{"id":2662,"date":"2026-06-22T16:12:17","date_gmt":"2026-06-22T21:12:17","guid":{"rendered":"https:\/\/www.heritagesouth.org\/loans-credit-cards\/real-estate-loans\/refinance-home\/"},"modified":"2026-10-28T15:45:38","modified_gmt":"2026-10-28T20:45:38","slug":"refinanciar-la-vivienda","status":"publish","type":"page","link":"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/real-estate-loans\/refinance-home\/","title":{"rendered":"Refinanciamiento hipotecario"},"content":{"rendered":"
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  1. Pr\u00e9stamos y Tarjetas<\/a>\n\t\t\t\t<\/polyline>\n\t\t\t<\/svg><\/li>
  2. Pr\u00e9stamos inmobiliarios<\/a>\n\t\t\t\t<\/polyline>\n\t\t\t<\/svg><\/li>
  3. Refinanciamiento hipotecario<\/li><\/ol><\/div><\/div>\t\t\t\t

    \n\t\t\t\t\tRefinanciamiento hipotecario\t\t\t\t<\/h1>\n\t\t\t\t

    Adapta tu hipoteca a tu vida hoy mismo.<\/p>\t\t\t\t\t

    \n\t\t\t\t\t\tHabla con nuestro equipo.<\/a>Consultar las tarifas actuales<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t
    \n\t\t\t\t\t\"Un\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/header>\n<\/div><\/div>\n\n
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    Revisa tu hipoteca desde una nueva perspectiva.<\/h2>

    La refinanciaci\u00f3n consiste en sustituir su hipoteca actual por una nueva. Puede ayudarle a reducir su tipo de inter\u00e9s o su cuota mensual, modificar el plazo del pr\u00e9stamo o elegir una hipoteca que se ajuste mejor a sus necesidades actuales.<\/p>\n

     <\/p>\n<\/div>\t<\/div>\n<\/div><\/div>\n\n

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    \u00bfPor qu\u00e9 considerar la refinanciaci\u00f3n?<\/h2>\t\t<\/header>\n\t\t\t\t\t
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    \t\n\t\tCalculadora<\/title>\n\t\t<rect width=\"38.964\" height=\"39.892\" x=\"10.205\" y=\"28.759\" fill=\"#acb531\" rx=\"3\"\/><rect width=\"38.964\" height=\"15.771\" x=\"10.205\" y=\"4.639\" fill=\"#fff\" rx=\"1\"\/><path fill=\"#473124\" d=\"M40.579 74.594H3.58a1.2 1.2 0 0 1-1.193-1.203V3.609c0-.661.537-1.203 1.193-1.203H54.9c.657 0 1.194.542 1.194 1.203v27.672c0 .662.537 1.203 1.194 1.203s1.193-.541 1.193-1.203V3.61c0-1.986-1.611-3.61-3.58-3.61H3.58C1.61 0 0 1.624 0 3.61v69.78C0 75.377 1.611 77 3.58 77h37c.656 0 1.193-.541 1.193-1.203s-.537-1.203-1.193-1.203\"\/><path fill=\"#473124\" d=\"M9.97 8.772c-.659 0-1.198.512-1.198 1.137v11.372c0 .625.539 1.137 1.198 1.137h39.516c.659 0 1.198-.512 1.198-1.137V9.909c0-.625-.54-1.137-1.198-1.137-.659 0-1.197.512-1.197 1.137v10.234H11.167V9.91c0-.625-.539-1.137-1.197-1.137m30.723-2.925h-2.437c-.67 0-1.218.658-1.218 1.462s.548 1.462 1.218 1.462h2.437c.67 0 1.218-.658 1.218-1.462s-.548-1.462-1.218-1.462\"\/><path fill=\"#473124\" d=\"M38.256 17.544h2.437c.67 0 1.218-.438 1.218-.974 0-.537-.548-.975-1.218-.975h-2.437c-.67 0-1.218.438-1.218.975s.548.974 1.218.974m-1.218-7.066V8.04c0-.67-.439-1.218-.975-1.218s-.974.548-.974 1.218v2.437c0 .67.438 1.218.974 1.218s.975-.548.975-1.218m6.822.001V8.04c0-.67-.438-1.218-.974-1.218s-.975.548-.975 1.218v2.437c0 .67.439 1.218.975 1.218s.975-.548.975-1.218m-8.772 2.438v2.436c0 .67.438 1.219.974 1.219s.975-.549.975-1.219v-2.436c0-.67-.439-1.219-.975-1.219s-.974.549-.974 1.219m6.822 0v2.436c0 .67.439 1.219.975 1.219s.975-.549.975-1.219v-2.436c0-.67-.439-1.219-.975-1.219s-.975.549-.975 1.219\"\/><path fill=\"#fff\" d=\"M58.91 76.536c-.31-.618-1.485-1.948-3.711-2.32-2.227-.37-5.566-1.7-6.958-2.318-2.165-1.547-7.143-5.845-9.741-10.67-1.788-3.319-2.506-4.486-2.73-4.74l-.053.102c-.048-.144-.048-.217.053-.102.833-1.54 3.376-3.628 7.369-.361l-11.133-18.09c-.773-1.238-1.855-3.99 0-5.103 2.32-1.392 4.639-.464 5.566.927.572.858 3.752 5.811 6.313 9.807-.795-1.923-.58-3.752 2.037-4.704 1.391-.31 4.546.185 6.03 4.638l.04.12c.1.05.238.158.424.344-1.237-1.855-2.783-5.844.927-6.958 2.22-.665 3.886.516 5 2.036-.248-1.318.141-2.62 1.958-3.427 4.175-1.856 6.958 4.638 7.886 6.03s6.958 12.06 6.958 15.771v5.102l.927 1.392z\"\/><path fill=\"#473124\" d=\"m76.774 63.284-.527-.8.204-2.704a7.5 7.5 0 0 0-.096-1.88c-1.029-5.348-2.788-9.872-5.385-13.837l-5.253-8.028a4.5 4.5 0 0 0-2.967-1.965 4.74 4.74 0 0 0-3.506.74 4.9 4.9 0 0 0-1.7 1.977c-1.53-1.359-3.864-1.54-5.683-.328a4.9 4.9 0 0 0-1.7 1.977c-1.53-1.358-3.864-1.54-5.683-.328a4.76 4.76 0 0 0-1.615 1.807l-4.404-6.742a4.4 4.4 0 0 0-.993-1.055v-2.401h9.573c.658 0 1.196.545 1.196 1.212s.539 1.213 1.197 1.213 1.197-.546 1.197-1.213c0-2-1.616-3.638-3.59-3.638H12.362c-1.975 0-3.59 1.637-3.59 3.638v35.169c0 2 1.615 3.638 3.59 3.638H33.9c.658 0 1.197-.546 1.197-1.213s-.539-1.212-1.197-1.212h-9.572V56.396h4.786c.658 0 1.197-.546 1.197-1.213s-.539-1.212-1.197-1.212h-4.786V43.056h9.285l6.737 10.308c-1.053-.182-2.884-.327-4.14.51-1.436.958-1.592 2.182-1.46 3.031.132.874.586 1.71 1.232 2.693l3.602 5.542c2.166 3.31 5.11 6.063 8.304 7.749.371.194.766.352 1.22.497l7.515 2.292.515.776c.227.352.61.546.993.546.227 0 .455-.06.658-.206.55-.364.706-1.128.335-1.686l-.754-1.152a1.26 1.26 0 0 0-.646-.497l-7.933-2.413a5 5 0 0 1-.802-.316c-2.836-1.504-5.468-3.965-7.419-6.936l-3.601-5.542c-.383-.595-.79-1.262-.862-1.723-.024-.157-.048-.34.419-.654.37-.255 1.4-.388 2.752-.085 1.185.267 2.07.752 2.405 1.128l2.37 3.613c.358.558 1.1.704 1.65.34a1.21 1.21 0 0 0 .336-1.674l-2.286-3.516c-.048-.061-.095-.134-.143-.194L32.596 37.09c-.323-.485-.419-1.08-.287-1.674.132-.606.49-1.14 1.017-1.491 1.077-.728 2.489-.473 3.159.545l6.521 9.993s.06.097.084.146l1.591 2.437a1.187 1.187 0 0 0 1.664.34 1.22 1.22 0 0 0 .335-1.686l-1.651-2.535a2.1 2.1 0 0 1-.228-1.576 2.45 2.45 0 0 1 1.017-1.492c1.065-.715 2.49-.473 3.16.546l2.38 3.638c.36.558 1.101.716 1.664.34a1.21 1.21 0 0 0 .335-1.686l-.874-1.346c-.323-.485-.419-1.08-.287-1.674.132-.606.49-1.14 1.017-1.491 1.077-.716 2.489-.473 3.16.545l2.44 3.724a1.187 1.187 0 0 0 1.663.34c.55-.377.706-1.129.335-1.687l-.933-1.43a2.2 2.2 0 0 1-.287-1.674 2.45 2.45 0 0 1 1.017-1.492 2.37 2.37 0 0 1 1.747-.376 2.1 2.1 0 0 1 1.4.922l5.253 8.028c2.417 3.699 4.056 7.943 5.026 12.964.072.388.095.8.06 1.225l-.24 3.116c-.024.267.048.534.192.764l.753 1.153a1.197 1.197 0 0 0 1.664.34c.55-.377.706-1.129.335-1.687zm-54.84-22.653h-4.786c-.658 0-1.196.546-1.196 1.213s.538 1.212 1.196 1.212h4.787v10.915h-4.787c-.658 0-1.196.545-1.196 1.212s.538 1.213 1.196 1.213h4.787v10.915h-9.573a1.21 1.21 0 0 1-1.197-1.213V30.929c0-.667.539-1.212 1.197-1.212h9.573zm10.076-8.695a4.86 4.86 0 0 0-2.034 2.983 4.6 4.6 0 0 0 .634 3.541l1.412 2.17h-7.694V29.718h10.769v1.455a4.7 4.7 0 0 0-3.087.776z\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Reduce tu pago mensual<\/h3><div class=\"co-card--desc text-component\"><p>Un tipo de inter\u00e9s m\u00e1s bajo o un plazo de pr\u00e9stamo m\u00e1s largo pueden reducir su cuota mensual y darle m\u00e1s margen a su presupuesto.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Calendar\"\n\t\tviewbox=\"0 0 85 75\"\n\t\twidth=\"85\"\n\t\theight=\"75\"\n\t>\n\t\t<title>Calendario<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M18.977 19.693a4.77 4.77 0 0 1-4.765-4.765V10H9.846a7.1 7.1 0 0 0-7.096 7.096v5.807h78.577v-5.807A7.1 7.1 0 0 0 74.231 10H70.05v4.928a4.77 4.77 0 0 1-4.764 4.765 4.77 4.77 0 0 1-4.765-4.765V8.435h-2.27c0 .062.041.123.041.184a1.38 1.38 0 0 1-1.38 1.38H25.848a1.38 1.38 0 0 1-1.38-1.38c0-.06.03-.122.04-.184h-.766v6.493a4.77 4.77 0 0 1-4.765 4.765m52.719 5.961H2.75v2.576h68.946z\"\/><path fill=\"#fff\" d=\"M16.963 14.928c0 1.104.9 2.014 2.014 2.014s2.014-.9 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4.765v2.484H9.846C4.417 7.25 0 11.666 0 17.096v47.442c0 5.43 4.417 9.847 9.846 9.847h64.385c5.43 0 9.847-4.417 9.847-9.847V17.096c0-5.43-4.417-9.847-9.847-9.847m-8.936 9.692c-1.104 0-2.014-.9-2.014-2.014V4.765c0-1.105.9-2.015 2.014-2.015s2.014.9 2.014 2.015v10.163c0 1.104-.9 2.014-2.014 2.014m6.4 8.712h9.643v38.884a7.1 7.1 0 0 1-7.096 7.096H9.846a7.1 7.1 0 0 1-7.096-7.096V30.991h69.6a1.381 1.381 0 0 0 0-2.76H2.75v-2.577zM18.978 2.75c1.104 0 2.014.9 2.014 2.015v10.163c0 1.104-.9 2.014-2.014 2.014s-2.014-.9-2.014-2.014V4.765c0-1.105.9-2.015 2.014-2.015\"\/><path fill=\"#473124\" d=\"M37.218 37.228h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m16.196 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m15.245 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m-46.686 8.569h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m15.245 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m16.196 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m15.245 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m-46.686 8.138h-7.157a1.381 1.381 0 0 0 0 2.761h7.157a1.381 1.381 0 0 0 0-2.76m15.245-.001h-7.157a1.381 1.381 0 0 0 0 2.761h7.157a1.381 1.381 0 0 0 0-2.76m16.196-.001h-7.157a1.381 1.381 0 0 0 0 2.761h7.157a1.381 1.381 0 0 0 0-2.76m15.245-.001h-7.157a1.381 1.381 0 0 0 0 2.761h7.157a1.381 1.381 0 0 0 0-2.76m-46.686 8.568h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m15.245 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76m16.196 0h-7.157a1.381 1.381 0 0 0 0 2.76h7.157a1.381 1.381 0 0 0 0-2.76\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Modifique el plazo de su pr\u00e9stamo.<\/h3><div class=\"co-card--desc text-component\"><p>Un plazo m\u00e1s corto puede ayudarte a pagar tu casa antes, mientras que un plazo m\u00e1s largo puede reducir tu cuota mensual. Te ayudaremos a entender c\u00f3mo afecta cada opci\u00f3n al coste total.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Graph\"\n\t\tviewbox=\"0 0 91 63\"\n\t\twidth=\"91\"\n\t\theight=\"63\"\n\t>\n\t\t<title>Gr\u00e1fico<\/title>\n\t\t<path fill=\"#fff\" d=\"M10.17 39.735c-.148.98-.047 1.976-.076 2.96.011 5.678-.012 11.35.011 17.028 2.884.041 5.761 0 8.644-.006.024-6.65.113-13.301.024-19.946-2.86-.13-5.737-.071-8.596-.036z\"\/><path fill=\"#b5be34\" d=\"M30.805 20.383c-.143 1.893-.03 3.791-.06 5.684 0 11.218-.047 22.431.036 33.65 2.86.035 5.719.011 8.578-.03-.035-13.093.006-26.193-.011-39.286-2.842-.107-5.702-.077-8.543-.024z\"\/><path fill=\"#fff\" d=\"M51.343 28.879c-.059 10.275-.03 20.556-.011 30.832 2.871.023 5.748.012 8.62 0-.012-10.3.089-20.598-.054-30.892-2.847 0-5.713-.136-8.555.066z\"\/><path fill=\"#b5be34\" d=\"M72.001 3.172c-.012 18.848-.036 37.697.024 56.539 2.83.065 5.66-.006 8.495.011.06-18.848.018-37.702.048-56.55a458 458 0 0 0-8.567 0\"\/><path fill=\"#473124\" d=\"M89.716 59.758c-1.952-.071-3.904-.006-5.856-.047-.035-18.528-.005-37.056-.035-55.578.095-1.317-.338-2.758-1.472-3.524-.984-.706-2.242-.587-3.387-.605-2.373.012-4.746-.03-7.12.024-1.702 0-3.102 1.614-3.096 3.269-.047 18.8.047 37.601-.036 56.402-1.839.03-3.684.041-5.523.006-.077-10.276 0-20.551-.071-30.826-.006-1.691-1.465-3.186-3.15-3.24-2.747-.07-5.494.006-8.24-.035-1.354-.066-2.724.706-3.282 1.952-.528 1.062-.279 2.272-.314 3.405-.018 9.587.041 19.168-.018 28.75-1.863-.012-3.726.012-5.583-.018-.017-13.123.024-26.24-.023-39.363-.06-1.673-1.555-3.103-3.222-3.121-2.236-.071-4.473 0-6.704-.036-.967 0-1.97-.1-2.889.256-1.329.504-2.225 1.916-2.165 3.328 0 12.986.012 25.967-.006 38.954-1.828 0-3.649.047-5.47-.03-.03-6.033-.053-12.073-.042-18.106-.047-1.092.143-2.273-.391-3.275-.582-1.216-2-1.81-3.293-1.774-2.61 0-5.215-.018-7.825.006-1.258-.018-2.569.593-3.18 1.726-.6.997-.41 2.207-.433 3.316-.006 6.046.042 12.097-.018 18.143-1.94.053-3.892-.048-5.826.065-1.59.41-1.293 3.126.386 3.115 29.2-.024 58.401 0 87.602-.006.64.023 1.418-.09 1.738-.73.552-.896.065-2.314-1.062-2.409zm-70.967-.041c-2.883 0-5.76.047-8.643.006-.018-5.678 0-11.35-.012-17.027.03-.991-.077-1.982.077-2.96 2.865-.036 5.737-.095 8.596.035.095 6.65 0 13.301-.023 19.946zm12.032 0c-.09-11.213-.03-22.432-.036-33.65.03-1.893-.089-3.797.06-5.684 2.841-.053 5.7-.083 8.543.024.023 13.093-.018 26.187.011 39.286-2.86.041-5.719.06-8.578.03zm29.17-.012c-2.87.018-5.748.023-8.62 0-.017-10.276-.047-20.557.012-30.832 2.842-.202 5.702-.066 8.555-.066.143 10.294.042 20.599.054 30.892zm20.57.018c-2.83-.024-5.666.053-8.496-.012-.06-18.848-.036-37.696-.024-56.539a589 589 0 0 1 8.567 0c-.03 18.848.012 37.702-.048 56.55\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Revise su tarifa actual<\/h3><div class=\"co-card--desc text-component\"><p>Vea c\u00f3mo se compara su hipoteca actual con las opciones disponibles hoy en d\u00eda y si el ahorro potencial justifica el costo de la refinanciaci\u00f3n.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__single-path-cta co-flex_row__long-form-text\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-long_form\">\n\t\t\t\t\t<div class=\"co-long_form--block prow items-center\">\n\t\t\t\t<div class=\"co-long_form--text pcol-md:7\">\n\t\t\t\t\t<h2 class=\"co-long_form--headline\" >Descubre si refinanciar te conviene.<\/h2><div class=\"co-long_form--content text-component\"><p>Refinanciar una hipoteca puede parecer una decisi\u00f3n importante, y a menudo comienza con comprender las posibilidades. Si est\u00e1 pensando en cambiar su hipoteca actual, estamos aqu\u00ed para ayudarle a analizarla detenidamente de forma clara y sencilla.<\/p>\n<p>Cu\u00e9ntenos brevemente sobre su pr\u00e9stamo actual y qu\u00e9 espera lograr, ya sea una cuota mensual m\u00e1s baja, un plazo diferente o simplemente explorar si las tasas actuales le convienen m\u00e1s. Nuestro equipo hipotecario le explicar\u00e1 los detalles, comparar\u00e1 las opciones disponibles y le ayudar\u00e1 a comprender c\u00f3mo cada opci\u00f3n podr\u00eda afectar su pr\u00e9stamo en general.<\/p>\n<p class=\"isSelectedEnd\">\n<\/div><a class=\"co-long_form--button co-button gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/preguntas-frecuentes-faq\/contactanos\/\" >Habla con nuestro equipo.<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-long_form--media pcol-md:5\">\n\t\t\t\t\t\t<div class=\"co-long_form--media_frame\"><img loading=\"lazy\" decoding=\"async\" width=\"515\" height=\"364\" src=\"https:\/\/www.heritagesouth.org\/files\/HomeImprovementCouple.jpg\" class=\"co-long_form--image\" alt=\"Una pareja observa el progreso de su proyecto de reforma del hogar.\" srcset=\"https:\/\/www.heritagesouth.org\/files\/HomeImprovementCouple.jpg 515w, https:\/\/www.heritagesouth.org\/files\/HomeImprovementCouple-18x12.jpg 18w, https:\/\/www.heritagesouth.org\/files\/HomeImprovementCouple-396x280.jpg 396w, https:\/\/www.heritagesouth.org\/files\/HomeImprovementCouple-75x53.jpg 75w\" sizes=\"auto, (max-width: 515px) 100vw, 515px\" \/><\/div>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__columns co-flex_row__single-path-cta\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-sp_cta\">\n\t\t<h2 class=\"co-sp_cta--headline\">Refinanciamiento del Departamento de Asuntos de Veteranos (VA) para veteranos elegibles<\/h2><div class=\"co-sp_cta--desc\"><p class=\"isSelectedEnd\">Si sirvi\u00f3 a nuestro pa\u00eds, pregunte si un pr\u00e9stamo de refinanciamiento del VA podr\u00eda ser adecuado para usted. Ofrecemos opciones de refinanciamiento hipotecario del VA para veteranos elegibles. Le ayudaremos a comprender los requisitos, los t\u00e9rminos disponibles y los documentos que pueda necesitar.<\/p>\n<\/div><a class=\"co-sp_cta--button gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/preguntas-frecuentes-faq\/contactanos\/\" >Pregunte sobre la refinanciaci\u00f3n de la VA.<\/a>\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__multi-path-cta co-flex_row__columns\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-columns\">\n\t\t\t\t<header class=\"co-intro_text\">\n\t\t\t<h2 class=\"co-intro_text--title\">Una forma sencilla de empezar<\/h2>\t\t<\/header>\n\t\t\t\t\t<div class=\"co-columns--row prow prow-md:2 prow-lg:3 co-columns--row__icons justify-center\">\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Number1\"\n\t\tviewbox=\"0 0 74 74\"\n\t\twidth=\"74\"\n\t\theight=\"74\"\n\t>\n\t\t<title>N\u00famero 1<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M0 0h74v74H0z\"\/><path fill=\"#fff\" stroke=\"#473124\" stroke-width=\"2\" d=\"M46.92 14.52V59H36.28V27.813l-6.86 6.04-.755.664-.66-.76-5.1-5.88-.665-.766.775-.654 13.86-11.7.28-.236z\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Cu\u00e9ntanos qu\u00e9 quieres cambiar<\/h3><div class=\"co-card--desc text-component\"><p>Comparta informaci\u00f3n sobre su hipoteca actual, el pago, la tasa de inter\u00e9s y sus objetivos.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Number2\"\n\t\tviewbox=\"0 0 74 74\"\n\t\twidth=\"74\"\n\t\theight=\"74\"\n\t>\n\t\t<title>N\u00famero 2<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M0 0h74v74H0z\"\/><path fill=\"#fff\" stroke=\"#473124\" stroke-width=\"2\" d=\"M38.48 13.8q3.017-.001 5.694.886l.001-.001c1.797.556 3.378 1.417 4.727 2.589 1.365 1.144 2.414 2.59 3.15 4.316l.143.331c.691 1.673 1.025 3.566 1.025 5.66 0 1.427-.147 2.75-.45 3.961l-.002.009q-.45 1.731-1.29 3.227a14 14 0 0 1-1.873 2.649 30 30 0 0 1-2.296 2.296l-.009.008-.008.008-10.857 9.341H53.58V59H21.94V48.014l.332-.298 16.5-14.82a30 30 0 0 0 2.436-2.494A3.95 3.95 0 0 0 42.22 27.7c0-1.164-.402-1.977-1.17-2.567l-.01-.008-.008-.007c-.853-.689-1.85-1.038-3.032-1.038-1.458 0-2.49.442-3.225 1.239-.753.858-1.194 1.922-1.298 3.24l-.078.991-.992-.072-9-.66-.979-.073.053-.98c.118-2.16.552-4.089 1.325-5.76l.16-.332c.858-1.757 2.004-3.231 3.44-4.407 1.428-1.168 3.085-2.025 4.957-2.58 1.905-.593 3.947-.886 6.117-.886Z\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Revisa tus opciones<\/h3><div class=\"co-card--desc text-component\"><p>Le ayudaremos a comparar las tasas disponibles, los plazos, los pagos estimados y los costos de refinanciamiento.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"co-card\">\n\t\t\t\t\t\t<figure class=\"co-card--media\">\t<svg\n\t\tclass=\"co-card--icon Number3\"\n\t\tviewbox=\"0 0 74 74\"\n\t\twidth=\"74\"\n\t\theight=\"74\"\n\t>\n\t\t<title>N\u00famero 3<\/title>\n\t\t<path fill=\"#b5be34\" d=\"M0 0h74v74H0z\"\/><path fill=\"#fff\" stroke=\"#473124\" stroke-width=\"2\" d=\"M37.4 13.8a21 21 0 0 1 5.642.75c1.872.468 3.532 1.239 4.966 2.321l.268.201a11.24 11.24 0 0 1 3.144 3.792l.162.314c.784 1.583 1.158 3.407 1.158 5.442 0 2.545-.672 4.78-2.055 6.654a8.8 8.8 0 0 1-3.161 2.656q.428.203.83.452a10 10 0 0 1 2.797 2.467 10.7 10.7 0 0 1 1.721 3.305A12.5 12.5 0 0 1 53.46 46c0 2.246-.445 4.264-1.366 6.027a12.5 12.5 0 0 1-3.583 4.365l-.003.003c-1.474 1.127-3.213 1.957-5.197 2.507q-2.904.82-6.15.818c-3.96 0-7.434-.919-10.379-2.797l-.006-.004c-2.98-1.929-4.905-4.955-5.83-8.953l-.225-.973.971-.226 9.48-2.22.996-.234.211 1c.285 1.353.836 2.351 1.611 3.064.752.656 1.935 1.063 3.71 1.063 1.806 0 2.925-.46 3.584-1.177l.001-.001c.767-.831 1.175-1.898 1.175-3.282 0-1.072-.234-1.733-.556-2.13l-.021-.026-.02-.027a3.2 3.2 0 0 0-1.474-1.148c-.679-.272-1.465-.434-2.37-.47l-.038-.002a37 37 0 0 0-2.921-.117h-3.1v-9.8h3.94q1.189 0 2.312-.169a6.2 6.2 0 0 0 1.85-.562 3.35 3.35 0 0 0 1.239-1.096c.267-.436.44-1.052.44-1.913 0-.963-.372-1.742-1.19-2.402l-.007-.006-.007-.006c-.796-.669-1.799-1.026-3.077-1.026-1.21 0-2.132.324-2.843.911-.76.63-1.24 1.386-1.466 2.291l-.234.931-.938-.193-9.9-2.04-1.032-.213.266-1.02c.506-1.942 1.276-3.626 2.327-5.027 1.032-1.416 2.266-2.565 3.702-3.436a15.6 15.6 0 0 1 4.679-1.86v.001a22.7 22.7 0 0 1 5.38-.625Z\"\/>\t<\/svg>\n<\/figure>\n\t\t\t\t\t\t<div class=\"co-card--body\">\n\t\t\t\t\t\t\t<h3 class=\"co-card--heading\" >Decide qu\u00e9 te funciona mejor.<\/h3><div class=\"co-card--desc text-component\"><p>Analice la situaci\u00f3n en su conjunto y decida si seguir adelante tiene sentido para su hogar y su presupuesto.<\/p>\n<\/div>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row next_row__back-to-top co-flex_row__multi-path-cta\"><div class=\"co-flex_row--row co-row\">\t<div class=\"co-mp_ctas\">\n\t\t\t\t<header class=\"co-intro_text has_intro\">\n\t\t\t<h2 class=\"co-intro_text--title\">Veamos qu\u00e9 podr\u00eda funcionar mejor<\/h2><div class=\"co-intro_text--intro text-component\"><p>Tr\u00e1iganos sus preguntas y los detalles de su hipoteca actual. Le ayudaremos a analizar las cifras y a decidir si le conviene refinanciar.<\/p>\n<\/div>\t\t<\/header>\n\t\t\t\t<div class=\"co-mp_ctas--list prow justify-center\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tEncuentra la mejor tarifa\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/tasas\/\" >Ver tarifas actuales<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tVisite una sucursal\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/ubicaciones-cajeros-automaticos\/\" >Encu\u00e9ntranos cerca de ti<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"co-mp_cta pcol-lg:4\">\n\t\t\t\t\t<div class=\"co-mp_cta--title\">\n\t\t\t\t\t\tHabla con nuestro equipo.\t\t\t\t\t<\/div>\n\t\t\t\t\t<a class=\"co-mp_cta--link gtm-button\" href=\"https:\/\/www.heritagesouth.org\/es\/preguntas-frecuentes-faq\/contactanos\/\" >Cont\u00e1ctanos<\/a>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t<\/div>\n<\/div><\/div>\n\n<div class=\"co-flex_row co-flex_row__last co-flex_row__back-to-top\"><div class=\"co-flex_row--row co-row\"><div class=\"co-back_top\">\n\t<a class=\"co-back_top--link\" href=\"#\">\n\tVolver arriba\t<img loading=\"lazy\" decoding=\"async\" class=\"co-back_top--link_icon\" src=\"https:\/\/www.heritagesouth.org\/wp-content\/themes\/heritagesouth-theme\/images\/back-to-top-arrow.svg\" width=\"33\" height=\"33\" alt=\"\" aria-hidden=\"true\">\n\t<\/a>\n<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Refinancing replaces your current mortgage with a new one. It may help you lower your interest rate or monthly payment, change your loan term, or choose a mortgage that better fits your needs today.   A lower rate or longer loan term may reduce your monthly payment and give your budget more room. A shorter term may help you pay … <a href=\"https:\/\/www.heritagesouth.org\/es\/loans-credit-cards\/real-estate-loans\/refinance-home\/\">Continue reading <span class=\"meta-nav\">\u2192<\/span><\/a><\/p>","protected":false},"author":12,"featured_media":0,"parent":2659,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_searchwp_excluded":"","footnotes":""},"class_list":["post-2662","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Mortgage Refinancing - Heritage South Community 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.heritagesouth.org\/es\/prestamos-tarjetas-de-credito\/prestamos-inmobiliarios\/refinanciar-la-vivienda\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Mortgage Refinancing - Heritage South Community Credit Union\" \/>\n<meta property=\"og:description\" content=\"Refinancing replaces your current mortgage with a new one. 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