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He aquí por qué debe postularse en una cooperativa de crédito
Thursday, October 1, 2026
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HomeHipotecas¿Refinanciación? He aquí por qué debe postularse en una cooperativa de crédito

¿Refinanciación? He aquí por qué debe postularse en una cooperativa de crédito

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Si compró una casa cuando las tarifas estaban en su apogeo, o si está considerando tocar su haber, puede estar diligente para un refinanciamiento. Mientras está comprando para un prestamista, considere ampliar una cooperativa de crédito a la mezcla.

Solo ocho de los 100 principales prestamistas hipotecarios por cuota de mercado son cooperativas de crédito, según los datos de 2024 HMDA. Sin incautación, la satisfacción de los miembros en las cooperativas de crédito es significativamente maduro que en los bancos minoristas, según un estudio de energía JD 2025.

He aquí por qué es posible que desee refinanciar su hipoteca en una cooperativa de crédito.

¿Qué es una cooperativa de crédito?

A primera pinta, una cooperativa de crédito y un faja pueden hallarse iguales. Ofrecen servicios similares: cuentas de control y economía, hipotecas, préstamos para automóviles y más. Pero cómo funcionan es un asunto diferente.

“Una cooperativa de crédito es una institución financiera propiedad de miembros”, dice Mark Burrage, vicepresidente senior de préstamos para el hogar en Penfed Credit Union. “No tenemos accionistas. Igualmente somos una sin fines de rendimiento”.

A diferencia de los bancos comerciales, que tienen accionistas, las cooperativas de crédito reinvieren las ganancias en la estructura o se los pagan a los miembros como dividendos.

Si aceptablemente existe la percepción de que las cooperativas de crédito son instituciones pequeñas, locales, y muchas lo son, hay varias cooperativas de crédito más grandes, al igual que hay bancos nacionales más pequeños, regionales y más grandes. Y al igual que los bancos, las cooperativas de crédito además pueden ser solo en ruta o tener sucursales.

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Tenga en cuenta que, a diferencia de la mayoría de los bancos, algunas cooperativas de crédito están abiertas solo para ciertos grupos. Por ejemplo, Navy Federal Credit Union se enfoca en militares activos, veteranos, empleados del Área de Defensa y sus familiares inmediatos. Dicho esto, muchas cooperativas de crédito son fáciles de unir, lo que requiere solo un depósito exiguo o una donación.

¿Por qué nominar una cooperativa de crédito sobre un faja o prestamista en ruta?

Correcto a que las cooperativas de crédito son organizaciones sin fines de rendimiento, pueden centrarse en el servicio y la transparencia, dice Dan Bauer, dirigente de préstamos residenciales para Alliant Credit Union.

“Alliant, utilizamos los mismos estándares de suscripción que otros prestamistas, pero nos enfocamos en hacer que el proceso sea suave y afectuoso con los miembros”, dice Bauer. “Estamos aquí para ayudar a los miembros a tomar decisiones inteligentes e informadas, no apresurarse en un préstamo que no sea el adecuado”.

Eso significa tener expertos en hipotecas para trabajar en cualquier complicación, así como ofrecer orientación sobre si es el momento adecuado para refinanciar. Y si su cooperativa de crédito se especializa en un cierto tipo de préstamo, como los préstamos VA, eso podría suavizar el proceso de refinanciamiento.

Las cooperativas de crédito superan a los bancos minoristas cuando se negociación de confianza, conveniencia y resolución de problemas en el estudio de JD Power. Según Burrage, se negociación de dónde gastan metálico y dónde no gastan metálico.

“Desde el punto de pinta de marketing, no nos verá salir y ponerse $ 100 millones (en) campaña de marketing y tener personajes de Marvel y todo lo asociado”, dice Burrage. “Estamos basados ​​en relaciones”.

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Según un documentación de marzo de 2025 de la Distribución Franquista de Credites, la membresía en cooperativas de crédito aseguradas por el gobierno federal aumentó en 2.9 millones de personas año tras año. Un total de 143.2 millones de personas pertenecen a cooperativas de crédito aseguradas por el gobierno federal.

¿Puede obtener una tasa de refinanciamiento más desprecio en una cooperativa de crédito?

Cuando transacción un prestamista de refinanciamiento, es útil un excelente servicio al cliente, pero en última instancia, querrá comprobar de que los números funcionen a su merced. Cuanto menos pague para refinanciar, y mejor será la tarifa, más pronto verá los ahorros del proceso.

Según los datos de la Distribución Franquista de Credites, Credit Unions superó a los bancos en un promedio de 16 puntos básicos en tasas hipotecarias a 30 abriles entre el primer trimestre de 2024 y el primer trimestre de 2025.

Algunas cooperativas de crédito además tienen empresas afiliadas que le permiten resumir los descuentos. “Si determinado entra y compran una casa con nosotros, y usan hipotecas Penfed, pero además usan Penfed Realty … podrían tener un refinanciamiento (tasa) pequeño en el futuro”, dice Burrage.

Consideraciones antiguamente de refinanciar con una cooperativa de crédito

  • Accesibilidad: Muchas cooperativas de crédito son instituciones pequeñas y locales, y algunas permiten que solo ciertos grupos de personas se unan.
  • Especialización: En algunos casos, su cooperativa de crédito específico puede especializarse en un tipo de préstamo, no todos califican, como los préstamos VA.
  • Estándares de préstamos más estrictos: Correcto a su tamaño relativo, muchas cooperativas de crédito son más selectivas en sus criterios de préstamo, y puede tener dificultades para obtener una buena tasa si tiene un puntaje de crédito calificado más bajo.
  • Tecnología mencionado: Si aceptablemente ciertamente hay cooperativas de crédito expertos en tecnología, muchas cooperativas de crédito más pequeñas no han invertido en tecnología tan fuertemente como los grandes bancos.
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Vale la pena comprar

Si está considerando refinanciar su hipoteca, una cosa es segura: comprar es crucial para comprobar de obtener un acuerdo sólido. “Comprar una casa es más una valentía emocional”, dice Burrage. “La refinanciación es una ecuación matemática”.

Si ese acuerdo proviene de una cooperativa de crédito o un faja, obtener múltiples ofertas es una gran parte de obtener la mejor tasa hipotecaria, sin importar su situación financiera.

“No espere la tasa ‘perfecta”: concéntrese en sus objetivos financieros generales “, dice Bauer.” La refinanciación puede ser una útil poderosa para resumir los pagos mensuales, remunerar su préstamo antiguamente o consentir al haber para otras deyección “.

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