by Yuleysi Nunez Most of the economic and financial goals that we want to achieve can only be achieved when a loan is approved in a formal financial institution. Such is the case of mortgage loans. In order to get a loan of this type, there are several factors that are taken into account. The most important? Improve your credit history.
When we begin to have more experience with the financial world, we realize the importance of making good decisions and increasing our financial intelligence, to opt for products and opportunities that fit the short and long-term goals we have.
What is credit history?
This is your financial identity, your letter of introduction to the banks, in search of their trust. This diagnosis allows you to know to what extent you can get into debt and how responsible you have been in other commitments to service institutions or to the bank itself.
This is measured through numbers and various factors intervene to determine it:
- Your payment history: how responsible you have been with payments on previous occasions, payments on the indicated dates or late payments are measured.
- Use of credit: when you obtain an amount of credit authorized by the bank, it is important to remember that you should not use it in its entirety and much less expect to generate delinquencies to make payments. Banks always measure how you use your credits.
- Seniority: an element that allows the bank to see your financial behavior over the years, the longer you have been fulfilling your commitments, the more reliable or trustworthy you appear before the financial body.
What is a good credit history?
It is a score that represents and certifies your reliability with the bank. To be honest, loans are a bet of the bank towards us, therefore, we must build the foundations of trust with actions that exhibit our commitment to the payment of each of our loans and credits. The better your credit score, the better for you and the better for the bank will be to lend you the necessary money.
In the case of mortgage loans, other elements are also observed to verify your purchasing power and a projection of payments on time, both interest and principal.
Steps to improve your credit history
The first thing you should do is check the current state in which you appear in the credit bureau or the status of your credit history. You do this by requesting to see your history virtually in the 3 institutions that are dedicated to keeping accounts of your credit movements, assigning them letters according to their reliability, with A being the best score and F the worst possible score. Check the process on the PRO-USER platform of the Superintendency of Banks here.
The second thing is to make a commitment to pay on time. Gone are the days when not paying your drinking water bill does not affect you at all, today, as a responsible consumer you must pay all your bills on time, with the amounts requested. We recommend that you request assistance from your bank so that fixed bills can be deducted from your savings account or checking account, on specific dates, so you will not have future complications.
The third thing is to have the management of your credit accounts pending. In the eyes of a financial institution, you seem to be more responsible if you only have one card that you keep with an impeccable history, than 10 different ones, all with arrears.
Fourth, do not assume debt commitments that exceed your ability to pay. If you know that obtaining financing for several household appliances at the same time jeopardizes your stability or the ability you have to pay for it with your fixed income, it is best not to expose yourself, and postpone these purchases. Remember that the most important thing is your stability, to be able to obtain a mortgage loan later.
From Remax Atlantis we have an alliance with financial institutions, you can contact them to learn about the requirements and facilities offered by each Dominican financial institution with us.
¡Has llegado hasta aquí por tres razones!
You have arrived here for three reasons!
1. Quieres comprar, vender o simplemente eres curioso.
2. You want to buy, sell, or you’re just curious.
¡Qué bueno! Puedo guiarte en cada uno de estos procesos.
That’s great! I can guide you through each of these processes.
Soy Yuleisy Núñez, Broker Owner de RE/MAX Atlantis y promotora oficial de Dominion Luxury. Me alegra acompañarte en este camino, y para lograrlo, lo primero es escucharte.
I am Yuleisy Núñez, Broker Owner of RE/MAX Atlantis and official promoter of Dominion Luxury. I am happy to accompany you on this journey, and to do so, the first step is to listen to you.
Una vez tenga toda la información, te mostraré estrategias de venta y marketing que facilitarán la compra o venta de tu propiedad.
Once I have all the information, I will show you sales and marketing strategies that will help you buy or sell your property.
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¿Por qué confiar en mí?
Why trust me?
Un asesor inmobiliario es un guía. Su labor es estar informado y capacitado en todas las áreas del sector. Por eso, siempre comparto contenido de valor en mis redes, respondiendo a objeciones antes incluso de que me las planteen.
A real estate advisor is a guide. Their job is to be well-informed and trained in all areas of the industry. That’s why I always share valuable content on my social media, addressing potential concerns even before they arise.
Tengo más de siete años de experiencia en el mercado inmobiliario. Mi trayectoria incluye haber sido directora comercial en una empresa de rentas, lo que me permite calcular con precisión el retorno de inversión. Así, puedo ofrecer estrategias seguras de venta para los propietarios y un plan estructurado para los compradores.
I have over seven years of experience in the real estate market. My background includes working as a commercial director in a rental company, which allows me to accurately calculate return on investment. This way, I can provide secure sales strategies for property owners and a well-structured plan for buyers.
Mi formación está 100% enfocada en marketing y ventas inmobiliarias. Me he certificado en ventas comerciales y propiedades de lujo en RE/MAX LATAM, entendiendo que trabajo con un público exigente y que siempre debo superar sus expectativas.
My training is 100% focused on real estate marketing and sales. I am certified in commercial sales and luxury properties through RE/MAX LATAM, understanding that I work with a demanding clientele and must always exceed their expectations.
Soy licenciada en Comunicación Social (PCMM), lo que me ha permitido desarrollar habilidades de comunicación estratégica. Además, completé un MBA en Marketing en UTESA y continúo en constante aprendizaje, adaptándome a un mundo en constante evolución donde la inteligencia artificial juega un papel clave.
I hold a degree in Social Communication (PCMM), which has allowed me to develop strategic communication skills. Additionally, I completed an MBA in Marketing at UTESA and continue to educate myself, adapting to a rapidly evolving world where artificial intelligence plays a crucial role.
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Un poco sobre mí
A little about me
Tengo una familia hermosa, un esposo y una mascota llamada Nova. Soy muy familiar y, en los últimos años, el networking ha sustituido las fiestas en mi vida. Me encanta cocinar para mis invitados y siempre soy el alma de la reunión.
I have a wonderful family, a husband, and a pet named Nova. I am very family-oriented, and in recent years, networking has replaced parties in my life. I love cooking for my guests and am always the heart of the gathering.
Al segundo mes de ser agente independiente, vendí 80 apartamentos en colaboración con colegas y seis villas de lujo con un precio promedio entre $250,000 y $400,000 USD. Estos logros han sido fruto de la disciplina y el compromiso con mis clientes y desarrolladores.
By my second month as an independent agent, I sold 80 apartments in collaboration with colleagues and six luxury villas with an average price between $250,000 and $400,000 USD. These achievements are the result of constant discipline and commitment to my clients and developers.
Actualmente soy Top Producer en RE/MAX RD, reconocida en Las Vegas, en la convención anual R4, en la categoría Platinum Club. Un reconocimiento que agradezco a Dios y al esfuerzo constante.
Currently, I am a Top Producer at RE/MAX RD, recognized at the R4 annual convention in Las Vegas, in the Platinum Club category. I am grateful to God and my continuous effort for this achievement.
Hoy soy Broker Owner de RE/MAX Atlantis, socia en Dominion Luxury Perla Marina y promotora oficial de Dominion Luxury Playa Chiquita.
Today, I am Broker Owner of RE/MAX Atlantis, a partner at Dominion Luxury Perla Marina, and the official promoter of Dominion Luxury Playa Chiquita.
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Mi visión para 2025
My vision for 2025
Una de mis fortalezas es la conexión con desarrolladores, gracias a mi trayectoria y experiencia. Mi pasión son las ventas, y siempre humanizo cada proceso.
One of my strengths is my connection with developers, thanks to my experience and background. Sales are my passion, and I always bring a human touch to the process.
Mi meta para 2025 es lanzar un Master Broker en Cap Cana, con propiedades de lujo de $2 millones de dólares en adelante, dirigidas a inversionistas que buscan exclusividad y calidad de vida.
My goal for 2025 is to launch a Master Broker in Cap Cana, featuring luxury properties starting at $2 million USD, aimed at investors who seek exclusivity and a high-quality lifestyle.
En Sosúa, estamos en un momento espectaluar. Seguimos creando oportunidades para atraer turistas, y el gobierno está impulsando una excelente estrategia de marketing que beneficia al sector inmobiliario.
In Sosúa, we are at a peak moment. We continue creating opportunities to attract tourists, and the government is driving an excellent marketing strategy that benefits the real estate sector.
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Ahora que ya sabes más sobre mí, ¿qué esperas para contactarme?
Now that you know more about me, what are you waiting for to contact me?
WhatsApp: +1 (849) 621-1200
Email: yuleysinunezrealtor@gmail.com
¡Estoy disponible para ti!
I’m available for you!
