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0:{"buildId":"Q6O0z0sMWODTzJ-zENbte","rsc":["$","$1","c",{"children":[[["$","section",null,{"className":"bg-gradient-to-br from-primary to-primary-dark py-20 sm:py-28","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 text-center sm:px-6 lg:px-8","children":[["$","h1",null,{"className":"text-4xl font-bold tracking-tight text-white sm:text-5xl lg:text-6xl","children":"First-Time Homebuyer Guide"}],["$","p",null,{"className":"mx-auto mt-6 max-w-2xl text-lg text-white/80 sm:text-xl","children":"Buying your first home can feel overwhelming, but it does not have to be. This step-by-step guide walks you through the entire process from saving your first dollar to picking up the keys."}],["$","div",null,{"className":"mt-8 flex flex-col items-center justify-center gap-4 sm:flex-row","children":[["$","a",null,{"href":"https://www.afnbp.com/web/borrower-portal/application?p_p_id=com_afncorp_bp_web_portlet_ApplicationPortlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_action=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_loId=A9YI","target":"_blank","rel":"noopener noreferrer","className":"rounded-full bg-gold px-8 py-3.5 text-sm font-bold text-text-dark transition-all hover:bg-gold-light hover:shadow-lg","children":"Get Pre-Approved"}],["$","$L2",null,{"href":"/first-time-homebuyer","className":"rounded-full border-2 border-white/30 bg-white/10 backdrop-blur-sm px-8 py-3.5 text-sm font-bold text-white transition-all hover:bg-white hover:text-primary-dark","children":"First-Time Buyer Programs"}]]}]]}]}],["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-5xl px-4 sm:px-6 lg:px-8","children":["$","div",null,{"className":"grid gap-12 lg:grid-cols-2 items-center","children":[["$","div",null,{"children":[["$","h2",null,{"className":"text-3xl font-bold text-primary-dark","children":"Your Roadmap to Homeownership"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"The home-buying journey typically takes 3 to 6 months from start to finish, though every situation is different. Understanding each phase before you begin removes the uncertainty and helps you make confident decisions at every turn."}],["$","p",null,{"className":"mt-4 text-gray-700 leading-relaxed","children":"As a first-time buyer, you also have access to special loan programs with lower down payments, reduced mortgage insurance, and even down-payment assistance grants. Working with an experienced mortgage advisor ensures you take full advantage of every program available to you."}]]}],["$","div",null,{"className":"relative","children":["$","$L3",null,{"src":"/images/couple-moving-new-home.jpg","alt":"Couple happily moving into their new home","width":800,"height":600,"className":"rounded-2xl shadow-lg object-cover w-full"}]}]]}]}]}],["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-4xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-bold text-primary-dark","children":"The 8-Step Home-Buying Process"}],["$","div",null,{"className":"mt-10 grid gap-6 sm:grid-cols-2","children":[["$","div","01",{"className":"group relative overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","div",null,{"className":"absolute top-0 left-0 right-0 h-1 bg-gradient-to-r from-primary to-accent"}],["$","div",null,{"className":"flex items-center gap-4","children":[["$","span",null,{"className":"flex h-11 w-11 shrink-0 items-center justify-center rounded-full bg-primary text-lg font-bold text-white shadow-md","children":"01"}],["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Assess Your Finances"}]]}],"$L4"]}],"$L5","$L6","$L7","$L8","$L9","$La","$Lb"]}]]}]}],"$Lc","$Ld","$Le"],["$Lf"],"$L10"]}],"loading":null,"isPartial":false}
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b:["$","div","08",{"className":"group relative overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","div",null,{"className":"absolute top-0 left-0 right-0 h-1 bg-gradient-to-r from-primary to-accent"}],["$","div",null,{"className":"flex items-center gap-4","children":[["$","span",null,{"className":"flex h-11 w-11 shrink-0 items-center justify-center rounded-full bg-primary text-lg font-bold text-white shadow-md","children":"08"}],["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Closing Day"}]]}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-gray-600","children":"At closing, you will sign the final loan documents, pay your down payment and closing costs, and receive the keys to your new home. Review all documents carefully, ask questions about anything you do not understand, and bring a valid government-issued ID and a cashier's check or wire transfer confirmation."}]]}]
c:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-bold text-primary-dark","children":"Programs Designed for First-Time Buyers"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"Several loan programs cater specifically to first-time homebuyers, each with unique benefits:"}],["$","div",null,{"className":"mt-8 grid gap-6 sm:grid-cols-3","children":[["$","div",null,{"className":"group relative overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","div",null,{"className":"absolute top-0 left-0 right-0 h-1 bg-gradient-to-r from-primary to-accent"}],["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"FHA Loans"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Backed by the Federal Housing Administration, FHA loans allow down payments as low as 3.5 percent and accept credit scores starting at 580. They are one of the most popular choices for first-time buyers."}]]}],["$","div",null,{"className":"group relative overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","div",null,{"className":"absolute top-0 left-0 right-0 h-1 bg-gradient-to-r from-primary to-accent"}],["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Conventional 97"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"This conventional loan program requires just 3 percent down and is available to first-time buyers with credit scores of 620 or higher. Private mortgage insurance is required but can be removed once you reach 20 percent equity."}]]}],["$","div",null,{"className":"group relative overflow-hidden rounded-xl border border-gray-200 bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","div",null,{"className":"absolute top-0 left-0 right-0 h-1 bg-gradient-to-r from-primary to-accent"}],["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Down Payment Assistance"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Many state and local programs offer grants or forgivable loans to help cover your down payment and closing costs. These programs have income limits and other requirements, but they can significantly reduce your upfront costs."}]]}]]}],["$","div",null,{"className":"mt-10 text-center","children":["$","$L2",null,{"href":"/first-time-homebuyer","className":"inline-block rounded-full bg-gold px-8 py-3.5 text-sm font-bold text-text-dark transition-all hover:bg-gold-light hover:shadow-lg","children":"Explore First-Time Buyer Programs"}]}]]}]}]
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11:["$","p",null,{"className":"mt-8 text-gray-700 leading-relaxed","children":"Working with an experienced mortgage advisor from the very beginning helps you avoid these pitfalls and positions you for a smooth, successful purchase."}]
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