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1a:["$","section",null,{"className":"relative overflow-hidden","children":["$","div",null,{"className":"grid lg:grid-cols-2","children":[["$","div",null,{"className":"relative min-h-[400px] lg:min-h-[700px]","children":[["$","$L13",null,{"src":"/images/military-family-home.jpg","alt":"Military service member with family at home","fill":true,"className":"object-cover"}],["$","div",null,{"className":"absolute inset-0 bg-gradient-to-r from-black/20 to-transparent lg:bg-gradient-to-r lg:from-transparent lg:to-primary-dark/30"}]]}],["$","div",null,{"className":"bg-gradient-to-br from-primary-dark to-primary-deeper px-8 py-16 sm:px-12 lg:flex lg:flex-col lg:justify-center lg:px-16 lg:py-20","children":[["$","h2",null,{"className":"text-3xl font-bold text-white sm:text-4xl","children":"How to Apply for a VA Loan"}],["$","p",null,{"className":"mt-4 text-white/70","children":"Five straightforward steps to your new home."}],["$","div",null,{"className":"mt-10 space-y-6","children":[["$","div","1",{"className":"flex gap-4","children":[["$","div",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-white/15 text-sm font-bold text-white ring-1 ring-white/30","children":"1"}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-white","children":"Obtain Your Certificate of Eligibility"}],["$","p",null,{"className":"mt-1 text-sm text-white/70","children":"Request your COE through the VA's eBenefits portal, by mail, or let Joshua obtain it on your behalf through the automated system."}]]}]]}],["$","div","2",{"className":"flex gap-4","children":[["$","div",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-white/15 text-sm font-bold text-white ring-1 ring-white/30","children":"2"}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-white","children":"Get Pre-Approved"}],["$","p",null,{"className":"mt-1 text-sm text-white/70","children":"Submit your financial documents and COE. Joshua will provide a pre-approval letter so you can shop with confidence."}]]}]]}],["$","div","3",{"className":"flex gap-4","children":[["$","div",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-white/15 text-sm font-bold text-white ring-1 ring-white/30","children":"3"}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-white","children":"Find Your Home"}],["$","p",null,{"className":"mt-1 text-sm text-white/70","children":"Work with a VA-experienced agent. The home must be your primary residence and meet VA Minimum Property Requirements."}]]}]]}],["$","div","4",{"className":"flex gap-4","children":[["$","div",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-white/15 text-sm font-bold text-white ring-1 ring-white/30","children":"4"}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-white","children":"Complete the VA Appraisal"}],["$","p",null,{"className":"mt-1 text-sm text-white/70","children":"An independent appraisal ensures the home meets standards and the price reflects fair market value."}]]}]]}],["$","div","5",{"className":"flex gap-4","children":[["$","div",null,{"className":"flex h-10 w-10 shrink-0 items-center justify-center rounded-full bg-white/15 text-sm font-bold text-white ring-1 ring-white/30","children":"5"}],["$","div",null,{"children":[["$","h3",null,{"className":"text-lg font-semibold text-white","children":"Close on Your Home"}],["$","p",null,{"className":"mt-1 text-sm text-white/70","children":"Sign closing documents, pay any applicable funding fee and closing costs, and receive the keys to your new home."}]]}]]}]]}],["$","div",null,{"className":"mt-10 flex flex-col gap-4 sm:flex-row","children":[["$","a",null,{"href":"https://www.afnbp.com/web/borrower-portal/application?p_p_id=com_afncorp_bp_web_portlet_ApplicationPortlet&p_p_lifecycle=0&p_p_state=normal&p_p_mode=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_action=view&_com_afncorp_bp_web_portlet_ApplicationPortlet_loId=A9YI&_com_afncorp_bp_web_portlet_ApplicationPortlet_loanPurpose=purchase","target":"_blank","rel":"noopener noreferrer","className":"rounded-full bg-gold px-8 py-3.5 text-center text-base font-semibold text-text-dark shadow-lg transition-colors hover:bg-gold-light","children":"Start Your VA Loan Application"}],"$L24"]}]]}]]}]}]
1b:["$","section",null,{"className":"bg-white py-16 sm:py-20","children":["$","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":[["$","div","What is the VA funding fee?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"What is the VA funding fee?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"The VA funding fee is a one-time fee that helps fund the VA loan program. It typically ranges from 1.25% to 3.3% of the loan amount, depending on your down payment, service history, and whether it is your first VA loan. The fee can be rolled into the loan. Some veterans with service-connected disabilities are exempt."}]]}],["$","div","Can I use a VA loan more than once?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I use a VA loan more than once?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Yes. Your VA loan entitlement is reusable. Once you sell the home and pay off the VA loan, your full entitlement is restored. In some cases, you may even be able to have two VA loans simultaneously if you have remaining entitlement."}]]}],["$","div","Is there a maximum loan amount for VA loans?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Is there a maximum loan amount for VA loans?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"For borrowers with full entitlement, there is no VA loan limit as of 2020. Lenders may have their own limits based on your income and creditworthiness. Borrowers with reduced entitlement may still be subject to conforming loan limits in their county."}]]}],["$","div","Can I use a VA loan to buy a condo or multi-unit property?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"Can I use a VA loan to buy a condo or multi-unit property?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"Yes. VA loans can be used for single-family homes, VA-approved condominiums, and multi-unit properties up to four units, as long as you occupy one of the units as your primary residence."}]]}],["$","div","How long does the VA loan process take?",{"children":[["$","h3",null,{"className":"text-lg font-semibold text-primary-dark","children":"How long does the VA loan process take?"}],["$","p",null,{"className":"mt-2 text-gray-medium","children":"The VA loan process typically takes 30 to 45 days from application to closing, similar to conventional loans. The VA appraisal process may add a few days compared to conventional appraisals, but working with an experienced VA lender like Joshua helps keep things on track."}]]}]]}]]}]}]
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