{"id":5614,"date":"2024-08-02T09:47:57","date_gmt":"2024-08-02T14:47:57","guid":{"rendered":"https:\/\/www.northshoretrust.com\/?p=5614"},"modified":"2026-05-27T11:52:26","modified_gmt":"2026-05-27T16:52:26","slug":"de-vuelta-a-la-escuela-con-nsts-tu-guia-basica-sobre-hipotecas","status":"publish","type":"post","link":"https:\/\/www.northshoretrust.com\/es\/2024\/08\/02\/back-to-school-with-nsts-your-mortgage-101-guide\/","title":{"rendered":"De vuelta a la escuela con North Shore Trust and Savings: Tu gu\u00eda b\u00e1sica sobre hipotecas"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:93.6%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h1 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">De vuelta a la escuela con North Shore Trust and Savings: Tu gu\u00eda b\u00e1sica sobre hipotecas<\/h1><\/div><div class=\"fusion-text fusion-text-1\"><p>A medida que el verano llega a su fin y se acerca la temporada de regreso a clases, no solo los ni\u00f1os deber\u00edan ponerse a estudiar. Si est\u00e1s pensando en comprar una casa, es hora de repasar tus conocimientos sobre hipotecas. North Shore Trust and Savings est\u00e1 aqu\u00ed para guiarte a trav\u00e9s de los aspectos esenciales para obtener una hipoteca. Ya sea que est\u00e9s comprando una casa por primera vez o busques refinanciar, entender lo que debes y no debes hacer con las hipotecas puede hacer que el proceso sea m\u00e1s sencillo y menos estresante.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:93.6%;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-margin-bottom:25px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"929\" height=\"594\" title=\"Hipoteca Dos Pizarra\" src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard.png\" data-orig-src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard.png\" alt class=\"lazyload img-responsive wp-image-5615\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27929%27%20height%3D%27594%27%20viewBox%3D%270%200%20929%20594%27%3E%3Crect%20width%3D%27929%27%20height%3D%27594%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-200x128.png 200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-400x256.png 400w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-600x384.png 600w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard-800x512.png 800w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Dos-Chalkboard.png 929w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1072px) 100vw, (max-width: 640px) 100vw, 929px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-2\"><div class=\"fusion-text fusion-text-6\">\n<p>&nbsp;<\/p>\n<h3>Tenga a mano sus documentos financieros<\/h3>\n<\/div>\n<div class=\"fusion-text fusion-text-7\">\n<p>Aseg\u00farese de tener acceso a todos los recibos de sueldo, extractos bancarios y otros documentos financieros importantes. Son esenciales para su solicitud de hipoteca y el proceso de aprobaci\u00f3n.<\/p>\n<\/div>\n<div class=\"fusion-text fusion-text-8\">\n<h3>Utilizar fondos personales para dep\u00f3sitos de garant\u00eda<\/h3>\n<\/div>\n<div class=\"fusion-text fusion-text-9\">\n<p>Deposite la fianza con cargo a su cuenta bancaria personal o con fondos de regalo aceptables. Esto puede evitar complicaciones m\u00e1s adelante.<\/p>\n<\/div>\n<div class=\"fusion-text fusion-text-10\">\n<h3>Documentar la venta de su vivienda actual<\/h3>\n<\/div>\n<div class=\"fusion-text fusion-text-11\">\n<p>Si vende su vivienda actual, facilite toda la documentaci\u00f3n pertinente, incluidos el contrato de compraventa y la declaraci\u00f3n de cierre. Esto ayuda a agilizar la transici\u00f3n a su nuevo hogar.<\/p>\n<\/div>\n<div class=\"fusion-text fusion-text-12\">\n<h3>Notifique a su asesor de pr\u00e9stamos la donaci\u00f3n de fondos<\/h3>\n<\/div>\n<div class=\"fusion-text fusion-text-13\">\n<p>Si va a recibir fondos de regalo para el cierre, informe a su Asesor de Pr\u00e9stamos. Estos fondos s\u00f3lo son aceptables si se cumplen unos criterios espec\u00edficos.<\/p>\n<\/div>\n<div class=\"fusion-text fusion-text-14\">\n<h3>Informar sobre cambios en el empleo<\/h3>\n<\/div>\n<div class=\"fusion-text fusion-text-15\">\n<p>Cualquier cambio en su empleo, como un aumento de sueldo, un ascenso o un cambio en la situaci\u00f3n salarial, debe comunicarse a su asesor de pr\u00e9stamos. Es posible que se obtenga un nuevo informe crediticio antes del cierre.<\/p>\n<\/div>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-margin-bottom:25px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\"fusion-imageframe imageframe-none imageframe-2 hover-type-none\"><img decoding=\"async\" width=\"929\" height=\"594\" title=\"Pizarra de lo que no se debe hacer en las hipotecas\" src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard.png\" data-orig-src=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard.png\" alt class=\"lazyload img-responsive wp-image-5616\" srcset=\"data:image\/svg+xml,%3Csvg%20xmlns%3D%27http%3A%2F%2Fwww.w3.org%2F2000%2Fsvg%27%20width%3D%27929%27%20height%3D%27594%27%20viewBox%3D%270%200%20929%20594%27%3E%3Crect%20width%3D%27929%27%20height%3D%27594%27%20fill-opacity%3D%220%22%2F%3E%3C%2Fsvg%3E\" data-srcset=\"https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-200x128.png 200w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-400x256.png 400w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-600x384.png 600w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard-800x512.png 800w, https:\/\/www.northshoretrust.com\/wp-content\/uploads\/2024\/08\/Mortgage-Donts-chalkboard.png 929w\" data-sizes=\"auto\" data-orig-sizes=\"(max-width: 1072px) 100vw, (max-width: 640px) 100vw, 929px\" \/><\/span><\/div><div class=\"fusion-text fusion-text-3\"><div class=\"fusion-text fusion-text-16\">\n<p>&nbsp;<\/p>\n<h3>Evite movimientos financieros innecesarios<\/h3>\n<\/div>\n<div class=\"fusion-text fusion-text-17\">\n<p>No cierre ni abra cuentas de activos ni transfiera fondos sin consultar a su asesor de pr\u00e9stamos. Una documentaci\u00f3n adecuada es crucial para su pr\u00e9stamo.<\/p>\n<\/div>\n<div class=\"fusion-text fusion-text-18\">\n<h3>No haga grandes dep\u00f3sitos sin notificarlo<\/h3>\n<\/div>\n<div class=\"fusion-text fusion-text-19\">\n<p>Evite depositar grandes sumas de dinero fuera de sus dep\u00f3sitos regulares de n\u00f3mina sin notificarlo a su Consultor de Pr\u00e9stamos. Los dep\u00f3sitos importantes requieren una documentaci\u00f3n sustancial.<\/p>\n<\/div>\n<div class=\"fusion-text fusion-text-20\">\n<h3>Evite los cambios de trabajo<\/h3>\n<\/div>\n<div class=\"fusion-text fusion-text-21\">\n<p>Cambiar de trabajo o de empleador puede afectar al proceso de su pr\u00e9stamo. Consulte siempre a su asesor de pr\u00e9stamos antes de realizar tales cambios.<\/p>\n<\/div>\n<div class=\"fusion-text fusion-text-22\">\n<h3>Abstenerse de hacer grandes compras<\/h3>\n<\/div>\n<div class=\"fusion-text fusion-text-23\">\n<p>No haga compras importantes, como un coche o muebles, antes o durante el proceso del pr\u00e9stamo. Estas compras pueden afectar al importe del pr\u00e9stamo.<\/p>\n<\/div>\n<div class=\"fusion-text fusion-text-24\">\n<h3>No aumentar el pasivo<\/h3>\n<\/div>\n<div class=\"fusion-text fusion-text-25\">\n<p>Evite abrir o aumentar l\u00edneas de cr\u00e9dito u otros pasivos durante el proceso de pr\u00e9stamo, ya que esto puede afectar a su calificaci\u00f3n para el pr\u00e9stamo.<\/p>\n<\/div>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;margin-top:25px;margin-bottom:25px;width:100%;\"><div class=\"fusion-separator-border sep-single sep-solid\" style=\"--awb-height:20px;--awb-amount:20px;--awb-sep-color:var(--awb-color5);border-color:var(--awb-color5);border-top-width:1px;\"><\/div><\/div><div class=\"fusion-text fusion-text-4\"><p>Navegar por el proceso hipotecario no tiene por qu\u00e9 ser algo abrumador. Con la informaci\u00f3n adecuada y un socio de confianza como North Shore Trust and Savings, puedes dar con confianza los pasos necesarios para convertirte en propietario de una vivienda. \u00a1Que disfrutes aprendiendo y que tengas suerte en la b\u00fasqueda de tu casa!<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button-border-radius-top-left:0;--button-border-radius-top-right:0;--button-border-radius-bottom-right:0;--button-border-radius-bottom-left:0;\" target=\"_self\" href=\"https:\/\/www.northshoretrust.com\/es\/contacto-ubicacion-horas\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">P\u00f3ngase en contacto con nosotros<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/p>","protected":false},"excerpt":{"rendered":"<p>North Shore Trust and Savings, is here to guide you through the essentials of securing a mortgage. Whether you&#8217;re a first-time homebuyer or looking to refinance, understanding the do&#8217;s and don&#8217;ts of mortgages can make the process smoother and less stressful.<\/p>","protected":false},"author":1,"featured_media":6802,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-5614","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homes-mortgages"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Back to School with North Shore Trust and Savings: Your Mortgage 101 Guide<\/title>\n<meta name=\"description\" content=\"North Shore Trust and Savings is here to guide you through the essentials of securing a mortgage. 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