{"id":5687,"date":"2024-09-09T12:50:00","date_gmt":"2024-09-09T17:50:00","guid":{"rendered":"https:\/\/www.northshoretrust.com\/?p=5687"},"modified":"2026-05-27T11:28:56","modified_gmt":"2026-05-27T16:28:56","slug":"preguntandose-si-un-ano-electoral-es-un-buen-momento-para-refinanciar-o-comprar-una-vivienda","status":"publish","type":"post","link":"https:\/\/www.northshoretrust.com\/es\/2024\/09\/09\/wondering-if-an-election-year-is-a-good-time-to-refinance-or-buy-a-home\/","title":{"rendered":"\u00bfSe pregunta si un a\u00f1o electoral es un buen momento para refinanciar o comprar una vivienda?"},"content":{"rendered":"<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-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-image-element\" style=\"--awb-aspect-ratio:3 \/ 1;--awb-object-position:47% 49%;--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 has-aspect-ratio\"><img decoding=\"async\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" data-orig-src=\"https:\/\/www.myoakleaf.com\/wp-content\/uploads\/2024\/09\/OLCM_MiniatureHomeWithFlag.jpg\" class=\"lazyload img-responsive img-with-aspect-ratio\" data-parent-fit=\"cover\" data-parent-container=\".fusion-image-element\" alt \/><\/span><\/div><div class=\"fusion-text fusion-text-1\"><p>At North Shore Trust and Savings, we understand that making decisions about buying a home or refinancing your current mortgage is a significant step. With an extensive array of mortgage programs, we cater to a variety of homebuyers and property investors, ensuring that we can meet diverse financial situations, preferences, and goals. As we enter an election year, there\u2019s no better time to take advantage of the unique opportunities in the housing market. Here\u2019s why this might be the perfect time for you to act.<\/p>\n<\/div><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;border-color:#e0dede;border-top-width:1px;\"><\/div><\/div><\/div><\/div><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-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><b>1. Aproveche los tipos de inter\u00e9s m\u00e1s bajos<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-2\"><p>Los a\u00f1os electorales suelen traer consigo una sensaci\u00f3n de cautela en la econom\u00eda. La Reserva Federal y las entidades gubernamentales suelen ser cautelosas a la hora de realizar cambios significativos en los tipos de inter\u00e9s para mantener la estabilidad econ\u00f3mica durante este periodo. Esta cautela puede traducirse en tipos de inter\u00e9s m\u00e1s bajos o estables, por lo que es un momento ideal para asegurar una hipoteca para su nueva casa o refinanciar su pr\u00e9stamo existente a un tipo mejor. Unos tipos m\u00e1s bajos significan que potencialmente podr\u00eda ahorrar miles de d\u00f3lares durante la vida de su hipoteca, o reducir sus pagos mensuales, liberando efectivo para otras necesidades.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><b>2. La estabilidad del mercado crea oportunidades<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-3\"><p>Durante un a\u00f1o electoral, el mercado inmobiliario puede volverse m\u00e1s predecible, con menos fluctuaciones dr\u00e1sticas en los precios de la vivienda y los tipos hipotecarios. Esta estabilidad ofrece una ventana perfecta para que los compradores de vivienda encuentren grandes ofertas y para que los propietarios refinancien con confianza, sabiendo que est\u00e1n tomando una decisi\u00f3n financiera acertada. Tanto si busca opciones hipotecarias tradicionales como programas de pr\u00e9stamos de cartera m\u00e1s especializados, las condiciones actuales del mercado pueden ayudarle a conseguir condiciones favorables.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><strong>3. Desbloquear el capital con una refinanciaci\u00f3n en efectivo<\/strong><\/h3><\/div><div class=\"fusion-text fusion-text-4\"><p>Si el valor de su vivienda se ha revalorizado, ahora puede ser el momento perfecto para plantearse una refinanciaci\u00f3n en efectivo. Esta opci\u00f3n le permite aprovechar el patrimonio neto de su vivienda, d\u00e1ndole acceso a fondos que puede utilizar para gastos importantes como mejoras en la vivienda, pagar deudas con intereses elevados o incluso invertir en otra propiedad. Gracias a nuestra amplia oferta, que incluye programas de pr\u00e9stamos a medida, podemos ayudarle a encontrar la mejor soluci\u00f3n para que su patrimonio neto trabaje para usted.<\/p>\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-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><b>4. Cambiar a un plazo de pr\u00e9stamo m\u00e1s favorable<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-5\"><p>Refinancing during an election year is also an excellent opportunity to reevaluate your loan term. Whether you&#8217;re interested in shortening your term to pay off your mortgage faster or extending it to reduce monthly payments, North Shore Trust and Savings has a variety of options to suit your needs. Shorter loan terms can help you build equity more quickly, while extending your term can provide relief by lowering your payments, giving you more financial flexibility.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><strong>5. Asegure su futuro financiero con pagos predecibles<\/strong><\/h3><\/div><div class=\"fusion-text fusion-text-6\"><p>Si actualmente tiene una hipoteca de tipo variable (ARM) y le preocupa la posibilidad de que suban los tipos de inter\u00e9s en el futuro, la refinanciaci\u00f3n a una hipoteca de tipo fijo durante este periodo estable puede proporcionarle tranquilidad. Las hipotecas a tipo fijo ofrecen la seguridad de saber que el pago se mantendr\u00e1 constante durante toda la vida del pr\u00e9stamo, lo que le ayudar\u00e1 a presupuestar y planificar el futuro con mayor eficacia.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-6 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><strong>6. Aprovechar al m\u00e1ximo las posibles ventajas fiscales<\/strong><\/h3><\/div><div class=\"fusion-text fusion-text-7\"><p>Los a\u00f1os electorales suelen traer consigo debates sobre posibles reformas fiscales. Al refinanciar o comprar una casa ahora, puede aprovechar las deducciones de intereses hipotecarios existentes y otros beneficios fiscales antes de que se produzca cualquier cambio.<\/p>\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-padding-bottom:55px;--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%;\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><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;border-color:#e0dede;border-top-width:1px;\"><\/div><\/div><div class=\"fusion-title title fusion-title-7 fusion-sep-none fusion-title-text fusion-title-size-three\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h3 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\"><b>P\u00f3ngase en contacto con nosotros para una evaluaci\u00f3n gratuita de su hipoteca<\/b><\/h3><\/div><div class=\"fusion-text fusion-text-8\"><p>Whether you\u2019re looking to purchase a new home or refinance your current mortgage, North Shore Trust and Savings is here to help. With the unique opportunities that an election year provides, there\u2019s no better time to secure your financial future.<\/p>\n<\/div><div class=\"fusion-title title fusion-title-8 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-margin-top-small:0px;--awb-margin-right-small:0px;--awb-margin-bottom-small:20px;--awb-margin-left-small:0px;\"><h4 class=\"fusion-title-heading title-heading-left\" style=\"margin:0;\">P\u00f3ngase en contacto con nosotros hoy mismo para una evaluaci\u00f3n hipotecaria gratuita. Perm\u00edtanos ayudarle a navegar el proceso hipotecario con confianza, asegurando que usted tome las decisiones m\u00e1s informadas para sus metas financieras durante este momento crucial.<\/h4><\/div><div ><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>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":5684,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[13],"tags":[],"class_list":["post-5687","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>Wondering if an Election Year is a Good Time to Refinance or Buy a Home? - North Shore Trust and Savings<\/title>\n<meta name=\"description\" content=\"Explore why an election year is the perfect time to refinance or buy a home. 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