[:en]Freddie Mac’s New 3% Down Program[:es]Nuevo programa del 3 % de cuota inicial de Freddie Mac[:]

[:en]Today, Freddie Mac is scheduled to start buying mortgages with down payments of only three percent – the first time down payments have been this low on Freddie Mac loans in nearly five years. The program is called Freddie Mac Home Possible AdvantageSM.

In a recent Executive Perspectives, Dave Lowman EVP, Single-Family Business Freddie Mac, explained the potential impact this program will have on the housing market:

“There’s a new reason Realtors and lenders may expect more qualified borrowers at the closing table during this spring’s home buying season. In addition to low mortgage rates and rising job growth, the down payment hurdle is starting to shrink for creditworthy borrowers, including first-time homebuyers.”

And the mortgage industry agrees with Mr. Lowman. In a recent survey of mortgage originators by the National Association of Realtors (NAR), it was revealed that most loan officers believe the move to a lower down payment will increase access to mortgage credit. Here are that survey’s findings:

Down Payment Program | Simplifying The Market

Bottom Line

Many potential buyers are “ready and willing” to buy a home but have been afraid they may not be “able” because of a lack of adequate savings for a down payment. Check with a local real estate or mortgage professional to understand what the new rules may mean to you.[:es]Freddie Mac's New 3% Down Program | Keeping Current Matters

Está programado que hoy, Freddie Mac comience a comprar hipotecas con cuotas iniciales de tan solo tres por ciento. La primera vez que las cuotas iniciales han estado tan bajas en los préstamos de Freddie Mac en casi cinco años. Este programa se llama Freddie Mac Home Possible AdvantageSM.

En una Perspectiva Ejecutiva reciente, Dave Lowman Vicepresidente Ejecutivo de negocios unifamiliares en Freddie Mac, Explicó el impacto potencial que este programa tendrá en el mercado de la vivienda:

“Hay una nueva razón por la que los Realtors y prestamistas pueden esperar a más prestatarios calificados en la mesa del cierre durante la temporada de comprar una casa esta primavera. Además de las tasas hipotecarias bajas y el alza en el crecimiento del empleo, el obstáculo en la cuota inicial se está empezando a reducir para los prestatarios solventes, incluyendo a los compradores por primera vez”.

Y la industria hipotecaria está de acuerdo con el señor Lowman. En una encuesta reciente a los originadores de hipotecas por la Asociación Nacional de Realtors (NAR por sus siglas en inglés) se revelo que la mayoría de los prestamistas hipotecarios creen que el cambio a una cuota inicial baja va a aumentar el acceso al crédito hipotecario. Estos son los resultados de la encuesta:

Down-Payment-Survey

En conclusión

Muchos compradores potenciales están “listos y dispuestos” a comprar una casa pero han tenido miedo que tal vez no “puedan” debido a la falta de suficientes ahorros para la cuota inicial. Consulte con su agente local de bienes raíces o su prestamista hipotecario para entender las nuevas reglas y lo que significan para usted.[:]

[:en]Freddie Mac’s New 3% Down Program[:es]Nuevo programa del 3 % de cuota inicial de Freddie Mac[:]



[:en]Today, Freddie Mac is scheduled to start buying mortgages with down payments of only three percent – the first time down payments have been this low on Freddie Mac loans in nearly five years. The program is called Freddie Mac Home Possible AdvantageSM. In a recent Executive Perspectives, Dave Lowman EVP, Single-Family Business Freddie Mac, ...

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[:en]Freddie Mac’s New 3% Down Program[:es]Nuevo programa del 3 % de cuota inicial de Freddie Mac[:]



[:en]Today, Freddie Mac is scheduled to start buying mortgages with down payments of only three percent – the first time down payments have been this low on Freddie Mac loans in nearly five years. The program is called Freddie Mac Home Possible AdvantageSM.

In a recent Executive Perspectives, Dave Lowman EVP, Single-Family Business Freddie Mac, explained the potential impact this program will have on the housing market:

“There's a new reason Realtors and lenders may expect more qualified borrowers at the closing table during this spring's home buying season. In addition to low mortgage rates and rising job growth, the down payment hurdle is starting to shrink for creditworthy borrowers, including first-time homebuyers.”

And the mortgage industry agrees with Mr. Lowman. In a recent survey of mortgage originators by the National Association of Realtors (NAR), it was revealed that most loan officers believe the move to a lower down payment will increase access to mortgage credit. Here are that survey’s findings:

Down Payment Program | Simplifying The Market

Bottom Line

Many potential buyers are “ready and willing” to buy a home but have been afraid they may not be “able” because of a lack of adequate savings for a down payment. Check with a local real estate or mortgage professional to understand what the new rules may mean to you.[:es]Freddie Mac's New 3% Down Program | Keeping Current Matters

Está programado que hoy, Freddie Mac comience a comprar hipotecas con cuotas iniciales de tan solo tres por ciento. La primera vez que las cuotas iniciales han estado tan bajas en los préstamos de Freddie Mac en casi cinco años. Este programa se llama Freddie Mac Home Possible AdvantageSM.

En una Perspectiva Ejecutiva reciente, Dave Lowman Vicepresidente Ejecutivo de negocios unifamiliares en Freddie Mac, Explicó el impacto potencial que este programa tendrá en el mercado de la vivienda:

“Hay una nueva razón por la que los Realtors y prestamistas pueden esperar a más prestatarios calificados en la mesa del cierre durante la temporada de comprar una casa esta primavera. Además de las tasas hipotecarias bajas y el alza en el crecimiento del empleo, el obstáculo en la cuota inicial se está empezando a reducir para los prestatarios solventes, incluyendo a los compradores por primera vez”.

Y la industria hipotecaria está de acuerdo con el señor Lowman. En una encuesta reciente a los originadores de hipotecas por la Asociación Nacional de Realtors (NAR por sus siglas en inglés) se revelo que la mayoría de los prestamistas hipotecarios creen que el cambio a una cuota inicial baja va a aumentar el acceso al crédito hipotecario. Estos son los resultados de la encuesta:

Down-Payment-Survey

En conclusión

Muchos compradores potenciales están “listos y dispuestos” a comprar una casa pero han tenido miedo que tal vez no “puedan” debido a la falta de suficientes ahorros para la cuota inicial. Consulte con su agente local de bienes raíces o su prestamista hipotecario para entender las nuevas reglas y lo que significan para usted.[:]

[:en]Freddie Mac’s New 3% Down Program[:es]Nuevo programa del 3 % de cuota inicial de Freddie Mac[:]



[:en]Today, Freddie Mac is scheduled to start buying mortgages with down payments of only three percent – the first time down payments have been this low on Freddie Mac loans in nearly five years. The program is called Freddie Mac Home Possible AdvantageSM. In a recent Executive Perspectives, Dave Lowman EVP, Single-Family Business Freddie Mac, ...

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