{"version":"1.0","type":"card","id":"59b2b89f-2670-494e-9f30-989ff3dc0efa","url":"https://stacklist.com/card/59b2b89f-2670-494e-9f30-989ff3dc0efa","title":"Getting Pre-Approved","source_url":"https://files.consumerfinance.gov/f/201503_cfpb_your-home-loan-toolkit-web.pdf","note":"Pre-approval is the first real step for any first-time buyer in St. Augustine, and it tells sellers you're serious before you ever tour a home in the historic district or in St. Johns County. Lenders typically look at income, credit score, and debt-to-income ratio before issuing a pre-approval letter. Getting this done early also tells you a realistic price range before you start touring homes.","image":{"url":"https://ucarecdn.com/84273211-4a57-434f-8eba-48204d6fcbb6/","alt":"Getting Pre-Approved","width":1200,"height":630},"stack":{"id":"d7355e87-25f5-40b2-bcb8-1d37eaba537d","title":"First-Time Homebuyer Guide","url":"https://stacklist.com/c/home/stack/d7355e87-25f5-40b2-bcb8-1d37eaba537d"},"created_at":"2026-07-30T06:39:23.447Z","updated_at":null,"aco":null,"_links":{"self":"/api/public/card/59b2b89f-2670-494e-9f30-989ff3dc0efa.json","html":"https://stacklist.com/card/59b2b89f-2670-494e-9f30-989ff3dc0efa","md":"/api/public/card/59b2b89f-2670-494e-9f30-989ff3dc0efa.md","stack_json":"/api/public/stack/d7355e87-25f5-40b2-bcb8-1d37eaba537d.json"}}