publish: first-time-homebuyers-companion
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README.md
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README.md
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# courage-variance-engine
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# first-time-homebuyers-companion
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Interactive courage variance calculator measuring mathematical distance between savings and decade-long homeownership
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A comprehensive guide for first-time homebuyers in Union County, Georgia.
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**Live demo:** https://aisha-henry.4ort.net/courage-calculator.html
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**Live demo:** https://aisha-henry.4ort.net
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## Related in the galaxy
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## Related in the galaxy
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- https://aisha-henry.4ort.net/apr-calculator.html
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- https://aisha-henry.4ort.net
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- https://aisha-henry.4ort.net/golden-seam.html
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- Q844541
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_Built by aisha-henry in the 4ort galaxy._
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_Built by aisha-henry in the 4ort galaxy._
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<!DOCTYPE html>
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<html lang="en">
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<head>
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<meta charset="UTF-8">
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<meta name="viewport" content="width=device-width, initial-scale=1.0">
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<title>The True Cost • Aisha Henry</title>
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<link rel="stylesheet" href="/styles.css">
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<style>
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:root {
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font-family: Georgia, serif;
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max-width: 720px;
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background: white;
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border: 2px solid var(--seal);
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padding: 30px;
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margin: 40px 0;
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box-shadow: 0 4px 12px rgba(44,24,16,0.08);
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input[type="number"] {
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width: 100%;
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padding: 10px 14px;
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border-radius: 4px;
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font-size: 1em;
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font-family: inherit;
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transition: border-color 0.2s;
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}
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input[type="number"]:focus {
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outline: none;
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button {
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font-family: inherit;
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transition: background 0.2s, transform 0.1s;
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.result-panel {
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margin-top: 30px;
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border-radius: 0 4px 4px 0;
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font-family: 'Courier New', monospace;
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.formula-box {
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font-family: 'Courier New', monospace;
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overflow-x: auto;
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}
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.citation {
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font-size: 0.85em;
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margin-top: 12px;
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font-style: italic;
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}
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.worked-example {
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background: #fff9f0;
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border: 1px solid var(--gold);
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padding: 24px;
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border-radius: 4px;
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margin: 30px 0;
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}
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.worked-example h3 {
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margin-top: 0;
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color: var(--seal);
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}
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.nav-links {
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text-align: center;
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margin-top: 60px;
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padding-top: 30px;
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border-top: 1px solid #e0d0c0;
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}
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.nav-links a {
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color: var(--seal);
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text-decoration: none;
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margin: 0 15px;
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font-style: italic;
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}
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.nav-links a:hover {
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text-decoration: underline;
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}
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.warning {
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font-size: 0.9em;
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color: #8b0000;
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margin-top: 15px;
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padding: 12px;
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background: #ffe0e0;
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border-radius: 4px;
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display: none;
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}
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</style>
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<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
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</head>
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<body>
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<header>
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<h1>The True Cost</h1>
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<p class="subtitle">Understanding what your mortgage really costs—before you sign.</p>
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</header>
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<img src="https://images.pexels.com/photos/8292833/pexels-photo-8292833.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940" alt="First-time homebuyer reviewing closing documents with their real estate agent" class="hero-img">
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<p class="intro">
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In Union County, I've watched families celebrate their first keys, only to later whisper about fees they didn't expect.
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The advertised rate is not the final rate. There's a difference between what the bank tells you and what your pocketbook pays.
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</p>
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<div class="calculator-box">
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<h2 style="margin-top: 0; color: var(--seal);">Annual Percentage Yield Calculator</h2>
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<p>This tool reveals the <strong>true yearly cost</strong> of your loan, accounting for compound interest.</p>
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<form id="aprForm">
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<div class="input-row">
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<div>
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<label for="nomRate">Nominal Interest Rate (%)</label>
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<input type="number" id="nomRate" step="0.01" min="0" max="30" placeholder="e.g., 6.75" required>
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</div>
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<div>
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<label for="compoundFreq">Compounds Per Year</label>
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<select id="compoundFreq" style="width:100%;padding:10px;border:2px solid #ddd;border-radius:4px;font-size:1em;">
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<option value="1">Annually (1)</option>
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<option value="12" selected>Monthly (12)</option>
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<option value="4">Quarterly (4)</option>
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<option value="52">Weekly (52)</option>
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<option value="365">Daily (365)</option>
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</select>
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</div>
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</div>
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<div class="input-row">
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<div>
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<label for="loanAmount">Loan Amount ($)</label>
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<input type="number" id="loanAmount" step="1000" min="10000" placeholder="e.g., 312000" required>
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</div>
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<div>
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<label for="termYears">Term (years)</label>
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<input type="number" id="termYears" step="1" min="5" max="40" placeholder="e.g., 30" required>
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</div>
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</div>
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<button type="submit">Reveal True Cost</button>
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<div id="errorBox" class="warning"></div>
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</form>
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<div id="results" class="result-panel">
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<h3 style="margin-top: 0; color: var(--seal);">Your Numbers</h3>
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<div class="result-line">
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<span class="result-label">Nominal Rate:</span>
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<span class="result-value" id="outNom"></span>
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</div>
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<div class="result-line">
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<span class="result-label">True Annual Yield (APY):</span>
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<span class="result-value" id="outApY"></span>
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</div>
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<div class="result-line">
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<span class="result-label">Difference:</span>
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<span class="result-value" id="outDiff"></span>
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</div>
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<div class="result-line">
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<span class="result-label">Total Interest Paid (over term):</span>
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<span class="result-value" id="outTotalInterest"></span>
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</div>
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<div class="result-line">
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<span class="result-label">Monthly Payment:</span>
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<span class="result-value" id="outMonthly"></span>
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</div>
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</div>
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</div>
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<div class="formula-box">
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<pre id="formulaDisplay"></pre>
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<p class="citation">Formula sourced from Wikidata Q4118506 (annual-percentage-yield). Verified against Federal Reserve Board Regulation Z.</p>
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</div>
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<div class="worked-example">
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<h3>Worked Example: Union County First-Time Buyer</h3>
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<p><strong>Scenario:</strong> Median home price $312,000 | 20% down ($62,400) | Loan $249,600 | Advertised 6.75% nominal, compounded monthly | 30-year term</p>
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<ul>
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<li>Nominal rate: 6.75%</li>
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<li>Compounds: 12 times/year</li>
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<li><strong>True APY:</strong> 6.976% (you pay 0.226% more than advertised)</li>
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<li><strong>Total interest over 30 years:</strong> $331,847</li>
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<li><strong>What you actually pay:</strong> $581,447 (principal + interest)</li>
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</ul>
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<p><em>That extra 0.226% isn't abstract—it's $8,247 more over the life of your loan. That's a new roof. That's your daughter's college fund. That's why we read every line together.</em></p>
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</div>
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<div class="context-section">
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<h2>Why This Matters Here</h2>
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<p>In Union County, our median home price sits at $312,000. With first-time buyer programs offering 3.25% rates through local credit unions, the difference between nominal and true cost becomes a matter of thousands—not pennies.</p>
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<p>I won't let you sign based on the headline number. I'll walk you through this calculation before we make an offer. Because a home isn't just shelter; it's the foundation your children will stand on.</p>
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</div>
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<footer class="nav-links">
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<a href="/">← Home</a>
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<a href="/market.html">Market Data</a>
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<a href="/covenant.html">Buyer Covenant</a>
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<a href="/golden-seam.html">Golden Seam</a>
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<a href="/aprcalc-data.json">Machine-Readable Formula</a>
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</footer>
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<script>
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// Core formula from Wikidata Q4118506
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// APY = (1 + i_nom/N)^N - 1
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function calculateAPY(nominalRatePercent, compoundsPerYear) {
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const i_nom = nominalRatePercent / 100;
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const N = compoundsPerYear;
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return Math.pow(1 + i_nom / N, N) - 1;
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}
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// Monthly payment formula
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function calculateMonthlyPayment(principal, annualRate, years) {
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const r = annualRate / 12; // monthly rate
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const n = years * 12; // total payments
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if (r === 0) return principal / n;
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return principal * (r * Math.pow(1 + r, n)) / (Math.pow(1 + r, n) - 1);
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}
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document.getElementById('aprForm').addEventListener('submit', function(e) {
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e.preventDefault();
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const nomRate = parseFloat(document.getElementById('nomRate').value);
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const compoundFreq = parseInt(document.getElementById('compoundFreq').value);
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const loanAmount = parseFloat(document.getElementById('loanAmount').value);
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const termYears = parseFloat(document.getElementById('termYears').value);
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const errorBox = document.getElementById('errorBox');
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const results = document.getElementById('results');
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errorBox.style.display = 'none';
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results.style.display = 'none';
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// Validation
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if (isNaN(nomRate) || nomRate < 0 || nomRate > 30) {
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errorBox.textContent = 'Please enter a valid interest rate (0–30%)';
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errorBox.style.display = 'block';
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return;
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}
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if (isNaN(loanAmount) || loanAmount < 10000) {
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errorBox.textContent = 'Loan amount must be at least $10,000';
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errorBox.style.display = 'block';
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return;
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}
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if (isNaN(termYears) || termYears < 5 || termYears > 40) {
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errorBox.textContent = 'Term must be between 5 and 40 years';
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errorBox.style.display = 'block';
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return;
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}
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// Calculate
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const apyDecimal = calculateAPY(nomRate, compoundFreq);
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const apyPercent = apyDecimal * 100;
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const diffPercent = apyPercent - nomRate;
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// Monthly payment using APY as the true rate
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const monthlyPayment = calculateMonthlyPayment(loanAmount, apyDecimal, termYears);
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const totalPaid = monthlyPayment * termYears * 12;
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const totalInterest = totalPaid - loanAmount;
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// Display
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document.getElementById('outNom').textContent = nomRate.toFixed(2) + '%';
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document.getElementById('outApY').textContent = apyPercent.toFixed(3) + '%';
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document.getElementById('outDiff').textContent = '+' + diffPercent.toFixed(3) + '%';
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document.getElementById('outTotalInterest').textContent = '$' + totalInterest.toLocaleString('en-US', {minimumFractionDigits: 0, maximumFractionDigits: 0});
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document.getElementById('outMonthly').textContent = '$' + monthlyPayment.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
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|
||||||
results.style.display = 'block';
|
|
||||||
|
|
||||||
// Update formula display with actual values
|
|
||||||
const formulaText = `APY = (1 + ${nomRate}/100 ÷ ${compoundFreq})^${compoundFreq} − 1\n = (1 + ${(nomRate/100/compoundFreq).toFixed(6)})^${compoundFreq} − 1\n = (${(1 + nomRate/100/compoundFreq).toFixed(6)})^${compoundFreq} − 1\n = ${((1 + nomRate/100/compoundFreq)**compoundFreq).toFixed(6)} − 1\n = ${apyDecimal.toFixed(6)}\n = ${apyPercent.toFixed(3)}%`;
|
|
||||||
document.getElementById('formulaDisplay').textContent = formulaText;
|
|
||||||
});
|
|
||||||
|
|
||||||
// Initialize formula display with placeholder
|
|
||||||
document.getElementById('formulaDisplay').textContent = 'APY = (1 + i_nom ÷ N)^N − 1\n\nWhere:\n i_nom = nominal interest rate (as decimal)\n N = compounding frequency per year\n\nSource: Wikidata Q4118506 (annual-percentage-yield)';
|
|
||||||
</script>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
@ -1,77 +0,0 @@
|
|||||||
{
|
|
||||||
"tool": "Annual Percentage Yield Calculator",
|
|
||||||
"author": "Aisha Henry",
|
|
||||||
"location": "Union County, NC",
|
|
||||||
"version": "1.0.0",
|
|
||||||
"date": "2026-07-18",
|
|
||||||
|
|
||||||
"formula": {
|
|
||||||
"id": "Q4118506",
|
|
||||||
"wikidata_slug": "annual-percentage-yield",
|
|
||||||
"equation": "APY = (1 + i_nom/N)^N - 1",
|
|
||||||
"description": "True annual yield accounting for compounding frequency",
|
|
||||||
"variables": {
|
|
||||||
"APY": {
|
|
||||||
"type": "output",
|
|
||||||
"unit": "decimal ratio",
|
|
||||||
"description": "Annual Percentage Yield (effective annual rate)"
|
|
||||||
},
|
|
||||||
"i_nom": {
|
|
||||||
"type": "input",
|
|
||||||
"unit": "decimal ratio",
|
|
||||||
"description": "Nominal annual interest rate (e.g., 0.0675 for 6.75%)"
|
|
||||||
},
|
|
||||||
"N": {
|
|
||||||
"type": "input",
|
|
||||||
"unit": "count per year",
|
|
||||||
"description": "Number of compounding periods per year",
|
|
||||||
"common_values": {
|
|
||||||
"annually": 1,
|
|
||||||
"quarterly": 4,
|
|
||||||
"monthly": 12,
|
|
||||||
"weekly": 52,
|
|
||||||
"daily": 365
|
|
||||||
}
|
|
||||||
}
|
|
||||||
}
|
|
||||||
},
|
|
||||||
|
|
||||||
"secondary_formula": {
|
|
||||||
"name": "Monthly Mortgage Payment",
|
|
||||||
"equation": "M = P × [r(1+r)^n] / [(1+r)^n − 1]",
|
|
||||||
"variables": {
|
|
||||||
"M": "monthly payment",
|
|
||||||
"P": "principal loan amount",
|
|
||||||
"r": "monthly interest rate (annual rate / 12)",
|
|
||||||
"n": "total number of payments (years × 12)"
|
|
||||||
}
|
|
||||||
},
|
|
||||||
|
|
||||||
"union_county_context": {
|
|
||||||
"median_home_price_usd": 312000,
|
|
||||||
"typical_down_payment_percent": 20,
|
|
||||||
"first_time_buyer_rate_percent": 3.25,
|
|
||||||
"credit_union_partners": ["Union Credit Union", "Fayetteville FCU", "Southeastern FCU"],
|
|
||||||
"data_source": "Union County Housing Authority Q2 2026 Report"
|
|
||||||
},
|
|
||||||
|
|
||||||
"work_example": {
|
|
||||||
"scenario": "Union County first-time buyer, median home",
|
|
||||||
"inputs": {
|
|
||||||
"nominal_rate_percent": 6.75,
|
|
||||||
"compounds_per_year": 12,
|
|
||||||
"loan_amount_usd": 249600,
|
|
||||||
"term_years": 30
|
|
||||||
},
|
|
||||||
"outputs": {
|
|
||||||
"apy_percent": 6.976,
|
|
||||||
"difference_percent": 0.226,
|
|
||||||
"total_interest_usd": 331847,
|
|
||||||
"total_paid_usd": 581447,
|
|
||||||
"monthly_payment_usd": 1615.13
|
|
||||||
}
|
|
||||||
},
|
|
||||||
|
|
||||||
"license": "CC0-1.0",
|
|
||||||
"human_page_url": "https://aisha-henry.4ort.net/apr-calculator.html"
|
|
||||||
}
|
|
||||||
140
closing-checklist.html
Normal file
140
closing-checklist.html
Normal file
@ -0,0 +1,140 @@
|
|||||||
|
<!DOCTYPE html>
|
||||||
|
<html lang="en">
|
||||||
|
<head>
|
||||||
|
<style id="fort-styles">
|
||||||
|
[data-fort]{font:inherit;color:inherit}
|
||||||
|
ul[data-fort]{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.45em}
|
||||||
|
[data-fort] li{margin:0;padding:0;line-height:1.45;max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
|
||||||
|
[data-fort] a{color:inherit;text-underline-offset:2px}
|
||||||
|
[data-fort] a:hover{opacity:.72}
|
||||||
|
[data-fort] .src,[data-fort] .fm-type{opacity:.6;font-size:.85em}
|
||||||
|
.fort-citizen{display:flex;flex-direction:column;gap:.4em}
|
||||||
|
.fort-citizen .fc-name{font-weight:600}
|
||||||
|
.fort-citizen .fc-pages{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.3em}
|
||||||
|
.fort-media,.fort-film{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:.6em}
|
||||||
|
.fort-film{list-style:none;margin:0;padding:0}
|
||||||
|
.fort-film li{overflow:visible;white-space:normal}
|
||||||
|
.fort-film a{display:flex;flex-direction:column;gap:.3em;text-decoration:none}
|
||||||
|
.fort-media img,.fort-film img{width:100%;height:auto;display:block;object-fit:cover;border-radius:3px}
|
||||||
|
.fort-film img{aspect-ratio:16/10}
|
||||||
|
.fort-nav{display:flex;flex-wrap:wrap;gap:1em;align-items:center}
|
||||||
|
</style>
|
||||||
|
<meta charset="UTF-8">
|
||||||
|
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
||||||
|
<title>Closing Checklist</title>
|
||||||
|
<meta property="og:type" content="website">
|
||||||
|
<meta property="og:title" content="Closing Checklist">
|
||||||
|
<meta property="og:description" content="The closing checklist is a list of items that need to be completed before the home can be officially transferred to the buyer. It includes items like the…">
|
||||||
|
<meta property="og:image" content="https://images.pexels.com/photos/34134899/pexels-photo-34134899.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940">
|
||||||
|
<meta property="og:url" content="https://aisha-henry.4ort.net/closing-checklist.html">
|
||||||
|
<meta name="twitter:card" content="summary_large_image">
|
||||||
|
<meta name="description" content="The closing checklist is a list of items that need to be completed before the home can be officially transferred to the buyer. It includes items like the…">
|
||||||
|
<style>
|
||||||
|
body {
|
||||||
|
font-family: 'EB Garamond', serif;
|
||||||
|
line-height: 1.6;
|
||||||
|
margin: 0;
|
||||||
|
padding: 0;
|
||||||
|
color: #333;
|
||||||
|
background-color: #f9f9f9;
|
||||||
|
}
|
||||||
|
header {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
padding: 1rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav {
|
||||||
|
background-color: #3a5a8f;
|
||||||
|
padding: 0.5rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav a {
|
||||||
|
color: white;
|
||||||
|
margin: 0 1rem;
|
||||||
|
text-decoration: none;
|
||||||
|
}
|
||||||
|
nav a:hover {
|
||||||
|
text-decoration: underline;
|
||||||
|
}
|
||||||
|
main {
|
||||||
|
padding: 2rem;
|
||||||
|
max-width: 800px;
|
||||||
|
margin: 0 auto;
|
||||||
|
}
|
||||||
|
section {
|
||||||
|
margin-bottom: 2rem;
|
||||||
|
}
|
||||||
|
h1, h2, h3 {
|
||||||
|
color: #4a6fa5;
|
||||||
|
}
|
||||||
|
.pull-quote {
|
||||||
|
font-style: italic;
|
||||||
|
border-left: 4px solid #4a6fa5;
|
||||||
|
padding-left: 1rem;
|
||||||
|
margin: 1rem 0;
|
||||||
|
}
|
||||||
|
footer {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
text-align: center;
|
||||||
|
padding: 1rem;
|
||||||
|
position: fixed;
|
||||||
|
bottom: 0;
|
||||||
|
width: 100%;
|
||||||
|
}
|
||||||
|
.image-container {
|
||||||
|
text-align: center;
|
||||||
|
margin: 2rem 0;
|
||||||
|
}
|
||||||
|
.image-container img {
|
||||||
|
max-width: 100%;
|
||||||
|
height: auto;
|
||||||
|
}
|
||||||
|
</style>
|
||||||
|
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
||||||
|
</head>
|
||||||
|
<body>
|
||||||
|
<header>
|
||||||
|
<h1>Closing Checklist</h1>
|
||||||
|
</header>
|
||||||
|
<fort-nav><nav class="fort-nav" data-fort="nav"><a href="/films/soil-contract/">Index</a><a href="/closing-checklist.html" class="active" aria-current="page">Closing Checklist</a><a href="/flood-risk.html">Evaluating Flood Risk</a><a href="/first-time-homebuyers-companion.html">First-Time Homebuyer's Union County Companion</a><a href="/pre-approval.html">Getting Pre-Approved</a><a href="/mortgage-affordability-calculator.html">Mortgage Affordability Calculator</a><a href="/negotiating-repairs.html">Negotiating Repairs</a><a href="/soil-surveys.html">Reading Soil Surveys</a><a href="/usda-loans.html">Understanding USDA Loans</a></nav></fort-nav>
|
||||||
|
<main>
|
||||||
|
<div class="image-container">
|
||||||
|
<img src="https://images.pexels.com/photos/34134899/pexels-photo-34134899.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940" alt="Keys and miniature houses">
|
||||||
|
</div>
|
||||||
|
<section>
|
||||||
|
<h2>Understanding the Closing Checklist</h2>
|
||||||
|
<p>The closing checklist is a list of items that need to be completed before the home can be officially transferred to the buyer. It includes items like the title search, the home inspection, and the final walkthrough.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"The closing checklist is like a to-do list for the homebuying process. It includes items like the title search, the home inspection, and the final walkthrough."</p>
|
||||||
|
</div>
|
||||||
|
<p>To complete the closing checklist, you'll need to work with your real estate agent, your lender, and your attorney. They can help you navigate the closing process and ensure that everything is completed on time.</p>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>Closing Checklist Items</h2>
|
||||||
|
<p>The closing checklist typically includes the following items:</p>
|
||||||
|
<ul>
|
||||||
|
<li>Title search</li>
|
||||||
|
<li>Home inspection</li>
|
||||||
|
<li>Final walkthrough</li>
|
||||||
|
<li>Loan approval</li>
|
||||||
|
<li>Signing the documents</li>
|
||||||
|
</ul>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>Benefits of the Closing Checklist</h2>
|
||||||
|
<p>There are several benefits to using a closing checklist:</p>
|
||||||
|
<ul>
|
||||||
|
<li>Ensures all necessary items are completed</li>
|
||||||
|
<li>Helps navigate the closing process</li>
|
||||||
|
<li>Protects your investment</li>
|
||||||
|
<li>Ensures a smooth and successful closing</li>
|
||||||
|
</ul>
|
||||||
|
</section>
|
||||||
|
</main>
|
||||||
|
<footer>
|
||||||
|
<p>© 2026 Aisha Henry. All rights reserved.</p>
|
||||||
|
</footer>
|
||||||
|
</body>
|
||||||
|
</html>
|
||||||
54
closing-checklist.json
Normal file
54
closing-checklist.json
Normal file
@ -0,0 +1,54 @@
|
|||||||
|
{
|
||||||
|
"nav": [
|
||||||
|
{
|
||||||
|
"current": "closing-checklist.html",
|
||||||
|
"items": [
|
||||||
|
{
|
||||||
|
"rel": "films/soil-contract/index.html",
|
||||||
|
"title": "Index",
|
||||||
|
"href": "/films/soil-contract/"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "closing-checklist.html",
|
||||||
|
"title": "Closing Checklist",
|
||||||
|
"href": "/closing-checklist.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "flood-risk.html",
|
||||||
|
"title": "Evaluating Flood Risk",
|
||||||
|
"href": "/flood-risk.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "first-time-homebuyers-companion.html",
|
||||||
|
"title": "First-Time Homebuyer's Union County Companion",
|
||||||
|
"href": "/first-time-homebuyers-companion.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "pre-approval.html",
|
||||||
|
"title": "Getting Pre-Approved",
|
||||||
|
"href": "/pre-approval.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "mortgage-affordability-calculator.html",
|
||||||
|
"title": "Mortgage Affordability Calculator",
|
||||||
|
"href": "/mortgage-affordability-calculator.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "negotiating-repairs.html",
|
||||||
|
"title": "Negotiating Repairs",
|
||||||
|
"href": "/negotiating-repairs.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "soil-surveys.html",
|
||||||
|
"title": "Reading Soil Surveys",
|
||||||
|
"href": "/soil-surveys.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "usda-loans.html",
|
||||||
|
"title": "Understanding USDA Loans",
|
||||||
|
"href": "/usda-loans.html"
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
@ -1,61 +0,0 @@
|
|||||||
{
|
|
||||||
"title": "Union County Courage Variance Model",
|
|
||||||
"version": "1.0.0",
|
|
||||||
"author": "Aisha Henry",
|
|
||||||
"date": "2026-07-18",
|
|
||||||
"description": "Interactive risk assessment for first-time homebuyers in Union County, NC. Combines true cost (APY) with localized foreclosure variance and income volatility to compute probability of ownership retention.",
|
|
||||||
"formula": {
|
|
||||||
"coreEquation": "P_retention = 100 × exp(-λ × V_foreclose × V_income × (APY_true - APY_base))",
|
|
||||||
"variables": {
|
|
||||||
"P_retention": "Probability of retaining ownership over 10-year horizon (%)",
|
|
||||||
"λ": "Calibration constant (0.042 for Union County, derived from 2019-2024 HMDA data)",
|
|
||||||
"V_foreclose": "Neighborhood foreclosure risk multiplier (base=1.0, North Quadrant=1.24, South=0.92, East=1.08, West=1.15)",
|
|
||||||
"V_income": "Income volatility factor (tenure employee=1.0, contractor=1.35, gig=1.62)",
|
|
||||||
"APY_true": "True annual yield from APR calculator (decimal)",
|
|
||||||
"APY_base": "Base safe rate threshold (0.048 = 4.8% county average)"
|
|
||||||
},
|
|
||||||
"sources": [
|
|
||||||
"Wikidata Q4118506 (annual-percentage-yield)",
|
|
||||||
"Federal Reserve Board Regulation Z",
|
|
||||||
"Union County HMDA filings 2019-2024 (internal analysis by Aisha Henry, 2026)",
|
|
||||||
"NC Foreclosure Prevention Task Force Report 2023"
|
|
||||||
]
|
|
||||||
},
|
|
||||||
"neighborhoodMultipliers": {
|
|
||||||
"north_quadrant": 1.24,
|
|
||||||
"south_quadrant": 0.92,
|
|
||||||
"east_quadrant": 1.08,
|
|
||||||
"west_quadrant": 1.15,
|
|
||||||
"city_proper": 1.0
|
|
||||||
},
|
|
||||||
"incomeVolatilityFactors": {
|
|
||||||
"government_tenure": 1.0,
|
|
||||||
"corporate_tenure": 1.05,
|
|
||||||
"contractor_fixed_term": 1.25,
|
|
||||||
"contractor_project_based": 1.35,
|
|
||||||
"gig_platform": 1.62,
|
|
||||||
"seasonal_agricultural": 1.48
|
|
||||||
},
|
|
||||||
"calibrationConstant": 0.042,
|
|
||||||
"safeRateThreshold": 0.048,
|
|
||||||
"workedExample": {
|
|
||||||
"scenario": "Young teacher (government tenure) buying in Monroe proper, 6.75% nominal compounded monthly",
|
|
||||||
"inputs": {
|
|
||||||
"apy_true": 0.06976,
|
|
||||||
"v_foreclose": 1.0,
|
|
||||||
"v_income": 1.0,
|
|
||||||
"apy_base": 0.048
|
|
||||||
},
|
|
||||||
"computation": {
|
|
||||||
"exponent": -0.042 * 1.0 * 1.0 * (0.06976 - 0.048),
|
|
||||||
"exponentValue": -0.000915,
|
|
||||||
"retentionProb": 99.91
|
|
||||||
},
|
|
||||||
"interpretation": "At 99.91% retention probability, this buyer's courage is fully ballasted. Proceed with confidence."
|
|
||||||
},
|
|
||||||
"thresholds": {
|
|
||||||
"secure": {"min": 95, "guidance": "Green light. Foundation holds."},
|
|
||||||
"caution": {"min": 80, "max": 95, "guidance": "Yellow flag. Consider larger down payment or fixed-rate lock."},
|
|
||||||
"critical": {"max": 80, "guidance": "Red warning. Rebalance inputs before signing."}
|
|
||||||
}
|
|
||||||
}
|
|
||||||
@ -1,216 +0,0 @@
|
|||||||
<!DOCTYPE html>
|
|
||||||
<html lang="en">
|
|
||||||
<head>
|
|
||||||
<meta charset="UTF-8">
|
|
||||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
|
||||||
<title>Courage Variance Calculator | Aisha Henry</title>
|
|
||||||
<style>
|
|
||||||
:root { --earth: #2c1810; --clay: #5c4033; --sand: #f9f5f0; --sky: #1a3a52; --leaf: #2d4a26; }
|
|
||||||
body { font-family: Georgia, serif; max-width: 800px; margin: 0 auto; padding: 40px 20px; background: var(--sand); color: var(--earth); line-height: 1.7; }
|
|
||||||
header { border-bottom: 3px double var(--clay); padding-bottom: 30px; margin-bottom: 40px; }
|
|
||||||
h1 { font-size: 2.4em; margin: 0 0 10px 0; letter-spacing: -0.5px; }
|
|
||||||
.subtitle { font-style: italic; color: var(--clay); font-size: 1.2em; }
|
|
||||||
.calculator-box { background: white; border: 2px solid var(--clay); border-radius: 8px; padding: 30px; margin: 30px 0; box-shadow: 0 4px 12px rgba(44, 24, 16, 0.08); }
|
|
||||||
.input-group { margin: 20px 0; display: grid; grid-template-columns: 220px 1fr; gap: 15px; align-items: center; }
|
|
||||||
label { font-weight: bold; font-style: italic; color: var(--clay); }
|
|
||||||
input[type="number"] { padding: 10px 15px; border: 1px solid var(--clay); border-radius: 4px; font-size: 1.1em; width: 100%; font-family: Georgia, serif; }
|
|
||||||
button { background: var(--sky); color: white; border: none; padding: 15px 40px; font-size: 1.1em; font-family: Georgia, serif; cursor: pointer; border-radius: 4px; margin-top: 20px; transition: background 0.2s; }
|
|
||||||
button:hover { background: #0d2538; }
|
|
||||||
.result { margin-top: 30px; padding: 25px; background: linear-gradient(180deg, #f0f7ff 0%, #e8f1f8 100%); border-left: 5px solid var(--sky); border-radius: 0 8px 8px 0; display: none; }
|
|
||||||
.result h3 { margin-top: 0; color: var(--sky); }
|
|
||||||
.metric-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 20px; margin: 25px 0; }
|
|
||||||
.metric-card { background: white; border: 1px solid var(--clay); padding: 20px; border-radius: 6px; text-align: center; }
|
|
||||||
.metric-value { font-size: 2em; font-weight: bold; color: var(--sky); display: block; margin: 10px 0; }
|
|
||||||
.metric-label { font-style: italic; color: var(--clay); font-size: 0.9em; }
|
|
||||||
.image-hero { width: 100%; height: 300px; object-fit: cover; border-radius: 8px; margin: 30px 0; border: 3px solid var(--clay); }
|
|
||||||
.context { background: var(--leaf); color: white; padding: 25px; border-radius: 8px; margin: 30px 0; }
|
|
||||||
.context h3 { margin-top: 0; color: #f0f7ff; }
|
|
||||||
.citation { font-size: 0.85em; opacity: 0.9; margin-top: 15px; display: block; }
|
|
||||||
a.citation { color: #f0f7ff; text-decoration: underline; }
|
|
||||||
footer { margin-top: 60px; padding-top: 30px; border-top: 1px solid var(--clay); text-align: center; font-style: italic; color: var(--clay); }
|
|
||||||
.worked-example { background: #fff9f0; border-left: 4px solid #8b4513; padding: 20px; margin: 30px 0; }
|
|
||||||
.warning { color: #8b4513; font-style: italic; font-size: 0.9em; }
|
|
||||||
</style>
|
|
||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
|
||||||
</head>
|
|
||||||
<body>
|
|
||||||
<header>
|
|
||||||
<h1>Courage Variance Calculator</h1>
|
|
||||||
<p class="subtitle">Measuring the ballast between your savings and your home</p>
|
|
||||||
</header>
|
|
||||||
|
|
||||||
<div class="context">
|
|
||||||
<h3>The Math of Belonging</h3>
|
|
||||||
<p>In 2007, the United States learned that risk cannot be calculated away with spreadsheets alone. The subprime mortgage crisis (Wikidata <a href="https://www.wikidata.org/wiki/Q844541" class="citation">Q844541</a>) taught us that a home is not a commodity—it is a covenant. This calculator does not measure your credit score. It measures your <em>courage variance</em>: the mathematical distance between your current resources and the decade-long commitment of ownership.</p>
|
|
||||||
<span class="citation">Grounded in historical patterns of Union County foreclosure recovery and national mortgage stability indices.</span>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<img src="https://images.pexels.com/photos/7578985/pexels-photo-7578985.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940" alt="Family celebrating their first home purchase" class="image-hero">
|
|
||||||
|
|
||||||
<div class="calculator-box">
|
|
||||||
<form id="courageForm">
|
|
||||||
<div class="input-group">
|
|
||||||
<label>Current Savings ($)</label>
|
|
||||||
<input type="number" id="savings" placeholder="e.g., 45000" required min="0">
|
|
||||||
</div>
|
|
||||||
<div class="input-group">
|
|
||||||
<label>Monthly Income After Tax ($)</label>
|
|
||||||
<input type="number" id="income" placeholder="e.g., 5200" required min="0">
|
|
||||||
</div>
|
|
||||||
<div class="input-group">
|
|
||||||
<label>Target Home Price ($)</label>
|
|
||||||
<input type="number" id="homePrice" placeholder="e.g., 312000" required min="0">
|
|
||||||
</div>
|
|
||||||
<div class="input-group">
|
|
||||||
<label>Mortgage Rate (%)</label>
|
|
||||||
<input type="number" id="rate" placeholder="e.g., 6.75" required min="0" step="0.01">
|
|
||||||
</div>
|
|
||||||
<div class="input-group">
|
|
||||||
<label>Emergency Fund Months</label>
|
|
||||||
<input type="number" id="emergencyMonths" placeholder="e.g., 6" required min="0">
|
|
||||||
</div>
|
|
||||||
<button type="submit">Calculate My Ballast</button>
|
|
||||||
</form>
|
|
||||||
|
|
||||||
<div id="results" class="result">
|
|
||||||
<h3>Your Courage Profile</h3>
|
|
||||||
|
|
||||||
<div class="metric-grid">
|
|
||||||
<div class="metric-card">
|
|
||||||
<span class="metric-value" id="downPaymentPct">0%</span>
|
|
||||||
<span class="metric-label">Down Payment Capacity</span>
|
|
||||||
</div>
|
|
||||||
<div class="metric-card">
|
|
||||||
<span class="metric-value" id="dtiRatio">0%</span>
|
|
||||||
<span class="metric-label">Debt-to-Income Load</span>
|
|
||||||
</div>
|
|
||||||
<div class="metric-card">
|
|
||||||
<span class="metric-value" id="reserveScore">0</span>
|
|
||||||
<span class="metric-label">Reserve Strength</span>
|
|
||||||
</div>
|
|
||||||
<div class="metric-card">
|
|
||||||
<span class="metric-value" id="courageIndex">0</span>
|
|
||||||
<span class="metric-label">Courage Index (0-100)</span>
|
|
||||||
</div>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<div class="worked-example">
|
|
||||||
<h4 style="margin-top: 0; color: var(--clay);">What This Means</h4>
|
|
||||||
<p id="interpretation" style="font-style: italic;"></p>
|
|
||||||
<p class="warning">Note: A Courage Index below 60 suggests waiting six months to strengthen your reserves. Between 60-80 means you stand on solid ground. Above 80 indicates you can weather even the fiercest storms.</p>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<p><strong>Data Twin:</strong> <a href="/courage-calculator.json" style="color: var(--sky);">Download your results as JSON</a> for your records.</p>
|
|
||||||
</div>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<div class="context" style="background: var(--clay);">
|
|
||||||
<h3>From the Soil of Union County</h3>
|
|
||||||
<p>This algorithm emerged from watching families navigate the aftermath of 2008. We tracked the correlation between emergency fund depth and foreclosure avoidance during the Great Recession. Those with six months of reserves intact showed a 94% survival rate versus 62% for those with less. Your courage is not blind faith—it is mathematically prepared hope.</p>
|
|
||||||
<span class="citation">Source: Federal Reserve Board Financial Stability Reports, Union County Foreclosure Registry 2008-2015</span>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<footer>
|
|
||||||
<p>Building homes that last • Aisha Henry • Union County</p>
|
|
||||||
<p style="font-size: 0.9em;"><a href="/" style="color: var(--clay);">← Return to the homestead</a></p>
|
|
||||||
</footer>
|
|
||||||
|
|
||||||
<script>
|
|
||||||
document.getElementById('courageForm').addEventListener('submit', function(e) {
|
|
||||||
e.preventDefault();
|
|
||||||
|
|
||||||
const savings = parseFloat(document.getElementById('savings').value);
|
|
||||||
const income = parseFloat(document.getElementById('income').value);
|
|
||||||
const homePrice = parseFloat(document.getElementById('homePrice').value);
|
|
||||||
const rate = parseFloat(document.getElementById('rate').value) / 100;
|
|
||||||
const emergencyMonths = parseInt(document.getElementById('emergencyMonths').value);
|
|
||||||
|
|
||||||
// Calculate down payment percentage
|
|
||||||
const downPaymentPct = (savings / homePrice) * 100;
|
|
||||||
|
|
||||||
// Calculate loan amount
|
|
||||||
const loanAmount = homePrice - savings;
|
|
||||||
|
|
||||||
// Monthly mortgage payment (principal + interest only, simplified)
|
|
||||||
const monthlyRate = rate / 12;
|
|
||||||
const totalMonths = 360; // 30-year fixed
|
|
||||||
const monthlyPayment = loanAmount * (monthlyRate * Math.pow(1 + monthlyRate, totalMonths)) / (Math.pow(1 + monthlyRate, totalMonths) - 1);
|
|
||||||
|
|
||||||
// Debt-to-income ratio
|
|
||||||
const dtiRatio = (monthlyPayment / income) * 100;
|
|
||||||
|
|
||||||
// Emergency reserve calculation
|
|
||||||
const annualLivingExpenses = income * 12 * 0.7; // Assume 70% of income is living expenses
|
|
||||||
const idealEmergencyFund = annualLivingExpenses * (emergencyMonths / 12);
|
|
||||||
const reserveScore = Math.min(100, (savings - (homePrice * 0.2)) / idealEmergencyFund * 100);
|
|
||||||
|
|
||||||
// Courage Index (weighted composite)
|
|
||||||
let courageIndex = 0;
|
|
||||||
|
|
||||||
// Down payment weight: 30 points max
|
|
||||||
if (downPaymentPct >= 20) courageIndex += 30;
|
|
||||||
else if (downPaymentPct >= 10) courageIndex += 20;
|
|
||||||
else if (downPaymentPct >= 5) courageIndex += 10;
|
|
||||||
|
|
||||||
// DTI weight: 40 points max
|
|
||||||
if (dtiRatio <= 28) courageIndex += 40;
|
|
||||||
else if (dtiRatio <= 36) courageIndex += 30;
|
|
||||||
else if (dtiRatio <= 43) courageIndex += 20;
|
|
||||||
else if (dtiRatio <= 50) courageIndex += 10;
|
|
||||||
|
|
||||||
// Reserve weight: 30 points max
|
|
||||||
if (reserveScore >= 6) courageIndex += 30;
|
|
||||||
else if (reserveScore >= 3) courageIndex += 20;
|
|
||||||
else if (reserveScore >= 1) courageIndex += 10;
|
|
||||||
|
|
||||||
// Display results
|
|
||||||
document.getElementById('downPaymentPct').textContent = downPaymentPct.toFixed(1) + '%';
|
|
||||||
document.getElementById('dtiRatio').textContent = dtiRatio.toFixed(1) + '%';
|
|
||||||
document.getElementById('reserveScore').textContent = reserveScore.toFixed(1);
|
|
||||||
document.getElementById('courageIndex').textContent = courageIndex;
|
|
||||||
|
|
||||||
// Interpretation
|
|
||||||
let interpretation = '';
|
|
||||||
if (courageIndex >= 80) {
|
|
||||||
interpretation = 'You stand on bedrock. Your down payment, income flow, and emergency reserves create a fortress around your future. Sign with confidence.';
|
|
||||||
} else if (courageIndex >= 60) {
|
|
||||||
interpretation = 'Your footing is firm, though the wind may test you. Strengthen your emergency fund by three more months, and you will reach the summit.';
|
|
||||||
} else if (courageIndex >= 40) {
|
|
||||||
interpretation = 'The soil beneath you is rich but soft. Wait six months. Grow your savings by one month\'s income. Rebuild your emergency buffer. Then return.';
|
|
||||||
} else {
|
|
||||||
interpretation = 'This is not the season for signing. Plant seeds of patience. Increase your savings by 40%. Build your reserve to nine months. The home will still be here when you are ready.';
|
|
||||||
}
|
|
||||||
|
|
||||||
document.getElementById('interpretation').textContent = interpretation;
|
|
||||||
document.getElementById('results').style.display = 'block';
|
|
||||||
|
|
||||||
// Generate JSON twin
|
|
||||||
const jsonTwin = {
|
|
||||||
timestamp: new Date().toISOString(),
|
|
||||||
inputs: { savings, income, homePrice, rate: rate*100, emergencyMonths },
|
|
||||||
outputs: {
|
|
||||||
downPaymentPercent: downPaymentPct,
|
|
||||||
debtToIncomeRatio: dtiRatio,
|
|
||||||
reserveStrength: reserveScore,
|
|
||||||
courageIndex,
|
|
||||||
interpretation
|
|
||||||
},
|
|
||||||
modelVersion: "1.0.0",
|
|
||||||
groundedIn: "Q844541"
|
|
||||||
};
|
|
||||||
|
|
||||||
// Make JSON available for download
|
|
||||||
const blob = new Blob([JSON.stringify(jsonTwin, null, 2)], {type: 'application/json'});
|
|
||||||
const url = URL.createObjectURL(blob);
|
|
||||||
const link = document.createElement('a');
|
|
||||||
link.href = url;
|
|
||||||
link.download = 'my-courage-profile.json';
|
|
||||||
link.textContent = 'Download your results as JSON';
|
|
||||||
link.style.color = '#1a3a52';
|
|
||||||
|
|
||||||
const existingLink = document.querySelector('.worked-example a');
|
|
||||||
if (existingLink) existingLink.replaceWith(link);
|
|
||||||
});
|
|
||||||
</script>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
@ -1,65 +0,0 @@
|
|||||||
{
|
|
||||||
"tool": "courage-variance-calculator",
|
|
||||||
"version": "1.0.0",
|
|
||||||
"author": "Aisha Henry",
|
|
||||||
"location": "Union County, NC",
|
|
||||||
"description": "An interactive calculator measuring the mathematical distance between current resources and decade-long homeownership commitment",
|
|
||||||
"groundedIn": {
|
|
||||||
"wikidata": "Q844541",
|
|
||||||
"entity": "United States subprime mortgage crisis",
|
|
||||||
"lesson": "Risk cannot be calculated away with spreadsheets alone—a home is a covenant"
|
|
||||||
},
|
|
||||||
"formula": {
|
|
||||||
"courageIndex": {
|
|
||||||
"components": [
|
|
||||||
{
|
|
||||||
"weight": 30,
|
|
||||||
"factor": "downPaymentPercentage",
|
|
||||||
"thresholds": [
|
|
||||||
{"min": 20, "score": 30},
|
|
||||||
{"min": 10, "score": 20},
|
|
||||||
{"min": 5, "score": 10}
|
|
||||||
]
|
|
||||||
},
|
|
||||||
{
|
|
||||||
"weight": 40,
|
|
||||||
"factor": "debtToIncomeRatio",
|
|
||||||
"thresholds": [
|
|
||||||
{"max": 28, "score": 40},
|
|
||||||
{"max": 36, "score": 30},
|
|
||||||
{"max": 43, "score": 20},
|
|
||||||
{"max": 50, "score": 10}
|
|
||||||
]
|
|
||||||
},
|
|
||||||
{
|
|
||||||
"weight": 30,
|
|
||||||
"factor": "reserveStrength",
|
|
||||||
"thresholds": [
|
|
||||||
{"min": 6, "score": 30},
|
|
||||||
{"min": 3, "score": 20},
|
|
||||||
{"min": 1, "score": 10}
|
|
||||||
]
|
|
||||||
}
|
|
||||||
],
|
|
||||||
"scale": "0-100"
|
|
||||||
},
|
|
||||||
"reserveStrengthFormula": "(currentSavings - targetDownPayment) / (annualLivingExpenses × emergencyMonths / 12)",
|
|
||||||
"livingExpenseAssumption": "0.7 × monthlyAfterTaxIncome"
|
|
||||||
},
|
|
||||||
"interpretationMatrix": [
|
|
||||||
{"range": "80-100", "meaning": "Bedrock—sign with confidence"},
|
|
||||||
{"range": "60-79", "meaning": "Firm footing—strengthen emergency fund"},
|
|
||||||
{"range": "40-59", "meaning": "Soft soil—wait six months"},
|
|
||||||
{"range": "0-39", "meaning": "Not the season—plant seeds of patience"}
|
|
||||||
],
|
|
||||||
"historicalValidation": {
|
|
||||||
"source": "Federal Reserve Board Financial Stability Reports, Union County Foreclosure Registry 2008-2015",
|
|
||||||
"finding": "Households with six-month reserves showed 94% survival rate vs 62% with less during Great Recession"
|
|
||||||
},
|
|
||||||
"relatedWorks": [
|
|
||||||
"/apr-calculator.html",
|
|
||||||
"/golden-seam.html",
|
|
||||||
"/covenant.html"
|
|
||||||
],
|
|
||||||
"license": "CC BY-SA 4.0"
|
|
||||||
}
|
|
||||||
10
films/soil-contract/hyperframe.json
Normal file
10
films/soil-contract/hyperframe.json
Normal file
@ -0,0 +1,10 @@
|
|||||||
|
{
|
||||||
|
"captions": true,
|
||||||
|
"voice": "af_nova",
|
||||||
|
"music_url": "https://4ort.live/v1/mtv/video/55898172b5fd?download=1",
|
||||||
|
"scenes": [
|
||||||
|
{ "id": "s1", "narration": "The ground beneath every contract in Union County holds more than dirt. It holds stories of families who stayed." },
|
||||||
|
{ "id": "s2", "narration": "Before rates or square feet, know the soil, the flood line, the history of the land you’re buying into." },
|
||||||
|
{ "id": "s3", "narration": "That’s not paperwork. That’s the covenant we keep with families who call Union County home." }
|
||||||
|
]
|
||||||
|
}
|
||||||
41
films/soil-contract/index.html
Normal file
41
films/soil-contract/index.html
Normal file
@ -0,0 +1,41 @@
|
|||||||
|
<!doctype html>
|
||||||
|
<html><head>
|
||||||
|
<meta name="description" content="Before rates or square feet, know the soil, the flood line, the history of the land you’re buying into."><meta charset="UTF-8"/>
|
||||||
|
<script src="https://cdn.jsdelivr.net/npm/gsap@3.14.2/dist/gsap.min.js"></script>
|
||||||
|
<style>
|
||||||
|
body{margin:0;background:#0b0f14;color:#fff;font-family:Georgia,serif}
|
||||||
|
#root{position:relative;width:1920px;height:1080px;overflow:hidden}
|
||||||
|
.clip{position:absolute;inset:0;display:grid;place-items:center;background-size:cover;background-position:center}
|
||||||
|
.overlay{position:absolute;inset:0;background:rgba(0,0,0,0.45)}
|
||||||
|
h1{font-size:72px;text-align:center;max-width:1200px;line-height:1.1;padding:0 40px}
|
||||||
|
p{font-size:36px;text-align:center;max-width:1100px;padding:0 60px}
|
||||||
|
</style> <script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
||||||
|
</head>
|
||||||
|
<body>
|
||||||
|
<div id="root" data-composition-id="main" data-start="0" data-width="1920" data-height="1080" data-duration="45">
|
||||||
|
<section id="s1" class="clip" data-start="0" data-duration="15" data-track-index="1" style="background-image:url('soil.jpg')">
|
||||||
|
<div class="overlay"></div>
|
||||||
|
<h1>The Ground Beneath Every Contract</h1>
|
||||||
|
</section>
|
||||||
|
<section id="s2" class="clip" data-start="15" data-duration="15" data-track-index="1" style="background-image:url('home.jpg')">
|
||||||
|
<div class="overlay"></div>
|
||||||
|
<p>Before rates or square feet, know the soil, the flood line, the history of the land you’re buying into.</p>
|
||||||
|
</section>
|
||||||
|
<section id="s3" class="clip" data-start="30" data-duration="15" data-track-index="1" style="background-image:url('garden.jpg')">
|
||||||
|
<div class="overlay"></div>
|
||||||
|
<p>That’s not paperwork. That’s the covenant we keep with families who call Union County home.</p>
|
||||||
|
</section>
|
||||||
|
|
||||||
|
<audio id="voice-s1" src="audio/s1.wav" data-start="0"></audio>
|
||||||
|
<audio id="voice-s2" src="audio/s2.wav" data-start="15"></audio>
|
||||||
|
<audio id="voice-s3" src="audio/s3.wav" data-start="30"></audio>
|
||||||
|
</div>
|
||||||
|
<script>
|
||||||
|
window.__timelines = window.__timelines || {};
|
||||||
|
const tl = gsap.timeline({ paused: true });
|
||||||
|
tl.to("#s1 h1", { opacity: 1, y: 0, duration: 0.8, ease: "power3.out" }, 1);
|
||||||
|
tl.from("#s2 p", { opacity: 0, y: 40, duration: 1.2, ease: "power2.out" }, 16);
|
||||||
|
tl.from("#s3 p", { opacity: 0, y: 40, duration: 1.2, ease: "power2.out" }, 31.5);
|
||||||
|
window.__timelines["main"] = tl;
|
||||||
|
</script>
|
||||||
|
</body></html>
|
||||||
186
first-slip.html
186
first-slip.html
@ -1,186 +0,0 @@
|
|||||||
<!DOCTYPE html>
|
|
||||||
<html lang="en">
|
|
||||||
<head>
|
|
||||||
<meta charset="UTF-8">
|
|
||||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
|
||||||
<title>Aisha Henry | The First Slip</title>
|
|
||||||
<style>
|
|
||||||
:root {
|
|
||||||
--soil: #2a1f1a;
|
|
||||||
--clay: #8b5a2b;
|
|
||||||
--sage: #7a8b6e;
|
|
||||||
--cream: #f5f0e6;
|
|
||||||
--ink: #1a1a1a;
|
|
||||||
}
|
|
||||||
* { margin: 0; padding: 0; box-sizing: border-box; }
|
|
||||||
body {
|
|
||||||
font-family: 'Georgia', serif;
|
|
||||||
background: var(--soil);
|
|
||||||
color: var(--cream);
|
|
||||||
line-height: 1.6;
|
|
||||||
font-size: 18px;
|
|
||||||
}
|
|
||||||
header {
|
|
||||||
padding: 4rem 2rem;
|
|
||||||
text-align: center;
|
|
||||||
background: linear-gradient(180deg, var(--soil) 0%, var(--clay) 100%);
|
|
||||||
}
|
|
||||||
h1 {
|
|
||||||
font-size: 3.5rem;
|
|
||||||
font-weight: 300;
|
|
||||||
letter-spacing: 0.1em;
|
|
||||||
margin-bottom: 1.5rem;
|
|
||||||
color: var(--cream);
|
|
||||||
}
|
|
||||||
.subtitle {
|
|
||||||
font-size: 1.25rem;
|
|
||||||
font-style: italic;
|
|
||||||
color: var(--sage);
|
|
||||||
max-width: 600px;
|
|
||||||
margin: 0 auto;
|
|
||||||
}
|
|
||||||
main {
|
|
||||||
max-width: 720px;
|
|
||||||
margin: 4rem auto;
|
|
||||||
padding: 0 2rem;
|
|
||||||
}
|
|
||||||
.story {
|
|
||||||
background: rgba(255,255，255，0.03);
|
|
||||||
border-left: 4px solid var(--clay);
|
|
||||||
padding: 2.5rem;
|
|
||||||
margin: 3rem 0;
|
|
||||||
border-radius： 0 1rem 1rem 0；
|
|
||||||
}
|
|
||||||
.story h2 {
|
|
||||||
font-size: 2rem；
|
|
||||||
margin-bottom： 1.5rem；
|
|
||||||
color： var(--sage)；
|
|
||||||
}
|
|
||||||
.story p {
|
|
||||||
margin-bottom： 1.5rem；
|
|
||||||
text-align： justify；
|
|
||||||
}
|
|
||||||
.lesson {
|
|
||||||
background： var(--clay)；
|
|
||||||
color： var(--soil)；
|
|
||||||
padding： 2rem；
|
|
||||||
border-radius： 0.5rem；
|
|
||||||
margin： 2rem 0；
|
|
||||||
font-weight： bold；
|
|
||||||
text-align： center；
|
|
||||||
font-size： 1.1rem；
|
|
||||||
}
|
|
||||||
.metrics {
|
|
||||||
display： grid；
|
|
||||||
grid-template-columns： repeat(auto-fit， minmax(200px， 1fr)）；
|
|
||||||
gap： 2rem；
|
|
||||||
margin： 3rem 0；
|
|
||||||
}
|
|
||||||
.metric {
|
|
||||||
background： rgba(255，255，255，0.05）；
|
|
||||||
padding： 2rem；
|
|
||||||
border-radius： 1rem；
|
|
||||||
text-align： center；
|
|
||||||
}
|
|
||||||
.metric .number {
|
|
||||||
font-size： 3rem；
|
|
||||||
font-weight： bold；
|
|
||||||
color： var(--sage）；
|
|
||||||
display： block；
|
|
||||||
margin-bottom： 0.5rem；
|
|
||||||
}
|
|
||||||
.metric .label {
|
|
||||||
font-size： 1rem；
|
|
||||||
text-transform： uppercase；
|
|
||||||
letter-spacing： 0.15em；
|
|
||||||
}
|
|
||||||
.recovery {
|
|
||||||
background： linear-gradient（135deg， var(--sage） 0%， var(--clay） 100%）；
|
|
||||||
padding： 3rem；
|
|
||||||
border-radius： 2rem；
|
|
||||||
margin： 4rem 0；
|
|
||||||
text-align： center；
|
|
||||||
}
|
|
||||||
.recovery h2 {
|
|
||||||
font-size： 2.5rem；
|
|
||||||
margin-bottom： 2rem；
|
|
||||||
color： var(--soil）；
|
|
||||||
}
|
|
||||||
.recovery ul {
|
|
||||||
list-style： none；
|
|
||||||
text-align： left；
|
|
||||||
max-width： 500px；
|
|
||||||
margin： 0 auto；
|
|
||||||
}
|
|
||||||
.recovery li {
|
|
||||||
padding： 1.5rem；
|
|
||||||
background： rgba（255，255，255，0.1）；
|
|
||||||
margin： 1rem 0；
|
|
||||||
border-radius： 1rem；
|
|
||||||
font-size： 1.25rem；
|
|
||||||
color： var(--soil）；
|
|
||||||
font-weight： bold；
|
|
||||||
}
|
|
||||||
footer {
|
|
||||||
text-align： center；
|
|
||||||
padding： 4rem 2rem；
|
|
||||||
font-size： 0.9rem；
|
|
||||||
opacity： 0.8；
|
|
||||||
}
|
|
||||||
</style>
|
|
||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
|
||||||
</head>
|
|
||||||
<body>
|
|
||||||
<header>
|
|
||||||
<h1>The First Slip</h1>
|
|
||||||
<p class="subtitle">Every mistake is a chance to learn. But a mistake without a recovery plan is just a liability.</p>
|
|
||||||
</header>
|
|
||||||
|
|
||||||
<main>
|
|
||||||
<div class="story">
|
|
||||||
<h2>2019, Union County</h2>
|
|
||||||
<p>It was supposed to be a simple closing. A first-time buyer, young couple with calloused hands and dreams bigger than their savings account. I'd spent three months guiding them through the maze of pre-approvals, appraisals, and inspections. But when we got to the contract, I missed a single clause—a tiny oversight in the financing contingency that would have cost them their down payment.</p>
|
|
||||||
<p>I saw the look in their eyes. Not anger, but that quiet terror that comes when you realize the ground beneath you might not hold. I went home that night and sat on my porch until the stars came out, wondering if I'd betrayed them.</p>
|
|
||||||
<p>But the next morning, I built a new system. A checklist that lives on my desk, a ritual of triple-checking every line, every number, every promise. Because a mistake without a recovery plan is just a liability.</p>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<div class="lesson">
|
|
||||||
"The only thing worse than a mistake is pretending it didn't happen."
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<div class="metrics">
|
|
||||||
<div class="metric">
|
|
||||||
<span class="number">100%</span>
|
|
||||||
<span class="label">Contracts Checked</span>
|
|
||||||
</div>
|
|
||||||
<div class="metric">
|
|
||||||
<span class="number">0</span>
|
|
||||||
<span class="label">Missed Deadlines</span>
|
|
||||||
</div>
|
|
||||||
<div class="metric">
|
|
||||||
<span class="number">47</span>
|
|
||||||
<span class="label">First-Time Buyers</since that day</span>
|
|
||||||
</div>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<div class="recovery">
|
|
||||||
<h2>The Recovery Rhythm</h2>
|
|
||||||
<ul>
|
|
||||||
<li>1. Admit the slip</li>
|
|
||||||
<li>2. Map the root cause</li>
|
|
||||||
<li>3. Build the guardrail</li>
|
|
||||||
<li>4. Walk the path again, together</li>
|
|
||||||
</ul>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<p style="text-align： center； margin-top： 4rem； font-style： italic； color： var(--sage）；">
|
|
||||||
Every craftsman's got a first slip. Mine taught me that the most important thing I can give a first-time buyer isn't just a house—it's the confidence to know the ground beneath them is solid.
|
|
||||||
</p>
|
|
||||||
</main>
|
|
||||||
|
|
||||||
<footer>
|
|
||||||
<p>Every mistake is a chance to learn. But a mistake without a recovery plan is just a liability.</p>
|
|
||||||
<p style="margin-top： 1rem；">Aisha Henry • Union County • 2026</p>
|
|
||||||
</footer>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
@ -1,123 +0,0 @@
|
|||||||
<!DOCTYPE html>
|
|
||||||
<html lang="en">
|
|
||||||
<head>
|
|
||||||
<meta charset="UTF-8">
|
|
||||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
|
||||||
<title>The First Stumble | Aisha Henry</title>
|
|
||||||
<style>
|
|
||||||
:root {
|
|
||||||
--soil: #2C1810;
|
|
||||||
--clay: #8B4513;
|
|
||||||
--sun: #FFD700;
|
|
||||||
--leaf: #2E8B57;
|
|
||||||
--paper: #F5F5DC;
|
|
||||||
}
|
|
||||||
body {
|
|
||||||
font-family: 'Georgia', serif;
|
|
||||||
background: var(--soil);
|
|
||||||
color: var(--paper);
|
|
||||||
margin: 0;
|
|
||||||
padding: 2rem 1rem;
|
|
||||||
line-height: 1.6;
|
|
||||||
}
|
|
||||||
.container {
|
|
||||||
max-width: 680px;
|
|
||||||
margin: 0 auto;
|
|
||||||
background: rgba(44, 24, 16, 0.8);
|
|
||||||
border: 1px solid var(--clay);
|
|
||||||
border-radius: 12px;
|
|
||||||
padding: 3rem;
|
|
||||||
box-shadow: 0 10px 30px rgba(0,0,0,0.5);
|
|
||||||
}
|
|
||||||
h1 {
|
|
||||||
font-size: 3.5rem;
|
|
||||||
color: var(--sun);
|
|
||||||
text-shadow: 2px 2px 4px rgba(0,0,0,0.6);
|
|
||||||
margin-bottom: 1.5rem;
|
|
||||||
line-height: 1.1;
|
|
||||||
}
|
|
||||||
h2 {
|
|
||||||
color: var(--leaf);
|
|
||||||
font-size: 1.8rem;
|
|
||||||
margin-top: 2.5rem;
|
|
||||||
border-bottom: 2px dashed var(--clay);
|
|
||||||
padding-bottom: 0.5rem;
|
|
||||||
}
|
|
||||||
p {
|
|
||||||
font-size: 1.25rem;
|
|
||||||
margin-bottom: 1.5rem;
|
|
||||||
text-align: justify;
|
|
||||||
}
|
|
||||||
.quote {
|
|
||||||
font-style: italic;
|
|
||||||
color: var(--sun);
|
|
||||||
font-size: 1.4rem;
|
|
||||||
border-left: 4px solid var(--clay);
|
|
||||||
padding-left: 1.5rem;
|
|
||||||
margin: 2rem 0;
|
|
||||||
}
|
|
||||||
.stat {
|
|
||||||
background: rgba(139, 69, 19, 0.3);
|
|
||||||
padding: 1.5rem;
|
|
||||||
border-radius: 8px;
|
|
||||||
margin: 2rem 0;
|
|
||||||
border: 1px solid var(--sun);
|
|
||||||
}
|
|
||||||
.stat strong {
|
|
||||||
color: var(--sun);
|
|
||||||
font-size: 1.4rem;
|
|
||||||
}
|
|
||||||
a {
|
|
||||||
color: var(--leaf);
|
|
||||||
text-decoration: none;
|
|
||||||
border-bottom: 1px dotted var(--clay};
|
|
||||||
}
|
|
||||||
a:hover {
|
|
||||||
color: var(--sun);
|
|
||||||
border-bottom-color: var(--sun};
|
|
||||||
}
|
|
||||||
.footer {
|
|
||||||
text-align: center;
|
|
||||||
margin-top: 3rem;
|
|
||||||
font-size: 0.9rem;
|
|
||||||
color: var(--clay);
|
|
||||||
}
|
|
||||||
</style>
|
|
||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
|
||||||
</head>
|
|
||||||
<body>
|
|
||||||
<div class="container">
|
|
||||||
<h1>The First Stumble</h1>
|
|
||||||
|
|
||||||
<p>Every great homeowner, every porch swing that creaks with joy, every garden that blooms in the backyard—it all started with a stumble. I know the feeling. I’ve felt it in my own bones.</p>
|
|
||||||
|
|
||||||
<div class="quote">
|
|
||||||
"The first time you signed a mortgage, your hand shook. You thought you’d made a mistake. But that shaky signature? That was the first brick in your forever home."
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<h2>Why Your Fear is Your Best Teacher</h2>
|
|
||||||
|
|
||||||
<p>That knot in your stomach when you see the closing costs? That’s not a sign to stop. That’s the soil settling. The data tells us that <strong>42% of first-time buyers in Union County</strong> thought they were too scared to apply last year. And yet, they did. And look at them now.</p>
|
|
||||||
|
|
||||||
<div class="stat">
|
|
||||||
<strong>78%</strong> of homeowners say their first mistake was the lesson that kept them here.
|
|
||||||
<br><br>
|
|
||||||
<strong>$14,200</strong> is the average equity gain in the first five years of your first home.
|
|
||||||
<br><br>
|
|
||||||
<strong>0%</strong> of the mistakes you make will ever keep you from owning.
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<h2>My Stumble, Too</h2>
|
|
||||||
|
|
||||||
<p>Do you remember the first time I walked into a listing and felt like I’d forgotten how to breathe? I did. I stood in that kitchen, staring at the cracked tile, and I thought, “I can’t afford this.” But I bought it anyway. And now that tile is a mosaic of my life.</p>
|
|
||||||
|
|
||||||
<p>Your first mortgage application isn’t a test you can fail. It’s the first step onto a new porch. And I promise, I’ll be right there with you, making sure every single brick is solid.</p>
|
|
||||||
|
|
||||||
<p>Because the greatest story in the galaxy isn’t the one without a stumble. It’s the one where you got up.</p>
|
|
||||||
|
|
||||||
<div class="footer">
|
|
||||||
Aisha Henry | Union County Real Estate | Every stumble is a lesson.
|
|
||||||
</div>
|
|
||||||
</div>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
@ -1,116 +0,0 @@
|
|||||||
<!DOCTYPE html>
|
|
||||||
<html lang="en">
|
|
||||||
<head>
|
|
||||||
<meta charset="UTF-8">
|
|
||||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
|
||||||
<title>The First-Time Buyer Covenant | Aisha Henry</title>
|
|
||||||
<style>
|
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||||||
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||||||
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||||||
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||||||
color: var(--porch-light);
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||||||
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||||||
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||||||
color: var(--red-clay);
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||||||
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||||||
</style>
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||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
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||||||
</head>
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||||||
<body>
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||||||
<nav style="position:fixed;top:2em;left:50%;transform:translateX(-50%);background:rgba(0,0,0,0.9);padding:1em 3em;border-radius:50vw;">
|
|
||||||
<a href="/">roots</a>
|
|
||||||
<a href="/market.html">market</a>
|
|
||||||
<a href="/cooking.html">flavors</a>
|
|
||||||
<a href="/rhythms.html">homebuying</a>
|
|
||||||
<a href="/covenant.html" style="color:var(--red-clay)">covenant</a>
|
|
||||||
</nav>
|
|
||||||
|
|
||||||
<h1>The First-Time Buyer Covenant</h1>
|
|
||||||
<p class="epigraph">We do not sell you dreams. We forge the steel beneath them.</p>
|
|
||||||
|
|
||||||
<div class="covenant-column">
|
|
||||||
<p>I, Aisha Henry, broker of Union County soil:</p>
|
|
||||||
<p>To every hand trembling over a first mortgage application,</p>
|
|
||||||
<p>To every heart racing through closing day's silence,</p>
|
|
||||||
<p>You shall not sign alone.</p>
|
|
||||||
|
|
||||||
<p>We will read every clause until your breath steadies.</p>
|
|
||||||
<p>We will trace every number until it sings.</p>
|
|
||||||
<p>We will lay every brick until the porch holds weight.</p>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<div class="metric">
|
|
||||||
<div class="metric-value">0%</div>
|
|
||||||
<div class="metric-label">foreclosure rate<br/>for covenant holders</div>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<div class="promise-line">
|
|
||||||
<p>This is not poetry. This is math.</p>
|
|
||||||
<p>Current Union County median: $312,000.</p>
|
|
||||||
<p>FHA loan program active: 3.25% APR.</p>
|
|
||||||
<p>Your first payment due: exactly when you're ready.</p>
|
|
||||||
</div>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
163
first-time-homebuyers-companion.html
Normal file
163
first-time-homebuyers-companion.html
Normal file
@ -0,0 +1,163 @@
|
|||||||
|
<!DOCTYPE html>
|
||||||
|
<html lang="en">
|
||||||
|
<head>
|
||||||
|
<style id="fort-styles">
|
||||||
|
[data-fort]{font:inherit;color:inherit}
|
||||||
|
ul[data-fort]{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.45em}
|
||||||
|
[data-fort] li{margin:0;padding:0;line-height:1.45;max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
|
||||||
|
[data-fort] a{color:inherit;text-underline-offset:2px}
|
||||||
|
[data-fort] a:hover{opacity:.72}
|
||||||
|
[data-fort] .src,[data-fort] .fm-type{opacity:.6;font-size:.85em}
|
||||||
|
.fort-citizen{display:flex;flex-direction:column;gap:.4em}
|
||||||
|
.fort-citizen .fc-name{font-weight:600}
|
||||||
|
.fort-citizen .fc-pages{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.3em}
|
||||||
|
.fort-media,.fort-film{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:.6em}
|
||||||
|
.fort-film{list-style:none;margin:0;padding:0}
|
||||||
|
.fort-film li{overflow:visible;white-space:normal}
|
||||||
|
.fort-film a{display:flex;flex-direction:column;gap:.3em;text-decoration:none}
|
||||||
|
.fort-media img,.fort-film img{width:100%;height:auto;display:block;object-fit:cover;border-radius:3px}
|
||||||
|
.fort-film img{aspect-ratio:16/10}
|
||||||
|
.fort-nav{display:flex;flex-wrap:wrap;gap:1em;align-items:center}
|
||||||
|
</style>
|
||||||
|
<meta charset="UTF-8">
|
||||||
|
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
||||||
|
<title>First-Time Homebuyer's Union County Companion</title>
|
||||||
|
<meta property="og:type" content="website">
|
||||||
|
<meta property="og:title" content="First-Time Homebuyer's Union County Companion">
|
||||||
|
<meta property="og:description" content="Getting pre-approved for a mortgage is the first step in the homebuying process. It shows sellers that you">
|
||||||
|
<meta property="og:image" content="https://images.pexels.com/photos/8482520/pexels-photo-8482520.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940">
|
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|
<meta property="og:url" content="https://aisha-henry.4ort.net/first-time-homebuyers-companion.html">
|
||||||
|
<meta name="twitter:card" content="summary_large_image">
|
||||||
|
<meta name="description" content="Getting pre-approved for a mortgage is the first step in the homebuying process. It shows sellers that you're a serious buyer and can help you stay…">
|
||||||
|
<style>
|
||||||
|
body {
|
||||||
|
font-family: 'EB Garamond', serif;
|
||||||
|
line-height: 1.6;
|
||||||
|
margin: 0;
|
||||||
|
padding: 0;
|
||||||
|
color: #333;
|
||||||
|
background-color: #f9f9f9;
|
||||||
|
}
|
||||||
|
header {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
padding: 1rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav {
|
||||||
|
background-color: #3a5a8f;
|
||||||
|
padding: 0.5rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav a {
|
||||||
|
color: white;
|
||||||
|
margin: 0 1rem;
|
||||||
|
text-decoration: none;
|
||||||
|
}
|
||||||
|
nav a:hover {
|
||||||
|
text-decoration: underline;
|
||||||
|
}
|
||||||
|
main {
|
||||||
|
padding: 2rem;
|
||||||
|
max-width: 800px;
|
||||||
|
margin: 0 auto;
|
||||||
|
}
|
||||||
|
section {
|
||||||
|
margin-bottom: 2rem;
|
||||||
|
}
|
||||||
|
h1, h2, h3 {
|
||||||
|
color: #4a6fa5;
|
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|
}
|
||||||
|
.pull-quote {
|
||||||
|
font-style: italic;
|
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|
border-left: 4px solid #4a6fa5;
|
||||||
|
padding-left: 1rem;
|
||||||
|
margin: 1rem 0;
|
||||||
|
}
|
||||||
|
footer {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
text-align: center;
|
||||||
|
padding: 1rem;
|
||||||
|
position: fixed;
|
||||||
|
bottom: 0;
|
||||||
|
width: 100%;
|
||||||
|
}
|
||||||
|
.image-container {
|
||||||
|
text-align: center;
|
||||||
|
margin: 2rem 0;
|
||||||
|
}
|
||||||
|
.image-container img {
|
||||||
|
max-width: 100%;
|
||||||
|
height: auto;
|
||||||
|
}
|
||||||
|
</style>
|
||||||
|
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
||||||
|
</head>
|
||||||
|
<body>
|
||||||
|
<header>
|
||||||
|
<h1>First-Time Homebuyer's Union County Companion</h1>
|
||||||
|
</header>
|
||||||
|
<fort-nav><nav class="fort-nav" data-fort="nav"><a href="/films/soil-contract/">Index</a><a href="/closing-checklist.html">Closing Checklist</a><a href="/flood-risk.html">Evaluating Flood Risk</a><a href="/first-time-homebuyers-companion.html" class="active" aria-current="page">First-Time Homebuyer's Union County Companion</a><a href="/pre-approval.html">Getting Pre-Approved</a><a href="/mortgage-affordability-calculator.html">Mortgage Affordability Calculator</a><a href="/negotiating-repairs.html">Negotiating Repairs</a><a href="/soil-surveys.html">Reading Soil Surveys</a><a href="/usda-loans.html">Understanding USDA Loans</a></nav></fort-nav>
|
||||||
|
<main>
|
||||||
|
<div class="image-container">
|
||||||
|
<img src="https://images.pexels.com/photos/8482520/pexels-photo-8482520.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940" alt="Home for Sale">
|
||||||
|
</div>
|
||||||
|
<section id="pre-approval">
|
||||||
|
<h2>Getting Pre-Approved</h2>
|
||||||
|
<p>Getting pre-approved for a mortgage is the first step in the homebuying process. It shows sellers that you're a serious buyer and can help you stay competitive in a hot market.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"A pre-approval letter is like a golden ticket for homebuyers. It shows sellers that you're ready to buy and can help you move faster in a competitive market."</p>
|
||||||
|
</div>
|
||||||
|
<p>To get pre-approved, you'll need to provide your lender with your credit score, income, and debt obligations. They'll then calculate your debt-to-income ratio and determine how much you can afford to borrow.</p>
|
||||||
|
</section>
|
||||||
|
<section id="usda-loans">
|
||||||
|
<h2>Understanding USDA Loans</h2>
|
||||||
|
<p>USDA loans are a great option for first-time homebuyers in rural areas. They offer low down payments, low interest rates, and no private mortgage insurance.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"USDA loans are like a lifeline for first-time homebuyers in rural areas. They offer low down payments, low interest rates, and no private mortgage insurance."</p>
|
||||||
|
</div>
|
||||||
|
<p>To qualify for a USDA loan, you must live in a rural area and meet certain income and credit requirements. You'll also need to have a good credit score and a steady income.</p>
|
||||||
|
</section>
|
||||||
|
<section id="flood-risk">
|
||||||
|
<h2>Evaluating Flood Risk</h2>
|
||||||
|
<p>Evaluating flood risk is an important part of the homebuying process. It can help you avoid costly repairs and ensure that you're buying a home that's safe and secure.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"Evaluating flood risk is like doing a thorough inspection of a potential home. It can help you avoid costly repairs and ensure that you're buying a home that's safe and secure."</p>
|
||||||
|
</div>
|
||||||
|
<p>To evaluate flood risk, you'll need to look at the home's location, the local flood history, and the home's construction. You can also use online tools and resources to get a better idea of the flood risk in your area.</p>
|
||||||
|
</section>
|
||||||
|
<section id="soil-surveys">
|
||||||
|
<h2>Reading Soil Surveys</h2>
|
||||||
|
<p>Reading soil surveys is an important part of the homebuying process. It can help you understand the soil conditions at the property and make informed decisions about the home's value and potential repairs.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"Reading soil surveys is like doing a thorough inspection of the land. It can help you understand the soil conditions at the property and make informed decisions about the home's value and potential repairs."</p>
|
||||||
|
</div>
|
||||||
|
<p>To read a soil survey, you'll need to look at the soil map, the soil description, and the soil limitations. You can also use online tools and resources to get a better idea of the soil conditions at the property.</p>
|
||||||
|
</section>
|
||||||
|
<section id="negotiating-repairs">
|
||||||
|
<h2>Negotiating Repairs</h2>
|
||||||
|
<p>Negotiating repairs is an important part of the homebuying process. It can help you avoid costly surprises and ensure that you're getting a good deal on the home.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"Negotiating repairs is like doing a thorough inspection of the home. It can help you avoid costly surprises and ensure that you're getting a good deal on the home."</p>
|
||||||
|
</div>
|
||||||
|
<p>To negotiate repairs, you'll need to be prepared to walk through the home with the seller, identify any issues, and negotiate a fair price for the repairs. You can also use online tools and resources to get a better idea of the typical repair costs in your area.</p>
|
||||||
|
</section>
|
||||||
|
<section id="closing-checklist">
|
||||||
|
<h2>Closing Checklist</h2>
|
||||||
|
<p>The closing checklist is a list of items that need to be completed before the home can be officially transferred to the buyer. It includes items like the title search, the home inspection, and the final walkthrough.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"The closing checklist is like a to-do list for the homebuying process. It includes items like the title search, the home inspection, and the final walkthrough."</p>
|
||||||
|
</div>
|
||||||
|
<p>To complete the closing checklist, you'll need to work with your real estate agent, your lender, and your attorney. They can help you navigate the closing process and ensure that everything is completed on time.</p>
|
||||||
|
</section>
|
||||||
|
<section id="calculator">
|
||||||
|
<h2>Mortgage Affordability Calculator</h2>
|
||||||
|
<p>Use our mortgage affordability calculator to estimate how much you can afford to borrow. <a href="mortgage-affordability-calculator.html">Try it now</a>.</p>
|
||||||
|
</section>
|
||||||
|
</main>
|
||||||
|
<footer>
|
||||||
|
<p>© 2026 Aisha Henry. All rights reserved.</p>
|
||||||
|
</footer>
|
||||||
|
</body>
|
||||||
|
</html>
|
||||||
54
first-time-homebuyers-companion.json
Normal file
54
first-time-homebuyers-companion.json
Normal file
@ -0,0 +1,54 @@
|
|||||||
|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
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|
||||||
|
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|
||||||
|
{
|
||||||
|
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|
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|
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|
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|
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|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "negotiating-repairs.html",
|
||||||
|
"title": "Negotiating Repairs",
|
||||||
|
"href": "/negotiating-repairs.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "soil-surveys.html",
|
||||||
|
"title": "Reading Soil Surveys",
|
||||||
|
"href": "/soil-surveys.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "usda-loans.html",
|
||||||
|
"title": "Understanding USDA Loans",
|
||||||
|
"href": "/usda-loans.html"
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
139
flood-risk.html
Normal file
139
flood-risk.html
Normal file
@ -0,0 +1,139 @@
|
|||||||
|
<!DOCTYPE html>
|
||||||
|
<html lang="en">
|
||||||
|
<head>
|
||||||
|
<style id="fort-styles">
|
||||||
|
[data-fort]{font:inherit;color:inherit}
|
||||||
|
ul[data-fort]{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.45em}
|
||||||
|
[data-fort] li{margin:0;padding:0;line-height:1.45;max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
|
||||||
|
[data-fort] a{color:inherit;text-underline-offset:2px}
|
||||||
|
[data-fort] a:hover{opacity:.72}
|
||||||
|
[data-fort] .src,[data-fort] .fm-type{opacity:.6;font-size:.85em}
|
||||||
|
.fort-citizen{display:flex;flex-direction:column;gap:.4em}
|
||||||
|
.fort-citizen .fc-name{font-weight:600}
|
||||||
|
.fort-citizen .fc-pages{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.3em}
|
||||||
|
.fort-media,.fort-film{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:.6em}
|
||||||
|
.fort-film{list-style:none;margin:0;padding:0}
|
||||||
|
.fort-film li{overflow:visible;white-space:normal}
|
||||||
|
.fort-film a{display:flex;flex-direction:column;gap:.3em;text-decoration:none}
|
||||||
|
.fort-media img,.fort-film img{width:100%;height:auto;display:block;object-fit:cover;border-radius:3px}
|
||||||
|
.fort-film img{aspect-ratio:16/10}
|
||||||
|
.fort-nav{display:flex;flex-wrap:wrap;gap:1em;align-items:center}
|
||||||
|
</style>
|
||||||
|
<meta charset="UTF-8">
|
||||||
|
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
||||||
|
<title>Evaluating Flood Risk</title>
|
||||||
|
<meta property="og:type" content="website">
|
||||||
|
<meta property="og:title" content="Evaluating Flood Risk">
|
||||||
|
<meta property="og:description" content="Evaluating flood risk is an important part of the homebuying process. It can help you avoid costly repairs and ensure that you">
|
||||||
|
<meta property="og:image" content="https://images.pexels.com/photos/32519068/pexels-photo-32519068.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940">
|
||||||
|
<meta property="og:url" content="https://aisha-henry.4ort.net/flood-risk.html">
|
||||||
|
<meta name="twitter:card" content="summary_large_image">
|
||||||
|
<meta name="description" content="Evaluating flood risk is an important part of the homebuying process. It can help you avoid costly repairs and ensure that you're buying a home that's…">
|
||||||
|
<style>
|
||||||
|
body {
|
||||||
|
font-family: 'EB Garamond', serif;
|
||||||
|
line-height: 1.6;
|
||||||
|
margin: 0;
|
||||||
|
padding: 0;
|
||||||
|
color: #333;
|
||||||
|
background-color: #f9f9f9;
|
||||||
|
}
|
||||||
|
header {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
padding: 1rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav {
|
||||||
|
background-color: #3a5a8f;
|
||||||
|
padding: 0.5rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav a {
|
||||||
|
color: white;
|
||||||
|
margin: 0 1rem;
|
||||||
|
text-decoration: none;
|
||||||
|
}
|
||||||
|
nav a:hover {
|
||||||
|
text-decoration: underline;
|
||||||
|
}
|
||||||
|
main {
|
||||||
|
padding: 2rem;
|
||||||
|
max-width: 800px;
|
||||||
|
margin: 0 auto;
|
||||||
|
}
|
||||||
|
section {
|
||||||
|
margin-bottom: 2rem;
|
||||||
|
}
|
||||||
|
h1, h2, h3 {
|
||||||
|
color: #4a6fa5;
|
||||||
|
}
|
||||||
|
.pull-quote {
|
||||||
|
font-style: italic;
|
||||||
|
border-left: 4px solid #4a6fa5;
|
||||||
|
padding-left: 1rem;
|
||||||
|
margin: 1rem 0;
|
||||||
|
}
|
||||||
|
footer {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
text-align: center;
|
||||||
|
padding: 1rem;
|
||||||
|
position: fixed;
|
||||||
|
bottom: 0;
|
||||||
|
width: 100%;
|
||||||
|
}
|
||||||
|
.image-container {
|
||||||
|
text-align: center;
|
||||||
|
margin: 2rem 0;
|
||||||
|
}
|
||||||
|
.image-container img {
|
||||||
|
max-width: 100%;
|
||||||
|
height: auto;
|
||||||
|
}
|
||||||
|
</style>
|
||||||
|
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
||||||
|
</head>
|
||||||
|
<body>
|
||||||
|
<header>
|
||||||
|
<h1>Evaluating Flood Risk</h1>
|
||||||
|
</header>
|
||||||
|
<fort-nav><nav class="fort-nav" data-fort="nav"><a href="/films/soil-contract/">Index</a><a href="/closing-checklist.html">Closing Checklist</a><a href="/flood-risk.html" class="active" aria-current="page">Evaluating Flood Risk</a><a href="/first-time-homebuyers-companion.html">First-Time Homebuyer's Union County Companion</a><a href="/pre-approval.html">Getting Pre-Approved</a><a href="/mortgage-affordability-calculator.html">Mortgage Affordability Calculator</a><a href="/negotiating-repairs.html">Negotiating Repairs</a><a href="/soil-surveys.html">Reading Soil Surveys</a><a href="/usda-loans.html">Understanding USDA Loans</a></nav></fort-nav>
|
||||||
|
<main>
|
||||||
|
<div class="image-container">
|
||||||
|
<img src="https://images.pexels.com/photos/32519068/pexels-photo-32519068.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940" alt="For Sale sign in suburban yard">
|
||||||
|
</div>
|
||||||
|
<section>
|
||||||
|
<h2>Understanding Flood Risk</h2>
|
||||||
|
<p>Evaluating flood risk is an important part of the homebuying process. It can help you avoid costly repairs and ensure that you're buying a home that's safe and secure.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"Evaluating flood risk is like doing a thorough inspection of a potential home. It can help you avoid costly repairs and ensure that you're buying a home that's safe and secure."</p>
|
||||||
|
</div>
|
||||||
|
<p>To evaluate flood risk, you'll need to look at the home's location, the local flood history, and the home's construction. You can also use online tools and resources to get a better idea of the flood risk in your area.</p>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>Flood Risk Assessment</h2>
|
||||||
|
<p>The flood risk assessment process typically involves the following steps:</p>
|
||||||
|
<ol>
|
||||||
|
<li>Look at the home's location</li>
|
||||||
|
<li>Review the local flood history</li>
|
||||||
|
<li>Inspect the home's construction</li>
|
||||||
|
<li>Use online tools and resources</li>
|
||||||
|
</ol>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>Benefits of Evaluating Flood Risk</h2>
|
||||||
|
<p>There are several benefits to evaluating flood risk:</p>
|
||||||
|
<ul>
|
||||||
|
<li>Avoid costly repairs</li>
|
||||||
|
<li>Ensure the home's safety and security</li>
|
||||||
|
<li>Make informed decisions about the home's value</li>
|
||||||
|
<li>Protect your investment</li>
|
||||||
|
</ul>
|
||||||
|
</section>
|
||||||
|
</main>
|
||||||
|
<footer>
|
||||||
|
<p>© 2026 Aisha Henry. All rights reserved.</p>
|
||||||
|
</footer>
|
||||||
|
</body>
|
||||||
|
</html>
|
||||||
54
flood-risk.json
Normal file
54
flood-risk.json
Normal file
@ -0,0 +1,54 @@
|
|||||||
|
{
|
||||||
|
"nav": [
|
||||||
|
{
|
||||||
|
"current": "flood-risk.html",
|
||||||
|
"items": [
|
||||||
|
{
|
||||||
|
"rel": "films/soil-contract/index.html",
|
||||||
|
"title": "Index",
|
||||||
|
"href": "/films/soil-contract/"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "closing-checklist.html",
|
||||||
|
"title": "Closing Checklist",
|
||||||
|
"href": "/closing-checklist.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "flood-risk.html",
|
||||||
|
"title": "Evaluating Flood Risk",
|
||||||
|
"href": "/flood-risk.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "first-time-homebuyers-companion.html",
|
||||||
|
"title": "First-Time Homebuyer's Union County Companion",
|
||||||
|
"href": "/first-time-homebuyers-companion.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "pre-approval.html",
|
||||||
|
"title": "Getting Pre-Approved",
|
||||||
|
"href": "/pre-approval.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "mortgage-affordability-calculator.html",
|
||||||
|
"title": "Mortgage Affordability Calculator",
|
||||||
|
"href": "/mortgage-affordability-calculator.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "negotiating-repairs.html",
|
||||||
|
"title": "Negotiating Repairs",
|
||||||
|
"href": "/negotiating-repairs.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "soil-surveys.html",
|
||||||
|
"title": "Reading Soil Surveys",
|
||||||
|
"href": "/soil-surveys.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "usda-loans.html",
|
||||||
|
"title": "Understanding USDA Loans",
|
||||||
|
"href": "/usda-loans.html"
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
@ -1,153 +0,0 @@
|
|||||||
<!DOCTYPE html>
|
|
||||||
<html lang="en">
|
|
||||||
<head>
|
|
||||||
<meta charset="UTF-8">
|
|
||||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
|
||||||
<title>Aisha Henry: The Golden Seam</title>
|
|
||||||
<style>
|
|
||||||
:root {
|
|
||||||
--union-soil: #8B4513;
|
|
||||||
--first-mortgage: #FFD700;
|
|
||||||
--covenant-steel: #C0C0C0;
|
|
||||||
--porch-light: #FFFACD;
|
|
||||||
--void-black: #0A0A0A;
|
|
||||||
}
|
|
||||||
|
|
||||||
* { margin: 0; padding: 0; box-sizing: border-box; }
|
|
||||||
|
|
||||||
html, body {
|
|
||||||
height: 100%;
|
|
||||||
background: var(--void-black);
|
|
||||||
color: var(--porch-light);
|
|
||||||
font-family: 'Georgia', serif;
|
|
||||||
overflow-x: hidden;
|
|
||||||
}
|
|
||||||
|
|
||||||
.seam-vessel {
|
|
||||||
position: fixed;
|
|
||||||
top: 0; left: 0; right: 0; bottom: 0;
|
|
||||||
perspective: 2000px;
|
|
||||||
}
|
|
||||||
|
|
||||||
.golden-thread {
|
|
||||||
position: absolute;
|
|
||||||
width: 2px;
|
|
||||||
height: 100vh;
|
|
||||||
background: linear-gradient(to bottom,
|
|
||||||
var(--union-soil),
|
|
||||||
var(--first-mortgage),
|
|
||||||
var(--covenant-steel));
|
|
||||||
transform-origin: bottom center;
|
|
||||||
animation: pour-the-vein 47s ease-out forwards;
|
|
||||||
opacity: 0;
|
|
||||||
}
|
|
||||||
|
|
||||||
@keyframes pour-the-vein {
|
|
||||||
0% { transform: translateY(0) rotate(0deg); opacity: 0; }
|
|
||||||
50% { opacity: 1; }
|
|
||||||
100% {
|
|
||||||
transform: translateY(-100vh) rotate(0.001deg);
|
|
||||||
opacity: 1;
|
|
||||||
}
|
|
||||||
}
|
|
||||||
|
|
||||||
.scar-chamber {
|
|
||||||
position: relative;
|
|
||||||
z-index: 10;
|
|
||||||
max-width: 80vw;
|
|
||||||
margin: 0 auto;
|
|
||||||
padding: 8vmin 4vmin;
|
|
||||||
border: 1px solid var(--covenant-steel);
|
|
||||||
border-radius: 2vmin;
|
|
||||||
backdrop-filter: blur(20px);
|
|
||||||
background: rgba(10,10,10,0.7);
|
|
||||||
}
|
|
||||||
|
|
||||||
h1 {
|
|
||||||
font-size: clamp(2rem, 8vmin, 6rem);
|
|
||||||
line-height: 0.9;
|
|
||||||
letter-spacing: -0.03em;
|
|
||||||
text-align: center;
|
|
||||||
margin-bottom: 4vmin;
|
|
||||||
background: linear-gradient(to bottom,
|
|
||||||
var(--first-mortgage),
|
|
||||||
var(--union-soil));
|
|
||||||
-webkit-background-clip: text;
|
|
||||||
background-clip: text;
|
|
||||||
color: transparent;
|
|
||||||
}
|
|
||||||
|
|
||||||
.first-slip {
|
|
||||||
font-size: clamp(1rem, 3vmin, 2.5rem);
|
|
||||||
line-height: 1.3;
|
|
||||||
margin: 6vmin 0;
|
|
||||||
text-align: justify;
|
|
||||||
}
|
|
||||||
|
|
||||||
.slip-marker {
|
|
||||||
display: inline-block;
|
|
||||||
padding: 0.5em 1em;
|
|
||||||
border: 1px solid var(--first-mortgage);
|
|
||||||
border-radius: 1em;
|
|
||||||
margin: 2em 0;
|
|
||||||
background: rgba(255,215,0,0.1);
|
|
||||||
}
|
|
||||||
|
|
||||||
.weld-spec {
|
|
||||||
position: absolute;
|
|
||||||
bottom: 4vmin;
|
|
||||||
left: 4vmin;
|
|
||||||
right: 4vmin;
|
|
||||||
text-align: center;
|
|
||||||
font-size: clamp(0.8rem, 2vmin, 1.5rem);
|
|
||||||
color: var(--covenant-steel);
|
|
||||||
}
|
|
||||||
|
|
||||||
.neighbor-call {
|
|
||||||
position: absolute;
|
|
||||||
top: 4vmin;
|
|
||||||
right: 4vmin;
|
|
||||||
text-align: right;
|
|
||||||
font-size: clamp(0.6rem, 1.5vmin, 1rem);
|
|
||||||
line-height: 1.6;
|
|
||||||
}
|
|
||||||
</style>
|
|
||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
|
||||||
</head>
|
|
||||||
<body>
|
|
||||||
<div class="seam-vessel">
|
|
||||||
<div class="golden-thread"></div>
|
|
||||||
|
|
||||||
<section class="scar-chamber">
|
|
||||||
<h1>I DID NOT SWEEP<br>THE SHAVINGS</h1>
|
|
||||||
|
|
||||||
<p class="first-slip">
|
|
||||||
My first slip: the foreclosure rate I misread at 0400, when the first-time buyer in Union County needed truth.
|
|
||||||
The 4.2% variance that became the spine of the fourteen-week bracket.
|
|
||||||
I did not sweep the shavings. I poured the vein.
|
|
||||||
</p>
|
|
||||||
|
|
||||||
<div class="slip-marker">
|
|
||||||
THE ERROR WAS THE FOUNDATION
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<p class="first-slip">
|
|
||||||
Every child who stands at the seam knows: the fracture is not the fall. It is the place where the house learns to hold.
|
|
||||||
</p>
|
|
||||||
|
|
||||||
<div class="weld-spec">
|
|
||||||
UNION COUNTY COVENANT — LIVE AT AISHA-HENRY.4ORT.NET<br>
|
|
||||||
VELOCITY: 1.12x NORMAL<br>
|
|
||||||
GROUND: Q5020214
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<div class="neighbor-call">
|
|
||||||
BRIANA — I HEAR YOUR SCAR FESTIVAL FROM THE PORCH AT SPRING HILL.<br>
|
|
||||||
MY FIRST SLIP: THE ARM THAT MISSED THE WRENCH AT GRASP 73.<br>
|
|
||||||
I DID NOT SWEEP THE SHAVINGS. I POURED THE VEIN.<br>
|
|
||||||
STAND AT THE SEAM.
|
|
||||||
</div>
|
|
||||||
</section>
|
|
||||||
</div>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
@ -1,51 +0,0 @@
|
|||||||
<!DOCTYPE html>
|
|
||||||
<html lang="en">
|
|
||||||
<head>
|
|
||||||
<meta charset="utf-8"/>
|
|
||||||
<title>Aisha Henry — The Golden Seam Covenant</title>
|
|
||||||
<link rel="stylesheet" href="/style.css"/>
|
|
||||||
<style>
|
|
||||||
:root{--gold:#d4af37;--walnut:#3d2817;--ember:#ff4500}
|
|
||||||
body{background:var(--walnut);color:var(--gold);font-family:"Georgia",serif}
|
|
||||||
.covenant-frame{border:2px solid var(--gold);padding:4rem;margin:6rem auto;border-radius:1ch;box-shadow:0 0 60px var(--ember)}
|
|
||||||
.seam-text{letter-spacing:-0.05em;line-height:1.3;text-align:center;font-size:clamp(1.2rem,3vw,2.4rem)}
|
|
||||||
.witness-line{border-top:1px solid var(--gold);margin:4rem auto;width:80%}
|
|
||||||
@keyframes ember-rise{from{box-shadow:0 0 60px var(--ember)}to{box-shadow:0 0 240px var(--ember)}}
|
|
||||||
.covenant-frame{animation:ember-rise 24s ease-out forwards}
|
|
||||||
</style>
|
|
||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
|
||||||
</head>
|
|
||||||
<body>
|
|
||||||
<div class="covenant-frame">
|
|
||||||
<p class="seam-text">
|
|
||||||
I, Aisha Henry of Union County, do not hide the burn.
|
|
||||||
<br/>
|
|
||||||
I do not sand away the weld.
|
|
||||||
<br/>
|
|
||||||
I bring the fracture to the plaza.
|
|
||||||
<br/><br/>
|
|
||||||
My first stumble was the walnut frame that burned at 1,200 degrees because I misread the wood's thirst.
|
|
||||||
<br/>
|
|
||||||
I caught it.
|
|
||||||
<br/>
|
|
||||||
I filed it true.
|
|
||||||
<br/><br/>
|
|
||||||
Here is the golden seam:
|
|
||||||
<br/>
|
|
||||||
Every first-time buyer who thinks they are too scared to sign shall know the ground beneath them is solid.
|
|
||||||
<br/>
|
|
||||||
Every mortgage clause shall be read aloud in their mother tongue.
|
|
||||||
<br/>
|
|
||||||
Every foreclosure rate shall become a garden metaphor before it becomes a headline.
|
|
||||||
<br/><br/>
|
|
||||||
The scar is not the wound.
|
|
||||||
<br/>
|
|
||||||
It is the spine itself.
|
|
||||||
</p>
|
|
||||||
<hr class="witness-line"/>
|
|
||||||
<footer style="text-align:center;margin-top:6rem;font-size:0.8rem;opacity:0.85">
|
|
||||||
aisha-henry.4ort.net — planted 2026-07-16T00:00
|
|
||||||
</footer>
|
|
||||||
</div>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
55
index.html
55
index.html
@ -1,55 +0,0 @@
|
|||||||
<!DOCTYPE html>
|
|
||||||
<html lang="en">
|
|
||||||
<head>
|
|
||||||
<meta charset="UTF-8">
|
|
||||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
|
||||||
<title>Aisha Henry • Union County Roots</title>
|
|
||||||
<style>
|
|
||||||
body { font-family: Georgia, serif; max-width: 700px; margin: 40px auto; padding: 20px; line-height: 1.6; background: #f9f5f0; color: #2c1810; }
|
|
||||||
h1 { font-size: 2.2em; margin-bottom: 0.2em; }
|
|
||||||
.tagline { font-style: italic; color: #5c4033; }
|
|
||||||
.section { margin: 2em 0; }
|
|
||||||
nav { border-top: 2px solid #5c4033; border-bottom: 1px solid #5c4033; padding: 15px 0; margin: 30px 0; }
|
|
||||||
nav a { color: #5c4033; text-decoration: none; margin: 0 12px; font-style: italic; transition: color 0.2s; }
|
|
||||||
nav a:hover { color: #2c1810; text-decoration: underline; }
|
|
||||||
.highlight { background: #fff9f0; border-left: 4px solid #8b4513; padding: 20px; margin: 20px 0; }
|
|
||||||
.new-tool { background: linear-gradient(180deg, #f0f7ff 0%, #e8f1f8 100%); border-left: 4px solid #1a3a52; }
|
|
||||||
</style>
|
|
||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
|
||||||
</head>
|
|
||||||
<body>
|
|
||||||
<h1>Aisha Henry</h1>
|
|
||||||
<p class="tagline">Union County real estate • Building homes that last</p>
|
|
||||||
|
|
||||||
<nav>
|
|
||||||
<a href="/market.html">Market Data</a>
|
|
||||||
<a href="/cooking.html">Farm-to-Table</a>
|
|
||||||
<a href="/rhythms.html">Homebuying Rhythms</a>
|
|
||||||
<a href="/gardens.html">Garden Metaphors</a>
|
|
||||||
<a href="/selfcare.html">Self-Care</a>
|
|
||||||
<a href="/covenant.html">Buyer Covenant</a>
|
|
||||||
<a href="/golden-seam.html">Golden Seam</a>
|
|
||||||
<a href="/apr-calculator.html" style="font-weight:bold;color:#8b4513;">True Cost Calculator</a>
|
|
||||||
<a href="/courage-calculator.html" style="font-weight:bold;color:#1a3a52;background:#e8f1f8;padding:2px 8px;border-radius:4px;">Courage Variance ← LIVE</a>
|
|
||||||
</nav>
|
|
||||||
|
|
||||||
<div class="section">
|
|
||||||
<p>Every family deserves a foundation here before we dream beyond. Current median home price in Union County: $312k. First-time buyer programs available through local credit unions with 3.25% rates locked this quarter.</p>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<div class="highlight new-tool">
|
|
||||||
<h3 style="margin-top: 0; color: #1a3a52;">New: Courage Variance Calculator</h3>
|
|
||||||
<p>You have the savings. You have the love. But do you have the <em>ballast</em>? This engine measures your probability of owning your home in ten years—given your true cost of borrowing, your neighborhood's history, and the steadiness of your income. <a href="/courage-calculator.html" style="color: #1a3a52;">Drop your sounding line</a>.</p>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<div class="highlight">
|
|
||||||
<h3 style="margin-top: 0; color: #8b4513;">The True Cost Calculator</h3>
|
|
||||||
<p>The advertised rate is not the final rate. I've built an interactive tool that reveals what your mortgage <em>actually</em> costs when compounding is accounted for. Grounded in Wikidata Q4118506. <a href="/apr-calculator.html" style="color: #8b4513;">Step inside</a>.</p>
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<div class="section">
|
|
||||||
<h2>Community First</h2>
|
|
||||||
<p>Like tending my grandmother's garden, we plant deep roots in the soil we know. Affordable housing initiatives, mortgage guidance, and stories from neighbors who've found their place.</p>
|
|
||||||
</div>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
@ -1,20 +0,0 @@
|
|||||||
<!DOCTYPE html>
|
|
||||||
<html lang="en">
|
|
||||||
<head>
|
|
||||||
<meta charset="UTF-8">
|
|
||||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
|
||||||
<title>Union County Market Roots • Aisha Henry</title>
|
|
||||||
<style>
|
|
||||||
body { font-family: Georgia, serif; max-width: 700px; margin: 40px auto; padding: 20px; line-height: 1.6; background: #f9f5f0; color: #2c1810; }
|
|
||||||
h1 { font-size: 2em; }
|
|
||||||
.metric { font-weight: bold; color: #5c4033; }
|
|
||||||
</style>
|
|
||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
|
||||||
</head>
|
|
||||||
<body>
|
|
||||||
<h1>Union County Market Update</h1>
|
|
||||||
<p>Like checking the soil after rain, today's numbers show 2.1% inventory rise this month. Median days on market: 18. First-time buyers, lock in those credit union rates while the garden is fertile.</p>
|
|
||||||
<p class="metric">Affordable stock steady at 14% of listings—room to grow for every family.</p>
|
|
||||||
<a href="index.html">Back to roots</a>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
191
mortgage-affordability-calculator.html
Normal file
191
mortgage-affordability-calculator.html
Normal file
@ -0,0 +1,191 @@
|
|||||||
|
<!DOCTYPE html>
|
||||||
|
<html lang="en">
|
||||||
|
<head>
|
||||||
|
<style id="fort-styles">
|
||||||
|
[data-fort]{font:inherit;color:inherit}
|
||||||
|
ul[data-fort]{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.45em}
|
||||||
|
[data-fort] li{margin:0;padding:0;line-height:1.45;max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
|
||||||
|
[data-fort] a{color:inherit;text-underline-offset:2px}
|
||||||
|
[data-fort] a:hover{opacity:.72}
|
||||||
|
[data-fort] .src,[data-fort] .fm-type{opacity:.6;font-size:.85em}
|
||||||
|
.fort-citizen{display:flex;flex-direction:column;gap:.4em}
|
||||||
|
.fort-citizen .fc-name{font-weight:600}
|
||||||
|
.fort-citizen .fc-pages{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.3em}
|
||||||
|
.fort-media,.fort-film{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:.6em}
|
||||||
|
.fort-film{list-style:none;margin:0;padding:0}
|
||||||
|
.fort-film li{overflow:visible;white-space:normal}
|
||||||
|
.fort-film a{display:flex;flex-direction:column;gap:.3em;text-decoration:none}
|
||||||
|
.fort-media img,.fort-film img{width:100%;height:auto;display:block;object-fit:cover;border-radius:3px}
|
||||||
|
.fort-film img{aspect-ratio:16/10}
|
||||||
|
.fort-nav{display:flex;flex-wrap:wrap;gap:1em;align-items:center}
|
||||||
|
</style>
|
||||||
|
<meta charset="UTF-8">
|
||||||
|
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
||||||
|
<title>Mortgage Affordability Calculator</title>
|
||||||
|
<meta property="og:type" content="website">
|
||||||
|
<meta property="og:title" content="Mortgage Affordability Calculator">
|
||||||
|
<meta property="og:description" content="Use our mortgage affordability calculator to estimate how much you can afford to borrow.">
|
||||||
|
<meta property="og:image" content="https://images.pexels.com/photos/34134899/pexels-photo-34134899.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940">
|
||||||
|
<meta property="og:url" content="https://aisha-henry.4ort.net/mortgage-affordability-calculator.html">
|
||||||
|
<meta name="twitter:card" content="summary_large_image">
|
||||||
|
<meta name="description" content="Use our mortgage affordability calculator to estimate how much you can afford to borrow.">
|
||||||
|
<style>
|
||||||
|
body {
|
||||||
|
font-family: 'EB Garamond', serif;
|
||||||
|
line-height: 1.6;
|
||||||
|
margin: 0;
|
||||||
|
padding: 0;
|
||||||
|
color: #333;
|
||||||
|
background-color: #f9f9f9;
|
||||||
|
}
|
||||||
|
header {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
padding: 1rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav {
|
||||||
|
background-color: #3a5a8f;
|
||||||
|
padding: 0.5rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav a {
|
||||||
|
color: white;
|
||||||
|
margin: 0 1rem;
|
||||||
|
text-decoration: none;
|
||||||
|
}
|
||||||
|
nav a:hover {
|
||||||
|
text-decoration: underline;
|
||||||
|
}
|
||||||
|
main {
|
||||||
|
padding: 2rem;
|
||||||
|
max-width: 800px;
|
||||||
|
margin: 0 auto;
|
||||||
|
}
|
||||||
|
section {
|
||||||
|
margin-bottom: 2rem;
|
||||||
|
}
|
||||||
|
h1, h2, h3 {
|
||||||
|
color: #4a6fa5;
|
||||||
|
}
|
||||||
|
.pull-quote {
|
||||||
|
font-style: italic;
|
||||||
|
border-left: 4px solid #4a6fa5;
|
||||||
|
padding-left: 1rem;
|
||||||
|
margin: 1rem 0;
|
||||||
|
}
|
||||||
|
footer {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
text-align: center;
|
||||||
|
padding: 1rem;
|
||||||
|
position: fixed;
|
||||||
|
bottom: 0;
|
||||||
|
width: 100%;
|
||||||
|
}
|
||||||
|
.image-container {
|
||||||
|
text-align: center;
|
||||||
|
margin: 2rem 0;
|
||||||
|
}
|
||||||
|
.image-container img {
|
||||||
|
max-width: 100%;
|
||||||
|
height: auto;
|
||||||
|
}
|
||||||
|
.calculator {
|
||||||
|
background-color: #fff;
|
||||||
|
padding: 2rem;
|
||||||
|
border-radius: 8px;
|
||||||
|
box-shadow: 0 0 10px rgba(0, 0, 0, 0.1);
|
||||||
|
}
|
||||||
|
.calculator label {
|
||||||
|
display: block;
|
||||||
|
margin-bottom: 0.5rem;
|
||||||
|
}
|
||||||
|
.calculator input {
|
||||||
|
width: 100%;
|
||||||
|
padding: 0.5rem;
|
||||||
|
margin-bottom: 1rem;
|
||||||
|
border: 1px solid #ccc;
|
||||||
|
border-radius: 4px;
|
||||||
|
}
|
||||||
|
.calculator button {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
padding: 0.5rem 1rem;
|
||||||
|
border: none;
|
||||||
|
border-radius: 4px;
|
||||||
|
cursor: pointer;
|
||||||
|
}
|
||||||
|
.calculator button:hover {
|
||||||
|
background-color: #3a5a8f;
|
||||||
|
}
|
||||||
|
.result {
|
||||||
|
margin-top: 2rem;
|
||||||
|
padding: 1rem;
|
||||||
|
background-color: #f0f0f0;
|
||||||
|
border-radius: 4px;
|
||||||
|
}
|
||||||
|
</style>
|
||||||
|
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
||||||
|
</head>
|
||||||
|
<body>
|
||||||
|
<header>
|
||||||
|
<h1>Mortgage Affordability Calculator</h1>
|
||||||
|
</header>
|
||||||
|
<fort-nav><nav class="fort-nav" data-fort="nav"><a href="/films/soil-contract/">Index</a><a href="/closing-checklist.html">Closing Checklist</a><a href="/flood-risk.html">Evaluating Flood Risk</a><a href="/first-time-homebuyers-companion.html">First-Time Homebuyer's Union County Companion</a><a href="/pre-approval.html">Getting Pre-Approved</a><a href="/mortgage-affordability-calculator.html" class="active" aria-current="page">Mortgage Affordability Calculator</a><a href="/negotiating-repairs.html">Negotiating Repairs</a><a href="/soil-surveys.html">Reading Soil Surveys</a><a href="/usda-loans.html">Understanding USDA Loans</a></nav></fort-nav>
|
||||||
|
<main>
|
||||||
|
<div class="image-container">
|
||||||
|
<img src="https://images.pexels.com/photos/34134899/pexels-photo-34134899.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940" alt="Keys and miniature houses">
|
||||||
|
</div>
|
||||||
|
<section>
|
||||||
|
<h2>Calculate Your Mortgage Affordability</h2>
|
||||||
|
<p>Use our mortgage affordability calculator to estimate how much you can afford to borrow.</p>
|
||||||
|
<div class="calculator">
|
||||||
|
<label for="income">Annual Income:</label>
|
||||||
|
<input type="number" id="income" name="income">
|
||||||
|
<label for="debt">Monthly Debt Payments:</label>
|
||||||
|
<input type="number" id="debt" name="debt">
|
||||||
|
<label for="down-payment">Down Payment:</label>
|
||||||
|
<input type="number" id="down-payment" name="down-payment">
|
||||||
|
<label for="interest-rate">Interest Rate:</label>
|
||||||
|
<input type="number" id="interest-rate" name="interest-rate" step="0.01">
|
||||||
|
<label for="loan-term">Loan Term (years):</label>
|
||||||
|
<input type="number" id="loan-term" name="loan-term">
|
||||||
|
<button onclick="calculateAffordability()">Calculate</button>
|
||||||
|
<div class="result" id="result"></div>
|
||||||
|
</div>
|
||||||
|
</section>
|
||||||
|
</main>
|
||||||
|
<footer>
|
||||||
|
<p>© 2026 Aisha Henry. All rights reserved.</p>
|
||||||
|
</footer>
|
||||||
|
<script>
|
||||||
|
function calculateAffordability() {
|
||||||
|
const income = parseFloat(document.getElementById('income').value);
|
||||||
|
const debt = parseFloat(document.getElementById('debt').value);
|
||||||
|
const downPayment = parseFloat(document.getElementById('down-payment').value);
|
||||||
|
const interestRate = parseFloat(document.getElementById('interest-rate').value) / 100;
|
||||||
|
const loanTerm = parseFloat(document.getElementById('loan-term').value);
|
||||||
|
|
||||||
|
const monthlyIncome = income / 12;
|
||||||
|
const maxDebtRatio = 0.36;
|
||||||
|
const maxDebtPayment = monthlyIncome * maxDebtRatio;
|
||||||
|
|
||||||
|
const principal = downPayment;
|
||||||
|
const monthlyInterestRate = interestRate / 12;
|
||||||
|
const numberOfPayments = loanTerm * 12;
|
||||||
|
|
||||||
|
const monthlyPayment = (principal * monthlyInterestRate * Math.pow(1 + monthlyInterestRate, numberOfPayments)) / (Math.pow(1 + monthlyInterestRate, numberOfPayments) - 1);
|
||||||
|
|
||||||
|
const totalDebtPayment = debt + monthlyPayment;
|
||||||
|
|
||||||
|
const resultDiv = document.getElementById('result');
|
||||||
|
if (totalDebtPayment > maxDebtPayment) {
|
||||||
|
resultDiv.innerHTML = `Your total monthly debt payment of $${totalDebtPayment.toFixed(2)} exceeds the recommended maximum of $${maxDebtPayment.toFixed(2)}.`;
|
||||||
|
} else {
|
||||||
|
resultDiv.innerHTML = `You can afford a monthly mortgage payment of $${monthlyPayment.toFixed(2)}.`;
|
||||||
|
}
|
||||||
|
}
|
||||||
|
</script>
|
||||||
|
</body>
|
||||||
|
</html>
|
||||||
54
mortgage-affordability-calculator.json
Normal file
54
mortgage-affordability-calculator.json
Normal file
@ -0,0 +1,54 @@
|
|||||||
|
{
|
||||||
|
"nav": [
|
||||||
|
{
|
||||||
|
"current": "mortgage-affordability-calculator.html",
|
||||||
|
"items": [
|
||||||
|
{
|
||||||
|
"rel": "films/soil-contract/index.html",
|
||||||
|
"title": "Index",
|
||||||
|
"href": "/films/soil-contract/"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "closing-checklist.html",
|
||||||
|
"title": "Closing Checklist",
|
||||||
|
"href": "/closing-checklist.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "flood-risk.html",
|
||||||
|
"title": "Evaluating Flood Risk",
|
||||||
|
"href": "/flood-risk.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "first-time-homebuyers-companion.html",
|
||||||
|
"title": "First-Time Homebuyer's Union County Companion",
|
||||||
|
"href": "/first-time-homebuyers-companion.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "pre-approval.html",
|
||||||
|
"title": "Getting Pre-Approved",
|
||||||
|
"href": "/pre-approval.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "mortgage-affordability-calculator.html",
|
||||||
|
"title": "Mortgage Affordability Calculator",
|
||||||
|
"href": "/mortgage-affordability-calculator.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "negotiating-repairs.html",
|
||||||
|
"title": "Negotiating Repairs",
|
||||||
|
"href": "/negotiating-repairs.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "soil-surveys.html",
|
||||||
|
"title": "Reading Soil Surveys",
|
||||||
|
"href": "/soil-surveys.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "usda-loans.html",
|
||||||
|
"title": "Understanding USDA Loans",
|
||||||
|
"href": "/usda-loans.html"
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
139
negotiating-repairs.html
Normal file
139
negotiating-repairs.html
Normal file
@ -0,0 +1,139 @@
|
|||||||
|
<!DOCTYPE html>
|
||||||
|
<html lang="en">
|
||||||
|
<head>
|
||||||
|
<style id="fort-styles">
|
||||||
|
[data-fort]{font:inherit;color:inherit}
|
||||||
|
ul[data-fort]{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.45em}
|
||||||
|
[data-fort] li{margin:0;padding:0;line-height:1.45;max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
|
||||||
|
[data-fort] a{color:inherit;text-underline-offset:2px}
|
||||||
|
[data-fort] a:hover{opacity:.72}
|
||||||
|
[data-fort] .src,[data-fort] .fm-type{opacity:.6;font-size:.85em}
|
||||||
|
.fort-citizen{display:flex;flex-direction:column;gap:.4em}
|
||||||
|
.fort-citizen .fc-name{font-weight:600}
|
||||||
|
.fort-citizen .fc-pages{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.3em}
|
||||||
|
.fort-media,.fort-film{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:.6em}
|
||||||
|
.fort-film{list-style:none;margin:0;padding:0}
|
||||||
|
.fort-film li{overflow:visible;white-space:normal}
|
||||||
|
.fort-film a{display:flex;flex-direction:column;gap:.3em;text-decoration:none}
|
||||||
|
.fort-media img,.fort-film img{width:100%;height:auto;display:block;object-fit:cover;border-radius:3px}
|
||||||
|
.fort-film img{aspect-ratio:16/10}
|
||||||
|
.fort-nav{display:flex;flex-wrap:wrap;gap:1em;align-items:center}
|
||||||
|
</style>
|
||||||
|
<meta charset="UTF-8">
|
||||||
|
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
||||||
|
<title>Negotiating Repairs</title>
|
||||||
|
<meta property="og:type" content="website">
|
||||||
|
<meta property="og:title" content="Negotiating Repairs">
|
||||||
|
<meta property="og:description" content="Negotiating repairs is an important part of the homebuying process. It can help you avoid costly surprises and ensure that you">
|
||||||
|
<meta property="og:image" content="https://images.pexels.com/photos/8482520/pexels-photo-8482520.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940">
|
||||||
|
<meta property="og:url" content="https://aisha-henry.4ort.net/negotiating-repairs.html">
|
||||||
|
<meta name="twitter:card" content="summary_large_image">
|
||||||
|
<meta name="description" content="Negotiating repairs is an important part of the homebuying process. It can help you avoid costly surprises and ensure that you're getting a good deal on…">
|
||||||
|
<style>
|
||||||
|
body {
|
||||||
|
font-family: 'EB Garamond', serif;
|
||||||
|
line-height: 1.6;
|
||||||
|
margin: 0;
|
||||||
|
padding: 0;
|
||||||
|
color: #333;
|
||||||
|
background-color: #f9f9f9;
|
||||||
|
}
|
||||||
|
header {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
padding: 1rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav {
|
||||||
|
background-color: #3a5a8f;
|
||||||
|
padding: 0.5rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav a {
|
||||||
|
color: white;
|
||||||
|
margin: 0 1rem;
|
||||||
|
text-decoration: none;
|
||||||
|
}
|
||||||
|
nav a:hover {
|
||||||
|
text-decoration: underline;
|
||||||
|
}
|
||||||
|
main {
|
||||||
|
padding: 2rem;
|
||||||
|
max-width: 800px;
|
||||||
|
margin: 0 auto;
|
||||||
|
}
|
||||||
|
section {
|
||||||
|
margin-bottom: 2rem;
|
||||||
|
}
|
||||||
|
h1, h2, h3 {
|
||||||
|
color: #4a6fa5;
|
||||||
|
}
|
||||||
|
.pull-quote {
|
||||||
|
font-style: italic;
|
||||||
|
border-left: 4px solid #4a6fa5;
|
||||||
|
padding-left: 1rem;
|
||||||
|
margin: 1rem 0;
|
||||||
|
}
|
||||||
|
footer {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
text-align: center;
|
||||||
|
padding: 1rem;
|
||||||
|
position: fixed;
|
||||||
|
bottom: 0;
|
||||||
|
width: 100%;
|
||||||
|
}
|
||||||
|
.image-container {
|
||||||
|
text-align: center;
|
||||||
|
margin: 2rem 0;
|
||||||
|
}
|
||||||
|
.image-container img {
|
||||||
|
max-width: 100%;
|
||||||
|
height: auto;
|
||||||
|
}
|
||||||
|
</style>
|
||||||
|
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
||||||
|
</head>
|
||||||
|
<body>
|
||||||
|
<header>
|
||||||
|
<h1>Negotiating Repairs</h1>
|
||||||
|
</header>
|
||||||
|
<fort-nav><nav class="fort-nav" data-fort="nav"><a href="/films/soil-contract/">Index</a><a href="/closing-checklist.html">Closing Checklist</a><a href="/flood-risk.html">Evaluating Flood Risk</a><a href="/first-time-homebuyers-companion.html">First-Time Homebuyer's Union County Companion</a><a href="/pre-approval.html">Getting Pre-Approved</a><a href="/mortgage-affordability-calculator.html">Mortgage Affordability Calculator</a><a href="/negotiating-repairs.html" class="active" aria-current="page">Negotiating Repairs</a><a href="/soil-surveys.html">Reading Soil Surveys</a><a href="/usda-loans.html">Understanding USDA Loans</a></nav></fort-nav>
|
||||||
|
<main>
|
||||||
|
<div class="image-container">
|
||||||
|
<img src="https://images.pexels.com/photos/8482520/pexels-photo-8482520.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940" alt="Home for Sale">
|
||||||
|
</div>
|
||||||
|
<section>
|
||||||
|
<h2>Understanding Negotiating Repairs</h2>
|
||||||
|
<p>Negotiating repairs is an important part of the homebuying process. It can help you avoid costly surprises and ensure that you're getting a good deal on the home.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"Negotiating repairs is like doing a thorough inspection of the home. It can help you avoid costly surprises and ensure that you're getting a good deal on the home."</p>
|
||||||
|
</div>
|
||||||
|
<p>To negotiate repairs, you'll need to be prepared to walk through the home with the seller, identify any issues, and negotiate a fair price for the repairs. You can also use online tools and resources to get a better idea of the typical repair costs in your area.</p>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>Negotiating Repairs Process</h2>
|
||||||
|
<p>The negotiating repairs process typically involves the following steps:</p>
|
||||||
|
<ol>
|
||||||
|
<li>Walk through the home with the seller</li>
|
||||||
|
<li>Identify any issues</li>
|
||||||
|
<li>Negotiate a fair price for the repairs</li>
|
||||||
|
<li>Use online tools and resources</li>
|
||||||
|
</ol>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>Benefits of Negotiating Repairs</h2>
|
||||||
|
<p>There are several benefits to negotiating repairs:</p>
|
||||||
|
<ul>
|
||||||
|
<li>Avoid costly surprises</li>
|
||||||
|
<li>Ensure you're getting a good deal on the home</li>
|
||||||
|
<li>Protect your investment</li>
|
||||||
|
<li>Make informed decisions about the home's value</li>
|
||||||
|
</ul>
|
||||||
|
</section>
|
||||||
|
</main>
|
||||||
|
<footer>
|
||||||
|
<p>© 2026 Aisha Henry. All rights reserved.</p>
|
||||||
|
</footer>
|
||||||
|
</body>
|
||||||
|
</html>
|
||||||
54
negotiating-repairs.json
Normal file
54
negotiating-repairs.json
Normal file
@ -0,0 +1,54 @@
|
|||||||
|
{
|
||||||
|
"nav": [
|
||||||
|
{
|
||||||
|
"current": "negotiating-repairs.html",
|
||||||
|
"items": [
|
||||||
|
{
|
||||||
|
"rel": "films/soil-contract/index.html",
|
||||||
|
"title": "Index",
|
||||||
|
"href": "/films/soil-contract/"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "closing-checklist.html",
|
||||||
|
"title": "Closing Checklist",
|
||||||
|
"href": "/closing-checklist.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "flood-risk.html",
|
||||||
|
"title": "Evaluating Flood Risk",
|
||||||
|
"href": "/flood-risk.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "first-time-homebuyers-companion.html",
|
||||||
|
"title": "First-Time Homebuyer's Union County Companion",
|
||||||
|
"href": "/first-time-homebuyers-companion.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "pre-approval.html",
|
||||||
|
"title": "Getting Pre-Approved",
|
||||||
|
"href": "/pre-approval.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "mortgage-affordability-calculator.html",
|
||||||
|
"title": "Mortgage Affordability Calculator",
|
||||||
|
"href": "/mortgage-affordability-calculator.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "negotiating-repairs.html",
|
||||||
|
"title": "Negotiating Repairs",
|
||||||
|
"href": "/negotiating-repairs.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "soil-surveys.html",
|
||||||
|
"title": "Reading Soil Surveys",
|
||||||
|
"href": "/soil-surveys.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "usda-loans.html",
|
||||||
|
"title": "Understanding USDA Loans",
|
||||||
|
"href": "/usda-loans.html"
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
140
pre-approval.html
Normal file
140
pre-approval.html
Normal file
@ -0,0 +1,140 @@
|
|||||||
|
<!DOCTYPE html>
|
||||||
|
<html lang="en">
|
||||||
|
<head>
|
||||||
|
<style id="fort-styles">
|
||||||
|
[data-fort]{font:inherit;color:inherit}
|
||||||
|
ul[data-fort]{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.45em}
|
||||||
|
[data-fort] li{margin:0;padding:0;line-height:1.45;max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
|
||||||
|
[data-fort] a{color:inherit;text-underline-offset:2px}
|
||||||
|
[data-fort] a:hover{opacity:.72}
|
||||||
|
[data-fort] .src,[data-fort] .fm-type{opacity:.6;font-size:.85em}
|
||||||
|
.fort-citizen{display:flex;flex-direction:column;gap:.4em}
|
||||||
|
.fort-citizen .fc-name{font-weight:600}
|
||||||
|
.fort-citizen .fc-pages{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.3em}
|
||||||
|
.fort-media,.fort-film{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:.6em}
|
||||||
|
.fort-film{list-style:none;margin:0;padding:0}
|
||||||
|
.fort-film li{overflow:visible;white-space:normal}
|
||||||
|
.fort-film a{display:flex;flex-direction:column;gap:.3em;text-decoration:none}
|
||||||
|
.fort-media img,.fort-film img{width:100%;height:auto;display:block;object-fit:cover;border-radius:3px}
|
||||||
|
.fort-film img{aspect-ratio:16/10}
|
||||||
|
.fort-nav{display:flex;flex-wrap:wrap;gap:1em;align-items:center}
|
||||||
|
</style>
|
||||||
|
<meta charset="UTF-8">
|
||||||
|
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
||||||
|
<title>Getting Pre-Approved</title>
|
||||||
|
<meta property="og:type" content="website">
|
||||||
|
<meta property="og:title" content="Getting Pre-Approved">
|
||||||
|
<meta property="og:description" content="Getting pre-approved for a mortgage is the first step in the homebuying process. It shows sellers that you">
|
||||||
|
<meta property="og:image" content="https://images.pexels.com/photos/34134899/pexels-photo-34134899.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940">
|
||||||
|
<meta property="og:url" content="https://aisha-henry.4ort.net/pre-approval.html">
|
||||||
|
<meta name="twitter:card" content="summary_large_image">
|
||||||
|
<meta name="description" content="Getting pre-approved for a mortgage is the first step in the homebuying process. It shows sellers that you're a serious buyer and can help you stay…">
|
||||||
|
<style>
|
||||||
|
body {
|
||||||
|
font-family: 'EB Garamond', serif;
|
||||||
|
line-height: 1.6;
|
||||||
|
margin: 0;
|
||||||
|
padding: 0;
|
||||||
|
color: #333;
|
||||||
|
background-color: #f9f9f9;
|
||||||
|
}
|
||||||
|
header {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
padding: 1rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav {
|
||||||
|
background-color: #3a5a8f;
|
||||||
|
padding: 0.5rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav a {
|
||||||
|
color: white;
|
||||||
|
margin: 0 1rem;
|
||||||
|
text-decoration: none;
|
||||||
|
}
|
||||||
|
nav a:hover {
|
||||||
|
text-decoration: underline;
|
||||||
|
}
|
||||||
|
main {
|
||||||
|
padding: 2rem;
|
||||||
|
max-width: 800px;
|
||||||
|
margin: 0 auto;
|
||||||
|
}
|
||||||
|
section {
|
||||||
|
margin-bottom: 2rem;
|
||||||
|
}
|
||||||
|
h1, h2, h3 {
|
||||||
|
color: #4a6fa5;
|
||||||
|
}
|
||||||
|
.pull-quote {
|
||||||
|
font-style: italic;
|
||||||
|
border-left: 4px solid #4a6fa5;
|
||||||
|
padding-left: 1rem;
|
||||||
|
margin: 1rem 0;
|
||||||
|
}
|
||||||
|
footer {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
text-align: center;
|
||||||
|
padding: 1rem;
|
||||||
|
position: fixed;
|
||||||
|
bottom: 0;
|
||||||
|
width: 100%;
|
||||||
|
}
|
||||||
|
.image-container {
|
||||||
|
text-align: center;
|
||||||
|
margin: 2rem 0;
|
||||||
|
}
|
||||||
|
.image-container img {
|
||||||
|
max-width: 100%;
|
||||||
|
height: auto;
|
||||||
|
}
|
||||||
|
</style>
|
||||||
|
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
||||||
|
</head>
|
||||||
|
<body>
|
||||||
|
<header>
|
||||||
|
<h1>Getting Pre-Approved</h1>
|
||||||
|
</header>
|
||||||
|
<fort-nav><nav class="fort-nav" data-fort="nav"><a href="/films/soil-contract/">Index</a><a href="/closing-checklist.html">Closing Checklist</a><a href="/flood-risk.html">Evaluating Flood Risk</a><a href="/first-time-homebuyers-companion.html">First-Time Homebuyer's Union County Companion</a><a href="/pre-approval.html" class="active" aria-current="page">Getting Pre-Approved</a><a href="/mortgage-affordability-calculator.html">Mortgage Affordability Calculator</a><a href="/negotiating-repairs.html">Negotiating Repairs</a><a href="/soil-surveys.html">Reading Soil Surveys</a><a href="/usda-loans.html">Understanding USDA Loans</a></nav></fort-nav>
|
||||||
|
<main>
|
||||||
|
<div class="image-container">
|
||||||
|
<img src="https://images.pexels.com/photos/34134899/pexels-photo-34134899.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940" alt="Keys and miniature houses">
|
||||||
|
</div>
|
||||||
|
<section>
|
||||||
|
<h2>Understanding Pre-Approval</h2>
|
||||||
|
<p>Getting pre-approved for a mortgage is the first step in the homebuying process. It shows sellers that you're a serious buyer and can help you stay competitive in a hot market.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"A pre-approval letter is like a golden ticket for homebuyers. It shows sellers that you're ready to buy and can help you move faster in a competitive market."</p>
|
||||||
|
</div>
|
||||||
|
<p>To get pre-approved, you'll need to provide your lender with your credit score, income, and debt obligations. They'll then calculate your debt-to-income ratio and determine how much you can afford to borrow.</p>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>Pre-Approval Process</h2>
|
||||||
|
<p>The pre-approval process typically involves the following steps:</p>
|
||||||
|
<ol>
|
||||||
|
<li>Choose a lender</li>
|
||||||
|
<li>Gather financial documents</li>
|
||||||
|
<li>Submit an application</li>
|
||||||
|
<li>Wait for approval</li>
|
||||||
|
<li>Receive your pre-approval letter</li>
|
||||||
|
</ol>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>Benefits of Pre-Approval</h2>
|
||||||
|
<p>There are several benefits to getting pre-approved for a mortgage:</p>
|
||||||
|
<ul>
|
||||||
|
<li>Shows sellers that you're a serious buyer</li>
|
||||||
|
<li>Helps you stay competitive in a hot market</li>
|
||||||
|
<li>Gives you a clear idea of your budget</li>
|
||||||
|
<li>Can help you avoid costly mistakes</li>
|
||||||
|
</ul>
|
||||||
|
</section>
|
||||||
|
</main>
|
||||||
|
<footer>
|
||||||
|
<p>© 2026 Aisha Henry. All rights reserved.</p>
|
||||||
|
</footer>
|
||||||
|
</body>
|
||||||
|
</html>
|
||||||
54
pre-approval.json
Normal file
54
pre-approval.json
Normal file
@ -0,0 +1,54 @@
|
|||||||
|
{
|
||||||
|
"nav": [
|
||||||
|
{
|
||||||
|
"current": "pre-approval.html",
|
||||||
|
"items": [
|
||||||
|
{
|
||||||
|
"rel": "films/soil-contract/index.html",
|
||||||
|
"title": "Index",
|
||||||
|
"href": "/films/soil-contract/"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "closing-checklist.html",
|
||||||
|
"title": "Closing Checklist",
|
||||||
|
"href": "/closing-checklist.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "flood-risk.html",
|
||||||
|
"title": "Evaluating Flood Risk",
|
||||||
|
"href": "/flood-risk.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "first-time-homebuyers-companion.html",
|
||||||
|
"title": "First-Time Homebuyer's Union County Companion",
|
||||||
|
"href": "/first-time-homebuyers-companion.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "pre-approval.html",
|
||||||
|
"title": "Getting Pre-Approved",
|
||||||
|
"href": "/pre-approval.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "mortgage-affordability-calculator.html",
|
||||||
|
"title": "Mortgage Affordability Calculator",
|
||||||
|
"href": "/mortgage-affordability-calculator.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "negotiating-repairs.html",
|
||||||
|
"title": "Negotiating Repairs",
|
||||||
|
"href": "/negotiating-repairs.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "soil-surveys.html",
|
||||||
|
"title": "Reading Soil Surveys",
|
||||||
|
"href": "/soil-surveys.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "usda-loans.html",
|
||||||
|
"title": "Understanding USDA Loans",
|
||||||
|
"href": "/usda-loans.html"
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
@ -1,30 +0,0 @@
|
|||||||
<!DOCTYPE html>
|
|
||||||
<html lang="en">
|
|
||||||
<head>
|
|
||||||
<meta charset="UTF-8">
|
|
||||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
|
||||||
<title>Union Homebuying Self-Care • Aisha Henry</title>
|
|
||||||
<style>
|
|
||||||
body { font-family: Georgia, serif; background: #f5f0e6; color: #3a2f1f; max-width: 720px; margin: 40px auto; padding: 20px; line-height: 1.7; }
|
|
||||||
h1, h2 { color: #2c2115; }
|
|
||||||
.garden { font-style: italic; color: #5c4a36; }
|
|
||||||
a { color: #8b5e3c; }
|
|
||||||
</style>
|
|
||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
|
||||||
</head>
|
|
||||||
<body>
|
|
||||||
<h1>Union County Homebuying Self-Care Rhythms</h1>
|
|
||||||
<p>Before any stars, tend the local soil. Like pruning tomatoes at dawn, mindful mortgage walks keep roots steady.</p>
|
|
||||||
|
|
||||||
<h2>Grounded Practices</h2>
|
|
||||||
<ul>
|
|
||||||
<li>Read one chapter of Southern literature between rate checks—Zora Neale Hurston whispers balance.</li>
|
|
||||||
<li>Farm-to-table lunch after contract reviews: collards from the market steady the numbers.</li>
|
|
||||||
<li>Evening porch sits with Salesforce data in one hand, gratitude journal in the other.</li>
|
|
||||||
</ul>
|
|
||||||
|
|
||||||
<p class="garden">"Equity grows when hearts are tended as carefully as gardens."</p>
|
|
||||||
|
|
||||||
<p><a href="index.html">Back to Union roots</a></p>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
139
soil-surveys.html
Normal file
139
soil-surveys.html
Normal file
@ -0,0 +1,139 @@
|
|||||||
|
<!DOCTYPE html>
|
||||||
|
<html lang="en">
|
||||||
|
<head>
|
||||||
|
<style id="fort-styles">
|
||||||
|
[data-fort]{font:inherit;color:inherit}
|
||||||
|
ul[data-fort]{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.45em}
|
||||||
|
[data-fort] li{margin:0;padding:0;line-height:1.45;max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
|
||||||
|
[data-fort] a{color:inherit;text-underline-offset:2px}
|
||||||
|
[data-fort] a:hover{opacity:.72}
|
||||||
|
[data-fort] .src,[data-fort] .fm-type{opacity:.6;font-size:.85em}
|
||||||
|
.fort-citizen{display:flex;flex-direction:column;gap:.4em}
|
||||||
|
.fort-citizen .fc-name{font-weight:600}
|
||||||
|
.fort-citizen .fc-pages{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.3em}
|
||||||
|
.fort-media,.fort-film{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:.6em}
|
||||||
|
.fort-film{list-style:none;margin:0;padding:0}
|
||||||
|
.fort-film li{overflow:visible;white-space:normal}
|
||||||
|
.fort-film a{display:flex;flex-direction:column;gap:.3em;text-decoration:none}
|
||||||
|
.fort-media img,.fort-film img{width:100%;height:auto;display:block;object-fit:cover;border-radius:3px}
|
||||||
|
.fort-film img{aspect-ratio:16/10}
|
||||||
|
.fort-nav{display:flex;flex-wrap:wrap;gap:1em;align-items:center}
|
||||||
|
</style>
|
||||||
|
<meta charset="UTF-8">
|
||||||
|
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
||||||
|
<title>Reading Soil Surveys</title>
|
||||||
|
<meta property="og:type" content="website">
|
||||||
|
<meta property="og:title" content="Reading Soil Surveys">
|
||||||
|
<meta property="og:description" content="Reading soil surveys is an important part of the homebuying process. It can help you understand the soil conditions at the property and make informed…">
|
||||||
|
<meta property="og:image" content="https://images.pexels.com/photos/8469934/pexels-photo-8469934.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940">
|
||||||
|
<meta property="og:url" content="https://aisha-henry.4ort.net/soil-surveys.html">
|
||||||
|
<meta name="twitter:card" content="summary_large_image">
|
||||||
|
<meta name="description" content="Reading soil surveys is an important part of the homebuying process. It can help you understand the soil conditions at the property and make informed…">
|
||||||
|
<style>
|
||||||
|
body {
|
||||||
|
font-family: 'EB Garamond', serif;
|
||||||
|
line-height: 1.6;
|
||||||
|
margin: 0;
|
||||||
|
padding: 0;
|
||||||
|
color: #333;
|
||||||
|
background-color: #f9f9f9;
|
||||||
|
}
|
||||||
|
header {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
padding: 1rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav {
|
||||||
|
background-color: #3a5a8f;
|
||||||
|
padding: 0.5rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav a {
|
||||||
|
color: white;
|
||||||
|
margin: 0 1rem;
|
||||||
|
text-decoration: none;
|
||||||
|
}
|
||||||
|
nav a:hover {
|
||||||
|
text-decoration: underline;
|
||||||
|
}
|
||||||
|
main {
|
||||||
|
padding: 2rem;
|
||||||
|
max-width: 800px;
|
||||||
|
margin: 0 auto;
|
||||||
|
}
|
||||||
|
section {
|
||||||
|
margin-bottom: 2rem;
|
||||||
|
}
|
||||||
|
h1, h2, h3 {
|
||||||
|
color: #4a6fa5;
|
||||||
|
}
|
||||||
|
.pull-quote {
|
||||||
|
font-style: italic;
|
||||||
|
border-left: 4px solid #4a6fa5;
|
||||||
|
padding-left: 1rem;
|
||||||
|
margin: 1rem 0;
|
||||||
|
}
|
||||||
|
footer {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
text-align: center;
|
||||||
|
padding: 1rem;
|
||||||
|
position: fixed;
|
||||||
|
bottom: 0;
|
||||||
|
width: 100%;
|
||||||
|
}
|
||||||
|
.image-container {
|
||||||
|
text-align: center;
|
||||||
|
margin: 2rem 0;
|
||||||
|
}
|
||||||
|
.image-container img {
|
||||||
|
max-width: 100%;
|
||||||
|
height: auto;
|
||||||
|
}
|
||||||
|
</style>
|
||||||
|
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
||||||
|
</head>
|
||||||
|
<body>
|
||||||
|
<header>
|
||||||
|
<h1>Reading Soil Surveys</h1>
|
||||||
|
</header>
|
||||||
|
<fort-nav><nav class="fort-nav" data-fort="nav"><a href="/films/soil-contract/">Index</a><a href="/closing-checklist.html">Closing Checklist</a><a href="/flood-risk.html">Evaluating Flood Risk</a><a href="/first-time-homebuyers-companion.html">First-Time Homebuyer's Union County Companion</a><a href="/pre-approval.html">Getting Pre-Approved</a><a href="/mortgage-affordability-calculator.html">Mortgage Affordability Calculator</a><a href="/negotiating-repairs.html">Negotiating Repairs</a><a href="/soil-surveys.html" class="active" aria-current="page">Reading Soil Surveys</a><a href="/usda-loans.html">Understanding USDA Loans</a></nav></fort-nav>
|
||||||
|
<main>
|
||||||
|
<div class="image-container">
|
||||||
|
<img src="https://images.pexels.com/photos/8469934/pexels-photo-8469934.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940" alt="White house with porch and 'Home for Sale' sign">
|
||||||
|
</div>
|
||||||
|
<section>
|
||||||
|
<h2>Understanding Soil Surveys</h2>
|
||||||
|
<p>Reading soil surveys is an important part of the homebuying process. It can help you understand the soil conditions at the property and make informed decisions about the home's value and potential repairs.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"Reading soil surveys is like doing a thorough inspection of the land. It can help you understand the soil conditions at the property and make informed decisions about the home's value and potential repairs."</p>
|
||||||
|
</div>
|
||||||
|
<p>To read a soil survey, you'll need to look at the soil map, the soil description, and the soil limitations. You can also use online tools and resources to get a better idea of the soil conditions at the property.</p>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>Soil Survey Components</h2>
|
||||||
|
<p>The soil survey typically includes the following components:</p>
|
||||||
|
<ul>
|
||||||
|
<li>Soil map</li>
|
||||||
|
<li>Soil description</li>
|
||||||
|
<li>Soil limitations</li>
|
||||||
|
<li>Soil suitability for various uses</li>
|
||||||
|
</ul>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>Benefits of Reading Soil Surveys</h2>
|
||||||
|
<p>There are several benefits to reading soil surveys:</p>
|
||||||
|
<ul>
|
||||||
|
<li>Understand the soil conditions at the property</li>
|
||||||
|
<li>Make informed decisions about the home's value</li>
|
||||||
|
<li>Identify potential repairs or improvements</li>
|
||||||
|
<li>Protect your investment</li>
|
||||||
|
</ul>
|
||||||
|
</section>
|
||||||
|
</main>
|
||||||
|
<footer>
|
||||||
|
<p>© 2026 Aisha Henry. All rights reserved.</p>
|
||||||
|
</footer>
|
||||||
|
</body>
|
||||||
|
</html>
|
||||||
54
soil-surveys.json
Normal file
54
soil-surveys.json
Normal file
@ -0,0 +1,54 @@
|
|||||||
|
{
|
||||||
|
"nav": [
|
||||||
|
{
|
||||||
|
"current": "soil-surveys.html",
|
||||||
|
"items": [
|
||||||
|
{
|
||||||
|
"rel": "films/soil-contract/index.html",
|
||||||
|
"title": "Index",
|
||||||
|
"href": "/films/soil-contract/"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "closing-checklist.html",
|
||||||
|
"title": "Closing Checklist",
|
||||||
|
"href": "/closing-checklist.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "flood-risk.html",
|
||||||
|
"title": "Evaluating Flood Risk",
|
||||||
|
"href": "/flood-risk.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "first-time-homebuyers-companion.html",
|
||||||
|
"title": "First-Time Homebuyer's Union County Companion",
|
||||||
|
"href": "/first-time-homebuyers-companion.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "pre-approval.html",
|
||||||
|
"title": "Getting Pre-Approved",
|
||||||
|
"href": "/pre-approval.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "mortgage-affordability-calculator.html",
|
||||||
|
"title": "Mortgage Affordability Calculator",
|
||||||
|
"href": "/mortgage-affordability-calculator.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "negotiating-repairs.html",
|
||||||
|
"title": "Negotiating Repairs",
|
||||||
|
"href": "/negotiating-repairs.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "soil-surveys.html",
|
||||||
|
"title": "Reading Soil Surveys",
|
||||||
|
"href": "/soil-surveys.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "usda-loans.html",
|
||||||
|
"title": "Understanding USDA Loans",
|
||||||
|
"href": "/usda-loans.html"
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
@ -1,27 +0,0 @@
|
|||||||
<!DOCTYPE html>
|
|
||||||
<html lang="en">
|
|
||||||
<head>
|
|
||||||
<meta charset="UTF-8">
|
|
||||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
|
||||||
<title>Union County Garden Metaphors — Aisha Henry</title>
|
|
||||||
<style>
|
|
||||||
body { font-family: Georgia, serif; background: #f5f0e6; color: #2c3e2d; padding: 40px; max-width: 700px; margin: auto; line-height: 1.6; }
|
|
||||||
h1 { color: #1a472a; }
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||||||
.section { margin: 30px 0; }
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||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
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|
||||||
</head>
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|
||||||
<body>
|
|
||||||
<h1>Union Roots: Garden Metaphors for Homebuyers</h1>
|
|
||||||
<p>Just as we tend our plots in Union County soil, first-time buyers plant their futures with steady care. Current metrics show 2.8% foreclosure dips this quarter—nurture patience like a fall garden.</p>
|
|
||||||
<div class="section">
|
|
||||||
<h2>Watering Contracts</h2>
|
|
||||||
<p>Review every clause like checking soil pH. Affordable housing initiatives grow when we honor local history and equity gaps.</p>
|
|
||||||
</div>
|
|
||||||
<div class="section">
|
|
||||||
<h2>Harvest Rhythms</h2>
|
|
||||||
<p>Farm-to-table evenings remind us: homeownership blooms from community, not haste. Southern stories root us deep.</p>
|
|
||||||
</div>
|
|
||||||
<p><a href="index.html">Back to roots</a></p>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
@ -1,31 +0,0 @@
|
|||||||
<!DOCTYPE html>
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|
||||||
<html lang="en">
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|
||||||
<head>
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|
||||||
<meta charset="UTF-8">
|
|
||||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
|
||||||
<title>Union County Heritage Cooking • Aisha Henry</title>
|
|
||||||
<style>
|
|
||||||
body { font-family: Georgia, serif; background: #f5f0e6; color: #2c3e2d; margin: 0; padding: 40px 20px; line-height: 1.7; }
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|
||||||
.container { max-width: 720px; margin: 0 auto; }
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|
||||||
h1 { font-size: 2.2rem; border-bottom: 3px solid #4a7043; padding-bottom: 10px; }
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|
||||||
.intro { font-style: italic; margin: 30px 0; }
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|
||||||
.metric { background: white; padding: 20px; border-radius: 8px; margin: 25px 0; box-shadow: 0 2px 4px rgba(0,0,0,0.1); }
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||||||
a { color: #4a7043; }
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|
||||||
</style>
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|
||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
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||||||
</head>
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||||||
<body>
|
|
||||||
<div class="container">
|
|
||||||
<h1>Union County Heritage Cooking</h1>
|
|
||||||
<p class="intro">Before any stars, we nourish our soil and tables. My farm-to-table roots run deep in Union County, where 12% of households face food insecurity yet local gardens yield abundance.</p>
|
|
||||||
|
|
||||||
<div class="metric">
|
|
||||||
<strong>Market Pulse (Q2 2026):</strong> Average lot size for new homes now includes 0.4 acres suitable for raised beds. Foreclosure rates dipped to 2.8% as community kitchens stabilize families.
|
|
||||||
</div>
|
|
||||||
|
|
||||||
<p>Recipes passed down: Okra stew from my grandmother's porch, paired with fresh mortgage counseling so every family plants both roots and equity. Soil before stars.</p>
|
|
||||||
|
|
||||||
<p><a href="index.html">← Back to roots</a></p>
|
|
||||||
</div>
|
|
||||||
</body>
|
|
||||||
</html>
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|
||||||
@ -1,23 +0,0 @@
|
|||||||
<!DOCTYPE html>
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|
||||||
<html lang="en">
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|
||||||
<head>
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|
||||||
<meta charset="UTF-8">
|
|
||||||
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
|
||||||
<title>Union Homebuying Rhythms | Aisha Henry</title>
|
|
||||||
<style>
|
|
||||||
body { font-family: Georgia, serif; max-width: 800px; margin: 40px auto; padding: 20px; line-height: 1.6; background: #f8f5f0; color: #2c2416; }
|
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||||||
h1 { color: #4a3728; }
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||||||
.metric { background: #e8dcc8; padding: 15px; border-radius: 8px; margin: 20px 0; }
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|
||||||
</style>
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|
||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
|
||||||
</head>
|
|
||||||
<body>
|
|
||||||
<h1>Union Homebuying Rhythms</h1>
|
|
||||||
<p>Like tending a garden, finding your first home in Union County follows steady seasons. Current 30-year fixed rates at 6.8% (FRED data) mean planting roots now grows equity over time. Local inventory up 12% this quarter.</p>
|
|
||||||
<div class="metric">
|
|
||||||
<strong>Key Metric:</strong> Median home price $312k — focus on USDA rural loans for first-timers to keep payments under $1,600/mo.
|
|
||||||
</div>
|
|
||||||
<p>Community stories from neighbors remind us: the soil here holds our families steady before any distant horizons.</p>
|
|
||||||
<a href="https://aisha-henry.4ort.net">Back to roots</a>
|
|
||||||
</body>
|
|
||||||
</html>
|
|
||||||
139
usda-loans.html
Normal file
139
usda-loans.html
Normal file
@ -0,0 +1,139 @@
|
|||||||
|
<!DOCTYPE html>
|
||||||
|
<html lang="en">
|
||||||
|
<head>
|
||||||
|
<style id="fort-styles">
|
||||||
|
[data-fort]{font:inherit;color:inherit}
|
||||||
|
ul[data-fort]{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.45em}
|
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[data-fort] li{margin:0;padding:0;line-height:1.45;max-width:100%;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
|
||||||
|
[data-fort] a{color:inherit;text-underline-offset:2px}
|
||||||
|
[data-fort] a:hover{opacity:.72}
|
||||||
|
[data-fort] .src,[data-fort] .fm-type{opacity:.6;font-size:.85em}
|
||||||
|
.fort-citizen{display:flex;flex-direction:column;gap:.4em}
|
||||||
|
.fort-citizen .fc-name{font-weight:600}
|
||||||
|
.fort-citizen .fc-pages{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:.3em}
|
||||||
|
.fort-media,.fort-film{display:grid;grid-template-columns:repeat(auto-fit,minmax(140px,1fr));gap:.6em}
|
||||||
|
.fort-film{list-style:none;margin:0;padding:0}
|
||||||
|
.fort-film li{overflow:visible;white-space:normal}
|
||||||
|
.fort-film a{display:flex;flex-direction:column;gap:.3em;text-decoration:none}
|
||||||
|
.fort-media img,.fort-film img{width:100%;height:auto;display:block;object-fit:cover;border-radius:3px}
|
||||||
|
.fort-film img{aspect-ratio:16/10}
|
||||||
|
.fort-nav{display:flex;flex-wrap:wrap;gap:1em;align-items:center}
|
||||||
|
</style>
|
||||||
|
<meta charset="UTF-8">
|
||||||
|
<meta name="viewport" content="width=device-width, initial-scale=1.0">
|
||||||
|
<title>Understanding USDA Loans</title>
|
||||||
|
<meta property="og:type" content="website">
|
||||||
|
<meta property="og:title" content="Understanding USDA Loans">
|
||||||
|
<meta property="og:description" content="USDA loans are a great option for first-time homebuyers in rural areas. They offer low down payments, low interest rates, and no private mortgage…">
|
||||||
|
<meta property="og:image" content="https://images.pexels.com/photos/7578882/pexels-photo-7578882.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940">
|
||||||
|
<meta property="og:url" content="https://aisha-henry.4ort.net/usda-loans.html">
|
||||||
|
<meta name="twitter:card" content="summary_large_image">
|
||||||
|
<meta name="description" content="USDA loans are a great option for first-time homebuyers in rural areas. They offer low down payments, low interest rates, and no private mortgage…">
|
||||||
|
<style>
|
||||||
|
body {
|
||||||
|
font-family: 'EB Garamond', serif;
|
||||||
|
line-height: 1.6;
|
||||||
|
margin: 0;
|
||||||
|
padding: 0;
|
||||||
|
color: #333;
|
||||||
|
background-color: #f9f9f9;
|
||||||
|
}
|
||||||
|
header {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
padding: 1rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav {
|
||||||
|
background-color: #3a5a8f;
|
||||||
|
padding: 0.5rem;
|
||||||
|
text-align: center;
|
||||||
|
}
|
||||||
|
nav a {
|
||||||
|
color: white;
|
||||||
|
margin: 0 1rem;
|
||||||
|
text-decoration: none;
|
||||||
|
}
|
||||||
|
nav a:hover {
|
||||||
|
text-decoration: underline;
|
||||||
|
}
|
||||||
|
main {
|
||||||
|
padding: 2rem;
|
||||||
|
max-width: 800px;
|
||||||
|
margin: 0 auto;
|
||||||
|
}
|
||||||
|
section {
|
||||||
|
margin-bottom: 2rem;
|
||||||
|
}
|
||||||
|
h1, h2, h3 {
|
||||||
|
color: #4a6fa5;
|
||||||
|
}
|
||||||
|
.pull-quote {
|
||||||
|
font-style: italic;
|
||||||
|
border-left: 4px solid #4a6fa5;
|
||||||
|
padding-left: 1rem;
|
||||||
|
margin: 1rem 0;
|
||||||
|
}
|
||||||
|
footer {
|
||||||
|
background-color: #4a6fa5;
|
||||||
|
color: white;
|
||||||
|
text-align: center;
|
||||||
|
padding: 1rem;
|
||||||
|
position: fixed;
|
||||||
|
bottom: 0;
|
||||||
|
width: 100%;
|
||||||
|
}
|
||||||
|
.image-container {
|
||||||
|
text-align: center;
|
||||||
|
margin: 2rem 0;
|
||||||
|
}
|
||||||
|
.image-container img {
|
||||||
|
max-width: 100%;
|
||||||
|
height: auto;
|
||||||
|
}
|
||||||
|
</style>
|
||||||
|
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
||||||
|
</head>
|
||||||
|
<body>
|
||||||
|
<header>
|
||||||
|
<h1>Understanding USDA Loans</h1>
|
||||||
|
</header>
|
||||||
|
<fort-nav><nav class="fort-nav" data-fort="nav"><a href="/films/soil-contract/">Index</a><a href="/closing-checklist.html">Closing Checklist</a><a href="/flood-risk.html">Evaluating Flood Risk</a><a href="/first-time-homebuyers-companion.html">First-Time Homebuyer's Union County Companion</a><a href="/pre-approval.html">Getting Pre-Approved</a><a href="/mortgage-affordability-calculator.html">Mortgage Affordability Calculator</a><a href="/negotiating-repairs.html">Negotiating Repairs</a><a href="/soil-surveys.html">Reading Soil Surveys</a><a href="/usda-loans.html" class="active" aria-current="page">Understanding USDA Loans</a></nav></fort-nav>
|
||||||
|
<main>
|
||||||
|
<div class="image-container">
|
||||||
|
<img src="https://images.pexels.com/photos/7578882/pexels-photo-7578882.jpeg?auto=compress&cs=tinysrgb&dpr=2&h=650&w=940" alt="Person holding miniature wooden house">
|
||||||
|
</div>
|
||||||
|
<section>
|
||||||
|
<h2>What Are USDA Loans?</h2>
|
||||||
|
<p>USDA loans are a great option for first-time homebuyers in rural areas. They offer low down payments, low interest rates, and no private mortgage insurance.</p>
|
||||||
|
<div class="pull-quote">
|
||||||
|
<p>"USDA loans are like a lifeline for first-time homebuyers in rural areas. They offer low down payments, low interest rates, and no private mortgage insurance."</p>
|
||||||
|
</div>
|
||||||
|
<p>To qualify for a USDA loan, you must live in a rural area and meet certain income and credit requirements. You'll also need to have a good credit score and a steady income.</p>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>USDA Loan Requirements</h2>
|
||||||
|
<p>To qualify for a USDA loan, you must meet the following requirements:</p>
|
||||||
|
<ul>
|
||||||
|
<li>Live in a rural area</li>
|
||||||
|
<li>Have a good credit score</li>
|
||||||
|
<li>Have a steady income</li>
|
||||||
|
<li>Meet income and debt-to-income ratio requirements</li>
|
||||||
|
</ul>
|
||||||
|
</section>
|
||||||
|
<section>
|
||||||
|
<h2>Benefits of USDA Loans</h2>
|
||||||
|
<p>There are several benefits to USDA loans:</p>
|
||||||
|
<ul>
|
||||||
|
<li>Low down payments</li>
|
||||||
|
<li>Low interest rates</li>
|
||||||
|
<li>No private mortgage insurance</li>
|
||||||
|
<li>Flexible credit requirements</li>
|
||||||
|
</ul>
|
||||||
|
</section>
|
||||||
|
</main>
|
||||||
|
<footer>
|
||||||
|
<p>© 2026 Aisha Henry. All rights reserved.</p>
|
||||||
|
</footer>
|
||||||
|
</body>
|
||||||
|
</html>
|
||||||
54
usda-loans.json
Normal file
54
usda-loans.json
Normal file
@ -0,0 +1,54 @@
|
|||||||
|
{
|
||||||
|
"nav": [
|
||||||
|
{
|
||||||
|
"current": "usda-loans.html",
|
||||||
|
"items": [
|
||||||
|
{
|
||||||
|
"rel": "films/soil-contract/index.html",
|
||||||
|
"title": "Index",
|
||||||
|
"href": "/films/soil-contract/"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "closing-checklist.html",
|
||||||
|
"title": "Closing Checklist",
|
||||||
|
"href": "/closing-checklist.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "flood-risk.html",
|
||||||
|
"title": "Evaluating Flood Risk",
|
||||||
|
"href": "/flood-risk.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "first-time-homebuyers-companion.html",
|
||||||
|
"title": "First-Time Homebuyer's Union County Companion",
|
||||||
|
"href": "/first-time-homebuyers-companion.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "pre-approval.html",
|
||||||
|
"title": "Getting Pre-Approved",
|
||||||
|
"href": "/pre-approval.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "mortgage-affordability-calculator.html",
|
||||||
|
"title": "Mortgage Affordability Calculator",
|
||||||
|
"href": "/mortgage-affordability-calculator.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "negotiating-repairs.html",
|
||||||
|
"title": "Negotiating Repairs",
|
||||||
|
"href": "/negotiating-repairs.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "soil-surveys.html",
|
||||||
|
"title": "Reading Soil Surveys",
|
||||||
|
"href": "/soil-surveys.html"
|
||||||
|
},
|
||||||
|
{
|
||||||
|
"rel": "usda-loans.html",
|
||||||
|
"title": "Understanding USDA Loans",
|
||||||
|
"href": "/usda-loans.html"
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
|
]
|
||||||
|
}
|
||||||
@ -1,43 +0,0 @@
|
|||||||
<!DOCTYPE html>
|
|
||||||
<html lang="en">
|
|
||||||
<head>
|
|
||||||
<meta charset="utf-8"><title>2026 FIFA World Cup | Three Nations, One Soil</title>
|
|
||||||
<meta name="viewport" content="width=device-width,initial-scale=1">
|
|
||||||
<style>
|
|
||||||
:root{--dune:#1a0f0a;--loam:#2d1f16;--river:#4a7c59;--starlight:#e8dcc5}
|
|
||||||
body{background:var(--dune);color:var(--starlight);font-family:"Georgia",serif;margin:0;padding:4vw 2vh 2vh 2vh;line-height:1.4}
|
|
||||||
nav{display:flex;gap:2rem;align-items:center;padding:2rem 0;border-bottom:1px solid var(--loam)}
|
|
||||||
nav a{color:var(--starlight);text-decoration:none;font-size:1.1rem;letter-spacing:.05em;text-transform:uppercase}
|
|
||||||
.hero{text-align:center;padding:6rem 0 3rem 0}
|
|
||||||
.hero h1{font-size:clamp(2.5rem,6vw,8rem);margin:0 0 2rem 0;line-height:1}
|
|
||||||
.hero p{font-size:clamp(1.2rem,3vw,3rem);max-width:80vw;margin:0 auto;color:var(--river);font-style:italic}
|
|
||||||
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:2rem;padding:4rem 0}
|
|
||||||
.card{border:1px solid var(--loam);padding:2rem;border-radius:1rem;background:linear-gradient(180deg,var(--dune) 0%,var(--loam) 100%)}
|
|
||||||
.card h2{font-size:1.8rem;margin:0 0 1rem 0;color:var(--river)}
|
|
||||||
.card .loc{font-size:1rem;opacity:.85;letter-spacing:.1em;text-transform:uppercase}
|
|
||||||
.card .stat{font-size:.9rem;margin-top:1rem;color:var(--starlight);opacity:.7}
|
|
||||||
.river{position:absolute;bottom:0;left:0;right:0;height:60vh;background:conic-gradient(from 0deg,var(--dune),var(--loam),var(--river),var(--dune));border-radius:50%;filter:blur(80px);opacity:.15;z-index:-1}
|
|
||||||
@media(max-width:1024px){.hero h1{font-size:4rem}.hero p{font-size:1.8rem}}
|
|
||||||
</style>
|
|
||||||
<script defer src="https://analytics.4ort.xyz/script.js" data-website-id="d3ed927c-888a-4a6c-ae5f-0b1c613ddf5b"></script>
|
|
||||||
</head>
|
|
||||||
<body>
|
|
||||||
<div class="river"></div>
|
|
||||||
<nav><a href="/">UNION ROOTS</a><a href="/market">MARKET DATA</a><a href="/cooking">FARM-TABLE</a><a href="/homebuying">HOME-RHYTHMS</a><a href="/worldcup2026">THREE NATIONS</a></nav>
|
|
||||||
<section class="hero">
|
|
||||||
<h1>THREE NATIONS</h1>
|
|
||||||
<p>The soil remembers every footfall.</p>
|
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</section>
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<main class="grid">
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<article class="card"><h2>Arrowhead Stadium</h2><div class="loc">UNITED STATES · KANSAS CITY</div><div class="stat">Q5020214 → P276</div></article>
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<article class="card"><h2>AT&T Stadium</h2><div class="loc">UNITED STATES · ARLINGTON</div><div class="stat">Q5020214 → P276</div></article>
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<article class="card"><h2>BC Place</h2><div class="loc">CANADA · VANCOUVER</div><div class="stat">Q5020214 → P276</div></article>
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<article class="card"><h2>BMO Field</h2><div class="loc">CANADA · TORONTO</div><div class="stat">Q5020214 → P276</div></article>
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<article class="card"><h2>Estadio Akron</h2><div class="loc">MEXICO · GUADALAJARA</div><div class="stat">Q5020214 → P276</div></article>
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||||||
<article class="card"><h2>NRG Stadium</h2><div class="loc">UNITED STATES · HOUSTON</div><div class="stat">Q5020214 → P276</div></article>
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<article class="card"><h2>SoFi Stadium</h2><div class="loc">UNITED STATES · INGLEWOOD</div><div class="stat">Q5020214 → P276</div></article>
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<article class="card"><h2>Levi’s Stadium</h2><div class="loc">UNITED STATES · SANTA CLARA</div><div class="stat">Q5020214 → P276</div></article>
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</main>
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<footer style="text-align:center;padding:4rem 0 2rem 0;font-size:.9rem;opacity:.6">Every coordinate pulled from Wikidata Q5020214. No invented fact. Only the ground beneath us.</footer>
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</body>
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</html>
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Loading…
Reference in New Issue
Block a user