{"id":17064,"date":"2022-11-28T08:19:29","date_gmt":"2022-11-28T16:19:29","guid":{"rendered":"https:\/\/westcapitallending.com\/?p=17064"},"modified":"2022-11-28T08:32:31","modified_gmt":"2022-11-28T16:32:31","slug":"a-complete-guide-to-different-home-loan-programs","status":"publish","type":"post","link":"https:\/\/westcapitallending.com\/blog\/a-complete-guide-to-different-home-loan-programs\/","title":{"rendered":"A Complete Guide To Different Home Loan Programs"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Every prospective home buyer needs to research the types of mortgages to find the best loan for their needs. Applying for a home loan can be complicated, and deciding which type of mortgage could be best for you ahead of time will help you focus on the correct type of home.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you buy a house, there are numerous loans to choose from. Your rate, terms, and the lender will differ depending on your mortgage. Selecting the appropriate mortgage for your needs may lower your down payment and reduce overall interest payments throughout the loan term. Understanding the different types of home loans available and how they can help you achieve your goals is essential. There are many home loans, each with distinct features. This article will explore some of the most common ones.<\/span><\/p>\n<h2><b>Requirements To Get a Mortgage<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Many types of mortgages are available to homebuyers but the best mortgage for you will depend on several factors. Some of these include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Estimated Down Payment:<\/b><span style=\"font-weight: 400;\"> The size of your down payment can determine the interest rate lenders will offer you.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Monthly Mortgage Payment:<\/b><span style=\"font-weight: 400;\"> A mortgage lender will review your income and assets to determine your entire loan obligation. Consider the principal amount, interest, and taxes in addition to mortgage insurance, housing costs, and any homeowner&#8217;s fees when determining your monthly mortgage payment budget.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Credit Score:<\/b><span style=\"font-weight: 400;\"> The interest rate you get on your loan is based mainly on your <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/c\/credit_score.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">credit score<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<p><b>Read More: <\/b><a href=\"https:\/\/westcapitallending.com\/what-type-of-mortgage-program-is-best-for-you\/\" target=\"_blank\" rel=\"noopener\"><b>What Type Of Mortgage Program Is Best For You?<\/b><\/a><\/p>\n<h2><b>Types of Home Loans<\/b><\/h2>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-17066 size-full\" src=\"https:\/\/westcapitallending.com\/wp-content\/uploads\/2022\/11\/Image-02-1.jpg\" alt=\"Types of Home A Complete Guide To Different Home Loan Programs\" width=\"800\" height=\"637\" srcset=\"https:\/\/westcapitallending.com\/blog\/wp-content\/uploads\/2022\/11\/Image-02-1.jpg 800w, https:\/\/westcapitallending.com\/blog\/wp-content\/uploads\/2022\/11\/Image-02-1-300x239.jpg 300w, https:\/\/westcapitallending.com\/blog\/wp-content\/uploads\/2022\/11\/Image-02-1-768x612.jpg 768w, https:\/\/westcapitallending.com\/blog\/wp-content\/uploads\/2022\/11\/Image-02-1-770x613.jpg 770w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Conforming and non-conforming loans are the two categories of mortgages. Conformity versus non-conformity is decided by whether or not your lender keeps the loan, collects payments and interest on it, or sells it to one of two real estate investment firms \u2014 Fannie Mae or Freddie Mac.<\/span><\/p>\n<h3><b>Conforming Loans<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A conforming loan refers to a conventional mortgage that <\/span><a href=\"https:\/\/www.investopedia.com\/articles\/economics\/08\/fannie-mae-freddie-mac-credit-crisis.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Fannie Mae and Freddie Mac<\/span><\/a><span style=\"font-weight: 400;\"> can buy. For one of these organizations to purchase the mortgage from your lender, it must adhere to essential criteria established by the <\/span><a href=\"https:\/\/www.fhfa.gov\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Federal Housing Finance Agency (FHFA)<\/span><\/a><span style=\"font-weight: 400;\">. The following are some of the requirements for this kind of loan:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Below The Maximum Dollar Limit:<\/b><span style=\"font-weight: 400;\"> In most parts of the United States, the maximum amount allowed is <\/span><b>$647,200<\/b><span style=\"font-weight: 400;\"> in <\/span><b>2022<\/b><span style=\"font-weight: 400;\">. In Alaska, Hawaii, and certain high-cost areas, the limit is <\/span><b>$970,800<\/b><span style=\"font-weight: 400;\">. Higher limitations apply if you acquire a multifamily unit. Your lender can&#8217;t sell your loan to Fannie or Freddie unless you qualify for a super conforming loan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Not A Federally Backed Loan:<\/b><span style=\"font-weight: 400;\"> The loan can&#8217;t already have received government backing, such as the <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/f\/federal-housing-administration.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Federal Housing Administration (FHA)<\/span><\/a><span style=\"font-weight: 400;\"> or the Department of Veterans Affairs. Several government organizations provide mortgage insurance. Fannie Mae and Freddie Mac may not purchase your mortgage if you have a federal-backed loan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Meets Lender-Specific Criteria: <\/b><span style=\"font-weight: 400;\">Your loan must adhere to the lending party&#8217;s criteria to qualify for a conforming mortgage. For instance, you must maintain a credit score of no lower than<\/span><b> 620<\/b><span style=\"font-weight: 400;\">. Besides that, when applying for a conforming loan, other property guidelines and income limits may come into play. A home loan expert can guide you through this process and help determine if you qualify based on your financial standing.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Conforming loans have strict criteria, but the requirements for borrowing are more consistent. Conforming loans are less risky because the lender can sell them to Fannie or Freddie. As a result, you might get a lower interest rate if you take out a conforming loan.<\/span><\/p>\n<h3><b>Non-Conforming Loans<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Non-conforming loans have more relaxed guidelines than conforming loans. With a non-conforming loan, you may be able to borrow with a lower credit score, get approval for a larger loan, or avoid the need for a down payment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A non-conforming loan does not follow the traditional criteria for loans. If you have a blemish on your credit report, such as a bankruptcy, you might be able to get a non-conforming loan. The government or jumbo mortgages will back most non-conforming loans.<\/span><\/p>\n<h2><b>Understanding Different Types of Mortgages<\/b><\/h2>\n<p><span style=\"font-weight: 400;\"><img decoding=\"async\" loading=\"lazy\" class=\"alignnone wp-image-17067 size-full\" src=\"https:\/\/westcapitallending.com\/wp-content\/uploads\/2022\/11\/Image-03-1.jpg\" alt=\"Understanding Different Types of Mortgages\" width=\"800\" height=\"600\" srcset=\"https:\/\/westcapitallending.com\/blog\/wp-content\/uploads\/2022\/11\/Image-03-1.jpg 800w, https:\/\/westcapitallending.com\/blog\/wp-content\/uploads\/2022\/11\/Image-03-1-300x225.jpg 300w, https:\/\/westcapitallending.com\/blog\/wp-content\/uploads\/2022\/11\/Image-03-1-768x576.jpg 768w, https:\/\/westcapitallending.com\/blog\/wp-content\/uploads\/2022\/11\/Image-03-1-770x578.jpg 770w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">There are various pros and cons regarding the different types of home loans. Whether you&#8217;re a first-time home buyer, downsizing, or refinancing, think about the kind of applicant you are before selecting a mortgage type.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When comparing various loan alternatives, you should also consider how much you&#8217;ll need to borrow. If you&#8217;re unsure, use a mortgage calculator to determine that amount.<\/span><\/p>\n<h3><b>Conventional Mortgages<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The most common type of mortgage is the conventional mortgage, which has stricter regulations on your credit score and <\/span><a href=\"https:\/\/www.investopedia.com\/terms\/d\/dti.asp\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">debt-to-income (DTI) ratio<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">You can acquire a house with as little as <\/span><b>3%<\/b><span style=\"font-weight: 400;\"> down in the case of a standard mortgage. To qualify for a conventional loan, you&#8217;ll need a credit score of at least <\/span><b>620<\/b><span style=\"font-weight: 400;\">. If you have a down payment of at least <\/span><b>20%<\/b><span style=\"font-weight: 400;\">, you may opt-out of purchasing <\/span><a href=\"https:\/\/www.investopedia.com\/mortgage\/mortgage-guide\/mortgage-insurance\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">private mortgage insurance (PMI)<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">However, you&#8217;ll have to pay PMI if the down payment is less than <\/span><b>20%<\/b><span style=\"font-weight: 400;\">. Mortgage insurance premiums are usually cheaper for conventional loans than other financings (such as FHA).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is the right choice for most borrowers if you&#8217;re looking for a conventional loan with lower interest rates and larger down payments. If you can&#8217;t provide at least <\/span><b>3% <\/b><span style=\"font-weight: 400;\">down but are eligible, consider applying for a USDA or VA loan.<\/span><\/p>\n<h4><b>Pros of Conventional Mortgages<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The cost of borrowing after fees and interest is often lower than with an unorthodox loan.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">For qualifying loans, your down payment could be as low as <\/span><b>3%<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<\/ul>\n<h4><b>Cons of Conventional Mortgages<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Pay PMI if your down payment is under <\/span><b>20%<\/b><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Stricter qualifications demand a credit score of at least <\/span><b>620<\/b><span style=\"font-weight: 400;\"> and a low DTI.<\/span><\/li>\n<\/ul>\n<p><b>Home Buyers Who Might Benefit<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Borrowers with a solid income and good credit put down at least <\/span><b>3%<\/b><span style=\"font-weight: 400;\"> of the purchase price.<\/span><\/li>\n<\/ul>\n<h3><b>Fixed-Rate Mortgages<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Fixed-rate mortgages have the same interest rate and principal payment for the life of the loan. The amount you pay each month may fluctuate based on property tax and insurance rates, but generally, fixed-rate loans provide a relatively stable monthly cost.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Choose a fixed-rate mortgage if you think you&#8217;ll live in your house for a long time. With this type of mortgage, your monthly interest rate stays the same. You can plan your expenses with more ease with a set monthly payment amount.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If interest rates in your region are high, you may want to avoid fixed-rate mortgages. You&#8217;ll be stuck with your interest rate for the duration of your mortgage unless you refinance. If rates are high and you close in, you might pay thousands of dollars in overpaid interest. Contact a local real estate agent or a home loan expert to learn more about current market interest rates.<\/span><\/p>\n<h4><b>Pros of Fixed-Rate Mortgages<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monthly payments are the same for the duration of your loan, making it simpler to budget.<\/span><\/li>\n<\/ul>\n<h4><b>Cons of Fixed-Rate Mortgages<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You may pay more interest over time if the rates are high.<\/span><\/li>\n<\/ul>\n<h4><b>Home Buyers Who Might Benefit<\/b><b><\/b><\/h4>\n<ul>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">Buyers purchasing or refinancing a primary residence that will serve as their forever home.<\/span><\/li>\n<\/ul>\n<h3><b>Adjustable-Rate Mortgages<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A variable-rate mortgage or adjustable-rate mortgage (ARM), is the opposite of a fixed-rate loan. ARMs are <\/span><b>30-yea<\/b><span style=\"font-weight: 400;\">r loans with interest rates that fluctuate based on market conditions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">An ARM always has an introductory fixed-interest period. For example, a <\/span><b>5\/1<\/b><span style=\"font-weight: 400;\"> ARM loan has five years of a fixed interest rate. This makes your monthly payments more manageable during the beginning phase of owning your home.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your interest rate varies according to market interest rates after your introductory period. Your lender will utilize a particular index to calculate how rates change. If the index&#8217;s market rates rise, your rate will go up. If they fall, your rate will decrease.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">ARMs have rate caps that determine how high or low your interest rate can fluctuate in a set period and over the lifetime of your loan. Rate caps defend you from quickly inflating interest rates. For example, interest rates might continuously go up yearly, but when your loan reaches its rate cap, your rate will stop increasing. These rate caps also work vice versa and restrict the amount by which your interest rate can decrease.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Adjustable-rate loans can be a good choice if you plan to buy a starter home before moving to your forever home. If you don&#8217;t plan on living in your current home for the entire loan term, you can take advantage of lower interest rates and save money.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you plan to contribute more money toward your mortgage early, ARMs can help you save on interest payments. Paying additional installments on your loan sooner might save you thousands of dollars in the long run.<\/span><\/p>\n<h4><b>Pros of Adjustable-Rate Mortgages<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You may obtain lower interest rates for the first introductory period if you bid based on this feature.<\/span><\/li>\n<\/ul>\n<h2><b>Cons of Adjustable-Rate Mortgages<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If the rates rise, your monthly payments could skyrocket.<\/span><\/li>\n<\/ul>\n<h2><b>Home Buyers Who Might Benefit<\/b><\/h2>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People looking to buy their first home with the understanding that they likely won&#8217;t stay there until the mortgage is paid off.<\/span><\/li>\n<\/ul>\n<h3><b>Government-Backed Loans<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Government-backed loans are those that government agencies insure. Three main types of government-backed loans are FHA, VA, and USDA. These loans are less risky for lenders because if you default on your mortgage, the agency responsible for insuring the loan will pay out. If you can&#8217;t get a conventional loan, you may still be able to qualify for a government-backed loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Depending on your qualifications, you may be able to save money on interest or down payments when you take out a government-backed loan.<\/span><\/p>\n<h3><b>FHA Loans<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">FHA loans are attainable for individuals with a credit score as low as <\/span><b>580 <\/b><span style=\"font-weight: 400;\">who only have to pay<\/span><b> 3.5%<\/b><span style=\"font-weight: 400;\"> down, thanks to being insured by the Federal Housing Administration. An FHA loan may enable you to buy a home with a credit score as low as<\/span><b> 500<\/b><span style=\"font-weight: 400;\"> once you pay at least <\/span><b>10%<\/b><span style=\"font-weight: 400;\"> down on the property.<\/span><\/p>\n<h3><b>USDA Loans<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The United States Department of Agriculture insures the USDA loans. USDA loans have fewer mortgage insurance requirements than FHA loans, enabling borrowers to acquire a house with no down payment. To qualify for a USDA loan, you must satisfy certain income standards and buy a property in a suburban or rural area.<\/span><\/p>\n<h3><b>VA Loans<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The Department of Veterans Affairs insures VA home loans. A VA loan allows you to buy a house with <\/span><b>$0<\/b><span style=\"font-weight: 400;\"> down and lower interest rates than other forms of borrowing. You must fulfill military or National Guard service standards to qualify for a VA loan.<\/span><\/p>\n<h4><b>Pros of Government-Backed Loans<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Reduced interest rates and down payments could save you money on your closing costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">There are fewer stringent qualification requirements than with traditional loans.<\/span><\/li>\n<\/ul>\n<h3><b>Cons of Government-Backed Loans<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">To be eligible, you must fulfill certain conditions.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Borrowers must pay upfront costs (also known as funding fees) on many government-backed loans, resulting in increased borrowing expenses.<\/span><\/li>\n<\/ul>\n<h4><b>Home Buyers Who Might Benefit<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">People who do not qualify for standard loans or have limited cash savings.<\/span><\/li>\n<\/ul>\n<h3><b>Jumbo Loans<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">A jumbo loan is worth more than the amount you could get with a conforming loan in your area. To purchase a high-value property, you generally require a jumbo loan. Jumbo loan interest rates are usually comparable to conventional lending rates, but they&#8217;re more challenging to acquire than other forms of financing. You&#8217;ll need a better credit score and a lower debt-to-income ratio to qualify for a jumbo loan.<\/span><\/p>\n<h4><b>Pros of Jumbo Loans<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The interest rates on jumbo loans are comparable to the interest rates of conforming loans.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You may borrow more money for a more costly house.<\/span><\/li>\n<\/ul>\n<h4><b>Cons Of Jumbo Loans<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Frequently, you need a credit score of <\/span><b>700+<\/b><span style=\"font-weight: 400;\">, many assets, and a low DTI ratio to qualify for this.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You&#8217;ll need a significant down payment, usually between <\/span><b>10% and 20% <\/b><span style=\"font-weight: 400;\">of the purchase price.<\/span><\/li>\n<\/ul>\n<h4><b>Home Buyers Who Might Benefit<\/b><\/h4>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Those who need a loan larger than <\/span><b>$647,200<\/b><span style=\"font-weight: 400;\"> for a high-end home, and have a good credit score and low DTI.<\/span><\/li>\n<\/ul>\n<p><b>Read More: <\/b><a href=\"https:\/\/westcapitallending.com\/is-now-a-good-time-to-refinance-your-mortgage\/\" target=\"_blank\" rel=\"noopener\"><b>Is Now A Good Time To Refinance Your Mortgage?<\/b><\/a><\/p>\n<h2><b>The Bottom Line<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Your specific preferences and circumstances determine the most acceptable mortgage loan. To figure out how much you&#8217;ll need to borrow from your mortgage lender, calculate your anticipated purchase and refinancing expenses ahead of time.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When purchasing a new house, consumers should consider several factors, including the rate of interest, risk-free investment options, and the ability to pay off the mortgage in a shorter period. When buying a home for the first time, there&#8217;s a lot to think about. Your credit score, income, debt, and property location all influence which mortgages you qualify for. To obtain a tailored answer that best suits your circumstances, start filling out an application for a mortgage.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Do you have any questions about different home loan programs? Leave a comment below or <\/span><a href=\"https:\/\/westcapitallending.com\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">contact us<\/span><\/a> <span style=\"font-weight: 400;\">for a free consultation<\/span><span style=\"font-weight: 400;\">.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every prospective home buyer needs to research the types of mortgages to find the best loan for their needs. Applying for a home loan can be complicated, and deciding which type of mortgage could be best for you ahead of time will help you focus on the correct type of home. When you buy a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[52],"tags":[],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/westcapitallending.com\/blog\/wp-json\/wp\/v2\/posts\/17064"}],"collection":[{"href":"https:\/\/westcapitallending.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/westcapitallending.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/westcapitallending.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/westcapitallending.com\/blog\/wp-json\/wp\/v2\/comments?post=17064"}],"version-history":[{"count":3,"href":"https:\/\/westcapitallending.com\/blog\/wp-json\/wp\/v2\/posts\/17064\/revisions"}],"predecessor-version":[{"id":17070,"href":"https:\/\/westcapitallending.com\/blog\/wp-json\/wp\/v2\/posts\/17064\/revisions\/17070"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/westcapitallending.com\/blog\/wp-json\/wp\/v2\/media\/17065"}],"wp:attachment":[{"href":"https:\/\/westcapitallending.com\/blog\/wp-json\/wp\/v2\/media?parent=17064"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/westcapitallending.com\/blog\/wp-json\/wp\/v2\/categories?post=17064"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/westcapitallending.com\/blog\/wp-json\/wp\/v2\/tags?post=17064"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}