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Thursday, October 1, 2026
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HomeHipotecasCómo refinanciar una hipoteca submarina

Cómo refinanciar una hipoteca submarina

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  • Refinanciar una hipoteca submarina puede ser difícil, pero no inasequible. Es más hacedero si tiene un préstamo respaldado por el gobierno, como un préstamo FHA, VA o USDA.

  • No siempre tiene sentido refinanciar una hipoteca submarina, especialmente si aún puede avalar los pagos mensuales. Considere los costos, cuánto tiempo planea permanecer en el hogar y cómo los títulos de las propiedades parecen estar en tendencia en su campo de acción.

  • Si no califica para refinanciar y ya no puede avalar los pagos, puede optar por averiguar una modificación de préstamo o traicionar la casa.

Si debe más sobre su hipoteca de lo que vale su hogar, tiene lo que se conoce como una hipoteca bajo el agua o al revés o equidad negativa. Esto puede suceder cuando caen los títulos de las propiedades, y especialmente si realizó un pequeño suscripción auténtico y no está muy allí en avalar su préstamo. Igualmente puede suceder si está rezagado en los pagos, o si ha sobrevalorado la propiedad con préstamos adicionales.

Aunque no siempre es una opción, podría ser posible refinanciar una hipoteca submarina. Aquí está cómo.

Cómo refinanciar una hipoteca submarina

1. Confirme el estado de su hipoteca

Compare el valencia de mercado coetáneo de su hogar con el saldo de préstamo restante en su estado de cuenta hipotecario más nuevo. Si la casa vale menos de lo que queda por avalar, su préstamo se considera bajo el agua.

Puede usar un estimador de valencia de vivienda en ristra tirado para tener una idea del valencia de su propiedad, pero tenga en cuenta que si desea refinanciar, el prestamista probablemente ordenará una evaluación para determinar su valencia. Esta valoración podría ser diferente de los resultados de una utensilio en ristra.

2. Comprenda sus opciones

Hay más de una forma de acercarse a una hipoteca submarina, por lo que ayer de perseguir un refinanciamiento, aprenda sus opciones. Puede optar por continuar pagando su hipoteca existente, o traicionar o alejarse de la propiedad. Puede que no sea factible refinanciar en definitivo, especialmente si no tiene un préstamo respaldado por el gobierno, no ha tenido su préstamo tan derrochador o está rezagado en los pagos.

Si puede refinanciar, estas son las opciones más comunes:

  • Refinanciamiento de la FHA a racionalización: Si tiene un préstamo de la FHA subacuático, puede ser elegible para un refinanciamiento aerodinámico, que no requiere una evaluación. La nueva hipoteca debe proporcionar un “beneficio tangible neto” que lo ayude financieramente, como una tasa de interés más disminución o un plazo de préstamo más corto.
  • VA REDIGULAR REFINANCE: Igualmente conocido como IRRRL (préstamo de refinanciamiento de reducción de tasas de interés), este tipo de refinanciamiento de ristra se aplica a los préstamos VA y siquiera requiere una evaluación.
  • USDA REFINANCE AYUDA A PREMITADO O PLEMABLADO: Si tiene un préstamo submarino del USDA, es posible que pueda refinanciarlo con uno de los programas de racionalización del USDA, que no requieren una evaluación en la mayoría de los casos. Para auxilio simplificada, la nueva hipoteca debe proporcionar un beneficio tangible neto.

3. Comparar prestamistas de refinanciamiento hipotecario

No tiene que refinanciar con su prestamista hipotecario coetáneo, y puede tener otros prestamistas más dispuestos a trabajar con usted en un préstamo submarino. En común, es mejor comparar al menos tres opciones.

¿Debería refinanciar una hipoteca submarina?

Pros

  • Puede avalar su préstamo más rápido. Es posible que pueda dirigir los ahorros de refinanciamiento para avalar el saldo de su hipoteca ayer. Esto podría ayudar a que su préstamo surja de bajo el agua, aunque con el tiempo, incluso si los títulos de las viviendas no cambian.
  • Puede reservar en interés. Si el refinanciamiento da como resultado una tasa de interés más disminución, ahorrará cuartos a derrochador plazo.

Contras

  • Tienes que avalar los costos de pestillo. Un refinanciamiento viene con costos de pestillo, incluido el seguro hipotecario para una racionalización de la FHA y tarifas para las líneas de ristra de VA y USDA. Es posible que no pueda avalar estos gastos si ya tiene problemas para realizar pagos de préstamos.
  • Podría perder cuartos si planea mudarse pronto. Si su hipoteca está bajo el agua porque su hogar ha disminuido en valencia, podría estar planeando mudarse en el futuro cercano. En ello, la refinanciación podría no conllevar la pena. Puede usar la calculadora de seguridad de refinanciamiento de Bankrate para estimar cuánto tiempo necesitaría permanecer en la propiedad para comenzar a reservar.

Alternativas si no puede refinanciar una hipoteca submarina

Mantenga su hipoteca y continúe pagando

Si desea quedarse en su hogar y aún puede avalar los pagos de la hipoteca, simplemente puede continuar pagando su préstamo en espacio de refinanciar. Una hipoteca submarina en sí no daña su crédito, y con el tiempo, la propiedad podría recuperar parte o la totalidad de su valencia perdido, o el saldo podría cambiar para que ya no deba más de lo que la propiedad vale.

Solicitar una modificación de préstamo

Una modificación del préstamo hipotecario cambia permanentemente los términos de su préstamo para que sea más asequible. Los cambios podrían incluir una tasa de interés más disminución, un plazo de préstamo extendido o un saldo pequeño.

Una modificación es solo una opción si está experimentando dificultades financieras a derrochador plazo que le impide avalar su préstamo coetáneo. Si esto se aplica a usted, comuníquese con su administrador hipotecario, la compañía a la que envía sus pagos, para conocer si es elegible. Si es así, podría ayudarlo a avalar sus pagos y permanecer en su hogar, y potencialmente obtener su préstamo bajo el agua.

Liquidación corta

Si ya no puede permitirse la hipoteca y desea mudarse, puede considerar una traspaso corta o traicionar la casa por menos de lo que se debe en el préstamo. Sin requisa, su prestamista tiene que aceptarlo, y el proceso afecta negativamente su historial de crédito y puntaje, lo que perjudica sus posibilidades de obtener un nuevo préstamo en el futuro. En pocas palabras: esta no debería ser su primera opción.

Escritura en espacio de ejecución hipotecaria o ejecución hipotecaria

Algunos prestatarios con hipotecas submarinas eligen alejarse de la casa y la deuda, ya sea a través de una escritura en espacio de ejecución hipotecaria o ejecución hipotecaria. La primera es la opción más proactiva, pero uno y otro requieren que se mueva y tenga serias implicaciones para su crédito. No tome esta osadía a la ligera. Si aún puede avalar sus pagos, es mucho mejor esperar y permanecer en el hogar.

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