{"id":3128,"date":"2016-02-22T13:30:07","date_gmt":"2016-02-22T13:30:07","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=3128"},"modified":"2020-07-13T22:33:29","modified_gmt":"2020-07-13T22:33:29","slug":"fha-pmi-2","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/","title":{"rendered":"FHA PMI Life of Loan Decision Made"},"content":{"rendered":"<p style=\"text-align: center;\"><a href=\"https:\/\/portal.hud.gov\/hudportal\/HUD\" target=\"_blank\" rel=\"noopener noreferrer\">FHA<\/a> PMI or MIP has been in the news in big ways over the last 3 years.\u00a0 There have been enhancements which helps buyers achieve home ownership easier.\u00a0 Plus the payments are more affordable.<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3130 size-full\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/02\/FHA-Homeownership-500x312.png\" alt=\"FHA PMI changes and update\" width=\"500\" height=\"312\" \/><\/p>\n<h2>Recent Changes in FHA Costs<\/h2>\n<p>The <a href=\"https:\/\/portal.hud.gov\/hudportal\/HUD\" target=\"_blank\" rel=\"noopener noreferrer\">Federal Housing Administration <\/a>decided in January 2013 to make FHA PMI for most borrowers continue for the life of the loan to shore up the FHA insurance reserves.\u00a0 Then in January 2015, <span style=\"text-decoration: underline;\"><strong>President Obama spearheaded FHA to drop the PMI factors by .50 basis points<\/strong> <\/span>which saved FHA borrowers a lot on their mortgage payment.\u00a0 Many have been hoping that FHA would drop the life of loan PMI cost because FHA recently surpassed the Mortgage Insurance balance threshold mandated by Congress.\u00a0 The bad news for buyers is that Ed Golding, who serves as head of the FHA, testified before a House Financial Services subcommittee on Thursday about the status of FHA&#8217;s PMI.<\/p>\n<h2>FHA PMI Announcement<\/h2>\n<p>According to a report by Compass Point Research\u00a0&amp; Trading, Golding &#8220;did not provide updated guidance regarding mortgage insurance premiums&#8221;, but &#8220;he did address the FHA&#8217;s life of loan premium policy, which requires to pay annual mortgage insurance premiums for the life of the loan.&#8221;<\/p>\n<p>Golding said &#8220;I am actually not considering changes to the life of loan policy&#8221;.\u00a0 There was some great\u00a0news coming from the meeting.\u00a0 The notes stated FHA has exceeded the\u00a0congressional mandated 2.0% threshold for minimum mortgage insurance levels.\u00a0 Plus it was achieved much earlier than expected.\u00a0 A healthy FHA means a continued, great financing option for buyers.\u00a0\u00a0These improvements to the program could be lower up-front or monthly PMI premiums.\u00a0\u00a0Maybe they will again address the life of loan requirement for qualifying FHA loans.<\/p>\n<h2>How FHA PMI is Calculated<\/h2>\n<p><a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\">FHA<\/a> has a monthly\u00a0PMI fee where the percentage varies depending on the\u00a0percentage of the price\/appraised value (whichever is less)\u00a0and the loan term. The\u00a0monthly amount of PMI\u00a0is recalculated each year based on the new balance of the mortgage and the PMI percentage.\u00a0 The length of time that <a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\">FHA<\/a> PMI stays on the loan varies depending on the loan term and LTV as shown below:<\/p>\n<ul>\n<li>Loans at 90% LTV or more will pay the annual PMI for the complete term<img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3132 size-full\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/02\/mortgage-rates6-300x300.jpg\" alt=\"FHA pmi rate\" width=\"300\" height=\"300\" \/><\/li>\n<li>Loans less than or equal to 90% LTV will pay the annual PMI for 11 years<\/li>\n<\/ul>\n<p><strong>Loan terms greater than 15 years &lt; $625,500: effective 1\/26\/15<\/strong><\/p>\n<ul>\n<li>&gt; 95% LTV =.85 PMI<\/li>\n<li>-&lt; 95% LTV =.80 PMI<\/li>\n<\/ul>\n<p><strong>Loan terms 15 years or less &lt; $625,500:\u00a0 <\/strong><\/p>\n<ul>\n<li>-&lt; 90% LTV =.45 PMI<\/li>\n<li>&gt; 90% LTV =.70 PMI<\/li>\n<\/ul>\n<p>While FHA is a great mortgage option for buyers, there are other options to consider as well.\u00a0 Check with our team of mortgage product experts to see if FHA or other products work for you!<\/p>\n<p><strong>Additional Resources:<\/strong><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/08\/29\/homebuyer-series-i-want-to-buy-a-home-in-a-year-or-less-knowing-your-financing-options\/\" target=\"_blank\" rel=\"noopener noreferrer\">&#8220;I want to buy a home in a year or less&#8221;, Knowing your low to no down payment options<\/a><\/strong><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><strong><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/10\/14\/another-creative-way-to-lower-a-monthly-mortgage-payment-calculators-be-ware\/\" target=\"_blank\" rel=\"noopener noreferrer\">Another creative way to lower a monthly payment. Calculators beware of lower payments!<\/a><\/strong><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><strong><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/22\/pmi-strategies-that-can-save-you-money-over-fha\/\" target=\"_blank\" rel=\"noopener noreferrer\">PMI Strategies that can potentially save over PMI<\/a><\/strong><\/span><\/li>\n<\/ul>\n<p>We hope you find this article helpful and we encourage you to reach out to our dedicated team of loan officers.\u00a0 Let us help you buy your next home!<\/p>\n<p>Follow our writer, <a href=\"http:\/\/activerain.com\/profile\/rdsmith\"><span style=\"color: #476657;\">Russell Smith<\/span><\/a>, on <a href=\"http:\/\/activerain.com\/\"><span style=\"color: #476657;\">ActiveRain<\/span><\/a>.\u00a0 ActiveRain is a site\u00a0that real estate professionals, buyers, and sellers may use to gain helpful knowledge.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>FHA PMI or MIP has been in the news in big ways over the last 3 years.\u00a0 There have been enhancements which helps buyers achieve home ownership easier.\u00a0 Plus the payments are more affordable. Recent Changes in FHA Costs The Federal Housing Administration decided in January 2013 to make FHA PMI for most borrowers continue [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3130,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,24,325,17,19],"tags":[25,26,27,28,657,29,658,502,659],"class_list":["post-3128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-fha","category-pmi","category-products","category-recent-changes","tag-fha","tag-fha-guidelines","tag-fha-home-loans","tag-fha-loan-calculator","tag-fha-loan-calculator-with-pmi","tag-fha-loan-requirements","tag-fha-mortgage-calculator-iwth-pmi-and-taxes","tag-fha-pmi","tag-fha-pmi-rate"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FHA PMI Rate Helps Buyers Purchase a Home With an Affordable Payment<\/title>\n<meta name=\"description\" content=\"FHA PMI allows buyers to have a low down payment plus low monthly payment.\u00a0 Learn how FHA PMI works and key PMI strategies for you\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FHA PMI Rate Helps Buyers Purchase a Home With an Affordable Payment\" \/>\n<meta property=\"og:description\" content=\"FHA PMI allows buyers to have a low down payment plus low monthly payment.\u00a0 Learn how FHA PMI works and key PMI strategies for you\" \/>\n<meta property=\"og:url\" content=\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Team Move Mortgage Blog\" \/>\n<meta property=\"article:published_time\" content=\"2016-02-22T13:30:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-13T22:33:29+00:00\" \/>\n<meta name=\"author\" content=\"Russell Smith\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Russell Smith\" \/>\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:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/\"},\"author\":{\"name\":\"Russell Smith\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#\/schema\/person\/fbcb9952207d77d752ba9074b82fad37\"},\"headline\":\"FHA PMI Life of Loan Decision Made\",\"datePublished\":\"2016-02-22T13:30:07+00:00\",\"dateModified\":\"2020-07-13T22:33:29+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/\"},\"wordCount\":548,\"publisher\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"FHA\",\"fha guidelines\",\"FHA home loans\",\"fha loan calculator\",\"fha loan calculator with pmi\",\"fha loan requirements\",\"fha mortgage calculator iwth pmi and taxes\",\"fha pmi\",\"fha pmi rate\"],\"articleSection\":[\"1st Time Buyers\",\"FHA\",\"PMI\",\"Products\",\"Recent Changes\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/\",\"url\":\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/\",\"name\":\"FHA PMI Rate Helps Buyers Purchase a Home With an Affordable Payment\",\"isPartOf\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2016-02-22T13:30:07+00:00\",\"dateModified\":\"2020-07-13T22:33:29+00:00\",\"description\":\"FHA PMI allows buyers to have a low down payment plus low monthly payment.\u00a0 Learn how FHA PMI works and key PMI strategies for you\",\"breadcrumb\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/teammovemortgage.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FHA PMI Life of Loan Decision Made\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#website\",\"url\":\"https:\/\/teammovemortgage.com\/blog\/\",\"name\":\"Team Move Mortgage Blog\",\"description\":\"Team Move Mortgage Blog and Resources\",\"publisher\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/teammovemortgage.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#organization\",\"name\":\"Team Move Mortgage Blog\",\"url\":\"https:\/\/teammovemortgage.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2026\/02\/team_move_logo-1.png\",\"contentUrl\":\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2026\/02\/team_move_logo-1.png\",\"width\":317,\"height\":86,\"caption\":\"Team Move Mortgage Blog\"},\"image\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#\/schema\/person\/fbcb9952207d77d752ba9074b82fad37\",\"name\":\"Russell Smith\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/b9cf1b757a19f9e1f5cb92936b94ade3f42fa9c7b0a26278141331f05509b596?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/b9cf1b757a19f9e1f5cb92936b94ade3f42fa9c7b0a26278141331f05509b596?s=96&d=mm&r=g\",\"caption\":\"Russell Smith\"},\"sameAs\":[\"https:\/\/teammovemortgage.com\"],\"url\":\"https:\/\/teammovemortgage.com\/blog\/author\/russellsmith\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FHA PMI Rate Helps Buyers Purchase a Home With an Affordable Payment","description":"FHA PMI allows buyers to have a low down payment plus low monthly payment.\u00a0 Learn how FHA PMI works and key PMI strategies for you","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:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/","og_locale":"en_US","og_type":"article","og_title":"FHA PMI Rate Helps Buyers Purchase a Home With an Affordable Payment","og_description":"FHA PMI allows buyers to have a low down payment plus low monthly payment.\u00a0 Learn how FHA PMI works and key PMI strategies for you","og_url":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/","og_site_name":"Team Move Mortgage Blog","article_published_time":"2016-02-22T13:30:07+00:00","article_modified_time":"2020-07-13T22:33:29+00:00","author":"Russell Smith","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Russell Smith","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#article","isPartOf":{"@id":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/"},"author":{"name":"Russell Smith","@id":"https:\/\/teammovemortgage.com\/blog\/#\/schema\/person\/fbcb9952207d77d752ba9074b82fad37"},"headline":"FHA PMI Life of Loan Decision Made","datePublished":"2016-02-22T13:30:07+00:00","dateModified":"2020-07-13T22:33:29+00:00","mainEntityOfPage":{"@id":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/"},"wordCount":548,"publisher":{"@id":"https:\/\/teammovemortgage.com\/blog\/#organization"},"image":{"@id":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#primaryimage"},"thumbnailUrl":"","keywords":["FHA","fha guidelines","FHA home loans","fha loan calculator","fha loan calculator with pmi","fha loan requirements","fha mortgage calculator iwth pmi and taxes","fha pmi","fha pmi rate"],"articleSection":["1st Time Buyers","FHA","PMI","Products","Recent Changes"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/","url":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/","name":"FHA PMI Rate Helps Buyers Purchase a Home With an Affordable Payment","isPartOf":{"@id":"https:\/\/teammovemortgage.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#primaryimage"},"image":{"@id":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#primaryimage"},"thumbnailUrl":"","datePublished":"2016-02-22T13:30:07+00:00","dateModified":"2020-07-13T22:33:29+00:00","description":"FHA PMI allows buyers to have a low down payment plus low monthly payment.\u00a0 Learn how FHA PMI works and key PMI strategies for you","breadcrumb":{"@id":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/teammovemortgage.com\/blog\/fha-pmi-2\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/teammovemortgage.com\/blog\/"},{"@type":"ListItem","position":2,"name":"FHA PMI Life of Loan Decision Made"}]},{"@type":"WebSite","@id":"https:\/\/teammovemortgage.com\/blog\/#website","url":"https:\/\/teammovemortgage.com\/blog\/","name":"Team Move Mortgage Blog","description":"Team Move Mortgage Blog and Resources","publisher":{"@id":"https:\/\/teammovemortgage.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/teammovemortgage.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/teammovemortgage.com\/blog\/#organization","name":"Team Move Mortgage Blog","url":"https:\/\/teammovemortgage.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/teammovemortgage.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2026\/02\/team_move_logo-1.png","contentUrl":"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2026\/02\/team_move_logo-1.png","width":317,"height":86,"caption":"Team Move Mortgage Blog"},"image":{"@id":"https:\/\/teammovemortgage.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/teammovemortgage.com\/blog\/#\/schema\/person\/fbcb9952207d77d752ba9074b82fad37","name":"Russell Smith","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/teammovemortgage.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/b9cf1b757a19f9e1f5cb92936b94ade3f42fa9c7b0a26278141331f05509b596?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b9cf1b757a19f9e1f5cb92936b94ade3f42fa9c7b0a26278141331f05509b596?s=96&d=mm&r=g","caption":"Russell Smith"},"sameAs":["https:\/\/teammovemortgage.com"],"url":"https:\/\/teammovemortgage.com\/blog\/author\/russellsmith\/"}]}},"_links":{"self":[{"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/posts\/3128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/comments?post=3128"}],"version-history":[{"count":1,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/posts\/3128\/revisions"}],"predecessor-version":[{"id":9434,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/posts\/3128\/revisions\/9434"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/media?parent=3128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/categories?post=3128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/tags?post=3128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}