{"id":2159,"date":"2023-10-04T17:11:22","date_gmt":"2023-10-04T17:11:22","guid":{"rendered":"http:\/\/demo1.vonkdigital-mortgagewebsites.com\/?page_id=2159"},"modified":"2026-07-02T06:28:33","modified_gmt":"2026-07-02T13:28:33","slug":"usda-loan","status":"publish","type":"page","link":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/loan-options\/usda-loan\/","title":{"rendered":"USDA Loan"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; column_spacing=&#8221;60&#8243; css=&#8221;.vc_custom_1782998910594{padding-top: 75px !important;background-color: #FBFAF7 !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;]<style>.vonk_6a6885e0ebf75{font-size:35px;font-weight:700;}<\/style><h1 class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk_6a6885e0ebf75\"><span class=\"vonk-heading-inner vonk-inline-block\">USDA Loans offer flexible options as either Fixed Rate or Adjustable Rate mortgages.<\/span><\/h1><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:15px;\"><\/div>[vc_column_text font_weight=&#8221;500&#8243; el_class=&#8221;wpex-antialiased&#8221;]Buying a home with little or no down payment can provide opportunities for buyers that otherwise may not be able to become homeowners.[\/vc_column_text]<div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:45px;\"><\/div><style>.vonk_6a6885e0edb70{gap:15px;}.vonk_6a6885e107730{background:#ffffff;color:#363636!important;border:solid #363636 1px;}.vonk_6a6885e107730:hover{background:#b7b7b7!important;color:#ffffff!important;}<\/style><div class=\"vonk-flex-container vonk-flex vonk-gap-20 vonk-flex-wrap vonk_6a6885e0edb70\"><div class=\"theme-button-wrap vonk-text-center vonk-clr\"><a href=\"#quote\" class=\"vonk-button theme-button align-center vonk-mb-15 inline animated-theme-button hvr hvr-float local-scroll-link\"><span class=\"vonk-button-inner theme-button-inner vonk-flex vonk-flex-wrap vonk-items-center vonk-justify-center\"><span class=\"vonk-button-icon vonk-icon-wrap theme-button-icon-left\"><span class=\"vonk-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 vonk-text-center vonk-clr\"><a href=\"#learn\" class=\"vonk-button theme-button align-center vonk-mb-15 inline hvr hvr-float local-scroll-link vonk_6a6885e107730\"><span class=\"vonk-button-inner theme-button-inner vonk-flex vonk-flex-wrap vonk-items-center vonk-justify-center\"><span class=\"vonk-button-icon vonk-icon-wrap theme-button-icon-left\"><span class=\"vonk-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=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:40px;\"><\/div>[\/vc_column][vc_column width=&#8221;1\/2&#8243;]<style>.vonk_6a6885e107c68 .vonk-image-img{border-radius:20px;}<\/style><figure class=\"vonk-image vonk-text-center vonk_6a6885e107c68\"><div class=\"vonk-image-inner vonk-relative vonk-inline-block\"><img width=\"800\" height=\"533\" src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/uploads\/2021\/11\/USDA-Loan.jpg\" class=\"vonk-image-img vonk-align-middle vonk-shadow\" alt=\"A single-story house with light gray siding, dark shutters, and a brick chimney, sits on a neatly trimmed lawn with bushes and a wooden deck on the left side.\" loading=\"lazy\" decoding=\"async\" srcset=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/uploads\/2021\/11\/USDA-Loan.jpg 800w, https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/uploads\/2021\/11\/USDA-Loan-300x200.jpg 300w, https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/uploads\/2021\/11\/USDA-Loan-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_1756141622872{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;]USDA Loans offer flexible options as either Fixed Rate or Adjustable Rate mortgages. You may qualify with less than perfect credit. Buying a home with little or no down payment can provide opportunities for buyers that otherwise may not be able to become homeowners. Fortunately for today\u2019s buyers, there are a few programs that can help them qualify for a mortgage with a very small down payment. One that is not widely discussed is the USDA Single Family Housing Guaranteed Loan Program.<\/p>\n<h2>What is a USDA home loan?<\/h2>\n<p>The United States Department of Agriculture, USDA, administers the program but does not actually loan money. Similar to loans backed by the Department of Veterans Affairs, VA, or Federal Housing Administration, FHA, these loans are guaranteed by the USDA. Private lenders, such as banks or credit unions, still loan money to the home buyer but they know that the USDA will pay if the borrower is unable.<\/p>\n<p>This allows lenders to assume less risk, and as a result they are okay requiring less money down.<\/p>\n<h2>Who can use the USDA program?<\/h2>\n<p>Contrary to its name, the USDA loan is not only available for those in an agricultural setting. The USDA loan is designed to help \u201clow and moderate income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas.\u201d<\/p>\n<p>To use the USDA loan, applicants must meet income requirements and be purchasing a home for their own primary use in an eligible area. Potential homeowners can look up each property\u2019s address to see if it qualifies or talk to a lender about using a USDA loan in their area. The loan can be used for new homes, existing homes, and even homes that need some renovations.<\/p>\n<p>If coming up with a sizable down payment is holding you back from your dreams of home ownership, the USDA loan may be just the answer you are looking for.<\/p>\n<h2>How USDA Loans Work<\/h2>\n<ul>\n<li>Purchase your home with as little as 0% down payment.<\/li>\n<li>30-, 25-, 20- and 15-year terms are all available with fixed rates.<\/li>\n<li>5-year adjustable rate mortgage available.<\/li>\n<li>No monthly PMI (Private Mortgage Insurance).<\/li>\n<li>USDA loans are governed by the U.S. Department of Agriculture.<\/li>\n<li>Pay your mortgage off at any time without pre-payment penalties.<\/li>\n<\/ul>\n<h2>Qualification Requirements<\/h2>\n<ul>\n<li>Household income limits apply and are based on location.<\/li>\n<li>Only available in certain areas. Talk to a specialist today to see if it is an option for you!<\/li>\n<li>Buy a home with no money down (primary home).<\/li>\n<li>Refinance up to 100% of your primary home\u2019s value.<\/li>\n<\/ul>\n<p>Have questions?\u00a0 <a href=\"\/contact-us\/\">Give us a call!<\/a> One of our mortgage specialists would be happy to answer all of your questions.<\/p>\n<p>**This company is not affiliated with or acting on behalf of or at the direction of FHA, VA, USDA or the Federal Government.[\/vc_column_text][\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; css=&#8221;.vc_custom_1782997299001{padding-top: 80px !important;padding-bottom: 50px !important;}&#8221; vonk_bg_color=&#8221;#fbfaf7&#8243;][vc_column]<style>.vonk_6a6885e10ae26{color:var(--vonk-accent);font-size:16px;font-weight:600;text-transform:uppercase;line-height:1.3;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk-text-left vonk_6a6885e10ae26\"><span class=\"vonk-heading-inner vonk-inline-block\">- Client Resources<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:20px;\"><\/div><style>.vonk_6a6885e129b0e{font-size:35px;font-weight:600;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk_6a6885e129b0e\"><span class=\"vonk-heading-inner vonk-inline-block\">Everything you need, in one place.<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:20px;\"><\/div>[vc_column_text align=&#8221;left&#8221; css=&#8221;&#8221; text_align=&#8221;left&#8221; width=&#8221;600&#8243; line_height=&#8221;1.5&#8243; font_size=&#8221;16&#8243;]Explore our calculators, loan programs, and insights \u2014 then request a free consultation whenever you&#8217;re ready.[\/vc_column_text]<style>.vonk_6a6885e129de9{gap:30px;}<\/style><div class=\"vonk-grid-container vonk-grid vonk-gap-20 vonk-grid-cols-1 vonk-sm-grid-cols-2 vonk-lg-grid-cols-4 vc_custom_1782309571634 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vonk-icon-box-symbol--icon vonk-mb-20\"><div class=\"vonk-icon-box-icon vonk-items-center vonk-justify-center vonk-child-inherit-color vonk-text-center vonk-leading-none vonk-inline-flex vonk-text-1\"><span class=\"vonk-flex vonk-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\"><path d=\"M64 0C28.7 0 0 28.7 0 64V448c0 35.3 28.7 64 64 64H320c35.3 0 64-28.7 64-64V64c0-35.3-28.7-64-64-64H64zM96 64H288c17.7 0 32 14.3 32 32v32c0 17.7-14.3 32-32 32H96c-17.7 0-32-14.3-32-32V96c0-17.7 14.3-32 32-32zm32 160a32 32 0 1 1 -64 0 32 32 0 1 1 64 0zM96 352a32 32 0 1 1 0-64 32 32 0 1 1 0 64zM64 416c0-17.7 14.3-32 32-32h96c17.7 0 32 14.3 32 32s-14.3 32-32 32H96c-17.7 0-32-14.3-32-32zM192 256a32 32 0 1 1 0-64 32 32 0 1 1 0 64zm32 64a32 32 0 1 1 -64 0 32 32 0 1 1 64 0zm64-64a32 32 0 1 1 0-64 32 32 0 1 1 0 64zm32 64a32 32 0 1 1 -64 0 32 32 0 1 1 64 0zM288 448a32 32 0 1 1 0-64 32 32 0 1 1 0 64z\"\/><\/svg><\/span><\/div><\/div><div class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Mortgage Calculator<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>Run different scenarios &#8211; purchase, refi, rent vs. buy, VA and more&#8230;<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">Open Calculators<\/span><\/div><\/div><\/a><style>.vonk_6a6885e12b4e4{background:#ffffff;padding-block:30px;padding-inline:30px;border-radius:12px;}.vonk_6a6885e12b4e4:hover{background:var(--vonk-accent);}.vonk_6a6885e12b4e4 .vonk-icon-box-content{font-size:14px;}.vonk_6a6885e12b4e4 .vonk-icon-box-heading{color:var(--vonk-accent);font-size:18px;font-weight:600;}.vonk_6a6885e12b4e4 .vonk-icon-box-icon{font-size:20px;color:var(--vonk-accent);background:#f6f6f6;border-radius:15px;height:50px;width:50px;}.vonk_6a6885e12b4e4:hover .vonk-icon-box-icon{background:#808080;}.vonk_6a6885e12b4e4 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class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Mortgage Insights<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>All things mortgage: insights, trends, and resources from our team.<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">Read the blog<\/span><\/div><\/div><\/a><style>.vonk_6a6885e12ba2a{background:#ffffff;padding-block:30px;padding-inline:30px;border-radius:12px;}.vonk_6a6885e12ba2a:hover{background:var(--vonk-accent);}.vonk_6a6885e12ba2a .vonk-icon-box-content{font-size:14px;}.vonk_6a6885e12ba2a .vonk-icon-box-heading{color:var(--vonk-accent);font-size:18px;font-weight:600;}.vonk_6a6885e12ba2a .vonk-icon-box-icon{font-size:20px;color:var(--vonk-accent);background:#f6f6f6;border-radius:15px;height:50px;width:50px;}.vonk_6a6885e12ba2a:hover 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32zM0 192c0-17.7 14.3-32 32-32H416c17.7 0 32 14.3 32 32s-14.3 32-32 32H32c-17.7 0-32-14.3-32-32zM448 448c0 17.7-14.3 32-32 32H32c-17.7 0-32-14.3-32-32s14.3-32 32-32H416c17.7 0 32 14.3 32 32z\"\/><\/svg><\/span><\/div><\/div><div class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Loan Programs<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>Familiarize yourself with the loan programs we offer and who they fit.<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">View loan options<\/span><\/div><\/div><\/a><style>.vonk_6a6885e12bf7b{background:#ffffff;padding-block:30px;padding-inline:30px;border-radius:12px;}.vonk_6a6885e12bf7b:hover{background:var(--vonk-accent);}.vonk_6a6885e12bf7b .vonk-icon-box-content{font-size:14px;}.vonk_6a6885e12bf7b 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vonk-text-1\"><span class=\"vonk-flex vonk-icon\" aria-hidden=\"true\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M288 32c0-17.7-14.3-32-32-32s-32 14.3-32 32V274.7l-73.4-73.4c-12.5-12.5-32.8-12.5-45.3 0s-12.5 32.8 0 45.3l128 128c12.5 12.5 32.8 12.5 45.3 0l128-128c12.5-12.5 12.5-32.8 0-45.3s-32.8-12.5-45.3 0L288 274.7V32zM64 352c-35.3 0-64 28.7-64 64v32c0 35.3 28.7 64 64 64H448c35.3 0 64-28.7 64-64V416c0-35.3-28.7-64-64-64H346.5l-45.3 45.3c-25 25-65.5 25-90.5 0L165.5 352H64zm368 56a24 24 0 1 1 0 48 24 24 0 1 1 0-48z\"\/><\/svg><\/span><\/div><\/div><div class=\"vonk-icon-box-text vonk-flex-grow vonk-flex vonk-flex-col\"><div class=\"vonk-icon-box-heading vonk-heading vonk-mb-10\">Start Application<\/div><div class=\"vonk-icon-box-content vonk-last-mb-0 vonk-clr vonk-mb-20\"><p>Begin your secure mortgage application online today &#8211; at your pace.<\/p>\n<\/div><div class=\"vonk-icon-box-button-wrap vonk-mt-auto\"><span class=\"vonk-icon-box-button theme-txt-link\">Apply online<\/span><\/div><\/div><\/a><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:50px;\"><\/div>[\/vc_column][\/vc_row][vc_row full_width=&#8221;stretch_row&#8221; content_placement=&#8221;middle&#8221; el_class=&#8221;hero-section&#8221; css=&#8221;.vc_custom_1782996941896{padding-top: 80px !important;background-position: center !important;background-repeat: no-repeat !important;background-size: cover !important;}&#8221; el_id=&#8221;quote&#8221;][vc_column]<style>.vonk_6a6885e12c45d{color:var(--vonk-accent);font-size:16px;font-weight:600;text-transform:uppercase;line-height:1.3;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk-text-center vonk_6a6885e12c45d\"><span class=\"vonk-heading-inner vonk-inline-block\">- Quick 1-minute loan request<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\" style=\"height:20px;\"><\/div><style>.vonk_6a6885e12c79e{font-size:35px;font-weight:600;}<\/style><div class=\"vonk-heading vonk-heading-plain vonk-text-2xl vonk-text-center vonk_6a6885e12c79e\"><span class=\"vonk-heading-inner vonk-inline-block\">Let's start with where you are<\/span><\/div><div class=\"vonk-spacing vonk-w-100 vonk-clear\"><\/div>[vc_row_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;]<style 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=\"\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/2159\" data-token=\"8f9ea970a6c15dd9297ee512bd58ede3\" data-token-time=\"1785234913\"><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=\"17\" 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 17<\/span><div class=\"wpforms-page-indicator-page-progress-wrap\"><div class=\"wpforms-page-indicator-page-progress\" style=\"width:5.8823529411765%;background-color:#3e7666\"><\/div><\/div><\/div><div class=\"wpforms-field-container\"><div class=\"wpforms-page wpforms-page-1 \" data-page=\"1\">\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\" >is household mortgage?<\/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_8-container\" class=\"wpforms-field wpforms-field-pagebreak\" data-field-type=\"pagebreak\" data-field-id=\"8\"><\/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\">What\u2019s your main goal right now?<\/legend><ul id=\"wpforms-5859-field_11\" 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_11_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=\"M0 24C0 10.7 10.7 0 24 0H69.5c22 0 41.5 12.8 50.6 32h411c26.3 0 45.5 25 38.6 50.4l-41 152.3c-8.5 31.4-37 53.3-69.5 53.3H170.7l5.4 28.5c2.2 11.3 12.1 19.5 23.6 19.5H488c13.3 0 24 10.7 24 24s-10.7 24-24 24H199.7c-34.6 0-64.3-24.6-70.7-58.5L77.4 54.5c-.7-3.8-4-6.5-7.9-6.5H24C10.7 48 0 37.3 0 24zM128 464a48 48 0 1 1 96 0 48 48 0 1 1 -96 0zm336-48a48 48 0 1 1 0 96 48 48 0 1 1 0-96z\"\/><\/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_11_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][11]\" value=\"I want to purchase\" aria-errormessage=\"wpforms-5859-field_11_1-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">I want to purchase<\/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_11_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=\"M32 32c17.7 0 32 14.3 32 32V400c0 8.8 7.2 16 16 16H480c17.7 0 32 14.3 32 32s-14.3 32-32 32H80c-44.2 0-80-35.8-80-80V64C0 46.3 14.3 32 32 32zM160 224c17.7 0 32 14.3 32 32v64c0 17.7-14.3 32-32 32s-32-14.3-32-32V256c0-17.7 14.3-32 32-32zm128-64V320c0 17.7-14.3 32-32 32s-32-14.3-32-32V160c0-17.7 14.3-32 32-32s32 14.3 32 32zm64 32c17.7 0 32 14.3 32 32v96c0 17.7-14.3 32-32 32s-32-14.3-32-32V224c0-17.7 14.3-32 32-32zM480 96V320c0 17.7-14.3 32-32 32s-32-14.3-32-32V96c0-17.7 14.3-32 32-32s32 14.3 32 32z\"\/><\/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_11_3\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][11]\" value=\"I want to refinance\" aria-errormessage=\"wpforms-5859-field_11_3-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">I want to refinance<\/span>\n\t\t\t<\/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\"><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-2  \" data-page=\"2\" 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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-3  \" data-page=\"3\" 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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-4  \" data-page=\"4\" 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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-5  \" data-page=\"5\" style=\"display:none;\"><div id=\"wpforms-5859-field_20-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline\" 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\" 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_20_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 0 512 512\"><!--! 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=\"M313.4 32.9c26 5.2 42.9 30.5 37.7 56.5l-2.3 11.4c-5.3 26.7-15.1 52.1-28.8 75.2H464c26.5 0 48 21.5 48 48c0 18.5-10.5 34.6-25.9 42.6C497 275.4 504 288.9 504 304c0 23.4-16.8 42.9-38.9 47.1c4.4 7.3 6.9 15.8 6.9 24.9c0 21.3-13.9 39.4-33.1 45.6c.7 3.3 1.1 6.8 1.1 10.4c0 26.5-21.5 48-48 48H294.5c-19 0-37.5-5.6-53.3-16.1l-38.5-25.7C176 420.4 160 390.4 160 358.3V320 272 247.1c0-29.2 13.3-56.7 36-75l7.4-5.9c26.5-21.2 44.6-51 51.2-84.2l2.3-11.4c5.2-26 30.5-42.9 56.5-37.7zM32 192H96c17.7 0 32 14.3 32 32V448c0 17.7-14.3 32-32 32H32c-17.7 0-32-14.3-32-32V224c0-17.7 14.3-32 32-32z\"\/><\/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_20_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][20]\" value=\"Yes\" aria-errormessage=\"wpforms-5859-field_20_1-error\" aria-describedby=\"wpforms-5859-field_20-description\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Yes<\/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_20_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 0 512 512\"><!--! 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=\"M313.4 479.1c26-5.2 42.9-30.5 37.7-56.5l-2.3-11.4c-5.3-26.7-15.1-52.1-28.8-75.2H464c26.5 0 48-21.5 48-48c0-18.5-10.5-34.6-25.9-42.6C497 236.6 504 223.1 504 208c0-23.4-16.8-42.9-38.9-47.1c4.4-7.3 6.9-15.8 6.9-24.9c0-21.3-13.9-39.4-33.1-45.6c.7-3.3 1.1-6.8 1.1-10.4c0-26.5-21.5-48-48-48H294.5c-19 0-37.5 5.6-53.3 16.1L202.7 73.8C176 91.6 160 121.6 160 153.7V192v48 24.9c0 29.2 13.3 56.7 36 75l7.4 5.9c26.5 21.2 44.6 51 51.2 84.2l2.3 11.4c5.2 26 30.5 42.9 56.5 37.7zM32 384H96c17.7 0 32-14.3 32-32V128c0-17.7-14.3-32-32-32H32C14.3 96 0 110.3 0 128V352c0 17.7 14.3 32 32 32z\"\/><\/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_20_2\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][20]\" value=\"No\" aria-errormessage=\"wpforms-5859-field_20_2-error\" aria-describedby=\"wpforms-5859-field_20-description\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">No<\/span>\n\t\t\t<\/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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-6  \" data-page=\"6\" style=\"display:none;\"><div id=\"wpforms-5859-field_26-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline 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\" 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_26_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 0 512 512\"><!--! 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=\"M313.4 32.9c26 5.2 42.9 30.5 37.7 56.5l-2.3 11.4c-5.3 26.7-15.1 52.1-28.8 75.2H464c26.5 0 48 21.5 48 48c0 18.5-10.5 34.6-25.9 42.6C497 275.4 504 288.9 504 304c0 23.4-16.8 42.9-38.9 47.1c4.4 7.3 6.9 15.8 6.9 24.9c0 21.3-13.9 39.4-33.1 45.6c.7 3.3 1.1 6.8 1.1 10.4c0 26.5-21.5 48-48 48H294.5c-19 0-37.5-5.6-53.3-16.1l-38.5-25.7C176 420.4 160 390.4 160 358.3V320 272 247.1c0-29.2 13.3-56.7 36-75l7.4-5.9c26.5-21.2 44.6-51 51.2-84.2l2.3-11.4c5.2-26 30.5-42.9 56.5-37.7zM32 192H96c17.7 0 32 14.3 32 32V448c0 17.7-14.3 32-32 32H32c-17.7 0-32-14.3-32-32V224c0-17.7 14.3-32 32-32z\"\/><\/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_26_1\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][26]\" value=\"Yes\" aria-errormessage=\"wpforms-5859-field_26_1-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Yes<\/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_26_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 0 512 512\"><!--! 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=\"M313.4 479.1c26-5.2 42.9-30.5 37.7-56.5l-2.3-11.4c-5.3-26.7-15.1-52.1-28.8-75.2H464c26.5 0 48-21.5 48-48c0-18.5-10.5-34.6-25.9-42.6C497 236.6 504 223.1 504 208c0-23.4-16.8-42.9-38.9-47.1c4.4-7.3 6.9-15.8 6.9-24.9c0-21.3-13.9-39.4-33.1-45.6c.7-3.3 1.1-6.8 1.1-10.4c0-26.5-21.5-48-48-48H294.5c-19 0-37.5 5.6-53.3 16.1L202.7 73.8C176 91.6 160 121.6 160 153.7V192v48 24.9c0 29.2 13.3 56.7 36 75l7.4 5.9c26.5 21.2 44.6 51 51.2 84.2l2.3 11.4c5.2 26 30.5 42.9 56.5 37.7zM32 384H96c17.7 0 32-14.3 32-32V128c0-17.7-14.3-32-32-32H32C14.3 96 0 110.3 0 128V352c0 17.7 14.3 32 32 32z\"\/><\/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_26_2\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][26]\" value=\"No\" aria-errormessage=\"wpforms-5859-field_26_2-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">No<\/span>\n\t\t\t<\/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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-7  \" data-page=\"7\" 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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-8  \" data-page=\"8\" 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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-9  \" data-page=\"9\" 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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-10  \" data-page=\"10\" style=\"display:none;\"><div id=\"wpforms-5859-field_38-container\" class=\"wpforms-field wpforms-field-radio wpforms-list-inline 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\" class=\"wpforms-icon-choices wpforms-icon-choices-default wpforms-icon-choices-large\" style=\"--wpforms-icon-choices-color: #066aab;\"><li class=\"choice-2 depth-1 wpforms-icon-choices-item\"><label class=\"wpforms-field-label-inline\" for=\"wpforms-5859-field_38_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 0 512 512\"><!--! 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=\"M313.4 32.9c26 5.2 42.9 30.5 37.7 56.5l-2.3 11.4c-5.3 26.7-15.1 52.1-28.8 75.2H464c26.5 0 48 21.5 48 48c0 18.5-10.5 34.6-25.9 42.6C497 275.4 504 288.9 504 304c0 23.4-16.8 42.9-38.9 47.1c4.4 7.3 6.9 15.8 6.9 24.9c0 21.3-13.9 39.4-33.1 45.6c.7 3.3 1.1 6.8 1.1 10.4c0 26.5-21.5 48-48 48H294.5c-19 0-37.5-5.6-53.3-16.1l-38.5-25.7C176 420.4 160 390.4 160 358.3V320 272 247.1c0-29.2 13.3-56.7 36-75l7.4-5.9c26.5-21.2 44.6-51 51.2-84.2l2.3-11.4c5.2-26 30.5-42.9 56.5-37.7zM32 192H96c17.7 0 32 14.3 32 32V448c0 17.7-14.3 32-32 32H32c-17.7 0-32-14.3-32-32V224c0-17.7 14.3-32 32-32z\"\/><\/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_38_2\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][38]\" value=\"Yes\" aria-errormessage=\"wpforms-5859-field_38_2-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">Yes<\/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_38_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=\"M313.4 479.1c26-5.2 42.9-30.5 37.7-56.5l-2.3-11.4c-5.3-26.7-15.1-52.1-28.8-75.2H464c26.5 0 48-21.5 48-48c0-18.5-10.5-34.6-25.9-42.6C497 236.6 504 223.1 504 208c0-23.4-16.8-42.9-38.9-47.1c4.4-7.3 6.9-15.8 6.9-24.9c0-21.3-13.9-39.4-33.1-45.6c.7-3.3 1.1-6.8 1.1-10.4c0-26.5-21.5-48-48-48H294.5c-19 0-37.5 5.6-53.3 16.1L202.7 73.8C176 91.6 160 121.6 160 153.7V192v48 24.9c0 29.2 13.3 56.7 36 75l7.4 5.9c26.5 21.2 44.6 51 51.2 84.2l2.3 11.4c5.2 26 30.5 42.9 56.5 37.7zM32 384H96c17.7 0 32-14.3 32-32V128c0-17.7-14.3-32-32-32H32C14.3 96 0 110.3 0 128V352c0 17.7 14.3 32 32 32z\"\/><\/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_38_3\" class=\"wpforms-screen-reader-element\" name=\"wpforms[fields][38]\" value=\"No\" aria-errormessage=\"wpforms-5859-field_38_3-error\"  >\n\t\t\t\t<span class=\"wpforms-icon-choices-label\">No<\/span>\n\t\t\t<\/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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-11  \" data-page=\"11\" 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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-12  \" data-page=\"12\" 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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-13  \" data-page=\"13\" 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><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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-14  \" data-page=\"14\" 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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-15  \" data-page=\"15\" style=\"display:none;\"><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\">Where is the home located? <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\" aria-describedby=\"wpforms-5859-field_1-description\" required><div id=\"wpforms-5859-field_1-description\" class=\"wpforms-field-description\">City or Zip Code<\/div><\/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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-16  \" data-page=\"16\" 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\"><span class=\"wpforms-page-button-group\"><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><\/span><span class=\"wpforms-page-button-group\"><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><img src=\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-content\/plugins\/wpforms\/assets\/images\/submit-spin.svg\" class=\"wpforms-page-button-spinner\" style=\"display: none;\" width=\"26\" height=\"26\" alt=\"Loading\" title=\"\"><\/span><\/div><\/div><\/div><div class=\"wpforms-page wpforms-page-17 last \" data-page=\"17\" 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\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/2159\"><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\/~michaelgallaghe\/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_inner][vc_column_inner width=&#8221;1\/4&#8243;][\/vc_column_inner][\/vc_row_inner][\/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_1782997193776{padding-top: 80px !important;padding-bottom: 60px !important;background-color: #FBFAF7 !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; vonk_bg_color=&#8221;#ffffff&#8221;]<section class=\"vls-faqs\"><h3>Frequently Asked Questions<\/h3><div class=\"vls-faq-item\"><h4>What is a USDA Home Loan?<\/h4><p>A USDA home loan is a mortgage program backed by the U.S. Department of Agriculture designed to help eligible borrowers purchase homes in designated rural and suburban areas with little or no down payment.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>Who qualifies for a USDA loan?<\/h4><p>Eligibility is based on factors such as income, credit history, and the property\u2019s location. Borrowers must meet specific income limits, and the home must be in an eligible USDA-designated area.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>Do USDA loans require a down payment?<\/h4><p>One of the biggest benefits of a USDA loan is that it may offer 100% financing, meaning no down payment is required for qualified buyers.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>Can a USDA loan be used to refinance?<\/h4><p>Yes. The USDA offers refinance options, including streamlined programs that may help eligible homeowners lower their monthly payment or interest rate with less paperwork.<\/p>\n<\/div><div class=\"vls-faq-item\"><h4>Are there mortgage insurance requirements with a USDA loan?<\/h4><p>Yes. USDA loans include a one-time upfront guarantee fee and an annual fee, which functions similarly to mortgage insurance and helps keep the program self-funded.<\/p>\n<\/div><\/section>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"vonk-shortcode vonk-clr\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"FinancialProduct\",\"@id\":\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/#loan-usda-loan\",\"name\":\"USDA Loan\",\"description\":\"Mortgage program information for this page.\",\"category\":\"MortgageLoan\",\"provider\":{\"@type\":\"Organization\",\"name\":\"Mortgage Broker in Granite Bay, California | Michael Gallagher Mortgage\",\"url\":\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/\"},\"termsOfService\":\"\/terms-of-use\/\"},{\"@type\":\"FAQPage\",\"@id\":\"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/#faq-loan-program\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"What is a USDA Home Loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"A USDA home loan is a mortgage program backed by the U.S. Department of Agriculture designed to help eligible borrowers purchase homes in designated rural and suburban areas with little or no down payment.\"}},{\"@type\":\"Question\",\"name\":\"Who qualifies for a USDA loan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Eligibility is based on factors such as income, credit history, and the property\u2019s location. 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USDA loans include a one-time upfront guarantee fee and an annual fee, which functions similarly to mortgage insurance and helps keep the program self-funded.\"}}]}]}<\/script><\/div>[\/vc_column][\/vc_row][\/vc_section]<\/p>\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_1782998910594{padding-top: 75px !important;background-color: #FBFAF7 !important;}&#8221;][vc_column width=&#8221;1\/2&#8243;][vc_column_text font_weight=&#8221;500&#8243; el_class=&#8221;wpex-antialiased&#8221;]Buying a home with little or no down payment can provide opportunities for buyers that otherwise may not be able to become homeowners.[\/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_1756141622872{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;]USDA Loans offer flexible options as either Fixed Rate or Adjustable Rate&hellip;<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":22,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_mbp_gutenberg_autopost":false,"footnotes":""},"class_list":["post-2159","page","type-page","status-publish","hentry","entry","no-media"],"_links":{"self":[{"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/2159","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/comments?post=2159"}],"version-history":[{"count":10,"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/2159\/revisions"}],"predecessor-version":[{"id":7611,"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/2159\/revisions\/7611"}],"up":[{"embeddable":true,"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/pages\/22"}],"wp:attachment":[{"href":"https:\/\/mega5.vonkdigital.com\/~michaelgallaghe\/wp-json\/wp\/v2\/media?parent=2159"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}