{"id":12844,"date":"2024-03-11T18:29:40","date_gmt":"2024-03-11T18:29:40","guid":{"rendered":"https:\/\/www.azcentralcu.org\/?page_id=12844"},"modified":"2026-05-18T20:11:32","modified_gmt":"2026-05-18T20:11:32","slug":"hogar-por-menos","status":"publish","type":"page","link":"https:\/\/www.azcentralcu.org\/es\/hogar-por-menos\/","title":{"rendered":"Hogar Por Menos"},"content":{"rendered":"<p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container has-pattern-background has-mask-background hundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-content-wrap\" style=\"width:calc( 100% + 20px ) !important;max-width:calc( 100% + 20px ) !important;margin-left: calc(-20px \/ 2 );margin-right: calc(-20px \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_3_5 3_5 fusion-flex-column\" style=\"--awb-padding-top:96px;--awb-padding-right:15%;--awb-padding-bottom:96px;--awb-padding-left:15%;--awb-overflow:hidden;--awb-bg-color:var(--awb-custom_color_1);--awb-bg-color-hover:var(--awb-custom_color_1);--awb-bg-size:cover;--awb-border-radius:0px 100px 100px 0px;--awb-width-large:60%;--awb-spacing-right-large:10px;--awb-spacing-left-large:10px;--awb-width-medium:60%;--awb-order-medium:0;--awb-spacing-right-medium:10px;--awb-spacing-left-medium:10px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:24px;--awb-spacing-left-small:10px;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-one\" style=\"--awb-text-color:var(--awb-color1);--awb-margin-bottom:24px;--awb-font-size:64px;\"><h1 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:64;line-height:1.03;\">Hogar Por Menos<\/h1><\/div><div class=\"fusion-text fusion-text-1 fusion-text-no-margin\" style=\"--awb-font-size:22px;--awb-line-height:26px;--awb-text-color:var(--awb-color1);--awb-margin-bottom:32px;\"><p>\u00a1La casa de tus sue\u00f1os hecha realidad!<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-custom_color_1);--button_accent_hover_color:var(--awb-custom_color_1);--button_border_hover_color:var(--awb-custom_color_1);--button_gradient_top_color:var(--awb-color1);--button_gradient_bottom_color:var(--awb-color1);--button_gradient_top_color_hover:hsla(var(--awb-custom_color_5-h),calc(var(--awb-custom_color_5-s) - 5%),calc(var(--awb-custom_color_5-l) - 10%),var(--awb-custom_color_5-a));--button_gradient_bottom_color_hover:hsla(var(--awb-custom_color_5-h),calc(var(--awb-custom_color_5-s) - 5%),calc(var(--awb-custom_color_5-l) - 10%),var(--awb-custom_color_5-a));\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/azcentralcu.mymortgage-online.com\/\"><span class=\"fusion-button-text\">Aplica Ahora<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_2_5 2_5 fusion-flex-column\" style=\"--awb-padding-top:60px;--awb-padding-bottom:60px;--awb-overflow:hidden;--awb-bg-image:url(&#039;https:\/\/www.azcentralcu.org\/wp-content\/uploads\/2024\/03\/115-Home4Less.jpg&#039;);--awb-bg-position:center center;--awb-bg-size:cover;--awb-border-radius:100px 0px 0px 100px;--awb-width-large:40%;--awb-spacing-right-large:10px;--awb-spacing-left-large:10px;--awb-width-medium:40%;--awb-order-medium:0;--awb-spacing-right-medium:10px;--awb-spacing-left-medium:10px;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:10px;--awb-spacing-left-small:24px;\" data-motion-effects=\"[{&quot;type&quot;:&quot;&quot;,&quot;scroll_type&quot;:&quot;transition&quot;,&quot;scroll_direction&quot;:&quot;up&quot;,&quot;transition_speed&quot;:&quot;1&quot;,&quot;fade_type&quot;:&quot;in&quot;,&quot;scale_type&quot;:&quot;up&quot;,&quot;initial_scale&quot;:&quot;1&quot;,&quot;max_scale&quot;:&quot;1.5&quot;,&quot;min_scale&quot;:&quot;0.5&quot;,&quot;initial_rotate&quot;:&quot;0&quot;,&quot;end_rotate&quot;:&quot;30&quot;,&quot;initial_blur&quot;:&quot;0&quot;,&quot;end_blur&quot;:&quot;3&quot;,&quot;start_element&quot;:&quot;top&quot;,&quot;start_viewport&quot;:&quot;bottom&quot;,&quot;end_element&quot;:&quot;bottom&quot;,&quot;end_viewport&quot;:&quot;top&quot;,&quot;mouse_effect&quot;:&quot;track&quot;,&quot;mouse_effect_direction&quot;:&quot;opposite&quot;,&quot;mouse_effect_speed&quot;:&quot;2&quot;,&quot;infinite_animation&quot;:&quot;float&quot;,&quot;infinite_animation_speed&quot;:&quot;2&quot;}]\" data-scroll-devices=\"small-visibility,medium-visibility,large-visibility\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column fusion-column-has-bg-image\" data-bg-url=\"https:\/\/www.azcentralcu.org\/wp-content\/uploads\/2024\/03\/115-Home4Less.jpg\"><div class=\"fusion-separator fusion-full-width-sep\" style=\"align-self: center;margin-left: auto;margin-right: auto;width:100%;\"><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:35px;--awb-padding-bottom:30px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-spacing-right-large:1.92%;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-2\"><p style=\"text-align: center;\">Cuando la mayor\u00eda de las personas piensa en comprar una casa, eval\u00faan si cuenta con el dinero suficiente para el pago inicial y si pueden afrontar el pago mensual de la hipoteca. Los costos de adquirir una casa pueden ascender a miles de d\u00f3lares, lo que convierte el sue\u00f1o de comprar una vivienda en solo un <i>sue\u00f1o<\/i>!<\/p>\n<p style=\"text-align: center;\">\u00a1Ah\u00ed es donde el <i><b>Programa de Reembolso Hipotecario Home4Less<\/b><\/i> de Arizona Central puede ayudarte!<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:19px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-spacing-right-large:3.84%;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-aspect-ratio:1 \/ 1;--awb-max-width:420px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div style=\"display:inline-block;width:420px;\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none has-aspect-ratio circles\" style=\"border-radius:999px;\"><img decoding=\"async\" width=\"470\" height=\"450\" title=\"Home4Less-Module-5-26\" src=\"https:\/\/www.azcentralcu.org\/wp-content\/uploads\/2026\/05\/Home4Less-Module-5-26.png\" class=\"img-responsive wp-image-12836 img-with-aspect-ratio\" alt \/><\/span><\/div><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-spacing-right-large:3.84%;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-2 fusion-sep-none fusion-title-text fusion-title-size-two\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:46;line-height:var(--awb-typography2-line-height);\">Hogar Por Menos<br \/>\n<i>(Home4Less)<\/i><\/h2><\/div><div class=\"fusion-text fusion-text-3\"><p>Si resides en el condado de Maricopa, \u00a1ahora te ofrecemos una forma no convencional de hacer realidad tu sue\u00f1o de tener tu hogar propio! Si adquieres a trav\u00e9s de nuestra red de agentes inmobiliarios y compa\u00f1\u00edas de t\u00edtulos con las que nos hemos asociado, podemos reducir significativamente tus costos de cierre mediante con nuestro programa de reembolso hipotecario de \u00abefectivo al cierre\u00bb. Este reembolso se aplicar\u00e1 directamente a los gastos de cierre y a otros costos de transacci\u00f3n en los que incurras. Combina esto con nuestras opciones sin pago inicial y nuestra disposici\u00f3n a considerar cualquier historial crediticio previo; \u00a1es el momento perfecto para hacer realidad tu sue\u00f1o de ser propietario de una vivienda! \u00bfSi tambi\u00e9n est\u00e1s vendiendo tu casa actual? \u00a1Puedes recibir el mismo reembolso!<\/p>\n<h5 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 22; line-height: 1.1; --minfontsize: 22;\" data-fontsize=\"22\" data-lineheight=\"24.2px\">*Esto es lo que recibir\u00e1s:<\/h5>\n<ul>\n<li>Un cr\u00e9dito de hasta $500 para la tasaci\u00f3n al momento del cierre.<\/li>\n<li>Tu agente inmobiliario aportar\u00e1 un porcentaje de la comisi\u00f3n que recibas del vendedor para cubrir los gastos del cierre.<\/li>\n<li>Tu compa\u00f1\u00eda de t\u00edtulos aprobada te ofrecer\u00e1 un descuento en la tarifa de dep\u00f3sito en garant\u00eda (escrow).<\/li>\n<\/ul>\n<p>Para consultar las tasas hipotecarias actuales, llama al <b>(602) 264-6421<\/b> ext. 8189 o llamada gratis al <b>(866) 264-6421<\/b> ext. 8189.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-2 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/azcentralcu.mymortgage-online.com\/\"><span class=\"fusion-button-text\">ApLica Ahora<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-spacing-right-large:3.84%;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:1;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-3 fusion-sep-none fusion-title-text fusion-title-size-two\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:46;line-height:var(--awb-typography2-line-height);\">C\u00f3mo empezar<\/h2><\/div><div class=\"fusion-text fusion-text-4\"><p><b>Es simple.<\/b><\/p>\n<ul>\n<li>Ponte en contacto con uno de los agentes inmobiliarios de nuestra red de socios (a continuaci\u00f3n).<\/li>\n<li>Elije una compa\u00f1\u00eda de t\u00edtulos que utilizaras a lo largo de tu proceso de compra.<\/li>\n<li>Informa a tu oficial de pr\u00e9stamos hipotecarios de Arizona Central lo m\u00e1s pronto posible, con qu\u00e9 agente inmobiliario, y qu\u00e9 compa\u00f1\u00eda de t\u00edtulos estas trabajando.<\/li>\n<\/ul>\n<p>Pongamos esto en perspectiva. As\u00ed podras apreciar el ahorro que obtendras:<\/p>\n<ul>\n<li>Con un precio de compra de <b>$250,000<\/b>, podr\u00edas ahorrar m\u00e1s de <i>$1,500.<\/i><\/li>\n<li>Con un precio de compra de <b>$300,000<\/b>, la cifra podr\u00eda superar los <i>$1,800<\/i>.<\/li>\n<li>\u00a1Y los ahorros aumentan a partir de ah\u00ed! \u00a1Cuanto m\u00e1s alto sea el precio de compra, mayor ser\u00e1 la cantidad de efectivo que recibas para los gastos del cierre!<\/li>\n<\/ul>\n<p>Para consultar las tasas hipotecarias actuales, llama al<b> (602) 264-6421 <\/b>ext. 8189 o llamada gratis al<b> (866) 264-6421 <\/b>ext. 8189.<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-3 fusion-button-default-span fusion-button-default-type\" target=\"_self\" href=\"https:\/\/azcentralcu.mymortgage-online.com\/\"><span class=\"fusion-button-text\">Aplica Ahora<\/span><\/a><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-6 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-spacing-right-large:3.84%;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element \" style=\"text-align:center;--awb-aspect-ratio:1 \/ 1;--awb-max-width:420px;--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><div style=\"display:inline-block;width:420px;\"><span class=\" fusion-imageframe imageframe-none imageframe-2 hover-type-none has-aspect-ratio dots\" style=\"border-radius:999px;\"><img decoding=\"async\" width=\"470\" height=\"450\" title=\"GettyImages-999411402\" src=\"https:\/\/www.azcentralcu.org\/wp-content\/uploads\/2024\/03\/GettyImages-999411402.jpg\" class=\"img-responsive wp-image-4535 img-with-aspect-ratio\" alt \/><\/span><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1248px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-7 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-spacing-right-large:3.84%;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-4 fusion-sep-none fusion-title-text fusion-title-size-two\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:46;line-height:var(--awb-typography2-line-height);\">Agentes inmobiliarios asociados<\/h2><\/div><div class=\"fusion-text fusion-text-5\"><p><strong><span style=\"font-family: 'Basic Sans Bold';\" data-fusion-font=\"true\">Jannan Tomou, <\/span><i><span style=\"font-family: 'Basic Sans Bold';\" data-fusion-font=\"true\">Prestige Realty<\/span><\/i><\/strong><br \/>\n<a href=\"mailto:janthomesales@gmail.com\">janthomesales@gmail.com<\/a><br \/>\n(623) 297-4110<\/p>\n<p><b><strong><span style=\"font-family: 'Basic Sans Bold';\" data-fusion-font=\"true\">Woody Livingston, <\/span><i><span style=\"font-family: 'Basic Sans Bold';\" data-fusion-font=\"true\">Home Smart<\/span><\/i><\/strong><\/b><br \/>\n<a href=\"mailto:woody@woodylivingston.com\">woody@woodylivingston.com<\/a><br \/>\n(602) 206-9557<\/p>\n<p><strong>Maricruz Martinez (habla Espa\u00f1ol),<i> eXp Realty<br \/>\n<\/i><\/strong><span style=\"letter-spacing: 0.24px; background-color: rgba(0, 0, 0, 0);\"><a href=\"mailto:Team@marrep.com\">Team@marrep.com<\/a><br \/>\n<\/span><span style=\"letter-spacing: 0.24px; background-color: rgba(0, 0, 0, 0);\">(602) 663-4874<\/span><\/p>\n<p><b style=\"font-family: 'Basic Sans Bold';\" data-fusion-font=\"true\">Deborah Ca\u00f1ez,<\/b><i><b><span style=\"font-family: 'Basic Sans Bold';\" data-fusion-font=\"true\"> Bliss Realty<\/span> <\/b><span style=\"font-family: Basic Sans Bold;\"><b><br \/>\n<\/b><\/span><\/i><span style=\"background-color: rgba(0, 0, 0, 0); letter-spacing: 0.24px;\"><a href=\"mailto:deborahcanez@blissrealtyaz.com\">deborahcanez@blissrealtyaz.com<\/a>, <a href=\"mailto:debsyourhomegirl@gmail.com\">debsyourhomegirl@gmail.com<\/a><br \/>\n<\/span><span style=\"background-color: rgba(0, 0, 0, 0); letter-spacing: 0.24px;\">(602) 396-8107<\/span><\/p>\n<p><span style=\"background-color: rgba(0, 0, 0, 0); letter-spacing: 0.24px;\"><b><span style=\"font-family: 'Basic Sans Bold';\" data-fusion-font=\"true\">Jonel Kern, <\/span><i><span style=\"font-family: 'Basic Sans Bold';\" data-fusion-font=\"true\">Realty One Group<\/span><\/i><\/b><br \/>\n<a href=\"mailto:jkern@mynewazhome.com\">jkern@mynewazhome.com<\/a><br \/>\n(602) 717-4719<\/span><\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-8 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-spacing-right-large:3.84%;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-5 fusion-sep-none fusion-title-text fusion-title-size-two\"><h2 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;--fontSize:46;line-height:var(--awb-typography2-line-height);\">Compa\u00f1\u00edas de t\u00edtulos<\/h2><\/div><div class=\"fusion-text fusion-text-6\"><p><strong>Paula Hanna, Branch Manager<br \/>\n<\/strong><b><i>Empire Title<\/i><\/b><br \/>\n<a href=\"mailto:phanna@ewtaz.com\">phanna@ewtaz.com<\/a><br \/>\n(602) 674-7659<\/p>\n<p><strong>Jacque Olson, AVP\/Branch Manager<i><br \/>\n<\/i><\/strong><i><b>Lawyers Title<\/b><\/i><br \/>\n<a href=\"mailto:jacque.olson@ltic.com\">jacque.olson@ltic.com<\/a><br \/>\n(602) 474-5144<\/p>\n<\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-9 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:100%;--awb-spacing-right-large:1.92%;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-7\" style=\"--awb-font-size:12px;--awb-margin-top:64px;\"><p><i>*El solicitante debe inscribirse en HOME4LESS notificando a su Oficial de Pr\u00e9stamos Hipotecarios de Arizona Central Credit Union en el momento de realizar la solicitud. El solicitante debe utilizar un agente inmobiliario y una compa\u00f1\u00eda de t\u00edtulos participantes de la red HOME4LESS para poder recibir el beneficio de cr\u00e9dito de reembolso. El beneficio de cr\u00e9dito de reembolso debe destinarse a cubrir los costos de cierre y se detallar\u00e1 en la Declaraci\u00f3n de Cierre Hipotecario. El beneficio de cr\u00e9dito de reembolso est\u00e1 sujeto a las pautas de evaluaci\u00f3n de riesgos (underwriting). El beneficio de cr\u00e9dito de reembolso consiste en hasta un 20% de la comisi\u00f3n del agente inmobiliario participante, un descuento en las tarifas de t\u00edtulos y un reembolso de hasta $475 por la tasaci\u00f3n. El monto que recibir\u00e1 el prestatario depender\u00e1 del precio de compra de la vivienda, de las comisiones obtenidas por el agente inmobiliario y de los l\u00edmites del programa hipotecario con respecto a las &#8220;contribuciones de partes interesadas&#8221;. La tarifa de tasaci\u00f3n podr\u00eda ser m\u00e1s elevada dependiendo del tipo de propiedad. La tarifa de tasaci\u00f3n deber\u00e1 ser pagada por el miembro en el momento de realizarse la tasaci\u00f3n y se le reembolsar\u00e1 en el momento del desembolso del pr\u00e9stamo con Arizona Central Credit Union. Podr\u00edan aplicarse restricciones adicionales. Esta oferta puede combinarse con otras ofertas y promociones de Arizona Central Credit Union. Si la propiedad se vende o se refinancia, no ser\u00e1 necesario devolver el cr\u00e9dito aplicado a los costos de cierre. Esta oferta puede ser modificada o revocada en cualquier momento. Los pr\u00e9stamos comerciales y los pr\u00e9stamos con garant\u00eda hipotecaria (home equity loans) no califican.<\/i><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":7,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"100-width.php","meta":{"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Hogar Por Menos - Arizona Central Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.azcentralcu.org\/es\/hogar-por-menos\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Hogar Por Menos - Arizona Central Credit Union\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.azcentralcu.org\/es\/hogar-por-menos\/\" \/>\n<meta property=\"og:site_name\" content=\"Arizona Central Credit Union\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-18T20:11:32+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Hogar Por Menos - Arizona Central Credit Union","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.azcentralcu.org\/es\/hogar-por-menos\/","og_locale":"es_ES","og_type":"article","og_title":"Hogar Por Menos - Arizona Central Credit Union","og_url":"https:\/\/www.azcentralcu.org\/es\/hogar-por-menos\/","og_site_name":"Arizona Central Credit Union","article_modified_time":"2026-05-18T20:11:32+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.azcentralcu.org\/es\/hogar-por-menos\/","url":"https:\/\/www.azcentralcu.org\/es\/hogar-por-menos\/","name":"Hogar Por Menos - Arizona Central Credit Union","isPartOf":{"@id":"https:\/\/www.azcentralcu.org\/es\/#website"},"datePublished":"2024-03-11T18:29:40+00:00","dateModified":"2026-05-18T20:11:32+00:00","breadcrumb":{"@id":"https:\/\/www.azcentralcu.org\/es\/hogar-por-menos\/#breadcrumb"},"inLanguage":"es-ES","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.azcentralcu.org\/es\/hogar-por-menos\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.azcentralcu.org\/es\/hogar-por-menos\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.azcentralcu.org\/es\/"},{"@type":"ListItem","position":2,"name":"Hogar Por Menos"}]},{"@type":"WebSite","@id":"https:\/\/www.azcentralcu.org\/es\/#website","url":"https:\/\/www.azcentralcu.org\/es\/","name":"Arizona Central Credit Union","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.azcentralcu.org\/es\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"es-ES"}]}},"_links":{"self":[{"href":"https:\/\/www.azcentralcu.org\/es\/wp-json\/wp\/v2\/pages\/12844"}],"collection":[{"href":"https:\/\/www.azcentralcu.org\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.azcentralcu.org\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.azcentralcu.org\/es\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/www.azcentralcu.org\/es\/wp-json\/wp\/v2\/comments?post=12844"}],"version-history":[{"count":7,"href":"https:\/\/www.azcentralcu.org\/es\/wp-json\/wp\/v2\/pages\/12844\/revisions"}],"predecessor-version":[{"id":12851,"href":"https:\/\/www.azcentralcu.org\/es\/wp-json\/wp\/v2\/pages\/12844\/revisions\/12851"}],"wp:attachment":[{"href":"https:\/\/www.azcentralcu.org\/es\/wp-json\/wp\/v2\/media?parent=12844"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}