Programs for Buyers<\/title>\n<style>\n #countdown {\n color: #000000;\n font-size: 12pt;\n }\n .languageText {\n color: black;\n font-size: 12pt;\n cursor: pointer;\n }\n .languageText:hover {\n color: #9D072B;\n }\n<\/style>\n<\/head>\n<body>\n<strong><span id=\"titleText\" style=\"color: #000000; font-size: 18pt;\">Programas para compradores<\/span><\/strong><br>\n<span style=\"font-size: 12pt;\">\n <span style=\"margin-bottom: 2px; color: black; font-size: 12pt;\">Translate to <\/span>\n <span id=\"englishText\" class=\"languageText\" onmouseover=\"this.style.color='#9D072B';\" onmouseout=\"this.style.color='black';\" onclick=\"toggle('english')\">English<\/span>\n <span> | <\/span>\n <span style=\"margin-bottom: 2px; color: black; font-size: 12pt;\">Traducir al <\/span>\n <span id=\"spanishText\" class=\"languageText\" onmouseover=\"this.style.color='#9D072B';\" onmouseout=\"this.style.color='black';\" onclick=\"toggle('spanish')\">Espa\u00f1ol<\/span>\n<\/span>\n\n<div id=\"englishCode\" style=\"display:block;\">\n <p><span style=\"display: block; margin-top: 12px;\"><\/span>\n<\/head>\n<body>\n<div id=\"rbotones_\">\n <div id=\"rbotones\" style=\"margin-right: -30px!important;margin-top:0px;margin-bottom: 15px;float: none;\" class=\"row\">\n <div class=\"col-xs-12 row\" style=\"padding-right: 0px;\">\n <div class=\"row botones\" style=\"padding-left: 15px;padding-right: 15px;margin-left: 0px!important;margin-right: 15px!important;display: inline-flex;flex-direction: row-reverse;\">\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnVA_en\" class=\"btn blanquito gg\" onclick=\"showContent('VA_en', 'btnVA_en')\">VA<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnUSDA_en\" class=\"btn blanquito gg\" onclick=\"showContent('USDA_en', 'btnUSDA_en')\">USDA<\/button>\n <\/div>\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnConventional_en\" class=\"btn blanquito gg\" onclick=\"showContent('Conventional_en', 'btnConventional_en')\">Conventional<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnITIN_en\" class=\"btn blanquito gg\" onclick=\"showContent('ITIN_en', 'btnITIN_en')\">ITIN<\/button>\n <\/div>\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnCalHFA_en\" class=\"btn blanquito gg\" onclick=\"showContent('CalHFA_en', 'btnCalHFA_en')\">CalHFA<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnFHA_en\" class=\"btn rojito gg\" onclick=\"showContent('FHA_en', 'btnFHA_en')\">FHA<\/button>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<div id=\"content_VA_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">The VA loan program offers financing to eligible veterans and service members, allowing them to buy a home with a 0% down payment, competitive interest rates, flexible credit requirements, low closing costs, and the backing of the U.S. Department of Veterans Affairs.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the VA program:<\/span>\n <ul>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Demonstrate stable and sufficient income to afford mortgage payments.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 620, although standards can vary by lender.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Meet the minimum service requirements set by the Department of Veterans Affairs (VA).<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Obtain a COE to demonstrate eligibility for the VA loan program.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_USDA_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">The USDA home loan program facilitates home ownership by offering low to moderate-income individuals the opportunity to purchase homes with 0% down payment in designated rural areas. With competitive interest rates and flexible credit requirements, USDA loans provide accessible financing options, making the dream of homeownership a reality for many.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the USDA program:<\/span>\n <ul>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 640.<\/span><\/li>\n\t\t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">The property you intend to purchase must be located in a <a style=\"text-decoration: underline; border-bottom: 1px solid transparent; white-space: nowrap; font-size: 16px;\" href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/welcomeAction.do?pageAction=rbs\" target=\"_blank\">designated rural area<\/a>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_Conventional_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">The conventional program offers a mortgage provided by private lenders, requiring a higher credit score but providing flexibility for different homebuyers and properties, with a minimum down payment of 3%.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the Conventional program:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 620.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Down payment of 3% or greater is required; for example, to buy a home priced at \u200e <input type=\"text\" id=\"homePriceInputConventional\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, you would need to provide a down payment of <span class=\"downPaymentOutputConventional1\">$12,000<\/span>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_ITIN_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">This program is designed to assist individuals with ITIN, requiring a 10% down payment and offering opportunities to those without a Social Security number who are looking to become homeowners. The program aims to empower individuals to achieve their dream of owning a home, thereby promoting financial stability and inclusion within the community.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the ITIN program:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 640; if the applicant has no credit history, they can provide 2 alternatives with punctual payments and demonstrate a documented rental history of 12 months.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Down payment of 10% or greater is required; for example, to buy a home priced at \u200e <input type=\"text\" id=\"homePriceInputITIN\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, you would need to provide a down payment of <span class=\"downPaymentOutputITIN1\">$40,000<\/span>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_California Dream_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">The \"California Dream For All\" program helps first-time buyers cover 20% of the home's cost as a down payment. Upon selling, the state recovers 15% to 20% of the appreciation cost of the home (according to income), using those funds to assist other future buyers. This program works on a lottery basis. This means that applicants' names are randomly drawn to determine who will receive the benefits. There's a chance you may or may not receive assistance.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt; margin-bottom: 0;\">This program will be available on April 1st, 2024<\/span>\n\t<span style=\"color: #000000; font-size: 12pt; margin-bottom: 0;\"><span id=\"countdown1\" style=\"display: block;\"><\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the California Dream program:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Only first-time buyers may qualify; if your parents own a home, you're not eligible.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 680.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Completion of two levels of educational counseling and obtaining a certificate from an approved organization.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">You can only refinance once; if you refinance more than once, you'll need to repay the 20% assistance provided.<\/span><\/li>\n\t<span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<\/ul>\n\t<span style=\"color: #000000; font-size: 12pt;\">*IMPORTANT: When you sell or transfer the home, the state will recover 20% of the down payment they assisted you with, plus 15%-20% of the appreciation of the home, depending on your income. For example, if you buy a home for \u200e<input type=\"text\" id=\"homePriceInputCaliforniaDream\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, and receive down payment assistance of <span class=\"downPaymentOutputCaliforniaDream1\">$80,000<\/span> from the state, and later you decide to sell your home for <span id=\"sellingPriceOutputCaliforniaDream1\">$500,000<\/span>, which means your home has an appreciation of $100,000, the state will recover 20% of the appreciation of your home, which in this case is $20,000 plus the <span class=\"downPaymentOutputCaliforniaDream2\">$80,000<\/span> they initially provided. In this example, the state would recover up to <span class=\"downPaymentOutputCaliforniaDream3\">$100,000<\/span> from you when you sell or transfer the home.<\/span>\n\t<span style=\"display: block; margin-top: 12px;\"><\/span>\n <\/ul>\n<\/div>\n<div id=\"content_CalHFA_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">The CalHFA program assists new buyers with the down payment and closing costs when purchasing a home, with a limit of up to 3.5% of the purchase price or appraised value. Additionally, it offers competitive interest rates and aims to facilitate homeownership for low to moderate-income families.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the CalHFA program:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 680.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Completion of an educational counseling course and obtaining a certificate from an approved organization.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_FHA_en\">\n <span style=\"color: #000000; font-size: 12pt;\">The FHA program provides government-backed loans to first-time homebuyers, enabling them to purchase a home with reduced down payments and flexible qualification criteria. By offering accessible financing options, the program aims to support individuals in achieving homeownership despite limited financial resources or credit history.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the FHA program:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">If credit score is above 580.<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Down payment of 3.5% or greater is required; for example, to buy a home priced at \u200e <input type=\"text\" id=\"homePriceInput\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, you would need to provide a down payment of <span class=\"downPaymentOutputFHA1\">$14,000<\/span>.<\/span><\/li>\n <\/ul>\n <\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">If credit score is between 500 & 579.<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Down payment of 10% or greater is required; for example, to buy a home priced at \u200e <input type=\"text\" id=\"homePriceInput\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, you would need to provide a down payment of <span class=\"downPaymentOutputFHA2\">$40,000<\/span>.<\/span><\/li>\n <\/ul>\n <\/li>\n <\/ul>\n<\/div>\n\n<span style=\"color: #000000; font-size: 12pt;\">*Additional requirements exist beyond the list provided. It's important to note that the information provided here is an estimate and subject to change without prior notice. While we strive for accuracy, we cannot guarantee that the list is entirely precise. We advise consulting with us directly for the most up-to-date and accurate information regarding your specific circumstances or needs.<\/span>\n\n<script>\n\/\/ Function to toggle between English and Spanish content\nfunction toggleLanguage() {\n var englishContent = document.getElementById('englishContent');\n var spanishContent = document.getElementById('spanishContent');\n var englishLink = document.getElementById('englishLink');\n var spanishLink = document.getElementById('spanishLink');\n\n if (englishContent.style.display === 'none') {\n englishContent.style.display = 'block';\n spanishContent.style.display = 'none';\n englishLink.innerText = 'English';\n spanishLink.innerText = 'Espa\u00f1ol';\n translateButtons('English');\n } else {\n englishContent.style.display = 'none';\n spanishContent.style.display = 'block';\n englishLink.innerText = 'Ingl\u00e9s';\n spanishLink.innerText = 'Spanish';\n translateButtons('Espa\u00f1ol');\n }\n}\n\n\/\/ Function to translate button text\nfunction translateButtons(language) {\n var buttons = document.querySelectorAll('.btn');\n if (language === 'English') {\n buttons.forEach(function(button) {\n switch (button.id) {\n case 'btnVA':\n button.innerText = 'VA';\n break;\n case 'btnUSDA':\n button.innerText = 'USDA';\n break;\n case 'btnConventional':\n button.innerText = 'Conventional';\n break;\n case 'btnITIN':\n button.innerText = 'ITIN';\n break;\n case 'btnCalifornia':\n button.innerText = 'California Dream';\n break;\n case 'btnCalHFA':\n button.innerText = 'CalHFA';\n break;\n case 'btnFHA':\n button.innerText = 'FHA';\n break;\n default:\n break;\n }\n });\n } else {\n buttons.forEach(function(button) {\n switch (button.id) {\n case 'btnVA':\n button.innerText = 'VA';\n break;\n case 'btnUSDA':\n button.innerText = 'USDA';\n break;\n case 'btnConventional':\n button.innerText = 'Convencional';\n break;\n case 'btnITIN':\n button.innerText = 'ITIN';\n break;\n case 'btnCalifornia':\n button.innerText = 'Sue\u00f1o Californiano';\n break;\n case 'btnCalHFA':\n button.innerText = 'CalHFA';\n break;\n case 'btnFHA':\n button.innerText = 'FHA';\n break;\n default:\n break;\n }\n });\n }\n}\n\n\/\/ Add click event listeners to the language links\ndocument.getElementById('englishLink').addEventListener('click', toggleLanguage);\ndocument.getElementById('spanishLink').addEventListener('click', toggleLanguage);\n\n\/\/ Initial content display\ntoggleLanguage(); \/\/ Display English content by default\n<\/script>\n\n<script>\n function showContent(id, btnId) {\n \/\/ Hide all content elements\n var contentElements = document.querySelectorAll('[id^=\"content_\"]');\n contentElements.forEach(function(element) {\n element.style.display = 'none';\n });\n\n \/\/ Show the selected content element\n var selectedContent = document.getElementById('content_' + id);\n if (selectedContent) {\n selectedContent.style.display = 'block';\n }\n\n \/\/ Reset button styles\n var buttons = document.querySelectorAll('.btn');\n buttons.forEach(function(button) {\n button.className = 'btn blanquito gg';\n });\n\n \/\/ Set selected button style\n var selectedButton = document.getElementById(btnId);\n if (selectedButton) {\n selectedButton.className = 'btn rojito gg';\n }\n }\n\n \/\/ Show FHA content and set its button style as default\n showContent('FHA', 'btnFHA');\n<\/script>\n<\/div>\n\n<div id=\"spanishCode\" style=\"display:none;\">\n <p><span style=\"display: block; margin-top: 12px;\"><\/span>\n<div id=\"rbotones_\">\n <div id=\"rbotones\" style=\"margin-right: -30px!important;margin-top:0px;margin-bottom: 15px;float: none;\" class=\"row\">\n <div class=\"col-xs-12 row\" style=\"padding-right: 0px;\">\n <div class=\"row botones\" style=\"padding-left: 15px;padding-right: 15px;margin-left: 0px!important;margin-right: 15px!important;display: inline-flex;flex-direction: row-reverse;\">\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnVA\" class=\"btn blanquito gg\" onclick=\"showContent('VA', 'btnVA')\">VA<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnUSDA\" class=\"btn blanquito gg\" onclick=\"showContent('USDA', 'btnUSDA')\">USDA<\/button>\n <\/div>\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnConventional\" class=\"btn blanquito gg\" onclick=\"showContent('Conventional', 'btnConventional')\">Convencional<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnITIN\" class=\"btn blanquito gg\" onclick=\"showContent('ITIN', 'btnITIN')\">ITIN<\/button>\n <\/div>\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnCalHFA\" class=\"btn blanquito gg\" onclick=\"showContent('CalHFA', 'btnCalHFA')\">CalHFA<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnFHA\" class=\"btn rojito gg\" onclick=\"showContent('FHA', 'btnFHA')\">FHA<\/button>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<div id=\"content_VA\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa de VA ofrece financiamiento a veteranos elegibles y miembros del servicio, permiti\u00e9ndoles comprar casa con un enganche del 0%, tasas de inter\u00e9s competitivas, requisitos de cr\u00e9dito flexibles, costos de cierre bajos y el respaldo del Departamento de Asuntos de Veteranos de los Estados Unidos. .<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa VA:<\/span>\n <ul>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de utilizar la propiedad como su residencia principal.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Demostrar ingresos estables y suficientes para poder pagar las cuotas hipotecarias.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntuaci\u00f3n de cr\u00e9dito superior a 620, aunque los est\u00e1ndares pueden variar seg\u00fan el prestamista.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Cumplir con los requisitos m\u00ednimos de servicio establecidos por el Departamento de Asuntos de Veteranos (VA).<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Obtener un COE para demostrar la elegibilidad para el programa de pr\u00e9stamos VA.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_USDA\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa del USDA facilita la compra de casa al ofrecer a personas con ingresos bajos o moderados la oportunidad de comprar casa con el 0% de enganche en \u00e1reas rurales designadas. Con tasas de inter\u00e9s competitivas y requisitos de cr\u00e9dito flexibles, los pr\u00e9stamos del USDA brindan opciones de financiamiento accesibles, haciendo realidad el sue\u00f1o de ser due\u00f1o de casa para muchos.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa USDA:<\/span>\n <ul>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de utilizar la propiedad como su residencia principal.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntuaci\u00f3n de cr\u00e9dito superior a 640.<\/span><\/li>\n\t\t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">La propiedad que planea comprar debe estar ubicada en una <a style=\"text-decoration: underline; border-bottom: 1px solid transparent;\" href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/welcomeAction.do?pageAction=rbs\" target=\"_blank\">\u00e1rea rural designada<span style=\"font-size: 16px;\"> <\/span><\/a>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_Conventional\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa convencional ofrece un pr\u00e9stamo proporcionado por prestamistas privados, requiriendo un puntaje de cr\u00e9dito m\u00e1s alto pero con m\u00e1s flexibilidad para diferentes compradores, con un enganche m\u00ednimo del 3%.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa convencional:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntaje de cr\u00e9dito superior a 620.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Se requiere un enganche del 3% o m\u00e1s; por ejemplo, para comprar una casa con un precio de \u200e <input type=\"text\" id=\"homePriceInputConventional\" class=\"homePriceInput\" placeholder=\"Precio de la casa\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, necesitar\u00edas dar un enganche de <span class=\"downPaymentOutputConventional2\">$12,000<\/span>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_ITIN\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">Este programa est\u00e1 dise\u00f1ado para ayudar a personas con ITIN, requiriendo un enganche del 10% y ofreciendo oportunidades a aquellas personas sin n\u00famero de Seguro Social que buscan ser due\u00f1os de casa. El programa tiene como objetivo capacitar a las personas para que logren su sue\u00f1o de ser due\u00f1os de casa, promoviendo as\u00ed la estabilidad financiera e inclusi\u00f3n dentro de la comunidad.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa ITIN:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de usar la propiedad como residencia principal.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntaje de cr\u00e9dito superior a 640; Si el solicitante no tiene historial de cr\u00e9dito, pueden dar 2 alternativas con pagos puntuales y demostrar un historial de alquiler documentado de 12 meses.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Se requiere un enganche del 10% o m\u00e1s; por ejemplo, para comprar una casa con un precio de \u200e <input type=\"text\" id=\"homePriceInputITIN\" class=\"homePriceInput\" placeholder=\"Precio de la casa\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, necesitar\u00edas dar un enganche de <span class=\"downPaymentOutputITIN2\">$40,000<\/span>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_California Dream\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa "Sue\u00f1o Californiano" ayuda a primeros compradores a cubrir el 20% del costo de la casa como enganche. Este programa funciona en base a una loter\u00eda. Esto significa que los nombres de los solicitantes se eligen al azar para determinar qui\u00e9n recibir\u00e1 los beneficios. Existe la posibilidad de que puedas o no puedas recibir esta asistencia.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt; margin-bottom: 0;\">Este programa estar\u00e1 disponible el 1 de abril del 2024.<\/span>\n\t<span style=\"color: #000000; font-size: 12pt; margin-bottom: 0;\"><span id=\"countdown2\" style=\"display: block;\"><\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa Sue\u00f1o Californiano:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de utilizar la propiedad como su residencia principal.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Solo los primeros compradores pueden calificar; si sus padres son due\u00f1os de una casa, no eres elegible.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntuaci\u00f3n de cr\u00e9dito superior a 680.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Completar dos niveles de asesoramiento educativo y obtener un certificado de una organizaci\u00f3n aprobada.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Solo puedes refinanciar una vez; Si refinancias m\u00e1s de una vez, deber\u00e1s devolver la asistencia del 20% proporcionada.<\/span><\/li>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<\/ul>\n\t<span style=\"color: #000000; font-size: 12pt;\">*IMPORTANTE: Al momento de que usted venda o transfiera la casa, el estado recuperar\u00e1 el 20% del enganche que les hab\u00eda dado, m\u00e1s el 15%-20% de la apreciaci\u00f3n de la casa, dependiendo de sus ingresos. Por ejemplo, si usted compra una casa por \u200e<input type=\"text\" id=\"homePriceInputCaliforniaDream\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, y recibe del estado <span class=\"downPaymentOutputCaliforniaDream4\">$80,000<\/span> de asistencia para el enganche, y m\u00e1s adelante vende su casa por <span id=\"sellingPriceOutputCaliforniaDream2\">$500,000<\/span>, lo que significa que su casa tiene una apreciaci\u00f3n de $100,000, el estado recuperar\u00e1 el 20% de la apreciaci\u00f3n de su casa, que en este caso son $20,000 m\u00e1s los <span class=\"downPaymentOutputCaliforniaDream5\">$80,000<\/span> que les dio inicialmente. En este ejemplo, el estado recuperar\u00eda hasta <span class=\"downPaymentOutputCaliforniaDream6\">$100,000<\/span> de usted cuando venda o transfiera la casa.<\/span>\n\t<span style=\"display: block; margin-top: 12px;\"><\/span>\n <\/ul> \n<\/div>\n<div id=\"content_CalHFA\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa CalHFA ayuda a nuevos compradores con el enganche y los costos de cierre al comprar una casa, con un l\u00edmite de hasta el 3.5% del precio de la compra de la casa. Adem\u00e1s, ofrece tasas de inter\u00e9s competitivas y con el prop\u00f3sito de hacer m\u00e1s accesible la compra de casa para familias de ingresos bajos a moderados.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa CalHFA:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de utilizar la propiedad como su residencia principal.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntuaci\u00f3n de cr\u00e9dito superior a 680.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Completar un curso de asesoramiento educativo y obtener un certificado de una organizaci\u00f3n aprobada.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_FHA\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa FHA ayuda a primeros compradores al ofrecerles pr\u00e9stamos respaldados por el gobierno. Esto les permite comprar una casa con un enganche peque\u00f1o y criterios de calificaci\u00f3n flexibles. Su objetivo es apoyar a las personas para que puedan convertirse en due\u00f1os de casa, aunque cuenten con recursos financieros limitados o tengan un historial de cr\u00e9dito menos favorable.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa FHA:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de utilizar la propiedad como su residencia principal.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Si la puntuaci\u00f3n de cr\u00e9dito es superior a 580.<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Se requiere un enganche del 3.5% o m\u00e1s; por ejemplo, para comprar una casa con un precio de \u200e <input type=\"text\" id=\"homePriceInput2\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, necesitar\u00edas dar un enganche de <span class=\"downPaymentOutputFHA3\">$14,000<\/span>.<\/span><\/li>\n <\/ul>\n <\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Si la puntuaci\u00f3n de cr\u00e9dito est\u00e1 entre 500 y 579.<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Se requiere un enganche del 10% o m\u00e1s; por ejemplo, para comprar una casa con un precio de \u200e <input type=\"text\" id=\"homePriceInput1\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, necesitar\u00edas dar un enganche de <span class=\"downPaymentOutputFHA4\">$40,000<\/span>.<\/span><\/li>\n <\/ul>\n <\/li>\n <\/ul>\n<\/div>\n\n<span style=\"color: #000000; font-size: 12pt;\">*Existen requisitos adicionales m\u00e1s all\u00e1 de la lista proporcionada. Es importante tener en cuenta que la informaci\u00f3n aqu\u00ed es una estimaci\u00f3n y est\u00e1 sujeta a cambios sin avisos previos. Si bien nos esforzamos por la precisi\u00f3n, no podemos garantizar que la lista sea completamente precisa. Recomendamos consultar directamente con nosotros para obtener la informaci\u00f3n m\u00e1s actualizada y precisa sobre sus circunstancias o necesidades espec\u00edficas.<\/span>\n\n<script>\n\/\/ Set the target date for the countdown (April 1, 2024)\nconst targetDate = new Date('April 1, 2024 00:00:00').getTime();\n\n\/\/ Update the countdown every second\nconst countdownInterval = setInterval(updateCountdown, 1000);\n\nfunction updateCountdown() {\n \/\/ Get the current date and time\n const currentDate = new Date().getTime();\n \n \/\/ Calculate the remaining time\n const remainingTime = targetDate - currentDate;\n \n \/\/ Calculate the remaining months, days, hours, minutes, and seconds\n const months = Math.floor(remainingTime \/ (1000 * 60 * 60 * 24 * 30));\n const days = Math.floor((remainingTime % (1000 * 60 * 60 * 24 * 30)) \/ (1000 * 60 * 60 * 24));\n const hours = Math.floor((remainingTime % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n const minutes = Math.floor((remainingTime % (1000 * 60 * 60)) \/ (1000 * 60));\n const seconds = Math.floor((remainingTime % (1000 * 60)) \/ 1000);\n \n \/\/ Construct the countdown text for countdown1 (English)\n let countdownText1 = ``;\n if (months !== 0) {\n countdownText1 += `${months} ${months === 1 ? 'month' : 'months'}, `;\n }\n if (days !== 0) {\n countdownText1 += `${days} ${days === 1 ? 'day' : 'days'}, `;\n }\n if (hours !== 0) {\n countdownText1 += `${hours} ${hours === 1 ? 'hour' : 'hours'}, `;\n }\n if (minutes !== 0) {\n countdownText1 += `${minutes} ${minutes === 1 ? 'minute' : 'minutes'}, `;\n }\n countdownText1 += `${seconds} ${seconds === 1 ? 'second' : 'seconds'}`;\n\n \/\/ Construct the countdown text for countdown2 (Spanish)\n let countdownText2 = ``;\n if (months !== 0) {\n countdownText2 += `${months} ${months === 1 ? 'mes' : 'meses'}, `;\n }\n if (days !== 0) {\n countdownText2 += `${days} ${days === 1 ? 'd\u00eda' : 'd\u00edas'}, `;\n }\n if (hours !== 0) {\n countdownText2 += `${hours} ${hours === 1 ? 'hora' : 'horas'}, `;\n }\n if (minutes !== 0) {\n countdownText2 += `${minutes} ${minutes === 1 ? 'minuto' : 'minutos'}, `;\n }\n countdownText2 += `${seconds} ${seconds === 1 ? 'segundo' : 'segundos'}`;\n\n \/\/ Display the countdown in countdown1 and countdown2\n const countdownElement1 = document.getElementById('countdown1');\n const countdownElement2 = document.getElementById('countdown2');\n countdownElement1.innerHTML = countdownText1;\n countdownElement2.innerHTML = countdownText2;\n \n \/\/ If the countdown is over, stop updating it\n if (remainingTime <= 0) {\n clearInterval(countdownInterval);\n countdownElement1.innerHTML = 'The program is now available!';\n countdownElement2.innerHTML = '\u00a1El programa ya est\u00e1 disponible!';\n }\n} \n\n\/\/ Call updateCountdown immediately after the page loads\nupdateCountdown();\n<\/script>\n\n<\/script>\n\n<\/script>\n\n<script>\n var homePriceInputs = document.querySelectorAll('.homePriceInput, .homePriceInput_en');\n for (var i = 0; i < homePriceInputs.length; i++) {\n homePriceInputs[i].addEventListener('input', function () {\n var homePriceStr = this.value.replace(\/[^\\d.]\/g, \"\"); \/\/ Remove non-numeric characters except for periods\n var homePrice = parseFloat(homePriceStr);\n if (!isNaN(homePrice)) {\n var formattedPrice = '$' + numberWithCommas(Math.floor(homePrice));\n for (var j = 0; j < homePriceInputs.length; j++) {\n homePriceInputs[j].value = formattedPrice;\n }\n updateDownPayment(homePrice);\n }\n });\n }\n\n function numberWithCommas(x) {\n return x.toString().replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \",\");\n }\n\n function updateDownPayment(homePrice) {\n var downPaymentPercentages = {\n \"FHA1\": 0.035,\n \"FHA2\": 0.1,\n \"FHA3\": 0.035,\n \"FHA4\": 0.1,\n \"CaliforniaDream1\": 0.2,\n \"CaliforniaDream2\": 0.2,\n \"CaliforniaDream3\": 0.2,\n \"CaliforniaDream4\": 0.2,\n \"CaliforniaDream5\": 0.2,\n \"CaliforniaDream6\": 0.2,\n \"ITIN1\": 0.1,\n \"ITIN2\": 0.1,\n \"Conventional1\": 0.03,\n \"Conventional2\": 0.03\n };\n\n for (var key in downPaymentPercentages) {\n var downPaymentOutput = document.querySelector('.downPaymentOutput' + key);\n if (downPaymentOutput) {\n var downPayment = homePrice * downPaymentPercentages[key];\n downPaymentOutput.textContent = '$' + numberWithCommas(Math.floor(downPayment));\n }\n }\n\n \/\/ Calculate and update CaliforniaDream3 separately\n var downPaymentOutputCaliforniaDream3 = document.querySelector('.downPaymentOutputCaliforniaDream3');\n if (downPaymentOutputCaliforniaDream3) {\n var downPaymentCaliforniaDream3 = homePrice * downPaymentPercentages[\"CaliforniaDream3\"] + 20000;\n downPaymentOutputCaliforniaDream3.textContent = '$' + numberWithCommas(Math.floor(downPaymentCaliforniaDream3));\n }\n\n \/\/ Calculate and update CaliforniaDream6 separately\n var downPaymentOutputCaliforniaDream6 = document.querySelector('.downPaymentOutputCaliforniaDream6');\n if (downPaymentOutputCaliforniaDream6) {\n var downPaymentCaliforniaDream6 = homePrice * downPaymentPercentages[\"CaliforniaDream6\"] + 20000;\n downPaymentOutputCaliforniaDream6.textContent = '$' + numberWithCommas(Math.floor(downPaymentCaliforniaDream6));\n }\n\n \/\/ Calculate and update selling prices\n updateSellingPrice(homePrice);\n }\n\n function updateSellingPrice(homePrice) {\n var sellingPriceOutputCaliforniaDream1 = document.getElementById('sellingPriceOutputCaliforniaDream1');\n if (sellingPriceOutputCaliforniaDream1) {\n var sellingPrice = homePrice + 100000; \/\/ Selling price is home price plus $100,000\n sellingPriceOutputCaliforniaDream1.textContent = '$' + numberWithCommas(Math.floor(sellingPrice));\n }\n\n var sellingPriceOutputCaliforniaDream2 = document.getElementById('sellingPriceOutputCaliforniaDream2');\n if (sellingPriceOutputCaliforniaDream2) {\n var sellingPrice = homePrice + 100000; \/\/ Selling price is home price plus $100,000\n sellingPriceOutputCaliforniaDream2.textContent = '$' + numberWithCommas(Math.floor(sellingPrice));\n }\n }\n<\/script>\n\n<script>\n function showContent(id, btnId) {\n \/\/ Hide all content elements\n var contentElements = document.querySelectorAll('[id^=\"content_\"]');\n contentElements.forEach(function(element) {\n element.style.display = 'none';\n });\n\n \/\/ Show the selected content element\n var selectedContent = document.getElementById('content_' + id);\n if (selectedContent) {\n selectedContent.style.display = 'block';\n }\n\n \/\/ Reset button styles\n var buttons = document.querySelectorAll('.btn');\n buttons.forEach(function(button) {\n button.className = 'btn blanquito gg';\n });\n\n \/\/ Set selected button style\n var selectedButton = document.getElementById(btnId);\n if (selectedButton) {\n selectedButton.className = 'btn rojito gg';\n }\n }\n\n \/\/ Show FHA content and set its button style as default\n showContent('FHA', 'btnFHA');\n<\/script>\n\n<script>\n\nif (window.location.href.includes('\/es\/')) {\n toggle('spanish');\n showContent('FHA', 'btnFHA');\n \/\/ Set the button text to 'VA' regardless of language\n document.getElementById('btnVA_en').innerText = 'VA';\n} else {\n toggle('english');\n showContent('FHA_en', 'btnFHA_en');\n \/\/ Keep the button text as 'VA' in English\n document.getElementById('btnVA_en').innerText = 'VA';\n}\n\nfunction toggle(choice) {\n if (choice === 'english') {\n document.getElementById('englishText').style.fontWeight = 'normal';\n document.getElementById('spanishText').style.fontWeight = 'normal';\n document.getElementById('englishCode').style.display = 'block';\n document.getElementById('spanishCode').style.display = 'none';\n document.getElementById('englishCode').style.display = 'block';\n document.getElementById('spanishCode').style.display = 'none';\n document.getElementById('titleText').innerText = 'Programs for Buyers';\n showContent('FHA_en', 'btnFHA_en');\n } else if (choice === 'spanish') {\n document.getElementById('englishText').style.fontWeight = 'normal';\n document.getElementById('spanishText').style.fontWeight = 'normal';\n document.getElementById('englishCode').style.display = 'none';\n document.getElementById('spanishCode').style.display = 'block';\n document.getElementById('englishCode').style.display = 'none';\n document.getElementById('spanishCode').style.display = 'block';\n document.getElementById('titleText').innerText = 'Programas para Compradores';\n showContent('FHA', 'btnFHA'); \/\/ Show Spanish content when Spanish text is toggled\n }\n}\n\n<\/script>\n\n<\/body>\n<\/html><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/pages\/23739"}],"collection":[{"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/comments?post=23739"}],"version-history":[{"count":372,"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/pages\/23739\/revisions"}],"predecessor-version":[{"id":26067,"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/pages\/23739\/revisions\/26067"}],"wp:attachment":[{"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/media?parent=23739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

\n\t\t\t\t\t

\n\t\t\t\t\t\t\n\n\n\nPrograms for Buyers<\/title>\n<style>\n #countdown {\n color: #000000;\n font-size: 12pt;\n }\n .languageText {\n color: black;\n font-size: 12pt;\n cursor: pointer;\n }\n .languageText:hover {\n color: #9D072B;\n }\n<\/style>\n<\/head>\n<body>\n<strong><span id=\"titleText\" style=\"color: #000000; font-size: 18pt;\">Programas para compradores<\/span><\/strong><br>\n<span style=\"font-size: 12pt;\">\n <span style=\"margin-bottom: 2px; color: black; font-size: 12pt;\">Translate to <\/span>\n <span id=\"englishText\" class=\"languageText\" onmouseover=\"this.style.color='#9D072B';\" onmouseout=\"this.style.color='black';\" onclick=\"toggle('english')\">English<\/span>\n <span> | <\/span>\n <span style=\"margin-bottom: 2px; color: black; font-size: 12pt;\">Traducir al <\/span>\n <span id=\"spanishText\" class=\"languageText\" onmouseover=\"this.style.color='#9D072B';\" onmouseout=\"this.style.color='black';\" onclick=\"toggle('spanish')\">Espa\u00f1ol<\/span>\n<\/span>\n\n<div id=\"englishCode\" style=\"display:block;\">\n <p><span style=\"display: block; margin-top: 12px;\"><\/span>\n<\/head>\n<body>\n<div id=\"rbotones_\">\n <div id=\"rbotones\" style=\"margin-right: -30px!important;margin-top:0px;margin-bottom: 15px;float: none;\" class=\"row\">\n <div class=\"col-xs-12 row\" style=\"padding-right: 0px;\">\n <div class=\"row botones\" style=\"padding-left: 15px;padding-right: 15px;margin-left: 0px!important;margin-right: 15px!important;display: inline-flex;flex-direction: row-reverse;\">\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnVA_en\" class=\"btn blanquito gg\" onclick=\"showContent('VA_en', 'btnVA_en')\">VA<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnUSDA_en\" class=\"btn blanquito gg\" onclick=\"showContent('USDA_en', 'btnUSDA_en')\">USDA<\/button>\n <\/div>\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnConventional_en\" class=\"btn blanquito gg\" onclick=\"showContent('Conventional_en', 'btnConventional_en')\">Conventional<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnITIN_en\" class=\"btn blanquito gg\" onclick=\"showContent('ITIN_en', 'btnITIN_en')\">ITIN<\/button>\n <\/div>\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnCalHFA_en\" class=\"btn blanquito gg\" onclick=\"showContent('CalHFA_en', 'btnCalHFA_en')\">CalHFA<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnFHA_en\" class=\"btn rojito gg\" onclick=\"showContent('FHA_en', 'btnFHA_en')\">FHA<\/button>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<div id=\"content_VA_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">The VA loan program offers financing to eligible veterans and service members, allowing them to buy a home with a 0% down payment, competitive interest rates, flexible credit requirements, low closing costs, and the backing of the U.S. Department of Veterans Affairs.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the VA program:<\/span>\n <ul>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Demonstrate stable and sufficient income to afford mortgage payments.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 620, although standards can vary by lender.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Meet the minimum service requirements set by the Department of Veterans Affairs (VA).<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Obtain a COE to demonstrate eligibility for the VA loan program.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_USDA_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">The USDA home loan program facilitates home ownership by offering low to moderate-income individuals the opportunity to purchase homes with 0% down payment in designated rural areas. With competitive interest rates and flexible credit requirements, USDA loans provide accessible financing options, making the dream of homeownership a reality for many.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the USDA program:<\/span>\n <ul>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 640.<\/span><\/li>\n\t\t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">The property you intend to purchase must be located in a <a style=\"text-decoration: underline; border-bottom: 1px solid transparent; white-space: nowrap; font-size: 16px;\" href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/welcomeAction.do?pageAction=rbs\" target=\"_blank\">designated rural area<\/a>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_Conventional_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">The conventional program offers a mortgage provided by private lenders, requiring a higher credit score but providing flexibility for different homebuyers and properties, with a minimum down payment of 3%.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the Conventional program:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 620.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Down payment of 3% or greater is required; for example, to buy a home priced at \u200e <input type=\"text\" id=\"homePriceInputConventional\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, you would need to provide a down payment of <span class=\"downPaymentOutputConventional1\">$12,000<\/span>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_ITIN_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">This program is designed to assist individuals with ITIN, requiring a 10% down payment and offering opportunities to those without a Social Security number who are looking to become homeowners. The program aims to empower individuals to achieve their dream of owning a home, thereby promoting financial stability and inclusion within the community.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the ITIN program:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 640; if the applicant has no credit history, they can provide 2 alternatives with punctual payments and demonstrate a documented rental history of 12 months.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Down payment of 10% or greater is required; for example, to buy a home priced at \u200e <input type=\"text\" id=\"homePriceInputITIN\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, you would need to provide a down payment of <span class=\"downPaymentOutputITIN1\">$40,000<\/span>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_California Dream_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">The \"California Dream For All\" program helps first-time buyers cover 20% of the home's cost as a down payment. Upon selling, the state recovers 15% to 20% of the appreciation cost of the home (according to income), using those funds to assist other future buyers. This program works on a lottery basis. This means that applicants' names are randomly drawn to determine who will receive the benefits. There's a chance you may or may not receive assistance.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt; margin-bottom: 0;\">This program will be available on April 1st, 2024<\/span>\n\t<span style=\"color: #000000; font-size: 12pt; margin-bottom: 0;\"><span id=\"countdown1\" style=\"display: block;\"><\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the California Dream program:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Only first-time buyers may qualify; if your parents own a home, you're not eligible.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 680.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Completion of two levels of educational counseling and obtaining a certificate from an approved organization.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">You can only refinance once; if you refinance more than once, you'll need to repay the 20% assistance provided.<\/span><\/li>\n\t<span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<\/ul>\n\t<span style=\"color: #000000; font-size: 12pt;\">*IMPORTANT: When you sell or transfer the home, the state will recover 20% of the down payment they assisted you with, plus 15%-20% of the appreciation of the home, depending on your income. For example, if you buy a home for \u200e<input type=\"text\" id=\"homePriceInputCaliforniaDream\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, and receive down payment assistance of <span class=\"downPaymentOutputCaliforniaDream1\">$80,000<\/span> from the state, and later you decide to sell your home for <span id=\"sellingPriceOutputCaliforniaDream1\">$500,000<\/span>, which means your home has an appreciation of $100,000, the state will recover 20% of the appreciation of your home, which in this case is $20,000 plus the <span class=\"downPaymentOutputCaliforniaDream2\">$80,000<\/span> they initially provided. In this example, the state would recover up to <span class=\"downPaymentOutputCaliforniaDream3\">$100,000<\/span> from you when you sell or transfer the home.<\/span>\n\t<span style=\"display: block; margin-top: 12px;\"><\/span>\n <\/ul>\n<\/div>\n<div id=\"content_CalHFA_en\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">The CalHFA program assists new buyers with the down payment and closing costs when purchasing a home, with a limit of up to 3.5% of the purchase price or appraised value. Additionally, it offers competitive interest rates and aims to facilitate homeownership for low to moderate-income families.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the CalHFA program:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Credit score above 680.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Completion of an educational counseling course and obtaining a certificate from an approved organization.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_FHA_en\">\n <span style=\"color: #000000; font-size: 12pt;\">The FHA program provides government-backed loans to first-time homebuyers, enabling them to purchase a home with reduced down payments and flexible qualification criteria. By offering accessible financing options, the program aims to support individuals in achieving homeownership despite limited financial resources or credit history.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requirements to qualify with the FHA program:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Borrowers must intend to use the property as their primary residence.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 years of continuous employment.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">If credit score is above 580.<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Down payment of 3.5% or greater is required; for example, to buy a home priced at \u200e <input type=\"text\" id=\"homePriceInput\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, you would need to provide a down payment of <span class=\"downPaymentOutputFHA1\">$14,000<\/span>.<\/span><\/li>\n <\/ul>\n <\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">If credit score is between 500 & 579.<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Down payment of 10% or greater is required; for example, to buy a home priced at \u200e <input type=\"text\" id=\"homePriceInput\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, you would need to provide a down payment of <span class=\"downPaymentOutputFHA2\">$40,000<\/span>.<\/span><\/li>\n <\/ul>\n <\/li>\n <\/ul>\n<\/div>\n\n<span style=\"color: #000000; font-size: 12pt;\">*Additional requirements exist beyond the list provided. It's important to note that the information provided here is an estimate and subject to change without prior notice. While we strive for accuracy, we cannot guarantee that the list is entirely precise. We advise consulting with us directly for the most up-to-date and accurate information regarding your specific circumstances or needs.<\/span>\n\n<script>\n\/\/ Function to toggle between English and Spanish content\nfunction toggleLanguage() {\n var englishContent = document.getElementById('englishContent');\n var spanishContent = document.getElementById('spanishContent');\n var englishLink = document.getElementById('englishLink');\n var spanishLink = document.getElementById('spanishLink');\n\n if (englishContent.style.display === 'none') {\n englishContent.style.display = 'block';\n spanishContent.style.display = 'none';\n englishLink.innerText = 'English';\n spanishLink.innerText = 'Espa\u00f1ol';\n translateButtons('English');\n } else {\n englishContent.style.display = 'none';\n spanishContent.style.display = 'block';\n englishLink.innerText = 'Ingl\u00e9s';\n spanishLink.innerText = 'Spanish';\n translateButtons('Espa\u00f1ol');\n }\n}\n\n\/\/ Function to translate button text\nfunction translateButtons(language) {\n var buttons = document.querySelectorAll('.btn');\n if (language === 'English') {\n buttons.forEach(function(button) {\n switch (button.id) {\n case 'btnVA':\n button.innerText = 'VA';\n break;\n case 'btnUSDA':\n button.innerText = 'USDA';\n break;\n case 'btnConventional':\n button.innerText = 'Conventional';\n break;\n case 'btnITIN':\n button.innerText = 'ITIN';\n break;\n case 'btnCalifornia':\n button.innerText = 'California Dream';\n break;\n case 'btnCalHFA':\n button.innerText = 'CalHFA';\n break;\n case 'btnFHA':\n button.innerText = 'FHA';\n break;\n default:\n break;\n }\n });\n } else {\n buttons.forEach(function(button) {\n switch (button.id) {\n case 'btnVA':\n button.innerText = 'VA';\n break;\n case 'btnUSDA':\n button.innerText = 'USDA';\n break;\n case 'btnConventional':\n button.innerText = 'Convencional';\n break;\n case 'btnITIN':\n button.innerText = 'ITIN';\n break;\n case 'btnCalifornia':\n button.innerText = 'Sue\u00f1o Californiano';\n break;\n case 'btnCalHFA':\n button.innerText = 'CalHFA';\n break;\n case 'btnFHA':\n button.innerText = 'FHA';\n break;\n default:\n break;\n }\n });\n }\n}\n\n\/\/ Add click event listeners to the language links\ndocument.getElementById('englishLink').addEventListener('click', toggleLanguage);\ndocument.getElementById('spanishLink').addEventListener('click', toggleLanguage);\n\n\/\/ Initial content display\ntoggleLanguage(); \/\/ Display English content by default\n<\/script>\n\n<script>\n function showContent(id, btnId) {\n \/\/ Hide all content elements\n var contentElements = document.querySelectorAll('[id^=\"content_\"]');\n contentElements.forEach(function(element) {\n element.style.display = 'none';\n });\n\n \/\/ Show the selected content element\n var selectedContent = document.getElementById('content_' + id);\n if (selectedContent) {\n selectedContent.style.display = 'block';\n }\n\n \/\/ Reset button styles\n var buttons = document.querySelectorAll('.btn');\n buttons.forEach(function(button) {\n button.className = 'btn blanquito gg';\n });\n\n \/\/ Set selected button style\n var selectedButton = document.getElementById(btnId);\n if (selectedButton) {\n selectedButton.className = 'btn rojito gg';\n }\n }\n\n \/\/ Show FHA content and set its button style as default\n showContent('FHA', 'btnFHA');\n<\/script>\n<\/div>\n\n<div id=\"spanishCode\" style=\"display:none;\">\n <p><span style=\"display: block; margin-top: 12px;\"><\/span>\n<div id=\"rbotones_\">\n <div id=\"rbotones\" style=\"margin-right: -30px!important;margin-top:0px;margin-bottom: 15px;float: none;\" class=\"row\">\n <div class=\"col-xs-12 row\" style=\"padding-right: 0px;\">\n <div class=\"row botones\" style=\"padding-left: 15px;padding-right: 15px;margin-left: 0px!important;margin-right: 15px!important;display: inline-flex;flex-direction: row-reverse;\">\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnVA\" class=\"btn blanquito gg\" onclick=\"showContent('VA', 'btnVA')\">VA<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnUSDA\" class=\"btn blanquito gg\" onclick=\"showContent('USDA', 'btnUSDA')\">USDA<\/button>\n <\/div>\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnConventional\" class=\"btn blanquito gg\" onclick=\"showContent('Conventional', 'btnConventional')\">Convencional<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnITIN\" class=\"btn blanquito gg\" onclick=\"showContent('ITIN', 'btnITIN')\">ITIN<\/button>\n <\/div>\n <div class=\"text-center ihf-market-report-nav-column padi pull-left\">\n <button id=\"btnCalHFA\" class=\"btn blanquito gg\" onclick=\"showContent('CalHFA', 'btnCalHFA')\">CalHFA<\/button>\n <\/div>\n <div class=\"\">\n <button id=\"btnFHA\" class=\"btn rojito gg\" onclick=\"showContent('FHA', 'btnFHA')\">FHA<\/button>\n <\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/div>\n\n<div id=\"content_VA\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa de VA ofrece financiamiento a veteranos elegibles y miembros del servicio, permiti\u00e9ndoles comprar casa con un enganche del 0%, tasas de inter\u00e9s competitivas, requisitos de cr\u00e9dito flexibles, costos de cierre bajos y el respaldo del Departamento de Asuntos de Veteranos de los Estados Unidos. .<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa VA:<\/span>\n <ul>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de utilizar la propiedad como su residencia principal.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Demostrar ingresos estables y suficientes para poder pagar las cuotas hipotecarias.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntuaci\u00f3n de cr\u00e9dito superior a 620, aunque los est\u00e1ndares pueden variar seg\u00fan el prestamista.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Cumplir con los requisitos m\u00ednimos de servicio establecidos por el Departamento de Asuntos de Veteranos (VA).<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Obtener un COE para demostrar la elegibilidad para el programa de pr\u00e9stamos VA.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_USDA\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa del USDA facilita la compra de casa al ofrecer a personas con ingresos bajos o moderados la oportunidad de comprar casa con el 0% de enganche en \u00e1reas rurales designadas. Con tasas de inter\u00e9s competitivas y requisitos de cr\u00e9dito flexibles, los pr\u00e9stamos del USDA brindan opciones de financiamiento accesibles, haciendo realidad el sue\u00f1o de ser due\u00f1o de casa para muchos.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa USDA:<\/span>\n <ul>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de utilizar la propiedad como su residencia principal.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n \t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntuaci\u00f3n de cr\u00e9dito superior a 640.<\/span><\/li>\n\t\t<li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">La propiedad que planea comprar debe estar ubicada en una <a style=\"text-decoration: underline; border-bottom: 1px solid transparent;\" href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/welcomeAction.do?pageAction=rbs\" target=\"_blank\">\u00e1rea rural designada<span style=\"font-size: 16px;\"> <\/span><\/a>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_Conventional\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa convencional ofrece un pr\u00e9stamo proporcionado por prestamistas privados, requiriendo un puntaje de cr\u00e9dito m\u00e1s alto pero con m\u00e1s flexibilidad para diferentes compradores, con un enganche m\u00ednimo del 3%.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa convencional:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntaje de cr\u00e9dito superior a 620.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Se requiere un enganche del 3% o m\u00e1s; por ejemplo, para comprar una casa con un precio de \u200e <input type=\"text\" id=\"homePriceInputConventional\" class=\"homePriceInput\" placeholder=\"Precio de la casa\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, necesitar\u00edas dar un enganche de <span class=\"downPaymentOutputConventional2\">$12,000<\/span>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_ITIN\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">Este programa est\u00e1 dise\u00f1ado para ayudar a personas con ITIN, requiriendo un enganche del 10% y ofreciendo oportunidades a aquellas personas sin n\u00famero de Seguro Social que buscan ser due\u00f1os de casa. El programa tiene como objetivo capacitar a las personas para que logren su sue\u00f1o de ser due\u00f1os de casa, promoviendo as\u00ed la estabilidad financiera e inclusi\u00f3n dentro de la comunidad.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa ITIN:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de usar la propiedad como residencia principal.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntaje de cr\u00e9dito superior a 640; Si el solicitante no tiene historial de cr\u00e9dito, pueden dar 2 alternativas con pagos puntuales y demostrar un historial de alquiler documentado de 12 meses.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Se requiere un enganche del 10% o m\u00e1s; por ejemplo, para comprar una casa con un precio de \u200e <input type=\"text\" id=\"homePriceInputITIN\" class=\"homePriceInput\" placeholder=\"Precio de la casa\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, necesitar\u00edas dar un enganche de <span class=\"downPaymentOutputITIN2\">$40,000<\/span>.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_California Dream\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa "Sue\u00f1o Californiano" ayuda a primeros compradores a cubrir el 20% del costo de la casa como enganche. Este programa funciona en base a una loter\u00eda. Esto significa que los nombres de los solicitantes se eligen al azar para determinar qui\u00e9n recibir\u00e1 los beneficios. Existe la posibilidad de que puedas o no puedas recibir esta asistencia.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<span style=\"color: #000000; font-size: 12pt; margin-bottom: 0;\">Este programa estar\u00e1 disponible el 1 de abril del 2024.<\/span>\n\t<span style=\"color: #000000; font-size: 12pt; margin-bottom: 0;\"><span id=\"countdown2\" style=\"display: block;\"><\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa Sue\u00f1o Californiano:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de utilizar la propiedad como su residencia principal.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Solo los primeros compradores pueden calificar; si sus padres son due\u00f1os de una casa, no eres elegible.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntuaci\u00f3n de cr\u00e9dito superior a 680.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Completar dos niveles de asesoramiento educativo y obtener un certificado de una organizaci\u00f3n aprobada.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Solo puedes refinanciar una vez; Si refinancias m\u00e1s de una vez, deber\u00e1s devolver la asistencia del 20% proporcionada.<\/span><\/li>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n\t<\/ul>\n\t<span style=\"color: #000000; font-size: 12pt;\">*IMPORTANTE: Al momento de que usted venda o transfiera la casa, el estado recuperar\u00e1 el 20% del enganche que les hab\u00eda dado, m\u00e1s el 15%-20% de la apreciaci\u00f3n de la casa, dependiendo de sus ingresos. Por ejemplo, si usted compra una casa por \u200e<input type=\"text\" id=\"homePriceInputCaliforniaDream\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, y recibe del estado <span class=\"downPaymentOutputCaliforniaDream4\">$80,000<\/span> de asistencia para el enganche, y m\u00e1s adelante vende su casa por <span id=\"sellingPriceOutputCaliforniaDream2\">$500,000<\/span>, lo que significa que su casa tiene una apreciaci\u00f3n de $100,000, el estado recuperar\u00e1 el 20% de la apreciaci\u00f3n de su casa, que en este caso son $20,000 m\u00e1s los <span class=\"downPaymentOutputCaliforniaDream5\">$80,000<\/span> que les dio inicialmente. En este ejemplo, el estado recuperar\u00eda hasta <span class=\"downPaymentOutputCaliforniaDream6\">$100,000<\/span> de usted cuando venda o transfiera la casa.<\/span>\n\t<span style=\"display: block; margin-top: 12px;\"><\/span>\n <\/ul> \n<\/div>\n<div id=\"content_CalHFA\" style=\"display: none;\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa CalHFA ayuda a nuevos compradores con el enganche y los costos de cierre al comprar una casa, con un l\u00edmite de hasta el 3.5% del precio de la compra de la casa. Adem\u00e1s, ofrece tasas de inter\u00e9s competitivas y con el prop\u00f3sito de hacer m\u00e1s accesible la compra de casa para familias de ingresos bajos a moderados.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa CalHFA:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de utilizar la propiedad como su residencia principal.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Puntuaci\u00f3n de cr\u00e9dito superior a 680.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Completar un curso de asesoramiento educativo y obtener un certificado de una organizaci\u00f3n aprobada.<\/span><\/li>\n <\/ul>\n<\/div>\n<div id=\"content_FHA\">\n <span style=\"color: #000000; font-size: 12pt;\">El programa FHA ayuda a primeros compradores al ofrecerles pr\u00e9stamos respaldados por el gobierno. Esto les permite comprar una casa con un enganche peque\u00f1o y criterios de calificaci\u00f3n flexibles. Su objetivo es apoyar a las personas para que puedan convertirse en due\u00f1os de casa, aunque cuenten con recursos financieros limitados o tengan un historial de cr\u00e9dito menos favorable.<\/span>\n <span style=\"display: block; margin-top: 12px;\"><\/span>\n <span style=\"color: #000000; font-size: 12pt;\">Requisitos para calificar con el programa FHA:<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Los compradores deben tener la intenci\u00f3n de utilizar la propiedad como su residencia principal.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">2 a\u00f1os de empleo continuo.<\/span><\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Si la puntuaci\u00f3n de cr\u00e9dito es superior a 580.<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Se requiere un enganche del 3.5% o m\u00e1s; por ejemplo, para comprar una casa con un precio de \u200e <input type=\"text\" id=\"homePriceInput2\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, necesitar\u00edas dar un enganche de <span class=\"downPaymentOutputFHA3\">$14,000<\/span>.<\/span><\/li>\n <\/ul>\n <\/li>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Si la puntuaci\u00f3n de cr\u00e9dito est\u00e1 entre 500 y 579.<\/span>\n <ul>\n <li style=\"color: #000000;\"><span style=\"color: #000000; font-size: 12pt;\">Se requiere un enganche del 10% o m\u00e1s; por ejemplo, para comprar una casa con un precio de \u200e <input type=\"text\" id=\"homePriceInput1\" class=\"homePriceInput\" placeholder=\"Precio de la vivienda\" value=\"$400,000\" style=\"color: #000000; font-size: 12pt; width: 110px; height: calc(100% + 1px); border-radius: 4px; padding: 7px;\">, necesitar\u00edas dar un enganche de <span class=\"downPaymentOutputFHA4\">$40,000<\/span>.<\/span><\/li>\n <\/ul>\n <\/li>\n <\/ul>\n<\/div>\n\n<span style=\"color: #000000; font-size: 12pt;\">*Existen requisitos adicionales m\u00e1s all\u00e1 de la lista proporcionada. Es importante tener en cuenta que la informaci\u00f3n aqu\u00ed es una estimaci\u00f3n y est\u00e1 sujeta a cambios sin avisos previos. Si bien nos esforzamos por la precisi\u00f3n, no podemos garantizar que la lista sea completamente precisa. Recomendamos consultar directamente con nosotros para obtener la informaci\u00f3n m\u00e1s actualizada y precisa sobre sus circunstancias o necesidades espec\u00edficas.<\/span>\n\n<script>\n\/\/ Set the target date for the countdown (April 1, 2024)\nconst targetDate = new Date('April 1, 2024 00:00:00').getTime();\n\n\/\/ Update the countdown every second\nconst countdownInterval = setInterval(updateCountdown, 1000);\n\nfunction updateCountdown() {\n \/\/ Get the current date and time\n const currentDate = new Date().getTime();\n \n \/\/ Calculate the remaining time\n const remainingTime = targetDate - currentDate;\n \n \/\/ Calculate the remaining months, days, hours, minutes, and seconds\n const months = Math.floor(remainingTime \/ (1000 * 60 * 60 * 24 * 30));\n const days = Math.floor((remainingTime % (1000 * 60 * 60 * 24 * 30)) \/ (1000 * 60 * 60 * 24));\n const hours = Math.floor((remainingTime % (1000 * 60 * 60 * 24)) \/ (1000 * 60 * 60));\n const minutes = Math.floor((remainingTime % (1000 * 60 * 60)) \/ (1000 * 60));\n const seconds = Math.floor((remainingTime % (1000 * 60)) \/ 1000);\n \n \/\/ Construct the countdown text for countdown1 (English)\n let countdownText1 = ``;\n if (months !== 0) {\n countdownText1 += `${months} ${months === 1 ? 'month' : 'months'}, `;\n }\n if (days !== 0) {\n countdownText1 += `${days} ${days === 1 ? 'day' : 'days'}, `;\n }\n if (hours !== 0) {\n countdownText1 += `${hours} ${hours === 1 ? 'hour' : 'hours'}, `;\n }\n if (minutes !== 0) {\n countdownText1 += `${minutes} ${minutes === 1 ? 'minute' : 'minutes'}, `;\n }\n countdownText1 += `${seconds} ${seconds === 1 ? 'second' : 'seconds'}`;\n\n \/\/ Construct the countdown text for countdown2 (Spanish)\n let countdownText2 = ``;\n if (months !== 0) {\n countdownText2 += `${months} ${months === 1 ? 'mes' : 'meses'}, `;\n }\n if (days !== 0) {\n countdownText2 += `${days} ${days === 1 ? 'd\u00eda' : 'd\u00edas'}, `;\n }\n if (hours !== 0) {\n countdownText2 += `${hours} ${hours === 1 ? 'hora' : 'horas'}, `;\n }\n if (minutes !== 0) {\n countdownText2 += `${minutes} ${minutes === 1 ? 'minuto' : 'minutos'}, `;\n }\n countdownText2 += `${seconds} ${seconds === 1 ? 'segundo' : 'segundos'}`;\n\n \/\/ Display the countdown in countdown1 and countdown2\n const countdownElement1 = document.getElementById('countdown1');\n const countdownElement2 = document.getElementById('countdown2');\n countdownElement1.innerHTML = countdownText1;\n countdownElement2.innerHTML = countdownText2;\n \n \/\/ If the countdown is over, stop updating it\n if (remainingTime <= 0) {\n clearInterval(countdownInterval);\n countdownElement1.innerHTML = 'The program is now available!';\n countdownElement2.innerHTML = '\u00a1El programa ya est\u00e1 disponible!';\n }\n} \n\n\/\/ Call updateCountdown immediately after the page loads\nupdateCountdown();\n<\/script>\n\n<\/script>\n\n<\/script>\n\n<script>\n var homePriceInputs = document.querySelectorAll('.homePriceInput, .homePriceInput_en');\n for (var i = 0; i < homePriceInputs.length; i++) {\n homePriceInputs[i].addEventListener('input', function () {\n var homePriceStr = this.value.replace(\/[^\\d.]\/g, \"\"); \/\/ Remove non-numeric characters except for periods\n var homePrice = parseFloat(homePriceStr);\n if (!isNaN(homePrice)) {\n var formattedPrice = '$' + numberWithCommas(Math.floor(homePrice));\n for (var j = 0; j < homePriceInputs.length; j++) {\n homePriceInputs[j].value = formattedPrice;\n }\n updateDownPayment(homePrice);\n }\n });\n }\n\n function numberWithCommas(x) {\n return x.toString().replace(\/\\B(?=(\\d{3})+(?!\\d))\/g, \",\");\n }\n\n function updateDownPayment(homePrice) {\n var downPaymentPercentages = {\n \"FHA1\": 0.035,\n \"FHA2\": 0.1,\n \"FHA3\": 0.035,\n \"FHA4\": 0.1,\n \"CaliforniaDream1\": 0.2,\n \"CaliforniaDream2\": 0.2,\n \"CaliforniaDream3\": 0.2,\n \"CaliforniaDream4\": 0.2,\n \"CaliforniaDream5\": 0.2,\n \"CaliforniaDream6\": 0.2,\n \"ITIN1\": 0.1,\n \"ITIN2\": 0.1,\n \"Conventional1\": 0.03,\n \"Conventional2\": 0.03\n };\n\n for (var key in downPaymentPercentages) {\n var downPaymentOutput = document.querySelector('.downPaymentOutput' + key);\n if (downPaymentOutput) {\n var downPayment = homePrice * downPaymentPercentages[key];\n downPaymentOutput.textContent = '$' + numberWithCommas(Math.floor(downPayment));\n }\n }\n\n \/\/ Calculate and update CaliforniaDream3 separately\n var downPaymentOutputCaliforniaDream3 = document.querySelector('.downPaymentOutputCaliforniaDream3');\n if (downPaymentOutputCaliforniaDream3) {\n var downPaymentCaliforniaDream3 = homePrice * downPaymentPercentages[\"CaliforniaDream3\"] + 20000;\n downPaymentOutputCaliforniaDream3.textContent = '$' + numberWithCommas(Math.floor(downPaymentCaliforniaDream3));\n }\n\n \/\/ Calculate and update CaliforniaDream6 separately\n var downPaymentOutputCaliforniaDream6 = document.querySelector('.downPaymentOutputCaliforniaDream6');\n if (downPaymentOutputCaliforniaDream6) {\n var downPaymentCaliforniaDream6 = homePrice * downPaymentPercentages[\"CaliforniaDream6\"] + 20000;\n downPaymentOutputCaliforniaDream6.textContent = '$' + numberWithCommas(Math.floor(downPaymentCaliforniaDream6));\n }\n\n \/\/ Calculate and update selling prices\n updateSellingPrice(homePrice);\n }\n\n function updateSellingPrice(homePrice) {\n var sellingPriceOutputCaliforniaDream1 = document.getElementById('sellingPriceOutputCaliforniaDream1');\n if (sellingPriceOutputCaliforniaDream1) {\n var sellingPrice = homePrice + 100000; \/\/ Selling price is home price plus $100,000\n sellingPriceOutputCaliforniaDream1.textContent = '$' + numberWithCommas(Math.floor(sellingPrice));\n }\n\n var sellingPriceOutputCaliforniaDream2 = document.getElementById('sellingPriceOutputCaliforniaDream2');\n if (sellingPriceOutputCaliforniaDream2) {\n var sellingPrice = homePrice + 100000; \/\/ Selling price is home price plus $100,000\n sellingPriceOutputCaliforniaDream2.textContent = '$' + numberWithCommas(Math.floor(sellingPrice));\n }\n }\n<\/script>\n\n<script>\n function showContent(id, btnId) {\n \/\/ Hide all content elements\n var contentElements = document.querySelectorAll('[id^=\"content_\"]');\n contentElements.forEach(function(element) {\n element.style.display = 'none';\n });\n\n \/\/ Show the selected content element\n var selectedContent = document.getElementById('content_' + id);\n if (selectedContent) {\n selectedContent.style.display = 'block';\n }\n\n \/\/ Reset button styles\n var buttons = document.querySelectorAll('.btn');\n buttons.forEach(function(button) {\n button.className = 'btn blanquito gg';\n });\n\n \/\/ Set selected button style\n var selectedButton = document.getElementById(btnId);\n if (selectedButton) {\n selectedButton.className = 'btn rojito gg';\n }\n }\n\n \/\/ Show FHA content and set its button style as default\n showContent('FHA', 'btnFHA');\n<\/script>\n\n<script>\n\nif (window.location.href.includes('\/es\/')) {\n toggle('spanish');\n showContent('FHA', 'btnFHA');\n \/\/ Set the button text to 'VA' regardless of language\n document.getElementById('btnVA_en').innerText = 'VA';\n} else {\n toggle('english');\n showContent('FHA_en', 'btnFHA_en');\n \/\/ Keep the button text as 'VA' in English\n document.getElementById('btnVA_en').innerText = 'VA';\n}\n\nfunction toggle(choice) {\n if (choice === 'english') {\n document.getElementById('englishText').style.fontWeight = 'normal';\n document.getElementById('spanishText').style.fontWeight = 'normal';\n document.getElementById('englishCode').style.display = 'block';\n document.getElementById('spanishCode').style.display = 'none';\n document.getElementById('englishCode').style.display = 'block';\n document.getElementById('spanishCode').style.display = 'none';\n document.getElementById('titleText').innerText = 'Programs for Buyers';\n showContent('FHA_en', 'btnFHA_en');\n } else if (choice === 'spanish') {\n document.getElementById('englishText').style.fontWeight = 'normal';\n document.getElementById('spanishText').style.fontWeight = 'normal';\n document.getElementById('englishCode').style.display = 'none';\n document.getElementById('spanishCode').style.display = 'block';\n document.getElementById('englishCode').style.display = 'none';\n document.getElementById('spanishCode').style.display = 'block';\n document.getElementById('titleText').innerText = 'Programas para Compradores';\n showContent('FHA', 'btnFHA'); \/\/ Show Spanish content when Spanish text is toggled\n }\n}\n\n<\/script>\n\n<\/body>\n<\/html><div class=\"fusion-clearfix\"><\/div>\n\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/pages\/23739"}],"collection":[{"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/comments?post=23739"}],"version-history":[{"count":372,"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/pages\/23739\/revisions"}],"predecessor-version":[{"id":26067,"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/pages\/23739\/revisions\/26067"}],"wp:attachment":[{"href":"https:\/\/www.andradereg.com\/es\/wp-json\/wp\/v2\/media?parent=23739"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}