{"id":2473,"date":"2026-05-16T00:32:15","date_gmt":"2026-05-16T00:32:15","guid":{"rendered":"https:\/\/jparedesrealestate.com\/?p=2473"},"modified":"2026-05-16T00:32:20","modified_gmt":"2026-05-16T00:32:20","slug":"nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026","status":"publish","type":"post","link":"https:\/\/jparedesrealestate.com\/en\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/","title":{"rendered":"Nuevo sistema de cr\u00e9dito en EE. UU.: c\u00f3mo cambia la forma de comprar casa en 2026"},"content":{"rendered":"<p class=\"\"><strong>El sistema hipotecario en Estados Unidos est\u00e1 atravesando una transformaci\u00f3n importante. Tradicionalmente, la aprobaci\u00f3n de un pr\u00e9stamo para vivienda depend\u00eda casi exclusivamente del historial de cr\u00e9dito basado en tarjetas, pr\u00e9stamos y reportes bancarios.<\/strong><\/p>\n\n\n\n<p class=\"\">Sin embargo, nuevos modelos de evaluaci\u00f3n est\u00e1n incorporando informaci\u00f3n m\u00e1s amplia del comportamiento financiero del consumidor. Esto podr\u00eda abrir nuevas oportunidades para miles de personas que antes ten\u00edan dificultades para calificar a una hipoteca.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfQu\u00e9 est\u00e1 cambiando en el sistema de cr\u00e9dito?<\/h2>\n\n\n\n<p class=\"\">Los modelos de scoring m\u00e1s recientes, como <strong>VantageScore 4.0<\/strong> y <strong>FICO 10T<\/strong>, est\u00e1n comenzando a integrarse en el sistema hipotecario de Estados Unidos a trav\u00e9s de entidades clave como:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\"><strong>Fannie Mae<\/strong>.<\/li>\n\n\n\n<li class=\"\"><strong>Freddie Mac<\/strong>.<\/li>\n\n\n\n<li class=\"\">Programas respaldados por <strong>FHA (Federal Housing Administration)<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Estos modelos no solo analizan el cr\u00e9dito tradicional, sino que incorporan datos m\u00e1s amplios del comportamiento financiero.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">El cambio m\u00e1s importante: el \u201ccr\u00e9dito alternativo\u201d<\/h2>\n\n\n\n<p class=\"\">La gran novedad es que ahora se empieza a considerar informaci\u00f3n que antes no ten\u00eda tanto peso en la aprobaci\u00f3n hipotecaria, como por ejemplo:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Pagos de renta mensual.<\/li>\n\n\n\n<li class=\"\">Servicios b\u00e1sicos (luz, agua, internet).<\/li>\n\n\n\n<li class=\"\">Patrones de ahorro y manejo de cuentas bancarias.<\/li>\n\n\n\n<li class=\"\">Historial financiero \u201cno tradicional\u201d.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Esto se conoce como <strong>credit scoring alternativo<\/strong> o evaluaci\u00f3n ampliada del comportamiento financiero.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfPor qu\u00e9 es importante este cambio?<\/h2>\n\n\n\n<p class=\"\">Este nuevo enfoque busca reflejar mejor la realidad financiera de los solicitantes.<\/p>\n\n\n\n<p class=\"\">En muchos casos, personas con ingresos estables no lograban calificar para una hipoteca simplemente por no tener suficiente historial de cr\u00e9dito tradicional.<\/p>\n\n\n\n<p class=\"\">Con estos nuevos modelos:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Se ampl\u00eda el acceso a financiamiento hipotecario<\/li>\n\n\n\n<li class=\"\">Se incluyen perfiles \u201cthin file\u201d (poco historial crediticio)<\/li>\n\n\n\n<li class=\"\">Se eval\u00faa la responsabilidad financiera real del usuario<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Importante: no es un cambio inmediato<\/h2>\n\n\n\n<p class=\"\">Aunque estas herramientas ya est\u00e1n en implementaci\u00f3n, no significa que todo el sistema hipotecario haya cambiado por completo.<\/p>\n\n\n\n<p class=\"\">Este proceso es:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Gradual.<\/li>\n\n\n\n<li class=\"\">En fase de adopci\u00f3n progresiva.<\/li>\n\n\n\n<li class=\"\">Dependiente de pol\u00edticas de cada entidad financiera.<\/li>\n<\/ul>\n\n\n\n<p class=\"\">Es decir, algunos bancos ya lo est\u00e1n utilizando, mientras que otros a\u00fan est\u00e1n en transici\u00f3n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00bfA qui\u00e9n beneficia este nuevo sistema?<\/h2>\n\n\n\n<p class=\"\">Principalmente a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li class=\"\">Personas que pagan renta puntual pero no tienen tarjetas de cr\u00e9dito.<\/li>\n\n\n\n<li class=\"\">J\u00f3venes que est\u00e1n iniciando su historial financiero.<\/li>\n\n\n\n<li class=\"\">Inmigrantes o nuevos residentes sin cr\u00e9dito establecido en EE. UU.<\/li>\n\n\n\n<li class=\"\">Trabajadores con ingresos estables pero sin historial bancario tradicional s\u00f3lido<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion<\/h2>\n\n\n\n<p class=\"\">El sistema de cr\u00e9dito en Estados Unidos est\u00e1 evolucionando hacia un modelo m\u00e1s inclusivo, donde no solo importa el pasado financiero tradicional, sino tambi\u00e9n el comportamiento real del d\u00eda a d\u00eda.<\/p>\n\n\n\n<p class=\"\">Este cambio impulsado por modelos como <strong>VantageScore 4.0<\/strong> y <strong>FICO 10T<\/strong> podr\u00eda representar una oportunidad significativa para m\u00e1s personas que buscan comprar una vivienda en el futuro.<\/p>\n\n\n\n<p class=\"\">Sin embargo, a\u00fan es un proceso en desarrollo que seguir\u00e1 ajust\u00e1ndose en los pr\u00f3ximos a\u00f1os. <\/p>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\n<ul class=\"wp-block-list\">\n<li class=\"\">Joeglys Paredes Realtor<\/li>\n\n\n\n<li class=\"\">\ud83d\udcf2 +1 (786) 384-1344<\/li>\n\n\n\n<li class=\"\">\ud83d\udce9 info@jparedesrealestate.com<\/li>\n\n\n\n<li class=\"\">@joeglysparedes.realtor<\/li>\n<\/ul>\n<\/div>\n\n\n\n<p class=\"\"><\/p>","protected":false},"excerpt":{"rendered":"<p>El sistema hipotecario en Estados Unidos est\u00e1 atravesando una transformaci\u00f3n importante. Tradicionalmente, la aprobaci\u00f3n de un pr\u00e9stamo para vivienda depend\u00eda casi exclusivamente del historial de cr\u00e9dito basado en tarjetas, pr\u00e9stamos y reportes bancarios. Sin embargo, nuevos modelos de evaluaci\u00f3n est\u00e1n incorporando informaci\u00f3n m\u00e1s amplia del comportamiento financiero del consumidor. Esto podr\u00eda abrir nuevas oportunidades para [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2474,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[55,52,54],"tags":[],"class_list":["post-2473","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-inversionistas","category-miami","category-prestamo-hipotecario"],"blocksy_meta":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Nuevo sistema de cr\u00e9dito en EE. UU.: c\u00f3mo cambia la forma de comprar casa en 2026 - 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\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Nuevo sistema de cr\u00e9dito en EE. UU.: c\u00f3mo cambia la forma de comprar casa en 2026 - Joeglys Paredes Real Estate\" \/>\n<meta property=\"og:description\" content=\"El sistema hipotecario en Estados Unidos est\u00e1 atravesando una transformaci\u00f3n importante. Tradicionalmente, la aprobaci\u00f3n de un pr\u00e9stamo para vivienda depend\u00eda casi exclusivamente del historial de cr\u00e9dito basado en tarjetas, pr\u00e9stamos y reportes bancarios. Sin embargo, nuevos modelos de evaluaci\u00f3n est\u00e1n incorporando informaci\u00f3n m\u00e1s amplia del comportamiento financiero del consumidor. Esto podr\u00eda abrir nuevas oportunidades para [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/jparedesrealestate.com\/en\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/\" \/>\n<meta property=\"og:site_name\" content=\"Joeglys Paredes Real Estate\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-16T00:32:15+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-16T00:32:20+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/jparedesrealestate.com\/wp-content\/uploads\/2026\/05\/Miniaturas-Joeglys-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"JoeglysParedesRealEstate\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"JoeglysParedesRealEstate\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/\"},\"author\":{\"name\":\"JoeglysParedesRealEstate\",\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/#\\\/schema\\\/person\\\/f3c9e62a95fc1cead59710f0cf410ba3\"},\"headline\":\"Nuevo sistema de cr\u00e9dito en EE. UU.: c\u00f3mo cambia la forma de comprar casa en 2026\",\"datePublished\":\"2026-05-16T00:32:15+00:00\",\"dateModified\":\"2026-05-16T00:32:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/\"},\"wordCount\":517,\"publisher\":{\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/jparedesrealestate.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Miniaturas-Joeglys-1.jpg?fit=1280%2C720&ssl=1\",\"articleSection\":[\"INVERSIONISTAS\",\"MIAMI\",\"PR\u00c9STAMO HIPOTECARIO\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/\",\"url\":\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/\",\"name\":\"Nuevo sistema de cr\u00e9dito en EE. UU.: c\u00f3mo cambia la forma de comprar casa en 2026 - Joeglys Paredes Real Estate\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/jparedesrealestate.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Miniaturas-Joeglys-1.jpg?fit=1280%2C720&ssl=1\",\"datePublished\":\"2026-05-16T00:32:15+00:00\",\"dateModified\":\"2026-05-16T00:32:20+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/jparedesrealestate.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Miniaturas-Joeglys-1.jpg?fit=1280%2C720&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/jparedesrealestate.com\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/Miniaturas-Joeglys-1.jpg?fit=1280%2C720&ssl=1\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/2026\\\/05\\\/16\\\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/jparedesrealestate.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Nuevo sistema de cr\u00e9dito en EE. UU.: c\u00f3mo cambia la forma de comprar casa en 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/#website\",\"url\":\"https:\\\/\\\/jparedesrealestate.com\\\/\",\"name\":\"Joeglys Paredes Real Estate\",\"description\":\"Agente de bienes ra\u00edces con experiencia en compradores locales e internacionales. Asesoro a inversionistas que buscan propiedades en el mercado inmobiliario de Miami.\",\"publisher\":{\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/jparedesrealestate.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/#organization\",\"name\":\"Joeglys Paredes Real Estate\",\"url\":\"https:\\\/\\\/jparedesrealestate.com\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/jparedesrealestate.com\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/cropped-Imagotipo-Negativo-PNG-1.png?fit=1055%2C743&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/jparedesrealestate.com\\\/wp-content\\\/uploads\\\/2025\\\/01\\\/cropped-Imagotipo-Negativo-PNG-1.png?fit=1055%2C743&ssl=1\",\"width\":1055,\"height\":743,\"caption\":\"Joeglys Paredes Real Estate\"},\"image\":{\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/jparedesrealestate.com\\\/#\\\/schema\\\/person\\\/f3c9e62a95fc1cead59710f0cf410ba3\",\"name\":\"JoeglysParedesRealEstate\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c69f5eeb4872863310f1cca3f5fe3e78ca28c40c7175372fc6d7ffa43d3065b5?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c69f5eeb4872863310f1cca3f5fe3e78ca28c40c7175372fc6d7ffa43d3065b5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/c69f5eeb4872863310f1cca3f5fe3e78ca28c40c7175372fc6d7ffa43d3065b5?s=96&d=mm&r=g\",\"caption\":\"JoeglysParedesRealEstate\"},\"sameAs\":[\"https:\\\/\\\/jparedesrealestate.com\",\"https:\\\/\\\/www.instagram.com\\\/joeglysparedes.realtor\"],\"url\":\"https:\\\/\\\/jparedesrealestate.com\\\/en\\\/author\\\/joeglysparedesrealestate\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Nuevo sistema de cr\u00e9dito en EE. UU.: c\u00f3mo cambia la forma de comprar casa en 2026 - Joeglys Paredes Real Estate","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/jparedesrealestate.com\/en\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/","og_locale":"en_US","og_type":"article","og_title":"Nuevo sistema de cr\u00e9dito en EE. UU.: c\u00f3mo cambia la forma de comprar casa en 2026 - Joeglys Paredes Real Estate","og_description":"El sistema hipotecario en Estados Unidos est\u00e1 atravesando una transformaci\u00f3n importante. Tradicionalmente, la aprobaci\u00f3n de un pr\u00e9stamo para vivienda depend\u00eda casi exclusivamente del historial de cr\u00e9dito basado en tarjetas, pr\u00e9stamos y reportes bancarios. Sin embargo, nuevos modelos de evaluaci\u00f3n est\u00e1n incorporando informaci\u00f3n m\u00e1s amplia del comportamiento financiero del consumidor. Esto podr\u00eda abrir nuevas oportunidades para [&hellip;]","og_url":"https:\/\/jparedesrealestate.com\/en\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/","og_site_name":"Joeglys Paredes Real Estate","article_published_time":"2026-05-16T00:32:15+00:00","article_modified_time":"2026-05-16T00:32:20+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/jparedesrealestate.com\/wp-content\/uploads\/2026\/05\/Miniaturas-Joeglys-1.jpg","type":"image\/jpeg"}],"author":"JoeglysParedesRealEstate","twitter_card":"summary_large_image","twitter_misc":{"Written by":"JoeglysParedesRealEstate","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/#article","isPartOf":{"@id":"https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/"},"author":{"name":"JoeglysParedesRealEstate","@id":"https:\/\/jparedesrealestate.com\/#\/schema\/person\/f3c9e62a95fc1cead59710f0cf410ba3"},"headline":"Nuevo sistema de cr\u00e9dito en EE. UU.: c\u00f3mo cambia la forma de comprar casa en 2026","datePublished":"2026-05-16T00:32:15+00:00","dateModified":"2026-05-16T00:32:20+00:00","mainEntityOfPage":{"@id":"https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/"},"wordCount":517,"publisher":{"@id":"https:\/\/jparedesrealestate.com\/#organization"},"image":{"@id":"https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/jparedesrealestate.com\/wp-content\/uploads\/2026\/05\/Miniaturas-Joeglys-1.jpg?fit=1280%2C720&ssl=1","articleSection":["INVERSIONISTAS","MIAMI","PR\u00c9STAMO HIPOTECARIO"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/","url":"https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/","name":"Nuevo sistema de cr\u00e9dito en EE. UU.: c\u00f3mo cambia la forma de comprar casa en 2026 - Joeglys Paredes Real Estate","isPartOf":{"@id":"https:\/\/jparedesrealestate.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/#primaryimage"},"image":{"@id":"https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/jparedesrealestate.com\/wp-content\/uploads\/2026\/05\/Miniaturas-Joeglys-1.jpg?fit=1280%2C720&ssl=1","datePublished":"2026-05-16T00:32:15+00:00","dateModified":"2026-05-16T00:32:20+00:00","breadcrumb":{"@id":"https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/#primaryimage","url":"https:\/\/i0.wp.com\/jparedesrealestate.com\/wp-content\/uploads\/2026\/05\/Miniaturas-Joeglys-1.jpg?fit=1280%2C720&ssl=1","contentUrl":"https:\/\/i0.wp.com\/jparedesrealestate.com\/wp-content\/uploads\/2026\/05\/Miniaturas-Joeglys-1.jpg?fit=1280%2C720&ssl=1","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/jparedesrealestate.com\/2026\/05\/16\/nuevo-sistema-de-credito-en-ee-uu-como-cambia-la-forma-de-comprar-casa-en-2026\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/jparedesrealestate.com\/"},{"@type":"ListItem","position":2,"name":"Nuevo sistema de cr\u00e9dito en EE. UU.: c\u00f3mo cambia la forma de comprar casa en 2026"}]},{"@type":"WebSite","@id":"https:\/\/jparedesrealestate.com\/#website","url":"https:\/\/jparedesrealestate.com\/","name":"Joeglys Paredes Real Estate","description":"Agente de bienes ra\u00edces con experiencia en compradores locales e internacionales. Asesoro a inversionistas que buscan propiedades en el mercado inmobiliario de Miami.","publisher":{"@id":"https:\/\/jparedesrealestate.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/jparedesrealestate.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/jparedesrealestate.com\/#organization","name":"Joeglys Paredes Real Estate","url":"https:\/\/jparedesrealestate.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/jparedesrealestate.com\/#\/schema\/logo\/image\/","url":"https:\/\/i0.wp.com\/jparedesrealestate.com\/wp-content\/uploads\/2025\/01\/cropped-Imagotipo-Negativo-PNG-1.png?fit=1055%2C743&ssl=1","contentUrl":"https:\/\/i0.wp.com\/jparedesrealestate.com\/wp-content\/uploads\/2025\/01\/cropped-Imagotipo-Negativo-PNG-1.png?fit=1055%2C743&ssl=1","width":1055,"height":743,"caption":"Joeglys Paredes Real Estate"},"image":{"@id":"https:\/\/jparedesrealestate.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/jparedesrealestate.com\/#\/schema\/person\/f3c9e62a95fc1cead59710f0cf410ba3","name":"JoeglysParedesRealEstate","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/c69f5eeb4872863310f1cca3f5fe3e78ca28c40c7175372fc6d7ffa43d3065b5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/c69f5eeb4872863310f1cca3f5fe3e78ca28c40c7175372fc6d7ffa43d3065b5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/c69f5eeb4872863310f1cca3f5fe3e78ca28c40c7175372fc6d7ffa43d3065b5?s=96&d=mm&r=g","caption":"JoeglysParedesRealEstate"},"sameAs":["https:\/\/jparedesrealestate.com","https:\/\/www.instagram.com\/joeglysparedes.realtor"],"url":"https:\/\/jparedesrealestate.com\/en\/author\/joeglysparedesrealestate\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/jparedesrealestate.com\/wp-content\/uploads\/2026\/05\/Miniaturas-Joeglys-1.jpg?fit=1280%2C720&ssl=1","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/jparedesrealestate.com\/en\/wp-json\/wp\/v2\/posts\/2473","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/jparedesrealestate.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/jparedesrealestate.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/jparedesrealestate.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/jparedesrealestate.com\/en\/wp-json\/wp\/v2\/comments?post=2473"}],"version-history":[{"count":1,"href":"https:\/\/jparedesrealestate.com\/en\/wp-json\/wp\/v2\/posts\/2473\/revisions"}],"predecessor-version":[{"id":2475,"href":"https:\/\/jparedesrealestate.com\/en\/wp-json\/wp\/v2\/posts\/2473\/revisions\/2475"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/jparedesrealestate.com\/en\/wp-json\/wp\/v2\/media\/2474"}],"wp:attachment":[{"href":"https:\/\/jparedesrealestate.com\/en\/wp-json\/wp\/v2\/media?parent=2473"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/jparedesrealestate.com\/en\/wp-json\/wp\/v2\/categories?post=2473"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/jparedesrealestate.com\/en\/wp-json\/wp\/v2\/tags?post=2473"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}