{"id":22594,"date":"2024-09-30T10:56:42","date_gmt":"2024-09-30T10:56:42","guid":{"rendered":"https:\/\/www.newsmixer.online\/?p=22594"},"modified":"2024-12-24T20:04:34","modified_gmt":"2024-12-24T20:04:34","slug":"guide-for-first-time-home-buyer","status":"publish","type":"post","link":"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/","title":{"rendered":"Best Guide for First-Time Home Buyer: Navigating the Path to Your Dream Home"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_71 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#Best_Guide_for_First-Time_Home_Buyer_Navigating_the_Path_to_Your_Dream_Home\" title=\"Best Guide for First-Time Home Buyer: Navigating the Path to Your Dream Home\">Best Guide for First-Time Home Buyer: Navigating the Path to Your Dream Home<\/a><ul class='ez-toc-list-level-2' ><li class='ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#Introduction_First-Time_Home_Buyer\" title=\"Introduction: First-Time Home Buyer\">Introduction: First-Time Home Buyer<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#Understanding_the_Home_Buying_Process\" title=\"Understanding the Home Buying Process\">Understanding the Home Buying Process<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#1_Assess_Your_Financial_Situation\" title=\"1. Assess Your Financial Situation\">1. Assess Your Financial Situation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#2_Explore_Mortgage_Options\" title=\"2. Explore Mortgage Options\">2. Explore Mortgage Options<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#3_Budget_for_Additional_Costs\" title=\"3. Budget for Additional Costs\">3. Budget for Additional Costs<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#Steps_to_Buying_Your_First_Home\" title=\"Steps to Buying Your First Home\">Steps to Buying Your First Home<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#1_Get_Pre-Approved_for_a_Mortgage\" title=\"1. Get Pre-Approved for a Mortgage\">1. Get Pre-Approved for a Mortgage<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#2_Find_a_Real_Estate_Agent\" title=\"2. Find a Real Estate Agent\">2. Find a Real Estate Agent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#3_Start_House_Hunting\" title=\"3. Start House Hunting\">3. Start House Hunting<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#Expert_Tips_for_First-Time_Home_Buyers\" title=\"Expert Tips for First-Time Home Buyers\">Expert Tips for First-Time Home Buyers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#Navigating_the_Closing_Process\" title=\"Navigating the Closing Process\">Navigating the Closing Process<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.newsmixer.online\/guide-for-first-time-home-buyer\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h1><span class=\"ez-toc-section\" id=\"Best_Guide_for_First-Time_Home_Buyer_Navigating_the_Path_to_Your_Dream_Home\"><\/span>Best Guide for First-Time Home Buyer: Navigating the Path to Your Dream Home<span class=\"ez-toc-section-end\"><\/span><\/h1>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Introduction_First-Time_Home_Buyer\"><\/span>Introduction: First-Time Home Buyer<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Although it could appear overwhelming, buying your first house is an thrilling milestone. The course of entails choices, monetary commitments and steps which may be unfamiliar to <a href=\"https:\/\/www.investopedia.com\/updates\/first-time-home-buyer\/\" target=\"_blank\" rel=\"noreferrer noopener\">first-time buyers<\/a>. This complete information will stroll you thru the home-buying course of from begin to end, serving to you make knowledgeable choices and keep away from frequent pitfalls. <\/p> Best Guide for First-Time Home Buyer: Navigating the Path to Your Dream Home\n\n\n\n<p>Whether you are simply beginning to discover homeownership or are prepared to make a proposal, this information will present the instruments, ideas and knowledgeable recommendation wanted to navigate this vital journey.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Understanding_the_Home_Buying_Process\"><\/span>Understanding the Home Buying Process<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Assess_Your_Financial_Situation\"><\/span>1. Assess Your Financial Situation<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Before diving into the housing market, it is important to have a transparent <a href=\"https:\/\/www.newsmixer.online\/public-finance-guide\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2985\">understanding of your financial<\/a> standing. This contains figuring out your credit score rating, saving for a down cost and evaluating your <a href=\"https:\/\/www.investopedia.com\/terms\/d\/dti.asp\" target=\"_blank\" rel=\"noreferrer noopener\">debt-to-income (DTI) ratio<\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Credit Score<\/strong>: Lenders use your <a href=\"https:\/\/www.newsmixer.online\/understanding-loans\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1560\">credit score to determine loan<\/a> eligibility and rates of interest. The next rating typically ends in higher <a href=\"https:\/\/www.newsmixer.online\/new-zealand-real-estate-market-2023\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1561\">mortgage<\/a> phrases. Aim for a rating of 620 or increased for typical loans, although some government-backed loans might settle for decrease scores.<\/li>\n\n\n\n<li><strong>Down Payment<\/strong>: The down cost usually ranges from 3% to 20% of the dwelling\u2019s buy worth. The increased your down cost, the decrease your month-to-month mortgage funds. Many first-time patrons qualify for applications with decrease down funds.<\/li>\n\n\n\n<li><strong>Debt-to-Income Ratio<\/strong>: Lenders typically look for a DTI of 36% or much less, that means your month-to-month debt obligations (together with your future mortgage) ought to be not more than 36% of your month-to-month earnings.<\/li>\n<\/ul>\n\n\n\n<p><strong>Tip<\/strong>: Your credit score report addresses any inaccuracies or points. Establish a financial savings plan for your down cost early in the course of.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Explore_Mortgage_Options\"><\/span>2. Explore Mortgage Options<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p><a data-wpil-monitor-id=\"1562\" href=\"https:\/\/www.newsmixer.online\/first-time-homebuyer-help-packages\/\" target=\"_blank\" rel=\"noopener\">First-time homebuyers have access to several loan programs<\/a> tailor-made to their wants. Understanding your mortgage <a data-wpil-monitor-id=\"1563\" href=\"https:\/\/www.newsmixer.online\/personal-finances\/\" target=\"_blank\" rel=\"noopener\">options will help you choose the best financing<\/a> for you.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Conventional Loans<\/strong>: These are usually not backed by the <a href=\"https:\/\/www.newsmixer.online\/metaverse-platforms-in-2024\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1564\">government<\/a> and usually require a 5-20% down cost. They are ideally suited for patrons with good credit score and the capacity to make bigger down funds.<\/li>\n\n\n\n<li><strong>FHA Loans<\/strong>: Backed by the Federal Housing Administration, FHA loans require a decrease down cost (as little as 3.5%) and have extra lenient credit score necessities.<\/li>\n\n\n\n<li><strong>VA Loans<\/strong>: Available to veterans, active-duty service members and eligible relations, <a href=\"https:\/\/www.newsmixer.online\/how-to-buy-a-house-in-the-usa\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1565\">VA loans often require no down payment<\/a> and include aggressive rates of interest.<\/li>\n\n\n\n<li><strong>USDA Loans<\/strong>: For patrons in rural areas, USDA <a data-wpil-monitor-id=\"1566\" href=\"https:\/\/www.newsmixer.online\/best-bank-loans-in-the-us-in-2023\/\" target=\"_blank\" rel=\"noopener\">loans offer low interest rates and require<\/a> no down cost.<\/li>\n<\/ul>\n\n\n\n<p><strong>Tip<\/strong>: Speak with a number of <a href=\"https:\/\/www.newsmixer.online\/payday-loans-for-bad-credit-and-no-bank-account\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1567\">lenders to compare rates and loan terms<\/a>. Consider getting pre-approved earlier than beginning your private home search to present sellers you\u2019re a severe purchaser.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Budget_for_Additional_Costs\"><\/span>3. Budget for Additional Costs<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Many first-time patrons are stunned by the further prices of shopping for a house. Beyond the down cost, there are closing prices, insurance coverage and ongoing upkeep bills to contemplate.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Closing Costs<\/strong>: Typically starting from 2% to 5% of the mortgage quantity, closing prices embrace charges for the mortgage origination, title search, dwelling appraisal and extra.<\/li>\n\n\n\n<li><strong>Homeowners Insurance<\/strong>: Lenders require patrons to carry owners insurance coverage to defend towards property injury. This is an ongoing expense, so issue it into your finances.<\/li>\n\n\n\n<li><strong>Housekeeping:<\/strong> One side of being a house owner is common repairs and repairs after buying.  These are location-specific levies that may add up. Research the <a data-wpil-monitor-id=\"1568\" href=\"https:\/\/www.newsmixer.online\/first-time-homebuyer-help-packages\/\" target=\"_blank\" rel=\"noopener\">tax rates<\/a> in your required space.<\/li>\n\n\n\n<li><strong>Home Maintenance<\/strong>: After shopping for, ongoing upkeep and repairs are part of homeownership. Financial consultants suggest budgeting 1% of the dwelling\u2019s buy worth yearly for upkeep.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Steps_to_Buying_Your_First_Home\"><\/span>Steps to Buying Your First Home<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Get_Pre-Approved_for_a_Mortgage\"><\/span>1. Get Pre-Approved for a Mortgage<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p><a href=\"https:\/\/www.newsmixer.online\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1569\">Pre-approval is a critical step in the home-buying process<\/a>. A pre-approval letter from a lender exhibits sellers that you simply\u2019re financially able to buying a house, providing you with an edge in <a href=\"https:\/\/www.newsmixer.online\/effective-business-planning\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1570\">competitive markets<\/a>.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>How to Get Pre-Approved<\/strong>: Submit monetary paperwork reminiscent of tax returns, financial institution statements and credit score stories to your lender. They will consider your monetary scenario and concern a pre-approval letter for a particular <a href=\"https:\/\/www.newsmixer.online\/bank-loans-for-business\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1571\">loan amount<\/a>.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Find_a_Real_Estate_Agent\"><\/span>2. Find a Real Estate Agent<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>A educated <a href=\"https:\/\/www.newsmixer.online\/blockchain-technology\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1572\">real estate<\/a> agent can information you thru the home-buying course of, negotiate in your behalf and assist you discover houses that meet your standards. When deciding on an agent, look for somebody with <a href=\"https:\/\/www.newsmixer.online\/best-earning-methods-in-2023\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"1573\">experience in your target area and a strong track<\/a> file of serving to first-time patrons.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Start_House_Hunting\"><\/span>3. Start House Hunting<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>With your pre-approval and a <a data-wpil-monitor-id=\"1574\" href=\"https:\/\/www.newsmixer.online\/skyrocket-your-earnings\/\" target=\"_blank\" rel=\"noopener\">real estate agent by your side<\/a>, it is time to begin looking for your new dwelling. Narrow down your search by contemplating<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Location<\/strong>: Research neighborhoods for proximity to work, colleges and facilities.<\/li>\n\n\n\n<li><strong>Home Type<\/strong>: Decide whether or not a single-family dwelling, apartment or townhome.<\/li>\n\n\n\n<li><strong>Must-Haves vs. Nice-to-Haves<\/strong>: <a href=\"https:\/\/www.newsmixer.online\/salary-and-wages\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"2436\">Create a list of non-negotiable features<\/a>, reminiscent of the variety of bedrooms, versus options you\u2019d like however can compromise on.<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Expert_Tips_for_First-Time_Home_Buyers\"><\/span>Expert Tips for First-Time Home Buyers<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><strong>Tip<\/strong><\/th><th><strong>Advice<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Start Saving Early<\/td><td>Set apart cash month-to-month for your down cost and shutting prices. Even small contributions add up over time.<\/td><\/tr><tr><td>Stay Within Budget<\/td><td>It could be tempting to stretch your finances, however stick to what you possibly can comfortably afford to keep away from monetary stress later.<\/td><\/tr><tr><td>Attend Open Houses<\/td><td>Attend a number of open homes to get a really feel for the market and see what forms of houses can be found in your worth vary.<\/td><\/tr><tr><td>Negotiate With Sellers<\/td><td>Don\u2019t be afraid to negotiate costs, closing prices or repairs. A <a data-wpil-monitor-id=\"1575\" href=\"https:\/\/www.newsmixer.online\/metaverse\/\" target=\"_blank\" rel=\"noopener\">skilled real estate<\/a> agent will help you get the greatest deal.<\/td><\/tr><tr><td>Hire a Home Inspector<\/td><td>Always get knowledgeable dwelling inspection to determine potential points earlier than buying. This can prevent cash on repairs down the line.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\" \/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Navigating_the_Closing_Process\"><\/span>Navigating the Closing Process<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Once you\u2019ve discovered your dream dwelling and made a proposal,. This entails a number of steps, together with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Home Inspection<\/strong>: After hiring a house inspector to consider the property\u2019s situation.<\/li>\n\n\n\n<li><strong>Appraisal<\/strong>: The lender will order an appraisal to guarantee the house is price the buy worth.<\/li>\n\n\n\n<li><strong>Final Walkthrough<\/strong>: Conduct a last walkthrough to guarantee the house is in the agreed-upon situation.<\/li>\n\n\n\n<li><strong>Signing Documents<\/strong>: During the closing assembly, you\u2019ll signal numerous authorized paperwork, together with the mortgage settlement and deed switch. Be positive to evaluate all the things fastidiously.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Becoming a house owner is a rewarding expertise, nevertheless it requires cautious <a data-wpil-monitor-id=\"1576\" href=\"https:\/\/www.newsmixer.online\/unlocking-financial-freedom\/\" target=\"_blank\" rel=\"noopener\">planning and informed decisions<\/a>. Understanding your funds, exploring mortgage choices, budgeting for all prices and following knowledgeable recommendation. This information equips first-time patrons with the data and confidence to make the proper decisions and revel in the advantages of homeownership.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Best Guide for First-Time Home Buyer: Navigating the Path to Your Dream Home Introduction: First-Time Home Buyer Although it could appear overwhelming, buying your first house is an thrilling milestone. The course of entails choices, monetary commitments and steps which may be unfamiliar to first-time buyers. This complete information will stroll you thru the home-buying [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":22598,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[8,13606],"tags":[13636],"class_list":["post-22594","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-homebuying","category-homebuying-process","tag-first-time-home-buyer-2"],"_links":{"self":[{"href":"https:\/\/www.newsmixer.online\/wp-json\/wp\/v2\/posts\/22594","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsmixer.online\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsmixer.online\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsmixer.online\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsmixer.online\/wp-json\/wp\/v2\/comments?post=22594"}],"version-history":[{"count":0,"href":"https:\/\/www.newsmixer.online\/wp-json\/wp\/v2\/posts\/22594\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsmixer.online\/wp-json\/wp\/v2\/media\/22598"}],"wp:attachment":[{"href":"https:\/\/www.newsmixer.online\/wp-json\/wp\/v2\/media?parent=22594"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsmixer.online\/wp-json\/wp\/v2\/categories?post=22594"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsmixer.online\/wp-json\/wp\/v2\/tags?post=22594"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}