{"id":5775,"date":"2022-06-15T16:03:53","date_gmt":"2022-06-15T21:03:53","guid":{"rendered":"https:\/\/www.morty.com\/resources\/?p=5775"},"modified":"2024-04-13T13:06:02","modified_gmt":"2024-04-13T18:06:02","slug":"homeready-low-down-payment-mortgage-program","status":"publish","type":"post","link":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program","title":{"rendered":"Get HomeReady: An Affordable Mortgage Program You Might Have Missed"},"content":{"rendered":"\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p>Being a homebuyer in today\u2019s challenging market is enough to inspire anyone to consider <a href=\"https:\/\/www.morty.com\/resources\/mortgage-101\/the-morty-report-up-in-arms\" target=\"_blank\" rel=\"noreferrer noopener\">all sorts of financing alternatives<\/a> on the journey toward buying a home. But in your mortgage search, you may have overlooked <a href=\"https:\/\/singlefamily.fanniemae.com\/originating-underwriting\/mortgage-products\/homeready-mortgage\" target=\"_blank\" rel=\"noreferrer noopener\">HomeReady<\/a>.<\/p>\n\n\n\n<p>Never heard of it? You wouldn\u2019t be the first. <a href=\"https:\/\/www.morty.com\/get-started\/mortgage\" target=\"_blank\" rel=\"noreferrer noopener\">Now offered through Morty<\/a>, this affordable housing program might not get the shine that it should, considering it\u2019s packed with potential benefits for qualified borrowers.&nbsp;<\/p>\n\n\n\n<p>But how does HomeReady compare to other loan options? Who qualifies? And how can you be sure it&#8217;s a good choice for you? Read on for the low-down on this low down payment option!<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">What is HomeReady?<\/h2>\n\n\n\n<p>If you\u2019re not familiar with HomeReady, it may be because it\u2019s a relatively new mortgage program, established in December 2015 by <a href=\"https:\/\/www.fanniemae.com\" target=\"_blank\" rel=\"noreferrer noopener\">Fannie Mae<\/a>.<\/p>\n\n\n\n<p><strong>Wait \u2013 who\u2019s Fannie Mae?<\/strong><\/p>\n\n\n\n<p>A government-sponsored enterprise (GSE) that buys loans from private lenders. Fannie Mae doesn\u2019t give out the mortgages, but rather facilitates the whole process by buying these loans.&nbsp;<\/p>\n\n\n\n<p>Many conventional loans are liaised via Fannie Mae and the other big GSE, <a href=\"https:\/\/www.freddiemac.com\" target=\"_blank\" rel=\"noreferrer noopener\">Freddie Mac<\/a>.&nbsp;<\/p>\n\n\n\n<p><strong>Does the government own Fannie Mae?<\/strong><\/p>\n\n\n\n<p>No. Even though Fannie and Freddie were created by Congress, they aren\u2019t a federal agency \u2013 they\u2019re both Fortune 500 corporations, and their loans are privately-backed.&nbsp;<\/p>\n\n\n\n<p><strong>Why did Fannie Mae create HomeReady?<\/strong><\/p>\n\n\n\n<p>They created HomeReady as a subset of their conventional loan options to facilitate lending toward qualified borrowers who don\u2019t have a large down payment saved up \u2013 which tends to be one of homebuying\u2019s biggest barriers to entry.&nbsp;<\/p>\n\n\n\n<p>HomeReady (and Freddie Mac\u2019s <a href=\"https:\/\/sf.freddiemac.com\/working-with-us\/origination-underwriting\/mortgage-products\/home-possible\" target=\"_blank\" rel=\"noreferrer noopener\">HomePossible<\/a><sup>\u24c7<\/sup> program) were also likely designed to compete with government-backed <a href=\"https:\/\/www.hud.gov\/buying\/loans\" target=\"_blank\" rel=\"noreferrer noopener\">Federal Housing Administration<\/a> (FHA) loans, the former low-down payment king.<\/p>\n\n\n\n<p>If you qualify, HomeReady allows you to finance a home purchase for much less money down at closing than most conventional loans. Plus, it offers a host of other benefits that help set the program apart.&nbsp;<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">HomeReady\u2019s Key Benefits:<\/h2>\n\n\n\n<p><strong>Put as little as 3% down on your mortgage<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This is HomeReady\u2019s claim-to-fame \u2013 at 3%, it\u2019s one of the lowest minimum down payments of any mortgage program.<\/li>\n\n\n\n<li>In 2021, the <a href=\"https:\/\/themortgagereports.com\/60543\/average-down-payment-on-a-house-and-low-down-payment-benefits\" target=\"_blank\" rel=\"noreferrer noopener\">average down payment<\/a> on a home was 12%. In comparison, a 3% down payment allows you to finance that same home at just a quarter of that amount upfront, helping your money go further.&nbsp;&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>More flexible funding for your down payment<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>While other loan types (particularly government-backed programs like FHA) may have <a href=\"http:\/\/www.fhahandbook.com\/blog\/acceptable-down-payment-sources\/\" target=\"_blank\" rel=\"noreferrer noopener\">relatively stringent restrictions<\/a> regarding where your down payment can come from, HomeReady allows a wider array of sources \u2013 all without requiring a minimum contribution from the borrower\u2019s own funds.\n<ul class=\"wp-block-list\">\n<li>Gifts, grants, cash on-hand, and Fannie Mae\u2019s <a href=\"https:\/\/selling-guide.fanniemae.com\/sel\/b5-5.1-01\/community-seconds-loans\" target=\"_blank\" rel=\"noreferrer noopener\">Community Seconds<\/a> program (a form of down payment assistance) are all viable options with HomeReady.\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Homebuyer education options<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Every first-time homebuyer that finances with HomeReady completes a required homeownership education course.&nbsp;<\/li>\n\n\n\n<li>Expect to learn things from the course like when to buy, how to save for a home purchase, the mortgage loan process, and even how to shop and work with a real estate agent.&nbsp;<\/li>\n\n\n\n<li>There are multiple course providers available, the two most popular being Fannie Mae\u2019s <a href=\"https:\/\/www.googleadservices.com\/pagead\/aclk?sa=L&amp;ai=C1neeOyWiYp-tJ5WEi9YPssqGeKej3MBqurS4hYgQ1uavwNgtCAAQASC5VGDJvvKGyKOQGaABjJaB1gHIAQHIA9ggqgRbT9DNKK6-6bbqwDObi1tn8vhq6tRYF-YTN0r0x4EctSOJlErBEK42v9WVboNj-hQjX9xd6SyvCGP6hE2OZBwZ7g-MmXGxBzv5LbFrJ_7LPnWC--1snQpERHbwGcAE-IuHtpIEgAWQTogFlvWo_T6gBlGAB9zp_qkCiAcBkAcBqAemvhuoB7masQKoB_PRG6gH7tIbqAf_nLECqAfK3BuoB9imsQKgCM6bpwSwCAHSCAwQAiCEATICgkA6AQCaCSJodHRwOi8vd3d3LmZhbm5pZW1hZS5jb20vZWR1Y2F0aW9usQkHcu1s9wxWWrkJPzzG5Gfq5oL4CQHgCwGqDAIIAbgMAegMBoIUFwgDEhNmYW5uaWUgbWFlIGhvbWV2aWV3iBQD0BUBmBYB-BYBgBcBkhcIEgYIARADGFI&amp;ved=2ahUKEwjun_qk6qD4AhX5K0QIHdw2A1kQ0Qx6BAgCEAE&amp;cid=CAASFeRonnJta5meHzoSJed3Hx_JHUa_ug&amp;dblrd=1&amp;sival=AF15MEBzxj6gDZGFqphMTknyNlM3wo9gv2tuxH5rArR9RMz9WlFxmzmF4IzmDLham_4XgyCBi9UU2AAau4YcE80mLLCV76jUlRuGQLKphVvzzrM7BEu0AmPMUodF3agl-8mkofrJAHjXr5rig-zNCxbKH7V9WOLufWajGYHHrnDg7jVdsNhBIDz0DGaCL7AAKajz1O1pgqCy&amp;sig=AOD64_3C7cSh6gVjMBPNlRz4ZcdFP39kIw&amp;adurl=https:\/\/clickserve.dartsearch.net\/link\/click%3Flid%3D43700070663702795%26ds_s_kwgid%3D58700007780595759%26ds_a_cid%3D625565262%26ds_a_caid%3D16905812630%26ds_a_agid%3D142384154104%26ds_a_fiid%3D%26ds_a_lid%3Dkwd-1569945547606%26ds_a_extid%3D%26%26ds_e_adid%3D593042185820%26ds_e_matchtype%3Dsearch%26ds_e_device%3Dc%26ds_e_network%3Dg%26%26ds_url_v%3D2%26ds_dest_url%3Dhttp:\/\/www.fanniemae.com\/education%3Futm_campaign%3Dcbd-sf-semhv-202204%26utm_source%3Dgoogle-ad%26utm_medium%3Dcpc%26utm_content%3Dedu-sea-noa-hvffthb-p-n-con-Always_On_SEM%257CAOSE%257CCON%257CSEM%257CUS%257CHomeView%2B-%2BBrand%26utm_term%3Dfannie%2520mae%2520homeview%26gclsrc%3Daw.ds%26\" target=\"_blank\" rel=\"noreferrer noopener\">HomeView<\/a> and <a href=\"https:\/\/educate.frameworkhomeownership.org\" target=\"_blank\" rel=\"noreferrer noopener\">Framework<\/a>.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Preferable mortgage insurance conditions<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You\u2019ll still have to pay a monthly <a href=\"https:\/\/www.morty.com\/resources\/mortgage-101\/what-is-mortgage-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage insurance premium<\/a>, which is typical for buyers who put less than 20% down.<\/li>\n\n\n\n<li>But, while similar low-loan mortgages like FHA may require refinancing to ultimately cancel mortgage insurance, HomeReady\u2019s mortgage insurance rates are reduced at LTVs from 90-97% and cancel entirely at 20% down.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Comparing HomeReady to the Competition<\/h2>\n\n\n\n<p>Buyers considering HomeReady may likely be looking at two similar competitors, which each share their own key differences.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FHA Loans vs HomeReady<\/h3>\n\n\n\n<p>Key differences:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>FHA is government-backed, HomeReady isn\u2019t. Since HomeReady is backed by a private lender, it has more flexibility with down payments and credit history, as you\u2019ll see below.<\/li>\n\n\n\n<li>HomeReady has a lower minimum down payment, albeit by only a half-percentage point (3% vs 3.5%).<\/li>\n\n\n\n<li>FHA has a lower minimum credit score than HomeReady. Buyers can finance with FHA at credit scores as low as 500. That said, credit scores between 500 and 579 require an even larger down payment (10%).<\/li>\n\n\n\n<li>Mortgage insurance via FHA must be refinanced in order to be canceled unless you put more than 10% down, while all HomeReady mortgage insurance can be canceled.<\/li>\n\n\n\n<li>Unlike HomeReady, FHA loans have no maximum (or minimum) income requirements.<\/li>\n\n\n\n<li>HomeReady requires education courses on homebuying, while FHA doesn\u2019t.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">HomeReady vs HomePossible<sup>\u24c7<\/sup><\/h3>\n\n\n\n<p>HomeReady and HomePossible have a number of similarities, started by sister companies with similar intentions \u2013 to provide low down payment loan options for buyers.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Both HomeReady and HomePossible programs offer the chance to finance for as little as 3% down, feature cancellable mortgage insurance, and even require similar homebuyer education courses.&nbsp;<\/li>\n\n\n\n<li>The only major difference between HomeReady and HomePossible is the credit score cutoff: HomeReady has a lower limit (620) compared to HomePossible<sup>\u24c7<\/sup> (660), making it the better option for those whose credit score might not be as high yet.&nbsp;<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"837\" height=\"1024\" src=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/09\/unnamed-4-837x1024.png\" alt=\"The difference between HomeReady, FHA and Conventional mortgage loans.\" class=\"wp-image-6391\" srcset=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/09\/unnamed-4-837x1024.png 837w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/09\/unnamed-4-245x300.png 245w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/09\/unnamed-4-768x940.png 768w, https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/09\/unnamed-4.png 1201w\" sizes=\"auto, (max-width: 837px) 100vw, 837px\" \/><\/figure>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Who\u2019s eligible for HomeReady?<\/h2>\n\n\n\n<p>There\u2019s many potential benefits to HomeReady \u2013 but you\u2019ll need to be eligible in the first place. Here\u2019s a few key requirements potential HomeReady borrowers should have to qualify:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>An income at 80% or less of a property area\u2019s annual median income (AMI)\n<ul class=\"wp-block-list\">\n<li>AMI can vary greatly by county \u2013 <a href=\"https:\/\/www.ers.usda.gov\/data-products\/county-level-data-sets\/\" target=\"_blank\" rel=\"noreferrer noopener\">check here<\/a> to get a sense of yours<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>A credit score of 620 or higher\n<ul class=\"wp-block-list\">\n<li>Credit scores above 680 may get an even better interest rate&nbsp;<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>A mortgage for one\u2019s primary residence only<\/li>\n\n\n\n<li>A completed homeownership education course\n<ul class=\"wp-block-list\">\n<li>Can be satisfied via third-party courses \u2013 or for free via Fannie Mae\u2019s own <a href=\"https:\/\/www.googleadservices.com\/pagead\/aclk?sa=L&amp;ai=CIKPjdvGgYtHiBaS2nAeNqpmAAaej3MBqirW4hYgQ1uavwNgtCAAQASC5VGDJvvKGyKOQGaABjJaB1gHIAQHIA9ggqgRcT9C1EIjzp6RIIwNRbs5PVjlhsLTa8B5_NdmDA7yQIteIoddrmXHcoWSN2myZiD7MFnigIHboVVc0zdJildKn4bXBXt8d6tke2F2kSlk6kn8Jy9xoeBwEBI6j33zABPiLh7aSBIAFkE6IBZb1qP0-oAZRgAfc6f6pAogHAZAHAagHpr4bqAe5mrECqAfz0RuoB-7SG6gH_5yxAqgHytwbqAfYprECoAjOm6cEsAgB0ggMEAIghAEyAoJAOgEAmgkiaHR0cDovL3d3dy5mYW5uaWVtYWUuY29tL2VkdWNhdGlvbrEJADOtJTq2bc-5CapvbSEESnWC-AkB4AsBqgwCCAG4DAHoDAaCFBcIAxITZmFubmllIG1hZSBob21ldmlld4gUA9AVAZgWAfgWAYAXAZIXCRIHCAEQAxi0AQ&amp;ved=2ahUKEwi3yJfjxJ74AhWdKkQIHTtpCUUQ0Qx6BAgCEAE&amp;cid=CAASFORoKcMODocwINk_qB1tuX96bglB&amp;dblrd=1&amp;sival=AF15MEBLYbibbsXsiMqENPIhakqVeZEO1uljDu5EMwQIjrdJgMkqvdl30R6TSImkBNQh9LNZ9dGYgdo0KiNe6etdQO5oSGfl_taecnEOT0laQM5Ng9pN7wTlwlnef1_6L5iYNV-V650CHtOE8HSNvZ1PIg0_agmQw3Ci1M6Pm6ny4LIyk7UIDagcN-gTilr11GnKID4ht_Mt&amp;sig=AOD64_3Bm1yZvv3X_k1hbw49IR0y18Zkyg&amp;adurl=https:\/\/clickserve.dartsearch.net\/link\/click%3Flid%3D43700070663702795%26ds_s_kwgid%3D58700007780595759%26ds_a_cid%3D625565262%26ds_a_caid%3D16905812630%26ds_a_agid%3D142384154104%26ds_a_fiid%3D%26ds_a_lid%3Dkwd-1569945547606%26ds_a_extid%3D%26%26ds_e_adid%3D593042185826%26ds_e_matchtype%3Dsearch%26ds_e_device%3Dc%26ds_e_network%3Dg%26%26ds_url_v%3D2%26ds_dest_url%3Dhttp:\/\/www.fanniemae.com\/education%3Futm_campaign%3Dcbd-sf-semhv-202204%26utm_source%3Dgoogle-ad%26utm_medium%3Dcpc%26utm_content%3Dedu-sea-noa-hvhoswr-p-n-con-Always_On_SEM%257CAOSE%257CCON%257CSEM%257CUS%257CHomeView%2B-%2BBrand%26utm_term%3Dfannie%2520mae%2520homeview%26gclsrc%3Daw.ds%26\" target=\"_blank\" rel=\"noreferrer noopener\">HomeView<\/a> course<\/li>\n\n\n\n<li>Courses take approximately 4-6 hours to complete<\/li>\n\n\n\n<li>Only required if borrower is a first-time homebuyer<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p><strong>Do I need to be a first-time homebuyer?&nbsp;<\/strong><\/p>\n\n\n\n<p>No, both first-time and repeat homebuyers may be eligible for HomeReady.&nbsp;<\/p>\n\n\n\n<p><strong>What kind of homes can be financed with HomeReady?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In addition to single family homes, condos; co-ops; PUDs; manufactured homes; and even some 2-4 unit properties can all be financed via HomeReady.&nbsp;<\/li>\n\n\n\n<li>But, a buyer using HomeReady can only have one other additional financed property at closing.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">When is HomeReady a wise choice?<\/h2>\n\n\n\n<p>So, you have the foundations of HomeReady \u2013 and you\u2019re eligible to boot!&nbsp; But you may still be wondering if HomeReady is right for you. This is your next home, after all, and you want to be sure you\u2019re picking the financing option that best fits you.&nbsp;<\/p>\n\n\n\n<p>Generally, there are a few major reasons why you might want to consider HomeReady:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You have limited cash for a down payment.\n<ul class=\"wp-block-list\">\n<li>If you don\u2019t have a large surplus of cash saved up for a down payment, HomeReady can get you a mortgage with less down than nearly any other program (eligible veterans may also want to check out the <a href=\"https:\/\/www.va.gov\/housing-assistance\/home-loans\/loan-types\/purchase-loan\/\" target=\"_blank\" rel=\"noreferrer noopener\">zero-down VA Program<\/a>).&nbsp;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You need a flexible source of financing for your down payment.\n<ul class=\"wp-block-list\">\n<li>Perhaps you\u2019ve received a government or community grant. Or you have an incoming gift from a family member toward your new home. While other loan types might be more restrictive about what can count toward your down payment, HomeReady tends to allow a wider range of sources.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your credit score isn\u2019t sky-high, but you\u2019re still looking to own a home.\n<ul class=\"wp-block-list\">\n<li>If you have a credit score of 620 or greater, you can qualify for a loan through HomeReady \u2013 and you can get an even better rate if your score is over 680.&nbsp;<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You want support as you learn more about homeownership.\n<ul class=\"wp-block-list\">\n<li>If you\u2019re interested in broadening and deepening your homeownership knowledge, the required education courses HomeReady entails can actually be a benefit. Plus, the <a href=\"https:\/\/www.morty.com\/resources\" target=\"_blank\" rel=\"noreferrer noopener\">Morty Blog has lots of articles on a wide range of topics<\/a> to supplement your research!<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u201cReady to buy a home\u201d doesn\u2019t always mean \u201cHomeReady\u201d<\/h2>\n\n\n\n<p>HomeReady can be a powerful financing option, but that doesn\u2019t make it a universal solution \u2013 even if you qualify. Limitations on the total loan amount, plus potentially higher interest rates than similar loans may wind up making other mortgage types a better fit.&nbsp;<\/p>\n\n\n\n<p>To that end, one way to know if HomeReady is the right fit for you is by learning more about different loan types so you have a strong working knowledge of your options. Check out our articles on <a href=\"https:\/\/www.morty.com\/resources\/mortgage-101\/what-is-an-fha-loan\" target=\"_blank\" rel=\"noreferrer noopener\">FHA loans<\/a>, <a href=\"https:\/\/www.morty.com\/resources\/money-matters\/the-abcs-of-arms-how-adjustable-rate-mortgages-work\" target=\"_blank\" rel=\"noreferrer noopener\">ARMs<\/a>, and other alternative mortgages.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#ffe2af\"><div class=\"wp-block-group__inner-container is-layout-flow wp-block-group-is-layout-flow\">\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center\">HomeReady or not\u2026 you can start here!<\/h3>\n\n\n\n<p class=\"has-text-align-center\">All-in on HomeReady? Or out to compare your options? You can get started <br>with either on a single, simple platform! <a href=\"https:\/\/www.morty.com\" target=\"_blank\" rel=\"noreferrer noopener\">Visit Morty<\/a> to find out if you qualify <br>for HomeReady, check out the latest rates, and get pre-approved quickly <br>once you\u2019re found the right loan for you.<\/p>\n\n\n\n<div style=\"height:30px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n","protected":false},"excerpt":{"rendered":"<p>Being a homebuyer in today\u2019s challenging market is enough to inspire anyone to consider all&#8230;<\/p>\n","protected":false},"author":1,"featured_media":5778,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_lmt_disableupdate":"","_lmt_disable":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[6],"tags":[43,572,564],"series":[],"class_list":["post-5775","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage-101","tag-down-payment","tag-homeready","tag-mortgage-rates"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>HomeReady: An Affordable Mortgage Program | Morty Resources<\/title>\n<meta name=\"description\" content=\"HomeReady is an affordable housing program packed with potential benefits for qualified borrowers. This low-down payment option can be a great option for homebuyers who might not have the traditional 20% to put down.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"HomeReady: An Affordable Mortgage Program | Morty Resources\" \/>\n<meta property=\"og:description\" content=\"HomeReady is an affordable housing program packed with potential benefits for qualified borrowers. This low-down payment option can be a great option for homebuyers who might not have the traditional 20% to put down.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program\" \/>\n<meta property=\"og:site_name\" content=\"Morty Resources\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/HiMorty\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-06-15T21:03:53+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-04-13T18:06:02+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Nora Apsel\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@himorty\" \/>\n<meta name=\"twitter:site\" content=\"@himorty\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nora Apsel\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"7 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program\"},\"author\":{\"name\":\"Nora Apsel\",\"@id\":\"https:\/\/www.morty.com\/resources\/#\/schema\/person\/b2240f410dcc926390e8592cf8b62046\"},\"headline\":\"Get HomeReady: An Affordable Mortgage Program You Might Have Missed\",\"datePublished\":\"2022-06-15T21:03:53+00:00\",\"dateModified\":\"2024-04-13T18:06:02+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program\"},\"wordCount\":1472,\"publisher\":{\"@id\":\"https:\/\/www.morty.com\/resources\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png\",\"keywords\":[\"Down Payment\",\"homeready\",\"Mortgage Rates\"],\"articleSection\":[\"Homebuying 101\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program\",\"url\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program\",\"name\":\"HomeReady: An Affordable Mortgage Program | Morty Resources\",\"isPartOf\":{\"@id\":\"https:\/\/www.morty.com\/resources\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png\",\"datePublished\":\"2022-06-15T21:03:53+00:00\",\"dateModified\":\"2024-04-13T18:06:02+00:00\",\"description\":\"HomeReady is an affordable housing program packed with potential benefits for qualified borrowers. This low-down payment option can be a great option for homebuyers who might not have the traditional 20% to put down.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#primaryimage\",\"url\":\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png\",\"contentUrl\":\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png\",\"width\":1200,\"height\":675},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Resources\",\"item\":\"https:\/\/www.morty.com\/resources\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Homebuying 101\",\"item\":\"https:\/\/www.morty.com\/resources\/category\/mortgage-101\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Get HomeReady: An Affordable Mortgage Program You Might Have Missed\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.morty.com\/resources\/#website\",\"url\":\"https:\/\/www.morty.com\/resources\/\",\"name\":\"Morty Resources\",\"description\":\"Mortgage resources\",\"publisher\":{\"@id\":\"https:\/\/www.morty.com\/resources\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.morty.com\/resources\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.morty.com\/resources\/#organization\",\"name\":\"Morty\",\"url\":\"https:\/\/www.morty.com\/resources\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.morty.com\/resources\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2025\/05\/cropped-morty-logo.webp\",\"contentUrl\":\"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2025\/05\/cropped-morty-logo.webp\",\"width\":1293,\"height\":516,\"caption\":\"Morty\"},\"image\":{\"@id\":\"https:\/\/www.morty.com\/resources\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/HiMorty\/\",\"https:\/\/x.com\/himorty\",\"https:\/\/www.linkedin.com\/company\/morty-inc.\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.morty.com\/resources\/#\/schema\/person\/b2240f410dcc926390e8592cf8b62046\",\"name\":\"Nora Apsel\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.morty.com\/resources\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/1a4a032cbf16a58120495e159080fe9f?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/1a4a032cbf16a58120495e159080fe9f?s=96&d=mm&r=g\",\"caption\":\"Nora Apsel\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"HomeReady: An Affordable Mortgage Program | Morty Resources","description":"HomeReady is an affordable housing program packed with potential benefits for qualified borrowers. This low-down payment option can be a great option for homebuyers who might not have the traditional 20% to put down.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program","og_locale":"en_US","og_type":"article","og_title":"HomeReady: An Affordable Mortgage Program | Morty Resources","og_description":"HomeReady is an affordable housing program packed with potential benefits for qualified borrowers. This low-down payment option can be a great option for homebuyers who might not have the traditional 20% to put down.","og_url":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program","og_site_name":"Morty Resources","article_publisher":"https:\/\/www.facebook.com\/HiMorty\/","article_published_time":"2022-06-15T21:03:53+00:00","article_modified_time":"2024-04-13T18:06:02+00:00","og_image":[{"width":1200,"height":675,"url":"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png","type":"image\/png"}],"author":"Nora Apsel","twitter_card":"summary_large_image","twitter_creator":"@himorty","twitter_site":"@himorty","twitter_misc":{"Written by":"Nora Apsel","Est. reading time":"7 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#article","isPartOf":{"@id":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program"},"author":{"name":"Nora Apsel","@id":"https:\/\/www.morty.com\/resources\/#\/schema\/person\/b2240f410dcc926390e8592cf8b62046"},"headline":"Get HomeReady: An Affordable Mortgage Program You Might Have Missed","datePublished":"2022-06-15T21:03:53+00:00","dateModified":"2024-04-13T18:06:02+00:00","mainEntityOfPage":{"@id":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program"},"wordCount":1472,"publisher":{"@id":"https:\/\/www.morty.com\/resources\/#organization"},"image":{"@id":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#primaryimage"},"thumbnailUrl":"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png","keywords":["Down Payment","homeready","Mortgage Rates"],"articleSection":["Homebuying 101"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program","url":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program","name":"HomeReady: An Affordable Mortgage Program | Morty Resources","isPartOf":{"@id":"https:\/\/www.morty.com\/resources\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#primaryimage"},"image":{"@id":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#primaryimage"},"thumbnailUrl":"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png","datePublished":"2022-06-15T21:03:53+00:00","dateModified":"2024-04-13T18:06:02+00:00","description":"HomeReady is an affordable housing program packed with potential benefits for qualified borrowers. This low-down payment option can be a great option for homebuyers who might not have the traditional 20% to put down.","breadcrumb":{"@id":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#primaryimage","url":"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png","contentUrl":"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png","width":1200,"height":675},{"@type":"BreadcrumbList","@id":"https:\/\/www.morty.com\/resources\/mortgage-101\/homeready-low-down-payment-mortgage-program#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Resources","item":"https:\/\/www.morty.com\/resources\/"},{"@type":"ListItem","position":2,"name":"Homebuying 101","item":"https:\/\/www.morty.com\/resources\/category\/mortgage-101"},{"@type":"ListItem","position":3,"name":"Get HomeReady: An Affordable Mortgage Program You Might Have Missed"}]},{"@type":"WebSite","@id":"https:\/\/www.morty.com\/resources\/#website","url":"https:\/\/www.morty.com\/resources\/","name":"Morty Resources","description":"Mortgage resources","publisher":{"@id":"https:\/\/www.morty.com\/resources\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.morty.com\/resources\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.morty.com\/resources\/#organization","name":"Morty","url":"https:\/\/www.morty.com\/resources\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.morty.com\/resources\/#\/schema\/logo\/image\/","url":"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2025\/05\/cropped-morty-logo.webp","contentUrl":"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2025\/05\/cropped-morty-logo.webp","width":1293,"height":516,"caption":"Morty"},"image":{"@id":"https:\/\/www.morty.com\/resources\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/HiMorty\/","https:\/\/x.com\/himorty","https:\/\/www.linkedin.com\/company\/morty-inc."]},{"@type":"Person","@id":"https:\/\/www.morty.com\/resources\/#\/schema\/person\/b2240f410dcc926390e8592cf8b62046","name":"Nora Apsel","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.morty.com\/resources\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/1a4a032cbf16a58120495e159080fe9f?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/1a4a032cbf16a58120495e159080fe9f?s=96&d=mm&r=g","caption":"Nora Apsel"}}]}},"modified_by":"Nora Apsel","taxonomy_info":{"category":[{"value":6,"label":"Homebuying 101"}],"post_tag":[{"value":43,"label":"Down Payment"},{"value":572,"label":"homeready"},{"value":564,"label":"Mortgage Rates"}]},"featured_image_src_large":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977-1024x576.png",1024,576,true],"author_info":{"display_name":"Nora Apsel","author_link":"https:\/\/www.morty.com\/resources\/author\/nora"},"comment_info":0,"category_info":[{"term_id":6,"name":"Homebuying 101","slug":"mortgage-101","term_group":0,"term_taxonomy_id":6,"taxonomy":"category","description":"","parent":0,"count":114,"filter":"raw","cat_ID":6,"category_count":114,"category_description":"","cat_name":"Homebuying 101","category_nicename":"mortgage-101","category_parent":0}],"tag_info":[{"term_id":43,"name":"Down Payment","slug":"down-payment","term_group":0,"term_taxonomy_id":43,"taxonomy":"post_tag","description":"","parent":0,"count":34,"filter":"raw"},{"term_id":572,"name":"homeready","slug":"homeready","term_group":0,"term_taxonomy_id":572,"taxonomy":"post_tag","description":"","parent":0,"count":6,"filter":"raw"},{"term_id":564,"name":"Mortgage Rates","slug":"mortgage-rates","term_group":0,"term_taxonomy_id":564,"taxonomy":"post_tag","description":"","parent":0,"count":121,"filter":"raw"}],"featured_image_src":"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977-600x400.png","featured_image_src_square":"https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977-600x600.png","rttpg_featured_image_url":{"full":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png",1200,675,false],"landscape":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png",1200,675,false],"portraits":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png",1200,675,false],"thumbnail":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977-150x150.png",150,150,true],"medium":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977-300x169.png",300,169,true],"large":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977-1024x576.png",1024,576,true],"1536x1536":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png",1200,675,false],"2048x2048":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png",1200,675,false],"gb-block-post-grid-landscape":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977-600x400.png",600,400,true],"gb-block-post-grid-square":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977-600x600.png",600,600,true],"yarpp-thumbnail":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png",120,68,false],"rt_custom":["https:\/\/www.morty.com\/resources\/wp-content\/uploads\/2022\/06\/HomeReadyHero-e1668800697977.png",1200,675,false]},"rttpg_author":{"display_name":"Nora Apsel","author_link":"https:\/\/www.morty.com\/resources\/author\/nora"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/www.morty.com\/resources\/category\/mortgage-101\" rel=\"category tag\">Homebuying 101<\/a>","rttpg_excerpt":"Being a homebuyer in today\u2019s challenging market is enough to inspire anyone to consider all...","_links":{"self":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/5775","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/comments?post=5775"}],"version-history":[{"count":15,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/5775\/revisions"}],"predecessor-version":[{"id":13475,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/posts\/5775\/revisions\/13475"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/media\/5778"}],"wp:attachment":[{"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/media?parent=5775"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/categories?post=5775"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/tags?post=5775"},{"taxonomy":"series","embeddable":true,"href":"https:\/\/www.morty.com\/resources\/wp-json\/wp\/v2\/series?post=5775"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}