{"id":319,"date":"2025-09-02T11:00:00","date_gmt":"2025-09-02T11:00:00","guid":{"rendered":"https:\/\/www.adelyahomes.com\/blog\/?p=319"},"modified":"2025-09-02T11:00:00","modified_gmt":"2025-09-02T11:00:00","slug":"first-time-homebuyers-guide-to-getting-a-mortgage","status":"publish","type":"post","link":"https:\/\/www.adelyahomes.com\/blog\/?p=319","title":{"rendered":"First-time homebuyer&#8217;s guide to getting a mortgage"},"content":{"rendered":"<div class=\"roomvu-news-container\">\n<p>Navigating the homebuying process can be challenging for newcomers. It&#039;s essential to understand that while mortgage interest rates matter, other factors like loan size, down payment, and additional costs (e.g., insurance, taxes) also significantly impact monthly payments. Start saving for a down payment early, especially if your income varies. The homebuying process involves steps like pre-qualification, pre-approval, house hunting, and closing. A mortgage loan officer can provide valuable guidance throughout this journey.<\/p>\n<p>\t<a class=\"roomvu-news-continue\" href=\"https:\/\/www.usbank.com\/financialiq\/manage-your-household\/home-ownership\/first-time-home-buyers-guide-to-getting-a-mortgage.html\"><\/p>\n<div>Continue to full article<\/div>\n<p>\t<\/a><\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Navigating the homebuying process can be challenging for newcomers. It&#039;s essential to understand that while mortgage interest rates matter, other factors like loan size, down payment, and additional costs (e.g., insurance, taxes) also significantly impact monthly payments. Start saving for a down payment early, especially if your income varies. The homebuying process involves steps like [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-319","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.adelyahomes.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/319","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.adelyahomes.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.adelyahomes.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.adelyahomes.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.adelyahomes.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=319"}],"version-history":[{"count":1,"href":"https:\/\/www.adelyahomes.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/319\/revisions"}],"predecessor-version":[{"id":321,"href":"https:\/\/www.adelyahomes.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/319\/revisions\/321"}],"wp:attachment":[{"href":"https:\/\/www.adelyahomes.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=319"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.adelyahomes.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=319"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.adelyahomes.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=319"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}