{"id":2286,"date":"2024-09-23T19:26:14","date_gmt":"2024-09-23T19:26:14","guid":{"rendered":"https:\/\/www.myoakleaf.com\/?p=2286"},"modified":"2024-09-24T17:50:58","modified_gmt":"2024-09-24T17:50:58","slug":"como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal","status":"publish","type":"post","link":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/how-the-feds-rate-cut-affects-your-mortgage\/","title":{"rendered":"C\u00f3mo afecta a su hipoteca la bajada de tipos de la Fed"},"content":{"rendered":"<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-image-element\" style=\"--awb-margin-bottom:55px;--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=\"1920\" height=\"1080\" alt=\"Olcm Actnowfedrateblog Cabecera 092324\" title=\"Olcm Actnowfedrateblog Cabecera 092324\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324.png\" class=\"img-responsive wp-image-2287\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324-200x113.png 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324-400x225.png 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324-600x338.png 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324-800x450.png 800w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324-1200x675.png 1200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324.png 1920w\" sizes=\"(max-width: 840px) 100vw, 1920px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-1\"><p><span style=\"font-weight: 400;\">El 18 de septiembre de 2024, la Reserva Federal salt\u00f3 a los titulares al recortar los tipos de inter\u00e9s en 50 puntos b\u00e1sicos (0,50%), situando el rango objetivo en 4,75% - 5%. Este fue el primer recorte de tipos importante en mucho tiempo, y es probable que haya dejado a muchos propietarios de viviendas y compradores potenciales pregunt\u00e1ndose qu\u00e9 significa para las tasas hipotecarias.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_3 2_3 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:66.666666666667%;--awb-margin-top-large:0px;--awb-spacing-right-large:2.88%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:2.88%;--awb-width-medium:66.666666666667%;--awb-order-medium:0;--awb-spacing-right-medium:2.88%;--awb-spacing-left-medium:2.88%;--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-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.5;\"><b>\u00bfQu\u00e9 ha recortado realmente la Reserva Federal?<\/b><\/h4><\/div><div class=\"fusion-text fusion-text-2\"><p><span style=\"font-weight: 400;\">En primer lugar, es importante aclarar: la Fed no baj\u00f3 directamente los tipos hipotecarios. El tipo que controla la Fed es el tipo a un d\u00eda que los bancos utilizan para prestarse entre s\u00ed. Es lo que se conoce como <\/span><i><span style=\"font-weight: 400;\">Tipo de los fondos federales<\/span><\/i><span style=\"font-weight: 400;\">e influye en los tipos de inter\u00e9s de los pr\u00e9stamos a corto plazo, como los de las tarjetas de cr\u00e9dito, los pr\u00e9stamos para autom\u00f3viles y los pr\u00e9stamos a empresas. Aunque esto tiene un efecto domin\u00f3 en toda la econom\u00eda, incluidos los tipos hipotecarios, la relaci\u00f3n es indirecta.<\/span><\/p>\n<\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.5;\"><b>\u00bfSeguir\u00e1n los tipos hipotecarios el mismo camino?<\/b><\/h4><\/div><div class=\"fusion-text fusion-text-3\"><p><span style=\"font-weight: 400;\">Los tipos hipotecarios no siempre siguen exactamente las medidas de la Reserva Federal. Hist\u00f3ricamente, los recortes de tipos a veces pueden empujar los tipos hipotecarios <\/span><i><span style=\"font-weight: 400;\">arriba <\/span><\/i><span style=\"font-weight: 400;\">porque estimulan una mayor actividad econ\u00f3mica, lo que podr\u00eda disparar la inflaci\u00f3n. Cuando sube la inflaci\u00f3n, disminuye el valor de los rendimientos fijos a largo plazo (como los de una hipoteca a 30 a\u00f1os), lo que lleva a los prestamistas a subir los tipos para proteger sus m\u00e1rgenes de beneficio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Sin embargo, el entorno econ\u00f3mico actual es diferente. La Reserva Federal ya hab\u00eda subido los tipos en 525 puntos b\u00e1sicos (5,25%) para frenar la inflaci\u00f3n, que ahora se sit\u00faa en un m\u00e1s manejable 2,6% (Core PCE, la medida de inflaci\u00f3n favorita de la Reserva Federal). Dadas estas pol\u00edticas restrictivas, el reciente recorte de la Reserva Federal muestra confianza en que la inflaci\u00f3n est\u00e1 bajo control y tiende hacia su objetivo de 2%.<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_3 1_3 fusion-flex-column fusion-flex-align-self-center\" style=\"--awb-bg-size:cover;--awb-width-large:33.333333333333%;--awb-margin-top-large:0px;--awb-spacing-right-large:5.76%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:5.76%;--awb-width-medium:33.333333333333%;--awb-order-medium:0;--awb-spacing-right-medium:5.76%;--awb-spacing-left-medium:5.76%;--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-center fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"text-align:center;--awb-aspect-ratio:1 \/ 1;--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 has-aspect-ratio\" style=\"border:6px solid var(--awb-color8);border-radius:50%;\"><img decoding=\"async\" width=\"800\" height=\"450\" alt=\"Concepto de recorte de los tipos de inter\u00e9s bancarios, renderizaci\u00f3n 3D\" title=\"Concepto de recorte de los tipos de inter\u00e9s bancarios, renderizaci\u00f3n 3D\" src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/RateCuts.jpeg\" class=\"img-responsive wp-image-2293 img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" srcset=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/RateCuts-200x113.jpeg 200w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/RateCuts-400x225.jpeg 400w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/RateCuts-600x338.jpeg 600w, https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/RateCuts.jpeg 800w\" sizes=\"(max-width: 840px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><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-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.5;\"><b>Qu\u00e9 esperar de los tipos hipotecarios en el futuro<\/b><\/h4><\/div><div class=\"fusion-text fusion-text-4\"><p><span style=\"font-weight: 400;\">El Resumen de Proyecciones Econ\u00f3micas (SEP) de la Reserva Federal sugiere que se avecinan m\u00e1s recortes: 50 puntos b\u00e1sicos m\u00e1s este a\u00f1o y otros 100 puntos b\u00e1sicos en 2025. Esto indica una relajaci\u00f3n del entorno econ\u00f3mico, lo que suele traducirse en una bajada de los tipos hipotecarios. Adem\u00e1s, si el desempleo sigue aumentando, como espera la Reserva Federal (se prev\u00e9 que alcance el 4,4% a finales de a\u00f1o), eso tambi\u00e9n presionar\u00eda a la baja los tipos hipotecarios.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En un posible entorno de recesi\u00f3n, que la Reserva Federal vigila de cerca, los tipos hipotecarios podr\u00edan bajar a\u00fan m\u00e1s. Sin embargo, es importante recordar que los tipos no bajar\u00e1n en l\u00ednea recta. Puede haber fluctuaciones en el camino, ya que los mercados reaccionan a los datos econ\u00f3micos y las perspectivas de inflaci\u00f3n.<\/span><\/p>\n<\/div><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:20;--minFontSize:20;line-height:1.5;\"><b>Lo esencial: Noticias positivas para compradores y propietarios de viviendas<\/b><\/h4><\/div><div class=\"fusion-text fusion-text-5\"><p><span style=\"font-weight: 400;\">Si ha estado esperando para refinanciar su casa o explorar sus opciones de compra, ahora podr\u00eda ser el momento de empezar a pensar en el futuro. Con la Reserva Federal a punto de hacer recortes adicionales y la inflaci\u00f3n aparentemente bajo control, podr\u00edamos ver que los tipos hipotecarios siguen tendiendo a la baja en los pr\u00f3ximos meses. Pero como siempre, cada situaci\u00f3n es \u00fanica, y es esencial consultar con un profesional hipotecario para explorar sus mejores opciones.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">En Oak Leaf Community Mortgage, impulsado por North Shore Trust &amp; Savings, estamos aqu\u00ed para ayudarle a navegar por estos cambios y encontrar la mejor soluci\u00f3n hipotecaria para usted. P\u00f3ngase en contacto con <\/span><a href=\"https:\/\/www.myoakleaf.com\/es\/oficial-de-prestamos\/\"><span style=\"font-weight: 400;\">nuestro equipo<\/span><\/a><span style=\"font-weight: 400;\"> hoy mismo para hablar de c\u00f3mo este entorno cambiante de tipos podr\u00eda beneficiar a sus objetivos financieros.<\/span><\/p>\n<\/div><div class=\"fusion-text fusion-text-6\"><p><b>Mant\u00e9ngase informado y a la vanguardia.<\/b><span style=\"font-weight: 400;\"> Tanto si compra por primera vez como si est\u00e1 pensando en <\/span><a href=\"https:\/\/www.myoakleaf.com\/es\/hipoteca-tradicional\/servicios-de-refinanciacion\/\"><span style=\"font-weight: 400;\">refinanciar<\/span><\/a><span style=\"font-weight: 400;\">estamos preparados para ofrecerle la orientaci\u00f3n que necesita para tomar decisiones informadas y con confianza.<\/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: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-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:25px;margin-bottom:25px;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:1px;\"><\/div><\/div><div class=\"fusion-text fusion-text-7\"><h4><b>Contacte con nosotros hoy mismo para una evaluaci\u00f3n gratuita de su hipoteca<\/b><\/h4>\n<\/div><div class=\"fusion-text fusion-text-8\"><p><span style=\"font-weight: 400;\">Tanto si quiere comprar una casa nueva, <\/span><a href=\"https:\/\/www.myoakleaf.com\/es\/hipoteca-tradicional\/servicios-de-refinanciacion\/\"><span style=\"font-weight: 400;\">refinanciar<\/span><\/a><span style=\"font-weight: 400;\"> su hipoteca actual, o explore nuestra <\/span><a href=\"https:\/\/www.myoakleaf.com\/es\/cartera-hipotecaria\/\"><span style=\"font-weight: 400;\">programas de pr\u00e9stamos de cartera<\/span><\/a><span style=\"font-weight: 400;\">Oak Leaf Community Mortgage est\u00e1 aqu\u00ed para ayudarle.\u00a0<\/span><\/p>\n<h4><a href=\"https:\/\/www.myoakleaf.com\/es\/contacto\/\"><b>P\u00f3ngase en contacto con nosotros<\/b><\/a><b> hoy mismo para una evaluaci\u00f3n hipotecaria gratuita. Perm\u00edtanos ayudarle a navegar el proceso hipotecario con confianza, asegurando que usted tome las decisiones m\u00e1s informadas para sus metas financieras durante este momento crucial.<\/b><\/h4>\n<\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":2287,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-2286","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>How the Fed&#039;s Rate Cut Affects Your Mortgage<\/title>\n<meta name=\"description\" content=\"Learn how the Federal Reserve&#039;s recent rate cut could impact mortgage rates. Oak Leaf Community Mortgage breaks down what this means for homebuyers and those looking to refinance.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How the Fed&#039;s Rate Cut Affects Your Mortgage\" \/>\n<meta property=\"og:description\" content=\"Learn how the Federal Reserve&#039;s recent rate cut could impact mortgage rates. Oak Leaf Community Mortgage breaks down what this means for homebuyers and those looking to refinance.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/\" \/>\n<meta property=\"og:site_name\" content=\"Oak Leaf Community Mortgage\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-23T19:26:14+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-24T17:50:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"dooley\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrito por\" \/>\n\t<meta name=\"twitter:data1\" content=\"dooley\" \/>\n\t<meta name=\"twitter:label2\" content=\"Tiempo de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutos\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/\"},\"author\":{\"name\":\"dooley\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/#\\\/schema\\\/person\\\/e4ca5b5b8d45b52821567ffefcc18b6c\"},\"headline\":\"How the Fed&#8217;s Rate Cut Affects Your Mortgage\",\"datePublished\":\"2024-09-23T19:26:14+00:00\",\"dateModified\":\"2024-09-24T17:50:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/\"},\"wordCount\":5606,\"image\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.myoakleaf.com\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/OLCM_ActNowFedRateBlog_Header_092324.png\",\"articleSection\":[\"Uncategorized\"],\"inLanguage\":\"es\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/\",\"url\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/\",\"name\":\"How the Fed's Rate Cut Affects Your Mortgage\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.myoakleaf.com\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/OLCM_ActNowFedRateBlog_Header_092324.png\",\"datePublished\":\"2024-09-23T19:26:14+00:00\",\"dateModified\":\"2024-09-24T17:50:58+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/#\\\/schema\\\/person\\\/e4ca5b5b8d45b52821567ffefcc18b6c\"},\"description\":\"Learn how the Federal Reserve's recent rate cut could impact mortgage rates. Oak Leaf Community Mortgage breaks down what this means for homebuyers and those looking to refinance.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/#breadcrumb\"},\"inLanguage\":\"es\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.myoakleaf.com\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/OLCM_ActNowFedRateBlog_Header_092324.png\",\"contentUrl\":\"https:\\\/\\\/www.myoakleaf.com\\\/wp-content\\\/uploads\\\/2024\\\/09\\\/OLCM_ActNowFedRateBlog_Header_092324.png\",\"width\":1920,\"height\":1080,\"caption\":\"Olcm Actnowfedrateblog Header 092324\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/es\\\/2024\\\/09\\\/23\\\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.myoakleaf.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How the Fed&#8217;s Rate Cut Affects Your Mortgage\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/#website\",\"url\":\"https:\\\/\\\/www.myoakleaf.com\\\/\",\"name\":\"Oak Leaf Community Mortgage\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.myoakleaf.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.myoakleaf.com\\\/#\\\/schema\\\/person\\\/e4ca5b5b8d45b52821567ffefcc18b6c\",\"name\":\"dooley\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"es\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g\",\"caption\":\"dooley\"},\"sameAs\":[\"https:\\\/\\\/www.myoakleaf.com\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"C\u00f3mo afecta a su hipoteca la bajada de tipos de la Fed","description":"Conozca c\u00f3mo la reciente reducci\u00f3n de tipos de la Reserva Federal podr\u00eda afectar a los tipos hipotecarios. Oak Leaf Community Mortgage desglosa lo que esto significa para los compradores de vivienda y aquellos que buscan refinanciar.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/","og_locale":"es_MX","og_type":"article","og_title":"How the Fed's Rate Cut Affects Your Mortgage","og_description":"Learn how the Federal Reserve's recent rate cut could impact mortgage rates. Oak Leaf Community Mortgage breaks down what this means for homebuyers and those looking to refinance.","og_url":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/","og_site_name":"Oak Leaf Community Mortgage","article_published_time":"2024-09-23T19:26:14+00:00","article_modified_time":"2024-09-24T17:50:58+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324.png","type":"image\/png"}],"author":"dooley","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"dooley","Tiempo de lectura":"4 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/#article","isPartOf":{"@id":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/"},"author":{"name":"dooley","@id":"https:\/\/www.myoakleaf.com\/#\/schema\/person\/e4ca5b5b8d45b52821567ffefcc18b6c"},"headline":"How the Fed&#8217;s Rate Cut Affects Your Mortgage","datePublished":"2024-09-23T19:26:14+00:00","dateModified":"2024-09-24T17:50:58+00:00","mainEntityOfPage":{"@id":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/"},"wordCount":5606,"image":{"@id":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/#primaryimage"},"thumbnailUrl":"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324.png","articleSection":["Uncategorized"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/","url":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/","name":"C\u00f3mo afecta a su hipoteca la bajada de tipos de la Fed","isPartOf":{"@id":"https:\/\/www.myoakleaf.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/#primaryimage"},"image":{"@id":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/#primaryimage"},"thumbnailUrl":"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324.png","datePublished":"2024-09-23T19:26:14+00:00","dateModified":"2024-09-24T17:50:58+00:00","author":{"@id":"https:\/\/www.myoakleaf.com\/#\/schema\/person\/e4ca5b5b8d45b52821567ffefcc18b6c"},"description":"Conozca c\u00f3mo la reciente reducci\u00f3n de tipos de la Reserva Federal podr\u00eda afectar a los tipos hipotecarios. Oak Leaf Community Mortgage desglosa lo que esto significa para los compradores de vivienda y aquellos que buscan refinanciar.","breadcrumb":{"@id":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/#breadcrumb"},"inLanguage":"es","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/"]}]},{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/#primaryimage","url":"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324.png","contentUrl":"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_ActNowFedRateBlog_Header_092324.png","width":1920,"height":1080,"caption":"Olcm Actnowfedrateblog Header 092324"},{"@type":"BreadcrumbList","@id":"https:\/\/www.myoakleaf.com\/es\/2024\/09\/23\/como-afecta-a-su-hipoteca-la-bajada-de-tipos-del-gobierno-federal\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.myoakleaf.com\/"},{"@type":"ListItem","position":2,"name":"How the Fed&#8217;s Rate Cut Affects Your Mortgage"}]},{"@type":"WebSite","@id":"https:\/\/www.myoakleaf.com\/#website","url":"https:\/\/www.myoakleaf.com\/","name":"Hipoteca comunitaria Oak Leaf","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.myoakleaf.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"es"},{"@type":"Person","@id":"https:\/\/www.myoakleaf.com\/#\/schema\/person\/e4ca5b5b8d45b52821567ffefcc18b6c","name":"dooley","image":{"@type":"ImageObject","inLanguage":"es","@id":"https:\/\/secure.gravatar.com\/avatar\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/2cd7454d63adcfb5c9a6c3d83bd24ec8826fb2bad0d6ca3053ff8a339aaa1d07?s=96&d=mm&r=g","caption":"dooley"},"sameAs":["https:\/\/www.myoakleaf.com"]}]}},"_links":{"self":[{"href":"https:\/\/www.myoakleaf.com\/es\/wp-json\/wp\/v2\/posts\/2286","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.myoakleaf.com\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.myoakleaf.com\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.myoakleaf.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.myoakleaf.com\/es\/wp-json\/wp\/v2\/comments?post=2286"}],"version-history":[{"count":9,"href":"https:\/\/www.myoakleaf.com\/es\/wp-json\/wp\/v2\/posts\/2286\/revisions"}],"predecessor-version":[{"id":2296,"href":"https:\/\/www.myoakleaf.com\/es\/wp-json\/wp\/v2\/posts\/2286\/revisions\/2296"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.myoakleaf.com\/es\/wp-json\/wp\/v2\/media\/2287"}],"wp:attachment":[{"href":"https:\/\/www.myoakleaf.com\/es\/wp-json\/wp\/v2\/media?parent=2286"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.myoakleaf.com\/es\/wp-json\/wp\/v2\/categories?post=2286"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.myoakleaf.com\/es\/wp-json\/wp\/v2\/tags?post=2286"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}