[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f1zr5jij2vnckn":3,"$ffegs2evbp6jw":37,"$fbwk3vtva8yds":41},{"item":4,"previous":25,"next":31},{"id":5,"slug":6,"title":7,"description":8,"excerpt":9,"contentType":10,"featuredImage":11,"bannerImage":9,"body":12,"agentsBottomLine":12,"bodyImage":9,"isInfographic":13,"categories":14,"isVideo":13,"videoThumbnail":9,"videoSource":9,"publishedAt":23,"updatedAt":24},316,"2-out-of-3-renters-want-to-own-whats-stopping-them","2 de 3 inquilinos quieren ser propietarios. ¿Qué los está deteniendo?","\u003Cp>\u003Cem>El banco de la reserva federal de New York\u003C\u002Fem> recientemente publicó la \u003Cem>encuesta de la vivienda SCE de 2015\u003C\u002Fem> (\u003Ca href=\"http:\u002F\u002Fwww.newyorkfed.org\u002Fmicroeconomics\u002Fsce\u002Fdownloads\u002Fdata\u002F2015-SCE-Housing-Survey.pdf\">2015 SCE Housing Survey\u003C\u002Fa>). La encuesta reveló que los inquilinos más actuales prefieren ser propietarios y que el 61.9 % de ellos planean comprar una casa dentro de los próximos cinco años.\u003C\u002Fp>\r\n\u003Cp>","","blog","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002F01162510\u002FWant-to-Buy.jpg","\u003Cp>\u003Cem>El banco de la reserva federal de New York\u003C\u002Fem> recientemente publicó la \u003Cem>encuesta de la vivienda SCE de 2015\u003C\u002Fem> (\u003Ca href=\"http:\u002F\u002Fwww.newyorkfed.org\u002Fmicroeconomics\u002Fsce\u002Fdownloads\u002Fdata\u002F2015-SCE-Housing-Survey.pdf\">2015 SCE Housing Survey\u003C\u002Fa>). La encuesta reveló que los inquilinos más actuales prefieren ser propietarios y que el 61.9 % de ellos planean comprar una casa dentro de los próximos cinco años.\u003C\u002Fp>\r\n\u003Cp>\u003C!--more-->\r\n\r\n68.3% stated they would prefer owning (with 45.6% saying they ‘strongly’ prefer owning). When asked at what point in the future do they think they will own a primary residence:\r\n\u003Cul>\r\n\t\u003Cli>8.2% said within a year\u003C\u002Fli>\r\n\t\u003Cli>15.3% said in 1 to 2 years\u003C\u002Fli>\r\n\t\u003Cli>38.4% said between 3 to 5 years\u003C\u002Fli>\r\n\u003C\u002Ful>\r\n\u003Ch3>\u003Cstrong>What’s Holding Them Back?\u003C\u002Fstrong>\u003C\u002Fh3>\r\nOf the 68.3% who would prefer to own, 2 out of 3 cited difficulty in getting a mortgage for the reason they do not own. However, many believe that the reason so many think that it would be difficult to get a mortgage is not fully based on current market realities.\r\n\r\nFor example, studies have shown that there is confusion over the amount of money needed for a down payment. Research has shown that 40 to 50% of Americans believe that between 15-20% is the minimum required for a down payment. In reality, there are many programs available at 5% and \u003Ca href=\"\u002F2015\u002F03\u002F23\u002Ffreddie-macs-new-3-down-program\u002F\">even 3%\u003C\u002Fa>. There are even some programs that don’t require any down payment (ex. VA loans).\r\n\r\nOthers fear they need a perfect credit score or believe that the overall mortgaging process has become almost impossible. Actually, the \u003Ca href=\"http:\u002F\u002Fwww.mba.org\u002FResearchandForecasts\u002FMCAI.htm\">Mortgage Credit Availability Index\u003C\u002Fa>, a report from the \u003Cem>Mortgage Bankers Association\u003C\u002Fem>, has shown that, over the last seven months, access to mortgages has gotten much more available.\r\n\r\nAnd the \u003Cem>NY Fed\u003C\u002Fem> study suggests that some renters are waiting for interest mortgage rates to fall even further. Fifty percent of the renters surveyed believe mortgage interest rates \u003Cstrong>\u003Cem>will fall over the next\u003C\u002Fem>\u003C\u002Fstrong>\u003Cem> \u003Cstrong>year\u003C\u002Fstrong>\u003C\u002Fem> and almost 10% believe that they \u003Cstrong>\u003Cem>will fall by more than 1%\u003C\u002Fem>\u003C\u002Fstrong>. However, the reality of the situation is that \u003Cem>Freddie Mac,\u003C\u002Fem> the \u003Cem>Mortgage Bankers Association\u003C\u002Fem> and the \u003Cem>National Association of Realtors\u003C\u002Fem> are all projecting that rates will be significantly higher at this time next year. They are all predicting mortgage rates \u003Cstrong>\u003Cem>will be almost 1% higher!\u003C\u002Fem>\u003C\u002Fstrong>\r\n\u003Ch3>\u003Cstrong>Bottom Line\u003C\u002Fstrong>\u003C\u002Fh3>\r\nMany renters want to own their own home. Some are not moving forward based on misunderstandings regarding the mortgage process. If you are currently a renter who desires the benefits of homeownership, let's sit down and determine what your options actually are.",false,[15,19],{"id":16,"name":17,"slug":18},5,"Para los compradores","buyers",{"id":20,"name":21,"slug":22},11,"Compradores de vivienda por primera vez","first-time-buyers","2015-06-09T10:00:49Z","2015-06-10T17:45:11Z",{"id":26,"slug":27,"title":28,"featuredImage":29,"publishedAt":30,"contentType":10,"isVideo":13},315,"where-will-mortgage-rates-be-in-12-months","¿Dónde estarán las tasas hipotecarias en 12 meses? ","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002F01162511\u002Fmortgagerates750.jpg","2015-06-08T10:00:13Z",{"id":32,"slug":33,"title":34,"featuredImage":35,"publishedAt":36,"contentType":10,"isVideo":13},317,"217726-reasons-to-buy-a-home-now","¡217,726 razones para comprar una casa ahora!","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002F01162510\u002FLostWealth.jpg","2015-06-10T10:00:11Z",{"cover":38,"open":39,"shareSpread":40},"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Cover-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Spread-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Magazine-SP-original.png",[42,46,47,51,55,59,63,64,68,72,76,80,84,88,92,96,100,104,108,112,116,120,124,128,132,136,140,144,148,151],{"id":43,"name":44,"slug":45},1,"No clasificado","uncategorized",{"id":16,"name":17,"slug":18},{"id":48,"name":49,"slug":50},6,"Para los vendedores","sellers",{"id":52,"name":53,"slug":54},7,"Ejecuciones hipotecarias","foreclosures",{"id":56,"name":57,"slug":58},8,"Infografías","infographics",{"id":60,"name":61,"slug":62},9,"Precios","home-prices",{"id":20,"name":21,"slug":22},{"id":65,"name":66,"slug":67},34,"Mercado de la tercera edad","senior-market",{"id":69,"name":70,"slug":71},35,"Tasas de interés","mortgage-rates",{"id":73,"name":74,"slug":75},38,"Compradores de casa mas grande","move-up",{"id":77,"name":78,"slug":79},41,"“FSBO“","for-sale-by-owner",{"id":81,"name":82,"slug":83},42,"Featured","featured",{"id":85,"name":86,"slug":87},45,"Nueva construcción","new-construction",{"id":89,"name":90,"slug":91},52,"Mercado de lujo","luxury--vacation",{"id":93,"name":94,"slug":95},53,"Alquilar Vs. 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