\u00bfQu\u00e9 pas\u00f3 con las tasas?<\/strong><\/h2>\n\n\n\nLa Reserva Federal<\/strong> mantuvo su tasa de inter\u00e9s de referencia sin cambios esta semana; sin embargo, las tasas hipotecarias aun as\u00ed subieron.<\/strong> Las tasas hipotecarias son impulsadas principalmente por el mercado de bonos.<\/p><\/p>\n\n\n\n
\n\n\n\nNo te concentres solo en la tasa de inter\u00e9s<\/strong><\/h2>\n\n\n\nLos compradores en Florida contin\u00faan benefici\u00e1ndose de un mejor inventario<\/strong>, mayores oportunidades de negociaci\u00f3n<\/strong> e incentivos de los constructores<\/strong> a pesar de las tasas m\u00e1s altas.<\/p><\/p>\n\n\n\n
\n\n\n\nEl mercado todav\u00eda <\/em>sigue en marcha<\/p><\/h2>\n\n\n\nEl mercado actual requiere evaluar la transacci\u00f3n completa,<\/strong> incluyendo las concesiones del vendedor, los costos de cierre, las reducciones de tasa (buydowns) y la asequibilidad a largo plazo.<\/strong><\/p><\/p>\n\n\n\n
\n\n\n\nBuenas noticias para compradores independientes (self-employed)<\/strong><\/h2>\n\n\n\nLos prestatarios independientes no deben asumir que no pueden calificar. Los programas de documentaci\u00f3n tradicional y alternativa pueden ofrecer soluciones de financiamiento.<\/strong><\/p><\/p>\n\n\n\n
\n\n\n\nReflexi\u00f3n final<\/strong><\/h2>\n\n\n\nLa mejor estrategia es la preparaci\u00f3n, no la predicci\u00f3n.<\/strong> Obten una preaprobaci\u00f3n y eval\u00faa las oportunidades en funci\u00f3n de tus objetivos financieros.<\/strong><\/p><\/p>\n\n\n\n
\n\n\n\nPreguntas Frecuentes<\/strong><\/h2>\n\n\n\n\u00bfPor qu\u00e9 subieron las tasas hipotecarias si la Reserva Federal mantuvo las tasas estables?<\/strong><\/summary>\nLa Reserva Federal controla las tasas a corto plazo, pero las hipotecas a 30 a\u00f1os siguen el rendimiento de los bonos del Tesoro a 10 a\u00f1os y las expectativas de inflaci\u00f3n. Si los rendimientos de los bonos suben debido a una inflaci\u00f3n persistente o a datos econ\u00f3micos s\u00f3lidos, las tasas hipotecarias aumentan incluso si la Fed las mantiene estables.<\/p><\/p>\n<\/details>\n\n\n\n\u00bfDeber\u00eda detener mis negociaciones? <\/strong><\/summary>\nAunque las tasas hipotecarias aumentaron \u2014a pesar de que la Reserva Federal mantuvo las tasas estables\u2014, los compradores a\u00fan tienen oportunidades gracias a un mejor inventario y un mayor poder de negociaci\u00f3n.<\/p><\/p>\n<\/details>\n\n\n\n\u00bfDeber\u00eda seguir esperando?<\/strong><\/summary>\nEsperar podr\u00eda reducir las tasas, pero tambi\u00e9n puede aumentar la competencia.<\/p>\n<\/details>\n\n\n\n\u00bfPuedo refinanciar m\u00e1s adelante?<\/strong><\/summary>\nSi las tasas mejoran y calificas, refinanciar puede ser una opci\u00f3n.<\/p>\n<\/details>\n\n\n\n\u00bfPueden calificar los prestatarios independientes?<\/strong><\/summary>\nS\u00ed, a trav\u00e9s de programas de documentaci\u00f3n tradicional y alternativa.<\/p>\n<\/details>\n\n\n\n
\n\n\n\nRafael ‘Rafi’ Castro<\/h2>\n\n\n\n
Ll\u00e1meme o env\u00edeme un mensaje de texto hoy mismo.<\/strong> Construyamos una estrategia que se adapte a sus objetivos, no solo a los titulares de hoy.<\/p>\n\n\n\nRafael ‘Rafi’ Castro
Mortgage Loan Originator | Marymont Financial Services
NMLS #2380091
Tel\u00e9fono: 813.469.7568<\/strong>
Tel\u00e9fono: 813.590.0031<\/strong>
Email: rcastro@marymontfs.com<\/strong>
Serving homebuyers throughout Florida<\/p>\n\n\n\n<\/p>\n\n\n\n
<\/p>","protected":false},"excerpt":{"rendered":"
Aunque la Reserva Federal mantuvo las tasas estables, aumentaron levemente debido a los cambios en los rendimientos del mercado de bonos. A pesar de estas tasas m\u00e1s altas, los compradores en Florida est\u00e1n aprovechando el incremento en el inventario de viviendas, los incentivos de los constructores y las concesiones de los vendedores para reducir sus costos generales. Los prestatarios independientes tambi\u00e9n cuentan con opciones viables a trav\u00e9s de programas de pr\u00e9stamos flexibles, lo que demuestra que la estrategia es m\u00e1s importante que intentar predecir las tasas.<\/p>","protected":false},"author":3,"featured_media":602,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[17,18,19,16,15,27,20],"class_list":["post-599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-marymont-financial-services","tag-rafi-castro-mortgage","tag-tampa-homebuyers","tag-tampa-housing-trends","tag-tampa-mortgage-rates","tag-tampa-real-estate-market-july-2026","tag-tampa-refinance-options"],"yoast_head":"\n
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