{"id":1518,"date":"2018-03-16T08:30:03","date_gmt":"2018-03-16T15:30:03","guid":{"rendered":"https:\/\/clackamasdev22.wpengine.com\/?p=1518"},"modified":"2025-10-02T16:59:18","modified_gmt":"2025-10-02T23:59:18","slug":"mortgage-insurance-101","status":"publish","type":"post","link":"https:\/\/www.emboldcu.org\/es\/blog\/financial-education\/mortgage-insurance-101\/","title":{"rendered":"Seguro Hipotecario 101"},"content":{"rendered":"<h2 style=\"color: #003c4d;\"><strong>\u00bfQu\u00e9 es el Seguro Hipotecario?<\/strong><\/h2>\n<p>El seguro hipotecario (MI) es una p\u00f3liza de seguro que protege a los prestamistas cuando hay menos de 20% de capital en una propiedad. Con este seguro, si un prestatario incumple o no paga su hipoteca, el prestamista no sufrir\u00e1 la p\u00e9rdida total. M\u00e1s bien, el prestamista comparte la p\u00e9rdida con el asegurador hipotecario.<\/p>\n<p>Usted paga el MI en el pago mensual de su hipoteca. En el estado de cuenta de su hipoteca, ver\u00e1 un desglose de su pago mensual. Ser\u00eda de la siguiente manera. Capital, Intereses, Impuestos y Seguros (PITI) y luego esa pieza final es su MI.<\/p>\n<p>El seguro hipotecario no debe confundirse con el seguro de propietario de vivienda. MI protege al prestamista. El seguro de hogar te protege.<\/p>\n<h2 style=\"color: #003c4d;\"><strong>\u00bfTengo que contratar un Seguro Hipotecario?<\/strong><\/h2>\n<p>Independientemente de la cantidad de capital que deposite en la compra, si obtiene un pr\u00e9stamo de la Administraci\u00f3n Federal de Vivienda (FHA), siempre tendr\u00e1 MI hasta que pague la hipoteca o refinancie con el pr\u00e9stamo de la FHA. Adem\u00e1s, en la mayor\u00eda de los casos, si obtiene financiamiento convencional sin capital 20% en la propiedad, necesitar\u00e1 tener MI.<\/p>\n<h2 style=\"color: #003c4d;\"><strong>\u00bfCuanto cuesta?<\/strong><\/h2>\n<p>El precio de MI se basa en su perfil de cr\u00e9dito y capital. Cuanto mayor sea su puntaje de cr\u00e9dito, menor ser\u00e1 su MI. El monto del pago inicial o el capital que tendr\u00e1 en la propiedad tambi\u00e9n juega un papel en el c\u00e1lculo de su pago MI. Si est\u00e1 comprando y coloca 3%, su MI ser\u00e1 m\u00e1s alto que si coloca 5, 10 o 15%.<\/p>\n<h2 style=\"color: #003c4d;\"><strong>\u00bfC\u00f3mo doy por terminado mi Seguro Hipotecario?<\/strong><\/h2>\n<p>Si tiene un pr\u00e9stamo de la FHA, tendr\u00e1 que refinanciar con una hipoteca convencional para sacar su MI de su hipoteca. Por lo general, con un pr\u00e9stamo convencional, despu\u00e9s de que haya pagado su MI durante 60 meses y su pr\u00e9stamo llegue a 78% pr\u00e9stamo a valor (LTV) del valor de tasaci\u00f3n original, el MI se cancelar\u00e1 autom\u00e1ticamente.<\/p>\n<p>Si el valor de mercado de su casa aumenta r\u00e1pidamente despu\u00e9s de comprar su casa y ha pagado un m\u00ednimo de dos a\u00f1os de pagos de hipoteca actuales y el LTV es 78% o menos del valor de tasaci\u00f3n original, puede solicitar la terminaci\u00f3n de su MI. El administrador de su pr\u00e9stamo le permitir\u00e1 solicitar una tasaci\u00f3n o lo har\u00e1 en su nombre.<\/p>\n<p>\u00bfTienes m\u00e1s preguntas sobre tu Seguro Hipotecario? Hable con uno de nuestros expertos en hipotecas haciendo clic\u00a0<a href=\"https:\/\/www.emboldcu.org\/es\/contact-mortgage-department\/\">aqu\u00ed<\/a>.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 es el Seguro Hipotecario? El seguro hipotecario (MI) es una p\u00f3liza de seguro que protege a los prestamistas cuando hay menos de 20% de capital en una propiedad. Con este seguro, si un prestatario... <a href=\"https:\/\/www.emboldcu.org\/es\/blog\/financial-education\/mortgage-insurance-101\/\">Lee mas<\/a><\/p>","protected":false},"author":9,"featured_media":1519,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[14],"tags":[],"class_list":["post-1518","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-financial-education"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mortgage Insurance 101 - Clackamas Federal Credit Union<\/title>\n<meta name=\"description\" content=\"Mortgage Insurance (MI) is an insurance policy that protects lenders when there is less than 20% equity in a property. 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With this insurance, if a borrower defaults or fails to pay their mortgage, the lender will not suffer the complete loss. 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