Privacy Policy

This Privacy Policy establishes the terms in which Alzate Realty uses and protects the information that is provided by its users when using its website. This company is committed to the security of its users’ data. When we ask you to fill in the personal information fields with which you can be identified, we do so ensuring that it will only be used in accordance with the terms of this document. However, this Privacy Policy may change over time or be updated, so we encourage you to continually review this page to ensure that you agree to any such changes.

Information that is collected

Our website may collect personal information, for example: Name, contact information such as your email address and demographic information. Likewise, when necessary, specific information may be required to process an order or make a delivery or billing.

Use of collected information

Our website uses the information in order to provide the best possible service, particularly to maintain a user registry, of orders if applicable, and to improve our products and services. It is possible that periodic emails will be sent through our site with special offers, new products and other advertising information that we consider relevant to you or that may provide you with some benefit, these emails will be sent to the address that you provide and may be canceled At any time.

Alzate Realty is highly committed to fulfilling the commitment to keep your information secure. We use the most advanced systems and constantly update them to ensure that there is no unauthorized access.

Cookies

A cookie refers to a file that is sent with the purpose of requesting permission to be stored on your computer, by accepting said file it is created and the cookie is then used to have information regarding web traffic, and also facilitates future visits to a website. recurrent. Another function that cookies have is that with them, websites can recognize you individually and, therefore, provide you with the best personalized service on their website.

Our website uses cookies to be able to identify the pages that are visited and their frequency. This information is used for statistical analysis only and then the information is permanently deleted. You can delete cookies at any time from your computer. However, cookies help to provide a better service to websites, you are, do not give access to information from your computer or from you, unless you want it and provide it directly. You can accept or deny the use of cookies, however, most browsers automatically accept cookies, as it serves to have a better web service. You can also change the settings on your computer to decline cookies. If they are declined, you may not be able to use some of our services.

Links to Third Parties

This website may contain links to other sites that may be of interest to you. Once you click on these links and leave our page, we no longer have control over the site to which you are redirected, and therefore we are not responsible for the terms or privacy or data protection of those other sites. third parties. These sites are subject to their own privacy policies, so it is recommended that you consult them to confirm that you agree with them.

Control of your personal information

At any time, you can restrict the collection or use of personal information that is provided to our website. Every time you are asked to fill in a form, such as user registration, you can check or uncheck the option to receive information by email. In case you have checked the option to receive our newsletter or advertising, you can cancel it at any time. This company will not sell, assign or distribute the personal information that is collected without your consent, unless required by a judge with a court order. Alzate Realty reserves the right to change the terms of this Privacy Policy at any time.

Most Popular Questions

For employees, a form W-2 of the last two years and the last four pay stubs; and for self-employed (form 1099), taxes of the last two years and bank statements for the last two months.

The down payment is very low starting at 3% of the value of the house, and in some cases the bank can finance 100% and only needs the closing costs of approximately $6,000. There are also government subsidies for first-time homebuyers, depending on several factors

Yes, you can. If the other house will be the primary residence and you rent the current one, the bank only asks for 5% of down payment plus closing costs

You need to have 20% of the value of the house plus closing costs

The bank always looks at the net income (the income that remains after deductions) of the last two years, and if it’s low it will not be possible, but there are special programs for these cases.

There is a program in which the bank does not look at the taxes, it only looks at the bank deposits of the last 12 months, it’s very easy to qualify, but the down payment is no longer small, it will be 20% of the value of the house plus closing costs and the interest rate is much higher, because the bank does not look at the taxes.

Yes, you can request it from a family member (parents, siblings, children, etc.), from friends or a permanent partner (you don’t have to be married); the two of you would be the owners

It doesn’t affect them, they can buy, but after a year. The important thing is that the payments are made by the main person to prove that they were only a help for the approval.

The higher the better because it directly affects the interest rate. The higher the score, the lower the interest rate. There are two types of loans. For Federal Housing Administration (FHA) loans, the normal is from 640, but there are banks that make exceptions and start from 580, and for conventional loans from 700.

It does affect you and a lot because it takes away your purchasing power. However, if the income is high, it would not affect much, but if it’s low, that payment would most likely prevent you from being approved to buy the house. Therefore, the advice is to buy the house first and then the car, or before buying the house, refinance the car in order to lower the monthly payment or transfer it to a family member so that it does not appear on the credit.

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