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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."}]]}] 1c:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","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":["$","$L6",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"}]}]]}]}] 1d:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-4xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-bold text-primary-dark","children":"Common First-Time Buyer Mistakes to Avoid"}],["$","div",null,{"className":"mt-8 grid gap-4 sm:grid-cols-2","children":[["$","div","Skipping pre-approval and shopping without a clear budget",{"className":"group flex gap-3 rounded-xl border border-gray-200 bg-white p-5 shadow-sm transition-all duration-300 hover:shadow-lg 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closing",{"className":"group flex gap-3 rounded-xl border border-gray-200 bg-white p-5 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-red-300","children":[["$","span",null,{"className":"mt-0.5 flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-red-500 text-xs font-bold text-white shadow-sm","children":"!"}],["$","span",null,{"className":"text-sm leading-relaxed text-gray-700","children":"Making major purchases or opening new credit lines before closing"}]]}],["$","div","Waiving the home inspection to make your offer more competitive",{"className":"group flex gap-3 rounded-xl border border-gray-200 bg-white p-5 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-red-300","children":[["$","span",null,{"className":"mt-0.5 flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-red-500 text-xs font-bold text-white shadow-sm","children":"!"}],["$","span",null,{"className":"text-sm leading-relaxed text-gray-700","children":"Waiving the home inspection to make your offer more competitive"}]]}],["$","div","Focusing only on the monthly payment without considering total loan cost",{"className":"group flex gap-3 rounded-xl border border-gray-200 bg-white p-5 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-red-300","children":[["$","span",null,{"className":"mt-0.5 flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-red-500 text-xs font-bold text-white shadow-sm","children":"!"}],["$","span",null,{"className":"text-sm leading-relaxed text-gray-700","children":"Focusing only on the monthly payment without considering total loan cost"}]]}],["$","div","Not comparing loan offers from multiple lenders",{"className":"group flex gap-3 rounded-xl border border-gray-200 bg-white p-5 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-red-300","children":[["$","span",null,{"className":"mt-0.5 flex h-6 w-6 shrink-0 items-center justify-center rounded-full bg-red-500 text-xs font-bold 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