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¿Te preguntas cómo puedes comprar una casa si no tienes historial crediticio? ¡No te preocupes! Aunque tener un buen crédito facilita el proceso, no es imposible comprar una casa sin él. Aquí te presentamos una guía paso a paso para ayudarte a lograr tu sueño de ser propietario, incluso si no tienes crédito:

Ahorra para el Pago Inicial: Empieza a ahorrar para el pago inicial. Aunque algunos programas requieren un pago inicial más bajo que otros, tener un buen saldo inicial puede ayudarte a obtener un préstamo hipotecario.

Investiga Programas Especiales: Busca programas especiales diseña

Understanding what influences mortgage rates is vital for anyone considering a home loan. Today, several key factors shape these rates:

Economic Indicators: Inflation, unemployment, and GDP growth affect demand for loans, impacting rates.

Central Bank Policies: Policies set by central banks, like the Federal Reserve, directly influence rates.

Bond Market: Mortgage rates often follow the 10-year Treasury note yield, reflecting borrowing costs.

Creditworthiness: Factors like credit score and debt ratios determine individual rates.

Market Competition: Lenders compete for business,

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