| A corto plazo |
Short-term |
| A largo plazo |
Long-term |
| Abogado de bienes ra�ces |
Real estate attorney |
| Acreedor |
Creditor |
| Acreedor hipotecario |
Mortgagee |
| Acuerdo |
Agreement |
| Acuerdo comercial |
Business; Deal |
| Acuerdo de venta |
Agreement of sale |
| Administraci�n de Temas Relacionados con Veteranos (pr�stamo VA) |
Veterans Administration loan (VA loan) |
| Administraci�n de Temas Relacionados con Veteranos (VA, siglas en ingl�s) |
Veterans Administration (VA) |
| Administraci�n de Viviendas de Trabajadores Rurales (FMHA, siglas en ingl�s) |
Farmers Home Administration (FMHA) |
| Administraci�n Federal de Vivienda (FHA, siglas en ingl�s) |
Federal Housing Administration (FHA) |
| Agencia de informes de cr�dito para el consumidor |
Consumer credit reporting agency |
| Agente a cargo de la operaci�n de cierre |
Settlement agent |
| Agente de bienes ra�ces |
Real estate agent |
| Agente de pr�stamos |
Loan officer |
| Agente de ventas |
Selling agent |
| Agente del comprador |
Buyer's agent |
| Agente hipotecario |
Mortgage broker |
| Agente listador |
Listing agent |
| Ahorros |
Savings |
| Aislaci�n |
Insulation |
| Alquilar |
Rent |
| Alquiler con opci�n a compra |
Lease with purchase option |
| Amortizaci�n |
Amortization |
| An�lisis comparativo de mercado (CMA, siglas en ingl�s) |
Comparative market analysis (CMA) |
| An�lisis crediticio |
Credit analysis |
| Anualidad |
Annuity |
| Aplazamiento de ganancias de capital |
Capital gains deferment |
| Apoyo infantil |
Child support |
| Apreciar (el valor) |
Appreciate (in value) |
| �rea |
Area |
| Arrendador; Locador |
Landlord; Lessor |
| Arrendamiento |
Tenancy |
| Asesor financiero |
Financial advisor |
| Asesor impositivo |
Tax consultant |
| Asesor�a en materia crediticia |
Credit counseling |
| Asignar |
Allocate |
| Asociaci�n de Ahorro y Pr�stamo |
Savings and Loan Association |
| Asociaci�n Nacional de Agentes de Bienes Ra�ces (REALTORS�) (NAR, siglas en ingl�s) |
National Association of REALTORS� (NAR) |
| Asunci�n |
Assumption |
| Aviso de incumplimiento en el pago |
Notice of default |
| Calefacci�n |
Heating |
| Calificaci�n crediticia |
Credit rating |
| Calificaci�n previa |
Prequalification |
| Ca�er�as |
Plumbing |
| Capital |
Principal |
| Capital e inter�s (P&I, siglas en ingl�s) |
Principal and interest (P&I) |
| Capital en la propiedad |
Equity |
| Capital; Inter�s; Impuestos y Seguro (PITI, siglas en ingl�s) |
Principal, Interest, Taxes, and Insurance (PITI) |
| Caracter�sticas |
Features; Characteristics |
| Carta de compromiso |
Commitment letter |
| Carta de obsequio |
Gift letter |
| Casa; Hogar; Vivienda (el uso depende del contexto) |
House; Home; Housing (use depends on context) |
| Caso |
Case |
| Cierre |
Closing |
| Cierre |
Settlement |
| Cierre de la venta |
Closing the sale |
| Ciudad central |
Central city |
| Cl�usula adicional |
Rider |
| Cl�usula de contingencia de venta |
Contingency clause of sale |
| Cl�usula de pago anticipado |
Prepayment clause |
| Cl�usula que permite la cancelaci�n anticipada |
Acceleration clause |
| Cobertura (ver tambi�n cobertura de seguro) |
Coverage (See also insurance coverage) |
| Cobertura de seguro (ver tambi�n cobertura) |
Insurance coverage (See also coverage) |
| Codeudor |
Co-debtor |
| Cofirmante |
Cosigner |
| Colateral |
Collateral |
| Comisi�n |
Commission |
| Compa��a aseguradora de hipotecas |
Mortgage insurance company |
| Compa��a de t�tulos de propiedad |
Title company |
| Compa��as de dep�sito en garant�a |
Escrow companies |
| Compa��as de financiaci�n |
Finance companies |
| Compa��as hipotecarias |
Mortgage companies |
| Compra |
Purchase |
| Comprador |
Buyer |
| Comprador de vivienda |
Home buyer |
| Comprador de vivienda por primera vez |
First-time home buyer |
| Compradores de vivienda de ingresos bajos y moderados |
Low- and moderate-income home buyers |
| Comprar |
Purchase |
| Comprobante de pago |
Pay stub |
| Condici�n |
Condition |
| Condiciones |
Stipulations |
| Condiciones de financiaci�n |
Financing terms |
| Condominio |
Condominium |
| Conservaci�n |
Conservation |
| Conservaci�n de energ�a |
Energy conservation |
| Consumidor |
Consumer |
| Contador |
Accountant |
| Contingencia |
Contingency |
| Contingencia de tasaci�n |
Appraisal contingency |
| Contraoferta |
Counteroffer |
| Contratista |
Contractor |
| Contrato |
Contract |
| Contrato de alquiler |
Lease |
| Contrato de compraventa de terrenos |
Land contract |
| Contrato de venta |
Sales contract |
| Convenio |
Covenant |
| Convertible; Conversi�n |
Convertible; Conversion |
| Cooperativa (Co-op) |
Cooperative (Co-op) |
| Cooperativa de cr�dito |
Credit union |
| Cooperativa de Cr�dito Federal |
Federal credit union |
| Cooperativa de patrimonio limitado |
Limited equity cooperative |
| Coprestatario |
Co-borrower |
| Corporaci�n Federal de Seguros de Dep�sitos (FDIC, siglas en ingl�s) |
Federal Deposit Insurance Corporation (FDIC) |
| Cosolicitante |
Co-applicant |
| Costo de iniciaci�n de un pr�stamo |
Loan origination fee |
| Costo de rehabilitaci�n |
Rehabilitation cost |
| Costos continuos |
Ongoing costs |
| Costos de cierre |
Closing costs |
| Costos de condominio |
Condominium fee |
| Costos de mantenimiento |
Maintenance costs |
| Costos de registro |
Recording fees |
| Costos de transferencia |
Transfer fees |
| Costos iniciales |
Upfront costs |
| Costos; Gastos; Honorarios (pueden utilizarse indistintamente) |
Costs; Expenses; Fees (can be used interchangeably) |
| Cotizar |
Quote |
| Cuenta bancaria |
Bank account |
| Cuenta corriente |
Checking account |
| Cuenta de ahorros |
Savings account |
| Cuenta de dep�sito en garant�a |
Escrow deposit account |
| Cuota de la asociaci�n de propietarios (ver tambi�n cuota de asociaci�n) |
Homeowner's association fee (See also association fee) |
| Cuota de mantenimiento |
Maintenance fee |
| Ganancias |
Earnings |
| Garant�a |
Warranty |
| Garant�a del propietario |
Homeowner's warranty |
| Gastos de hipoteca |
Fixed expenses |
| Gastos de mantenimiento de la propiedad |
Upkeep expenses |
| Gastos de vivienda |
Housing expenses |
| Gastos discrecionales |
Discretionary expenses |
| Gastos estables de vivienda |
Stable housing costs |
| Gastos mensuales actuales |
Current monthly expenses |
| Gastos; Honorarios; Costos (pueden utilizarse indistintamente) |
Expenses; Fees; Costs (can be used interchangeably) |
| Gravamen |
Lien |
| Grupo comunitario |
Community group |
| Grupo de educaci�n al consumidor |
Customer education group |
| Gu�a para Administradores de Talleres sobre Propiedad de Vivienda |
Homeownership Workshop Administrator's Guide |
| Gu�a sobre Propiedad de Vivienda |
Guide to Homeownership |
| Hipoteca asumible |
Assumable mortgage |
| Hipoteca con pago graduado (GPM, siglas en ingl�s) |
Graduated-payment mortgage (GPM) |
| Hipoteca con pagos quincenales |
Biweekly-payment mortgage |
| Hipoteca con tasa de inter�s ajustable (ARM, siglas en ingl�s) |
Adjustable-rate mortgage (ARM) |
| Hipoteca con tasa de inter�s fija |
Fixed-rate mortgage |
| Hipoteca de rehabilitaci�n |
Rehabilitation mortgage |
| Hipoteca en Dos Pasos |
Two Step� mortgage |
| Hipoteca financiada por el vendedor |
Seller take-back mortgage |
| Hipoteca secundaria |
Second mortgage |
| Hipoteca; Pr�stamo hipotecario; Pr�stamo |
Mortgage; Mortgage loan; Loan |
| Historial crediticio |
Credit history |
| Hoja de trabajo |
Worksheet |
| Honorarios |
Fees |
| Impuesto a la transferencia |
Transfer tax |
| Impuestos |
Tax |
| Impuestos a la propiedad |
Property taxes |
| Impuestos a los bienes ra�ces |
Real estate taxes |
| Impuestos a los ingresos |
Income taxes |
| Incumplimiento en el pago |
Default |
| �ndice |
Index |
| �ndice de Costo de Fondos del Distrito 11� del Banco Federal de Pr�stamos para Viviendas (COFI, siglas en ingl�s) |
Federal Home Loan Bank 11th District Cost-of-Funds Index (COFI) |
| Informe de Cierre (ver tambi�n Informe de Operaci�n de Cierre HUD-1) |
Settlement Statement (Refer to HUD-1 Settlement Statement) |
| Informe de cr�dito |
Credit report |
| Informe de la Operaci�n de Cierre HUD-1 (ver tambi�n Informe de Cierre) |
HUD-1 Settlement Statement (See also Settlement Statement) |
| Informe de tasaci�n |
Appraisal report |
| Ingreso bruto |
Gross income |
| Ingresos |
Income |
| Ingresos por trabajo de temporada |
Seasonal income |
| Inquilino; Arrendatario; Locatario |
Renter; Tenant; Lessee |
| Inspecci�n de termitas |
Termite inspection |
| Inspector de viviendas |
Home inspector |
| Instituci�n de pr�stamos hipotecarios |
Lending institution |
| Instituciones bancarias hipotecarias |
Mortgage banking institutions |
| Instituciones financieras |
Financial institutions |
| Intercambio |
Swap |
| Inter�s |
Interest |
| Intervalo de ajuste |
Adjustment interval |
| Ley de Equidad de Informes de Cr�dito |
Fair Credit Reporting Act |
| Ley de Equidad de Vivienda |
Fair Housing Act |
| Ley de Igualdad de Oportunidades de Cr�dito (ECOA, siglas en ingl�s) |
Equal Credit Opportunity Act (ECOA) |
| Ley de Procedimientos de Liquidaci�n de Bienes Ra�ces (RESPA, siglas en ingl�s) |
Real Estate Settlement Procedures Act (RESPA) |
| L�mite m�ximo de inter�s durante la vida �til de un pr�stamo |
Lifetime cap |
| L�nea de cr�dito sobre el capital en la propiedad |
Home equity line |
| Liquidez |
Liquidity |
| Listado M�ltiple de Casas en Venta (NILS, siglas en ingl�s) |
Multiple Listing Service (MLS) |
| Lote |
Lot |
| Pagar� |
Note |
| Pagar� hipotecario |
Mortgage note |
| Pago anticipado; Pagado por anticipado |
Prepayment; Prepaid |
| Pago atrasado |
Delinquent payment |
| Pago diferido |
Deferred payment |
| Pago inicial |
Down payment |
| Pago mensual |
Monthly payment |
| Pago mensual de una hipoteca |
Monthly mortgage payment |
| Pago promedio |
Average payment |
| Pagos de deuda permitidos |
Allowable debt payments |
| Pagos por discapacidad |
Disability payments |
| Pautas |
Guideline |
| Pensi�n |
Pension |
| Pensi�n alimenticia |
Alimony |
| Per�odo de gracia |
Grace period |
| Per�odo de pago |
Repayment period |
| Plan de pagos |
Payment schedule |
| Planificaci�n |
Planning |
| Plazo de un pr�stamo |
Loan term |
| Plazo de una hipoteca |
Mortgage term |
| Plazo, t�rmino |
Term |
| Poder de compra |
Buying power |
| Poder de compra de vivienda |
Home-buying power |
| Poder de pr�stamo |
Borrowing power |
| P�liza de seguro |
Insurance policy |
| Por ciento |
Percent |
| Porcentaje |
Percentage |
| Porcentaje de deuda |
Debt ratio |
| Porcentaje por reembolso anticipado |
Back-end ratio |
| Porcentajes de calificaci�n |
Qualifying ratios |
| Porcentajes de calificaci�n usados al evaluar una solicitud de pr�stamo |
Underwriting ratios |
| Precio de compra |
Purchase price |
| Precio de mercado |
Market price |
| Precio inicial |
Asking price |
| Pr�stamo 203(b) de la FHA |
FHA 203(b) loan |
| Pr�stamo 203(k) de la FHA |
FHA 203(k) loan |
| Pr�stamo de la Administraci�n Federal de Vivienda (pr�stamo de FHA) |
Federal Housing Administration loan (FHA loan) |
| Pr�stamo hipotecario convencional |
Conventional mortgage loan |
| Pr�stamo Hipotecario para Fideicomiso Inmobiliario Comunitario |
Community Land Trust Mortgage Loan |
| Pr�stamo Hipotecario para Mejoras de Viviendas en Comunidades (CHIML, siglas en ingl�s) |
Community Home Improvement Mortgage Loan� (CHIML) |
| Pr�stamo hipotecario sobre el capital en la propiedad |
Equity loan |
| Pr�stamo hipotecario; Hipoteca; Pr�stamo |
Mortgage loan; Mortgage; Loan |
| Pr�stamo para construcci�n |
Construction loan |
| Pr�stamo reembolsable al vencimiento |
Balloon loan |
| Pr�stamo T�tulo 1 de la FHA |
FHA Title 1 loan |
| Pr�stamos asegurados por el gobierno |
Government-insured loans |
| Prestatario |
Borrower |
| Presupuesto |
Budget |
| Prima |
Premium |
| Primera hipoteca |
First mortgage |
| Procesamiento de un pr�stamo |
Loan processing |
| Proceso de evaluaci�n de la solicitud de un pr�stamo hipotecario; Avales hipotecarios |
Underwriting; Mortgage underwrting |
| Proceso de obtenci�n de un pr�stamo hipotecario |
Mortgage Process |
| Profesional de bienes ra�ces |
Real estate professional |
| Programa |
Schedule |
| Programa Comunitario para Compradores de Vivienda (CHBP, siglas en ingl�s) |
Community Home Buyer's Program (CHBP) |
| Programa de registro matrimonial de la FHA |
FHA bridal registry program |
| Propiedad |
Property |
| Propiedad comercial |
Commercial property |
| Propiedad de inversi�n |
Investment property |
| Propiedad ocupada por el propietario |
Owner-occupied |
| Propietario |
Owner |
| Propietario de vivienda |
Homeowner |
| Proporci�n entre el pago mensual de la hipoteca y el ingreso bruto mensual |
Front-end ratio |
| Prorratear |
Prorate |
| Pr�rroga en el pago |
Overtime pay |
| Proveedores de viviendas |
Housing providers |
| Provisi�n |
Provision |
| Puntos (ver tambi�n puntos de descuento) |
Points (See also discount points) |
| Puntos de descuento |
Discount points |
| Salario |
Salary |
| Seguro |
Insurance |
| Seguro contra inundaciones |
Flood insurance |
| Seguro de una propiedad |
Property insurance |
| Seguro de vida hipotecario |
Mortgage life insurance |
| Seguro del propietario |
Homeowner's insurance |
| Seguro hipotecario (MI, siglas en ingl�s) (ver tambi�n seguro hipotecario privado) |
Mortgage insurance (MI) (See also private mortgage insurance) |
| Seguro Hipotecario Privado (PMI, siglas en ingl�s) (ver tambi�n seguro hipotecario) |
Private mortgage insurance (PMI) (See also mortgage insurance) |
| Seguro por riesgos |
Hazard insurance |
| Servicio de Remisi�n y Gu�a HomePathSM |
HomePathSM referral and guidance service |
| Servicio de Renta Interna (IRS, siglas en ingl�s) |
Internal Revenue Service (IRS) |
| Servicios de inspecci�n de construcci�n |
Building inspection services |
| Servicios de pr�stamos |
Loan servicing |
| Servicios p�blicos |
Utilities |
| Servidumbre |
Easement |
| Sistema de desag�e |
Sewage system |
| Sistema de enfriamiento |
Cooling system |
| Sociedad Norteamericana de Inspectores de Vivienda |
American Society of Home Inspectors |
| Solicitar |
Applying |
| Solicitud de un pr�stamo hipotecario |
Mortgage loan application |
| Subsidio |
Grant |
| Subsidio |
Subsidy |
| Sue�o Americano |
American dream |
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