What the New Qualified Mortgage Regulations Mean for VA Borrowers (2024)

","required": true,"value" : 1,},"down_payment_notice_html" : {"type": "html","content" : "

Without military experience most loans require at least 3% down.

"},"down_payment_notice_nb" : {"type": "hidden","label" : "

","required": true,"value" : 1,},"down_payment_notice_html_nb" : {"type": "html","content" : "

Without military experience most loans require at least 3% down.

We’ve partnered with Neighbors Bank to better serve civilian homebuyers. Veterans United is dedicated to serving Veterans and military families. Neighbors Bank is a proud member of the Veterans United family of companies and provides personalized financing solutions and top-rated customer service for homebuyers like yourself.

"},"property_search" : {"label" : "Where are you looking to buy?","description" : "City or Zip Code","type": "text","invalidMsg": "Please enter a valid location.","placeholder" : "City or Zip Code","attr": "autocomplete=\"off\" aria-describedby=\"calc_inline_afford_init_prop_search_instr\" aria-owns=\"calc_inline_afford_prop_search_results_box\" aria-expanded=\"false\" aria-autocomplete=\"both\""},"property_zip" : {"type": "hidden"},"property_city" : {"type": "hidden"},"property_state" : {"type" : "hidden","required" : true,"invalidMsg": "Please enter a valid US location."},"property_state_select" : {"label": "Where will you be living?","type" : "select","required" : true,"attr": "autocomplete=\"fmcty_off\"","placeholder" : "Select the property location…","onChange" : "setPropertyState","options" : [[ "AL" , "Alabama" ],[ "AK" , "Alaska" ],[ "AZ" , "Arizona" ],[ "AR" , "Arkansas" ],[ "CA" , "California" ],[ "CO" , "Colorado" ],[ "CT" , "Connecticut" ],[ "DE" , "Delaware" ],[ "DC" , "District of Columbia" ],[ "FL" , "Florida" ],[ "GA" , "Georgia" ],[ "HI" , "Hawaii" ],[ "ID" , "Idaho" ],[ "IL" , "Illinois" ],[ "IN" , "Indiana" ],[ "IA" , "Iowa" ],[ "KS" , "Kansas" ],[ "KY" , "Kentucky" ],[ "LA" , "Louisiana" ],[ "ME" , "Maine" ],[ "MD" , "Maryland" ],[ "MA" , "Massachusetts" ],[ "MI" , "Michigan" ],[ "MN" , "Minnesota" ],[ "MS" , "Mississippi" ],[ "MO" , "Missouri" ],[ "MT" , "Montana" ],[ "NE" , "Nebraska" ],[ "NV" , "Nevada" ],[ "NH" , "New Hampshire" ],[ "NJ" , "New Jersey" ],[ "NM" , "New Mexico" ],[ "NY" , "New York" ],[ "NC" , "North Carolina" ],[ "ND" , "North Dakota" ],[ "OH" , "Ohio" ],[ "OK" , "Oklahoma" ],[ "OR" , "Oregon" ],[ "PA" , "Pennsylvania" ],[ "RI" , "Rhode Island" ],[ "SC" , "South Carolina" ],[ "SD" , "South Dakota" ],[ "TN" , "Tennessee" ],[ "TX" , "Texas" ],[ "UT" , "Utah" ],[ "VT" , "Vermont" ],[ "VA" , "Virginia" ],[ "WA" , "Washington" ],[ "WV" , "West Virginia" ],[ "WI" , "Wisconsin" ],[ "WY" , "Wyoming" ]],"disabledOptions" : false},"state_unavailable_notice" : {"type": "hidden","required": true},"state_unavailable_notice_html" : {"type": "html","content" : "

New York Homebuyers:

Due to state regulations, we are not able to accept home loan inquiries for New York properties on this site. If you are interested in a property in another area, you may hit Back and enter a different location.

"},"when_loan" : {"label": "When do you plan to buy?","type" : "radio","required" : true,"placeholder" : "Select your timeframe…","options" : [[ "offer pending" , "ASAP: Offer Pending" ],[ "within a month" , "Within a Month" ],[ "2 to 3 months" , "2 - 3 Months" ],[ "3 to 6 months" , "3 - 6 Months" ],[ "over 6 months" , "6+ Months" ],[ "no time frame" , "Not Sure" ]]},"preventing_loan" : {"label": "What prevents you from buying your new home today?","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "credit" , "My credit rating is too low" ],[ "income" , "My income is too low" ],[ "under_lease" , "I am locked in a rent/lease" ],[ "new_city" , "I am transferring to a new location" ],[ "still_looking" , "I haven’t found a home yet"],[ "other" , "Other" ]]},"property_value" : {"label": "What is your price range?","description": "(An estimate is fine)","type" : "radio","required" : true,"options" : [[ "700001" , "$700K or more" ],[ "700000" , "$600K - $700K" ],[ "600000" , "$500K - $600K" ],[ "500000" , "$400K - $500K" ],[ "400000" , "$350K - $400K" ],[ "350000" , "$300K - $350K" ],[ "300000" , "$250K - $300K" ],[ "250000" , "$200K - $250K" ],[ "200000" , "$150K - $200K" ],[ "150000" , "$100K - $150K" ],[ "90000", "under $100K" ],[ "150001" , "I don’t know"]],"onChange" : "calculateDownPayment",},"home_value" : {"label": "What is the value of your home?","description": "(An estimate is fine)","type" : "currency","required" : true,"attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.","onChange": "calcRefiLtv",},"down_payment" : {"label": "How much of a down payment would you like to make?","description": "","type" : "radio","required" : true,"options" : [[ "0" , "0%" ],[ "3.5" , "3.5%" ],[ "5" , "5%" ],[ "10" , "10%" ],[ "15" , "15%" ],[ "20" , "20%" ],[ "21" , "More than 20%" ]]},"credit_rating" : {"label": "What is your current credit score?","description" : "Your credit information is top secret. We keep all private data under lock and key.","type" : "radio","required" : true,"options" : [["Excellent" , "Excellent (720+)"],["Good", "Good (680-719)"],["Fair", "Fair (620-679)"],["Below Average" , "Below Average (600-619)"],["Poor", "Poor (Below 600)"],["unknown" , "I don’t know"]],},"current_rate" : {"label": "What is your current mortgage interest rate?","type" : "select","required" : true,"placeholder" : "Select your current interest rate…","options" : [[ "2.99" , "under 3%" ],[ "3" , "3%" ],[ "3.125" , "3.125%" ],[ "3.25" , "3.25%" ],[ "3.375" , "3.375%" ],[ "3.5" , "3.5%" ],[ "3.625" , "3.625%" ],[ "3.75" , "3.75%" ],[ "3.875" , "3.875%" ],[ "4" , "4%" ],[ "4.125" , "4.125%" ],[ "4.25" , "4.25%" ],[ "4.375" , "4.375%" ],[ "4.5" , "4.5%" ],[ "4.625" , "4.625%" ],[ "4.75" , "4.75%" ],[ "4.875" , "4.875%" ],[ "5" , "5%" ],[ "5.125" , "5.125%" ],[ "5.25" , "5.25%" ],[ "5.375" , "5.375%" ],[ "5.5" , "5.5%" ],[ "5.625" , "5.625%" ],[ "5.75" , "5.75%" ],[ "5.875" , "5.875%" ],[ "6" , "6%" ],[ "6.125" , "6.125%" ],[ "6.25" , "6.25%" ],[ "6.375" , "6.375%" ],[ "6.5" , "6.5%" ],[ "6.625" , "6.625%" ],[ "6.75" , "6.75%" ],[ "6.875" , "6.875%" ],[ "7" , "7%" ],[ "7.125" , "7.125%" ],[ "7.25" , "7.25%" ],[ "7.375" , "7.375%" ],[ "7.5" , "7.5%" ],[ "7.625" , "7.625%" ],[ "7.75" , "7.75%" ],[ "7.875" , "7.875%" ],[ "8" , "8%" ],[ "8.125" , "8.125%" ],[ "8.25" , "8.25%" ],[ "8.375" , "8.375%" ],[ "8.5" , "8.5%" ],[ "8.625" , "8.625%" ],[ "8.75" , "8.75%" ],[ "8.875" , "8.875%" ],[ "9" , "9%" ],[ "9.125" , "9.125%" ],[ "9.25" , "9.25%" ],[ "9.375" , "9.375%" ],[ "9.5" , "9.5%" ],[ "9.625" , "9.625%" ],[ "9.75" , "9.75%" ],[ "9.875" , "9.875%" ],[ "10" , "10%" ],[ "10.01" , "over 10%" ],[ "5.01" , "I don't know" ]]},"balance" : {"label": "How much do you currently owe on your home mortgage?","type" : "currency","required" : true,"attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.","onChange": "calcRefiLtv",},"refi_ltv" : {"type": "hidden","onChange": "calcRefiTotalLoanAmount"},"refi_total_loan_amount" : {"type": "hidden"},"refi_ltv_message" : {"type": "hidden","label" : "

","required": true,"value" : 1},"ny_opq_message" : {"type": "hidden","label" : "

","required": true,"value" : 1,},"tx_cashout_message" : {"type": "radio","label" : "

Due to state restrictions, we do not offer cash-out or debt consolidation refinances in the state of Texas.

Would you still like to see if we can lower your interest rate?

","required": true,"class" : "field-stacked","options" : [[ "1" , "Yes, continue" ],],"onChange" : "txCashout"},"currentva" : {"label": "Do you currently have a VA Loan?","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "yes" , "Yes, I currently have a VA loan" ],[ "no" , "No, I do not currently have a VA Loan" ]]},"property_type" : {"label": "What type of property are you buying?","type" : "radio","required" : true,"options" : [[ "single" , "Single-Family Home" ],[ "condominium" , "Condominium" ],[ "townhome" , "Town Home" ],[ "multifamily" , "Multi-Family" ],[ "manufactured" , "Mobile / Manufactured" ],[ "new construction" , "New Construction" ],[ "other" , "Other" ]]},"manufactured_own" : {"label": "Will you own or rent the land your home is on?","description" : "Your lender will use this information to determine what kind of loan is right for you.","type" : "radio","required" : true,"options" : [[ "own" , "Own" ],[ "rent" , "Rent" ]]},"property_use" : {"label": "How will this property be used?","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "primary" , "Primary Residence" ],[ "secondary" , "Secondary / Vacation Home" ],[ "investment" , "Investment Property" ],[ "other" , "Other" ]]},"living_situation" : {"label" : "What\u0020best\u0020describes\u0020your\u0020living\u0020situation\u003F","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "own" , "I\u0020currently\u0020\u003Cspan\u003Eown\u003C\/span\u003E\u0020a\u0020home" ],[ "rent" , "I\u0020am\u0020currently\u0020\u003Cspan\u003Erenting\u003C\/span\u003E" ],[ "other" , "Other" ]],},"email" : {"label" : "What is your email address?","description" : "Your inbox is secure with us. We protect your email information 24/7.","type": "email","required": true,"placeholder" : "[email protected]","invalidMsg": "Please enter a valid email address.","doNotTrack": true},"name_label" : {"type": "html","content" : "

What is your name?

"},"first_name" : {"label" : "First Name:","type": "text","required": true,"placeholder" : "First","invalidMsg": "Please enter your first name.","doNotTrack": true},"last_name" : {"label" : "Last Name:","type": "text","required": true,"placeholder" : "Last","invalidMsg": "Please enter your last name.","doNotTrack": true},"address_label" : {"type": "html","content" : "

What is your current street address and ZIP?

"},"address" : {"label" : "Street Address:","description" : "","type": "text","required": true,"placeholder" : "Street Address","invalidMsg": "Please provide your current street address.","doNotTrack": true},"zip" : {"label" : "ZIP Code:","type": "text","required": true,"placeholder" : "ZIP Code","attr": "size=\"5\" maxlength=\"5\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid 5-digit ZIP code."},"time_at_current_address" : {"label": "How long have you lived at this address?","type" : "radio","required" : true,"placeholder" : "Select a timeframe…","class" : "field-stacked","options" : [[ "less than 1 year" , "Less than 1 year" ],[ "1 to 2 years" , "1 - 2 Years" ],[ "2 to 5 years" , "2 - 5 Years" ],[ "over 5 years" , "5+ Years" ]]},"phone_full" : {"label" : "What is your phone number?","description" : "Spam calls annoy us, too. We safeguard your number like it’s our own.","type": "tel","required": true,"placeholder" : "()-","invalidMsg": "Please enter a valid phone number.","doNotTrack": true},"vuhlagree_preamble" : {"type": "html","content" : "

By submitting, I acknowledge, consent and agree to the terms listed below.

"},"vuhlagree" : {"type": "html","content" : "

By submitting, I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. Texting terms apply. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United.

"},"vuhlagree_checkbox" : {"type": "checkbox","value" : 1,"required": true,"invalidMsg": "Check the box above to continue online. You may alternatively call us at 1-800-884-5560 to move ahead.","label" : "I agree to receive calls or texts at this number from Veterans United Home Loans, its affiliates, and lenders, agents and home-services providers about real estate matters or promotional offers from partners, even if they use an autodialer and even if I am on a Do Not Call List. I agree to accept delivery of documents electronically; I agree to the privacy policy and terms. I may receive service without this consent by contacting Veterans United."},"opq" : {"label": "You’re almost there! How would you like to proceed?","type" : "radio","required" : true,"invalidMsg": "Please tell us how you would like to proceed.","options" : [[ "no" , "Request a Call" ],[ "yes" , "Continue Online" ]]},"secure_label" : {"type" : "html","content" : "SECURE FIELD: Protected by 256-bit SSL Encryption"},"gross_income" : {"label": "What's your annual household income?","type" : "radio","required" : true,"placeholder" : "Select your gross household income…","invalidMsg": "Please select the total gross (before taxes) annual income for your household.","options" : [[ '200001', 'Greater than $200,000' ],[ '200000', '$150,000 - $200,000' ],[ '150000', '$100,000 - $150,000' ],[ '100000', '$75,000 - $100,000' ],[ '75000' , '$50,000 - $75,000' ],[ '50000' , '$30,000 - $50,000' ],[ '30000' , 'Less than $30,000' ],]},"bankruptcy" : {"label": "Have you declared bankruptcy in the past 2 years?","type" : "radio","required" : true,"placeholder" : "Select a response…","invalidMsg": "Please select your bankruptcy status.","class" : "field-stacked","options" : [[ 'Never' , 'No' ],[ 'Currently' , 'Yes' ]]},"occupational_status" : {"label": "What is your current employment status?","type" : "radio","required" : true,"placeholder" : "Select your employment status…","invalidMsg": "Please select your current employment status.","class" : "field-stacked","options" : [['Employed', 'Employed'],['Self-Employed' , 'Self-Employed / 1099 Independent Contractor'],['Retired' , 'Retired'],['Not-Employed', 'Not Employed']]},"occupational_industry" : {"label": "In which industry are you employed?","type" : "radio","required" : true,"placeholder" : "Select your employment industry…","invalidMsg": "Please select your current employment industry.","options" : [['Agriculture', 'Agriculture'],['Construction' , 'Construction'],['Education', 'Education' ],['Engineering', 'Engineering' ],['Hospitality', 'Food & Hospitality' ],['Finance', 'Finance' ],['Healthcare' , 'Healthcare' ],['IT' , 'Information Technology' ],['LawEnforcementPublicSafety', 'Law Enforcement / Safety' ],['Transportation', 'Transportation / Logistics' ],['Other', 'Other']]},"marital_status" : {"label": "What is your current marital status?","type" : "radio","required" : true,"placeholder" : "Select your marital status…","invalidMsg": "Please select your current marital status.","options" : [['Married' , 'Married'],['Unmarried' , 'Unmarried'],['Legally Separated' , 'Legally Separated'],['Widowed', 'Widowed'],['Other', 'Other'],['unknown', 'I’d rather not say']]},"has_real_estate_agent" : {"label": "Are you currently working with a real estate agent?","type" : "radio","required" : true,"placeholder" : "Select a response…","invalidMsg": "Please select a response.","class" : "field-stacked","options" : [['no', 'No, I do not have an agent'],['yes' , 'Yes, I have an agent']]},"wants_real_estate_agent" : {"label": "Do you need a real estate agent?","type" : "radio","required" : true,"description" : "Earn up to $1,875^* credit at closing when you also work with a Veterans United Realty network agent!","invalidMsg": "Please select a response.","class" : "field-stacked","options" : [['yes' , 'Yes, I need an agent (Recommended)'],['no', 'No, I already have an agent'],['na', 'Skip this question']]},"vur_offer_disclaimer" : {"label": "^*Credit amounts vary based on factors including loan amount, restrictions apply.","type" : "hidden"},"cash_out" : {"label" : "Would you like to use your home’s equity to borrow additionalcash?","type": "radio","required": true,"options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"cash_out_amount" : {"label" : "How much additional cash would you like to take out?","description" : "You may be able to take out as much as $325,000.","type": "number_slider","required": true,"mask": "number","attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","min" : "0","max" : 325000,"step": 500,"value" : "0","onChange": "calcRefiTotalLoanAmount"},"first_time" : {"label" : "Is this your first time buying a home?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"sell_before_purchase" : {"label" : "Will you sell your current home?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no", "No" ]]},"renting_end_date_label" : {"type": "html","content" : "

When does your lease end?

"},"renting_end_date_month" : {"label" : "Month:","type": "select","required": true,"placeholder" : "Month","invalidMsg": "Please select a month.","options" : [[ "01" , "01 - January" ],[ "02" , "02 - February" ],[ "03" , "03 - March" ],[ "04" , "04 - April" ],[ "05" , "05 - May" ],[ "06" , "06 - June" ],[ "07" , "07 - July" ],[ "08" , "08 - August" ],[ "09" , "09 - September" ],[ "10" , "10 - October" ],[ "11" , "11 - November" ],[ "12" , "12 - December" ],[ "99" , "Other / No End Date" ]]},"renting_end_date_year" : {"label" : "Year:","type": "select","required": true,"placeholder" : "Year","invalidMsg": "Please select a valid date in the future.","options" : [[ "2024" , "2024" ],[ "2025" , "2025" ],[ "2026" , "2026" ],[ "2027" , "2027" ],[ "2028" , "2028" ],[ "2029" , "2029+" ],[ "9999" , "Other / No End Date" ]]},"current_rent_amount" : {"label": "What is your current monthly rent payment?","type" : "currency","placeholder" : "","required" : true,"attr": "size=\"9\" maxlength=\"9\" pattern=\"[0-9]*\"","invalidMsg": "Please enter a valid dollar amount.",},"desired_payment" : {"label" : "What is your desired monthly payment?","description" : "Enter a monthly payment, including taxes and insurance, that feels comfortable in your budget. An estimate is fine.","type": "currency","required": true,"placeholder" : "","invalidMsg": "Please enter a valid dollar amount.","attr": "size=\"9\" maxlength=\"9\" pattern=\"[0-9]*\"",},"twilio_phone" : {"label" : "What is your phone number?","type": "tel","required": true,"placeholder" : "()-","invalidMsg": "Please enter a valid phone number.","doNotTrack": true,},"phone_resend_label" : {"type": "html","content" : "Didn't get a code?"},"phone_resend_text" : {"label" : "","type": "radio","class" : "inline-link","required": false,"options" : [[ "text" , "Resend code" ],],"onChange": "resendCodeText",},"phone_resend_call" : {"label" : "","type": "radio","class" : "inline-link","required": false,"options" : [[ "call" , "Call me with a code" ],],"onChange": "resendCodeCall",},"phone_verify_code" : {"label" : "Verification Code","description" : "Please enter the 4-digit code that was sent to you.","type": "text","attr": "inputmode=\"numeric\" autocomplete=\"one-time-code\" maxlength=\"4\" pattern=\"[0-9]*\"","required": true,"placeholder" : '0000',"invalidMsg": "Please enter the code sent.",},"previous_customer" : {"label" : "Have you closed a loan with Veterans United before?","type": "radio","required": true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],]},"vu_referrer" : {"label" : "How did you hear about VeteransUnited?","type": "radio","required": true,"options" : [[ "friend or family" , "Friend or Family Member" ],[ "real estate agent" , "Real Estate Agent" ],[ "builder" , "My Builder" ],[ "internet search" , "Internet Search" ],[ "online ad" , "Online Advertisem*nt" ],[ "tv or radio" , "TV or Radio Ad" ],[ "direct mail" , "Direct Mail" ],[ "other" , "Other" ]]},"disability_rating" : {"label": "Do you have a disability rating of 10% or higher from theVA?","description" : "Your disability rating may exempt you from the VA Funding Fee, a governmental fee applied to every VA purchase and refinance loan. This fee goes directly to the Department of Veterans Affairs.","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],[ "unknown" , "I’d rather not say" ]]},"disability_income" : {"label": "Are you currently receiving VADisability Income?","description" : "Your receipt of VAdisability income may help us determine other benefits of your VAloan.","type" : "radio","required" : true,"class" : "field-stacked","options" : [[ "yes" , "Yes" ],[ "no" , "No" ],[ "unknown" , "I’d rather not say" ]]},"current_loan_type" : {"label" : "What type of loan is your current mortgage?","type" : "radio","required" : true,"options" : [["Conventional" , "Conventional"],["VA" , "VA"],["FHA" , "FHA"],["USDA" , "USDA"],["none" , "No current mortgage"],["unknown" , "I don’t know"]]},"previous_va_loan" : {"label" : "Have you ever used a VA Loan before?","type" : "radio","required" : true,"class" : "field-stacked","options" : [["yes" , "Yes"],["no" , "No"]]},"paddio" : {"label" : "\u0020\u0020\u0020\u0020\u003Cdiv\u0020id\u003D\u0022paddio\u0022\u0020class\u003D\u0022handoff\u002Dmsg\u0022\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cdiv\u0020class\u003D\u0022logo\u0022\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Csvg\u0020role\u003D\u0022img\u0022\u0020id\u003D\u0022paddioLogo\u0022\u0020viewBox\u003D\u00220\u00200\u0020378\u0020131\u0022\u0020xmlns\u003D\u0022http\u003A\/\/www.w3.org\/2000\/svg\u0022\u0020style\u003D\u0022max\u002Dwidth\u003A320px\u003B\u0022\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Ctitle\u003EPaddio\u003C\/title\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cg\u0020id\u003D\u0022paddioText\u0022\u0020fill\u003D\u0022\u0023001852\u0022\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cpath\u0020d\u003D\u0022m75.65\u002061.68c0\u002013.48\u002D9.19\u002027.07\u002D25.33\u002027.07\u002D7.97\u00200\u002D13.18\u002D3.06\u002D16.45\u002D7.35v22.27a3.64\u00203.64\u00200\u00200\u00201\u0020\u002D3.68\u00203.58h\u002D5.72a3.62\u00203.62\u00200\u00200\u00201\u0020\u002D3.58\u002D3.58v\u002D64.25a3.64\u00203.64\u00200\u00200\u00201\u00203.58\u002D3.68h5.72a3.66\u00203.66\u00200\u00200\u00201\u00203.68\u00203.68v2.45c3.27\u002D4.29\u00208.48\u002D7.35\u002016.45\u002D7.35\u002016.14\u002D.01\u002025.33\u002013.58\u002025.33\u002027.16zm\u002D13.27\u00200c0\u002D7.97\u002D5.11\u002D14.71\u002D13.99\u002D14.71\u002D8.99\u00200\u002D13.99\u00206.64\u002D13.99\u002014.71\u00200\u00207.97\u00205.01\u002014.71\u002013.99\u002014.71\u00208.88\u00200\u002013.99\u002D6.84\u002013.99\u002D14.71zm62.82\u002D25.94h5.62a3.66\u00203.66\u00200\u00200\u00201\u00203.68\u00203.68v44.44a3.66\u00203.66\u00200\u00200\u00201\u0020\u002D3.68\u00203.68h\u002D5.62a3.66\u00203.66\u00200\u00200\u00201\u0020\u002D3.68\u002D3.68v\u002D2.46c\u002D3.27\u00204.29\u002D8.48\u00207.35\u002D16.55\u00207.35\u002D16.04\u00200\u002D25.23\u002D13.59\u002D25.23\u002D27.07\u00200\u002D13.59\u00209.19\u002D27.17\u002025.23\u002D27.17\u00208.07\u00200\u002013.28\u00203.06\u002016.55\u00207.35v\u002D2.45a3.66\u00203.66\u00200\u00200\u00201\u00203.68\u002D3.67zm\u002D4.19\u002025.94c0\u002D8.07\u002D5.11\u002D14.71\u002D13.99\u002D14.71\u002D8.89\u00200\u002D13.99\u00206.74\u002D13.99\u002014.71\u00200\u00207.87\u00205.11\u002014.71\u002013.99\u002014.71s13.99\u002D6.74\u002013.99\u002D14.71zm65.98\u002D45.66h5.72a3.66\u00203.66\u00200\u00200\u00201\u00203.68\u00203.68v64.15a3.66\u00203.66\u00200\u00200\u00201\u0020\u002D3.68\u00203.68h\u002D5.72a3.64\u00203.64\u00200\u00200\u00201\u0020\u002D3.58\u002D3.68v\u002D2.45c\u002D3.37\u00204.29\u002D8.48\u00207.35\u002D16.55\u00207.35\u002D16.04\u00200\u002D25.23\u002D13.59\u002D25.23\u002D27.07\u00200\u002D13.59\u00209.19\u002D27.17\u002025.23\u002D27.17\u00208.07\u00200\u002013.18\u00203.06\u002016.55\u00207.35v\u002D22.16a3.66\u00203.66\u00200\u00200\u00201\u00203.58\u002D3.68zm\u002D4.18\u002045.66c0\u002D8.07\u002D5.01\u002D14.71\u002D13.89\u002D14.71\u002D8.89\u00200\u002D13.99\u00206.74\u002D13.99\u002014.71\u00200\u00207.87\u00205.11\u002014.71\u002013.99\u002014.71s13.89\u002D6.74\u002013.89\u002D14.71zm160.47\u00200c0\u002015.12\u002D11.75\u002027.17\u002D27.38\u002027.17\u002D15.53\u00200\u002D27.27\u002D12.05\u002D27.27\u002D27.17\u00200\u002D15.22\u002011.75\u002D27.17\u002027.27\u002D27.17\u002015.63\u00200\u002027.38\u002011.95\u002027.38\u002027.17zm\u002D13.28\u00200c0\u002D8.07\u002D5.41\u002D14.71\u002D14.1\u002D14.71\u002D8.58\u00200\u002D13.99\u00206.64\u002D13.99\u002014.71s5.41\u002014.71\u002013.99\u002014.71c8.69\u00200\u002014.1\u002D6.64\u002014.1\u002D14.71zm\u002D61.49\u002022.17v\u002D44.43a3.66\u00203.66\u00200\u00200\u00201\u00203.68\u002D3.68h5.62a3.66\u00203.66\u00200\u00200\u00201\u00203.68\u00203.68v44.44a3.66\u00203.66\u00200\u00200\u00201\u0020\u002D3.68\u00203.68h\u002D5.62a3.68\u00203.68\u00200\u00200\u00201\u0020\u002D3.68\u002D3.69zm\u002D.22\u002D61.24c0\u002D3.58\u00202.9\u002D6.58\u00206.49\u002D6.58a6.59\u00206.59\u00200\u00200\u00201\u00200\u002013.16c\u002D3.58\u00200\u002D6.49\u002D3\u002D6.49\u002D6.58zm\u002D18\u002053.59c1.68\u00200\u00203.28.32\u00204.75.91\u00201.56.63\u00203.26\u002D.61\u00203.26\u002D2.29v\u002D55.22a3.68\u00203.68\u00200\u00200\u00200\u0020\u002D3.68\u002D3.68h\u002D5.72a3.64\u00203.64\u00200\u00200\u00200\u0020\u002D3.58\u00203.68v22.17c\u002D3.37\u002D4.29\u002D8.48\u002D7.36\u002D16.55\u002D7.36\u002D16.04\u00200\u002D25.24\u002013.59\u002D25.24\u002027.18\u00200\u002013.49\u00209.2\u002027.08\u002025.24\u002027.08\u00202.27\u00200\u00204.3\u002D.25\u00206.12\u002D.71a4.46\u00204.46\u00200\u00200\u00200\u00203.2\u002D2.88\u002012.83\u002012.83\u00200\u00200\u00201\u002012.2\u002D8.88zm\u002D33.48\u002D14.59c0\u002D7.97\u00205.11\u002D14.71\u002014\u002D14.71s13.9\u00206.64\u002013.9\u002014.71c0\u00207.97\u002D5.01\u002014.71\u002D13.9\u002014.71s\u002D14\u002D6.85\u002D14\u002D14.71z\u0022\u0020\u0020\/\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cpath\u0020d\u003D\u0022m359.13\u002070.68a4.01\u00204.01\u00200\u00200\u00201\u00202.01\u00203.52c0\u0020.73\u002D.18\u00201.41\u002D.54\u00202.03a4.02\u00204.02\u00200\u00200\u00201\u0020\u002D3.54\u00202.06\u00203.94\u00203.94\u00200\u00200\u00201\u0020\u002D3.51\u002D2.04c\u002D.36\u002D.62\u002D.53\u002D1.3\u002D.53\u002D2.03s.18\u002D1.41.54\u002D2.03a4.07\u00204.07\u00200\u00200\u00201\u00205.57\u002D1.51zm\u002D.5\u00206.2a3.11\u00203.11\u00200\u00200\u00200\u00201.12\u002D4.22\u00203.01\u00203.01\u00200\u00200\u00200\u0020\u002D2.68\u002D1.53\u00203\u00203\u00200\u00200\u00200\u0020\u002D2.68\u00201.55c\u002D.27.47\u002D.41.99\u002D.41\u00201.55a3.02\u00203.02\u00200\u00200\u00200\u00203.05\u00203.07c.61\u00200\u00201.13\u002D.14\u00201.6\u002D.42zm\u002D.01\u002D2.63a1.1\u00201.1\u00200\u00200\u00201\u0020\u002D.51.47l.8\u00201.25h\u002D1.12l\u002D.56\u002D1.06h\u002D.72v1.06h\u002D.97v\u002D3.8h1.66c.51\u00200\u0020.91.12\u00201.18.35.28.23.41.56.41.98\u00200\u0020.29\u002D.06.54\u002D.17.75zm\u002D2.11\u002D.1h.68c.21\u00200\u0020.37\u002D.05.49\u002D.16s.17\u002D.26.17\u002D.45c0\u002D.2\u002D.06\u002D.35\u002D.17\u002D.45a.74.74\u00200\u00200\u00200\u0020\u002D.49\u002D.15h\u002D.68z\u0022\/\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003C\/g\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cpath\u0020id\u003D\u0022paddioGraphic\u0022\u0020fill\u003D\u0022\u0023ed2450\u0022\u0020d\u003D\u0022m257.22\u002087.96a7.07\u00207.07\u00200\u00201\u00200\u0020\u002D12.47\u00204.56l5.6\u00205.62\u00205.2\u002D5.62a7.08\u00207.08\u00200\u00200\u00200\u00201.67\u002D4.56zm\u002D7.07\u00202.7a2.82\u00202.82\u00200\u00201\u00201\u00200\u002D5.63\u00202.82\u00202.82\u00200\u00200\u00201\u00200\u00205.63zm10.13\u00204.49c.64\u002D.76\u00201.75\u002D.72\u00202.44\u002D.14a58.25\u002058.25\u00200\u00200\u00200\u002037.74\u002013.91\u002058.33\u002058.33\u00200\u00200\u00200\u002048.01\u002D25.25\u00205.1\u00205.1\u00200\u00200\u00201\u00207.11\u002D1.31\u00205.11\u00205.11\u00200\u00200\u00201\u00201.16\u00207.33\u002068.58\u002068.58\u00200\u00200\u00201\u0020\u002D56.29\u002029.46\u002068.52\u002068.52\u00200\u00200\u00201\u0020\u002D44.79\u002D16.69c\u002D.73\u002D.63\u002D.59\u002D1.56.15\u002D2.33z\u0022\/\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003C\/svg\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003C\/div\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cspan\u003E\n\t\t\tWe\u0020created\u0020Paddio\u0020to\u0020better\u0020serve\u0020civilian\u0020homebuyers.\n\t\t\u003C\/span\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cspan\u0020class\u003D\u0022fmcty\u002Dfield\u002Ddescription\u0022\u003E\n\t\t\tVeterans\u0020United\u0020is\u0020dedicated\u0020to\u0020serving\u0020Veterans\u0020and\u0020military\u0020families.\u0020We\u0020took\u0020our\u0020friendly,\u0020top\u002Drated\u0020homebuying\u0020experience\u0020and\u0020built\u0020Paddio\u0020\u2014\u0020so\u0020we\u0020could\u0020serve\u0020homebuyers\u0020like\u0020yourself.\n\t\t\u003C\/span\u003E\n\u0020\u0020\u0020\u0020\u003C\/div\u003E\n","type" : "radio","value" : 1,"required" : true,"options" : [["1", "Continue"]],},"neighbors" : {"label" : "\u0020\u0020\u0020\u0020\u003Cdiv\u0020id\u003D\u0022neighbors\u0022\u0020class\u003D\u0022handoff\u002Dmsg\u0022\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cdiv\u0020class\u003D\u0022logo\u0022\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Csvg\u0020role\u003D\u0022img\u0022\u0020id\u003D\u0022neighborsBankLogo\u0022\u0020xmlns\u003D\u0022http\u003A\/\/www.w3.org\/2000\/svg\u0022\u0020viewBox\u003D\u00220\u00200\u0020907.1\u0020118.5\u0022\u0020style\u003D\u0022max\u002Dwidth\u003A400px\u003B\u0022\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Ctitle\u003ENeighbors\u0020Bank\u003C\/title\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cpath\u0020id\u003D\u0022neighborsBankText\u0022\u0020fill\u003D\u0022\u0023016060\u0022\u0020d\u003D\u0022M275.7\u002085.7c\u002D1.8\u002D.6\u002D3.5\u002D1.6\u002D4.9\u002D3a15\u002015\u00200\u00200\u00201\u002D3.4\u002D5.2\u002022\u002022\u00200\u00200\u00201\u002D1.7\u002D8h29.1a23.1\u002023.1\u00200\u00200\u00200\u002D4.9\u002D15.5\u002019.9\u002019.9\u00200\u00200\u00200\u002D15.7\u002D7.3\u002023\u002023\u00200\u00200\u00200\u002D17.2\u00207.5\u002025.8\u002025.8\u00200\u00200\u00200\u002D5\u00208.3\u002029.7\u002029.7\u00200\u00200\u00200\u002D2\u002010.7c0\u00203.6.6\u00206.9\u00201.7\u00209.9A21.8\u002021.8\u00200\u00200\u00200\u0020273.4\u002098c5.7\u00200\u002010.3\u002D1.5\u002013.8\u002D4.3\u00203.6\u002D2.8\u00206.1\u002D6.5\u00207.6\u002D11.1l\u002D1.2\u002D.8a18\u002018\u00200\u00200\u00201\u002D5.1\u00203.5\u002019\u002019\u00200\u00200\u00201\u002D12.8.4Zm2.8\u002D32.5c1.1\u00201.7\u00201.7\u00204.6\u00201.7\u00208.5v3.7l\u002D14.6.4a26\u002026\u00200\u00200\u00201\u00202.3\u002D10.6\u00209.8\u00209.8\u00200\u00200\u00201\u00202.6\u002D3.4c1\u002D.8\u00202.3\u002D1.2\u00203.6\u002D1.2a5\u00205\u00200\u00200\u00201\u00204.4\u00202.6Zm36\u002D13a8.5\u00208.5\u00200\u00200\u00200\u00204.8\u002D11.2\u00207\u00207\u00200\u00200\u00200\u002D1.9\u002D2.6\u00209.5\u00209.5\u00200\u00200\u00200\u002D2.8\u002D2\u00208.5\u00208.5\u00200\u00200\u00200\u002D9.5\u00202\u00208.6\u00208.6\u00200\u00200\u00200\u00209.5\u002013.9ZM302\u002096.5h20.6v\u002D.2a81.1\u002081.1\u00200\u00200\u00201\u002D2\u002D7.8A50.6\u002050.6\u00200\u00200\u00201\u0020320\u002078V46.3L299\u002052v.3c2.2\u00202.3\u00203.7\u00204.7\u00204.5\u00207.2a30\u002030\u00200\u00200\u00201\u00201.3\u00209.7V78a68.4\u002068.4\u00200\u00200\u00201\u002D1.7\u002014.5l\u002D1\u00203.8v.2Zm59.1\u002D17a21\u002021\u00200\u00200\u00200\u00206.6\u002D3.5\u002015.2\u002015.2\u00200\u00200\u00200\u00205.9\u002D11.7\u002012\u002012\u00200\u00200\u00200\u002D1.8\u002D6.5\u002016.3\u002016.3\u00200\u00200\u00200\u002D5\u002D5L380\u002054h.4V42.2l\u002D.2\u002D.1\u002D15.8\u00207.8a24.5\u002024.5\u00200\u00200\u00200\u002D12\u002D3.2\u002026.3\u002026.3\u00200\u00200\u00200\u002D15.2\u00204.9\u002016.5\u002016.5\u00200\u00200\u00200\u002D4.3\u00205.5\u002015\u002015\u00200\u00200\u00200\u002D1.5\u00206.7c0\u00203\u0020.7\u00205.6\u00202.1\u00208\u00201.5\u00202.3\u00203.5\u00204.2\u00206.1\u00205.7l\u002D3.4\u00201.8c\u002D1\u0020.8\u002D2\u00201.6\u002D3\u00202.7\u002D.9\u00201\u002D1.6\u00202.2\u002D2.2\u00203.5a14\u002014\u00200\u00200\u00200\u002D.8\u00204.7c0\u00204.1\u00201.7\u00207.2\u00205.2\u00209.1\u002D2\u00201\u002D3.7\u00202\u002D5\u00203.5a7.3\u00207.3\u00200\u00200\u00200\u002D2.2\u00205.3c0\u00203.4\u00202\u00206\u00206.2\u00207.8a44\u002044\u00200\u00200\u00200\u002017\u00202.7c9.2\u00200\u002016.3\u002D1.5\u002021.3\u002D4.5s7.5\u002D7\u00207.6\u002D12.2a11.3\u002011.3\u00200\u00200\u00200\u002D5.3\u002D10\u002020\u002020\u00200\u00200\u00200\u002D6.3\u002D2.7c\u002D2.4\u002D.6\u002D5.2\u002D1\u002D8.2\u002D1.2l\u002D11\u002D.5a16\u002016\u00200\u00200\u00201\u002D7\u002D1.5c\u002D1.3\u002D.8\u002D2\u002D1.9\u002D2\u002D3.2a4\u00204\u00200\u00200\u00201\u00202.4\u002D3.7\u002026\u002026\u00200\u00200\u00200\u00209.6\u00201.7c3\u00200\u00206\u002D.4\u00208.5\u002D1.3Zm\u002D13.5\u002D5.9c\u002D1\u002D2.3\u002D1.6\u002D5.5\u002D1.6\u002D9.7s.5\u002D7.4\u00201.5\u002D9.8c1\u002D2.3\u00202.7\u002D3.4\u00205\u002D3.4s4\u00201.1\u00205\u00203.4c1\u00202.4\u00201.6\u00205.6\u00201.6\u00209.8s\u002D.5\u00207.4\u002D1.6\u00209.7c\u002D1\u00202.3\u002D2.7\u00203.5\u002D5\u00203.5s\u002D3.8\u002D1.2\u002D4.9\u002D3.5Zm\u002D9.7\u002029.5\u00201\u002D2c2\u0020.5\u00204.6\u00201\u00207.6\u00201.1l9.9.5c4.7.3\u00208\u0020.8\u002010.2\u00201.5\u00202.2.8\u00203.2\u00202.1\u00203.2\u00204\u00200\u00202\u002D1.3\u00203.6\u002D3.8\u00204.7a47\u002047\u00200\u00200\u00201\u002D18\u00201.1\u002020\u002020\u00200\u00200\u00201\u002D5.5\u002D1.5\u00209.8\u00209.8\u00200\u00200\u00201\u002D3.7\u002D2.7c\u002D.9\u002D1\u002D1.3\u002D2.4\u002D1.3\u002D4\u00200\u002D1\u0020.1\u002D2\u0020.4\u002D2.7Zm48\u002D6.6h20.8v\u002D.2a81.1\u002081.1\u00200\u00200\u00201\u002D2\u002D7.8\u002057.8\u002057.8\u00200\u00200\u00201\u002D.8\u002D10.4V60.8c1.1\u002D1.5\u00202.5\u002D2.7\u00204.1\u002D3.7\u00201.7\u002D1\u00203.5\u002D1.4\u00205.6\u002D1.4\u00202.4\u00200\u00204.2.7\u00205.3\u00202\u00201.1\u00201.3\u00201.7\u00203\u00201.7\u00205V78a75.9\u002075.9\u00200\u00200\u00201\u002D.7\u002010.4c\u002D.3\u00201.4\u002D.5\u00202.7\u002D1\u00204a137\u0020137\u00200\u00200\u00201\u002D1.1\u00203.8v.2h20.7v\u002D.2a33.5\u002033.5\u00200\u00200\u00201\u002D2\u002D7.8\u0020113.5\u0020113.5\u00200\u00200\u00201\u002D.6\u002D10.6V60.6a14\u002014\u00200\u00200\u00200\u002D4.1\u002D10.2\u002015\u002015\u00200\u00200\u00200\u002D10.7\u002D3.6\u002019\u002019\u00200\u00200\u00200\u002D10.8\u00203.1\u002020.5\u002020.5\u00200\u00200\u00200\u002D6.3\u00206.4v\u002D35L383\u002027v.2c2.1\u00202.2\u00203.6\u00204.6\u00204.5\u00207.1a33\u002033\u00200\u00200\u00201\u00201.3\u00209.7v34a81.3\u002081.3\u00200\u00200\u00201\u002D.8\u002010.7\u002042.2\u002042.2\u00200\u00200\u00201\u002D2\u00207.7v.2Zm62\u0020.3h1l5.8\u002D3.9c1.7\u00201.4\u00203.9\u00202.6\u00206.6\u00203.6a29\u002029\u00200\u00200\u00200\u002010.2\u00201.5c4.5\u00200\u00208.4\u002D.7\u002011.8\u002D2.1\u00203.4\u002D1.4\u00206.2\u002D3.4\u00208.5\u002D5.8\u00202.2\u002D2.5\u00204\u002D5.4\u00205\u002D8.7a33.3\u002033.3\u00200\u00200\u00200\u0020.4\u002D20.4\u002023\u002023\u00200\u00200\u00200\u002D3.8\u002D7.5c\u002D1.7\u002D2\u002D3.7\u002D3.7\u002D6\u002D5a20.2\u002020.2\u00200\u00200\u00200\u002D23.9\u00206h\u002D.3V21.4L442\u002027v.1c2.1\u00202.3\u00203.6\u00204.7\u00204.5\u00207.2a33\u002033\u00200\u00200\u00201\u00201.3\u00209.7v52.7Zm21\u002D3.3A7.7\u00207.7\u00200\u00200\u00201\u0020466\u002091a12\u002012\u00200\u00200\u00201\u002D2\u002D4.1c\u002D.6\u002D1.7\u002D.8\u002D3.8\u002D.8\u002D6.3V58.3a13.3\u002013.3\u00200\u00200\u00201\u00208\u002D2.6c3.6\u00200\u00206.5\u00201.4\u00208.4\u00204.3\u00202\u00202.8\u00202.9\u00207.6\u00202.9\u002014.4a50\u002050\u00200\u00200\u00201\u002D.6\u00208c\u002D.4\u00202.4\u002D1\u00204.5\u002D1.9\u00206.2s\u002D1.9\u00203.1\u002D3.1\u00204a7.1\u00207.1\u00200\u00200\u00201\u002D4.5\u00201.5\u00208\u00208\u00200\u00200\u00201\u002D3.4\u002D.7Zm71.7\u00202.7A27\u002027\u00200\u00200\u00200\u0020555.3\u002083c1.5\u002D3.2\u00202.2\u002D6.7\u00202.2\u002D10.5a24.2\u002024.2\u00200\u00200\u00200\u002D8.3\u002D18.7\u002028.6\u002028.6\u00200\u00200\u00200\u002D37.4\u00200\u002026\u002026\u00200\u00200\u00200\u002D8.4\u002018.7c0\u00203.9.8\u00207.3\u00202.3\u002010.5a25.6\u002025.6\u00200\u00200\u00200\u002014.7\u002013\u002028.5\u002028.5\u00200\u00200\u00200\u002020.1\u00200ZM526\u002092.5a12\u002012\u00200\u00200\u00201\u002D3.4\u002D4.4c\u002D.9\u002D2\u002D1.6\u002D4.2\u002D2\u002D6.8a51.1\u002051.1\u00200\u00200\u00201\u00202\u002D24.7c.8\u002D2\u00202\u002D3.4\u00203.3\u002D4.5\u00201.3\u002D1\u00203\u002D1.5\u00204.7\u002D1.5s3.4.5\u00204.7\u00201.5c1.4\u00201\u00202.5\u00202.6\u00203.4\u00204.5.9\u00202\u00201.6\u00204.3\u00202\u00207a56\u002056\u00200\u00200\u00201\u00200\u002017.7c\u002D.4\u00202.6\u002D1.1\u00204.9\u002D2\u00206.8\u002D.8\u00202\u002D2\u00203.4\u002D3.3\u00204.4\u002D1.3\u00201\u002D2.9\u00201.6\u002D4.7\u00201.6s\u002D3.4\u002D.5\u002D4.7\u002D1.6Zm38.3\u00204h20.6v\u002D.2a81.1\u002081.1\u00200\u00200\u00201\u002D2\u002D7.9\u002050.6\u002050.6\u00200\u00200\u00201\u002D.6\u002D10.4V63.2c.6\u002D.8\u00201.4\u002D1.5\u00202.2\u002D2\u0020.8\u002D.6\u00201.6\u002D.8\u00202.4\u002D.8\u00201.3\u00200\u00203\u0020.4\u00205.2\u00201.2a27\u002027\u00200\u00200\u00201\u00206\u00203h.7l2.5\u002D17.9c\u002D2.4\u002D.4\u002D4.6\u002D.4\u002D6.5\u00200\u002D1.9.6\u002D3.6\u00201.4\u002D5.2\u00202.5\u002D1.5\u00201.2\u002D3\u00202.6\u002D4.2\u00204.2a59.5\u002059.5\u00200\u00200\u00200\u002D3.6\u00205.2V46.3L561.2\u002052v.2a20\u002020\u00200\u00200\u00201\u00204.5\u00207c.8\u00202.6\u00201.3\u00205.9\u00201.3\u00209.8v9a81.3\u002081.3\u00200\u00200\u00201\u002D.8\u002010.7\u002042.2\u002042.2\u00200\u00200\u00201\u002D2\u00207.7v.2Zm75.4\u002D48.2a49.4\u002049.4\u00200\u00200\u00200\u002D20.3\u002D.7\u002020\u002020\u00200\u00200\u00200\u002D6.5\u00202.8\u002013.6\u002013.6\u00200\u00200\u00200\u002D4.5\u00204.8c\u002D1\u00202\u002D1.6\u00204.3\u002D1.6\u00207a14.4\u002014.4\u00200\u00200\u00200\u00204.8\u002011.2c1.4\u00201.3\u00203\u00202.4\u00204.8\u00203.3a114\u0020114\u00200\u00200\u00200\u00209.6\u00204.5\u002015.2\u002015.2\u00200\u00200\u00201\u00206.2\u00204.3c.6.9.9\u00202\u0020.9\u00203.2\u00200\u00201.4\u002D.5\u00202.7\u002D1.5\u00203.8\u002D1\u00201\u002D2.8\u00201.6\u002D5.4\u00201.6\u002D3.5\u00200\u002D6.8\u002D1.2\u002D9.8\u002D3.5\u002D2.9\u002D2.4\u002D6\u002D5.8\u002D9\u002D10.1l\u002D1.4.3\u00201.4\u002014a44.9\u002044.9\u00200\u00200\u00200\u002024.3\u00202.2c2.6\u002D.6\u00204.7\u002D1.5\u00206.6\u002D2.8a13.8\u002013.8\u00200\u00200\u00200\u00206\u002D12.1c0\u002D2.5\u002D.3\u002D4.7\u002D1\u002D6.5\u002D.9\u002D1.8\u002D2\u002D3.3\u002D3.2\u002D4.6a19\u002019\u00200\u00200\u00200\u002D4.5\u002D3.4l\u002D5.1\u002D2.4\u002D4.8\u002D2c\u002D1.5\u002D.6\u002D2.8\u002D1.2\u002D4\u002D1.9\u002D1\u002D.7\u002D2\u002D1.4\u002D2.7\u002D2.3\u002D.7\u002D1\u002D1\u002D2\u002D1\u002D3.3\u00200\u002D1.7.5\u002D3\u00201.7\u002D3.8a7.5\u00207.5\u00200\u00200\u00201\u00204.7\u002D1.4\u002011\u002011\u00200\u00200\u00201\u00207.3\u00202.6c1.2.8\u00202.5\u00201.9\u00203.8\u00203.2a96\u002096\u00200\u00200\u00201\u00204.2\u00204.7l1.3\u002D.4\u002D1.3\u002D12.3ZM235.2\u002096.2l5.3\u002D.4V49.2a38.6\u002038.6\u00200\u00200\u00201\u00201.8\u002D11.6\u002026\u002026\u00200\u00200\u00201\u00202.4\u002D4.7l3.5\u002D5.1v\u002D.2h\u002D21.9v.2a89\u002089\u00200\u00200\u00201\u00203.6\u00205\u002025\u002025\u00200\u00200\u00201\u00203.9\u002010c.3\u00201.9.4\u00204\u0020.4\u00206.6l.2\u002019\u002D32.8\u002D40.8h\u002D22.1v.2a91\u002091\u00200\u00200\u00201\u00203.3\u00203.8\u002020.6\u002020.6\u00200\u00200\u00201\u00203.7\u00207.4c.4\u00201.3.6\u00203\u0020.7\u00204.7v30.4c0\u00202.6\u002D.1\u00204.8\u002D.4\u00206.7a22.4\u002022.4\u00200\u00200\u00201\u002D3.9\u00209.8l\u002D3.6\u00205v.3h22.3v\u002D.2a89\u002089\u00200\u00200\u00201\u002D3.6\u002D5.1\u002023.4\u002023.4\u00200\u00200\u00201\u002D4\u002D10c\u002D.4\u002D1.8\u002D.5\u002D4\u002D.5\u002D6.4l\u002D.4\u002D30\u002042\u002052ZM730.1\u002072c\u002D.6\u002D1.9\u002D1.7\u002D3.6\u002D3\u002D5.1a18.1\u002018.1\u00200\u00200\u00200\u002D5.6\u002D4\u002031\u002031\u00200\u00200\u00200\u002D8\u002D2.5c2.7\u002D.7\u00205\u002D1.7\u00207\u002D3a15\u002015\u00200\u00200\u00200\u00206.8\u002D9c.4\u002D1.6.6\u002D3.3.6\u002D5.1a16\u002016\u00200\u00200\u00200\u002D1.2\u002D6.2c\u002D.7\u002D1.9\u002D2\u002D3.6\u002D4\u002D5a20.4\u002020.4\u00200\u00200\u00200\u002D7.4\u002D3.4\u002047\u002047\u00200\u00200\u00200\u002D11.6\u002D1.2h\u002D8.3a550.9\u0020550.9\u00200\u00200\u00200\u002D13.7.1h\u002D9.8v.2l2\u00205a34\u002034\u00200\u00200\u00201\u00202.1\u00209.7c.2\u00201.8.3\u00204\u0020.3\u00206.5v26.2a75.6\u002075.6\u00200\u00200\u00201\u002D1\u002011.6\u002034\u002034\u00200\u00200\u00201\u002D1.4\u00204.6l\u002D2\u00205v.2h33c4.6\u00200\u00208.6\u002D.4\u002012\u002D1.3\u00203.2\u002D1\u00206\u002D2.1\u00208\u002D3.8\u00202.2\u002D1.6\u00203.7\u002D3.5\u00204.7\u002D5.8a18\u002018\u00200\u00200\u00200\u00201.5\u002D7.5c0\u002D2.2\u002D.3\u002D4.2\u002D1\u002D6.1Zm\u002D36.9\u002D13.3v\u002D27a33.1\u002033.1\u00200\u00200\u00201\u00205.8\u002D.3c2.4\u00200\u00204.4.3\u00206\u00201a10.5\u002010.5\u00200\u00200\u00201\u00206\u00207\u002020.4\u002020.4\u00200\u00200\u00201\u00200\u002010.2c\u002D.4\u00201.7\u002D1.1\u00203.2\u002D2\u00204.5a11.4\u002011.4\u00200\u00200\u00201\u002D9.5\u00204.6h\u002D6.3Zm3\u002033.9\u002D3\u002D.4V62.6h6.6c2.6\u00200\u00204.8.3\u00206.5\u00201.1a11.1\u002011.1\u00200\u00200\u00201\u00206.4\u00208\u002025.6\u002025.6\u00200\u00200\u00201\u002D.1\u002012\u002013\u002013\u00200\u00200\u00201\u002D2.5\u00204.8\u002012\u002012\u00200\u00200\u00201\u002D4.5\u00203c\u002D1.8.8\u002D3.9\u00201.2\u002D6.3\u00201.2l\u002D3.2\u002D.1Zm60.6\u00203c2.6\u002D1.7\u00204.6\u002D3.6\u00206\u002D5.7a11\u002011\u00200\u00200\u00200\u00203.5\u00205.7\u002011\u002011\u00200\u00200\u00200\u00207.6\u00202.4\u002013.6\u002013.6\u00200\u00200\u00200\u002012.5\u002D7.3\u002037\u002037\u00200\u00200\u00200\u00201.5\u002D3.2l\u002D1\u002D.9c\u002D1.5\u00201.3\u002D3\u00202\u002D4.9\u00202\u002D1.6\u00200\u002D2.8\u002D.5\u002D3.4\u002D1.4a7\u00207\u00200\u00200\u00201\u002D.9\u002D3.7V60.7c0\u002D4.3\u002D1.2\u002D7.7\u002D3.7\u002D10.4\u002D2.5\u002D2.6\u002D6.5\u002D4\u002D11.9\u002D4a27.6\u002027.6\u00200\u00200\u00200\u002D14\u00203.7\u002028.8\u002028.8\u00200\u00200\u00200\u002D9.5\u00208l1\u00201.4a33\u002033\u00200\u00200\u00201\u002013\u002D2.8c3.7\u00200\u00206.2.6\u00207.6\u00202\u00201.5\u00201.4\u00202.2\u00203.6\u00202.2\u00206.6v2.9c\u002D2.9.6\u002D5.9\u00201.4\u002D8.9\u00202.4s\u002D5.8\u00202.3\u002D8.3\u00203.8a22\u002022\u00200\u00200\u00200\u002D6.2\u00205.5\u002012.2\u002012.2\u00200\u00200\u00200\u002D2.4\u00207.6c0\u00203.4\u00201\u00206\u00203.3\u00208\u00202.2\u00201.8\u00205\u00202.7\u00208.2\u00202.7s6.2\u002D.8\u00208.7\u002D2.5Zm\u002D3.5\u002D19.3a24\u002024\u00200\u00200\u00201\u00209.1\u002D4.4v15a9.9\u00209.9\u00200\u00200\u00201\u002D5.7\u00201.9c\u002D2\u00200\u002D3.7\u002D.6\u002D4.9\u002D1.8a5.9\u00205.9\u00200\u00200\u00201\u002D1.7\u002D4.4c0\u002D2.4\u00201\u002D4.5\u00203.2\u002D6.3ZM792\u002096.6h21v\u002D.2a82.8\u002082.8\u00200\u00200\u00201\u002D2\u002D8\u002048.4\u002048.4\u00200\u00200\u00201\u002D.6\u002D10.5V60.4a13\u002013\u00200\u00200\u00201\u00204\u002D3.6\u002011\u002011\u00200\u00200\u00201\u00205.6\u002D1.4c2.5\u00200\u00204.3.7\u00205.4\u00202\u00201.1\u00201.4\u00201.6\u00203\u00201.6\u00205V78a110.9\u0020110.9\u00200\u00200\u00201\u002D.6\u002010.5\u002042.2\u002042.2\u00200\u00200\u00201\u002D2\u00207.9v.2H845v\u002D.2a34.1\u002034.1\u00200\u00200\u00201\u002D2\u002D7.9c\u002D.3\u002D1.4\u002D.5\u002D3\u002D.6\u002D4.7l\u002D.1\u002D6V60.3c0\u002D4.3\u002D1.3\u002D7.7\u002D4\u002D10.2a15.2\u002015.2\u00200\u00200\u00200\u002D10.8\u002D3.7\u002019.2\u002019.2\u00200\u00200\u00200\u002D11\u00203.2\u002020.6\u002020.6\u00200\u00200\u00200\u002D6.2\u00206.4l\u002D.5\u002D.1v\u002D10l\u002D20.7\u00205.8v.1a21\u002021\u00200\u00200\u00201\u00204.5\u00207.3c.9\u00202.5\u00201.3\u00205.8\u00201.3\u00209.8v9a83\u002083\u00200\u00200\u00201\u002D.7\u002010.7\u002034.9\u002034.9\u00200\u00200\u00201\u002D2.2\u00207.8v.2Zm61\u00200h21.8v\u002D.2a32.8\u002032.8\u00200\u00200\u00201\u002D2.6\u002D6.8\u002056\u002056\u00200\u00200\u00201\u002D1\u002D9.8V20.6l\u002D21\u00205.8v.3c2\u00202.2\u00203.5\u00204.5\u00204.3\u00207.1\u00201\u00202.6\u00201.4\u00205.9\u00201.4\u00209.8v36.1a58.3\u002058.3\u00200\u00200\u00201\u002D.9\u002010\u002030\u002030\u00200\u00200\u00201\u002D2\u00206.7v.2Zm54.1\u00200v\u002D.2a21.7\u002021.7\u00200\u00200\u00201\u002D5\u002D4.6c\u002D1.3\u002D1.8\u002D2.8\u002D4\u002D4.3\u002D6.6l\u002D12.2\u002D21.5\u00204.9\u002D4.5\u00206.8\u002D5.9a42\u002042\u00200\u00200\u00201\u00208.2\u002D5.1v\u002D.3h\u002D19.3v.2a9.3\u00209.3\u00200\u00200\u00201\u00201.5\u00206c\u002D.1\u00202.3\u002D1.3\u00204.5\u002D3.6\u00206.5L872.4\u002071l14.4\u002025.5h20.4Z\u0022\/\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cpath\u0020id\u003D\u0022neighborsBankHouse\u0022\u0020fill\u003D\u0022\u002373c271\u0022\u0020d\u003D\u0022M151.8\u002090.5h5v.9h\u002D2v5h\u002D1v\u002D5h\u002D2v\u002D.9Zm8.5\u00205.9\u002D1.6\u002D4v4h\u002D1v\u002D5.9h1.2l1.8\u00204.6\u00201.8\u002D4.6h1v6h\u002D.9v\u002D4.2l\u002D1.6\u00204.1h\u002D.7ZM91.9\u00200\u002073.4\u002015\u002054.2\u00200\u00200\u002043.4v53h30.1V58l49.5\u002038.6h8.3V48.2h\u002D8v38.1L30.7\u002048.2H22v40.3H8V47.3l46.3\u002D37\u002047.5\u002037v49.2h45.7V43.4L91.9\u00200Zm47.6\u002088.4h\u002D29.7v\u002D45L80\u002020l12\u002D9.7\u002047.6\u002037v41.1Z\u0022\/\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003C\/svg\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003C\/div\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cspan\u003E\n\t\t\tWe\u2019ve\u0020partnered\u0020with\u0020Neighbors\u0020Bank\u0020to\u0020better\u0020serve\u0020civilian\u0020homebuyers.\n\t\t\u003C\/span\u003E\n\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u0020\u003Cspan\u0020class\u003D\u0022fmcty\u002Dfield\u002Ddescription\u0022\u003E\n\t\t\tVeterans\u0020United\u0020is\u0020dedicated\u0020to\u0020serving\u0020Veterans\u0020and\u0020military\u0020families.\u0020Neighbors\u0020Bank\u0020is\u0020a\u0020proud\u0020member\u0020of\u0020the\u0020Veterans\u0020United\u0020family\u0020of\u0020companies\u0020and\u0020provides\u0020personalized\u0020financing\u0020solutions\u0020and\u0020top\u002Drated\u0020customer\u0020service\u0020for\u0020homebuyers\u0020like\u0020yourself.\n\t\t\u003C\/span\u003E\n\u0020\u0020\u0020\u0020\u003C\/div\u003E\n","type" : "radio","value" : 1,"required" : true,"options" : [["1", "Continue"]],},"start_html" : {"type": "html","content" : "

"},"prompt_forward" : {"type": "hidden","value" : "1"},"house_html" : {"type": "html","content" : "

"},"calc_annual_income_label" : { "type" : "html", "content" : "See What You Can Afford" },"vu_branding" : { "type" : "html", "content" : "" },'calc_annual_income' : {"label": "What's your annual household income?","description" : "","type" : "number_slider","min" : 10000,"max" : 500000,"value" : "72000","mask" : "number","attr": "size=\"11\" maxlength=\"11\" pattern=\"[0-9]*\"","step" :[[0, 1000],[100000 , 10000]],"invalidMsg": "Please enter a dollar amount.",},"result_html" : {"type": "html","content" : "

"},},"order": [{"title" : "start-calc","inputs" :["src","curi","wuri","mktast","adg","cmp","desc","gclid","dclid","dnt_flag","fbclid","msclkid","utm_source","utm_medium","utm_campaign","utm_term","utm_content","val_exp","val_cmp","val_lead","fbp","host_name","form_id","frn","ap_token","opq_guid","opq_worthy","opq_version","opq_treatment","lead_partner_lead_id","adid","plc","ss_test_variation","ss_opq_test_variation","json","google_client_id","start_time","refi_ltv","refi_total_loan_amount","vu_agreestovuprivacypolicy","vu_agreestovutermsandconditions","vu_consentstovutcpa","vu_agreestovuautodial","vu_agreestovutexting","vu_agreestosmsterms","vu_agreestovusharingwithaffiliates","vu_agreestotransactioncommunications","vu_agreestolendingpartners","vu_agreestohbcpartneroffers","matchtype","mbsy_source","campaignid","microsoftadsnetworktype","mbsy","vu_agreestoedelivery","mrc_agreestohomeservices","twilio_version","lead_intent","purpose","property_value","house_html","calc_annual_income_label","calc_annual_income",],"nextText" : "Start Calculating",},{"title" : "property-location","inputs" : ["property_search","property_zip","property_state","property_city"]},{"title" : "continue-online","inputs" : ["ny_opq_message"]},{"title" : "property-state","inputs" : ["property_state_select"]},{"title" : "texas-cashout","inputs" : ["tx_cashout_message"]},{"title" : "result-slide","inputs" :["result_html","living_situation",],},{"title" : "military-branch","inputs" : ["military_branch"]},{"title" : "active-duty","inputs" : ["military_status"]},{"title" : "pcs-orders","inputs" : ["pcs"],},{"title" : "refi-goals","inputs" : ["refi_reason"]},{"title" : "first-time","inputs" : ["first_time"]},{"title" : "property-type","inputs" : ["property_type"]},{"title" : "manufactured-property","inputs" : ["manufactured_own"]},{"title" : "property-use","inputs" : ["property_use"]},{"title" : "where-in-process","inputs" : ["vu_whereprocess"]},{"title" : "timeframe","inputs" : ["when_loan"]},{"title" : "timeframe-reason","inputs" : ["preventing_loan"]},{"title" : "sell-home","inputs" : ["sell_before_purchase"]},{"title" : "current-loan","inputs" : ["current_loan_type"]},{"title" : "mortgage-balance","inputs" : ["balance"]},{"title" : "interest-rate","inputs" : ["current_rate"]},{"title" : "refi-continue","inputs" : ["refi_ltv_message"],"nextText" : "Yes, continue"},{"title" : "cash-out-amount","inputs": ["cash_out_amount"],"after" : "

Maximum cashout amount based on the home value and mortgage balance information you supplied. Not guaranteed until locked in by your Loan Officer.

"},{"title" : "credit-rating","inputs" : ["credit_rating"]},{"title" : "employment","inputs" : ["occupational_status"]},{"title" : "income","inputs" : ["gross_income"]},{"title" : "bankruptcy","inputs" : ["bankruptcy"]},{"title" : "property-state","inputs" : ["civilian_property_state_select"]},{"title" : "three-percent-down","inputs" : ["three_percent_down"]},{"title" : "down-payment","inputs" : ["down_payment"]},{"title" : "down-payment-notice","inputs" : ["down_payment_notice",],},{"title" : "down-payment-notice-nb","inputs" : ["down_payment_notice_nb",],},{"title" : "paddio","inputs" : ["paddio",],"after" : "

Paddio has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.

"},{"title" : "neighbors-bank","inputs" : ["neighbors",],"after" : "

Neighbors Bank has been determined to be a better option for your unique homebuying situation. If you think this is a mistake and you do have military experience, please contact Veterans United Home Loans directly at 1-800-884-5560.

"},{"title" : "email","inputs" : ["email","secure_label","next","vu_agreestoemails",]},{"title" : "name","inputs" : ["name_label","first_name","last_name","secure_label"]},{"title" : "current-address","inputs" : ["address_label","address","zip","secure_label"]},{"title" : "time-at-current-address","inputs" : ["time_at_current_address"]}, {"title" : "phone","inputs" : ["phone_full","secure_label","submit","vuhlagree",]},{"title" : "phone-verify","inputs" : ["twilio_phone","secure_label","next","vuhlagree",],},{"title" : "phone-verify-code","inputs" : ["phone_verify_code","phone_resend_label","phone_resend_text","phone_resend_call",],autoAdvance : false,},{"title" : "disability-rating","inputs" : ["disability_rating"]},],"logic" : {"conditions" : {"is_purchase" : {"target" : "purpose","operator" : "=","value" : "P"},"is_refinance" : {"target" : "purpose","operator" : "=","value" : "R"},"is_civilian" : {"target" : "military_branch","operator" : "=","value" : "Civilian"},"is_spouse" : {"target" : "military_branch","operator" : "=","value" : "Spouse"},"is_other_va_eligible" : {"target" : "military_branch","operator" : "=","value" : "Other"},"is_active_duty" : {"target" : "military_status","operator" : "=","value" : "active"},"property_state_is_MA" : {"target" : "property_state","operator" : "=","value" : "MA"},"property_state_is_TN" : {"target" : "property_state","operator" : "=","value" : "TN"},"property_state_is_TX" : {"target" : "property_state","operator" : "=","value" : "TX"},"property_state_is_NY" : {"target" : "property_state","operator" : "=","value" : "NY"},"property_area_is_Clarksville" : {"target" : "property_zip","operator" : "inArray","value" : ["37010", "37015", "37040", "37042", "37043", "37050", "37146", "37172", "37191", "42223", "42240", "42262"]},"zip_is_Clarksville" : {"target" : "zip","operator" : "inArray","value" : ["37010", "37015", "37040", "37042", "37043", "37050", "37146", "37172", "37191", "42223", "42240", "42262"]},"property_state_lookup_failed" : {"target" : "property_state","operator" : "=","value": "fail"},"property_value_less_than_100k" : {"target" : "property_value","operator" : "<","value" : "100000"},"home_value_less_than_100k" : {"target" : "home_value","operator" : "<","value" : "100000"},"home_value_less_than_balance" : {"target" : "home_value","operator" : "<","inputValue" : "balance"},"balance_less_than_100k" : {"target" : "balance","operator" : "<","value" : "100000"},"balance_less_than_80k" : {"target" : "balance","operator" : "<","value" : "80000"},"current_rate_not_irrrl_worthy" : {"target": "current_rate","operator": "<","value" : "3.5"},"current_rate_not_cashout_worthy" : {"target": "current_rate","operator": "<","value" : "3.25"},"is_refi_cashout" : {"target": "refi_reason","operator": "=","value" : "cashout"},"is_refi_consolidation" : {"target": "refi_reason","operator": "=","value" : "consolidation"},"refi_ltv_greater_than_85" : {"target" : "refi_ltv","operator" : ">","value" : "85"},"refi_ltv_greater_than_95" : {"target" : "refi_ltv","operator" : ">","value" : "95"},"refi_amount_greater_than_15000" : {"target" : "refi_total_loan_amount","operator" : ">","value" : "15000"},"has_bankruptcy" : {"target": "bankruptcy","operator": "!=","value" : "Never"},"is_current_homeowner" : {"target": "living_situation","operator": "=","value" : "own"},"is_first_time_homebuyer" : {"target": "first_time","operator": "=","value" : "yes"},"current_loan_type_is_va" : {"target": "current_loan_type","operator": "=","value" : "VA"},"currentva_is_true" : {"target": "currentva","operator": "=","value" : "yes"},"had_previous_va_loan" : {"target": "previous_va_loan","operator": "=","value" : "yes"},"is_renting" : {"target": "living_situation","operator": "=","value" : "rent"},"is_manufactured_home" : {"target" : "property_type","operator" : "=","value" : "manufactured"},"over_6_months" : {"target" : "when_loan","operator" : "=","value" : "over 6 months"},"has_disability_income" : {"target": "disability_income","operator": "=","value" : "yes"},"has_agent" : {"target": "has_real_estate_agent","operator": "=","value" : "yes"},"random_under_80" : {"target" : "frn","operator" : "<=","value" : "80"},"random_under_90" : {"target" : "frn","operator" : "<=","value" : "90"},"property_in_territory" : {"target" : "property_state","operator": "inArray","value": ["GU", "PR", "VI"]},"is_previous_customer" : {"target" : "previous_customer","operator" : "=","value" : "yes"},"is_employed" : {"target" : "occupational_status","operator" : "inArray","value" : ["Employed", "Self-Employed"]},"prop_value_over_150k" : {"target" : "property_value","operator" : ">","value": "150000"},"credit_rating_good_or_excellent" : {"target" : "credit_rating","operator" : "inArray","value": ["Good","Excellent"]},"prop_state_is_neighbors" : {"target" : "civilian_property_state_select","operator": "inArray","value": ["NV", "NY", "NJ", "UT"]},"prop_state_is_MA" : {"target" : "property_state","operator": "=","value": "MA"},"civilian_prop_state_is_MA" : {"target" : "civilian_property_state_select","operator": "=","value": "MA"},"three_percent_down" : {"target" : "three_percent_down","operator": "=","value": "yes"},"twilio_on_for_all" : {"target" : "twilio_version","operator" : "=","value" : "1"},"queue_override_set": {"target": "queue_override","operator": "!=","value": ""},"down_payment_is_zero" : {"target" : "down_payment","operator": "=","value": "0"},"has_home_to_sell" : {"target" : "sell_before_purchase","operator" : "=","value" : "yes"},},"rules" : {"toggle_three_percent_down" : {"condition" : "is_purchase && is_civilian","target" : "three_percent_down","action" : "show","else" : "hide",},"toggle_down_payment_notice" : {"condition" : "is_purchase && is_civilian && ( ! three_percent_down || down_payment_is_zero ) && ! prop_state_is_neighbors && ! civilian_prop_state_is_MA","target" : "down_payment_notice","action" : "show","else" : "hide",},"toggle_down_payment_notice_html" : {"condition" : "is_purchase && is_civilian && ( ! three_percent_down || down_payment_is_zero ) && ! prop_state_is_neighbors && ! civilian_prop_state_is_MA","target" : "down_payment_notice_html","action" : "show","else" : "hide",},"toggle_down_payment_notice_nb" : {"condition" : "is_purchase && is_civilian && ( ! three_percent_down || down_payment_is_zero ) && prop_state_is_neighbors && ! civilian_prop_state_is_MA","target" : "down_payment_notice_nb","action" : "show","else" : "hide",},"toggle_down_payment_notice_html_nb" : {"condition" : "is_purchase && is_civilian && ( ! three_percent_down || down_payment_is_zero ) && ! prop_state_is_neighbors && ! civilian_prop_state_is_MA","target" : "down_payment_notice_html_nb","action" : "show","else" : "hide",},"toggle_civilian_property_state" : {"condition" : "is_purchase && is_civilian","target" : "civilian_property_state_select","action" : "show","else" : "hide",},"toggle_down_payment" : {"condition" : "is_purchase && is_civilian && three_percent_down","target" : "down_payment","action" : "show","else" : "hide"},"toggle_neighbors_bank" : {"condition" : "is_purchase && is_civilian && ! is_manufactured_home && prop_state_is_neighbors && ! prop_state_is_MA && ! queue_override_set","target" : "neighbors","action" : "show","else" : "hide"},"toggle_paddio" : {"condition" : "is_purchase && is_civilian && ! is_manufactured_home && ! prop_state_is_neighbors && ! prop_state_is_MA && ! queue_override_set","target" : "paddio","action" : "show","else" : "hide"},"toggle_phone" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "phone_full","action" : "hide","else" : "show"},"toggle_twilio_verification" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "twilio_phone","action" : "show","else" : "hide"},"toggle_twilio_verification_resend_label" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "phone_resend_label","action" : "show","else" : "hide"},"toggle_twilio_verification_resend_text" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "phone_resend_text","action" : "show","else" : "hide"},"toggle_twilio_verification_resend_call" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "phone_resend_call","action" : "show","else" : "hide"},"toggle_twilio_verification_code" : {"condition" : "( is_civilian || twilio_on_for_all )","target" : "phone_verify_code","action" : "show","else" : "hide"},"toggle_property_search_label": {"condition": "is_refinance","target": "property_search","action": {"label" : "Where is your home located?"},"else": {"label" : "Where will your new home be located?"}},"toggle_property_state_select": {"condition": "property_state_lookup_failed","target": "property_state_select","action": "show","else": "hide"},"toggle_property_state_select_label": {"condition": "is_refinance","target": "property_state_select","action": {"label" : "In what state is your home located?"},"else": {"label" : "In what state will your new home be located?"}},"toggle_vu_referrer" : {"condition" : "is_previous_customer","target" : "vu_referrer","action": "hide","else" : "show"},"toggle_desired_payment" : {"condition" : "is_purchase","target" : "desired_payment","action" : "show","else" : "hide"},"toggle_property_value": {"condition": "is_purchase","target": "property_value","action": "show","else": "hide"},"toggle_home_value": {"condition": "is_refinance","target": "home_value","action": "show","else": "hide"},"toggle_current_rate": {"condition": "is_refinance","target": "current_rate","action": "show","else": "hide"},"toggle_balance": {"condition": "is_refinance","target": "balance","action": "show","else": "hide"},"toggle_refi_reason": {"condition" : "is_refinance","target" : "refi_reason","action" : "show","else" : "hide"},"toggle_tx_cashout_message": {"condition" : "is_refinance && property_state_is_TX && ( is_refi_cashout || is_refi_consolidation )","target" : "tx_cashout_message","action" : "show","else" : "hide"},"toggle_refi_ltv_message" : {"condition" : "is_refinance && ( is_refi_cashout || is_refi_consolidation ) && refi_ltv_greater_than_85","target" : "refi_ltv_message","action" : "show","else" : "hide"},"toggle_cash_out_amount": {"condition" : "is_refinance && ! is_civilian && ! property_state_is_TX && ( is_refi_cashout || is_refi_consolidation ) && ! refi_ltv_greater_than_85","target" : "cash_out_amount","action" : "show","else" : "hide"},"set_cash_out_amount_max": {"condition" : "! refi_ltv_greater_than_85","target" : "cash_out_amount","action": {"max" : "#var{cashOutMax}"}},"toggle_currentva" : {"condition" : "is_refinance && home_value_less_than_balance","target" : "currentva","action" : "show","else" : "hide"},"toggle_manufactured_own" : {"condition" : "is_manufactured_home","target" : "manufactured_own","action" : "show","else" : "hide"},"toggle_property_type_label" : {"condition" : "is_purchase","target" : "property_type","action" : {"label" : "What type of property are you buying?"},"else" : {"label" : "What type of property is your home?"},},"toggle_property_use_label" : {"condition" : "is_purchase","target" : "property_use","action" : {"label" : "How will you use your new home?"},"else" : {"label" : "How are you using this home?"},},"toggle_credit_score" : {"condition" : "property_state_is_MA","target" : "credit_rating","action" : "hide","else" : "show"},"toggle_occupational_status" : {"condition" : "! is_active_duty","target" : "occupational_status","action" : "show","else" : "hide"},"toggle_occupational_industry" : {"condition" : "is_employed && ! is_active_duty","target" : "occupational_industry","action" : "show","else" : "hide"},"toggle_when_loan" : {"condition" : "is_purchase","target" : "when_loan","action" : "show","else" : "hide"},"toggle_preventing_loan" : {"condition" : "is_purchase && over_6_months","target" : "preventing_loan","action" : "show","else" : "hide"},"toggle_first_time" : {"condition" : "is_purchase && ! is_current_homeowner","target" : "first_time","action" : "show","else" : "hide"},"toggle_current_loan_type_none" : {"condition" : "is_refinance","target" : "current_loan_type","action": {"disabledOptions" : ["none"]},"else": {"disabledOptions" : []}},"toggle_previous_va_loan" : {"condition" : "! is_civilian && ! is_first_time_homebuyer && ! current_loan_type_is_va && ! currentva_is_true","target" : "previous_va_loan","action" : "show","else" : "hide"},"toggle_previous_va_customer" : {"condition" : "is_civilian || is_first_time_homebuyer || ! had_previous_va_loan","target" : "previous_customer","action" : "hide","else" : "show"},"toggle_disability_income": {"condition": "! is_civilian","target": "disability_income","action": "show","else": "hide"},"toggle_disability_rating": {"condition": "! is_civilian && has_disability_income","target": "disability_rating","action": "show","else": "hide"},"toggle_military_status" : {"condition" : "! is_civilian && ! is_spouse && ! is_other_va_eligible","target" : "military_status","action": "show","else": "hide"},"toggle_currently_overseas" : {"condition" : "is_active_duty && ! is_civilian && ! is_spouse && ! is_other_va_eligible","target" : "currently_overseas","action": "show","else": "hide"},"toggle_pcs" : {"condition" : "is_purchase && is_active_duty && ! is_civilian && ! is_spouse && ! is_other_va_eligible","target" : "pcs","action": "show","else": "hide"},"toggle_military_type" : {"condition" : "! is_civilian && ! is_spouse && ! is_other_va_eligible","target" : "military_type","action": "show","else": "hide"},"toggle_property_type_construction" : {"condition" : "is_refinance","target" : "property_type","action": {"disabledOptions" : ["new construction"]},"else": {"disabledOptions" : ["other"]}},"toggle_opq_version" : {"condition" : "random_under_80","target" : "opq_version","action" : {"value" : "manual"},"else" : {"value" : "auto"},},"toggle_opq_worthy" : {"condition" : "! property_in_territory && ! ( is_refinance && ( has_bankruptcy || is_manufactured_home || ! refi_amount_greater_than_15000 || ( property_state_is_TX && ( is_refi_cashout || is_refi_consolidation ) ) ) )","target" : "opq_worthy","action" : {"value" : "1"},"else" : {"value" : "0"}},"toggle_ny_opq_message" : {"condition" : "property_state_is_NY","target": "ny_opq_message","action": "show","else": "hide"},"toggle_purpose" : {"condition" : "is_renting","target" : "purpose","action" : "hide","else" : "show"},"toggle_sell_before_purchase_label" : {"condition" : "! is_current_homeowner","target" : "sell_before_purchase","action" : {"label" : "Do you have a home to sell?"},"else" : {"label" : "Will you sell your current home?"}},"toggle_sell_home" : {"condition" : "is_purchase && ( is_current_homeowner || ! is_first_time_homebuyer )","target" : "sell_before_purchase","action" : "show","else" : "hide"},"toggle_current_loan" : {"condition" : "( is_purchase || is_refinance ) && ( has_home_to_sell || is_current_homeowner )","target" : "current_loan_type","action" : "show","else" : "hide"},},"validation" : {"zip" : {"operator" : "regex","value" : "^\\d{5}$"},"phone_full" : {"operator" : "regex","value" : "^[23456789]\\d{9}$"},"renting_end_date_year" : {"operator" : "fn","value" : "validateRentingEndDate"},"twilio_phone" : {"operator" : "ajax","value" : "validatePhone"},"phone_verify_code" : {"operator" : "ajax","value" : "validateCode"},}},"nextText" : "Continue","submitText" : "Get\u0020My\u0020Quote\u0021","submitUrl" : "https://www.veteransunited.com/backend.php","submitFn" : "submitFn","autoFocus" : true,"dataLayer" : {'change': true,'ready' : true,'prev': true,},};if (window.calcInlineAffordConfig !== undefined) {window.calcInlineAffordConfig.inputs.purpose = {"type" : "hidden","value" : "P"};window.calcInlineAffordConfig.inputs.property_value = {"type" : "hidden","value" : ""};}window.calcInlineAffordConfig.order[0].after = $('.afterContent');$(document).ready(function(){var calc_inline_afford = $('#calc_inline_afford');Fmcty.fn.launchWindow = function(url,opts) {var width = 600,height = 400;if (opts && opts.width) {width = opts.width;}if (opts && opts.height) {height = opts.height;}var left = (screen.width / 2) - (width / 2),top = (screen.height / 2) - (height / 2);if (opts && opts.top) {top = opts.top;}if (opts && opts.left) {left = opts.left;}var fmctyNewWindow = window.open(url, '', 'menubar=no,toolbar=no,resizable=yes,scrollbars=yes,height=' + height + ',width=' + width + ',top=' + top + ',left=' + left);if (window.focus) {fmctyNewWindow.focus()}return false;};calc_inline_afford.on('fmcty:ready',function(data){$(this).addClass('fmcty-ready');});Fmcty.fn.hideField = function(Fmcty,input,values,result) {$(Fmcty.input).closest('.fmcty-field').addClass('fmcty-field-hidden');};Fmcty.fn.calculateDownPayment = function(data){var values=data.values;$('input[name="down_payment"] + label').each(function () {var label = $(this),input = $('#' + label.attr('for')),percent = input.val();if (percent > 0 && percent < 21 && ! isNaN(percent)) {if (values.hasOwnProperty("property_value")) {if(values.property_value>=700001) {var range1 = Math.round(700000 * percent / 100);range1 = range1.toString().replace(/\B(?=(\d{3})+(?!\d))/g, ",");var range = " ($" + range1 + " + )";} else if(values.property_value != 150001) {var range1 = Math.round(parseInt(values.property_value) * percent / 100);var range2 = Math.round((parseInt(values.property_value) + 50000) * percent / 100);range1 = range1.toString().replace(/\B(?=(\d{3})+(?!\d))/g, ",");range2 = range2.toString().replace(/\B(?=(\d{3})+(?!\d))/g, ",");var range = " ($" + range1 + " – $" + range2 + ")";} else {var range = '';};percent = percent + "%";label.html(percent + " " + range + "");} else {label.text(percent + "%");}}});};Fmcty.fn.validateCode = function(data){var form_id = data.form_id,codeValue = data.value,phoneValue= Fmcty[form_id].verifiedPhone,carrierType = Fmcty[form_id].verifiedCarrierType;if(carrierType == "mobile") {var ajaxUrl = "/ajax/twilio_check_verify.php?verify_method=sms&code=" + codeValue + "&phone=" + phoneValue;} else if(carrierType == "landline") {var ajaxUrl = "/ajax/twilio_check_verify.php?verify_method=call&code=" + codeValue + "&phone=" + phoneValue;}$.ajax({url: ajaxUrl,dataType: 'json',success: function(res){if (res.status == 'approved') {data.input.valid();Fmcty[form_id].submit(false);} else {data.input.validationText = "Incorrect Verification Code";data.input.invalid();}},error: function (res){}});setTimeout(function() {data.input.valid();data.input.closest('.fmcty-section').removeClass('fmcty-section-waiting');},1);};Fmcty.fn.sendVerification = function(data){var form_id = data.form_id,carrierType = Fmcty[form_id].verifiedCarrierType,phoneValue = Fmcty[form_id].verifiedPhone,currentSlide = $('#'+form_id+' .fmcty-section-active').data('fmcty-section');if(Fmcty[form_id].hasOwnProperty('verifiedPhone') && currentSlide != "phone-verify") {var resendType = data.value;if (carrierType === 'mobile' && resendType === 'text'){var ajaxUrl = "/ajax/twilio_verify_send_code.php?verify_method=sms&phone=" + phoneValue;} else if (carrierType === 'landline' || resendType === 'call'){var ajaxUrl = "/ajax/twilio_verify_send_code.php?verify_method=call&phone=" + phoneValue;};$.ajax({url: ajaxUrl,dataType: 'json',success: function(res){},error: function(res){data.input.invalid();},});} else {if (carrierType === 'mobile'){var ajaxUrl = "/ajax/twilio_verify_send_code.php?verify_method=sms&phone=" + phoneValue;} else if (carrierType === 'landline'){var ajaxUrl = "/ajax/twilio_verify_send_code.php?verify_method=call&phone=" + phoneValue;};$.ajax({url: ajaxUrl,dataType: 'json',success: function(res){data.input.valid();Fmcty[form_id].next(false);},error: function(res){data.input.invalid();},});};};Fmcty.fn.validatePhone = function(data) {var rx = new RegExp('^\\d{10}$'),form_id = data.form_id,phoneValue = data.value;if (Fmcty[form_id].hasOwnProperty('verifiedPhone') && Fmcty[form_id].verifiedPhone == phoneValue){setTimeout(function(){$('#'+form_id+' .fmcty-section[data-fmcty-section="phone-verify-code"]').removeClass('fmcty-section-waiting');},1);Fmcty[form_id].next(false);} else {if(rx.test(phoneValue) && ! Fmcty[form_id].phoneCheckInProgress){Fmcty[form_id].phoneCheckInProgress = true;$.ajax({url: "/ajax/twilio_phone_lookup.php?phone=" + phoneValue,dataType: 'json',success: function(res){if(res.carrier_type != 'invalid'){Fmcty[form_id].verifiedCarrierType = res.carrier_type;Fmcty[form_id].verifiedPhone = phoneValue;data.form.find('input[name="phone_full"]').val(data.values.twilio_phone).trigger('change');Fmcty.fn.sendVerification(data);} else {data.input.invalid();}data.input.closest('.fmcty-section').removeClass('fmcty-section-waiting');Fmcty[form_id].phoneCheckInProgress = false;},error: function(res){data.input.closest('.fmcty-section').removeClass('fmcty-section-waiting');data.input.invalid();}});} else {setTimeout(function() {data.input.closest('.fmcty-section').removeClass('fmcty-section-waiting');data.input.invalid();},1);}};};Fmcty.fn.resendCodeText = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.resendCodeCall = function(data) {Fmcty.fn.sendVerification(data);};Fmcty.fn.showOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest('.fmcty-form').find('.fmcty-section[data-fmcty-section="phone"] .fmcty-submit').html('Continue');return false;};Fmcty.fn.hideOpq = function(Fmcty,input,values,result) {if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */input = Fmcty.input;values = Fmcty.values;result = Fmcty.result;}$(input).closest('.fmcty-form').find('.fmcty-section[data-fmcty-section="phone"] .fmcty-submit').html('Get\u0020My\u0020Quote\u0021');return false;};Fmcty.fn.validateRentingEndDate = function(data) {var isValid = true,currMonth = 03,currYear= 2024;if (data.values) {if ( parseInt(data.values.renting_end_date_month) < parseInt(currMonth) && parseInt(data.values.renting_end_date_year) <= parseInt(currYear) ) {isValid = false;}}return isValid;};var fmctyXhr = null;Fmcty.fn.callLocationLookupService = function(query,successCallback,errorCallback) {if (fmctyXhr && fmctyXhr.readyState != 4) {fmctyXhr.abort();}fmctyXhr = $.ajax({url: "https://www.mortgageresearchcenter.com/ajax/location.php?not_state=PR,VI,AE,AS,GU,MH,FM,MP,PW,AP&input=" + query,cache: true,dataType: "json",type: "GET",crossDomain: true,success: function(response) {successCallback(response);},error: function(response) {errorCallback(response);}});};Fmcty.fn.locationLookup = function(data) {var input = data.input,value = data.value,values = data.values,event = data.event,form_id = data.form_id;var section = input.closest('.fmcty-section'),prop_search = section.find('input[name="property_search"]'),prop_zip= section.find('input[name="property_zip"]'),prop_state= section.find('input[name="property_state"]'),prop_city = section.find('input[name="property_city"]'),result_display= section.find('.fmcty-autocomplete-placeholder'),autocomplete= section.find('.fmcty-autocomplete'),location,location_display;if ( ! result_display.length ) {result_display = $('').appendTo(prop_search.parent());}if ( ! autocomplete.length ) {autocomplete = $('

').appendTo('#' + form_id + '_prop_search_results_box');}var autocomplete_results = autocomplete.find('.fmcty-autocomplete-results');if (value.length < 2) {prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');section.removeClass('mrc-zip-complete').find('.fmcty-ajax-result-description').remove();prop_search.attr('aria-expanded', 'false');return;}section.addClass('fmcty-section-waiting mrc-section-waiting');Fmcty.fn.callLocationLookupService(value,function(result) {if (typeof result.data !== 'undefined') {autocomplete_results.html('');for (var i = 0; i < result.data.length; i++) {if (result.data[i].PLACENAME) {var autocomplete_item = "",autocomplete_id = "";if (result.data[i].type === 'zip') {autocomplete_item = result.data[i].ZIPCODE+", ";autocomplete_id = result.data[i].ZIPCODE;} else {autocomplete_id = result.data[i].CityStateKey;}if (result.data[i].PLACENAME) {autocomplete_item += result.data[i].PLACENAME+', ';}if (result.data[i].STATEABBV) {autocomplete_item += result.data[i].STATEABBV;}autocomplete_results.append('

');}}location = result.data[0];section.find('#prop_search_aria_update').text(result.data.length + ' location results');section.removeClass('fmcty-section-waiting mrc-section-waiting').addClass('mrc-zip-complete');prop_search.closest('.fmcty-field').addClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'true');section.find('.fmcty-field-validation').remove();location_display = "";if (location.PLACENAME) {location_display += location.PLACENAME+", ";prop_city.val(location.PLACENAME).trigger('change');} else {prop_city.val('').trigger('change');}if (location.STATEABBV) {location_display += location.STATEABBV;prop_state.val(location.STATEABBV).trigger('change');} else {prop_state.val('').trigger('change');}if (location.ZIPCODE) {prop_zip.val(location.ZIPCODE).trigger('change');} else {prop_zip.val('').trigger('change');}if (location.type === "zip") {location_display = location.ZIPCODE+", " + location_display;}var location_display_partial = location_display.slice(0, value.length),value_regex = new RegExp(value.replace(/[\.\-\d\w\s]+/g, '$&'), 'i'),location_regex = new RegExp(location_display_partial.replace(/[\.\-\d\w\s]+/g, '$&'), 'i'),location_result = location_regex.test(value_regex);if (location_result) {location_display = value + location_display.slice(value.length);} else {location_display = "";}result_display.val(location_display);} else {section.removeClass('fmcty-section-waiting mrc-section-waiting').removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');section.find('#prop_search_aria_update').text('');prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');section.find('.fmcty-ajax-result-description').remove();}},function(result) {if (result.statusText && result.statusText === "error") {section.removeClass('fmcty-section-waiting mrc-section-waiting').removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');prop_state.val('fail').trigger('change');section.find('.fmcty-ajax-result-description').remove();} else {prop_zip.val('').trigger('change');prop_city.val('').trigger('change');prop_state.val('').trigger('change');result_display.val('');}});};Fmcty.fn.setPropertyState = function(Fmcty,input,value,values,event) {var form;if (window.Fmcty.version && parseFloat(window.Fmcty.version) >= 2) { /* Fmcty 2.0 conversion */form= Fmcty.form;value = Fmcty.value;} else {form = input.closest('.fmcty-form');}form.find('input[name="property_state"]').val(value).trigger('change');form.find('input[name="property_city"]').val('').trigger('change');};if (Fmcty.values) {var prop_search_val = "";if (Fmcty.values.property_zip) {prop_search_val = Fmcty.values.property_zip;if (Fmcty.values.property_city) {prop_search_val += ", ";}}if (Fmcty.values.property_city) {prop_search_val += Fmcty.values.property_city;if (Fmcty.values.property_state) {prop_search_val += ", " + Fmcty.values.property_state;}}Fmcty.values.property_search = prop_search_val;}Fmcty.fn.calcRefiLtv = function(data){Fmcty.fn.calcRefiTotalLoanAmount(data);if (!data.values.home_value || !data.values.balance || data.values.home_value == 0) {return;}var homeVal = parseInt(data.values.home_value),balance = parseInt(data.values.balance),ltv = Math.round(balance / homeVal * 100),cashOutMax = Math.round((homeVal * .9 ) - balance);if (cashOutMax > 325000){cashOutMax = 325000;} else if (cashOutMax < 0){cashOutMax = 0;}Fmcty.var.cashOutMax = cashOutMax;if (data.values.cash_out_amount > cashOutMax) {data.form.find('[name="cash_out_amount"]').val(cashOutMax).trigger('change');}data.form.find('[name="refi_ltv"]').val(ltv).trigger('change');data.form.find('.fmcty_max_cash_out').text(String(cashOutMax).replace(/(.)(?=(\d{3})+$)/g,'$1,'));};Fmcty.fn.calcRefiTotalLoanAmount = function(data){var balance = parseInt(data.values.balance) || 0,cashout = parseInt(data.values.cash_out_amount) || 0;data.form.find('[name="refi_total_loan_amount"]').val(balance + cashout).trigger('change');};Fmcty.fn.txCashout = function(data){data.form.find('input[name="refi_reason"]').prop('checked',false).trigger('change').filter('[value="rate"]').prop('checked',true).trigger('change');};Fmcty.fn.submitFn = function(data){var response = data;if (data.response) {response = data.response; /* Fmcty 2.0 conversion */}if (data.values) {Fmcty.fn.recordLeadFeed(data.values);}if (response && response.return_url) {window.location = response.return_url;}};Fmcty.fn.recordLeadFeed = function(values){if (values && values.first_name && values.property_city){var badNames = ["test","f*ck","f*cker","sh*t","bitch","nigg*r","no","none"];if(jQuery.inArray(values.first_name.toLowerCase(), badNames) === -1) {$.ajax({type: "POST",url: "https://webhook.proofapi.com/cw/s8PWk6DsvxQ1kIlMHomPRJK4BRE2/-M78Glw6aeb1hgoWfTvm",dataType: "json",data: {"type" : "custom","first_name" : values.first_name,"email" : values.first_name+values.zip+Math.floor((Math.random() * 1000) + 1)+"@example.com","city": values.property_city,"state": values.property_state,"country": "United States",},success: function(response) {},error: function(response) {},});}}};Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRngCookie = function(data){var cookieName = "rngFormData";var lifetime =30;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRngFormValues = function(data){var values = data.values;var cookie = Fmcty.fn.checkRngCookie('rngFormData');var rngData = {};rngData.cookieTimeStamp = new Date();rngData.currentField = $(data.section).attr('data-fmcty-section');var session = Fmcty.fn.newSession(values);rngData.progress = [];if (typeof cookie !== 'undefined') {rngData.refreshCount = cookie.refreshCount;if(typeof cookie.progress !== 'undefined') {rngData.progress = cookie.progress;}} else {rngData.refreshCount = 0;}if(window.sessionStorage.isNewSession != 'false' || typeof window.sessionStorage.inNewSession === 'undefined') {rngData.progress.push(JSON.parse(session));}$.each(values,function(key,value){if ($.inArray(key,Fmcty.rngFields) !== -1){rngData[key] = value;}});Fmcty.fn.createRngCookie(rngData);};Fmcty.fn.deleteRngValues = function() {var cookieName = "rngFormData";Fmcty.fn.createCookie(cookieName,"",-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = "; expires="+date.toGMTString();}else var expires = "";document.cookie = name+"="+value+expires+"; path=/";};Fmcty.fn.checkRngCookie = function(name) {const value = `; ${document.cookie}`;const parts = value.split(`; ${name}=`);if (parts.length === 2) return $.parseJSON(atob(parts.pop().split(';').shift()));};Fmcty.fn.newSession = function(data) {window.sessionStorage.isNewSession = false; var date = new Date();var nextSection = Fmcty.fn.findNextSection(Object.keys(data));return '{"timestamp":"'+date.toLocaleString().replace(/[^ -~]/g,'')+'", "nextSection":"'+nextSection+'", "src":"'+data.src+'", "cmp":"'+data.cmp+'"}';};Fmcty.fn.findNextSection = function(prefilledFields) {var form = $('#calc_inline_afford');var fieldClasses = prefilledFields.map(function(field) {return '.field-' + field;});fieldClasses.push('.fmcty-field-hidden, .fmcty-field-hidden-input:not(.field-ny_opq_message), .fmcty-field-html, .fmcty-field-submit, .fmcty-field-next, .fmcty-field-prev');var nextSection = form.find('.fmcty-field').not(fieldClasses.join(', ')).first().closest('.fmcty-section');return nextSection.parent().children().index(nextSection) + 1;};addEventListener('beforeunload', (event) => {var data = Fmcty.fn.checkRngCookie('rngFormData');if(!data) {} else {data.refreshCount++;Fmcty.fn.createRngCookie(data);}});Fmcty.fn.utf8_to_b64 = function( str ) {return window.btoa(unescape(encodeURIComponent( str )));};Fmcty.fn.createRldCookie = function(data){var cookieName = "rldFormData";var lifetime =1;var value = Fmcty.fn.utf8_to_b64(JSON.stringify(data));Fmcty.fn.createCookie(cookieName,value,lifetime);};Fmcty.fn.saveRldFormValues = function(data){var values = data.values;var rldData = {};rldData.cookieTimeStamp = new Date();rldData.currentField = $(data.section).attr('data-fmcty-section');$.each(values,function(key,value){if ($.inArray(key,Fmcty.rldFields) !== -1){rldData[key] = value;}});Fmcty.fn.createRldCookie(rldData);};Fmcty.fn.deleteRldValues = function() {var cookieName = "rldFormData";Fmcty.fn.createCookie(cookieName,"",-1);};Fmcty.fn.createCookie = function(name,value,days) {if (days) {var date = new Date();date.setTime(date.getTime()+(days*24*60*60*1000));var expires = "; expires="+date.toGMTString();}else var expires = "";document.cookie = name+"="+value+expires+"; path=/";};Fmcty.fn.setBindings = function(form_var){form_var.on("fmcty:next fmcty:prev",function(e,data){var scrollTop = $(document).scrollTop(),formTop = $('#calc_inline_afford').offset().top;if ( scrollTop > formTop ) {$("html, body").animate({scrollTop:formTop},500)}});form_var.on("fmcty:next",function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Advance To Section',eventLabel: $(elem).data('fmctySection')});}});form_var.on("fmcty:prev",function(e,data){var elem = data;if (data.section) {elem = data.section; /* Fmcty 2.0 conversion */}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Back To Section',eventLabel: $(elem).data('fmctySection')});}});form_var.on("fmcty:change",function(e,data){if (window.dataLayer && data && data.input_name && ( data.input_name === "property_value" || data.input_name === "home_value" ) ) {var adValue = parseInt(data.value) / 1000;window.dataLayer.push({event : "adValue",adValue : adValue});}});form_var.on("fmcty:submit",function(e,data){var values;if (data.values) {values = data.values;} else {values = data;}if (typeof ga !== 'undefined') {ga('vuhlga.send', {hitType: 'event',eventCategory: 'Formocity: #calc_inline_afford',eventAction: 'Submit',eventLabel: values.plc + ' ~ ' + values.purpose});}if (window.dataLayer) {if ( ! ( parseInt(values.property_value) < 100000 || parseInt(values.home_value) < 100000 ) && values.credit_rating !== "Poor" && values.credit_rating !== "unknown" ) {window.dataLayer.push({event : "pkTrueSubmit"});}}});Fmcty.fn.setFrn = function(data){var frnEl;if (data.form){frnEl = $(data.form).find("input[name='frn']");} else {frnEl = $("input[name='frn']");}var frnVal = frnEl.val();if ( !frnVal ){frnEl.val((Math.random() * 100).toFixed(2)).trigger('change');}};form_var.on('fmcty:ready', Fmcty.fn.setFrn);form_var.on('fmcty:ready',function(){function check_ga() {if (typeof ga === 'function') {ga(function() {var tracker = ga.getByName('vuhlga');var client_id = tracker.get('clientId');$("input[name='google_client_id']").val(client_id).trigger('change');});} else {setTimeout(check_ga,500);}}check_ga();});var currStepNum, nextStepNum, prevStepNum, currStep, nextStep, prevStep, progBar, progWrapper;currStepNum = 0;progBar = $('#fmcty-progress-bar-container .progress-bar');progWrapper = $('#fmcty-progress-bar-container');var stepOneCopy = ("Enter your city to check your buying power");var stepTwoCopy = ("Low: More details required");var stepThreeCopy = ("Fair: Share your homebuying goals");var stepFourCopy = ("Good: Estimate accuracy is improving");var stepFiveCopy = ("Strong: Preparing your estimate");var stepSixCopy = ("Completed: Get your quote today");descriptionText = $('.descriptionText');function checker(data) {var service, servicePartTwo, property, propertyPartTwo, eligiblity, eligibilityPartTwo, details, final, finalQuestion, currSlide;var currSlide = $(data.section).attr("data-fmcty-section"); service = ["property-location",];servicePartTwo = ["result-slide","military-branch","active-duty","pcs-orders","first-time",];property = ["property-value","home-value","mortgage-balance","interest-rate","cash-out-amount","property-type","property-use","living_situation","where-in-process",];propertyPartTwo = ["timeframe","current-home","rent-payment","lease-end","first-time","sell-home",];eligibility = ["credit-rating","employment","income","previous-va",];eligibilityPartTwo = ["bankruptcy",];details = ["email","name",];final =["current-address","time-at-current-address",];finalQuestion =["phone",];if($.inArray(currSlide,service)>=0){currStepNum = 1;progBar.width(5+'%');$('.descriptionText span').html(stepOneCopy);} else if($.inArray(currSlide,servicePartTwo)>=0){currStepNum = 2;progBar.width(15+'%');$('.descriptionText span').html(stepTwoCopy);} else if($.inArray(currSlide,property)>=0){currStepNum = 3;progBar.width(28+'%');$('.descriptionText span').html(stepThreeCopy);} else if($.inArray(currSlide,propertyPartTwo)>=0){currStepNum = 4;progBar.width(41+'%');$('.descriptionText span').html(stepThreeCopy);} else if($.inArray(currSlide,eligibility)>=0){currStepNum = 5;progBar.width(63+'%');$('.descriptionText span').html(stepFourCopy);} else if($.inArray(currSlide,eligibilityPartTwo)>=0){currStepNum = 6;progBar.width(75+'%');$('.descriptionText span').html(stepFourCopy);} else if($.inArray(currSlide,details)>=0){currStepNum = 7;progBar.width(85+'%');$('.descriptionText span').html(stepFiveCopy);}else if($.inArray(currSlide,final)>=0){currStepNum = 8;progBar.width(95+'%');$('.descriptionText span').html(stepFiveCopy);}else if($.inArray(currSlide,finalQuestion)>=0){currStepNum = 9;progBar.width(100+'%');$('.descriptionText span').html(stepSixCopy);};currStepNum = currStepNum;nextStepNum = (currStepNum + 1);prevStepNum = (currStepNum - 1);currentStep = $('.fmcty-progress-icon.step-' + currStepNum);prevStep = $('.fmcty-progress-icon.step-' + prevStepNum);nextStep = $('.fmcty-progress-icon.step-' + nextStepNum);};form_var.on('fmcty:ready', function(e, data) {form_var.on('fmcty:progress_updated', function(e, data) {if (data.container.find('.fmcty-section-first.fmcty-section-active').length > 0) {progWrapper.removeClass('fmcty-progress-bar-active');descriptionText.hide();} else {progWrapper.addClass('fmcty-progress-bar-active');descriptionText.show();}});});form_var.on('fmcty:next', function(e, data) {checker(data);$('#fmcty-progress-bar-container').removeClass('step-' + currStepNum).addClass('step-' + currStepNum);currentStep.addClass('active');prevStep.removeClass('active').addClass('valid');progWrapper.removeAttr('class').addClass('step-' + currStepNum).data('fmcty-progress', currStepNum);});form_var.on('fmcty:prev', function(e, data) {checker(data);$('#fmcty-progress-bar-container').removeClass('step-' + currStepNum).addClass('step-' + (prevStepNum));currentStep.addClass('active').removeClass('valid');nextStep.removeClass('valid, active');progWrapper.removeAttr('class').addClass('step-' + currStepNum).data('fmcty-progress', currStepNum);});form_var.on("fmcty:progress_updated",function(e,data){if (data.progress.currentStep > 1) {$('body').addClass('form-started form-engaged');data.container.addClass('fmcty-started fmcty-engaged');} else {$('body').removeClass('form-started');data.container.removeClass('fmcty-started');}});form_var.on('fmcty:section_complete', function(e, data){if (data.section.attr('data-fmcty-section') == 'email'){if(Fmcty.calc_inline_afford) {var values = Fmcty.calc_inline_afford.values;$.post("/v3/marketo_partial.php", values);}}});var plc = form_var.data('fmctyPlc');if (plc && window.calcInlineAffordConfig && window.calcInlineAffordConfig.inputs && window.calcInlineAffordConfig.inputs.plc) {window.calcInlineAffordConfig.inputs.plc.value = plc;}form_var.on('fmcty:ready',function(e,data) {var autocomplete_click = false;function autoAdvanceSection (section) {var hasAutoAdvance = !(section.data('fmcty-auto-advance') === false);if (hasAutoAdvance) {Fmcty['calc_inline_afford'].next();}}form_var.find('[name="property_search"]').not('[type="hidden"]').closest('.fmcty-field').append('

When autocomplete results are available use up and down arrows to review and enter to select.

' );form_var.on('click','.fmcty-autocomplete-result',function(e) {e.preventDefault();var link= $(this),section = link.closest('.fmcty-section'),hint= section.find('.fmcty-autocomplete-placeholder'),prop_search = section.find('input[name="property_search"]'),prop_zip= section.find('input[name="property_zip"]'),prop_state= section.find('input[name="property_state"]'),prop_city = section.find('input[name="property_city"]');prop_zip.val(link.data('zip')).trigger('change');prop_city.val(link.data('city')).trigger('change');prop_state.val(link.data('state')).trigger('change');prop_search.val(link.text());hint.val(link.text());section.find('#prop_search_aria_update').text(hint.val() + ' selected');section.removeClass('mrc-zip-complete');prop_search.attr('aria-expanded', 'false');if ( '' == 'standard' ) {prop_search.focus().closest('.fmcty-field').removeClass('fmcty-field-focused');} else {autoAdvanceSection(section);}}).on('mousedown','.fmcty-autocomplete-result', function(e) {autocomplete_click = true;});form_var.find('[name="property_search"]').not('[type="hidden"]').wrap('

').on('focus',function(e){var link = $(this),section = link.closest('.fmcty-section');link.closest('.fmcty-field').addClass('fmcty-field-focused');if (section.hasClass('mrc-zip-complete')) {prop_search.attr('aria-expanded', 'true');}}).on('blur',function(e){var link= $(this),section = link.closest('.fmcty-section'),prop_search = section.find('input[name="property_search"]');if(autocomplete_click) {autocomplete_click = false;form_var.on('mouseup', function() {$(link).closest('.fmcty-field').removeClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'false');$(this).off('mouseup');});} else {$(link).closest('.fmcty-field').removeClass('fmcty-field-focused');prop_search.attr('aria-expanded', 'false');}}).on('keydown',function(e){if(e.which === 13) {e.preventDefault();e.stopImmediatePropagation();}}).on('keyup',function(e) {var input = $(this),section = input.closest('.fmcty-section');hint= section.find('.fmcty-autocomplete-placeholder'),prop_field= section.find('.field-property_search'),prop_search = section.find('input[name="property_search"]');var results = $('.fmcty-autocomplete-result');section.find('.fmcty-autocomplete-placeholder').val('');switch(e.which) {case 9:break;case 13:section.removeClass('mrc-zip-complete');section.find('#prop_search_aria_update').text(hint.val() + ' selected');if ( '' == 'standard' ) {prop_search.focus().closest('.fmcty-field').removeClass('fmcty-field-focused');} else {autoAdvanceSection(section);}break;case 16:case 37:case 38:case 39:case 40:break;default:Fmcty.fn.locationLookup({"event": e,"input": input,"value": input.val(),"form_id": data.form_id,});break;}if (results.length && prop_field.hasClass('fmcty-field-focused') && section.hasClass('mrc-zip-complete') ) {var selected_result = results.filter('.hover');results.removeClass('hover').attr('aria-selected', 'false');prop_search.removeAttr('aria-activedescendant');if (e.which === 38 || e.which === 40) {var hint= section.find('.fmcty-autocomplete-placeholder'),prop_zip= section.find('input[name="property_zip"]'),prop_state= section.find('input[name="property_state"]'),prop_city = section.find('input[name="property_city"]');switch(e.which) {case 38:if (selected_result.length && selected_result.prev().length) {selected_result = selected_result.prev().addClass('hover').attr('aria-selected', 'true');prop_search.attr('aria-activedescendant', selected_result.attr('id'));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data('zip')).trigger('change');prop_city.val(selected_result.data('city')).trigger('change');prop_state.val(selected_result.data('state')).trigger('change');} else {prop_search.removeAttr('aria-activedescendant');}break;case 40:if (! selected_result.length) {selected_result = results.first().addClass('hover').attr('aria-selected', 'true');} else if (selected_result.next().length) {selected_result = selected_result.next().addClass('hover').attr('aria-selected', 'true');} else {selected_result = results.last().addClass('hover').attr('aria-selected', 'true');}prop_search.attr('aria-activedescendant', selected_result.attr('id'));input.val(selected_result.text());hint.val(selected_result.text());prop_zip.val(selected_result.data('zip')).trigger('change');prop_city.val(selected_result.data('city')).trigger('change');prop_state.val(selected_result.data('state')).trigger('change');break;}}}});});form_var.on('fmcty:ready', function() {function check_ap() {if (typeof window.activeProspectCert !== 'undefined') {$("input[name='ap_token']").val(window.activeProspectCert).trigger('change');} else {if(typeof loadTrustedForm == 'function') {loadTrustedForm();setTimeout(check_ap,1000);}}}check_ap();});form_var.on("fmcty:section_complete", function(e,data) {if(data.section.attr("data-fmcty-section") == "current-home") {if(data.values.living_situation == "rent") {calc_inline_afford.find('[name="purpose"][value="P"]').prop('checked', true).trigger('change');}};});};Fmcty.fn.setBindings(calc_inline_afford);populateAddresses = function (result) {var input = $('input[name="property_search_2"]');var section = input.closest('.fmcty-section');var prop_search = section.find('input[name="property_search_2"]');var prop_rupid = section.find('input[name="property_rupid"]');var autocomplete = section.find('.fmcty-autocomplete');var autocomplete_results = autocomplete.find('.fmcty-autocomplete-results');var placeholder = $('.fmcty-autocomplete-placeholder');if (typeof result.content !== 'undefined') {autocomplete_results.html("");placeholder.html("");section.find("#prop_search_aria_update").text(result.content.length + " location results");section.removeClass("fmcty-section-waiting mrc-section-waiting").addClass("mrc-zip-complete");section.find(".fmcty-field-validation").remove();if (result.content.length > 0) {for (var i = 0; i < result.content.length; i++) {var autocomplete_item = result.content[i].full_address,autocomplete_id = "";autocomplete_results.append('

');}} else {autocomplete_results.append('

');}} else {section.removeClass("fmcty-section-waiting mrc-section-waiting").removeClass("mrc-zip-complete");prop_search.attr("aria-expanded", "false");section.find("#prop_search_aria_update").text("");prop_rupid.val("").trigger("change");section.find(".fmcty-ajax-result-description").remove();}$('body').on('click', '.fmcty-autocomplete-result', function (e) {e.preventDefault();var link = $(this);var prop_address = section.find('input[name="address"]');var prop_rupid = section.find('input[name="property_rupid"]');prop_rupid.val(link.data('rupid')).trigger('change');prop_address.val(link.data('address')).trigger('change');placeholder.val('');});$('[name="property_search_2"]').not('[type="hidden"]').on('keyup', function (e) {var input = $(this),section = input.closest('.fmcty-section'),placeholder = $('.fmcty-autocomplete-placeholder'),results = $('.fmcty-autocomplete-results a');if (results.length) {var selected_result = results.filter('.hover');if (e.which === 38 || e.which === 39 || e.which === 40) {var prop_rupid = section.find('input[name="property_rupid"]'),prop_zip = section.find('input[name="zip"]'),prop_state = section.find('input[name="property_state_2"]'),prop_city = section.find('input[name="property_city_2"]'),prop_address = section.find('input[name="address"]');switch (e.which) {case 38: if (selected_result.length && selected_result.parent().prev().children('a').length) {prop_rupid.val(selected_result.data('rupid')).trigger('change');prop_address.val(selected_result.data('address')).trigger('change');}placeholder.val('');break;case 39: input.val(result.content[0].full_address.toUpperCase()).trigger('change');prop_zip.val(result.content[0].zip).trigger('change');prop_city.val(result.content[0].city).trigger('change');prop_address.val(result.content[0].street_address).trigger('change');prop_state.val(result.content[0].state).trigger('change');prop_rupid.val(result.content[0].rupid).trigger('change');placeholder.val('');break;case 40: prop_address.val(selected_result.data('address')).trigger('change');prop_rupid.val(selected_result.data('rupid')).trigger('change');placeholder.val('');break;}}}});};calc_inline_afford.on('fmcty:next fmcty:prev',function(e,elem) {var slide = $(elem.section[0]);if ( slide.is('li[data-fmcty-section="start-calc"]') ) {$('.fmcty-progress-bar-wrapper.fmcty-progress-bar-active').css('opacity', '0');};if ( slide.is('li[data-fmcty-section="property-location"]') ) {$('.fmcty-progress-bar-wrapper.fmcty-progress-bar-active').css('opacity', '1');}if ( slide.is('li[data-fmcty-section="property-location"]') ) {Fmcty.fn.afford_calculate();}});Fmcty.fn.makeCalc = function() { Fmcty.fn.calc = new Affordability(); Fmcty.fn.afford_calculate();return Fmcty.fn.calc;};Fmcty.fn.afford_calculate = function() {var calc = Fmcty.fn.calc; if (!calc) return false; var values = Fmcty['calc_inline_afford'].values; var prop_value_field = $('#calc_inline_afford').find('input[name="property_value"]');calc.set('annualIncome', (values['calc_annual_income'] * 0.28)); calc.set('monthlyDebts', 0); calc.set('downPaymentPercent', 0); calc.set('loanTermInYears', 30); calc.set('propertyTaxRate', 1.2); calc.set('insuranceRate', 0.035); calc.set('fundingFeeRate', 2.3); calc.set('recommendedIncomeRatio', 1); calc.set('vaDisabled', false); calc.set('vaPreviousUse', false); calc.set('militaryStatus', 'regular'); calc.set('loanType', "p"); calc.set('interestRate', 7.125);var results = calc.calculate();var purchasePrice = calc.formatCurrency(Math.floor(results.purchasePrice), 0);$('#afford-result').html(purchasePrice);prop_value_field.val(Math.floor(results.purchasePrice)).trigger('change');};calc_inline_afford.on('fmcty:ready',function(e,data) {$('#house_animaton').css('opacity', '1');Fmcty.fn.makeCalc();});calc_inline_afford.formocity(window.calcInlineAffordConfig);});