{"id":2126,"date":"2024-08-02T17:07:42","date_gmt":"2024-08-02T17:07:42","guid":{"rendered":"https:\/\/www.myoakleaf.com\/?p=2126"},"modified":"2024-08-02T17:07:42","modified_gmt":"2024-08-02T17:07:42","slug":"la-vuelta-al-cole-con-oak-leaf-community-mortgage-su-guia-hipotecaria-101","status":"publish","type":"post","link":"https:\/\/www.myoakleaf.com\/es\/2024\/08\/02\/back-to-school-with-oak-leaf-community-mortgage-your-mortgage-101-guide\/","title":{"rendered":"Vuelta al cole con Oak Leaf Community Mortgage: Su Gu\u00eda Hipotecaria 101"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">A medida que se acerca el final del verano y la vuelta al cole, no s\u00f3lo los ni\u00f1os deben ponerse a estudiar. Si est\u00e1 pensando en comprar una casa, es hora de repasar sus conocimientos sobre hipotecas. Oak Leaf Community Mortgage, impulsado por <\/span><a href=\"https:\/\/www.northshoretrust.com\/\"><span style=\"font-weight: 400;\">North Shore Trust and Savings<\/span><\/a><span style=\"font-weight: 400;\">est\u00e1 aqu\u00ed para guiarle a trav\u00e9s de los aspectos esenciales de la obtenci\u00f3n de un <\/span><a href=\"https:\/\/www.myoakleaf.com\/es\/hipoteca-tradicional\/\"><span style=\"font-weight: 400;\">hipoteca<\/span><\/a><span style=\"font-weight: 400;\">. Tanto si es la primera vez que compra una vivienda como si desea refinanciarla, entender lo que hay que hacer y lo que no hay que hacer con las hipotecas puede hacer que el proceso sea m\u00e1s fluido y menos estresante.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:25px;--awb-padding-right:25px;--awb-padding-bottom:25px;--awb-padding-left:25px;--awb-bg-color:var(--awb-custom_color_1);--awb-bg-color-hover:var(--awb-custom_color_1);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-margin-bottom:45px;--awb-max-width:400px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"929\" height=\"594\" alt=\"Hipoteca Dos Pizarra\" title=\"Hipoteca Dos Pizarra\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard.png\" class=\"img-responsive wp-image-2141\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-200x128.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-400x256.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-600x384.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-800x512.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard.png 929w\" sizes=\"(max-width: 840px) 100vw, 800px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-2\"><p><b>Tenga a mano sus documentos financieros<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-3\"><p><span style=\"font-weight: 400;\">Aseg\u00farese de tener acceso a todos los recibos de sueldo, extractos bancarios y otros documentos financieros importantes. Son esenciales para su solicitud de hipoteca y el proceso de aprobaci\u00f3n.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-4\"><p><b>Utilizar fondos personales para dep\u00f3sitos de garant\u00eda<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-5\"><p><span style=\"font-weight: 400;\">Deposite la fianza con cargo a su cuenta bancaria personal o con fondos de regalo aceptables. Esto puede evitar complicaciones m\u00e1s adelante.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-6\"><p><b>Documentar la venta de su vivienda actual<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-7\"><p><span style=\"font-weight: 400;\">Si vende su vivienda actual, facilite toda la documentaci\u00f3n pertinente, incluidos el contrato de compraventa y la declaraci\u00f3n de cierre. Esto ayuda a agilizar la transici\u00f3n a su nuevo hogar.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-8\"><p><b>Notifique a su asesor de pr\u00e9stamos la donaci\u00f3n de fondos<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-9\"><p><span style=\"font-weight: 400;\">Si va a recibir fondos de regalo para el cierre, informe a su Asesor de Pr\u00e9stamos. Estos fondos s\u00f3lo son aceptables si se cumplen unos criterios espec\u00edficos.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-10\"><p><b>Informar sobre cambios en el empleo<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-11\"><p><span style=\"font-weight: 400;\">Cualquier cambio en su empleo, como un aumento de sueldo, un ascenso o un cambio en la situaci\u00f3n salarial, debe comunicarse a su asesor de pr\u00e9stamos. Es posible que se obtenga un nuevo informe crediticio antes del cierre.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-padding-top:25px;--awb-padding-right:25px;--awb-padding-bottom:25px;--awb-padding-left:25px;--awb-bg-color:var(--awb-custom_color_1);--awb-bg-color-hover:var(--awb-custom_color_1);--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-margin-bottom:45px;--awb-max-width:400px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img decoding=\"async\" width=\"929\" height=\"594\" alt=\"Pizarra de prohibiciones hipotecarias\" title=\"Pizarra de prohibiciones hipotecarias\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard.png\" class=\"img-responsive wp-image-2142\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-200x128.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-400x256.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-600x384.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-800x512.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard.png 929w\" sizes=\"(max-width: 840px) 100vw, 800px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-12\"><p><b>Evite movimientos financieros innecesarios<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-13\"><p><span style=\"font-weight: 400;\">No cierre ni abra cuentas de activos ni transfiera fondos sin consultar a su asesor de pr\u00e9stamos. La documentaci\u00f3n adecuada es crucial para su pr\u00e9stamo.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-14\"><p><b>No haga grandes dep\u00f3sitos sin notificarlo<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-15\"><p><span style=\"font-weight: 400;\">Evite depositar grandes sumas de dinero fuera de sus dep\u00f3sitos regulares de n\u00f3mina sin notificarlo a su Consultor de Pr\u00e9stamos. Los dep\u00f3sitos importantes requieren una documentaci\u00f3n sustancial.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-16\"><p><b>Evite los cambios de trabajo<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-17\"><p><span style=\"font-weight: 400;\">Cambiar de trabajo o de empleador puede afectar al proceso de su pr\u00e9stamo. Consulte siempre a su asesor de pr\u00e9stamos antes de realizar tales cambios.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-18\"><p><b>Abstenerse de hacer grandes compras<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-19\"><p><span style=\"font-weight: 400;\">No haga compras importantes, como un coche o muebles, antes o durante el proceso del pr\u00e9stamo. Estas compras pueden afectar al importe del pr\u00e9stamo.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-20\"><p><b>No aumentar el pasivo<\/b><\/p>\n<\/div><div class=\"fusion-text fusion-text-21\"><p><span style=\"font-weight: 400;\">Evite abrir o aumentar l\u00edneas de cr\u00e9dito u otros pasivos durante el proceso de pr\u00e9stamo, ya que esto puede afectar a su calificaci\u00f3n para el pr\u00e9stamo.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1456px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-22\"><p><span style=\"font-weight: 400;\">Navegar por el proceso hipotecario no tiene por qu\u00e9 ser desalentador. Con los conocimientos adecuados y un socio de confianza como Oak Leaf Community Mortgage, puede dar con confianza los pasos hacia la propiedad de una vivienda. \u00a1Feliz aprendizaje y feliz b\u00fasqueda de casa!<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:35px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:35px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;border-color:var(--awb-color5);border-top-width:6px;\"><\/div><\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":2140,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2126","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":false,"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Back to School with Oak Leaf Community Mortgage: Your Mortgage 101 Guide | Oak Leaf Community Mortgage<\/title>\n<meta name=\"description\" content=\"Oak Leaf Community Mortgage, powered by North Shore Trust and Savings, is here to guide you through the essentials of securing a mortgage. 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