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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":[["$","h2",null,{"className":"text-center text-3xl font-extrabold text-primary-dark sm:text-4xl","children":"Frequently Asked Questions"}],["$","div",null,{"className":"mt-12 space-y-8","children":[["$","div","Do I have to be a first-time homebuyer to qualify for a USDA loan?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Do I have to be a first-time homebuyer to qualify for a USDA loan?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"No. USDA loans are available to both first-time and repeat homebuyers, provided they meet income and property eligibility requirements. However, you cannot currently own another adequate dwelling at the time of closing."}]]}],["$","div","What areas qualify as USDA-eligible?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"What areas qualify as USDA-eligible?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"USDA eligibility covers a broader range of areas than many borrowers expect, including small towns, suburban communities, and rural areas outside major metropolitan centers. The USDA maintains an online eligibility map, and Joshua can help verify whether a specific address qualifies."}]]}],["$","div","Is there mortgage insurance on a USDA loan?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Is there mortgage insurance on a USDA loan?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"USDA loans require a guarantee fee rather than traditional mortgage insurance. This includes a one-time upfront guarantee fee of 1% of the loan amount (which can be financed) and an annual fee of 0.35% of the outstanding balance, paid monthly."}]]}],["$","div","Can I use a USDA loan to buy a fixer-upper?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I use a USDA loan to buy a fixer-upper?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"The property must meet USDA minimum property standards at the time of purchase. However, minor repairs may be addressed through escrow holdbacks in some cases. For properties requiring significant renovation, other loan programs may be more appropriate."}]]}],["$","div","How long does it take to close on a USDA loan?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"How long does it take to close on a USDA loan?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"USDA loans typically take 30 to 45 days to close, though timelines can vary. The USDA's own review process may add additional time compared to conventional loans. Working with an experienced mortgage advisor like Joshua helps ensure a smooth and efficient process."}]]}]]}]]}]}]
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