Sale of Goods - Approval: This is a Sales Contract between the Buyer and Seller for specific merchandise. It details the responsibilities to eachother, which includes the Buyer's right to inspect the goods for a number of days, to be decided upon by both parties. If the Buyer retains the goods past the allotted number of days, satisfaction will be presumed and payment should be arranged. This agreement should be signed by both parties in front of a Notary Public. This form is available for download in both Word and Rich Text formats.
Para su conveniencia, debajo del texto en español le brindamos la versión completa de este formulario en inglés. For your convenience, the complete English version of this form is attached below the Spanish version.Venta de Bienes, Aprobación - Arizona Sale of Goods, Approval
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Beneficios para compradores de vivienda por primera vez. Los beneficios pueden incluir prestamos de bajo pago o sin pago inicial, subvenciones o prA©stamos perdonables para costos de cierre y asistencia para el pago inicial, asA como crA©ditos fiscales federales.
La Aprobacion del PrA©stamo FHA Tiende a ser mA¡s FA¡cil que los PrA©stamos Convencionales. En general, es mA¡s fA¡cil obtener la aprobaciA³n para un prA©stamo de la FHA, en comparaciA³n con un prA©stamo convencional. Si deposita 20% en su prA©stamo convencional, se le obligara pagar seguro hipotecario privado o PMI.
Prestamos hipotecarios mA¡s accesibles: la AdministraciA³n Federal de Vivienda Federal (FHA, sigla en inglA©s) maneja un programa para ayudarlo con su primera compra. Este programa se conoce como prA©stamos FHA y facilita el crA©dito hipotecario para ciertos compradores.
Para un prestamo de la FHA, se exige un down payment mAnimo del 3.5 % si tienes un puntaje crediticio de 580 o mA¡s. Si puedes hacer un down payment del 10 %, tu puntaje crediticio puede estar en el intervalo de entre 500 y 579. Rocket MortgageA® exige un puntaje crediticio mAnimo de 580 para los prA©stamos de la FHA.
Pre aprobacionCuando te postulas, el banco revisa tu perfil crediticio y puede tardar un mA¡ximo de diez dAas en pre aprobar tu crA©dito de vivienda.
Como minimo, generalmente necesita un puntaje FICO de 620 o mA¡s para calificar para una hipoteca tradicional de tasa fija. Sin embargo, si estA¡ solicitando un prA©stamo de la FHA, puede calificar con un puntaje mucho mA¡s bajo. Si planea tener un pago inicial del 3.5%, puede calificar con un FICO de 580 o superior.
La Administracion Federal de Vivienda (Federal Housing Administration o FHA) administra un programa de seguros de prA©stamos para ampliar las oportunidades de obtener vivienda propia.
El Departamenteo de Agricultura de los Estados Unidos (USDA por sus siglas en ingles) no establece un requisito minimo de puntaje de crA©dito, pero la mayorAa de los prestamistas requieren una puntuaciA³n de al menos 640.
