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Monday, September 21, 2026
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HomeHipotecas¿Cuál es un aviso de incumplimiento?

¿Cuál es un aviso de incumplimiento?

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  • Un aviso de incumplimiento es un registro conocido que indica que un prestatario está en incumplimiento en su préstamo.

  • Un prestamista o administrador presenta una letrilla predeterminada como el primer paso en el proceso de ejecución hipotecaria.

  • Si ignora un aviso de incumplimiento, podría perder su hogar, por lo que si recibe uno, comuníquese con su prestamista lo antiguamente posible.

Si pierde múltiples pagos de hipotecas, su prestamista o administrador puede iniciar el proceso de ejecución hipotecaria emitiendo un aviso de incumplimiento. Esto es lo que debe conocer sobre estos avisos, incluido qué hacer si recibe uno.

¿Cuál es un aviso de incumplimiento?

Si un prestatario se retrasa en los pagos de la hipotecaun prestamista o administrador puede presentar un aviso de incumplimiento en presencia de la oficina de un tribunal o registrador del condado.

“Un aviso de incumplimiento es esencialmente una emplazamiento de atención formal de su prestamista”, dice Timothy Chase, un corredor hipotecario y propietario de 719 préstamos en Colorado Springs, Colorado.

“Es su forma de hacerle conocer que ha perdido los pagos en su hipoteca, generalmente tres o más, y que está oficialmente en peligro de ejecución hipotecaria”.

Si recibe un aviso de incumplimiento, generalmente tendrá 30 días para elaborar un acuerdo de plazo o respaldar el saldo adeudado completo; de lo contrario, podría perder su hogar a cordura hipotecario. El incumplimiento se informará a las oficinas de crédito, que pueden Derrarle su puntaje de crédito y potencialmente dificulta la aprobación de un préstamo en el futuro.

¿Cómo se ve un aviso de incumplimiento?

Los avisos de valía predeterminado incluyen información sobre el prestatario, el prestamista hipotecario y la propiedad. Esto incluye:

  • Información de contacto para el prestatario y el prestamista
  • La dirección de la propiedad hipotecada
  • Una explicación del valía predeterminado, la obra requerida para devolver la cuenta a la buena reputación y la momento margen para hacerlo
  • Las acciones que tomará el prestamista si el prestatario no cumple

¿Cómo funciona un aviso de valía predeterminado?

Un aviso de incumplimiento a menudo sirve como el primer paso en una ejecución hipotecaria. Aquí hay una examen más cercana al proceso, incluido lo que sucede antiguamente y luego de que un prestamista emite un aviso predeterminado:

  1. Un prestatario omite múltiples pagos de hipotecas. Un prestatario está técnicamente en incumplimiento luego de perder el plazo de una hipoteca, aunque los prestamistas generalmente permiten un período de disposición antiguamente de cobrar tarifas de plazo atrasadas. Si un prestatario pasa a perder pagos adicionales sin contactar al prestamista, generalmente tres pagos consecutivos en total, el preforeculación comienza el proceso. En este punto, el prestamista o administrador habrá tratado de contactar al prestatario y explicar apto opciones de alivio de la hipoteca.
  2. Su prestamista o administrador presenta un aviso predeterminado. Dependiendo de las regulaciones locales, el administrador presenta el aviso en presencia de el tribunal o la oficina de un registrador almacén. El prestatario es notificado por correo.
  3. El prestatario argumenta. El aviso predeterminado explica qué debe hacer el prestatario para Evite la ejecución hipotecaria. En universal, esto implica contactar al prestamista o al administrador para establecer un plan de plazo o respaldar el saldo en su totalidad. Alternativamente, el prestatario puede desafiar el aviso si creen que fue recibido por error.
  4. La ejecución hipotecaria comienza (en algunos casos). Si el prestatario y el prestamista no pueden resolver los pagos vencidos, o el prestatario no argumenta, el prestamista puede comenzar el proceso de ejecución hipotecaria. Esto generalmente ocurre cuando la cuenta es 120 días posteriores.

Qué hacer si recibe un aviso de incumplimiento

Posteriormente de cobrar un aviso de incumplimiento, debe comunicarse con su prestamista de inmediato, dice Matthew Ricci, diestro en préstamos hipotecarios en Churchill Mortgage en Cranston, Rhode Island.

“Además recomiendo despabilarse asesores legales durante, o incluso antiguamente, este proceso comienza”, dice Ricci.

Montar a su prestamista lo antiguamente posible le da más tiempo para explorar formas de evitar la ejecución hipotecaria: un resultado que su prestamista probablemente todavía prefiera todavía.

“Esto puede parecer desalentador, pero los prestamistas a menudo prefieren trabajar con usted para resolver el problema en circunstancia de tener lugar por un costoso proceso de ejecución hipotecaria”, dice Chase.

Su prestamista o administrador debe conectarlo con alguno de su mitigación de pérdidas Área, que explicará sus opciones de alivio hipotecario. Estos pueden incluir:

  • Plan de reembolso: Con un plan de reembolso, pagará lo que debe durante una cierta cantidad de tiempo. Por ejemplo, su prestamista o administrador podría dividir el monto total adeudado durante seis meses y agregarlo a su plazo mensual habitual.
  • Paciencia: Si recientemente ha perdido su trabajo o ha tratado con otro revés financiero temporal, es posible que pueda entrar en paciencia. Esto le permite hacer una pausa o acortar los pagos de su hipoteca por un cierto período, pero requiere que pague el monto perdido luego.
  • Modificación del préstamo: Si se proxenetismo de dificultades financieras a desprendido plazo, su prestamista o administrador podría ofrecer un modificación del préstamo. Esto cambia la tasa o término de interés de su hipoteca (o entreambos) para hacer que sus pagos sean más asequibles. Un ejemplo es el Modificación de flexión El software, que permite a los prestatarios extender el plazo de reembolso o acortar la tasa de interés de los préstamos convencionales, reduciendo los pagos en hasta un 20 por ciento.
  • Saldo corta: En saldo cortaVende su casa por menos de lo que debe en la hipoteca. Es posible que deba pagarle a su prestamista o administrador la diferencia entre el precio de saldo y el saldo de su hipoteca, o puede que la diferencia sea perdonada.
  • ESCRITO-IN-LIEU DE ENCREVISIÓN: Si elige esta opción, le dará a su prestamista o administrador la escritura a su casa. Todavía perderá su hogar, pero incurrirá en menos daños a su crédito que si hubiera pasado por una ejecución hipotecaria.

Hagas lo que hagas, no ignore un aviso de incumplimiento, o enfrentarás las difíciles realidades de ejecución hipotecaria.

“Una vez que el aviso queda sin respuesta, el prestamista puede avanzar con los procedimientos de ejecución hipotecaria”, dice Chase. “Esto significa no solo perder su hogar, sino todavía enemistar daños duraderos en su puntaje de crédito”.

“Al no asaltar el aviso, todavía pierde la oportunidad de negociar con su prestamista o explorar alternativas como entregar la casa en sus términos”, dice Chase.

Preguntas frecuentes

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