REFINANCIANDO SU HOGAR PERFECTO

Cash-Out Refinance: How to Use your Home Equity Wisely

One of the many perks to home ownership: building equity. According to CNBC, today’s homeowners have the highest amount of total accumulated equity in their homes ever recorded, sitting at $5.8 trillion. With home values steadily on the rise, homeowners built an average of $14,700 alone within the last year and have about $113,900 available to draw. If you’re new to home ownership or have never taken advantage of your home’s equity, here’s how to use your home equity wisely with a cash-out refinance:

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Here’s What Homeowners Do Not Understand about Their Home Equity and How to Use it

Mike Sheehan, owner of Pub Shed, Inc., based out of Grand Rapids, MI, brings the idea of having a mini pub right in your backyard: “I was on vacation in Ireland, the concept of a pub in your backyard was a big trend. I really enjoyed them and decided to bring the idea back home with me,” he said. Now, customers can choose from a wide variety of styles and designs or customize your own, and you can have your very own bar steps away from your back door. Check ’em out!

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Pub Sheds: Bring Happy Hour to YOUR Backyard

Mike Sheehan, owner of Pub Shed, Inc., based out of Grand Rapids, MI, brings the idea of having a mini pub right in your backyard: “I was on vacation in Ireland, the concept of a pub in your backyard was a big trend. I really enjoyed them and decided to bring the idea back home with me,” he said. Now, customers can choose from a wide variety of styles and designs or customize your own, and you can have your very own bar steps away from your back door. Check ’em out!

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¿Cómo funciona la refinanciación?

pasos para refinanciar su casa
Aplicando
El primer paso de cualquier proceso hipotecario es la presentación de información, como el ingreso, los activos, las deudas y la calificación de crédito. Se tendrá que presentar documentación más reciente, como recibos de sueldo, formularios w-2 recientes y declaraciones bancarias.
Underwriting
Una vez que haya presentado su solicitud, comenzará el proceso de suscripción. En esta etapa, verificaremos que su información financiera y nos aseguraremos de que todo se haya presentado correctamente.
Tasación de la vivienda
Necesitaremos determinar el valor de su vivienda, por lo que ordenaremos una tasación. El tasador visitará su vivienda y le dará un monto estimativo del valor de su vivienda.
Cerrar su nuevo préstamo
Cuando se haya completado la suscripción y la tasación de su vivienda, recibirá la notificación de cierre. En el cierre, pueden estar presentes la parte que constituye el préstamo y el título y el representante de la compañía de títulos para revisar los detalles del préstamo y para que firme los documentos de su préstamo.
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