{"id":11370,"date":"2025-10-20T13:20:09","date_gmt":"2025-10-20T13:20:09","guid":{"rendered":"https:\/\/jornalmovimento.com.br\/?p=11370"},"modified":"2025-10-20T13:53:04","modified_gmt":"2025-10-20T13:53:04","slug":"rec-long-feed-real-estate-financing","status":"publish","type":"post","link":"https:\/\/jornalmovimento.com.br\/en\/rec-long-feed-real-estate-financing\/","title":{"rendered":"Complete Guide to Financing a Property in the US in 2025"},"content":{"rendered":"<!--loader--><div class=\"wp-block-lazyblock-loader lazyblock-loader-Z166Ttb\"><script>\n    Math.min(window.screen.width, window.screen.height) < 768 ? document.getElementById(\"page\").classList.add(\"fixed\") : '';\n<\/script>\n<div id=\"loader\" class=\"flex h-screen fixed bg-white inset-0\" style=\"z-index: 99999;\" >\n    <div class=\"m-auto flex flex-col\">\n        <div class=\"flex\">\n            <svg style=\"color: \" class=\"m-auto animate-spin h-28 w-28\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewbox=\"0 0 24 24\">\n                <circle class=\"opacity-25\" cx=\"12\" cy=\"12\" r=\"10\" stroke=\"currentColor\" stroke-width=\"4\"><\/circle>\n                <path class=\"opacity-75\" fill=\"currentColor\" d=\"M4 12a8 8 0 018-8V0C5.373 0 0 5.373 0 12h4zm2 5.291A7.962 7.962 0 014 12H0c0 3.042 1.135 5.824 3 7.938l3-2.647z\"><\/path>\n            <\/svg>\n        <\/div>\n                    <div class=\"px-2 my-4 text-center animate-pulse text-xl\">\n                Loading...            <\/div>\n                    <\/div>\n<\/div>\n<script>\n    function waitFor(conditionFunction) {\n        const poll = resolve => {\n            if(conditionFunction()) resolve();\n            else setTimeout(_ => poll(resolve), 400);\n        };\n        return new Promise(poll);\n    }\n\n    window.loaderHandler = setTimeout(() => {\n        waitFor(_ => ((document.querySelector('[data-google-query-id]') !== null) || (typeof avCustomConfig === 'object' && avCustomConfig.skipAds === true)))\n            .then(_ => {\n                if ((window.location.pathname.includes('\/iow')) && ((document.referrer ?? 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color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedb1ecb943551869702-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedb1ecb943551869702-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CHECK NOW          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedb1ecb943551869702-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedb1ecb943551869702-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedb1ecb943551869702-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedb1ecb943551869702-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedb1ecb943551869702-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedb1ecb943551869702-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedb1ecb943551869702-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedb1ecb943551869702-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedb1ecb943551869702-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedb1ecb943551869702-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedb1ecb943551869702-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CHECK NOW          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedb1ecb943551869702-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedb1ecb943551869702-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedb1ecb943551869702-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedb1ecb943551869702-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedb1ecb943551869702-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedb1ecb943551869702-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedb1ecb943551869702-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedb1ecb943551869702-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedb1ecb943551869702-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedb1ecb943551869702-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedb1ecb943551869702-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CHECK NOW          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedb1ecb943551869702-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedb1ecb943551869702-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedb1ecb943551869702-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedb1ecb943551869702-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedb1ecb943551869702-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedb1ecb943551869702-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedb1ecb943551869702-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedb1ecb943551869702-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedb1ecb943551869702-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedb1ecb943551869702-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedb1ecb943551869702-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CHECK NOW          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedb1ecb943551869702-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedb1ecb943551869702-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedb1ecb943551869702-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedb1ecb943551869702-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedb1ecb943551869702-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedb1ecb943551869702-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedb1ecb943551869702-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedb1ecb943551869702-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedb1ecb943551869702-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedb1ecb943551869702-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedb1ecb943551869702-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CHECK NOW          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedb1ecb943551869702-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedb1ecb943551869702-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedb1ecb943551869702-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedb1ecb943551869702-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedb1ecb943551869702-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedb1ecb943551869702-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedb1ecb943551869702-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedb1ecb943551869702-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedb1ecb943551869702-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedb1ecb943551869702-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedb1ecb943551869702-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CHECK NOW          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedb1ecb943551869702-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedb1ecb943551869702-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedb1ecb943551869702-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedb1ecb943551869702-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedb1ecb943551869702-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedb1ecb943551869702-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedb1ecb943551869702-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedb1ecb943551869702-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedb1ecb943551869702-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedb1ecb943551869702-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedb1ecb943551869702-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CHECK NOW          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedb1ecb943551869702-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedb1ecb943551869702-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedb1ecb943551869702-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedb1ecb943551869702-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedb1ecb943551869702-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedb1ecb943551869702-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedb1ecb943551869702-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedb1ecb943551869702-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedb1ecb943551869702-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedb1ecb943551869702-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedb1ecb943551869702-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CHECK NOW          <\/button>\n        <\/a>\n              <\/div>\n          <div data-namespace69dedb1ecb943551869702-card style=\"background: #ffffff; border-radius: 12px; box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1); width: 100%; max-width: 340px; padding: 25px; transition: transform 0.3s ease-in-out; overflow: visible; display: flex; flex-direction: column; position: relative; min-height: 440px; \">\n        \n                          <!-- Company Logo -->\n          <img decoding=\"async\" data-namespace69dedb1ecb943551869702-image src=\"\" alt=\"\" onerror=\"this.src='https:\/\/cdn.adtechpanda.com\/a7c022a9-9b24-4466-847b-d8e479efa5be\/';\" style=\"position: absolute; top: 25px; right: 25px; width: 40px; height: 40px; padding: 2px; object-fit: cover; box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1); border: 0.5px solid lightgray;\">\n          <div data-namespace69dedb1ecb943551869702-header style=\"min-height: 140px;\">\n            <!-- Job Title -->\n            <h3 data-namespace69dedb1ecb943551869702-title style=\"color: #333; font-size: 18px; font-weight: bold; margin-bottom: 5px; text-align: left; margin-right: 50px;\"><\/h3>\n            <!-- Location -->\n            <p data-namespace69dedb1ecb943551869702-location style=\"font-size: 16px; color: #999; margin-bottom: 20px; text-align: left; display: flex; align-items: center;\">\n              <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" height=\"20\" width=\"20\" viewbox=\"0 0 24 24\" style=\"fill: #1e293b; margin-right: 4px;\">\n                <path d=\"M12 2C8.13 2 5 5.13 5 9c0 3.19 3.05 7.09 6.62 10.24L12 21l.38-.76C15.95 16.09 19 12.19 19 9c0-3.87-3.13-7-7-7zm0 10c-1.66 0-3-1.34-3-3s1.34-3 3-3 3 1.34 3 3-1.34 3-3 3z\"\/>\n              <\/svg>\n              <span data-namespace69dedb1ecb943551869702-city><\/span>\n            <\/p>\n          <\/div>\n                \n        <!-- Job Description -->\n        <p data-namespace69dedb1ecb943551869702-prompt style=\"font-size: 16px; color: #666; margin-bottom: 20px; line-height: 1.5; flex-grow: 1; text-align: left;\"><\/p>\n        <!-- Align to the right -->\n        <div data-namespace69dedb1ecb943551869702-price style=\"display: flex; justify-content: flex-end; align-items: baseline; margin-bottom: 10px;\">\n          <span data-namespace69dedb1ecb943551869702-oldprice style=\"text-decoration: line-through; color: #999; margin-right: 10px;\">$100<\/span>\n          <span data-namespace69dedb1ecb943551869702-curprice style=\"font-size: 30px; font-weight: bold; color: #333;\">$80<\/span>\n        <\/div>\n\n        <!-- Apply Button -->\n        <a data-namespace69dedb1ecb943551869702-url href=\"\" style=\"display: inline-block; background: ; color: white; text-decoration: none; border-radius: 6px; font-size: 16px; font-weight: bold; text-align: center; transition: transform 0.3s ease, background 0.3s ease; margin-top: auto;\">\n          <button style=\"width: 100%; padding: 15px 30px;\">  \n            CHECK NOW          <\/button>\n        <\/a>\n              <\/div>\n      <\/div>\n\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-1-o-cenario-atual-que-taxas-estao-em-vigor-em-2025\"><strong>1. The current scenario: what rates are in effect in 2025<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Interest rates are the starting point for those planning financing. In 2025, national averages look like this:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>30 years fixed (conventional financing)<\/strong>: between <strong>6.30% and 6.50%<\/strong> per year.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>15 years fixed<\/strong>: between <strong>5.50% and 5.60%<\/strong> per year.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>FHA (30 years)<\/strong>: between <strong>6.4% and 6.9%<\/strong>, considering the effective rate (APR).<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>These numbers vary depending on the buyer&#039;s credit score, down payment amount, property type, and location. <strong>APR (Annual Percentage Rate)<\/strong> It is always the most important indicator, as it includes interest and embedded costs.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-2-por-que-o-down-payment-e-tao-importante\"><strong>2. Why is down payment so important?<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>The down payment is one of the factors that most influences the total cost of financing. The higher the initial amount, the lower the risks and monthly costs.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Conventional financing can start with <strong>3% input<\/strong>, in special programs.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>O <strong>FHA<\/strong> requires <strong>3,5%<\/strong>, with more flexible approval for those with reasonable credit.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Programs <strong>VA<\/strong> It is <strong>USDA<\/strong> can allow <strong>zero input<\/strong>, in specific situations.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Give <strong>20% or more<\/strong> input eliminates the <strong>PMI (Private Mortgage Insurance)<\/strong>, mandatory insurance for those who finance with less.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>In practice, most buyers give about <strong>9% input<\/strong> when you buy your first property and about <strong>18%<\/strong> on subsequent purchases.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-3-custos-embutidos-que-voce-precisa-conhecer\"><strong>3. Embedded costs you need to know about<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>In addition to the down payment, the buyer pays a series of additional costs that appear in the <strong>Loan Estimate<\/strong>, the document that details all loan expenses. These costs represent <strong>2% to 5%<\/strong> of the property value and include:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Origination fee<\/strong>: fee that the bank charges to initiate financing.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Appraisal fee<\/strong>: cost of professional property appraisal.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Credit report<\/strong>: credit history check.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Title insurance<\/strong>: insurance against problems with the property title.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Escrow and prepaids<\/strong>: advance deposit of taxes and home insurance.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>PMI or MIP<\/strong>: mortgage insurance required when down payment is less than 20%.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Discount points<\/strong>: optional fee that the buyer pays to reduce interest over time.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>These amounts vary depending on the type of loan, the bank and the region.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-4-tipos-de-financiamento-imobiliario-disponiveis\"><strong>4. Types of real estate financing available<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>There are several types of financing in the US, each with its own characteristics. Below are the main ones:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Conventional (Conforming)<\/strong><br>Minimum down payment of 3% to 20%. This is the most common type and requires PMI insurance if the down payment is less than 20%.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>FHA (Federal Housing Administration)<\/strong><br>Down payment of 3.5% or more. Recommended for those with lower credit scores. Requires MIP mortgage insurance.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>VA (Veterans Affairs)<\/strong><br>Zero down payment for military personnel, veterans, and eligible spouses. Very favorable conditions.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>USDA<\/strong><br>Zero down payment for rural properties and income limits. Ideal for those seeking properties outside major urban centers.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Jumbo Loan<\/strong><br>For properties above <strong>US$ 806,500<\/strong> (2025 deadline). Requires excellent credit and a larger down payment.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>ARM (Adjustable-Rate Mortgage)<\/strong><br>Adjustable rate. Starts lower but can fluctuate over time. Good option for those looking to sell before the adjustment.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-5-passo-a-passo-ate-o-fechamento-do-financiamento-imobiliario\"><strong>5. Step by step guide to closing your mortgage loan<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>1. Plan your total budget<\/strong> \u2014 include down payment, closing costs, and emergency fund.<br><strong>2. Check your credit score<\/strong> \u2014 the higher the score, the lower the rate.<br><strong>3. Request pre-approval<\/strong> \u2014 this shows the seller that you are a trustworthy buyer.<br><strong>4. Compare at least three institutions<\/strong> \u2014 ask for the <strong>Loan Estimates<\/strong> on the same day for easy comparison.<br><strong>5. Choose the type of financing<\/strong> \u2014 evaluate term, fixed or adjustable rate, and general conditions.<br><strong>6. Lock the interest rate (rate lock)<\/strong> \u2014 ensures that it does not rise until closing.<br><strong>7. Submit documents and wait for underwriting<\/strong> \u2014 the bank will carry out a credit analysis and property appraisal.<br><strong>8. Make the closing<\/strong> \u2014 sign the contract and complete the purchase.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-6-dicas-praticas-para-economizar-no-financiamento-imobiliario\"><strong>6. Practical tips for saving<\/strong> <strong>node<\/strong> <strong>real estate financing<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Compare <strong>APR<\/strong> (effective annual rate), not just the nominal interest rate.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Of <strong>20% input<\/strong> if possible, to eliminate PMI.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Avoid paying <strong>discount points<\/strong> if you do not intend to stay in the property for many years.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Negotiate all fees, especially origination fees.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Improve your credit before applying to get lower interest rates.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li>Request at least three financing proposals to compare real conditions.<\/li>\n<\/div><\/ul>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-7-onde-buscar-as-melhores-condicoes-de-financiamento-imobiliario\"><strong>7. Where to find the best real estate financing conditions<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>No single bank is always the best. It&#039;s best to compare options.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p><strong>Traditional banks<\/strong> Banks like Bank of America, Wells Fargo, and US Bank offer good packages for checking account customers.<br><strong>Digital lenders<\/strong>, like Rocket Mortgage, stand out for their agility and competitive rates.<br><strong>Local Credit Unions<\/strong> They usually offer lower interest rates and reduced fees.<br><strong>Specialized Lenders<\/strong> in VA and FHA are ideal for those who qualify for these programs.<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Always compare conditions and choose the institution that offers the lowest total cost.<\/p>\n<\/div><!--advertisement--><div class=\"mx-5 sm:mx-0 sm:text-3xl text-2xl font-medium title-font mb-4 text-gray-900 text-left\">\n<h2 id=\"h-8-o-que-observar-no-loan-estimate\"><strong>8. What to look for in the Loan Estimate<\/strong><\/h2>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>O <strong>Loan Estimate<\/strong> This is the document that details all the costs of your loan. Here are the main points to check:<\/p>\n<\/div><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<ul><div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Origination Charges<\/strong>: direct bank fees.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Services and insurance<\/strong>: include appraisal, title and administrative fees.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Prepaids and Escrow<\/strong>: advance taxes and insurance.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>APR<\/strong>: represents the total cost of financing.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Prepayment penalties<\/strong>: check if there is a fine to pay before the deadline.<\/li>\n<\/div>\n\n<div class=\"mx-5 sm:mx-0 prose text-left mb-5\">\n<li><strong>Mandatory escrow<\/strong>: Some banks require this custody account.<\/li>\n<\/div><\/ul>\n<\/div><div class=\"mx-5 sm:mx-0 prose leading-relaxed text-lg mb-5 text-left wp-paragraph\">\n<p>Understanding this document is essential to avoid unpleasant surprises.<\/p>\n<\/div><div class=\"wp-block-lazyblock-accordion lazyblock-accordion-Z278qxj\"><div data-controller=\"accordion\" class=\"mx-5 sm:mx-0 rounded mt-10 mb-20\">\n\t<div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"0\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"0\">\n                        Do I need to pay 20% as a deposit?                    <\/span>\n                    <svg data-accordion-index=\"0\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        No. There are programs that accept 3% or 3.5% down payment, but 20% eliminates PMI insurance.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"1\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"1\">\n                        What is the average rate in 2025?                    <\/span>\n                    <svg data-accordion-index=\"1\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        The average rate for a 30-year fixed term is between 6.30% and 6.50%, varying according to the buyer&#039;s profile.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"2\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"2\">\n                        What is APR and why does it matter?                    <\/span>\n                    <svg data-accordion-index=\"2\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        It is the effective annual rate, which includes interest and embedded costs, reflecting the real cost of financing.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"3\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"3\">\n                        How does credit influence the rate?                    <\/span>\n                    <svg data-accordion-index=\"3\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        The better the score, the lower the risk for the bank \u2014 and the lower the interest rates.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"4\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"4\">\n                        Is it worth paying for discount points?                    <\/span>\n                    <svg data-accordion-index=\"4\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Only if you plan to stay in the property for many years. Otherwise, the cost isn&#039;t worth it.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"5\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"5\">\n                        What is mortgage insurance (PMI\/MIP)?                    <\/span>\n                    <svg data-accordion-index=\"5\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        It is an insurance charged when the down payment is less than 20%, to protect the bank against default.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"6\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"6\">\n                        How long does it take to approve?                    <\/span>\n                    <svg data-accordion-index=\"6\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        The process usually takes 30 to 45 days, but can be faster if all documentation is correct.                    <\/p>\n                <\/div>\n            <\/div>\n                    <h2>\n                <button data-accordion-target=\"title\" data-accordion-index=\"7\" data-action=\"accordion#update\" type=\"button\" class=\"h-24 sm:h-16 flex justify-between items-center py-5 w-full font-medium text-left text-gray-900 rounded-t-xl border-b border-gray-200 dark:border-gray-700 dark:text-white\">\n                    <span class=\"w-4\/5\" data-accordion-index=\"7\">\n                        Can I refinance the loan?                    <\/span>\n                    <svg data-accordion-index=\"7\" data-accordion-target=\"icon\" class=\"w-6 h-6 rotate-180 shrink-0\" fill=\"currentColor\" viewbox=\"0 0 20 20\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path fill-rule=\"evenodd\" d=\"M5.293 7.293a1 1 0 011.414 0L10 10.586l3.293-3.293a1 1 0 111.414 1.414l-4 4a1 1 0 01-1.414 0l-4-4a1 1 0 010-1.414z\" clip-rule=\"evenodd\"><\/path><\/svg>\n                <\/button>\n            <\/h2>\n            <div data-accordion-target=\"description\" class=\"animate-fade-in-down\">\n                <div class=\"py-5 border-b border-gray-200 dark:border-gray-70 text-left\">\n                    <p class=\"mb-2 text-gray-500 dark:text-gray-400\">\n                        Yes. If interest rates drop, you can refinance and reduce your monthly payment.                    <\/p>\n                <\/div>\n            <\/div>\n        \t<\/div>\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Buying a home in the US with financing can seem complicated, but with the right information you can navigate this process with confidence\u2014without surprises along the way. This guide explains in less than 10 minutes the step-by-step process, what to expect, where to pay special attention, how to compare offers, and how to prepare beforehand\u2026 <a class=\"more-link\" href=\"https:\/\/jornalmovimento.com.br\/en\/rec-long-feed-real-estate-financing\/\">Continue reading <span class=\"screen-reader-text\">Complete Guide to Financing a Property in the US in 2025<\/span><\/a><\/p>","protected":false},"author":17,"featured_media":11340,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[2,745,725],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.7 (Yoast SEO v19.1) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Guia completo para financiar um im\u00f3vel nos EUA em 2025 - Jornal Movimento<\/title>\n<meta name=\"description\" content=\"Guia completo para financiar um im\u00f3vel nos EUA em 2025: quanto dar de entrada, taxas atuais e etapas do processo. 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