[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f3tlk0tjko00tx":3,"$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},338,"debunking-some-myths-about-mortgage-availability","Desacreditando algunos mitos sobre la disponibilidad de las hipotecas","\u003Cp>Parece que hay un  abismo creciente entre lo que el público cree que es necesario y lo que realmente se necesita para calificar para un préstamo hipotecario residencial.\u003C\u002Fp>\r\n\u003Cp>","","blog","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F07\u002F01162425\u002FMyths.jpg","\u003Cp>Parece que hay un  abismo creciente entre lo que el público cree que es necesario y lo que realmente se necesita para calificar para un préstamo hipotecario residencial.\u003C\u002Fp>\r\n\u003Cp>\u003C!--more-->\r\n\r\nA recent \u003Ca href=\"http:\u002F\u002Fwww.businesswire.com\u002Fnews\u002Fhome\u002F20150616005142\u002Fen\u002FConsumers%E2%80%99-Misconceptions-Temper-Desire-Homeownership#.VYGryWfbKcw\">survey\u003C\u002Fa> by Ipsos reported that:\r\n\u003Cul>\r\n\t\u003Cli>Two-thirds of those surveyed believe they need a very good credit score to buy a home, with 45 percent thinking a \u003Cem>“good credit score”\u003C\u002Fem> is over 780.\u003C\u002Fli>\r\n\t\u003Cli>Consumers overestimate the down payment funds needed to qualify for a home loan, with 36 percent thinking a 20 percent down payment is always required.\u003C\u002Fli>\r\n\u003C\u002Ful>\r\nHowever, according to \u003Cem>American Enterprise Institute's International Center on Housing Risk’s\u003C\u002Fem> May \u003Ca href=\"http:\u002F\u002Fwww.housingrisk.org\u002Ffirst-time-buyer-mortgage-share-and-mortgage-risk-indexes-for-april-2015\u002F#more-1737\">First-Time Buyer Mortgage Risk Index\u003C\u002Fa> (FBMRI), reality is far from perception. The report reveals:\r\n\u003Cul>\r\n\t\u003Cli>70% of first-time buyer mortgages had a combined loan-to-value ratio of 95% or higher\u003C\u002Fli>\r\n\t\u003Cli>About 20% of first-time buyers taking out mortgages had a FICO score below 660\u003C\u002Fli>\r\n\t\u003Cli>25% had total debt-to-income ratios above 43 percent\u003C\u002Fli>\r\n\t\u003Cli>The median first-time buyer with an agency mortgage made a down payment of only 3 percent, or $7200 in dollar terms.\u003C\u002Fli>\r\n\t\u003Cli>The median FICO score for first-time buyers with agency mortgages was 705\u003C\u002Fli>\r\n\t\u003Cli>For first-time buyers with FHA-insured loans, the median FICO score was only 672\u003C\u002Fli>\r\n\u003C\u002Ful>\r\nThese numbers contradict the frequent claims that first-time buyers face difficulties in obtaining mortgages.\r\n\u003Ch3>\u003Cstrong>Bottom Line\u003C\u002Fstrong>\u003C\u002Fh3>\r\nStephen Oliner, co-director of \u003Cem>AEI’s International Center on Housing Risk\u003C\u002Fem> explained the reality of the situation.\r\n\u003Cblockquote>\u003Cem>“One hears all the time that first-time buyers have limited access to mortgage debt.  But this isn’t true. Many first-time buyers with low FICO scores and little money down are buying homes every month.”                                \u003C\u002Fem>\u003C\u002Fblockquote>",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","2015-07-09T10:00:48Z","2015-07-09T10:45:43Z",{"id":26,"slug":27,"title":28,"featuredImage":29,"publishedAt":30,"contentType":10,"isVideo":13},337,"1st-time-buyers-finally-crashing-the-real-estate-party","Los compradores por primera vez finalmente se están colando a la fiesta de bienes raíces","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F07\u002F01162427\u002FCannonball.jpg","2015-07-08T10:00:38Z",{"id":32,"slug":33,"title":34,"featuredImage":35,"publishedAt":36,"contentType":10,"isVideo":13},339,"boomerang-buyers-coming-back-in-force-infographic","Compradores bumerán regresando con vigor [INFOGRAFíA]","https:\u002F\u002F\u002F","2015-07-10T10:00:40Z",{"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",[42,46,47,51,55,59,63,64,68,72,76,80,84,88,92,96,100,104,108,112,116,120,124,128,132,136,140,144,148,150],{"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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