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15:["$","p",null,{"className":"mt-6 text-sm text-gray-500","children":"These are rough estimates. Your actual buying power depends on your credit score, down payment, interest rate, and existing debts."}]
16:["$","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":"Key Factors Lenders Evaluate"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"Your maximum loan amount is not determined by income alone. Lenders look at the full picture to assess risk and ensure you can comfortably repay the mortgage."}],["$","div",null,{"className":"mt-8 space-y-6","children":[["$","div","Credit Score",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Credit Score"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Your credit score directly influences the interest rate you qualify for. Higher scores unlock lower rates, which translates to a larger purchase price within the same monthly payment. Most conventional loans require a minimum score of 620, while FHA loans may accept scores as low as 580."}]]}],["$","div","Down Payment",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Down Payment"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"A larger down payment reduces your loan amount and may eliminate the need for private mortgage insurance (PMI). Putting down 20 percent avoids PMI entirely, but many programs allow as little as 3 to 3.5 percent down."}]]}],["$","div","Employment History",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Employment History"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Lenders typically want to see at least two years of stable employment in the same field. Gaps in employment or frequent job changes can raise red flags, though there are exceptions for career advancement moves."}]]}],["$","div","Existing Debt Obligations",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Existing Debt Obligations"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Car payments, student loans, credit card minimums, and other recurring debts all reduce the amount available for a mortgage payment. Paying down debt before applying can significantly increase your buying power."}]]}],["$","div","Cash Reserves",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Cash Reserves"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Having two to six months of mortgage payments in savings after closing demonstrates financial stability and can help you qualify for a larger loan or better terms."}]]}],["$","div","Property Taxes and Insurance",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Property Taxes and Insurance"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"These costs vary dramatically by location and are included in your monthly housing expense calculation. A home with high property taxes may reduce the loan amount you qualify for compared to one with lower taxes at the same price."}]]}]]}]]}]}]
17:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-bold text-primary-dark","children":"How to Calculate Your Budget Step by Step"}],["$","ol",null,{"className":"mt-8 space-y-6","children":[["$","li",null,{"className":"flex gap-4","children":[["$","span",null,{"className":"flex h-8 w-8 shrink-0 items-center justify-center rounded-full bg-primary text-sm font-bold text-white","children":"1"}],["$","div",null,{"children":[["$","h3",null,{"className":"font-bold text-primary-dark","children":"Calculate Your Gross Monthly Income"}],["$","p",null,{"className":"mt-1 text-sm leading-relaxed text-gray-600","children":"Add up all sources of income before taxes: salary, bonuses, freelance income, investment income, and any other regular earnings. If you are buying with a partner, combine both incomes."}]]}]]}],["$","li",null,{"className":"flex gap-4","children":[["$","span",null,{"className":"flex h-8 w-8 shrink-0 items-center justify-center rounded-full bg-primary text-sm font-bold text-white","children":"2"}],["$","div",null,{"children":[["$","h3",null,{"className":"font-bold text-primary-dark","children":"Apply the 28 Percent Rule"}],["$","p",null,{"className":"mt-1 text-sm leading-relaxed text-gray-600","children":"Multiply your gross monthly income by 0.28 to find your maximum monthly housing payment. This amount should cover principal, interest, taxes, insurance, and HOA fees if applicable."}]]}]]}],["$","li",null,{"className":"flex gap-4","children":[["$","span",null,{"className":"flex h-8 w-8 shrink-0 items-center justify-center rounded-full bg-primary text-sm font-bold text-white","children":"3"}],["$","div",null,{"children":[["$","h3",null,{"className":"font-bold text-primary-dark","children":"Tally Your Monthly Debts"}],["$","p",null,{"className":"mt-1 text-sm leading-relaxed text-gray-600","children":"List every recurring monthly obligation: car payments, student loans, credit card minimums, personal loans, and child support or alimony. This total plus your housing payment must stay below 36 percent of your gross income."}]]}]]}],["$","li",null,{"className":"flex gap-4","children":[["$","span",null,{"className":"flex h-8 w-8 shrink-0 items-center justify-center rounded-full bg-primary text-sm font-bold text-white","children":"4"}],["$","div",null,{"children":[["$","h3",null,{"className":"font-bold text-primary-dark","children":"Factor in Your Down Payment"}],["$","p",null,{"className":"mt-1 text-sm leading-relaxed text-gray-600","children":"Your down payment determines how much you need to borrow. A larger down payment reduces your monthly payment and may eliminate PMI. Use your savings to determine the maximum home price: loan amount plus down payment equals purchase price."}]]}]]}],["$","li",null,{"className":"flex gap-4","children":[["$","span",null,{"className":"flex h-8 w-8 shrink-0 items-center justify-center rounded-full bg-primary text-sm font-bold text-white","children":"5"}],["$","div",null,{"children":[["$","h3",null,{"className":"font-bold text-primary-dark","children":"Use a Mortgage Calculator"}],["$","p",null,{"className":"mt-1 text-sm leading-relaxed text-gray-600","children":"Plug your numbers into a mortgage calculator to see the exact monthly payment at different price points and interest rates. This gives you a realistic picture of what you can afford rather than relying on estimates alone."}]]}]]}]]}],["$","div",null,{"className":"mt-10 text-center","children":["$","$L6",null,{"href":"/calculator","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":"Try the Mortgage Calculator"}]}]]}]}]
18:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-3xl font-bold text-primary-dark","children":"Comfortable Budget vs. Maximum Approval"}],["$","p",null,{"className":"mt-6 text-gray-700 leading-relaxed","children":"Just because a lender approves you for a certain amount does not mean you should borrow the maximum. The approval number reflects what you can technically repay, not what leaves room for savings, vacations, emergencies, and everyday life."}],["$","p",null,{"className":"mt-4 text-gray-700 leading-relaxed","children":"A good rule of thumb is to target a monthly payment that feels comfortable even if your income dipped slightly. Consider future expenses like children, career changes, and home maintenance costs (typically one to two percent of the home's value per year)."}],["$","p",null,{"className":"mt-4 text-gray-700 leading-relaxed","children":"The best way to find your true comfort zone is to work with a mortgage professional who can run the numbers for your specific situation and help you see the full picture — not just the monthly payment, but the long-term financial impact."}],["$","div",null,{"className":"mt-8 flex flex-col items-center gap-4 sm:flex-row sm:justify-center","children":[["$","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"}],["$","$L6",null,{"href":"/contact","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":"Talk to Josh"}]]}]]}]}]
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