u00f3n quedan en manos del prestamista.<\/p>\n\n\n\n

Discutir opciones con su prestamista<\/h3>\n\n\n\n

Hay muchos programas de modificaci\u00f3n de pr\u00e9stamos temporales o permanentes disponibles a trav\u00e9s de prestamistas y administradores. Para las hipotecas respaldadas por Fannie Mae y Freddy Mac, se encuentran disponibles programas de asistencia del gobierno como el programa Flex Modification, as\u00ed como alternativas al Programa de Refinanciamiento de Vivienda Asequible (HARP) vencido. Tambi\u00e9n es posible discutir las opciones con un asesor de vivienda aprobado por HUD.<\/p>\n\n\n\n

Aunque una modificaci\u00f3n de un pr\u00e9stamo hipotecario puede afectar su puntaje crediticio a corto plazo, crear un historial de pagos consecutivos a lo largo del tiempo o volver a los t\u00e9rminos originales de la hipoteca puede ayudarlo a reconstruir su cr\u00e9dito.<\/p>\n\n\n\n

Si tiene dificultades para realizar los pagos mensuales, es importante que se comunique con su prestamista para analizar las opciones. Si vive en Maryland o en el \u00e1rea de Washington, D.C., tambi\u00e9n es importante encontrar un asesor legal experimentado que pueda ayudarlo a negociar con su prestamista para que pueda conservar su casa.<\/p>","protected":false},"excerpt":{"rendered":"

Un a\u00f1o dif\u00edcil ha dejado a millones de estadounidenses en el limbo con recursos limitados, facturas impagas o p\u00e9rdida de empleos. Algunos se enfrentan al embargo salarial, la ejecuci\u00f3n hipotecaria o el desalojo, y sus opciones para salir de la deuda tambi\u00e9n est\u00e1n comenzando a parecer muy limitadas. Algunas personas considerar\u00e1n la quiebra cuando ya no puedan hacer su hipoteca mensual [\u2026]<\/p>","protected":false},"author":1,"featured_media":2842,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[60],"class_list":["post-2833","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-loan"],"yoast_head":"\nLoan modification options in a difficult economy - Abogados Maryland<\/title>\n<meta name=\"description\" content=\"Loan modification options in a difficult economy. 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