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13:["$","section","You Need Perfect Credit to Get a Mortgage",{"className":"py-16 sm:py-20 bg-white","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":["$","div",null,{"className":"flex items-start gap-4","children":[["$","span",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-red-100 text-sm font-bold text-red-600","children":2}],["$","div",null,{"children":[["$","h2",null,{"className":"text-xl font-bold text-primary-dark sm:text-2xl","children":["Myth: “","You Need Perfect Credit to Get a Mortgage","”"]}],["$","div",null,{"className":"mt-4 rounded-xl border-l-4 border-primary bg-white p-6 shadow-sm","children":[["$","h3",null,{"className":"text-sm font-bold uppercase tracking-wide text-primary","children":"The Reality"}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-gray-700","children":"You do not need an 800 credit score to buy a home. FHA loans accept credit scores as low as 580 with a 3.5 percent down payment, and some lenders go as low as 500 with 10 percent down. Conventional loans typically require a minimum score of 620. While a higher score unlocks better rates and terms, millions of homebuyers successfully purchase homes every year with credit scores in the 600s and low 700s. If your score needs improvement, even a few months of focused effort can make a meaningful difference."}]]}]]}]]}]}]}]
14:["$","section","Pre-Approval Guarantees You Will Get the Loan",{"className":"py-16 sm:py-20 bg-off-white","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":["$","div",null,{"className":"flex items-start gap-4","children":[["$","span",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-red-100 text-sm font-bold text-red-600","children":3}],["$","div",null,{"children":[["$","h2",null,{"className":"text-xl font-bold text-primary-dark sm:text-2xl","children":["Myth: “","Pre-Approval Guarantees You Will Get the Loan","”"]}],["$","div",null,{"className":"mt-4 rounded-xl border-l-4 border-primary bg-white p-6 shadow-sm","children":[["$","h3",null,{"className":"text-sm font-bold uppercase tracking-wide text-primary","children":"The Reality"}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-gray-700","children":"Pre-approval is a strong indicator that you will qualify, but it is not a guarantee. Between pre-approval and closing, the lender will verify that your financial situation has not changed. If you switch jobs, make a large purchase, take on new debt, or if the home appraises below the purchase price, your approval could be at risk. The key is to maintain your financial profile exactly as it was when you were pre-approved until after closing."}]]}]]}]]}]}]}]
15:["$","section","The Lowest Interest Rate Is Always the Best Deal",{"className":"py-16 sm:py-20 bg-white","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":["$","div",null,{"className":"flex items-start gap-4","children":[["$","span",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-red-100 text-sm font-bold text-red-600","children":4}],["$","div",null,{"children":[["$","h2",null,{"className":"text-xl font-bold text-primary-dark sm:text-2xl","children":["Myth: “","The Lowest Interest Rate Is Always the Best Deal","”"]}],["$","div",null,{"className":"mt-4 rounded-xl border-l-4 border-primary bg-white p-6 shadow-sm","children":[["$","h3",null,{"className":"text-sm font-bold uppercase tracking-wide text-primary","children":"The Reality"}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-gray-700","children":"A lower interest rate does not automatically mean a cheaper loan. Some lenders offer rock-bottom rates but charge higher origination fees, discount points, or closing costs. The true cost of a mortgage is best measured by the APR (Annual Percentage Rate), which factors in these additional costs. Always compare the total cost of the loan across multiple lenders, not just the advertised rate."}]]}]]}]]}]}]}]
16:["$","section","You Should Always Choose a 30-Year Fixed Mortgage",{"className":"py-16 sm:py-20 bg-off-white","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":["$","div",null,{"className":"flex items-start gap-4","children":[["$","span",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-red-100 text-sm font-bold text-red-600","children":5}],["$","div",null,{"children":[["$","h2",null,{"className":"text-xl font-bold text-primary-dark sm:text-2xl","children":["Myth: “","You Should Always Choose a 30-Year Fixed Mortgage","”"]}],["$","div",null,{"className":"mt-4 rounded-xl border-l-4 border-primary bg-white p-6 shadow-sm","children":[["$","h3",null,{"className":"text-sm font-bold uppercase tracking-wide text-primary","children":"The Reality"}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-gray-700","children":"The 30-year fixed is the most popular mortgage for good reason: it offers the lowest monthly payment and maximum flexibility. But it is not always the best choice. A 15-year fixed mortgage carries a higher monthly payment but saves you tens of thousands in interest over the life of the loan. Adjustable-rate mortgages (ARMs) can offer significantly lower initial rates if you plan to move or refinance within 5 to 10 years. The right loan term depends on your financial goals, timeline, and risk tolerance."}]]}]]}]]}]}]}]
17:["$","section","Renting Is Always Throwing Money Away",{"className":"py-16 sm:py-20 bg-white","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":["$","div",null,{"className":"flex items-start gap-4","children":[["$","span",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-red-100 text-sm font-bold text-red-600","children":6}],["$","div",null,{"children":[["$","h2",null,{"className":"text-xl font-bold text-primary-dark sm:text-2xl","children":["Myth: “","Renting Is Always Throwing Money Away","”"]}],["$","div",null,{"className":"mt-4 rounded-xl border-l-4 border-primary bg-white p-6 shadow-sm","children":[["$","h3",null,{"className":"text-sm font-bold uppercase tracking-wide text-primary","children":"The Reality"}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-gray-700","children":"The rent-vs-buy decision is not as straightforward as popular wisdom suggests. Renting can actually be the smarter financial move if you plan to relocate within a few years, if home prices in your area are significantly overvalued relative to rents, or if you would need to deplete your emergency fund for a down payment. Homeownership builds equity and offers tax benefits, but it also comes with costs that renters avoid: maintenance, property taxes, insurance, and the opportunity cost of a large down payment."}]]}]]}]]}]}]}]
18:["$","section","You Cannot Buy a Home If You Have Student Loans",{"className":"py-16 sm:py-20 bg-off-white","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":["$","div",null,{"className":"flex items-start gap-4","children":[["$","span",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-red-100 text-sm font-bold text-red-600","children":7}],["$","div",null,{"children":[["$","h2",null,{"className":"text-xl font-bold text-primary-dark sm:text-2xl","children":["Myth: “","You Cannot Buy a Home If You Have Student Loans","”"]}],["$","div",null,{"className":"mt-4 rounded-xl border-l-4 border-primary bg-white p-6 shadow-sm","children":[["$","h3",null,{"className":"text-sm font-bold uppercase tracking-wide text-primary","children":"The Reality"}],["$","p",null,{"className":"mt-3 text-sm leading-relaxed text-gray-700","children":"Student loan debt does not disqualify you from getting a mortgage. Lenders look at your debt-to-income (DTI) ratio, not the total amount owed. If your monthly student loan payments are manageable relative to your income, you can absolutely qualify. Income-driven repayment plans can help by lowering your monthly obligation. Many first-time buyer programs are specifically designed for borrowers with student debt, and some down payment assistance programs are targeted at this demographic."}]]}]]}]]}]}]}]
19:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 text-center sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-bold text-primary-dark","children":"Still Have Questions?"}],["$","p",null,{"className":"mt-4 text-gray-700 leading-relaxed","children":"Mortgage myths are everywhere, but the truth is that homeownership is more accessible than most people think. If you have heard something that is holding you back, reach out. A quick conversation can clear up confusion and put you on the path to owning your home."}],["$","div",null,{"className":"mt-8 flex flex-col items-center justify-center gap-4 sm:flex-row","children":[["$","$L6",null,{"href":"/contact","className":"rounded-full bg-gold px-8 py-3.5 text-sm font-bold text-text-dark transition-all hover:bg-gold-light hover:shadow-lg","children":"Contact Josh"}],["$","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 border-2 border-primary px-8 py-3.5 text-sm font-bold text-primary transition-all hover:bg-primary hover:text-white","children":"Apply Now"}]]}]]}]}]
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