{"version":"1.0","type":"card","id":"990e6472-98e5-443f-87e7-176f0a652278","url":"https://stacklist.com/card/990e6472-98e5-443f-87e7-176f0a652278","title":"Step-by-Step Guide to Buying Your First Home — Bankrate","source_url":"https://www.bankrate.com/mortgages/first-time-homebuyer-guide/","note":"One of the most trusted resources out there for understanding the homebuying process from start to finish — mortgages, pre-approval, negotiations, and closing. Clear, practical, and free. \n","image":{"url":"https://ucarecdn.com/502fa757-7b40-48a0-835d-6a790cbbb7b1/","alt":"Step-by-Step Guide to Buying Your First Home — Bankrate","width":1200,"height":630},"stack":{"id":"928df34e-8f6b-49eb-8ac1-9f7964cfa061","title":"First-Time Homebuyer Guide for Florida","url":"https://stacklist.com/c/business/stack/928df34e-8f6b-49eb-8ac1-9f7964cfa061"},"created_at":"2026-05-13T08:13:52.220Z","updated_at":null,"aco":{"summary":"First-time homebuyer guide provides comprehensive tips and resources for purchasing a home, covering financial assessment, credit requirements, down payment options, and various mortgage types. The guide explains key concepts like debt-to-income ratios, closing costs, and how to determine affordability for prospective homebuyers.","tags":["first-time-homebuyer","mortgage","down-payment","credit-score","home-buying-guide","financial-planning","real-estate"],"key_entities":[{"name":"Bankrate","type":"organization","confidence":0.95},{"name":"IRS","type":"organization","confidence":0.95},{"name":"Mae Sangaline","type":"person","confidence":0.85},{"name":"GettyImages","type":"technology","confidence":0.9},{"name":"private-mortgage-insurance","type":"concept","confidence":0.95},{"name":"debt-to-income-ratio","type":"concept","confidence":0.95},{"name":"FHA-loan","type":"concept","confidence":0.9},{"name":"VA-loan","type":"concept","confidence":0.9},{"name":"USDA-loan","type":"concept","confidence":0.9}],"classification":"tutorial","language":"en","confidence":0.85,"provenance":{"model":"claude-haiku-4-5","tool":"@stacklist/be@0.1.0","confidence":0.85,"timestamp":"2026-05-13T08:13:57.896Z"},"token_counts":{"approximate":5713,"cl100k":4722},"content_hash":"sha256:51c3b83caf039330b8dc23e75bbe4d361d1bfa254e81fc1ece13d44d63bf13c4","acp_version":"0.2","body_available":true,"body_tokens":5713,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/990e6472-98e5-443f-87e7-176f0a652278.json","html":"https://stacklist.com/card/990e6472-98e5-443f-87e7-176f0a652278","md":"/api/public/card/990e6472-98e5-443f-87e7-176f0a652278.md","stack_json":"/api/public/stack/928df34e-8f6b-49eb-8ac1-9f7964cfa061.json"}}