{"id":352,"date":"2026-04-17T10:20:56","date_gmt":"2026-04-17T17:20:56","guid":{"rendered":"http:\/\/wp-preview.htmlburger.com\/reshma_chamberlin\/integrity-first\/?page_id=206"},"modified":"2026-04-17T10:20:56","modified_gmt":"2026-04-17T17:20:56","slug":"refinance","status":"publish","type":"page","link":"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/loan-options\/refinance\/","title":{"rendered":"Refinance"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;60&#8243; css=&#8221;.vc_custom_1767973970246{padding-top: 75px !important;background-color: #f7f7f7 !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;]<style>.vcex-heading.vcex_6a0eac971d73d{font-size:35px;font-weight:700;}<\/style><h1 class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl vcex_6a0eac971d73d\"><span class=\"vcex-heading-inner wpex-inline-block\">Wanting to pay less in interest on your mortgage and lower your monthly payments?<\/span><\/h1><div class=\"vcex-spacing wpex-w-100 wpex-clear\" style=\"height:15px;\"><\/div>[vc_column_text font_weight=&#8221;500&#8243; el_class=&#8221;wpex-antialiased&#8221;]A mortgage refinance is the replacement of an existing mortgage with another mortgage under different terms.[\/vc_column_text]<div class=\"vcex-spacing wpex-w-100 wpex-clear\" style=\"height:45px;\"><\/div><style>.vcex-flex-container_6a0eac971e497{gap:15px;}.vcex-button.vcex_6a0eac971ec06{background:#ffffff;color:#363636!important;border:solid #363636 1px;}.vcex-button.vcex_6a0eac971ec06:hover{background:#b7b7b7!important;color:#ffffff!important;}<\/style><div class=\"vcex-flex-container vcex-module wpex-flex wpex-gap-20 wpex-flex-wrap vcex-flex-container_6a0eac971e497\"><div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"#quote\" class=\"vcex-button theme-button align-center wpex-mb-15 inline animated-theme-button hvr hvr-float local-scroll-link\" title=\"Request A Quote\" aria-label=\"Request A Quote\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\"><span class=\"vcex-button-icon vcex-icon-wrap theme-button-icon-left\"><span class=\"wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M168 80c-13.3 0-24 10.7-24 24V408c0 8.4-1.4 16.5-4.1 24H440c13.3 0 24-10.7 24-24V104c0-13.3-10.7-24-24-24H168zM72 480c-39.8 0-72-32.2-72-72V112C0 98.7 10.7 88 24 88s24 10.7 24 24V408c0 13.3 10.7 24 24 24s24-10.7 24-24V104c0-39.8 32.2-72 72-72H440c39.8 0 72 32.2 72 72V408c0 39.8-32.2 72-72 72H72zM176 136c0-13.3 10.7-24 24-24h96c13.3 0 24 10.7 24 24v80c0 13.3-10.7 24-24 24H200c-13.3 0-24-10.7-24-24V136zm200-24h32c13.3 0 24 10.7 24 24s-10.7 24-24 24H376c-13.3 0-24-10.7-24-24s10.7-24 24-24zm0 80h32c13.3 0 24 10.7 24 24s-10.7 24-24 24H376c-13.3 0-24-10.7-24-24s10.7-24 24-24zM200 272H408c13.3 0 24 10.7 24 24s-10.7 24-24 24H200c-13.3 0-24-10.7-24-24s10.7-24 24-24zm0 80H408c13.3 0 24 10.7 24 24s-10.7 24-24 24H200c-13.3 0-24-10.7-24-24s10.7-24 24-24z\"\/><\/svg><\/span><\/span>Request A Quote<\/span><\/a><\/div> <div class=\"theme-button-wrap textcenter wpex-clr\"><a href=\"#learn\" class=\"vcex-button theme-button align-center wpex-mb-15 inline hvr hvr-float local-scroll-link vcex_6a0eac971ec06\" title=\"Learn More\" aria-label=\"Learn More\"><span class=\"vcex-button-inner theme-button-inner wpex-flex wpex-flex-wrap wpex-items-center wpex-justify-center\"><span class=\"vcex-button-icon vcex-icon-wrap theme-button-icon-left\"><span class=\"wpex-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\"><path d=\"M169.4 470.6c12.5 12.5 32.8 12.5 45.3 0l160-160c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L224 370.8 224 64c0-17.7-14.3-32-32-32s-32 14.3-32 32l0 306.7L54.6 265.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l160 160z\"\/><\/svg><\/span><\/span>Learn More<\/span><\/a><\/div> <\/div><div class=\"vcex-spacing wpex-w-100 wpex-clear\" style=\"height:40px;\"><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243;]<style>.vcex-image.vcex_6a0eac971eea1 .vcex-image-img{border-radius:20px;}<\/style><figure class=\"vcex-image vcex-module wpex-text-center vcex_6a0eac971eea1\"><div class=\"vcex-image-inner wpex-relative wpex-inline-block\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-content\/uploads\/2021\/11\/Mortgage-Refinance.jpg\" class=\"vcex-image-img wpex-align-middle wpex-shadow\" alt=\"A sticky note with the word Refinance is placed on a calculator. In the background, there are scattered papers with handwritten numbers and a spiral notebook.\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-content\/uploads\/2021\/11\/Mortgage-Refinance.jpg 800w, https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-content\/uploads\/2021\/11\/Mortgage-Refinance-300x200.jpg 300w, https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-content\/uploads\/2021\/11\/Mortgage-Refinance-768x512.jpg 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" title=\"\"><\/div><\/figure>[\/vc_column][\/vc_row][vc_row local_scroll_id=&#8221;learn&#8221; css=&#8221;.vc_custom_1756148797204{padding-top: 100px !important;padding-bottom: 80px !important;}&#8221; el_id=&#8221;learn&#8221;][vc_column][vc_column_text css=&#8221;&#8221; width=&#8221;1000&#8243;]\n<h2>What Is a Mortgage Refinance?<\/h2>\n<p>A mortgage refinance is the process of replacing your existing home loan with a new one\u2014typically to achieve better loan terms, access home equity, or adjust your monthly payments. When you refinance, your new loan pays off the balance of your original mortgage, and you begin making payments on the updated loan going forward.<\/p>\n<p>Refinancing does not mean you\u2019re buying a new home. Instead, you&#8217;re restructuring your current loan to better fit your financial situation or long-term goals.<\/p>\n<h2>Common Reasons Homeowners Refinance<\/h2>\n<p>Homeowners choose to refinance for a variety of personal and financial reasons. Some of the most common include:<\/p>\n<ul>\n<li><strong>Reducing monthly payments<\/strong> by obtaining a lower interest rate or extending the loan term.<\/li>\n<li><strong>Switching loan types<\/strong>, such as moving from an adjustable-rate mortgage (ARM) to a fixed-rate mortgage for long-term stability.<\/li>\n<li><strong>Accessing home equity<\/strong> through a cash-out refinance to fund improvements, consolidate debt, or cover major expenses.<\/li>\n<li><strong>Paying off a loan faster<\/strong> by refinancing to a shorter term, like moving from a 30-year to a 15-year mortgage.<\/li>\n<li><strong>Removing mortgage insurance<\/strong>, especially if your home has increased in value and you&#8217;re no longer required to carry PMI.<\/li>\n<\/ul>\n<h2>What Are the Benefits of Refinancing?<\/h2>\n<p>Refinancing can offer a number of financial and strategic advantages when done at the right time. These benefits may include:<\/p>\n<ul>\n<li><strong>Lower interest rates<\/strong>, which may reduce your total interest paid over the life of the loan.<\/li>\n<li><strong>Smaller monthly payments<\/strong>, freeing up cash for other financial goals.<\/li>\n<li><strong>Predictable payments<\/strong>, if you switch from a variable to a fixed interest rate.<\/li>\n<li><strong>Increased flexibility<\/strong>, allowing you to adjust your loan term or tap into equity when needed.<\/li>\n<li><strong>Simplified finances<\/strong>, especially when using a cash-out refinance to consolidate higher-interest debt.<\/li>\n<\/ul>\n<h2>When Does It Make Sense to Refinance?<\/h2>\n<p>Not every situation is ideal for refinancing. The right time to refinance depends on your goals, the terms of your current mortgage, and your overall financial picture. Here are a few signs that refinancing may be a smart move:<\/p>\n<ul>\n<li><strong>Interest rates have dropped<\/strong> since you obtained your original mortgage.<\/li>\n<li><strong>Your credit score has improved<\/strong>, potentially qualifying you for better terms.<\/li>\n<li><strong>Your home has appreciated in value<\/strong>, increasing your available equity.<\/li>\n<li><strong>You plan to stay in the home long enough<\/strong> to break even on the refinance costs.<\/li>\n<li><strong>You&#8217;re looking to eliminate private mortgage insurance (PMI)<\/strong> or shorten your loan term.<\/li>\n<\/ul>\n<p>Before refinancing, it&#8217;s important to understand the associated costs\u2014such as closing fees\u2014and to evaluate how long it will take to recoup those expenses through your new monthly savings.<\/p>\n<h2>Refinance Options to Consider<\/h2>\n<p>There are several refinance loan types to match your needs:<\/p>\n<ul>\n<li><strong>Rate-and-Term Refinance<\/strong> \u2013 Adjust your interest rate or loan term without changing the amount you owe.<\/li>\n<li><strong>Cash-Out Refinance<\/strong> \u2013 Replace your current mortgage with a larger one and receive the difference in cash.<\/li>\n<li><strong>Streamlined Refinance<\/strong> \u2013 A simplified option available for some government-backed loans (like FHA or VA), often requiring less documentation.<\/li>\n<li><strong>Cash-In Refinance<\/strong> \u2013 Pay down your loan at closing to qualify for better terms or remove PMI.<\/li>\n<\/ul>\n<p>Each option has unique requirements and advantages, so it\u2019s important to speak with a mortgage professional to explore what fits best with your situation.<\/p>\n<h2>Let\u2019s Talk About Your Refinance Strategy<\/h2>\n<p>Whether you&#8217;re looking to lower your payments, build equity faster, or use your home&#8217;s value to your advantage, refinancing can be a powerful financial tool. Every homeowner\u2019s situation is different\u2014so if you&#8217;re considering a refinance, we\u2019re here to help you navigate your options with clarity and confidence.[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; full_height=&#8221;yes&#8221; css=&#8221;.vc_custom_1756214837026{background-color: #F7F7F7 !important;}&#8221;][vc_column]<div class=\"vcex-spacing wpex-w-100 wpex-clear visible-phone\" style=\"height:40px;\"><\/div><style>.vcex-heading.vcex_6a0eac97206bd{font-size:45px;font-weight:700;line-height:1.3;}@media (max-width:1024px){.vcex-heading.vcex_6a0eac97206bd{font-size:45px;}}@media (max-width:959px){.vcex-heading.vcex_6a0eac97206bd{font-size:45px;}}@media (max-width:767px){.vcex-heading.vcex_6a0eac97206bd{font-size:30px;}}@media (max-width:479px){.vcex-heading.vcex_6a0eac97206bd{font-size:30px;}}<\/style><div class=\"vcex-heading vcex-heading-plain vcex-module wpex-heading wpex-text-2xl wpex-text-center 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id=\"wpforms-css-vars-5859\">\n\t\t\t\t#wpforms-5859 {\n\t\t\t\t--wpforms-field-size-input-height: 43px;\n--wpforms-field-size-input-spacing: 15px;\n--wpforms-field-size-font-size: 16px;\n--wpforms-field-size-line-height: 19px;\n--wpforms-field-size-padding-h: 14px;\n--wpforms-field-size-checkbox-size: 16px;\n--wpforms-field-size-sublabel-spacing: 5px;\n--wpforms-field-size-icon-size: 1;\n--wpforms-label-size-font-size: 16px;\n--wpforms-label-size-line-height: 19px;\n--wpforms-label-size-sublabel-font-size: 14px;\n--wpforms-label-size-sublabel-line-height: 17px;\n--wpforms-button-size-font-size: 17px;\n--wpforms-button-size-height: 41px;\n--wpforms-button-size-padding-h: 15px;\n--wpforms-button-size-margin-top: 10px;\n--wpforms-container-shadow-size-box-shadow: none;\n\t\t\t}\n\t\t\t<\/style><div class=\"wpforms-container wpforms-container-full vdwpfe-auto-advance online-mortgage-form wpforms-render-modern\" id=\"wpforms-5859\"><form id=\"wpforms-form-5859\" class=\"wpforms-validate wpforms-form wpforms-ajax-form\" data-formid=\"5859\" method=\"post\" enctype=\"multipart\/form-data\" action=\"\/~collinatchinson\/wp-json\/wp\/v2\/pages\/352\" data-token=\"3430fc67b6530cf0c4108b1bc0478c4d\" data-token-time=\"1779346583\"><noscript class=\"wpforms-error-noscript\">Please enable JavaScript in your browser to complete this form.<\/noscript><div id=\"wpforms-error-noscript\" style=\"display: none;\">Please enable JavaScript in your browser to complete this form.<\/div><div class=\"wpforms-page-indicator progress\" data-indicator=\"progress\" data-indicator-color=\"#3e7666\" data-scroll=\"1\" role=\"progressbar\" aria-valuenow=\"1\" aria-valuemin=\"1\" aria-valuemax=\"20\" tabindex=\"-1\"><span class=\"wpforms-page-indicator-page-title\" ><\/span><span class=\"wpforms-page-indicator-page-title-sep\" style=\"display:none;\"> - <\/span><span class=\"wpforms-page-indicator-steps\">Step <span class=\"wpforms-page-indicator-steps-current\">1<\/span> of 20<\/span><div class=\"wpforms-page-indicator-page-progress-wrap\"><div class=\"wpforms-page-indicator-page-progress\" style=\"width:5%;background-color:#3e7666\"><\/div><\/div><\/div><div class=\"wpforms-field-container\"><div class=\"wpforms-page wpforms-page-1 \" data-page=\"1\"><div id=\"wpforms-5859-field_8-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"8\"><\/div><div id=\"wpforms-5859-field_10-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"10\"><div id=\"wpforms-5859-field_10\" aria-errormessage=\"wpforms-5859-field_10-error\">What are your goals?<br \/>We are committed to helping you reach them.<\/div><\/div><div id=\"wpforms-5859-field_11-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline wpforms-conditional-trigger\" data-field-type=\"radio\" data-field-id=\"11\"><fieldset><legend class=\"wpforms-field-label\">Purchase or Refinance<\/legend><ul id=\"wpforms-5859-field_11\" class=\"wpforms-image-choices wpforms-image-choices-modern\"><li class=\"choice-1 depth-1 wpforms-image-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_11_1\" tabindex=\"0\"><span class=\"wpforms-image-choices-image\"><img src=\"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-content\/uploads\/2025\/06\/vd_purchase.webp\" alt=\"I want to purchase\" title=\"I want to purchase\"><\/span><input type=\"radio\" id=\"wpforms-5859-field_11_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][11]\" value=\"I want to purchase\" aria-errormessage=\"wpforms-5859-field_11_1-error\" tabindex=\"-1\"  ><span class=\"wpforms-image-choices-label\">I want to purchase<\/span><\/label><\/li><li class=\"choice-3 depth-1 wpforms-image-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_11_3\" tabindex=\"0\"><span class=\"wpforms-image-choices-image\"><img src=\"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-content\/uploads\/2025\/06\/vd_refinance.webp\" alt=\"I want to refinance\" title=\"I want to refinance\"><\/span><input type=\"radio\" id=\"wpforms-5859-field_11_3\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][11]\" value=\"I want to refinance\" aria-errormessage=\"wpforms-5859-field_11_3-error\" tabindex=\"-1\"  ><span class=\"wpforms-image-choices-label\">I want to refinance<\/span><\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_7-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"7\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"1\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-2  \" data-page=\"2\" style=\"display:none;\"><div id=\"wpforms-5859-field_12-container\" class=\"wpforms-field wpforms-field-html\" data-field-type=\"html\" data-field-id=\"12\"><div id=\"wpforms-5859-field_12\" aria-errormessage=\"wpforms-5859-field_12-error\">Where is the home located?\r\n<small>City or Zip Code<\/small><\/div><\/div><div id=\"wpforms-5859-field_1-container\" class=\"wpforms-field wpforms-field-text\" data-field-type=\"text\" data-field-id=\"1\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_1\">City or Zip Code <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5859-field_1\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][1]\" aria-errormessage=\"wpforms-5859-field_1-error\" required><\/div><div id=\"wpforms-5859-field_13-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"13\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"2\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"2\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-3  \" data-page=\"3\" style=\"display:none;\"><div id=\"wpforms-5859-field_14-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline\" data-field-type=\"radio\" data-field-id=\"14\"><fieldset><legend class=\"wpforms-field-label\">What type of home is it?<\/legend><ul id=\"wpforms-5859-field_14\" class=\"wpforms-icon-choices wpforms-icon-choices-default wpforms-icon-choices-large\" style=\"--wpforms-icon-choices-color: #066aab;\"><li class=\"choice-1 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_14_1\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 576 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M575.8 255.5c0 18-15 32.1-32 32.1h-32l.7 160.2c0 2.7-.2 5.4-.5 8.1V472c0 22.1-17.9 40-40 40H456c-1.1 0-2.2 0-3.3-.1c-1.4 .1-2.8 .1-4.2 .1H416 392c-22.1 0-40-17.9-40-40V448 384c0-17.7-14.3-32-32-32H256c-17.7 0-32 14.3-32 32v64 24c0 22.1-17.9 40-40 40H160 128.1c-1.5 0-3-.1-4.5-.2c-1.2 .1-2.4 .2-3.6 .2H104c-22.1 0-40-17.9-40-40V360c0-.9 0-1.9 .1-2.8V287.6H32c-18 0-32-14-32-32.1c0-9 3-17 10-24L266.4 8c7-7 15-8 22-8s15 2 21 7L564.8 231.5c8 7 12 15 11 24z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_14_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Single Family\" aria-errormessage=\"wpforms-5859-field_14_1-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Single Family<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-2 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_14_2\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 384 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M64 48c-8.8 0-16 7.2-16 16V448c0 8.8 7.2 16 16 16h80V400c0-26.5 21.5-48 48-48s48 21.5 48 48v64h80c8.8 0 16-7.2 16-16V64c0-8.8-7.2-16-16-16H64zM0 64C0 28.7 28.7 0 64 0H320c35.3 0 64 28.7 64 64V448c0 35.3-28.7 64-64 64H64c-35.3 0-64-28.7-64-64V64zm88 40c0-8.8 7.2-16 16-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H104c-8.8 0-16-7.2-16-16V104zM232 88h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H232c-8.8 0-16-7.2-16-16V104c0-8.8 7.2-16 16-16zM88 232c0-8.8 7.2-16 16-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H104c-8.8 0-16-7.2-16-16V232zm144-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H232c-8.8 0-16-7.2-16-16V232c0-8.8 7.2-16 16-16z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_14_2\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Townhouse\" aria-errormessage=\"wpforms-5859-field_14_2-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Townhouse<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-3 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_14_3\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 512 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M0 32C0 14.3 14.3 0 32 0H480c17.7 0 32 14.3 32 32s-14.3 32-32 32V448c17.7 0 32 14.3 32 32s-14.3 32-32 32H304V464c0-26.5-21.5-48-48-48s-48 21.5-48 48v48H32c-17.7 0-32-14.3-32-32s14.3-32 32-32V64C14.3 64 0 49.7 0 32zm96 80v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V112c0-8.8-7.2-16-16-16H112c-8.8 0-16 7.2-16 16zM240 96c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V112c0-8.8-7.2-16-16-16H240zm112 16v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V112c0-8.8-7.2-16-16-16H368c-8.8 0-16 7.2-16 16zM112 192c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V208c0-8.8-7.2-16-16-16H112zm112 16v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V208c0-8.8-7.2-16-16-16H240c-8.8 0-16 7.2-16 16zm144-16c-8.8 0-16 7.2-16 16v32c0 8.8 7.2 16 16 16h32c8.8 0 16-7.2 16-16V208c0-8.8-7.2-16-16-16H368zM328 384c13.3 0 24.3-10.9 21-23.8c-10.6-41.5-48.2-72.2-93-72.2s-82.5 30.7-93 72.2c-3.3 12.8 7.8 23.8 21 23.8H328z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_14_3\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Condominium\" aria-errormessage=\"wpforms-5859-field_14_3-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Condominium<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-4 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_14_4\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 640 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M335.5 4l288 160c15.4 8.6 21 28.1 12.4 43.5s-28.1 21-43.5 12.4L320 68.6 47.5 220c-15.4 8.6-34.9 3-43.5-12.4s-3-34.9 12.4-43.5L304.5 4c9.7-5.4 21.4-5.4 31.1 0zM320 160a40 40 0 1 1 0 80 40 40 0 1 1 0-80zM144 256a40 40 0 1 1 0 80 40 40 0 1 1 0-80zm312 40a40 40 0 1 1 80 0 40 40 0 1 1 -80 0zM226.9 491.4L200 441.5V480c0 17.7-14.3 32-32 32H120c-17.7 0-32-14.3-32-32V441.5L61.1 491.4c-6.3 11.7-20.8 16-32.5 9.8s-16-20.8-9.8-32.5l37.9-70.3c15.3-28.5 45.1-46.3 77.5-46.3h19.5c16.3 0 31.9 4.5 45.4 12.6l33.6-62.3c15.3-28.5 45.1-46.3 77.5-46.3h19.5c32.4 0 62.1 17.8 77.5 46.3l33.6 62.3c13.5-8.1 29.1-12.6 45.4-12.6h19.5c32.4 0 62.1 17.8 77.5 46.3l37.9 70.3c6.3 11.7 1.9 26.2-9.8 32.5s-26.2 1.9-32.5-9.8L552 441.5V480c0 17.7-14.3 32-32 32H472c-17.7 0-32-14.3-32-32V441.5l-26.9 49.9c-6.3 11.7-20.8 16-32.5 9.8s-16-20.8-9.8-32.5l36.3-67.5c-1.7-1.7-3.2-3.6-4.3-5.8L376 345.5V400c0 17.7-14.3 32-32 32H296c-17.7 0-32-14.3-32-32V345.5l-26.9 49.9c-1.2 2.2-2.6 4.1-4.3 5.8l36.3 67.5c6.3 11.7 1.9 26.2-9.8 32.5s-26.2 1.9-32.5-9.8z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_14_4\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][14]\" value=\"Multi-Family\" aria-errormessage=\"wpforms-5859-field_14_4-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Multi-Family<\/span>\n\t\t\t<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_15-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"15\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"3\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"3\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-4  \" data-page=\"4\" style=\"display:none;\"><div id=\"wpforms-5859-field_16-container\" class=\"wpforms-field wpforms-field-radio wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"radio\" data-field-id=\"16\" style=\"display:none;\"><fieldset><legend class=\"wpforms-field-label\">Where are you in the home buying process?<\/legend><ul id=\"wpforms-5859-field_16\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_16_1\" name=\"wpforms[fields][16]\" value=\"Signed a purchase contract\" aria-errormessage=\"wpforms-5859-field_16_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_16_1\">Signed a purchase contract<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_16_2\" name=\"wpforms[fields][16]\" value=\"Found a home\" aria-errormessage=\"wpforms-5859-field_16_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_16_2\">Found a home<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_16_3\" name=\"wpforms[fields][16]\" value=\"Looking to buy within one month\" aria-errormessage=\"wpforms-5859-field_16_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_16_3\">Looking to buy within one month<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_16_4\" name=\"wpforms[fields][16]\" value=\"Looking to buy in 1 to 3 months\" aria-errormessage=\"wpforms-5859-field_16_4-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_16_4\">Looking to buy in 1 to 3 months<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_16_5\" name=\"wpforms[fields][16]\" value=\"Looking to buy in more than 3 months\" aria-errormessage=\"wpforms-5859-field_16_5-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_16_5\">Looking to buy in more than 3 months<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_17-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"17\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"4\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"4\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-5  \" data-page=\"5\" style=\"display:none;\"><div id=\"wpforms-5859-field_18-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"radio\" data-field-id=\"18\" style=\"display:none;\"><fieldset><legend class=\"wpforms-field-label\">How do you plan to use your new home?<\/legend><ul id=\"wpforms-5859-field_18\" class=\"wpforms-icon-choices wpforms-icon-choices-default wpforms-icon-choices-large\" style=\"--wpforms-icon-choices-color: #066aab;\"><li class=\"choice-1 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_18_1\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 576 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M543.8 287.6c17 0 32-14 32-32.1c1-9-3-17-11-24L512 185V64c0-17.7-14.3-32-32-32H448c-17.7 0-32 14.3-32 32v36.7L309.5 7c-6-5-14-7-21-7s-15 1-22 8L10 231.5c-7 7-10 15-10 24c0 18 14 32.1 32 32.1h32v69.7c-.1 .9-.1 1.8-.1 2.8V472c0 22.1 17.9 40 40 40h16c1.2 0 2.4-.1 3.6-.2c1.5 .1 3 .2 4.5 .2H160h24c22.1 0 40-17.9 40-40V448 384c0-17.7 14.3-32 32-32h64c17.7 0 32 14.3 32 32v64 24c0 22.1 17.9 40 40 40h24 32.5c1.4 0 2.8 0 4.2-.1c1.1 .1 2.2 .1 3.3 .1h16c22.1 0 40-17.9 40-40V455.8c.3-2.6 .5-5.3 .5-8.1l-.7-160.2h32z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_18_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][18]\" value=\"Primary Residence\" aria-errormessage=\"wpforms-5859-field_18_1-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Primary Residence<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-2 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_18_2\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 576 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M346.3 271.8l-60.1-21.9L214 448H32c-17.7 0-32 14.3-32 32s14.3 32 32 32H544c17.7 0 32-14.3 32-32s-14.3-32-32-32H282.1l64.1-176.2zm121.1-.2l-3.3 9.1 67.7 24.6c18.1 6.6 38-4.2 39.6-23.4c6.5-78.5-23.9-155.5-80.8-208.5c2 8 3.2 16.3 3.4 24.8l.2 6c1.8 57-7.3 113.8-26.8 167.4zM462 99.1c-1.1-34.4-22.5-64.8-54.4-77.4c-.9-.4-1.9-.7-2.8-1.1c-33-11.7-69.8-2.4-93.1 23.8l-4 4.5C272.4 88.3 245 134.2 226.8 184l-3.3 9.1L434 269.7l3.3-9.1c18.1-49.8 26.6-102.5 24.9-155.5l-.2-6zM107.2 112.9c-11.1 15.7-2.8 36.8 15.3 43.4l71 25.8 3.3-9.1c19.5-53.6 49.1-103 87.1-145.5l4-4.5c6.2-6.9 13.1-13 20.5-18.2c-79.6 2.5-154.7 42.2-201.2 108z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_18_2\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][18]\" value=\"Vacation Property\" aria-errormessage=\"wpforms-5859-field_18_2-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Vacation Property<\/span>\n\t\t\t<\/label><\/li><li class=\"choice-3 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_18_3\">\n\t\t\t\t<span class=\"wpforms-icon-choices-icon\">\n\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"80\" height=\"64\" viewBox=\"0 0 384 512\"><!--! Font Awesome Free 6.4.0 by @fontawesome - https:\/\/fontawesome.com License - https:\/\/fontawesome.com\/license\/free (Icons: CC BY 4.0, Fonts: SIL OFL 1.1, Code: MIT License) Copyright 2023 Fonticons, Inc. --><path d=\"M64 48c-8.8 0-16 7.2-16 16V448c0 8.8 7.2 16 16 16h80V400c0-26.5 21.5-48 48-48s48 21.5 48 48v64h80c8.8 0 16-7.2 16-16V64c0-8.8-7.2-16-16-16H64zM0 64C0 28.7 28.7 0 64 0H320c35.3 0 64 28.7 64 64V448c0 35.3-28.7 64-64 64H64c-35.3 0-64-28.7-64-64V64zm88 40c0-8.8 7.2-16 16-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H104c-8.8 0-16-7.2-16-16V104zM232 88h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H232c-8.8 0-16-7.2-16-16V104c0-8.8 7.2-16 16-16zM88 232c0-8.8 7.2-16 16-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H104c-8.8 0-16-7.2-16-16V232zm144-16h48c8.8 0 16 7.2 16 16v48c0 8.8-7.2 16-16 16H232c-8.8 0-16-7.2-16-16V232c0-8.8 7.2-16 16-16z\"\/><\/svg>\n\t\t\t\t\t<span class=\"wpforms-icon-choices-icon-bg\"><\/span>\n\t\t\t\t<\/span>\n\t\t\t\t<input type=\"radio\" id=\"wpforms-5859-field_18_3\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][18]\" value=\"Investment Property\" aria-errormessage=\"wpforms-5859-field_18_3-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Investment Property<\/span>\n\t\t\t<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_19-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"19\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"5\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"5\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-6  \" data-page=\"6\" style=\"display:none;\"><div id=\"wpforms-5859-field_20-container\" class=\"wpforms-field wpforms-field-radio wpforms-conditional-trigger\" data-field-type=\"radio\" data-field-id=\"20\"><fieldset><legend class=\"wpforms-field-label\">Have you or your spouse served in the US military?<\/legend><ul id=\"wpforms-5859-field_20\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_20_1\" name=\"wpforms[fields][20]\" value=\"Yes\" aria-errormessage=\"wpforms-5859-field_20_1-error\" aria-describedby=\"wpforms-5859-field_20-description\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_20_1\">Yes<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_20_2\" name=\"wpforms[fields][20]\" value=\"No\" aria-errormessage=\"wpforms-5859-field_20_2-error\" aria-describedby=\"wpforms-5859-field_20-description\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_20_2\">No<\/label><\/li><\/ul><div id=\"wpforms-5859-field_20-description\" class=\"wpforms-field-description\">Veterans and active US military may be eligible for a $0 down VA loan when purchasing a home.<\/div><\/fieldset><\/div><div id=\"wpforms-5859-field_22-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"22\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"6\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"6\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-7  \" data-page=\"7\" style=\"display:none;\"><div id=\"wpforms-5859-field_21-container\" class=\"wpforms-field wpforms-field-radio wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"radio\" data-field-id=\"21\" style=\"display:none;\"><fieldset><legend class=\"wpforms-field-label\">What is your (or your spouse&#039;s) branch of military service?<\/legend><ul id=\"wpforms-5859-field_21\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_21_1\" name=\"wpforms[fields][21]\" value=\"Army\" aria-errormessage=\"wpforms-5859-field_21_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_21_1\">Army<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_21_2\" name=\"wpforms[fields][21]\" value=\"Marine Corps\" aria-errormessage=\"wpforms-5859-field_21_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_21_2\">Marine Corps<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_21_3\" name=\"wpforms[fields][21]\" value=\"Navy\" aria-errormessage=\"wpforms-5859-field_21_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_21_3\">Navy<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_21_4\" name=\"wpforms[fields][21]\" value=\"Air Force\" aria-errormessage=\"wpforms-5859-field_21_4-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_21_4\">Air Force<\/label><\/li><li class=\"choice-6 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_21_6\" name=\"wpforms[fields][21]\" value=\"Coast Guard\" aria-errormessage=\"wpforms-5859-field_21_6-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_21_6\">Coast Guard<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_21_5\" name=\"wpforms[fields][21]\" value=\"National Guard\" aria-errormessage=\"wpforms-5859-field_21_5-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_21_5\">National Guard<\/label><\/li><li class=\"choice-9 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_21_9\" name=\"wpforms[fields][21]\" value=\"Military Spouse\" aria-errormessage=\"wpforms-5859-field_21_9-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_21_9\">Military Spouse<\/label><\/li><li class=\"choice-8 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_21_8\" name=\"wpforms[fields][21]\" value=\"Other VA Eligibility\" aria-errormessage=\"wpforms-5859-field_21_8-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_21_8\">Other VA Eligibility<\/label><\/li><li class=\"choice-7 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_21_7\" name=\"wpforms[fields][21]\" value=\"No Military Experience\" aria-errormessage=\"wpforms-5859-field_21_7-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_21_7\">No Military Experience<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_23-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"23\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"7\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"7\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-8  \" data-page=\"8\" style=\"display:none;\"><div id=\"wpforms-5859-field_24-container\" class=\"wpforms-field wpforms-field-radio wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"radio\" data-field-id=\"24\" style=\"display:none;\"><fieldset><legend class=\"wpforms-field-label\">Are you actively working with a real estate agent?<\/legend><ul id=\"wpforms-5859-field_24\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_24_1\" name=\"wpforms[fields][24]\" value=\"Yes\" aria-errormessage=\"wpforms-5859-field_24_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_24_1\">Yes<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_24_2\" name=\"wpforms[fields][24]\" value=\"No\" aria-errormessage=\"wpforms-5859-field_24_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_24_2\">No<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_25-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"25\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"8\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"8\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-9  \" data-page=\"9\" style=\"display:none;\"><div id=\"wpforms-5859-field_26-container\" class=\"wpforms-field wpforms-field-radio wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"radio\" data-field-id=\"26\" style=\"display:none;\"><fieldset><legend class=\"wpforms-field-label\">Is this your first time purchasing a home?<\/legend><ul id=\"wpforms-5859-field_26\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_26_1\" name=\"wpforms[fields][26]\" value=\"Yes\" aria-errormessage=\"wpforms-5859-field_26_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_26_1\">Yes<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_26_2\" name=\"wpforms[fields][26]\" value=\"No\" aria-errormessage=\"wpforms-5859-field_26_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_26_2\">No<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_27-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"27\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"9\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"9\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-10  \" data-page=\"10\" style=\"display:none;\"><div id=\"wpforms-5859-field_29-container\" class=\"wpforms-field wpforms-field-number-slider wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"29\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_29\">What is the approximate purchase price of the new property?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_29\" class=\"wpforms-field-medium\" name=\"wpforms[fields][29]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_29-error\" aria-describedby=\"wpforms-5859-field_29-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"10000\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-5859-field_29-description\" class=\"wpforms-field-description\">(It's OK to estimate)<\/div><\/div><div id=\"wpforms-5859-field_30-container\" class=\"wpforms-field wpforms-field-number-slider wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"30\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_30\">What is the estimated value of your property?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_30\" class=\"wpforms-field-medium\" name=\"wpforms[fields][30]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_30-error\" aria-describedby=\"wpforms-5859-field_30-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"10000\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-5859-field_30-description\" class=\"wpforms-field-description\">Use the slider to select the price range of homes you're interested in (it's OK to estimate)<\/div><\/div><div id=\"wpforms-5859-field_31-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"31\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"10\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"10\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-11  \" data-page=\"11\" style=\"display:none;\"><div id=\"wpforms-5859-field_33-container\" class=\"wpforms-field wpforms-field-number-slider vd-two-fields-page wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"33\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_33\">How much do you have for a down payment?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_33\" class=\"wpforms-field-medium\" name=\"wpforms[fields][33]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_33-error\" aria-describedby=\"wpforms-5859-field_33-description\"\t\tmin=\"0\"\n\tmax=\"80\"\n\tstep=\"1\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: {value}%\">\n\tSelected Value: <b>0<\/b>%<\/div>\n<div id=\"wpforms-5859-field_33-description\" class=\"wpforms-field-description\">(It's OK to estimate)<\/div><\/div><div id=\"wpforms-5859-field_61-container\" class=\"wpforms-field wpforms-field-payment-single vd-two-fields-page wpforms-conditional-field wpforms-conditional-show wpforms-calculations-field\" data-field-type=\"payment-single\" data-field-id=\"61\" style=\"display:none;\"><label class=\"wpforms-field-label wpforms-label-hide\" aria-hidden=\"false\">Single Item<\/label><div class=\"wpforms-single-item-price-content\"><div class=\"wpforms-single-item-price wpforms-field-small wpforms-payment-price\">Down Payment: <span class=\"wpforms-price\">&#036;0.00<\/span><\/div><\/div><input type=\"hidden\" id=\"wpforms-5859-field_61\" class=\"wpforms-field-small wpforms-payment-price\" name=\"wpforms[fields][61]\"><\/div><div id=\"wpforms-5859-field_34-container\" class=\"wpforms-field wpforms-field-number-slider wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"34\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_34\">What is the balance of your first mortgage?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_34\" class=\"wpforms-field-medium\" name=\"wpforms[fields][34]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_34-error\" aria-describedby=\"wpforms-5859-field_34-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"5000\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-5859-field_34-description\" class=\"wpforms-field-description\">(It's OK to estimate)<\/div><\/div><div id=\"wpforms-5859-field_35-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"35\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"11\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"11\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-12  \" data-page=\"12\" style=\"display:none;\"><div id=\"wpforms-5859-field_36-container\" class=\"wpforms-field wpforms-field-number-slider wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"36\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_36\">What is the interest rate of your first mortgage?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_36\" class=\"wpforms-field-medium\" name=\"wpforms[fields][36]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_36-error\" aria-describedby=\"wpforms-5859-field_36-description\"\t\tmin=\"0\"\n\tmax=\"10\"\n\tstep=\"0.125\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: {value}\">\n\tSelected Value: <b>0<\/b><\/div>\n<div id=\"wpforms-5859-field_36-description\" class=\"wpforms-field-description\">(It's OK to estimate)<\/div><\/div><div id=\"wpforms-5859-field_37-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"37\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"12\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"12\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-13  \" data-page=\"13\" style=\"display:none;\"><div id=\"wpforms-5859-field_38-container\" class=\"wpforms-field wpforms-field-radio wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"radio\" data-field-id=\"38\" style=\"display:none;\"><fieldset><legend class=\"wpforms-field-label\">Do you have a second mortgage?<\/legend><ul id=\"wpforms-5859-field_38\"><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_38_2\" name=\"wpforms[fields][38]\" value=\"Yes\" aria-errormessage=\"wpforms-5859-field_38_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_38_2\">Yes<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_38_3\" name=\"wpforms[fields][38]\" value=\"No\" aria-errormessage=\"wpforms-5859-field_38_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_38_3\">No<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_39-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"39\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"13\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"13\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-14  \" data-page=\"14\" style=\"display:none;\"><div id=\"wpforms-5859-field_40-container\" class=\"wpforms-field wpforms-field-number-slider wpforms-conditional-field wpforms-conditional-show\" data-field-type=\"number-slider\" data-field-id=\"40\" style=\"display:none;\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_40\">How much additional cash do you wish to borrow?<\/label>\n<input\n\ttype=\"range\"\n\tid=\"wpforms-5859-field_40\" class=\"wpforms-field-medium\" name=\"wpforms[fields][40]\" value=\"0\" aria-errormessage=\"wpforms-5859-field_40-error\" aria-describedby=\"wpforms-5859-field_40-description\"\t\tmin=\"0\"\n\tmax=\"2000000\"\n\tstep=\"2500\">\n\n<div class=\"wpforms-field-number-slider-hint\"\n\tdata-hint=\"Selected Value: ${value}\">\n\tSelected Value: $<b>0<\/b><\/div>\n<div id=\"wpforms-5859-field_40-description\" class=\"wpforms-field-description\">(It's OK to estimate or if no cash-out leave at $0)<\/div><\/div><div id=\"wpforms-5859-field_41-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"41\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"14\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"14\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-15  \" data-page=\"15\" style=\"display:none;\"><div id=\"wpforms-5859-field_42-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"42\"><fieldset><legend class=\"wpforms-field-label\">What is your current employment status?<\/legend><ul id=\"wpforms-5859-field_42\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_42_1\" name=\"wpforms[fields][42]\" value=\"Employed\" aria-errormessage=\"wpforms-5859-field_42_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_42_1\">Employed<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_42_2\" name=\"wpforms[fields][42]\" value=\"Self-Employed\/1099 Independent Contractor\" aria-errormessage=\"wpforms-5859-field_42_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_42_2\">Self-Employed\/1099 Independent Contractor<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_42_3\" name=\"wpforms[fields][42]\" value=\"Retired\" aria-errormessage=\"wpforms-5859-field_42_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_42_3\">Retired<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_43-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"43\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"15\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"15\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-16  \" data-page=\"16\" style=\"display:none;\"><div id=\"wpforms-5859-field_44-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"44\"><fieldset><legend class=\"wpforms-field-label\">What is your household gross (before taxes) annual income?<\/legend><ul id=\"wpforms-5859-field_44\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_44_1\" name=\"wpforms[fields][44]\" value=\"Less than $30,000\" aria-errormessage=\"wpforms-5859-field_44_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_44_1\">Less than $30,000<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_44_2\" name=\"wpforms[fields][44]\" value=\"$30,000 - $50,000\" aria-errormessage=\"wpforms-5859-field_44_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_44_2\">$30,000 - $50,000<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_44_3\" name=\"wpforms[fields][44]\" value=\"$50,000 - $75,000\" aria-errormessage=\"wpforms-5859-field_44_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_44_3\">$50,000 - $75,000<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_44_5\" name=\"wpforms[fields][44]\" value=\"$75,000 - $100,000\" aria-errormessage=\"wpforms-5859-field_44_5-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_44_5\">$75,000 - $100,000<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_44_4\" name=\"wpforms[fields][44]\" value=\"Greater than $100,000\" aria-errormessage=\"wpforms-5859-field_44_4-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_44_4\">Greater than $100,000<\/label><\/li><\/ul><\/fieldset><\/div>\t\t<div id=\"wpforms-5859-field_2-container\"\n\t\t\tclass=\"wpforms-field wpforms-field-text\"\n\t\t\tdata-field-type=\"text\"\n\t\t\tdata-field-id=\"2\"\n\t\t\t>\n\t\t\t<label class=\"wpforms-field-label\" for=\"wpforms-5859-field_2\" >military property? address?<\/label>\n\t\t\t<input type=\"text\" id=\"wpforms-5859-field_2\" class=\"wpforms-field-medium\" name=\"wpforms[fields][2]\" >\n\t\t<\/div>\n\t\t<div id=\"wpforms-5859-field_45-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"45\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"16\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"16\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-17  \" data-page=\"17\" style=\"display:none;\"><div id=\"wpforms-5859-field_46-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"46\"><fieldset><legend class=\"wpforms-field-label\">What is your credit score?<\/legend><ul id=\"wpforms-5859-field_46\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_46_1\" name=\"wpforms[fields][46]\" value=\"Excellent 740+\" aria-errormessage=\"wpforms-5859-field_46_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_46_1\">Excellent 740+<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_46_2\" name=\"wpforms[fields][46]\" value=\"Good 700-739\" aria-errormessage=\"wpforms-5859-field_46_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_46_2\">Good 700-739<\/label><\/li><li class=\"choice-3 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_46_3\" name=\"wpforms[fields][46]\" value=\"Average 660-699\" aria-errormessage=\"wpforms-5859-field_46_3-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_46_3\">Average 660-699<\/label><\/li><li class=\"choice-4 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_46_4\" name=\"wpforms[fields][46]\" value=\"Fair 600-659\" aria-errormessage=\"wpforms-5859-field_46_4-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_46_4\">Fair 600-659<\/label><\/li><li class=\"choice-5 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_46_5\" name=\"wpforms[fields][46]\" value=\"Poor &lt; 600\" aria-errormessage=\"wpforms-5859-field_46_5-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_46_5\">Poor &lt; 600<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_47-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"47\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"17\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"17\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-18  \" data-page=\"18\" style=\"display:none;\"><div id=\"wpforms-5859-field_48-container\" class=\"wpforms-field wpforms-field-radio\" data-field-type=\"radio\" data-field-id=\"48\"><fieldset><legend class=\"wpforms-field-label\">Have you had a bankruptcy or foreclosure in the past 3 years?<\/legend><ul id=\"wpforms-5859-field_48\"><li class=\"choice-1 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_48_1\" name=\"wpforms[fields][48]\" value=\"Yes\" aria-errormessage=\"wpforms-5859-field_48_1-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_48_1\">Yes<\/label><\/li><li class=\"choice-2 depth-1\"><input type=\"radio\" id=\"wpforms-5859-field_48_2\" name=\"wpforms[fields][48]\" value=\"No\" aria-errormessage=\"wpforms-5859-field_48_2-error\"  ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_48_2\">No<\/label><\/li><\/ul><\/fieldset><\/div><div id=\"wpforms-5859-field_49-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"49\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"18\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"18\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-19  \" data-page=\"19\" style=\"display:none;\"><div id=\"wpforms-5859-field_50-container\" class=\"wpforms-field wpforms-field-text\" data-field-type=\"text\" data-field-id=\"50\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_50\">What is your first name? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5859-field_50\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][50]\" aria-errormessage=\"wpforms-5859-field_50-error\" required><\/div><div id=\"wpforms-5859-field_51-container\" class=\"wpforms-field wpforms-field-text\" data-field-type=\"text\" data-field-id=\"51\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_51\">What is your last name? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"text\" id=\"wpforms-5859-field_51\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][51]\" aria-errormessage=\"wpforms-5859-field_51-error\" required><\/div><div id=\"wpforms-5859-field_52-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"52\"><div class=\"wpforms-clear wpforms-pagebreak-left\"><button class=\"wpforms-page-button wpforms-page-prev wpforms-disabled\"\n\t\t\t\t\tdata-action=\"prev\" data-page=\"19\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Back<\/button><button class=\"wpforms-page-button wpforms-page-next wpforms-disabled\"\n\t\t\t\t\tdata-action=\"next\" data-page=\"19\" data-formid=\"5859\" aria-disabled=\"true\" aria-describedby=\"wpforms-error-noscript\">Next<\/button><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-20 last \" data-page=\"20\" style=\"display:none;\"><div id=\"wpforms-5859-field_53-container\" class=\"wpforms-field wpforms-field-email\" data-field-type=\"email\" data-field-id=\"53\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_53\">What is your email address? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"email\" id=\"wpforms-5859-field_53\" class=\"wpforms-field-medium wpforms-field-required\" name=\"wpforms[fields][53]\" spellcheck=\"false\" aria-errormessage=\"wpforms-5859-field_53-error\" required><\/div><div id=\"wpforms-5859-field_54-container\" class=\"wpforms-field wpforms-field-phone\" data-field-type=\"phone\" data-field-id=\"54\"><label class=\"wpforms-field-label\" for=\"wpforms-5859-field_54\">What is your phone number? <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/label><input type=\"tel\" id=\"wpforms-5859-field_54\" class=\"wpforms-field-medium wpforms-field-required wpforms-masked-input\" data-inputmask=\"&#039;mask&#039;: &#039;(999) 999-9999&#039;\" data-rule-us-phone-field=\"true\" data-inputmask-inputmode=\"tel\" name=\"wpforms[fields][54]\" aria-label=\"What is your phone number?\" aria-errormessage=\"wpforms-5859-field_54-error\" required><\/div><div id=\"wpforms-5859-field_56-container\" class=\"wpforms-field wpforms-field-checkbox\" data-field-type=\"checkbox\" data-field-id=\"56\"><fieldset><legend class=\"wpforms-field-label\">Communications Policy <span class=\"wpforms-required-label\" aria-hidden=\"true\">*<\/span><\/legend><ul id=\"wpforms-5859-field_56\" class=\"wpforms-field-required\"><li class=\"choice-1 depth-1\"><input type=\"checkbox\" id=\"wpforms-5859-field_56_1\" name=\"wpforms[fields][56][]\" value=\"I agree to the Communications Policy.\" aria-errormessage=\"wpforms-5859-field_56_1-error\" aria-describedby=\"wpforms-5859-field_56-description\" required ><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_56_1\">I agree to the Communications Policy.<\/label><\/li><\/ul><div id=\"wpforms-5859-field_56-description\" class=\"wpforms-field-description\"><font size=\"3\">We may communicate with you in a variety of different ways including by email, voicemail, mail, text and SMS messaging, and in person. Some communications occur through multiple channels. Such communications are confidential and only intended for you or persons authorized to act on your behalf. By using the Service, you acknowledge the following communications-related practices. By providing a telephone number and submitting the form you are consenting to be contacted by SMS text message (our message frequency may vary). Message &amp; data rates apply. Reply STOP to unsubscribe from further messaging. Reply HELP for more information. See our <a href=\"\/privacy-policy\/\">Privacy Policy<\/a><\/font><\/div><\/fieldset><\/div><div id=\"wpforms-5859-field_9-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"9\"><\/div><\/div><script>\n\t\t\t\t( function() {\n\t\t\t\t\tconst style = document.createElement( 'style' );\n\t\t\t\t\tstyle.appendChild( document.createTextNode( '#wpforms-5859-field_2-container { position: absolute !important; overflow: hidden !important; display: inline !important; height: 1px !important; width: 1px !important; z-index: -1000 !important; padding: 0 !important; } #wpforms-5859-field_2-container input { visibility: hidden; } #wpforms-conversational-form-page #wpforms-5859-field_2-container label { counter-increment: none; }' ) );\n\t\t\t\t\tdocument.head.appendChild( style );\n\t\t\t\t\tdocument.currentScript?.remove();\n\t\t\t\t} )();\n\t\t\t<\/script><\/div><!-- .wpforms-field-container --><div class=\"wpforms-submit-container\" style=\"display:none;\"><input type=\"hidden\" name=\"wpforms[id]\" value=\"5859\"><input type=\"hidden\" name=\"page_title\" value=\"\"><input type=\"hidden\" name=\"page_url\" value=\"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-json\/wp\/v2\/pages\/352\"><input type=\"hidden\" name=\"url_referer\" value=\"\"><button type=\"submit\" name=\"wpforms[submit]\" id=\"wpforms-submit-5859\" class=\"wpforms-submit\" data-alt-text=\"Sending...\" data-submit-text=\"Submit\" aria-live=\"assertive\" value=\"wpforms-submit\">Submit<\/button><img src=\"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-submit-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/div><\/form><\/div>  <!-- .wpforms-container -->[\/vc_column][\/vc_row][vc_section local_scroll_id=&#8221;Schema Markup&#8221; el_id=&#8221;Schema Markup&#8221;][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1760112174928{padding-top: 80px !important;padding-bottom: 60px !important;background-color: #F7F7F7 !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1760112295407{padding-top: 15px !important;padding-right: 15px !important;padding-bottom: 30px !important;padding-left: 15px !important;border-radius: 20px !important;}&#8221; width=&#8221;1000&#8243; font_size=&#8221;16&#8243; wpex_bg_color=&#8221;#ffffff&#8221;]<section class=\"vls-faqs\"><h3>Frequently Asked Questions<\/h3><div class=\"vls-faq-item\"><h4>What does it mean to refinance a home loan?<\/h4><p>Refinancing means replacing your existing mortgage with a new one\u2014usually to change the loan\u2019s term, type, or interest rate. Homeowners often refinance to lower monthly payments, pay off their loan faster, or access equity through a cash-out refinance.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>What are the different types of refinance options?<\/h4><p>Common refinance options include rate-and-term refinancing, which changes your loan\u2019s rate or length, and cash-out refinancing, which allows you to borrow against your home\u2019s equity and receive cash at closing.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>When is it a good time to refinance?<\/h4><p>Homeowners typically consider refinancing when they want to adjust their loan term, switch from an adjustable-rate to a fixed-rate mortgage, consolidate debt, or use home equity for improvements. Timing depends on personal goals and market conditions.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>Does refinancing reset your mortgage term?<\/h4><p>It can. When you refinance, you start a new loan term\u2014often 15 or 30 years. However, you can choose a shorter term to help pay off the loan sooner and potentially save on long-term interest.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>Are there costs associated with refinancing?<\/h4><p>Yes. Refinancing typically involves closing costs, which may include appraisal fees, title insurance, and lender fees. Some lenders offer no-closing-cost refinance options, where costs are rolled into the loan amount or interest rate.<\/p>\n<\/div><\/section>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"vcex-shortcode wpex-clr\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FinancialProduct\",\"@id\":\"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/#loan-refinance\",\"name\":\"Refinance\",\"description\":\"Mortgage program information for this page.\",\"category\":\"MortgageLoan\",\"provider\":{\"@type\":\"Organization\",\"name\":\"E Zip Mortgage\",\"url\":\"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/\"},\"termsOfService\":\"\/terms-of-use\/\"},{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/#faq-loan-program\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What does it mean to refinance a home loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Refinancing means replacing your existing mortgage with a new one\u2014usually to change the loan\u2019s term, type, or interest rate. 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Some lenders offer no-closing-cost refinance options, where costs are rolled into the loan amount or interest rate.\"}}]}]}<\/script><\/div>[\/vc_column][\/vc_row][\/vc_section]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;60&#8243; css=&#8221;.vc_custom_1767973970246{padding-top: 75px !important;background-color: #f7f7f7 !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text font_weight=&#8221;500&#8243; el_class=&#8221;wpex-antialiased&#8221;]A mortgage refinance is the replacement of an existing mortgage with another mortgage under different terms.[\/vc_column_text][\/vc_column][vc_column width=&#8221;1\/2&#8243;][\/vc_column][\/vc_row][vc_row local_scroll_id=&#8221;learn&#8221; css=&#8221;.vc_custom_1756148797204{padding-top: 100px !important;padding-bottom: 80px !important;}&#8221; el_id=&#8221;learn&#8221;][vc_column][vc_column_text css=&#8221;&#8221; width=&#8221;1000&#8243;] What Is a Mortgage Refinance? A mortgage refinance is the process of replacing your existing home loan with&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":22,"menu_order":4,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_mbp_gutenberg_autopost":false,"footnotes":""},"class_list":["post-352","page","type-page","status-publish","hentry","entry","no-media"],"_links":{"self":[{"href":"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-json\/wp\/v2\/pages\/352","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-json\/wp\/v2\/comments?post=352"}],"version-history":[{"count":7,"href":"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-json\/wp\/v2\/pages\/352\/revisions"}],"predecessor-version":[{"id":6261,"href":"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-json\/wp\/v2\/pages\/352\/revisions\/6261"}],"up":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-json\/wp\/v2\/pages\/22"}],"wp:attachment":[{"href":"https:\/\/mega5.vonkdigital.com\/~collinatchinson\/wp-json\/wp\/v2\/media?parent=352"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}