[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f17hnjwf3mpvys":3,"$ffegs2evbp6jw":39,"$fbwk3vtva8yds":43},{"item":4,"previous":27,"next":33},{"id":5,"slug":6,"title":7,"description":8,"excerpt":9,"contentType":10,"featuredImage":11,"bannerImage":9,"body":12,"agentsBottomLine":13,"bodyImage":14,"isInfographic":15,"categories":16,"isVideo":15,"videoThumbnail":9,"videoSource":9,"publishedAt":25,"updatedAt":26},333,"one-more-timeyou-do-not-need-20-down","Una vez más… usted NO necesita 20 % de cuota inicial","Una encuesta reciente por \u003Cem>Ipsos\u003C\u002Fem> encontró que el público estadounidense está todavía un poco confundido en cuanto a que realmente es necesario para calificar por un préstamo hipotecario en el mercado de la vivienda actual. El estudio señaló dos grandes errores que queremos abordar hoy.\r\n\r\n","","blog","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F07\u002F01162428\u002FOne-More-Time.png","Una encuesta reciente por \u003Cem>Ipsos\u003C\u002Fem> encontró que el público estadounidense está todavía un poco confundido en cuanto a que realmente es necesario para calificar por un préstamo hipotecario en el mercado de la vivienda actual. El estudio señaló dos grandes errores que queremos abordar hoy.\r\n\r\n\u003C!--more-->\r\n\u003Ch3>\u003Cstrong style=\"line-height: 1.5;\">1. Down Payment\u003C\u002Fstrong>\u003C\u002Fh3>\r\nThe survey revealed that consumers overestimate the down payment funds needed to qualify for a home loan. According to the report, 36% think a 20% down payment is always required. In actuality, there are many loans written with a \u003Cstrong>down payment of 3% or less\u003C\u002Fstrong> and the number has increased through the first quarter of the year as shown by the graph below:\r\n\r\n\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002FLow-Down-Payment.jpg\">\u003Cimg class=\"alignnone wp-image-31137\" src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002FLow-Down-Payment.jpg\" alt=\"Percent of Low Down Payments | Simplifying The Market\" width=\"650\" height=\"488\" \u002F>\u003C\u002Fa>\r\n\u003Ch3>\u003Cstrong style=\"line-height: 1.5;\">2. FICO Scores\u003C\u002Fstrong>\u003C\u002Fh3>\r\nThe survey also reported that two-thirds of the respondents believe they need a very good credit score to buy a home, with 45 percent thinking a “good credit score” is over 780. In actuality, the average FICO scores of approved conventional and FHA mortgages are much lower:\r\n\r\n\u003Ca href=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002FFICO-Scores.jpg\">\u003Cimg class=\"alignnone wp-image-31138\" src=\"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002FFICO-Scores.jpg\" alt=\"Average FICO Scores | Simplifying The Market\" width=\"650\" height=\"488\" \u002F>\u003C\u002Fa>\r\n\u003Ch3>\u003Cstrong>Bottom Line\u003C\u002Fstrong>\u003C\u002Fh3>\r\nIf you are a prospective purchaser who is ‘ready’ and ‘willing’ to buy but not sure if you are also ‘able’, let's get together and discuss your options.","Una encuesta reciente por \u003Cem>Ipsos\u003C\u002Fem> encontró que el público estadounidense está todavía un poco confundido en cuanto a que realmente es necesario para calificar por un préstamo hipotecario en el mercado de la vivienda actual. El estudio señaló dos grandes errores que queremos abordar hoy.\r\n\r\n\u003C!--more-->\r\n\u003Ch3>\u003Cstrong style=\"line-height: 1.5;\">1. Down Payment\u003C\u002Fstrong>\u003C\u002Fh3>\r\nThe survey revealed that consumers overestimate the down payment funds needed to qualify for a home loan. According to the report, 36% think a 20% down payment is always required. In actuality, there are many loans written with a \u003Cstrong>down payment of 3% or less\u003C\u002Fstrong> and the number has increased through the first quarter of the year as shown by the graph below:\r\n\r\n\u003Ca href=\"http:\u002F\u002Fwww.simplifyingthemarket.com\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002FLow-Down-Payment.jpg\">\u003Cimg class=\"alignnone wp-image-31137\" src=\"http:\u002F\u002Fwww.simplifyingthemarket.com\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002FLow-Down-Payment.jpg\" alt=\"Percent of Low Down Payments | Simplifying The Market\" width=\"650\" height=\"488\" \u002F>\u003C\u002Fa>\r\n\u003Ch3>\u003Cstrong style=\"line-height: 1.5;\">2. FICO Scores\u003C\u002Fstrong>\u003C\u002Fh3>\r\nThe survey also reported that two-thirds of the respondents believe they need a very good credit score to buy a home, with 45 percent thinking a “good credit score” is over 780. In actuality, the average FICO scores of approved conventional and FHA mortgages are much lower:\r\n\r\n\u003Ca href=\"http:\u002F\u002Fwww.simplifyingthemarket.com\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002FFICO-Scores.jpg\">\u003Cimg class=\"alignnone wp-image-31138\" src=\"http:\u002F\u002Fwww.simplifyingthemarket.com\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002FFICO-Scores.jpg\" alt=\"Average FICO Scores | Simplifying The Market\" width=\"650\" height=\"488\" \u002F>\u003C\u002Fa>\r\n\u003Ch3>\u003Cstrong>Bottom Line\u003C\u002Fstrong>\u003C\u002Fh3>\r\nIf you are a prospective purchaser who is ‘ready’ and ‘willing’ to buy but not sure if you are also ‘able’, let's get together and discuss your options.","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002FLow-Down-Payment.jpg",false,[17,21],{"id":18,"name":19,"slug":20},5,"Para los compradores","buyers",{"id":22,"name":23,"slug":24},11,"Compradores de vivienda por primera vez","first-time-buyers","2015-07-02T10:00:15Z","2015-07-02T14:21:21Z",{"id":28,"slug":29,"title":30,"featuredImage":31,"publishedAt":32,"contentType":10,"isVideo":15},332,"the-impact-of-rising-prices-on-home-appraisals","El impacto de la subida de los precios en las evaluaciones de las casas","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002F01162445\u002FAppraisals-STM.jpg","2015-07-01T10:00:32Z",{"id":34,"slug":35,"title":36,"featuredImage":37,"publishedAt":38,"contentType":10,"isVideo":15},334,"homeownership-still-the-american-dream-infographic-2","Ser propietario de casa sigue siendo el sueño Americano [INFOGRAFíA]  ","https:\u002F\u002F\u002F","2015-07-03T10:00:01Z",{"cover":40,"open":41,"shareSpread":42},"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",[44,48,49,53,57,61,65,66,70,74,78,82,86,90,94,98,102,106,110,114,118,122,126,130,134,138,142,146,150,153],{"id":45,"name":46,"slug":47},1,"No clasificado","uncategorized",{"id":18,"name":19,"slug":20},{"id":50,"name":51,"slug":52},6,"Para los vendedores","sellers",{"id":54,"name":55,"slug":56},7,"Ejecuciones hipotecarias","foreclosures",{"id":58,"name":59,"slug":60},8,"Infografías","infographics",{"id":62,"name":63,"slug":64},9,"Precios","home-prices",{"id":22,"name":23,"slug":24},{"id":67,"name":68,"slug":69},34,"Mercado de la tercera edad","senior-market",{"id":71,"name":72,"slug":73},35,"Tasas de interés","mortgage-rates",{"id":75,"name":76,"slug":77},38,"Compradores de casa mas grande","move-up",{"id":79,"name":80,"slug":81},41,"“FSBO“","for-sale-by-owner",{"id":83,"name":84,"slug":85},42,"Featured","featured",{"id":87,"name":88,"slug":89},45,"Nueva construcción","new-construction",{"id":91,"name":92,"slug":93},52,"Mercado de lujo","luxury--vacation",{"id":95,"name":96,"slug":97},53,"Alquilar Vs. Comprar","rent-vs-buy",{"id":99,"name":100,"slug":101},80,"Time-sensitive","time-sensitive",{"id":103,"name":104,"slug":105},81,"Outdated","outdated",{"id":107,"name":108,"slug":109},147,"Internal","internal",{"id":111,"name":112,"slug":113},148,"Do Not Autopost","do-not-autopost",{"id":115,"name":116,"slug":117},320,"Inventario","inventory",{"id":119,"name":120,"slug":121},321,"Valor del agente","agent-value",{"id":123,"name":124,"slug":125},322,"Asequibilidad","affordability",{"id":127,"name":128,"slug":129},323,"Consejos de compra","buying-tips",{"id":131,"name":132,"slug":133},324,"Reducir el tamaño","downsize",{"id":135,"name":136,"slug":137},325,"Economía","economy",{"id":139,"name":140,"slug":141},326,"Equidad","equity",{"id":143,"name":144,"slug":145},327,"Previsiones","forecasts",{"id":147,"name":148,"slug":149},328,"Consejos de venta","selling-tips",{"id":151,"name":9,"slug":152},339,"expiredwithdrawncanceled",{"id":154,"name":9,"slug":155},340,"price-it-rightoverpricing"]