{"id":3517,"date":"2016-04-30T14:40:16","date_gmt":"2016-04-30T14:40:16","guid":{"rendered":"http:\/\/teammovemortgage.com\/?p=3517"},"modified":"2020-07-13T22:33:16","modified_gmt":"2020-07-13T22:33:16","slug":"2016-2017-usda-funding-fee","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/","title":{"rendered":"USDA Funding Fee &#038; Annual Fee Decreases Mean Low Payments"},"content":{"rendered":"<h1>USDA Funding Fee for 2016-2017 Announced<img loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-3519 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/04\/usda-100-financing-to-qualified-buyers-300x100.jpg\" alt=\"2016-2017 USDA Funding Fee and Annual Fee Decreases\" width=\"300\" height=\"100\" \/><\/h1>\n<h2>Huge Decrease in the 2016-2017 USDA Funding Fee &amp; Annual Fee!<\/h2>\n<p>The USDA Funding Fee is a key part of the USDA home loan program and basically pays for the program.\u00a0\u00a0First, <a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a> mortgage loans are so popular (especially in NC, SC, and Virginia) because\u00a0it allows homebuyers to purchase\u00a0with no money down.\u00a0\u00a0Additionally, USDA loans provide a fixed 30 year payment.\u00a0 Now USDA just got better!!\u00a0 The 2016-2017 USDA Funding Fee is decreasing dramatically\u00a0and even\u00a0the Annual Fee is decreasing as well.\u00a0 Because foreclosure and delinquency rates have fallen to historic lows, USDA\u00a0could afford this reduction.\u00a0 Less risk means less costs.\u00a0 USDA Rural Housing Service Administrator Tony Hernandez said &#8220;When our borrowers succeed, the program succeeds.\u00a0 Excellent overall performance in our single-family housing guaranteed loan program means we can charge less for the life changing opportunity to own a home.&#8221;<\/p>\n<h2>USDA Funding Fee Decreases to Help Homebuyers<\/h2>\n<p><strong>The USDA National Office just announced\u00a0on April 28th that effective with guaranteed loan obligations on<img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-3520 size-medium\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2016\/04\/arrow-showing-decline-300x188.jpg\" alt=\"2016-2017 USDA Funding Fee and Annual Fee Decreases\" width=\"300\" height=\"188\" \/> or after October 1, 2016 through September 30, 2017, the up-front <a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a> guarantee fee is\u00a0DECREASING significantly\u00a0from 2.75% to only 1%<\/strong>.<\/p>\n<p>This <a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a> up-front fee\u00a0is financed on top of the base loan size just as it is done for <a href=\"http:\/\/teammovemortgage.com\/va-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">VA<\/span><\/a> and <a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA<\/span><\/a> loans so\u00a0the change\u00a0does not require the buyer to bring\u00a0less money to closing.\u00a0 But this change will make\u00a0a borrower&#8217;s\u00a0payment a few dollars\u00a0lower per month and the amount\u00a0borrowed will be\u00a0less.\u00a0\u00a0<span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/22\/when-does-pmi-stop-on-fha-usda-and-conventional-mortgage-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\">Learn how the USDA Annual Fee is a little different from traditional PMI here<\/a><\/span>.<\/p>\n<p>The Up-Front <a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a> guarantee fee\u00a0decrease\u00a0will also apply to <a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/01\/25\/usda-rural-development-mortgage-loan-pilot-streamline-refinance-available-without-appraisal\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA Streamline or Pilot Refinances<\/span><\/a>.\u00a0 A streamline refinance allows homeowners with a current USDA mortgage to potentially lower their monthly payment.\u00a0\u00a0In addition, this streamline refinance doesn&#8217;t even require an appraisal!<\/p>\n<h2>USDA Annual Fee Decreases to Lower Monthly Housing Payments<\/h2>\n<p>Most are familiar with mortgages having a form of mortgage insurance when putting down less than 20%.\u00a0\u00a0USDA&#8217;s\u00a0form of PMI is called\u00a0an annual fee.\u00a0\u00a0It is called an annual fee because it is based on the\u00a0mortgage balance\u00a0at each annual anniversary.\u00a0\u00a0\u00a0First it is calculated by multiplying the Annual Fee Factor times the current balance.\u00a0 Then, it is divided by 12 to come up with the monthly figure to include in the escrow part of the mortgage payment.\u00a0 Finally, there is the big news!\u00a0 The Annual Fee for the Fiscal Year 2017 will reduce from .50% to .35%.\u00a0 This gives\u00a0another benefit to buyers using <a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\"><strong>USDA<\/strong><\/span><\/a> as their financing option.<\/p>\n<h2>Official Fiscal Year 2017 USDA Announcement<\/h2>\n<p>The full official <a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\"><strong>USDA Rural Development<\/strong><\/span><\/a> unnumbered letter\u00a0dated\u00a04\/28\/16, can be <strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/content.govdelivery.com\/attachments\/topic_files\/USDARD\/USDARD_427\/2016\/04\/28\/file_attachments\/541287\/Upfront%2BGuarantee%2BFee%2Bfor%2BFiscal%2BYear%2B2017__541287.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">read here<\/a><\/span><\/strong> .\u00a0\u00a0USDA loans must go through all required steps.\u00a0 First, the mortgage lender\u00a0fully\u00a0underwrites the file.\u00a0 Second, <a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a> reviews and approves a complete loan package.\u00a0 Finally,\u00a0<a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a> issues form RD 3555-18 which is the &#8220;Conditional Commitment for Single Family Housing Loan Guarantee&#8221; to the lender.<\/p>\n<p>[av_button_big label=&#8217;Learn How USDA Can Help You&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/usda\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;]<br \/>\nBuyers, Sellers, Realtors, &amp; Builders can take advantage<br \/>\n[\/av_button_big]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>USDA Funding Fee for 2016-2017 Announced Huge Decrease in the 2016-2017 USDA Funding Fee &amp; Annual Fee! The USDA Funding Fee is a key part of the USDA home loan program and basically pays for the program.\u00a0\u00a0First, USDA mortgage loans are so popular (especially in NC, SC, and Virginia) because\u00a0it allows homebuyers to purchase\u00a0with no [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":3520,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,33,17,41],"tags":[711,712,713,714,715],"class_list":["post-3517","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-frequently-asked-questions","category-products","category-usda","tag-2017-usda-announcement","tag-no-money-down-purchase","tag-usda-annual-fee","tag-usda-funding-fee","tag-usda-funding-fee-decrease"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>USDA Funding Fee &amp; Annual Fee for 2016-2017\u00a0Decreases<\/title>\n<meta name=\"description\" content=\"USDA announces that the 2016-2017 USDA Funding Fee and Annual Fee is decreasing dramatically to help buyers lower their payment &amp; mortgage balance\" \/>\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\/2016-2017-usda-funding-fee\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"USDA Funding Fee &amp; Annual Fee for 2016-2017\u00a0Decreases\" \/>\n<meta property=\"og:description\" content=\"USDA announces that the 2016-2017 USDA Funding Fee and Annual Fee is decreasing dramatically to help buyers lower their payment &amp; mortgage balance\" \/>\n<meta property=\"og:url\" content=\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/\" \/>\n<meta property=\"og:site_name\" content=\"Team Move Mortgage Blog\" \/>\n<meta property=\"article:published_time\" content=\"2016-04-30T14:40:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-07-13T22:33:16+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\/2016-2017-usda-funding-fee\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/\"},\"author\":{\"name\":\"Russell Smith\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#\/schema\/person\/fbcb9952207d77d752ba9074b82fad37\"},\"headline\":\"USDA Funding Fee &#038; Annual Fee Decreases Mean Low Payments\",\"datePublished\":\"2016-04-30T14:40:16+00:00\",\"dateModified\":\"2020-07-13T22:33:16+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/\"},\"wordCount\":546,\"publisher\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#primaryimage\"},\"thumbnailUrl\":\"\",\"keywords\":[\"2017 USDA announcement\",\"No money down purchase\",\"USDA annual fee\",\"USDA funding fee\",\"USDA funding fee decrease\"],\"articleSection\":[\"1st Time Buyers\",\"Frequently Asked Questions\",\"Products\",\"USDA\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/\",\"url\":\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/\",\"name\":\"USDA Funding Fee & Annual Fee for 2016-2017\u00a0Decreases\",\"isPartOf\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#primaryimage\"},\"thumbnailUrl\":\"\",\"datePublished\":\"2016-04-30T14:40:16+00:00\",\"dateModified\":\"2020-07-13T22:33:16+00:00\",\"description\":\"USDA announces that the 2016-2017 USDA Funding Fee and Annual Fee is decreasing dramatically to help buyers lower their payment & mortgage balance\",\"breadcrumb\":{\"@id\":\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#primaryimage\",\"url\":\"\",\"contentUrl\":\"\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/teammovemortgage.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"USDA Funding Fee &#038; Annual Fee Decreases Mean Low Payments\"}]},{\"@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":"USDA Funding Fee & Annual Fee for 2016-2017\u00a0Decreases","description":"USDA announces that the 2016-2017 USDA Funding Fee and Annual Fee is decreasing dramatically to help buyers lower their payment & mortgage balance","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\/2016-2017-usda-funding-fee\/","og_locale":"en_US","og_type":"article","og_title":"USDA Funding Fee & Annual Fee for 2016-2017\u00a0Decreases","og_description":"USDA announces that the 2016-2017 USDA Funding Fee and Annual Fee is decreasing dramatically to help buyers lower their payment & mortgage balance","og_url":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/","og_site_name":"Team Move Mortgage Blog","article_published_time":"2016-04-30T14:40:16+00:00","article_modified_time":"2020-07-13T22:33:16+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\/2016-2017-usda-funding-fee\/#article","isPartOf":{"@id":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/"},"author":{"name":"Russell Smith","@id":"https:\/\/teammovemortgage.com\/blog\/#\/schema\/person\/fbcb9952207d77d752ba9074b82fad37"},"headline":"USDA Funding Fee &#038; Annual Fee Decreases Mean Low Payments","datePublished":"2016-04-30T14:40:16+00:00","dateModified":"2020-07-13T22:33:16+00:00","mainEntityOfPage":{"@id":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/"},"wordCount":546,"publisher":{"@id":"https:\/\/teammovemortgage.com\/blog\/#organization"},"image":{"@id":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#primaryimage"},"thumbnailUrl":"","keywords":["2017 USDA announcement","No money down purchase","USDA annual fee","USDA funding fee","USDA funding fee decrease"],"articleSection":["1st Time Buyers","Frequently Asked Questions","Products","USDA"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/","url":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/","name":"USDA Funding Fee & Annual Fee for 2016-2017\u00a0Decreases","isPartOf":{"@id":"https:\/\/teammovemortgage.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#primaryimage"},"image":{"@id":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#primaryimage"},"thumbnailUrl":"","datePublished":"2016-04-30T14:40:16+00:00","dateModified":"2020-07-13T22:33:16+00:00","description":"USDA announces that the 2016-2017 USDA Funding Fee and Annual Fee is decreasing dramatically to help buyers lower their payment & mortgage balance","breadcrumb":{"@id":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#primaryimage","url":"","contentUrl":""},{"@type":"BreadcrumbList","@id":"https:\/\/teammovemortgage.com\/blog\/2016-2017-usda-funding-fee\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/teammovemortgage.com\/blog\/"},{"@type":"ListItem","position":2,"name":"USDA Funding Fee &#038; Annual Fee Decreases Mean Low Payments"}]},{"@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\/3517","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=3517"}],"version-history":[{"count":1,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/posts\/3517\/revisions"}],"predecessor-version":[{"id":9418,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/posts\/3517\/revisions\/9418"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/"}],"wp:attachment":[{"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/media?parent=3517"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/categories?post=3517"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/teammovemortgage.com\/blog\/wp-json\/wp\/v2\/tags?post=3517"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}