{"id":2423,"date":"2025-11-14T00:33:57","date_gmt":"2025-11-14T00:33:57","guid":{"rendered":"https:\/\/jparedesrealestate.com\/?p=2423"},"modified":"2025-11-14T00:34:03","modified_gmt":"2025-11-14T00:34:03","slug":"eliminan-el-credito-minimo-el-cambio-hipotecario-que-marca-un-antes-y-un-despues","status":"publish","type":"post","link":"https:\/\/jparedesrealestate.com\/en\/2025\/11\/14\/eliminan-el-credito-minimo-el-cambio-hipotecario-que-marca-un-antes-y-un-despues\/","title":{"rendered":"Eliminan el Cr\u00e9dito M\u00ednimo: el Cambio Hipotecario que Marca un Antes y un Despu\u00e9s"},"content":{"rendered":"<p class=\"\">El mercado hipotecario de Estados Unidos est\u00e1 a punto de dar un giro hist\u00f3rico. A partir del 16 de noviembre de 2025, Fannie Mae implementar\u00e1 una actualizaci\u00f3n que cambia por completo c\u00f3mo se eval\u00faa a un comprador de vivienda.<\/p>\n\n\n\n<p class=\"\"><br>La regla del puntaje m\u00ednimo de cr\u00e9dito deja de existir para los pr\u00e9stamos evaluados por <em>Desktop Underwriter (DU)<\/em>, y con ello se abre la puerta a miles de prestatarios que antes quedaban autom\u00e1ticamente fuera del sistema.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfQu\u00e9 es lo que cambia exactamente?<\/strong><\/h2>\n\n\n\n<p class=\"\">Durante a\u00f1os, el est\u00e1ndar fue claro:<br>Para ser elegible, la mayor\u00eda de los pr\u00e9stamos requer\u00edan un cr\u00e9dito m\u00ednimo de 620.<\/p>\n\n\n\n<p class=\"\"><strong>DU ya no exigir\u00e1 una puntuaci\u00f3n m\u00ednima de cr\u00e9dito.<\/strong><\/p>\n\n\n\n<p class=\"\">En vez de fijarse \u00fanicamente en un n\u00famero, ahora analizar\u00e1 todo el perfil financiero del comprador, incluyendo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Historial de pagos<\/li>\n\n\n\n<li class=\"\">Niveles de deuda<\/li>\n\n\n\n<li class=\"\">Reservas de efectivo<\/li>\n\n\n\n<li class=\"\">Comportamientos financieros<\/li>\n\n\n\n<li class=\"\">Factores de riesgo globales<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Este enfoque hol\u00edstico permitir\u00e1 medir la solvencia real de un prestatario y no solo un dato aislado.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfPor qu\u00e9 hacen este cambio? Los 3 objetivos principales<\/strong><\/h2>\n\n\n\n<p class=\"\">Fannie Mae busca modernizar el sistema hipotecario y hacerlo m\u00e1s justo. Este cambio tiene metas claras:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. Ampliar el acceso a la vivienda<\/strong><\/h3>\n\n\n\n<p class=\"\">Personas con cr\u00e9dito limitado, sin historial tradicional o con altibajos ya no ser\u00e1n rechazadas por una sola m\u00e9trica.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Evaluar el riesgo de manera m\u00e1s justa<\/strong><\/h3>\n\n\n\n<p class=\"\">Un cr\u00e9dito bajo ya no ser\u00e1 motivo autom\u00e1tico de exclusi\u00f3n.<br>Ahora se analiza el panorama completo: estabilidad, capacidad de pago y comportamiento financiero general.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Fomentar pr\u00e9stamos responsables<\/strong><\/h3>\n\n\n\n<p class=\"\">El sistema quiere evitar castigar a quienes tienen solvencia, ingresos s\u00f3lidos y buena conducta financiera, pero un puntaje imperfecto.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Detalles importantes a tener en cuenta<\/strong><\/h2>\n\n\n\n<p class=\"\">Aunque la puntuaci\u00f3n m\u00ednima desaparece, los prestamistas seguir\u00e1n obteniendo los reports de cr\u00e9dito y DU continuar\u00e1 us\u00e1ndolos para su evaluaci\u00f3n automatizada.<\/p>\n\n\n\n<p class=\"\">La diferencia est\u00e1 en que:<br>Un puntaje bajo ya no te descalifica autom\u00e1ticamente.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfCu\u00e1ndo entra en vigencia?<\/strong><\/h2>\n\n\n\n<p class=\"\">Esta actualizaci\u00f3n aplica a todas las nuevas presentaciones de pr\u00e9stamos en DU desde el 16 de noviembre de 2025.<\/p>\n\n\n\n<p class=\"\">Es uno de los cambios m\u00e1s importantes de los \u00faltimos a\u00f1os y promete abrir oportunidades para m\u00e1s familias, compradores primerizos e incluso personas que se cre\u00edan fuera del mercado.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Conclusi\u00f3n: un sistema m\u00e1s inclusivo y m\u00e1s realista<\/strong><\/h2>\n\n\n\n<p class=\"\">La eliminaci\u00f3n del cr\u00e9dito m\u00ednimo marca el inicio de una nueva era:<br>M\u00e1s equidad, m\u00e1s acceso y una evaluaci\u00f3n m\u00e1s humana del riesgo crediticio.<\/p>\n\n\n\n<p class=\"\">Para muchos, este cambio representa la posibilidad de convertirse en propietarios por primera vez.<\/p>","protected":false},"excerpt":{"rendered":"<p>El mercado hipotecario de Estados Unidos est\u00e1 a punto de dar un giro hist\u00f3rico. A partir del 16 de noviembre de 2025, Fannie Mae implementar\u00e1 una actualizaci\u00f3n que cambia por completo c\u00f3mo se eval\u00faa a un comprador de vivienda. La regla del puntaje m\u00ednimo de cr\u00e9dito deja de existir para los pr\u00e9stamos evaluados por Desktop [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2424,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[57,61,55,52,54],"tags":[],"class_list":["post-2423","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-comprar","category-inmueble","category-inversionistas","category-miami","category-prestamo-hipotecario"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Eliminan el Cr\u00e9dito M\u00ednimo: el Cambio Hipotecario que Marca un Antes y un Despu\u00e9s - Joeglys Paredes Real Estate<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jparedesrealestate.com\/en\/2025\/11\/14\/eliminan-el-credito-minimo-el-cambio-hipotecario-que-marca-un-antes-y-un-despues\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Eliminan el Cr\u00e9dito M\u00ednimo: el Cambio Hipotecario que Marca un Antes y un Despu\u00e9s - Joeglys Paredes Real Estate\" \/>\n<meta property=\"og:description\" content=\"El mercado hipotecario de Estados Unidos est\u00e1 a punto de dar un giro hist\u00f3rico. A partir del 16 de noviembre de 2025, Fannie Mae implementar\u00e1 una actualizaci\u00f3n que cambia por completo c\u00f3mo se eval\u00faa a un comprador de vivienda. 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