{"id":3784,"date":"2021-09-27T05:00:29","date_gmt":"2021-09-27T10:00:29","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/"},"modified":"2021-09-27T05:00:29","modified_gmt":"2021-09-27T10:00:29","slug":"if-youre-a-buyer-is-offering-asking-price-enough","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/","title":{"rendered":"If You\u2019re a Buyer, Is Offering Asking Price Enough?"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2021\/09\/24102903\/20210927-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"If You\u2019re a Buyer, Is Offering Asking Price Enough? | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>In today\u2019s real estate market, buyers shouldn\u2019t shop for a home with the expectation they\u2019ll be able to negotiate a lower sales price. In a typical housing market, buyers try to determine how much less than the asking price they can offer and still get the home. From there, the buyer and seller typically negotiate and agree on a revised price somewhere in the middle.<\/p>\n<p><span id=\"more-45217\"><\/span><\/p>\n<h4><strong>Things Are Different Today<\/strong><\/h4>\n<p>Today\u2019s housing market is anything but normal. According to the <a href=\"https:\/\/cdn.nar.realtor\/sites\/default\/files\/documents\/2021-08-realtors-conference-index-09-22-2021_0.pdf\" target=\"_blank\" rel=\"nofollow noopener\"><em>National Association of Realtors<\/em><\/a> (NAR), homes today are:<\/p>\n<ul>\n<li>Receiving an average of\u00a0 3.8 offers<\/li>\n<li>Selling in just 17 days<\/li>\n<\/ul>\n<p>Homes selling quickly and receiving multiple offers highlights how competitive the <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/09\/02\/5-reasons-todays-housing-market-is-anything-but-normal\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">housing market<\/a> is right now. This is due, in large part, to the low supply of homes for sale. Low supply and high demand mean homes often sell for more than the\u00a0asking price. In some cases, they sell for a lot more.\u00a0Selma Hepp, Deputy Chief Economist at<em> CoreLogic<\/em>, <a href=\"https:\/\/www.corelogic.com\/intelligence\/find-stories\/us-sp-corelogic-case-shiller-rockets-to-16-6-reaches-new-records\/\" target=\"_blank\" rel=\"nofollow noopener\">explains<\/a> how these stats can impact buyers:<\/p>\n<blockquote>\n<p><em>\u201cThe imbalance between robust demand and dismal availability of for-sale homes has led to a continual bidding over asking prices, which reached record levels in recent months. <strong>Now, almost 6 in 10 homes listed are selling over the asking price.\u201d<\/strong><\/em><\/p>\n<\/blockquote>\n<h4><strong>You May Need To Rethink How You Look at a Home\u2019s Asking Price<\/strong><\/h4>\n<p>What does that mean for you? If you\u2019ve found your dream home, you need to be realistic about today\u2019s housing market and how that impacts the offer you\u2019ll make. Offering below or even at a home\u2019s asking price may not cut it. In <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/07\/22\/todays-real-estate-market-explained-through-4-key-trends\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">today\u2019s market<\/a>, the highest bidder often wins the home, much like at an auction.<\/p>\n<p>Currently, the asking price is often the floor of the negotiation rather than the ceiling. If you really love a home, it may ultimately sell for more than the sellers are asking. That\u2019s important to keep in mind as you work with your agent to craft an offer.<\/p>\n<h4><strong>Understand An Appraisal Gap Can Happen<\/strong><\/h4>\n<p>Because of today\u2019s <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/09\/09\/home-price-appreciation-is-skyrocketing-in-2021-what-about-2022\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">home price appreciation<\/a> and the auction-like atmosphere in the selling process, <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/08\/31\/what-buyers-and-sellers-need-to-know-about-the-appraisal-gap\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">appraisal gaps<\/a> \u2013 the gap between the price of your contract and the\u00a0appraisal\u00a0for the house \u2013 are more frequent.<\/p>\n<p>According to data from\u00a0<a href=\"https:\/\/www.corelogic.com\/intelligence\/appraisal-gap-increases-in-hot-markets\/\" target=\"_blank\" rel=\"nofollow noopener\"><em>CoreLogic<\/em><\/a>:<\/p>\n<blockquote>\n<p><em>\u201cBeginning in January 2020, nationally, 7% of purchase transactions had a contract price above the appraisal, <strong>but by May 2021, the frequency had increased to 19% of purchase transactions.\u201d<\/strong><\/em><\/p>\n<\/blockquote>\n<p>When this happens, your lender won\u2019t loan you more than the home\u2019s appraised value, and the seller may ask you to make up the difference out of pocket. Buyers in today\u2019s market need to be prepared for this possibility. Know your budget, know what you can afford, and work with a <a href=\"https:\/\/www.simplifyingthemarket.com\/2021\/06\/14\/the-right-expert-will-guide-you-through-this-unprecedented-market\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">trusted advisor<\/a> who can offer expert advice along the way.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>Bidding wars and today\u2019s auction-like atmosphere mean buyers need to rethink how they look at the asking price of a home. Let\u2019s connect so you have a trusted real estate professional who can advise you on the current market and help determine what the market value is on your dream home.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In today\u2019s real estate market, buyers shouldn\u2019t shop for a home with the expectation they\u2019ll be able to negotiate a lower sales price. In a typical housing market, buyers try to determine how much less than the asking price they can offer and still get the home. From there, the buyer and seller typically negotiate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3785,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-3784","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>If You\u2019re a Buyer, Is Offering Asking Price Enough?&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"If You\u2019re a Buyer, Is Offering Asking Price Enough?&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"In today\u2019s real estate market, buyers shouldn\u2019t shop for a home with the expectation they\u2019ll be able to negotiate a lower sales price. In a typical housing market, buyers try to determine how much less than the asking price they can offer and still get the home. From there, the buyer and seller typically negotiate [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/\" \/>\n<meta property=\"og:site_name\" content=\"NWI Loan Guy Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/NWIHomeLoans\" \/>\n<meta property=\"article:published_time\" content=\"2021-09-27T10:00:29+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i0.wp.com\/nwiloanguy.com\/blog\/wp-content\/uploads\/2021\/09\/20210927-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"549\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Scott\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Scott\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/\"},\"author\":{\"name\":\"Scott\",\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/#\\\/schema\\\/person\\\/a2840f8950fa5f9de1d1db60cab8be1e\"},\"headline\":\"If You\u2019re a Buyer, Is Offering Asking Price Enough?\",\"datePublished\":\"2021-09-27T10:00:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/\"},\"wordCount\":533,\"image\":{\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/nwiloanguy.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/09\\\/20210927-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1\",\"keywords\":[\"100% financing\"],\"articleSection\":[\"Local Info\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/\",\"url\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/\",\"name\":\"If You\u2019re a Buyer, Is Offering Asking Price Enough?&#8212;NWI Loan Guy Blog\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/nwiloanguy.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/09\\\/20210927-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1\",\"datePublished\":\"2021-09-27T10:00:29+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/#\\\/schema\\\/person\\\/a2840f8950fa5f9de1d1db60cab8be1e\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/nwiloanguy.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/09\\\/20210927-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/nwiloanguy.com\\\/blog\\\/wp-content\\\/uploads\\\/2021\\\/09\\\/20210927-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1\",\"width\":549,\"height\":300},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/if-youre-a-buyer-is-offering-asking-price-enough\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"If You\u2019re a Buyer, Is Offering Asking Price Enough?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/#website\",\"url\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/\",\"name\":\"NWI Loan Guy Blog\",\"description\":\"Home Loans and Mortgage Refinances in Indiana and Illinois\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/nwiloanguy.com\\\/blog\\\/#\\\/schema\\\/person\\\/a2840f8950fa5f9de1d1db60cab8be1e\",\"name\":\"Scott\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7070c0e7f57008527a09dbef24de155ba16daedbf61748d3598995b65c3c0ce5?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7070c0e7f57008527a09dbef24de155ba16daedbf61748d3598995b65c3c0ce5?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/7070c0e7f57008527a09dbef24de155ba16daedbf61748d3598995b65c3c0ce5?s=96&d=mm&r=g\",\"caption\":\"Scott\"},\"sameAs\":[\"http:\\\/\\\/www.nwiloanguy.com\",\"https:\\\/\\\/www.facebook.com\\\/NWIHomeLoans\",\"https:\\\/\\\/x.com\\\/loan_guy\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"If You\u2019re a Buyer, Is Offering Asking Price Enough?&#8212;NWI Loan Guy Blog","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/","og_locale":"en_US","og_type":"article","og_title":"If You\u2019re a Buyer, Is Offering Asking Price Enough?&#8212;NWI Loan Guy Blog","og_description":"In today\u2019s real estate market, buyers shouldn\u2019t shop for a home with the expectation they\u2019ll be able to negotiate a lower sales price. In a typical housing market, buyers try to determine how much less than the asking price they can offer and still get the home. From there, the buyer and seller typically negotiate [&hellip;]","og_url":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/","og_site_name":"NWI Loan Guy Blog","article_publisher":"https:\/\/www.facebook.com\/NWIHomeLoans","article_author":"https:\/\/www.facebook.com\/NWIHomeLoans","article_published_time":"2021-09-27T10:00:29+00:00","og_image":[{"width":549,"height":300,"url":"https:\/\/i0.wp.com\/nwiloanguy.com\/blog\/wp-content\/uploads\/2021\/09\/20210927-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1","type":"image\/jpeg"}],"author":"Scott","twitter_misc":{"Written by":"Scott","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/#article","isPartOf":{"@id":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/"},"author":{"name":"Scott","@id":"https:\/\/nwiloanguy.com\/blog\/#\/schema\/person\/a2840f8950fa5f9de1d1db60cab8be1e"},"headline":"If You\u2019re a Buyer, Is Offering Asking Price Enough?","datePublished":"2021-09-27T10:00:29+00:00","mainEntityOfPage":{"@id":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/"},"wordCount":533,"image":{"@id":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/nwiloanguy.com\/blog\/wp-content\/uploads\/2021\/09\/20210927-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1","keywords":["100% financing"],"articleSection":["Local Info"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/","url":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/","name":"If You\u2019re a Buyer, Is Offering Asking Price Enough?&#8212;NWI Loan Guy Blog","isPartOf":{"@id":"https:\/\/nwiloanguy.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/#primaryimage"},"image":{"@id":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/nwiloanguy.com\/blog\/wp-content\/uploads\/2021\/09\/20210927-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1","datePublished":"2021-09-27T10:00:29+00:00","author":{"@id":"https:\/\/nwiloanguy.com\/blog\/#\/schema\/person\/a2840f8950fa5f9de1d1db60cab8be1e"},"breadcrumb":{"@id":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/#primaryimage","url":"https:\/\/i0.wp.com\/nwiloanguy.com\/blog\/wp-content\/uploads\/2021\/09\/20210927-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1","contentUrl":"https:\/\/i0.wp.com\/nwiloanguy.com\/blog\/wp-content\/uploads\/2021\/09\/20210927-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1","width":549,"height":300},{"@type":"BreadcrumbList","@id":"https:\/\/nwiloanguy.com\/blog\/if-youre-a-buyer-is-offering-asking-price-enough\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/nwiloanguy.com\/blog\/"},{"@type":"ListItem","position":2,"name":"If You\u2019re a Buyer, Is Offering Asking Price Enough?"}]},{"@type":"WebSite","@id":"https:\/\/nwiloanguy.com\/blog\/#website","url":"https:\/\/nwiloanguy.com\/blog\/","name":"NWI Loan Guy Blog","description":"Home Loans and Mortgage Refinances in Indiana and Illinois","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/nwiloanguy.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/nwiloanguy.com\/blog\/#\/schema\/person\/a2840f8950fa5f9de1d1db60cab8be1e","name":"Scott","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/7070c0e7f57008527a09dbef24de155ba16daedbf61748d3598995b65c3c0ce5?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/7070c0e7f57008527a09dbef24de155ba16daedbf61748d3598995b65c3c0ce5?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/7070c0e7f57008527a09dbef24de155ba16daedbf61748d3598995b65c3c0ce5?s=96&d=mm&r=g","caption":"Scott"},"sameAs":["http:\/\/www.nwiloanguy.com","https:\/\/www.facebook.com\/NWIHomeLoans","https:\/\/x.com\/loan_guy"]}]}},"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/nwiloanguy.com\/blog\/wp-content\/uploads\/2021\/09\/20210927-KCM-Share-549x300-1.jpg?fit=549%2C300&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p65HxI-Z2","jetpack-related-posts":[],"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/nwiloanguy.com\/blog\/wp-json\/wp\/v2\/posts\/3784","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/nwiloanguy.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/nwiloanguy.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/nwiloanguy.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/nwiloanguy.com\/blog\/wp-json\/wp\/v2\/comments?post=3784"}],"version-history":[{"count":0,"href":"https:\/\/nwiloanguy.com\/blog\/wp-json\/wp\/v2\/posts\/3784\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/nwiloanguy.com\/blog\/wp-json\/wp\/v2\/media\/3785"}],"wp:attachment":[{"href":"https:\/\/nwiloanguy.com\/blog\/wp-json\/wp\/v2\/media?parent=3784"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/nwiloanguy.com\/blog\/wp-json\/wp\/v2\/categories?post=3784"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/nwiloanguy.com\/blog\/wp-json\/wp\/v2\/tags?post=3784"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}