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0:{"buildId":"Q6O0z0sMWODTzJ-zENbte","rsc":["$","$1","c",{"children":[[["$","section",null,{"className":"bg-gradient-to-br from-primary-dark via-primary to-primary-dark py-20 sm:py-28","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 text-center sm:px-6 lg:px-8","children":[["$","h1",null,{"className":"text-4xl font-bold tracking-tight text-white sm:text-5xl lg:text-6xl","children":"Refinance Your Mortgage"}],["$","p",null,{"className":"mx-auto mt-6 max-w-2xl text-lg text-white/80 sm:text-xl","children":"Take advantage of better rates, lower your monthly payment, or access your home's equity. Refinancing could save you thousands over the life of your loan."}],["$","div",null,{"className":"mt-8 flex flex-col items-center justify-center gap-4 sm:flex-row","children":[["$","a",null,{"href":"https://www.afnbp.com/web/borrower-portal/application?p_p_id=com_afncorp_bp_web_portlet_ApplicationPortlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_action=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_loId=A9YI&_com_afncorp_bp_web_portlet_ApplicationPortlet_loanPurpose=refinance","target":"_blank","rel":"noopener noreferrer","className":"rounded-full bg-gold px-8 py-3.5 text-base font-semibold text-text-dark shadow-lg transition-colors hover:bg-gold-light","children":"Apply Now"}],["$","$L2",null,{"className":"rounded-full border-2 border-white px-8 py-3.5 text-base font-semibold text-white transition-colors hover:bg-white hover:text-primary","children":"Book a Consultation"}]]}]]}]}],["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":[["$","div",null,{"className":"grid gap-12 lg:grid-cols-2 items-center mb-12","children":[["$","div",null,{"children":[["$","h2",null,{"className":"text-3xl font-bold text-primary-dark sm:text-4xl","children":"Why Refinance Your Mortgage?"}],["$","p",null,{"className":"mt-4 text-gray-medium","children":"Refinancing replaces your existing mortgage with a new loan, often with better terms. Here are the most common reasons homeowners choose to refinance."}]]}],["$","div",null,{"className":"relative","children":["$","$L3",null,{"src":"/images/bright-modern-living-room.jpg","alt":"Bright modern living room in a refinanced home","width":800,"height":600,"className":"rounded-2xl shadow-lg object-cover w-full"}]}]]}],["$","div",null,{"className":"mt-12 grid gap-8 sm:grid-cols-2 lg:grid-cols-3","children":[["$","div","Lower Your Interest Rate",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Lower Your Interest Rate"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Even a small reduction in your interest rate can save you tens of thousands of dollars over the life of your loan and significantly reduce your monthly payment."}]]}],["$","div","Reduce Monthly Payments",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Reduce Monthly Payments"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Extending your loan term or securing a lower rate can free up cash flow each month for other financial priorities."}]]}],["$","div","Shorten Your Loan Term",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":["$L4","$L5"]}],"$L6","$L7","$L8"]}]]}]}],"$L9","$La","$Lb","$Lc","$Ld"],["$Le"],"$Lf"]}],"loading":null,"isPartial":false}
4:["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Shorten Your Loan Term"}]
5:["$","p",null,{"className":"mt-3 text-gray-medium","children":"Switch from a 30-year to a 15-year mortgage to build equity faster and pay less interest overall, often without a dramatic increase in monthly payments."}]
6:["$","div","Access Home Equity",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Access Home Equity"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"A cash-out refinance lets you tap into the equity you have built to fund home improvements, consolidate debt, or cover major expenses."}]]}]
7:["$","div","Eliminate Mortgage Insurance",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Eliminate Mortgage Insurance"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"If your home has appreciated or you have paid down enough principal, refinancing can remove PMI and save you hundreds per month."}]]}]
8:["$","div","Switch Loan Types",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Switch Loan Types"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Move from an adjustable-rate mortgage (ARM) to a fixed-rate loan for predictable payments, or from FHA to conventional to eliminate MIP."}]]}]
9:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"Types of Refinance Loans"}],["$","div",null,{"className":"mt-12 grid gap-8 lg:grid-cols-3","children":[["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Rate & Term Refinance"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"The most common type of refinance. You replace your current mortgage with a new loan that has a better interest rate, a different term, or both. No cash is taken out at closing."}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-gray-medium","children":[["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-gold"}],"Lower your interest rate"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-gold"}],"Change your loan term (e.g., 30-year to 15-year)"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-gold"}],"Switch from ARM to fixed rate"]}]]}]]}],["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Cash-Out Refinance"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Borrow more than your current mortgage balance and receive the difference as cash at closing. Ideal for homeowners who have built significant equity and want to fund renovations, consolidate debt, or invest."}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-gray-medium","children":[["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-gold"}],"Typically requires at least 20% equity remaining"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-gold"}],"Funds can be used for any purpose"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-gold"}],"May have slightly higher rates than rate-and-term"]}]]}]]}],["$","div",null,{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-xl font-bold text-primary","children":"Streamline Refinance"}],["$","p",null,{"className":"mt-3 text-gray-medium","children":"Available for FHA, VA, and USDA loans, streamline refinancing offers a simplified process with reduced documentation requirements. Designed to lower your rate or payment with minimal hassle."}],["$","ul",null,{"className":"mt-4 space-y-2 text-sm text-gray-medium","children":[["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-gold"}],"Limited or no appraisal required"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-gold"}],"Reduced paperwork and faster closing"]}],["$","li",null,{"className":"flex items-start gap-2","children":[["$","span",null,{"className":"mt-1.5 h-1.5 w-1.5 shrink-0 rounded-full bg-gold"}],"Must demonstrate a net tangible benefit"]}]]}]]}]]}]]}]}]
a:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":["$","div",null,{"className":"mx-auto max-w-3xl","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"When Is the Right Time to Refinance?"}],["$","p",null,{"className":"mt-4 text-center text-gray-medium","children":"Timing matters when it comes to refinancing. Consider these scenarios to determine whether now is the right time for you."}],["$","div",null,{"className":"mt-10 space-y-6","children":[["$","div","Interest rates have dropped",{"className":"rounded-lg border-l-4 border-primary bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-primary-dark","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Interest rates have dropped"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"If current mortgage rates are significantly lower than your existing rate, refinancing could save you substantial money over the life of your loan. A general rule of thumb is that a rate reduction of 0.5% to 1% or more makes refinancing worthwhile."}]]}],["$","div","Your credit score has improved",{"className":"rounded-lg border-l-4 border-primary bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-primary-dark","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Your credit score has improved"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"If your credit score has increased since you originally took out your mortgage, you may now qualify for better rates and terms than what you currently have."}]]}],["$","div","You want to eliminate PMI",{"className":"rounded-lg border-l-4 border-primary bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-primary-dark","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"You want to eliminate PMI"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"If your home has appreciated in value or you have paid down your principal, you may have enough equity to refinance into a conventional loan without mortgage insurance."}]]}],["$","div","You need to access cash",{"className":"rounded-lg border-l-4 border-primary bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-primary-dark","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"You need to access cash"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"A cash-out refinance can be a cost-effective way to access your home equity compared to personal loans or credit cards, especially for large expenses like home renovations."}]]}],["$","div","Your ARM is about to adjust",{"className":"rounded-lg border-l-4 border-primary bg-white p-6 shadow-sm transition-all duration-300 hover:shadow-lg hover:border-primary-dark","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Your ARM is about to adjust"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"If your adjustable-rate mortgage is approaching its adjustment period and you want payment stability, refinancing into a fixed-rate mortgage protects you from future rate increases."}]]}]]}]]}]}]}]
b:["$","section",null,{"className":"bg-off-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-7xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"Refinance Qualification Requirements"}],["$","div",null,{"className":"mx-auto mt-12 grid max-w-4xl gap-8 md:grid-cols-2","children":[["$","div","Credit Score",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary","children":"Credit Score"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Most refinance programs require a minimum credit score of 620 for conventional loans. FHA streamline refinances may have lower requirements."}]]}],["$","div","Home Equity",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary","children":"Home Equity"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"You typically need at least 20% equity for a conventional refinance, though some programs allow lower equity with mortgage insurance."}]]}],["$","div","Debt-to-Income Ratio",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary","children":"Debt-to-Income Ratio"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Lenders generally want your DTI to be 43% or lower, including the new mortgage payment."}]]}],["$","div","Seasoning Period",{"className":"group rounded-xl border border-gray-200 bg-white p-8 shadow-sm transition-all duration-300 hover:shadow-xl hover:-translate-y-1 hover:border-primary","children":[["$","h3",null,{"className":"text-lg font-semibold text-primary","children":"Seasoning Period"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Most lenders require you to have held your current mortgage for at least 6 to 12 months before refinancing."}]]}]]}],["$","div",null,{"className":"mt-10 text-center","children":["$","a",null,{"href":"https://www.afnbp.com/web/borrower-portal/application?p_p_id=com_afncorp_bp_web_portlet_ApplicationPortlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_action=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_loId=A9YI&_com_afncorp_bp_web_portlet_ApplicationPortlet_loanPurpose=refinance","target":"_blank","rel":"noopener noreferrer","className":"inline-block rounded-full bg-gold px-8 py-3.5 text-base font-semibold text-text-dark shadow-lg transition-colors hover:bg-gold-light","children":"Check Your Refinance Options"}]}]]}]}]
c:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","div",null,{"className":"mx-auto max-w-3xl px-4 sm:px-6 lg:px-8","children":[["$","h2",null,{"className":"text-center text-3xl font-bold text-primary-dark sm:text-4xl","children":"Frequently Asked Questions"}],["$","div",null,{"className":"mt-12 space-y-8","children":[["$","div","How much does it cost to refinance?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"How much does it cost to refinance?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Refinance closing costs typically range from 2% to 5% of the loan amount and may include appraisal fees, title insurance, origination fees, and other charges. In many cases, these costs can be rolled into the new loan so you do not have to pay them out of pocket."}]]}],["$","div","How long does the refinance process take?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"How long does the refinance process take?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"A typical refinance takes 30 to 45 days from application to closing. Streamline refinances may close faster due to reduced documentation requirements. Your timeline will depend on the complexity of your situation and how quickly you provide required documents."}]]}],["$","div","Will refinancing hurt my credit score?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Will refinancing hurt my credit score?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"The lender will perform a hard credit inquiry when you apply, which may temporarily lower your score by a few points. However, the long-term benefits of a lower rate or better loan terms typically outweigh this minor short-term impact."}]]}],["$","div","Can I refinance if I am underwater on my mortgage?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I refinance if I am underwater on my mortgage?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"It can be more challenging, but there are options. Some government programs are designed for homeowners who owe more than their home is worth. Contact Joshua to discuss your specific situation and explore available solutions."}]]}],["$","div","Should I refinance from a 30-year to a 15-year mortgage?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Should I refinance from a 30-year to a 15-year mortgage?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"A 15-year mortgage comes with higher monthly payments but significantly less interest paid over the life of the loan. It is a great option if you can comfortably afford the higher payment and want to build equity faster and be mortgage-free sooner."}]]}]]}]]}]}]
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