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HomeHipotecasGuía de préstamos de cartera: cómo funcionan

Guía de préstamos de cartera: cómo funcionan

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  • Un préstamo de cartera es un tipo de hipoteca que un mesa o prestamista crea y retiene, mantiene en su cartera, en punto de traicionar en el mercado de hipotecas secundarias.

  • Los préstamos de cartera a veces tienen requisitos financieros y de crédito más flexibles en comparación con las hipotecas conformes, pero todavía tienden a venir con tasas de interés más altas y costos iniciales.

  • Los préstamos de cartera no están disponibles en todas partes, y generalmente son para prestatarios con circunstancias financieras únicas.

¿Qué es un préstamo de cartera?

Un préstamo de cartera es un tipo de hipoteca creada por un mesa o prestamista, luego retenido en el mesa o cartera de prestamistas en punto de traicionar, como lo son la mayoría de las hipotecas en los EE. UU. Eso le da al mesa o al prestamista la franqueza de establecer sus propios términos de préstamo, como la tasa de interés y el requisito reducido de puntaje de crédito.

Estos términos pueden ser más flexibles que los términos en una hipoteca regular. Esto hace que un préstamo de cartera sea una opción para los prestatarios que no cumplen con los criterios de elegibilidad para un préstamo tradicional.

Sin requisa, los préstamos de cartera no están tan disponibles como hipotecas regulares. Algunos prestamistas que les ofrecen ni siquiera los anuncian.

Cómo funciona un préstamo de cartera

Con la mayoría de las hipotecas, el prestamista que crea el préstamo no lo mantiene como parte de sus tenencias. En cambio, el prestamista vende la hipoteca interiormente del mercado de hipotecas secundarias, un proceso que ayuda a producir más pasta para aventajar más hipotecas. Esto es facilitado principalmente por Fannie Mae y Freddie Mac, las empresas patrocinadas por el gobierno que compran y respaldan la mayoría de las hipotecas en los EE. UU.

Sin requisa, para ser elegible para la traspaso, una hipoteca debe cumplir con ciertos estándares de “conformes”, como un puntaje de crédito reducido y los índices de deuda máximos. Correcto a que los prestamistas no venden préstamos de cartera, estos estándares no se aplican a ellos. Con un préstamo de cartera, es posible que pueda pedir prestado más u obtener el préstamo más rápido, por ejemplo, en comparación con una hipoteca conforme.

Sin requisa, los estándares conformes existen por una razón: ayudan a proteger a los prestatarios y prestamistas contra el aventura que un prestatario no reembolsa la hipoteca. Un préstamo de cartera no tiene que incorporarse a estos estándares, por lo que existe un viejo aventura. Con eso viene el potencial de mayores tasas de interés y tarifas.

Requisitos de préstamo de cartera

Los requisitos para un préstamo de cartera varían ampliamente porque el prestamista puede establecer sus propios términos de préstamo. Por ejemplo, la cooperativa de crédito federal de autoayuda con sede en California acepta puntajes de crédito tan bajos como 580, pero Atlantic Union Bank en Virginia requiere al menos un 640 y un reducido de 700 si no tiene un suscripción original.

Pros de la cartera pros y contras

Pros

  • Opciones de préstamo más grandes: Los prestatarios que necesitan una hipoteca de gran tamaño o no pueden realizar un suscripción original más vasto puede encontrar más flexibilidad con una opción de cartera.
  • Suscripción flexible: Los prestatarios que no tienen un ingreso vacada estable, los agujeros en sus circunstancias de crédito o puntajes que no se ajustan a otros criterios típico podrían etiquetar para un préstamo de cartera.
  • Servicio más práctico o personalizado: Muchos prestamistas de cartera son bancos comunitarios con una conexión con el dominio. Eso puede significar un mejor servicio al cliente o más disposición para encontrar soluciones creativas.

Contras

  • Potencial para una tasa de interés mucho más adhesión: Recuerde que con un préstamo de cartera, el prestamista está perdiendo la oportunidad de revender la deuda en el mercado secundario. Ese es un costo de oportunidad, y el prestamista podría cobrarle una tasa de interés más adhesión para compensarlo.
  • Tarifas más altas: El prestamista todavía podría cobrar tarifas más o más onerosas a cambio del aventura adicional.
  • Sigue siendo algunos estándares para cumplir: A veces, los prestamistas todavía quieren la opción de traicionar el préstamo de cartera en el futuro. En ese caso, es posible que deba cumplir con muchos de los requisitos de suscripción habituales impuestos por Fannie y Freddie.

Lo que los prestatarios deberían asimilar sobre los préstamos de cartera hoy

Si tiene buen crédito y un ingreso estable, es probable que sea un mejor candidato para un préstamo conforme que un préstamo de cartera. Aún así, un préstamo de cartera podría tener sentido en estos casos:

  • Tiene activos significativos, pero menos ingresos estables: Tal vez tengas una gran parte de las valiosas acciones, pero no quieres venderlas. Un préstamo de cartera podría permitirle pedir prestado contra su valencia.
  • Eres propietario de una pequeña empresa o trabaja por cuenta propia: Si sus ingresos no están documentados en un W-2 tradicional o tiene amplios registros comerciales que planea incluir en su solicitud de hipoteca, el proceso de suscripción para un préstamo de cartera podría ser un poco más manejable e bajarse a su atención más fácilmente.
  • Has enemigo algunos obstáculos financieros importantes en el pasado: Si su puntaje crediticio verdaderamente necesita trabajo o si pasó por una bancarrota, por ejemplo, podría ser más realizable obtener la aprobación de un préstamo de cartera a pesar de estas calificaciones en su historial de crédito.

Cómo obtener un préstamo de cartera

Los bancos y otros tipos de prestamistas no siempre promueven préstamos de cartera de la misma guisa que hacen hipotecas regulares. A corredor hipotecario Puede ayudarlo a encontrar un prestamista que se especialice en préstamos de cartera, o al menos con encontrar un préstamo que se ajuste a su crédito y perfil financiero.

Igualmente puede preguntarle a su propio mesa: algunos lo harán como un alojamiento específico, aunque es más probable que obtenga un préstamo de cartera si ha sido un cliente desde hace mucho tiempo. Tenga en cuenta todavía que el mesa podría requerir que mantenga cuentas con saldos mínimos para etiquetar.

Nota: Algunos prestamistas depredadores promocionan préstamos de cartera. Asegúrese de que cualquier institución con la que se trate sea miembro de la FDIC o enumerada con el Sistema y Registro de Licencias Hipotecas en todo el país (NMLS):

Por otra parte, es aconsejable que un abogado de posesiones raíces revise los documentos del prestamista para cualquier característica, cargos o condiciones inusuales.

Preguntas frecuentes

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