Las hipotecas para los beneficiarios de DACA ya están disponibles, lo que brinda a esta comunidad igualdad de oportunidades de vivienda.
Clear Lending ofrece programas hipotecarios para la Acción Diferida para los Llegados en la Infancia o los beneficiarios de DACA que tienen un Documento de Autorización de Empleo o una tarjeta EAD que puede ser adecuado para usted.
Los recipientes de DACA tienen una Visa (C33) que se ofrece a los niños que fueron traídos sin Visa a los Estados Unidos por sus padres pero que han estado aquí la mayoría de sus vidas. Muchos de los "niños" que calificaron para este estado están ahora en su edad adulta. DACA se creó como una forma para que los adultos en edad de trabajar obtengan un estado de Visa que les permita trabajar en los EE. UU.
Los requisitos básicos para solicitar un Programa de Préstamo DACA son:
- Prueba de un Documento de Autorización de Empleo (EAD) emitido por los Servicios de Ciudadanía e Inmigración de los Estados Unidos (USCIS) que le permite trabajar en los EE. UU. Si la tarjeta EAD caducará dentro de 1 año y existe un historial de la existencia de renovaciones de estado de residencia anterior. la suscripción puede asumir un empleo continuado más allá de la expiración de la EAD.
- Tiene un SSN válido requerido para validar con la Administración del Seguro Social (SSA).
- Cumple con todos los demás requisitos generales (como los términos y condiciones) que se aplican a los ciudadanos de EE. UU.
Aspectos destacados del programa de préstamos:
• Compre o refinancie préstamos disponibles para propietarios-ocupantes e inversionistas de 1-4 unidades, casas adosadas, condominios aprobados o PUD.
• Compra o refinanciación de viviendas unifamiliares secundarias.
• Financiamiento tradicional hasta el 97% del valor. Se permiten fondos de regalo después de la contribución requerida del prestatario.
• Contribuciones del vendedor permitidas dependiendo del pago inicial y la ocupación.
• No hay restricciones para compradores de vivienda por primera vez.
• Los co-firmantes pueden ayudar a los compradores a calificar para residencias unifamiliares.
• Se aplican límites de préstamo conformes.
Beneficios del programa de préstamos DACA:
• No hay seguro hipotecario para el pago inicial del 20% o más.
• Disponible para comprar segundas viviendas o propiedades de inversión.
• Mayores límites de préstamo en los prestamos convencionales.
• Opciones flexibles de PMI disponibles para préstamos con menos del 20% de pago inicial.
No espere más y averigüe cuánto puede obtener la Aprobación previa.
Ya sea que esté considerando comprar o refinanciar un programa de préstamos DACA existente, Clear Lending puede ayudarlo. Simplemente complete nuestro Formulario de Pre-Aprobación previa encriptado y seguro y nos pondremos en contacto con usted de inmediato para revisar las mejores opciones para usted.
Not all applicants will qualify. This ad is not an offer for a credit extension. Meet with a licensed loan originator for more information, as the programs are available only to qualified borrowers. Program rates, fees, terms, and schedules are subject to change without notice. Not all loans, loan sizes, or products can apply. Loans are subject to borrower qualifications, including income, property appraisal, sufficient equity in the home to meet loan-to-value requirements, and final credit approval. Approvals are subject to subscription guidelines and program guidelines and are subject to change without notice. Some restrictions may apply.
Dear Joan,
I am writing you to say Thank You for making our dream come true. My family and I appreciate all the time and effort that you gave on this journey of helping us towards acquiring our dream house. We thank you for all the phone calls that you made including those at late hours, the letters that you wrote, for helping us with our credit, for all the updates, for taking the time on the negotiation to get the price to a fair point, and for going above and beyond in this process. We will definitely recommend you to anybody that is seeking help in buying their own new home. I am grateful that you were the one by our side during every step of the way.
Many thanks from Fernando and Araceli.
First and foremost I want to thank the entire Clear Lending team for this incredible experience. Joan Gallardo was very professional and honest throughout this whole process. He took the time to explain everything step by step and at any time of day. I am a DACA recipient and that wasn't no issue at all for Mr. Joan to get me a loan for the low rate of 3.875% interest. To me that is amazing and very appreciated because other loan companies told me I was not able to get a interest rate like that because I was a DACA recipient. I highly recommend Clear Lending for DACA recipients because they opened the doors for me so I can accomplish my dreams of purchasing my first home. Patricia was also very attentive to my process and helpful every step of the way. Mrs. Rosa Iraheta was my realtor who helped me look for the home and made sure it met all my expectations. I can't thank you enough for all the time and hard work you and the whole Clear Lending team put for me and my family to be here today in our new home. May God bless you all! And Thank you!
Thanks Joan for you amazing work with our home loan. I still can’t believe I purchased a house for $174,000 and went to closing with $769 besides my $1000 earnest money deposit. I submitted an application online on 10/5/2016 after I read online about VA Programs Clear Lending offered. Next day Joan Gallardo called me and after his applications dept. completed an Pre-Approval, he told me from the start not to worry that he would be able to take care of me. And boy he did! He even negotiated on behalf of my agent with listing agent getting me a large seller contribution. This guy is very knowledgeable and I truly recommend him. Joan my wife and I cannot thank you enough all hard work you have done and no need to say I will refer you my friends. Actually I already sent you my boss. Take good care of Jorge! Thanks Joan.