{"id":24826,"date":"2025-05-19T14:10:39","date_gmt":"2025-05-19T20:10:39","guid":{"rendered":"http:\/\/34.106.141.153\/?p=24826"},"modified":"2025-08-05T11:22:25","modified_gmt":"2025-08-05T17:22:25","slug":"from-financially-invisible-to-homeowner-how-homewise-helped-one-woman-overcome-credit-hurdles","status":"publish","type":"post","link":"https:\/\/homewise.org\/es\/from-financially-invisible-to-homeowner-how-homewise-helped-one-woman-overcome-credit-hurdles\/","title":{"rendered":"De "invisible financieramente" a propietaria: C\u00f3mo Homewise ayud\u00f3 a una mujer a superar obst\u00e1culos crediticios"},"content":{"rendered":"
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De \u201cfinancieramente invisible\u201d a propietario de vivienda: \n
C\u00f3mo Homewise ayud\u00f3 a una mujer a superar los obst\u00e1culos crediticios<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Esta historia fue escrita por Cooper Metts para Albuquerque Business First y se public\u00f3 el 8 de mayo.<\/span><\/span>el<\/span><\/span>, 2025.<\/span><\/span>\u00a0<\/span><\/em><\/h3>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Despu\u00e9s de pasar a\u00f1os en el sureste, Joelda Hope regres\u00f3 a su ciudad natal de Albuquerque en 2017, cumpliendo una promesa que le hizo su esposo de que eventualmente regresar\u00edan a la Tierra del Encanto.\u00a0<\/span>\u00a0<\/span><\/p>

Hope y su esposo se mudaron de Little Rock para cuidar de sus padres ancianos en Albuquerque, donde ella creci\u00f3. \u00a0<\/span>\u00a0<\/span><\/p>

Poco despu\u00e9s de la mudanza, su madre, su padre y su marido murieron. \u00a0<\/span>\u00a0<\/span><\/p>

\u201cB\u00e1sicamente perd\u00ed a mi familia\u201d, dijo Hope.<\/span>\u00a0<\/span><\/p>

Hope hered\u00f3 la casa de su infancia y comenz\u00f3 a alquil\u00e1rsela a su sobrina y sobrino. \u00a0<\/span>\u00a0<\/span><\/p>

El alquiler de su sobrina y su sobrino pag\u00f3 el alquiler de su vivienda temporal, ya que el objetivo final de Hope era tener una vivienda propia. \u00a0<\/span>\u00a0<\/span><\/p>

Pero el esposo de Hope, quien muri\u00f3 en 2021, manejaba todas sus finanzas, lo que significa que Hope no ten\u00eda historial crediticio y esencialmente ning\u00fan registro financiero, dijo. \u00a0<\/span>\u00a0<\/span><\/p>

"Gran error", dijo Hope. "Era invisible financieramente".\u00a0<\/span>\u00a0<\/span><\/p>

Su falta de historial crediticio, sumado al hecho de que los bancos no reconoc\u00edan los ingresos que recib\u00eda de los pagos mensuales de alquiler de sus sobrinos, hicieron que calificar para un pr\u00e9stamo hipotecario y ser propietario de una vivienda pareciera fuera de su alcance. \u00a0<\/span>\u00a0<\/span><\/p>

En un estudio b\u00edblico, una amiga le recomend\u00f3 acudir a Homewise para obtener ayuda con la compra de una casa. As\u00ed que, a principios de 2024, Hope contact\u00f3 a Faby Morales, asesora de compra de viviendas de Homewise. \u00a0<\/span>\u00a0<\/span><\/p>

\u201cQu\u00e9 hermosa introducci\u00f3n fue esa\u201d, dijo Hope. \u00a0<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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En las reuniones iniciales de Hope y Morales, ambos identificaron los objetivos de Hope al trabajar con Homewise: comprar una casa nueva y conservar la casa heredada en la familia. \u00a0<\/span>\u00a0<\/span><\/p>

Despu\u00e9s de revisar la informaci\u00f3n de Hope, incluidos sus ingresos, deudas, ahorros, cr\u00e9dito y pago hipotecario estimado, Morales y el equipo de Homewise idearon medidas pr\u00e1cticas que podr\u00edan tomar para lograr sus objetivos. \u00a0<\/span>\u00a0<\/span><\/p>

El primer paso fue establecer un historial de cr\u00e9dito. \u00a0<\/span>\u00a0<\/span><\/p>

Ayudaron a Hope a establecer cr\u00e9dito ayud\u00e1ndola a obtener una tarjeta de cr\u00e9dito segura, asegur\u00e1ndose de que pagara los pagos mensuales a tiempo, limitando su deuda y obteniendo un puntaje crediticio, dijo Morales.<\/span>\u00a0<\/span><\/p>

El siguiente paso fue determinar qu\u00e9 deber\u00eda hacer Hope con la casa que hered\u00f3 para estar mejor posicionada para comprar una nueva. \u00a0<\/span>\u00a0<\/span><\/p>

Morales y el equipo de Homewise concluyeron que vender la casa heredada la ayudar\u00eda a alcanzar su objetivo de ser propietaria de una vivienda m\u00e1s que seguir alquil\u00e1ndola. \u00a0<\/span>\u00a0<\/span><\/p>

Con el objetivo de Hope de conservar la casa heredada en la familia, Homewise le sugiri\u00f3 venderla a su sobrina y sobrino y se ofreci\u00f3 a ayudarlos a calificar para un pr\u00e9stamo hipotecario. \u00a0<\/span>\u00a0<\/span><\/p>

\u201cEste es el hogar donde crec\u00ed y no quer\u00eda dejarlo ir\u201d, dijo Hope. \u201cPero esa frase \u2014manteng\u00e1moslo en la familia, califiquemos a nuestros sobrinos\u2014 ni siquiera la hab\u00eda considerado. As\u00ed que, al calificarlos, fue una gran satisfacci\u00f3n. No solo me ayudaron a m\u00ed, sino que ahora yo he ayudado a mis sobrinos. Fue algo maravilloso\u201d. \u00a0<\/span>\u00a0<\/span><\/p>

Al mismo tiempo, Hope necesitaba buscar una casa que quisiera comprar y en la que quisiera vivir. Lo hizo con la ayuda semanal de Ambrose Pena, agente calificado de Homewise. \u00a0<\/span>\u00a0<\/span><\/p>

Despu\u00e9s de estos pasos, todav\u00eda hab\u00eda una brecha de aproximadamente 20% a 22% entre el rango de precio de una casa que Hope pod\u00eda comprar y el rango de precio de una casa que quer\u00eda comprar, dijo la directora de operaciones de Homewise, Elena Gonzales. \u00a0<\/span>\u00a0<\/span><\/p>

Y su sobrina y su sobrino ten\u00edan una diferencia de aproximadamente 37% entre el rango de precio de una casa que pod\u00edan comprar y la cantidad que necesitar\u00edan para comprar la casa que Hope hered\u00f3, dijo Gonzales. \u00a0<\/span>\u00a0<\/span><\/p>

Entonces, los siguientes pasos de Homewise fueron encontrar fuentes de asistencia para el pago inicial para llenar las brechas entre lo que Hope, su sobrina y su sobrino pod\u00edan comprar y lo que quer\u00edan o necesitaban comprar. \u00a0<\/span><\/p>

"Eso es fundamental", dijo Rathi Casey, directora creativa de Homewise. "Aunque trabajamos con estas otras fuentes, no la enviamos a ellas para que determine c\u00f3mo encajan sus recursos (de ayuda para el pago inicial); (nosotros nos encargamos)". \u00a0<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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Homewise conect\u00f3 a Hope con tres fuentes de asistencia para el pago inicial para cubrir esa brecha, dijo Gonzales. \u00a0<\/span>\u00a0<\/span><\/p>

Una fuente de la ciudad de Albuquerque cubri\u00f3 53% de la brecha, un pr\u00e9stamo hipotecario federal a trav\u00e9s del programa Homebuyer Equity Leverage Partnership (HELP) del Bank of Dallas cubri\u00f3 33% de la brecha y Homewise mismo cubri\u00f3 13%. \u00a0<\/span>\u00a0<\/span><\/p>

Para la sobrina y el sobrino de Hope, Homewise identific\u00f3 otras tres fuentes de asistencia para el pago inicial para cerrar su brecha. \u00a0<\/span>\u00a0<\/span><\/p>

Una fuente de la ciudad de Albuquerque cerr\u00f3 44% de su brecha, un pr\u00e9stamo hipotecario federal a trav\u00e9s del programa Homebuyer Equity Leverage Partnership (HELP) del Bank of Dallas cerr\u00f3 28% de la brecha y una fuente de Housing New Mexico cerr\u00f3 28%.\u00a0<\/span>\u00a0<\/span><\/p>

"\u00bfTenemos algunas fuentes que podamos usar?", pregunt\u00f3 Gonzales. "A veces s\u00ed. Podemos combinar dos o tres fuentes (para cubrir esa necesidad). De lo contrario, la compra de una vivienda podr\u00eda quedar fuera de nuestro alcance". \u00a0<\/span>\u00a0<\/span><\/p>

El 17 de enero, aproximadamente un a\u00f1o despu\u00e9s de haber acudido inicialmente a Homewise en busca de ayuda, Hope cerr\u00f3 la compra de su nueva casa, dando por concluido el proceso de mantener la casa de su infancia en la familia y comprar una nueva casa. \u00a0<\/span>\u00a0<\/span><\/p>

\u201cEl n\u00famero 17 representa la victoria\u201d, dijo Hope. \u201cAs\u00ed lo afirmo. Ese fue un d\u00eda victorioso\u201d. \u00a0<\/span>\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\u00a1Podemos ayudarle a convertirse en propietario de una vivienda tambi\u00e9n!<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

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\n\t\t\t\t\t\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\tEmpieza hoy<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"

From ‘Financially Invisible’ To Homeowner: How Homewise Helped One Woman Overcome Credit Hurdles This story was written by Cooper Metts for Albuquerque Business First and ran on May 8th, 2025.\u00a0 After spending years in the Southeast, Joelda Hope returned to her hometown of Albuquerque in 2017, fulfilling a promise her husband made to her that […]<\/p>\n","protected":false},"author":38,"featured_media":24827,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14,1],"tags":[],"class_list":["post-24826","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-client-story","category-general"],"yoast_head":"\nFrom 'Financially Invisible' To Homeowner: How Homewise Helped One Woman Overcome Credit Hurdles<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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