{"id":3893,"date":"2017-07-05T13:52:26","date_gmt":"2017-07-05T13:52:26","guid":{"rendered":"https:\/\/old.mybscu.org\/?page_id=3893"},"modified":"2026-01-05T13:40:40","modified_gmt":"2026-01-05T18:40:40","slug":"heloc","status":"publish","type":"page","link":"https:\/\/old.mybscu.org\/es\/heloc\/","title":{"rendered":"L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) del sur de Florida"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><section data-parent=\"true\" class=\"vc_section row-container\" id=\"section-unique-0\"><div class=\"row-background background-element\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"background-inner\" style=\"background-image: url(https:\/\/old.mybscu.org\/wp-content\/uploads\/2021\/08\/heloc-all.jpg);background-repeat: no-repeat;background-position: center top;background-attachment: scroll;background-size: cover;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"block-bg-overlay style-color-nhtu-bg\" style=\"opacity: 0.6;\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/div><div class=\"row no-top-padding no-bottom-padding no-h-padding full-width row-parent\"><div data-parent=\"true\" class=\"vc_row vc_custom_1622544947076 row-container has-dividers\" style=\"padding-top: 20px ;padding-bottom: 20px ;\" id=\"row-unique-0\"><div class=\"uncode-divider-wrap uncode-divider-wrap-bottom z_index_3 uncode-row-divider-invert\" style=\"height: 100px;\" data-height=\"100\" data-unit=\"px\"><svg version=\"1.1\" class=\"uncode-row-divider uncode-row-divider-curve\" x=\"0px\" y=\"0px\" width=\"240px\" height=\"24px\" viewbox=\"0 0 240 24\" enable-background=\"new 0 0 240 24\" xml:space=\"preserve\" preserveaspectratio=\"none\">\n\t\t<path fill=\"#ffffff\" fill-opacity=\"0.25\" d=\"M240,0H0v24l240-11.26V0z\"\/>\n\t\t<path fill=\"#ffffff\" d=\"M0,0h240v12.74L0,0z\"\/>\n\t\t<path fill=\"#ffffff\" fill-opacity=\"0.5\" d=\"M0,0h240v12.74H0V0z\"\/>\n\t\t<\/svg><\/div><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_center column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  vc_custom_1612821354555 no-block-padding\" style=\"padding-top: 100px ;padding-bottom: 100px ;\" ><div class=\"uncont\" ><div id=\"ultimate-heading-810569e140e319a17\" class=\"uvc-heading ult-adjust-bottom-margin ultimate-heading-810569e140e319a17 uvc-2068\" data-hspacer=\"no_spacer\"  data-halign=\"center\" style=\"text-align:center\"><div class=\"uvc-heading-spacer no_spacer\" style=\"top\"><\/div><div class=\"uvc-main-heading ult-responsive\"  data-ultimate-target='.uvc-heading.ultimate-heading-810569e140e319a17 h1'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}' ><h1 style=\"font-weight:normal;color:#ffffff;\">L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) del sur de Florida<\/h1><\/div><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-0\" data-row=\"script-row-unique-0\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-0\"));<\/script><\/div><\/div><\/div><script id=\"script-section-unique-0\" data-section=\"script-section-unique-0\" type=\"text\/javascript\">UNCODE.initSection(document.getElementById(\"section-unique-0\"));<\/script><\/div><\/section><div data-parent=\"true\" class=\"vc_row style-color-xsdn-bg row-container onepage-section\" data-label=\"features\" data-name=\"features\" id=\"sec_start\"><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_center column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell  vc_custom_1508767820331 no-block-padding\" style=\"padding-top: 20px ;\" ><div class=\"uncont\" ><span class=\"btn-container\" ><a href=\"https:\/\/bscu.pos.firstclose.com\/\" class=\"custom-link btn border-width-0 btn-accent btn-round btn-icon-left\" title=\"\u00a1SOLICITA UN PR\u00c9STAMO!\" target=\"_blank\">SOLICITE AHORA<\/a><\/span><\/div><\/div><\/div><\/div><\/div><script id=\"script-sec_start\" data-row=\"script-sec_start\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"sec_start\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row style-color-xsdn-bg vc_custom_1628195641810 row-container\" style=\"padding-top: 20px ;\" id=\"row-unique-1\"><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-left align_left column_parent col-lg-12 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"aio-icon-component    style_1\"><div id=\"Info-box-wrap-4898\" class=\"aio-icon-box left-icon\" style=\"\"  ><div class=\"aio-icon-left\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\"  style=\"color:#7eb8a2;font-size:48px;display:inline-block;\">\n\t<i class=\"Defaults-paint-brush\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-ibd-block\"><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-4898 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\"><span style=\"color: #000000; font-size: 18px;\">Elija una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) o un pr\u00e9stamo con garant\u00eda hipotecaria a tasa fija. Use el dinero del pr\u00e9stamo para hacer reparaciones en el hogar, consolidar facturas, pagar la matr\u00edcula, viajar y m\u00e1s.<\/span><\/div> <!-- description --><\/div> <!-- aio-ibd-block --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-1\" data-row=\"script-row-unique-1\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-1\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row style-color-gyho-bg vc_custom_1497555427705 row-container onepage-section\" data-label=\"features\" data-name=\"features\" style=\"padding-top: 20px ;\" id=\"row-unique-2\"><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"aio-icon-component    style_2\"><div id=\"Info-box-wrap-1887\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\" data-animation=\"swing\" data-animation-delay=\"03\" style=\"color:#00475f;font-size:48px;display:inline-block;\">\n\t<i class=\"Defaults-file-text\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-1887 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"desktop:20px;\",\"line-height\":\"\"}'  style=\"\">L\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria<\/h3><\/div> <!-- header --><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-1887 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\"><span style=\"color: #000000;\">Disfrute del acceso a su HELOC con cheques de conveniencia.<\/span><\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><div class=\"uavc-list-icon uavc-list-icon-wrapper ult-adjust-bottom-margin\"><ul class=\"uavc-list\"><li><div class=\"uavc-list-content\" id=\"list-icon-wrap-1879\">\n<div class=\"uavc-list-icon\" data-animation=\"\" data-animation-delay=\"03\" style=\"margin-right:5px;\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\"  style=\"color:#031c32;font-size:20px;display:inline-block;\">\n\t<i class=\"Defaults-circle-thin genderless\"><\/i>\n<\/div><\/div><\/div>\n<\/div><span  data-ultimate-target='#list-icon-wrap-1879 .uavc-list-desc'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  class=\"uavc-list-desc ult-responsive\" style=\"\"><span style=\"color: #000000;\">Podr\u00eda calificar para pedir prestado hasta 80% del valor real de su vivienda<\/span><\/p>\n<p><\/span><\/div><\/li><li><div class=\"uavc-list-content\" id=\"list-icon-wrap-6438\">\n<div class=\"uavc-list-icon\" data-animation=\"\" data-animation-delay=\"03\" style=\"margin-right:5px;\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\"  style=\"color:#031c32;font-size:20px;display:inline-block;\">\n\t<i class=\"Defaults-circle-thin genderless\"><\/i>\n<\/div><\/div><\/div>\n<\/div><span  data-ultimate-target='#list-icon-wrap-6438 .uavc-list-desc'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  class=\"uavc-list-desc ult-responsive\" style=\"\"><span style=\"color: #000000;\">Excelentes tarifas disponibles<\/span><\/span><\/div><\/li><li><div class=\"uavc-list-content\" id=\"list-icon-wrap-9671\">\n<div class=\"uavc-list-icon\" data-animation=\"\" data-animation-delay=\"03\" style=\"margin-right:5px;\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\"  style=\"color:#031c32;font-size:20px;display:inline-block;\">\n\t<i class=\"Defaults-circle-thin genderless\"><\/i>\n<\/div><\/div><\/div>\n<\/div><span  data-ultimate-target='#list-icon-wrap-9671 .uavc-list-desc'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  class=\"uavc-list-desc ult-responsive\" style=\"\"><span style=\"color: #000000;\">El inter\u00e9s que pagas puede ser deducible de impuestos<\/span><\/span><\/div><\/li><li><div class=\"uavc-list-content\" id=\"list-icon-wrap-1541\">\n<div class=\"uavc-list-icon\" data-animation=\"\" data-animation-delay=\"03\" style=\"margin-right:5px;\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\"  style=\"color:#031c32;font-size:20px;display:inline-block;\">\n\t<i class=\"Defaults-circle-thin genderless\"><\/i>\n<\/div><\/div><\/div>\n<\/div><span  data-ultimate-target='#list-icon-wrap-1541 .uavc-list-desc'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  class=\"uavc-list-desc ult-responsive\" style=\"\"><a href=\"https:\/\/bscu.pos.firstclose.com\/\" target=\"_blank\" rel=\"noopener\"><u><strong><span style=\"color: #000000;\">HAGA CLIC AQU\u00cd PARA APLICAR<\/span><\/strong><\/u><\/a><\/span><\/div><\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"wpb_column pos-top pos-center align_left column_parent col-lg-6 single-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" ><div class=\"aio-icon-component    style_2\"><div id=\"Info-box-wrap-7042\" class=\"aio-icon-box default-icon\" style=\"\"  ><div class=\"aio-icon-default\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\" data-animation=\"swing\" data-animation-delay=\"03\" style=\"color:#00475f;font-size:48px;display:inline-block;\">\n\t<i class=\"Defaults-file-text\"><\/i>\n<\/div><\/div><\/div><\/div><div class=\"aio-icon-header\" ><h3 class=\"aio-icon-title ult-responsive\"  data-ultimate-target='#Info-box-wrap-7042 .aio-icon-title'  data-responsive-json-new='{\"font-size\":\"desktop:20px;\",\"line-height\":\"\"}'  style=\"\">Pr\u00e9stamo con garant\u00eda hipotecaria<\/h3><\/div> <!-- header --><div class=\"aio-icon-description ult-responsive\"  data-ultimate-target='#Info-box-wrap-7042 .aio-icon-description'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  style=\"\"><span style=\"color: #000000;\">\u00a1Pida prestado de manera inteligente y ahorre en grande!<\/span><\/div> <!-- description --><\/div> <!-- aio-icon-box --><\/div> <!-- aio-icon-component --><div class=\"uavc-list-icon uavc-list-icon-wrapper ult-adjust-bottom-margin\"><ul class=\"uavc-list\"><li><div class=\"uavc-list-content\" id=\"list-icon-wrap-1591\">\n<div class=\"uavc-list-icon\" data-animation=\"\" data-animation-delay=\"03\" style=\"margin-right:5px;\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\"  style=\"color:#031c32;font-size:20px;display:inline-block;\">\n\t<i class=\"Defaults-circle-thin genderless\"><\/i>\n<\/div><\/div><\/div>\n<\/div><span  data-ultimate-target='#list-icon-wrap-1591 .uavc-list-desc'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  class=\"uavc-list-desc ult-responsive\" style=\"\"><span style=\"color: #000000;\">Tasas de inter\u00e9s bajas<\/span><\/span><\/div><\/li><li><div class=\"uavc-list-content\" id=\"list-icon-wrap-2613\">\n<div class=\"uavc-list-icon\" data-animation=\"\" data-animation-delay=\"03\" style=\"margin-right:5px;\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\"  style=\"color:#031c32;font-size:20px;display:inline-block;\">\n\t<i class=\"Defaults-circle-thin genderless\"><\/i>\n<\/div><\/div><\/div>\n<\/div><span  data-ultimate-target='#list-icon-wrap-2613 .uavc-list-desc'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  class=\"uavc-list-desc ult-responsive\" style=\"\"><span style=\"color: #000000;\">Sumas de pr\u00e9stamos m\u00e1s grandes<\/span><\/span><\/div><\/li><li><div class=\"uavc-list-content\" id=\"list-icon-wrap-1452\">\n<div class=\"uavc-list-icon\" data-animation=\"\" data-animation-delay=\"03\" style=\"margin-right:5px;\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\"  style=\"color:#031c32;font-size:20px;display:inline-block;\">\n\t<i class=\"Defaults-circle-thin genderless\"><\/i>\n<\/div><\/div><\/div>\n<\/div><span  data-ultimate-target='#list-icon-wrap-1452 .uavc-list-desc'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  class=\"uavc-list-desc ult-responsive\" style=\"\"><span style=\"color: #000000;\">\u00a1Un servicio BRILLANTE en el que puede confiar!<\/span><\/span><\/div><\/li><li><div class=\"uavc-list-content\" id=\"list-icon-wrap-3318\">\n<div class=\"uavc-list-icon\" data-animation=\"\" data-animation-delay=\"03\" style=\"margin-right:5px;\"><div class=\"ult-just-icon-wrapper\"><div class=\"align-icon\" style=\"text-align:center;\">\n<div class=\"aio-icon none\"  style=\"color:#031c32;font-size:20px;display:inline-block;\">\n\t<i class=\"Defaults-circle-thin genderless\"><\/i>\n<\/div><\/div><\/div>\n<\/div><span  data-ultimate-target='#list-icon-wrap-3318 .uavc-list-desc'  data-responsive-json-new='{\"font-size\":\"\",\"line-height\":\"\"}'  class=\"uavc-list-desc ult-responsive\" style=\"\"><a href=\"https:\/\/bscu.pos.firstclose.com\/\" target=\"_blank\" rel=\"noopener\"><u><strong><span style=\"color: #000000;\">HAGA CLIC AQU\u00cd PARA APLICAR<\/span><\/strong><\/u><\/a><\/span><\/div><\/li><\/ul><\/div><\/div><\/div><\/div><\/div><\/div><script id=\"script-row-unique-2\" data-row=\"script-row-unique-2\" type=\"text\/javascript\" class=\"vc_controls\">UNCODE.initRow(document.getElementById(\"row-unique-2\"));<\/script><\/div><\/div><\/div><div data-parent=\"true\" class=\"vc_row style-color-lxmt-bg vc_custom_1497555621261 row-container\" style=\"padding-top: 20px ;padding-bottom: 20px ;\" id=\"row-unique-3\"><div class=\"row limit-width row-parent\"><div class=\"wpb_row row-inner\"><div class=\"wpb_column pos-middle pos-center align_left column_parent col-lg-12 no-internal-gutter\"><div class=\"uncol style-light\"  ><div class=\"uncoltable\"><div class=\"uncell no-block-padding\" ><div class=\"uncont\" >\n\t<div class=\"wpb_raw_code wpb_raw_html\" >\n\t\t<div class=\"wpb_wrapper\">\n\t\t\t<!-- wp:html -->\n<div class=\"faq-container\">\n    <h2 class=\"faq-title\">Preguntas frecuentes<\/h2>\n    <div class=\"faq-search\">\n        <input type=\"text\" id=\"faq-search-input\" placeholder=\"Buscar preguntas frecuentes...\">\n    <\/div>\n    <div class=\"faq-list\">\n        <div class=\"faq-item\">\n            <button class=\"faq-question\">\n                \u00bfQu\u00e9 es una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC)?\n                <span class=\"faq-icon\"><\/span>\n            <\/button>\n            <div class=\"faq-answer\">\n                <p>Una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) es una l\u00ednea de cr\u00e9dito renovable garantizada por su vivienda y es el tipo de financiamiento hipotecario m\u00e1s flexible disponible. Las HELOC son una forma conveniente de financiar pr\u00e1cticamente cualquier cosa, incluyendo mejoras o reparaciones en el hogar, educaci\u00f3n, la compra de un veh\u00edculo o la consolidaci\u00f3n de saldos con tasas de inter\u00e9s m\u00e1s altas. Los pagos mensuales se aplican tanto al capital como a los intereses. La parte aplicada al saldo pendiente del capital queda disponible para su posterior uso.<\/p>\n            <\/div>\n        <\/div>\n        <div class=\"faq-item\">\n            <button class=\"faq-question\">\n                \u00bfPor qu\u00e9 abrir un HELOC?\n                <span class=\"faq-icon\"><\/span>\n            <\/button>\n            <div class=\"faq-answer\">\n                <p>Las tasas de inter\u00e9s para l\u00edneas de cr\u00e9dito y pr\u00e9stamos con garant\u00eda hipotecaria suelen ser m\u00e1s bajas que para otras formas de cr\u00e9dito, ya que su vivienda se utiliza como garant\u00eda, lo que significa que el riesgo para el prestamista es menor que con un pr\u00e9stamo sin garant\u00eda. Una tasa m\u00e1s baja significa un menor costo para usted.<\/p>\n                <p>Las l\u00edneas de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) son una forma conveniente de financiar casi cualquier cosa, incluidas mejoras o reparaciones del hogar, educaci\u00f3n, compra de un veh\u00edculo o consolidaci\u00f3n de saldos con tasas de inter\u00e9s m\u00e1s altas.<\/p>\n            <\/div>\n        <\/div>\n        <div class=\"faq-item\">\n            <button class=\"faq-question\">\n                \u00bfEl tipo de inter\u00e9s es fijo o variable?\n                <span class=\"faq-icon\"><\/span>\n            <\/button>\n            <div class=\"faq-answer\">\n                <p>Nuestra l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) tiene una tasa variable que cambia cada junio y diciembre, vinculada a la tasa preferencial vigente (seg\u00fan se publica en la secci\u00f3n de tasas monetarias del Wall Street Journal). Adem\u00e1s, la l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria incluye la opci\u00f3n de retirar parte o la totalidad de su saldo disponible con una de varias opciones de tasa fija. A medida que reduce el capital adeudado, esos fondos quedan disponibles para su uso posterior.<\/p>\n            <\/div>\n        <\/div>\n        <div class=\"faq-item\">\n            <button class=\"faq-question\">\n                \u00bfHay costos de cierre en un HELOC?\n                <span class=\"faq-icon\"><\/span>\n            <\/button>\n            <div class=\"faq-answer\">\n                <p>BrightStar cubre los costos de cierre en las l\u00edneas inferiores a $250,000. En las l\u00edneas superiores a $250,000, usted paga la tasaci\u00f3n de la propiedad. Le cobraremos el impuesto estatal de Florida (sello documental) de 35 centavos por cada $100 en todas las l\u00edneas.<\/p>\n            <\/div>\n        <\/div>\n        <div class=\"faq-item\">\n            <button class=\"faq-question\">\n                \u00bfCu\u00e1les son los t\u00e9rminos de un HELOC?\n                <span class=\"faq-icon\"><\/span>\n            <\/button>\n            <div class=\"faq-answer\">\n                <p>Una l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria (HELOC) tiene dos per\u00edodos: un per\u00edodo de disposici\u00f3n y un per\u00edodo de amortizaci\u00f3n. El per\u00edodo de disposici\u00f3n es de 10 a\u00f1os, durante los cuales usted tiene acceso continuo a los fondos disponibles y puede usarlos como desee. Realiza pagos mensuales que consisten en capital e intereses. Durante el per\u00edodo de amortizaci\u00f3n, ya no puede adelantar fondos de la l\u00ednea de cr\u00e9dito con garant\u00eda hipotecaria y debe continuar pagando capital e intereses. El nuevo pago m\u00ednimo garantizar\u00e1 que el saldo se pague en un m\u00e1ximo de 15 a\u00f1os adicionales o antes de la fecha de vencimiento. La tasa de inter\u00e9s del saldo sigue siendo variable.<\/p>\n            <\/div>\n        <\/div>\n        <div class=\"faq-item\">\n            <button class=\"faq-question\">\n                \u00bfCu\u00e1les son las diferencias entre los pr\u00e9stamos con garant\u00eda hipotecaria y las l\u00edneas de cr\u00e9dito con garant\u00eda hipotecaria?\n                <span class=\"faq-icon\"><\/span>\n            <\/button>\n            <div class=\"faq-answer\">\n                <p>Con un Pr\u00e9stamo con Garant\u00eda Hipotecaria, los fondos se reciben en un solo pago, a diferencia de una L\u00ednea de Cr\u00e9dito con Garant\u00eda Hipotecaria, que permite solicitar pr\u00e9stamos seg\u00fan sea necesario. Los pagos y las tasas de inter\u00e9s de un Pr\u00e9stamo con Garant\u00eda Hipotecaria no var\u00edan durante la vigencia del pr\u00e9stamo. Los plazos disponibles para los Pr\u00e9stamos con Garant\u00eda Hipotecaria son de 10, 15 o 20 a\u00f1os.<\/p>\n            <\/div>\n        <\/div>\n        <div class=\"faq-item\">\n            <button class=\"faq-question\">\n                \u00bfPor qu\u00e9 abrir un pr\u00e9stamo con garant\u00eda hipotecaria?\n                <span class=\"faq-icon\"><\/span>\n            <\/button>\n            <div class=\"faq-answer\">\n                <p>Hay plazos m\u00e1s largos disponibles para un pr\u00e9stamo con garant\u00eda hipotecaria. Puede elegir un plazo de 5, 10, 15 o 20 a\u00f1os con pagos que se ajusten mejor a su presupuesto. Los pr\u00e9stamos con garant\u00eda hipotecaria son una forma conveniente de financiar casi cualquier cosa, incluyendo mejoras o reparaciones en el hogar, educaci\u00f3n, la compra de un veh\u00edculo o la consolidaci\u00f3n de saldos con tasas de inter\u00e9s m\u00e1s altas.<\/p>\n            <\/div>\n        <\/div>\n        <div class=\"faq-item\">\n            <button class=\"faq-question\">\n                \u00bfHay costos de cierre en un pr\u00e9stamo con garant\u00eda hipotecaria?\n                <span class=\"faq-icon\"><\/span>\n            <\/button>\n            <div class=\"faq-answer\">\n                <p>S\u00ed. 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SOLICITE EN L\u00cdNEA.<\/p>","protected":false},"author":8,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-3893","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.4 (Yoast SEO v26.4) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>South Florida HELOC (Home Equity Line Of Credit) - BrightStar Credit Union<\/title>\n<meta name=\"description\" content=\"BrightStar Credit Union offers South Florida Home Equity Line of Credit. 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