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5:["$","p",null,{"className":"mt-6 text-sm text-gray-500","children":"Amounts shown are principal and interest only and do not include taxes, insurance, or PMI. Actual payments will vary based on your specific loan terms."}]
6:["$","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-extrabold text-primary-dark","children":"How to Get the Best Rate"}],["$","div",null,{"className":"mt-8 space-y-6","children":[["$","div","Improve Your Credit Score",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Improve Your Credit Score"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Your credit score is the single largest factor in the rate you qualify for. Borrowers with scores of 760 and above consistently receive the best rates. Pay down revolving debt, make all payments on time, and avoid opening new credit accounts before applying. Even a 20 to 40 point improvement can meaningfully reduce your rate."}]]}],["$","div","Increase Your Down Payment",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Increase Your Down Payment"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"A larger down payment reduces the lender risk, which can translate to a lower rate. Putting 20 percent or more down not only eliminates PMI but often qualifies you for better pricing. If 20 percent is not feasible, even moving from 5 percent to 10 percent can help."}]]}],["$","div","Choose the Right Loan Term",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Choose the Right Loan Term"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Shorter-term loans typically carry lower rates. A 15-year mortgage rate is often 0.5 to 0.75 percent lower than a 30-year rate. Your monthly payment will be higher, but you pay dramatically less interest over the life of the loan and build equity faster."}]]}],["$","div","Consider Buying Points",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Consider Buying Points"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Mortgage discount points allow you to pay an upfront fee (typically 1 percent of the loan amount per point) to permanently reduce your rate by 0.25 percent. This makes sense if you plan to stay in the home long enough for the monthly savings to exceed the upfront cost."}]]}],["$","div","Shop Multiple Lenders",{"className":"border-l-4 border-primary pl-6","children":[["$","h3",null,{"className":"text-lg font-bold text-primary-dark","children":"Shop Multiple Lenders"}],["$","p",null,{"className":"mt-2 text-sm leading-relaxed text-gray-600","children":"Rates vary between lenders, sometimes by 0.25 to 0.5 percent or more for the same borrower profile. Get quotes from at least 3 lenders and compare not just rates but also fees, lender credits, and closing cost estimates. Rate shopping within a 14-day window counts as a single inquiry on your credit report."}]]}]]}]]}]}]
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