Spanish-Language Homebuying Resources

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The Balance /Julie Bang

Buying a new home presents challenges for everyone, but many Hispanic homebuyers also face a language barrier. The 2000 Census revealed that less than 50% of U.S. Hispanics were homeowners. According to the National Association of Hispanic Real Estate Professionals, Hispanic homeownership rose to 68% in 2015, but plummeted to 18.1% by 2021. The association attributes the downturn to a decrease in housing inventory.

The U.S. Census Bureau reports that more than 8% of people living in the United States suffer from limited English proficiency. A lack of understanding of the English language, coupled with a lack of financial literacy, makes it difficult for some Hispanic homebuyers to understand the multitude of documents and disclosures required for buying a home. 

The Balance has compiled this list of resources to help Hispanic homebuyers go through the homebuying process. It includes Spanish-language materials to answer questions about the mortgage process, and organizations that connect Spanish speakers with a Spanish-speaking real estate agent.

Tools for Financing

Taking out a mortgage on a home requires making a decades-long financial commitment. With the right tools, you can understand down payments, how home loans work, how to apply for a loan, and how to avoid foreclosure.

  • USAGov en Español: USAGov provides information about financing your home with a Federal Housing Administration (FHA) loan. The website also offers information about foreclosure and how to avoid it.
  • Making Home Affordable: Making Home Affordable helps Hispanics understand the mortgage process, explains how to find a housing counselor, and helps them avoid lending scams. The website also provides a helpful Spanish-language glossary of mortgage terms.
  • US Department of Housing and Urban Development (HUD): The HUD website is a valuable resource for finding information about equal housing opportunities and types of mortgages. You can also learn about mortgage insurance for traditional and manufactured homes and HUD’s Home Loan Guarantee Program.
  • Federal Housing Finance Agency (FHFA): The FHFA website features Spanish-language copies of a mortgage assistance application and uniform residential loan application.
  • Fannie Mae: On its website, Fannie Mae offers Spanish-language copies of a mortgage loan application and other mortgage origination forms.
  • Ameriuno: Ameriuno, the Spanish-language division of Amerifirst Home Mortgage, offers guides and other resources about credit scores, loan documents, and loan options.

Real Estate Agents

Hispanic individuals who only speak Spanish, or those whose first language is Spanish, will generally need the help of a Spanish-speaking real estate agent. There are numerous companies and organizations that help match Hispanic homebuyers with Spanish-speaking real estate agents.

  • National Association of REALTORS (NAR): The NAR website features Spanish-language homebuying and selling guides and provides an association, member, and office lookup tool.
  • The Realtor Spanish-language page provides a search tool to find Spanish-speaking real estate agents in your area.
  • Century 21: Century 21’s Spanish-language website features nationwide home listings. Its real estate agent search tool can help you find Spanish speaking real estate agents in your area.
  • Zillow: With Zillow, you can explore homes for sale and use its real estate search tool to find an agent who speaks Spanish.
  • The National Association of Hispanic Real Estate Professionals (NAHREP): Navigate to the NAHREP website to find a list of top-ranking Hispanic real estate agents.

Organizations To Contact

Government agencies and private organizations can serve as vital resources when buying a home or taking out a mortgage.

Educational Resources

When seeking information about buying a home or taking out a mortgage, only rely on sources such as government agencies or reputable organizations you can trust. Always educate yourself before buying a home or taking out a mortgage.

  • USAGov en Español: USAGov provides a wealth of information about putting down a down payment, working with a real estate agent, submitting an offer on a house, and using different types of mortgage loans. The website can also help you understand government-backed loans offered by the U.S. Department of Agriculture, FHA, and Department of Veterans Affairs, and serves as a gateway to state homebuying programs.
  • U.S. Department of Housing and Urban Development: HUD sponsors mortgage insurance programs, and also provides information about local and state government programs and programs offered by other organizations.
  • Consumer Financial Protection Bureau (CFPB): At the CFPB website, you can learn about the type of bank account needed to buy a home, the credit history required, how to find a housing counselor, and much more.

Downloadable and Printable Guides

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The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
  1. United States Census. “Historical Census of Housing Tables: Homeownership by Race and Hispanic Origin.”

  2. National Association of Hispanic Real Estate Professionals. “State of Hispanic Homeownership Report.”

  3. Migration Policy Institute. “The Limited English Proficient Population in the United States in 2013.”

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