[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$f22zpaoa74uv77":3,"$ffegs2evbp6jw":34,"$fbwk3vtva8yds":38},{"item":4,"previous":22,"next":28},{"id":5,"slug":6,"title":7,"description":8,"excerpt":9,"contentType":10,"featuredImage":11,"bannerImage":9,"body":12,"agentsBottomLine":12,"bodyImage":13,"isInfographic":14,"categories":15,"isVideo":14,"videoThumbnail":9,"videoSource":9,"publishedAt":20,"updatedAt":21},357,"this-is-not-your-parents-3-down-payment-plan","Este NO es el plan de cuota inicial del 3 % de sus padres","En su último informe ‘\u003Ca href=\"http:\u002F\u002Fwww.freddiemac.com\u002Ffinance\u002Fpdf\u002Fjuly_2015_public_outlook.pdf\">Housing Market Insight & Outlook\u003C\u002Fa>’ \u003Cem>Freddie Mac\u003C\u002Fem> reveló que las iniciativas recientes de pagos bajos de cuota inicial han suscitado preocupaciones que tal vez estamos regresando a las mismas calificaciones negligentes que causaron la crisis de la vivienda de la que ahora nos estamos recuperando.\r\n\r\nEl informe también explicó que las pautas actuales del evaluador de riesgos no son como las que existieron antes del colapso en la vivienda:\r\n\r\n","","blog","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F07\u002F01162301\u002FDown-Payment.jpg","En su último informe ‘\u003Ca href=\"http:\u002F\u002Fwww.freddiemac.com\u002Ffinance\u002Fpdf\u002Fjuly_2015_public_outlook.pdf\">Housing Market Insight & Outlook\u003C\u002Fa>’ \u003Cem>Freddie Mac\u003C\u002Fem> reveló que las iniciativas recientes de pagos bajos de cuota inicial han suscitado preocupaciones que tal vez estamos regresando a las mismas calificaciones negligentes que causaron la crisis de la vivienda de la que ahora nos estamos recuperando.\r\n\r\nEl informe también explicó que las pautas actuales del evaluador de riesgos no son como las que existieron antes del colapso en la vivienda:\r\n\r\n\u003C!--more-->\r\n\u003Cblockquote>\u003Cem>“Pre-crisis underwriting allowed layered risk, that is, the combination of multiple features that amplified credit risk. Low down payments often were combined with variable-payment loan structures, property-based underwriting, and questionable appraisals. These risk factors, along with the ‘irrational exuberance’ of some borrowers, led to large losses during the crisis.”\u003C\u002Fem>\u003C\u002Fblockquote>\r\n\u003Ch3>\u003Cstrong>What is layered risk?\u003C\u002Fstrong>\u003C\u002Fh3>\r\nIn the pre-crisis environment, many mortgage loans incorporated several additional features besides low down payments that multiplied the total risk of the loans such as: variable payment options, underwriting based on the property not the borrower, questionable appraisal processes. Borrower expectations were also overly optimistic at that time.\r\n\r\n\u003Cem>Freddie Mac\u003C\u002Fem> highlights the difference between then and now by using a table in the report:\r\n\r\n\u003Ca href=\"https:\u002F\u002Fwww.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2015\u002F07\u002F3-Percent-Down.jpg\">\u003Cimg class=\"alignnone wp-image-42930\" src=\"https:\u002F\u002Fwww.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2015\u002F07\u002F3-Percent-Down.jpg\" alt=\"3 Percent Down Then vs. Now | Keeping Current Matters\" width=\"552\" height=\"310\" \u002F>\u003C\u002Fa>\r\n\r\nBy removing the “layered risk”, we can be confident that low down payment programs will not impact the market the way mortgage underwriting impacted the market a decade ago. And the report explains:\r\n\u003Cblockquote>\u003Cem>“Previous research has found that reduced down payments can increase the relative probability of homeownership among some groups by over 25 percent.”\u003C\u002Fem>\u003C\u002Fblockquote>\r\n\u003Ch3>\u003Cstrong>Bottom Line\u003C\u002Fstrong>\u003C\u002Fh3>\r\nWe believe the report’s conclusion says it all:\r\n\u003Cblockquote>\u003Cem>“As long as the underwriting process bars the return of the layered risks prevalent in the pre-crisis era, lower down payments are not a cause for concern.”\u003C\u002Fem>\u003C\u002Fblockquote>","https:\u002F\u002Fwww.keepingcurrentmatters.com\u002Fwp-content\u002Fuploads\u002F2015\u002F07\u002F3-Percent-Down.jpg",false,[16],{"id":17,"name":18,"slug":19},5,"Para los compradores","buyers","2015-08-05T10:00:48Z","2015-07-28T15:53:48Z",{"id":23,"slug":24,"title":25,"featuredImage":26,"publishedAt":27,"contentType":10,"isVideo":14},356,"pending-home-sales-remain-strong-in-june","Las ventas de las casas que aún están pendientes permanecen fuertes en junio","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F07\u002F01162250\u002FStrong-Sales.jpg","2015-08-04T10:00:02Z",{"id":29,"slug":30,"title":31,"featuredImage":32,"publishedAt":33,"contentType":10,"isVideo":14},358,"an-easy-way-to-find-the-perfect-real-estate-agent","Una manera fácil de encontrar el agente de bienes raíces perfecto","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F08\u002F01162246\u002FPerfect.jpg","2015-08-06T10:00:12Z",{"cover":35,"open":36,"shareSpread":37},"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",[39,43,44,48,52,56,60,64,68,72,76,80,84,88,92,96,100,104,108,112,116,120,124,128,132,136,140,144,148,151],{"id":40,"name":41,"slug":42},1,"No clasificado","uncategorized",{"id":17,"name":18,"slug":19},{"id":45,"name":46,"slug":47},6,"Para los vendedores","sellers",{"id":49,"name":50,"slug":51},7,"Ejecuciones hipotecarias","foreclosures",{"id":53,"name":54,"slug":55},8,"Infografías","infographics",{"id":57,"name":58,"slug":59},9,"Precios","home-prices",{"id":61,"name":62,"slug":63},11,"Compradores de vivienda por primera vez","first-time-buyers",{"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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