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<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.0 Transitional//EN" "//www.w3.org/TR/REC-html40/loose.dtd">
<html style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; color-scheme: light dark; supported-color-schemes: light dark;">
 <head>
  <meta content="text/html; charset=utf-8" http-equiv="Content-Type"/>
  <style>
   @media screen {
  @font-face {
    font-family: 'ObjectSansHeavy'; font-style: normal; font-weight: 800; src: url('https://inboxflows.com/_/image/https%253A%252F%252Fwww.zillowstatic.com%252Fs3%252Fconstellation-website%252Fpublic%252Fshared%252Ffonts%252Fobject-sans%252Flatest%252Fobject-sans-heavy.woff2/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZ3d3cuemlsbG93cyIsInRpbWUiOjE3ODU2OTYxNTMuNDI5NjEwM30:1wqb8r:vCKv3icFIIj3DYELn84UqSP3o9yZZxL4J2um-yVh4gY') format('woff2'); mso-font-alt: 'Arial Black';
  }
}
body {
padding: 0; margin: 0 auto !important; font-family: Helvetica, Arial, sans-serif !important;
}
.primaryHover:hover {
background: #0041D9 !important;
}
.primaryHoverLight:hover {
background: #F2FAFF !important;
}
.secondaryHoverDark:hover {
background: #0041D9 !important; border-color: #0041D9 !important; color: #ffffff !important;
}
.secondaryHoverLight:hover {
background: #ffffff !important; border-color: #ffffff !important; color: #0041D9 !important;
}
.text-hover:hover {
text-decoration: underline !important;
}
body {
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;
}
body {
height: 100%; margin: 0 auto !important; padding: 0; width: 100%; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale;
}
img {
border: 0 !important; height: auto; line-height: 100%; outline: none; text-decoration: none;
}
img {
-ms-interpolation-mode: bicubic;
}
body[data-outlook-cycle] .image {
width: 36px; height: 36px;
}
@media only screen and (max-width: 599px) {
  u + .body .full-wrap {
    width: 100vw !important;
  }
  u + .body .glist {
    margin-left: 8px !important;
  }
}
@media screen and (min-width: 481px) and (max-width: 600px) {
  .w20m {
    width: 20% !important;
  }
  .faux-position1 {
    margin-top: 17px; margin-left: 40px; display: inline-block;
  }
}
@media screen and (max-width: 480px) {
  * {
    padding: 0;
  }
  body {
    width: 100% !important; text-align: center !important;
  }
  .block {
    display: block !important;
  }
  .hide {
    display: none !important;
  }
  .show {
    display: block !important; max-height: none !important; overflow: visible !important;
  }
  .height18 {
    height: 18px !important;
  }
  .height24 {
    height: 24px !important;
  }
  .height34 {
    height: 34px !important;
  }
  .height120 {
    height: 120px !important;
  }
  .heightauto {
    height: auto !important;
  }
  .width100perc {
    width: 100% !important;
  }
  .width90perc {
    width: 90% !important;
  }
  .width80perc {
    width: 80% !important;
  }
  .width70perc {
    width: 70% !important;
  }
  .width50perc {
    width: 50% !important;
  }
  .width35perc {
    width: 35% !important;
  }
  .width180 {
    width: 180px !important;
  }
  .width129 {
    width: 129px !important;
  }
  .width144 {
    width: 144px !important;
  }
  .width24 {
    width: 24px !important;
  }
  .fluid-100perc {
    width: 100% !important; min-width: 200px !important; max-width: 480px !important;
  }
  .bwidth105 {
    background-size: 105px !important;
  }
  .border202000 {
    border-radius: 20px 20px 0 0 !important;
  }
  .hideRadius {
    border-radius: 0 !important;
  }
  .pad0 {
    padding: 0px !important;
  }
  .padlr0 {
    padding-left: 0px !important; padding-right: 0px !important;
  }
  .padlr10 {
    padding-left: 10px !important; padding-right: 10px !important;
  }
  .padlr20 {
    padding-left: 20px !important; padding-right: 20px !important;
  }
  .padlr24 {
    padding-left: 24px !important; padding-right: 24px !important;
  }
  .padb0 {
    padding-bottom: 0px !important;
  }
  .padb5 {
    padding-bottom: 5px !important;
  }
  .padb8 {
    padding-bottom: 8px !important;
  }
  .padb16 {
    padding-bottom: 16px !important;
  }
  .padb20 {
    padding-bottom: 20px !important;
  }
  .padb24 {
    padding-bottom: 24px !important;
  }
  .padb32 {
    padding-bottom: 32px !important;
  }
  .padt0 {
    padding-top: 0px !important;
  }
  .padt0p {
    padding-top: 0px !important;
  }
  .padt8 {
    padding-top: 8px !important;
  }
  .padt12 {
    padding-top: 12px !important;
  }
  .padt16 {
    padding-top: 16px !important;
  }
  .padt18 {
    padding-top: 18px !important;
  }
  .padt20 {
    padding-top: 20px !important;
  }
  .padt24 {
    padding-top: 24px !important;
  }
  .padt32 {
    padding-top: 32px !important;
  }
  .padt10p {
    padding-top: 10% !important;
  }
  .padt20p {
    padding-top: 20% !important;
  }
  .padt30p {
    padding-top: 30% !important;
  }
  .padt40p {
    padding-top: 40% !important;
  }
  .padt50p {
    padding-top: 50% !important;
  }
  .padt60p {
    padding-top: 60% !important;
  }
  .padt70p {
    padding-top: 70% !important;
  }
  .padt80p {
    padding-top: 80% !important;
  }
  .padt90p {
    padding-top: 90% !important;
  }
  .padt100p {
    padding-top: 100% !important;
  }
  .padr0 {
    padding-right: 0px !important;
  }
  .padr10 {
    padding-right: 10px !important;
  }
  .padr16 {
    padding-right: 16px !important;
  }
  .padr20 {
    padding-right: 20px !important;
  }
  .padr24 {
    padding-right: 24px !important;
  }
  .padr25 {
    padding-right: 25px !important;
  }
  .padr32 {
    padding-right: 32px !important;
  }
  .padr40 {
    padding-right: 40px !important;
  }
  .padl0 {
    padding-left: 0px !important;
  }
  .padl8 {
    padding-left: 8px !important;
  }
  .padl16 {
    padding-left: 16px !important;
  }
  .padl20 {
    padding-left: 20px !important;
  }
  .padl24 {
    padding-left: 24px !important;
  }
  .padl25 {
    padding-left: 25px !important;
  }
  .padl32 {
    padding-left: 32px !important;
  }
  .padl40 {
    padding-left: 40px !important;
  }
  .padl60 {
    padding-left: 60px !important;
  }
  .font16SubHeadline {
    font-size: 16px !important; line-height: 24px !important; font-family: Helvetica, Arial, sans-serif !important; font-weight: 700 !important;
  }
  .font20 {
    font-size: 20px !important; line-height: 24px !important;
  }
  .font24 {
    font-size: 24px !important; line-height: 28px !important;
  }
  .alignleft {
    text-align: left !important;
  }
  .aligncenter {
    text-align: center !important;
  }
  .alignright {
    text-align: right !important;
  }
  .button {
    font-size: 14px !important; line-height: 14px !important; padding: 13px 18px !important;
  }
  .mobileButton {
    font-size: 14px !important; line-height: 36px;
  }
  .dir {
    direction: ltr !important;
  }
  .apple_address a {
    font-family: Helvetica, Arial, sans-serif !important; text-decoration: none !important; font-size: 12px !important; line-height: 16px !important; font-weight: 400 !important;
  }
  .alignLRCenter {
    text-align: center !important; margin: 0 auto !important;
  }
  .background-size {
    background-size: cover !important; background-position: 50% 50% !important;
  }
  img.show {
    display: block !important; height: auto !important;
  }
  td.stack {
    width: 100% !important; display: block !important;
  }
  th.stack {
    width: 100% !important; display: block !important;
  }
}
@media screen and (max-device-width: 480px) {
  * {
    padding: 0;
  }
  body {
    width: 100% !important; text-align: center !important;
  }
  .block {
    display: block !important;
  }
  .hide {
    display: none !important;
  }
  .show {
    display: block !important; max-height: none !important; overflow: visible !important;
  }
  .height18 {
    height: 18px !important;
  }
  .height24 {
    height: 24px !important;
  }
  .height34 {
    height: 34px !important;
  }
  .height120 {
    height: 120px !important;
  }
  .heightauto {
    height: auto !important;
  }
  .width100perc {
    width: 100% !important;
  }
  .width90perc {
    width: 90% !important;
  }
  .width80perc {
    width: 80% !important;
  }
  .width70perc {
    width: 70% !important;
  }
  .width50perc {
    width: 50% !important;
  }
  .width35perc {
    width: 35% !important;
  }
  .width180 {
    width: 180px !important;
  }
  .width129 {
    width: 129px !important;
  }
  .width144 {
    width: 144px !important;
  }
  .width24 {
    width: 24px !important;
  }
  .fluid-100perc {
    width: 100% !important; min-width: 200px !important; max-width: 480px !important;
  }
  .bwidth105 {
    background-size: 105px !important;
  }
  .border202000 {
    border-radius: 20px 20px 0 0 !important;
  }
  .hideRadius {
    border-radius: 0 !important;
  }
  .pad0 {
    padding: 0px !important;
  }
  .padlr0 {
    padding-left: 0px !important; padding-right: 0px !important;
  }
  .padlr10 {
    padding-left: 10px !important; padding-right: 10px !important;
  }
  .padlr20 {
    padding-left: 20px !important; padding-right: 20px !important;
  }
  .padlr24 {
    padding-left: 24px !important; padding-right: 24px !important;
  }
  .padb0 {
    padding-bottom: 0px !important;
  }
  .padb5 {
    padding-bottom: 5px !important;
  }
  .padb8 {
    padding-bottom: 8px !important;
  }
  .padb16 {
    padding-bottom: 16px !important;
  }
  .padb20 {
    padding-bottom: 20px !important;
  }
  .padb24 {
    padding-bottom: 24px !important;
  }
  .padb32 {
    padding-bottom: 32px !important;
  }
  .padt0 {
    padding-top: 0px !important;
  }
  .padt0p {
    padding-top: 0px !important;
  }
  .padt8 {
    padding-top: 8px !important;
  }
  .padt12 {
    padding-top: 12px !important;
  }
  .padt16 {
    padding-top: 16px !important;
  }
  .padt18 {
    padding-top: 18px !important;
  }
  .padt20 {
    padding-top: 20px !important;
  }
  .padt24 {
    padding-top: 24px !important;
  }
  .padt32 {
    padding-top: 32px !important;
  }
  .padt10p {
    padding-top: 10% !important;
  }
  .padt20p {
    padding-top: 20% !important;
  }
  .padt30p {
    padding-top: 30% !important;
  }
  .padt40p {
    padding-top: 40% !important;
  }
  .padt50p {
    padding-top: 50% !important;
  }
  .padt60p {
    padding-top: 60% !important;
  }
  .padt70p {
    padding-top: 70% !important;
  }
  .padt80p {
    padding-top: 80% !important;
  }
  .padt90p {
    padding-top: 90% !important;
  }
  .padt100p {
    padding-top: 100% !important;
  }
  .padr0 {
    padding-right: 0px !important;
  }
  .padr10 {
    padding-right: 10px !important;
  }
  .padr16 {
    padding-right: 16px !important;
  }
  .padr20 {
    padding-right: 20px !important;
  }
  .padr24 {
    padding-right: 24px !important;
  }
  .padr25 {
    padding-right: 25px !important;
  }
  .padr32 {
    padding-right: 32px !important;
  }
  .padr40 {
    padding-right: 40px !important;
  }
  .padl0 {
    padding-left: 0px !important;
  }
  .padl8 {
    padding-left: 8px !important;
  }
  .padl16 {
    padding-left: 16px !important;
  }
  .padl20 {
    padding-left: 20px !important;
  }
  .padl24 {
    padding-left: 24px !important;
  }
  .padl25 {
    padding-left: 25px !important;
  }
  .padl32 {
    padding-left: 32px !important;
  }
  .padl40 {
    padding-left: 40px !important;
  }
  .padl60 {
    padding-left: 60px !important;
  }
  .font16SubHeadline {
    font-size: 16px !important; line-height: 24px !important; font-family: Helvetica, Arial, sans-serif !important; font-weight: 700 !important;
  }
  .font20 {
    font-size: 20px !important; line-height: 24px !important;
  }
  .font24 {
    font-size: 24px !important; line-height: 28px !important;
  }
  .alignleft {
    text-align: left !important;
  }
  .aligncenter {
    text-align: center !important;
  }
  .alignright {
    text-align: right !important;
  }
  .button {
    font-size: 14px !important; line-height: 14px !important; padding: 13px 18px !important;
  }
  .mobileButton {
    font-size: 14px !important; line-height: 36px;
  }
  .dir {
    direction: ltr !important;
  }
  .apple_address a {
    font-family: Helvetica, Arial, sans-serif !important; text-decoration: none !important; font-size: 12px !important; line-height: 16px !important; font-weight: 400 !important;
  }
  .alignLRCenter {
    text-align: center !important; margin: 0 auto !important;
  }
  .background-size {
    background-size: cover !important; background-position: 50% 50% !important;
  }
  img.show {
    display: block !important; height: auto !important;
  }
  td.stack {
    width: 100% !important; display: block !important;
  }
  th.stack {
    width: 100% !important; display: block !important;
  }
}
@media (prefers-color-scheme: dark ) {
  h1 {
    color: #ffffff !important;
  }
  h2 {
    color: #ffffff !important;
  }
  h3 {
    color: #ffffff !important;
  }
  p {
    color: #ffffff !important;
  }
  span {
    color: #ffffff !important;
  }
  a {
    color: #ffffff !important;
  }
  b {
    color: #ffffff !important;
  }
  li {
    color: #ffffff !important;
  }
  .dmclink {
    color: #65B4FF !important;
  }
  .dmcblue400 {
    color: #0041D9 !important;
  }
  .dmcwhite {
    color: #FFFFFe !important;
  }
  .dmcteal400 {
    color: #2DCEBC !important;
  }
  .dmcteal800 {
    color: #053630 !important;
  }
  .dmcgreen300 {
    color: #9FF17B !important;
  }
  .dmcblack {
    color: #0A0A14 !important;
  }
  .dmcgray400 {
    color: #A7A6AB !important;
  }
  .dmcblue500 {
    color: #0041D9 !important;
  }
  .dmcCTAURL {
    color: #65B4FF !important;
  }
  .dmcZBlue {
    color: #0041D9 !important;
  }
  .dmblink {
    border-color: #65B4FF !important;
  }
  .dmbbutton {
    border-color: #0041D9 !important;
  }
  .dmbwhite {
    border-color: #FFFFFe !important;
  }
  .dmbgray500 {
    border-color: #54545A !important;
  }
  .dmbblue500 {
    border-color: #0041D9 !important;
  }
  .dmbyellow500 {
    border-color: #C88205 !important;
  }
  .dmbgreen500 {
    border-color: #128A29 !important;
  }
  .dmbblack {
    border-color: #0A0A14 !important;
  }
  .dmblack {
    background-color: #151516 !important;
  }
  .dmgray600 {
    background-color: #111116 !important;
  }
  .dmgray50 {
    background-color: #F7F7F7 !important;
  }
  .dmgray {
    background-color: #A7A6AB !important;
  }
  .dmbutton {
    background-color: #0041D9 !important;
  }
  .dmblue200 {
    background-color: #E0F2FF !important;
  }
  .dmblue500 {
    background-color: #0041D9 !important;
  }
  .dmblue600 {
    background-color: #111116 !important;
  }
  .dmwhite {
    background-color: #fffffe !important;
  }
  .dmteal800 {
    background-color: #053630 !important;
  }
  .dmteal600 {
    background-color: #136F65 !important;
  }
  .dmteal100 {
    background-color: #CEFDF5 !important;
  }
  .dmpurple500 {
    background-color: #891EFA !important;
  }
  .dmpurple800 {
    background-color: #3B0470 !important;
  }
  .dmblue900 {
    background-color: #001962 !important;
  }
  .dmCTAbutton {
    background-color: #212129 !important;
  }
  .dmorange600 {
    background-color: #D03C0B !important;
  }
  .dmpurple400 {
    background-color: #CA8FFF !important;
  }
  .dmblue400 {
    background-color: #65B4FF !important;
  }
  .dmgray400 {
    background-color: #ADADB6 !important;
  }
  .dmyellow100 {
    background-color: #FFF8E1 !important;
  }
  .dmgreen100 {
    background-color: #D8F4DE !important;
  }
  .dmArrowFilter {
    filter: invert(70%) sepia(84%) saturate(2707%) hue-rotate(185deg) brightness(104%) contrast(102%);
  }
  .dmIconFilter {
    filter: brightness(0) saturate(100%) invert(73%) sepia(31%) saturate(6132%) hue-rotate(187deg) brightness(105%) contrast(106%) !important;
  }
  .secondaryHoverDark:hover .dmclink {
    color: #fffffe !important;
  }
  .secondaryHoverLight:hover .dmcwhite {
    color: #0041D9 !important;
  }
  .dmbnone {
    border-left: 0px !important; border-right: 0px !important; border-top: 0px !important; border-bottom: 0px !important;
  }
  .imgDark {
    display: block !important;
  }
  .imgLight {
    display: none !important;
  }
}
  </style>
 </head>
 <body style="font-family: Helvetica, Arial, sans-serif !important; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; width: 100%; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; margin: 0 auto; padding: 0;">
  <div style="display:none !important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">
   In plain, simple terms.
  </div>
  <div style="display:none !important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">
   ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌     
  </div>
  <p style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
   <!-- zhl tracking parameters  -->
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   Zillow
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                Home buying, simplified
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                Buying a house is a lot. And if it’s your first time, it can feel even more complicated. We’ve broken down the steps you’ll take, starting with pre-qualification — a quick way to get a sense of your budget.
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                  Get pre-qualified
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                   The 5 steps home
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                         Prepare your finances
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                         Avoid taking out any new loans or opening credit cards.
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                         Get pre-qualified
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                         This will give you a sense of what you can afford in as little a 5 minutes
                         <sup style="font-size: 10px; vertical-align: super; line-height: 0; font-family: Helvetica, Arial, sans-serif;">
                          1
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                         .
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                        <h2 align="left" class="dmcblack" style="font-size: 16px; line-height: 24px; font-weight: 700; color: #111116; font-family: Helvetica, Arial, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                         Get pre-approved
                        </h2>
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                         A loan officer from Zillow Home Loans will verify your information and provide a Verified Pre-approval letter for making strong offers while touring.
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                         Apply for a mortgage
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                        <p align="left" class="dmcblack" style="font-size: 16px; line-height: 24px; color: #111116; font-family: Helvetica, Arial, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                         This is the big one. Your Zillow Home Loans loan officer will help you complete and submit a loan application once your offer is accepted.
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                         Close on the home
                        </h2>
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                         The final step in the process where everything becomes official. You’re now a homeowner!
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                        First-time buyer help
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                        From grants to unique programs, here’s how to catch a financial break.
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