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1b:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"Frequently Asked Questions"}],["$","div",null,{"className":"mt-12 space-y-8","children":[["$","div","How much of a down payment do I need to buy a home?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"How much of a down payment do I need to buy a home?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"It depends on the loan program. VA and USDA loans offer zero down payment options. FHA loans require as little as 3.5%, and conventional loans start at 3%. Your mortgage advisor can help determine which option best fits your situation."}]]}],["$","div","What credit score do I need to qualify for a mortgage?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"What credit score do I need to qualify for a mortgage?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Minimum credit score requirements vary by loan type. FHA loans accept scores as low as 580, while conventional loans generally require 620 or higher. Higher credit scores typically qualify for better interest rates and terms."}]]}],["$","div","How long does the mortgage approval process take?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"How long does the mortgage approval process take?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"The typical mortgage process takes 30 to 45 days from application to closing. Getting pre-approved before you start house hunting can speed up the process significantly. Timelines may vary based on the complexity of your financial situation."}]]}],["$","div","What is the difference between pre-qualification and pre-approval?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"What is the difference between pre-qualification and pre-approval?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Pre-qualification is an informal estimate of how much you might be able to borrow based on self-reported information. Pre-approval involves a thorough review of your finances, including credit checks and income verification, and carries much more weight with sellers."}]]}],["$","div","Can I buy a home if I have student loan debt?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I buy a home if I have student loan debt?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Yes. Student loan debt is factored into your debt-to-income ratio, but it does not automatically disqualify you. Many borrowers with student loans successfully qualify for mortgages. Joshua can help you understand how your debt impacts your purchasing power."}]]}]]}]]}]}]
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