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1!function(){try{var a="undefined"!=typeof window?window:"undefined"!=typeof global?global:"undefined"!=typeof globalThis?globalThis:"undefined"!=typeof self?self:{},e=(new a.Error).stack;e&&(a._sentryDebugIds=a._sentryDebugIds||{},a._sentryDebugIds[e]="1adb6b43-1479-4aaa-84b3-50afa632d474",a._sentryDebugIdIdentifier="sentry-dbid-1adb6b43-1479-4aaa-84b3-50afa632d474")}catch(a){}}();"use strict";(self.webpackChunk_N_E=self.webpackChunk_N_E||[]).push([[10514],{10514:(a,e,n)=>{n.d(e,{Y:()=>o});var t=n(43029);function o(){return(0,t.P)()}},39247:(a,e,n)=>{n.d(e,{YZ:()=>o,kg:()=>i,q:()=>t,t:()=>r});let t="en",o=[{code:"en",nativeName:"English"},{code:"es",nativeName:"Espa\xf1ol"},{code:"zh",nativeName:"中文"},{code:"vi",nativeName:"Tiếng Việt"},{code:"tl",nativeName:"Tagalog"},{code:"ko",nativeName:"한국어"}],i=o.map(a=>a.code),s={en:{"borrower.dashboard.title":"Your dashboard","borrower.dashboard.welcome":"Welcome","borrower.dashboard.goodMorning":"Good morning","borrower.dashboard.goodAfternoon":"Good afternoon","borrower.dashboard.goodEvening":"Good evening","borrower.actions.openConditions":"Action items waiting on you","borrower.actions.allClear":"No open action items","borrower.calculators.title":"Mortgage calculators","borrower.calculators.affordability":"Affordability","borrower.calculators.refiRoi":"Refi ROI","borrower.calculators.monthlyPayment":"Monthly payment","borrower.notifications.empty":"No notifications yet.","borrower.notifications.markAllRead":"Mark all read","borrower.disclosures.title":"Your disclosures","borrower.le.viewAndDownload":"View and download","borrower.cd.acknowledgeRequired":"Please acknowledge before signing","borrower.cd.threeDayWait":"3-business-day waiting period","borrower.push.enable":"Get a ping when something changes","borrower.push.alreadyOn":"Push notifications on","borrower.timeline.title":"Your loan timeline","borrower.closingRoom.title":"Closing room","borrower.closingRoom.scheduleNotary":"Schedule notary","borrower.closingRoom.openSigningPortal":"Open signing portal","borrower.preQual.cta":"Get my pre-qual","borrower.preQual.noFicoImpact":"No FICO impact","borrower.insurance.title":"Homeowners insurance","borrower.insurance.applyNow":"Apply","borrower.uploadDoc":"Upload document","borrower.connectBank":"Connect bank","common.cancel":"Cancel","common.save":"Save","common.back":"Back","common.next":"Next","common.done":"Done","common.startApplication":"Start your application","common.viewDetails":"View details","common.askVera":"Ask Breeze","common.refresh":"Refresh","common.openInbox":"Open inbox","auth.signIn":"Sign in","auth.signOut":"Sign out","nav.rates":"Rates","nav.calculators":"Calculators","nav.dashboard":"Dashboard","nav.documents":"Documents","nav.conditions":"Conditions","nav.loanOptions":"Loan Options","nav.askVera":"Ask Breeze","nav.pricing":"Pricing","nav.home":"Home","nav.resources":"Resources","nav.support":"Support","nav.login":"Login","nav.getStarted":"Get Started","nav.createAccount":"Create account","nav.openMenu":"Open menu","nav.navigation":"Navigation","nav.themeWait":"Please wait...","nav.darkMode":"Dark Mode","nav.midnightMode":"Midnight Mode","nav.lightMode":"Light Mode","dashboard.loanId":"Your loan ID:","dashboard.group.progress.title":"Your progress & next steps","dashboard.group.progress.subtitle":"Where your loan stands and what we need from you","dashboard.group.numbers.title":"Your numbers","dashboard.group.numbers.subtitle":"Payment, affordability and loan health","dashboard.group.closing.title":"Closing","dashboard.group.closing.subtitle":"Your closing date, costs and what to bring","dashboard.group.team.title":"Your team & messages","dashboard.group.team.subtitle":"Your loan officer, co-borrowers and messages","dashboard.group.documents.title":"Documents & resources","dashboard.group.documents.subtitle":"Disclosures, payment method, referrals and guides","dashboard.overview":"Overview","dashboard.stages":"Stages","dashboard.finishAppToUnlock":"Finish your application to open your dashboard overview","dashboard.messageLoanOfficer":"Message your loan officer","dashboard.helpCenter":"Help center","dashboard.askVeraLabel":"Ask Breeze anything about your loan","dashboard.offlineBanner":"You're offline — live updates paused. 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1:"EMAIL","notif.channelSms":"SMS","notif.channelBothLong":"Email + SMS","notif.milestoneSummary":"{active} of {total} milestones active via {channel}","notif.milestone.applicationReceived":"Application Received","notif.milestone.submittedToUW":"Submitted to UW","notif.milestone.approved":"Approved","notif.milestone.conditionsSent":"Conditions Sent","notif.milestone.clearToClose":"Clear to Close","notif.milestone.closingScheduled":"Closing Scheduled","calc.beginLoanApplication":"Begin loan application","calc.heroEyebrow":"Mortgage calculators","calc.heroTitle":"Four quick checks before you talk to your broker","calc.heroSubtitle":"Each tab below answers a different question — what will my payment be, how much house can I afford, is now a good time to refinance, and is buying discount points worth it. The math is the same math your loan officer uses; we've just laid it out so you can see how every input changes the answer.","calc.tabMonthly":"Monthly","calc.tabBuyPoints":"Buy points","calc.askVeraMonthlyLabel":"Ask Breeze about this monthly payment","calc.askVeraMonthlyPrompt":"Walk me through how my monthly payment is calculated and what would change it most.","calc.askVeraAffordabilityLabel":"Ask Breeze about my affordability","calc.askVeraAffordabilityPrompt":"Help me understand what I could afford and what would help me afford more.","calc.askVeraRefiLabel":"Ask Breeze whether this refi makes sense","calc.askVeraRefiPrompt":"Walk me through whether this refi makes sense for my situation and what I'd want to confirm.","calc.askVeraBuyDownLabel":"Ask Breeze if buying points is worth it","calc.askVeraBuyDownPrompt":"Walk me through whether buying discount points makes sense given how long I plan to stay in the home.","calc.whatThisDoes":"What this calculator does","calc.monthlyExplainerBody":"Plugs your loan amount, rate, and term into the standard amortization formula and adds your monthly tax + insurance + HOA. The result is the full monthly cost of owning that home — not just the loan payment.","calc.loanBasics":"Loan basics","calc.homePrice":"Home price","calc.homePriceHint":"The purchase price you're targeting.","calc.downPaymentPct":"Down payment ({pct}%)","calc.downPaymentHint":"Cash you bring to closing. Less than 20% usually means PMI; 0% only on VA / USDA programs.","calc.interestRatePct":"Interest rate (%)","calc.interestRateHint":"The annual rate the lender charges. Locked once you accept terms.","calc.loanTerm":"Loan term","calc.loanTermHint":"How many years to pay off.","calc.unitYr":"yr","calc.taxesInsurance":"Taxes & insurance","calc.propertyTaxRatePct":"Property tax rate (%)","calc.propertyTaxRateHintMonthly":"A percent of home value, billed by your county. Most states are 0.5–2%.","calc.homeInsuranceYear":"Home insurance ($/year)","calc.homeInsuranceHint":"Annual hazard / homeowners policy. Usually paid into escrow with your lender.","calc.hoaFeesMonth":"HOA fees ($/month)","calc.hoaFeesHint":"Monthly community / condo dues, if your home has them. Leave 0 if none.","calc.estimatedMonthlyPayment":"Estimated monthly payment","calc.loanAmountLtv":"Loan amount {amount} \xb7 LTV {ltv}%","calc.paymentBreakdownAria":"Monthly payment breakdown: Principal & interest {pi}, taxes {tax}, insurance {ins}, HOA {hoa}","calc.totalPerMo":"Total / mo","calc.lineprincipalInterest":"Principal & interest","calc.linePiSub":"The actual loan payment","calc.linePropertyTaxes":"Property taxes","calc.lineTaxSub":"County tax, escrowed monthly","calc.lineHomeInsurance":"Home insurance","calc.lineInsSub":"Yearly policy / 12","calc.lineHoaFees":"HOA fees","calc.lineHoaSub":"Monthly community dues","calc.howWeGotThere":"How we got there","calc.monthlyMath1":"Your loan amount is","calc.monthlyMath2":"({home} home minus {down} down).","calc.monthlyMath3":"We amortize that over {months} months at {rate}% to get a P&I of","calc.monthlyMath4":"Add property tax ({rate}% of home value \xf7 12 =","calc.monthlyMath5":"), insurance (annual \xf7 12 =","calc.monthlyMath6":"), and HOA (","calc.monthlyMath7":"), and you land at","calc.monthlyMath8":" — the all-in cost of the home.","calc.perMo":"{amount}/mo","calc.applyForPreApproval":"Apply for pre-approval","calc.affordExplainerBody":"Works the math backwards: starts with your income and existing debts, applies a DTI ceiling (43% conventional, up to 50% on non-QM), and figures out the largest loan you could carry. Then adds your down payment to get the max purchase price.","calc.incomeDebts":"Your income & debts","calc.grossMonthlyIncome":"Gross monthly income ($)","calc.grossMonthlyIncomeHint":"Before-tax monthly income from all sources. Two-earner households: combine.","calc.monthlyDebtPayments":"Monthly debt payments ($)","calc.monthlyDebtPaymentsHint":"Auto, student, credit-card minimums, alimony — anything that shows on a credit report.","calc.cashDownPayment":"Cash down payment ($)","calc.cashDownPaymentHint":"Money you can put down at closing. More cash = bigger maximum house.","calc.loanProperty":"Loan & property","calc.ratePct":"Rate (%)","calc.rateHintAfford":"Today's market rate is roughly 6–7% conventional.","calc.term":"Term","calc.termHintAfford":"Most use 30 years.","calc.propertyTaxRateHintAfford":"Annual rate your county charges; check your target zip code.","calc.insuranceYear":"Insurance ($/year)","calc.insuranceHintAfford":"Annual policy cost. ~$1,200 is typical; coastal or fire-prone zones run higher.","calc.hoaMonth":"HOA ($/month)","calc.hoaHintAfford":"Monthly community dues if applicable. 0 for non-HOA homes.","calc.dtiCeilingPct":"DTI ceiling (%)","calc.dtiCeilingHint":"Max debt-to-income the lender allows. 43% conventional, up to 50% on aggressive non-QM.","calc.youCanAffordUpTo":"You can afford up to","calc.noHeadroomTitle":"Not enough headroom yet","calc.noHeadroomBody":"With ${debts}/mo in existing debts, your DTI is already at or above the {dti}% ceiling. Try lowering debts, increasing income, or raising the DTI cap (some non-QM programs go to 50%).","calc.maxLoanAmount":"Max loan amount","calc.monthlyHousingBudget":"Monthly housing budget","calc.housingBudgetSub":"{dti}% of {income} − debts","calc.totalMonthlyPayment":"Total monthly payment","calc.piTaxInsHoa":"P&I + tax + ins + HOA","calc.affordMath1":"Your gross monthly income of","calc.affordMath2":"at a {dti}% DTI gives you","calc.affordMath3":"for total monthly debts. Subtract your existing","calc.affordMath4":"in debts and you have","calc.affordMath5":"for housing. Working backwards through P&I, taxes, insurance, and HOA gets us a max loan of","calc.affordMath6":"; add your","calc.affordMath7":"down payment for a max purchase price of","calc.refiExplainerBody":"Figures out whether refinancing today actually saves you money. Compares your current P&I to the new payment, accounts for closing costs, and tells you the break-even (how long until savings cover the cost of the refi).","calc.yourCurrentLoan":"Your current loan","calc.outstandingBalance":"Outstanding balance ($)","calc.outstandingBalanceHint":"What you currently owe — find it on your latest mortgage statement.","calc.currentMonthlyPi":"Current monthly P&I ($)","calc.currentMonthlyPiHint":"Just principal + interest, NOT your total mortgage payment. The escrow part doesn't change in a refi.","calc.monthsRemaining":"Months remaining","calc.monthsRemainingHint":"How many months left on your current loan. 360 is a fresh 30-year.","calc.theRefiOffer":"The refi offer","calc.newRatePct":"New rate (%)","calc.newRateHint":"The rate you've been quoted. Lower than your current rate means real savings.","calc.newTermMonths":"New term (months)","calc.newTermHint":"Length of the new loan. 360 = 30 years; 180 = 15. Resetting to 30 lowers payment but costs more long-term.","calc.closingCosts":"Closing costs ($)","calc.closingCostsHint":"Lender fees + 3rd-party costs. Usually 2–5% of the loan amount unless your lender offers no-cost refi.","calc.refiMakesSense":"Refi makes sense","calc.refiBorderline":"Wait — this one's borderline","calc.refiSkip":"Skip — payment goes up","calc.recommendation":"Recommendation","calc.newMonthlyPi":"New monthly P&I","calc.monthlySavings":"Monthly savings","calc.savingsKeepMore":"You keep more each month","calc.savingsHigher":"New payment is higher","calc.breakEven":"Break-even","calc.unitMonthsShort":"{n} mo","calc.breakEvenSubRefi":"Months to recoup closing costs","calc.theLifetimeMath":"The lifetime math","calc.refiMath1":"If you refi today and pay through your remaining {months} months, the net savings (after the {costs} closing costs) would be","calc.refiVerdictRefi":"This refi pays for itself well before your loan ends — usually a green light.","calc.refiVerdictWait":"Break-even is later than you expect to pay this loan. Consider waiting for a bigger rate drop or shopping a no-closing-cost refi.","calc.refiVerdictSkip":"The new rate raises your payment — there's no scenario where this refi pays you back.","calc.getRealRefiQuote":"Get a real refi quote","calc.inputs":"Inputs","calc.loanAmount":"Loan amount","calc.parRate":"Par rate (no points)","calc.parRateHint":"The rate offered with no discount points.","calc.boughtDownRate":"Bought-down rate","calc.boughtDownRateHint":"The lower rate offered if you pay points up front.","calc.pointsAtClosing":"Points at closing","calc.pointsAtClosingHint":"One point = 1% of the loan amount, paid at closing.","calc.unitYears":"years","calc.keepLoanHowLong":"How long you'll keep this loan","calc.keepLoanHint":"The single most important input — points only pay back if you stay long enough.","calc.shouldYouBuyPoints":"Should you buy points?","calc.verdict":"Verdict","calc.tierStrong":"Strong yes if you stay ≥ {months} months. Solid math.","calc.tierViable":"Worth considering — you break even at {months} months. Only buy if you're confident you'll stay that long.","calc.tierWeak":"Probably not. The break-even point is too far out for the savings to actually land in your pocket.","calc.parMonthlyPi":"Par monthly P&I","calc.boughtDownMonthlyPi":"Bought-down monthly P&I","calc.buyDownSavingsYes":"Lower payment from the buy-down","calc.buyDownSavingsNo":"No savings — the bought-down rate isn't actually lower.","calc.costAtClosing":"Cost at closing","calc.costAtClosingSub":"{pts} pts \xd7 {amount}","calc.unitMonths":"{n} months","calc.breakEvenNoRecoup":"Savings don't recoup the cost.","calc.breakEvenSubBuyDown":"Months until lower payment offsets the up-front cost.","calc.netIfStayOne":"Net if you stay {years} year","calc.netIfStayMany":"Net if you stay {years} years","calc.netPositiveSub":"Net dollars in your pocket over that period.","calc.netNegativeSub":"You haven't broken even yet.","calc.howItWorks":"How 

1it works","calc.buyDownHowItWorksBody":"Discount points are pre-paid interest — you give the lender money up front, they give you a lower rate for the life of the loan. The lower payment saves you money every month, but only after you've offset the up-front cost. The break-even point is when the cumulative savings equal what you paid in points. If you sell or refi before then, you lose money.","calc.glossaryTitle":"Mortgage 101 — key terms used above","calc.glossaryTapToExpand":"Tap to expand. {count} terms.","calc.glossary_pi_term":"Principal & interest (P&I)","calc.glossary_pi_def":"The actual loan payment — what you owe the lender each month for the money you borrowed. Doesn't include taxes or insurance.","calc.glossary_escrow_term":"Escrow","calc.glossary_escrow_def":"A separate account your lender uses to collect property tax + homeowners insurance with each mortgage payment, then pays the bills on your behalf.","calc.glossary_dti_term":"DTI (Debt-to-Income)","calc.glossary_dti_def":"Total monthly debt payments \xf7 gross monthly income. Lenders cap this at 43% conventional / 50% on aggressive non-QM programs.","calc.glossary_ltv_term":"LTV (Loan-to-Value)","calc.glossary_ltv_def":"Loan amount \xf7 home value. 80% LTV = 20% down. Lower LTV usually means a better rate.","calc.glossary_pmi_term":"PMI (Private Mortgage Insurance)","calc.glossary_pmi_def":"Required when you put down less than 20% on a conventional loan. Extra ~0.3–1.5% of loan / yr; drops off automatically once you hit 78% LTV.","calc.glossary_apr_term":"APR","calc.glossary_apr_def":"Rate + lender fees expressed as a single yearly percentage. Always higher than the headline rate; the gap is mostly closing costs amortized.","calc.glossary_lock_term":"Lock","calc.glossary_lock_def":'Once you accept terms, your loan officer "locks" the rate so it can\'t move against you while the file finishes. Locks usually last 30–60 days.',"calc.glossary_breakEven_term":"Break-even","calc.glossary_breakEven_def":"How many months of refi savings it takes to recover the closing costs of the refi. Refi makes sense when you plan to keep the loan well past break-even.","calc.glossary_loanTypes_term":"Conventional vs FHA / VA / USDA","calc.glossary_loanTypes_def":"Conventional loans follow Fannie/Freddie rules. FHA accepts lower scores; VA is for vets (no down); USDA is rural-area zero-down. Each has different DTI ceilings and PMI rules.","legal.eyebrow":"Unified Loan System \xb7 Legal","legal.tocAriaLabel":"Table of contents","legal.tocContents":"Contents","legal.lastUpdatedLabel":"Last Updated:","legal.seeAlso":"See also the","legal.and":"and","legal.masterSaasAgreement":"Master SaaS Agreement","legal.dataProcessingAgreement":"Data Processing Agreement","legal.smsTermsLink":"SMS Terms","legal.termsTitle":"Terms of Service","legal.termsLastUpdated":"Last updated: May 21, 2026.","legal.termsTocAgreement":"1. Agreement to Terms","legal.termsTocIpRights":"2. Intellectual Property Rights","legal.termsTocUserRepresentations":"3. User Representations","legal.termsTocLendingServices":"4. Lending Services","legal.termsTocSmsProgram":"5. SMS Program","legal.termsTocTermination":"6. Termination","legal.termsTocModifications":"7. Modifications and Interruptions","legal.termsAgreementHeading":"1. Agreement to Terms","legal.termsAgreementBody":"These Terms of Service constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”) and California Mortgage Solutions d/b/a Unified Loan System (“we,” “us,” or “our”), concerning your access to and use of our website and services. By accessing the site, you acknowledge that you have read, understood, and agree to be bound by all of these Terms of Service.","legal.termsIpRightsHeading":"2. Intellectual Property Rights","legal.termsIpRightsBody":"Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics on the Site (collectively, the “Content”) and the trademarks, service marks, and logos contained therein (the “Marks”) are owned or c

1ontrolled by us or licensed to us, and are protected by copyright and trademark laws.","legal.termsUserRepresentationsHeading":"3. User Representations","legal.termsUserRepresentationsIntro":"By using the Site, you represent and warrant that:","legal.termsUserRepresentationsItem1":"All registration information you submit will be true, accurate, current, and complete.","legal.termsUserRepresentationsItem2":"You will maintain the accuracy of such information and promptly update such registration information as necessary.","legal.termsUserRepresentationsItem3":"You have the legal capacity and you agree to comply with these Terms of Service.","legal.termsUserRepresentationsItem4":"You will not access the Site through automated or non-human means, whether through a bot, script or otherwise.","legal.termsLendingServicesHeading":"4. Lending Services","legal.termsLendingServicesBody":"Unified Loan System provides a platform for mortgage brokers to submit and manage loan applications. We are not a bank or direct lender. All loan approvals are subject to final underwriting and verification conditions as determined by the funding lender.","legal.termsSmsProgramHeading":"5. SMS Program","legal.termsSmsIntro":"Unified Loan System sends transactional SMS messages — including two-factor authentication codes, security alerts, loan-status updates, document requests, e-sign links, and closing notifications — to users who have affirmatively opted in by providing a mobile number and checking the SMS consent box during signup, in account settings, or as part of their loan application. We do not send marketing or promotional SMS.","legal.termsSmsOptOutLabel":"Opt-out:","legal.termsSmsOptOutBefore":"Text","legal.termsSmsOptOutMiddle":"to any Unified Loan System SMS to cancel future messages. Text","legal.termsSmsOptOutHelp":"for help, or visit","legal.termsSmsOptOutOrEmail":"or email","legal.termsSmsRatesLabel":"Message and data rates may apply.","legal.termsSmsRatesBody":"Unified Loan System does not charge a fee for SMS, but your wireless carrier may charge for messages sent or received depending on your plan.","legal.termsSmsCarriersLabel":"Carriers are not liable for delayed or undelivered messages.","legal.termsSmsCarriersBody":"Delivery of any individual message is not guaranteed. See our full","legal.termsSmsCommunicationsTermsLink":"SMS Communications Terms","legal.termsSmsCarriersAfter":"for frequency, supported carriers, consent revocation, and contact information.","legal.termsTerminationHeading":"6. Termination","legal.termsTerminationBody":"We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.","legal.termsModificationsHeading":"7. Modifications and Interruptions","legal.termsModificationsBody":"We reserve the right to change, modify, or remove the contents of the Site at any time or for any reason at our sole discretion without notice. We will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Site.","legal.privacyLastUpdated":"Last updated: June 2, 2026.","legal.privacyFirstLabel":"Your Privacy First","legal.privacyFirstBody":"Unified Loan System will never sell, lease, or share your mobile phone number or SMS consent data with third parties or marketing affiliates. SMS opt-in is held in strict confidence and used only to deliver the transactional messages you have explicitly requested.","legal.privacyTocIntroduction":"1. Introduction","legal.privacyTocInfoCollect":"2. Information We Collect","legal.privacyTocHowWeUse":"3. How We Use Your Information","legal.privacyTocSharing":"4. Sharing Your Information","legal.privacyTocDataSecurity":"5. Data Security","legal.privacyTocMobileSms":"6. Mobile Information & SMS Data","legal.privacyTocGoogleData":"7. Google User Data","legal.privacyTocContact":"8. Contact Us","legal.privacyIntroHeading":"1. Introduction","legal.privacyIntroBody":"Welcome to California Mortgage Solutions d/b/a Unified Loan System (“we,” “our,” or “us”). We are committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we 

1collect, use, disclose, and safeguard your information when you visit our website and use our services.","legal.privacyInfoCollectHeading":"2. Information We Collect","legal.privacyInfoCollectIntro":"We collect information that you voluntarily provide to us when you:","legal.privacyInfoCollectItem1":"Register on the website","legal.privacyInfoCollectItem2":"Submit loan applications or documents","legal.privacyInfoCollectItem3":"Contact us for support","legal.privacyInfoCollectItem4":"Participate in surveys or promotions","legal.privacyInfoCollectBody":"This may include names, email addresses, phone numbers, financial information, and employment details necessary for loan processing.","legal.privacyHowWeUseHeading":"3. How We Use Your Information","legal.privacyHowWeUseIntro":"We use the information we collect or receive to:","legal.privacyHowWeUseItem1":"Facilitate account creation and logon process","legal.privacyHowWeUseItem2":"Process loan applications and underwriting","legal.privacyHowWeUseItem3":"Send you administrative information","legal.privacyHowWeUseItem4":"Protect our services and legal rights","legal.privacyHowWeUseItem5":"Respond to legal requests and prevent harm","legal.privacySharingHeading":"4. Sharing Your Information","legal.privacySharingBefore":"We may share information with third parties that perform services for us or on our behalf, including data analysis, email delivery, hosting services, customer service, and marketing assistance. We do not sell your personal information to third parties for their own marketing purposes. See our","legal.privacySharingSubProcessorLink":"sub-processor list","legal.privacySharingAfter":"for the specific vendors we work with.","legal.privacyDataSecurityHeading":"5. Data Security","legal.privacyDataSecurityBody":"We use administrative, technical, and physical security measures to help protect your personal information. While we have taken reasonable steps to secure the personal information you provide to us, please be aware that despite our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse.","legal.privacyMobileSmsHeading":"6. Mobile Information & SMS Data","legal.privacyMobileSmsBody1":"If you provide a mobile phone number and affirmatively opt in to SMS messaging during signup, in your account settings, or as part of your loan application, Unified Loan System will send you transactional text messages related to your account and active loan file (authentication codes, loan-status updates, e-sign requests, and account-security alerts).","legal.privacyMobileSmsBody2":"No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.","legal.privacyMobileSmsBefore":"See our","legal.privacyMobileSmsAfter":"for the full message-program description, opt-out keywords, frequency, supported carriers, and consent-revocation details.","legal.privacyGoogleDataHeading":"7. Google User Data","legal.privacyGoogleDataGmailBefore":"When you connect your Google account, Unified Loan System requests read-only access to your Gmail","legal.privacyGoogleDataCalendarBefore":"and access to your Google Calendar events","legal.privacyGoogleDataUsage":"We use read-only Gmail access solely to import a sample of your own recently sent emails to train a personalized writing-style model so our AI assistant can draft messages in your voice; we never send, modify, or delete your email. We use Calendar access solely to create and read events for scheduling within your loan workflow.","legal.privacyGoogleDataAdheresBefore":"Unified Loan System’s use and transfer of information received from Google APIs adheres to the","legal.privacyGoogleDataPolicyLink":"Google API Services User Data Policy","legal.privacyGoogleDataAdheresAfter":", including the Limited Use requirements.","legal.privacyGoogleDataNoSell":"We do not sell Google user data, use it for advertising, or transfer it to others except to provide these features, comply with applicable law, or as part of a merger or acquisition. You can revoke access at any time by disconnecting Google in your settings or via your Google Account permissions, which deletes the stored email samples.","legal.privacyContactHeading":"8. Contact Us","legal.privacyContactBefore":"If you have questions or comments about this policy, email us at","legal.cookieTitle":"Cookie Policy","legal.cookieUseHeading":"1. Use of Cookies","legal.cookieUseBody":"Unified Loan System uses co

1okies to improve your experience on our website. Cookies are text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our websites, we may collect information from you automatically through cookies or similar technology.","legal.cookieHowHeading":"2. How We Use Cookies","legal.cookieHowIntro":"We use cookies in a range of ways to improve your experience on our website, including:","legal.cookieHowItem1":"Keeping you signed in","legal.cookieHowItem2":"Understanding how you use our website","legal.cookieHowItem3":"Saving your preferences","legal.cookieTypesHeading":"3. Types of Cookies We Use","legal.cookieFunctionalityHeading":"Functionality","legal.cookieFunctionalityBody":"Our Company uses these cookies so that we recognize you on our website and remember your previously selected preferences. These could include what language you prefer and location you are in.","legal.cookieSecurityHeading":"Security","legal.cookieSecurityBody":"We use security cookies to authenticate users, prevent fraudulent use of login credentials, and protect user data from unauthorized parties.","legal.cookieManagingHeading":"4. Managing Cookies","legal.cookieManagingBody":"You can set your browser not to accept cookies. However, in a few cases, some of our website features may not function as a result.","legal.disclaimerTitle":"Disclaimer","legal.disclaimerWebsiteHeading":"1. Website Disclaimer","legal.disclaimerWebsiteBody":'The information provided by Unified Loan System ("we," "us," or "our") on this website is for general informational purposes only. All information on the Site is provided in good faith, however we make no representation or warranty of any kind, express or implied, regarding the accuracy, adequacy, validity, reliability, availability, or completeness of any information on the Site.',"legal.disclaimerFinancialHeading":"2. Financial Disclaimer","legal.disclaimerFinancialBody":"The Site does not contain financial advice. The financial information is provided for general informational and educational purposes only and is not a substitute for professional advice. Before taking any actions based upon such information, we encourage you to consult with the appropriate professionals. We do not provide any kind of financial advice. THE USE OR RELIANCE OF ANY INFORMATION CONTAINED ON THE SITE IS SOLELY AT YOUR OWN RISK.","legal.disclaimerExternalLinksHeading":"3. External Links Disclaimer","legal.disclaimerExternalLinksBody":"The Site may contain (or you may be sent through the Site) links to other websites or content belonging to or originating from third parties or links to websites and features in banners or other advertising. Such external links are not investigated, monitored, or checked for accuracy, adequacy, validity, reliability, availability, or completeness by us.","mktg.featuresHeroEyebrow":"Platform Features","mktg.featuresHeroTitleLine1":"Everything You Need","mktg.featuresHeroTitleLine2":"to Close Faster","mktg.featuresHeroSubtitle":"One platform covers the full origination lifecycle — AI underwriting, document verification, compliance, eSign, and CRM. No bolt-ons required.","mktg.featAiCategory":"AI & Underwriting","mktg.featAiHeadline":"AI-Powered Underwriting","mktg.featAiSubhead":"Get instant decisions — not hours later.","mktg.featAiDesc":"Our AI engine analyzes thousands of data points in real time to provide accurate pre-approvals and surface conditions upfront. Stop waiting on underwriters to pick up the phone.","mktg.featAiBullet1":"Instant pre-approval letters with full conditions list","mktg.featAiBullet2":"Automated STIP generation tied to 1003 field gaps","mktg.featAiBullet3":"DU/LP AUS findings simulation before actual submission","mktg.featAiBullet4":"Risk scoring with explainable reasoning per loan","mktg.featDocsCategory":"Documents","mktg.featDocsHeadline":"Neural Document Verification","mktg.featDocsSubhead":"Stop manually reading PDFs.","mktg.featDocsDesc":"Our OCR pipeline reads paystubs, W-2s, 1099s, tax returns, and bank statements. It cross-validates extracted data against the 1003 and flags every discrepancy automatically.","mktg.featDocsBullet1":"Dual-vendor consensus OCR (Textract 

1+ Gemini Vision)","mktg.featDocsBullet2":"99.7% accuracy on clean documents, graceful fallback on edge cases","mktg.featDocsBullet3":"Front + back ID capture with AAMVA barcode scan","mktg.featDocsBullet4":"Verify-before-save UI — see extracted data before it hits the loan file","mktg.featPipelineCategory":"Pipeline","mktg.featPipelineHeadline":"Full-Stack Loan Origination","mktg.featPipelineSubhead":"Your entire pipeline, one dashboard.","mktg.featPipelineDesc":"From guest 1003 to eSign to lender handoff — the complete origination workflow is in Unified Loan System. No spreadsheets, no email chains, no third-party LOS required.","mktg.featPipelineBullet1":"Kanban pipeline with real-time status tracking","mktg.featPipelineBullet2":"In-house eSign (PAdES) — no per-envelope DocuSign fee","mktg.featPipelineBullet3":"MISMO 3.4 lender export for UWM and other wholesale lenders","mktg.featPipelineBullet4":"eSign audit trail: IP, timestamp, signed fields per event","mktg.featCrmCategory":"CRM","mktg.featCrmHeadline":"CRM + AI Email Campaigns","mktg.featCrmSubhead":"Your contact book with a brain.","mktg.featCrmDesc":"Built-in CRM for leads, borrowers, partners, and outreach contacts. Breeze AI writes and schedules campaigns, handles re-engagement, and sends post-closing follow-ups automatically.","mktg.featCrmBullet1":"Unified people list: leads, borrowers, partners, contacts","mktg.featCrmBullet2":"Breeze AI writes personalized email copy at the segment level","mktg.featCrmBullet3":"Autopilot campaigns with office-hours throttle + sending rails","mktg.featCrmBullet4":"Re-engagement and post-closing follow-ups on configurable schedule","mktg.featComplianceCategory":"Compliance","mktg.featComplianceHeadline":"Built-In Compliance Engine","mktg.featComplianceSubhead":"Stay clean without the manual overhead.","mktg.featComplianceDesc":"Automated ATR, HMDA, OFAC, and state-level high-cost checks run on every loan edit. Audit trails, LAR export, and MISMO handoff keep you exam-ready at all times.","mktg.featComplianceBullet1":"ATR (Reg Z), HMDA, OFAC screening on every loan save","mktg.featComplianceBullet2":"State routing: CA, NY, TX, FL high-cost + federal \xa71026.32","mktg.featComplianceBullet3":"Audit log at /admin/audit — full event history per loan","mktg.featComplianceBullet4":"HMDA LAR CSV export and MISMO 3.4 lender submission file","mktg.featSecurityCategory":"Security","mktg.featSecurityHeadline":"Enterprise-Grade Security","mktg.featSecuritySubhead":"Built for the data sensitivity of mortgage.","mktg.featSecurityDesc":"Three tiers of security hardening — account lockout, MFA, passkeys, session binding, impossible-travel detection, and step-up auth for every sensitive action.","mktg.featSecurityBullet1":"Passkeys (WebAuthn) + TOTP MFA for brokers","mktg.featSecurityBullet2":"Step-up auth on credit pulls, rate locks, and SSN/DOB reveals","mktg.featSecurityBullet3":"Impossible-travel alerts + sign-out-everywhere","mktg.featSecurityBullet4":"Session IP/UA binding + idle timeout enforcement","mktg.featuresCtaTitlePrefix":"Ready to","mktg.featuresCtaTitleHighlight":"See It Live?","mktg.featuresCtaSubtitle":"Create a free account and run your first loan through the platform in under 10 minutes.","mktg.featuresCtaFinePrint":"No credit card required \xb7 14-day trial \xb7 Cancel anytime","mktg.benefitsHeroEyebrow":"Why Unified Loan System","mktg.benefitsHeroTitlePrefix":"Why Join","mktg.benefitsHeroSubtitle":"We're not just a platform — we're your growth partner. See how we help brokers close more, faster, with less overhead.","mktg.metricFasterClosingsLabel":"Faster Closings","mktg.metricFasterClosingsDesc":"Average clear-to-close time reduced from 30 days to 10 using automated workflows and instant AI decisions.","mktg.metricAlwaysOnLabel":"Always On","mktg.metricAlwaysOnDesc":"Simulate underwriting decisions at 2 AM. Never wait for an underwriter to pick up the phone.","mktg.metricTransparentLabel":"Transparent","mktg.metricTransparentDesc":"Real-time status updates for you and your borrowers. No black-box denials, ever.","mktg.metricLessManualLabel":"Less Manual Work","mktg.metricLessManualDesc":"Brokers report spending 60% less t

1ime on document review after switching to neural OCR verification.","mktg.benefitsGridTitlePrefix":"Built to Solve","mktg.benefitsGridTitleHighlight":"Real Problems","mktg.benefitsGridSubtitle":"Every feature was designed around a specific pain point in the origination workflow.","mktg.benefitNoManualReviewTitle":"No More Manual Document Review","mktg.benefitNoManualReviewDesc":"Upload paystubs, W-2s, bank statements, and tax returns. Our AI reads, extracts, and cross-validates every number against the 1003 automatically.","mktg.benefitStayEngagedTitle":"Borrowers Who Actually Stay Engaged","mktg.benefitStayEngagedDesc":"The white-labeled borrower portal keeps borrowers in the loop at every stage. Breeze AI handles follow-ups so you don't have to.","mktg.benefitComplianceTitle":"Close Without the Compliance Anxiety","mktg.benefitComplianceDesc":"Every loan is auto-screened against ATR, HMDA, OFAC, and state high-cost rules. Audit trails and LAR exports are always ready.","mktg.benefitEsignTitle":"eSign With No Per-Envelope Fee","mktg.benefitEsignDesc":"In-house PAdES eSign is included on all paid plans. Send unlimited signature packets without a DocuSign bill showing up at month end.","mktg.benefitScaleTitle":"Scale Without Adding Headcount","mktg.benefitScaleDesc":"The automation layer handles status updates, re-engagement, condition tracking, and lender handoff — so your team can do more without growing.","mktg.benefitYourDataTitle":"Your Data, Your Infrastructure","mktg.benefitYourDataDesc":"Documents are stored on your NAS or cloud of choice via MinIO. We never hold your borrower data hostage — export anytime.","mktg.benefitsCtaTitle":"Ready to Grow Your Pipeline?","mktg.benefitsCtaSubtitle":"Join high-performing brokers who trust Unified Loan System to close faster with less effort.","mktg.pricingHeroTitleLine1":"Simple Pricing.","mktg.pricingHeroTitleLine2":"No Surprises.","mktg.pricingHeroSubtitle":"Start free. Upgrade when you need it. Every plan includes the full AI engine — no feature gating on core underwriting.","mktg.pricingHeroFinePrint":"14-day free trial on paid plans \xb7 Cancel anytime \xb7 No credit card required to start","mktg.priceFree":"Free","mktg.priceCustom":"Custom","mktg.tierStarterName":"Starter","mktg.tierStarterSub":"No credit card required","mktg.tierStarterDesc":"For brokers just getting started. Full platform access, zero commitment.","mktg.tierStarterCta":"Start Free","mktg.tierStarterFeature1":"1 active loan pipeline","mktg.tierStarterFeature2":"AI underwriting assistant (5 pulls/mo)","mktg.tierStarterFeature3":"Borrower portal (1 user)","mktg.tierStarterFeature4":"Standard document upload","mktg.tierStarterFeature5":"Email support","mktg.tierStarterMissing1":"Bulk pipelines","mktg.tierStarterMissing2":"Team seats","mktg.tierStarterMissing3":"API access","mktg.tierStarterMissing4":"Priority onboarding","mktg.tierBrokerName":"Broker","mktg.tierBrokerSub":"per month, billed monthly","mktg.tierBrokerDesc":"The full platform for solo brokers and small shops closing 5–20 loans/month.","mktg.tierBrokerCta":"Start 14-Day Trial","mktg.tierBrokerBadge":"Most Popular","mktg.tierBrokerFeature1":"Unlimited active pipelines","mktg.tierBrokerFeature2":"AI underwriting (unlimited)","mktg.tierBrokerFeature3":"Neural OCR document verification","mktg.tierBrokerFeature4":"Borrower portal (unlimited borrowers)","mktg.tierBrokerFeature5":"CRM + AI email campaigns","mktg.tierBrokerFeature6":"Compliance engine (ATR, HMDA, state regs)","mktg.tierBrokerFeature7":"MISMO 3.4 export","mktg.tierBrokerFeature8":"AUS findings (DU/LP)","mktg.tierBrokerFeature9":"eSign (in-house, no per-envelope fee)","mktg.tierBrokerFeature10":"Priority email + chat support","mktg.tierBrokerMissing1":"Team seats","mktg.tierBrokerMissing2":"White-label branding","mktg.tierBrokerMissing3":"API access","mktg.tierTeamName":"Team","mktg.tierTeamSub":"per month, up to 5 seats","mktg.tierTeamDesc":"For growing brokerages with multiple LOs. Shared pipeline, unified reporting.","mktg.tierTeamCta":"Start 14-Day Trial","mktg.tierTeamFeature1":"Everything in Broker","mktg.tierTeamFeature2":"Up to 5 LO seats ($49/seat after)","mktg.tierTeamFeature3":"Shared pipeline dashboard","mktg.tierTeamFeature4":"White-label borrower portal","mktg.tierTeamFeature5":"Team performance reports","mktg.tierTeamFeature6":"Webhook + Zapier integration","mktg.tierTeamFeature7":"Dedicated onboarding call","mktg.tierTeamFeature8":"Phone + priority support","mktg.tierTeamMissing1":"Custom API SLA","mktg.tierTeamMissing2":"Dedicated CSM","mktg.tierEnterpriseName":"Enterprise","mktg.tierEnterpriseSub":"volume pricing available","mktg.tierEnterpriseDesc":"For large brokerages, aggregators, and tech partners. Let's build something together.","mktg.tierEnterpriseCta":"Talk to Sales","mktg.tierEnterpriseFeature1":"Everything in Team","mktg.tierEnterpriseFeature2":"Unlimited seats","mktg.tierEnterpriseFeature3":"Custom API SLA + raw data access","mktg.tierEnterpriseFeature4":"Dedicated customer success manager","mktg.tierEnterpriseFeature5":"Custom integrations (Encompass, LendingPad)","mktg.tierEnterpriseFeature6":"SSO / SAML","mktg.tierEnterpriseFeature7":"Audit log export","mktg.tierEnterpriseFeature8":"NDA + custom DPA","mktg.tierEnterpriseFeature9":"SLA uptime guarantee (99.9%)","mktg.addOnsTitle":"Pass-Through Vendor Costs","mktg.addOnsBodyPart1":"Third-party costs (credit pulls ~$15–35/tri-merge, Plaid bank income reports, recording fees) are billed at actual cost with","mktg.addOnsZeroMarkup":"zero markup","mktg.addOnsBodyPart2":". They appear as separate line items on your monthly invoice so you always know exactly what you paid.","mktg.faqTitlePrefix":"Frequently Asked","mktg.faqTitleHighlight":"Questions","mktg.faqLoanPullQ":'What counts as a "loan pull" on the Starter plan?',"mktg.faqLoanPullA":"A pull is any time Unified Loan System's AI engine analyzes a full 1003 + document set against underwriting guidelines. Uploading documents alone does not count.","mktg.faqTrialCardQ":"Does the free trial require a credit card?","mktg.faqTrialCardA":"No. You can start a 14-day Broker or Team tri

1al with just your email and NMLS number. Card is only required if you choose to continue.","mktg.faqSwitchPlansQ":"Can I switch plans mid-cycle?","mktg.faqSwitchPlansA":"Yes. Upgrades take effect immediately and are prorated. Downgrades take effect at the start of your next billing cycle.","mktg.faqEsignPricingQ":"How does eSign pricing work?","mktg.faqEsignPricingA":"All paid plans include unlimited in-house eSign envelopes at no per-envelope fee. We use our own PAdES-compliant signing infrastructure — no DocuSign markup.","mktg.faqPassThroughQ":"Are metered pass-through costs included?","mktg.faqPassThroughA":"Credit pulls, Plaid bank income reports, and other third-party vendor costs are billed at cost with no markup. You'll see itemized charges on your invoice.","mktg.faqFirstLoanQ":"What happens when I close my first real loan?","mktg.faqFirstLoanA":"Nothing changes automatically. You stay on your plan. When you're ready to scale, our team is here to help you optimize.","mktg.pricingCtaTitlePrefix":"Ready to","mktg.pricingCtaTitleHighlight":"Get Started?","mktg.pricingCtaSubtitle":"Join brokers already closing faster on Unified Loan System. No lock-in, no setup fee.","mktg.ctaStartFreeTrial":"Start Free Trial","mktg.ctaViewPricing":"View Pricing","mktg.ctaSeePricing":"See Pricing","mktg.ctaGetStartedNow":"Get Started Now","mktg.ctaCreateFreeAccount":"Create Free Account","mktg.ctaTalkToSales":"Talk to Sales","about.heroEyebrow":"About Unified Loan System","about.heroTitleLine1":"Empowering Brokers with","about.heroTitleLine2":"Intelligent Automation","about.heroSubtitle":"At Unified Loan System, we believe the future of lending belongs to those who move fast. We're building the infrastructure to make sure that's you.","about.statActiveBrokers":"Active Brokers","about.statLoansOriginated":"Loans Originated","about.statPlatformUptime":"Platform Uptime","about.statFasterThanManual":"Faster Than Manual","about.missionEyebrow":"Mission","about.missionTitleLead":"Stripping Away the","about.missionTitleAccent":"Friction of Lending","about.missionPara1":"The mortgage industry has been stuck in the past — buried in paperwork, manual reviews, and opaque underwriting decisions. We saw a better way.","about.missionPara2":"By using AI to handle the heavy lifting of document analysis and condition generation, we free brokers to do what they do best: build relationships and close deals.","about.value1Title":"Transparency First","about.value1Desc":"No black-box denials. 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Experience the Unified Loan System difference today.","about.ctaBecomePartner":"Become a Partner","about.ctaViewPricing":"View Pricing","about.contactHeroEyebrow":"Contact Us","about.contactHeroTitleLead":"We're Here to","about.contactHeroTitleAccent":"Help You Close.","about.contactHeroSubtitle":"Whether you need product support, want to talk enterprise pricing, or have a compliance question — reach the right team directly.","about.contactSalesTitle":"Sales","about.contactSalesDesc":"Pricing questions, volume deals, enterprise contracts, and lender integrations.","about.contactSalesAction":"Email Sales","about.contactSupportTitle":"Broker Support","about.contactSupportDesc":"Platform help, pipeline questions, and document verification troubleshooting.","about.contactSupportAction":"Open Support Chat","about.contactPartnershipTitle":"Partnership & Compliance","about.contactPartnershipDesc":"Vendor onboarding, DPA/MSA execution, CASA paperwork, and lender API inquiries.","about.contactPartnershipAction":"Email Partnerships","about.contactPressTitle":"Media & Press","about.contactPressDesc":"Press kit, interview requests, and editorial inquiries about Unified Loan System or the mortgage AI space.","about.contactPressAction":"Email Press","about.officeLocation":"San Luis Obispo, CA \xb7 Licensed in California (DBO)","about.officeLegalNote":"Unified Loan System is a trade name of California Mortgage Solutions, a California S-Corp. All vendor contracts are executed under the legal entity.","about.contactCtaTitle":"Not sure where to start?","about.contactCtaSubtitle":"Create a free account and explore the platform. No obligation.","about.contactCtaButton":"Start Free","about.setupErrMissingTokenTitle":"Missing invitation token","about.setupErrMissingTokenMsg":"The link you used is missing the required token. Ask your broker to resend the invitation.","about.setupErrInvalidTitle":"Invitation not val

1id","about.setupErrMismatchTitle":"Invitation mismatch","about.setupErrMismatchMsg":"This invitation link doesn't match the email it was issued to. Please use the link from your email exactly.","about.setupHeading":"Set your password","about.setupWelcomeLead":"Welcome to Unified Loan System. You're setting up your account for","about.setupErrFooter":"If you believe this is an error, contact your broker for a fresh invitation.","about.setupValTooShort":"Password must be at least {min} characters.","about.setupValComplexity":"Password must include uppercase, lowercase, and a number.","about.setupValMismatch":"Passwords do not match.","about.setupErrFallback":"Setup failed. Try again or ask your broker for a new invite.","about.setupNetworkError":"Network error. Try again.","about.setupNewPasswordLabel":"New password","about.setupPasswordHint":"At least {min} characters with uppercase, lowercase, and a number.","about.setupConfirmPasswordLabel":"Confirm password","about.setupSubmitting":"Saving…","about.setupSubmit":"Set password and continue","home.statActiveBrokers":"Active Brokers","home.statLoansProcessed":"Loans Processed","home.statPlatformUptime":"Platform Uptime","home.statBrokerRating":"Broker Rating","home.featureAiUnderwritingTitle":"AI Underwriting","home.featureAiUnderwritingDesc":"Instant pre-approvals powered by machine learning. Our AI analyzes borrower data in seconds and surfaces clear conditions.","home.featureDocVerificationTitle":"Document Verification","home.featureDocVerificationDesc":"Neural OCR reads paystubs, W-2s, bank statements, and tax returns. Cross-validates data against the 1003 automatically.","home.featurePipelineMgmtTitle":"Pipeline Management","home.featurePipelineMgmtDesc":"Track every loan from application to close. Kanban boards, automated status updates, and real-time notifications.","home.featureCrmCampaignsTitle":"CRM & Campaigns","home.featureCrmCampaignsDesc":"Built-in contact management with AI-powered email campaigns. Segment borrowers and send personalized outreach at scale.","home.featureComplianceEngineTitle":"Compliance Engine","home.featureComplianceEngineDesc":"Automated regulatory checks, MISMO data exports, and audit trails. Stay compliant without the manual overhead.","home.featureBorrowerPortalTitle":"Borrower Portal","home.featureBorrowerPortalDesc":"White-labeled portal where borrowers complete their 1003, upload documents, and track loan status in real-time.","home.step1Title":"Onboard in Minutes","home.step1Desc":"Create your broker account, connect your NMLS, and configure your pipeline in under 10 minutes.","home.step2Title":"Upload & Verify","home.step2Desc":"Borrowers submit their 1003 and documents. Our AI verifies everything instantly — no manual review.","home.step3Title":"Close & Fund","home.step3Desc":"Automated condition tracking, lender handoff, and closing coordination. Your loans close faster.","home.testimonial1Role":"Senior Loan Officer, Pacific Lending","home.testimonial1Text":"Unified Loan System cut our processing time by 60%. The AI catches discrepancies we used to spend hours finding manually.","home.testimonial2Role":"Broker Owner, Summit Mortgage Group","home.testimonial2Text":"The borrower portal alone was worth the switch. My clients love being able to track their loan status in real-time.","home.testimonial3Role":"Managing Director, Coastline Financial","home.testimonial3Text":"We've doubled our monthly volume since onboarding. The AI campaign system generates more qualified leads than our old CRM ever did.","home.aiCapabilityOcr":"Neural OCR document extraction with 99.7% accuracy","home.aiCapabilityVerification":"Automated income, asset, and liability verification","home.aiCapabilityDiscrepancy":"Real-time discrepancy detection across 1003 fields","home.aiCapabilityMismo":"MISMO 3.4 compliant data export","home.aiCapabilityConditioning":"Predictive conditioning and automated STIP clearance","home.aiCapabilityCampaigns":"AI-powered email campaigns with personalized content","home.heroBadge":"Trusted by 500+ Top-Performing Brokers","home.heroTitleLine1":"The Future of Lending","home.heroTitleLine2":"Is AI-Driven","home.heroSubtitle":"Unified Loan System empowers brokers with instant AI underwriting, neural document verification, and real-time pipeline management. Close loans faster and scale your business.","home.ctaStartFreeTrial":"Start Free Trial","home.ctaViewPricing":"View Pricing","home.alreadyPartner":"Already a partner?","home.logInToPortal":"Log in to Portal","home.badgeNmlsLicensed":"NMLS Licensed","home.badgeSoc2Certified":"SOC 2 Certified","home.badge256Encryption":"256-bit Encryption","home.badgeCcpaCompliant":"CCPA Compliant","home.featuresEyebrow":"Platform Features","home.featuresHeadingLead":"Everything You Need to","home.featuresHeadingAccent":"Close More Loans","home.featuresSubtitle":"A complete mortgage origination platform built by brokers, for brokers. Every tool, every automation, one dashboard.","home.howItWorksEyebrow":"Simple Process","home.howItWorksHeadingLead":"Get Started in","home.howItWorksHeadingAccent":"Three Steps","home.howItWorksSubtitle":"From signup to your first closed loan — it's faster than you think.","home.testimonialsEyebrow":"Broker Stories","home.testimonialsHeadingLead":"Trusted by the","home.testimonialsHeadingAccent":"Industry's Best","home.demoDocScanLabel":"Document scan complete:","home.demoDocScanValue":"W-2, Paystub, Bank Statement","home.demoIncomeLabel":"Income verified:","home.demoIncomeValue":"{amount}/mo gross","home.demoDtiLabel":"DTI ratio:","home.demoDtiValue":"{ratio} — Qualified","home.demoDepositLabel":"Large deposit flagged:","home.demoDepositValue":"{amount} — LOE required","home.demoMismoLabel":"MISMO 3.4 export:","home.demoMismoValue":"Ready","home.demoPreApprovalLabel":"Pre-approval generated in","home.demoPreApprovalValue":"{seconds} seconds","home.aiShowcaseEyebrow":"AI-Powered","home.aiShowcaseHeadingLead":"Intelligence That Actually","home.aiShowcaseHeadingAccent":"Moves the Needle","home.aiShowcaseSubtitle":"Our AI engine isn't just a chatbot — it's a full underwriting co-pilot that reads, verifies, and validates every document in your pipeline.","home.ctaSeeItInAction":"See It In Action","home.finalCtaHeadingLead":"Ready to","home.finalCtaHeadingAccent":"Transform","home.finalCtaHeadingTrail":"Your Business?","home.finalCtaSubtitle":"Join hundreds of top brokers already using Unified Loan System to close more loans, faster, with less overhead.","home.ctaCreateFreeAccount":"Create Free Account","home.finalCtaFinePrint":"No credit card required \xb7 14-d

1ay free trial \xb7 Cancel anytime","bauth.redirecting":"Redirecting…","bauth.redirectingTo":"Taking you to the {role} sign-in page.","bauth.roleBroker":"broker","bauth.roleBorrower":"borrower","bauth.loading":"Loading…","bauth.stepTitleWelcome":"Welcome","bauth.stepTitleName":"Your name","bauth.stepTitleEmail":"Your email","bauth.stepTitlePassword":"Create a password","bauth.stepTitleSecurity":"Optional security boost","bauth.stepTitleReview":"Review & accept","bauth.errInvalidEmail":"Invalid email","bauth.errInvalidEmailUsage":"Invalid email usage.","bauth.errPasswordsMismatch":"Passwords do not match.","bauth.errMustAgree":"You must agree to both the Terms of Service and Privacy Policy.","bauth.errSignupFailed":"Couldn't complete signup{detail}. Try again, or sign in if you already have an account.","bauth.ofacTitle":"Account pending review","bauth.ofacSubtitlePre":"Thanks for signing up. We need to verify a few things before activating your account at","bauth.ofacSubtitlePost":".","bauth.ofacBody1Pre":"Your account is in a routine compliance review. This is a standard step we run on every new signup as part of our anti-fraud and federal compliance obligations. Most reviews complete within","bauth.ofacBody1Bold":"one business day","bauth.ofacBody1Post":".","bauth.ofacBody2Pre":"If we need any additional information from you, we'll reach out to","bauth.ofacBody2Post":". You don't need to do anything in the meantime.","bauth.ofacWhyTitle":"Why do we do this?","bauth.ofacWhyBody":"Mortgage origination is a regulated industry. We're required to run identity and sanctions screens on every new account before granting access to financial services. The check is automated and runs on millions of names — false matches happen, and we resolve them quickly.","bauth.returnHome":"Return to homepage","bauth.inboxTitle":"Account created — one last click","bauth.inboxSubtitlePre":"We sent a confirmation link to","bauth.inboxSubtitlePost":". One click and you're in.","bauth.inboxTimelineHeader":"Here's what happens next","bauth.inboxStep1Title":"Account created.","bauth.inboxStep2Title":"Open the email we just sent","bauth.inboxStep2Body":'Click the big "Confirm my email" button inside. Link is valid for 24 hours.',"bauth.inboxStep3Title":"You're in.","bauth.inboxStep3Body":"Confirming the email signs you straight to your dashboard — no extra password prompt.","bauth.inboxLookForHeader":"What to look for","bauth.inboxFromLabel":"From","bauth.inboxSubjectLabel":"Subject","bauth.inboxSubjectValue":"Confirm your Unified Loan System account","bauth.inboxNotSeenTitle":"Don't see it after a minute?","bauth.inboxNotSeenBody":'Check spam or promotions. Gmail and similar providers often hide first-time emails from new senders — mark us "Not spam" so future loan updates land in your main inbox.',"bauth.inboxWhyTitle":"Why we make you do this","bauth.inboxWhyBodyPre":"Confirming your email proves you're a real person (not a bot signing up in bulk) and that nobody created an account using your address by mistake. It's a","bauth.inboxWhyBodyBold":"one-time step","bauth.inboxWhyBodyPost":" — we won't ask again.","bauth.resendSending":"Sending another email…","bauth.resendSent":"Sent — check your inbox","bauth.resendIdle":"Resend the email","bauth.confirmLater":"I'll confirm later — let me sign in","bauth.wrongEmail":"Wrong email? Go back","bauth.blockedTitle":"Registration blocked","bauth.blockedSubtitle":"This invitation link is invalid or expired. You'll need an active broker referral to create an account.","bauth.stepCounter":"Step {current} of {total}","bauth.alreadyHaveAccount":"Already have an account?","bauth.signInInstead":"Sign in instead →","bauth.continue":"Continue","bauth.continueOrSkip":"Continue (or skip)","bauth.createAccount":"Create my account","bauth.orSkipForm":"Or skip the form","bauth.googleHelper":"Sign up with Google to skip the steps below — same account, faster.","bauth.welcomeIntroPre":"We're going to set up your borrower account in","bauth.welcomeIntroBold":"about 90 seconds","bauth.welcomeIntroPost":". Five quick screens, then you're in.","bauth.welcomeWhyHeader":"Why an account?","bauth.welcomeBenefit1Label":"Save your progress","bauth.welcomeBenefit1Body":"Fill out parts of your loan application and come back to finish later — no losing what you typed.","bauth.welcomeBenefit2Label":"Upload documents securely","bauth.welcomeBenefit2Body":"Drop in paystubs and bank statements. Encrypted in transit and at rest.","bauth.welcomeBenefit3Label":"Watch your loan move in real time","bauth.welcomeBenefit3Body":"See exactly what stage your loan 

1is in and who's holding things up.","bauth.welcomeBenefit4Label":"Direct line to your broker","bauth.welcomeBenefit4Body":"Message them from any loan page. They get pinged immediately.","bauth.welcomeFooter":"We never sell your data. All information is encrypted in transit and at rest using 256-bit AES.","bauth.nameWhyTitle":"Why we need your full legal name","bauth.nameWhyPre":"This name goes on every loan document — your application, your credit pull, your closing paperwork.","bauth.nameWhyBold":"It must match your government-issued ID exactly","bauth.nameWhyPost":", including middle name if it's on your ID. Don't use a nickname.","bauth.firstNameLabel":"First name","bauth.firstNamePlaceholder":"John","bauth.middleNameLabel":"Middle (optional)","bauth.middleNamePlaceholder":"Adam","bauth.lastNameLabel":"Last name","bauth.lastNamePlaceholder":"Doe","bauth.emailWhyTitle":"Why we need your email","bauth.emailWhyPre":"Two reasons. 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Or just let us generate a strong one for you.","bauth.generatePassword":"Generate strong password","bauth.copied":"Copied","bauth.copyToClipboard":"Copy to clipboard","bauth.confirmPasswordLabel":"Confirm password","bauth.passwordsNoMatch":"Passwords don't match yet.","bauth.savePasswordTitle":"Save this password somewhere safe.","bauth.savePasswordBodyPre":"We hash your password before storing it (one-way encryption) — meaning even","bauth.savePasswordWe":"we","bauth.savePasswordBodyMid":" can't recover it for you. If you lose it, you'll have to reset by email. We strongly recommend a password manager like","bauth.savePasswordComma":",","bauth.savePasswordBodyPost":", or your browser's built-in keychain.","bauth.passwordSamplePlaceholder":"your-password","bauth.hidePassword":"Hide password","bauth.showPassword":"Show password","bauth.pwStrengthTooShort":"Too short","bauth.pwStrengthWeak":"Weak — add length","bauth.pwStrengthOkay":"Okay — could be stronger","bauth.pwStrengthGood":"Good","bauth.pwStrengthExcellent":"Excellent","bauth.securityWhyTitle":"What this is, and why it's optional","bauth.securityWhyPre":"A security question is an","bauth.securityWhyBold1":"extra layer","bauth.securityWhyMid":" on top of your password. If someone steals your password and tries to sign in from a brand-new device, we'll ask one of these to confirm it's really you. ","bauth.securityWhyBold2":"Skip it if you'd rather just rely on the email codes","bauth.securityWhyPost":" we send for new-device sign-ins — that's already secure for most people.","bauth.securityFooter":"You can always set this up later in Settings → Security.","bauth.reviewWhyTitle":"One more thing before we create your account","bauth.reviewWhyBody":"Review the info you entered and accept our terms. The two checkboxes at the bottom are required — the short version is \"we'll handle your data carefully and never sell it.\" Text-message updates are optional; pick any categories you'd like.","bauth.phoneLabel":"Phone number","bauth.phoneHint":"So we can text loan updates.","bauth.phonePlaceholder":"(415) 555-1234","bauth.reviewNameLabel":"Name","bauth.reviewMissing":"(missing)","bauth.reviewSecurityLabel":"Security question","bauth.reviewSet":"Set","bauth.reviewSkipped":"Skipped","bauth.consentTermsPre":"I agree to the","bauth.consentTermsLink":"Unified Loan System Terms of Service","bauth.consentPrivacyPre":"I agree to the","bauth.consentPrivacyLink":"Unified Loan System Privacy Policy","bauth.consentPrivacyPost":", and consent to the collection, processing, and storage of my information for the purpose of originating my mortgage loan","bauth.edit":"Edit","bdash.portalActivityTitle":"Portal Activity","bdash.inactiveCount":"{count} inactive","bdash.noActiveBorrowers":"No active borrowers","bdash.activeNow":"Active now","bdash.daysAgo":"{days}d ago","bdash.remind":"Remind","bdash.satisfactionTitle":"Borrower Satisfaction","bdash.scoreExcellent":"Excellent","bdash.scoreGood":"Good","bdash.scoreFair":"Fair","bdash.scoreNeedsAttention":"Needs Attention","bdash.npsProxy":"NPS Proxy","bdash.noActiveLoansToMeasure":"No active loans to measure","bdash.statActive":"Active","bdash.statOnTrack":"On Track","bdash.statClosed":"Closed","bdash.enableSurveys":"No survey data yet -- Enable surveys","bdash.surveysEnabled":"Surveys enabled (placeholder)","bdash.sentimentTitle":"Borrower Sentiment","bdash.sentimentHappy":"Happy","bdash.sentimentNeutral":"Neutral","bdash.sentimentConcerned":"Concerned","bdash.sentimentFrustrated":"Frustrated","bdash.atRisk":"{count} at risk","bdash.reasonNoUpdates":"No updates in {days} days","bdash.reasonStalledEarly":"Loan stalled in early stage","bdash.reasonInactive":"Inactive for {days} days","bdash.reasonConditionsPending":"Outstanding conditions pending","bdash.reasonNearClosing":"Near closing","bdash.reasonStrongProgress":"Strong progress","bdash.reasonProgressingNormally":"Progressing normally","bdash.communicationTimelineTitle":"Communication Timeline","bdash.recentCount":"{count} recent","bdash.noRecentCommunication":"No recent communication","bdash.timeJustNow":"Just now","bdash.timeMinsAgo":"{mins}m ago","bdash.timeHoursAgo":"{hours}h ago","bdash.timeYesterday":"Yesterday","bdash.timeDaysAgo":"{days}d ago","bdash.timeWeeksAgo":"{weeks}w ago","bdash.touchpointStatus":"Loan moved to {stage}","bdash.touchpointDocument":"Uploaded {file}

1","bdash.touchpointWelcomeEmail":"Welcome email sent","bdash.documentRequestsTitle":"Document Requests","bdash.docW2":"W-2","bdash.docPayStubs":"Pay Stubs","bdash.docBankStatements":"Bank Statements","bdash.docTaxReturns":"Tax Returns","bdash.docPhotoId":"Photo ID","bdash.docPurchaseAgreement":"Purchase Agreement","bdash.docHoi":"HOI","bdash.missingCount":"{count} missing","bdash.allDocumentsReceived":"All documents received","bdash.loanCountSingular":"{count} loan","bdash.loanCountPlural":"{count} loans","bdash.daysPendingShort":"{days}d","bdash.moreCount":"+{count} more","bdash.quickMessageTitle":"Quick Message","bdash.recipientLabel":"Recipient","bdash.selectRecipientAria":"Select recipient borrower","bdash.selectBorrowerOption":"Select borrower...","bdash.channelLabel":"Channel","bdash.channelEmail":"Email","bdash.channelSms":"SMS","bdash.toPrefix":"To: {contact}","bdash.noEmailOnFile":"No email on file","bdash.noPhoneOnFile":"No phone on file","bdash.messageLabel":"Message","bdash.emailPlaceholder":"Type your email message...","bdash.smsPlaceholder":"Type your SMS (160 char)...","bdash.sending":"Sending...","bdash.sent":"Sent!","bdash.sendEmail":"Send Email","bdash.sendSms":"Send SMS","bapply.addr.currentAddress":"Current Address","bapply.addr.streetAddress":"Street Address","bapply.addr.unit":"Unit #","bapply.addr.city":"City","bapply.addr.state":"State","bapply.addr.zipCode":"Zip Code","bapply.addr.country":"Country","bapply.addr.housingStatus":"Housing Status","bapply.addr.housingOwn":"Own","bapply.addr.housingRent":"Rent","bapply.addr.housingRentFree":"Rent Free","bapply.addr.yearsAtAddress":"Years at Address","bapply.addr.monthsAtAddress":"Months at Address","bapply.addr.monthlyRent":"Monthly Rent ($)","bapply.gift.removeAria":"Remove gift or grant {index}","bapply.gift.type":"Type","bapply.gift.selectType":"Select type…","bapply.gift.typeCash":"Cash Gift","bapply.gift.typeEquity":"Gift of Equity","bapply.gift.typeOther":"Other Grant","bapply.gift.source":"Source","bapply.gift.selectSource":"Select source…","bapply.gift.sourceRelative":"Relative","bapply.gift.sourceEmployer":"Employer","bapply.gift.sourceAgency":"Agency","bapply.gift.sourceOther":"Other","bapply.gift.amount":"Amount","bapply.gift.emptyTitle":"No gifts or grants added yet","bapply.gift.emptyDesc":"Add any cash gifts, gift of equity, or grant funds you are receiving for this loan.","bapply.gift.addCta":"Add Gift/Grant","bapply.gift.addAnother":"Add Another Gift or Grant","bapply.nav.cancelEdit":"Cancel Edit","bapply.nav.previousSection":"Previous Section","bapply.nav.startFreshTitle":"Clear all fields pre-filled from your last loan","bapply.nav.startFresh":"Start fresh","bapply.nav.lastSaved":"Last saved: {time}","bapply.nav.saveChanges":"Save Changes","bapply.nav.finishExit":"Finish & Exit","bapply.nav.nextSection":"Next Section","bapply.nav.submitApplication":"Submit Application","bapply.nav.saveDraft":"Save Draft","bapply.sidebar.sections":"Sections","bapply.topbar.title":"Loan Application","bapply.topbar.editTitle":"Edit Loan Application","bapply.emp.applicationAdvisor":"Application Advisor","bapply.emp.fixThis":"Fix This","bapply.emp.emptyTitle":"No employment added yet","bapply.emp.emptyDesc":"Lenders require at least two years of employment history. Add your current job first, then any previous jobs if needed.","bapply.emp.addCta":"Add Employment","bapply.emp.removeAria":"Remove employment {index}","bapply.emp.detailsHeading":"Employment Details","bapply.emp.employerName":"Employer Name","bapply.emp.employerPhone":"Employer Phone (optional)","bapply.emp.employerAddress":"Employer Address","bapply.emp.employerAddressHint":"(optional \xb7 helpful for VOE)","bapply.emp.street":"Street","bapply.emp.city":"City","bapply.emp.state":"State","bapply.emp.zip":"Zip","bapply.emp.startDate":"Start Date","bapply.emp.endDate":"End Date","bapply.emp.endDatePlaceholder":"Leave blank if current","bapply.emp.yearsInLineOfWork":"Years in this Line of Work","bapply.emp.yearsInLineOfWorkPlaceholder":"Total years in career","bapply.emp.yearsInLineOfWorkHint":"Total years in this career field across every employer (not just this job).","bapply.emp.employmentType":"Employment Type","bapply.emp.selfEmployed":"Self

1-Employed","bapply.emp.ownershipShare":"Ownership Share (%)","bapply.emp.positionTitle":"Position / Title","bapply.emp.yearsOnJob":"Years on Job","bapply.emp.monthsOnJob":"Months on Job","bapply.emp.employedByFamily":"Employed by a family member?","bapply.emp.employedByParty":"Employed by party to transaction?","bapply.emp.monthlyIncomeDetails":"Monthly Income Details","bapply.emp.baseSalary":"Base Salary","bapply.emp.overtime":"Overtime","bapply.emp.bonus":"Bonus","bapply.emp.commission":"Commission","bapply.emp.military":"Military","bapply.emp.otherIncome":"Other","bapply.emp.totalMonthlyIncome":"Total Monthly Income:","bapply.asset.toastReplaced":"Replaced your entries with your bank accounts.","bapply.asset.toastAddedOne":"Added 1 account from your bank.","bapply.asset.toastAddedMany":"Added {count} accounts from your bank.","bapply.asset.verifyTitle":"Verify Your Assets","bapply.asset.verifyDesc":"Connect your bank securely to import your account balances automatically. No manual entry needed. We use bank-level encryption.","bapply.asset.toastReconnected":"Bank reconnected — your loan data is current again.","bapply.asset.bankConnected":"Bank connected","bapply.asset.toastDisconnected":"Bank disconnected. Cached financial data has been removed.","bapply.asset.toastConnected":"Bank account connected — pulling your accounts…","bapply.asset.analysisTitle":"Asset Analysis","bapply.asset.fixThis":"Fix This","bapply.asset.detailsHeading":"Asset Details","bapply.asset.removeAria":"Remove asset {index}","bapply.asset.accountType":"Account Type","bapply.asset.selectAccountType":"Select account type…","bapply.asset.typeChecking":"Checking","bapply.asset.typeSavings":"Savings","bapply.asset.typeMoneyMarket":"Money Market","bapply.asset.typeMutualFund":"Mutual Fund","bapply.asset.typeStocks":"Stocks","bapply.asset.typeRetirement":"Retirement (401k, IRA)","bapply.asset.typeOther":"Other","bapply.asset.financialInstitution":"Financial Institution","bapply.asset.accountLast4":"Account # (Last 4)","bapply.asset.cashMarketValue":"Cash / Market Value","bapply.asset.emptyTitle":"No assets listed yet","bapply.asset.emptyDesc":"Add bank accounts, retirement, or other financial assets to support your application.","bapply.asset.addCta":"Add Asset","bapply.asset.totalAssets":"Total Assets:","bapply.liab.debtAnalysis":"Debt Analysis","bapply.liab.fixThis":"Fix This","bapply.liab.removeAria":"Remove liability {index}","bapply.liab.detailsHeading":"Liability Details","bapply.liab.type":"Type","bapply.liab.selectType":"Select liability type…","bapply.liab.typeRevolving":"Revolving (Credit Cards)","bapply.liab.typeInstallment":"Installment (Loans)","bapply.liab.typeLease":"Lease","bapply.liab.typeOther":"Other","bapply.liab.creditorName":"Creditor Name","bapply.liab.accountNumber":"Account #","bapply.liab.unpaidBalance":"Total Unpaid Balance","bapply.liab.monthsLeft":"Months Left (Opt.)","bapply.liab.monthlyPayment":"Monthly Min. Payment","bapply.liab.paidOffAtClosing":"Will be paid off at closing","bapply.liab.resubordinated":"Resubordinated (lender will advise)","bapply.liab.excludedFromDti":"Excluded from DTI calculation","bapply.liab.emptyTitle":"No liabilities listed yet","bapply.liab.emptyDesc":"List your credit cards, loans, and leases. If you pull credit below, these will populate automatically.","bapply.liab.addCta":"Add Liability","bapply.liab.totalBalance":"Total Balance:","bapply.liab.totalMonthlyPayments":"Total Monthly Payments:","bapply.re.analysisTitle":"Real Estate Analysis","bapply.re.fixThis":"Fix This","bapply.re.removePropertyAria":"Remove property {index}","bapply.re.detailsHeading":"Property Details","bapply.re.streetAddress":"Street Address","bapply.re.city":"City","bapply.re.state":"State","bapply.re.zipCode":"Zip Code","bapply.re.propertyValue":"Property Value","bapply.re.status":"Status","bapply.re.statusRetained":"Retained","bapply.re.statusSold":"Sold","bapply.re.statusPending":"Pending","bapply.re.intendedOccupancy":"Intended Occupancy","bapply.re.occPrimary":"Primary","bapply.re.occInvestment":"Investment","bapply.re.occSecondHome":"Second Home","bapply.re.monthlyInsuranceTaxesHoa":"Monthly Insurance, Taxes, HOA","bapply.re.monthlyRentalIncome":"Monthly Rental Income","bapply.re.mortgageLoansHeading":"Mortgage Loans on this Property","bapply.re.addMortgage":"Add Mortgage","bapply.re.creditorName":"Creditor Name","bapply.re.accountNumber":"Account #","bapply.re.balance":"Balance","bapply.re.payment":"Payment","bapply.re.loanTypeAria":"Loan type for mortgage {mortgage} on property {property}","bapply.re.typePlaceholder":"Type…","bapply.re.typeConventional":"Conv","bapply.re.typeOther":"Other","bapply.re.removeMortgageAria":"Remove mortgage {mortgage} from property {property}","bapply.re.noMortgages":"No mortgages listed.","bapply.re.emptyTitle":"No properties listed yet","bapply.re.emptyDesc":"If you own any property, add it here. It's fine to skip this 

1section if you don't own real estate.","bapply.re.addCta":"Add Property","bapply.re.addAnother":"Add Another Property","bapply.guest.step1Title":"Tell us about you","bapply.guest.step2Title":"What you're financing","bapply.guest.step3Title":"The numbers (rough is fine)","bapply.guest.step4Title":"Your timeline & how to reach you","bapply.guest.step5Title":"Your contact info","bapply.guest.couldNotSave":"Could not save ({status}).","bapply.guest.networkError":"Network error","bapply.guest.backToLanding":"Back to landing","bapply.guest.preApplicationPill":"Pre-application \xb7 No SSN, no credit pull","bapply.guest.stepCounter":"Step {current} of {total} \xb7 This carries straight into your full application — you won't re-enter any of it.","bapply.guest.continueOrSkip":"Continue (or skip)","bapply.guest.continue":"Continue","bapply.guest.continueToAccount":"Continue to account setup","bapply.guest.encryptedFooter":"Encrypted in a short-lived signed cookie. Nothing is written to our database until you create your account.","bapply.guest.yes":"Yes","bapply.guest.

1no":"No","bapply.guest.s1WhyTitle":"Three quick yes/no questions","bapply.guest.s1WhyBodyA":"We ask these so we can ","bapply.guest.s1WhyBodyStrong":"only show you loan programs you actually qualify for","bapply.guest.s1WhyBodyB":". First-time buyer programs, VA loans for veterans, conventional vs. jumbo — different paths depending on your story. Skip any of them; nothing here is binding.","bapply.guest.s1ApplyingWithAnyone":"Are you applying with anyone else?","bapply.guest.s1JustMe":"Just me","bapply.guest.s1Spouse":"Spouse","bapply.guest.s1Partner":"Partner","bapply.guest.s1FamilyFriend":"Family / friend","bapply.guest.s1BoughtBefore":"Have you bought a home before?","bapply.guest.s1BoughtBeforeYes":"Yes, I've bought before","bapply.guest.s1BoughtBeforeNo":"No, this would be my first","bapply.guest.s1Veteran":"Have you served in the military or are you a veteran?","bapply.guest.s1VeteranHint":"Unlocks VA loan eligibility — typically 0% down + no PMI.","bapply.guest.s2WhyTitle":"Where + what type of property?","bapply.guest.s2WhyBody":"Property location determines state-level disclosures and tax estimates. Property type changes lender eligibility — for example, condos go through a project review, manufactured homes need foundation certifications, and multi-unit properties have different DTI rules.","bapply.guest.s2LoanPurpose":"What are you doing with this loan?","bapply.guest.s2PurposeBuying":"Buying a home","bapply.guest.s2PurposeRefiRate":"Refi — better rate","bapply.guest.s2PurposeRefiCash":"Refi — take cash out","bapply.guest.s2Occupancy":"How will you use the property?","bapply.guest.s2OccPrimary":"Primary residence","bapply.guest.s2OccSecond":"Second home","bapply.guest.s2OccInvestment":"Investment","bapply.guest.s2PropertyType":"Property type","bapply.guest.s2TypeSingleFamily":"Single family","bapply.guest.s2TypeCondo":"Condo","bapply.guest.s2TypeMultiUnit":"2-4 units","bapply.guest.s2TypeManufactured":"Manufactured","bapply.guest.s2StreetAddress":"Property street address","bapply.guest.s2StreetPlaceholder":"123 Main St","bapply.guest.s2City":"City","bapply.guest.s2State":"State","bapply.guest.s2StateHint":"2 letters","bapply.guest.s2Zip":"ZIP","bapply.guest.s3WhyTitle":"A rough quote — exact numbers come later","bapply.guest.s3WhyBodyA":"We use these to","bapply.guest.s3WhyBodyStrong":"show you realistic interest rates and a monthly payment estimate","bapply.guest.s3WhyBodyB":"on the next page. Don't worry about being off by a few thousand — we'll refine everything when you do the full application.","bapply.guest.s3PropertyValue":"Estimated property value ($)","bapply.guest.s3PropertyValueHint":"What you think it's worth.","bapply.guest.s3LoanAmount":"Estimated loan amount ($)","bapply.guest.s3LoanAmountHint":"What you'd borrow.","bapply.guest.s3ImpliedLtv":"Implied LTV","bapply.guest.s3ImpliedDownPayment":"Implied down payment","bapply.guest.s3DownPaymentSource":"Where is the down payment coming from?","bapply.guest.s3DownPaymentSourceHint":"Optional — just helps us route to the right loan products.","bapply.guest.s3DpSavings":"Savings","bapply.guest.s3DpGift":"Gift","bapply.guest.s3DpSaleOfHome":"Selling a home","bapply.guest.s3DpRetirement":"401(k) / IRA","bapply.guest.s3DpOther":"Other","bapply.guest.s4WhyTitle":"So your broker can plan around you","bapply.guest.s4WhyBodyA":"Your timeline tells us how aggressively to push the file.","bapply.guest.s4WhyShopping":"Just shopping?","bapply.guest.s4WhyBodyB":"We'll send rate alerts and won't bug you.","bapply.guest.s4WhyAsap":"ASAP?","bapply.guest.s4WhyBodyC":"Your file gets prioritized and we'll work nights to hit your closing date.","bapply.guest.s4ClosingTimeline":"When are you hoping to close?","bapply.guest.s4Days3060":"30-60 days","bapply.guest.s4Days6090":"60-90 days","bapply.guest.s4Days90plus":"90+ days","bapply.guest.s4JustShopping":"Just shopping","bapply.guest.s4ContactMethod":"How should your broker reach out to you?","bapply.guest.s4EmailOnly":"Email only","bapply.guest.s4PhoneCalls":"Phone calls","bapply.guest.s4EitherFine":"Either is fine","bapply.guest.s4BestTime":"Best time of day for calls / responses","bapply.guest.s4Morning":"Morning","bapply.guest.s4Afternoon":"Afternoon","bapply.guest.s4Evening":"Evening","bapply.guest.s4Anytime":"Anytime","bapply.guest.s5WhyTitle":"Last thing — how do we reach you?","bapply.guest.s5WhyBodyA":"Just enough to follow up. Your name, an email for the verification link, and a phone if you said you want calls.","bapply.guest.s5WhyBodyStrong":"We won't run credit, won't share your info, and won't email you marketing junk.","bapply.guest.s5FirstName":"First name","bapply.guest.s5LastName":"Last name","bapply.guest.s5Email":"Email","bapply.guest.s5EmailHint":"We'll send your account-setup link here.","bapply.guest.s5Phone":"Phone","bapply.guest.s5PhoneOptional":"Phone (optional)","bapply.guest.s5PhoneHintRequired":"You said you want calls — we need a number.","bapply.guest.s5PhoneHintOptional":"Only used if your broker needs to reach you.","bapply.step1.scanLicense":"Scan Driver's License","bapply.step1.fastMobileAuth":"Fast Mobile Auth","bapply.step1.manualEntryToast":"Proceeding with manual entry.","bapply.step1.identityVerifiedToast":"Identity Verified! 1003 Pre-filled successfully.","bapply.step1.aamvaReviewToast":"We pre-filled what we could from your ID — please double-check the highlighted fields.","bapply.step1.aamvaVerifiedToast":"Driver's License verified — data pre-filled.","bapply.step1.headerTitle":"Borrower Information","bapply.step1.headerDesc":"Tell us about yourself — name, contact info, and where you live.","bapply.step1.autofillTitle":"Pre-filled from your last loan.","bapply.step1.autofillBodyA":"Fields marked","bapply.step1.autofillBadge":"Last loan","bapply.step1.autofillBodyB":"were copied automatically. Edit any field to update it, or use “Start fresh” in the footer.","bapply.step1.firstName":"First Name","bapply.step1.middleName":"Middle Name","bapply.step1.noMiddleName":"I don't have a middle name (or it's not on my ID)","bapply.step1.lastName":"Last Name","bapply.step1.suffix":"Suffix (optional \xb7 Jr, Sr, III, etc.)","bapply.step1.alternateNames":"Alternate Names (optional \xb7 

1names you've gone by in the past)","bapply.step1.alternateNamesPlaceholder":"e.g. maiden name","bapply.step1.email":"Email","bapply.step1.cellPhone":"Cell Phone","bapply.step1.homePhone":"Home Phone (optional)","bapply.step1.workPhone":"Work Phone (optional)","bapply.step1.dateOfBirth":"Date of Birth","bapply.step1.dobHint":"Required by federal lending regulations to verify your identity.","bapply.step1.ssn":"Social Security Number","bapply.step1.ssnHint":"We use this to pull your credit report. Transmitted over TLS and never sold.","bapply.step1.maritalStatus":"Marital Status","bapply.step1.required":"* Required","bapply.step1.maritalMarried":"Married","bapply.step1.maritalSeparated":"Separated","bapply.step1.maritalUnmarriedLong":"Unmarried (Single, Divorced, Widowed)","bapply.step1.citizenship":"Citizenship","bapply.step1.citizenUs":"U.S. Citizen","bapply.step1.citizenPermanent":"Permanent Resident Alien","bapply.step1.citizenNonPermanent":"Non-Permanent Resident Alien","bapply.step1.currentAddress":"Current Address","bapply.step2.headerTitle":"Employment Information","bapply.step2.headerDesc":"Tell us about your work history for the past two years. Include all jobs, even part-time.","bapply.step2.autofillTitle":"Employment pre-filled from your last loan.","bapply.step2.autofillBody":"Update any field if your situation has changed.","bapply.step3.headerTitle":"Financial Information — Assets","bapply.step3.headerDesc":"List your bank accounts, retirement accounts, and other financial assets.","bapply.step3.giftsTitle":"Gifts or Grants","bapply.step3.giftsDesc":"Gifts or grants you have been given or will receive for this loan.","bapply.step4.pullSuccessToast":"Factual Data Tri-Merge pulled successfully! Score: {score}","bapply.step4.pullFailToast":"Failed to pull credit","bapply.step4.pullNetworkErrorToast":"Network error communicating with Factual Data.","bapply.step4.creditVerified":"Credit Verified: {score}","bapply.step4.pullingCredit":"Pulling Credit…","bapply.step4.pullCredit":"Pull Credit via Factual Data","bapply.step4.headerTitle":"Financial Information — Liabilities","bapply.step4.headerDesc":"List your credit cards, loans, leases, and any other monthly debt obligations.","bapply.step5.headerTitle":"Financial Information — Real Estate","bapply.step5.headerDesc":"List any properties you currently own, including the address, estimated value, and any mortgages on them.","bapply.step6.headerTitle":"Loan & Property Information","bapply.step6.headerDesc":"Tell us about the property you're buying or refinancing and how much you'd like to borrow.","bapply.step6.loanAnalysis":"Loan Analysis","bapply.step6.fixThis":"Fix This","bapply.step6.loanAmount":"Loan Amount","bapply.step6.propertyValue":"Property Value (Estimated)","bapply.step6.loanPurpose":"Loan Purpose","bapply.step6.purposePurchase":"Purchase","bapply.step6.purposeRefinance":"Refinance","bapply.step6.purposeOther":"Other","bapply.step6.propertyType":"Property Type","bapply.step6.ptSingleFamily":"Single Family","bapply.step6.ptCondo":"Condo","bapply.step6.ptTownhouse":"Townhouse","bapply.step6.ptMultiFamily":"Multi-Family","bapply.step6.ptOther":"Other","bapply.step6.occupancy":"Occupancy","bapply.step6.occPrimary":"Primary Residence","bapply.step6.occSecond":"Second Home","bapply.step6.occInvestment":"Investment Property","bapply.step6.occFhaSecondary":"FHA Secondary Residence","bapply.step6.subjectPropertyAddress":"Subject Property Address","bapply.step6.streetAddress":"Street Address","bapply.step6.city":"City","bapply.step6.state":"State","bapply.step6.zipCode":"Zip Code","bapply.step6.mixedUse":"Mixed-Use Property","bapply.step6.manufacturedHome":"Manufactured Home","bapply.step6.firstTimeHomebuyer":"First-Time Homebuyer","bapply.step6.subordinateFinancing":"Subordinate Financing (optional)","bapply.step6.leaveBlankIfNone":"Leave blank if none","bapply.step6.estimatedRentalIncome":"Estimated Monthly Rental Income (optional)","bapply.step6.leaveBlankIfNotRental":"Leave blank if not a rental","bapply.step6.hoaDues":"Monthly HOA Dues (optional)","bapply.step6.leaveBlankIfNoHoa":"Leave blank if no HOA","bapply.step6.refiTypeLabel":"What kind of refinance?","bapply.step6.refiRateTerm":"Rate/term","bapply.step6.refiRateTermDesc":"Lower my rate or change my term","bapply.step6.refiCashOut":"Cash-out","bapply.step6.refiCashOutDesc":"Take cash out of my equity","bapply.step6.cashOutAmount":"About how much cash would you like to take out?","bapply.step6.unitCountLabel":"How many units does the property have?","bapply.step6.unitCount2":"2 units","bapply.step6.unitCount3":"3 units","bapply.step6.unitCount4"

1:"4 units","bapply.step6.ownershipDetails":"Property ownership details","bapply.step6.ownershipOptional":"Optional — your broker can complete this with you later","bapply.step6.estateType":"How will you hold the property?","bapply.step6.estateFeeSimple":"Fee simple","bapply.step6.estateFeeSimpleDesc":"Most common — you own the home and the land","bapply.step6.estateLeasehold":"Leasehold","bapply.step6.estateLeaseholdDesc":"You own the home but lease the land it sits on","bapply.step6.titleManner":"How will title be held?","bapply.step6.titleSole":"Sole ownership","bapply.step6.titleJoint":"Joint tenants","bapply.step6.titleCommon":"Tenants in common","bapply.step6.titleCommunity":"Community property","bapply.step6.titleUnsureHint":"Not sure? Skip it — you can decide with your broker later.","bapply.step7.headerTitle":"Declarations","bapply.step7.headerDesc":"Answer each question as it applies to your situation. These are standard questions required on every mortgage application.","bapply.step7.importantDeclarations":"Important Declarations","bapply.step7.whyWeAsk":"Why we ask \xb7 full text","bapply.step7.answerForAria":"Answer for: {question}","bapply.step7.yes":"Yes","bapply.step7.no":"No","bapply.step7.bankruptcyType":"Bankruptcy Type","bapply.step7.selectType":"Select Type","bapply.step7.explanationLabel":'Explanation for any "Yes" answers (Optional)',"bapply.step7.explanationPlaceholder":"Please provide details for any declarations marked 'Yes'... (or tap the mic to dictate)","bapply.step7.q_a_label":"A. Will this be your primary home?","bapply.step7.q_a_full":"Will you occupy the property as your primary residence?","bapply.step7.q_b_label":"B. Are you related to or in business with the seller?","bapply.step7.q_b_full":"Do you have a family relationship or business affiliation with the seller of the property?","bapply.step7.q_c_label":"C. Borrowing money for closing or down payment from someone not listed here?","bapply.step7.q_c_full":"Are you borrowing any money for this real estate transaction (e.g., money for your closing costs or down payment) or obtaining any money from another party, such as the seller or realtor, that you have not disclosed on this loan application?","bapply.step7.q_d_label":"D. Applying for another mortgage anywhere else before this one closes?","bapply.step7.q_d_full":"Have you or will you be applying for a mortgage loan on another property (not the property securing this loan) on or before closing this transaction that is not disclosed on this loan application?","bapply.step7.q_e_label":"E. Applying for any new credit (card, loan, etc.) before this loan closes?","bapply.step7.q_e_full":"Have you or will you be applying for any new credit (e.g., installment loan, credit card, etc.) on or before closing this loan that is not disclosed on this application?","bapply.step7.q_f_label":"F. Any other lien that would sit ahead of the new mortgage?","bapply.step7.q_f_full":"Will this property be subject to a lien that could take priority over the first mortgage lien?","bapply.step7.q_g_label":"G. Co-signer or guarantor on any debt not listed here?","bapply.step7.q_g_full":"Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application?","bapply.step7.q_h_label":"H. Any outstanding court judgments against you?","bapply.step7.q_i_label":"I. Behind on a federal debt (taxes, student loan, SBA, etc.)?","bapply.step7.q_i_full":"Are you currently delinquent or in default on a Federal debt?","bapply.step7.q_j_label":"J. Party to a lawsuit where you could owe money?","bapply.step7.q_j_full":"Are you a party to a lawsuit in which you potentially have any personal financial liability?","bapply.step7.q_k_label":"K. Given up property in lieu of foreclosure in the last 7 years?","bapply.step7.q_k_full":"Have you conveyed title to any property in lieu of foreclosure in the past 7 years?","bapply.step7.q_l_label":"L. Filed bankruptcy in the last 7 years?","bapply.step7.q_l_full":"Have you declared bankruptcy within the past 7 years?","bapply.step8.headerTitle":"Acknowledgments and Agreements","bapply.step8.headerDesc":"Review the statements below and check the box to confirm your agreement before continuing.","bapply.step8.intro":"I agree to, acknowledge, and represent the following:","bapply.step8.p1Label":"(1) The Complete Information for this Application:","bapply.step8.p1Body":"The information I have provided in this application is true, accurate, and complete as of the date I signed this application. You may rely on this information in deciding whether to approve this application.","bapply.step8.p2Label":"(2) The Property's Security:","bapply.step8.p2Body":"The Loan I have applied for will be secured by a mortgage or deed of trust which provides the Lender a security interest in the property described 

1in this application.","bapply.step8.p3Label":"(3) The Property's Appraisal, Value, and Condition:","bapply.step8.p3Body":"Any appraisal or value of the property obtained by you is for use by you and other Loan Participants. I have not relied on any appraisal or value of the property obtained by you.","bapply.step8.p4Label":"(4) Electronic Records and Signatures:","bapply.step8.p4Body":"I agree to receive and sign documents electronically.","bapply.step8.p5Label":"(5) Delinquency:","bapply.step8.p5Body":"The Lender may report information about my account to credit bureaus. Late payments, missed payments, or other defaults on my account may be reflected in my credit report.","bapply.step8.p6Label":"(6) Use of Information:","bapply.step8.p6Body":"I authorize the Lender to verify the information I have provided.","bapply.step8.agreeCheckbox":"I agree to the above acknowledgments and consent to electronic signatures.","bapply.step9.militaryTitle":"Military Service","bapply.step9.militaryDesc":"If you've served in the U.S. Armed Forces, you may qualify for a VA loan with no down payment.","bapply.step9.militaryQuestion":"Did you (or your deceased spouse) ever serve, or are you currently serving, in the United States Armed Forces?","bapply.step9.militaryAria":"Military service: Yes or No","bapply.step9.yes":"Yes","bapply.step9.no":"No","bapply.step9.checkAllApply":"Check all that apply:","bapply.step9.activeDuty":"Currently serving on active duty","bapply.step9.survivingSpouse":"Surviving spouse","bapply.step9.demographicTitle":"Demographic Information","bapply.step9.demographicDesc":"Federally required for Home Mortgage Disclosure Act (HMDA) reporting. Answering is optional — refusing will not affect your application.","bapply.step9.ethnicity":"Ethnicity","bapply.step9.pickOne":"\xb7 Pick one (refusing is fine)","bapply.step9.hmdaHelper":"Federally required for HMDA reporting. Refusing won't affect your application.","bapply.step9.hmdaHelperRace":"Federally required for HMDA reporting. Select all that apply. Refusing won't affect your application.","bapply.step9.ethHispanic":"Hispanic or Latino","bapply.step9.ethNotHispanic":"Not Hispanic or Latino","bapply.step9.refuse":"I do not wish to provide this information","bapply.step9.ethSubMexican":"Mexican","bapply.step9.ethSubPuertoRican":"Puerto Rican","bapply.step9.ethSubCuban":"Cuban","bapply.step9.ethSubOther":"Other Hispanic or Latino","bapply.step9.enterOrigin":"Enter origin","bapply.step9.sex":"Sex","bapply.step9.sexMale":"Male","bapply.step9.sexFemale":"Female","bapply.step9.race":"Race","bapply.step9.race_americanIndianOrAlaskaNative":"American Indian or Alaska Native","bapply.step9.race_asian":"Asian","bapply.step9.race_blackOrAfricanAmerican":"Black or African American","bapply.step9.race_nativeHawaiianOrOtherPacificIslander":"Native Hawaiian or Other Pacific Islander","bapply.step9.race_white":"White","bapply.step9.race_refuse":"I do not wish to provide this information","bapply.step9.raceSub_asianIndian":"Asian Indian","bapply.step9.raceSub_chinese":"Chinese","bapply.step9.raceSub_filipino":"Filipino","bapply.step9.raceSub_japanese":"Japanese","bapply.step9.raceSub_korean":"Korean","bapply.step9.raceSub_vietnamese":"Vietnamese","bapply.step9.raceSub_otherAsian":"Other Asian","bapply.step9.raceSub_nativeHawaiian":"Native Hawaiian","bapply.step9.raceSub_guamanianOrChamorro":"Guamanian or Chamorro","bapply.step9.raceSub_samoan":"Samoan","bapply.step9.raceSub_otherPacificIslander":"Other Pacific Islander","bapply.step9.enterTribe":"Enter name of enrolled or principal tribe","bapply.step9.loanOriginatorTitle":"Loan Originator Information","bapply.step9.loanOriginatorBody":"Your broker and assigned loan officer will fill in this section before your final disclosures are issued. You'll see their full name, NMLS IDs, and contact details on every disclosure document you receive.","bapply.step10.headerTitle":"Final Review & Consent","bapply.step10.headerDesc":"You're almost done. Review and accept the disclosures below to submit your application.","bapply.page.autosaveEditing":"Editing…","bapply.page.autosaveSaving":"Saving…","bapply.page.autosaveSaved":"Saved","bapply.page.autosaveFailed":"Save failed","bapply.page.step_borrower_label":"Borrower","bapply.page.step_borrower_short":"Info","bapply.page.step_employment_label":"Employment","bapply.page.step_employment_short":"Work","bapply.page.step_assets_label":"Assets","bapply.page.step_assets_short":"Assets","bapply.page.step_liabilities_label":"Liabilities","bapply.page.step_liabilities_short":"Debts","bapply.page.step_realEstate_label":"Real Estate","bapply.page.step_realEstate_short":"RE","bapply.page.step_loanProperty_label":"Loan & Property","bapply.page.step_loanProperty_short":"Loan","bapply.page.step_transactionTeam_label":"Transaction Team","bapply.page.step_transactionTeam_short":"Team","bapply.page.step_declarations_label":"Declarations","bapply.page.step_declarations_short":"Decl.","bapply.page.step_agreements_label":"Agreements","bapply.page.step_agreements_short":"Agree","bapply.page.step_militaryDemo_label":"Military & Demo","bapply.page.step_militaryDemo_short":"Mil.","bapply.page.step_consent_label":"Consent","bapply.page.step_consent_short":"Final","bapply.page.fieldUpdatedAi":"Field updated from AI suggestion.","bapply.page.saveTimeout":"Saving took longer than expected — your last change may not be saved. Refresh to confirm.","bapply.page.consentRequiredTitle":"Consent Required","bapply.page.consentRequiredMsg":"You must accept all terms and disclosures to proceed.","bapply.page.fixIt":"Fix it","bapply.page.noBorrowerId":"Error: No borrower ID found. Please log in again.","bapply.page.savingChanges":"Saving changes...","bapply.page.submittingApplication":"Submitting application...","bapply.page.pleaseComplete":"Please complete the following:\n{items}","bapply.page.actionRequiredTitle":"Action Required","bapply.page.outstandingConditions":"You have outstanding conditions to resolve.","bapply.page.loanNotFound":"Error: Could not find loan to update. Please try again.","bapply.page.savedAt":"Saved successfully at {time}","bapply.page.applicationSubmitted":"Application Submitted! Redirecting to dashboard...","bapply.page.submitErrorPrefixed":"Error: {error}. Please try again.","bapply.page.submitFailedDefault":"Failed to submit application","bapply.page.networkError":"A network error occurred. Please check your connection and try again.","bapply.page.docUpdated1003":"1003 updated from your document.","bapply.page.sectionComingSoon":"Section {step} coming soon...","bapply.page.saveFailedBanner":"Save failed","bapply.page.retry":"Retry","bapply.page.dismissError":"Dismiss error","bapply.page.walkMeThrough":"Walk me through this step","bapply.page.missingDataTitle":"Missing Data Warning","bapply.page.missingDataDesc":"Some required fields are incomplete or have errors. You can go back and fix them now, or submit as-is — but incomplete applications may delay your approval.","bapply.page.goBackFix":"Go Back & Fix","bapply.page.submitAnyway":"Submit Anyway","bapply.page.saveFirst":"Save your application first","bloan.backToDashboard":"Back to dashboard","bloan.loanNotFound":"Loan not found","bloan.loanNotFoundOrNoAccess":"This loan does not exist or you do not have access.","bloan.notFoundTitle":"Not found","bloan.loanNotExistOrNoAccess":"This loan doesn't exist or you don't have access.","bloan.forbiddenTitle":"Forbidden","bloan.viewOwnLoansOnly":"You can only view your own loans.","bloan.openInNewTab":"Open in new tab","bloan.download":"Download","bloan.notAvailable":"Not available","bloan.reviewedBadge":"Reviewed","bloan.versionLabel":"Version {version}","bloan.issuedOn":"Issued {date}","bloan.viewedOn":"Viewed {date}","bloan.previousVersions":"Previous versions ({count})","bloan.fromLabel":"From","bloan.exploreTitle":"Explore Loan Options","bloan.exploreSubtitle":"Whether you are a first-time homebuyer, a veteran, or a real estate investor, we have the perfect financing solution tailored to your goals.","bloan.exploreHint":"Pick the program that fits your situation — nothing is locked in. You can fine-tune the details (and switch programs with your loan officer) in the next step.","bloan.mostPopular":"Most Popular","bloan.bestForLabel":"Best for:","bloan.applyForThisLoan":"Apply for this loan","bloan.notSureTitle":"Not sure which loan is right for you?","bloan.notSureBody":"Use our AI-powered intelligent matching system to find the perfect loan program based on your financial profile in seconds.","bloan.getMatched":"Get Matched","bloan.useCalculator":"Use Calculator","bloan.type_conventional_title":"Conventional Loan","bloan.type_conventional_desc":"The standard choice for most homebuyers with good credit.","bloan.type_conventional_bestFor":"Borrowers with a 620+ credit score.","bloan.type_conventional_benefit1":"Flexible terms (10-30 years)","bloan.type_conventional_benefit2":"Low down payment options (from 3%)","bloan.type_conventional_benefit3":"No upfront mortgage insurance fee","bloan.type_fha_title":"FHA Loan","bloan.type_fha_desc":"Government-backed loans de

1signed for low-to-moderate income borrowers.","bloan.type_fha_bestFor":"First-time buyers or those with lower credit scores.","bloan.type_fha_benefit1":"Lower credit scores accepted (580+)","bloan.type_fha_benefit2":"Low down payment (3.5%)","bloan.type_fha_benefit3":"More flexible DTI limits","bloan.type_va_title":"VA Loan","bloan.type_va_desc":"Exclusive benefits for veterans, active-duty service members, and eligible surviving spouses.","bloan.type_va_bestFor":"Military members and veterans.","bloan.type_va_benefit1":"$0 down payment required","bloan.type_va_benefit2":"No private mortgage insurance (PMI)","bloan.type_va_benefit3":"Competitive interest rates","bloan.type_jumbo_title":"Jumbo Loan","bloan.type_jumbo_desc":"Financing for luxury properties and homes in highly competitive real estate markets.","bloan.type_jumbo_bestFor":"Buyers purchasing luxury or high-cost homes.","bloan.type_jumbo_benefit1":"Loan amounts exceeding conforming limits","bloan.type_jumbo_benefit2":"Fixed or adjustable rates","bloan.type_jumbo_benefit3":"Up to $3M+ loan amounts","bloan.type_usda_title":"USDA Loan","bloan.type_usda_desc":"Zero-down payment mortgages for rural and suburban homebuyers.","bloan.type_usda_bestFor":"Buyers in designated rural or suburban areas.","bloan.type_usda_benefit1":"$0 down payment","bloan.type_usda_benefit2":"Below-market mortgage rates","bloan.type_usda_benefit3":"Low mortgage insurance costs","bloan.type_dscr_title":"DSCR Investment Loan","bloan.type_dscr_desc":"Debt Service Coverage Ratio loans for real estate investors using rental income to qualify.","bloan.type_dscr_bestFor":"Real estate investors and property flippers.","bloan.type_dscr_benefit1":"No personal income verification required","bloan.type_dscr_benefit2":"Qualify based on property cash flow","bloan.type_dscr_benefit3":"Close in an LLC","bloan.intentReceivedTitle":"Intent to proceed received","bloan.intentRecordedAt":"Recorded {when}. Your loan officer can now collect appraisal and other third-party fees.","bloan.intentCtaTitle":"Express your intent to proceed","bloan.intentCtaBodyBefore":"Once you've reviewed this Loan Estimate and want to move forward with the loan, click below to let your loan officer know.","bloan.intentCtaBodyEmphasis":"This is not a commitment to take the loan.","bloan.intentCtaBodyAfter":"It only authorizes them to start ordering services like the appraisal.","bloan.intentCtaFeeNote":"Until you express intent, your lender cannot charge you fees beyond a credit-report charge.","bloan.intentRecording":"Recording…","bloan.intentButton":"I intend to proceed","bloan.exitFullscreen":"Exit fullscreen","bloan.openFullscreen":"Open in fullscreen","bloan.exitFullscreenEsc":"Exit fullscreen (Esc)","bloan.helpChatFooter":"Breeze can answer general questions. For lender-specific or legal advice, contact your loan officer.","bloan.leHelpTitle":"Ask Breeze about your Loan Estimate","bloan.leHelpSubtitle":"Answers about disclosures, fees, intent to proceed, and TRID timing.","bloan.leHelpWelcome":"Have a question about your Loan Estimate? Ask anything — what fees mean, how the rate was set, what happens after you express intent.","bloan.leHelpWelcomeBroker":"Have a question about your Loan Estimate from {broker}? Ask anything — what fees mean, how the rate was set, what happens after you express intent.","bloan.leSuggestWhatIs":"What is a Loan Estimate?","bloan.leSuggestWhyGetting":"Why am I getting this?","bloan.leSuggestIntentMeaning":'What does "Intent to Proceed" mean?',"bloan.leSuggestNewVersion":"What if a new version is issued?","bloan.leSuggestFeesBeforeIntent":"What fees can my lender charge before I express intent?","bloan.leSuggestRateValid":"How long is this rate valid?","bloan.cdHelpTitle":"Ask Breeze about your Closing Disclosure","bloan.cdHelpSubtitle":"Answers about cash-to-close, the 3-day window, line-item changes, and rescission.","bloan.cdHelpWelcome":"Have a question about your Closing Disclosure? Ask me about any line item, the 3-day review window, cash-to-close, or what changed since your Loan Estimate.","bloan.cdHelpWelcomeBroker":"Have a question about your Closing Disclosure from {broker}? Ask me about any line item, the 3-day review window, cash-to-close, or what changed since your Loan Estimate.","bloan.cdSuggestWhatIs":"What is a Closing Disclosure?","bloan.cdSuggestWhy3Days":"Why do I have to wait 3 business days?","bloan.cdSuggestDifferFromLe":"How does this differ from my Loan Estimate?","bloan.cdSuggestCashToClose":'What is "cash to close"?',"bloan.cdSuggestRescission":"What is the right of rescission?","bloan.cdSuggestChangesAtClosing":"What changes can still happen at closing?","bloan.cdPageTitle":"Your Closing Disclosure","bloan.cdNotIssued":"Your loan officer hasn't issued a Closing Disclosure yet.","bloan.cdLatestLabel":"Latest Closing Disclosure","bloan.cdEarliestClosing":"Earliest legal closing date: {date}","bloan.cdTileMonthlyPi":"Monthly principal & interest","bloan.cdTileInterestRate":"Interest rate","bloan.cdTileCashToClose":"Cash to close","bloan.cdTileCashToCloseSub":"what you bring to closing","bloan.cdWorksheetHeading":"Cash-to-close worksheet","bloan.cdCtcTotalClosingCosts":"Total closing costs","bloan.cdCtcCostsPaidBefore":"Closing costs paid before closing","bloan.cdCtcCostsFinanced":"Closing costs financed","bloan.cdCtcLenderCredits":"Lender credits","bloan.cdCtcDownPayment":"Down payment","bloan.cdCtcEarnestDeposit":"Earnest money deposit","bloan.cdCtcSellerCredits":"Seller credits","bloan.cdCtcFundsForBorrower":"Funds for borrower","bloan.cdCtcOtherAdjustments":"Other adjustments","bloan.cdCtcCashToCloseRow":"Cash to close","bloan.cdWorksheetNote":"Negative values are credits that reduce the amount you bring. Positive values add to it.","bloan.cdTrustNote":"This is a transactional disclosure required by federal law. Your access to it is logged for audit. Only you and your authorized lender team can see this page.","bloan.lePageTitle":"Your Loan Estimates","bloan.leStepApplied":"Ap

1plied","bloan.leStepLeIssued":"LE issued","bloan.leStepReviewed":"Reviewed","bloan.leStepIntent":"Intent","bloan.leDeliveryFailedTitle":"Email delivery failed — but you can still review here","bloan.leDeliveryFailedBodyBefore":"Your loan officer was notified that the email copy of this Loan Estimate didn't reach your inbox","bloan.leDeliveryFailedBodyAfter":"They're checking your contact info and will resend. In the meantime, the document is available in full below.","bloan.leLatestLabel":"Latest Loan Estimate","bloan.lePdfNotAvailable":"PDF not yet available","bloan.leCdAvailable":"Closing Disclosure available","bloan.leCdEarliestClosing":"Earliest closing {date}","bloan.leActionNeeded":"Action needed","bloan.leCdBody":"Final terms and full cash-to-close worksheet. Federal law gives you 3 business days between receipt and signing — please review before closing.","bloan.leOpenCd":"Open Closing Disclosure","bloan.leAwaitingSignature":"Awaiting your signature","bloan.leEnvelopesSentOne":"{count} envelope sent for signing","bloan.leEnvelopesSentMany":"{count} envelopes sent for signing","bloan.leEnvelopesExplainer":"Each envelope was sent to your email. Open the email link from the signing provider to complete it — or use the direct signing link below if available.","bloan.leSentToday":"Sent today","bloan.leSentDaysAgoOne":"Sent {days} day ago","bloan.leSentDaysAgoMany":"Sent {days} days ago","bloan.leEsignRequest":"E-signature request \xb7 {provider}","bloan.leOpenSigningPage":"Open signing page","bloan.leCheckEmail":"Check your email","bloan.leDontSeeEmail":"Don't see the email? Check spam, or message your loan officer to resend it.","bloan.leEmptyTitle":"No Loan Estimates have been issued yet.","bloan.leEmptyBody":"Once your loan officer locks a rate or you submit your application, your first LE will appear here within 3 business days.","bloan.leQuestionsTitle":"Questions?","bloan.leQuestionsBody":"Reply to the email you received and your loan officer will get back to you.","bloan.leWorkingWith":"Working with: {broker}","bloan.leSecurePortalTitle":"Secure portal","bloan.leSecurePortalBody":"Your access is logged for compliance. Only you and authorized lender staff can see this page.","bloan.leWantToLearnMore":"Want to learn more?","bloan.leCfpbLink":"CFPB Loan Estimate explainer →","bloan.coSectionEyebrow":"Co-borrower section","bloan.coSectionTitle":"Fill in your part of the 1003","bloan.coSectionIntro":"The primary borrower already filled their section. Yours is shorter — name + ID, current address, employment, the same yes/no declarations every borrower answers. Save anytime; your broker will review the full file before lender submission.","bloan.coLastSaved":"Last saved {when}","bloan.coReturnToDashboard":"Return to dashboard","bloan.coNameRequired":"Please fill in your first and last name first.","bloan.coFailedToSave":"Failed to save","bloan.coCardAboutYou":"About you","bloan.coFieldFirstName":"First name *","bloan.coFieldMiddle":"Middle (optional)","bloan.coFieldLastName":"Last name *","bloan.coFieldDob":"Date of birth (YYYY-MM-DD)","bloan.coFieldSsn":"SSN (XXX-XX-XXXX)","bloan.coFieldPhone":"Phone","bloan.coFieldEmail":"Email (read-only)","bloan.coFieldCitizenship":"Citizenship","bloan.coFieldMaritalStatus":"Marital status","bloan.coSelectPlaceholder":"Select…","bloan.coCitizenUs":"U.S. Citizen","bloan.coCitizenPermanent":"Permanent Resident","bloan.coCitizenNonPermanent":"Non-Permanent Resident","bloan.coMaritalMarried":"Married","bloan.coMaritalUnmarried":"Unmarried","bloan.coMaritalSeparated":"Separated","bloan.coCardCurrentAddress":"Current address","bloan.coFieldStreet":"Street","bloan.coFieldUnit":"Unit (optional)","bloan.coFieldCity":"City","bloan.coFieldState":"State","bloan.coFieldZip":"ZIP","bloan.coFieldYearsAtAddress":"Years at address","bloan.coFieldRentOrOwn":"Rent or own","bloan.coRentOption":"Rent","bloan.coOwnOption":"Own","bloan.coOtherOption":"Other","bloan.coCardEmployment":"Employment + income","bloan.coFieldEmployer":"Employer","bloan.coFieldPosition":"Position / title","bloan.coFieldStartDate":"Start date (YYYY-MM-DD)","bloan.coFieldMonthlyIncome":"Monthly income (gross $)","bloan.coFieldSelfEmployed":"Self

1-employed","bloan.coSelfEmployedNo":"No (W-2 employee)","bloan.coSelfEmployedYes":"Yes (self-employed)","bloan.coFieldOtherIncome":"Other income / month (optional)","bloan.coFieldOtherIncomeSource":"Source of other income","bloan.coOtherIncomePlaceholder":"Rental, alimony, etc.","bloan.coCardAssets":"Assets","bloan.coCardLiabilities":"Liabilities","bloan.coCardRealEstate":"Real estate owned","bloan.coFieldLiquidTotal":"Liquid total ($) — checking + savings","bloan.coFieldRetirementTotal":"Retirement total ($) — 401k + IRA","bloan.coAssetsNote":"Approximate values are fine here. Your broker will verify exact balances against statements.","bloan.coCardDeclarations":"Yes / No declarations","bloan.coDeclJudgments":"Are there any outstanding judgments against you?","bloan.coDeclBankruptcy":"Have you declared bankruptcy in the past 7 years?","bloan.coDeclLawsuit":"Are you currently a party to a lawsuit?","bloan.coDeclFederalDebt":"Are you delinquent on any federal debt (taxes, student loans)?","bloan.coAutoSaveAddName":"Add your name to enable auto-save","bloan.coSaving":"Saving…","bloan.coSavedAt":"Saved {when}","bloan.coSaveFailedRetry":"Save failed — tap Save to retry","bloan.coAutoSaving":"Auto-saving…","bloan.coUpToDate":"Up to date","bloan.coUnsavedEditsSummary":"your unsaved edits to this section","bloan.coSaveNow":"Save now","bloan.coAskVeraLabel":"Ask Breeze about any of these fields","bloan.coYes":"Yes","bloan.coNo":"No","bloan.docsNeededTitle":"Documents you still need to provide","bloan.docsNeededIntro":"These are the documents your loan officer is waiting on. Upload them here or via the document center on your dashboard. The faster they're in, the faster your loan moves.","bloan.docsNeededAllCaughtUp":"You're all caught up","bloan.docsNeededAllCaughtUpBody":"Your loan officer doesn't need anything else from you right now. We'll let you know if that changes.","bloan.docsNeededCountOne":"{count} document requested","bloan.docsNeededCountMany":"{count} documents requested","bloan.docsNeededLetterNeeded":"Letter needed","bloan.docsNeededUnderReview":"Under review","bloan.docsNeededDaysWaiting":"{days} days waiting","bloan.docsNeededRequestedOn":"Requested {date}","bloan.docsNeededFromSource":"From {source}","bloan.docsNeededUploadTitle":"Need to upload?","bloan.docsNeededUploadBefore":"Use the","bloan.docsNeededDocumentCenter":"document center","bloan.docsNeededUploadAfter":"on your dashboard. We accept PDFs, photos, and most common formats. Files are encrypted at rest.","bloan.discrepancyDob":"Date of birth","bloan.discrepancyLastName":"Last name","bloan.discrepancyMonthlyIncome":"Monthly income","bloan.docAcceptedToast":"Document accepted.","bloan.docAcceptFailedToast":"Failed to accept.","bloan.docAcceptedRow":"{type} — accepted","bloan.docDiscrepancyBadge":"{count} discrepancy","bloan.docFlagged":"Flagged","bloan.docSays":"doc says","bloan.doc1003Says":"1003 says","bloan.docAccept":"Accept","bloan.docOverride":"Override","bloan.docMoreFields":"+{count} more","bloan.docBackToLoan":"Back to loan","bloan.docReviewEyebrow":"Document review","bloan.docBatchReconciliation":"Batch reconciliation","bloan.docAllGoodSubtitle":"All documents look good — no low-confidence or mismatched items.","bloan.docNeedReviewSubtitle":"{count} documents need review. Accept to confirm data, or override the detected category.","bloan.docStatNeedsReview":"Needs review","bloan.docStatDiscrepancies":"Discrepancies","bloan.docStatAccepted":"Accepted","bloan.docAllGoodTitle":"All documents look good","bloan.docAllGoodBody":"No low-confidence classifications or data discrepancies detected.","bloan.docBackToCenter":"Back to document center","bloan.duBackToLoan":"← Loan","bloan.duTitle":"Underwriting Decision","bloan.duSubtitle":"These items came from your loan's underwriter. Completing them moves your loan toward closing.","bloan.duNotReached":"Your loan hasn't reached underwriting yet. Once your lender's underwriter reviews your file, this page will show what they need from you.","bloan.duWhatThisMeans":"What this means for you","bloan.duWhatYouNeedToDo":"What you need to do","bloan.duN

1oActionItems":"No action items yet — your loan officer is reviewing the findings.","bloan.duDecisionInProgress":"Underwriting in progress","bloan.duDecisionApprovedBadge":"Approved","bloan.duDecisionApprovedHeadline":"Your loan is on track","bloan.duDecisionReferBadge":"Manual review","bloan.duDecisionReferHeadline":"Your loan is being reviewed manually","bloan.duDecisionNeedsActionBadge":"Needs action","bloan.duDecisionNeedsActionHeadline":"Your loan needs your attention","bloan.duWhyThisMatters":"Why this matters","bloan.duWhatToDo":"What to do","bloan.duDueBy":"Due by {date}","bloan.duOpenThisItem":"Open this item →","bloan.incomeMethodW2Salary":"Annual salary divided by 12. The simplest case — your full salary counts as monthly qualifying income.","bloan.incomeMethodW2Hourly":"Hourly rate \xd7 hours per week \xd7 weeks per year \xf7 12. Overtime, bonus, and commission have their own averaging rules and aren't included here.","bloan.incomeMethodSelfEmployed":"Net income from your last 2 tax returns averaged together (Fannie Mae 1084 method). YTD profit is a sanity check; it doesn't boost qualifying income above the 2-year average.","bloan.incomeMethodRental":"Gross rent \xd7 75% (the standard vacancy/maintenance haircut) \xd7 your ownership percent. Net rental income offsets the property's PITI; if PITI exceeds 75% of rent, the difference becomes a monthly liability.","bloan.incomeMethodRetirement":"Monthly distribution amount, but only if continuance is at least 36 months from the note date. Pension, IRA, and 401(k) draws all go through this rule (Fannie B3-3.1-09).","bloan.incomeMethodMilitary":"Base pay + BAH (Basic Allowance for Housing) + BAS (Basic Allowance for Subsistence) + other allowances. All are tax-free and gross-up eligible — talk to your loan officer about the 1.25\xd7 factor.","bloan.incomeMethodOther":"Custom income source. The qualifying amount depends on the frequency you provided and our standard normalization rules.","bloan.incomeTypeW2Salary":"W-2 Salary","bloan.incomeTypeW2Hourly":"W-2 Hourly","bloan.incomeTypeSelfEmployed":"Self-Employed","bloan.incomeTypeRental":"Rental Property","bloan.incomeTypeRetirement":"Retirement Distribution","bloan.incomeTypeMilitary":"Military","bloan.incomeTypeOther":"Other Income","bloan.incomeLoanNotFoundBody":"We couldn't find the loan you're looking for.","bloan.incomeTitle":"How your income is being counted","bloan.incomeIntro":"Mortgage qualifying income isn't always the same as your gross paycheck. Here's a line-by-line look at how each source is calculated for your loan.","bloan.incomeTotalQualifying":"Total qualifying monthly income","bloan.incomeAcrossSourcesOne":"Across {count} income source.","bloan.incomeAcrossSourcesMany":"Across {count} income sources.","bloan.incomeNoSourcesTitle":"No structured income sources yet","bloan.incomeNoSourcesBody":"Your loan officer hasn't added structured income sources to your file yet. They may be using your 1003 application's monthly-income totals directly. Once income sources are entered, this page will show the line-by-line breakdown.","bloan.incomePerMonth":"{amount}/mo","bloan.incomeCounted":"Counted","bloan.incomeIncomplete":"Incomplete","bloan.incomeCalculatorNote":"Calculator note:","bloan.incomeFooterQuestionTitle":"Have a question about a number?","bloan.incomeFooterQuestionBody":"The math here follows Fannie Mae and Freddie Mac underwriting guidelines. Your loan officer can walk you through any specific calculation in detail.","bloan.incomeFooterDtiBody":"These figures are used to compute your debt-to-income ratio (DTI) — the percent of your monthly income that goes to debt payments, including the new mortgage. Most loan programs cap DTI between 43% and 50%.","bloan.nocNotFoundTitle":"Not found","bloan.nocNotFoundBody":"This notice doesn't exist or you don't have access.","bloan.nocBackToCd":"Back to Closing Disclosure","bloan.nocTitle":"Notice of Right to Cancel","bloan.nocSubtitle":"Federal disclosure required by the Truth in Lending Act \xa71635.","bloan.nocNotIssued":"No Notice of Right to Cancel has been issued for this loan yet.","bloan.nocLatestVersion":"Latest version","bloan.nocVersion":"Version {version}","bloan.nocIssuedOn":"Issued {date}","bloan.nocTransactionDate":"Transaction date","bloan.nocCancelByMidnight":"Cancel by midnight","bloan.crPhaseSchedule":"Schedule","bloan.crPhaseReview":"Review","bloan.crPhaseSign":"Sign","bloan.crPhaseFund":"Fund","bloan.crPhaseClose":"Close","bloan.crFailedToLoad":"Failed to load","bloan.crLoading":"Loading your closing room…","bloan.crCouldNotLoad":"Could not load closing room","bloan.crVeraAriaLabel":"Closing day chat with Breeze","bloan.crAskVera":"Ask Breeze","bloan.crVeraSuggestPark":"Where should I park?","bloan.crVeraSuggestArrive":"What time should I arrive?","bloan.crVeraSuggestCashToClose":"What's my cash-to-close amount?","bloan.crVeraSuggestFundAfterSign":"When will my loan fund after I sign?","bloan.crVeraSuggestDelays":"What happens if something delays the closing?","bloan.crVeraSuggestWetDry":"What is a wet close vs dry close?","bloan.crVeraWelcome":"I'm Breeze. Ask me anything about your closing today.","bloan.crEyebrow":"Closing room","bloan.crWelcomeNewHome":"Welcome to your new home","bloan.crWelcomeName":"Welcome, {name}","bloan.crDateNotSet":"Date not yet set","bloan.crAskVeraAnchor":"Ask Breeze about your closing →","bloan.crBannerPendingLabel":"Awaiting closing date","bloan.crBannerPendingDetail":"Your closing date will appear here once you and your broker agree on it.","bloan.crBannerPastLabel":"Loan closed","bloan.crBannerPastDetail":"Your closing date has passed. Funding + recording details below.","bloan.crBannerTodayLabel":"Closing today","bloan.crBannerTodayDetail":"Today is the day. Final review + signing happens now.","bloan.crBannerSoonLabelO

1ne":"{days} day until closing","bloan.crBannerSoonLabelMany":"{days} days until closing","bloan.crBannerSoonDetail":"Last lap — review the closing package and get your funds ready.","bloan.crBannerNormalLabel":"{days} days until closing","bloan.crBannerNormalDetail":"You're in the closing window. Use this room as your single landing for everything closing-related.","bloan.crStepPickDate":"1. Pick your closing date","bloan.crStepReviewCd":"2. Review the closing disclosure","bloan.crOpenItemsOne":"{count} item still need attention","bloan.crOpenItemsMany":"{count} items still need attention","bloan.crOpenItemsBody":"Your underwriter has open requests. Knock these out before closing day so signing isn't delayed.","bloan.crViewOpenItems":"View open items","bloan.crStepSign":"3. Sign the closing package","bloan.crSignNotOpenTitle":"Signing not open yet","bloan.crSignNotOpenReady":"Your broker is preparing the closing package. We'll email + push-notify the moment it's ready to sign.","bloan.crSignNotOpenWaiting":"Your closing disclosure must be reviewed first. Once the 3-business-day waiting period has passed, signing opens.","bloan.crSignedTitle":"Signed — nice work!","bloan.crSignedBody":"Signed on {when}. Funding starts next.","bloan.crSignDeclinedTitle":"Signing was declined","bloan.crSignDeclinedBody":"Reach out to your broker — you can re-open the envelope after addressing concerns.","bloan.crReadyToSignTitle":"Ready to sign","bloan.crReadyToSignBody":"Set aside 15-30 minutes — the closing package is multiple documents (note, deed, disclosures).","bloan.crOpenSigningPortal":"Open signing portal","bloan.crStepNotary":"3a. Schedule your notary","bloan.crNeedHelp":"Need help?","bloan.crNeedHelpBody":"Closing days have moving parts — title, lender, notary, your funds. Reach out and we'll line everything up.","bloan.crContactBroker":"Contact your broker","bdocs.required":"Required","bdocs.pendingUpload":"Pending upload","bdocs.whatIsThis":"What is this?","bdocs.whatIsThisPrompt":"I need to upload \"{name}\" but I'm not sure exactly what it is or how to get one. Walk me through what this document is, why it's needed for my loan, and where I'd find or request it.","bdocs.upload":"Upload","bdocs.backToDashboard":"Back to dashboard","bdocs.documentCenter":"Document center","bdocs.headerTitle":"Your loan documents in one place","bdocs.headerSubtitle":"Upload paystubs, tax returns, bank statements, and ID. We OCR everything and route each file to the right slot — you don't have to label anything.","bdocs.offlineBanner":"You're offline. Showing your last saved document list — uploads are paused.","bdocs.cachedFrom":"Cached from {date}","bdocs.verified":"Verified","bdocs.uploaded":"Uploaded","bdocs.pending":"Pending","bdocs.fileCountOne":"{count} file","bdocs.fileCountMany":"{count} files","bdocs.totalDocs":"Total docs","bdocs.documentCollection":"Document collection","bdocs.collectedCount":"{collected} of {total} collected","bdocs.smartUpload":"Smart upload","bdocs.smartUploadSubtitle":"Drop any file — we figure out what it is and where it goes.","bdocs.stillNeeded":"Still needed ({count})","bdocs.uploadToClear":"Upload to clear each line.","bdocs.submitted":"Submitted ({count})","bdocs.reviewDiscrepancies":"Review discrepancies →","bdocs.emptyTitle":"No documents uploaded yet","bdocs.emptyDescription":"Drop a file in the smart upload zone above. We'll auto-classify it and route to the right slot.","bdocs.readyToSubmit":"Ready to submit","bdocs.requiredRemainingOne":"{count} required item remaining","bdocs.requiredRemainingMany":"{count} required items remaining","bdocs.submitHeadingReady":"Submit your file for review","bdocs.submitHeadingAlmost":"Almost there","bdocs.submitBodyReady":"Once you submit, your loan officer reviews your file and submits it to your lender.","bdocs.submitBodyAlmost":"Upload the remaining required items above. The button unlocks automatically when you're done.","bdocs.submitting":"Submitting…","bdocs.submitApplication":"Submit application","bdocs.askVeraLabel":"Ask Breeze which documents you still need","bdocs.askVeraPrompt":"Help me understand which documents I still need to upload and what each one is for.","bdocs.mismatchTitle":"Possible mismatch detected","bdocs.proceedAnyway":"Proceed anyway","bdocs.fieldFile":"File","bdocs.fieldTargeting":"Targeting","bdocs.fieldDetected":"Detected","bdocs.reviewing":"Reviewing","bdocs.noFilesUploaded":"No files uploaded","bdocs.toastScanning":"Scanning {count} documents...","bdocs.toastProcessedOne":"Successfully processed {count} document.","bdocs.toastProcessedMany":"Successfully processed {count} documents.","bdocs.toastUnidentified":"Could not identify uploaded files. Please upload manually to a specific category.","bdocs.toastAnalyzing":"Analyzing document...","bdocs.toastUploadSuccess":"Document uploaded successfully.","bdocs.toastUploadError":"Error processing document.","bdocs.toastUploadCancelled":"Upload cancelled","bdocs.toastSubmitFailed":"Failed to submit application. Please try again.","bdocs.documentFallback":"Document","bdocs.issueTypeMismatch":"This looks like a {detected} ({confidence}% confidence), but you are uploading it to {target}.","bdocs.issueLastNameMissing":'The borrower\'s last name "{lastName}" was not found in the document.',"bdocs.issueDobMismatch":"DOB Mismatch: Application says {appDob}, this ID says {idDob}.","bdocs.issueIncomeMismatch":"Income Mismatch: Paystub indicates ~${detected}/mo, but application says ${reported}/mo.","bdocs.esignStatusSent":"Sent — awaiting signature","bdocs.esignStatusViewed":"Viewed — awaiting signature","bdocs.esignStatusSigned":"Signed","bdocs.esignStatusDeclined":"Declined","bdocs.esignStatusExpired":"Expired","bdocs.esignStatusVoided":"Voided","bdocs.esignStatusFailed":"Failed","bdocs.esignFrameSubtitle":"eSign envelope","bdocs.esignMissingEnvelopeTitle":"Missing envelope id","bdocs.esignMissingEnvelopeBody":"No envelope id provided. This page is reached via the stub eSign URL — if you got here directly, that's the issue.","bdocs.esignSignInTitle":"Sign in to continue","bdocs.esignSignInBody":"You need to be signed in to view this 

1signing envelope.","bdocs.esignBorrowerSignIn":"Borrower sign in","bdocs.esignStaffSignIn":"Broker / LO / Admin sign in","bdocs.esignForbiddenTitle":"Forbidden","bdocs.esignForbiddenBody":"You don't have access to this signing envelope.","bdocs.esignStubTitle":"eSign stub envelope","bdocs.esignStubProviderHeading":"Stub provider — for development only","bdocs.esignStubProviderBody":'Production replaces this surface with Dropbox Sign / DocuSign / DocMagic eSign once a vendor is selected. Clicking "Sign" below fires an envelope.signed webhook event so the broker UI\'s pill flips to Signed — the same data path real adapters will use.',"bdocs.esignProvider":"Provider","bdocs.esignSigner":"Signer","bdocs.esignSent":"Sent","bdocs.esignStatus":"Status","bdocs.esignSignedAt":"Signed at","bdocs.esignBackDisclosures":"← Back to your disclosures","bdocs.esignBackBrokerLoan":"← Back to broker loan view","bdocs.recordingSignature":"Recording signature…","bdocs.signEnvelopeStub":"Sign envelope (stub)","bdocs.fillSubmitFailed":"Submit failed ({status})","bdocs.fillNetworkError":"Network error","bdocs.fillDoneTitle":"All set, {name}!","bdocs.fillDoneBody":"{brokerName} has been notified. They'll be in touch shortly.","bdocs.fillGreeting":"Hi {name} \uD83D\uDC4B","bdocs.fillIntro":"{brokerName} needs a few details to keep your loan moving:","bdocs.fillLoanAmount":"Loan amount","bdocs.fillLoanAmountHint":"How much you want to borrow.","bdocs.fillLoanAmountPlaceholder":"e.g. 450,000","bdocs.fillPropertyValue":"Property value","bdocs.fillPropertyValueHint":"Best estimate of what the home is worth.","bdocs.fillPropertyValuePlaceholder":"e.g. 600,000","bdocs.fillOccupancy":"How will you use this property?","bdocs.fillSelect":"Select…","bdocs.fillOccupancyPrimary":"Primary home (where I'll live)","bdocs.fillOccupancySecond":"Second home / vacation","bdocs.fillOccupancyInvestment":"Investment / rental","bdocs.fillLoanPurpose":"Loan purpose","bdocs.fillPurposePurchase":"Purchase a new home","bdocs.fillPurposeRefinance":"Refinance my current loan","bdocs.fillPropertyType":"Property type","bdocs.fillTypeSingleFamily":"Single-family house","bdocs.fillTypeCondo":"Condo","bdocs.fillTypeTownhouse":"Townhouse","bdocs.fillTypeMultiFamily":"2-4 unit (multi-family)","bdocs.fillTypeManufactured":"Manufactured home","bdocs.fillEmail":"Email address","bdocs.fillEmailHint":"So your loan officer can reach you.","bdocs.fillEmailPlaceholder":"[email protected]","bdocs.fillSending":"Sending…","bdocs.fillSendToLO":"Send to my loan officer","bdocs.fillPrivacyNote":"We'll only share these details with your loan officer.","bdocs.fillLinkNotFoundTitle":"Link not found","bdocs.fillLinkNotFoundBody":"This link is invalid or has been removed. If you think this is a mistake, contact your loan officer.","bdocs.fillLinkExpiredTitle":"Link expired","bdocs.fillLinkExpiredBody":"This link has expired. Reach out to your loan officer for a new one.","bdocs.fillAlreadySubmittedTitle":"Already submitted","bdocs.fillAlreadySubmittedBody":"Thanks — we already received your info. Your loan officer has been notified.","bdocs.fillBrokerFallback":"Your loan officer","bdocs.fillBorrowerFallback":"there","bdocs.preApprovalEyebrow":"Pre-approval","bdocs.preApprovalHonestTitle":"Your pre-approval","bdocs.preApprovalHonestSubtitle":"Your official pre-approval letter comes from the lender — not an automated estimate. Your loan officer prepares it and shares it with you once your file is ready.","bdocs.preApprovalHowItWorks":"How it works","bdocs.preApprovalLenderIssues":"The lender issues your pre-approval","bdocs.preApprovalHonestPara1":"A real pre-approval reflects pricing you can actually act on. Those numbers — your rate, payment, and loan amount — are set by the lender after your application is reviewed, not by an estimate on this screen.","bdocs.preApprovalHonestPara2":"Your loan officer pulls together your file, gets you priced against your real scenario, and shares the official pre-approval letter you can hand to sellers and agents. Reach out and they'll get it moving.","bdocs.preApprovalWhatYouGet":"What you'll get","bdocs.preApprovalGetItem1":"A lender-issued letter you can share when making offers.","bdocs.preApprovalGetItem2":"Pricing reviewed against your actual credit, income, and assets.","bdocs.preApprovalGetItem3":"A loan officer who walks you through the numbers.","bdocs.preApprovalTalkToLO":"Talk to your loan officer","bdocs.preApprovalTalkToLOBody":"Your loan officer will prepare your official pre-approval and share it with you.","bdocs.preApprovalMessageLO":"Message your loan officer","bdocs.preApprovalReadyEyebrow":"Your pre-approval is ready","bdocs.preApprovalLetterTitle":"Your pre-approval letter","bdocs.preApprovalLetterSubtitle":"Your loan officer shared the official pre-approval from your lender. Open it below, then hand it to sellers and agents when you make an offer.","bdocs.preApprovalLenderIssuedLabel":"Lender-issued","bdocs.preApprovalLetterFallback":"Pre-approval letter","bdocs.preApprovalLetterBody":"This is your real, lender-issued pre-approval — prepared and shared by your loan officer. Every number on it reflects pricing you can actually act on.","bdocs.preApprovalFileFallback":"Pre-approval.pdf","bdocs.preApprovalShared":"Shared {date}","bdocs.preApprovalOpenError":"We couldn't open the file ({error}). Try again in a moment or message your loan officer.","bdocs.preApprovalLoading":"Loading…","bdocs.preApprovalView":"View pre-approval","bdocs.download":"Download","bdocs.preApprovalQuestions":"Questions about your pre-approval?","bdocs.preApprovalQuestionsBody":"Your loan officer can walk you through the numbers and next steps.","bdocs.preApprovalRealThing":"The real thing","bdocs.preApprovalRealThingBody":"This letter comes straight from your lender. Sellers and listing agents recognize it as proof you can close.","bset.allSettings":"All settings","bset.hubTitle":"Settings","bset.hubSubtitle":"Manage your account and preferences.","bset.sectionProfileTitle":"Profile","bset.sectionProfileDesc":"Name, email, and ph

1one number","bset.sectionSecurityTitle":"Security","bset.sectionSecurityDesc":"Password, 2FA, passkeys, and security questions","bset.sectionNotificationsTitle":"Notifications","bset.sectionNotificationsDesc":"How and when we update you about your loan","bset.sectionAppearanceTitle":"Appearance","bset.sectionAppearanceDesc":"Theme and color","bset.sectionConnectionsTitle":"Connections","bset.sectionConnectionsDesc":"Bank accounts and linked services","bset.sectionPrivacyTitle":"Privacy & data","bset.sectionPrivacyDesc":"Download or delete your data (CCPA / GDPR)","bset.privacyTitle":"Privacy & data","bset.privacyDescription":"Under California's CCPA and GDPR you have the right to see, export, or delete your data. Use the controls below.","bset.privacyRetentionNote":"We'll respond within 45 days. Some data is required for federal recordkeeping (HMDA, BSA / OFAC, Reg B / ECOA, FCRA) and must be retained even after deletion of personal preferences. We'll let you know which fields are subject to that retention when we process your request.","bset.appearanceTitle":"Appearance","bset.appearanceDescription":"Tweak how the portal looks.","bset.themeTitle":"Theme","bset.themeDescription":"Pick light, midnight, or true black.","bset.themeLight":"Light","bset.themeMidnight":"Midnight","bset.themeTrueBlack":"True black","bset.accentColorTitle":"Accent color","bset.accentColorDescription":"Used on buttons, links, and highlights.","bset.accentColorAria":"{name} accent color","bset.colorIndigo":"Indigo","bset.colorOcean":"Ocean","bset.colorForest":"Forest","bset.colorSunset":"Sunset","bset.colorLavender":"Lavender","bset.connectionsTitle":"Connections","bset.connectionsDescription":"Bank accounts and other services connected to your loan.","bset.bankAccountPlaid":"Bank account (Plaid)","bset.bankAccountDescription":"Auto-fills your bank balances and statements onto your 1003. You can disconnect anytime; disconnecting also deletes the data we cached from Plaid.","bset.loading":"Loading…","bset.startApplicationToConnect":"Start an application to connect a bank.","bset.bankConnected":"Bank connected","bset.bankConnectedNamed":"Bank connected — {name}","bset.noBankConnected":"No bank connected. You can link one from the Assets section of your application.","bset.productAssetReport":"Asset report","bset.productAssetReportPending":"Pulling 2 years of balances…","bset.productIncomeVerification":"Income verification","bset.productIncomePending":"Analyzing direct deposits…","bset.productConsumerReport":"Consumer report","bset.productConsumerPending":"Building cashflow signals…","bset.productReady":"Ready","bset.productFailed":"Failed — contact your loan officer","bset.profileTitle":"Profile","bset.profileDescription":"Your name and contact details on the loan.","bset.profileLoadError":"Could not load your profile.","bset.personalInformation":"Personal information","bset.personalInformationDesc":"Saves automatically as you type. Used on your 1003 application and disclosures.","bset.fieldFirstName":"First name","bset.fieldMiddleName":"Middle name","bset.fieldLastName":"Last name","bset.fieldEmail":"Email","bset.fieldEmailHelp":"Email changes require verification — contact support.","bset.fieldPhone":"Phone","bset.unsavedProfileEdits":"your unsaved profile edits","bset.saveFailed":"Save failed.","bset.saving":"Saving…","bset.saveNow":"Save now","bset.savedAt":"Saved {time}","bset.saveFailedRetry":"Save failed — tap Save to retry","bset.autoSaving":"Auto-saving…","bset.upToDate":"Up to date","bset.securityTitle":"Security","bset.securityDescription":"Lock down your account.","bset.twoFactorTitle":"Two-factor authentication","bset.twoFactorDescription":"Adds an authenticator-app code on top of your password.","bset.passkeysTitle":"Passkeys","bset.passkeysDescription":"Sign in with your fingerprint, face, or device PIN — phishing-resistant and recommended.","bset.securityQuestionsTitle":"Security questions","bset.securityQuestionsDescription":"Used as a fallback when you sign in from a new device.","bset.recentSignInsTitle":"Recent sign-ins","bset.recentSignInsDescription":"Devices that have signed in to your account. If you don't recognize one, change your password.","bset.passwordTitle":"Password","bset.passwordDescription":"Changing your password signs out other devices.","bset.passwordTooShort":"New password must be at least 8 characters.","bset.passwordsDoNotMatch":"New passwords do not match.","bset.passwordChangeError":"Could not change password.","bset.currentPassword":"Current password","bset.newPassword":"New password","bset.confirmNewPassword":"Confirm new password","bset.passwordUpdated":"Password updated.","bset.changePassword":"Change password","bset.cancel":"Cancel","bset.twoFactorEnabled":"2FA is enabled.","bset.disableTwoFactor":"Disable 2FA","bset.disableTwoFactorWarning":"Disabling 2FA means your account will rely only on your password and email codes. Are you sure?","bset.disabling":"Disabling…","bset.confirmDisableTwoFactor":"Yes, disable 2FA","bset.loadingShort":"Loading…","bset.setUpTwoFactor":"Set up 2FA","bset.scanWithAuthenticator":"Scan 

1with Google Authenticator, Authy, or 1Password.","bset.twoFactorQrAlt":"2FA QR","bset.manualKeyLabel":"Manual key:","bset.sixDigitCode":"6-digit code","bset.authenticatorCodeAria":"Authenticator 6-digit code","bset.verifyAndEnable":"Verify & enable","bset.notificationsTitle":"Notifications","bset.notificationsDescription":"Pick how we update you about your loan.","bset.channelsTitle":"Channels","bset.savesAutomatically":"Saves automatically.","bset.emailLabel":"Email","bset.emailDescription":"Status updates, document requests, and milestones.","bset.smsLabel":"SMS","bset.smsDescription":"Time-sensitive alerts only — rate-lock confirmations and signature requests.","bset.prefsLoadError":"Could not load preferences.","bset.condPrefsLoadError":"Could not load condition preferences.","bset.saveFailedToggleReverted":"Save failed — toggle reverted.","bset.saveFailedTryAgain":"Save failed — please try again.","bset.saveFailedShort":"Save failed","bset.conditionNotificationsTitle":"Condition Notifications","bset.conditionNotificationsDescription":"Choose which alerts fire when your loan officer adds or updates conditions. Channels your loan officer has not enabled are shown greyed out.","bset.condNewEmailLabel":"New-condition email","bset.condNewEmailDesc":"When new conditions are added to your loan","bset.condWeeklyDigestLabel":"Weekly digest","bset.condWeeklyDigestDesc":"Sunday summary of open items","bset.condStaleReminderLabel":"Stale-condition reminder","bset.condStaleReminderDesc":"One ping at 7 days when a condition has had no activity","bset.condInAppToastLabel":"In-app toast on next visit","bset.condInAppToastDesc":"Count of new items shown when you open the portal","bset.condPushLabel":"Push notification","bset.condPushDesc":"PWA push (app must be installed)","bset.noLoanAssigned":"No loan has been assigned yet — your preferences are saved and will take effect once your loan officer is connected.","bset.voiceAccessibilityTitle":"Voice & accessibility","bset.voiceAccessibilityDescription":"Control how Breeze interacts with you using your voice.","bset.voiceInputLabel":"Voice input — let me dictate questions to Breeze","bset.voiceInputDescription":"Uses your browser's microphone. Browser support required.","bset.voiceOutputLabel":"Voice output — read Breeze's answers aloud","bset.voiceOutputDescription":"A play button appears next to each of Breeze's messages.","bset.channelNotEnabledTooltip":"Your loan officer hasn't enabled this channel","bset.notEnabledByLoanOfficer":"Not enabled by your loan officer","binfo.resGuidesTitle":"Actionable Guides","binfo.resGuidesDesc":"Step-by-step intelligence on buying a home, securing prime rates, and rapidly improving credit.","binfo.resChecklistTitle":"Document Checklist","binfo.resChecklistDesc":"Never get caught scrambling. Exactly what precise financial records you need for instant approval.","binfo.resGlossaryTitle":"Mortgage Glossary","binfo.resGlossaryDesc":"Decoding complex industry jargon. Crystal-clear definitions for terms like Amortization and Escrow.","binfo.faqDownPaymentQ":"How much do I need for a down payment?","binfo.faqDownPaymentA":"It depends on the loan type. FHA loans require as little as 3.5%, conventional loans typically 3–5%, and VA / USDA loans can be 0% down for eligible borrowers. Your broker will walk you through the tradeoffs for your situation.","binfo.faqCreditScoreQ":"What credit score do I need to get approved?","binfo.faqCreditScoreA":"Most conventional lenders want a 620+ score. FHA loans accept scores down to 580 (or lower with a larger down payment and compensating factors). Higher scores unlock better rates — aim for 740+ to hit the top pricing tier.","binfo.faqProcessTimeQ":"How long does the whole process take?","binfo.faqProcessTimeA":"From application to funded, most purchases close in 30–45 days. The biggest variable is how quickly documents arrive — having everything ready on day one can shave a week or more off the timeline.","binfo.faqRateLockQ":"When should I lock my interest rate?","binfo.faqRateLockA":"Rates move daily. Once you have an accepted offer and a payment you can live with, locking is usually the right call — it removes the risk that rates move against you while your file is in underwriting. Your broker will advise on timing.","binfo.learningCenter"

1:"Learning Center","binfo.heroTitlePrefix":"Knowledge is","binfo.heroTitleHighlight":"Power","binfo.heroSubtitle":"Guides, definitions, and checklists to help you understand your loan from start to close.","binfo.open":"Open","binfo.commonQuestions":"Common questions","binfo.checklistTitle":"Document Checklist","binfo.checklistSubtitle":"Gathering the right documents upfront can speed up your loan process by weeks. Here is what you will typically need.","binfo.proTip":"Pro tip","binfo.proTipBody":"You can upload these documents directly in your dashboard once you start your application. Our secure portal makes it easy to submit everything from your phone or computer.","binfo.glossarySubtitle":"Deciphering the language of lending.","binfo.glossarySearchPlaceholder":"Search terms...","binfo.glossarySearchAria":"Search mortgage terms","binfo.glossaryRegionAria":"Glossary terms","binfo.glossaryNoResults":"No terms found matching “{search}”","binfo.glossaryTermsStartingWith":"Terms starting with {letter}","binfo.backToResources":"Back to Resources","binfo.readyNextStep":"Ready to take the next step?","binfo.glossaryEyebrow":"Glossary","binfo.glossaryPlainTitle":"Mortgage terms in plain English","binfo.glossaryPlainSubtitle":"{count} terms you'll see in your loan paperwork. Search to find a specific one, or scroll the full list.","binfo.backToDashboard":"Back to dashboard","binfo.helpEyebrow":"Help & walkthrough","binfo.helpTitle":"Everything you need to know","binfo.helpSubtitle":"A plain-language guide to every page in your borrower portal. Use the table of contents below to jump around, or scroll for the full walkthrough.","binfo.watchTheTour":"Watch the tour","binfo.tableOfContents":"Table of contents","binfo.tocDashboard":"Dashboard","binfo.tocLoanStatusPanel":"Loan status panel","binfo.tocUploadingDocuments":"Uploading documents","binfo.toc1003Application":"The 1003 application","binfo.tocPricingRateLocks":"Pricing & rate locks","binfo.tocAccountSecurity":"Account security","binfo.tocNotificationsPreferences":"Notifications & preferences","binfo.tocContactingBroker":"Contacting your broker","binfo.tocTroubleshooting":"Troubleshooting","binfo.secDashboardTitle":"Your dashboard","binfo.secStatusTitle":"Loan status panel","binfo.secDocumentsTitle":"Uploading documents","binfo.sec1003Title":"The 1003 application","binfo.secPricingTitle":"Pricing & rate locks","binfo.secSecurityTitle":"Account security","binfo.secSettingsTitle":"Notifications & preferences","binfo.secContactTitle":"Contacting your broker","binfo.secTroubleshootTitle":"Troubleshooting","binfo.stillStuck":"Still stuck?","binfo.startSpotlightTour":"Start spotlight tour","binfo.welcome":"Welcome","binfo.welcomeName":"Welcome, {name}","binfo.getStartedSubtitle":"Ready to start your loan application? You can begin now or come back to it whenever you're ready.","binfo.recommended":"Recommended","binfo.begin1003":"Begin 1003 application","binfo.begin1003Desc":"Walk through your loan application step-by-step. Save and resume anytime.","binfo.startApplication":"Start application","binfo.skipForNow":"Skip for now","binfo.skipForNowDesc":"Take me to my dashboard. I'll come back to the application later.","binfo.skipToDashboard":"Skip to dashboard","binfo.securePrivate":"Secure & Private","binfo.securePrivateDesc":"Bank-level encryption keeps your personal data safe.","binfo.saveProgress":"Save Your Progress","binfo.saveProgressDesc":"Start now and finish later. We save your work automatically.","binfo.fastPreApproval":"Fast Pre-Approval","binfo.fastPreApprovalDesc":"Get a decision in minutes, not days.","binfo.invalidInviteTitle":"Invalid invitation link","binfo.invalidInviteBody":"The referral link you followed is invalid or has expired. You can still create an account or sign in below.","binfo.createAccount":"Create an account","binfo.heroLine1":"Your mortgage, explained.","binfo.heroLine2":"Your file, locked.","binfo.startHeroSubtitle":"Two minutes to begin. No account up front, no credit pull, and no SSN or income documents until you choose to save.","binfo.startMyApplication":"Start my application","binfo.noCreditPull":"No credit pull \xb7 No commitment \xb7 ~2 min","binfo.inviteBadge":"{name} \xb7 {brokerage} invited you","binfo.phishingLine":"This page was made for you by {firstName}. If you weren't expecting it, don't continue.","binfo.threeWaysToBegin":"Three ways to begin","binfo.pickThePath":"Pick the path that fits.","binfo.pathStartTitle":"Start application","binfo.pathStartBody":"Jump in. Property + contact info first, then walk through the rest after sign-up.","binfo.startNow":"Start now","binfo.pathSetupEyebrow":"Set up first","binfo.pathSetupTitle":"Create account first","binfo.pathSetupBody":"Set up your account, take the tour, then start from your dashboard.","binfo.pathReturningEyebrow":"Returning","binfo.pathReturningBody":"Already have an account? Pick up right where you left off.","binfo.howItWorks":"How 

1it works","binfo.hereToKeys":"Here to keys, in 3 steps.","binfo.step1Title":"Tell us about the property","binfo.step1Body":"Name, contact, what you're financing. ~2 min.","binfo.step2Title":"Create your account","binfo.step2Body":"Save progress. Then paystubs, tax returns, bank statements.","binfo.step3Title":"Watch your loan move","binfo.step3Body":"Real-time appraisal, title, lender status with ETAs.","binfo.builtOnInfrastructure":"Built on serious infrastructure","binfo.footerLegal":"{company} is a service of California Mortgage Solutions, Inc. NMLS-licensed in CA. Equal Housing Opportunity.","binfo.footerPrivacy":"Privacy","binfo.footerTerms":"Terms","binfo.previewLoanStatus":"Loan status","binfo.previewOnTrack":"On track","binfo.previewUnderwriting":"Underwriting","binfo.previewEtaFriday":"60% — ETA Friday","binfo.previewChecklistBank":"2 months bank statements","binfo.previewChecklistW2":"Most recent W-2","binfo.previewChecklistPaystub":"Last paystub","binfo.stepN":"Step {n}","binfo.vaultHeadline":"Built like a vault. Opened only by people licensed to.","binfo.trustGroupIdentity":"Identity","binfo.trustGroupEncryption":"Encryption and isolation","binfo.trustGroupDocuments":"Documents","binfo.trustGroupCompliance":"Compliance built in","binfo.trustGroupReliability":"Reliability","binfo.trustGroupAi":"AI with people in charge","binfo.trustItemTwoStep":"Two-step sign-in on every account, always on.","binfo.trustItemPasskeys":"Passkey and authenticator-app sign-in.","binfo.trustItemNewDevice":"New-device detection with instant alerts.","binfo.trustItemTls":"TLS 1.3 across the platform, with strict transport security preloaded in browsers.","binfo.trustItemAes":"AES-256-GCM encryption for stored credentials.","binfo.trustItemIsolation":"Hard isolation between brokerages. One firm's data is never queryable by another.","binfo.trustItemAuditTrail":"A complete audit trail: every view, download, and signature time-stamped and attributed.","binfo.trustItemSignatures":"Signatures recorded with device and address evidence.","binfo.trustItemCreditMemory":"Credit data handled in memory only, never written to storage.","binfo.trustItemFingerprint":"Content-fingerprinted storage, so a file exists once and cannot be silently swapped.","binfo.trustItemDisclosureTiming":"Disclosure timing enforced automatically, with receipt dates tracked.","binfo.trustItemMismo":"Industry-standard loan data, validated against the official schema before it leaves.","binfo.trustItemSanctions":"Sanctions screening before any submission or export.","binfo.trustItemSafeguards":"A written federal safeguards program and a licensed broker on every loan.","binfo.trustItemOffline":"Works offline. The application saves on your device and syncs when you're back.","binfo.trustItemLanguages":"Six languages.","binfo.trustItemLiveStatus":"Live status from appraisal, title, and lender partners.","binfo.trustItemPiiRedacted":"Personal identifiers are redacted before any document reaches an AI model.","binfo.trustItemPeopleDecide":"AI reads and sorts; licensed people make every decision.","binfo.trustItemKillSwitch":"A single switch disables cloud AI platform-wide.","binfo.trustReadMore":"Read the full security detail.","binfo.whoHeading":"Who you're working with","binfo.whoPersonEyebrow":"Your contact","binfo.whoBrokerageEyebrow":"Your brokerage","binfo.whoLicensedIn":"Licensed in {states}","binfo.licenseNmls":"NMLS #{id}","binfo.licenseDre":"{state} DRE #{id}","binfo.returningEmailPlaceholder":"Email address","binfo.continue":"Continue","binfo.miniStreet":"Street address","binfo.miniUploadHint":"Drop files here or tap to upload","security.eyebrow":"Security","security.intro":"How Unified Loan System protects a borrower's file, in plain terms and in full. Everything here is checked against the running platform before it is written down; anything that cannot be checked is left out rather than softened.","security.diagramTitle":"Where your information goes","security.diagramBorrower":"You","security.diagramTransit":"Encrypted in transit","security.diagramFile":"Your brokerage's isolated file","security.diagramLogged":"Every access logged","security.specTitle":"The full specification","security.vendorSentence":"Our hosting and data partners hold SOC 2 Type II reports. Unified Loan System itself has not completed a SOC 2 audit.","security.omittedNote":"Anything we cannot verify is left off this page, never reworded to keep it.","binfo.uwSubmittedEyebrow":"Submitted","binfo.uwSubmittedTitle":"Your file is submitted","binfo.uwSubmittedBody":"Your loan officer is reviewing your file and will submit it to your lender. We'll let you know as soon as there's an update.","binfo.uwReviewEyebrow":"In review","binfo.uwReviewTitle":"Your file is being reviewed","binfo.uwReviewBody":"Your loan officer is preparing your file for your lender. We'll notify you as soon as there's an update.","binfo.uwSeniorEyebrow":"Senior underwriter","binfo.uwUnderwriterEyebrow":"Underwriter review","binfo.uwSeniorTitle":"Senior underwriter review","binfo.uwUnderwriterTitle":"Application under review","binfo.uwSeniorBody":"Final review of your cleared conditions. We ping you the moment they sign off — usually within 1–2 business days.","binfo.uwUnderwriterBody":"A real human underwriter is reviewing your file. We notify you the second new conditions arrive or the file clears.","binfo.uwClearEyebrow":"Clear to close","binfo.uwClearTitle":"You're cleared to close!","binfo.uwClearBody":"Congratulations — every condition has been signed off. Your loan officer will reach out with closing logistics within 24 hours.","binfo.actionRequired":"Action required","binfo.conditionToClearOne":"{count} condition to clear","binfo.conditionsToClear":"{count} conditions to clear","binfo.uwConditionsBody":"The underwriter found a few items that need backup. Upload each requested document below — your loan keeps moving the moment everything clears.","binfo.fromUnderwriter":"From the underwriter","binfo.newRequirements":"New requirements","binfo.initialAusFindings":"Initial AUS findings","binfo.fromAutomatedUnderwriter":"From the automated underwriter","binfo.readyToResubmit":"Ready to resubmit","binfo.almostThere":"Almost there","binfo.allConditionsSatisfied":"All conditions satisfied","binfo.conditionRemainingOne":"{count} condition remaining","binfo.conditionsRemaining":"{count} conditions remaining","binfo.resubmitReadyBody":"Send the file back to the underwriter for final sign-off. They typically clear within 1–2 business days.","binfo.resubmitPendingBody":"Upload the remaining items above. The button unlocks automatically when everything is satisfied.","binfo.submitUpdatesForReview":"Submit updates for review","binfo.onFile":"On file","binfo.documentSubmittedOne":"{count} document already submitted","binfo.documentsSubmitted":"{count} documents already submitted","binfo.fileCountOne":"{count} file","binfo.fileCount":"{count} files","binfo.verified":"Verified","binfo.underReview":"Under review","binfo.satisfied":"Satisfied","binfo.typeOrDictate":"Type or dictate your explanation below","binfo.explanationSubmitted":"Explanation submitted","binfo.explainPlaceholder":"Explain the situation to your loan officer…","binfo.listening":"Listening…","binfo.submitExplanation":"Submit explanation","binfo.uploadToSatisfy":"Upload to satisfy this condition","binfo.analyzingApplication":"Analyzing your application…","binfo.aiUnderwriterReviewing":"Our AI underwriter is reviewing your documents.","binfo.underwriting

1Cleared":"Underwriting cleared","binfo.approvedLoanOptions":"Your loan options","binfo.loanOptionsSubtitle":"Based on your income, debts, and credit, here are every program you qualify for. Adjust the down payment slider below — every tile re-prices live.","binfo.metricMonthlyIncome":"Monthly income","binfo.metricMonthlyDebts":"Monthly debts","binfo.metricDtiRatio":"DTI ratio","binfo.metricAboveConvCap":"Above conventional cap","binfo.metricWithinConvLimits":"Within conventional limits","binfo.metricLtvRatio":"LTV ratio","binfo.metricPmiApplies":"PMI usually applies","binfo.metricBelowPmiThreshold":"Below PMI threshold","binfo.downPayment":"Down payment","binfo.adjustLiveRepricing":"Adjust to see live re-pricing","binfo.sliderMinFha":"3% (min FHA)","binfo.sliderNoPmi":"20% (no PMI)","binfo.eligiblePrograms":"{count} eligible programs","binfo.bestMatch":"Best match","binfo.programLabel":"Program","binfo.rateLabel":"Rate","binfo.thirtyYrFixed":"30-yr fixed","binfo.programTerm":"Term","binfo.thirtyYears":"30 years","binfo.estMonthlyPi":"Est. monthly P&I","binfo.providedAtLock":"Provided at lock","binfo.selectThisLoan":"Select this loan","binfo.lowestPayment":"Lowest payment for your scenario","binfo.wantSecondOpinion":"Want a second opinion?","binfo.notSureWhichToPick":"Not sure which one to pick?","binfo.loTradeoffsBody":"Your loan officer can walk you through the trade-offs in 5 minutes — payment vs. cash to close, fixed vs. ARM, when paying points actually pencils.","brate.noApplicationTitle":"No application yet","brate.noApplicationBody":"Start your application from the dashboard. Once it's underway, your loan officer can walk you through your rate and options.","brate.rateSheetTitle":"Live wholesale rates","brate.rateSheetSubtitle":"Best available pricing across our lender network. Your personalized rate depends on credit, LTV, occupancy, and program — start an application for a real quote.","brate.rateSheetTableTag":"Best rate per program","brate.asOfUpdated":"Updated","brate.marketAverageTitle":"National average mortgage rates","brate.marketAverageSubtitle":"Freddie Mac's weekly Primary Mortgage Market Survey — the national average a typical borrower sees, not a personalized quote. We price your actual scenario the moment you apply.","brate.marketAverageTableTag":"National average \xb7 Freddie Mac PMMS","brate.asOfWeekOf":"Week of","brate.defaultTitle":"Today's mortgage rates","brate.defaultSubtitle":"Live pricing publishes here as our lender network updates. In the meantime, get a personalized quote in minutes — no credit pull to start.","brate.eyebrowMortgageRates":"Mortgage rates","brate.personalizedHeading":"Your rate is personalized","brate.personalizedBody":"There's no single “today's rate.” Your rate depends on your credit, loan amount, down payment, property, and program. Start an application and a loan officer prices your actual scenario — no credit pull to start.","brate.ctaPersonalizedQuote":"Get your personalized quote","brate.ctaTalkToLoanOfficer":"Talk to a loan officer","brate.rateActionsLabel":"Rate actions","brate.alertsEyebrow":"Watch the market","brate.alertsTitle":"Rate alerts","brate.alertsBodyOff":"Tell us your target and we'll email you when it's worth a conversation. No noise — only useful pings.","brate.alertsBodyOn":"Tell us your target rate and we'll email the moment any program drops below it. No noise — only useful pings.","brate.alertsCta":"Set up an alert","brate.lockEyebrowOff":"Protect your rate","brate.lockEyebrowOn":"Protect today's rate","brate.lockTitle":"Lock it in","brate.lockBodyOff":"Once you're priced, your loan officer can lock your rate while your file finishes.","brate.lockBodyOn":"Like what you see? Your loan officer can lock the rate for up to 60 days while your file finishes.","brate.lockCta":"Request a rate lock","brate.adviceEyebrow":"Talk to a human","brate.adviceTitle":"Expert advice","brate.adviceBody":"Not sure which program fits — VA, FHA, conventional, ARM? Message your loan officer and get a real answer.","brate.adviceCta":"Message your loan officer","brate.whyNoSingleRateTitle":"Why we don't post a single rate","brate.whyNoSingleRateBody":"A rate you can't actually act on isn't useful. Your real rate moves with credit, LTV, occupancy, property type, escrow choices, and the program's underlying secondary-market trade. Once you start an application we price your actual scenario and your loan officer handles the rate with you.","brate.close"

1:"Close","brate.finishApplicationTitle":"Finish your application first","brate.finishApplicationBodyOff":"To price your personalized rate, we need a few details from your loan application (the 1003). It only takes a few minutes — you can save and resume anytime.","brate.finishApplicationBodyOn":"To show your personalized rate, we need a few details from your loan application (the 1003). It only takes a few minutes — you can save and resume anytime.","brate.startApplication":"Start application","brate.eyebrowTodaysRates":"Today's rates","brate.fetchingPricing":"Fetching the latest pricing…","brate.livePricing":"Live pricing","brate.ctaCustomRate":"Get your custom rate","brate.loadingRates":"Loading rates…","brate.todaysRateSheet":"Today's rate sheet","brate.ratesHeading":"Rates","brate.asOf":"As of {date}","brate.tableCaption":"Live mortgage rate sheet","brate.colLoanProgram":"Loan program","brate.colRate":"Rate","brate.colPoints":"Points","brate.colEstPayment":"Est. payment*","brate.colActions":"Actions","brate.mobileListLabel":"Mortgage rate programs","brate.statPmtPerMo":"Pmt/mo","brate.apply":"Apply","brate.estPaymentFootnote":"* Estimated monthly principal & interest on a {amount} loan at the displayed rate. Excludes taxes, insurance, and PMI. Your actual rate depends on credit, LTV, occupancy, and program eligibility.","brate.whyDiffersTitle":"Why your rate may differ from the table","brate.whyDiffersBody":"The numbers above are a market reference, not a personalized quote. Your rate moves with credit, LTV, occupancy, property type, escrow choices, and the program's underlying secondary-market trade. Once you start an application we re-price against your actual scenario.","brate.loadingTodaysRates":"Loading today's rates…","brate.emptyTitle":"Live pricing is on the way","brate.emptyBody":"Today's rates publish here as our lender network updates. In the meantime, get a rate tailored to your scenario — it only takes a few minutes and there's no credit pull to start.","brate.emptyCta":"Get a personalized quote","bchat.suggestBorrowerAfterSubmit":"What happens after I submit my application?","bchat.suggestBorrowerUnderwritingTime":"How long does underwriting usually take?","bchat.suggestBorrowerClosingDocs":"What documents will I need at closing?","bchat.suggestBorrowerRateDetermined":"How is my interest rate determined?","bchat.suggestBrokerLoansAtRisk":"Which loans are at risk?","bchat.suggestBrokerNotContacted":"Who hasn't been contacted in a week?","bchat.suggestBrokerStatusUpdate":"Draft a status update for my oldest file","bchat.suggestBrokerPipelineSummary":"Summarize my pipeline by stage","bchat.welcomeBroker":"Ask me about your pipeline.","bchat.heroTitleBroker":"Hi, I'm Breeze. How can I help with your pipeline?","bchat.welcomeBorrower":"Ask me about your application.","bchat.heroTitleBorrower":"Hi, I'm Breeze. How can I help with your application?","bchat.prettyApplication":"your application","bchat.prettyLoans":"your loans","bchat.prettyDocuments":"your documents","bchat.prettyDashboard":"your dashboard","bchat.prettyHelpPage":"the help page","bchat.prettyAccount":"your account","bchat.prettyPipeline":"your pipeline","bchat.prettyPeopleList":"your people list","bchat.prettyOutreach":"outreach","bchat.prettyAnalytics":"analytics","bchat.prettySettings":"settings","bchat.prettyAdmin":"admin","bchat.backTo":"Back to {name}","bchat.mortgageAi":"Mortgage\xa0AI","bchat.loadingYourChat":"Loading your chat…","bchat.brokerFooter":"Your pipeline. Your voice. Your Breeze — built for the brokers who close more.","bchat.copied":"{label} copied!","bchat.labelPhone":"Phone","bchat.labelEmail":"Email","bchat.loanOfficer":"Loan Officer","bchat.noteHeading":"Note","bchat.urgentNote":"For urgent matters regarding your lock rate expiration, please call the office line directly.","bchat.prefillRateAlert":"Hi — I'd like to set up a rate alert. My target rate is X.XX% on [program]. Could you ping me the moment we hit it?","bchat.prefillRateLock":"Hi — I'd like to lock in a rate. Which programs are looking best for my profile right now, and what lock periods are available?","bchat.prefillAdvice":"Hi — could you walk me through which loan program fits my situation best? I'm weighing FHA / VA / conventional / ARM and would love your read.","bchat.sentAttachment":"\uD83D\uDCC1 Sent attachment: {name}","bchat.fileSentSuccess":"File sent successfully!","bchat.transcriptCopied":"Chat transcript copied to clipboard","bchat.dateToday":"Today","bchat.dateYesterday":"Yesterday","bchat.searchPlaceholder":"Search messages...","bchat.refreshChat":"Refresh Chat","bchat.copyTranscript":"Copy Transcript","bchat.noMessagesMatching":'No messages found matching "{query}"',"bchat.noMessagesYet":"No messages yet","bchat.emptyStartConversation":"Start a conversation with your Loan Officer to ask questions or get updates.","bchat.attachFile":"Attach File","bchat.typeAMessage":"Type a message...","bchat.defaultBrokerName":"My Broker","bchat.broker":"Broker","bchat.yourBroker":"Your Broker","bchat.online":"Online","bchat.typicalReplyTime":"Typical reply time: 1 hr","bchat.startConversationBroker":"Start a conversation with your broker!","bmisc.eyebrowBorrower":"Borrower","bmisc.signIn":"Sign in","bmisc.loading":"Loading…","bmisc.emailAddress":"Email address","bmisc.emailPlaceholder":"[email protected]","bmisc.forgotTitle":"Reset your password","bmisc.forgotSubtitle":"Enter your email and we'll send a reset link. It expires in 1 hour.","bmisc.forgotRememberedIt":"Remembered it?","bmisc.forgotSentSuccess":"If that email is on file, a reset link is on its way. Check your inbox (and spam folder).","bmisc.forgotSendAnother":"Send another","bmisc.forgotSendResetLink":"Send reset link","bmisc.forgotErrorGeneric":"Something went wrong. Please try again.","bmisc.forgotErrorNetwork":"Could not send reset email. Check your connection and try again.","bmisc.resetInvalidTitle":"Invalid link","bmisc.resetInvalidSubtitle":"This password reset link is missing required parameters.","bmisc.resetRequestNewLink":"Request a new link","bmisc.resetInvalidBody":"This link appears to be broken or incomplete. Please request a fresh reset link.","bmisc.resetPasswordsMismatch":"Passwords do not match.","bmisc.resetCouldNotReset":"Could not reset password. This link may have expired.","bmisc.resetNetworkError":"Something went wrong. Check your connection and try again.","bmisc.resetDoneTitle":"Password updated","bmisc.resetChooseTitle":"Choose a new password","bmisc.resetDoneSubtitle":"Your password has been changed. All existing sessions have been signed out.","bmisc.resetChooseSubt

1itle":"Pick a strong password — at least 8 characters.","bmisc.resetSignInNewPassword":"Sign in with your new password","bmisc.resetLinkExpired":"Link expired?","bmisc.resetRequestNewOne":"Request a new one","bmisc.resetDoneAlert":"Password updated successfully. Sign in below to get back to your loan.","bmisc.resetNewPasswordLabel":"New password","bmisc.resetNewPasswordPlaceholder":"At least 8 characters","bmisc.resetConfirmLabel":"Confirm password","bmisc.resetConfirmPlaceholder":"Re-enter password","bmisc.resetUpdatePassword":"Update password","bmisc.verifyEyebrow":"Email verification","bmisc.verifyConfirming":"Confirming your email…","bmisc.verifyTitleSuccess":"You're verified","bmisc.verifyTitleError":"Couldn't confirm email","bmisc.verifyIsConfirmed":"is confirmed.","bmisc.verifyMissingToken":"This link is missing its verification token. Request a new one below.","bmisc.verifyConfirmedMsg":"Your email is confirmed. Welcome aboard.","bmisc.verifyCouldNotConfirm":"We couldn't confirm this link. It may have expired.","bmisc.verifyNetworkError":"Network error while verifying. Try again in a moment.","bmisc.verifyEnterValidEmail":"Enter a valid email first.","bmisc.verifyResendSent":"Sent. Check your inbox (and spam folder).","bmisc.verifyResendFailed":"Could not resend right now.","bmisc.verifySignedInAsBefore":"You're signed in as","bmisc.verifySignedInAsAfter":"— sign out to use the account you just verified.","bmisc.verifySignOutAndSwitch":"Sign out and switch","bmisc.verifyStaySignedIn":"Stay signed in as {email}","bmisc.verifyContinueSignIn":"Continue to sign in","bmisc.verifyAutoRedirecting":"Auto-redirecting in {countdown}s…","bmisc.verifySendFreshLink":"Send a fresh link","bmisc.verifySending":"Sending…","bmisc.verifyResend":"Resend","bmisc.verifySignInInstead":"Sign in instead","bmisc.verifyWrongEmailSignUp":"Wrong email? Sign up again","bmisc.notifTitle":"Notifications","bmisc.notifOfflineCached":"Offline — showing your last 20 cached notifications.","bmisc.notifOfflineStale":"You're offline — notifications may not be current.","bmisc.notifUnreadSwipe":"{unread} unread — swipe right to mark as read","bmisc.notifAllCaughtUp":"All caught up","bmisc.notifMarkAllRead":"Mark all read","bmisc.notifFilter_all":"all","bmisc.notifFilter_unread":"unread","bmisc.notifFilter_loan":"loan","bmisc.notifFilter_document":"document","bmisc.notifFilter_compliance":"compliance","bmisc.notifEmptyAll":"No notifications yet.","bmisc.notifEmptyFiltered":"No {filter} notifications.","bmisc.notifToday":"Today","bmisc.notifYesterday":"Yesterday","bmisc.coEyebrow":"Co-borrower","bmisc.coInviteEyebrow":"Co-borrower invitation","bmisc.coLoadingTitle":"Loading invitation…","bmisc.coInvalidLink":"Invalid invitation link","bmisc.coAcceptFailed":"Failed to accept invitation","bmisc.coUnavailableTitle":"Invitation unavailable","bmisc.coUnavailableSubtitle":"This link is no longer valid.","bmisc.coUnavailableBody":"Ask the primary borrower to send a fresh invite. Each link is single-use and valid for 7 days.","bmisc.coReturnHome":"Return home","bmisc.coExpiredTitle":"Invitation expired","bmisc.coExpiredBody":"This invitation has passed its 7-day window. Ask {name} to send a fresh one.","bmisc.coRevokedTitle":"Invitation revoked","bmisc.coRevokedBody":"The primary borrower revoked this invitation. Ask {name} to send a new one if that was a mistake.","bmisc.coAlreadyAcceptedTitle":"Already accepted","bmisc.coAlreadyAcceptedBody":"This invitation has already been accepted. Sign in to continue your application.","bmisc.coWrongAccountTitle":"Wrong account","bmisc.coWrongAccountSubtitle":"The invitation was sent to a different email.","bmisc.coWrongAccountBefore":"You're signed in as","bmisc.coWrongAccountMiddle":", but this invitation was sent to","bmisc.coWrongAccountAfter":". Sign out and sign in with the invited email to accept.","bmisc.coSigningOut":"Signing out…","bmisc.coSwitchAccounts":"Switch accounts","bmisc.coInviteTitle":"{name} invited you to their mortgage application","bmisc.coSomeone":"Someone","bmisc.coInviteSubtitleBefore":"You've been added as a","bmisc.coInviteSubtitleAfter":"on a loan application. Click below to create your account or sign in.","bmisc.coDetailInvitedBy":"Invited by","bmisc.coUnknown":"(unknown)","bmisc.coDetailYourRole":"Your role","bmisc.coDetailSentTo":"Sent to","bmisc.coDetailExpiresIn":"Expires in","bmisc.coDayOne":"{n} day","bmisc.coDayMany":"{n} days","bmisc.coWhatNextTitle":"What happens next?","bmisc.coWhatNextBody":"After accepting, you'll be taken to the loan application to fill in your section — income, employment, assets, and the same identity questions {name} answered. We never share your info with anyone outside the loan application.","bmisc.coCreateAccount":"Create my account","bmisc.coHaveAccount":"I already have an account","bmisc.coAccepting":"Accepting…","bmisc.coAcceptInvitation":"Accept invitation","bsharedA.autofilledFromLastLoan":"Autofilled from your last loan","bsharedA.lastLoan":"Last loan","bsharedA.clearAutofilledValue":"Clear autofilled value for {fieldKey}","bsharedA.aiLoanAdvisor":"AI Loan Advisor","bsharedA.askAboutYourLoan":"Ask about your loan...","bsharedA.send":"Send","bsharedA.biometricDeleteError":"Could not delete biometric data","bsharedA.biometricNoneOnFile":"No biometric data on file — nothing to delete.","bsharedA.biometricDeletedOne":"Deleted {count} verification record.","bsharedA.biometricDeletedMany":"Deleted {count} verification records.","bsharedA.deleteBiometricData":"Delete biometric data","bsharedA.biometricExplainer":"Unified Loan System performs face-match identity verification to defend you against wire fraud at closing. You may request immediate deleti

1on of your facial photos and the extracted face crop at any time. Verification metadata (a numeric similarity score and audit log of when the check ran) is retained for mortgage record-keeping requirements.","bsharedA.biometricConfirm":"Are you sure? This cannot be undone.","bsharedA.deleting":"Deleting…","bsharedA.yesDelete":"Yes, delete","bsharedA.couldNotLoadConditions":"Couldn't load your conditions.","bsharedA.tryAgain":"Try again","bsharedA.blockingYourLoan":"Blocking your loan","bsharedA.seeAllConditions":"See all conditions","bsharedA.brokeredBy":"Brokered by","bsharedA.backupCardRemoveConfirm":"Remove the payment card on file? Your broker can no longer charge it for any third-party costs. You can save a new card later if needed.","bsharedA.backupCardRemoveError":"Could not remove card","bsharedA.backupCardRemovedTitle":"Card removed","bsharedA.backupCardRemovedMsg":"The payment card on file has been deleted.","bsharedA.paymentCardOnFile":"Payment card on file","bsharedA.backupCardHeldDesc":"Held as a backup. It will not be charged unless your loan does not close, and only for actual costs paid on your behalf.","bsharedA.cardGeneric":"Card","bsharedA.cardEnding":"{brand} ending {last4}","bsharedA.cardSavedAuthorized":"Saved {date} \xb7 Authorized up to {amount}","bsharedA.backupCardNoAuth":"Your broker has not yet recorded your written or recorded authorization. Until that happens, your card cannot be charged.","bsharedA.removing":"Removing…","bsharedA.removeCardOnFile":"Remove card on file","bsharedA.backupCardRemoveNote":"You can remove this card at any time. If a charge has already been initiated, removal will not reverse it; contact your broker.","bsharedA.checkingDisclosureStatus":"Checking disclosure status…","bsharedA.closingDisclosureReady":"Closing Disclosure ready","bsharedA.versionLabel":"Version {version}","bsharedA.issuedOn":"Issued {date}","bsharedA.reviewed":"Reviewed","bsharedA.actionNeeded":"Action needed: {title}","bsharedA.earliestLegalClosingDate":"Earliest legal closing date: {date}","bsharedA.daysFromTodayOne":"({days} day from today)","bsharedA.daysFromTodayMany":"({days} days from today)","bsharedA.threeBusinessDayNotice":". Federal law requires 3 business days between disclosure and signing — use this window to review the document carefully and ask questions before closing.","bsharedA.cashToClose":"Cash to close","bsharedA.whatYoullBringToClosing":"what you'll bring to closing","bsharedA.reviewYourClosingDisclosure":"Review your Closing Disclosure","bsharedA.todayIsClosingDay":"Today is closing day","bsharedA.oneDayUntilClosing":"1 day until closing","bsharedA.daysUntilClosing":"{days} days until closing","bsharedA.closingPreparation":"Closing preparation","bsharedA.closingPortal":"Closing portal","bsharedA.openClosingPortal":"Open closing portal","bsharedA.skipTour":"Skip tour","bsharedA.welcomeToVerispect":"Welcome to Unified Loan System","bsharedA.tourHeadlineNamed":"Hi {name} — let's get","bsharedA.tourHeadlineGeneric":"Let's get","bsharedA.tourHeadlineHighlight":"your loan moving.","bsharedA.tourSubtitle":"A 60-second walkthrough of the dashboard, application, and document center — so you know exactly where everything lives before you start.","bsharedA.stat100Digital":"100% digital","bsharedA.statNoPaper":"No paper, no faxes","bsharedA.statBankGrade":"Bank-grade security","bsharedA.statGlba":"GLBA + 256-bit","bsharedA.statAvgClose":"~30 day average close","bsharedA.statFromApplication":"From application","bsharedA.yourLoanEndToEnd":"Your loan, end to end","bsharedA.stageApply":"Apply","bsharedA.stageVerify":"Verify","bsharedA.stageUnderwrite":"Underwrite","bsharedA.stageDisclose":"Disclose","bsharedA.stageClose":"Close","bsharedA.inTheTourWellSpotlight":"In the tour, we'll spotlight","bsharedA.highlightDashboardLabel":"Your dashboard","bsharedA.highlightDashboardDesc":"Status panel + open requests","bsharedA.highlightRatesLabel":"Today's rates","bsharedA.highlightRatesDesc":"Live rate sheet + alerts","bsharedA.highlightCalculatorsLabel":"Calculators","bsharedA.highlightCalculatorsDesc":"Payment + affordability","bsharedA.highlightAppDocsLabel":"Application + docs","bsharedA.highlightAppDocsDesc":"1003 wizard + upload","bsharedA.highlightLoanOptionsLabel":"Loan options","bsharedA.highlightLoanOptionsDesc":"Programs you qual

1ify for","bsharedA.highlightSettingsLabel":"Account settings","bsharedA.highlightSettingsDesc":"Notifications + privacy","bsharedA.exploreOnMyOwn":"I'll explore on my own","bsharedA.watchVideoTour":"Watch the video tour","bsharedA.loadingYourDashboard":"Loading your dashboard…","bsharedA.stopAnytimeWith":"Stop anytime with","bsharedA.orClickingOutside":"or by clicking outside a spotlight.","bsharedA.pricingSendError":"Couldn't send: {error}","bsharedA.pricingSendErrorFallback":"please try again, or call your loan officer","bsharedA.letsTalkAboutYourRate":"Let's talk about your rate","bsharedA.pricingRateExplainer":"Your rate depends on your full financial picture and moves with the market every day. Rather than show you a number you can't hold, your loan officer will price your loan with the lender and walk you through your real options — and you'll get your rate in writing on your Loan Estimate.","bsharedA.noSurpriseNumbers":"No surprise numbers — just a real quote from a real person.","bsharedA.messageSentToLoanOfficer":"Message sent to your loan officer","bsharedA.followUpDirectly":"They'll follow up with you directly. For anything urgent, call or email them using the card above.","bsharedA.sendAnotherMessage":"Send another message","bsharedA.askAboutRateOrOptions":"Ask about your rate or options","bsharedA.sendQuestionGetBack":"Send your loan officer a question and they'll get back to you.","bsharedA.pricingMessagePlaceholder":"Hi, I'd like to understand my rate and monthly payment options for...","bsharedA.sending":"Sending…","bsharedA.sendToLoanOfficer":"Send to loan officer","bsharedA.generalQuestionAssistant":"Have a general question about the process? Tap the assistant in the corner — it can explain steps and documents, but your loan officer handles anything about your specific rate or approval.","bsharedA.wholesalePricing":"Wholesale Pricing","bsharedA.todaysPricing":"Today's Pricing","bsharedA.todaysPricingSubtitle":"Today's pricing from your broker's wholesale rate sheets, computed against your specific loan scenario. Talk to your broker about locking the rate that works for you.","bsharedA.pullingTodaysPricing":"Pulling today's pricing…","bsharedA.noAccessToLoan":"You do not have access to this loan.","bsharedA.pricingFailedToLoad":"Pricing failed to load.","bsharedA.noEligibleProducts":"No eligible products right now","bsharedA.noEligibleProductsBody":"No lender on file has a product matching your scenario. Reach out to your broker — they can review your application and check additional lender programs.","bsharedA.yourBestParRate":"Your Best Par Rate","bsharedA.noDiscountPointsSuffix":"— no discount points","bsharedA.onAProduct":"on a {product}","bsharedA.rateLockTagline":"{days}-day rate lock \xb7 your broker's wholesale pricing \xb7 pay nothing up front","bsharedA.estimatedMonthlyPI":"Estimated monthly P&I","bsharedA.discountPoints":"Discount points","bsharedA.none":"None","bsharedA.finalPrice":"Final price","bsharedA.pricingThisScenario":"Pricing this scenario","bsharedA.scenarioLoan":"Loan","bsharedA.scenarioProperty":"Property","bsharedA.scenarioOccupancy":"Occupancy","bsharedA.scenarioPurpose":"Purpose","bsharedA.allAvailableProducts":"All Available Products","bsharedA.allAvailableProductsDesc":"The par rate (no points) and the lowest buy-down rate (paid for with discount points at closing) for every product your broker can offer.","bsharedA.rateLadder":"Rate ladder","bsharedA.rateLadderSubtitle":"Sorted by note rate, lowest first. Lower rates require buying points at closing.","bsharedA.colProduct":"Product","bsharedA.colRate":"Rate","bsharedA.colPoints":"Points","bsharedA.colCostAtClosing":"Cost at closing","bsharedA.colLock":"Lock","bsharedA.par":"Par","bsharedA.buyDown":"Buy-down","bsharedA.readyToLockRate":"Ready to lock a rate?","bsharedA.readyToLockRateBody":"Talk to your broker. They can confirm eligibility, walk through the trade-offs between paying points and a higher rate, and lock your selection on your loan.","bsharedA.missingCreditScore":"Credit score (your broker will run this)","bsharedA.missingLoanAmount":"Loan amount (Step 6 of your application)","bsharedA.missingPropertyValue":"Property value (Step 6 of your application)","bsharedA.missingOccupancy":"How the property will be used (Step 6)","bsharedA.missingLoanPurpose":"Purchase or refinance (Step 6)","bsharedA.missingPropertyType":"Property type (Step 6)","bsharedA.aFewMoreDetailsFirst":"A few more details first","bsharedA.weNeedTheseToPullPricing":"We need these to pull today's pricing. Most live in your loan application — your broker pulls credit.","bsharedA.noAccessToLoanTitle":"You don't have access to this loan","bsharedA.pricingDidntLoad":"Pricing didn't load","bsharedA.applicationProgress":"Application progress","bsharedA.fundedSuffix":"(funded)","bsharedA.computingYourNumbers":"Computing your numbers…","bsharedA.numbersNotReady":"Numbers aren't ready yet","bsharedA.numbersNotReadyBody":"Your loan officer is still gathering information. Once your application is complete and a rate is locked, you'll see your monthly payment estimate and qualifying ratios here.","bsharedA.segLoanPayment":"Loan payment","bsharedA.segPropertyTax":"Property tax","bsharedA.segHomeownersInsurance":"Homeowners insurance","bsharedA.segMortgageInsurance":"Mortgage insurance","bsharedA.segHoaDues":"HOA dues","bsharedA.viewYourLoanDetail

1s":"View your loan details","bsharedA.yourLoanAtAGlance":"Your loan at a glance","bsharedA.atRatePrefix":"at {rate}% \xb7","bsharedA.loanOnHome":"{loan} loan on a {home} home","bsharedA.loanOnly":"{loan} loan","bsharedA.hideLoanDetails":"Hide loan details","bsharedA.hide":"Hide","bsharedA.monthlyHousingPayment":"Monthly housing payment","bsharedA.atRate":"at {rate}%","bsharedA.loanAmount":"Loan amount","bsharedA.onAHome":"on a {home} home","bsharedA.cashYouKeepEachMonth":"Cash you keep each month","bsharedA.afterHousingAndDebts":"after housing + other debts","bsharedA.debtToIncomeLabel":"Debt-to-income (DTI)","bsharedA.dtiComfortable":"Your monthly debts are well within a comfortable range. Lenders typically look favorably at this.","bsharedA.dtiStandard":"Your monthly debts are within standard qualifying limits.","bsharedA.dtiAbove43":"Your debts are above the standard 43% comfort line. Some lenders may need additional documentation.","bsharedA.dtiAbove50":"Your monthly debts exceed the typical 50% ceiling. We may need to adjust the loan structure.","bsharedA.loanToValueLabel":"Loan-to-value (LTV)","bsharedA.ltvBelow80":"You're below the 80% line — no mortgage insurance is required. That keeps your monthly payment lower.","bsharedA.ltvBetween8095":"You're above 80%, so the lender will require mortgage insurance (MI). It's reflected in your monthly payment above.","bsharedA.ltvAbove95":"You're above 95% — this is a high-LTV loan and may have additional requirements.","bsharedA.whatGoesIntoPayment":"What goes into your monthly housing payment","bsharedA.qualifyingEstimatesNote":"These numbers are estimates from your application data. Final figures appear on your Closing Disclosure. Questions? Reply to any email from your loan officer — it goes directly to them.","bsharedA.checkingRescissionStatus":"Checking rescission status…","bsharedA.rightToCancel":"Right to Cancel","bsharedA.rescissionWindowClosed":"Rescission window closed","bsharedA.oneDayLeftToCancel":"1 day left to cancel","bsharedA.daysLeftToCancel":"{days} days left to cancel","bsharedA.deadlineEndOfDay":"Deadline: {date} (end of day)","bsharedA.rescissionLegalPre":"Federal law (Truth in Lending Act, 15 U.S.C. \xa71635) gives you","bsharedA.threeBusinessDays":"three business days","bsharedA.rescissionLegalPost":"to rescind this refinance — meaning cancel it without penalty. After the deadline, the loan funds and you cannot unwind it through the rescission process.","bsharedA.rescissionClosedBody":"Your three-business-day right-of-rescission window has closed. Your loan can now proceed to funding.","bsharedA.earliestFundingDate":"Earliest funding date","bsharedA.howToCancel":"How to cancel","bsharedA.cancelStep1Pre":"Sign + date the","bsharedA.noticeOfRightToCancel":"Notice of Right to Cancel","bsharedA.cancelStep1Post":"form (included with your closing documents) and deliver it back to your lender by mail, fax, telegram, or other written means BEFORE midnight of the deadline date above.","bsharedA.cancelStep2":"If you cancel, the lender must return any money or property you have given them and release any security interest within 20 days. You don't pay a cancellation fee.","bsharedA.cancelDisclaimer":"This summary is for general information; rely on the printed Notice of Right to Cancel form for the exact procedural requirements.","bsharedA.resourceIncomeTitle":"How your income is being counted","bsharedA.resourceIncomeBlurb":"Line-by-line breakdown of qualifying income with the math behind each source.","bsharedA.resourceDocsTitle":"Documents you still need to provide","bsharedA.resourceDocsBlurb":"One-screen list of every open document request, with aging on what's been waiting.","bsharedA.resourceDisclosuresTitle":"Loan Estimate & Closing Disclosure","bsharedA.resourceDisclosuresBlurb":"View, download, and acknowledge the federally-required disclosures for your loan.","bsharedA.resourcesForYou":"Resources for you","bsharedA.resourcesSubtitle":"Detailed views on the parts of your loan that usually surface the most questions.","bsharedA.sendFailed":"Send failed","bsharedA.loadingYourMessages":"Loading your messages…","bsharedA.messageYourBroker":"Message your broker","bsharedA.noMessagesYet":"No messages yet","bsharedA.sendQuestionBrokerPinged":"Send a question and your broker will get pinged.","bsharedA.typeAMessage":"Type a message…","bsharedA.sendMessage":"Send message","bsharedA.welcomeNamed":"Welcome, {name}","bsharedA.getStarted":"Get started","bsharedA.welcomeModalBody":"We don't have an active loan application on file for you yet. You can start the full 1003 mortgage application now, or skip ahead to your dashboard and start later.","bsharedA.recommended":"Recommended","bsharedA.start1003Application":"Start 1003 Application","bsharedA.beginMortgageForm":"Begin the mortgage form","bsharedA.skipForNow":"Skip for now","bsharedA.enterBorrowerDashboard":"Enter Borrower Dashboard","bsharedA.lookAroundFirst":"Look around first; you can start the application from the dashboard later.","bsharedA.cashToCloseSummary":"Cash to close summary","bsharedA.wireNullStateLine1":"Your broker will c

1onfirm your exact cash-to-close amount 1–2 days before closing.","bsharedA.wireNullStateLine2":"The figures on your Closing Disclosure are your current estimate.","bsharedA.wireDownPayment":"Down payment","bsharedA.wireClosingCosts":"Closing costs","bsharedA.wirePrepaidItems":"Prepaid items","bsharedA.wireEscrowDeposit":"Escrow deposit","bsharedA.wireTotal":"Total","bsharedA.cashToCloseAria":"cash to close {amount}","bsharedA.wireDispatchedLine1":"Your broker has sent your wire instructions to the title company.","bsharedA.wireDispatchedLine2":"Your exact cash-to-close is on your Closing Disclosure — confirm the amount with your broker before sending any funds.","bsharedA.fundsTo":"Funds to:","bsharedA.howToPay":"How to pay:","bsharedA.cashiersCheckOrWire":"Cashier's check or wire transfer","bsharedA.sentByBroker":"Sent by broker:","bsharedA.wireFraudWarning":"Wire fraud warning","bsharedA.wireFraudPre":"Scammers intercept emails and send fake wire instructions.","bsharedA.wireFraudBold":"Always call the title company at a phone number you found independently","bsharedA.wireFraudPost":"— never from an email. Once a wire is sent, recovery is nearly impossible.","bsharedA.wireFraudNeverAsk":"Unified Loan System will never ask you to wire funds to a new account via email.","bsharedA.countdownOnSchedule":"On schedule","bsharedA.countdownClosingSoon":"Closing soon — let's tie up loose ends","bsharedA.countdownClosingThisWeek":"Closing this week","bsharedA.congratsOnClosing":"Congratulations on closing","bsharedA.daySinceClosing":"Day since closing","bsharedA.daysSinceClosing":"Days since closing","bsharedA.todayIsTheDay":"Today is the day","bsharedA.dayUntilYourKeys":"Day until your keys","bsharedA.daysUntilYourKeys":"Days until your keys","bsharedA.closingCountdown":"Closing countdown","bsharedA.confirmedClosingDate":"Confirmed closing date","bsharedA.allConditionsCleared":"All conditions cleared","bsharedA.itemStillOpenOne":"{count} item still open","bsharedA.itemStillOpenMany":"{count} items still open","bsharedA.brokerReachOutBeforeClose":"Your broker will reach out before close.","bsharedA.youreSetSitBack":"You're set — sit back and we'll handle the rest.","bsharedA.loadingClosingSchedule":"Loading closing schedule…","bsharedA.failedToSubmitProposal":"Failed to submit proposal","bsharedA.failedToAcceptCounter":"Failed to accept counter","bsharedA.failedToRejectCounter":"Failed to reject counter","bsharedA.failedToRepropose":"Failed to re-propose","bsharedA.pickNewClosingDate":"Pick a new closing date","bsharedA.pickClosingDate":"Pick a closing date","bsharedA.previousDatePassedOn":"Your previous date was passed on by your broker.","bsharedA.reasonLabel":"Reason:","bsharedA.pickWeekdayHint":"Pick a weekday at least 7 days from today. Most loans close 30–45 days out — the broker may counter with a different date based on what's realistic.","bsharedA.proposedClosingDate":"Proposed closing date","bsharedA.notesForBrokerOptional":"Notes for your broker (optional)","bsharedA.closingNotesPlaceholder":"Optional — anything your broker should know? (school year, lease ending, etc.)","bsharedA.sendToBroker":"Send to broker","bsharedA.awaitingBrokerReview":"Awaiting broker review","bsharedA.proposedTimeAgo":"Proposed {time}. Your broker will confirm or suggest a different date.","bsharedA.brokerSuggestedDifferentDate":"Broker suggested a different date","bsharedA.youProposed":"You proposed","bsharedA.brokerSuggests":"Broker suggests","bsharedA.acceptDate":"Accept date","bsharedA.pickAnother":"Pick another","bsharedA.walkAway":"Walk away","bsharedA.yourProposedClosingDate":"Your proposed closing date","bsharedA.reproposeNotesPlaceholder":"Optional — anything your broker should know about this new date?","bsharedA.sendNewDate":"Send new date","bsharedA.reasonForDeclining":"Reason for declining this date (optional)","bsharedA.rejectReasonPlaceholder":"Optional — why are you walking away from this date?","bsharedA.walkAwayFromDate":"Walk away from this date","bsharedA.closingScheduled":"Closing scheduled","bsharedA.confirmedTimeAgo":"Confirmed {time}","bsharedA.closingScheduledBody":"Your broker is locking in TRID + closing-disclosure timing now. We'll let you know 

1when the closing-package eSign request lands in your inbox.","bsharedA.goToClosingRoom":"Go to your closing room","bsharedA.justNow":"just now","bsharedA.closingDayWalkthrough":"Closing day walkthrough","bsharedA.statusNow":"Now","bsharedA.openInMaps":"Open in Maps","bsharedA.closingDayPrep":"Closing day prep","bsharedA.whatYoullNeedOn":"What you'll need on {date}","bsharedA.bringOrHaveReady":"Bring or have ready","bsharedA.prepIdTitle":"Government-issued photo ID","bsharedA.prepIdDetail":"Driver's license or passport. Must be unexpired. Co-borrowers each bring their own.","bsharedA.prepCheckTitle":"Cashier's check or wire confirmation","bsharedA.prepCheckDetail":"Your loan officer will give you the exact cash-to-close amount 1–2 days before. Don't wire from a personal check — title companies usually require certified funds.","bsharedA.prepInsuranceTitle":"Homeowners insurance binder","bsharedA.prepInsuranceDetail":"The first year is paid at closing. If you haven't bound a policy yet, do it this week.","bsharedA.prepCoborrowerTitle":"Co-borrower / spouse availability","bsharedA.prepCoborrowerDetail":"Anyone on the loan must be present (in-person or via remote online notarization).","bsharedA.wireFraudIsReal":"Wire fraud is real — verify wire instructions in person","bsharedA.wireFraudPrepPre":"Scammers send emails that look exactly like your title company asking you to wire funds to their account.","bsharedA.wireFraudPrepPost":"(not from any email) and verbally confirm the wiring instructions before sending. Once a wire goes out, it's nearly impossible to get back.","bsharedA.coborrowerAdded":"Co-borrower added","bsharedA.joinedAsYour":"joined as your {relationship}","bsharedA.coborrowerWord":"co-borrower","bsharedA.relSpouse":"Spouse","bsharedA.relDomesticPartner":"Domestic partner","bsharedA.relParent":"Parent","bsharedA.relSibling":"Sibling","bsharedA.relOther":"Other","bsharedA.statusPending":"Pending","bsharedA.statusAccepted":"Accepted","bsharedA.statusExpired":"Expired","bsharedA.statusRevoked":"Revoked","bsharedA.failedToSendInvitation":"Failed to send invitation","bsharedA.inviteSentTo":"Invite sent to {email} — they have 7 days to accept.","bsharedA.revokeConfirm":"Revoke this invitation? The recipient won't be able to use the link anymore.","bsharedA.revokeFailed":"Revoke failed","bsharedA.resendFailed":"Resend failed","bsharedA.invitationResent":"Invitation re-sent. The original link still works; we just bumped the expiration.","bsharedA.namedSectionProgress":"{name}'s section progress","bsharedA.theirSectionProgress":"Their section progress","bsharedA.hasntOpenedYet":"\xb7 hasn't opened it yet","bsharedA.theyCanFinishAt":"They can finish at any time at","bsharedA.addACoborrower":"Add a co-borrower","bsharedA.coborrowerBoostIncome":"Adding a spouse or partner can boost your qualifying income and help you afford more.","bsharedA.invite":"Invite","bsharedA.expiresOn":"Expires {date}","bsharedA.resendInvitationAria":"Resend invitation — same link, fresh 7-day expiration","bsharedA.revokeInvitationAria":"Revoke invitation — link stops working immediately","bsharedA.firstName":"First name","bsharedA.firstNamePlaceholder":"Jane","bsharedA.lastName":"Last name","bsharedA.lastNamePlaceholder":"Doe","bsharedA.emailLabel":"Email","bsharedA.coborrowerEmailPlaceholder":"[email protected]","bsharedA.relationship":"Relationship","bsharedA.sendInvite":"Send invite","bsharedA.emptyClickPre":"Click","bsharedA.emptyClickPost":"to send an email — your co-borrower creates their own account to fill in their section of the application. They never see your password or sensitive info.","bsharedA.priorInvitations":"Prior invitations","bsharedA.yourProgress":"Your progress","bsharedA.countOfTotal":"{count} of {total}","bsharedA.pctComplete":"{pct}% complete","bsharedA.nextUp":"Next up","bsharedA.dueDate":"Due {date}","bsharedA.startThis":"Start this →","bsharedA.allConditionsComplete":"All conditions complete!","bsharedA.loanOfficerWhatsNext":"Your loan officer will let you know 

1what's next.","bsharedA.disclosuresAndConsent":"Disclosures & Consent","bsharedA.reviewAndAcceptDisclosures":"Please review and accept the following disclosures to proceed with your application.","bsharedA.consentESignTitle":"E-Sign Consent","bsharedA.consentESignDesc":"I agree to receive disclosures and communications electronically and consent to e-sign documents. I understand that I can withdraw this consent at any time.","bsharedA.consentCreditAuthTitle":"Credit Authorization","bsharedA.consentCreditAuthDesc":'I authorize the lender to obtain a consumer credit report to evaluate my eligibility for a mortgage loan. This may be a "soft pull" that does not affect my score initially.',"bsharedA.consentTermsTitle":"Terms of Service","bsharedA.consentTermsDesc":"I verify that the information provided is true and correct. I agree to the Terms of Service and Privacy Policy.","bsharedA.tcpaAuthTitle":"Security & authentication messages","bsharedA.tcpaLoanStatusTitle":"Loan status & operational updates","bsharedA.tcpaDocSigningTitle":"Document, closing & e-sign reminders","bsharedA.requiredBadge":"Required","bsharedA.acceptedCheck":"Accepted ✓","bsharedA.optionalSmsNotifications":"Optional SMS Notifications","bsharedA.smsConsentNotRequired":"Consent to receive text messages is not required. You can choose any combination of categories below.","bsharedA.requiredAgreementsAccepted":"{accepted} of {total} required agreements accepted","bsharedA.yourLoanOfficerName":"Your Loan Officer","bsharedA.messageNotSent":"Message not sent","bsharedA.somethingWentWrong":"Something went wrong. Please try again.","bsharedA.phoneNumber":"Phone number","bsharedA.phone":"Phone","bsharedA.loanOfficerRole":"Loan Officer","bsharedA.sendMessageBelowGetBack":"Send a message below and your loan officer will get back to you.","bsharedA.sendAMessage":"Send a Message","bsharedA.askQuestionRequestCall":"Ask a question or request a call back.","bsharedA.topic":"Topic","bsharedA.topicGeneralInquiry":"General Inquiry","bsharedA.topicRateQuote":"Rate Quote","bsharedA.topicPreApprovalStatus":"Pre-Approval Status","bsharedA.topicDocumentQuestion":"Document Question","bsharedA.topicScheduleCall":"Schedule Call","bsharedA.messageLabel":"Message","bsharedA.contactPlaceholder":"Hi {name}, I have a question about... (or tap the mic to dictate)","bsharedA.sendMessageTitle":"Send Message","bsharedA.messageSentExclaim":"Message Sent!","bsharedA.thanksForReachingOut":"Thanks for reaching out. {name} will follow up with you here.","bsharedA.close":"Close","bsharedA.dataDiscrepancyDetected":"Data Discrepancy Detected","bsharedA.aiFoundMismatch":"Our AI found a mismatch between your application and the uploaded document.","bsharedA.inApplication":"In Application","bsharedA.emptyValue":"(Empty)","bsharedA.inDocument":"In Document","bsharedA.keepMyValue":"Keep My Value","bsharedA.reviewAndFix":"Review & Fix","bsharedA.moreDiscrepancyOne":"{count} more discrepancy found","bsharedA.moreDiscrepancyMany":"{count} more discrepancies found","bsharedA.docNeedsSecondLookOne":"{count} document needs a second look","bsharedA.docNeedsSecondLookMany":"{count} documents need a second look","bsharedA.openReviewPage":"Open the review page to confirm or correct.","bsharedA.allCaughtUp":"All caught up","bsharedA.nothingNeedsSignature":"Nothing needs your signature or review right now. Your loan officer will let you know 

1when something new arrives.","bsharedA.actionRequired":"Action required","bsharedA.pendingReview":"Pending review","bsharedA.documentsNeedAttention":"Documents that need your attention","bsharedA.itemWaitingOne":"{count} item waiting for you to review or sign.","bsharedA.itemWaitingMany":"{count} items waiting for you to review or sign.","bsharedA.newBadge":"New","bsharedA.complete":"Complete","bsharedA.review":"Review","bsharedA.needsYourAttention":"Needs your attention","bsharedA.nMissing":"{count} missing","bsharedA.nMore":"+{count} more","bsharedA.viewAllDocuments":"View all {count} documents","bsharedA.hintFromPriorLoan":"From prior loan","bsharedA.hintFromDocument":"From document","bsharedA.hintHeadsUp":"Heads up","bsharedA.applied":"Applied","bsharedA.useThis":"Use this","bsharedA.dismissHint":"Dismiss hint","bsharedA.boxCounter":"Box {current}/{total}","bsharedA.closeGuidance":"Close guidance","bsharedA.optionalBadge":"Optional","bsharedA.filled":"Filled","bsharedA.askVeraAboutThis":"Ask Breeze about this","bsharedA.backArrow":"← Back","bsharedA.doneWithGuidance":"Done with guid

1ance","bsharedA.finish":"Finish","bsharedA.leftTheGuideContinue":"Looks like you left the guide — continue?","bsharedA.dismissGuideResume":"Dismiss guide resume prompt","bsharedA.fundingDocsSigned":"Docs Signed","bsharedA.fundingWireSent":"Wire Sent","bsharedA.fundingLoanFunded":"Loan Funded","bsharedA.fundingStatusAria":"Funding status: {status}","bsharedA.fundingStatus":"Funding status","bsharedA.checkingForUpdates":"Checking for updates…","bsharedA.glossarySearchPlaceholder":"Search terms (e.g. APR, escrow, pre-approval)…","bsharedA.noTermsMatched":"No terms matched “{query}”.","bsharedA.aka":"a.k.a. {list}","bsharedA.seeAlso":"See also: {list}","bsharedA.guidedMode":"Guided mode","bsharedA.stepNumber":"Step {number}","bsharedA.expandGuidance":"Expand guidance","bsharedA.collapseGuidance":"Collapse guidance","bsharedA.turnOffGuidance":"Turn off guidance","bsharedA.whatToKnow":"What to know","bsharedA.basedOnWhatYouEntered":"Based on what you entered","bsharedA.skipThisSection":"Skip this section for now","bsharedA.turnOnGuidance":"Turn on guidance","bsharedA.pullingInsuranceQuotes":"Pulling insurance quotes…","bsharedA.quotesForYourAddress":"{count} quotes for your address","bsharedA.insuranceRequiredAtClosing":"Required at closing. Here's a ballpark of what coverage could cost for your property so you can budget — you'll choose and bind a policy with the carrier (your loan officer can help) before closing.","bsharedA.coverageLine":"Dwelling {dwelling} \xb7 Contents {contents} \xb7 Liability {liability} \xb7 {deductible} deductible","bsharedA.perYearEst":"/ year est.","bsharedA.quotesIllustrative":"Quotes are illustrative until carrier integrations land. Real bind handled by the carrier you select.","bsharedA.ratingAria":"Rating: {rating} out of 5","bsharedA.viewYourLoanEstimate":"View your Loan Estimate","bsharedA.skipToYour":"Skip to your {label}","bsharedA.openAction":"Open {label}","bsharedA.newActionRequired":"New \xb7 Action required","bsharedA.pendingShort":"Pending","bsharedA.dismiss":"Dismiss","bsharedA.healthExcellent":"Excellent","bsharedA.healthExcellentSub":"You're cruising — almost nothing left to do.","bsharedA.healthOnTrack":"On track","bsharedA.healthOnTrackSub":"A few small items left, but the big stuff is done.","bsharedA.healthNeedsAttention":"Needs attention","bsharedA.healthNeedsAttentionSub":"Knocking out a couple more items will move you up fast.","bsharedA.healthActionRequired":"Action required","bsharedA.healthActionRequiredSub":"Let's tackle the open items so the loan can keep moving.","bsharedA.loanHealthScoreAria":"Loan health score: {score} out of 100, {band}","bsharedA.loanHealth":"Loan health","bsharedA.quickestWins":"Quickest wins to boost your score","bsharedA.hideScoreBreakdown":"Hide score breakdown","bsharedA.howIsScoreCalculated":"How is this score calculated?","bsharedA.yourLoanOfficer":"Your loan officer","bsharedA.nmlsId":"NMLS {id}","bsharedA.actionEmail":"Email","bsharedA.actionCall":"Call","bsharedA.actionMessage":"Message","bsharedA.loanOfficerHereToHelp":"Your loan officer is here to help. Call them anytime during business hours.","bsharedA.veraHelpWriteThis":"Breeze, help me write this","bsharedA.draftingFailed":"Drafting failed","bsharedA.letterOfExplanation":"Letter of Explanation","bsharedA.forCondition":"For: {title}","bsharedA.whatUnderwritingNeeds":"What underwriting needs explained","bsharedA.anythingInYourWords":"Anything you want to say in your own words?","bsharedA.optional":"(optional)","bsharedA.loeContextPlaceholder":"e.g. The late payment was caused by a hospital stay in March, which I've fully recovered from. I've never missed a payment before or since.","bsharedA.helpsVeraWrite":"Helps Breeze write the letter accurately. The more context you give, the better the draft.","bsharedA.veraDraftedTone":"Breeze drafted this in a {tone} tone.","bsharedA.editAnything":"Edit anything that doesn't sound like you.","bsharedA.loeTipReplace":'Tip: replace any "[fill in: …]" placeholders with your actual details before sending.',"bsharedA.copied":"Copied!","bsharedA.copyLetter":"Copy letter","bsharedA.drafting":"Drafting…","bsharedA.reDraft":"Re-draft","bsharedA.draftMyLetter":"Draft my letter","bsharedA.stageApplication":"Application","bsharedA.stagePriced":"Priced","bsharedA.stageLeIssued":"LE issued","bsharedA.stageAus":"AUS","bsharedA.stageSubmitted":"Submitted","bsharedA.stageCdIssued":"CD issued","bsharedA.stageSigned":"Signed","bsharedA.stageFunded":"Funded","bsharedA.vsNotStarted":"Not started","bsharedA.vsInProgress":"In progress","bsharedA.vsAwaitingResponse":"Awaiting response","bsharedA.vsComplete":"Complete","bsharedA.vsNeedsAttention":"Needs attention","bsharedA.ownerYou":"You","bsharedA.ownerBroker":"Broker","bsharedA.ownerLender":"Lender","bsharedA.ownerVendor":"Vendor","bsharedA.ownerOnTrack":"On track","bsharedA.pillFunded":"Funded","bsharedA.pillOnTrack":"On track","bsharedA.pillInProgress":"In progress","bsharedA.yourLoanStatus":"Your loan status","bsharedA.stageLabel":"Stage: {stage}","bsharedA.dayOfPrefix":"Day","bsharedA.dayOfSuffix":"of ~{total}","bsharedA.daysToClose":"days to close","bsharedA.refreshStatus":"Refresh status","bsharedA.onTrackNothingToDo":"You're on track — nothing to do right now","bsharedA.currentlyWaitingOn":"Currently waiting on {owner}","bsharedA.takeAction":"Take action","bsharedA.tapAnyStepBelow":"Tap any step below","bsharedA.getInsightsTailored":"to get insights tailored to your loan","bsharedA.recommendedDot":"\xb7 recommended","bsharedA.expectedTodayTitle":"Where you'd be on an average loan timeline by today","bsharedA.expected":"Expected","bsharedA.yourCurrentStage":"Your loan's current stage","bsharedA.youAreHere":"You are here","bsharedA.whatHappensAtStage":"What happens at the {stage} stage?","bsharedA.signedPill":"Signed","bsharedA.legend":"Legend","bsharedA.legendActualStage":"— actual stage","bsharedA.legendTypicalPace":"— typical pace","bsharedA.daysBehind":"\xb7 {days}d behind","bsharedA.daysAhead":"\xb7 {days}d ahead","bsharedA.rightOnSchedule":"\xb7 right on schedule","bsharedA.loanFundedCongrats":"Loan funded \xb7 congratulations!","bsharedA.fileClosedWelcomeHome":"Your file closed and funded — welcome home.","bsharedA.openRequests":"Open requests","bsharedA.needsAttention":"Needs attention","bsharedA.itemToAddress":"item to address","bsharedA.itemsToAddress":"items to address","bsharedA.laneFlagged":"lane flagged","bsharedA.lanesFlagged":"lanes flagged","bsharedA.allClear":"all clear","bsharedA.inProgressTile":"In progress","bsharedA.laneActive":"lane active","bsharedA.lanesActive":"lanes active","bsharedA.completeTile":"Complete","bsharedA.laneCleared":"lane cleared","bsharedA.lanesCleared":"lanes cleared","bsharedA.hideLoanLaneDetails":"Hide loan lane details","b

1sharedA.showLoanLaneDetails":"Show full loan lane details","bsharedA.hideDetails":"Hide details","bsharedA.seeFullDetailsLanes":"See full details ({lanes} lanes","bsharedA.plusRequestOne":" + {count} request","bsharedA.plusRequestMany":" + {count} requests","bsharedA.closeParen":")","bsharedA.whatsHappeningLaneByLane":"What's happening, lane by lane","bsharedA.etaPrefix":"ETA {eta}","bsharedA.openRequestsCount":"Open requests ({count})","bsharedA.openDays":"Open {days}d","bsharedA.daysOverdue":"{days}d overdue","bsharedA.dueInDays":"Due in {days}d","bsharedA.closeStageDetails":"Close stage details","bsharedA.loadingStageDetails":"Loading stage details + personalizing for your loan…","bsharedA.upcoming":"Upcoming","bsharedA.stageWord":"Stage","bsharedA.whatHappensAtThisStage":"What happens at this stage","bsharedA.verasTakeOnYourLoan":"Breeze's take on YOUR loan at this stage","bsharedA.whatYouNeededToBring":"What you needed to bring","bsharedA.whatToPrepare":"What to prepare","bsharedA.commonGotchas":"Common gotchas to know about","bsharedA.openTileDetails":"Open {label} details","bsharedB.pickDateTimeFirst":"Pick a date + time first","bsharedB.scheduleFailed":"Schedule failed","bsharedB.cancelNotaryConfirm":"Cancel this notary appointment?","bsharedB.cancelFailed":"Cancel failed","bsharedB.loadingNotary":"Loading notary…","bsharedB.notarySigning":"Notary signing","bsharedB.scheduleYourAppointment":"Schedule your appointment","bsharedB.notaryPickIntro":"Pick how you'd like to sign — Remote Online Notarization (RON) lets you sign from anywhere on a video call, or schedule an in-person notary near you.","bsharedB.scheduleNotary":"Schedule notary","bsharedB.remoteRon":"Remote (RON)","bsharedB.ronSub":"Sign on a video call from home","bsharedB.inPerson":"In-person","bsharedB.inPersonSub":"Mobile notary comes to you","bsharedB.notaryNotesPlaceholder":"Anything the notary should know? (parking, accessibility, etc.)","bsharedB.schedule":"Schedule","bsharedB.statusConfirmed":"Confirmed","bsharedB.statusScheduled":"Scheduled","bsharedB.minuteSession":"{minutes}-minute session","bsharedB.notaryLabel":"Notary:","bsharedB.openSigningLink":"Open signing link","bsharedB.mobileNotaryArrival":"A mobile notary will arrive at your address ~5 minutes before the appointment time. Bring a government photo ID + any cash-to-close documents.","bsharedB.testEnvironment":"Test environment","bsharedB.offlineChangesSaved":"Offline — changes saved locally","bsharedB.syncing":"Syncing…","bsharedB.synced":"Synced","bsharedB.checkingActionItems":"Checking your action items…","bsharedB.brokerHasEverything":"Your broker has everything they need from you right now.","bsharedB.actionItemWaiting":"action item waiting on you","bsharedB.actionItemsWaiting":"action items waiting on you","bsharedB.tapToSeeList":"Tap to see the full list — most take a couple minutes.","bsharedB.bankLinkedPulling":"Bank linked — pulling your accounts now.","bsharedB.bankLinkFailed":"We couldn't finish linking your bank. Try again or use the manual upload.","bsharedB.bankConnectionFailed":"Bank connection failed. Try again or upload statements manually.","bsharedB.bankSessionEnded":"Your bank session ended unexpectedly. Try again or upload statements.","bsharedB.signInAgainConnect":"Please sign in again to connect your bank.","bsharedB.bankLinkingUnavailable":"Bank linking is briefly unavailable. Try again in a minute or upload statements manually.","bsharedB.bankLinkTooMany":"Too many attempts — please wait a few minutes and try again.","bsharedB.bankLinkStartError":"Couldn't start bank link (error {status}). Try again or upload statements.","bsharedB.encryptingConnection":"Encrypting Connection…","bsharedB.verifyingIdentity":"Verifying Identity…","bsharedB.connectBankAuto":"Connect Bank Account Automatically","bsharedB.disconnecting":"Disconnecting…","bsharedB.disconnectBank":"Disconnect bank","bsharedB.yourBank":"your bank","bsharedB.close":"Close","bsharedB.headsUp":"Heads up","bsharedB.disconnectName":"Disconnect {name}?","bsharedB.disconnectDeleteData":"We'll delete the bank statements, identity data, and asset report we pulled from Plaid.","bsharedB.disconnectReconnectAnytime":"You can reconnect anytime — your loan progress stays intact.","bsharedB.disconnectAutoFillsManual":"Disconnecting won't 

1cancel your application, but any auto-fills powered by your bank will need to be entered manually until you reconnect.","bsharedB.keepConnected":"Keep connected","bsharedB.yesDisconnect":"Yes, disconnect","bsharedB.fromYourBank":"From your bank","bsharedB.accountFound":"{count} account found","bsharedB.accountsFound":"{count} accounts found","bsharedB.accountFallback":"Account","bsharedB.importHasManual":"How would you like to use these? Your typed-in accounts are kept unless you choose to replace them.","bsharedB.importNoManual":"Add these to your application, or keep entering them yourself.","bsharedB.addToMyList":"Add to my list","bsharedB.replaceMyEntries":"Replace my entries with these","bsharedB.keepWhatIEntered":"Keep what I entered","bsharedB.noThanksEnter":"No thanks, I'll enter them","bsharedB.bankReconnected":"Bank reconnected — your loan data is current again.","bsharedB.bankReconnectFlagFailed":"Bank reconnect saved but the status flag didn't clear — refresh the page to confirm.","bsharedB.bankReconnectMarkFailed":"Failed to mark bank as reconnected. Try again or contact support.","bsharedB.bankReconnectSessionEnded":"Bank reconnect session ended. Try again — your existing data is unchanged.","bsharedB.signInAgainReconnect":"Please sign in again to reconnect your bank.","bsharedB.reconnectStartError":"Couldn't start the reconnect flow (error {status}). Try again in a moment.","bsharedB.bankConnectionNeedsAttention":"Bank connection needs attention","bsharedB.bankRequiresReLogin":"Your bank requires a quick re-login to keep your loan data current.","bsharedB.opening":"Opening…","bsharedB.reconnectBank":"Reconnect Bank","bsharedB.yourDataYourFile":"Your data, your file","bsharedB.downloadYourData":"Download your data","bsharedB.portabilityBody":"Your 1003 in MISMO 3.4 — the industry standard. Drops directly into Encompass / Calyx / LendingPad if you ever decide to take your file elsewhere. We never lock you in.","bsharedB.downloadMismoXml":"Download MISMO 3.4 XML","bsharedB.yourLoanIsFunded":"Your loan is funded.","bsharedB.congratulations":"Congratulations!","bsharedB.fundedOn":"Funded on {date}","bsharedB.loanNumber":"Loan {number}","bsharedB.setUpAutoPay":"Set Up Auto-Pay","bsharedB.autoPayDesc":"Set up automatic monthly payments through your loan servicer so you never miss a payment.","bsharedB.goToServicerPortal":"Go to servicer portal","bsharedB.comingSoon":"Coming soon","bsharedB.downloadDocs":"Download Docs","bsharedB.downloadDocsDesc":"Download your signed closing package, final Closing Disclosure, and Notice of Right to Cancel.","bsharedB.downloadZip":"Download ZIP","bsharedB.leaveAReview":"Leave a Review","bsharedB.reviewDesc":"How was your experience? A quick rating helps your broker and helps future borrowers.","bsharedB.rateExperience":"Rate experience","bsharedB.questionsAskVera":"Questions about your new mortgage? Ask Breeze below ↓","bsharedB.exportMyData":"Export my data","bsharedB.exportMyDataDesc":"We'll prepare a machine-readable copy of every row tied to your account and email it to you.","bsharedB.requestFiled":"Request filed","bsharedB.requestExport":"Request export","bsharedB.deleteMyAccount":"Delete my account","bsharedB.deleteMyAccountDesc":"Removes your account, your saved 1003 drafts, your documents, and your preferences. Some loan history must be retained for HMDA / BSA / Reg B compliance — we'll keep those records but anonymize them where allowed.","bsharedB.requestDeletion":"Request deletion","bsharedB.deletionConfirmWarning":"You're about to file a CCPA / GDPR deletion request. We'll process within 45 days and confirm by email. Active loans cannot be deleted until they reach a terminal status.","bsharedB.reasonOptional":"Reason (optional)","bsharedB.reasonPlaceholder":"Helps us improve.","bsharedB.confirmDeletionRequest":"Confirm deletion request","bsharedB.requestFiledAt":"Request filed {date}. We'll email you when processing is complete (within 45 days).","bsharedB.pullingInsightsFor":"Pulling property insights for {street}…","bsharedB.noPublicData":"No public data found for this address.","bsharedB.noPublicDataBody":"Coverage is uneven outside major markets — this won't affect your application. Your broker will pull comps + a real appraisal during processing.","bsharedB.propertyInsights":"Property insights","bsharedB.stubDataTitle":"Stub data — pending Zillow Bridge Interactive partnership","bsharedB.estimate":"Estimate","bsharedB.estimatedValue":"Estimated value","bsharedB.rangeLabel":"Range:","bsharedB.factBuilt":"Built","bsharedB.factSqFt":"Sq ft","bsharedB.factBeds":"Beds","bsharedB.factBaths":"Baths","bsharedB.annualPropertyTax":"Annual property tax","bsharedB.percentOfValue":"{pct}% of value","bsharedB.perMoShort":"/mo","bsharedB.confirmAtClosing":"Confirm at closing","bsharedB.none":"None","bsharedB.noHoaExpected":"No HOA expected","bsharedB.nearbySchools":"Nearby schools","bsharedB.schoolGradeDistance":"{grade} \xb7 {miles} mi","bsharedB.recentlySoldNearby":"Recently sold nearby","bsharedB.compDetail":"{bd} bd \xb7 {ba} ba \xb7 {sqft} sqft \xb7 sold {date}","bsharedB.pushOnTitle":"Push notifications on.","bsharedB.pushOnDesc":"You'll get a ping when there's a new disclosure or document update.","bsharedB.turnOff":"Turn off","bsharedB.pushEnableDesc":"Disclosures, doc verifications, and condition updates — straight to your phone or laptop.","bsharedB.enabling":"Enabling…","bsharedB.enable":"Enable","bsharedB.dismiss":"Dismiss","bsharedB.closeNotificationPrompt":"Close notification prompt","bsharedB.getInstantUpdates":"Get instant loan updates","bsharedB.pushPromptDesc":"We'll only ping you for stuff that matters: rate locks, signature requests, and condition clears. No spam.","bsharedB.notNow":"Not now","bsharedB.asking":"Asking…","bsharedB.turnOn":"Turn on","bsharedB.pwaAddToHomeScreen":"Add to home screen","bsharedB.pwaInstallBorrowerTitle":"Install Unified Loan System on your phone","bsharedB.pwaInstallBorrowerDesc":"Get instant updates on your loan + faster access — no app store required.","bsharedB.pwaIosTitle":"Add Unified Loan System to your Home Screen","bsharedB.pwaIosBorrowerDesc":"iPhone needs three quick taps from the Share menu.","bsharedB.pwaInstallBrokerTitle":"Run your pipeline from your phone","bsharedB.pwaInstallBrokerDesc":"Pipeline alerts, Breeze chat, and one-tap loan locks — all in a fast, app-like home-screen install.","bsharedB.pwaIosBrokerDesc":"iPhone needs three quick taps from the Share menu — then your pipeline lives one tap away.","bsharedB.dismissInstallBanner":"Dism

1iss install banner","bsharedB.install":"Install","bsharedB.pwaStep1Tap":"Tap","bsharedB.pwaShare":"Share","bsharedB.pwaStep1After":"in the Safari toolbar.","bsharedB.pwaStep2Before":"Scroll down → tap","bsharedB.pwaAddToHomeScreenBold":"Add to Home Screen","bsharedB.pwaStep3Before":"Tap","bsharedB.pwaAddBold":"Add","bsharedB.pwaStep3After":"in the top-right.","bsharedB.gotIt":"Got it","bsharedB.comparingRate":"Comparing your rate to the market…","bsharedB.lockedItIn":"Locked it in","bsharedB.youBeatMarket":"You beat the market","bsharedB.yourRate":"Your rate","bsharedB.marketAvg":"Market avg","bsharedB.youSaved":"You saved","bsharedB.lifetimeSavingsBefore":"Over the typical 7-year hold, that's about","bsharedB.lifetimeSavingsAfter":"in interest you keep instead of paying. Nice work on shopping the rate.","bsharedB.replayDashboardTour":"Replay the dashboard tour","bsharedB.replayTour":"replay tour","bsharedB.bandStrong":"Strong","bsharedB.bandStrongSub":"Your file looks great — you should qualify with most lenders.","bsharedB.bandLikely":"Likely","bsharedB.bandLikelySub":"Most lenders should approve this file. Tighten the weak spots below to expand options.","bsharedB.bandBorderline":"Borderline","bsharedB.bandBorderlineSub":"On the edge. Some lenders will say yes, but pricing may take a hit.","bsharedB.bandUnlikely":"Unlikely","bsharedB.bandUnlikelySub":"A traditional approval is unlikely without addressing the items below.","bsharedB.preQualFailed":"Pre-qual failed","bsharedB.loadingPreQual":"Loading your pre-qual…","bsharedB.preQualNoCredit":"Get pre-qual without affecting your credit","bsharedB.connectBankFirstDesc":"Connect your bank with Plaid first. We use bank-derived signals — no tri-merge bureau pull, no FICO impact.","bsharedB.softPreQual":"Soft pre-qual","bsharedB.whereScoreFrom":"Where your score is coming from","bsharedB.factorCredit":"Your credit","bsharedB.factorDownPayment":"Down payment","bsharedB.factorMonthlyDebts":"Monthly debts","bsharedB.factorSavingsJob":"Savings & job history","bsharedB.factorLoanProfile":"Loan profile","bsharedB.factorUnderwriting":"Underwriting checks","bsharedB.whatsWorking":"What's working for you","bsharedB.whatToTighten":"What to tighten up","bsharedB.bankDerivedFallback":"Bank-derived (fallback)","bsharedB.refreshingPreQual":"Refreshing pre-qual…","bsharedB.refreshPreQual":"Refresh pre-qual","bsharedB.refreshing":"Refreshing…","bsharedB.preQualCtaDesc":"See where you stand without a hard credit pull. We pull a Plaid Check Consumer Report (bank-derived signals + cashflow) and run our approval predictor.","bsharedB.preQualFinePrint":"No FICO impact \xb7 ~10 seconds \xb7 Powered by Plaid Check","bsharedB.bucketInProgress":"In progress","bsharedB.bucketInProgressSub":"Things actively being worked on by your broker, the lender, or a vendor.","bsharedB.bucketInProgressEmpty":"Nothing in progress right now.","bsharedB.bucketComplete":"Complete","bsharedB.bucketCompleteSub":"Items that are signed off and don't need anything from you.","bsharedB.bucketCompleteEmpty":"No completed items yet — early in the process.","bsharedB.bucketNeedsAttention":"Needs attention","bsharedB.bucketNeedsAttentionSub":"Items waiting on you or stuck. Click any to jump to where you can resolve it.","bsharedB.bucketNeedsAttentionEmpty":"You're fully caught up. No outstanding action items.","bsharedB.closeButton":"Close","bsharedB.openDays":"Open {days}d","bsharedB.daysOverdue":"{days}d overdue","bsharedB.dueInDays":"Due in {days}d","bsharedB.eta":"ETA {eta}","bsharedB.integrityLabTitle":"Integrity Lab: Action Required","bsharedB.integrityLabIntro":"Our AI integrity engine has identified a few items that need your attention to move your loan to clear-to-close. Resolve these stipulations below for autonomous approval.","bsharedB.pendingActions":"{count} Pending Actions","bsharedB.resolvedCount":"{count} Resolved","bsharedB.requiredProof":"Required Proof","bsharedB.refLabel":"Ref: {ref}","bsharedB.aiGeneratedStipulation":"AI-Generated Stipulation","bsharedB.allSystemsClear":"All Systems Clear","bsharedB.noPendingIntegrity":"No pending integrity conditions. Your application is proceeding to final funding.","bsharedB.resolutionStage":"Resolution Stage","bsharedB.underwriterGuidance":"Underwriter Guidance","bsharedB.guidanceBefore":"Please provide","bsharedB.guidanceBold":"clear, unmodified","bsharedB.guidanceAfter":"originals. Holographic glare or obscured margins will trigger AI re-rejection.","bsharedB.uploadProofFor":"Upload Proof for: {type}","bsharedB.resolveCondition":"Resolve Condition","bsharedB.selectConditionToResolve":"Select a condition to resolve","bsharedB.autonomousReview":"Autonomous Review","bsharedB.autonomousReviewDesc":"Our Neural Integrity Engine will audit your re-upload instantly. Most conditions clear within 60 seconds of submission.","bsharedB.reviewingFile":"Reviewing your file…","bsharedB.unableToLoadInsights":"Unable to load file insights.","bsharedB.tryAgain":"Try again","bsharedB.fileLo

1oksClean":"Your file looks clean","bsharedB.reviewedDocClean":"Reviewed {count} document — nothing flagged for you to act on right now.","bsharedB.reviewedDocsClean":"Reviewed {count} documents — nothing flagged for you to act on right now.","bsharedB.noDocsYet":"No documents to review yet. Upload pay stubs, bank statements, etc. to get started.","bsharedB.fileReview":"File Review","bsharedB.thingsToKnow":"Things to know about your file","bsharedB.fromDocReviewed":"From {count} document we've already reviewed.","bsharedB.fromDocsReviewed":"From {count} documents we've already reviewed.","bsharedB.needAttentionNow":"{count} needs attention now.","bsharedB.needAttentionNowPlural":"{count} need attention now.","bsharedB.itemFlagged":"{count} item flagged.","bsharedB.itemsFlagged":"{count} items flagged.","bsharedB.showLess":"Show less","bsharedB.showMore":"Show {count} more","bsharedB.nextStepLabel":"Next step:","bsharedB.uploadNow":"Upload now","bsharedB.whatToBring":"What to bring","bsharedB.readyCount":"{done}/{total} ready","bsharedB.required":"Required","bsharedB.addedByBroker":"Added by your broker","bsharedB.allItemsReady":"All items ready — you're set for closing day!","bsharedB.dismissBanner":"Dismiss banner","bsharedB.wireFraudEyebrow":"Wire fraud — read this before sending money","bsharedB.alwaysVerifyByPhone":"Always verify wire instructions by phone","bsharedB.wireNever":"Never","bsharedB.wireBullet1":"trust wire instructions from email — even if it looks like your broker or escrow officer. Email is the #1 wire-fraud vector.","bsharedB.wireAlways":"Always","bsharedB.wireBullet2":"call to verify before wiring. Use a phone number from a separate source (this portal, your prior loan paperwork, or the broker's website — not the number in the email).","bsharedB.wireBullet3Before":"Wire instructions","bsharedB.wireChangeRarely":"change rarely","bsharedB.wireBullet3After":'. If you receive a "last-minute update" telling you to send funds elsewhere, treat it as fraud until verified.',"bsharedB.callBrokerToVerify":"Call broker to verify ({phone})","w3legal.questionsContact":"Questions? Contact us at","w3legal.dpaEffective":"Effective 2026-05-06.","w3legal.dpaTocScope":"1. Scope","w3legal.dpaTocDefinitions":"2. Definitions","w3legal.dpaTocRoles":"3. Roles of the Parties","w3legal.dpaTocInstructions":"4. Processing Instructions","w3legal.dpaTocConfidentiality":"5. Confidentiality","w3legal.dpaTocSecurityMeasures":"6. Security Measures","w3legal.dpaTocSubProcessors":"7. Sub-Processors","w3legal.dpaTocPlaidFlowdown":"8. Plaid Flow-Down Terms","w3legal.dpaTocDsr":"9. Data Subject Requests","w3legal.dpaTocIncidents":"10. Security Incidents","w3legal.dpaTocAudits":"11. Audits","w3legal.dpaTocReturnDeletion":"12. Data Return and Deletion","w3legal.dpaTocTransfers":"13. International Transfers","w3legal.dpaTocLiability":"14. Liability","w3legal.dpaScopeBody":"This Data Processing Agreement (the “DPA”) supplements the Master SaaS Agreement between Unified Loan System and Customer (the “MSA”) and governs Unified Loan System’s processing of personal information on Customer’s behalf in connection with the Service. Capitalized terms not defined here have the meaning given in the MSA. In the event of a conflict between this DPA and the MSA with respect to data protection, this DPA controls.","w3legal.dpaDefinitionsBody":"“Borrower NPI” means non-public personal information about a consumer as defined under the Gramm-Leach-Bliley Act (15 U.S.C. \xa7 6809) and Regulation P, including names, Social Security numbers, dates of birth, financial account numbers, asset and income data, and consumer credit information. “Process” has the meaning given in 15 U.S.C. \xa7 6809 and applicable state consumer-privacy laws.","w3legal.dpaRolesBody":"With respect to Borrower NPI submitted to the Service, Customer is the data controller (or, where applicable, the “business” under California consumer-privacy law) and Unified Loan System is the data processor (or “service provider”). Unified Loan System will Process Borrower NPI only on documented instructions from Customer, including instructions reflected in the configuration of the Service.","w3legal.dpaInstructionsBody":"Customer instructs Unified Loan System to Process Borrower NPI as necessary to (a) provide and maintain the Service; (b) prevent, detect, and respond to security incidents and fraud; (c) comply with Unified Loan System’s legal obligations; and (d) carry out tasks Customer expressly initiates within the Service (such as document classification, e-signature delivery, lender submission, and Plaid-mediated bank verification). Unified Loan System will not Sell or Share Borrower NPI as those terms are defined under the California Consumer Privacy Act.","w3legal.dpaConfidentialityBody":"Unified Loan System will require all personnel authorized to Process Borrower NPI to be subject to a duty of confidentiality and to receive appropriate training on the handling of Borrower NPI.","w3legal.dpaSecurityIntro":"Unified Loan System implements and maintains technical and organizational measures designed to protect Borrower NPI against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. Specifically:","w3legal.dpaSecurityItem1":"Encryption in transit (TLS 1.2 or higher) and at rest for borrower data stores.","w3legal.dpaSecurityItem2":"Role-based access controls;

1 per-broker tenancy isolation enforced at the application layer.","w3legal.dpaSecurityItem3":"Multi-factor authentication, session liveness re-checks, device-binding alerts, and phishing-resistant passkeys for high-value flows (Plaid, sensitive document downloads).","w3legal.dpaSecurityItem4":"Automated audit logging of access to Borrower NPI, including data export and disclosure-related events, retained for the period required by applicable law.","w3legal.dpaSecurityItem5":"Regular vulnerability monitoring, dependency-update review, and breach-notification procedures.","w3legal.dpaSubProcessorsBefore":"Unified Loan System engages sub-processors to provide the Service, including infrastructure, cloud storage, identity verification, vision OCR, e-signature, transactional email, and bank-data aggregation services. Customer authorizes Unified Loan System’s use of the sub-processors listed at","w3legal.dpaSubProcessorsAfter":"Unified Loan System will impose contractual data-protection obligations on each sub-processor that are no less protective than those set out in this DPA.","w3legal.dpaPlaidFlowdownBody":"The Service integrates with Plaid, Inc. for borrower-permissioned bank-data and identity verification. Customer’s use of Plaid features is additionally subject to the Plaid End User Privacy Policy and Plaid’s flow-down customer terms (the “Plaid Flow-Down Terms”). Customer must accept the Plaid Flow-Down Terms inside the Unified Loan System console before any Plaid feature is enabled. Customer’s Plaid Flow-Down Terms acceptance is recorded with the version, timestamp, IP, and user agent for audit replay.","w3legal.dpaDsrBody":"Unified Loan System will provide reasonable assistance to enable Customer to fulfill Customer’s obligations to respond to data-subject requests (including borrower requests to access, correct, delete, or export their information). Customer is responsible for verifying the identity of requesters and for the underlying decision whether to grant the request.","w3legal.dpaIncidentsBody":"Unified Loan System will notify Customer without undue delay after becoming aware of a confirmed Security Incident affecting Borrower NPI Processed under this DPA, and will provide information reasonably needed for Customer to meet its own notification obligations under applicable law.","w3legal.dpaAuditsBody":"Once per year, on at least thirty (30) days’ written notice, Customer (or an independent auditor of Customer’s choosing, subject to confidentiality) may audit Unified Loan System’s compliance with this DPA. Unified Loan System may satisfy this obligation by providing recent third-party audit reports (e.g., SOC 2 Type II or equivalent) when available.","w3legal.dpaReturnDeletionBody":"Upon termination of the MSA, Customer may request return of its Borrower NPI in a portable format. Unified Loan System will delete or anonymize Borrower NPI within ninety (90) days of termination, unless retention is required by applicable law or for the establishment, exercise, or defense of legal claims.","w3legal.dpaTransfersBody":"Unified Loan System Processes Borrower NPI in the United States. Unified Loan System does not transfer Borrower NPI outside the United States without Customer’s prior written consent.","w3legal.dpaLiabilityBody":"The limitations of liability set out in the MSA apply to this DPA. Each party’s liability under this DPA is subject to those limitations.","w3legal.msaEffective":"Effective 2026-05-06.","w3legal.msaTocPartiesScope":"1. Parties and Scope","w3legal.msaTocEligibility":"2. Customer Eligibility","w3legal.msaTocLicenseGrant":"3. License Grant","w3legal.msaTocCustomerResponsibilities":"4. Customer Responsibilities","w3legal.msaTocOnboarding":"5. Onboarding and License Verification","w3legal.msaTocThirdParty":"6. Third-Party Services","w3legal.msaTocFees":"7. Fees and Payment","w3legal.msaTocDataOwnership":"8. Data Ownership and Use","w3legal.msaTocConfidentiality":"9. Confidentiality","w3legal.msaTocWarranties":"10. Warranties; Disclaimers","w3legal.msaTocLiability":"11. Limitation of Liability","w3legal.msaTocIndemnification":"12. Indemnification","w3legal.msaTocTerm":"13. Term; Termination","w3legal.msaTocGoverningLaw":"14. Governing Law","w3legal.msaTocEntireAgreement":"15. Entire Agreement; Updates","w3legal.msaPartiesScopeBody":"This Master SaaS Agreement (the “Agreement”) is between California Mortgage Solutions, Inc., a California corporation operating under the trade name Unified Loan System (“Unified Loan System”, “we”, or “us”), and the business entity that registers a Broker Console workspace (“Customer” or “you”). It governs your access to and use of the Unified Loan System Broker Console software-as-a-service platform (the “Service”).","w3legal.msaEligibilityBo

1dy":"The Service is offered exclusively to mortgage brokers, mortgage loan originators, and mortgage broker entities that hold an active license issued under the federal Nationwide Mortgage Licensing System (“NMLS”) and the corresponding state authorities. By accepting this Agreement you represent and warrant that (a) you hold a current, active NMLS license to originate residential mortgage loans, (b) all corporate and identity information you provide (including legal business name, corporate address, EIN, and NMLS ID) is accurate, and (c) you are authorized to bind your business entity to this Agreement.","w3legal.msaLicenseGrantBody":"Subject to your continued compliance with this Agreement, Unified Loan System grants you a non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes during the term. You may not (a) sublicense, resell, or commercially exploit the Service; (b) reverse-engineer or attempt to derive the source code; (c) circumvent any technical limitation, rate limit, or security control; or (d) use the Service to violate any law, regulation, or third-party right.","w3legal.msaCustomerResponsibilitiesBody":"You are solely responsible for (a) the accuracy and lawfulness of any data you submit to the Service, including borrower information; (b) obtaining all required consents from your borrowers before submitting their non-public personal information (“NPI”) to the Service; (c) the confidentiality of your account credentials and the actions of your authorized users; (d) compliance with all federal and state mortgage lending laws applicable to your business, including TILA, RESPA, ECOA, the SAFE Act, and state-specific predatory lending statutes; and (e) maintaining a current, active NMLS license in every state in which you originate loans through the Service.","w3legal.msaOnboardingBody":"Before being granted production access, you will be required to (a) provide your legal business name, corporate address, EIN, and federal NMLS ID; (b) execute this Agreement and the Data Processing Agreement (the “DPA”); and (c) pass a license-status review. Unified Loan System performs ongoing, automated re-checks of NMLS license status. If your license becomes inactive, expired, suspended, revoked, or otherwise non-active for any reason, your workspace will be automatically frozen and access to all Service features (including third-party integrations such as Plaid) will be suspended until license status is restored.","w3legal.msaThirdPartyBody":"The Service relies on third-party providers including Plaid, Inc., Resend, AWS, OpenAI, Anthropic, and others (collectively, “Third-Party Services”). Use of features that integrate with Third-Party Services is subject to the applicable third-party terms, including any flow-down terms passed through under the DPA. Unified Loan System makes no warranty regarding Third-Party Services and is not responsible for their availability, accuracy, or actions.","w3legal.msaFeesBody":"Subscription fees, metered pass-through charges, and any applicable usage-based fees are described on the pricing page or in the order form executed at signup. Fees are due in advance for the subscription period and on a usage-billed basis for metered features. Unified Loan System may suspend Service for non-payment after thirty (30) days’ notice.","w3legal.msaDataOwnershipBody":"You retain all right, title, and interest in your customer data and any data you submit to the Service. You grant Unified Loan System a limited license to process this data solely as necessary to provide the Service and as further described in the DPA. Unified Loan System will not sell, rent, or disclose your data except as required by law or as expressly permitted in the DPA.","w3legal.msaConfidentialityBody":"Each party agrees to (a) protect the other’s Confidential Information using at least the same standard of care it uses to protect its own Confidential Information of similar importance, and not less than reasonable care; and (b) not use Confidential Information except as necessary to perform under this Agreement.","w3legal.msaWarrantiesBody":"Unified Loan System warrants that the Service will substantially conform to the published documentation. EXCEPT FOR THE EXPRESS WARRANTIES IN THIS SECTION, THE SERVICE IS PROVIDED “AS IS” AND UNIFIED LOAN SYSTEM DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.","w3legal.msaLiabilityBo

1dy":"TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR INDIRECT, CONSEQUENTIAL, INCIDENTAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR LOST DATA. EACH PARTY’S AGGREGATE LIABILITY UNDER THIS AGREEMENT WILL NOT EXCEED THE FEES PAID OR PAYABLE BY CUSTOMER TO UNIFIED LOAN SYSTEM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.","w3legal.msaIndemnificationBody":"You will defend and indemnify Unified Loan System against any third-party claim arising from (a) your violation of this Agreement, (b) your violation of any law or regulation, (c) the data you submit to the Service, or (d) your origination, processing, or closing of any loan. Unified Loan System will defend you against any third-party claim that the Service, as provided by Unified Loan System, infringes a U.S. intellectual-property right of a third party.","w3legal.msaTermBody":"This Agreement begins when you accept it and continues until terminated. Either party may terminate for material breach if the breach is not cured within thirty (30) days of written notice. Unified Loan System may suspend or terminate immediately upon a freeze event under Section 5, a violation of Section 4, or a credible compliance or security incident.","w3legal.msaGoverningLawBody":"This Agreement is governed by the laws of the State of California, without regard to conflict-of-laws principles. The parties consent to the exclusive jurisdiction of the state and federal courts located in San Luis Obispo County, California.","w3legal.msaEntireAgreementBody":"This Agreement, together with the DPA, constitutes the entire agreement between the parties regarding the Service and supersedes all prior agreements. Unified Loan System may update this Agreement from time to time; updates will be communicated by posting the new version with a new version identifier and effective date. Your continued use of the Service after the effective date constitutes acceptance of the updated Agreement.","w3legal.subProcessorsEyebrow":"Unified Loan System \xb7 Legal \xb7 Sub-processors","w3legal.subProcessorsTitle":"Third-Party Sub-Processors","w3legal.subProcessorsLastUpdated":"Last updated 2026-05-07.","w3legal.subProcessorsIntro1Before":"The third parties listed below are authorized sub-processors that may Process Borrower NPI on behalf of Unified Loan System customers, in connection with the operation of the Service. We impose contractual data-protection obligations on each sub-processor that are no less protective than those set out in our","w3legal.subProcessorsIntro2":"We will provide notice of any new sub-processor that handles Borrower NPI before authorizing them to do so. Customers may object to a new sub-processor in writing within thirty (30) days of notice; if we cannot reasonably accommodate the objection, the customer may terminate the affected portion of the Service.","w3legal.subProcessorsTheirDpa":"Their DPA →","w3legal.subProcessorsColPurpose":"Purpose","w3legal.subProcessorsColLocation":"Location","w3legal.subProcessorsColDataCategories":"Data categories","w3legal.unsubCatMarketingLabel":"Marketing emails","w3legal.unsubCatMarketingDesc":"Campaign emails, promotions, and newsletters","w3legal.unsubCatTransactionalLabel":"Transactional emails","w3legal.unsubCatTransactionalDesc":"Loan status updates, document notifications","w3legal.unsubCatUpdatesLabel":"Product updates","w3legal.unsubCatUpdatesDesc":"Feature announcements and platform news","w3legal.unsubInvalidLink":"Invalid link.","w3legal.unsubCouldNotVerify":"Could not verify your unsubscribe link.","w3legal.unsubSelectCategory":"Check the box above to confirm your opt-out.","w3legal.unsubSomethingWrong":"Something went wrong.","w3legal.unsubNetworkError":"Network error. Please try again.","w3legal.unsubInvalidTitle":"Invalid Unsubscribe Link","w3legal.unsubInvalidBody":"This unsubscribe link is invalid or has expired. Please use the link from your most recent email.","w3legal.unsubVerifying":"Verifying your link...","w3legal.unsubSuccessTitle":"Preferences Updated","w3legal.unsubSuccessBody":"Your email preferences have been saved. You will no longer receive emails for the selected categories.","w3legal.unsubSuccessNote":"Changes may take up to 24 hours to fully take effect.","w3legal.unsubFormTitle":"Email Preferences","w3legal.unsubFormManage":"Manage which emails you receive from us. Unsubscribing from","w3legal.unsubAllTitle":"Unsubscribe from marketing email","w3legal.unsubAllDesc":"Messages about your loan — status updates, document requests and other service notices — will still be delivered.","w3legal.unsubChooseCategories":"Or choose specific categories:","w3legal.unsubReasonLabel":"Reason (optional)","w3legal.unsubReasonPlaceholder":"Let us know why you're unsubscribing...","w3legal.unsubSaving":"Saving...","w3legal.unsubUpdate":"Update Preferences","w3legal.unsubCanSpam":"CAN-SPAM compliant. Your request will be processed within 10 business days.","w3legal.unsubLoading":"Loading...","w3legal.glbaTitle":"GLBA Safeguards Information Security Policy","w3legal.glbaEffective":"Effective 2026-05-16.","w3legal.glbaTocScope":"1. Scope and Applicable Law","w3legal.glbaTocQualifiedIndividual":"2. Qualified Indiv

1idual","w3legal.glbaTocRiskAssessment":"3. Risk Assessment","w3legal.glbaTocAccessControls":"4. Access Controls","w3legal.glbaTocInventory":"5. Information Inventory","w3legal.glbaTocEncryption":"6. Encryption","w3legal.glbaTocSecureDevelopment":"7. Secure Development","w3legal.glbaTocMfa":"8. Multi-Factor Authentication","w3legal.glbaTocDisposal":"9. Disposal of Information","w3legal.glbaTocChangeManagement":"10. Change Management","w3legal.glbaTocMonitoring":"11. Monitoring and Logging","w3legal.glbaTocTraining":"12. Personnel Training","w3legal.glbaTocServiceProviders":"13. Service Provider Oversight","w3legal.glbaTocEvaluation":"14. Periodic Evaluation","w3legal.glbaTocIncidentResponse":"15. Incident Response","w3legal.glbaTocReporting":"16. Annual Reporting","w3legal.glbaScopeBody":"This Information Security Policy (the “Policy”) implements Unified Loan System’s comprehensive written information security program required by the Federal Trade Commission’s Safeguards Rule under the Gramm-Leach-Bliley Act, 16 C.F.R. Part 314 (the “Safeguards Rule”). It applies to all nonpublic personal information (“NPI”) that Unified Loan System Processes on behalf of its broker tenants in connection with the Service. Each broker tenant is a “financial institution” under the Safeguards Rule and is responsible for its own written information security program; this Policy governs the platform layer of NPI protection.","w3legal.glbaQualifiedIndividualBody":"Unified Loan System designates a Qualified Individual responsible for overseeing, implementing, and enforcing this Policy. The Qualified Individual reports periodically to Unified Loan System’s governing body (the founder, in the case of a single-member entity) on the status of the security program. As of the effective date, the Qualified Individual is Unified Loan System’s founder; this responsibility may be reassigned in writing.","w3legal.glbaRiskAssessmentBody":"Unified Loan System performs and documents a written risk assessment at least annually, and whenever a material change in operations could affect the security of NPI. The assessment identifies reasonably foreseeable internal and external risks to the security, confidentiality, and integrity of NPI; evaluates the sufficiency of safeguards in place to control those risks; and is used to revise this Policy as needed. Risk-assessment results are retained for at least five (5) years.","w3legal.glbaAccessControlsBody":"Access to NPI is restricted on a least-privilege, need-to-know basis. Production access requires authenticated identity (SSO or hardware-key-backed credentials), authorization explicitly granted by the Qualified Individual, and time-bound elevation for sensitive operations. Tenant-level isolation in the platform ensures that personnel of one broker tenant cannot access another tenant’s NPI. Access privileges are reviewed at least every six (6) months and revoked upon role change or separation.","w3legal.glbaInventoryBody":"Unified Loan System maintains an inventory of systems that Collect, Store, Process, Transmit, or Dispose of NPI. The inventory identifies the system, the categories of NPI handled, the data flow, retention class, and the responsible owner. The inventory is reviewed at least annually and updated upon material change.","w3legal.glbaEncryptionBody":"NPI is encrypted in transit and at rest using industry-standard algorithms (TLS 1.2 or higher for transit; AES-256 or equivalent for rest). Encryption keys are managed via the cloud provider’s managed key service with access logged and audited. Where encryption of particular data fields is infeasible, the Qualified Individual approves and documents the use of effective alternative compensating controls in writing.","w3legal.glbaSecureDevelopmentBody":"Software development follows secure-coding practices, including code review, static analysis, dependency-vulnerability scanning, and pre-deployment testing. Production deployments are version-controlled, reviewed, and signed off. Third-party libraries are inventoried and monitored for advisories.","w3legal.glbaMfaBody":"Multi-factor authentication is required for any individual accessing NPI on behalf of Unified Loan System, except where the Qualified Indiv

1idual approves and documents the use of reasonably equivalent or more secure access controls in writing. Hardware-key-backed authentication is required for production-system administrative access.","w3legal.glbaDisposalBody":"NPI is securely disposed of no later than two (2) years after the last date the information was used in connection with the Service, unless required to be retained by applicable law, legitimate business need, or as otherwise agreed in the MSA or DPA. Disposal procedures render the information unreadable, indecipherable, and unable to be reconstructed.","w3legal.glbaChangeManagementBody":"Material changes to the platform’s information systems are evaluated against this Policy before deployment. Changes to NPI-handling components require approval by the Qualified Individual. Production changes are version-controlled with attribution, timestamp, and a reversion path.","w3legal.glbaMonitoringBody":"Unified Loan System monitors the activity of users authorized to access NPI and logs key security and access events. Logs are retained for at least one (1) year and reviewed periodically by the Qualified Individual for anomalies. The Service maintains audit trails of NPI-accessing operations at the broker-tenant level so that tenants can respond to their own regulatory inquiries.","w3legal.glbaTrainingBody":"All Unified Loan System personnel with access to NPI receive security-awareness training at the time of hire and annually thereafter. The Qualified Individual evaluates the adequacy and currency of training in light of evolving risks.","w3legal.glbaServiceProvidersBody":"Unified Loan System selects service providers capable of maintaining appropriate safeguards for NPI; requires service providers by contract to implement and maintain such safeguards; and periodically assesses service providers based on the risk they present and the continued adequacy of their safeguards. A current list of subprocessors is maintained at","w3legal.glbaEvaluationBody":"The Qualified Individual evaluates this Policy at least annually, and upon material change to the platform’s operations or the threat environment. Adjustments are documented and communicated to relevant personnel.","w3legal.glbaIncidentResponseBody":"Unified Loan System maintains a written incident-response plan with the following components: internal response process; roles and responsibilities; external and internal communications; documentation and reporting requirements; and post-incident evaluation and remediation. Following a Security Incident affecting NPI, Unified Loan System notifies affected broker tenants as required by the DPA without undue delay, and supports tenants in their downstream regulatory and borrower notification obligations.","w3legal.glbaReportingBody":"The Qualified Individual prepares a written report at least annually to the governing body of Unified Loan System, covering: the overall status of the information security program; material matters relating to the program (including risk assessment, results of testing and monitoring, security events, recommendations for changes to the program); and any service-provider arrangements requiring attention.","w3legal.smsEntityLine":"Unified Loan System, a DBA of California Mortgage Solutions, Inc. \xa0\xb7\xa0 Last updated: June 9, 2026.","w3legal.smsOptInTitle":"SMS Opt-In & Consent","w3legal.smsOptInIntroBefore":"This is the SMS opt-in presented to borrowers during account signup at","w3legal.smsOptInIntroMiddle":"— on the final “Review & accept” step, directly below the phone-number field — and in the loan application (Step 10, “Disclosures & Consent”). Consent to receive text messages is","w3legal.smsOptInOptional":"optional","w3legal.smsOptInIntroComma":", the boxes are","w3legal.smsOptInUnchecked":"unchecked by default","w3legal.smsOptInIntroAnd":", and it is","w3legal.smsOptInNotRequired":"not required","w3legal.smsOptInIntroAfter":"to create an account or use the service.","w3legal.smsOptInAgreeHeading":"What you are agreeing to","w3legal.smsOptInAgreeBody1":"When you provide your mobile number during account signup (or in y

1our loan application) and check one or more of these boxes, you agree to receive recurring transactional SMS text messages from Unified Loan System (California Mortgage Solutions, Inc.) for the categories you select — for example one-time security/login codes, loan-status updates, and document, closing & e-sign reminders.","w3legal.smsOptInAgreeBody2Before":"Message frequency varies by category and by activity on your loan file (typically 2–15 messages per month per category).","w3legal.smsOptInReplyBefore":"Reply","w3legal.smsOptInReplyHelp":"for help or","w3legal.smsOptInReplyAfter":"to cancel at any time. Carriers are not liable for delayed or undelivered messages. We do not send marketing or promotional texts, and we never sell, rent, or share your mobile number or SMS opt-in data with third parties.","w3legal.smsFullTerms":"Full SMS Terms","w3legal.smsRatesMayApply":"Message and data rates may apply.","w3legal.smsTermsTitle":"SMS Communications Terms","w3legal.smsTermsTocWhoSends":"1. Who Sends These Messages","w3legal.smsTermsTocCategories":"2. Message Categories","w3legal.smsTermsTocOptIn":"3. How You Opt In","w3legal.smsTermsTocFrequency":"4. Message Frequency","w3legal.smsTermsTocOptOut":"5. Opt-Out and Help Keywords","w3legal.smsTermsTocRates":"6. Message and Data Rates","w3legal.smsTermsTocCarriers":"7. Supported Carriers and Delivery","w3legal.smsTermsTocPrivacy":"8. Privacy","w3legal.smsTermsTocChanges":"9. Changes to These Terms","w3legal.smsTermsTocContact":"10. Contact","w3legal.smsWhoSendsBody":"SMS messages from Unified Loan System are sent by California Mortgage Solutions, Inc. (operating under the trade name “Unified Loan System”), a California-licensed mortgage brokerage. Messages originate from telephone numbers that have been registered and verified with our telecommunications provider, Twilio Inc.","w3legal.smsCategoriesIntro":"Unified Loan System runs three independent SMS programs. Each requires its own affirmative opt-in captured at account signup or in your loan application. You can opt into any combination of them (or none).","w3legal.smsCategoriesItem1Label":"Security & authentication messages.","w3legal.smsCategoriesItem1Body":"2FA codes, account-security alerts, and security messages. Typical frequency: 5-10 messages per month.","w3legal.smsCategoriesItem2Label":"Loan status & operational updates.","w3legal.smsCategoriesItem2Body":"Loan-status notifications, document requests, and lender communications about your active loan file. Typical frequency: 5-15 messages per month.","w3legal.smsCategoriesItem3Label":"Document, closing & e-sign reminders.","w3legal.smsCategoriesItem3Body":"E-sign requests, closing date reminders, and document-signing notifications. Typical frequency: 2-8 messages per month.","w3legal.smsCategoriesIndependentBefore":"Each program is independent. Texting","w3legal.smsCategoriesIndependentAfter":"revokes all three at once, and the SMS toggle in Settings → Notifications pauses all text messages to your number. To change a single category, contact","w3legal.smsCategoriesBroker":"Broker accounts have analogous optional categories, captured the same way at broker registration: security & authentication (5-10/month), workspace & pipeline activity (10-25/month), and account & document activity (2-8/month).","w3legal.smsCategoriesNoMarketingLabel":"We do not send marketing or promotional SMS.","w3legal.smsCategoriesNoMarketingBody":"We do not share your phone number with third parties or affiliates for their own marketing purposes.","w3legal.smsOptInIntro":"You only receive SMS from Unified Loan System after explicit, affirmative opt-in. Opt-in is captured in one of the following ways:","w3legal.smsOptInSignupLabel":"During account signup","w3legal.smsOptInAtPrefix":"at","w3legal.smsOptInOr":"or","w3legal.smsOptInSignupAfter":", by checking a consent box that authorizes Unified Loan System to send transactional SMS to the phone number you provide.","w3legal.smsOptInApplyLabel":"During the loan application","w3legal.smsOptInApplyAfter":", Step 10 (“Disclosures & Consent”), where the same three optional category checkboxes appear — each category you check records its own independent SMS consent.","w3legal.smsOptInOtherPurpose":"Phone numbers collected for any other purpose (e.g., contact information for your loan officer) are not enrolled in SMS until you separately opt in.","w3legal.smsFrequencyBody":"Message frequency varies by category. See Section 2 above for the typical per-category ranges (Security & authentication: 5-10/month; Loan status & operational updates: 5-15/month; Document, closing & e-sign reminders: 2-8/month). Your total monthly volume depends on which categories you have opted into and the activity in your loan file. Authentication codes are sent only when you initiate a login or sensitive action.","w3legal.smsOptOutIntro":"You can opt out at any time by replying with any of the following keywords to any SMS you receive from Unified Loan System:","w3legal.smsOptOutAfterStopBefore":"After you send a STOP keyword, you will receive one final confirmation message and no further SMS will be sent to that number until you opt back in. To o

1pt back in, reply with","w3legal.smsOptOutReplyBefore":"Reply","w3legal.smsOptOutReplyMiddle":"at any time for support information, or visit","w3legal.smsOptOutReplyEmail":"You can also email","w3legal.smsOptOutImportantLabel":"Important:","w3legal.smsOptOutImportantBody":"opting out of SMS does not opt you out of email or in-app notifications, and does not affect the underlying loan file. Some authentication flows may require you to use an alternate method (e.g., authenticator app or email code) if SMS is disabled.","w3legal.smsRatesBody":"Unified Loan System does not charge a fee for SMS, but your wireless carrier may charge for messages received or sent depending on your plan. Contact your carrier for details about your plan’s messaging rates.","w3legal.smsCarriersBody":"Unified Loan System supports SMS delivery to all major U.S. wireless carriers, including AT&T, Verizon, T-Mobile, US Cellular, Sprint, Boost Mobile, MetroPCS, and others. Carriers are not liable for delayed or undelivered messages. Delivery of any individual message is not guaranteed.","w3legal.smsPrivacyBefore":"Phone numbers and SMS opt-in status are treated as personal information under our","w3legal.smsPrivacyAfter":"We do not sell, rent, or share phone numbers, opt-in data, or SMS content with third parties for their marketing purposes. Phone numbers are shared only with our SMS delivery provider (Twilio) strictly for the purpose of sending messages you have opted in to receive.","w3legal.smsChangesBody":"We may update these SMS Terms from time to time. Material changes will be reflected in the “Last Updated” date above. Continued enrollment in SMS after changes constitutes acceptance of the updated terms. If we materially change the categories of messages we send, you will receive an in-app or email notice and may need to re-confirm your opt-in.","w3legal.smsContactIntro":"Questions about these SMS Terms or about messages you have received from Unified Loan System:","w3legal.smsContactEmailLabel":"Email:","w3legal.smsContactWebLabel":"Web:","w3legal.smsContactEntity":"Operating entity: California Mortgage Solutions, Inc., San Luis Obispo, CA","w3legal.smsSeeAlsoOur":"See also our","w3info.changelog.eyebrow":"Changelog","w3info.changelog.heroPre":"What's New in","w3info.changelog.heroSub":"Every release, every improvement. We ship fast and document everything.","w3info.changelog.date.may2026":"May 2026","w3info.changelog.date.apr2026":"April 2026","w3info.changelog.tag.major":"Major Release","w3info.changelog.tag.feature":"New Feature","w3info.changelog.tag.infra":"Infrastructure","w3info.changelog.tag.fix":"Bug Fix","w3info.changelog.v32.title":"Tri-Merge Credit Pull + AI Credit Report Analysis","w3info.changelog.v32.item1":"Live tri-merge credit pulls via SoftPro/FactualData with real bureau scores","w3info.changelog.v32.item2":"AI-generated credit narrative surfaced directly in the loan file","w3info.changelog.v32.item3":"Credit dashboard widget with tradeline summary and derogatory flags","w3info.changelog.v32.item4":"Admin AI proxy auth-gate — all AI endpoints now require valid session","w3info.changelog.v31.title":"In-House eSign v1 — Live End-to-End","w3info.changelog.v31.item1":"PAdES-compliant in-house eSign — no per-envelope DocuSign fee","w3info.changelog.v31.item2":"Borrower audit trail: IP, timestamp, signed fields captured per event","w3info.changelog.v31.item3":"Dev signing cert active in production; DigiCert cert path documented for investor flip","w3info.changelog.v31.item4":"PDF.js worker pinned — zero-byte guard on all uploaded documents","w3info.changelog.v31.item5":"Smoke-tested: envelope af503135 signed on loan c7eb5d59","w3info.changelog.v30.title":"Security Hardening — Three-Tier Launch","w3info.changelog.v30.item1":"Account lockout, HIBP breach check, broker MFA, new-device email alerts","w3info.changelog.v30.item2":"Security questions, session IP/UA binding, sensitive-field step-up auth","w3info.changelog.v30.item3":"Passkeys (WebAuthn) via @simplewebauthn — full browser support","w3info.changelog.v30.item4":"Recent Sign-ins dashboard + Sign-out-everywhere + impossible-travel alerts","w3info.changelog.v30.item5":"Idle timeout + admin audit log UI at /admin/audit","w3info.changelog.v29.title":"Plaid Bank Income + ID Scanner","w3info.changelog.v29.item1":"Plaid Link integration — sandbox live, production gated on MSA signature","w3info.changelog.v29.item2":"AAMVA barcode scanner: 3-mode (upload/camera/QR-handoff), 3-tier extraction","w3info.changelog.v29.item3":"Dynamsoft browser-side decode with ZXing server + vision OCR fallback","w3info.changelog.v29.item4":"Plaid Cashflow/Income Insights, Consumer Report, and Identity Match wired","w3info.changelog.v28.title":"Breeze AI Conversation Engine","w3info.changelog.v28.item1":"Breeze reply system: 12 features shipped — smart scheduling, Gmail OAuth, calendar sync","w3info.changelog.v28.item2":"Breeze action cards: 8 action types, gap-aware fix-it cards, 1003 field injection","w3info.changelog.v28.item3":"Conversation history switcher + persistence across sessions","w3info.changelog.v28.item4":"Scenario simulation, voice, and compliance copilot modes","w3info.changelog.v27.title":"Compliance Engine + AUS Findings","w3info.changelog.v27.item1":"ATR, HMDA, OFAC, federal \xa71026.32 high-cost + CA/NY/TX/FL state routing","w3info.changelog.v27.item2":"AUS findings stubs: DU and LP pre-fill with qualifying income/DTI/LTV","w3info.changelog.v27.item3":"MISMO 3.4 export live — lender handoff ready","w3info.changelog.v27.item4":"HMDA LAR exporter + compliance re-compute on every loan edit","w3info.changelog.v26.title":"NAS Document Storage + Borrower Portal","w3info.changelog.v26.item1":"MinIO on Synology NAS via Cloudflare Tunnel — all uploads off-cloud","w3info.changelog.v26.item2":"Borrower portal rebuilt: 6 settings sub-pages, profile, password, notifications","w3info.changelog.v26.item3":"Guest 1003 flow (Option A — no NPI before signup) with autofill on register","w3info.changelog.v26.item4":"First-visit tour + /borrower/help walkthrough shipped","w3info.changelog.ctaTextPre":"We ship multiple times per week. Star the repo or follow","w3info.changelog.ctaTextPost":"for real-time updates.","w3info.changelog.ctaStartBuilding":"Start Building","w3info.changelog.ctaSeeFeatures":"See All Features","w3info.resources.eyebrow":"Resources","w3info.resources.heroPre":"Broker","w3info.resources.heroAccent":"Resources","w3info.resources.heroSub":"Guides, documentation, and support to help you get the most out of Unified Loan System.","w3info.resources.card.knowledgeBase.title":"Knowledge Base","w3info.resources.card.knowledgeBase.desc":"Step-by-step guides on the dashboard, document upload, AI underwriting decisions, and compliance checks.","w3info.resources.card.knowledgeBase.action":"View Guides","w3info.resources.card.apiDocs.title":"API Documentation","w3info.resources.card.apiDocs.desc":"Technical docs for integrating Unified Loan System with your existing CRM, LOS, or custom frontend via REST API.","w3info.resources.card.apiDocs.action":"Read Docs","w3info.resources.card.videos.title":"Video Walkthroughs","w3info.resources.card.videos.desc":"Screen-recorded walkthroughs of the borrower portal, pi

1peline management, and AI condition review flows.","w3info.resources.card.videos.action":"Watch Videos","w3info.resources.card.compliance.title":"Compliance Guides","w3info.resources.card.compliance.desc":"HMDA, ATR/Reg Z, OFAC, and state high-cost test documentation with worked examples and export checklists.","w3info.resources.card.compliance.action":"View Compliance","w3info.resources.supportCta.heading":"Need Personalized Support?","w3info.resources.supportCta.body":"Our broker success team is standing by. For complex files, compliance questions, or onboarding help — reach out directly.","w3info.resources.supportCta.contact":"Contact Support","w3info.resources.supportCta.allOptions":"All Contact Options","w3info.apiDocs.backToResources":"Back to Resources","w3info.apiDocs.title":"API Documentation","w3info.apiDocs.subtitle":"Integrate Unified Loan System's underwriting engine directly into your CRM.","w3info.apiDocs.previewNote":"This is a preview. To access the full API reference, please contact our engineering team.","w3info.apiDocs.requestAccess":"Request API Access","w3info.guides.backToResources":"Back to Resources","w3info.guides.title":"Knowledge Base","w3info.guides.subtitle":"Everything you need to know about using Unified Loan System.","w3info.guides.cat.gettingStarted":"Getting Started","w3info.guides.cat.documentManagement":"Document Management","w3info.guides.cat.underwritingConditions":"Underwriting & Conditions","w3info.guides.link.settingUpProfile":"Setting up your Broker Profile","w3info.guides.link.invitingClient":"Inviting your first client","w3info.guides.link.dashboardOverview":"Understanding the Dashboard","w3info.guides.link.scanningBestPractices":"Best practices for scanning","w3info.guides.link.resolvingOcrErrors":"Resolving OCR errors","w3info.guides.link.secureSharing":"Secure document sharing","w3info.guides.link.interpretingAi":"Interpreting AI decisions","w3info.guides.link.clearingConditions":"Clearing conditions automatically","w3info.guides.link.manualReview":"Requesting manual review","w3info.guideArticle.backToKb":"Back to Knowledge Base","w3info.guideArticle.helpful":"Was this article helpful?","w3info.guideArticle.yes":"Yes","w3info.guideArticle.no":"No","w3info.support.backToResources":"Back to Resources","w3info.support.title":"Contact Support","w3info.support.subtitle":"Our success team is here to help you clear conditions and close loans.","w3info.support.emailUs":"Email Us","w3info.support.emailResponse":"4 hour average response time","w3info.support.liveChat":"Live Chat","w3info.support.chatAvailability":"Available in Dashboard","w3info.support.chatHours":"Mon-Fri 9am - 6pm EST","w3info.support.submitTicket":"Submit a Ticket","w3info.support.subjectLabel":"Subject","w3info.support.subjectPlaceholder":"Brief description of the issue","w3info.support.messageLabel":"Message","w3info.support.messagePlaceholder":"Tell us more about what happened...","w3info.support.submitRequest":"Submit Request","w3info.beta.errorInvalid":"Invalid beta access code. Please try again.","w3info.beta.errorGeneric":"Something went wrong. Please try again.","w3info.beta.eyebrow":"Private Beta","w3info.beta.title":"Beta Access","w3info.beta.subtitle":"This platform is in private development. Enter your invitation code to continue.","w3info.beta.invitationCode":"Invitation code","w3info.beta.unlockAccess":"Unlock Access","w3info.beta.loading":"Loading…","w3borrower.toastUploading":"Uploading {name}…","w3borrower.toastUploaded":"Uploaded {name} — your loan officer will review.","w3borrower.toastUploadFailed":"Upload failed: {reason}","w3borrower.uploadRejected":"Upload rejected","w3borrower.loadingCondition":"Loading condition…","w3borrower.conditionNotFound":"Condition not found.","w3borrower.allConditions":"All conditions","w3borrower.veraSuggestionPlainEnglish":"What does this mean in plain English?","w3borrower.veraSuggestionWhereDocument":"Where do I get this document?","w3borrower.veraSuggestionHowLong":"How long will this take?","w3borrower.veraSuggestionFromPhone":"Can I send this from my phone?","w3borrower.veraWelcome":"Tell me what's confusing about this condition.","w3borrower.errInvalidCode":"Invalid or expired code. Please try again.","w3borrower.errSomethingWrong":"Something went wrong.","w3borrower.errThrottled":"Too soon — wait about a minute, then try again.","w3borrower.errAuthenticatorApp":"This account uses an authenticator app. Open it and use the current 6-digit code.","w3borrower.errResendFailed":"Could not resend code. Check your connection and try again.","w3borrower.verifyEyebrow":"Borrower","w3borrower.verifyTitle":"One last check — verify it's you","w3borrower.verifySubtitleEmailPrefix":"We just emailed a 6-digit code to","w3borrower.verifySubtitleNoEmail":"We just emailed you a 6-digit code.","w3borrower.newCodeSent":"New code sent — check your inbox (and spam folder).","w3borrower.whyCodeHeading":"Why we need a code","w3borrower.whyCodeBody1":"Even if someone has your password, they can't sign in without access to your inbox. We send a 6-digit code","w3borrower.whyCodeBodyEmphasis":"every time you sign in from a new device","w3borrower.whyCodeBody2":"— once we've seen you on this browser before, you won't be prompted again for 30 days.","w3borrower.lookForEmail":"Look for this email","w3borrower.emailFromLabel":"From:","w3borrower.emailSubjectLabel":"Subject:","w3borrower.emailSubjectValue":"Your Unified Loan System login code","w3borrower.codeExpiresBefore":"C

1ode expires in","w3borrower.codeExpiresDuration":"10 minutes","w3borrower.typeCodeLabel":"Type the 6-digit code below","w3borrower.codeTip":"Tip: most email apps show the code in the preview line — you may not need to open the email.","w3borrower.verifyAndSignIn":"Verify and sign in","w3borrower.backToSignIn":"Back to sign in","w3borrower.resendAriaSending":"Sending new code…","w3borrower.resendAriaSent":"Code sent — check inbox","w3borrower.resendAriaIdle":"Send a new code","w3borrower.resendSending":"Sending…","w3borrower.resendSent":"Sent — check inbox","w3borrower.resendIdle":"Send a new code","w3borrower.spamHint":'Don\'t see the code? Check your spam or promotions folder. If the code expires, hit "Send a new code" above.',"w3borrower.loading":"Loading…","w3borrower.offlineTitle":"You're offline","w3borrower.offlineBody":"Looks like your connection dropped. Your loan application is safe — every saved field is on our servers, and any in-progress edits will sync as soon as you're back online.","w3borrower.offlineReconnecting":"Reconnecting…","w3borrower.offlineTryAgain":"Try again","w3borrower.offlineBorrowerDashboard":"Borrower dashboard","w3borrower.offlineContinueApplication":"Continue your application","w3borrower.offlineTip":"Tip: the 1003 application wizard works offline — your edits sync to our servers as soon as you're back online.","w3borrower.paymentReceivedTitle":"Payment received","w3borrower.cardSavedTitle":"Card saved on file","w3borrower.paymentReceivedBody":"Thank you. Your broker has been notified automatically, and Stripe will email you an itemized receipt shortly.","w3borrower.cardSavedBody":"Your payment card is now securely saved with Stripe. Your broker will be notified automatically — you don't need to do anything else.","w3borrower.cardSavedDisclaimerBefore":"Your card will","w3borrower.cardSavedDisclaimerNot":"not","w3borrower.cardSavedDisclaimerAfter":"be charged unless your loan does not close, and only for documented third-party costs your broker paid on your behalf. You'll receive an itemized notification before any charge.","w3borrower.paymentCanceledTitle":"Payment canceled","w3borrower.cardNotSavedTitle":"Card not saved","w3borrower.paymentCanceledBody":"You canceled before completing payment, so no charge was made. You can close this tab or use the link from your broker again whenever you're ready.","w3borrower.cardNotSavedBody":"You canceled before completing setup, so no card was saved. You can close this tab or use the link from your broker again whenever you're ready.","w3borrower.closeThisTab":"Close this tab","w3borrower.verifyUniversalTitle":"Universal Training Verification","w3borrower.testSuite":"Test Suite","w3borrower.testSuiteDescription":'Running comprehensive tests against the new "Universal Document Training" logic. This simulates 11 different document types including Tax Returns, W-2s, IDs, and more.',"w3borrower.runningTests":"Running Tests...","w3borrower.runComprehensiveTests":"Run Comprehensive Tests","w3borrower.results":"Results","w3borrower.expectedLabel":"Expected:","w3borrower.actualLabel":"Actual:","w3borrower.pass":"PASS","w3borrower.fail":"FAIL","w3borrower.confLabel":"Conf:","w3borrower.plaidExchangeFailed":"Bank exchange failed","w3borrower.plaidLinked":"Bank linked — pulling your accounts now.","w3borrower.plaidReconnectFailed":"Mark-reconnected failed","w3borrower.plaidReconnected":"Bank reconnected — your loan data is current again.","w3borrower.plaidFinishFailed":"We couldn't finish linking your bank. Try again or use the manual upload.","w3borrower.plaidSessionEnded":"Bank session ended unexpectedly. Try again or upload statements.","w3borrower.plaidSessionExpiredTitle":"Bank-link session expired","w3borrower.plaidSessionExpiredBody1":"We couldn't find an active bank-link session. This usually happens when the authorization at your bank took longer than expected, or when this page was reloaded.","w3borrower.plaidSessionExpiredBody2":"Head back to your loan application and click Connect Bank again to start a fresh session.","w3borrower.plaidBackToDashboard":"Back to dashboard","w3borrower.plaidLinkingTitle":"Linking your bank…","w3borrower.plaidResumingTitle":"Resuming bank connection…","w3borrower.plaidLinkingBody":"Almost done — saving your accounts to your loan file.","w3borrower.plaidResumingBody":"Just a moment while we reconnect to your bank after authorization.","w3sign.error.heading":"Cannot sign","w3sign.error.missingToken":"Missing access token.","w3sign.error.invali

1dLink":"This signing link is invalid or has expired.","w3sign.error.notFound":"Envelope not found.","w3sign.error.alreadySigned":"This document has already been signed.","w3sign.error.declined":"This signing request was declined.","w3sign.error.linkUsed":"This signing link has already been used.","w3sign.error.somethingWrong":"Something went wrong","w3sign.error.tryAgain":"Try again","w3sign.doc.fallbackTitle":"Document","w3sign.consent.recordError":"Could not record consent ({status})","w3sign.consent.recordErrorRetry":"Could not record your consent. Please try again.","w3sign.decline.failed":"Decline failed: {status}","w3sign.decline.recordError":"Failed to record decline.","w3sign.decline.button":"Decline to sign","w3sign.submit.placeAllFirst":"Please place your signature at every required location first.","w3sign.submit.failed":"Sign failed: {status}","w3sign.submit.failedRetry":"Failed to submit signature. Please try again.","w3sign.submit.button":"Submit signed document","w3sign.submit.needMoreOne":"Sign 1 more field to continue","w3sign.submit.needMoreMany":"Sign {count} more fields to continue","w3sign.submitting.loaderLabel":"Processing signature…","w3sign.submitting.title":"Submitting your signature…","w3sign.submitting.body":"Hang tight — we're finalizing the signed document.","w3sign.done.iconLabel":"Success","w3sign.done.title":"You're all signed!","w3sign.done.bodyBefore":"Your signed document has been sealed. A copy will be emailed to ","w3sign.done.bodyAfter":" within a few minutes.","w3sign.done.continue":"Continue","backs.title":"A few quick acknowledgements","backs.intro":"Before you continue, please review and sign these account-setup notices. It only takes a minute.","backs.item.esign":"Consent to electronic documents & signatures","backs.item.glba":"Privacy notice","backs.item.holden":"Fair lending notice","backs.status.signed":"Signed","backs.status.awaiting":"To sign","backs.cta.start":"Review & sign","backs.cta.continue":"Continue signing","backs.cta.opening":"Opening…","backs.later":"Remind me later","backs.error":"Something went wrong opening the signing page. Please try again.","w3sign.declined.title":"Signing declined","w3sign.declined.body":"We've recorded your decision. If you change your mind or have questions, reach out to your loan officer.","w3sign.header.signingAs":"Signing as","w3sign.sign.stepLabel":"Step 2 of 2","w3sign.sign.heading":"Sign your document","w3sign.sign.instructionCreate":"Create your signature below, then tap each highlighted field on the document to apply it.","w3sign.sign.instructionAllPlaced":"All fields signed — you're ready to submit.","w3sign.sign.instructionProgress":"{placed} of {total} fields signed. Tap each highlighted field to continue.","w3sign.sign.createSignature":"Create your signature","w3sign.sign.intentNote":"Each field you tap records your intent to sign there. Your final signed PDF is sealed and emailed to you when you submit.","w3sign.signature.label":"Your signature","w3sign.signature.change":"Change","w3sign.signature.adoptedAlt":"Your adopted signature","w3sign.signature.initialsLabel":"Initials:","w3sign.signature.dateLabel":"Date:","w3sign.placeAll.one":"Sign all remaining 1 field at once","w3sign.placeAll.many":"Sign all remaining {count} fields at once","w3sign.progress.pill":"{placed} of {total} signed","w3sign.progress.pillAria":"{placed} of {total} signature fields signed","w3sign.progress.listAria":"Signature field progress","w3sign.progress.fieldsHeading":"Signature fields","w3sign.progress.noFields":"No signature fields found on this document.","w3sign.progress.page":"page {page}","w3sign.fieldType.initial":"Initial","w3sign.fieldType.date":"Date","w3sign.fieldType.signature":"Signature","common.skipToMain":"Skip to main content","rwset.heading":"Settings","rwset.subheading":"Manage your account and preferences.","rwset.backToAll":"Back to all settings","rwset.all":"All","rwset.editInApplication":"Need to update your name, email, or phone? Edit them in your application","rwset.section.security.label":"Security","rwset.section.security.desc":"Password, 2FA, passkeys, and security questions","rwset.section.notifications.label":"Notifications","rwset.section.notifications.desc":"How and when we update you about your loan","rwset.section.appearance.label":"Appearance","rwset.section.appearance.desc":"Theme and color","rwset.section.connections.label":"Connections","rwset.section.connections.desc":"Bank accounts and linked services","rwset.section.privacy.label":"Privacy & data","rwset.section.privacy.desc":"Download or delete your data (CCPA / GDPR)","rwset.appearance.themeTitle":"Theme","rwset.appearance.themeDesc":"Pick light, midnight, or true black.","rwset.appearance.themeMode.light":"light","rwset.appearance.themeMode.midnight":"midnight","rwset.appearance.themeMode.dark":"True black","rwset.appearance.accentTitle":"Accent color","rwset.appearance.accentDesc":"Used on buttons, links, and highlights.","rwset.appearance.accentColorAria":"{color} accent color","rwset.appearance.color.default":"Indigo","rwset.appearance.color.ocean":"Ocean","rwset.appearance.color.forest":"Forest","rwset.appearance.color.sunset":"Sunset","rwset.appearance.color.lavender":"Lavender","rwset.privacy.intro":"Under California's CCPA and GDPR you have the right to see, export, or delete your data. Use the controls below.","rwset.privacy.retentionNote":"We'll respond within 45 days. Some data is required for federal recordkeeping (HMDA, BSA / OFAC, Reg B / ECOA, FCRA) and must be retained even after deletion of personal preferences. We'll let you know 

1which fields are subject to that retention when we process your request.","rwset.connections.bankTitle":"Bank account (Plaid)","rwset.connections.bankDesc":"Auto-fills your bank balances and statements onto your 1003. You can disconnect anytime; disconnecting also deletes the data we cached from Plaid.","rwset.connections.loading":"Loading…","rwset.connections.startToConnect":"Start an application to connect a bank.","rwset.connections.bankConnected":"Bank connected","rwset.connections.bankConnectedNamed":"Bank connected — {institution}","rwset.connections.noBank":"No bank connected. You can link one from the Assets section of your application.","rwset.connections.product.assetReport":"Asset report","rwset.connections.product.assetReportPending":"Pulling 2 years of balances…","rwset.connections.product.incomeVerification":"Income verification","rwset.connections.product.incomeVerificationPending":"Analyzing direct deposits…","rwset.connections.product.consumerReport":"Consumer report","rwset.connections.product.consumerReportPending":"Building cashflow signals…","rwset.connections.product.ready":"Ready","rwset.connections.product.failed":"Failed — contact your loan officer","rwset.security.twoFactorTitle":"Two-factor authentication","rwset.security.twoFactorDesc":"Adds an authenticator-app code on top of your password.","rwset.security.passkeysTitle":"Passkeys","rwset.security.passkeysDesc":"Sign in with your fingerprint, face, or device PIN — phishing-resistant and recommended.","rwset.security.questionsTitle":"Security questions","rwset.security.questionsDesc":"Used as a fallback when you sign in from a new device.","rwset.security.signInsTitle":"Recent sign-ins","rwset.security.signInsDesc":"Devices that have signed in to your account. If you don't recognize one, change your password.","rwset.security.password.title":"Password","rwset.security.password.desc":"Changing your password signs out other devices.","rwset.security.password.currentPlaceholder":"Current password","rwset.security.password.currentAria":"Current password","rwset.security.password.newPlaceholder":"New password","rwset.security.password.newAria":"New password","rwset.security.password.confirmPlaceholder":"Confirm new password","rwset.security.password.confirmAria":"Confirm new password","rwset.security.password.errMinLength":"New password must be at least 8 characters.","rwset.security.password.errMismatch":"New passwords do not match.","rwset.security.password.errGeneric":"Could not change password.","rwset.security.password.updated":"Password updated.","rwset.security.password.saving":"Saving…","rwset.security.password.changeBtn":"Change password","rwset.security.twoFactor.enabledNotice":"2FA is enabled.","rwset.security.twoFactor.disableBtn":"Disable 2FA","rwset.security.twoFactor.disableWarning":"Disabling 2FA means your account will rely only on your password and email codes. Are you sure?","rwset.security.twoFactor.cancel":"Cancel","rwset.security.twoFactor.disabling":"Disabling…","rwset.security.twoFactor.confirmDisable":"Yes, disable 2FA","rwset.security.twoFactor.loading":"Loading…","rwset.security.twoFactor.setupBtn":"Set up 2FA","rwset.security.twoFactor.scanInstructions":"Scan with Google Authenticator, Authy, or 1Password.","rwset.security.twoFactor.qrAlt":"2FA QR","rwset.security.twoFactor.manualKey":"Manual key:","rwset.security.twoFactor.codePlaceholder":"6-digit code","rwset.security.twoFactor.codeAria":"Authenticator 6-digit code","rwset.security.twoFactor.verifyEnable":"Verify & enable","rwset.notifications.errLoadPrefs":"Could not load preferences.","rwset.notifications.errLoadConditions":"Could not load condition preferences.","rwset.notifications.errSaveFailed":"Save failed.","rwset.notifications.errSaveReverted":"Save failed — toggle reverted.","rwset.notifications.errSaveRetry":"Save failed — please try again.","rwset.notifications.loading":"Loading…","rwset.notifications.channelsTitle":"Channels","rwset.notifications.channelsDesc":"Saves automatically.","rwset.notifications.emailLabel":"Email","rwset.notifications.emailDesc":"Status updates, document requests, and milestones.","rwset.notifications.smsLabel":"SMS","rwset.notifications.smsDesc":"Time-sensitive alerts only — rate-lock confirmations and signature requests.","rwset.notifications.voiceTitle":"Voice & accessibility","rwset.notifications.voiceDesc":"Control how Breeze interacts with you using your voice.","rwset.notifications.voiceInputLabel":"Voice input — let me dictate questions to Breeze","rwset.notifications.voiceInputDesc":"Uses your browser's microphone. Browser support required.","rwset.notifications.voiceOutputLabel":"Voice output — read Breeze's answers aloud","rwset.notifications.voiceOutputDesc":"A play button appears next to each of Breeze's messages.","rwset.notifications.conditionTitle":"Condition Notifications","rwset.notifications.conditionDesc":"Cho

1ose which alerts fire when your loan officer adds or updates conditions. Channels your loan officer has not enabled are shown greyed out.","rwset.notifications.condition.newEmail.label":"New-condition email","rwset.notifications.condition.newEmail.desc":"When new conditions are added to your loan","rwset.notifications.condition.weeklyDigest.label":"Weekly digest","rwset.notifications.condition.weeklyDigest.desc":"Sunday summary of open items","rwset.notifications.condition.staleReminder.label":"Stale-condition reminder","rwset.notifications.condition.staleReminder.desc":"One ping at 7 days when a condition has had no activity","rwset.notifications.condition.inAppToast.label":"In-app toast on next visit","rwset.notifications.condition.inAppToast.desc":"Count of new items shown when you open the portal","rwset.notifications.condition.push.label":"Push notification","rwset.notifications.condition.push.desc":"PWA push (app must be installed)","rwset.notifications.conditionDisabledTooltip":"Your loan officer hasn't enabled this channel","rwset.notifications.conditionNotEnabled":"Not enabled by your loan officer","rwset.notifications.noLoanNote":"No loan has been assigned yet — your preferences are saved and will take effect once your loan officer is connected.","rwset.notifications.saveStatus.saving":"Saving…","rwset.notifications.saveStatus.saved":"Saved {time}","rwset.notifications.saveStatus.failed":"Save failed","rwset.notifications.saveStatus.upToDate":"Up to date","rwdocs.statRequired":"Required","rwdocs.statUploaded":"Uploaded","rwdocs.statVerified":"Verified","rwdocs.statTotalDocs":"Total docs","rwdocs.tileShowingEverything":"Showing everything","rwdocs.tileShowAll":"Show all","rwdocs.tileFilteringTapToClear":"Filtering \xb7 tap to clear","rwdocs.tileTapToFilter":"Tap to filter","rwdocs.smartUploadHeading":"Smart upload","rwdocs.smartUploadSubtitle":"Drop any file — we figure out what it is and where it goes.","rwdocs.dropZoneHeading":"Drag & drop, or tap to browse","rwdocs.dropZoneSubtitle":"One file or a whole pile — we sort and label each one for you.","rwdocs.browseFiles":"Browse files","rwdocs.useCamera":"Use camera","rwdocs.supportsExtsMax":"Supports {exts} \xb7 up to {size}MB each","rwdocs.readingDocument":"Reading your document…","rwdocs.ocrClassifierHint":"OCR + classifier \xb7 usually 10–20 seconds","rwdocs.cameraOverlayLabel":"Hold your document inside the frame","rwdocs.backToDashboard":"Back to dashboard","rwdocs.documentCenter":"Document center","rwdocs.pageHeading":"Your loan documents in one place","rwdocs.pageSubtitle":"Upload paystubs, tax returns, bank statements, and ID. We OCR everything and route each file to the right slot — you don't have to label anything.","rwdocs.offlineBanner":"You're offline. Showing your last saved document list — uploads are paused.","rwdocs.cachedFrom":"Cached from {date}","rwdocs.statusVerified":"Verified","rwdocs.statusUploaded":"Uploaded","rwdocs.statusPending":"Pending","rwdocs.statusReviewing":"Reviewing","rwdocs.fileCountOne":"{count} file","rwdocs.fileCountMany":"{count} files","rwdocs.showingFilterOnly":"Showing {filter} only \xb7 clear ✕","rwdocs.filterRequired":"required","rwdocs.filterUploaded":"uploaded","rwdocs.filterVerified":"verified","rwdocs.documentCollection":"Document collection","rwdocs.collectedCount":"{done} of {total} collected","rwdocs.sectionRequired":"Required","rwdocs.sectionStillNeeded":"Still needed","rwdocs.stillNeededHint":"One area at a time — tap a section to expand.","rwdocs.emptyNothingRequired":"Nothing required is left here","rwdocs.emptyAllCaughtUp":"You're all caught up","rwdocs.emptyOptionalItemsPrefix":"You still have optional items —","rwdocs.showEverything":"show everything","rwdocs.emptyOptionalItemsSuffix":".","rwdocs.emptyEveryDocIn":"Every document on your list is in. Nice work.","rwdocs.sectionVerified":"Verified","rwdocs.sectionSubmitted":"Submitted","rwdocs.emptyNothingVerified":"Nothing verified yet","rwdocs.emptyNoDocsUploaded":"No documents uploaded yet","rwdocs.emptyVerifiedDescription":"Documents appear here once your loan team finishes verifying them.","rwdocs.emptyNoDocsDescription":"Drop a file in the smart upload zone above. We'll auto-classify it and route to the right slot.","rwdocs.readyToSubmit":"Ready to submit","rwdocs.requiredRemainingOne":"{count} required item remaining","rwdocs.requiredRemainingMany":"{count} required items remaining","rwdocs.submitHeadingReady":"Submit your file for review","rwdocs.submitHeadingAlmost":"Almost there","rwdocs.submitDescriptionReady":"Once you submit, your loan officer reviews your file and submits it to your lender.","rwdocs.submitDescriptionAlmost":"Upload the remaining required items above. The button unlocks automatically when you're done.","rwdocs.submitting":"Submitting…","rwdocs.submitApplication":"Submit application","rwdocs.askVeraLabel":"Ask Breeze which documents you still need","rwdocs.askVeraPrompt":"Help me understand which documents I still need to upload and what each one is for.","rwdocs.modalMismatchTitle":"Possible mismatch detected","rwdocs.cancel":"Cancel","rwdocs.proceedAnyway":"Proceed anyway","rwdocs.modalLabelFile":"File","rwdocs.modalLabelTargeting":"Targeting","rwdocs.modalLabelDetected":"Detected","rwdocs.noFilesUploaded":"No files uploaded","rwdocs.documentFallback":"Document","rwdocs.toastScanning":"Scanning {count} documents...","rwdocs.toastProcessedOne":"Successfully processed {count} document.","rwdocs.toastProcessedMany":"Successfully processed {count} documents.","rwdocs.toastCouldNotIdentify":"Could not identify uploaded files. Please upload manually to a specific category.","rwdocs.toastAnalyzing":"Analyzing document...","rwdocs.toastUploadSuccess":"Document uploaded successfully.","rwdocs.toastUploadError":"Error processing document.","rwdocs.toastUploadCancelled":"Upload cancelled","rwdocs.toastSubmitFailed":"Failed to submit application. Please try again.","rwdocs.issueTypeMismatch":"This looks like a {detected} ({confidence}% confidence), but you are uploading it to {target}.","rwdocs.issueLastNameNotFound":'The borrower\'s last name "{lastName}" was not found in the document.',"rwdocs.issueDobMismatch":"DOB Mismatch: Application says {appDob}, this ID says {idDob}.","rwdocs.issueIncomeMismatch":"Income Mismatch: Paystub indicates ~${detected}/mo, but application says ${reported}/mo.","fxhero.clickAnyStepBelow":"Click any step below","fxhero.onTrack":"Everything is on track.","fxcompl

1iance.loading":"Checking your application status…","fxcompliance.heading":"Your application status","fxcompliance.footerNote":"Have questions? Your broker is the best contact for compliance specifics.","fxcompliance.label.hoepa":"Pricing within federal limits","fxcompliance.label.state_high_cost":"Pricing within state limits","fxcompliance.label.atr":"All paperwork verified","fxcompliance.label.ofac":"Identity screening complete","fxcompliance.detail.hoepa.PASS":"Your loan pricing is within federal high-cost limits.","fxcompliance.detail.hoepa.ATTENTION":"Your broker is reviewing the pricing structure.","fxcompliance.detail.hoepa.FAIL":"Your broker will adjust pricing to clear federal limits.","fxcompliance.detail.hoepa.UNKNOWN":"This will be checked when pricing is locked.","fxcompliance.detail.state_high_cost.PASS":"Your loan pricing is within state limits.","fxcompliance.detail.state_high_cost.ATTENTION":"Your loan may require additional state-specific disclosures — your broker will handle those.","fxcompliance.detail.state_high_cost.FAIL":"State limit issue — your broker will adjust.","fxcompliance.detail.state_high_cost.UNKNOWN":"This will be checked when pricing is locked.","fxcompliance.detail.atr.PASS":"All required income + employment + asset documentation is on file.","fxcompliance.detail.atr.ATTENTION":"Some documentation is still missing — see your dashboard.","fxcompliance.detail.atr.FAIL":"Some documentation is still missing — see your dashboard.","fxcompliance.detail.atr.UNKNOWN":"This will be checked as you upload documents.","fxcompliance.detail.ofac.PASS":"Identity screening complete.","fxcompliance.detail.ofac.ATTENTION":"Your broker is reviewing the screening result.","fxcompliance.detail.ofac.FAIL":"Your broker is reviewing the screening result.","fxcompliance.detail.ofac.UNKNOWN":"Identity screening will run before underwriting.","fxvera.online":"ONLINE","fxvera.text":"Text","fxvera.labelTextNumber":"Text number","fxvera.copyPhone":"Copy phone","fxvera.copyPhoneNumber":"Copy phone number","fxvera.copyTextNumber":"Copy text number","fxvera.copyEmail":"Copy email","fxvera.copyEmailAddress":"Copy email address","fxvera.newChat":"New Chat","fxvera.recentChats":"Recent Chats","fxvera.noPastConversations":"No past conversations yet.","fxvera.untitledChat":"Untitled chat","fxvera.archiveConversation":"Archive conversation","fxvera.archive":"Archive","fxvera.showLess":"Show less","fxvera.viewMore":"View more ({n})","fxvera.relJustNow":"just now","fxvera.relMinutesAgo":"{n}m ago","fxvera.relHoursAgo":"{n}h ago","fxvera.relDaysAgo":"{n}d ago","fxvera.tryAsking":"Try asking","fxvera.suggestedNextSteps":"Suggested next steps","fxvera.veraGenerating":"Breeze is generating…","fxvera.listening":"Listening…","fxvera.askVeraAnything":"Ask Breeze anything…","fxvera.connectionError":"Connection error — please try again in a moment.","fxvera.borrowerFooterDefault":"Breeze explains how things work — your broker still reviews everything.","fxvera.copied":"Copied","fxvera.copiedBang":"C

1opied!","fxvera.copyMessage":"Copy message","fxvera.copy":"Copy","fxvera.regenerateResponse":"Regenerate response","fxvera.regenerate":"Regenerate","fxvera.stopGenerating":"Stop generating","fxvera.stopGeneratingTitle":"Stop generating (current reply is kept)","fxvera.stop":"Stop","fxvera.send":"Send","fxdocs.effortOnHand":"Usually on hand","fxdocs.effortDownload":"Download online","fxdocs.effortPhoto":"Snap a photo","fxdocs.effortRequest":"May need to request","fxdocs.chunkIdentityHeadline":"Prove who you are","fxdocs.chunkIdentityBlurb":"Quick identity and legal items — usually the fastest to knock out.","fxdocs.categoryIdentity":"Identity & Legal","fxdocs.chunkIncomeHeadline":"Show how you earn","fxdocs.chunkIncomeBlurb":"How money comes in — paychecks, tax forms, and employment.","fxdocs.categoryIncome":"Income & Employment","fxdocs.chunkAssetsHeadline":"Show your savings","fxdocs.chunkAssetsBlurb":"Where your down payment and reserves are sitting.","fxdocs.categoryAssets":"Assets","fxdocs.chunkPropertyHeadline":"About the property","fxdocs.chunkPropertyBlurb":"Documents tied to the home and this specific loan.","fxdocs.categoryProperty":"Property & Loan","fxdocs.chunkDisclosuresHeadline":"Disclosures & consents","fxdocs.chunkDisclosuresBlurb":"Forms to review and acknowledge.","fxdocs.categoryDisclosures":"Disclosures","fxdocs.chunkOtherHeadline":"A few extras","fxdocs.chunkOtherBlurb":"A handful of items specific to your file.","fxdocs.categoryOther":"Other","fxdocs.chunkProgress":"{done} of {total} done","fxdocs.chunkAllSet":"All set in this area — nice work. ✓","fxdocs.required":"Required","fxdocs.optional":"Optional","fxdocs.whereDoIGetThis":"Where do I get this?","fxdocs.whatIsThis":"What is this?","fxdocs.whatIsThisPrompt":"I need to upload \"{name}\" but I'm not sure exactly what it is or how to get one. Walk me through what this document is, why it's needed for my loan, and where I'd find or request it.","fxdocs.askTheCoach":"Ask the coach","fxdocs.upload":"Upload","fxdocs.actionLeLabel":"Loan Estimate v{version}","fxdocs.actionLeDesc":"Review the rate, monthly payment, and closing costs, then express your intent to proceed.","fxdocs.actionCdLabel":"Closing Disclosure v{version}","fxdocs.actionCdDesc":"Final terms and cash-to-close. Federal law gives you 3 business days to review before signing.","fxdocs.actionNocLabel":"Notice of Right to Cancel v{version}","fxdocs.actionNocDesc":"Refinance only. Lets you know how to cancel within 3 business days of closing.","fxdocs.actionEsignLabel":"E-signature requested","fxdocs.actionEsignDesc":"Document sent {date}. Open the signing link in the disclosures portal or use the email link from the provider.","fxstages.stage.application":"Application","fxstages.stage.pricing":"Pricing","fxstages.stage.processing":"Processing","fxstages.stage.underwriting":"Underwriting","fxstages.stage.conditions":"Conditions","fxstages.stage.closing":"Closing","fxstages.nav.previousStage":"Previous stage","fxstages.nav.nextStage":"Next stage","fxstages.nav.loanStages":"Loan stages","fxstages.nav.ofTotal":"of {total}","fxstages.nav.stageLabel":"Stage {n}: {name}","fxstages.nav.swipeOffTap":"Swipe off \xb7 tap to enable","fxstages.nav.swipeOnTap":"Swipe on \xb7 tap to disable","fxstages.nav.completeApp":"Complete your application","fxstages.nav.completeAppUnlock":"Complete your application to unlock the other stages","fxstages.nav.unlockSwipeAria":"Unlock swipe navigation","fxstages.nav.lockSwipeAria":"Lock swipe navigation","fxstages.nav.lockedTitle":"Locked — tap to unlock swipe","fxstages.nav.swipeActiveTitle":"Swipe active — tap to lock","fxstages.nav.locked":"Locked","fxstages.nav.swipeActive":"Swipe Active","fxstages.nav.showTutorial":"Show Navigation Tutorial","fxstages.nav.swipeLeft":"Swipe Left","fxstages.nav.nextStep":"Next Step","fxstages.nav.skipAhead":"Skip ahead","fxstages.nav.swipeTo":"Swipe to {stage}","fxstages.tutorial.title":"Swipe to Navigate","fxstages.tutorial.intro":"You can swipe left or right to move between stages.","fxstages.tutorial.bodyDesktop":"Use the Lock/Unlock toggle at the top right to enable or disable swiping at any time.","fxstages.tutorial.bodyMobile":"Use the Lock/Unlock swipe toggle to enable or disable swiping at any time — or just tap the Back and Next buttons.","fxstages.tutorial.gotIt":"Got it!","fxstages.preview.bannerTitle":"Borrower-portal preview \xb7 {name}","fxstages.preview.veraPrompt":"Walk me through the next steps on my loan and what I should focus on.","fxstages.app.step":"Step 1: Application","fxstages.app.titleLine1Complete":"Application","fxstages.app.titleLine1Fresh":"Start Your","fxstages.app.titleLine1Partial":"Let's Finish","fxstages.app.titleLine2Complete":"Submitted","fxstages.app.titleLine2Fresh":"Application","fxstages.app.titleLine2Partial":"Your App","fxstages.app.subtitleComplete":"We have received your application and are preparing it for processing.","fxstages.app.subtitleFresh":"We'll walk you through the standard 1003 mortgage form. About 15 minutes.","fxstages.app.subtitleParti

1al":"You're partially done. Just a few more details to unlock your loan options.","fxstages.app.formStatus":"Form Status","fxstages.app.documentSystem":"Document System","fxstages.app.docSystemReady":"Ready & Active","fxstages.app.docSystemInit":"Initializing...","fxstages.app.complete1003":"Complete 1003","fxstages.app.review1003":"Review 1003","fxstages.app.viewLiveRates":"View Live Rates","fxstages.app.actionRequired":"Action Required","fxstages.app.actionRequiredMissing":"Action Required: Missing Info","fxstages.app.missingCountOne":"{n} missing item before processing.","fxstages.app.missingCountMany":"{n} missing items before processing.","fxstages.app.countLeft":"{n} left","fxstages.app.fill":"Fill","fxstages.app.fillOutHere":"Fill Out Here","fxstages.app.liveRateOptions":"Live Rate Options","fxstages.app.liveRateOptionsSub":"Based on your credit profile and loan amount","fxstages.app.product":"Product","fxstages.app.maxLtv":"Max LTV","fxstages.app.lockThisRate":"Lock this Rate","fxstages.app.rateSelectedTitle":"Rate selected","fxstages.app.rateSelectedMsg":"Selected {rate}% rate. Your broker will confirm and lock.","fxstages.app.saveErrorTitle":"Save Error","fxstages.app.saveErrorMsg":"Failed to save rate selection.","fxstages.pricing.step":"Step 2: Pricing","fxstages.pricing.talkTitle":"Let's talk about your rate","fxstages.pricing.talkBody":"Your rate depends on your full financial picture and moves with the market every day. Your loan officer will price your loan with the lender and walk you through your real options — and you'll get your rate in writing on your Loan Estimate.","fxstages.pricing.talkToLo":"Talk to your loan officer","fxstages.pricing.liveRatesTitle":"Your Live Rates","fxstages.pricing.liveRatesSub":"Real-time pricing from every wholesale lender we work with — already filtered to what you actually qualify for.","fxstages.pricing.openFullPage":"Open full pricing page","fxstages.pricing.noAccess":"You do not have access to this loan.","fxstages.pricing.failedToLoad":"Pricing failed to load.","fxstages.pricing.loadingRates":"Pulling live rates from your lenders…","fxstages.pricing.noAccessTitle":"You don't have access to this loan","fxstages.pricing.didntLoadTitle":"Pricing didn't load","fxstages.pricing.missingCreditScore":"Credit score (your broker will run this)","fxstages.pricing.missingLoanAmount":"Loan amount (Step 6 of your application)","fxstages.pricing.missingPropertyValue":"Property value (Step 6 of your application)","fxstages.pricing.missingOccupancy":"How the property will be used (Step 6)","fxstages.pricing.missingLoanPurpose":"Purchase or refinance (Step 6)","fxstages.pricing.missingPropertyType":"Property type (Step 6)","fxstages.pricing.missingTitle":"A few more details first","fxstages.pricing.missingSub":"Once these are filled in, we'll show your real qualifying rates.","fxstages.pricing.noProductsTitle":"No eligible products right now","fxstages.pricing.noProductsBody":"No lender on file has a product matching your scenario. Reach out to your broker — they can review additional lender programs.","fxstages.pricing.rateCountOne":"{n} rate across your broker's lender network","fxstages.pricing.rateCountMany":"{n} rates across your broker's lender network","fxstages.pricing.perMonth":"{amount}/mo","fxstages.pricing.yourBestRate":"Your Best Rate","fxstages.pricing.onProduct":"on a {product}","fxstages.pricing.lockNetwork":"{days}-day lock \xb7 pulled across your broker's lender network","fxstages.pricing.monthlyPi":"Monthly P&I","fxstages.pricing.discountPoints":"Discount points","fxstages.pricing.none":"None","fxstages.pricing.finalPrice":"Final price","fxstages.processing.required":"Required","fxstages.processing.optional":"Optional","fxstages.processing.aiPowered":"AI-Powered Processing","fxstages.processing.edit1003App":"Edit 1003 App","fxstages.processing.smartDocCenter":"Smart Document Center","fxstages.processing.dragDropSub":"Drag and drop your files anywhere. Our AI automatically categorizes and sorts them into the correct columns below.","fxstages.processing.infoReceived":"Info Received","fxstages.processing.infoReceivedMsg":"Thanks for providing the insurance details. Our team will reach out to request the exact documents we need.","fxstages.processing.actionRequired":"Action required","fxstages.processing.homeownersInsurance":"Homeowner's Insurance","fxstages.processing.asap":"ASAP","fxstages.processing.insuranceIntro":"Share your insurance agent's contact info — we'll request the declarations page so closing isn't held up.","fxstages.processing.insCompanyLabel":"Insurance company","fxstages.processing.insCompanyAria":"Homeowners insurance company","fxstages.processing.insCompanyPlaceholder":"State Farm, Allstate, Lemonade…","fxstages.processing.agentNameLabel":"Agent's full name","fxstages.processing.agentNamePlaceholder":"Jane Smith","fxstages.processing.agentEmailLabel":"Agent email","fxstages.processing.agentEmailPlaceholder":"[email protected]","fxstages.processing.agentPhoneLabel":"Agent phone","fxstages.processing.policyNumberLabel":"Policy number","fxstages.processing.quoteNumberLabel":"Quote number","fxstages.processing.policyNumberPlaceholder":"Policy #","fxstages.processing.quoteNumberPlaceholder":"Quote # if you have one","fxstages.processing.submitInsurance":"Submit insurance info","fxstages.processing.expertEyebrow":"Stuck? Ask a human.","fxstages.processing.expertBody":"Your loan officer or licensed broker 

1can resolve almost any document question in a single message.","fxstages.processing.expertStat":"Speed of response is the single biggest predictor of an on-time close. Reply within 4 hours and your loan closes ~9 days faster on average.","fxstages.uw.step":"Step 3: Underwriting","fxstages.uw.titleAiLine1":"AI Risk","fxstages.uw.titleAiLine2":"Assessment","fxstages.uw.titleLenderLine1":"Lender","fxstages.uw.titleLenderLine2":"Underwriting","fxstages.uw.lenderReviewsLead":"Your lender's underwriting team reviews your file once it's submitted.","fxstages.uw.lenderReviewsBody":"Any conditions or findings show up here and in your Conditions list as they come back — there's nothing you need to do right now.","fxstages.uw.analyzing":"Analyzing data...","fxstages.uw.cleanFile":"Clean File","fxstages.uw.cleanFileBody":"No major risk factors detected by AI.","fxstages.uw.categoryReview":"{category} Review","fxstages.uw.autoUwEstimate":"Automated Underwriting (Estimate)","fxstages.uw.autoUwEstimateDesc":"Run a simulated DU/LPA-style eligibility estimate. This is a Phase-1 heuristic — not a live Fannie Mae or Freddie Mac submission.","fxstages.uw.runAusEstimate":"Run AUS estimate (simulated)","fxstages.uw.ausFindings":"AUS Findings","fxstages.uw.ausDisclaimer":"Simulated estimate — not a real Fannie Mae DU or Freddie Mac LPA decision. Final eligibility is determined by the lender's AUS during underwriting.","fxstages.closing.clearToClose":"Clear to Close","fxstages.closing.congratulations":"Congratulations! Your loan 

1is fully approved.","fxstages.closing.finalSteps":"Final Steps","fxstages.closing.finalVerification":"Final Verification Complete","fxstages.closing.cdSent":"Closing Disclosure Sent","fxstages.closing.pendingSigning":"Pending: Signing Appointment","fxstages.closing.downloadApproval":"Download Approval","fxstages.closing.scheduleSigning":"Schedule Signing","fxstages.conditions.uploadRejected":"Upload rejected","fxstages.conditions.unknownError":"unknown error","gxvera.welcomeCampaigns":"Let's build a campaign.","gxvera.tabVera":"Breeze","gxvera.tabYourBroker":"Your broker","gxvera.tabAssistant":"Assistant","gxvera.tabCampaigns":"Campaigns","gxdocreq.nameId":"Photo ID","gxdocreq.descId":"Valid Driver's License, State ID, or Passport","gxdocreq.nameSsCard":"Social Security Card","gxdocreq.descSsCard":"Copy of Social Security Card","gxdocreq.nameGreenCard":"Green Card","gxdocreq.descGreenCard":"Permanent Resident Card (Front and Back)","gxdocreq.nameVisa":"Visa / EAD","gxdocreq.descVisa":"Valid Visa or Employment Authorization Document","gxdocreq.nameI94":"I-94 Record","gxdocreq.descI94":"Most recent I-94 arrival/departure record","gxdocreq.nameItin":"ITIN Letter","gxdocreq.descItin":"IRS ITIN Assignment Letter","gxdocreq.namePayStub":"Pay Stubs","gxdocreq.descPayStub":"Most recent 30 days of pay stubs","gxdocreq.nameW2":"W-2 Forms","gxdocreq.descW2":"Last 2 years of W-2 statements","gxdocreq.nameVoe":"Verification of Employment","gxdocreq.descVoe":"Written or Verbal VOE will be ordered","gxdocreq.nameOfferLetter":"Offer Letter / Contract","gxdocreq.descOfferLetter":"Signed offer letter or employment contract for new job","gxdocreq.namePersonalTaxReturn":"Personal Tax Returns (1040)","gxdocreq.descPersonalTaxReturn":"Last 2 years of personal tax returns with all schedules","gxdocreq.nameBusinessLicense":"Business License","gxdocreq.descBusinessLicense":"Current business license or registration","gxdocreq.nameProfitAndLoss":"YTD Profit & Loss","gxdocreq.descProfitAndLoss":"Year-to-date P&L statement signed by borrower","gxdocreq.nameBalanceSheet":"Balance Sheet","gxdocreq.descBalanceSheet":"Current balance sheet","gxdocreq.nameBusinessTaxReturn":"Business Tax Returns","gxdocreq.descBusinessTaxReturn":"Last 2 years of business returns (1120S, 1065) and K-1s","gxdocreq.nameK1":"Schedule K-1s","gxdocreq.descK1":"K-1s for all business entities","gxdocreq.nameCorporateLlc":"Corporate/LLC Documents","gxdocreq.descCorporateLlc":"Articles of Incorporation/Organization, Operating Agreement","gxdocreq.namePensionStatement":"Pension Award Letter","gxdocreq.descPensionStatement":"Current pension award letter or statement","gxdocreq.nameForm1099R":"1099-R Forms","gxdocreq.descForm1099R":"Last 2 years of 1099-R forms","gxdocreq.nameSsaAward":"SSA Award Letter","gxdocreq.descSsaAward":"Current Social Security Award Letter","gxdocreq.nameDivorceDecreeOrder":"Divorce Decree / Court Order","gxdocreq.descDivorceDecreeOrder":"Complete divorce decree or court order specifying payments","gxdocreq.nameProofOfReceipt":"Proof of Receipt","gxdocreq.descProofOfReceipt":"Proof of receipt for the last 6 months (bank statements or canceled checks)","gxdocreq.nameLes":"LES (Leave and Earnings Statement)","gxdocreq.descLes":"Most recent Leave and Earnings Statement","gxdocreq.nameScheduleE":"Schedule E (Tax Returns)","gxdocreq.descScheduleE":"Ensure Schedule E is included in tax returns","gxdocreq.nameLeaseAgreement":"Current Lease Agreements","gxdocreq.descLeaseAgreement":"Current lease agreements for all rental properties","gxdocreq.nameBankStatement":"Bank Statements","gxdocreq.descBankStatement":"Last 2 months of complete statements for all accounts (all pages)","gxdocreq.nameVod":"Verification of Deposit","gxdocreq.descVod":"Lender may request VOD","gxdocreq.nameAssetStatement":"Investment/Retirement Statements","gxdocreq.descAssetStatement":"Most recent quarterly statement","gxdocreq.nameRetirementWithdrawal":"Retirement Withdrawal Terms","gxdocreq.descRetirementWithdrawal":"Terms of withdrawal or loan from retirement account","gxdocreq.nameGiftLetter":"Gift Letter","gxdocreq.descGiftLetter":"Signed gift letter and proof of transfer","gxdocreq.nameClosingDisclosureSale":"Closing Disclosure (Sale)","gxdocreq.descClosingDisclosureSale":"Closing Disclosure or Bill of Sale from sold asset","gxdocreq.nameCryptoStatement":"Crypto Account Statements","gxdocreq.descCryptoStatement":"Statements showing ownership and liquidation if needed","gxdocreq.nameTrustAgreement":"Trust Agreement","gxdocreq.descTrustAgreement":"Full Trust Agreement and Certification of Trust","gxdocreq.nameStockOption":"Stock Option Agreement","gxdocreq.descStockOption":"Vesting schedule and option agreement","gxdocreq.nameMortgageStatement":"Mortgage Statements","gxdocreq.descMortgageStatement":"Current statement for all retained properties","gxdocreq.nameInsuranceDeclaration":"Insurance 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statement for the loan being refinanced","gxdocreq.nameMortgageNote":"Current Mortgage Note","gxdocreq.descMortgageNote":"Copy of the current mortgage note","gxdocreq.nameHomeInsuranceDeclaration":"Home Insurance Declaration","gxdocreq.descHomeInsuranceDeclaration":"Current insurance policy for the subject property","gxdocreq.nameLoanEstimate":"Loan Estimate","gxdocreq.descLoanEstimate":"Loan Estimate for the new loan","gxdocreq.nameBuilderContract":"Builder Contract / Plans","gxdocreq.descBuilderContract":"Construction contract and plans","gxdocreq.nameCondoQuestionnaire":"Condo Questionnaire","gxdocreq.descCondoQuestionnaire":"Completed condo questionnaire","gxdocreq.nameHo6Insurance":"HO-6 Insurance Policy","gxdocreq.descHo6Insurance":"Walls-in coverage policy","gxdocreq.nameBankruptcyDischarge":"Bankruptcy Discharge Papers","gxdocreq.descBankruptcyDischarge":"Complete bankruptcy discharge papers and schedule","gxdocreq.nameLoeBankruptcy":"LOE - Bankruptcy","gxdocreq.descLoeBankruptcy":"Letter explaining circumstances of bankruptcy","gxdocreq.nameJudgmentExplanation":"Proof of Settlement / Explanation","gxdocreq.descJudgmentExplanation":"Proof of satisfaction or explanation for lawsuit/judgment","gxdocreq.nameLoeFederalDebt":"LOE - Federal Debt","gxdocreq.descLoeFederalDebt":"Explanation regarding delinquent federal debt","gxdocreq.nameSeparationAgreement":"Separation Agreement","gxdocreq.descSeparationAgreement":"Legal separation agreement","gxdocreq.nameChildSupportOrder":"Child Support / Alimony Order","gxdocreq.descChildSupportOrder":"Court order detailing obligation","gxdocreq.nameDivorceDecree":"Divorce Decree","gxdocreq.descDivorceDecree":"Divorce decree referencing obligation","gxdocreq.nameDd214":"DD-214","gxdocreq.descDd214":"Certificate of Release or Discharge from Active Duty","gxdocreq.nameVaCoe":"VA Certificate of Eligibility","gxdocreq.descVaCoe":"Certificate of Eligibility for VA 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declaration questions. Unanswered: {count}.","gxvalidate.title.consent":"Consent Required","gxvalidate.msg.consent":"You must accept: {items}.","gxvalidate.consentItem.terms":"Terms of Service","gxvalidate.consentItem.esign":"E-Sign Consent","gxvalidate.consentItem.creditAuth":"Credit Authorization","gxfiledrop.readingDocument":"Reading your document","gxfiledrop.classifyingSubtitle":"Classifying type, extracting data, sorting it into the right column.","gxfiledrop.step.Scan":"Scan","gxfiledrop.step.Classify":"Classify","gxfiledrop.step.Extract":"Extract","gxfiledrop.step.Route":"Route","gxfiledrop.gotIt":"Got it","gxfiledrop.gotNFiles":"Got {count} files","gxfiledrop.autoSortedCount":"{sorted} of {total} auto-sorted into the right column.","gxfiledrop.statusSorted":"Sorted","gxfiledrop.statusIdentified":"Identified","gxfiledrop.statusNeedsReview":"Needs review","gxfiledrop.savedToPrefix":"Saved to ","gxfiledrop.savedToSuffix":".","gxfiledrop.looksLikePrefix":"Looks like a ","gxfiledrop.looksLikeSuffix":". We'll need you to drop it on the right slot.","gxfiledrop.unrecognized":"We couldn't tell what this is. Drag it onto a specific slot below.","gxfiledrop.aiConfidenceLabel":"AI confidence:","gxfiledrop.imageClarityLabel":"Image clarity:","gxfiledrop.discrepancyHeading":"{category} Discrepancy","gxfiledrop.category.INCOME":"Income","gxfiledrop.category.IDENTITY":"Identity","gxfiledrop.category.ASSETS":"Assets","gxfiledrop.category.PROPERTY":"Property","gxfiledrop.category.FRAUD":"Fraud","gxfiledrop.makeAChange":"Make a change","gxfiledrop.processing":"Processing...","gxfiledrop.autoCorrect":"Auto-Correct","gxfiledrop.selectMoreFiles":"Select More Files","gxfiledrop.uploadDocuments":"Upload Documents","gxfiledrop.dragDropPrefix":"Drag & drop ","gxfiledrop.dragDropPdfs":"PDFs","gxfiledrop.dragDropMid":" or ","gxfiledrop.dragDropImages":"images","gxfiledrop.dragDropSuffix":" anywhere, or click to browse.","gxfiledrop.aiAutoClassifies":"AI auto-classifies + sorts each file into the right column.","gxfiledrop.chip.Paystubs":"Paystubs","gxfiledrop.chip.W-2s":"W-2s","gxfiledrop.chip.Bank Statements":"Bank Statements","gxfiledrop.chip.IDs":"IDs","gxfiledrop.chip.Tax Returns":"Tax Returns","gxfiledrop.toastFilesEmpty":"{count} files looked empty — re-export them and try again.","gxfiledrop.toastActionableItems":"AI Processor found {count} actionable item(s) on {file}.","gxfiledrop.toastAutoClearedOne":"1 action item auto-cleared: {titles}","gxfiledrop.toastAutoClearedMany":"{count} action items auto-cleared: {titles}","gxfiledrop.toastAutoClearedMore":" (+{count} more)","gxfiledrop.toast1003Updated":"1003 Application updated successfully.","gxfiledrop.toastLoeSent":"LOE Request sent to Borrower Portal.","gxfiledrop.toastAppraisalCreated":"Appraisal task created.","gxfiledrop.toastActionFailed":"Failed to execute action.","gxfiledrop.toast1003FromDoc":"1003 updated from document.","r4stage.application.label":"Application","r4stage.application.headline":"You filled out the 1003 — the loan officially started.","r4stage.application.whatHappens":"Your loan officer takes the application data and runs 

1initial checks: identity verification (Socure / OFAC), credit pull authorization, and a rough qualifying calc to set the loan parameters. Nothing is locked yet.","r4stage.application.typicalDuration":"Usually same-day — broker reviews within a few hours of submission.","r4stage.application.prepare.0":"Have your last 2 years of W-2s + pay stubs handy — most lenders ask for these in the next stage.","r4stage.application.prepare.1":"If self-employed, gather 2 years of personal + business tax returns + Schedule C / K-1.","r4stage.application.prepare.2":"Pull together statements for every bank, brokerage, and retirement account from the last 60 days.","r4stage.application.prepare.3":"Government photo ID — driver's license or passport.","r4stage.application.gotchas.0":"Address mismatches across bank statements vs your 1003 — title companies will flag these.","r4stage.application.gotchas.1":'Recently-deposited large amounts that aren\'t direct deposit — underwriters will need a "source" letter.',"r4stage.application.gotchas.2":"Job changes within the last 2 years — bring offer letters / W-2s from the prior employer.","r4stage.priced.label":"Priced","r4stage.priced.headline":"Your rate + program is selected (and possibly locked).","r4stage.priced.whatHappens":"Your broker runs scenarios across their lender network and picks the best combination of rate, points, and lender for your file. If the market is moving, they'll discuss when to lock — once locked, the rate is held for typically 30 / 45 / 60 days.","r4stage.priced.typicalDuration":"Lock decision: 1-3 days from application. The lock itself can be effective for 30-60 days.","r4stage.priced.prepare.0":"Know your timeline — lock periods cost money the longer they run, so a 60-day lock costs more than a 30-day.","r4stage.priced.prepare.1":"Decide if you want to pay points to buy down the rate. Use the buy-down calculator on the borrower portal.","r4stage.priced.prepare.2":'If you\'re not ready to lock yet, ask your broker about a "float-down" option — pays a small fee to re-lock at a lower rate if the market drops.',"r4stage.priced.gotchas.0":"Lock expiration deadlines: if your loan misses the lock window, you re-price at the current market — which may be worse.","r4stage.priced.gotchas.1":"Rate sheets change daily (sometimes intra-day). The rate you hear Monday may not exist Tuesday morning.","r4stage.priced.gotchas.2":"Lender changes after lock generally require breaking the lock + re-locking with a new lender — usually a fee.","r4stage.leIssued.label":"LE issued","r4stage.leIssued.headline":"Your federal Loan Estimate has been delivered (regulated 3-day deadline).","r4stage.leIssued.whatHappens":'Federal law (TRID) requires the lender to issue a Loan Estimate within 3 business days of a "complete application." The LE shows your rate, monthly payment, all closing costs, and the cash-to-close. You have a chance to compare with other lenders if you\'re shopping.',"r4stage.leIssued.typicalDuration":"Issued within 3 business days of application. Borrower has 10 business days to respond / shop.","r4stage.leIssued.prepare.0":"Read the LE carefully — page 1 has the loan terms; page 2 is the closing-cost detail.","r4stage.leIssued.prepare.1":"Compare to any LEs from other lenders. The federally-required format makes them apples-to-apples.","r4stage.leIssued.prepare.2":"Save the LE — you'll get a Closing Disclosure later that should match it within tolerance bands.","r4stage.leIssued.gotchas.0":"Some closing costs (lender fees) are zero-tolerance — they cannot increase between LE and CD.","r4stage.leIssued.gotchas.1":"Other costs (recording, title) have 10% tolerance bands.","r4stage.leIssued.gotchas.2":'A "third disclosure" event (rate change > 0.125%, loan program change) re-starts the 3-business-day clock.',"r4stage.ausRun.label":"AUS","r4stage.ausRun.headline":"Automated Underwriting (DU or LP) ran — that's the lender's gate-pass.","r4stage.ausRun.whatHappens":"Your file is run through Fannie Mae's Desktop Underwriter (DU) or Freddie Mac's Loan Prospector (LP). The system returns a \"findings\" report: APPROVE / ELIGIBLE / REFER / REFER WITH CAUTION, plus a list of conditions you'll need to satisfy.","r4stage.ausRun.typicalDuration":"AUS run itself: minutes. Clearing the resulting conditions: 1-3 weeks depending on doc availability.","r4stage.ausRun.prepare.0":"Read the findings if your broker shares them — the conditions list is the roadmap to closing.","r4stage.ausRun.prepare.1":"Most conditions are documents you can upload right now (paystubs, statements, ID).","r4stage.ausRun.prepare.2":"Some conditions are explanations — Letter of Explanation for a late payment, a large deposit, etc. The portal has a Breeze-assisted drafter that helps you write them.","r4stage.ausRun.gotchas.0":'"Refer" doesn\'t mean denied — it means manual underwriter review. Common with 

1non-traditional income.',"r4stage.ausRun.gotchas.1":"AUS can be re-run as you clear conditions — sometimes the second run upgrades from REFER to APPROVE.","r4stage.ausRun.gotchas.2":"Fannie or Freddie eligibility can flip mid-process if rates / pricing change. Your broker watches for this.","r4stage.submitted.label":"Submitted","r4stage.submitted.headline":"Your full file is with the lender for human underwriting.","r4stage.submitted.whatHappens":'Your broker bundles the application, all documents, AUS findings, and supporting LOEs into a "submission package" and sends it to the lender\'s underwriting desk. A real underwriter reviews it line-by-line. You may get conditional approval (most common) — additional items to clear before close.',"r4stage.submitted.typicalDuration":"Initial decision typically 3-7 business days. Conditional approval is common — clearing those takes another 1-2 weeks.","r4stage.submitted.prepare.0":"Be reachable — the underwriter may have follow-up questions that need fast answers (within 24-48h).","r4stage.submitted.prepare.1":"Don't make any large purchases or open new credit lines. Underwriters re-pull credit before close, and a new auto loan can blow your DTI.","r4stage.submitted.prepare.2":"Don't change jobs or income source if avoidable.","r4stage.submitted.gotchas.0":"Underwriting turn times vary wildly by lender — some are 24h, others are 7-10 business days.","r4stage.submitted.gotchas.1":"Lenders sometimes re-verify employment (VOE) within 10 days of close — if you've given notice, they'll catch it.","r4stage.submitted.gotchas.2":"Tax-return discrepancies (income on returns vs paystubs) often surface here. Be ready to explain.","r4stage.cdIssued.label":"CD issued","r4stage.cdIssued.headline":"Closing Disclosure delivered — the federally-required final-numbers doc.","r4stage.cdIssued.whatHappens":"Federal law (TRID) requires you receive the CD at least 3 business days before closing. The CD is the final version of the LE, with locked-in numbers. You compare it to the LE — anything outside the tolerance bands needs a cure or re-disclosure.","r4stage.cdIssued.typicalDuration":"CD issued at least 3 business days before close. Most borrowers see it 5-7 days out.","r4stage.cdIssued.prepare.0":"Side-by-side compare the CD against the LE. Page 2 is the closing-cost detail.","r4stage.cdIssued.prepare.1":"Check the cash-to-close on page 1 — that's the exact amount you'll need to wire on closing day.","r4stage.cdIssued.prepare.2":"Don't make ANY changes to your finances during the 3-day cooling-off period — they trigger a re-disclosure and reset the 3-day clock.","r4stage.cdIssued.gotchas.0":"Material changes (loan program, APR rises > 0.125%) restart the 3-day clock. Pushes closing date.","r4stage.cdIssued.gotchas.1":"Small changes (typo correction, minor fee adjustment) don't restart the clock — but big ones do.","r4stage.cdIssued.gotchas.2":"The cash-to-close on the CD is exact. Wire that exact dollar amount; don't round.","r4stage.signed.label":"Signed","r4stage.signed.headline":"You signed the closing package — Note, Deed of Trust, CD acknowledgment.","r4stage.signed.whatHappens":"Closing day. You sign 60-100 pages of documents — the Note (your promise to pay), the Deed of Trust (the lien on the home), the CD acknowledgment, and various disclosures. Can be in-person at a title company or remote (RON — Remote Online Notarization). For purchase loans, the seller signs at the same time.","r4stage.signed.typicalDuration":"Signing appointment: 60-90 minutes. From signing to funding can be same-day or up to a few days for refis.","r4stage.signed.prepare.0":"Bring your government photo ID. Co-borrowers each need their own.","r4stage.signed.prepare.1":"Wire your cash-to-close (or bring a cashier's check) — title companies typically don't accept personal checks.","r4stage.signed.prepare.2":"Give yourself 60-90 minutes for the appointment. Read what you're signing — you're allowed to.","r4stage.signed.gotchas.0":"WIRE FRAUD: Always verify wiring instructions verbally, on the phone, with a number you looked up independently. Email-based wire instructions are routinely spoofed.","r4stage.signed.gotchas.1":"For refinances, federal law gives you a 3-day right of rescission — you can cancel and unwind within 3 business days post-signing.","r4stage.signed.gotchas.2":"For purchases, you're typically NOT in the home until funding clears (next stage), even after you sign.","r4stage.funded.label":"Funded","r4stage.funded.headline":"Loan disbursed — the home is officially yours / the refi is complete.","r4stage.funded.whatHappens":"The lender wires the loan funds to the title company, who disburses to the seller (purchase) or pays off the prior mortgage (refi). Once funds are confirmed received, the title company records the new deed + mortgage with the county. You get the keys (purchase) or the prior loan is cleared (refi).","r4stage.funded.typicalDuration":"For purchases: same-day or next-d

1ay after signing. For refis: typically funds 3 business days after signing (right of rescission window).","r4stage.funded.prepare.0":"Save your closing package — keep digital + physical copies. You'll need it for taxes (closing costs deductibility) and for any future refi.","r4stage.funded.prepare.1":"Set up your first mortgage payment: it's usually due 30-45 days after close. Most lenders auto-debit if you set up ACH; otherwise you'll get a coupon book.","r4stage.funded.prepare.2":"Update your homeowners insurance + utilities to the new property.","r4stage.funded.gotchas.0":"Check the recorded documents at the county recorder's office a few days post-close — confirm the deed is in your name and the mortgage is recorded against you.","r4stage.funded.gotchas.1":'You\'ll get a "1098 mortgage interest" form from the lender at year-end — keep it for your tax return.',"r4stage.funded.gotchas.2":'Servicing transfers happen — the lender who funded your loan is often NOT the one you\'ll send payments to. Watch for the "Goodbye letter / Hello letter" in the mail.',"r4insights.payStubExpired.title":"Pay stub is more than 30 days old","r4insights.payStubExpired.explanation":"Your most recent pay stub is dated too long ago for our records. Lenders need to see a pay stub from within the last 30 days before closing.","r4insights.payStubExpired.nextStep":"Send us your most recent pay stub.","r4insights.payStubExpired.uploadLabel":"Upload pay stub","r4insights.overtimeDetected.title":"Overtime detected on your pay stub","r4insights.overtimeDetected.explanation":"Some of your pay is overtime. We can usually count overtime toward what you qualify for if it has been steady for 2+ years.","r4insights.overtimeDetected.nextStep":"Be ready to share 24 months of pay history if your loan officer asks.","r4insights.commissionBonus.title":"Commission or bonus pay on your pay stub","r4insights.commissionBonus.explanation":"Variable income (commission/bonus) counts toward what you qualify for, but lenders look at a 2-year average to make sure it's consistent.","r4insights.commissionBonus.nextStep":"Have last year's W-2 + last 2 paystubs ready.","r4insights.selfEmploymentNoted.title":"Self-employment income noted","r4insights.selfEmploymentNoted.explanation":"Self-employment income takes a few extra documents to verify. Lenders want to see your tax returns + business records to count it.","r4insights.selfEmploymentNoted.nextStep":"Gather 2 years of personal + business tax returns and a business license.","r4insights.scheduleCNetLoss.title":"Tax return shows a business loss","r4insights.scheduleCNetLoss.explanation":"Your most recent tax return reports a loss from self-employment. This can lower the amount of income that counts toward your loan.","r4insights.scheduleCNetLoss.nextStep":"Talk through this with your loan officer — they can show you which years count.","r4insights.scheduleCConfirmed.title":"Self-employment income confirmed","r4insights.scheduleCConfirmed.explanation":"Your tax return shows steady self-employment income. We'll average this against the prior year to determine your qualifying amount.","r4insights.appraisalBelowContract.title":"The appraisal came in lower than the contract price","r4insights.appraisalBelowContract.explanation":"The appraiser valued the home at less than what you agreed to pay. You'll need to either bring extra cash to closing, re-negotiate the price, or ask for a second look at the appraisal.","r4insights.appraisalBelowContract.nextStep":"Talk to your agent + loan officer to decide which path works best.","r4insights.appraisalMeetsContract.title":"Appraisal looks good","r4insights.appraisalMeetsContract.explanation":"The appraised value meets or exceeds the contract price. Your loan can proceed without value-shortfall paperwork.","r4insights.decliningMarket.title":"Neighborhood is in a soft market","r4insights.decliningMarket.explanation":"The appraiser flagged the neighborhood as declining. Some lenders ask for a slightly larger down payment to offset the risk.","r4insights.decliningMarket.nextStep":"Your loan officer will let you know if your loan terms change.","r4insights.poorConditionC

15.title":"Property needs repairs before closing","r4insights.poorConditionC5.explanation":"The appraisal shows the home needs significant repair before lenders will fund the loan. Most loan programs require the home to be in livable condition at closing.","r4insights.poorConditionC5.nextStep":"Coordinate with your agent on which repairs the seller will complete (or which you'll handle after a price reduction).","r4insights.poorConditionC6.title":"Property needs major repairs before closing","r4insights.poorConditionC6.explanation":"The appraisal shows the home needs substantial repair before lenders will fund the loan. Most loan programs require the home to be in livable condition at closing.","r4insights.poorConditionC6.nextStep":"Coordinate with your agent on which repairs the seller will complete (or which you'll handle after a price reduction).","r4insights.insuranceExpired.title":"Homeowners insurance is expired","r4insights.insuranceExpired.explanation":"The hazard insurance policy on file expired. Lenders require an active policy on the day your loan funds.","r4insights.insuranceExpired.nextStep":"Contact your insurance agent for a new policy or renewal binder effective on closing.","r4insights.insuranceExpired.uploadLabel":"Upload new policy","r4insights.insuranceExpiresSoon.title":"Homeowners insurance expires soon","r4insights.insuranceExpiresSoon.explanation":"Your current homeowners insurance policy expires in the next 30 days. We may need a renewal binder before closing.","r4insights.insuranceExpiresSoon.nextStep":"Order a renewal binder from your insurance agent if you don't already have one.","r4insights.insuranceExpiresSoon.uploadLabel":"Upload renewal binder","r4insights.titleCloud.title":"Title issue found on the property","r4insights.titleCloud.explanation":"There's a lien, judgment, or other claim on the property's title. These need to be cleared before the lender can fund the loan.","r4insights.titleCloud.nextStep":"Your title company + loan officer will work to resolve this — you may need to provide documentation.","r4insights.communityProperty.title":"Spouse's signature will be needed","r4insights.communityProperty.explanation":"The home is being held as community property. Even if your spouse isn't on the loan, they'll need to sign some closing documents.","r4insights.communityProperty.nextStep":"Plan to have your spouse available on closing day.","r4insights.trid3DayViolation.title":"Closing date too soon after Closing Disclosure","r4insights.trid3DayViolation.explanation":"By law, you have to receive your Closing Disclosure at least 3 business days before closing. The current dates don't meet that — closing will likely be pushed.","r4insights.trid3DayViolation.nextStep":"Be ready for a possibly later closing date — your loan officer will confirm the new date.","r4insights.trid3DayMet.title":"Closing timeline looks correct","r4insights.trid3DayMet.explanation":"Your Closing Disclosure was issued with enough lead time before closing. Required by law and we're on track.","r4insights.cashToCloseTolerance.title":"Cash needed at closing changed significantly","r4insights.cashToCloseTolerance.explanation":"The amount you need to bring to closing is different from the original Loan Estimate by more than allowed. Your loan officer will explain whether the lender absorbs the difference or you do.","r4insights.cashToCloseTolerance.nextStep":"Ask your loan officer to walk through which fees changed and why.","r4insights.borrowerReceivesFunds.title":"You'll receive funds at closing","r4insights.borrowerReceivesFunds.explanation":"Based on the numbers, you'll actually receive money at closing instead of paying. This usually happens on cash-out refinances or rebate-rate scenarios.","r4insights.ch7SeasoningMet.title":"Past bankruptcy is far enough in the past","r4insights.ch7SeasoningMet.explanation":"It's been long enough since your bankruptcy was discharged that all major loan programs (conventional, FHA, VA) are open to you.","r4insights.ch7SeasoningPartial.title":"Past bankruptcy: some loan options open, conventional not yet","r4insights.ch7SeasoningParti

1al.explanation":"Government-backed loans (FHA, VA) are available to you now. Conventional loans need a bit more time before you qualify.","r4insights.ch7SeasoningPartial.nextStep":"Your loan officer will route you to the program that fits your timeline.","r4insights.ch7SeasoningNotMet.title":"Past bankruptcy: not enough time has passed yet","r4insights.ch7SeasoningNotMet.explanation":"Most loan programs require a waiting period after a bankruptcy is discharged. We may need to look at non-traditional programs or wait until the seasoning period is met.","r4insights.ch7SeasoningNotMet.nextStep":"Your loan officer will explain which paths might work.","r4insights.irrelevantDocument.title":"Document doesn't look like a loan document","r4insights.irrelevantDocument.explanation":"The file you uploaded looks like a receipt or unrelated paperwork — we couldn't use it for your application.","r4insights.irrelevantDocument.nextStep":"Remove this file and upload a valid loan document like a pay stub, bank statement, or tax return.","r4insights.irrelevantDocument.uploadLabel":"Upload correct document","r4prequal.strength.reserves12":"Reserves ≥12mo PITIA","r4prequal.strength.coBorrower":"Co-borrower on app","r4prequal.strength.reservesMonths":"Reserves {months}mo PITIA","r4prequal.weakness.reservesAddDollars":"Add at least 2\xd7 ${amount2x} = ${amountTotal} in liquid reserves to clear the next overlay.","r4prequal.weakness.fico760":"Get FICO to 760+ for tier-1 pricing.","r4prequal.weakness.fico740":"Get FICO to 740+ to drop most LLPAs.","r4prequal.weakness.fico720":"Get FICO to 720+ to remove the next LLPA tier.","r4prequal.weakness.fico700":"Run a rapid-rescore — getting to 700+ saves ~4 pts.","r4prequal.weakness.fico680":"Pay down revolving balances; 680 is the next price break.","r4prequal.weakness.fico660":"Below 660 most conv overlays kick in. Consider FHA path.","r4prequal.weakness.fico640":"Below 640 — switch to FHA/non-QM and reset the scenario.","r4prequal.weakness.fico620":"Below 620 disqualifies most conv lenders. FHA min 580 / VA 600.","r4prequal.weakness.ltv70":"Get LTV to ≤70 to clear the next LLPA.","r4prequal.weakness.ltv75":"Get LTV to ≤75 for a price improvement.","r4prequal.weakness.ltv80":"Drop LTV to ≤80 to eliminate PMI.","r4prequal.weakness.ltv80pmi":"Restructure to ≤80 LTV to remove PMI + LLPA hit.","r4prequal.weakness.ltv90":"Above 90 LTV PMI rates climb — consider larger down payment.","r4prequal.weakness.ltv95":"Above 95 most conv lenders cap; switch to FHA (max 96.5).","r4prequal.weakness.dti36":"Pay down a credit card to drop DTI under 36.","r4prequal.weakness.dti43":"Above 43% DTI fails QM-safe-harbor; lender requires comp factors.","r4prequal.weakness.dti50":"Above 50% DTI is non-QM territory — switch product.","r4prequal.weakness.llpaHeavy":"See the Pricing tab — the LLPAs above are tied to FICO/LTV/occupancy. Improving any of them recovers points.","r4prequal.weakness.llpaStacked":"Total LLPA is heavy enough that another lender may quote better — re-run pricing once lender #2 is wired.","r4prequal.weakness.tenure24":"Stable employment ≥24 months removes lender comp-factor concerns.","r4prequal.weakness.tenure12":"Lenders prefer ≥12 months at current job. Document continuity from prior employer if same line of work.","r4prequal.weakness.tenure6":"<6 months at current job — most lenders require comp factors (large reserves, low LTV) to offset.","r4prequal.weakness.reservesAim":"Aim for at least 2 months of PITIA in liquid reserves.","r4prequal.weakness.reservesNone":"Most wholesale lenders require ≥2mo reserves on primary residences; investment requires ≥6mo.","r4prequal.weakness.bankruptcy":"Confirm seasoning — 4yr conv / 2yr FHA from discharge date. Pull the discharge order to verify.","r4prequal.weakness.foreclosure":"Foreclosure seasoning — 7yr conv (3yr w/ extenuating circumstances), 3yr FHA. Verify with credit report.","r4prequal.weakness.selfEmployed":"Self-employed needs 2 years of returns + Schedule C average. Add reserves; lenders are stricter on cash flow.","r4prequal.weakness.jumbo":"Above the conforming-loan limit triggers jumbo overlays. Confirm UWM (or jumbo-capable lender) accepts the FICO + LTV combo.","r4prequal.weakness.cashOut":"Rate-term refinance avoids the cash-out LLPA bracket.","r4prequal.weakness.manufactured":"Manufactured properties have narrower lender appetite — confirm UWM accepts the foundation type.","r4prequal.weakness.ausApproveIneligible":"AUS a

1pproved with conditions that make it ineligible — review findings to identify the overlay.","r4prequal.weakness.ausReferCaution":"AUS referred with caution — manual UW likely. Strengthen the file (income docs, reserves) before submit.","r4prequal.weakness.highCost":"Reduce points/fees or note rate to drop below APR threshold; see Pricing tab.","r4prequal.weakness.atrIncomplete":"Open the Compliance tab; missing ATR factors are itemized there.","r4prequal.weakness.stateHighCost":"State high-cost loan — additional disclosures required at submit.","r4prequal.weakness.noProduct":"Check the Pricing tab — likely a hard product cap (FICO/LTV/loan-amount) is being hit.","r4health.stage.applicationReview":"Application Review","r4health.stage.applicationStarted":"Application Started","r4health.stage.draft":"Draft","r4health.stage.applicationSubmitted":"Application Submitted","r4health.stage.submitted":"Submitted","r4health.stage.processing":"Processing","r4health.stage.preUnderwriting":"Pre-Underwriting","r4health.stage.underwriting":"Underwriting","r4health.stage.seniorUnderwriting":"Senior Underwriting","r4health.stage.conditionalApproval":"Conditional Approval","r4health.stage.approved":"Approved","r4health.stage.clearToClose":"Clear To Close","r4health.stage.closing":"Closing","r4health.stage.funded":"Funded","r4health.factor.conditionsInProgressOne":"{count} condition in progress","r4health.factor.conditionsInProgressMany":"{count} conditions in progress","r4health.factor.openConditionsOne":"{count} open condition","r4health.factor.openConditionsMany":"{count} open conditions","r4health.factor.noOpenConditions":"No open conditions","r4health.factor.docsInProgressOne":"{count} document in progress","r4health.factor.docsInProgressMany":"{count} documents in progress","r4health.factor.docsNeededOne":"{count} document still needed","r4health.factor.docsNeededMany":"{count} documents still needed","r4health.factor.daysSinceUpdateOne":"{count} day since the last update","r4health.factor.daysSinceUpdateMany":"{count} days since the last update","r4health.factor.rateLocked":"Rate locked at {rate}%","r4health.factor.closingConfirmed":"Closing date confirmed","r4health.action.clearConditionsOne":"Clear {count} open condition","r4health.action.clearConditionsMany":"Clear {count} open conditions","r4health.action.uploadDocsOne":"Upload {count} pending document","r4health.action.uploadDocsMany":"Upload {count} pending documents","r4health.action.lockRate":"Lock your rate when ready","r4health.action.pickClosingDate":"Pick a closing date","r4tour.step3.plaid.title":"Skip the typing — connect your bank","r4tour.step3.plaid.body":"We can pull your account types, balances, and last-4 account numbers automatically via <strong>Plaid</strong> — bank-level encryption, used by Venmo, Robinhood, Coinbase. Your bank login goes <strong>directly to Plaid</strong> (not us), and we only get balances + types back. Most borrowers save 5+ minutes here.","r4tour.step3.plaid.ask":"Is it safe to connect my bank through Plaid?","r4tour.step3.plaid.action.primary":"Yes — connect my bank","r4tour.step3.plaid.action.secondary":"No thanks, I’ll add manually","r4tour.step3.addAsset.title":"Add an asset (optional)","r4tour.step3.addAsset.body":"<strong>Skip if you have no accounts to list</strong> (rare — most borrowers list at least their main checking). If you do, click <strong>Add Asset</strong> and I’ll walk you through filling in one account. You can add more after.","r4tour.step3.addAsset.ask":"Do I have to list every account, or just the ones I’m using for the down payment?","r4tour.step3.addAsset.action.primary":"Add an asset","r4tour.step3.addAsset.action.secondary":"Skip — no manual assets","r4tour.step5.addProperty.title":"Add a property (optional)","r4tour.step5.addProperty.body":"<strong>Skip if you don’t own any other real estate.</strong> If you do own properties besides the one you’re financing on this loan — rentals, vacation homes, paid-off houses — click <strong>Add Property</strong> and I’ll walk you through one entry. You can add more after.","r4tour.step5.addProperty.ask":"I co-own a property with a sibling — do I list it?","r4tour.step5.addProperty.action.primary":"Add a property","r4tour.step5.addProperty.action.secondary":"Skip — no other properties","r4tour.step1.0.title":"Your legal first name","r4tour.step1.0.body":"Use the name <strong>exactly as it appears on your government-issued ID</strong>. Even a typo can hold up the loan at closing.","r4tour.step1.0.ask":"Why does my legal name have to match my ID for a mortgage?","r4tour.step1.1.title":"Middle name","r4tour.step1.1.body":"<strong>Skip if you don't have a middle name (or it's not on your ID).</strong> If it IS on your ID, include it — the title company will ask later if you don't, which can slow down closing.","r4tour.step1.1.ask":"Do I have to include my middle name on my mortgage?","r4tour.step1.2.title":"Last name","r4tour.step1.2.body":"Same rule: match your government ID. Hyphens, suffixes, accents — leave them in.","r4tour.step1.2.ask":"My last name on my ID is different from what I usually use — what do I do?","r4tour.step1.3.title":"Suffix","r4tour.step1.3.body":"<strong>Skip if your ID doesn’t have one.</strong> Fill if it does — Jr, Sr, II, III, etc. The title company will catch a mismatch later, so it’s cleaner to set it now.","r4tour.step1.3.ask":'Do I include "Jr" if my dad has the same name as me?',"r4tour.step1.4.title":"Other names you’ve gone by","r4tour.step1.4.body":"<strong>Skip if you’ve always used the same name.</strong> If you’ve had a maiden name, a previous legal name, or a long-standing nickname that appears on financial accounts, list them here — the credit bureau may have records under those names.","r4tour.step1.4.ask":"I changed my name when I got married — what do I put as an alternate?","r4tour.step1.5.title":"Email address","r4tour.step1.5.body":"We send loan-status updates here, plus the link to e-sign disclosures. Use one you check often.","r4tour.step1.5.ask":"How often will I get emails about my loan?","r4tour.step1.6.title":"Cell phone","r4tour.step1.6.body":"Your broker will call/text you here. Used for OTP login codes too if you sign in from a new device.","r4tour.step1.6.ask":"Will I get spam calls if I give you my phone number?","r4tour.step1.7.title":"Home phone","r4tour.step1.7.body":"<strong>Skip if you don’t have a landline.</strong> Most borrowers don’t and can leave this blank. If you do, having a second number on file helps if your cell can’t be reached during a closing call.","r4tour.step1.7.ask":"Does my home phone matter if my cell is my main number?","r4tour.step1.8.title":"Work phone","r4tour.step1.8.body":"<strong>Skip if you’d rather not be reached at work.</strong> If you list it, the lender’s verifier may call to confirm employment — they ask for HR/payroll, not you personally.","r4tour.step1.8.ask":"Will my work be told I’m applying for a mortgage?","r4tour.step1.9.title":"Date of birth","r4tour.step1.9.body":"Required for the credit pull and federal compliance. Format: MM/DD/YYYY. Mu

1st be 18+.","r4tour.step1.9.ask":"Why do you need my date of birth?","r4tour.step1.10.title":"Social Security Number","r4tour.step1.10.body":"<strong>Required</strong> for the credit pull. Stored hashed; never displayed back to you.","r4tour.step1.10.ask":"Is it safe to put my SSN in this form?","r4tour.step1.11.title":"Marital status","r4tour.step1.11.body":"Pick one. If married in a community-property state (CA, AZ, ID, LA, NV, NM, TX, WA, WI), we may ask for limited spouse info even if they're not on the loan.","r4tour.step1.11.ask":"Why does my marital status matter for getting a mortgage?","r4tour.step1.12.title":"Citizenship","r4tour.step1.12.body":"U.S. citizens get the broadest loan options. Permanent + non-permanent residents qualify too — just need extra docs (green card or work visa).","r4tour.step1.12.ask":"Can I get a mortgage as a non-citizen?","r4tour.step1.13.title":"Street address & unit","r4tour.step1.13.body":"Your current residence — <strong>street address</strong> and <strong>unit / apt number</strong> if applicable. Lenders need 2 years of unbroken residence history; if you've lived here less than 2 years we'll ask for your previous address too. Unit # is optional.","r4tour.step1.13.ask":"Why do you need 2 years of address history for my mortgage?","r4tour.step1.14.title":"City","r4tour.step1.14.body":"City of your current residence.","r4tour.step1.14.ask":"Does the city need to match my driver's license?","r4tour.step1.15.title":"State","r4tour.step1.15.body":"Two-letter state code (e.g. CA, NY). Matters for state-specific compliance rules.","r4tour.step1.15.ask":"Why does the state matter for my mortgage?","r4tour.step1.16.title":"ZIP code","r4tour.step1.16.body":"Your current residence ZIP. Used to pull property tax + flood-zone info if you ever buy here.","r4tour.step1.16.ask":"How does the ZIP affect my loan?","r4tour.step1.17.title":"Housing status","r4tour.step1.17.body":"Own / Rent / Rent Free. If you rent, we'll ask for your monthly rent (used in debt-to-income).","r4tour.step1.17.ask":"Does my current housing status affect my mortgage approval?","r4tour.step1.18.title":"How long at this address","r4tour.step1.18.body":"Years + months at this address. If under 2 years total, the wizard will add a previous-address card next.","r4tour.step1.18.ask":"What if I've moved several times in the last 2 years?","r4tour.step2.0.title":"Your current employer","r4tour.step2.0.body":'Use the <strong>legal name</strong> on your paycheck or W-2, not the brand. If your stub says "Acme Holdings LLC" but everyone calls it Acme, put the legal name — payroll verification will check against it. If no row exists yet, click <strong>Add Employment</strong> below to start.',"r4tour.step2.0.ask":"What if my employer's legal name is different from what I tell people?","r4tour.step2.1.title":"Employer phone","r4tour.step2.1.body":"A main HR or payroll line works. The lender or a verifier may call to confirm employment — they won't ask for personal details.","r4tour.step2.1.ask":"Will my employer be called about this mortgage?","r4tour.step2.2.title":"Employer street + city","r4tour.step2.2.body":"Street + city of your employer (the corporate or HQ address from your pay stub). If you work remotely, use the employer’s headquarters, not your home.","r4tour.step2.2.ask":"What if I work remotely — do I use my home address as my employer address?","r4tour.step2.3.title":"Employer state + ZIP","r4tour.step2.3.body":"State + ZIP of the employer address. Lender will use this for the Verification of Employment (VOE) — they call the HR/payroll line at this location.","r4tour.step2.3.ask":"Why does the lender need my employer’s address?","r4tour.step2.4.title":"Self-employed? Tell us now","r4tour.step2.4.body":"Self-employed borrowers need different docs: <strong>2 years of personal tax returns</strong>, business tax returns if you own 25%+, and a <strong>YTD profit-and-loss statement</strong>. Saying yes here unlocks the right document checklist later.","r4tour.step2.4.ask":"I'm a 1099 contractor — am I self-employed for mortgage purposes?","r4tour.step2.5.title":"Do you own a 

1stake in this company?","r4tour.step2.5.body":"<strong>Skip if you don’t own any of the company.</strong> Fill if you do — important because <strong>25%+ ownership</strong> means the lender treats you as self-employed regardless of how you’re paid (and they’ll need business tax returns). Under 25%, you’re still an employee for underwriting.","r4tour.step2.5.ask":"I own 10% of my employer — am I self-employed for the mortgage?","r4tour.step2.6.title":"Your job title","r4tour.step2.6.body":"Use the title on your offer letter or business card. If you've been promoted, use your current title — the verifier sees current payroll, not history.","r4tour.step2.6.ask":"My title at work is different from what I tell people — which one do I use?","r4tour.step2.7.title":"How long you’ve worked here","r4tour.step2.7.body":"Total time at <em>this</em> employer in years and months. Job-hopping isn’t disqualifying, but lenders prefer to see <strong>2 years on the same job</strong> or in the same line of work.","r4tour.step2.7.ask":"I just switched jobs — does that hurt my chances?","r4tour.step2.8.title":"Start date","r4tour.step2.8.body":"When you started at <em>this</em> employer. Used to compute total tenure precisely (a lender prefers explicit dates over rounded years/months).","r4tour.step2.8.ask":"I don't remember my exact start date — what should I put?","r4tour.step2.9.title":"End date","r4tour.step2.9.body":"<strong>Leave blank for your current job.</strong> If this is a previous employer, the date you left. Lender uses this to confirm there are no employment gaps in your 2-year history.","r4tour.step2.9.ask":"Is the end date the last day I worked or the date my benefits ended?","r4tour.step2.10.title":"Years in this line of work","r4tour.step2.10.body":"Total time in your CAREER — not just at this employer. Job-hoppers within the same industry still qualify because <strong>line-of-work continuity counts</strong>. Example: 3 different software-engineer roles in 6 years = 6 years in line of work.","r4tour.step2.10.ask":"I switched careers — do my old years still count?","r4tour.step2.11.title":"Are you employed by family?","r4tour.step2.11.body":"If a parent, sibling, or spouse owns the business, check this. Lenders ask for <strong>extra docs</strong> (W-2s + signed letter from employer) because family-employment can be falsified.","r4tour.step2.11.ask":"My parents own the company I work for — does that change anything?","r4tour.step2.12.title":"Employed by party to transaction?","r4tour.step2.12.body":"<strong>Skip unless your employer IS the seller, builder, or realtor on this transaction.</strong> Triggers extra scrutiny (potential conflict of interest, often needs a 2nd appraisal). Most borrowers answer No.","r4tour.step2.12.ask":"What's a 'party to transaction' and would I know if my employer was one?","r4tour.step2.13.title":"Your monthly base pay","r4tour.step2.13.body":"Gross (pre-tax) monthly salary. If you’re paid hourly, multiply hourly \xd7 weekly-hours \xd7 4.33. Bi-weekly paychecks \xd7 2.167.","r4tour.step2.13.ask":"How do I convert my hourly wage to monthly income for a mortgage?","r4tour.step2.14.title":"Variable income","r4tour.step2.14.body":"Overtime, bonus, and commission. <strong>Skip if you only earn salary.</strong> If you do get variable pay, listing it can <strong>significantly boost your borrowing power</strong> — lenders count it once you have 2 years of history. Enter the monthly average across the past 24 months.","r4tour.step2.14.ask":"My bonus varies a lot year to year — will the lender use it?","r4tour.step2.15.title":"Military pay","r4tour.step2.15.body":"<strong>Skip if you’re not active/reserve military.</strong> If you are, monthly base pay + BAH (Basic Allowance for Housing) + BAS (Subsistence) + any special pay. VA loan applicants list this here.","r4tour.step2.15.ask":"Does BAH count as taxable income for mortgage qualification?","r4tour.step2.16.title":"Other income","r4tour.step2.16.body":"<strong>Skip if you have no other employment-based income.</strong> Examples that go here: tips reported on W-2, regular shift differentials, on-call pay. (NOT alimony, child support, or rental income — those have their own sections.)","r4tour.step2.16.ask":"Where do I put tips that aren’t on my paycheck?","r4tour.step2.17.title":"Now add older jobs to cover 2 years","r4tour.step2.17.body":"Lenders need <strong>2 years of unbroken employment</strong>. If you’ve been at this job less than 2 years, click <strong>Add Employment</strong> and enter previous jobs back-to-back until you cover 24 months. Gaps need a written explanation.","r4tour.step2.17.ask":"I have a 4-month gap between jobs — how do I explain it?","r4tour.step3.0.title":"Account type","r4tour.step3.0.body":"Pick the closest match: <strong>Checking</strong> for day-to-day, <strong>Savings</strong> for a separate cash bucket, <strong>Retirement</strong> for 401(k)/IRA, <strong>Brokerage</strong> for stocks. If you don’t see your type, pick Other. If no row exists 

1yet, click <strong>Add Asset</strong> to start.","r4tour.step3.0.ask":"My money is in a Roth IRA — what account type do I pick?","r4tour.step3.1.title":"Which bank or brokerage","r4tour.step3.1.body":'Use the legal name that appears on your statement (e.g., <em>"Chase Bank, N.A."</em>, <em>"Fidelity Brokerage Services LLC"</em>). The lender matches this against the document you’ll upload later.',"r4tour.step3.1.ask":"Does the bank name have to match my statement exactly?","r4tour.step3.2.title":"Account number (last 4 only)","r4tour.step3.2.body":"<strong>Just the last 4 digits.</strong> We don’t store full account numbers in the application. The lender confirms full numbers later from your statement uploads.","r4tour.step3.2.ask":"Why do you only want the last 4 digits of my account number?","r4tour.step3.3.title":"How much is in it","r4tour.step3.3.body":"Use the current balance (or market value for brokerage/retirement accounts). Round to nearest dollar. The lender will verify this against your <strong>2 most recent statements</strong>.","r4tour.step3.3.ask":"My account balance fluctuates — which number do I use?","r4tour.step3.4.title":"Add every account that holds money","r4tour.step3.4.body":"Lenders verify your assets against <strong>2 months of bank statements</strong>. Include checking, savings, retirement (401k/IRA), brokerage, even crypto. Forgetting an account isn’t a crime, but you can’t use the funds toward closing if it isn’t listed.","r4tour.step3.4.ask":"Do I need to disclose accounts I’m not using for the down payment?","r4tour.step3.5.title":"About gifts and grants","r4tour.step3.5.body":"A <strong>gift</strong> is money someone gives you for this loan that you don’t have to pay back. Required: a signed <strong>gift letter</strong> from the donor + a paper trail showing the funds moved (wire confirmation, deposit receipt). No letter = lender won’t count it toward closing.","r4tour.step3.5.ask":"My parents are giving me $20K for the down payment — what paperwork do I need?","r4tour.step3.6.title":"Tell us about your gift","r4tour.step3.6.body":"Pick the type (Cash is most common), the source (Relative, Employer, Agency, Other), and the amount. Each gift gets its own row.","r4tour.step3.6.ask":"Can my employer give me gift money for a down payment?","r4tour.step3.7.title":"Add a gift or grant (optional)","r4tour.step3.7.body":"<strong>Skip if no one is giving you money for this loan.</strong> If a relative, employer, or grant agency is helping with closing costs or down payment, click <strong>Add Gift/Grant</strong>. Each donor needs their own row + their own gift letter.","r4tour.step3.7.ask":"My parents are gifting separately — do I list one gift or two?","r4tour.step3.7.action.primary":"Add a gift","r4tour.step3.7.action.secondary":"Skip — no gifts","r4tour.step4.0.title":"Add a debt (optional)","r4tour.step4.0.body":"<strong>Skip if you have no credit cards, car loans, or student loans.</strong> Most borrowers have at least one — every monthly debt rolls into your <strong>debt-to-income (DTI)</strong> ratio, which is the #1 underwriting gate. Click Add Liability and I’ll walk you through one entry.","r4tour.step4.0.ask":"I never use my credit card — do I still have to list it?","r4tour.step4.0.action.primary":"Add a debt","r4tour.step4.0.action.secondary":"Skip — no debts","r4tour.step4.1.title":"Debt type","r4tour.step4.1.body":"<strong>Revolving</strong> = credit cards (balance changes monthly). <strong>Installment</strong> = fixed monthly payment with an end date (car loan, student loan). <strong>Lease</strong> = car or equipment lease. If credit-pull already filled this, you usually don’t need to change it.","r4tour.step4.1.ask":"My car loan is from a credit union — is that installment or revolving?","r4tour.step4.2.title":"Who you owe","r4tour.step4.2.body":'The creditor name as it appears on the statement (e.g., <em>"Chase Card Services"</em>, <em>"Toyota Financial Services"</em>). The credit pull will populate this for tradeline debts.',"r4tour.step4.2.ask":"The credit pull shows the wrong creditor name — can I correct it?","r4tour.step4.3.title":"Account number","r4tour.step4.3.body":"<strong>Skip if credit-pull already filled it.</strong> Otherwise: last 4 digits work. Don’t worry about formatting — the lender matches against bureau records. Helpful when you have multiple cards from the same issuer so the lender can tell them apart.","r4tour.step4.3.ask":"My account number on the credit report is masked — is that a problem?","r4tour.step4.4.title":"How much you still owe","r4tour.step4.4.body":"Current balance (the lender will re-verify against bureau data). For credit cards, this is the statement balance — even if you pay in full each month, the most recent statement balance still counts.","r4tour.step4.4.ask":"I pay my credit card off every month — does the balance still count?","r4tour.step4.5.title":"Your monthly payment","r4tour.step4.5.body":"The minimum required monthly payment (not what you usually pay). This goes straight into your <strong>debt-to-income (DTI) ratio</strong>

1 — the lender adds all minimums + new mortgage and divides by gross monthly income.","r4tour.step4.5.ask":"I always pay more than the minimum — does the lender use the minimum or my actual payment?","r4tour.step4.6.title":"Months left (optional)","r4tour.step4.6.body":"<strong>Skip for revolving debt (credit cards never end).</strong> For installment loans, listing the number of remaining payments lets the lender <strong>exclude debts with &lt;10 months left</strong> from DTI. Worth filling if your car loan is almost paid off.","r4tour.step4.6.ask":"Does my car loan still count if I only have 6 payments left?","r4tour.step4.7.title":"Paying this off before closing?","r4tour.step4.7.body":"Check this to <strong>exclude this debt from DTI</strong>. The lender will require proof of payoff before closing (canceled check, zero-balance statement). Strategic if your DTI is tight — paying off a $300/mo card can save you $90K of borrowing power.","r4tour.step4.7.ask":"Will paying off this credit card before closing help me qualify for a bigger loan?","r4tour.step4.8.title":"Resubordinated (optional)","r4tour.step4.8.body":"<strong>Skip — this is rare and the lender will tell you if it applies.</strong> Resubordinated means your existing 2nd-position lien (HELOC, piggyback 2nd) is being moved back to second position behind a new first mortgage. The lender excludes resubordinated debt from DTI.","r4tour.step4.8.ask":'What does "resubordinated" mean and would I know if it applied to me?',"r4tour.step4.9.title":"What the credit bureau misses","r4tour.step4.9.body":"The bureaus see most tradelines, but they miss: <strong>family loans, IRS payment plans, child support, alimony, private student loans not yet reporting</strong>. Click <strong>Add Liability</strong> for each one — these all count toward DTI even if invisible on the credit report.","r4tour.step4.9.ask":"I owe my brother $10K — do I have to disclose that on a mortgage application?","r4tour.step5.0.title":"Where this property is","r4tour.step5.0.body":"Full property address — street, city, state, zip. This is <strong>not</strong> the property you’re financing on this loan — that one’s on the next step. List every other property you own.","r4tour.step5.0.ask":"Do I list properties I co-own with someone else?","r4tour.step5.1.title":"What it’s worth today","r4tour.step5.1.body":"Your best estimate of current market value (not what you paid). Look up the Zillow/Redfin Zestimate or recent comparable sales as a starting point — lender will confirm with an appraisal if needed.","r4tour.step5.1.ask":"How do I estimate the value of my rental property?","r4tour.step5.2.title":"Keeping, selling, or pending?","r4tour.step5.2.body":"<strong>Retained</strong> = keeping it. <strong>Pending</strong> = sale is in escrow but hasn’t closed. <strong>Sold</strong> = already closed. The math changes per status — selling lifts the mortgage off your DTI; keeping adds it.","r4tour.step5.2.ask":"My old condo is listed but not under contract — is that retained or pending?","r4tour.step5.3.title":"How it’s used","r4tour.step5.3.body":"<strong>Primary</strong> = you live there year-round. <strong>Second Home</strong> = vacation home you visit. <strong>Investment</strong> = rented out or vacant-for-rental. Tax + insurance rules differ; the lender cross-checks against your tax returns.","r4tour.step5.3.ask":"I lived in my old house for years and now rent it out — what occupancy do I pick?","r4tour.step5.4.title":"Carrying costs","r4tour.step5.4.body":"Monthly property tax + homeowners insurance + HOA dues comb

1ined. These count against you in DTI if you’re keeping the property. Even paid-off properties have these costs.","r4tour.step5.4.ask":"My property tax bill is annual — how do I get the monthly number?","r4tour.step5.5.title":"Rental income (if any)","r4tour.step5.5.body":"<strong>Skip if you live in this property or it sits empty.</strong> If you rent it out, gross monthly rent here can <strong>help you qualify</strong> — the lender counts <strong>75% of gross rent</strong> as income (the 25% haircut covers vacancy + maintenance). Need a signed lease or 2 years of Schedule E.","r4tour.step5.5.ask":"I rent my basement on Airbnb — does that count as rental income?","r4tour.step5.6.title":"Add a mortgage on this property (optional)","r4tour.step5.6.body":"<strong>Skip if the property is paid off.</strong> Otherwise click <strong>Add Mortgage</strong> to record the loan secured by THIS property (not the new one you’re applying for). Critical for DTI — the lender adds this payment to your obligations.","r4tour.step5.6.ask":"I have a HELOC on this property — is that a separate entry?","r4tour.step5.6.action.primary":"Add a mortgage","r4tour.step5.6.action.secondary":"Skip — paid off","r4tour.step5.7.title":"Add another property (optional)","r4tour.step5.7.body":"<strong>Skip if you don’t own any other properties.</strong> If you own more than one, click <strong>Add Another Property</strong> for each. Even paid-off properties matter — the lender sees them in title records and wants explanations for anything missing.","r4tour.step5.7.ask":"I inherited a property from my grandparents — do I have to list it?","r4tour.step5.7.action.primary":"Add another property","r4tour.step5.7.action.secondary":"Skip — no more properties","r4tour.step6.0.title":"How much you want to borrow","r4tour.step6.0.body":"The loan amount (not the purchase price). For a $500K home with 20% down, you’d enter <strong>$400,000</strong>. Conforming limit in most counties is $766,550 (2024) — above that you’re in jumbo territory with stricter requirements.","r4tour.step6.0.ask":"What’s the difference between the loan amount and the purchase price?","r4tour.step6.1.title":"What you think the home is worth","r4tour.step6.1.body":"For a purchase, this is your <strong>offer price</strong>. For a refinance, your best estimate of current market value. The lender orders an appraisal that confirms — if it comes in lower, you may need to bring more cash to closing.","r4tour.step6.1.ask":"What happens if the appraisal comes in lower than my offer?","r4tour.step6.2.title":"Buying or refinancing?","r4tour.step6.2.body":"Choose <strong>Purchase</strong> if you’re buying a new home. Choose <strong>Refinance</strong> if you already own this property and want to replace the existing mortgage — refis come in flavors (rate-and-term lowers your payment, cash-out lets you take equity).","r4tour.step6.2.ask":"What's a cash-out refinance and when does it make sense?","r4tour.step6.3.title":"Type of property","r4tour.step6.3.body":"<strong>Single Family</strong> = standalone house. <strong>Condo</strong> = unit in a building (lender will review the condo project). <strong>Townhouse</strong> = attached but you own the land. <strong>Multi-Family</strong> = 2–4 units. <strong>Other</strong> = anything unusual (rare).","r4tour.step6.3.ask":"I’m buying a duplex and living in one unit — what property type is that?","r4tour.step6.4.title":"How you’ll use it","r4tour.step6.4.body":"<strong>Primary residence</strong> — best rates, lowest down (3.5% FHA, 5% conv). Nothing is pre-selected. Change to Second Home if it’s a vacation property (~10% down minimum) or Investment Property if you’ll rent it out (<strong>25% down + ~0.75% higher rate</strong>). Lender verifies via post-closing residency check.","r4tour.step6.4.ask":"Can I get a primary-residence loan if I plan to rent it out next year?","r4tour.step6.5.title":"Street + city of the property","r4tour.step6.5.body":"Street address + city of the home you’re financing. For a new construction without a finished address yet, use the parcel description from your purchase contract.","r4tour.step6.5.ask":"I'm buying new construction without a street number yet — what do I enter?","r4tour.step6.6.title":"State + ZIP","r4tour.step6.6.body":"State and ZIP c

1ode of the subject property. Use the 5-digit ZIP — Unified Loan System will resolve county + tract automatically for HMDA + flood zone lookups.","r4tour.step6.6.ask":"Why does my ZIP code matter for the loan?","r4tour.step6.7.title":"Property insight — estimated value","r4tour.step6.7.body":"Once your address is in, Unified Loan System pulls <strong>public records</strong> for the property — including the <strong>estimated value</strong> (Zestimate-style) plus lot size, year built, beds/baths, and last sale. We cross-check this against your <strong>loan amount + purchase price</strong> so rate locks downstream stay on a reasonable LTV.","r4tour.step6.7.ask":"Where does this property data come from and how accurate is it?","r4tour.step6.8.title":"Annual property tax + HOA","r4tour.step6.8.body":"Two costs that count against your DTI: <strong>annual property tax</strong> (from the county) and <strong>HOA dues</strong> (estimated from comps in your ZIP). Lenders count both in your monthly payment. If your real HOA is higher than estimated, your DTI tightens, so always <strong>confirm HOA at closing</strong>.","r4tour.step6.8.ask":"How do property tax + HOA affect my qualifying DTI?","r4tour.step6.9.title":"Recently sold nearby","r4tour.step6.9.body":"These are <strong>real recent sales</strong> within ~0.5 miles of your address — same beds/baths/sqft tier where we can match. Lenders use comps just like this to <strong>back-test the appraisal</strong>. If your purchase price is way above local comps, expect appraisal pushback.","r4tour.step6.9.ask":"Where do these comps come from and what if my appraisal doesn’t match?","r4tour.step6.10.title":"Is there a business in it?","r4tour.step6.10.body":"<strong>Skip if your property is purely residential.</strong> Check this only if part of the property is commercially zoned (e.g., a shop downstairs with apartment upstairs). Working from a home office doesn’t count. Mixed-use loans need <strong>special programs</strong> and tighter underwriting.","r4tour.step6.10.ask":"I work from home — does that make it mixed-use?","r4tour.step6.11.title":"Manufactured / mobile home?","r4tour.step6.11.body":"<strong>Skip if you’re buying a traditional on-site-built home.</strong> Check only for factory-built manufactured/mobile homes (NOT modular — those are also factory-built but on a permanent foundation and considered traditional). Manufactured homes need <strong>specific loan programs</strong> (FHA Title I/II, Freddie ChoiceHome).","r4tour.step6.11.ask":"How do I tell if a home is manufactured or modular?","r4tour.step6.12.title":"First-time homebuyer?","r4tour.step6.12.body":"<strong>Skip if you’ve owned a primary home in the last 3 years.</strong> Check if not — first-time-buyer status is generous (just 3 years since last primary home) and unlocks <strong>down-payment assistance programs + reduced PMI</strong> on conventional loans. Worth catching.","r4tour.step6.12.ask":"I owned a house 10 years ago — am I still a first-time homebuyer?","r4tour.step6.13.title":"Another loan on the same property?","r4tour.step6.13.body":"<strong>Most borrowers leave this $0.</strong> Enter an amount only if you’re doing a <strong>piggyback 2nd mortgage</strong> (a second loan to avoid PMI on the first), or you have an existing HELOC on the property you’re refinancing.","r4tour.step6.13.ask":"What’s a piggyback loan and why would I want one?","r4tour.step6.14.title":"Expected rent from this property","r4tour.step6.14.body":"<strong>Skip if occupancy isn’t Investment Property.</strong> If it is, this matters: lender counts <strong>75% of estimated gross rent</strong> as offsetting income (the 25% haircut covers vacancy + maintenance) — can be the difference between qualifying or not.","r4tour.step6.14.ask":"How does rental income help me qualify on an investment property?","r4tour.step6.15.title":"Monthly HOA dues","r4tour.step6.15.body":"<strong>Skip if the property has no HOA.</strong> If yes, monthly dues add to your housing payment (PITI + HOA) and affect DTI. Find the amount in the property listing or seller disclosure — if unsure, leave blank and the broker will c

1onfirm.","r4tour.step6.15.ask":"My condo has special assessments on top of regular HOA dues — what do I enter?","r4tour.step7.0.title":"Will you live here?","r4tour.step7.0.body":"Saying Yes = primary residence loan (best rates, lowest down payment). Saying No = investment or second home (higher rate, more down). Lender verifies via post-closing occupancy check; lying here is <strong>occupancy fraud</strong>.","r4tour.step7.0.ask":"I plan to move in eventually but rent it for a year first — what do I answer?","r4tour.step7.1.title":"Do you know the seller personally?","r4tour.step7.1.body":'A family member, business partner, or close affiliation with the seller makes this a <strong>non-arm’s-length transaction</strong>. Lender needs extra appraisal scrutiny and a "gift of equity" letter if the seller is gifting you a discount.',"r4tour.step7.1.ask":"I’m buying my parents’ house at a discount — does that affect the loan?","r4tour.step7.2.title":"Are you borrowing money you haven’t told us about?","r4tour.step7.2.body":'This catches <strong>undisclosed down-payment loans</strong> from family, seller credits, "loan from a friend," etc. Title and lender re-verify cash sources before closing. A "no" that should’ve been "yes" can unwind the loan after closing.',"r4tour.step7.2.ask":"Can my parents lend me the down payment without disclosing it?","r4tour.step7.3.title":"Applying for another mortgage too?","r4tour.step7.3.body":"If you’re applying for a 2nd mortgage anywhere before this one closes, say yes. Lenders stack the payments into <strong>DTI</strong>, even if the other loan isn’t funded yet. Hiding it shows up on the credit refresh before closing.","r4tour.step7.3.ask":"I’m pre-approved with two lenders — do I disclose both?","r4tour.step7.4.title":"Opening new credit before closing?","r4tour.step7.4.body":"Lenders <strong>re-pull credit a few days before closing</strong>. Opening a new credit card, financing a couch, or applying for a car loan in that window can drop your score and re-trigger underwriting. Easiest answer: don’t open new credit between application and closing.","r4tour.step7.4.ask":"I need a new car right now — should I wait until after closing?","r4tour.step7.5.title":"Any priority lien on this property?","r4tour.step7.5.body":"A priority lien = something that ranks ahead of your new mortgage on the title (tax lien, mechanics lien, HOA assessment, PACE loan). Must be cleared before closing. Most borrowers answer No.","r4tour.step7.5.ask":"What’s a PACE loan and how do I know if the property has one?","r4tour.step7.6.title":"Are you a co-signer on someone else’s loan?","r4tour.step7.6.body":"If you co-signed a child’s student loan or a sibling’s car loan, you’re on the hook even though you don’t pay. Counts as <strong>contingent liability</strong> in DTI unless you can prove the primary borrower has paid on time for 12 months.","r4tour.step7.6.ask":"I co-signed for my daughter’s student loans — does that hurt my mortgage?","r4tour.step7.7.title":"Any outstanding judgments?","r4tour.step7.7.body":"A judgment = a court ordered you to pay something (small-claims, divorce settlement balance, etc.). Unpaid judgments must usually be paid before closing. Civil-court records are public; the lender will find them.","r4tour.step7.7.ask":"I have a small-claims judgment from years ago — do I have to pay it off?","r4tour.step7.8.title":"Behind on any federal debt?","r4tour.step7.8.body":"<strong>Auto-decline trigger</strong> for most loan programs. Federal student loans in default, IRS back taxes without a payment plan, child support arrears, defaulted federal small-business loans. Get on a documented payment plan first.","r4tour.step7.8.ask":"I’m on an income-driven repayment plan for student loans — am I delinquent?","r4tour.step7.9.title":"In any lawsuits where you might owe money?","r4tour.step7.9.body":"Active civil suit as a defendant where you could be on the hook financially. Doesn’t include divorces unless there’s an outstanding contested money issue. Suing someone else (plaintiff) doesn’t count.","r4tour.step7.9.ask":"I’m in a divorce — does that count as a lawsuit on this form?","r4tour.step7.10.title":"Lost a property to foreclosure in 7 years?","r4tour.step7.10.body":"Includes deed-in-lieu of foreclosure, short sale, and traditional foreclosure. Most loan programs require <strong>

17 years</strong> since the event (less with documented extenuating circumstances like medical hardship).","r4tour.step7.10.ask":"I did a short sale 5 years ago — can I still get a mortgage?","r4tour.step7.11.title":"Filed bankruptcy in 7 years?","r4tour.step7.11.body":"Includes Chapter 7, 11, 12, 13. <strong>If yes, we’ll ask which chapter.</strong> Different waiting periods: Chapter 7 = 4 years (FHA: 2). Chapter 13 = 2 years from discharge, or 1 year of completed payments + court approval.","r4tour.step7.11.ask":"I filed Chapter 13 three years ago and it’s discharged — can I qualify?","r4tour.step7.12.title":"Explain any Yes answers","r4tour.step7.12.body":"<strong>Skip if you answered No to everything.</strong> If you said Yes to any declaration, <strong>strongly recommended</strong> to draft your explanation here — a few sentences per item: what happened, when, current status (paid off / on payment plan / pending). The lender will need a formal letter of explanation either way; this draft jump-starts it.","r4tour.step7.12.ask":"How detailed does my explanation letter need to be?","r4tour.step8.0.title":"Acknowledgments and Agreements","r4tour.step8.0.body":"This is the <strong>legal hand-shake</strong> before your application is submitted. Six numbered points: (1) the info you provided is true, (2) the property secures the loan, (3) the appraisal is for the lender, (4) you agree to e-sign, (5) late payments hit your credit, (6) you authorize the lender to verify your info. Read each, then check the box at the bottom to continue. Lying on a mortgage application is a federal crime (18 U.S.C. \xa7 1014), so take your time.","r4tour.step8.0.ask":"What am I actually agreeing to when I check this box?","r4tour.step9.0.title":"Did you (or your late spouse) serve?","r4tour.step9.0.body":"Veterans and active-duty service members qualify for <strong>VA loans</strong> with $0 down payment, no PMI, and competitive rates. Even one day of qualifying service counts. Surviving spouses of service members who died in service also qualify.","r4tour.step9.0.ask":"I served 2 years in the National Guard — do I qualify for a VA loan?","r4tour.step9.1.title":"Currently on active duty?","r4tour.step9.1.body":"Check this if you’re currently serving — it <strong>strengthens</strong> VA loan eligibility, and the lender will need a current Statement of Service in addition to your DD-214.","r4tour.step9.1.ask":"Do I need my DD-214 if I’m still on active duty?","r4tour.step9.2.title":"Surviving spouse of a service member?","r4tour.step9.2.body":"If your spouse died in service or from a service-connected disability, you may use their VA benefit — requires a special VA Certificate of Eligibility for surviving spouses. Your broker can help apply.","r4tour.step9.2.ask":"How do I get a VA Certificate of Eligibility as a surviving spouse?","r4tour.step9.3.title":"Why we ask demographics","r4tour.step9.3.body":"Federal law (<strong>HMDA</strong>, Home Mortgage Disclosure Act) requires lenders to ask. <strong>Answering is optional</strong> — refusing won’t affect your application, rate, or approval odds. The data is reported in aggregate to monitor fair-lending compliance, never used to decide your loan.","r4tour.step9.3.ask":"Why do mortgage applications ask about my race and ethnicity?","r4tour.step9.4.title":"Ethnicity","r4tour.step9.4.body":"Pick one: <em>Hispanic or Latino</em>, <em>Not Hispanic or Latino</em>, or <em>I do not wish to provide</em>. If you select Hispanic or Latino, you’ll be asked to specify (Mexican, Puerto Rican, Cuban, or Other Hispanic).","r4tour.step9.4.ask":"How do I answer ethnicity if I have mixed heritage?","r4tour.step9.5.title":"Sex","r4tour.step9.5.body":'Three options: Male, Female, or "I do not wish to provide." This is federally defined as sex assigned at birth for HMDA purposes — not a statement of gender identity.',"r4tour.step9.5.ask":"What if my gender identity differs from my sex assigned at birth?","r4tour.step9.6.title":"Race","r4tour.step9.6.body":'<strong>Check all that apply.</strong> Some categories have sub-options (Asian → Chinese/Japanese/Korean/etc.; Pacific Islander → Native Hawaiian/Samoan/etc.). American Indian or Alaska Native asks for the tribe name. There’s a "I do not wish to provide" option too.',"r4tour.step9.6.ask":"I’m multiracial — do I check more than one box?","r4tour.step9.7.title":"What we do with this data","r4tour.step9.7.body":"Lenders submit aggregated HMDA data annually to the CFPB. The data tracks <strong>fair-lending patterns</strong> — is one group getting denied more often, getting worse rates, etc. The CFPB and journalists use it to spot discrimination. Your individual answers are never published.","r4tour.step9.7.ask":"Where can I see HMDA data after my loan closes?","r4tour.step10.0.title":"E-Sign Consent","r4tour.step10.0.body":"You’re agreeing to re

1ceive disclosures and sign loan documents <strong>electronically</strong> instead of on paper. Under the <em>E-Sign Act</em>, e-signatures are legally equivalent. You can withdraw this at any time — but withdrawing late may delay closing.","r4tour.step10.0.ask":"What does withdrawing e-sign consent actually do to my application?","r4tour.step10.1.title":"Credit Authorization","r4tour.step10.1.body":"You’re letting your broker run a credit report through the wholesale lender. This is usually a <strong>hard pull</strong> at this stage (the soft pull was for the liability pre-fill earlier). Hard pulls knock 3–5 points off your score for ~12 months, but multiple mortgage inquiries within <strong>14 days</strong> count as one.","r4tour.step10.1.ask":"What’s the difference between the soft pull and the hard pull on my credit?","r4tour.step10.2.title":"Terms of Service","r4tour.step10.2.body":"You’re attesting that the info you provided is true and agreeing to the platform’s Terms of Service + Privacy Policy. The Terms link is in the footer; read them once if you haven’t.","r4tour.step10.2.ask":"Where do I find the full Terms of Service?","r4tour.step10.3.title":"Optional SMS Notifications","r4tour.step10.3.body":"<strong>Skip if you’d rather only get emails.</strong> Three optional categories: <em>Security & authentication</em> (2FA codes), <em>Loan status & operational updates</em> (status notifications), and <em>Document, closing & e-sign reminders</em>. Check any combination — none are required. Message and data rates may apply. Reply <strong>STOP</strong> to opt out at any time.","r4tour.step10.3.ask":"Will I get marketing texts if I check these, or just status updates?","r4tour.cfg.dashboard.0.title":"Welcome to mission control","r4tour.cfg.dashboard.0.body":'<p class="vt-summary">This is your dashboard — the single place to track everything about your loan from application to keys in hand.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Live loan status</strong><span>Stage, today vs. expected, current blocker</span></li><li><strong>Open requests</strong><span>Anything we need from you, oldest first</span></li><li><strong>Vendor progress</strong><span>Six lanes (credit, appraisal, title…) with ETAs</span></li><li><strong>Document hub</strong><span>Upload, track, and verify everything in one place</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>We\'ll spotlight each piece on this page first, then walk through the rest of the site (rates, calculators, application, documents, options, settings).</span>\n        </div>\n        <p class="vt-next-hint">Click <strong>Next</strong> to see your loan status panel.</p>',"r4tour.cfg.dashboard.1.title":"Your loan status","r4tour.cfg.dashboard.1.body":'<p class="vt-summary">One card, full picture — where your loan is, who\'s holding things up, and how on-pace you are.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Progress ring</strong><span>Percent complete out of 8 milestones</span></li><li><strong>Timeline bar</strong><span>Every stage with reached / active / upcoming state</span></li><li><strong>Pace markers</strong><span>Red = average. Amber = where YOU are.</span></li><li><strong>Count tiles</strong><span>Drill into in-progress / complete / needs-attention</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.2.title":"Loan health score","r4tour.cfg.dashboard.2.body":'<p class="vt-summary">A quick read on how your file is doing — score out of 100, plus the band tone (on-track, needs-attention, or action-required) and what\'s dragging the score down.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>If you see "needs attention," your fastest win is usually clearing the oldest open request — those age into "overdue" and are the #1 reason loans miss their close date.</span>\n        </div>',"r4tour.cfg.dashboard.3.title":"Your loan officer","r4tour.cfg.dashboard.3.body":'<p class="vt-summary">Double-check that this is the LO you\'ve been working with. They\'re your direct line for anything that needs human eyes — rates, scenarios, conditions, weird edge c

1ases.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>If the name or contact details look wrong, message us via the chat button at the bottom of the dashboard and we\'ll reassign.</span>\n        </div>',"r4tour.cfg.dashboard.4.title":"Add a co-borrower","r4tour.cfg.dashboard.4.body":'<p class="vt-summary">Buying or refinancing with a spouse or partner? Invite them here. They\'ll get an email with a secure link to fill out their own half of the 1003 — no need to share your login.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Email invite</strong><span>Sent immediately, link expires after 7 days</span></li><li><strong>Their own login</strong><span>They sign in with their email + a password they pick</span></li><li><strong>You stay in control</strong><span>You can see their status, re-send the invite, or revoke access</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.5.title":"And the Stages view","r4tour.cfg.dashboard.5.body":'<p class="vt-summary">The same loan, one phase at a time. Swipe (or tap) between Application → Pricing → Processing → Underwriting → Conditions → Clear to Close to see what\'s happening + what\'s expected at each step.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>We just played the full sequence so you\'ve seen all six. Now let\'s pause on the two stages that take the most work from you: pricing and processing.</span>\n        </div>',"r4tour.cfg.dashboard.6.title":"Pricing — your best rate, live","r4tour.cfg.dashboard.6.body":'<p class="vt-summary">Once your application is in, we pull live pricing across every wholesale lender on your broker\'s network and surface the single best fit for your scenario. Read-only here; locking happens on the broker side.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Best rate banner</strong><span>The single most competitive offer for your file right now</span></li><li><strong>Monthly P&I</strong><span>Principal + interest, computed from this rate against your loan amount</span></li><li><strong>Discount points</strong><span>Whether the best price is at par or includes a buy-down</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Rates move daily — sometimes intraday. If you see one you like, message your loan officer about locking it. We refresh this card every time the wholesale sheet updates.</span>\n        </div>',"r4tour.cfg.dashboard.7.title":"Drag and drop your documents","r4tour.cfg.dashboard.7.body":'<p class="vt-summary">This is the heart of processing. Drop any document anywhere on this zone and our AI categorizes it automatically — paystubs land under Income, bank statements land under Assets, the purchase contract lands under Property. You don\'t have to label anything.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Multi-file drop</strong><span>Drag a whole folder at once — we sort them all</span></li><li><strong>Auto-recognition</strong><span>OCR reads each page and figures out what it is</span></li><li><strong>Phone uploads work</strong><span>Snap a photo and drag it in from your camera roll</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Bank statements MUST include every page (yes, even the blank ones at the end) — the lender rejects partial statements. The AI will warn 

1you if it sees a page-count mismatch.</span>\n        </div>',"r4tour.cfg.dashboard.8.title":"Homeowner's insurance — handle ASAP","r4tour.cfg.dashboard.8.body":'<p class="vt-summary">We need your homeowner\'s insurance agent\'s contact info early so the lender can request the declarations page before underwriting clears. Missing this is the most common reason loans miss their close date.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>If you don\'t have an agent yet, ask your loan officer for recommendations — they work with carriers all the time and can usually get you a competitive quote in a day or two.</span>\n        </div>',"r4tour.cfg.dashboard.9.title":"Need your attention","r4tour.cfg.dashboard.9.body":'<p class="vt-summary">This is your action queue. Anything here is waiting on YOU — usually disclosures that need signing (Loan Estimate, Closing Disclosure, etc.) or documents the lender flagged as missing.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Tackle these first every time you land here. The lender pauses underwriting on any file with overdue signings.</span>\n        </div>',"r4tour.cfg.dashboard.10.title":"Every document we're requesting","r4tour.cfg.dashboard.10.body":'<p class="vt-summary">Below the action row, you\'ll see columns for each category we need: Identity, Income, Assets, Property, Disclosures. Every doc is either marked complete (green) or waiting on you (amber). We need ALL of them before underwriting can run.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>If you\'re unsure what a request means (e.g. "two months of bank statements — all pages"), tap the doc and we\'ll show plain-English examples of what counts.</span>\n        </div>',"r4tour.cfg.dashboard.11.title":"Stuck? Ask a human.","r4tour.cfg.dashboard.11.body":'<p class="vt-summary">Documents tripping you up? Don\'t sit on it — your loan officer or your licensed broker can resolve almost any question in a single message.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Speed of response is the single biggest predictor of an on-time close. Borrowers who reply within 4 hours close ~9 days faster on average than those who reply within 48.</span>\n        </div>\n        <p class="vt-next-hint">Click <strong>Next</strong> to continue to today\'s live rates.</p>',"r4tour.cfg.rates.0.title":"Today's mortgage rates","r4tour.cfg.rates.0.body":'<p class="vt-summary">Wholesale-channel rates updated daily from your broker\'s rate sheet. These are the real numbers your loan will price against — not the marketed teaser rates you see on Google.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Per-program pricing</strong><span>Conventional, FHA, VA, USDA, jumbo, ARM</span></li><li><strong>Rate vs. APR</strong><span>APR includes fees + points, so it\'s the truer cost</span></li><li><strong>Live updates</strong><span>Rates can move twice in a day during volatile markets</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Compare on APR, not rate. Two loans with the same 6.500% rate can have very different APRs — and the higher-APR loan costs more over the life of the loan.</span>\n        </div>',"r4tour.cfg.rates.1.title":"The rate comparison table","r4tour.cfg.rates.1.body":'<p class="vt-summary">Every row is a loan program. Every column is something you should compare before choosing.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Rate</strong><span>The interest charged on the loan balance</span></li><li><strong>APR</strong><span>Rate + fees + points, expressed as a single annual %</span></li><li><strong>Points</strong><span>Optional upfront fee to lower your rate (1 pt = 1% of loan amount)</span></li><li><strong>Estimated monthly P&I</strong><span>Principal + interest only — taxes/insurance/HOA add on top</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">

1\n            <span class="vt-example-label">Example</span>\n            <span>A 30-yr fixed at 6.875% with 0 points vs. 6.500% with 2 points: the 2-point loan only wins if you keep it past the break-even (~5-7 years).</span>\n        </div>',"r4tour.cfg.rates.2.title":"Set a rate alert","r4tour.cfg.rates.2.body":'<p class="vt-summary">Tell us your target rate and we\'ll email you the moment any program drops to it. No daily noise — only the ping that matters.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Brokers see thousands of rate-watching borrowers. Setting an alert is the surest way to catch a dip without staring at the page.</span>\n        </div>',"r4tour.cfg.rates.3.title":"Lock it in when you're ready","r4tour.cfg.rates.3.body":'<p class="vt-summary">Locking a rate protects you from rate increases while your file finishes. Standard lock periods are 15, 30, 45, or 60 days.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Lock too early</strong><span>You pay a re-lock fee if your file slips past the lock</span></li><li><strong>Lock too late</strong><span>You eat any rate increase between now and close</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Most loans lock 30-45 days out from expected close. Your broker will recommend a specific window based on your file.</span>\n        </div>',"r4tour.cfg.rates.4.title":"Expert advice — talk to your LO","r4tour.cfg.rates.4.body":'<p class="vt-summary">Rate tables can\'t tell you which program is actually right for your file. Your loan officer can — they see all the constraints (DTI, LTV, occupancy, credit, reserves) at once.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>If you\'re torn between VA, FHA, conventional, or an ARM, send your LO one message describing your goals (lowest payment? shortest term? cash out?) and they\'ll walk you through the trade-offs in plain English.</span>\n        </div>',"r4tour.cfg.rates.5.title":"Next: calculators","r4tour.cfg.rates.5.body":'<p class="vt-summary">Three tools to plan around the rates you just saw.</p>\n        \n        \n        \n        <p class="vt-next-hint">Click <strong>Next</strong> to head there.</p>',"r4tour.cfg.calculators.0.title":"Mortgage calculators","r4tour.cfg.calculators.0.body":'<p class="vt-summary">Three quick checks built on the same math your loan officer uses. Tweak any input + see every dependent number update instantly.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Monthly Payment</strong><span>Principal + interest + taxes + insurance + HOA (PITIA)</span></li><li><strong>Affordability</strong><span>Max purchase price for your income, debt, and down payment</span></li><li><strong>Refi ROI</strong><span>Break-even point on a rate-and-term refinance</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Every calculator has a glossary at the bottom that explains the terms in plain English — useful if "front-end DTI" or "LTV" makes your eyes glaze over.</span>\n        </div>',"r4tour.cfg.calculators.1.title":"Switch tabs along the top","r4tour.cfg.calculators.1.body":'<p class="vt-summary">Each calculator is its own tab. The explainer at the top of every tab tells you what it computes + when to use it.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">Example</span>\n            <span>Use Affordability before you make an offer ("what can I afford?"). Use Monthly Payment after ("what does this house cost?"). Use Refi ROI to decide if refinancing your existing loan is worth it.</span>\n        </div>\n        \n        <p class="vt-next-hint">Next stop: the 1003 application.</p>',"r4tour.cfg.apply.0.title":"The 1003 mortgage application","r4tour.cfg.apply.0.body":'<p class="vt-summary">Form 1003 is the standard application every lender in the U.S. uses. We\'ve split it into 10 short wizard steps so you can fill it on your phone in a single sitting.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Borrower info, address, contact</strong><span>Step 1 — your basics + a quick ID scan if you want</span></li><li><strong>Employment + income</strong><span>Step 2 — 2-year history, current job, monthly income</span></li><li><strong>Assets + liabilities</strong><span>Steps 3-4 — bank accounts, credit cards, loans</span></li><li><strong>Property + loan details</strong><span>Step 6 — what you\'re buying, how much you need</span></li><li><strong>

1Declarations + consent</strong><span>Steps 7-10 — legal questions + e-sign authorization</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Autosave runs every 1.5s — you can close the tab anytime and pick up exactly where you left off.</span>\n        </div>',"r4tour.cfg.apply.1.title":"Save anytime \xb7 jump around freely","r4tour.cfg.apply.1.body":'<p class="vt-summary">The progress bar at the top tracks every step. You can jump backward to fix something, forward to scope out what\'s coming, or save & exit to finish later.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Autosave indicator</strong><span>The "Saved" pill on the top-right tells you the cloud has everything</span></li><li><strong>Jump-to-step</strong><span>Click any step icon in the bar to navigate</span></li><li><strong>Resume on any device</strong><span>Start on laptop, finish on phone — your draft follows you</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>If the autosave pill says "Editing…" for more than a few seconds, hit Save explicitly before navigating — usually the network slowed down.</span>\n        </div>',"r4tour.cfg.apply.2.title":"Stuck? Ask Breeze","r4tour.cfg.apply.2.body":'<p class="vt-summary">The floating help icon opens a chatbot that knows the 1003 inside-out. Ask anything — what a field means, why we need it, what to put if you don\'t know the exact answer.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">Example</span>\n            <span>"What\'s the difference between &lsquo;Years on Job&rsquo; and &lsquo;Years in this Line of Work&rsquo;?" or "I don\'t have a middle name — what do I do?"</span>\n        </div>\n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Breeze is scoped to mortgages — it won\'t pretend to be a general AI or answer off-topic questions, which keeps its answers reliable.</span>\n        </div>',"r4tour.cfg.documents.0.title":"Your document hub","r4tour.cfg.documents.0.body":'<p class="vt-summary">Every doc your lender needs goes here. We OCR what you upload, auto-route each file to the right slot, and tell you what\'s still missing.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Identity</strong><span>Driver\'s license / passport / state ID</span></li><li><strong>Income</strong><span>Paystubs, W-2s, 1099s, tax returns</span></li><li><strong>Assets</strong><span>2 months of bank statements per account, retirement balances</span></li><li><strong>Property</strong><span>Purchase agreement, earnest money receipt, HOI binder</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Drag-and-drop works. So does photo from your phone. Bank statements MUST be all pages — even the blank ones — or the lender rejects them.</span>\n        </div>',"r4tour.cfg.documents.1.title":"Smart upload","r4tour.cfg.documents.1.body":'<p class="vt-summary">Drop in a file and we figure out where it belongs. OCR runs in the background — usually a few seconds, longer for image-heavy PDFs.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>PDF (text-readable)</strong><span>Best — fastest OCR, highest accuracy</span></li><li><strong>JPG / PNG</strong><span>Works — we OCR the image and confirm extracted data</span></li><li><strong>HEIC (iPhone)</strong><span>Auto-converts to JPG before upload</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">

1\n            <span class="vt-example-label">Example</span>\n            <span>Snap a phone photo of your driver\'s license — we extract name, DOB, address, license number, expiration, and the AAMVA barcode all in one pass.</span>\n        </div>\n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>If the lender rejects a doc later (wrong type, wrong period, missing page), we surface it as a new Open Request on your dashboard with a fresh upload slot.</span>\n        </div>',"r4tour.cfg.loan-options.0.title":"Your loan options","r4tour.cfg.loan-options.0.body":'<p class="vt-summary">Once underwriting clears your file, we list every program you qualify for here — with rate, monthly payment, points, and a recommended best match for your situation.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Rate + APR + points</strong><span>Same fields you compared on the rates page, but now bound to YOUR file</span></li><li><strong>Monthly payment</strong><span>Real PITIA based on your loan amount, property tax estimate, and HOI quote</span></li><li><strong>Cash to close</strong><span>Down payment + closing costs minus any credits</span></li><li><strong>"Best match" tag</strong><span>Our recommendation given your priorities (lowest rate vs. lowest payment vs. lowest cash to close)</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Your file may qualify for programs you didn\'t know existed (HomeReady, Home Possible, lender credits, etc.). Scroll the full list — the best deal is rarely the most-advertised one.</span>\n        </div>',"r4tour.cfg.loan-options.1.title":"Compare side by side","r4tour.cfg.loan-options.1.body":'<p class="vt-summary">Each card is a fully-priced offer from a real lender. The down-payment slider re-prices every card in real time — useful for seeing how 5%, 10%, 20% down change your monthly payment.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">Example</span>\n            <span>Slide from 5% to 20% down and watch PMI disappear from every card — that\'s the math behind the "20% rule of thumb."</span>\n        </div>\n        \n        <p class="vt-next-hint">Last stop: account settings.</p>',"r4tour.cfg.settings.0.title":"Account settings","r4tour.cfg.settings.0.body":'<p class="vt-summary">Profile, notification preferences, security, and privacy controls all live here.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Profile</strong><span>Name, email, phone, address — keep these current</span></li><li><strong>Notifications</strong><span>Email/SMS/push toggles per event type</span></li><li><strong>Security</strong><span>2FA, security questions, Passkeys (coming soon)</span></li><li><strong>Privacy</strong><span>Data download + delete-my-data request</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Enable 2FA before you upload your SSN or banking info. Mortgage applications are a high-value phishing target — the 10 seconds it takes to set up 2FA is a real safety upgrade.</span>\n        </div>',"r4tour.cfg.settings.1.title":"The security tab","r4tour.cfg.settings.1.body":'<p class="vt-summary">Where you harden the account. Lenders look at borrower-security posture as part of their fraud screen — turning these on actually helps your file move faster.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Two-factor authentication</strong><span>SMS or authenticator app — both supported</span></li><li><strong>Security questions</strong><span>Recovery path if you lose access to your 2FA device</span></li><li><strong>Passkeys</strong><span>Phishing-resistant passwordless login (coming soon)</span></li><li><strong>Active sessions</strong><span>See every device logged into your account; sign any out remotely</span></li>\n            </ul>\n        </div>',"r4tour.cfg.settings.2.title":"You're all set","r4tour.cfg.settings.2.body":'<p class="vt-summary">That\'s the full tour. You now know where every important piece of your loan lives + how to use it.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">What you can do here</p>\n            <ul class="vt-features">\n                <li><strong>Need a refresher?</strong><span>Replay this tour anytime from the dashboard</span></li><li><strong>Want more detail?</strong><span>The full written walkthrough is at /borrower/help</span></li><li><strong>Stuck on a specific question?</strong><span>Ask Breeze — the floating help bot — on any page</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Most successful borrowers tackle their dashboard\'s Open Requests within 24 hours and answer broker messages within 4. Speed of response is the single biggest predictor of an on-time close.</span>\n        </div>\n        <p class="vt-next-hint">Click <strong>Done</strong> to head back to your dashboard and get moving.</p>',"r4tour.chapter.dashboard":"Dashboard","r4tour.chapter.rates":"Rates","r4tour.chapter.calculators":"Calculators","r4tour.chapter.apply":"Application","r4tour.chapter.documents":"Documents","r4tour.chapter.loan-options":"Loan Options","r4tour.chapter.settings":"Settings","r4tour.previewingChapter":"Previewing {chapter}","r4tour.stepOf":"{current} of {total}","r4tour.previewing":"Previewing…","r4tour.dialogLabel":"Tour step","r4tour.closeTour":"Close tour","r4tour.closeDisabledPreviewing":"Close (disabled while previewing)"},es:{"borrower.dashboard.title":"Su panel","borrower.dashboard.welcome":"Bienvenido","borrower.dashboard.goodMorning":"Buenos d\xedas","borrower.dashboard.goodAfternoon":"Buenas tardes","borrower.dashboard.goodEvening":"Buenas noches","borrower.actions.openConditions":"Tareas pendientes para usted","borrower.actions.allClear":"Sin tareas pendientes","borrower.calculators.title":"Calculadoras hipotecarias","borrower.calculators.affordability":"Capacidad de compra","borrower.calculators.refiRoi":"Refinanciamiento ROI","borrower.calculators.monthlyPayment":"Pago mensual","borrower.notifications.empty":"A\xfan no hay notificaciones.","borrower.notifications.markAllRead":"Marcar todas como le\xeddas","borrower.disclosures.title":"Sus divulgaciones","borrower.le.viewAndDownload":"Ver y descargar","borrower.cd.acknowledgeRequired":"Por favor reconozca antes de firmar","borrower.cd.threeDayWait":"Per\xedodo de espera de 3 d\xedas h\xe1biles","borrower.push.enable":"Reciba un aviso cuando algo cambie","borrower.push.alreadyOn":"Notificaciones push activas","borrower.timeline.title":"Cronograma de su pr\xe9stamo","borrower.closingRoom.title":"Sala de cierre","borrower.closingRoom.scheduleNotary":"Programar notario","borrower.closingRoom.openSigningPortal":"Abrir portal de firma","borrower.preQual.cta":"Obtener pre-calificaci\xf3n","borrower.preQual.noFicoImpact":"Sin impacto en FICO","borrower.insurance.title":"Seguro de hogar","borrower.insurance.applyNow":"Solicitar","borrower.uploadDoc":"Subir documento","borrower.connectBank":"Conectar banco","common.cancel":"Cancelar","common.save":"Guardar","common.back":"Atr\xe1s","common.next":"Siguiente","common.done":"Listo","common.startApplication":"Comenzar su solicitud","common.viewDetails":"Ver detalles","common.askVera":"Preguntar a Breeze","common.refresh":"Actualizar","common.openInbox":"Abrir bandeja","auth.signIn":"Iniciar sesi\xf3n","auth.signOut":"Cerrar sesi\xf3n","nav.rates":"Tasas","nav.calculators":"Calculadoras","nav.dashboard":"Panel","nav.documents":"Documentos","nav.conditions":"Condiciones","nav.loanOptions":"Opciones de pr\xe9stamo","nav.askVera":"Preguntar a Breeze","nav.pricing":"Precios","nav.home":"Inicio","nav.resources":"Recursos","nav.support":"Soporte","nav.login":"Iniciar sesi\xf3n","nav.getStarted":"Comenzar","nav.createAccount":"Crear cuenta","nav.openMenu":"Abrir men\xfa","nav.navigation":"Navegaci\xf3n","nav.themeWait":"Por favor espere...","nav.darkMode":"Modo oscuro","nav.midnightMode":"Modo medianoche","nav.lightMode":"Modo claro","dashboard.loanId":"Su ID de pr\xe9stamo:","dashboard.group.progress.title":"Tu progreso y pr\xf3ximos pasos","dashboard.group.progress.subtitle":"El estado de tu pr\xe9stamo y lo que necesitamos de ti","dashboard.group.numbers.title":"Tus n\xfameros","dashboard.group.numbers.subtitle":"Pago, capacidad de pago y salud del pr\xe9stamo","dashboard.group.closing.title":"Cierre","dashboard.group.closing.subtitle":"Tu fecha de cierre, costos y qu\xe9 llevar","dashboard.group.team.title":"Tu equipo y mensajes","dashboard.group.team.subtitle":"Tu oficial de pr\xe9stamos, codeudores y mensajes","dashboard.group.documents.title":"Documentos y recursos","dashboard.group.documents.subtitle":"Divulgaciones, m\xe9todo de pago, referidos y gu\xedas","dashboard.overview":"Resumen","dashboard.stages":"Etap

1as","dashboard.finishAppToUnlock":"Complete su solicitud para abrir el resumen de su panel","dashboard.messageLoanOfficer":"Enviar mensaje a su oficial de pr\xe9stamo","dashboard.helpCenter":"Centro de ayuda","dashboard.askVeraLabel":"Preg\xfantele a Breeze cualquier cosa sobre su pr\xe9stamo","dashboard.offlineBanner":"Est\xe1 sin conexi\xf3n — las actualizaciones en vivo est\xe1n en pausa. Sus cambios se guardan localmente.","dashboard.offlineSnapshot":"Sin conexi\xf3n — mostrando la \xfaltima instant\xe1nea guardada","dashboard.offlineWelcomeBack":"Bienvenido de nuevo","dashboard.yourDashboard":"Su panel","dashboard.offlineLoanStatus":"Estado del pr\xe9stamo","dashboard.offlineCachedAt":"guardado","dashboard.offlineStageSteps":"Etapa: {stage} — {done}/{total} pasos completados","dashboard.offlineReconnect":"Recon\xe9ctese para ver actualizaciones en vivo y realizar acciones.","dashboard.offlineItemNeeded":"{n} elemento a\xfan pendiente","dashboard.offlineItemsNeeded":"{n} elementos a\xfan pendientes","dashboard.loadingProfile":"Cargando su perfil…","dashboard.redirectingLogin":"Redirigiendo al inicio de sesi\xf3n...","dashboard.stuckSignOut":"\xbfAtascado? Cierre sesi\xf3n e int\xe9ntelo de nuevo","dashboard.appSubmitted":"Solicitud enviada","dashboard.appSubmittedMsg":"Se ha notificado a su corredor. Ver\xe1 actualizaciones aqu\xed a medida que su pr\xe9stamo avance en el proceso.","dashboard.brokerPreviewDetail":"— esta es una copia exacta de lo que su prestatario ve en su panel ahora mismo.","dashboard.exitPreview":"Salir de la vista previa","conditions.headerTitle":"Algunas cosas que necesita su prestamista","conditions.headerSubtitle":"Suba lo que se solicita a continuaci\xf3n — o simplemente suelte un archivo en cualquier lugar y lo asignaremos al elemento correcto. Puede hacerlos en cualquier orden.","conditions.conditionsLabel":"Condiciones","conditions.toUpload":"Por subir","conditions.submittedInReview":"Enviado \xb7 en revisi\xf3n","conditions.done":"Listo","conditions.allCaughtUp":"\xa1Todo al d\xeda, buen trabajo!","conditions.fileClear":"Su expediente est\xe1 limpio — no hay nada pendiente","conditions.statToDo":"Por hacer","conditions.statInReview":"En revisi\xf3n","conditions.statDone":"Listo","conditions.statTotal":"Total","conditions.clearedSummary":"{done} de {total} aprobados","conditions.smartUploadTitle":"Carga inteligente","conditions.smartUploadSub":"Suelte cualquier archivo — lo asignaremos a la condici\xf3n correcta.","conditions.smartUploadFormats":"PDF \xb7 JPG \xb7 PNG","conditions.heroDropTitle":"Suelte sus documentos aqu\xed","conditions.heroDropSub":"Ir\xe1n directamente a la condici\xf3n correcta","conditions.heroBrowse":"Explorar archivos","conditions.heroCamera":"Usar c\xe1mara","conditions.heroCameraOverlay":"Mantenga su documento dentro del marco","conditions.suggested":"Sugerido","conditions.upload":"Subir","conditions.replace":"Reemplazar","conditions.underReview":"En revisi\xf3n","conditions.submitted":"Enviado","conditions.processing":"Procesando","conditions.accepted":"Aceptado","conditions.waived":"Eximido","conditions.gotIt":"Entendido","conditions.sentBack":"Devuelto:","conditions.askVera":"Preguntar a Breeze","conditions.loadError":"No se pudieron cargar sus condiciones. Por favor actualice.","conditions.veraHideError":"No se pudo ocultar el resumen de Breeze. Int\xe9ntelo de nuevo.","conditions.veraEnableError":"No se pudo activar el resumen de Breeze. Int\xe9ntelo de nuevo.","conditions.uploadingFile":"Subiendo {name}…","conditions.uploadedFile":"{name} subido — su oficial de pr\xe9stamo lo revisar\xe1.","conditions.uploadFailed":"Error al subir: {error}","conditions.undoError":"No se pudo deshacer","conditions.checkoutError":"No se pudo iniciar el pago: {error}","login.eyebrow":"Prestatario","login.title":"Iniciar sesi\xf3n en su cuenta","login.subtitle":"Contin\xfae donde lo dej\xf3.","login.noAccount":"\xbfNo tiene una cuenta?","login.signUp":"Registrarse","login.emailVerified":"Correo verificado — inicie sesi\xf3n a continuaci\xf3n para continuar.","login.accountCreatedVerifyEmail":"Cuenta creada. Verifique su correo cuando pueda — las funciones de Plaid y banco se desbloquean una vez que lo haga.","login.idleSignedOut":"Su sesi\xf3n se cerr\xf3 por inactividad. Inicie sesi\xf3n nuevamente para continuar.","login.sessionsRevoked":"Se cerraron todas las sesiones. Inicie sesi\xf3n nuevamente para continuar.","login.orWithEmail":"O con correo electr\xf3nico","login.emailLabel":"Correo electr\xf3nico","login.emailPlaceholder":"[email protected]","login.passwordLabel":"Contrase\xf1a","login.passwordPlaceholder":"••••••••","login.forgotPassword":"\xbfOlvid\xf3 su contrase\xf1a?","login.authenticatorCode":"C\xf3digo del autenticador","login.verifyCode":"

1Verificar c\xf3digo","login.loading":"Cargando…","login.errorInvalidCode":"C\xf3digo inv\xe1lido. Por favor, int\xe9ntelo de nuevo.","login.errorInvalidCredentials":"Correo o contrase\xf1a inv\xe1lidos.","login.errorAccountLocked":"Cuenta bloqueada temporalmente por demasiados intentos fallidos.","login.errorAccountCannotSignIn":"Esta cuenta no puede iniciar sesi\xf3n en este momento.","login.errorLoginUnavailable":"Inicio de sesi\xf3n no disponible. Por favor, int\xe9ntelo de nuevo.","login.errorServerTimeout":"El servidor tard\xf3 demasiado. Por favor, int\xe9ntelo de nuevo.","login.errorGeneric":"Algo sali\xf3 mal.","lang.change":"Cambiar idioma","lang.heading":"Idioma","nav.brandRole":"Prestatario","nav.brandTagline":"Plataforma hipotecaria con IA","nav.features":"Funciones","nav.benefits":"Beneficios","nav.signIn":"Iniciar sesi\xf3n","nav.goToDashboard":"Ir al panel","nav.closeMenu":"Cerrar men\xfa","nav.contactBroker":"Contactar al corredor","footer.tagline":"Originaci\xf3n hipotecaria con inteligencia artificial para corredores de alto rendimiento. Cierre pr\xe9stamos m\xe1s r\xe1pido y haga crecer su negocio.","footer.rightsReserved":"Todos los derechos reservados.","footer.equalHousing":"Igualdad de Oportunidad de Vivienda","footer.licensedCA":"Con licencia en CA","footer.col.product":"Producto","footer.col.company":"Empresa","footer.col.legal":"Legal","footer.col.support":"Soporte","footer.link.aiUnderwriting":"Suscripci\xf3n con IA","footer.link.docVerification":"Verificaci\xf3n de documentos","footer.link.borrowerPortal":"Portal del prestatario","footer.link.crmCampaigns":"CRM y campa\xf1as","footer.link.pipelineMgmt":"Gesti\xf3n de cartera","footer.link.aboutUs":"Sobre nosotros","footer.link.careers":"Empleo","footer.link.blog":"Blog","footer.link.contact":"Contacto","footer.link.privacy":"Pol\xedtica de privacidad","footer.link.terms":"T\xe9rminos de servicio","footer.link.cookies":"Pol\xedtica de cookies","footer.link.ccpa":"Aviso de CCPA","footer.link.doNotSell":"No vender mi informaci\xf3n","footer.link.disclaimer":"Aviso legal","footer.link.helpCenter":"Centro de ayuda","footer.link.apiDocs":"Documentaci\xf3n de API","footer.link.systemStatus":"Estado del sistema","footer.link.security":"Seguridad","bfoot.techSupport":"Soporte t\xe9cnico","bfoot.contactPerson":"Contactar a {firstName}","bfoot.bookTime":"Reservar una cita","notif.bellTitle":"Notificaciones","notif.settingsTitle":"Configuraci\xf3n de notificaciones","notif.countNew":"{n} nuevas","notif.markAllReadTitle":"Marcar todas como le\xeddas","notif.backToNotifications":"Volver a las notificaciones","notif.loading":"Cargando…","notif.prefsLoadError":"No se pudieron cargar las preferencias.","notif.prefsHelp":"Elige c\xf3mo recibir cada tipo de evento. El SMS a\xfan no est\xe1 habilitado: las opciones se guardan, pero no se enviar\xe1n hasta que se configure Twilio.","notif.colEvent":"Evento","notif.colInApp":"En la app","notif.colEmail":"Correo electr\xf3nico","notif.colSms":"SMS","notif.timeSecondsAgo":"hace {n} s","notif.timeMinutesAgo":"hace {n} min","notif.timeHoursAgo":"hace {n} h","notif.timeDaysAgo":"hace {n} d","notif.countNewBadge":"{n} nuevas","notif.allCaughtUp":"\xa1Est\xe1s al d\xeda!","notif.viewAll":"Ver todas las notificaciones","notif.emptyNoPeriod":"A\xfan no hay notificaciones","notif.emptyCategory":"No hay notificaciones en esta categor\xeda","notif.filterAll":"Todas","notif.typeUrgent":"Urgente","notif.typeAction":"Acci\xf3n","notif.typeInfo":"Informaci\xf3n","notif.fallbackLoan":"Pr\xe9stamo","notif.staleTitle":"{name} sin actividad durante {days} d\xedas","notif.staleDetail":"Actualmente en {status} - alto riesgo de p\xe9rdida","notif.lockExpiringTitle":"El bloqueo de tasa vence en {days} d\xedas","notif.lockExpiringTitleOne":"El bloqueo de tasa vence en {days} d\xeda","notif.lockDetail":"{name} - bloqueo de {days} d\xedas","notif.conditionPendingTitle":"{count} condici\xf3n pendiente","notif.conditionsPendingTitle":"{count} condiciones pendientes","notif.conditionsDetail":"{name} - {status}","notif.followUpTitle":"{name} necesita seguimiento","notif.followUpDetail":"Sin actividad durante {days} d\xedas en {status}","notif.clearedToCloseTitle":"{name} listo para el cierre","notif.clearedToCloseDetail":"Programa el cierre y solicita los documentos finales","notif.milestoneTitle":"Notificaciones de hitos","notif.saved":"Guardado","notif.channelLabel":"Canal de notificaci\xf3n","notif.channelBoth":"Ambos","notif.channelEmail"

1:"CORREO","notif.channelSms":"SMS","notif.channelBothLong":"Correo + SMS","notif.milestoneSummary":"{active} de {total} hitos activos v\xeda {channel}","notif.milestone.applicationReceived":"Solicitud recibida","notif.milestone.submittedToUW":"Enviado a evaluaci\xf3n","notif.milestone.approved":"Aprobado","notif.milestone.conditionsSent":"Condiciones enviadas","notif.milestone.clearToClose":"Listo para el cierre","notif.milestone.closingScheduled":"Cierre programado","calc.beginLoanApplication":"Iniciar solicitud de pr\xe9stamo","calc.heroEyebrow":"Calculadoras de hipoteca","calc.heroTitle":"Cuatro verificaciones r\xe1pidas antes de hablar con tu corredor","calc.heroSubtitle":"Cada pesta\xf1a de abajo responde una pregunta distinta: cu\xe1l ser\xe1 mi pago, cu\xe1nta casa puedo pagar, si es buen momento para refinanciar y si vale la pena comprar puntos de descuento. Los c\xe1lculos son los mismos que usa tu oficial de pr\xe9stamos; solo los presentamos para que veas c\xf3mo cada dato cambia el resultado.","calc.tabMonthly":"Mensual","calc.tabBuyPoints":"Comprar puntos","calc.askVeraMonthlyLabel":"Preg\xfantale a Breeze sobre este pago mensual","calc.askVeraMonthlyPrompt":"Expl\xedcame c\xf3mo se calcula mi pago mensual y qu\xe9 lo cambiar\xeda m\xe1s.","calc.askVeraAffordabilityLabel":"Preg\xfantale a Breeze sobre mi capacidad de pago","calc.askVeraAffordabilityPrompt":"Ay\xfadame a entender cu\xe1nto podr\xeda pagar y qu\xe9 me ayudar\xeda a pagar m\xe1s.","calc.askVeraRefiLabel":"Preg\xfantale a Breeze si este refinanciamiento tiene sentido","calc.askVeraRefiPrompt":"Expl\xedcame si este refinanciamiento tiene sentido para mi situaci\xf3n y qu\xe9 deber\xeda confirmar.","calc.askVeraBuyDownLabel":"Preg\xfantale a Breeze si vale la pena comprar puntos","calc.askVeraBuyDownPrompt":"Expl\xedcame si comprar puntos de descuento tiene sentido seg\xfan cu\xe1nto tiempo planeo quedarme en la casa.","calc.whatThisDoes":"Qu\xe9 hace esta calculadora","calc.monthlyExplainerBody":"Introduce el monto de tu pr\xe9stamo, la tasa y el plazo en la f\xf3rmula est\xe1ndar de amortizaci\xf3n y suma tus impuestos + seguro + cuotas de HOA mensuales. El resultado es el costo mensual total de ser due\xf1o de esa casa, no solo el pago del pr\xe9stamo.","calc.loanBasics":"Datos b\xe1sicos del pr\xe9stamo","calc.homePrice":"Precio de la casa","calc.homePriceHint":"El precio de compra que tienes como objetivo.","calc.downPaymentPct":"Pago inicial ({pct}%)","calc.downPaymentHint":"Efectivo que aportas al cierre. Menos del 20% generalmente implica PMI; 0% solo en programas VA / USDA.","calc.interestRatePct":"Tasa de inter\xe9s (%)","calc.interestRateHint":"La tasa anual que cobra el prestamista. Se fija una vez que aceptas los t\xe9rminos.","calc.loanTerm":"Plazo del pr\xe9stamo","calc.loanTermHint":"Cu\xe1ntos a\xf1os para pagarlo.","calc.unitYr":"a\xf1os","calc.taxesInsurance":"Impuestos y seguro","calc.propertyTaxRatePct":"Tasa de impuesto a la propiedad (%)","calc.propertyTaxRateHintMonthly":"Un porcentaje del valor de la casa, cobrado por tu condado. La mayor\xeda de los estados est\xe1n entre 0.5 y 2%.","calc.homeInsuranceYear":"Seguro de la casa ($/a\xf1o)","calc.homeInsuranceHint":"P\xf3liza anual de riesgos / propietario de vivienda. Generalmente se paga en una cuenta de plica con tu prestamista.","calc.hoaFeesMonth":"Cuotas de HOA ($/mes)","calc.hoaFeesHint":"Cuotas mensuales de la comunidad / condominio, si tu casa las tiene. Deja 0 si no aplica.","calc.estimatedMonthlyPayment":"Pago mensual estimado","calc.loanAmountLtv":"Monto del pr\xe9stamo {amount} \xb7 LTV {ltv}%","calc.paymentBreakdownAria":"Desglose del pago mensual: Capital e intereses {pi}, impuestos {tax}, seguro {ins}, HOA {hoa}","calc.totalPerMo":"Total / mes","calc.lineprincipalInterest":"Capital e intereses","calc.linePiSub":"El pago real del pr\xe9stamo","calc.linePropertyTaxes":"Impuestos a la propiedad","calc.lineTaxSub":"Impuesto del condado, en plica mensual","calc.lineHomeInsurance":"Seguro de la casa","calc.lineInsSub":"P\xf3liza anual / 12","calc.lineHoaFees":"Cuotas de HOA","calc.lineHoaSub":"Cuotas mensuales de la comunidad","calc.howWeGotThere":"C\xf3mo llegamos a esto","calc.monthlyMath1":"El monto de tu pr\xe9stamo es","calc.monthlyMath2":"({home} de la casa menos {down} de inicial).","calc.monthlyMath3":"Amortizamos eso durante {months} meses al {rate}% para obtener un capital e intereses de","calc.monthlyMath4":"Suma el impuesto a la propiedad ({rate}% del valor de la casa \xf7 12 =","calc.monthlyMath5":"), el seguro (anual \xf7 12 =","calc.monthlyMath6":"), y HOA (","calc.monthlyMath7":"), y llegas a","calc.monthlyMath8":" — el costo total de la casa.","calc.perMo":"{amount}/mes","calc.applyForPreApproval":"Solicitar preaprobaci\xf3n","calc.affordExplainerBody":"Hace el c\xe1lculo a la inversa: parte de tus ingresos y deudas existentes, aplica un tope de DTI (43% convencional, hasta 50% en non-QM) y determina el pr\xe9stamo m\xe1s grande que podr\xedas sostener. Luego suma tu pago inicial para obtener el precio m\xe1ximo de compra.","calc.incomeDebts":"Tus ingresos y deudas","calc.grossMonthlyIncome":"Ingreso mensual bruto ($)","calc.grossMonthlyIncomeHint":"Ingreso mensual antes de impuestos de todas las fuentes. Hogares con dos ingresos: comb\xednalos.","calc.monthlyDebtPayments":"Pagos de deudas mensuales ($)","calc.monthlyDebtPaymentsHint":"Pagos m\xednimos de auto, estudiantil, tarjeta de cr\xe9dito, pe

1nsi\xf3n alimenticia — cualquier cosa que aparezca en un informe de cr\xe9dito.","calc.cashDownPayment":"Pago inicial en efectivo ($)","calc.cashDownPaymentHint":"Dinero que puedes aportar al cierre. M\xe1s efectivo = casa m\xe1xima m\xe1s grande.","calc.loanProperty":"Pr\xe9stamo y propiedad","calc.ratePct":"Tasa (%)","calc.rateHintAfford":"La tasa de mercado actual es aproximadamente 6–7% convencional.","calc.term":"Plazo","calc.termHintAfford":"La mayor\xeda usa 30 a\xf1os.","calc.propertyTaxRateHintAfford":"Tasa anual que cobra tu condado; revisa el c\xf3digo postal de tu objetivo.","calc.insuranceYear":"Seguro ($/a\xf1o)","calc.insuranceHintAfford":"Costo anual de la p\xf3liza. ~$1,200 es lo t\xedpico; las zonas costeras o propensas a incendios cuestan m\xe1s.","calc.hoaMonth":"HOA ($/mes)","calc.hoaHintAfford":"Cuotas mensuales de la comunidad si aplican. 0 para casas sin HOA.","calc.dtiCeilingPct":"Tope de DTI (%)","calc.dtiCeilingHint":"M\xe1xima relaci\xf3n deuda-ingreso que permite el prestamista. 43% convencional, hasta 50% en non-QM agresivo.","calc.youCanAffordUpTo":"Puedes pagar hasta","calc.noHeadroomTitle":"A\xfan no hay suficiente margen","calc.noHeadroomBody":"Con ${debts}/mes en deudas existentes, tu DTI ya est\xe1 en o por encima del tope del {dti}%. Intenta reducir deudas, aumentar ingresos o subir el l\xedmite de DTI (algunos programas non-QM llegan al 50%).","calc.maxLoanAmount":"Monto m\xe1ximo del pr\xe9stamo","calc.monthlyHousingBudget":"Presupuesto mensual de vivienda","calc.housingBudgetSub":"{dti}% de {income} − deudas","calc.totalMonthlyPayment":"Pago mensual total","calc.piTaxInsHoa":"Capital e intereses + impuesto + seguro + HOA","calc.affordMath1":"Tu ingreso mensual bruto de","calc.affordMath2":"con un DTI del {dti}% te da","calc.affordMath3":"para deudas mensuales totales. Resta tus","calc.affordMath4":"en deudas existentes y tienes","calc.affordMath5":"para vivienda. Calculando a la inversa capital e intereses, impuestos, seguro y HOA, obtenemos un pr\xe9stamo m\xe1ximo de","calc.affordMath6":"; suma tu","calc.affordMath7":"de pago inicial para un precio m\xe1ximo de compra de","calc.refiExplainerBody":"Determina si refinanciar hoy realmente te ahorra dinero. Compara tu capital e intereses actuales con el nuevo pago, considera los costos de cierre y te indica el punto de equilibrio (cu\xe1nto tiempo hasta que el ahorro cubra el costo del refinanciamiento).","calc.yourCurrentLoan":"Tu pr\xe9stamo actual","calc.outstandingBalance":"Saldo pendiente ($)","calc.outstandingBalanceHint":"Lo que debes actualmente — lo encuentras en tu estado de cuenta hipotecario m\xe1s reciente.","calc.currentMonthlyPi":"Capital e intereses mensuales actuales ($)","calc.currentMonthlyPiHint":"Solo capital + intereses, NO tu pago hipotecario total. La parte de la plica no cambia en un refinanciamiento.","calc.monthsRemaining":"Meses restantes","calc.monthsRemainingHint":"Cu\xe1ntos meses quedan en tu pr\xe9stamo actual. 360 es uno nuevo de 30 a\xf1os.","calc.theRefiOffer":"La oferta de refinanciamiento","calc.newRatePct":"Nueva tasa (%)","calc.newRateHint":"La tasa que te han cotizado. M\xe1s baja que tu tasa actual significa ahorro real.","calc.newTermMonths":"Nuevo plazo (meses)","calc.newTermHint":"Duraci\xf3n del nuevo pr\xe9stamo. 360 = 30 a\xf1os; 180 = 15. Reiniciar a 30 baja el pago pero cuesta m\xe1s a largo plazo.","calc.closingCosts":"Costos de cierre ($)","calc.closingCostsHint":"Honorarios del prestamista + costos de terceros. Generalmente 2–5% del monto del pr\xe9stamo, salvo que tu prestamista ofrezca refinanciamiento sin costo.","calc.refiMakesSense":"El refinanciamiento tiene sentido","calc.refiBorderline":"Espera — este caso es dudoso","calc.refiSkip":"Omitir — el pago sube","calc.recommendation":"Recomendaci\xf3n","calc.newMonthlyPi":"Nuevos capital e intereses mensuales","calc.monthlySavings":"Ahorro mensual","calc.savingsKeepMore":"Conservas m\xe1s cada mes","calc.savingsHigher":"El nuevo pago es m\xe1s alto","calc.breakEven":"Punto de equilibrio","calc.unitMonthsShort":"{n} meses","calc.breakEvenSubRefi":"Meses para recuperar los costos de cierre","calc.theLifetimeMath":"El c\xe1lculo a largo plazo","calc.refiMath1":"Si refinancias hoy y pagas durante los {months} meses restantes, el ahorro neto (despu\xe9s de los {costs} en costos de cierre) ser\xeda","calc.refiVerdictRefi":"Este refinanciamiento se paga solo mucho antes de que termine tu pr\xe9stamo — generalmente luz verde.","calc.refiVerdictWait":"El punto de equilibrio llega m\xe1s tarde de lo que esperas pagar este pr\xe9stamo. Considera esperar a una mayor baja de tasa o buscar un refinanciamiento sin costos de cierre.","calc.refiVerdictSkip":"La nueva tasa aumenta tu pago — no hay ning\xfan escenario en el que este refinanciamiento te devuelva el dinero.","calc.getRealRefiQuote":"Obtener una cotizaci\xf3n real de refinanciamiento","calc.inputs":"Datos de entrada","calc.loanAmount":"Monto del pr\xe9stamo","calc.parRate":"Tasa par (sin puntos)","calc.parRateHint":"La tasa ofrecida sin puntos de descuento.","calc.boughtDownRate":"Tasa reducida con puntos","calc.boughtDownRateHint":"La tasa m\xe1s baja que se ofrece si pagas puntos por adelantado.","calc.pointsAtClosing":"Puntos al cierre","calc.pointsAtClosingHint":"Un punto = 1% del monto del pr\xe9stamo, pagado al cierre.","calc.unitYears":"a\xf1os","calc.keepLoanHowLong":"Cu\xe1nto tiempo conservar\xe1s este pr\xe9stamo","calc.keepLoanHint":"El dato m\xe1s importante — los puntos solo se recuperan si te quedas el tiempo suficiente.","calc.shouldYouBuyPoints":"\xbfDeber\xedas comprar puntos?","calc.verdict":"Veredicto","calc.tierStrong":"S\xed, sin duda, si te quedas ≥ {months} meses. C\xe1lculo s\xf3lido.","calc.tierViable":"Vale la pena considerarlo — alcanzas el equilibrio a los {months} meses. Compra solo si est\xe1s seguro de que te quedar\xe1s ese tiempo.","calc.tierWeak":"Probablemente no. El punto de equilibrio est\xe1 demasiado lejos para que el ahorro llegue realmente a tu bolsillo.","calc.parMonthlyPi":"Capital e intereses mensuales a tasa par","calc.boughtDownMonthlyPi":"Capital e intereses mensuales a tasa reducida","calc.buyDownSavingsYes":"Pago m\xe1s bajo gracias a la reducci\xf3n","calc.buyDownSavingsNo":"Sin ahorro — la tasa reducida no es realmente m\xe1s baja.","calc.costAtClosing":"Costo al cierre","calc.costAtClosingSub":"{pts} pts \xd7 {amount}","calc.unitMonths":"{n} meses","calc.breakEvenNoRecoup":"El ahorro no recupera el costo.","calc.breakEvenSubBuyDown":"Meses hasta que el pago m\xe1s bajo compense el costo inicial.","calc.netIfStayOne":"Neto si te quedas {years} a\xf1o","calc.netIfStayMany":"Neto si te quedas {years} a\xf1os","calc.netPositiveSub":"D\xf3lares netos en tu bolsillo durante ese per\xedodo.","calc.netNegativeSub":"A\xfan no has alcanzado el punto de equilibrio.","calc.howItWorks":"C\xf3mo funciona","calc.buyDownHowItWorksBody":"Los puntos de descuento son intereses pagados por adelantado — le das dinero al prestamista por adelantado y \xe9l te da una tasa m\xe1s baja durante toda la vida del pr\xe9stamo. El pago m\xe1s bajo te ahorra dinero cada mes, pero solo de

1spu\xe9s de haber compensado el costo inicial. El punto de equilibrio es cuando el ahorro acumulado iguala lo que pagaste en puntos. Si vendes o refinancias antes de eso, pierdes dinero.","calc.glossaryTitle":"Hipoteca 101 — t\xe9rminos clave usados arriba","calc.glossaryTapToExpand":"Toca para expandir. {count} t\xe9rminos.","calc.glossary_pi_term":"Capital e intereses (P&I)","calc.glossary_pi_def":"El pago real del pr\xe9stamo — lo que le debes al prestamista cada mes por el dinero que pediste prestado. No incluye impuestos ni seguro.","calc.glossary_escrow_term":"Plica (escrow)","calc.glossary_escrow_def":"Una cuenta separada que tu prestamista usa para cobrar el impuesto a la propiedad + el seguro de propietario con cada pago hipotecario, y luego paga las facturas en tu nombre.","calc.glossary_dti_term":"DTI (Relaci\xf3n deuda-ingreso)","calc.glossary_dti_def":"Total de pagos mensuales de deuda \xf7 ingreso mensual bruto. Los prestamistas lo limitan al 43% convencional / 50% en programas non-QM agresivos.","calc.glossary_ltv_term":"LTV (Relaci\xf3n pr\xe9stamo-valor)","calc.glossary_ltv_def":"Monto del pr\xe9stamo \xf7 valor de la casa. 80% LTV = 20% de inicial. Un LTV m\xe1s bajo generalmente significa una mejor tasa.","calc.glossary_pmi_term":"PMI (Seguro hipotecario privado)","calc.glossary_pmi_def":"Requerido cuando das menos del 20% de inicial en un pr\xe9stamo convencional. Costo adicional de ~0.3–1.5% del pr\xe9stamo al a\xf1o; desaparece autom\xe1ticamente al llegar al 78% LTV.","calc.glossary_apr_term":"APR","calc.glossary_apr_def":"La tasa + los honorarios del prestamista expresados como un \xfanico porcentaje anual. Siempre es m\xe1s alta que la tasa principal; la diferencia son en su mayor\xeda los costos de cierre amortizados.","calc.glossary_lock_term":"Fijaci\xf3n de tasa (lock)","calc.glossary_lock_def":'Una vez que aceptas los t\xe9rminos, tu oficial de pr\xe9stamos "fija" la tasa para que no pueda moverse en tu contra mientras se completa el expediente. Las fijaciones suelen durar de 30 a 60 d\xedas.',"calc.glossary_breakEven_term":"Punto de equilibrio","calc.glossary_breakEven_def":"Cu\xe1ntos meses de ahorro del refinanciamiento se necesitan para recuperar sus costos de cierre. El refinanciamiento tiene sentido cuando planeas conservar el pr\xe9stamo bastante m\xe1s all\xe1 del punto de equilibrio.","calc.glossary_loanTypes_term":"Convencional vs FHA / VA / USDA","calc.glossary_loanTypes_def":"Los pr\xe9stamos convencionales siguen las reglas de Fannie/Freddie. FHA acepta puntajes m\xe1s bajos; VA es para veteranos (sin inicial); USDA es de zona rural sin inicial. Cada uno tiene topes de DTI y reglas de PMI diferentes.","legal.eyebrow":"Unified Loan System \xb7 Legal","legal.tocAriaLabel":"Tabla de contenidos","legal.tocContents":"Contenidos","legal.lastUpdatedLabel":"\xdaltima actualizaci\xf3n:","legal.seeAlso":"Consulte tambi\xe9n el","legal.and":"y","legal.masterSaasAgreement":"Acuerdo Maestro de SaaS","legal.dataProcessingAgreement":"Acuerdo de Procesamiento de Datos","legal.smsTermsLink":"T\xe9rminos de SMS","legal.termsTitle":"T\xe9rminos del Servicio","legal.termsLastUpdated":"\xdaltima actualizaci\xf3n: 21 de mayo de 2026.","legal.termsTocAgreement":"1. Aceptaci\xf3n de los T\xe9rminos","legal.termsTocIpRights":"2. Derechos de Propiedad Intelectual","legal.termsTocUserRepresentations":"3. Declaraciones del Usuario","legal.termsTocLendingServices":"4. Servicios de Pr\xe9stamo","legal.termsTocSmsProgram":"5. Programa de SMS","legal.termsTocTermination":"6. Terminaci\xf3n","legal.termsTocModifications":"7. Modificaciones e Interrupciones","legal.termsAgreementHeading":"1. Aceptaci\xf3n de los T\xe9rminos","legal.termsAgreementBody":"Estos T\xe9rminos del Servicio constituyen un acuerdo legalmente vinculante celebrado entre usted, ya sea personalmente o en nombre de una entidad (“usted”), y Unified Loan System (“nosotros” o “nuestro”), en relaci\xf3n con su acceso y uso de nuestro sitio web y servicios. Al acceder al sitio, usted reconoce que ha le\xeddo, entendido y acepta estar sujeto a todos estos T\xe9rminos del Servicio.","legal.termsIpRightsHeading":"2. Derechos de Propiedad Intelectual","legal.termsIpRightsBody":"Salvo que se indique lo contrario, el Sitio es de nuestra propiedad exclusiva, y todo el c\xf3digo fuente, las bases de datos, la funcionalidad, el software, los dise\xf1os del sitio web, el audio, el video, el texto, las fotograf\xedas y los gr\xe1ficos del Sitio (en conjunto, el “Contenido”), as\xed como las marcas comerciales, marcas de servicio y logotipos contenidos en \xe9l (las “Marcas”), son de nuestra propiedad o est\xe1n bajo nuestro control o nos han sido otorgados bajo licencia, y est\xe1n protegidos por las leyes de derechos de autor y de marcas.","legal.termsUserRepresentationsHeading":"3. Declaraciones del Usuario","legal.termsUserRepresentationsIntro":"Al usar el Sitio, usted declara y garantiza que:","legal.termsUserRepresentationsItem1":"Toda la informaci\xf3n de registro que env\xede ser\xe1 verdadera, exacta, actual y completa.","legal.termsUserRepresentationsItem2":"Mantendr\xe1 la exactitud de dicha informaci\xf3n y actualizar\xe1 sin demora dicha informaci\xf3n de registro 

1seg\xfan sea necesario.","legal.termsUserRepresentationsItem3":"Tiene la capacidad legal y acepta cumplir con estos T\xe9rminos del Servicio.","legal.termsUserRepresentationsItem4":"No acceder\xe1 al Sitio por medios automatizados o no humanos, ya sea mediante un bot, script o de otro modo.","legal.termsLendingServicesHeading":"4. Servicios de Pr\xe9stamo","legal.termsLendingServicesBody":"Unified Loan System proporciona una plataforma para que los corredores de hipotecas presenten y gestionen solicitudes de pr\xe9stamo. No somos un banco ni un prestamista directo. Todas las aprobaciones de pr\xe9stamos est\xe1n sujetas a las condiciones finales de suscripci\xf3n y verificaci\xf3n que determine el prestamista que otorga los fondos.","legal.termsSmsProgramHeading":"5. Programa de SMS","legal.termsSmsIntro":"Unified Loan System env\xeda mensajes SMS transaccionales —incluidos c\xf3digos de autenticaci\xf3n de dos factores, alertas de seguridad, actualizaciones del estado del pr\xe9stamo, solicitudes de documentos, enlaces de firma electr\xf3nica y notificaciones de cierre— a los usuarios que han optado afirmativamente por participar al proporcionar un n\xfamero de m\xf3vil y marcar la casilla de consentimiento de SMS durante el registro, en la configuraci\xf3n de la cuenta o como parte de su solicitud de pr\xe9stamo. No enviamos SMS de marketing ni promocionales.","legal.termsSmsOptOutLabel":"Cancelaci\xf3n de suscripci\xf3n:","legal.termsSmsOptOutBefore":"Env\xede","legal.termsSmsOptOutMiddle":"a cualquier SMS de Unified Loan System para cancelar futuros mensajes. Env\xede","legal.termsSmsOptOutHelp":"para obtener ayuda, o visite","legal.termsSmsOptOutOrEmail":"o env\xede un correo electr\xf3nico a","legal.termsSmsRatesLabel":"Pueden aplicarse tarifas de mensajes y datos.","legal.termsSmsRatesBody":"Unified Loan System no cobra ninguna tarifa por los SMS, pero su operador de telefon\xeda m\xf3vil puede cobrar por los mensajes enviados o recibidos seg\xfan su plan.","legal.termsSmsCarriersLabel":"Los operadores no son responsables de los mensajes retrasados o no entregados.","legal.termsSmsCarriersBody":"No se garantiza la entrega de ning\xfan mensaje individual. Consulte nuestros","legal.termsSmsCommunicationsTermsLink":"T\xe9rminos de Comunicaciones por SMS","legal.termsSmsCarriersAfter":"para conocer la frecuencia, los operadores compatibles, la revocaci\xf3n del consentimiento y la informaci\xf3n de contacto.","legal.termsTerminationHeading":"6. Terminaci\xf3n","legal.termsTerminationBody":"Podemos cancelar o suspender su cuenta y bloquear el acceso al Servicio de inmediato, sin previo aviso ni responsabilidad, a nuestra entera discreci\xf3n, por cualquier motivo y sin limitaci\xf3n, incluido, entre otros, el incumplimiento de los T\xe9rminos.","legal.termsModificationsHeading":"7. Modificaciones e Interrupciones","legal.termsModificationsBody":"Nos reservamos el derecho de cambiar, modificar o eliminar el contenido del Sitio en cualquier momento o por cualquier motivo, a nuestra entera discreci\xf3n y sin previo aviso. No seremos responsables ante usted ni ante terceros por ninguna modificaci\xf3n, cambio de precio, suspensi\xf3n o interrupci\xf3n del Sitio.","legal.privacyLastUpdated":"\xdaltima actualizaci\xf3n: 2 de junio de 2026.","legal.privacyFirstLabel":"Su Privacidad Primero","legal.privacyFirstBody":"Unified Loan System nunca vender\xe1, arrendar\xe1 ni compartir\xe1 su n\xfamero de tel\xe9fono m\xf3vil ni sus datos de consentimiento de SMS con terceros o afiliados de marketing. La aceptaci\xf3n de SMS se mantiene en estricta confidencialidad y se utiliza \xfanicamente para entregar los mensajes transaccionales que usted ha solicitado expl\xedcitamente.","legal.privacyTocIntroduction":"1. Introducci\xf3n","legal.privacyTocInfoCollect":"2. Informaci\xf3n que Recopilamos","legal.privacyTocHowWeUse":"3. C\xf3mo Usamos su Informaci\xf3n","legal.privacyTocSharing":"4. C\xf3mo Compartimos su Informaci\xf3n","legal.privacyTocDataSecurity":"5. Seguridad de los Datos","legal.privacyTocMobileSms":"6. Informaci\xf3n M\xf3vil y Datos de SMS","legal.privacyTocGoogleData":"7. Datos de Usuario de Google","legal.privacyTocContact":"8. Cont\xe1ctenos","legal.privacyIntroHeading":"1. Introducci\xf3n","legal.privacyIntroBody":"Bienvenido a Unified Loan System (“nosotros”, “nuestro” o “nos”). Nos comprometemos a proteger su informaci\xf3n personal y su derecho a la privacidad. Esta Pol\xedtica de Privacidad explica c\xf3mo recopilamos, usamos, divulgamos y protegemos su informaci\xf3n cuando visita nuestro sitio web y utiliza nuestros servicios.","legal.privacyInfoCollectHeading":"2. Informaci\xf3n que Recopilamos","legal.privacyInfoCollectIntro":"Recopilamos la informaci\xf3n que nos proporciona voluntariamente cuando usted:","legal.privacyInfoCollectItem1":"Se registra en el sitio web","legal.privacyInfoCollectItem2":"Presenta solicitudes de pr\xe9stamo o documentos","legal.privacyInfoCollectItem3":"Nos contacta para obtener soporte","legal.privacyInfoCollectItem4":"Participa en encuestas o promociones","legal.privacyInfoCollectBody":"Esto puede incluir nombres, direcciones de correo electr\xf3nico, n\xfameros de tel\xe9fono, informaci\xf3n financiera y datos de empleo necesarios para el procesamiento del pr\xe9stamo.","legal.privacyHowWeUseHeading":"3. C\xf3mo Usamos su Informaci\xf3n","legal.privacyHowWeUseIntro":"Usamos la informaci\xf3n que recopilamos o recibimos para:","legal.privacyHowWeUseItem1":"Facilitar la creaci\xf3n de cuentas y el proceso de inicio de sesi\xf3n","legal.privacyHowWeUseItem2":"Procesar solicitudes de pr\xe9stamo y la suscripci\xf3n","legal.privacyHowWeUseItem3":"Enviarle informaci\xf3n administrativa","legal.privacyHowWeUseItem4":"Proteger nuestros servicios y derechos legales","legal.privacyHowWeUseItem5":"Responder a solicitudes legales y prevenir da\xf1os","legal.privacySharingHeading":"4. C\xf3mo Compartimos su Informaci\xf3n","legal.privacySharingBefore":"Podemos compartir informaci\xf3n con terceros que prestan servicios para nosotros o en nuestro nombre, incluidos el an\xe1lisis de datos, la entrega de correo electr\xf3nico, los servicios de alojamiento, el servicio al cliente y la asistencia de marketing. No vendemos su informaci\xf3n personal a terceros para sus propios fines de marketing. Consulte nuestra","legal.privacySharingSubProcessorLink":"lista de subprocesadores","legal.privacySharingAfter":"para conocer los proveedores espec\xedficos con los que trabajamos.","legal.privacyDataSecurityHeading":"5. Seguridad de los Datos","legal.privacyDataSecurityBo

1dy":"Utilizamos medidas de seguridad administrativas, t\xe9cnicas y f\xedsicas para ayudar a proteger su informaci\xf3n personal. Si bien hemos tomado medidas razonables para proteger la informaci\xf3n personal que nos proporciona, tenga en cuenta que, a pesar de nuestros esfuerzos, ninguna medida de seguridad es perfecta o impenetrable, y no se puede garantizar que ning\xfan m\xe9todo de transmisi\xf3n de datos est\xe9 libre de interceptaci\xf3n u otro tipo de uso indebido.","legal.privacyMobileSmsHeading":"6. Informaci\xf3n M\xf3vil y Datos de SMS","legal.privacyMobileSmsBody1":"Si proporciona un n\xfamero de tel\xe9fono m\xf3vil y opta afirmativamente por recibir mensajes SMS durante el registro, en la configuraci\xf3n de su cuenta o como parte de su solicitud de pr\xe9stamo, Unified Loan System le enviar\xe1 mensajes de texto transaccionales relacionados con su cuenta y su expediente de pr\xe9stamo activo (c\xf3digos de autenticaci\xf3n, actualizaciones del estado del pr\xe9stamo, solicitudes de firma electr\xf3nica y alertas de seguridad de la cuenta).","legal.privacyMobileSmsBody2":"No se compartir\xe1 ninguna informaci\xf3n m\xf3vil con terceros/afiliados para fines de marketing/promocionales. Todas las categor\xedas anteriores excluyen los datos de aceptaci\xf3n y consentimiento del remitente de mensajes de texto; esta informaci\xf3n no se compartir\xe1 con ning\xfan tercero.","legal.privacyMobileSmsBefore":"Consulte nuestros","legal.privacyMobileSmsAfter":"para conocer la descripci\xf3n completa del programa de mensajes, las palabras clave de cancelaci\xf3n, la frecuencia, los operadores compatibles y los detalles sobre la revocaci\xf3n del consentimiento.","legal.privacyGoogleDataHeading":"7. Datos de Usuario de Google","legal.privacyGoogleDataGmailBefore":"Cuando conecta su cuenta de Google, Unified Loan System solicita acceso de solo lectura a su Gmail","legal.privacyGoogleDataCalendarBefore":"y acceso a los eventos de su Google Calendar","legal.privacyGoogleDataUsage":"Usamos el acceso de solo lectura a Gmail \xfanicamente para importar una muestra de sus propios correos electr\xf3nicos enviados recientemente con el fin de entrenar un modelo personalizado de estilo de escritura, de modo que nuestro asistente de IA pueda redactar mensajes con su voz; nunca enviamos, modificamos ni eliminamos su correo electr\xf3nico. Usamos el acceso al Calendario \xfanicamente para crear y leer eventos de programaci\xf3n dentro de su flujo de trabajo de pr\xe9stamo.","legal.privacyGoogleDataAdheresBefore":"El uso y la transferencia por parte de Unified Loan System de la informaci\xf3n recibida de las API de Google se ajustan a la","legal.privacyGoogleDataPolicyLink":"Pol\xedtica de Datos de Usuario de los Servicios de API de Google","legal.privacyGoogleDataAdheresAfter":", incluidos los requisitos de Uso Limitado.","legal.privacyGoogleDataNoSell":"No vendemos los datos de usuario de Google, no los usamos para publicidad ni los transferimos a terceros, salvo para proporcionar estas funciones, cumplir con la ley aplicable o como parte de una fusi\xf3n o adquisici\xf3n. Puede revocar el acceso en cualquier momento desconectando Google en su configuraci\xf3n o a trav\xe9s de los permisos de su Cuenta de Google, lo que elimina las muestras de correo electr\xf3nico almacenadas.","legal.privacyContactHeading":"8. Cont\xe1ctenos","legal.privacyContactBefore":"Si tiene preguntas o comentarios sobre esta pol\xedtica, env\xedenos un correo electr\xf3nico a","legal.cookieTitle":"Pol\xedtica de Cookies","legal.cookieUseHeading":"1. Uso de Cookies","legal.cookieUseBody":"Unified Loan System utiliza cookies para mejorar su experiencia en nuestro sitio web. Las cookies son archivos de texto que se colocan en su computadora para recopilar informaci\xf3n est\xe1ndar de registro de Internet e informaci\xf3n sobre el comportamiento de los visitantes. Cuando visita nuestros sitios web, podemos recopilar informaci\xf3n de usted autom\xe1ticamente a trav\xe9s de cookies o tecnolog\xeda similar.","legal.cookieHowHeading":"2. C\xf3mo Usamos las Cookies","legal.cookieHowIntro":"Usamos cookies de diversas maneras para mejorar su experiencia en nuestro sitio web, entre ellas:","legal.cookieHowItem1":"Mantenerlo con la sesi\xf3n iniciada","legal.cookieHowItem2":"Entender c\xf3mo usa nuestro sitio web","legal.cookieHowItem3":"Guardar sus preferencias","legal.cookieTypesHeading":"3. Tipos de Cookies que Usamos","legal.cookieFunctionalityHeading":"Funcionalidad","legal.cookieFunctionalityBo

1dy":"Nuestra empresa utiliza estas cookies para reconocerlo en nuestro sitio web y recordar sus preferencias seleccionadas anteriormente. Estas podr\xedan incluir el idioma que prefiere y la ubicaci\xf3n en la que se encuentra.","legal.cookieSecurityHeading":"Seguridad","legal.cookieSecurityBody":"Usamos cookies de seguridad para autenticar a los usuarios, prevenir el uso fraudulento de las credenciales de inicio de sesi\xf3n y proteger los datos de los usuarios de partes no autorizadas.","legal.cookieManagingHeading":"4. Gesti\xf3n de Cookies","legal.cookieManagingBody":"Puede configurar su navegador para que no acepte cookies. Sin embargo, en algunos casos, es posible que algunas funciones de nuestro sitio web no funcionen como resultado.","legal.disclaimerTitle":"Aviso Legal","legal.disclaimerWebsiteHeading":"1. Aviso Legal del Sitio Web","legal.disclaimerWebsiteBody":'La informaci\xf3n proporcionada por Unified Loan System ("nosotros" o "nuestro") en este sitio web tiene \xfanicamente fines informativos generales. Toda la informaci\xf3n del Sitio se proporciona de buena fe; sin embargo, no hacemos ninguna declaraci\xf3n ni garant\xeda de ning\xfan tipo, expresa o impl\xedcita, con respecto a la exactitud, idoneidad, validez, fiabilidad, disponibilidad o integridad de cualquier informaci\xf3n del Sitio.',"legal.disclaimerFinancialHeading":"2. Aviso Legal Financiero","legal.disclaimerFinancialBody":"El Sitio no contiene asesoramiento financiero. La informaci\xf3n financiera se proporciona \xfanicamente con fines informativos y educativos generales y no sustituye el asesoramiento profesional. Antes de tomar cualquier medida basada en dicha informaci\xf3n, le recomendamos que consulte con los profesionales correspondientes. No brindamos ning\xfan tipo de asesoramiento financiero. EL USO O LA CONFIANZA EN CUALQUIER INFORMACI\xd3N CONTENIDA EN EL SITIO ES BAJO SU PROPIO RIESGO EXCLUSIVO.","legal.disclaimerExternalLinksHeading":"3. Aviso Legal sobre Enlaces Externos","legal.disclaimerExternalLinksBody":"El Sitio puede contener (o usted puede ser dirigido a trav\xe9s del Sitio a) enlaces a otros sitios web o contenido pertenecientes u originados por terceros, o enlaces a sitios web y funciones en banners u otra publicidad. Dichos enlaces externos no son investigados, supervisados ni verificados por nosotros en cuanto a su exactitud, idoneidad, validez, fiabilidad, disponibilidad o integridad.","mktg.featuresHeroEyebrow":"Funciones de la plataforma","mktg.featuresHeroTitleLine1":"Todo lo que necesita","mktg.featuresHeroTitleLine2":"para cerrar m\xe1s r\xe1pido","mktg.featuresHeroSubtitle":"Una sola plataforma cubre todo el ciclo de originaci\xf3n: suscripci\xf3n con IA, verificaci\xf3n de documentos, cumplimiento, firma electr\xf3nica y CRM. No se requieren complementos.","mktg.featAiCategory":"IA y suscripci\xf3n","mktg.featAiHeadline":"Suscripci\xf3n impulsada por IA","mktg.featAiSubhead":"Obtenga decisiones al instante, no horas despu\xe9s.","mktg.featAiDesc":"Nuestro motor de IA analiza miles de datos en tiempo real para ofrecer preaprobaciones precisas y mostrar las condiciones por adelantado. Deje de esperar a que los suscriptores contesten el tel\xe9fono.","mktg.featAiBullet1":"Cartas de preaprobaci\xf3n instant\xe1neas con lista completa de condiciones","mktg.featAiBullet2":"Generaci\xf3n automatizada de STIP vinculada a campos faltantes del 1003","mktg.featAiBullet3":"Simulaci\xf3n de resultados AUS de DU/LP antes del env\xedo real","mktg.featAiBullet4":"Puntuaci\xf3n de riesgo con razonamiento explicable por pr\xe9stamo","mktg.featDocsCategory":"Documentos","mktg.featDocsHeadline":"Verificaci\xf3n neuronal de documentos","mktg.featDocsSubhead":"Deje de leer PDF manualmente.","mktg.featDocsDesc":"Nuestro flujo de OCR lee talones de pago, formularios W-2, 1099, declaraciones de impuestos y estados de cuenta bancarios. Compara los datos extra\xeddos con el 1003 y marca cada discrepancia autom\xe1ticamente.","mktg.featDocsBullet1":"OCR de consenso de doble proveedor (Textract + Gemini Vision)","mktg.featDocsBullet2":"99.7% de precisi\xf3n en documentos limpios, con respaldo elegante en casos l\xedmite","mktg.featDocsBullet3":"Captura de identificaci\xf3n frontal y posterior con escaneo de c\xf3digo de barras AAMVA","mktg.featDocsBullet4":"Interfaz de verificar antes de guardar: vea los datos extra\xeddos antes de que lleguen al expediente del pr\xe9stamo","mktg.featPipelineCategory":"Flujo de trabajo","mktg.featPipelineHeadline":"Originaci\xf3n de pr\xe9stamos integral","mktg.featPipelineSubhead":"Todo su flujo de trabajo, un solo panel.","mktg.featPipelineDesc":"Desde el 1003 de invitado hasta la firma electr\xf3nica y la entrega al prestamista, el flujo de originaci\xf3n completo est\xe1 en Unified Loan System. Sin hojas de c\xe1lculo, sin cadenas de correos, sin necesidad de un LOS de terceros.","mktg.featPipelineBullet1":"Flujo de trabajo Kanban con seguimiento de estado en tiempo real","mktg.featPipelineBullet2"

1:"Firma electr\xf3nica interna (PAdES): sin tarifa de DocuSign por sobre","mktg.featPipelineBullet3":"Exportaci\xf3n MISMO 3.4 a prestamistas para UWM y otros prestamistas mayoristas","mktg.featPipelineBullet4":"Registro de auditor\xeda de firma electr\xf3nica: IP, marca de tiempo y campos firmados por evento","mktg.featCrmCategory":"CRM","mktg.featCrmHeadline":"CRM + campa\xf1as de correo con IA","mktg.featCrmSubhead":"Su libreta de contactos con cerebro.","mktg.featCrmDesc":"CRM integrado para prospectos, prestatarios, socios y contactos de difusi\xf3n. Breeze AI redacta y programa campa\xf1as, gestiona la reactivaci\xf3n y env\xeda seguimientos posteriores al cierre autom\xe1ticamente.","mktg.featCrmBullet1":"Lista unificada de personas: prospectos, prestatarios, socios y contactos","mktg.featCrmBullet2":"Breeze AI redacta texto de correo personalizado a nivel de segmento","mktg.featCrmBullet3":"Campa\xf1as en piloto autom\xe1tico con limitaci\xf3n de horario laboral + control de env\xedos","mktg.featCrmBullet4":"Reactivaci\xf3n y seguimientos posteriores al cierre en un calendario configurable","mktg.featComplianceCategory":"Cumplimiento","mktg.featComplianceHeadline":"Motor de cumplimiento integrado","mktg.featComplianceSubhead":"Mant\xe9ngase en regla sin la carga manual.","mktg.featComplianceDesc":"Las verificaciones automatizadas de ATR, HMDA, OFAC y de costos elevados a nivel estatal se ejecutan en cada edici\xf3n del pr\xe9stamo. Los registros de auditor\xeda, la exportaci\xf3n LAR y la entrega MISMO lo mantienen listo para auditor\xedas en todo momento.","mktg.featComplianceBullet1":"Detecci\xf3n ATR (Reg Z), HMDA y OFAC en cada guardado del pr\xe9stamo","mktg.featComplianceBullet2":"Enrutamiento estatal: costos elevados de CA, NY, TX, FL + \xa71026.32 federal","mktg.featComplianceBullet3":"Registro de auditor\xeda en /admin/audit: historial completo de eventos por pr\xe9stamo","mktg.featComplianceBullet4":"Exportaci\xf3n CSV de HMDA LAR y archivo de env\xedo al prestamista MISMO 3.4","mktg.featSecurityCategory":"Seguridad","mktg.featSecurityHeadline":"Seguridad de nivel empresarial","mktg.featSecuritySubhead":"Dise\xf1ada para la sensibilidad de los datos hipotecarios.","mktg.featSecurityDesc":"Tres niveles de refuerzo de seguridad: bloqueo de cuenta, MFA, claves de acceso, vinculaci\xf3n de sesi\xf3n, detecci\xf3n de viaje imposible y autenticaci\xf3n reforzada para cada acci\xf3n sensible.","mktg.featSecurityBullet1":"Claves de acceso (WebAuthn) + MFA TOTP para corredores","mktg.featSecurityBullet2":"Autenticaci\xf3n reforzada en consultas de cr\xe9dito, bloqueos de tasa y revelaciones de SSN/fecha de nacimiento","mktg.featSecurityBullet3":"Alertas de viaje imposible + cierre de sesi\xf3n en todos los dispositivos","mktg.featSecurityBullet4":"Vinculaci\xf3n de IP/UA de sesi\xf3n + aplicaci\xf3n de tiempo de espera por inactividad","mktg.featuresCtaTitlePrefix":"\xbfListo para","mktg.featuresCtaTitleHighlight":"verlo en acci\xf3n?","mktg.featuresCtaSubtitle":"Cree una cuenta gratuita y procese su primer pr\xe9stamo en la plataforma en menos de 10 minutos.","mktg.featuresCtaFinePrint":"No se requiere tarjeta de cr\xe9dito \xb7 Prueba de 14 d\xedas \xb7 Cancele cuando quiera","mktg.benefitsHeroEyebrow":"Por qu\xe9 Unified Loan System","mktg.benefitsHeroTitlePrefix":"Por qu\xe9 unirse","mktg.benefitsHeroSubtitle":"No somos solo una plataforma: somos su socio de crecimiento. Vea c\xf3mo ayudamos a los corredores a cerrar m\xe1s, m\xe1s r\xe1pido y con menos carga.","mktg.metricFasterClosingsLabel":"Cierres m\xe1s r\xe1pidos","mktg.metricFasterClosingsDesc":"El tiempo promedio de clear-to-close se reduce de 30 a 10 d\xedas gracias a flujos de trabajo automatizados y decisiones de IA instant\xe1neas.","mktg.metricAlwaysOnLabel":"Siempre disponible","mktg.metricAlwaysOnDesc":"Simule decisiones de suscripci\xf3n a las 2 a. m. Nunca espere a que un suscriptor conteste el tel\xe9fono.","mktg.metricTransparentLabel":"Transparente","mktg.metricTransparentDesc":"Actualizaciones de estado en tiempo real para usted y sus prestatarios. Sin rechazos de caja negra, nunca.","mktg.metricLessManualLabel":"Menos trabajo manual","mktg.metricLessManualDesc":"Los corredores informan que dedican un 60% menos de tiempo a la revisi\xf3n de documentos tras cambiar a la verificaci\xf3n con OCR neuronal.","mktg.benefitsGridTitlePrefix":"Dise\xf1ado para resolver","mktg.benefitsGridTitleHighlight":"problemas reales","mktg.benefitsGridSubtitle":"Cada funci\xf3n se dise\xf1\xf3 en torno a un punto de dolor espec\xedfico del flujo de originaci\xf3n.","mktg.benefitNoManualReviewTitle":"Se acab\xf3 la revisi\xf3n manual de documentos","mktg.benefitNoManualReviewDesc":"Suba talones de pago, formularios W-2, estados de cuenta bancarios y declaraciones de impuestos. Nuestra IA lee, extrae y compara autom\xe1ticamente cada cifra con el 1003.","mktg.benefitStayEngagedTitle":"Prestatarios que realmente se mantienen involucrados","mktg.benefitStayEngagedDesc":"El portal del prestatario con marca blanca mantiene informados a los prestatarios en cada etapa. Breeze AI gestiona los seguimientos para que usted no tenga que hacerlo.","mktg.benefitComplianceTitle":"Cierre sin la ansiedad del cumplimiento","mktg.benefitComplianceDesc":"Cada pr\xe9stamo se examina autom\xe1ticamente con las reglas de ATR, HMDA, OFAC y de costos elevados estatales. Los registros de auditor\xeda y las exportaciones LAR est\xe1n siempre listos.","mktg.benefitEsignTitle":"Firma electr\xf3nica sin tarifa por sobre","mktg.benefitEsignDesc":"La firma electr\xf3nica interna PAdES est\xe1 incluida en todos los planes pagos. Env\xede paquetes de firma ilimitados sin que aparezca una factura de DocuSign a fin de mes.","mktg.benefitScaleTitle":"Escale sin aumentar personal","mktg.benefitScaleDesc":"La capa de automatizaci\xf3n gestiona las actualizaciones de estado, la reactivaci\xf3n, el seguimiento de condiciones y la entrega al prestamista, para que su equipo pueda hacer m\xe1s sin crecer.","mktg.benefitYourDataTitle":"Sus datos, su infraestructura","mktg.benefitYourDataDesc":"Los documentos se almacenan en su NAS o en la nube de su elecci\xf3n mediante MinIO. Nunca retenemos los datos de sus prestatarios como reh\xe9n: exp\xf3rtelos cuando quiera.","mktg.benefitsCtaTitle":"\xbfListo para hacer crecer su flujo de trabajo?","mktg.benefitsCtaSubtitle":"\xdanase a los corredores de alto rendimiento que conf\xedan en Unified Loan System para cerrar m\xe1s r\xe1pido con menos esfuerzo.","mktg.pricingHeroTitleLine1":"Precios sencillos.","mktg.pricingHeroTitleLine2":"Sin sorpresas.","mktg.pricingHeroSubtitle":"Comience gratis. Mejore cuando lo necesite. Cada plan incluye el motor de IA completo, sin restricciones de funciones en la suscripci\xf3n principal.","mktg.pricingHeroFinePrint":"Prueba gratuita de 14 d\xedas en plane

1s pagos \xb7 Cancele cuando quiera \xb7 No se requiere tarjeta de cr\xe9dito para empezar","mktg.priceFree":"Gratis","mktg.priceCustom":"Personalizado","mktg.tierStarterName":"Inicial","mktg.tierStarterSub":"No se requiere tarjeta de cr\xe9dito","mktg.tierStarterDesc":"Para corredores que reci\xe9n comienzan. Acceso completo a la plataforma, sin ning\xfan compromiso.","mktg.tierStarterCta":"Comenzar gratis","mktg.tierStarterFeature1":"1 flujo de trabajo de pr\xe9stamo activo","mktg.tierStarterFeature2":"Asistente de suscripci\xf3n con IA (5 consultas/mes)","mktg.tierStarterFeature3":"Portal del prestatario (1 usuario)","mktg.tierStarterFeature4":"Carga est\xe1ndar de documentos","mktg.tierStarterFeature5":"Soporte por correo electr\xf3nico","mktg.tierStarterMissing1":"Flujos de trabajo masivos","mktg.tierStarterMissing2":"Asientos de equipo","mktg.tierStarterMissing3":"Acceso a API","mktg.tierStarterMissing4":"Incorporaci\xf3n prioritaria","mktg.tierBrokerName":"Corredor","mktg.tierBrokerSub":"por mes, facturado mensualmente","mktg.tierBrokerDesc":"La plataforma completa para corredores individuales y peque\xf1as oficinas que cierran 5 a 20 pr\xe9stamos al mes.","mktg.tierBrokerCta":"Comenzar prueba de 14 d\xedas","mktg.tierBrokerBadge":"M\xe1s popular","mktg.tierBrokerFeature1":"Flujos de trabajo activos ilimitados","mktg.tierBrokerFeature2":"Suscripci\xf3n con IA (ilimitada)","mktg.tierBrokerFeature3":"Verificaci\xf3n neuronal de documentos con OCR","mktg.tierBrokerFeature4":"Portal del prestatario (prestatarios ilimitados)","mktg.tierBrokerFeature5":"CRM + campa\xf1as de correo con IA","mktg.tierBrokerFeature6":"Motor de cumplimiento (ATR, HMDA, regulaciones estatales)","mktg.tierBrokerFeature7":"Exportaci\xf3n MISMO 3.4","mktg.tierBrokerFeature8":"Resultados AUS (DU/LP)","mktg.tierBrokerFeature9":"Firma electr\xf3nica (interna, sin tarifa por sobre)","mktg.tierBrokerFeature10":"Soporte prioritario por correo + chat","mktg.tierBrokerMissing1":"Asientos de equipo","mktg.tierBrokerMissing2":"Personalizaci\xf3n de marca blanca","mktg.tierBrokerMissing3":"Acceso a API","mktg.tierTeamName":"Equipo","mktg.tierTeamSub":"por mes, hasta 5 asientos","mktg.tierTeamDesc":"Para corredur\xeda en crecimiento con varios oficiales de pr\xe9stamo. Flujo de trabajo compartido, reportes unificados.","mktg.tierTeamCta":"Comenzar prueba de 14 d\xedas","mktg.tierTeamFeature1":"Todo lo del plan Corredor","mktg.tierTeamFeature2":"Hasta 5 asientos de LO ($49/asiento adicional)","mktg.tierTeamFeature3":"Panel de flujo de trabajo compartido","mktg.tierTeamFeature4":"Portal del prestatario de marca blanca","mktg.tierTeamFeature5":"Reportes de desempe\xf1o del equipo","mktg.tierTeamFeature6":"Integraci\xf3n con Webhook + Zapier","mktg.tierTeamFeature7":"Llamada de incorporaci\xf3n dedicada","mktg.tierTeamFeature8":"Soporte telef\xf3nico + prioritario","mktg.tierTeamMissing1":"SLA de API personalizado","mktg.tierTeamMissing2":"Gerente de \xe9xito del cliente dedicado","mktg.tierEnterpriseName":"Empresarial","mktg.tierEnterpriseSub":"precios por volumen disponibles","mktg.tierEnterpriseDesc":"Para grandes corredur\xedas, agregadores y socios tecnol\xf3gicos. Construyamos algo juntos.","mktg.tierEnterpriseCta":"Hablar con ventas","mktg.tierEnterpriseFeature1":"Todo lo del plan Equipo","mktg.tierEnterpriseFeature2":"Asientos ilimitados","mktg.tierEnterpriseFeature3":"SLA de API personalizado + acceso a datos sin procesar","mktg.tierEnterpriseFeature4":"Gerente de \xe9xito del cliente dedicado","mktg.tierEnterpriseFeature5":"Integraciones personalizadas (Encompass, LendingPad)","mktg.tierEnterpriseFeature6":"SSO / SAML","mktg.tierEnterpriseFeature7":"Exportaci\xf3n del registro de auditor\xeda","mktg.tierEnterpriseFeature8":"NDA + DPA personalizado","mktg.tierEnterpriseFeature9":"Garant\xeda de tiempo de actividad SLA (99.9%)","mktg.addOnsTitle":"Costos de proveedores trasladados","mktg.addOnsBodyPart1":"Los costos de terceros (consultas de cr\xe9dito ~$15–35/tri-merge, reportes de ingresos bancarios de Plaid, tarifas de registro) se facturan al costo real con","mktg.addOnsZeroMarkup":"sin recargo","mktg.addOnsBodyPart2":". Aparecen como partidas separadas en su factura mensual para que siempre sepa exactamente lo que pag\xf3.","mktg.faqTitlePrefix":"Preguntas","mktg.faqTitleHighlight":"frecuentes","mktg.faqLoanPullQ":'\xbfQu\xe9 cuenta como una "consulta de pr\xe9stamo" en el plan Inicial?',"mktg.faqLoanPullA":"Una consulta es cada vez que el motor de IA de Unified Loan System analiza un 1003 completo + conjunto de documentos frente a las pautas de suscripci\xf3n. Subir documentos por s\xed solo no cuenta.","mktg.faqTrialCardQ":"\xbfLa prueba gratuita requiere tarjeta de cr\xe9dito?","mktg.faqTrialCardA":"No. Puede iniciar una prueba de 14 d\xedas de Corredor o Equipo solo con su correo electr\xf3nico y su n\xfamero NMLS. Solo se requiere tarjeta si decide continuar.","mktg.faqSwitchPlansQ":"\xbfPuedo cambiar de plan a mitad de ciclo?","mktg.faqSwitchPlansA":"S\xed. Las mejoras surten efecto de inmediato y se prorratean. Las rebajas surten efecto al inicio de su pr\xf3ximo ciclo de facturaci\xf3n.","mktg.faqEsignPricingQ":"\xbfC\xf3mo funciona el precio de la firma electr\xf3nica?","mktg.faqEsignPricingA":"Todos los planes pagos incluyen sobres de firma electr\xf3nica interna ilimitados sin tarifa por sobre. Usamos nuestra propia infraestructura de firma compatible con PAdES, sin re

1cargo de DocuSign.","mktg.faqPassThroughQ":"\xbfEst\xe1n incluidos los costos trasladados medidos?","mktg.faqPassThroughA":"Las consultas de cr\xe9dito, los reportes de ingresos bancarios de Plaid y otros costos de proveedores externos se facturan al costo sin recargo. Ver\xe1 cargos detallados en su factura.","mktg.faqFirstLoanQ":"\xbfQu\xe9 pasa cuando cierro mi primer pr\xe9stamo real?","mktg.faqFirstLoanA":"Nada cambia autom\xe1ticamente. Permanece en su plan. Cuando est\xe9 listo para escalar, nuestro equipo est\xe1 aqu\xed para ayudarlo a optimizar.","mktg.pricingCtaTitlePrefix":"\xbfListo para","mktg.pricingCtaTitleHighlight":"comenzar?","mktg.pricingCtaSubtitle":"\xdanase a los corredores que ya cierran m\xe1s r\xe1pido en Unified Loan System. Sin permanencia, sin tarifa de configuraci\xf3n.","mktg.ctaStartFreeTrial":"Comenzar prueba gratuita","mktg.ctaViewPricing":"Ver precios","mktg.ctaSeePricing":"Ver precios","mktg.ctaGetStartedNow":"Comenzar ahora","mktg.ctaCreateFreeAccount":"Crear cuenta gratuita","mktg.ctaTalkToSales":"Hablar con ventas","about.heroEyebrow":"Acerca de Unified Loan System","about.heroTitleLine1":"Potenciando a los corredores con","about.heroTitleLine2":"Automatizaci\xf3n inteligente","about.heroSubtitle":"En Unified Loan System, creemos que el futuro de los pr\xe9stamos pertenece a quienes act\xfaan con rapidez. Estamos construyendo la infraestructura para asegurarnos de que ese seas t\xfa.","about.statActiveBrokers":"Corredores activos","about.statLoansOriginated":"Pr\xe9stamos originados","about.statPlatformUptime":"Tiempo de actividad de la plataforma","about.statFasterThanManual":"M\xe1s r\xe1pido que el proceso manual","about.missionEyebrow":"Misi\xf3n","about.missionTitleLead":"Eliminando la","about.missionTitleAccent":"fricci\xf3n de los pr\xe9stamos","about.missionPara1":"La industria hipotecaria se ha quedado anclada en el pasado, sepultada en papeleo, revisiones manuales y decisiones de evaluaci\xf3n poco transparentes. Vimos una mejor manera.","about.missionPara2":"Al usar IA para encargarse del trabajo pesado del an\xe1lisis de documentos y la generaci\xf3n de condiciones, liberamos a los corredores para que hagan lo que mejor saben hacer: construir relaciones y cerrar tratos.","about.value1Title":"Transparencia ante todo","about.value1Desc":"Sin rechazos de caja negra. Cada hallazgo de la IA se presenta con una explicaci\xf3n para que entiendas exactamente lo que ve el evaluador.","about.value2Title":"La velocidad como norma","about.value2Desc":"Decisiones en minutos, no en d\xedas. Financiamiento en d\xedas, no en semanas. Medimos nuestro \xe9xito por el tiempo que ahorramos a cada corredor al que servimos.","about.value3Title":"El corredor primero","about.value3Desc":"Solo ganamos cuando t\xfa cierras pr\xe9stamos. Cada decisi\xf3n de producto comienza con la pregunta: \xbfesto le facilita a un corredor cerrar un pr\xe9stamo?","about.teamEyebrow":"El equipo","about.teamTitleLead":"Creado por","about.teamTitleAccent":"expertos","about.teamSubtitle":"Ingenieros, cient\xedficos de datos y veteranos del sector hipotecario trabajando juntos para lanzar la mejor plataforma de originaci\xf3n del mercado.","about.pillarEngineeringTitle":"Ingenier\xeda","about.pillarEngineeringDesc":"Ingenieros de sistemas con experiencia en fintech y sistemas distribuidos. Dise\xf1amos pensando en la escalabilidad y el cumplimiento desde el primer d\xeda.","about.pillarMortgageTitle":"Hipotecas","about.pillarMortgageDesc":"M\xe1s de 20 a\xf1os de experiencia combinada en evaluaci\xf3n y originaci\xf3n. Conocemos las directrices, las condiciones y los puntos cr\xedticos.","about.pillarProductTitle":"Producto","about.pillarProductDesc":"Obsesionados con el flujo de trabajo m\xe1s fluido posible. Creamos prototipos, probamos y lanzamos m\xe1s r\xe1pido que cualquier empresa de tecnolog\xeda hipotecaria del mercado.","about.ctaTitleLead":"\xdanete a la","about.ctaTitleAccent":"revoluci\xf3n","about.ctaSubtitle":"Deja de procesar pr\xe9stamos por las malas. Vive la diferencia de Unified Loan System hoy mismo.","about.ctaBecomePartner":"Convi\xe9rtete en socio","about.ctaViewPricing":"Ver precios","about.contactHeroEyebrow":"Cont\xe1ctanos","about.contactHeroTitleLead":"Estamos aqu\xed para","about.contactHeroTitleAccent":"ayudarte a cerrar.","about.contactHeroSubtitle":"Ya sea que necesites soporte del producto, quieras hablar sobre precios empresariales o tengas una pregunta de cumplimiento, comun\xedcate directamente con el equipo adecuado.","about.contactSalesTitle":"Ventas","about.contactSalesDesc":"Preguntas sobre precios, acuerdos por volumen, contratos empresariales e integraciones con prestamistas.","about.contactSalesAction":"Env

1iar correo a Ventas","about.contactSupportTitle":"Soporte para corredores","about.contactSupportDesc":"Ayuda con la plataforma, preguntas sobre el flujo de trabajo y soluci\xf3n de problemas de verificaci\xf3n de documentos.","about.contactSupportAction":"Abrir chat de soporte","about.contactPartnershipTitle":"Alianzas y cumplimiento","about.contactPartnershipDesc":"Incorporaci\xf3n de proveedores, ejecuci\xf3n de DPA/MSA, tr\xe1mites de CASA y consultas sobre la API de prestamistas.","about.contactPartnershipAction":"Enviar correo a Alianzas","about.contactPressTitle":"Medios y prensa","about.contactPressDesc":"Kit de prensa, solicitudes de entrevistas y consultas editoriales sobre Unified Loan System o el \xe1mbito de la IA hipotecaria.","about.contactPressAction":"Enviar correo a Prensa","about.officeLocation":"San Luis Obispo, CA \xb7 Con licencia en California (DBO)","about.officeLegalNote":"Unified Loan System es un nombre comercial de California Mortgage Solutions, una S-Corp de California. Todos los contratos con proveedores se ejecutan bajo la entidad legal.","about.contactCtaTitle":"\xbfNo sabes por d\xf3nde empezar?","about.contactCtaSubtitle":"Crea una cuenta gratuita y explora la plataforma. Sin compromiso.","about.contactCtaButton":"Comenzar gratis","about.setupErrMissingTokenTitle":"Falta el token de invitaci\xf3n","about.setupErrMissingTokenMsg":"Al enlace que usaste le falta el token requerido. P\xeddele a tu corredor que reenv\xede la invitaci\xf3n.","about.setupErrInvalidTitle":"Invitaci\xf3n no v\xe1lida","about.setupErrMismatchTitle":"La invitaci\xf3n no coincide","about.setupErrMismatchMsg":"Este enlace de invitaci\xf3n no coincide con el correo electr\xf3nico para el que se emiti\xf3. Usa exactamente el enlace de tu correo electr\xf3nico.","about.setupHeading":"Establece tu contrase\xf1a","about.setupWelcomeLead":"Te damos la bienvenida a Unified Loan System. Est\xe1s configurando tu cuenta para","about.setupErrFooter":"Si crees que esto es un error, comun\xedcate con tu corredor para obtener una nueva invitaci\xf3n.","about.setupValTooShort":"La contrase\xf1a debe tener al menos {min} caracteres.","about.setupValComplexity":"La contrase\xf1a debe incluir may\xfasculas, min\xfasculas y un n\xfamero.","about.setupValMismatch":"Las contrase\xf1as no coinciden.","about.setupErrFallback":"La configuraci\xf3n fall\xf3. Int\xe9ntalo de nuevo o p\xeddele a tu corredor una nueva invitaci\xf3n.","about.setupNetworkError":"Error de red. Int\xe9ntalo de nuevo.","about.setupNewPasswordLabel":"Nueva contrase\xf1a","about.setupPasswordHint":"Al menos {min} caracteres con may\xfasculas, min\xfasculas y un n\xfamero.","about.setupConfirmPasswordLabel":"Confirmar contrase\xf1a","about.setupSubmitting":"Guardando…","about.setupSubmit":"Establecer contrase\xf1a y continuar","home.statActiveBrokers":"Corredores activos","home.statLoansProcessed":"Pr\xe9stamos procesados","home.statPlatformUptime":"Tiempo de actividad de la plataforma","home.statBrokerRating":"Calificaci\xf3n de corredores","home.featureAiUnderwritingTitle":"Suscripci\xf3n con IA","home.featureAiUnderwritingDesc":"Aprobaciones previas instant\xe1neas impulsadas por aprendizaje autom\xe1tico. Nuestra IA analiza los datos del prestatario en segundos y muestra condiciones claras.","home.featureDocVerificationTitle":"Verificaci\xf3n de documentos","home.featureDocVerificationDesc":"El OCR neural lee recibos de pago, formularios W-2, estados de cuenta bancarios y declaraciones de impuestos. Valida autom\xe1ticamente los datos con el 1003.","home.featurePipelineMgmtTitle":"Gesti\xf3n de pipeline","home.featurePipelineMgmtDesc":"Haga seguimiento de cada pr\xe9stamo desde la solicitud hasta el cierre. Tableros Kanban, actualizaciones de estado autom\xe1ticas y notificaciones en tiempo real.","home.featureCrmCampaignsTitle":"CRM y campa\xf1as","home.featureCrmCampaignsDesc":"Gesti\xf3n de contactos integrada con campa\xf1as de correo electr\xf3nico impulsadas por IA. Segmente prestatarios y env\xede comunicaciones personalizadas a gran escala.","home.featureComplianceEngineTitle":"Motor de cumplimiento","home.featureComplianceEngineDesc":"Verificaciones regulatorias automatizadas, exportaciones de datos MISMO y registros de auditor\xeda. Mantenga el cumplimiento sin la carga manual.","home.featureBorrowerPortalTitle":"Portal del prestatario","home.featureBorrowerPortalDesc":"Portal de marca blanca donde los prestatarios completan su 1003, cargan documentos y siguen el estado del pr\xe9stamo en tiempo real.","home.step1Title":"Config\xfarese en minutos","home.step1Desc":"Cree su cuenta de corredor, conecte su NMLS y configure su pipeline en menos de 10 minutos.","home.step2Title":"Cargue y verifique","home.step2Desc":"Los prestatarios env\xedan su 1003 y sus documentos. Nuestra IA lo verifica todo al instante, sin revisi\xf3n manual.","home.step3Title":"Cierre y financie","home.step3Desc":"Seguimiento automatizado de condiciones, traspaso al prestamista y co

1ordinaci\xf3n del cierre. Sus pr\xe9stamos cierran m\xe1s r\xe1pido.","home.testimonial1Role":"Oficial de Pr\xe9stamos S\xe9nior, Pacific Lending","home.testimonial1Text":"Unified Loan System redujo nuestro tiempo de procesamiento en un 60%. La IA detecta discrepancias que antes nos tomaba horas encontrar manualmente.","home.testimonial2Role":"Propietario de corredur\xeda, Summit Mortgage Group","home.testimonial2Text":"El portal del prestatario por s\xed solo vali\xf3 el cambio. A mis clientes les encanta poder seguir el estado de su pr\xe9stamo en tiempo real.","home.testimonial3Role":"Director General, Coastline Financial","home.testimonial3Text":"Hemos duplicado nuestro volumen mensual desde que comenzamos. El sistema de campa\xf1as con IA genera m\xe1s prospectos calificados que nuestro antiguo CRM.","home.aiCapabilityOcr":"Extracci\xf3n de documentos con OCR neural con 99.7% de precisi\xf3n","home.aiCapabilityVerification":"Verificaci\xf3n automatizada de ingresos, activos y pasivos","home.aiCapabilityDiscrepancy":"Detecci\xf3n de discrepancias en tiempo real en los campos del 1003","home.aiCapabilityMismo":"Exportaci\xf3n de datos conforme a MISMO 3.4","home.aiCapabilityConditioning":"Condicionamiento predictivo y liberaci\xf3n automatizada de STIP","home.aiCapabilityCampaigns":"Campa\xf1as de correo electr\xf3nico con IA y contenido personalizado","home.heroBadge":"La confianza de m\xe1s de 500 corredores de alto rendimiento","home.heroTitleLine1":"El futuro de los pr\xe9stamos","home.heroTitleLine2":"es impulsado por IA","home.heroSubtitle":"Unified Loan System potencia a los corredores con suscripci\xf3n instant\xe1nea por IA, verificaci\xf3n neural de documentos y gesti\xf3n de pipeline en tiempo real. Cierre pr\xe9stamos m\xe1s r\xe1pido y haga crecer su negocio.","home.ctaStartFreeTrial":"Comenzar prueba gratis","home.ctaViewPricing":"Ver precios","home.alreadyPartner":"\xbfYa es socio?","home.logInToPortal":"Inicie sesi\xf3n en el portal","home.badgeNmlsLicensed":"Con licencia NMLS","home.badgeSoc2Certified":"Certificado SOC 2","home.badge256Encryption":"Cifrado de 256 bits","home.badgeCcpaCompliant":"Conforme con CCPA","home.featuresEyebrow":"Funciones de la plataforma","home.featuresHeadingLead":"Todo lo que necesita para","home.featuresHeadingAccent":"cerrar m\xe1s pr\xe9stamos","home.featuresSubtitle":"Una plataforma completa de originaci\xf3n de hipotecas creada por corredores, para corredores. Cada herramienta, cada automatizaci\xf3n, un solo panel.","home.howItWorksEyebrow":"Proceso sencillo","home.howItWorksHeadingLead":"Comience en","home.howItWorksHeadingAccent":"tres pasos","home.howItWorksSubtitle":"Desde el registro hasta su primer pr\xe9stamo cerrado: es m\xe1s r\xe1pido de lo que cree.","home.testimonialsEyebrow":"Historias de corredores","home.testimonialsHeadingLead":"La confianza de","home.testimonialsHeadingAccent":"los mejores del sector","home.demoDocScanLabel":"Escaneo de documentos completo:","home.demoDocScanValue":"W-2, recibo de pago, estado de cuenta bancario","home.demoIncomeLabel":"Ingresos verificados:","home.demoIncomeValue":"{amount}/mes bruto","home.demoDtiLabel":"Relaci\xf3n DTI:","home.demoDtiValue":"{ratio} — Calificado","home.demoDepositLabel":"Dep\xf3sito grande marcado:","home.demoDepositValue":"{amount} — Se requiere LOE","home.demoMismoLabel":"Exportaci\xf3n MISMO 3.4:","home.demoMismoValue":"Listo","home.demoPreApprovalLabel":"Aprobaci\xf3n previa generada en","home.demoPreApprovalValue":"{seconds} segundos","home.aiShowcaseEyebrow":"Impulsado por IA","home.aiShowcaseHeadingLead":"Inteligencia que realmente","home.aiShowcaseHeadingAccent":"marca la diferencia","home.aiShowcaseSubtitle":"Nuestro motor de IA no es solo un chatbot: es un copiloto de suscripci\xf3n completo que lee, verifica y valida cada documento en su pipeline.","home.ctaSeeItInAction":"V\xe9alo en acci\xf3n","home.finalCtaHeadingLead":"\xbfListo para","home.finalCtaHeadingAccent":"transformar","home.finalCtaHeadingTrail":"su negocio?","home.finalCtaSubtitle":"\xdanase a cientos de corredores l\xedderes que ya usan Unified Loan System para cerrar m\xe1s pr\xe9stamos, m\xe1s r\xe1pido y con menos costos.","home.ctaCreateFreeAccount":"Crear cuenta gratis","home.finalCtaFinePrint":"No se requiere tarjeta de cr\xe9dito \xb7 Prueba gratis de 14 d\xedas \xb7 Cancele cuando quiera","bauth.redirecting":"Redirigiendo…","bauth.redirectingTo":"Te llevamos a la p\xe1gina de inicio de sesi\xf3n de {role}.","bauth.roleBroker":"corredor","bauth.roleBorrower":"prestatario","bauth.loading":"Cargando…","bauth.stepTitleWelcome":"Bienvenido","bauth.stepTitleName":"Tu nombre","bauth.stepTitleEmail":"Tu correo electr\xf3nico","bauth.stepTitlePassword":"Crea una contrase\xf1a","bauth.stepTitleSecurity":"Refuerzo de seguridad opcional","bauth.stepTitleReview":"Revisar y aceptar","bauth.errInvalidEmail":"Correo electr\xf3nico no v\xe1lido","bauth.errInvalidEmailUsage":"Uso de correo electr\xf3nico no v\xe1lido.","bauth.errPasswordsMismatch":"Las contrase\xf1as no coinciden.","bauth.errMustAgree":"Debes aceptar tanto los T\xe9rminos del Servicio como la Pol\xedtica de Privacidad.","bauth.errSignupFailed":"No pudimos completar el registro{detail}. 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Estamos obligados a realizar verificaciones de identidad y de sanciones en cada cuenta nueva antes de otorgar acceso a servicios financieros. La verificaci\xf3n es automatizada y se ejecuta sobre millones de nombres: se producen falsas coincidencias y las resolvemos r\xe1pidamente.","bauth.returnHome":"Volver a la p\xe1gina principal","bauth.inboxTitle":"Cuenta creada: un \xfaltimo clic","bauth.inboxSubtitlePre":"Enviamos un enlace de confirmaci\xf3n a","bauth.inboxSubtitlePost":". Un clic y est\xe1s dentro.","bauth.inboxTimelineHeader":"Esto es lo que sigue","bauth.inboxStep1Title":"Cuenta creada.","bauth.inboxStep2Title":"Abre el correo que acabamos de enviar","bauth.inboxStep2Body":'Haz clic en el bot\xf3n grande "Confirmar mi correo" que est\xe1 dentro. El enlace es v\xe1lido por 24 horas.',"bauth.inboxStep3Title":"Ya est\xe1s dentro.","bauth.inboxStep3Body":"Confirmar el correo te lleva directamente a tu panel, sin pedir la contrase\xf1a de nuevo.","bauth.inboxLookForHeader":"Qu\xe9 buscar","bauth.inboxFromLabel":"De","bauth.inboxSubjectLabel":"Asunto","bauth.inboxSubjectValue":"C

1onfirma tu cuenta de Unified Loan System","bauth.inboxNotSeenTitle":"\xbfNo lo ves despu\xe9s de un minuto?","bauth.inboxNotSeenBody":'Revisa spam o promociones. Gmail y proveedores similares suelen ocultar los primeros correos de remitentes nuevos; m\xe1rcanos como "No es spam" para que las futuras actualizaciones de tu pr\xe9stamo lleguen a tu bandeja principal.',"bauth.inboxWhyTitle":"Por qu\xe9 te pedimos esto","bauth.inboxWhyBodyPre":"Confirmar tu correo demuestra que eres una persona real (no un bot que se registra en masa) y que nadie cre\xf3 una cuenta usando tu direcci\xf3n por error. Es un","bauth.inboxWhyBodyBold":"paso \xfanico","bauth.inboxWhyBodyPost":"; no volveremos a pedirlo.","bauth.resendSending":"Enviando otro correo…","bauth.resendSent":"Enviado: revisa tu bandeja de entrada","bauth.resendIdle":"Reenviar el correo","bauth.confirmLater":"Confirmar\xe9 m\xe1s tarde: d\xe9jame iniciar sesi\xf3n","bauth.wrongEmail":"\xbfCorreo incorrecto? Volver","bauth.blockedTitle":"Registro bloqueado","bauth.blockedSubtitle":"Este enlace de invitaci\xf3n no es v\xe1lido o ha caducado. Necesitar\xe1s una referencia activa de un corredor para crear una cuenta.","bauth.stepCounter":"Paso {current} de {total}","bauth.alreadyHaveAccount":"\xbfYa tienes una cuenta?","bauth.signInInstead":"Inicia sesi\xf3n →","bauth.continue":"Continuar","bauth.continueOrSkip":"Continuar (u omitir)","bauth.createAccount":"Crear mi cuenta","bauth.orSkipForm":"O salta el formulario","bauth.googleHelper":"Reg\xedstrate con Google para saltarte los pasos siguientes: la misma cuenta, m\xe1s r\xe1pido.","bauth.welcomeIntroPre":"Vamos a configurar tu cuenta de prestatario en","bauth.welcomeIntroBold":"unos 90 segundos","bauth.welcomeIntroPost":". Cinco pantallas r\xe1pidas y listo.","bauth.welcomeWhyHeader":"\xbfPor qu\xe9 una cuenta?","bauth.welcomeBenefit1Label":"Guarda tu progreso","bauth.welcomeBenefit1Body":"Completa partes de tu solicitud de pr\xe9stamo y vuelve a terminar despu\xe9s, sin perder lo que escribiste.","bauth.welcomeBenefit2Label":"Sube documentos de forma segura","bauth.welcomeBenefit2Body":"Sube recibos de pago y estados de cuenta bancarios. Cifrados en tr\xe1nsito y en reposo.","bauth.welcomeBenefit3Label":"Sigue el avance de tu pr\xe9stamo en tiempo real","bauth.welcomeBenefit3Body":"Ve exactamente en qu\xe9 etapa est\xe1 tu pr\xe9stamo y qui\xe9n est\xe1 retrasando las cosas.","bauth.welcomeBenefit4Label":"L\xednea directa con tu corredor","bauth.welcomeBenefit4Body":"Env\xedale un mensaje desde 

1cualquier p\xe1gina del pr\xe9stamo. Recibe una notificaci\xf3n de inmediato.","bauth.welcomeFooter":"Nunca vendemos tus datos. Toda la informaci\xf3n se cifra en tr\xe1nsito y en reposo con AES de 256 bits.","bauth.nameWhyTitle":"Por qu\xe9 necesitamos tu nombre legal completo","bauth.nameWhyPre":"Este nombre aparece en cada documento del pr\xe9stamo: tu solicitud, tu consulta de cr\xe9dito, tu papeleo de cierre.","bauth.nameWhyBold":"Debe coincidir exactamente con tu identificaci\xf3n oficial","bauth.nameWhyPost":", incluido el segundo nombre si aparece en tu identificaci\xf3n. No uses un apodo.","bauth.firstNameLabel":"Nombre","bauth.firstNamePlaceholder":"John","bauth.middleNameLabel":"Segundo nombre (opcional)","bauth.middleNamePlaceholder":"Adam","bauth.lastNameLabel":"Apellido","bauth.lastNamePlaceholder":"Doe","bauth.emailWhyTitle":"Por qu\xe9 necesitamos tu correo electr\xf3nico","bauth.emailWhyPre":"Por dos razones. Primero, te enviamos un","bauth.emailWhyBold1":"enlace de verificaci\xf3n","bauth.emailWhyMid":" para confirmar que esta bandeja de entrada es tuya: as\xed sabemos que eres una persona real y no un bot. Segundo, lo usamos para ","bauth.emailWhyBold2":"actualizaciones importantes del pr\xe9stamo \xfanicamente","bauth.emailWhyPost":" (cambios de estado, solicitudes de documentos, emisi\xf3n de la divulgaci\xf3n de cierre). Nunca spam de marketing.","bauth.emailHint":"Usa uno que revises con frecuencia.","bauth.passwordWhyTitle":"Por qu\xe9 importa una contrase\xf1a segura","bauth.passwordWhyPre":"Tu cuenta contiene informaci\xf3n financiera sensible: ingresos, saldos de activos y, con el tiempo, tu SSN. Nosotros","bauth.passwordWhyBold1":"ciframos las contrase\xf1as con bcrypt","bauth.passwordWhyMid":" (un cifrado unidireccional: ni siquiera nosotros podemos leerlas), pero una contrase\xf1a d\xe9bil a\xfan puede ser adivinada por atacantes que usan herramientas automatizadas. Apunta a ","bauth.passwordWhyBold2":"12 caracteres o m\xe1s","bauth.passwordWhyPost":" con una mezcla de letras, n\xfameros y s\xedmbolos. O simplemente deja que generemos una segura por ti.","bauth.generatePassword":"Generar contrase\xf1a segura","bauth.copied":"Copiado","bauth.copyToClipboard":"Copiar al portapapeles","bauth.confirmPasswordLabel":"Confirmar contrase\xf1a","bauth.passwordsNoMatch":"Las contrase\xf1as a\xfan no coinciden.","bauth.savePasswordTitle":"Guarda esta contrase\xf1a en un lugar seguro.","bauth.savePasswordBodyPre":"Aplicamos un hash a tu contrase\xf1a antes de almacenarla (cifrado unidireccional), lo que significa que ni siquiera","bauth.savePasswordWe":"nosotros","bauth.savePasswordBodyMid":" podemos recuperarla por ti. Si la pierdes, tendr\xe1s que restablecerla por correo. Recomendamos encarecidamente un administrador de contrase\xf1as como","bauth.savePasswordComma":",","bauth.savePasswordBodyPost":", o el llavero integrado de tu navegador.","bauth.passwordSamplePlaceholder":"tu-contrase\xf1a","bauth.hidePassword":"Ocultar contrase\xf1a","bauth.showPassword":"Mostrar contrase\xf1a","bauth.pwStrengthTooShort":"Demasiado corta","bauth.pwStrengthWeak":"D\xe9bil: a\xf1ade longitud","bauth.pwStrengthOkay":"Aceptable: podr\xeda ser m\xe1s segura","bauth.pwStrengthGood":"Buena","bauth.pwStrengthExcellent":"Excelente","bauth.securityWhyTitle":"Qu\xe9 es esto y por qu\xe9 es opcional","bauth.securityWhyPre":"Una pregunta de seguridad es una","bauth.securityWhyBold1":"capa adicional","bauth.securityWhyMid":" sobre tu contrase\xf1a. Si alguien roba tu contrase\xf1a e intenta iniciar sesi\xf3n desde un dispositivo nuevo, te haremos una de estas preguntas para confirmar que realmente eres t\xfa. ","bauth.securityWhyBold2":"S\xe1ltalo si prefieres confiar solo en los c\xf3digos por correo","bauth.securityWhyPost":" que enviamos para inicios de sesi\xf3n desde dispositivos nuevos: eso ya es seguro para la mayor\xeda de las personas.","bauth.securityFooter":"Siempre puedes configurarlo m\xe1s tarde en Configuraci\xf3n → Seguridad.","bauth.reviewWhyTitle":"Una cosa m\xe1s antes de crear tu cuenta","bauth.reviewWhyBody":'Revisa la informaci\xf3n que ingresaste y acepta nuestros t\xe9rminos. Las dos casillas de la parte inferior son obligatorias; en pocas palabras: "manejaremos tus datos con cuidado y nunca los venderemos". Las actualizaciones por mensaje de texto son opcionales; elige las categor\xedas que quieras.',"bauth.phoneLabel":"N\xfamero de tel\xe9fono","bauth.phoneHint":"Para poder enviarte actualizaciones del pr\xe9stamo por mensaje de texto.","bauth.phonePlaceholder":"(415) 555-1234","bauth.reviewNameLabel":"Nombre","bauth.reviewMissing":"(falta)","bauth.reviewSecurityLabel":"Pregunta de seguridad","bauth.reviewSet":"Configurada","bauth.reviewSkipped":"Omitida","bauth.consentTermsPre":"Acepto los","bauth.consentTermsLink":"T\xe9rminos del Servicio de Unified Loan System","bauth.consentPrivacyPre":"Acepto la","bauth.consentPrivacyLink":"Pol\xedtica de Privacidad de Unified Loan System","bauth.consentPrivacyPost":", y consiento la recopilaci\xf3n, el procesamiento y el almacenamiento de mi informaci\xf3n con el fin de originar mi pr\xe9stamo hipotecario","bauth.edit":"Editar","bdash.portalActivityTitle":"Actividad del portal","bdash.inactiveCount":"{count} inactivos","bdash.noActiveBorrowers":"No hay prestatarios activos","bdash.activeNow":"Activo ahora","bdash.daysAgo":"hace {days} d","bdash.remind":"Recordar","bdash.satisfactionTitle":"Satisfacci\xf3n del prestatario","bdash.scoreExcellent":"Excelente","bdash.scoreGood":"Bueno","bdash.scoreFair":"Regular","bdash.scoreNeedsAttention":"Necesita atenci\xf3n","bdash.npsProxy":"Indicador NPS","bdash.noActiveLoansToMeasure":"No hay pr\xe9stamos activos para medir","bdash.statActive":"Activos","bdash.statOnTrack":"En curso","bdash.statClosed":"Cerrados","bdash.enableSurveys":"A\xfan no hay datos de encuestas -- Activar encuestas","bdash.surveysEnabled":"Encuestas activadas (marcador de posici\xf3n)","bdash.sentimentTitle":"Opini\xf3n del prestatario","bdash.sentimentHappy":"Satisfecho","bdash.sentimentNeutral":"Neutral","bdash.sentimentConcerned":"Preocupado","bdash.sentimentFrustrated":"Frustrado","bdash.atRisk":"{count} en riesgo","bdash.reasonNoUpdates":"Sin actualizaciones en {days} d\xedas","bdash.reasonStalledEarly":"Pr\xe9stamo estancado en etapa inicial","bdash.reasonInactive":"Inactivo durante {days} d\xedas","bdash.reasonConditionsPending":"Condiciones pendientes por resolver","bdash.reasonNearClosing":"Cerca del cierre","bdash.reasonStrongProgress":"Buen avance","bdash.reasonProgressingNormally":"Avanzando con normalidad","bdash.communicationTimelineTitle":"Cronolog\xeda de comunicaci\xf3n","bdash.recentCount":"{count} recientes","bdash.noRecentCommunication":"Sin comunicaci\xf3n reciente","bdash.timeJustNow":"Justo ahora","bdash.timeMinsAgo":"hace {mins} min","bdash.timeHoursAgo":"hace {hours} h","bdash.timeYesterday":"Ayer","bdash.timeDaysAgo":"hace {days} d","bdash.timeWeeksAgo":"hace {weeks} sem","bdash.touchpointStatus":"Pr\xe9stamo movido a {stage}","bdash.touchpointDocument":"Subi\xf3 {file}

1","bdash.touchpointWelcomeEmail":"Correo de bienvenida enviado","bdash.documentRequestsTitle":"Solicitudes de documentos","bdash.docW2":"W-2","bdash.docPayStubs":"Recibos de pago","bdash.docBankStatements":"Estados de cuenta bancarios","bdash.docTaxReturns":"Declaraciones de impuestos","bdash.docPhotoId":"Identificaci\xf3n con foto","bdash.docPurchaseAgreement":"Contrato de compraventa","bdash.docHoi":"HOI","bdash.missingCount":"{count} faltantes","bdash.allDocumentsReceived":"Todos los documentos recibidos","bdash.loanCountSingular":"{count} pr\xe9stamo","bdash.loanCountPlural":"{count} pr\xe9stamos","bdash.daysPendingShort":"{days} d","bdash.moreCount":"+{count} m\xe1s","bdash.quickMessageTitle":"Mensaje r\xe1pido","bdash.recipientLabel":"Destinatario","bdash.selectRecipientAria":"Seleccionar prestatario destinatario","bdash.selectBorrowerOption":"Seleccionar prestatario...","bdash.channelLabel":"Canal","bdash.channelEmail":"Correo electr\xf3nico","bdash.channelSms":"SMS","bdash.toPrefix":"Para: {contact}","bdash.noEmailOnFile":"No hay correo registrado","bdash.noPhoneOnFile":"No hay tel\xe9fono registrado","bdash.messageLabel":"Mensaje","bdash.emailPlaceholder":"Escriba su mensaje de correo...","bdash.smsPlaceholder":"Escriba su SMS (160 caracteres)...","bdash.sending":"Enviando...","bdash.sent":"\xa1Enviado!","bdash.sendEmail":"Enviar correo","bdash.sendSms":"Enviar SMS","bapply.addr.currentAddress":"Direcci\xf3n actual","bapply.addr.streetAddress":"Direcci\xf3n","bapply.addr.unit":"Unidad n.\xba","bapply.addr.city":"Ciudad","bapply.addr.state":"Estado","bapply.addr.zipCode":"C\xf3digo postal","bapply.addr.country":"Pa\xeds","bapply.addr.housingStatus":"Situaci\xf3n de vivienda","bapply.addr.housingOwn":"Propia","bapply.addr.housingRent":"Alquilada","bapply.addr.housingRentFree":"Sin pago de alquiler","bapply.addr.yearsAtAddress":"A\xf1os en la direcci\xf3n","bapply.addr.monthsAtAddress":"Meses en la direcci\xf3n","bapply.addr.monthlyRent":"Alquiler mensual ($)","bapply.gift.removeAria":"Eliminar regalo o subvenci\xf3n {index}","bapply.gift.type":"Tipo","bapply.gift.selectType":"Seleccione el tipo…","bapply.gift.typeCash":"Regalo en efectivo","bapply.gift.typeEquity":"Regalo de capital (equity)","bapply.gift.typeOther":"Otra subvenci\xf3n","bapply.gift.source":"Fuente","bapply.gift.selectSource":"Seleccione la fuente…","bapply.gift.sourceRelative":"Familiar","bapply.gift.sourceEmployer":"Empleador","bapply.gift.sourceAgency":"Agencia","bapply.gift.sourceOther":"Otra","bapply.gift.amount":"Monto","bapply.gift.emptyTitle":"A\xfan no se han agregado regalos ni subvenciones","bapply.gift.emptyDesc":"Agregue cualquier regalo en efectivo, regalo de capital o fondos de subvenci\xf3n que reciba para este pr\xe9stamo.","bapply.gift.addCta":"Agregar regalo/subvenci\xf3n","bapply.gift.addAnother":"Agregar otro regalo o subvenci\xf3n","bapply.nav.cancelEdit":"Cancelar edici\xf3n","bapply.nav.previousSection":"Secci\xf3n anterior","bapply.nav.startFreshTitle":"Borrar todos los campos rellenados con su \xfaltimo pr\xe9stamo","bapply.nav.startFresh":"Empezar de nuevo","bapply.nav.lastSaved":"\xdaltimo guardado: {time}","bapply.nav.saveChanges":"Guardar cambios","bapply.nav.finishExit":"Finalizar y salir","bapply.nav.nextSection":"Secci\xf3n siguiente","bapply.nav.submitApplication":"Enviar solicitud","bapply.nav.saveDraft":"Guardar borrador","bapply.sidebar.sections":"Secciones","bapply.topbar.title":"Solicitud de pr\xe9stamo","bapply.topbar.editTitle":"Editar solicitud de pr\xe9stamo","bapply.emp.applicationAdvisor":"Asesor de solicitud","bapply.emp.fixThis":"Corregir esto","bapply.emp.emptyTitle":"A\xfan no se ha agregado empleo","bapply.emp.emptyDesc":"Los prestamistas exigen al menos dos a\xf1os de historial laboral. Agregue primero su empleo actual y luego cualquier trabajo anterior si es necesario.","bapply.emp.addCta":"Agregar empleo","bapply.emp.removeAria":"Eliminar empleo {index}","bapply.emp.detailsHeading":"Detalles del empleo","bapply.emp.employerName":"Nombre del empleador","bapply.emp.employerPhone":"Tel\xe9fono del empleador (opcional)","bapply.emp.employerAddress":"Direcci\xf3n del empleador","bapply.emp.employerAddressHint":"(opcional \xb7 \xfatil para la VOE)","bapply.emp.street":"Calle","bapply.emp.city":"Ciudad","bapply.emp.state":"Estado","bapply.emp.zip":"C\xf3digo postal","bapply.emp.startDate":"Fecha de inicio","bapply.emp.endDate":"Fecha de finalizaci\xf3n","bapply.emp.endDatePlaceholder":"Deje en blanco si es el actual","bapply.emp.yearsInLineOfWork":"A\xf1os en este campo laboral","bapply.emp.yearsInLineOfWorkPlaceholder":"Total de a\xf1os de carrera","bapply.emp.yearsInLineOfWorkHint":"Total de a\xf1os en este campo profesional con todos los empleadores (no solo este trabajo).","bapply.emp.employmentType":"Tipo de empleo","bapply.emp.selfEmployed":"Trabajador aut\xf3nomo","bapply.emp.ownershipShare":"Participaci\xf3n de propiedad (%)","bapply.emp.positionTitle":"Cargo / T\xedtulo","bapply.emp.yearsOnJob":"A\xf1os en el trabajo","bapply.emp.monthsOnJob":"Meses en el trabajo","bapply.emp.employedByFamily":"\xbfEmpleado por un familiar?","bapply.emp.employedByParty":"\xbfEmpleado por una parte de la transacci\xf3n?","bapply.emp.monthlyIncomeDetails":"Detalles de ingresos mensuales","bapply.emp.baseSalary":"Salario base","bapply.emp.overtime":"Horas extra","bapply.emp.bonus":"Bonificaci\xf3n","bapply.emp.commission":"Comisi\xf3n","bapply.emp.military":"Militar","bapply.emp.otherIncome":"Otros","bapply.emp.totalMonthlyIncome":"Ingresos mensuales totales:","bapply.asset.toastReplaced":"Se reemplazaron sus entradas con sus cuentas bancarias.","bapply.asset.toastAddedOne":"Se agreg\xf3 1 cuenta de su banco.","bapply.asset.toastAddedMany":"Se agregaron {count} cuentas de su banco.","bapply.asset.verifyTitle":"Verifique sus activos","bapply.asset.verifyDesc":"Conecte su banco de forma segura para importar los saldos de sus cuentas autom\xe1ticamente. No se necesita entrada manual. Usamos cifrado de nivel bancario.","bapply.asset.toastReconnected":"Banco reconectado: los datos de su pr\xe9stamo est\xe1n actualizados de nuevo.","bapply.asset.bankConnected":"Banco conectado","bapply.asset.toastDisconnected":"Banco desconectado. Se eliminaron los datos financieros en cach\xe9.","bapply.asset.toastConnected":"Cuenta bancaria conectada: obteniendo sus cuentas…","bapply.asset.analysisTitle":"An\xe1lisis de activos","bapply.asset.fixThis":"Corregir esto","bapply.asset.detailsHeading":"Detalles del activo","bapply.asset.removeAria":"Eliminar activo {index}","bapply.asset.accountType":"Tipo de cuenta","bapply.asset.selectAccountType":"Seleccione el tipo de cuenta…","bapply.asset.typeChecking":"Cuenta corriente","bapply.asset.typeSavings":"Cuenta de ahorros","bapply.asset.typeMoneyMarket":"Mercado monetario","bapply.asset.typeMutualFund":"Fondo mutuo","bapply.asset.typeStocks":"Acciones","bapply.asset.typeRetirement":"Jubilaci\xf3n (401k, IRA)","bapply.asset.typeOther":"Otro","bapply.asset.financialInstitution":"Instituci\xf3n financiera","bapply.asset.accountLast4":"N.\xba de cuenta (\xfaltimos 4)","bapply.asset.cashMarketValue":"Valor en efe

1ctivo / de mercado","bapply.asset.emptyTitle":"A\xfan no hay activos en la lista","bapply.asset.emptyDesc":"Agregue cuentas bancarias, de jubilaci\xf3n u otros activos financieros para respaldar su solicitud.","bapply.asset.addCta":"Agregar activo","bapply.asset.totalAssets":"Activos totales:","bapply.liab.debtAnalysis":"An\xe1lisis de deudas","bapply.liab.fixThis":"Corregir esto","bapply.liab.removeAria":"Eliminar pasivo {index}","bapply.liab.detailsHeading":"Detalles del pasivo","bapply.liab.type":"Tipo","bapply.liab.selectType":"Seleccione el tipo de pasivo…","bapply.liab.typeRevolving":"Rotativo (tarjetas de cr\xe9dito)","bapply.liab.typeInstallment":"A plazos (pr\xe9stamos)","bapply.liab.typeLease":"Arrendamiento","bapply.liab.typeOther":"Otro","bapply.liab.creditorName":"Nombre del acreedor","bapply.liab.accountNumber":"N.\xba de cuenta","bapply.liab.unpaidBalance":"Saldo total no pagado","bapply.liab.monthsLeft":"Meses restantes (opc.)","bapply.liab.monthlyPayment":"Pago m\xednimo mensual","bapply.liab.paidOffAtClosing":"Se pagar\xe1 en el cierre","bapply.liab.resubordinated":"Resubordinado (el prestamista le informar\xe1)","bapply.liab.excludedFromDti":"Excluido del c\xe1lculo de DTI","bapply.liab.emptyTitle":"A\xfan no hay pasivos en la lista","bapply.liab.emptyDesc":"Enumere sus tarjetas de cr\xe9dito, pr\xe9stamos y arrendamientos. Si extrae su cr\xe9dito a continuaci\xf3n, estos se completar\xe1n autom\xe1ticamente.","bapply.liab.addCta":"Agregar pasivo","bapply.liab.totalBalance":"Saldo total:","bapply.liab.totalMonthlyPayments":"Pagos mensuales totales:","bapply.re.analysisTitle":"An\xe1lisis de bienes ra\xedces","bapply.re.fixThis":"Corregir esto","bapply.re.removePropertyAria":"Eliminar propiedad {index}","bapply.re.detailsHeading":"Detalles de la propiedad","bapply.re.streetAddress":"Direcci\xf3n","bapply.re.city":"Ciudad","bapply.re.state":"Estado","bapply.re.zipCode":"C\xf3digo postal","bapply.re.propertyValue":"Valor de la propiedad","bapply.re.status":"Estado","bapply.re.statusRetained":"Conservada","bapply.re.statusSold":"Vendida","bapply.re.statusPending":"Pendiente","bapply.re.intendedOccupancy":"Ocupaci\xf3n prevista","bapply.re.occPrimary":"Principal","bapply.re.occInvestment":"Inversi\xf3n","bapply.re.occSecondHome":"Segunda vivienda","bapply.re.monthlyInsuranceTaxesHoa":"Seguro, impuestos y HOA mensuales","bapply.re.monthlyRentalIncome":"Ingresos mensuales por alquiler","bapply.re.mortgageLoansHeading":"Pr\xe9stamos hipotecarios sobre esta propiedad","bapply.re.addMortgage":"Agregar hipoteca","bapply.re.creditorName":"Nombre del acreedor","bapply.re.accountNumber":"N.\xba de cuenta","bapply.re.balance":"Saldo","bapply.re.payment":"Pago","bapply.re.loanTypeAria":"Tipo de pr\xe9stamo para la hipoteca {mortgage} de la propiedad {property}","bapply.re.typePlaceholder":"Tipo…","bapply.re.typeConventional":"Conv.","bapply.re.typeOther":"Otro","bapply.re.removeMortgageAria":"Eliminar hipoteca {mortgage} de la propiedad {property}","bapply.re.noMortgages":"No hay hipotecas en la lista.","bapply.re.emptyTitle":"A\xfan no hay propiedades en la lista","bapply.re.emptyDesc":"Si posee alguna propiedad, agr\xe9guela aqu\xed. Est\xe1 bien omitir esta secci\xf3n si no posee bienes ra\xedces.","bapply.re.addCta":"Agregar propiedad","bapply.re.addAnother":"Agregar otra propiedad","bapply.guest.step1Title":"Cu\xe9ntenos sobre usted","bapply.guest.step2Title":"Qu\xe9 va a financiar","bapply.guest.step3Title":"Los n\xfameros (una estimaci\xf3n est\xe1 bien)","bapply.guest.step4Title":"Su plazo y c\xf3mo contactarlo","bapply.guest.step5Title":"Su informaci\xf3n de contacto","bapply.guest.couldNotSave":"No se pudo guardar ({status}

1).","bapply.guest.networkError":"Error de red","bapply.guest.backToLanding":"Volver al inicio","bapply.guest.preApplicationPill":"Presolicitud \xb7 Sin SSN, sin consulta de cr\xe9dito","bapply.guest.stepCounter":"Paso {current} de {total} \xb7 Esto se traslada directamente a su solicitud completa: no tendr\xe1 que volver a ingresar nada.","bapply.guest.continueOrSkip":"Continuar (u omitir)","bapply.guest.continue":"Continuar","bapply.guest.continueToAccount":"Continuar a la configuraci\xf3n de la cuenta","bapply.guest.encryptedFooter":"Cifrado en una cookie firmada de corta duraci\xf3n. No se escribe nada en nuestra base de datos hasta que cree su cuenta.","bapply.guest.yes":"S\xed","bapply.guest.no":"No","bapply.guest.s1WhyTitle":"Tres preguntas r\xe1pidas de s\xed o no","bapply.guest.s1WhyBodyA":"Las hacemos para poder ","bapply.guest.s1WhyBodyStrong":"mostrarle solo los programas de pr\xe9stamos para los que realmente califica","bapply.guest.s1WhyBodyB":". Programas para compradores primerizos, pr\xe9stamos VA para veteranos, convencional vs. jumbo: diferentes caminos seg\xfan su situaci\xf3n. Omita cualquiera de ellas; nada de esto es vinculante.","bapply.guest.s1ApplyingWithAnyone":"\xbfEst\xe1 solicitando con alguien m\xe1s?","bapply.guest.s1JustMe":"Solo yo","bapply.guest.s1Spouse":"C\xf3nyuge","bapply.guest.s1Partner":"Pareja","bapply.guest.s1FamilyFriend":"Familiar / amigo","bapply.guest.s1BoughtBefore":"\xbfHa comprado una casa antes?","bapply.guest.s1BoughtBeforeYes":"S\xed, he comprado antes","bapply.guest.s1BoughtBeforeNo":"No, esta ser\xeda mi primera vez","bapply.guest.s1Veteran":"\xbfHa servido en el ej\xe9rcito o es veterano?","bapply.guest.s1VeteranHint":"Desbloquea la elegibilidad para pr\xe9stamos VA: por lo general, 0% de enganche + sin PMI.","bapply.guest.s2WhyTitle":"\xbfD\xf3nde y qu\xe9 tipo de propiedad?","bapply.guest.s2WhyBody":"La ubicaci\xf3n de la propiedad determina las divulgaciones a nivel estatal y las estimaciones de impuestos. El tipo de propiedad cambia la elegibilidad del prestamista; por ejemplo, los condominios pasan por una revisi\xf3n del proyecto, las casas prefabricadas requieren certificaciones de cimientos y las propiedades multifamiliares tienen reglas de DTI diferentes.","bapply.guest.s2LoanPurpose":"\xbfQu\xe9 va a hacer con este pr\xe9stamo?","bapply.guest.s2PurposeBuying":"Comprar una casa","bapply.guest.s2PurposeRefiRate":"Refinanciar: mejor tasa","bapply.guest.s2PurposeRefiCash":"Refinanciar: retirar efectivo","bapply.guest.s2Occupancy":"\xbfC\xf3mo usar\xe1 la propiedad?","bapply.guest.s2OccPrimary":"Residencia principal","bapply.guest.s2OccSecond":"Segunda vivienda","bapply.guest.s2OccInvestment":"Inversi\xf3n","bapply.guest.s2PropertyType":"Tipo de propiedad","bapply.guest.s2TypeSingleFamily":"Unifamiliar","bapply.guest.s2TypeCondo":"Condominio","bapply.guest.s2TypeMultiUnit":"2-4 unidades","bapply.guest.s2TypeManufactured":"Prefabricada","bapply.guest.s2StreetAddress":"Direcci\xf3n de la propiedad","bapply.guest.s2StreetPlaceholder":"123 Main St","bapply.guest.s2City":"Ciudad","bapply.guest.s2State":"Estado","bapply.guest.s2StateHint":"2 letras","bapply.guest.s2Zip":"C\xf3digo postal","bapply.guest.s3WhyTitle":"Una cotizaci\xf3n aproximada: los n\xfameros exactos vienen despu\xe9s","bapply.guest.s3WhyBodyA":"Los usamos para","bapply.guest.s3WhyBodyStrong":"mostrarle tasas de inter\xe9s realistas y una estimaci\xf3n del pago mensual","bapply.guest.s3WhyBodyB":"en la p\xe1gina siguiente. No se preocupe si se equivoca por unos miles: lo refinaremos todo cuando complete la solicitud completa.","bapply.guest.s3PropertyValue":"Valor estimado de la propiedad ($)","bapply.guest.s3PropertyValueHint":"Lo que cree que vale.","bapply.guest.s3LoanAmount":"Monto estimado del pr\xe9stamo ($)","bapply.guest.s3LoanAmountHint":"Lo que pedir\xeda prestado.","bapply.guest.s3ImpliedLtv":"LTV impl\xedcito","bapply.guest.s3ImpliedDownPayment":"Enganche impl\xedcito","bapply.guest.s3DownPaymentSource":"\xbfDe d\xf3nde proviene el enganche?","bapply.guest.s3DownPaymentSourceHint":"Opcional: solo nos ayuda a dirigirlo a los productos de pr\xe9stamo adecuados.","bapply.guest.s3DpSavings":"Ahorros","bapply.guest.s3DpGift":"Regalo","bapply.guest.s3DpSaleOfHome":"Venta de una casa","bapply.guest.s3DpRetirement":"401(k) / IRA","bapply.guest.s3DpOther":"Otro","bapply.guest.s4WhyTitle":"Para que su corredor pueda planificar en torno a usted","bapply.guest.s4WhyBodyA":"Su plazo nos indica con qu\xe9 intensidad impulsar el expediente.","bapply.guest.s4WhyShopping":"\xbfSolo est\xe1 explorando?","bapply.guest.s4WhyBodyB":"Le enviaremos alertas de tasas y no lo molestaremos.","bapply.guest.s4WhyAsap":"\xbfLo antes posible?","bapply.guest.s4WhyBodyC":"Su expediente recibe prioridad y trabajaremos de noc

1he para cumplir con su fecha de cierre.","bapply.guest.s4ClosingTimeline":"\xbfCu\xe1ndo espera cerrar?","bapply.guest.s4Days3060":"30-60 d\xedas","bapply.guest.s4Days6090":"60-90 d\xedas","bapply.guest.s4Days90plus":"90+ d\xedas","bapply.guest.s4JustShopping":"Solo explorando","bapply.guest.s4ContactMethod":"\xbfC\xf3mo debe contactarlo su corredor?","bapply.guest.s4EmailOnly":"Solo correo electr\xf3nico","bapply.guest.s4PhoneCalls":"Llamadas telef\xf3nicas","bapply.guest.s4EitherFine":"Cualquiera est\xe1 bien","bapply.guest.s4BestTime":"Mejor hora del d\xeda para llamadas / respuestas","bapply.guest.s4Morning":"Ma\xf1ana","bapply.guest.s4Afternoon":"Tarde","bapply.guest.s4Evening":"Noche","bapply.guest.s4Anytime":"Cualquier momento","bapply.guest.s5WhyTitle":"Lo \xfaltimo: \xbfc\xf3mo lo contactamos?","bapply.guest.s5WhyBodyA":"Solo lo suficiente para dar seguimiento. Su nombre, un correo electr\xf3nico para el enlace de verificaci\xf3n y un tel\xe9fono si dijo que quiere llamadas.","bapply.guest.s5WhyBodyStrong":"No consultaremos su cr\xe9dito, no compartiremos su informaci\xf3n ni le enviaremos correo basura de marketing.","bapply.guest.s5FirstName":"Nombre","bapply.guest.s5LastName":"Apellido","bapply.guest.s5Email":"Correo electr\xf3nico","bapply.guest.s5EmailHint":"Le enviaremos aqu\xed el enlace para configurar su cuenta.","bapply.guest.s5Phone":"Tel\xe9fono","bapply.guest.s5PhoneOptional":"Tel\xe9fono (opcional)","bapply.guest.s5PhoneHintRequired":"Dijo que quiere llamadas: necesitamos un n\xfamero.","bapply.guest.s5PhoneHintOptional":"Solo se usa si su corredor necesita contactarlo.","bapply.step1.scanLicense":"Escanear licencia de conducir","bapply.step1.fastMobileAuth":"Autenticaci\xf3n m\xf3vil r\xe1pida","bapply.step1.manualEntryToast":"Continuando con la entrada manual.","bapply.step1.identityVerifiedToast":"\xa1Identidad verificada! 1003 rellenado correctamente.","bapply.step1.aamvaReviewToast":"Rellenamos lo que pudimos de su identificaci\xf3n; verifique los campos resaltados.","bapply.step1.aamvaVerifiedToast":"Licencia de conducir verificada: datos rellenados.","bapply.step1.headerTitle":"Informaci\xf3n del prestatario","bapply.step1.headerDesc":"Cu\xe9ntenos sobre usted: nombre, informaci\xf3n de contacto y d\xf3nde vive.","bapply.step1.autofillTitle":"Rellenado con su \xfaltimo pr\xe9stamo.","bapply.step1.autofillBodyA":"Los campos marcados","bapply.step1.autofillBadge":"\xdaltimo pr\xe9stamo","bapply.step1.autofillBodyB":"se copiaron autom\xe1ticamente. Edite cualquier campo para actualizarlo o use “Empezar de nuevo” en el pie de p\xe1gina.","bapply.step1.firstName":"Nombre","bapply.step1.middleName":"Segundo nombre","bapply.step1.noMiddleName":"No tengo segundo nombre (o no aparece en mi identificaci\xf3n)","bapply.step1.lastName":"Apellido","bapply.step1.suffix":"Sufijo (opcional \xb7 Jr, Sr, III, etc.)","bapply.step1.alternateNames":"Nombres alternativos (opcional \xb7 nombres que ha usado en el pasado)","bapply.step1.alternateNamesPlaceholder":"p. ej., apellido de soltera","bapply.step1.email":"Correo electr\xf3nico","bapply.step1.cellPhone":"Tel\xe9fono celular","bapply.step1.homePhone":"Tel\xe9fono de casa (opcional)","bapply.step1.workPhone":"Tel\xe9fono del trabajo (opcional)","bapply.step1.dateOfBirth":"Fecha de nacimiento","bapply.step1.dobHint":"Exigido por las regulaciones federales de pr\xe9stamos para verificar su identidad.","bapply.step1.ssn":"N\xfamero de Seguro Social","bapply.step1.ssnHint":"Lo usamos para extraer su informe de cr\xe9dito. Se transmite por TLS y nunca se vende.","bapply.step1.maritalStatus":"Estado civil","bapply.step1.required":"* Obligatorio","bapply.step1.maritalMarried":"Casado/a","bapply.step1.maritalSeparated":"Separado/a","bapply.step1.maritalUnmarriedLong":"No casado/a (soltero/a, divorciado/a, viudo/a)","bapply.step1.citizenship":"Ciudadan\xeda","bapply.step1.citizenUs":"Ciudadano de EE. UU.","bapply.step1.citizenPermanent":"Residente permanente extranjero","bapply.step1.citizenNonPermanent":"Residente no permanente extranjero","bapply.step1.currentAddress":"Direcci\xf3n actual","bapply.step2.headerTitle":"Informaci\xf3n de empleo","bapply.step2.headerDesc":"Cu\xe9ntenos sobre su historial laboral de los \xfaltimos dos a\xf1os. Incluya todos los trabajos, incluso los de medio tiempo.","bapply.step2.autofillTitle":"Empleo rellenado con su \xfaltimo pr\xe9stamo.","bapply.step2.autofillBody":"Actualice cualquier campo si su situaci\xf3n ha cambiado.","bapply.step3.headerTitle":"Informaci\xf3n financiera: activos","bapply.step3.headerDesc":"Enumere sus cuentas bancarias, cuentas de jubilaci\xf3n y otros activos financieros.","bapply.step3.giftsTitle":"Regalos o subvenciones","bapply.step3.giftsDesc":"Regalos o subvenciones que ha recibido o re

1cibir\xe1 para este pr\xe9stamo.","bapply.step4.pullSuccessToast":"\xa1Tri-fusi\xf3n de Factual Data extra\xedda correctamente! Puntaje: {score}","bapply.step4.pullFailToast":"No se pudo extraer el cr\xe9dito","bapply.step4.pullNetworkErrorToast":"Error de red al comunicarse con Factual Data.","bapply.step4.creditVerified":"Cr\xe9dito verificado: {score}","bapply.step4.pullingCredit":"Extrayendo cr\xe9dito…","bapply.step4.pullCredit":"Extraer cr\xe9dito v\xeda Factual Data","bapply.step4.headerTitle":"Informaci\xf3n financiera: pasivos","bapply.step4.headerDesc":"Enumere sus tarjetas de cr\xe9dito, pr\xe9stamos, arrendamientos y cualquier otra obligaci\xf3n mensual de deuda.","bapply.step5.headerTitle":"Informaci\xf3n financiera: bienes ra\xedces","bapply.step5.headerDesc":"Enumere cualquier propiedad que posea actualmente, incluyendo la direcci\xf3n, el valor estimado y cualquier hipoteca sobre ellas.","bapply.step6.headerTitle":"Informaci\xf3n del pr\xe9stamo y la propiedad","bapply.step6.headerDesc":"Cu\xe9ntenos sobre la propiedad que est\xe1 comprando o refinanciando y cu\xe1nto le gustar\xeda pedir prestado.","bapply.step6.loanAnalysis":"An\xe1lisis del pr\xe9stamo","bapply.step6.fixThis":"Corregir esto","bapply.step6.loanAmount":"Monto del pr\xe9stamo","bapply.step6.propertyValue":"Valor de la propiedad (estimado)","bapply.step6.loanPurpose":"Prop\xf3sito del pr\xe9stamo","bapply.step6.purposePurchase":"Compra","bapply.step6.purposeRefinance":"Refinanciaci\xf3n","bapply.step6.purposeOther":"Otro","bapply.step6.propertyType":"Tipo de propiedad","bapply.step6.ptSingleFamily":"Unifamiliar","bapply.step6.ptCondo":"Condominio","bapply.step6.ptTownhouse":"Casa adosada","bapply.step6.ptMultiFamily":"Multifamiliar","bapply.step6.ptOther":"Otro","bapply.step6.occupancy":"Ocupaci\xf3n","bapply.step6.occPrimary":"Residencia principal","bapply.step6.occSecond":"Segunda vivienda","bapply.step6.occInvestment":"Propiedad de inversi\xf3n","bapply.step6.occFhaSecondary":"Residencia secundaria FHA","bapply.step6.subjectPropertyAddress":"Direcci\xf3n de la propiedad en cuesti\xf3n","bapply.step6.streetAddress":"Direcci\xf3n","bapply.step6.city":"Ciudad","bapply.step6.state":"Estado","bapply.step6.zipCode":"C\xf3digo postal","bapply.step6.mixedUse":"Propiedad de uso mixto","bapply.step6.manufacturedHome":"Casa prefabricada","bapply.step6.firstTimeHomebuyer":"Comprador de vivienda por primera vez","bapply.step6.subordinateFinancing":"Financiamiento subordinado (opcional)","bapply.step6.leaveBlankIfNone":"Deje en blanco si no hay","bapply.step6.estimatedRentalIncome":"Ingresos mensuales estimados por alquiler (opcional)","bapply.step6.leaveBlankIfNotRental":"Deje en blanco si no es un alquiler","bapply.step6.hoaDues":"Cuotas mensuales de HOA (opcional)","bapply.step6.leaveBlankIfNoHoa":"Deje en blanco si no hay HOA","bapply.step6.refiTypeLabel":"\xbfQu\xe9 tipo de refinanciamiento?","bapply.step6.refiRateTerm":"Tasa/plazo","bapply.step6.refiRateTermDesc":"Bajar mi tasa o cambiar mi plazo","bapply.step6.refiCashOut":"Con retiro de efectivo","bapply.step6.refiCashOutDesc":"Sacar efectivo de mi plusval\xeda","bapply.step6.cashOutAmount":"\xbfAproximadamente cu\xe1nto efectivo desea retirar?","bapply.step6.unitCountLabel":"\xbfCu\xe1ntas unidades tiene la propiedad?","bapply.step6.unitCount2":"2 unidades","bapply.step6.unitCount3":"3 unidades","bapply.step6.unitCount4":"4 unidades","bapply.step6.ownershipDetails":"Detalles de titularidad de la propiedad","bapply.step6.ownershipOptional":"Opcional — su agente puede completarlo con usted m\xe1s tarde","bapply.step6.estateType":"\xbfC\xf3mo poseer\xe1 la propiedad?","bapply.step6.estateFeeSimple":"Pleno dominio (fee simple)","bapply.step6.estateFeeSimpleDesc":"Lo m\xe1s com\xfan — usted es due\xf1o de la casa y del terreno","bapply.step6.estateLeasehold":"Arrendamiento (leasehold)","bapply.step6.estateLeaseholdDesc":"Usted es due\xf1o de la casa pero arrienda el terreno","bapply.step6.titleManner":"\xbfC\xf3mo se tomar\xe1 el t\xedtulo?","bapply.step6.titleSole":"Propiedad individual","bapply.step6.titleJoint":"C

1opropiedad con supervivencia (joint tenants)","bapply.step6.titleCommon":"Copropiedad en com\xfan (tenants in common)","bapply.step6.titleCommunity":"Bienes gananciales (community property)","bapply.step6.titleUnsureHint":"\xbfNo est\xe1 seguro? Om\xedtalo — puede decidirlo con su agente m\xe1s tarde.","bapply.step7.headerTitle":"Declaraciones","bapply.step7.headerDesc":"Responda cada pregunta seg\xfan corresponda a su situaci\xf3n. Estas son preguntas est\xe1ndar requeridas en toda solicitud de hipoteca.","bapply.step7.importantDeclarations":"Declaraciones importantes","bapply.step7.whyWeAsk":"Por qu\xe9 preguntamos \xb7 texto completo","bapply.step7.answerForAria":"Respuesta para: {question}","bapply.step7.yes":"S\xed","bapply.step7.no":"No","bapply.step7.bankruptcyType":"Tipo de quiebra","bapply.step7.selectType":"Seleccione el tipo","bapply.step7.explanationLabel":'Explicaci\xf3n de cualquier respuesta "S\xed" (opcional)',"bapply.step7.explanationPlaceholder":"Proporcione detalles de cualquier declaraci\xf3n marcada como 'S\xed'... (o toque el micr\xf3fono para dictar)","bapply.step7.q_a_label":"A. \xbfSer\xe1 esta su vivienda principal?","bapply.step7.q_a_full":"\xbfOcupar\xe1 la propiedad como su residencia principal?","bapply.step7.q_b_label":"B. \xbfTiene parentesco o relaci\xf3n comercial con el vendedor?","bapply.step7.q_b_full":"\xbfTiene una relaci\xf3n familiar o afiliaci\xf3n comercial con el vendedor de la propiedad?","bapply.step7.q_c_label":"C. \xbfPide dinero prestado para el cierre o el enganche a alguien no listado aqu\xed?","bapply.step7.q_c_full":"\xbfEst\xe1 pidiendo prestado alg\xfan dinero para esta transacci\xf3n inmobiliaria (p. ej., dinero para sus costos de cierre o enganche) u obteniendo dinero de otra parte, como el vendedor o el agente inmobiliario, que no haya divulgado en esta solicitud de pr\xe9stamo?","bapply.step7.q_d_label":"D. \xbfSolicita otra hipoteca en otro lugar antes de que esta se cierre?","bapply.step7.q_d_full":"\xbfHa solicitado o solicitar\xe1 un pr\xe9stamo hipotecario sobre otra propiedad (no la propiedad que garantiza este pr\xe9stamo) en o antes del cierre de esta transacci\xf3n que no est\xe9 divulgado en esta solicitud de pr\xe9stamo?","bapply.step7.q_e_label":"E. \xbfSolicita alg\xfan cr\xe9dito nuevo (tarjeta, pr\xe9stamo, etc.) antes de que se cierre este pr\xe9stamo?","bapply.step7.q_e_full":"\xbfHa solicitado o solicitar\xe1 alg\xfan cr\xe9dito nuevo (p. ej., pr\xe9stamo a plazos, tarjeta de cr\xe9dito, etc.) en o antes del cierre de este pr\xe9stamo que no est\xe9 divulgado en esta solicitud?","bapply.step7.q_f_label":"F. \xbfAlg\xfan otro gravamen que tendr\xeda prioridad sobre la nueva hipoteca?","bapply.step7.q_f_full":"\xbfEstar\xe1 esta propiedad sujeta a un gravamen que podr\xeda tener prioridad sobre el gravamen de la primera hipoteca?","bapply.step7.q_g_label":"G. \xbfEs cofirmante o garante de alguna deuda no listada aqu\xed?","bapply.step7.q_g_full":"\xbfEs cofirmante o garante de alguna deuda o pr\xe9stamo que no est\xe9 divulgado en esta solicitud?","bapply.step7.q_h_label":"H. \xbfTiene alg\xfan fallo judicial pendiente en su contra?","bapply.step7.q_i_label":"I. \xbfEst\xe1 atrasado en una deuda federal (impuestos, pr\xe9stamo estudiantil, SBA, etc.)?","bapply.step7.q_i_full":"\xbfEst\xe1 actualmente moroso o en incumplimiento de una deuda federal?","bapply.step7.q_j_label":"J. \xbfEs parte de una demanda en la que podr\xeda deber dinero?","bapply.step7.q_j_full":"\xbfEs parte de una demanda en la que potencialmente tiene alguna responsabilidad financiera personal?","bapply.step7.q_k_label":"K. \xbfCedi\xf3 una propiedad en lugar de ejecuci\xf3n hipotecaria en los \xfaltimos 7 a\xf1os?","bapply.step7.q_k_full":"\xbfHa cedido el t\xedtulo de alguna propiedad en lugar de una ejecuci\xf3n hipotecaria en los \xfaltimos 7 a\xf1os?","bapply.step7.q_l_label":"L. \xbfSe declar\xf3 en quiebra en los \xfaltimos 7 a\xf1os?","bapply.step7.q_l_full":"\xbfSe ha declarado en quiebra en los \xfaltimos 7 a\xf1os?","bapply.step8.headerTitle":"Reconocimientos y acuerdos","bapply.step8.headerDesc":"Revise las declaraciones a continuaci\xf3n y marque la casilla para confirmar su acuerdo antes de continuar.","bapply.step8.intro":"Acepto, reconozco y declaro lo siguiente:","bapply.step8.p1Label":"(1) La informaci\xf3n completa de esta solicitud:","bapply.step8.p1Body":"La informaci\xf3n que he proporcionado en esta solicitud es verdadera, exacta y completa a la fecha en que firm\xe9 esta solicitud. Usted puede basarse en esta informaci\xf3n para decidir si aprueba esta solicitud.","bapply.step8.p2Label":"(2) La garant\xeda de la propiedad:","bapply.step8.p2Body":"El pr\xe9stamo que he solicitado estar\xe1 garantizado por una hipoteca o escritura de fideicomiso que otorga al prestamista una garant\xeda sobre la propiedad descrita en esta solicitud.","bapply.step8.p3Label":"(3) La tasaci\xf3n, el valor y la condici\xf3n de la propiedad:","bapply.step8.p3Body":"Cualquier tasaci\xf3n o valor de la propiedad obtenido por usted es para uso suyo y de otros participantes del pr\xe9stamo. No me he basado en ninguna tasaci\xf3n o valor de la propiedad obtenido por usted.","bapply.step8.p4Label":"(4) Registros y firmas electr\xf3nicas:","bapply.step8.p4Body":"Acepto recibir y firmar documentos electr\xf3nicamente.","bapply.step8.p5Label":"(5) Morosidad:","bapply.step8.p5Body":"El prestamista puede reportar informaci\xf3n sobre mi cuenta a las agencias de cr\xe9dito. Los pagos atrasad

1os, los pagos omitidos u otros incumplimientos en mi cuenta pueden reflejarse en mi informe de cr\xe9dito.","bapply.step8.p6Label":"(6) Uso de la informaci\xf3n:","bapply.step8.p6Body":"Autorizo al prestamista a verificar la informaci\xf3n que he proporcionado.","bapply.step8.agreeCheckbox":"Acepto los reconocimientos anteriores y consiento las firmas electr\xf3nicas.","bapply.step9.militaryTitle":"Servicio militar","bapply.step9.militaryDesc":"Si ha servido en las Fuerzas Armadas de EE. UU., puede calificar para un pr\xe9stamo VA sin enganche.","bapply.step9.militaryQuestion":"\xbfUsted (o su c\xf3nyuge fallecido) sirvi\xf3 alguna vez, o est\xe1 sirviendo actualmente, en las Fuerzas Armadas de los Estados Unidos?","bapply.step9.militaryAria":"Servicio militar: S\xed o No","bapply.step9.yes":"S\xed","bapply.step9.no":"No","bapply.step9.checkAllApply":"Marque todas las que correspondan:","bapply.step9.activeDuty":"Actualmente en servicio activo","bapply.step9.survivingSpouse":"C\xf3nyuge sobreviviente","bapply.step9.demographicTitle":"Informaci\xf3n demogr\xe1fica","bapply.step9.demographicDesc":"Exigido a nivel federal para los informes de la Ley de Divulgaci\xf3n de Hipotecas para Viviendas (HMDA). Responder es opcional: negarse no afectar\xe1 su solicitud.","bapply.step9.ethnicity":"Origen \xe9tnico","bapply.step9.pickOne":"\xb7 Elija una (negarse est\xe1 bien)","bapply.step9.hmdaHelper":"Exigido a nivel federal para los informes HMDA. Negarse no afectar\xe1 su solicitud.","bapply.step9.hmdaHelperRace":"Exigido a nivel federal para los informes HMDA. Seleccione todas las que correspondan. Negarse no afectar\xe1 su solicitud.","bapply.step9.ethHispanic":"Hispano o latino","bapply.step9.ethNotHispanic":"No hispano ni latino","bapply.step9.refuse":"No deseo proporcionar esta informaci\xf3n","bapply.step9.ethSubMexican":"Mexicano","bapply.step9.ethSubPuertoRican":"Puertorrique\xf1o","bapply.step9.ethSubCuban":"Cubano","bapply.step9.ethSubOther":"Otro hispano o latino","bapply.step9.enterOrigin":"Ingrese el origen","bapply.step9.sex":"Sexo","bapply.step9.sexMale":"Masculino","bapply.step9.sexFemale":"Femenino","bapply.step9.race":"Raza","bapply.step9.race_americanIndianOrAlaskaNative":"Ind\xedgena estadounidense o nativo de Alaska","bapply.step9.race_asian":"Asi\xe1tico","bapply.step9.race_blackOrAfricanAmerican":"Negro o afroamericano","bapply.step9.race_nativeHawaiianOrOtherPacificIslander":"Nativo de Haw\xe1i u otro isle\xf1o del Pac\xedfico","bapply.step9.race_white":"Blanco","bapply.step9.race_refuse":"No deseo proporcionar esta informaci\xf3n","bapply.step9.raceSub_asianIndian":"Indio asi\xe1tico","bapply.step9.raceSub_chinese":"Chino","bapply.step9.raceSub_filipino":"Filipino","bapply.step9.raceSub_japanese":"Japon\xe9s","bapply.step9.raceSub_korean":"Coreano","bapply.step9.raceSub_vietnamese":"Vietnamita","bapply.step9.raceSub_otherAsian":"Otro asi\xe1tico","bapply.step9.raceSub_nativeHawaiian":"Nativo de Haw\xe1i","bapply.step9.raceSub_guamanianOrChamorro":"Guame\xf1o o chamorro","bapply.step9.raceSub_samoan":"Samoano","bapply.step9.raceSub_otherPacificIslander":"Otro isle\xf1o del Pac\xedfico","bapply.step9.enterTribe":"Ingrese el nombre de la tribu inscrita o principal","bapply.step9.loanOriginatorTitle":"Informaci\xf3n del originador del pr\xe9stamo","bapply.step9.loanOriginatorBody":"Su corredor y el oficial de pr\xe9stamos asignado completar\xe1n esta secci\xf3n antes de que se emitan sus divulgaciones finales. Ver\xe1 su nombre completo, los ID de NMLS y los datos de contacto en cada documento de divulgaci\xf3n que reciba.","bapply.step10.headerTitle":"Revisi\xf3n final y consentimiento","bapply.step10.headerDesc":"Ya casi termina. Revise y acepte las divulgaciones a continuaci\xf3n para enviar su solicitud.","bapply.page.autosaveEditing":"Editando…","bapply.page.autosaveSaving":"Guardando…","bapply.page.autosaveSaved":"Guardado","bapply.page.autosaveFailed":"Error al guardar","bapply.page.step_borrower_label":"Prestatario","bapply.page.step_borrower_short":"Info","bapply.page.step_employment_label":"Empleo","bapply.page.step_employment_short":"Trabajo","bapply.page.step_assets_label":"Activos","bapply.page.step_assets_short":"Activos","bapply.page.step_liabilities_label":"Pasivos","bapply.page.step_liabilities_short":"Deudas","bapply.page.step_realEstate_label":"Bienes ra\xedces","bapply.page.step_realEstate_short":"BR","bapply.page.step_loanProperty_label":"Pr\xe9stamo y propiedad","bapply.page.step_loanProperty_short":"Pr\xe9stamo","bapply.page.step_transactionTeam_label":"Equipo de la transacci\xf3n","bapply.page.step_transactionTeam_short":"Equipo","bapply.page.step_declarations_label":"Declaraciones","bapply.page.step_declarations_short":"Decl.","bapply.page.step_agreements_label":"Acuerdos","bapply.page.step_agreements_short":"Acepta","bapply.page.step_militaryDemo_label":"Militar y datos demogr\xe1ficos","bapply.page.step_militaryDemo_short":"Mil.","bapply.page.step_consent_label":"Consentimiento","bapply.page.step_consent_short":"Final","bapply.page.fieldUpdatedAi":"Campo actualizado a partir de la sugerencia de la IA.","bapply.page.saveTimeout":"El guardado tard\xf3 m\xe1s de lo esperado: es posible que su \xfaltimo cambio no se haya guardado. Actualice para confirmar.","bapply.page.consentRequiredTitle":"Consentimiento requerido","bapply.page.consentRequiredMsg":"Debe aceptar todos los t\xe9rminos y divulgaciones para continuar.","bapply.page.fixIt":"Corregirlo","bapply.page.noBorrowerId":"Error: No se encontr\xf3 el ID del prestatario. Inicie sesi\xf3n de nuevo.","bapply.page.savingChanges":"Guardando cambios...","bapply.page.submittingApplication":"Env

1iando solicitud...","bapply.page.pleaseComplete":"Complete lo siguiente:\n{items}","bapply.page.actionRequiredTitle":"Acci\xf3n requerida","bapply.page.outstandingConditions":"Tiene condiciones pendientes por resolver.","bapply.page.loanNotFound":"Error: No se pudo encontrar el pr\xe9stamo para actualizar. Int\xe9ntelo de nuevo.","bapply.page.savedAt":"Guardado correctamente a las {time}","bapply.page.applicationSubmitted":"\xa1Solicitud enviada! Redirigiendo al panel...","bapply.page.submitErrorPrefixed":"Error: {error}. Int\xe9ntelo de nuevo.","bapply.page.submitFailedDefault":"No se pudo enviar la solicitud","bapply.page.networkError":"Ocurri\xf3 un error de red. Verifique su conexi\xf3n e int\xe9ntelo de nuevo.","bapply.page.docUpdated1003":"1003 actualizado a partir de su documento.","bapply.page.sectionComingSoon":"Secci\xf3n {step} pr\xf3ximamente...","bapply.page.saveFailedBanner":"Error al guardar","bapply.page.retry":"Reintentar","bapply.page.dismissError":"Descartar error","bapply.page.walkMeThrough":"Gu\xedame por este paso","bapply.page.missingDataTitle":"Advertencia de datos faltantes","bapply.page.missingDataDesc":"Algunos campos requeridos est\xe1n incompletos o tienen errores. Puede volver atr\xe1s y corregirlos ahora, o enviarlos tal como est\xe1n, pero las solicitudes incompletas pueden retrasar su aprobaci\xf3n.","bapply.page.goBackFix":"Volver y corregir","bapply.page.submitAnyway":"Env

1iar de todos modos","bapply.page.saveFirst":"Guarde primero su solicitud","bloan.backToDashboard":"Volver al panel","bloan.loanNotFound":"Pr\xe9stamo no encontrado","bloan.loanNotFoundOrNoAccess":"Este pr\xe9stamo no existe o no tiene acceso.","bloan.notFoundTitle":"No encontrado","bloan.loanNotExistOrNoAccess":"Este pr\xe9stamo no existe o no tiene acceso.","bloan.forbiddenTitle":"Prohibido","bloan.viewOwnLoansOnly":"Solo puede ver sus propios pr\xe9stamos.","bloan.openInNewTab":"Abrir en una pesta\xf1a nueva","bloan.download":"Descargar","bloan.notAvailable":"No disponible","bloan.reviewedBadge":"Revisado","bloan.versionLabel":"Versi\xf3n {version}","bloan.issuedOn":"Emitido {date}","bloan.viewedOn":"Visto {date}","bloan.previousVersions":"Versiones anteriores ({count})","bloan.fromLabel":"De","bloan.exploreTitle":"Explorar opciones de pr\xe9stamo","bloan.exploreSubtitle":"Ya sea que compre una vivienda por primera vez, sea veterano o inversionista de bienes ra\xedces, tenemos la soluci\xf3n de financiamiento perfecta adaptada a sus objetivos.","bloan.exploreHint":"Elija el programa que se ajuste a su situaci\xf3n: nada queda fijado. Puede ajustar los detalles (y cambiar de programa con su oficial de pr\xe9stamos) en el siguiente paso.","bloan.mostPopular":"M\xe1s popular","bloan.bestForLabel":"Ideal para:","bloan.applyForThisLoan":"Solicitar este pr\xe9stamo","bloan.notSureTitle":"\xbfNo est\xe1 seguro de qu\xe9 pr\xe9stamo es el adecuado para usted?","bloan.notSureBody":"Use nuestro sistema de coincidencia inteligente con IA para encontrar el programa de pr\xe9stamo perfecto seg\xfan su perfil financiero en segundos.","bloan.getMatched":"Encontrar coincidencia","bloan.useCalculator":"Usar calculadora","bloan.type_conventional_title":"Pr\xe9stamo convencional","bloan.type_conventional_desc":"La opci\xf3n est\xe1ndar para la mayor\xeda de los compradores con buen cr\xe9dito.","bloan.type_conventional_bestFor":"Prestatarios con un puntaje de cr\xe9dito de 620 o m\xe1s.","bloan.type_conventional_benefit1":"Plazos flexibles (10-30 a\xf1os)","bloan.type_conventional_benefit2":"Opciones de pago inicial bajo (desde 3%)","bloan.type_conventional_benefit3":"Sin cargo inicial de seguro hipotecario","bloan.type_fha_title":"Pr\xe9stamo FHA","bloan.type_fha_desc":"Pr\xe9stamos respaldados por el gobierno dise\xf1ados para prestatarios de ingresos bajos a moderados.","bloan.type_fha_bestFor":"Compradores por primera vez o personas con puntajes de cr\xe9dito m\xe1s bajos.","bloan.type_fha_benefit1":"Se aceptan puntajes de cr\xe9dito m\xe1s bajos (580+)","bloan.type_fha_benefit2":"Pago inicial bajo (3.5%)","bloan.type_fha_benefit3":"L\xedmites de DTI m\xe1s flexibles","bloan.type_va_title":"Pr\xe9stamo VA","bloan.type_va_desc":"Beneficios exclusivos para veteranos, miembros del servicio en servicio activo y c\xf3nyuges sobrevivientes elegibles.","bloan.type_va_bestFor":"Miembros del ej\xe9rcito y veteranos.","bloan.type_va_benefit1":"$0 de pago inicial requerido","bloan.type_va_benefit2":"Sin seguro hipotecario privado (PMI)","bloan.type_va_benefit3":"Tasas de inter\xe9s competitivas","bloan.type_jumbo_title":"Pr\xe9stamo jumbo","bloan.type_jumbo_desc":"Financiamiento para propiedades de lujo y viviendas en mercados inmobiliarios altamente competitivos.","bloan.type_jumbo_bestFor":"Compradores de viviendas de lujo o de alto costo.","bloan.type_jumbo_benefit1":"Montos de pr\xe9stamo que superan los l\xedmites conformes","bloan.type_jumbo_benefit2":"Tasas fijas o ajustables","bloan.type_jumbo_benefit3":"Montos de pr\xe9stamo de hasta $3M o m\xe1s","bloan.type_usda_title":"Pr\xe9stamo USDA","bloan.type_usda_desc":"Hipotecas sin pago inicial para compradores de viviendas rurales y suburbanas.","bloan.type_usda_bestFor":"Compradores en \xe1reas rurales o suburbanas designadas.","bloan.type_usda_benefit1":"$0 de pago inicial","bloan.type_usda_benefit2":"Tasas hipotecarias por debajo del mercado","bloan.type_usda_benefit3":"Bajos costos de seguro hipotecario","bloan.type_dscr_title":"Pr\xe9stamo de inversi\xf3n DSCR","bloan.type_dscr_desc":"Pr\xe9stamos de ratio de cobertura del servicio de la deuda (DSCR) para inversionistas inmobiliarios que usan ingresos por alquiler para calificar.","bloan.type_dscr_bestFor":"Inversionistas inmobiliarios y revendedores de propiedades.","bloan.type_dscr_benef

1it1":"No se requiere verificaci\xf3n de ingresos personales","bloan.type_dscr_benefit2":"Califique seg\xfan el flujo de efectivo de la propiedad","bloan.type_dscr_benefit3":"Cierre en una LLC","bloan.intentReceivedTitle":"Intenci\xf3n de proceder recibida","bloan.intentRecordedAt":"Registrado {when}. Su oficial de pr\xe9stamos ahora puede cobrar la tasaci\xf3n y otros cargos de terceros.","bloan.intentCtaTitle":"Exprese su intenci\xf3n de proceder","bloan.intentCtaBodyBefore":"Una vez que haya revisado este Loan Estimate y desee continuar con el pr\xe9stamo, haga clic a continuaci\xf3n para informar a su oficial de pr\xe9stamos.","bloan.intentCtaBodyEmphasis":"Esto no es un compromiso de tomar el pr\xe9stamo.","bloan.intentCtaBodyAfter":"Solo los autoriza a comenzar a solicitar servicios como la tasaci\xf3n.","bloan.intentCtaFeeNote":"Hasta que exprese su intenci\xf3n, su prestamista no puede cobrarle cargos m\xe1s all\xe1 del cargo por el informe de cr\xe9dito.","bloan.intentRecording":"Registrando…","bloan.intentButton":"Tengo la intenci\xf3n de proceder","bloan.exitFullscreen":"Salir de pantalla completa","bloan.openFullscreen":"Abrir en pantalla completa","bloan.exitFullscreenEsc":"Salir de pantalla completa (Esc)","bloan.helpChatFooter":"Breeze puede responder preguntas generales. Para asesor\xeda legal o espec\xedfica del prestamista, comun\xedquese con su oficial de pr\xe9stamos.","bloan.leHelpTitle":"Preg\xfantele a Breeze sobre su Loan Estimate","bloan.leHelpSubtitle":"Respuestas sobre divulgaciones, cargos, intenci\xf3n de proceder y los plazos de TRID.","bloan.leHelpWelcome":"\xbfTiene una pregunta sobre su Loan Estimate? Pregunte lo que sea: qu\xe9 significan los cargos, c\xf3mo se fij\xf3 la tasa, qu\xe9 pasa despu\xe9s de expresar su intenci\xf3n.","bloan.leHelpWelcomeBroker":"\xbfTiene una pregunta sobre su Loan Estimate de {broker}? Pregunte lo que sea: qu\xe9 significan los cargos, c\xf3mo se fij\xf3 la tasa, qu\xe9 pasa despu\xe9s de expresar su intenci\xf3n.","bloan.leSuggestWhatIs":"\xbfQu\xe9 es un Loan Estimate?","bloan.leSuggestWhyGetting":"\xbfPor qu\xe9 estoy recibiendo esto?","bloan.leSuggestIntentMeaning":'\xbfQu\xe9 significa "Intenci\xf3n de proceder"?',"bloan.leSuggestNewVersion":"\xbfQu\xe9 pasa si se emite una versi\xf3n nueva?","bloan.leSuggestFeesBeforeIntent":"\xbfQu\xe9 cargos puede cobrarme mi prestamista antes de que exprese mi intenci\xf3n?","bloan.leSuggestRateValid":"\xbfPor cu\xe1nto tiempo es v\xe1lida esta tasa?","bloan.cdHelpTitle":"Preg\xfantele a Breeze sobre su Closing Disclosure","bloan.cdHelpSubtitle":"Respuestas sobre el efectivo para el cierre, el periodo de 3 d\xedas, los cambios por partida y la rescisi\xf3n.","bloan.cdHelpWelcome":"\xbfTiene una pregunta sobre su Closing Disclosure? Preg\xfanteme sobre cualquier partida, el periodo de revisi\xf3n de 3 d\xedas, el efectivo para el cierre o qu\xe9 cambi\xf3 desde su Loan Estimate.","bloan.cdHelpWelcomeBroker":"\xbfTiene una pregunta sobre su Closing Disclosure de {broker}? Preg\xfanteme sobre cualquier partida, el periodo de revisi\xf3n de 3 d\xedas, el efectivo para el cierre o qu\xe9 cambi\xf3 desde su Loan Estimate.","bloan.cdSuggestWhatIs":"\xbfQu\xe9 es una Closing Disclosure?","bloan.cdSuggestWhy3Days":"\xbfPor qu\xe9 tengo que esperar 3 d\xedas h\xe1biles?","bloan.cdSuggestDifferFromLe":"\xbfEn qu\xe9 se diferencia esto de mi Loan Estimate?","bloan.cdSuggestCashToClose":'\xbfQu\xe9 es el "efe

1ctivo para el cierre"?',"bloan.cdSuggestRescission":"\xbfQu\xe9 es el derecho de rescisi\xf3n?","bloan.cdSuggestChangesAtClosing":"\xbfQu\xe9 cambios pueden ocurrir a\xfan en el cierre?","bloan.cdPageTitle":"Su Closing Disclosure","bloan.cdNotIssued":"Su oficial de pr\xe9stamos a\xfan no ha emitido una Closing Disclosure.","bloan.cdLatestLabel":"Closing Disclosure m\xe1s reciente","bloan.cdEarliestClosing":"Fecha legal de cierre m\xe1s temprana: {date}","bloan.cdTileMonthlyPi":"Capital e intereses mensuales","bloan.cdTileInterestRate":"Tasa de inter\xe9s","bloan.cdTileCashToClose":"Efectivo para el cierre","bloan.cdTileCashToCloseSub":"lo que usted aporta al cierre","bloan.cdWorksheetHeading":"Hoja de c\xe1lculo del efectivo para el cierre","bloan.cdCtcTotalClosingCosts":"Costos totales de cierre","bloan.cdCtcCostsPaidBefore":"Costos de cierre pagados antes del cierre","bloan.cdCtcCostsFinanced":"Costos de cierre financiados","bloan.cdCtcLenderCredits":"Cr\xe9ditos del prestamista","bloan.cdCtcDownPayment":"Pago inicial","bloan.cdCtcEarnestDeposit":"Dep\xf3sito de buena fe (earnest money)","bloan.cdCtcSellerCredits":"Cr\xe9ditos del vendedor","bloan.cdCtcFundsForBorrower":"Fondos para el prestatario","bloan.cdCtcOtherAdjustments":"Otros ajustes","bloan.cdCtcCashToCloseRow":"Efectivo para el cierre","bloan.cdWorksheetNote":"Los valores negativos son cr\xe9ditos que reducen el monto que usted aporta. Los valores positivos lo aumentan.","bloan.cdTrustNote":"Esta es una divulgaci\xf3n transaccional requerida por la ley federal. Su acceso a ella se registra para fines de auditor\xeda. Solo usted y su equipo de prestamista autorizado pueden ver esta p\xe1gina.","bloan.lePageTitle":"Sus Loan Estimates","bloan.leStepApplied":"Solicitado","bloan.leStepLeIssued":"LE emitido","bloan.leStepReviewed":"Revisado","bloan.leStepIntent":"Intenci\xf3n","bloan.leDeliveryFailedTitle":"Fall\xf3 la entrega por correo electr\xf3nico, pero a\xfan puede revisarlo aqu\xed","bloan.leDeliveryFailedBodyBefore":"Se notific\xf3 a su oficial de pr\xe9stamos que la copia por correo electr\xf3nico de este Loan Estimate no lleg\xf3 a su bandeja de entrada","bloan.leDeliveryFailedBodyAfter":"Est\xe1n verificando su informaci\xf3n de contacto y la reenviar\xe1n. Mientras tanto, el documento est\xe1 disponible completo a continuaci\xf3n.","bloan.leLatestLabel":"Loan Estimate m\xe1s reciente","bloan.lePdfNotAvailable":"PDF a\xfan no disponible","bloan.leCdAvailable":"Closing Disclosure disponible","bloan.leCdEarliestClosing":"Cierre m\xe1s temprano {date}","bloan.leActionNeeded":"Se requiere acci\xf3n","bloan.leCdBody":"T\xe9rminos finales y hoja de c\xe1lculo completa del efectivo para el cierre. La ley federal le da 3 d\xedas h\xe1biles entre la recepci\xf3n y la firma; por favor, rev\xedselo antes del cierre.","bloan.leOpenCd":"Abrir Closing Disclosure","bloan.leAwaitingSignature":"Esperando su firma","bloan.leEnvelopesSentOne":"{count} sobre enviado para firmar","bloan.leEnvelopesSentMany":"{count} sobres enviados para firmar","bloan.leEnvelopesExplainer":"Cada sobre se envi\xf3 a su correo electr\xf3nico. Abra el enlace del correo del proveedor de firmas para completarlo, o use el enlace directo de firma a continuaci\xf3n si est\xe1 disponible.","bloan.leSentToday":"Enviado hoy","bloan.leSentDaysAgoOne":"Enviado hace {days} d\xeda","bloan.leSentDaysAgoMany":"Enviado hace {days} d\xedas","bloan.leEsignRequest":"Solicitud de firma electr\xf3nica \xb7 {provider}","bloan.leOpenSigningPage":"Abrir p\xe1gina de firma","bloan.leCheckEmail":"Revise su correo electr\xf3nico","bloan.leDontSeeEmail":"\xbfNo ve el correo electr\xf3nico? Revise el spam o escriba a su oficial de pr\xe9stamos para que lo reenv\xede.","bloan.leEmptyTitle":"A\xfan no se ha emitido ning\xfan Loan Estimate.","bloan.leEmptyBody":"Una vez que su oficial de pr\xe9stamos fije una tasa o que usted env\xede su solicitud, su primer LE aparecer\xe1 aqu\xed dentro de 3 d\xedas h\xe1biles.","bloan.leQuestionsTitle":"\xbfPreguntas?","bloan.leQuestionsBody":"Responda al correo electr\xf3nico que recibi\xf3 y su oficial de pr\xe9stamos le contestar\xe1.","bloan.leWorkingWith":"Trabajando con: {broker}","bloan.leSecurePortalTitle":"Portal seguro","bloan.leSecurePortalBody":"Su acceso se registra para fines de cumplimiento. Solo usted y el personal autorizado del prestamista pueden ver esta p\xe1gina.","bloan.leWantToLearnMore":"\xbfQuiere saber m\xe1s?","bloan.leCfpbLink":"Explicaci\xf3n del Lo

1an Estimate del CFPB →","bloan.coSectionEyebrow":"Secci\xf3n del co-prestatario","bloan.coSectionTitle":"Complete su parte del 1003","bloan.coSectionIntro":"El prestatario principal ya complet\xf3 su secci\xf3n. La suya es m\xe1s corta: nombre + ID, direcci\xf3n actual, empleo y las mismas declaraciones de s\xed/no que responde cada prestatario. Guarde en cualquier momento; su corredor revisar\xe1 el archivo completo antes de enviarlo al prestamista.","bloan.coLastSaved":"Guardado por \xfaltima vez {when}","bloan.coReturnToDashboard":"Volver al panel","bloan.coNameRequired":"Por favor, primero complete su nombre y apellido.","bloan.coFailedToSave":"No se pudo guardar","bloan.coCardAboutYou":"Acerca de usted","bloan.coFieldFirstName":"Nombre *","bloan.coFieldMiddle":"Segundo nombre (opcional)","bloan.coFieldLastName":"Apellido *","bloan.coFieldDob":"Fecha de nacimiento (AAAA-MM-DD)","bloan.coFieldSsn":"SSN (XXX-XX-XXXX)","bloan.coFieldPhone":"Tel\xe9fono","bloan.coFieldEmail":"Correo electr\xf3nico (solo lectura)","bloan.coFieldCitizenship":"Ciudadan\xeda","bloan.coFieldMaritalStatus":"Estado civil","bloan.coSelectPlaceholder":"Seleccionar…","bloan.coCitizenUs":"Ciudadano de EE. UU.","bloan.coCitizenPermanent":"Residente permanente","bloan.coCitizenNonPermanent":"Residente no permanente","bloan.coMaritalMarried":"Casado/a","bloan.coMaritalUnmarried":"Soltero/a","bloan.coMaritalSeparated":"Separado/a","bloan.coCardCurrentAddress":"Direcci\xf3n actual","bloan.coFieldStreet":"Calle","bloan.coFieldUnit":"Unidad (opcional)","bloan.coFieldCity":"Ciudad","bloan.coFieldState":"Estado","bloan.coFieldZip":"C\xf3digo postal","bloan.coFieldYearsAtAddress":"A\xf1os en la direcci\xf3n","bloan.coFieldRentOrOwn":"Alquila o es propietario","bloan.coRentOption":"Alquilo","bloan.coOwnOption":"Soy propietario","bloan.coOtherOption":"Otro","bloan.coCardEmployment":"Empleo + ingresos","bloan.coFieldEmployer":"Empleador","bloan.coFieldPosition":"Puesto / cargo","bloan.coFieldStartDate":"Fecha de inicio (AAAA-MM-DD)","bloan.coFieldMonthlyIncome":"Ingresos mensuales (brutos $)","bloan.coFieldSelfEmployed":"Trabajador por cuenta propia","bloan.coSelfEmployedNo":"No (empleado W-2)","bloan.coSelfEmployedYes":"S\xed (trabajador por cuenta propia)","bloan.coFieldOtherIncome":"Otros ingresos / mes (opcional)","bloan.coFieldOtherIncomeSource":"Fuente de otros ingresos","bloan.coOtherIncomePlaceholder":"Alquiler, pensi\xf3n alimenticia, etc.","bloan.coCardAssets":"Activos","bloan.coCardLiabilities":"Pasivos","bloan.coCardRealEstate":"Bienes inmuebles en propiedad","bloan.coFieldLiquidTotal":"Total l\xedquido ($) — cuenta corriente + ahorros","bloan.coFieldRetirementTotal":"Total de jubilaci\xf3n ($) — 401k + IRA","bloan.coAssetsNote":"Aqu\xed est\xe1n bien los valores aproximados. Su corredor verificar\xe1 los saldos exactos con los estados de cuenta.","bloan.coCardDeclarations":"Declaraciones de s\xed / no","bloan.coDeclJudgments":"\xbfExisten sentencias judiciales pendientes en su contra?","bloan.coDeclBankruptcy":"\xbfSe ha declarado en bancarrota en los \xfaltimos 7 a\xf1os?","bloan.coDeclLawsuit":"\xbfEs usted actualmente parte de una demanda?","bloan.coDeclFederalDebt":"\xbfEst\xe1 en mora con alguna deuda federal (impuestos, pr\xe9stamos estudiantiles)?","bloan.coAutoSaveAddName":"Agregue su nombre para activar el guardado autom\xe1tico","bloan.coSaving":"Guardando…","bloan.coSavedAt":"Guardado {when}","bloan.coSaveFailedRetry":"Fall\xf3 el guardado: toque Guardar para reintentar","bloan.coAutoSaving":"Guardando autom\xe1ticamente…","bloan.coUpToDate":"Actualizado","bloan.coUnsavedEditsSummary":"sus ediciones no guardadas en esta secci\xf3n","bloan.coSaveNow":"Guardar ahora","bloan.coAskVeraLabel":"Preg\xfantele a Breeze sobre cualquiera de estos campos","bloan.coYes":"S\xed","bloan.coNo":"No","bloan.docsNeededTitle":"Documentos que a\xfan debe proporcionar","bloan.docsNeededIntro":"Estos son los documentos que su oficial de pr\xe9stamos est\xe1 esperando. S\xfabalos aqu\xed o a trav\xe9s del centro de documentos en su panel. Cuanto antes los reciba, m\xe1s r\xe1pido avanza su pr\xe9stamo.","bloan.docsNeededAllCaughtUp":"Est\xe1 al d\xeda","bloan.docsNeededAllCaughtUpBody":"Su oficial de pr\xe9stamos 

1no necesita nada m\xe1s de usted por ahora. Le avisaremos si eso cambia.","bloan.docsNeededCountOne":"{count} documento solicitado","bloan.docsNeededCountMany":"{count} documentos solicitados","bloan.docsNeededLetterNeeded":"Se necesita carta","bloan.docsNeededUnderReview":"En revisi\xf3n","bloan.docsNeededDaysWaiting":"{days} d\xedas esperando","bloan.docsNeededRequestedOn":"Solicitado {date}","bloan.docsNeededFromSource":"De {source}","bloan.docsNeededUploadTitle":"\xbfNecesita subir algo?","bloan.docsNeededUploadBefore":"Use el","bloan.docsNeededDocumentCenter":"centro de documentos","bloan.docsNeededUploadAfter":"en su panel. Aceptamos PDF, fotos y la mayor\xeda de los formatos comunes. Los archivos se cifran en reposo.","bloan.discrepancyDob":"Fecha de nacimiento","bloan.discrepancyLastName":"Apellido","bloan.discrepancyMonthlyIncome":"Ingresos mensuales","bloan.docAcceptedToast":"Documento aceptado.","bloan.docAcceptFailedToast":"No se pudo aceptar.","bloan.docAcceptedRow":"{type} — aceptado","bloan.docDiscrepancyBadge":"{count} discrepancia","bloan.docFlagged":"Marcado","bloan.docSays":"el documento dice","bloan.doc1003Says":"el 1003 dice","bloan.docAccept":"Aceptar","bloan.docOverride":"Anular","bloan.docMoreFields":"+{count} m\xe1s","bloan.docBackToLoan":"Volver al pr\xe9stamo","bloan.docReviewEyebrow":"Revisi\xf3n de documentos","bloan.docBatchReconciliation":"Conciliaci\xf3n por lotes","bloan.docAllGoodSubtitle":"Todos los documentos se ven bien: no hay elementos de baja confianza ni discrepancias.","bloan.docNeedReviewSubtitle":"{count} documentos necesitan revisi\xf3n. Acepte para confirmar los datos o anule la categor\xeda detectada.","bloan.docStatNeedsReview":"Necesita revisi\xf3n","bloan.docStatDiscrepancies":"Discrepancias","bloan.docStatAccepted":"Aceptados","bloan.docAllGoodTitle":"Todos los documentos se ven bien","bloan.docAllGoodBody":"No se detectaron clasificaciones de baja confianza ni discrepancias de datos.","bloan.docBackToCenter":"Volver al centro de documentos","bloan.duBackToLoan":"← Pr\xe9stamo","bloan.duTitle":"Decisi\xf3n de suscripci\xf3n","bloan.duSubtitle":"Estos elementos provienen del suscriptor de su pr\xe9stamo. Completarlos hace avanzar su pr\xe9stamo hacia el cierre.","bloan.duNotReached":"Su pr\xe9stamo a\xfan no ha llegado a la suscripci\xf3n. Una vez que el suscriptor de su prestamista revise su archivo, esta p\xe1gina mostrar\xe1 lo que necesitan de usted.","bloan.duWhatThisMeans":"Qu\xe9 significa esto para usted","bloan.duWhatYouNeedToDo":"Qu\xe9 debe hacer","bloan.duNoActionItems":"A\xfan no hay elementos de acci\xf3n: su oficial de pr\xe9stamos est\xe1 revisando los resultados.","bloan.duDecisionInProgress":"Suscripci\xf3n en curso","bloan.duDecisionApprovedBadge":"Aprobado","bloan.duDecisionApprovedHeadline":"Su pr\xe9stamo va por buen camino","bloan.duDecisionReferBadge":"Revisi\xf3n manual","bloan.duDecisionReferHeadline":"Su pr\xe9stamo se est\xe1 revisando manualmente","bloan.duDecisionNeedsActionBadge":"Requiere acci\xf3n","bloan.duDecisionNeedsActionHeadline":"Su pr\xe9stamo necesita su atenci\xf3n","bloan.duWhyThisMatters":"Por qu\xe9 esto es importante","bloan.duWhatToDo":"Qu\xe9 hacer","bloan.duDueBy":"Fecha l\xedmite {date}","bloan.duOpenThisItem":"Abrir este elemento →","bloan.incomeMethodW2Salary":"Salario anual dividido entre 12. El caso m\xe1s simple: su salario completo cuenta como ingreso mensual calificable.","bloan.incomeMethodW2Hourly":"Tarifa por hora \xd7 horas por semana \xd7 semanas por a\xf1o \xf7 12. Las horas extra, los bonos y las comisiones tienen sus propias reglas de promedio y no se incluyen aqu\xed.","bloan.incomeMethodSelfEmployed":"Ingreso neto de sus \xfaltimas 2 declaraciones de impuestos promediadas (m\xe9todo Fannie Mae 1084). La ganancia del a\xf1o en curso es una verificaci\xf3n de coherencia; no eleva el ingreso calificable por encima del promedio de 2 a\xf1os.","bloan.incomeMethodRental":"Renta bruta \xd7 75% (el descuento est\xe1ndar por vacancia/mantenimiento) \xd7 su porcentaje de propiedad. El ingreso neto por alquiler compensa el PITI de la propiedad; si el PITI supera el 75% de la renta, la diferencia se convierte en un pasivo mensual.","bloan.incomeMethodRetirement":"Monto de la distribuci\xf3n mensual, pero solo si la continuidad es de al menos 36 meses desde la fecha del pagar\xe9. Las pensiones y los retiros de IRA y 401(k) se rigen por esta regla (Fannie B3-3.1-09).","bloan.incomeMethodMilitary":"Pago base + BAH (Asignaci\xf3n B\xe1sica para Vivienda) + BAS (Asignaci\xf3n B\xe1sica para Subsistencia) + otras asignaciones. Todas est\xe1n libres de impuestos y son elegibles para ajuste al alza (gross-up); consulte a su oficial de pr\xe9stamos sobre el factor 1.25\xd7.","bloan.incomeMethodOther":"Fuente de ingresos personalizada. El monto calificable depende de la frecuencia que usted proporcion\xf3 y de nuestras reglas est\xe1ndar de normalizaci\xf3n.","bloan.incomeTypeW2Salary":"Salario W-2","bloan.incomeTypeW2Hourly":"Por hora W-2","bloan.incomeTypeSelfEmployed":"Trabajador por cuenta propia","bloan.incomeTypeRental":"Propiedad de alquiler","bloan.incomeTypeRetirement":"Distribuci\xf3n de jubilaci\xf3n","bloan.incomeTypeMilitary":"Militar","bloan.incomeTypeOther":"Otros ingresos","bloan.incomeLoanNotFoundBody":"No pudimos encontrar el pr\xe9stamo que busca.","bloan.incomeTitle":"C\xf3mo se cuentan sus ingresos","bloan.incomeIntro":"El ingreso calificable para una hipoteca no siempre es igual a su cheque de pago bruto. Aqu\xed tiene un desglose l\xednea por l\xednea de c\xf3mo se calcula cada fuente para su pr\xe9stamo.","bloan.incomeTotalQualifying":"Ingreso mensual calificable total","bloan.incomeAcrossSourcesOne":"De {count} fuente de ingresos.","bloan.incomeAcrossSourcesMany":"De {count} fuentes de ingresos.","bloan.incomeNoSourcesTitle":"A\xfan no hay fuentes de ingresos estructuradas","bloan.incomeNoSourcesBody":"Su oficial de pr\xe9stamos a\xfan no ha agregado fuentes de ingresos estructuradas a su archivo. Es posible que est\xe9n usando directamente los totales de ingresos mensuales de su solicitud 1003. Una vez ingresadas las fuentes de ingresos, esta p\xe1gina mostrar\xe1 el desglose l\xednea por l\xednea.","bloan.incomePerMonth":"{amount}/mes","bloan.incomeCounted":"Contado","bloan.incomeIncomplete":"Incompleto","bloan.incomeCalculatorNote":"Nota de la calculadora:","bloan.incomeFooterQuestionTitle":"\xbfTiene una pregunta sobre alguna cifra?","bloan.incomeFooterQuestionBody":"Los c\xe1lculos aqu\xed siguen las pautas de suscripci\xf3n de Fannie Mae y Freddie Mac. Su oficial de pr\xe9stamos puede explicarle en detalle cualquier c\xe1lculo espec\xedfico.","bloan.incomeFooterDtiBody":"Estas cifras se usan para calcular su relaci\xf3n deuda-ingreso (DTI): el porcentaje de su ingreso mensual que se destina a pagos de deuda, incluida la nueva hipoteca. La mayor\xeda de los programas de pr\xe9stamo limitan el DTI entre el 43% y el 50%.","bloan.nocNotFoundTitle":"No encontrado","bloan.nocNotFoundBody":"Este aviso no existe o no tiene acceso.","bloan.nocBackToCd":"Volver a Closing Disclosure","bloan.nocTitle":"Aviso del Derecho a Cancelar","bloan.nocSubtitle":"Divulgaci\xf3n federal requerida por la Truth in Lending Act \xa71635.","bloan.nocNotIssued":"A\xfan no se ha emitido ning\xfan Aviso del Derecho a Cancelar para este pr\xe9stamo.","bloan.nocLatestVersion":"Versi\xf3n m\xe1s reciente","bloan.nocVersion":"Versi\xf3n {version}","bloan.nocIssuedOn":"Emitido {date}","bloan.nocTransactionDate":"Fecha de la transacci\xf3n","bloan.nocCancelByMidnight":"Cancelar antes de la medianoche","bloan.crPhaseSchedule":"Programar","bloan.crPhaseReview":"Revisar","bloan.crPhaseSign":"Firmar","bloan.crPhaseFund":"Desembolsar","bloan.crPhaseClose":"Cerrar","bloan.crFailedToLoad":"No se pudo cargar","bloan.crLoading":"Cargando su sala de cierre…","bloan.crCouldNotLoad":"No se pudo cargar la sala de cierre","bloan.crVeraAriaLabel":"Chat del d\xeda de cierre con Breeze","bloan.crAskVera":"Preg\xfantele a Breeze","bloan.crVeraSuggestPark":"\xbfD\xf3nde debo estacionarme?","bloan.crVeraSuggestArrive":"\xbfA qu\xe9 hora debo llegar?","bloan.crVeraSuggestCashToClose":"\xbfCu\xe1l es mi monto de efectivo para el cierre?","bloan.crVeraSuggestFundAfterSign":"\xbfCu\xe1ndo se desembolsar\xe1 mi pr\xe9stamo despu\xe9s de firmar?","bloan.crVeraSuggestDelays":"\xbfQu\xe9 pasa si algo retrasa el cierre?","bloan.crVeraSuggestWetDry":"\xbfQu\xe9 es un cierre h\xfamedo (wet close) frente a un cierre seco (dry close)?","bloan.crVeraWelcome":"Soy Breeze. Preg\xfanteme lo que sea sobre su cierre de hoy.","bloan.crEyebrow":"Sala de cierre","bloan.crWelcomeNewHome":"Bienvenido a su nuevo hogar","bloan.crWelcomeName":"Bienvenido, {name}","bloan.crDateNotSet":"Fecha a\xfan no fijada","bloan.crAskVeraAnchor":"Preg\xfantele a Breeze sobre su cierre →","bloan.crBannerPendingLabel":"Esperando la fecha de cierre","bloan.crBannerPendingDetail":"Su fecha de cierre aparecer\xe1 aqu\xed una vez que usted y su corredor la acuerden.","bloan.crBannerPastLabel":"Pr\xe9stamo cerrado","bloan.crBannerPastDetail":"Su fecha de cierre ya pas\xf3. Detalles del desembolso + registro a continuaci\xf3n.","bloan.crBannerTodayLabel":"Cierre hoy","bloan.crBannerTodayDetail":"Hoy es el d\xeda. La revisi\xf3n final + la firma se realizan ahora.","bloan.crBannerSoonLabelO

1ne":"{days} d\xeda para el cierre","bloan.crBannerSoonLabelMany":"{days} d\xedas para el cierre","bloan.crBannerSoonDetail":"\xdaltima vuelta: revise el paquete de cierre y prepare sus fondos.","bloan.crBannerNormalLabel":"{days} d\xedas para el cierre","bloan.crBannerNormalDetail":"Est\xe1 dentro del periodo de cierre. Use esta sala como su \xfanico punto de aterrizaje para todo lo relacionado con el cierre.","bloan.crStepPickDate":"1. Elija su fecha de cierre","bloan.crStepReviewCd":"2. Revise la Closing Disclosure","bloan.crOpenItemsOne":"{count} elemento a\xfan necesita atenci\xf3n","bloan.crOpenItemsMany":"{count} elementos a\xfan necesitan atenci\xf3n","bloan.crOpenItemsBody":"Su suscriptor tiene solicitudes pendientes. Resu\xe9lvalas antes del d\xeda del cierre para que la firma no se retrase.","bloan.crViewOpenItems":"Ver elementos pendientes","bloan.crStepSign":"3. Firme el paquete de cierre","bloan.crSignNotOpenTitle":"La firma a\xfan no est\xe1 disponible","bloan.crSignNotOpenReady":"Su corredor est\xe1 preparando el paquete de cierre. Le enviaremos un correo electr\xf3nico y una notificaci\xf3n en el momento en que est\xe9 listo para firmar.","bloan.crSignNotOpenWaiting":"Primero debe revisarse su Closing Disclosure. Una vez que haya pasado el periodo de espera de 3 d\xedas h\xe1biles, se abre la firma.","bloan.crSignedTitle":"Firmado: \xa1buen trabajo!","bloan.crSignedBody":"Firmado el {when}. El desembolso comienza a continuaci\xf3n.","bloan.crSignDeclinedTitle":"Se rechaz\xf3 la firma","bloan.crSignDeclinedBody":"Comun\xedquese con su corredor: puede volver a abrir el sobre despu\xe9s de resolver sus inquietudes.","bloan.crReadyToSignTitle":"Listo para firmar","bloan.crReadyToSignBody":"Reserve de 15 a 30 minutos: el paquete de cierre consta de varios documentos (pagar\xe9, escritura, divulgaciones).","bloan.crOpenSigningPortal":"Abrir portal de firma","bloan.crStepNotary":"3a. Programe su notario","bloan.crNeedHelp":"\xbfNecesita ayuda?","bloan.crNeedHelpBody":"Los d\xedas de cierre tienen muchas partes en movimiento: t\xedtulo, prestamista, notario, sus fondos. Comun\xedquese y coordinaremos todo.","bloan.crContactBroker":"Comun\xedquese con su corredor","bdocs.required":"Obligatorio","bdocs.pendingUpload":"Carga pendiente","bdocs.whatIsThis":"\xbfQu\xe9 es esto?","bdocs.whatIsThisPrompt":'Necesito subir "{name}" pero no estoy seguro de qu\xe9 es exactamente ni c\xf3mo conseguirlo. Expl\xedcame qu\xe9 es este documento, por qu\xe9 se necesita para mi pr\xe9stamo y d\xf3nde puedo encontrarlo o solicitarlo.',"bdocs.upload":"Subir","bdocs.backToDashboard":"Volver al panel","bdocs.documentCenter":"Centro de documentos","bdocs.headerTitle":"Todos los documentos de tu pr\xe9stamo en un solo lugar","bdocs.headerSubtitle":"Sube recibos de pago, declaraciones de impuestos, estados de cuenta bancarios e identificaci\xf3n. Aplicamos OCR a todo y enviamos cada archivo al lugar correcto: no tienes que etiquetar nada.","bdocs.offlineBanner":"Est\xe1s sin conexi\xf3n. Mostrando tu \xfaltima lista de documentos guardada; las cargas est\xe1n en pausa.","bdocs.cachedFrom":"En cach\xe9 desde {date}","bdocs.verified":"Verificado","bdocs.uploaded":"Subido","bdocs.pending":"Pendiente","bdocs.fileCountOne":"{count} archivo","bdocs.fileCountMany":"{count} archivos","bdocs.totalDocs":"Total de documentos","bdocs.documentCollection":"Recopilaci\xf3n de documentos","bdocs.collectedCount":"{collected} de {total} recopilados","bdocs.smartUpload":"Carga inteligente","bdocs.smartUploadSubtitle":"Suelta cualquier archivo: identificamos qu\xe9 es y d\xf3nde va.","bdocs.stillNeeded":"A\xfan se necesita ({count})","bdocs.uploadToClear":"Sube un archivo para completar cada l\xednea.","bdocs.submitted":"Enviado ({count})","bdocs.reviewDiscrepancies":"Revisar discrepancias →","bdocs.emptyTitle":"A\xfan no se han subido documentos","bdocs.emptyDescription":"Suelta un archivo en la zona de carga inteligente de arriba. Lo clasificaremos autom\xe1ticamente y lo enviaremos al lugar correcto.","bdocs.readyToSubmit":"Listo para enviar","bdocs.requiredRemainingOne":"Queda {count} elemento obligatorio","bdocs.requiredRemainingMany":"Quedan {count} elementos obligatorios","bdocs.submitHeadingReady":"Env\xeda tu expediente para revisi\xf3n","bdocs.submitHeadingAlmost":"Ya casi","bdocs.submitBodyReady":"Una vez que env\xedes, tu oficial de pr\xe9stamos revisa tu expediente y lo presenta a tu prestamista.","bdocs.submitBodyAlmost":"Sube los elementos obligatorios restantes de arriba. El bot\xf3n se desbloquea autom\xe1ticamente cuando termines.","bdocs.submitting":"Enviando…","bdocs.submitApplication":"Env

1iar solicitud","bdocs.askVeraLabel":"Preg\xfantale a Breeze qu\xe9 documentos a\xfan necesitas","bdocs.askVeraPrompt":"Ay\xfadame a entender qu\xe9 documentos a\xfan necesito subir y para qu\xe9 sirve cada uno.","bdocs.mismatchTitle":"Posible discrepancia detectada","bdocs.proceedAnyway":"Continuar de todos modos","bdocs.fieldFile":"Archivo","bdocs.fieldTargeting":"Destino","bdocs.fieldDetected":"Detectado","bdocs.reviewing":"Revisando","bdocs.noFilesUploaded":"No se subieron archivos","bdocs.toastScanning":"Escaneando {count} documentos...","bdocs.toastProcessedOne":"Se proces\xf3 {count} documento correctamente.","bdocs.toastProcessedMany":"Se procesaron {count} documentos correctamente.","bdocs.toastUnidentified":"No se pudieron identificar los archivos subidos. S\xfabelos manualmente a una categor\xeda espec\xedfica.","bdocs.toastAnalyzing":"Analizando documento...","bdocs.toastUploadSuccess":"Documento subido correctamente.","bdocs.toastUploadError":"Error al procesar el documento.","bdocs.toastUploadCancelled":"Carga cancelada","bdocs.toastSubmitFailed":"No se pudo enviar la solicitud. Int\xe9ntalo de nuevo.","bdocs.documentFallback":"Documento","bdocs.issueTypeMismatch":"Esto parece ser un {detected} (confianza del {confidence}%), pero lo est\xe1s subiendo a {target}.","bdocs.issueLastNameMissing":'No se encontr\xf3 el apellido del prestatario "{lastName}" en el documento.',"bdocs.issueDobMismatch":"Discrepancia de fecha de nacimiento: la solicitud indica {appDob}, esta identificaci\xf3n indica {idDob}.","bdocs.issueIncomeMismatch":"Discrepancia de ingresos: el recibo de pago indica ~${detected}/mes, pero la solicitud indica ${reported}/mes.","bdocs.esignStatusSent":"Enviado — esperando firma","bdocs.esignStatusViewed":"Visto — esperando firma","bdocs.esignStatusSigned":"Firmado","bdocs.esignStatusDeclined":"Rechazado","bdocs.esignStatusExpired":"Vencido","bdocs.esignStatusVoided":"Anulado","bdocs.esignStatusFailed":"Fall\xf3","bdocs.esignFrameSubtitle":"Sobre de firma electr\xf3nica","bdocs.esignMissingEnvelopeTitle":"Falta el id del sobre","bdocs.esignMissingEnvelopeBody":"No se proporcion\xf3 ning\xfan id de sobre. A esta p\xe1gina se llega a trav\xe9s de la URL de firma electr\xf3nica de prueba (stub); si llegaste aqu\xed directamente, ese es el problema.","bdocs.esignSignInTitle":"Inicia sesi\xf3n para continuar","bdocs.esignSignInBody":"Debes iniciar sesi\xf3n para ver este sobre de firma.","bdocs.esignBorrowerSignIn":"Inicio de sesi\xf3n del prestatario","bdocs.esignStaffSignIn":"Inicio de sesi\xf3n de corredor / oficial de pr\xe9stamos / administrador","bdocs.esignForbiddenTitle":"Prohibido","bdocs.esignForbiddenBody":"No tienes acceso a este sobre de firma.","bdocs.esignStubTitle":"Sobre de firma electr\xf3nica de prueba (stub)","bdocs.esignStubProviderHeading":"Proveedor de prueba (stub) — solo para desarrollo","bdocs.esignStubProviderBody":'En producci\xf3n, esta superficie se reemplaza por Dropbox Sign / DocuSign / DocMagic eSign una vez que se selecciona un proveedor. Al hacer clic en "Firmar" abajo se dispara un evento de webhook envelope.signed para que la etiqueta de la interfaz del corredor cambie a Firmado, el mismo flujo de datos que usar\xe1n los adaptadores reales.',"bdocs.esignProvider":"Proveedor","bdocs.esignSigner":"Firmante","bdocs.esignSent":"Enviado","bdocs.esignStatus":"Estado","bdocs.esignSignedAt":"Firmado el","bdocs.esignBackDisclosures":"← Volver a tus divulgaciones","bdocs.esignBackBrokerLoan":"← Volver a la vista del pr\xe9stamo del corredor","bdocs.recordingSignature":"Registrando firma…","bdocs.signEnvelopeStub":"Firmar sobre (stub)","bdocs.fillSubmitFailed":"Error al enviar ({status})","bdocs.fillNetworkError":"Error de red","bdocs.fillDoneTitle":"\xa1Todo listo, {name}!","bdocs.fillDoneBody":"Se ha notificado a {brokerName}. Se pondr\xe1 en contacto contigo en breve.","bdocs.fillGreeting":"Hola {name} \uD83D\uDC4B","bdocs.fillIntro":"{brokerName} necesita algunos datos para que tu pr\xe9stamo siga avanzando:","bdocs.fillLoanAmount":"Monto del pr\xe9stamo","bdocs.fillLoanAmountHint":"Cu\xe1nto quieres pedir prestado.","bdocs.fillLoanAmountPlaceholder":"p. ej. 450,000","bdocs.fillPropertyValue":"Valor de la propiedad","bdocs.fillPropertyValueHint":"Mejor estimaci\xf3n de cu\xe1nto vale la vivienda.","bdocs.fillPropertyValuePlaceholder":"p. ej. 600,000","bdocs.fillOccupancy":"\xbfC\xf3mo usar\xe1s esta propiedad?","bdocs.fillSelect":"Seleccionar…","bdocs.fillOccupancyPrimary":"Vivienda principal (donde vivir\xe9)","bdocs.fillOccupancySecond":"Segunda vivienda / vacaciones","bdocs.fillOccupancyInvestment":"Inversi\xf3n / alquiler","bdocs.fillLoanPurpose":"Prop\xf3sito del pr\xe9stamo","bdocs.fillPurposePurchase":"Comprar una vivienda nueva","bdocs.fillPurposeRefinance":"Refinanciar mi pr\xe9stamo actual","bdocs.fillPropertyType":"Tipo de propiedad","bdocs.fillTypeSingleFamily":"Casa unifamiliar","bdocs.fillTypeCondo":"Condominio","bdocs.fillTypeTownhouse":"Casa adosada","bdocs.fillTypeMultiFamily":"2-4 unidades (multifamiliar)","bdocs.fillTypeManufactured":"Vivienda prefabricada","bdocs.fillEmail"

1:"Correo electr\xf3nico","bdocs.fillEmailHint":"Para que tu oficial de pr\xe9stamos pueda comunicarse contigo.","bdocs.fillEmailPlaceholder":"[email protected]","bdocs.fillSending":"Enviando…","bdocs.fillSendToLO":"Enviar a mi oficial de pr\xe9stamos","bdocs.fillPrivacyNote":"Solo compartiremos estos datos con tu oficial de pr\xe9stamos.","bdocs.fillLinkNotFoundTitle":"Enlace no encontrado","bdocs.fillLinkNotFoundBody":"Este enlace no es v\xe1lido o ha sido eliminado. Si crees que es un error, comun\xedcate con tu oficial de pr\xe9stamos.","bdocs.fillLinkExpiredTitle":"Enlace vencido","bdocs.fillLinkExpiredBody":"Este enlace ha vencido. Comun\xedcate con tu oficial de pr\xe9stamos para obtener uno nuevo.","bdocs.fillAlreadySubmittedTitle":"Ya enviado","bdocs.fillAlreadySubmittedBody":"Gracias: ya recibimos tu informaci\xf3n. Se ha notificado a tu oficial de pr\xe9stamos.","bdocs.fillBrokerFallback":"Tu oficial de pr\xe9stamos","bdocs.fillBorrowerFallback":"hola","bdocs.preApprovalEyebrow":"Preaprobaci\xf3n","bdocs.preApprovalHonestTitle":"Tu preaprobaci\xf3n","bdocs.preApprovalHonestSubtitle":"Tu carta oficial de preaprobaci\xf3n proviene del prestamista, no de una estimaci\xf3n automatizada. Tu oficial de pr\xe9stamos la prepara y la comparte contigo una vez que tu expediente est\xe9 listo.","bdocs.preApprovalHowItWorks":"C\xf3mo funciona","bdocs.preApprovalLenderIssues":"El prestamista emite tu preaprobaci\xf3n","bdocs.preApprovalHonestPara1":"Una preaprobaci\xf3n real refleja precios sobre los que realmente puedes actuar. Esos n\xfameros —tu tasa, tu pago y el monto del pr\xe9stamo— los establece el prestamista despu\xe9s de revisar tu solicitud, no una estimaci\xf3n en esta pantalla.","bdocs.preApprovalHonestPara2":"Tu oficial de pr\xe9stamos re\xfane tu expediente, te consigue un precio seg\xfan tu escenario real y comparte la carta oficial de preaprobaci\xf3n que puedes entregar a vendedores y agentes. Comun\xedcate y la pondr\xe1n en marcha.","bdocs.preApprovalWhatYouGet":"Lo que recibir\xe1s","bdocs.preApprovalGetItem1":"Una carta emitida por el prestamista que puedes compartir al hacer ofertas.","bdocs.preApprovalGetItem2":"Precios revisados seg\xfan tu cr\xe9dito, ingresos y bienes reales.","bdocs.preApprovalGetItem3":"Un oficial de pr\xe9stamos que te explica los n\xfameros.","bdocs.preApprovalTalkToLO":"Habla con tu oficial de pr\xe9stamos","bdocs.preApprovalTalkToLOBody":"Tu oficial de pr\xe9stamos preparar\xe1 tu preaprobaci\xf3n oficial y la compartir\xe1 contigo.","bdocs.preApprovalMessageLO":"Env\xeda un mensaje a tu oficial de pr\xe9stamos","bdocs.preApprovalReadyEyebrow":"Tu preaprobaci\xf3n est\xe1 lista","bdocs.preApprovalLetterTitle":"Tu carta de preaprobaci\xf3n","bdocs.preApprovalLetterSubtitle":"Tu oficial de pr\xe9stamos comparti\xf3 la preaprobaci\xf3n oficial de tu prestamista. \xc1brela abajo y luego entr\xe9gala a vendedores y agentes cuando hagas una oferta.","bdocs.preApprovalLenderIssuedLabel":"Emitido por el prestamista","bdocs.preApprovalLetterFallback":"Carta de preaprobaci\xf3n","bdocs.preApprovalLetterBody":"Esta es tu preaprobaci\xf3n real, emitida por el prestamista, preparada y compartida por tu oficial de pr\xe9stamos. Cada n\xfamero que contiene refleja precios sobre los que realmente puedes actuar.","bdocs.preApprovalFileFallback":"Pre-approval.pdf","bdocs.preApprovalShared":"Compartido {date}","bdocs.preApprovalOpenError":"No pudimos abrir el archivo ({error}). Int\xe9ntalo de nuevo en un momento o env\xeda un mensaje a tu oficial de pr\xe9stamos.","bdocs.preApprovalLoading":"Cargando…","bdocs.preApprovalView":"Ver preaprobaci\xf3n","bdocs.download":"Descargar","bdocs.preApprovalQuestions":"\xbfPreguntas sobre tu preaprobaci\xf3n?","bdocs.preApprovalQuestionsBody":"Tu oficial de pr\xe9stamos puede explicarte los n\xfameros y los pr\xf3ximos pasos.","bdocs.preApprovalRealThing":"Lo aut\xe9ntico","bdocs.preApprovalRealThingBody":"Esta carta proviene directamente de tu prestamista. Los vendedores y los agentes de venta la reconocen como prueba de que puedes cerrar la operaci\xf3n.","bset.allSettings":"Toda la configuraci\xf3n","bset.hubTitle":"Configuraci\xf3n","bset.hubSubtitle":"Administra tu cuenta y preferencias.","bset.sectionProfileTitle":"Perfil","bset.sectionProfileDesc":"Nombre, correo electr\xf3nico y n\xfamero de tel\xe9fono","bset.sectionSecurityTitle":"Seguridad","b

1set.sectionSecurityDesc":"Contrase\xf1a, 2FA, claves de acceso y preguntas de seguridad","bset.sectionNotificationsTitle":"Notificaciones","bset.sectionNotificationsDesc":"C\xf3mo y cu\xe1ndo te informamos sobre tu pr\xe9stamo","bset.sectionAppearanceTitle":"Apariencia","bset.sectionAppearanceDesc":"Tema y color","bset.sectionConnectionsTitle":"Conexiones","bset.sectionConnectionsDesc":"Cuentas bancarias y servicios vinculados","bset.sectionPrivacyTitle":"Privacidad y datos","bset.sectionPrivacyDesc":"Descarga o elimina tus datos (CCPA / GDPR)","bset.privacyTitle":"Privacidad y datos","bset.privacyDescription":"Conforme a la CCPA de California y al GDPR, tienes derecho a ver, exportar o eliminar tus datos. Usa los controles a continuaci\xf3n.","bset.privacyRetentionNote":"Responderemos en un plazo de 45 d\xedas. Algunos datos son obligatorios para el mantenimiento de registros federales (HMDA, BSA / OFAC, Reg B / ECOA, FCRA) y deben conservarse incluso despu\xe9s de eliminar tus preferencias personales. Te indicaremos qu\xe9 campos est\xe1n sujetos a esa conservaci\xf3n cuando procesemos tu solicitud.","bset.appearanceTitle":"Apariencia","bset.appearanceDescription":"Ajusta c\xf3mo se ve el portal.","bset.themeTitle":"Tema","bset.themeDescription":"Elige claro, medianoche o negro puro.","bset.themeLight":"Claro","bset.themeMidnight":"Medianoche","bset.themeTrueBlack":"Negro puro","bset.accentColorTitle":"Color de acento","bset.accentColorDescription":"Se usa en botones, enlaces y elementos destacados.","bset.accentColorAria":"Color de acento {name}","bset.colorIndigo":"\xcdndigo","bset.colorOcean":"Oc\xe9ano","bset.colorForest":"Bosque","bset.colorSunset":"Atardecer","bset.colorLavender":"Lavanda","bset.connectionsTitle":"Conexiones","bset.connectionsDescription":"Cuentas bancarias y otros servicios conectados a tu pr\xe9stamo.","bset.bankAccountPlaid":"Cuenta bancaria (Plaid)","bset.bankAccountDescription":"Completa autom\xe1ticamente tus saldos bancarios y estados de cuenta en tu 1003. Puedes desconectarla en cualquier momento; al desconectarla tambi\xe9n se eliminan los datos que almacenamos en cach\xe9 de Plaid.","bset.loading":"Cargando…","bset.startApplicationToConnect":"Inicia una solicitud para conectar un banco.","bset.bankConnected":"Banco conectado","bset.bankConnectedNamed":"Banco conectado — {name}","bset.noBankConnected":"No hay ning\xfan banco conectado. Puedes vincular uno desde la secci\xf3n de Activos de tu solicitud.","bset.productAssetReport":"Informe de activos","bset.productAssetReportPending":"Obteniendo 2 a\xf1os de saldos…","bset.productIncomeVerification":"Verificaci\xf3n de ingresos","bset.productIncomePending":"Analizando dep\xf3sitos directos…","bset.productConsumerReport":"Informe del consumidor","bset.productConsumerPending":"Generando se\xf1ales de flujo de efectivo…","bset.productReady":"Listo","bset.productFailed":"Error — comun\xedcate con tu oficial de pr\xe9stamos","bset.profileTitle":"Perfil","bset.profileDescription":"Tu nombre y datos de contacto en el pr\xe9stamo.","bset.profileLoadError":"No se pudo cargar tu perfil.","bset.personalInformation":"Informaci\xf3n personal","bset.personalInformationDesc":"Se guarda autom\xe1ticamente mientras escribes. Se usa en tu solicitud 1003 y en las divulgaciones.","bset.fieldFirstName":"Nombre","bset.fieldMiddleName":"Segundo nombre","bset.fieldLastName":"Apellido","bset.fieldEmail":"Correo electr\xf3nico","bset.fieldEmailHelp":"Los cambios de correo electr\xf3nico requieren verificaci\xf3n — comun\xedcate con soporte.","bset.fieldPhone":"Tel\xe9fono","bset.unsavedProfileEdits":"tus cambios de perfil sin guardar","bset.saveFailed":"Error al guardar.","bset.saving":"Guardando…","bset.saveNow":"Guardar ahora","bset.savedAt":"Guardado {time}","bset.saveFailedRetry":"Error al guardar — toca Guardar para reintentar","bset.autoSaving":"Guardando autom\xe1ticamente…","bset.upToDate":"Actualizado","bset.securityTitle":"Seguridad","bset.securityDescription":"Protege tu cuenta.","bset.twoFactorTitle":"Autenticaci\xf3n de dos factores","bset.twoFactorDescription":"Agrega un c\xf3digo de aplicaci\xf3n de autenticaci\xf3n adem\xe1s de tu contrase\xf1a.","bset.passkeysTitle":"Claves de acceso","bset.passkeysDescription":"Inicia sesi\xf3n con tu huella digital, rostro o PIN del dispositivo — resistente al phishing y recomendado.","bset.securityQuestionsTitle":"Preguntas de seguridad","b

1set.securityQuestionsDescription":"Se usan como respaldo cuando inicias sesi\xf3n desde un dispositivo nuevo.","bset.recentSignInsTitle":"Inicios de sesi\xf3n recientes","bset.recentSignInsDescription":"Dispositivos que han iniciado sesi\xf3n en tu cuenta. Si no reconoces alguno, cambia tu contrase\xf1a.","bset.passwordTitle":"Contrase\xf1a","bset.passwordDescription":"Cambiar tu contrase\xf1a cierra la sesi\xf3n en otros dispositivos.","bset.passwordTooShort":"La nueva contrase\xf1a debe tener al menos 8 caracteres.","bset.passwordsDoNotMatch":"Las nuevas contrase\xf1as no coinciden.","bset.passwordChangeError":"No se pudo cambiar la contrase\xf1a.","bset.currentPassword":"Contrase\xf1a actual","bset.newPassword":"Nueva contrase\xf1a","bset.confirmNewPassword":"Confirmar nueva contrase\xf1a","bset.passwordUpdated":"Contrase\xf1a actualizada.","bset.changePassword":"Cambiar contrase\xf1a","bset.cancel":"Cancelar","bset.twoFactorEnabled":"La 2FA est\xe1 activada.","bset.disableTwoFactor":"Desactivar 2FA","bset.disableTwoFactorWarning":"Desactivar la 2FA significa que tu cuenta depender\xe1 \xfanicamente de tu contrase\xf1a y los c\xf3digos por correo electr\xf3nico. \xbfEst\xe1s seguro?","bset.disabling":"Desactivando…","bset.confirmDisableTwoFactor":"S\xed, desactivar 2FA","bset.loadingShort":"Cargando…","bset.setUpTwoFactor":"Configurar 2FA","bset.scanWithAuthenticator":"Escanea con Google Authenticator, Authy o 1Password.","bset.twoFactorQrAlt":"C\xf3digo QR de 2FA","bset.manualKeyLabel":"Clave manual:","bset.sixDigitCode":"C\xf3digo de 6 d\xedgitos","bset.authenticatorCodeAria":"C\xf3digo de 6 d\xedgitos del autenticador","bset.verifyAndEnable":"Verificar y activar","bset.notificationsTitle":"Notificaciones","bset.notificationsDescription":"Elige c\xf3mo te informamos sobre tu pr\xe9stamo.","bset.channelsTitle":"Canales","bset.savesAutomatically":"Se guarda autom\xe1ticamente.","bset.emailLabel":"Correo electr\xf3nico","bset.emailDescription":"Actualizaciones de estado, solicitudes de documentos e hitos.","bset.smsLabel":"SMS","bset.smsDescription":"Solo alertas urgentes — confirmaciones de bloqueo de tasa y solicitudes de firma.","bset.prefsLoadError":"No se pudieron cargar las preferencias.","bset.condPrefsLoadError":"No se pudieron cargar las preferencias de condiciones.","bset.saveFailedToggleReverted":"Error al guardar — se revirti\xf3 el interruptor.","bset.saveFailedTryAgain":"Error al guardar — int\xe9ntalo de nuevo.","bset.saveFailedShort":"Error al guardar","bset.conditionNotificationsTitle":"Notificaciones de condiciones","bset.conditionNotificationsDescription":"Elige qu\xe9 alertas se activan cuando tu oficial de pr\xe9stamos agrega o actualiza condiciones. Los canales que tu oficial de pr\xe9stamos no ha habilitado se muestran atenuados.","bset.condNewEmailLabel":"Correo electr\xf3nico de nueva condici\xf3n","bset.condNewEmailDesc":"Cuando se agregan nuevas condiciones a tu pr\xe9stamo","bset.condWeeklyDigestLabel":"Resumen semanal","bset.condWeeklyDigestDesc":"Resumen del domingo de los elementos pendientes","bset.condStaleReminderLabel":"Recordatorio de condici\xf3n inactiva","bset.condStaleReminderDesc":"Un aviso a los 7 d\xedas cuando una condici\xf3n no ha tenido actividad","bset.condInAppToastLabel":"Aviso en la app en tu pr\xf3xima visita","bset.condInAppToastDesc":"Cantidad de elementos nuevos que se muestra al abrir el portal","bset.condPushLabel":"Notificaci\xf3n push","bset.condPushDesc":"Push de PWA (la app debe estar instalada)","bset.noLoanAssigned":"A\xfan no se ha asignado ning\xfan pr\xe9stamo — tus preferencias se guardan y entrar\xe1n en vigor una vez que tu oficial de pr\xe9stamos est\xe9 conectado.","bset.voiceAccessibilityTitle":"Voz y accesibilidad","bset.voiceAccessibilityDescription":"Controla c\xf3mo Breeze interact\xfaa contigo usando tu voz.","bset.voiceInputLabel":"Entrada de voz — d\xe9jame dictar preguntas a Breeze","bset.voiceInputDescription":"Usa el micr\xf3fono de tu navegador. Se requiere compatibilidad del navegador.","bset.voiceOutputLabel":"Salida de voz — leer en voz alta las respuestas de Breeze","bset.voiceOutputDescription":"Aparece un bot\xf3n de reproducci\xf3n junto a cada mensaje de Breeze.","bset.channelNotEnabledTooltip":"Tu oficial de pr\xe9stamos 

1no ha habilitado este canal","bset.notEnabledByLoanOfficer":"No habilitado por tu oficial de pr\xe9stamos","binfo.resGuidesTitle":"Gu\xedas pr\xe1cticas","binfo.resGuidesDesc":"Informaci\xf3n paso a paso sobre c\xf3mo comprar una casa, conseguir las mejores tasas y mejorar tu cr\xe9dito r\xe1pidamente.","binfo.resChecklistTitle":"Lista de documentos","binfo.resChecklistDesc":"No te quedes sin preparaci\xf3n. Exactamente qu\xe9 registros financieros precisos necesitas para una aprobaci\xf3n instant\xe1nea.","binfo.resGlossaryTitle":"Glosario de hipotecas","binfo.resGlossaryDesc":"Descifrando la jerga compleja del sector. Definiciones clar\xedsimas de t\xe9rminos como Amortizaci\xf3n y Dep\xf3sito en garant\xeda (Escrow).","binfo.faqDownPaymentQ":"\xbfCu\xe1nto necesito para el pago inicial?","binfo.faqDownPaymentA":"Depende del tipo de pr\xe9stamo. Los pr\xe9stamos FHA requieren tan solo un 3.5%, los pr\xe9stamos convencionales normalmente entre 3 y 5%, y los pr\xe9stamos VA / USDA pueden ser de 0% de pago inicial para prestatarios elegibles. Tu corredor te explicar\xe1 las ventajas y desventajas seg\xfan tu situaci\xf3n.","binfo.faqCreditScoreQ":"\xbfQu\xe9 puntaje de cr\xe9dito necesito para que me aprueben?","binfo.faqCreditScoreA":"La mayor\xeda de los prestamistas convencionales quieren un puntaje de 620 o m\xe1s. Los pr\xe9stamos FHA aceptan puntajes de hasta 580 (o menores con un pago inicial mayor y factores compensatorios). Los puntajes m\xe1s altos desbloquean mejores tasas — apunta a 740 o m\xe1s para alcanzar el mejor nivel de precios.","binfo.faqProcessTimeQ":"\xbfCu\xe1nto tiempo tarda todo el proceso?","binfo.faqProcessTimeA":"Desde la solicitud hasta el desembolso, la mayor\xeda de las compras se cierran en 30–45 d\xedas. El factor m\xe1s variable es la rapidez con que llegan los documentos — tener todo listo desde el primer d\xeda puede reducir una semana o m\xe1s del plazo.","binfo.faqRateLockQ":"\xbfCu\xe1ndo debo bloquear mi tasa de inter\xe9s?","binfo.faqRateLockA":"Las tasas cambian a diario. Una vez que tengas una oferta aceptada y un pago con el que puedas vivir, bloquear suele ser lo correcto — elimina el riesgo de que las tasas suban en tu contra mientras tu expediente est\xe1 en suscripci\xf3n (underwriting). Tu corredor te asesorar\xe1 sobre el momento adecuado.","binfo.learningCenter":"Centro de aprendizaje","binfo.heroTitlePrefix":"El conocimiento es","binfo.heroTitleHighlight":"poder","binfo.heroSubtitle":"Gu\xedas, definiciones y listas de verificaci\xf3n para ayudarte a entender tu pr\xe9stamo desde el inicio hasta el cierre.","binfo.open":"Abrir","binfo.commonQuestions":"Preguntas frecuentes","binfo.checklistTitle":"Lista de documentos","binfo.checklistSubtitle":"Reunir los documentos correctos desde el principio puede acelerar tu proceso de pr\xe9stamo en semanas. Esto es lo que normalmente necesitar\xe1s.","binfo.proTip":"Consejo profesional","binfo.proTipBody":"Puedes subir estos documentos directamente en tu panel una vez que inicies tu solicitud. Nuestro portal seguro facilita enviar todo desde tu tel\xe9fono o computadora.","binfo.glossarySubtitle":"Descifrando el lenguaje de los pr\xe9stamos.","binfo.glossarySearchPlaceholder":"Buscar t\xe9rminos...","binfo.glossarySearchAria":"Buscar t\xe9rminos de hipotecas","binfo.glossaryRegionAria":"T\xe9rminos del glosario","binfo.glossaryNoResults":"No se encontraron t\xe9rminos que coincidan con “{search}”","binfo.glossaryTermsStartingWith":"T\xe9rminos que empiezan con {letter}","binfo.backToResources":"Volver a recursos","binfo.readyNextStep":"\xbfListo para dar el siguiente paso?","binfo.glossaryEyebrow":"Glosario","binfo.glossaryPlainTitle":"T\xe9rminos de hipotecas en lenguaje sencillo","binfo.glossaryPlainSubtitle":"{count} t\xe9rminos que ver\xe1s en los documentos de tu pr\xe9stamo. Busca uno espec\xedfico o despl\xe1zate por la lista completa.","binfo.backToDashboard":"Volver al panel","binfo.helpEyebrow":"Ayuda y recorrido","binfo.helpTitle":"Todo lo que necesitas saber","binfo.helpSubtitle":"Una gu\xeda en lenguaje sencillo de cada p\xe1gina de tu portal del prestatario. Usa la tabla de contenidos a continuaci\xf3n para saltar entre secciones, o despl\xe1zate para ver el recorrido completo.","binfo.watchTheTour":"Ver el recorrido","binfo.tableOfContents":"Tabla de contenidos","binfo.tocDashboard":"Panel","binfo.tocLoanStatusPanel":"Panel de estado del pr\xe9stamo","binfo.tocUploadingDocuments":"Subir documentos","binfo.toc1003Application":"La solicitud 1003","binfo.tocPricingRateLocks":"Precios y bloqueos de tasa","binfo.tocAccountSecurity":"Seguridad de la cuenta","binfo.tocNotificationsPreferences":"Notificaciones y preferencias","binfo.tocContactingBroker":"Contactar a tu corredor","binfo.tocTroubleshooting":"Soluci\xf3n de problemas","binfo.secDashboardTitle":"Tu panel","binfo.secStatusTitle":"Panel de estado del pr\xe9stamo","binfo.secDocumentsTitle":"Subir documentos","binfo.sec1003Title":"La solicitud 1003","binfo.secPricingTitle":"Precios y bloqueos de tasa","binfo.secSecurityTitle":"Seguridad de la cuenta","binfo.secSettingsTitle":"Notificaciones y preferencias","binfo.secContactTitle":"Contactar a tu corredor","binfo.secTroubleshootTitle":"Soluci\xf3n de problemas","binfo.stillStuck":"\xbfTodav\xeda atascado?","binfo.startSpotlightTour":"Iniciar recorrido guiado","binfo.welcome":"Bienvenido","binfo.welcomeName":"Bienvenido, {name}","binfo.getStartedSubtitle":"\xbfListo para iniciar tu solicitud de pr\xe9stamo? Puedes empezar ahora o volver cuando est\xe9s listo.","binfo.recommended":"Recomendado","binfo.begin1003":"Iniciar solicitud 1003","binfo.begin1003Desc":"Completa tu solicitud de pr\xe9stamo paso a paso. Guarda y contin\xfaa en cualquier momento.","binfo.startApplication":"Iniciar solicitud","binfo.skipForNow":"Omitir por ahora","binfo.skipForNowDesc":"Ll\xe9vame a mi panel. Volver\xe9 a la solicitud m\xe1s tarde.","binfo.skipToDashboard":"Saltar al panel","binfo.securePrivate":"Seguro y privado","binfo.securePrivateDesc":"El cifrado de nivel bancario mantiene seguros tus datos personales.","binfo.saveProgress":"Guarda tu progreso","binfo.saveProgressDesc":"Empieza ahora y termina m\xe1s tarde. Guardamos tu trabajo autom\xe1ticamente.","binfo.fastPreApproval":"Preaprobaci\xf3n r\xe1pida","binfo.fastPreApprovalDesc":"Obt\xe9n una decisi\xf3n en minutos, no en d\xedas.","binfo.invalidInviteTitle":"Enlace de invitaci\xf3n no v\xe1lido","binfo.invalidInviteBody":"El enlace de referencia que seguiste no es v\xe1lido o ha expirado. A\xfan puedes crear una cuenta o iniciar sesi\xf3n a continuaci\xf3n.","binfo.createAccount":"Crear una cuenta","binfo.heroLine1":"Tu hipoteca, explicada.","binfo.heroLine2":"Tu expediente, protegido.","binfo.startHeroSubtitle":"Dos minutos para empezar. Sin cuenta al inicio, sin consulta de cr\xe9dito y sin SSN ni documentos de ingresos hasta que decidas guardar.","binfo.startMyApplication":"Iniciar mi solicitud","binfo.noCreditPull":"Sin consulta de cr\xe9dito \xb7 Sin compromiso \xb7 ~2 min","binfo.inviteBadge":"{name} \xb7 {brokerage} te invit\xf3","binfo.phishingLine":"{firstName} cre\xf3 esta p\xe1gina para ti. Si no la esperabas, no contin\xfaes.","binfo.threeWaysToBegin":"Tres maneras de empezar","binfo.pickThePath":"Elige el camino que mejor se adapte.","binfo.pathStartTitle":"Iniciar solicitud","binfo.pathStartBody":"Adelante. Primero la informaci\xf3n de la propiedad y de contacto, luego completa el resto despu\xe9s de registrarte.","binfo.startNow":"Empezar ahora","binfo.pathSetupEyebrow":"Configurar primero","binfo.pathSetupTitle":"Crear cuenta primero","binfo.pathSetupBody":"Configura tu cuenta, haz el recorrido y luego empieza desde tu panel.","binfo.pathReturningEyebrow":"Regresando","binfo.pathReturningBody":"\xbfYa tienes una cuenta? Contin\xfaa justo donde lo dejaste.","binfo.howItWorks":"C\xf3mo funciona","binfo.hereToKeys":"De aqu\xed a las llaves, en 3 pasos.","binfo.step1Title":"Cu\xe9ntanos sobre la propiedad","binfo.step1Body":"Nombre, contacto y qu\xe9 est\xe1s financiando. ~2 min.","binfo.step2Title":"Crea tu cuenta","binfo.step2Body":"Guarda tu progreso. Luego, recibos de pago, declaraciones de impuestos y estados de cuenta bancarios.","binfo.step3Title":"Mira c\xf3mo avanza tu pr\xe9stamo","binfo.step3Body":"Estado de tasaci\xf3n, t\xedtulo y prestamista en tiempo real, con tiempos estimados (ETA).","binfo.builtOnInfrastru

1cture":"Construido sobre una infraestructura s\xf3lida","binfo.footerLegal":"{company} es un servicio de California Mortgage Solutions, Inc. Con licencia NMLS en CA. Igualdad de oportunidades de vivienda (Equal Housing Opportunity).","binfo.footerPrivacy":"Privacidad","binfo.footerTerms":"T\xe9rminos","binfo.previewLoanStatus":"Estado del pr\xe9stamo","binfo.previewOnTrack":"En curso","binfo.previewUnderwriting":"Suscripci\xf3n","binfo.previewEtaFriday":"60% — ETA viernes","binfo.previewChecklistBank":"Estados de cuenta bancarios de 2 meses","binfo.previewChecklistW2":"W-2 m\xe1s reciente","binfo.previewChecklistPaystub":"\xdaltimo recibo de pago","binfo.stepN":"Paso {n}","binfo.vaultHeadline":"Construido como una b\xf3veda. Abierta solo por personas con licencia.","binfo.trustGroupIdentity":"Identidad","binfo.trustGroupEncryption":"Cifrado y aislamiento","binfo.trustGroupDocuments":"Documentos","binfo.trustGroupCompliance":"Cumplimiento integrado","binfo.trustGroupReliability":"Fiabilidad","binfo.trustGroupAi":"IA con personas al mando","binfo.trustItemTwoStep":"Inicio de sesi\xf3n en dos pasos en cada cuenta, siempre activo.","binfo.trustItemPasskeys":"Inicio de sesi\xf3n con llave de acceso y aplicaci\xf3n de autenticaci\xf3n.","binfo.trustItemNewDevice":"Detecci\xf3n de dispositivos nuevos con alertas inmediatas.","binfo.trustItemTls":"TLS 1.3 en toda la plataforma, con seguridad de transporte estricta precargada en los navegadores.","binfo.trustItemAes":"Cifrado AES-256-GCM para las credenciales almacenadas.","binfo.trustItemIsolation":"Aislamiento total entre corredur\xedas. Los datos de una firma nunca pueden consultarse desde otra.","binfo.trustItemAuditTrail":"Un registro de auditor\xeda completo: cada vista, descarga y firma con fecha, hora y autor.","binfo.trustItemSignatures":"Firmas registradas con evidencia del dispositivo y la direcci\xf3n.","binfo.trustItemCreditMemory":"Los datos de cr\xe9dito se manejan solo en memoria; nunca se escriben en almacenamiento.","binfo.trustItemFingerprint":"Almacenamiento con huella de contenido: cada archivo existe una sola vez y no puede sustituirse en silencio.","binfo.trustItemDisclosureTiming":"Plazos de divulgaci\xf3n aplicados autom\xe1ticamente, con fechas de recepci\xf3n registradas.","binfo.trustItemMismo":"Datos del pr\xe9stamo en formato est\xe1ndar del sector, validados contra el esquema oficial antes de salir.","binfo.trustItemSanctions":"Verificaci\xf3n de sanciones antes de cualquier env\xedo o exportaci\xf3n.","binfo.trustItemSafeguards":"Un programa federal de salvaguardas por escrito y un corredor con licencia en cada pr\xe9stamo.","binfo.trustItemOffline":"Funciona sin conexi\xf3n. La solicitud se guarda en tu dispositivo y se sincroniza cuando vuelves.","binfo.trustItemLanguages":"Seis idiomas.","binfo.trustItemLiveStatus":"Estado en vivo de los socios de tasaci\xf3n, t\xedtulo y prestamista.","binfo.trustItemPiiRedacted":"Los identificadores personales se eliminan antes de que cualquier documento llegue a un modelo de IA.","binfo.trustItemPeopleDecide":"La IA lee y organiza; las personas con licencia toman cada decisi\xf3n.","binfo.trustItemKillSwitch":"Un solo interruptor desactiva la IA en la nube en toda la plataforma.","binfo.trustReadMore":"Lee el detalle completo de seguridad.","binfo.whoHeading":"Con qui\xe9n est\xe1s trabajando","binfo.whoPersonEyebrow":"Tu contacto","binfo.whoBrokerageEyebrow":"Tu corredur\xeda","binfo.whoLicensedIn":"Con licencia en {states}","binfo.licenseNmls":"NMLS #{id}","binfo.licenseDre":"DRE de {state} #{id}","binfo.returningEmailPlaceholder":"Correo electr\xf3nico","binfo.continue":"Continuar","binfo.miniStreet":"Direcci\xf3n","binfo.miniUploadHint":"Suelta archivos aqu\xed o toca para subir","security.eyebrow":"Seguridad","security.intro":"C\xf3mo Unified Loan System protege el expediente de un prestatario, en t\xe9rminos claros y al completo. Todo lo que aparece aqu\xed se comprueba contra la plataforma en funcionamiento antes de escribirse; lo que no se puede comprobar se omite en lugar de suavizarse.","security.diagramTitle":"A d\xf3nde va tu informaci\xf3n","security.diagramBorrower":"T\xfa","security.diagramTransit":"Cifrado en tr\xe1nsito","security.diagramFile":"El expediente aislado de tu corredur\xeda","security.diagramLogged":"Cada acceso queda registrado","security.specTitle":"La especificaci\xf3n completa","security.vendorSentence":"Nuestros socios de alojamiento y datos cuentan con informes SOC 2 Tipo II. Unified Loan System no ha completado una auditor\xeda SOC 2.","security.omittedNote":"Lo que no podemos verificar se deja fuera de esta p\xe1gina; nunca se reformula para conservarlo.","binfo.uwSubmittedEyebrow":"Enviado","binfo.uwSubmittedTitle":"Tu expediente ha sido envi

1ado","binfo.uwSubmittedBody":"Tu oficial de pr\xe9stamos est\xe1 revisando tu expediente y lo enviar\xe1 a tu prestamista. Te avisaremos en cuanto haya una actualizaci\xf3n.","binfo.uwReviewEyebrow":"En revisi\xf3n","binfo.uwReviewTitle":"Tu expediente est\xe1 en revisi\xf3n","binfo.uwReviewBody":"Tu oficial de pr\xe9stamos est\xe1 preparando tu expediente para tu prestamista. Te notificaremos en cuanto haya una actualizaci\xf3n.","binfo.uwSeniorEyebrow":"Suscriptor s\xe9nior","binfo.uwUnderwriterEyebrow":"Revisi\xf3n del suscriptor","binfo.uwSeniorTitle":"Revisi\xf3n del suscriptor s\xe9nior","binfo.uwUnderwriterTitle":"Solicitud en revisi\xf3n","binfo.uwSeniorBody":"Revisi\xf3n final de tus condiciones resueltas. Te avisamos en cuanto den su aprobaci\xf3n — normalmente en 1–2 d\xedas h\xe1biles.","binfo.uwUnderwriterBody":"Un suscriptor humano real est\xe1 revisando tu expediente. Te notificamos en el momento en que lleguen nuevas condiciones o el expediente se apruebe.","binfo.uwClearEyebrow":"Listo para cerrar","binfo.uwClearTitle":"\xa1Est\xe1s listo para cerrar!","binfo.uwClearBody":"Felicidades — todas las condiciones han sido aprobadas. Tu oficial de pr\xe9stamos se comunicar\xe1 contigo con la log\xedstica del cierre en un plazo de 24 horas.","binfo.actionRequired":"Acci\xf3n requerida","binfo.conditionToClearOne":"{count} condici\xf3n por resolver","binfo.conditionsToClear":"{count} condiciones por resolver","binfo.uwConditionsBody":"El suscriptor encontr\xf3 algunos elementos que necesitan respaldo. Sube cada documento solicitado a continuaci\xf3n — tu pr\xe9stamo sigue avanzando en cuanto todo se resuelva.","binfo.fromUnderwriter":"Del suscriptor","binfo.newRequirements":"Nuevos requisitos","binfo.initialAusFindings":"Resultados iniciales del AUS","binfo.fromAutomatedUnderwriter":"Del suscriptor automatizado","binfo.readyToResubmit":"Listo para reenviar","binfo.almostThere":"Casi listo","binfo.allConditionsSatisfied":"Todas las condiciones cumplidas","binfo.conditionRemainingOne":"{count} condici\xf3n restante","binfo.conditionsRemaining":"{count} condiciones restantes","binfo.resubmitReadyBody":"Devuelve el expediente al suscriptor para la aprobaci\xf3n final. Normalmente lo aprueban en 1–2 d\xedas h\xe1biles.","binfo.resubmitPendingBody":"Sube los elementos restantes de arriba. El bot\xf3n se desbloquea autom\xe1ticamente cuando todo est\xe9 cumplido.","binfo.submitUpdatesForReview":"Enviar actualizaciones para revisi\xf3n","binfo.onFile":"En el expediente","binfo.documentSubmittedOne":"{count} documento ya enviado","binfo.documentsSubmitted":"{count} documentos ya enviados","binfo.fileCountOne":"{count} archivo","binfo.fileCount":"{count} archivos","binfo.verified":"Verificado","binfo.underReview":"En revisi\xf3n","binfo.satisfied":"Cumplido","binfo.typeOrDictate":"Escribe o dicta tu explicaci\xf3n a continuaci\xf3n","binfo.explanationSubmitted":"Explicaci\xf3n enviada","binfo.explainPlaceholder":"Explica la situaci\xf3n a tu oficial de pr\xe9stamos…","binfo.listening":"Escuchando…","binfo.submitExplanation":"Enviar explicaci\xf3n","binfo.uploadToSatisfy":"Sube para cumplir esta condici\xf3n","binfo.analyzingApplication":"Analizando tu solicitud…","binfo.aiUnderwriterReviewing":"Nuestro suscriptor de IA est\xe1 revisando tus documentos.","binfo.underwritingCleared":"Suscripci\xf3n aprobada","binfo.approvedLoanOptions":"Tus opciones de pr\xe9stamo aprobadas","binfo.loanOptionsSubtitle":"Seg\xfan tus ingresos, deudas y cr\xe9dito, aqu\xed est\xe1n todos los programas para los que calificas. Ajusta el control deslizante del pago inicial a continuaci\xf3n — cada opci\xf3n se recalcula en vivo.","binfo.metricMonthlyIncome":"Ingresos mensuales","binfo.metricMonthlyDebts":"Deudas mensuales","binfo.metricDtiRatio":"Relaci\xf3n DTI","binfo.metricAboveConvCap":"Por encima del l\xedmite convencional","binfo.metricWithinConvLimits":"Dentro de los l\xedmites convencionales","binfo.metricLtvRatio":"Relaci\xf3n LTV","binfo.metricPmiApplies":"Normalmente aplica PMI","binfo.metricBelowPmiThreshold":"Por debajo del umbral del PMI","binfo.downPayment":"Pago inicial","binfo.adjustLiveRepricing":"Ajusta para ver el rec\xe1lculo en vivo","binfo.sliderMinFha":"3% (m\xedn. FHA)","binfo.sliderNoPmi":"20% (sin PMI)","binfo.eligiblePrograms":"{count} programas elegibles","binfo.bestMatch":"Mejor opci\xf3n","binfo.programLabel":"Programa","binfo.rateLabel":"Tasa","binfo.thirtyYrFixed":"Fija a 30 a\xf1os","binfo.programTerm":"Plazo","binfo.thirtyYears":"30 a\xf1os","binfo.estMonthlyPi":"P&I mensual est.","binfo.providedAtLock":"Se proporciona al bloquear la tasa","binfo.selectThisLoan":"Seleccionar este pr\xe9stamo","binfo.lowestPayment":"El pago m\xe1s bajo para tu escenario","binfo.wantSecondOpinion":"\xbfQuieres una segunda opini\xf3n?","binfo.notSureWhichToPick":"\xbfNo est\xe1s seguro de cu\xe1l elegir?","binfo.loTradeoffsBody":"Tu oficial de pr\xe9stamos puede explicarte las ventajas y desventajas en 5 minutos — pago vs. efectivo para cerrar, fija vs. ARM, y cu\xe1ndo pagar puntos realmente conviene.","brate.noApplicationTitle":"A\xfan no hay solicitud","brate.noApplicationBody":"Inicie su solicitud desde el panel. Una vez en marcha, su oficial de pr\xe9stamos podr\xe1 guiarlo por su tasa 

1y sus opciones.","brate.rateSheetTitle":"Tasas mayoristas en vivo","brate.rateSheetSubtitle":"El mejor precio disponible en toda nuestra red de prestamistas. Su tasa personalizada depende del cr\xe9dito, LTV, ocupaci\xf3n y programa — inicie una solicitud para obtener una cotizaci\xf3n real.","brate.rateSheetTableTag":"Mejor tasa por programa","brate.asOfUpdated":"Actualizado","brate.marketAverageTitle":"Tasas hipotecarias promedio nacionales","brate.marketAverageSubtitle":"La Encuesta semanal del Mercado Hipotecario Primario de Freddie Mac — el promedio nacional que ve un prestatario t\xedpico, no una cotizaci\xf3n personalizada. Calculamos el precio de su escenario real en cuanto solicita.","brate.marketAverageTableTag":"Promedio nacional \xb7 Freddie Mac PMMS","brate.asOfWeekOf":"Semana del","brate.defaultTitle":"Tasas hipotecarias de hoy","brate.defaultSubtitle":"El precio en vivo se publica aqu\xed a medida que nuestra red de prestamistas se actualiza. Mientras tanto, obtenga una cotizaci\xf3n personalizada en minutos — sin consulta de cr\xe9dito para empezar.","brate.eyebrowMortgageRates":"Tasas hipotecarias","brate.personalizedHeading":"Su tasa es personalizada","brate.personalizedBody":"No existe una \xfanica “tasa de hoy”. Su tasa depende de su cr\xe9dito, monto del pr\xe9stamo, pago inicial, propiedad y programa. Inicie una solicitud y un oficial de pr\xe9stamos calcular\xe1 el precio de su escenario real — sin consulta de cr\xe9dito para empezar.","brate.ctaPersonalizedQuote":"Obtenga su cotizaci\xf3n personalizada","brate.ctaTalkToLoanOfficer":"Hable con un oficial de pr\xe9stamos","brate.rateActionsLabel":"Acciones de tasa","brate.alertsEyebrow":"Vigile el mercado","brate.alertsTitle":"Alertas de tasa","brate.alertsBodyOff":"D\xedganos su objetivo y le enviaremos un correo cuando valga la pena conversar. Sin ruido — solo avisos \xfatiles.","brate.alertsBodyOn":"D\xedganos su tasa objetivo y le enviaremos un correo en el momento en que cualquier programa baje por debajo de ella. Sin ruido — solo avisos \xfatiles.","brate.alertsCta":"Configurar una alerta","brate.lockEyebrowOff":"Proteja su tasa","brate.lockEyebrowOn":"Proteja la tasa de hoy","brate.lockTitle":"Aseg\xfarela","brate.lockBodyOff":"Una vez que tenga su precio, su oficial de pr\xe9stamos puede bloquear su tasa mientras se completa su expediente.","brate.lockBodyOn":"\xbfLe gusta lo que ve? Su oficial de pr\xe9stamos puede bloquear la tasa por hasta 60 d\xedas mientras se completa su expediente.","brate.lockCta":"Solicitar bloqueo de tasa","brate.adviceEyebrow":"Hable con una persona","brate.adviceTitle":"Asesor\xeda experta","brate.adviceBody":"\xbfNo est\xe1 seguro de qu\xe9 programa le conviene — VA, FHA, convencional, ARM? Env\xede un mensaje a su oficial de pr\xe9stamos y obtenga una respuesta real.","brate.adviceCta":"Env\xede un mensaje a su oficial de pr\xe9stamos","brate.whyNoSingleRateTitle":"Por qu\xe9 no publicamos una sola tasa","brate.whyNoSingleRateBody":"Una tasa que no puede usar en realidad no es \xfatil. Su tasa real cambia con el cr\xe9dito, LTV, ocupaci\xf3n, tipo de propiedad, opciones de escrow y la operaci\xf3n subyacente del programa en el mercado secundario. Una vez que inicia una solicitud, calculamos el precio de su escenario real y su oficial de pr\xe9stamos maneja la tasa con usted.","brate.close":"Cerrar","brate.finishApplicationTitle":"Primero complete su solicitud","brate.finishApplicationBodyOff":"Para calcular su tasa personalizada, necesitamos algunos datos de su solicitud de pr\xe9stamo (la 1003). Solo toma unos minutos — puede guardar y retomar en cualquier momento.","brate.finishApplicationBodyOn":"Para mostrar su tasa personalizada, necesitamos algunos datos de su solicitud de pr\xe9stamo (la 1003). Solo toma unos minutos — puede guardar y retomar en cualquier momento.","brate.startApplication":"Iniciar solicitud","brate.eyebrowTodaysRates":"Tasas de hoy","brate.fetchingPricing":"Obteniendo el precio m\xe1s reciente…","brate.livePricing":"Precio en vivo","brate.ctaCustomRate":"Obtenga su tasa personalizada","brate.loadingRates":"Cargando tasas…","brate.todaysRateSheet":"Hoja de tasas de hoy","brate.ratesHeading":"Tasas","brate.asOf":"Al {date}","brate.tableCaption":"Hoja de tasas hipotecarias en vivo","brate.colLoanProgram":"Programa de pr\xe9stamo","brate.colRate":"Tasa","brate.colPoints":"Puntos","brate.colEstPayment":"Pago est.*","brate.colActions":"Acciones","brate.mobileListLabel":"Programas de tasas hipotecarias","brate.statPmtPerMo":"Pago/mes","brate.apply":"Solicitar","brate.estPaymentFootnote":"* Capital e intereses mensuales estimados sobre un pr\xe9stamo de {amount} a la tasa mostrada. Excluye impuestos, seguro y PMI. Su tasa real depende del cr\xe9dito, LTV, ocupaci\xf3n y elegibilidad del programa.","brate.whyDiffersTitle":"Por qu\xe9 su tasa puede diferir de la tabla","brate.whyDiffersBody":"Las cifras anteriores son una referencia del mercado, no una cotizaci\xf3n personalizada. Su tasa cambia con el cr\xe9dito, LTV, ocupaci\xf3n, tipo de propiedad, opciones de escrow y la operaci\xf3n subyacente del programa en el mercado secundario. Una vez que inicia una solicitud, recalculamos el precio seg\xfan su escenario real.","brate.loadingTodaysRates":"Cargando las tasas de hoy…","brate.emptyTitle":"El precio en vivo est\xe1 en camino","brate.emptyBody":"Las tasas de hoy se publican aqu\xed a medida que nuestra red de prestamistas se actualiza. Mientras tanto, obtenga una tasa adaptada a su escenario — solo toma unos minutos y no hay consulta de cr\xe9dito para empezar.","brate.emptyCta":"Obtenga una cotizaci\xf3n personalizada","bchat.suggestBorrowerAfterSubmit":"\xbfQu\xe9 sucede despu\xe9s de enviar mi s

1olicitud?","bchat.suggestBorrowerUnderwritingTime":"\xbfCu\xe1nto suele tardar la suscripci\xf3n (underwriting)?","bchat.suggestBorrowerClosingDocs":"\xbfQu\xe9 documentos necesitar\xe9 en el cierre?","bchat.suggestBorrowerRateDetermined":"\xbfC\xf3mo se determina mi tasa de inter\xe9s?","bchat.suggestBrokerLoansAtRisk":"\xbfQu\xe9 pr\xe9stamos est\xe1n en riesgo?","bchat.suggestBrokerNotContacted":"\xbfA qui\xe9n no se ha contactado en una semana?","bchat.suggestBrokerStatusUpdate":"Redacta una actualizaci\xf3n de estado para mi expediente m\xe1s antiguo","bchat.suggestBrokerPipelineSummary":"Resume mi cartera (pipeline) por etapa","bchat.welcomeBroker":"Preg\xfantame sobre tu cartera (pipeline).","bchat.heroTitleBroker":"Hola, soy Breeze. \xbfC\xf3mo puedo ayudarte con tu cartera (pipeline)?","bchat.welcomeBorrower":"Preg\xfantame sobre tu solicitud.","bchat.heroTitleBorrower":"Hola, soy Breeze. \xbfC\xf3mo puedo ayudarte con tu solicitud?","bchat.prettyApplication":"tu solicitud","bchat.prettyLoans":"tus pr\xe9stamos","bchat.prettyDocuments":"tus documentos","bchat.prettyDashboard":"tu panel","bchat.prettyHelpPage":"la p\xe1gina de ayuda","bchat.prettyAccount":"tu cuenta","bchat.prettyPipeline":"tu cartera (pipeline)","bchat.prettyPeopleList":"tu lista de personas","bchat.prettyOutreach":"alcance","bchat.prettyAnalytics":"an\xe1lisis","bchat.prettySettings":"configuraci\xf3n","bchat.prettyAdmin":"administraci\xf3n","bchat.backTo":"Volver a {name}","bchat.mortgageAi":"IA de hipotecas","bchat.loadingYourChat":"Cargando tu chat…","bchat.brokerFooter":"Tu cartera. Tu voz. Tu Breeze: creada para los corredores que cierran m\xe1s.","bchat.copied":"\xa1{label} copiado!","bchat.labelPhone":"Tel\xe9fono","bchat.labelEmail":"Correo electr\xf3nico","bchat.loanOfficer":"Oficial de pr\xe9stamos","bchat.noteHeading":"Nota","bchat.urgentNote":"Para asuntos urgentes sobre el vencimiento de tu tasa bloqueada, llama directamente a la l\xednea de la oficina.","bchat.prefillRateAlert":"Hola — me gustar\xeda configurar una alerta de tasa. Mi tasa objetivo es X.XX% en [program]. \xbfPodr\xedas avisarme en cuanto la alcancemos?","bchat.prefillRateLock":"Hola — me gustar\xeda bloquear una tasa. \xbfQu\xe9 programas se ven mejor para mi perfil ahora mismo y qu\xe9 periodos de bloqueo hay disponibles?","bchat.prefillAdvice":"Hola — \xbfpodr\xedas explicarme qu\xe9 programa de pr\xe9stamo se ajusta mejor a mi situaci\xf3n? Estoy comparando FHA / VA / convencional / ARM y me encantar\xeda conocer tu opini\xf3n.","bchat.sentAttachment":"\uD83D\uDCC1 Adjunto enviado: {name}","bchat.fileSentSuccess":"\xa1Archivo enviado correctamente!","bchat.transcriptCopied":"Transcripci\xf3n del chat copiada al portapapeles","bchat.dateToday":"Hoy","bchat.dateYesterday":"Ayer","bchat.searchPlaceholder":"Buscar mensajes...","bchat.refreshChat":"Actualizar chat","bchat.copyTranscript":"Copiar transcripci\xf3n","bchat.noMessagesMatching":'No se encontraron mensajes que coincidan con "{query}"',"bchat.noMessagesYet":"A\xfan no hay mensajes","bchat.emptyStartConversation":"Inicia una conversaci\xf3n con tu Oficial de pr\xe9stamos para hacer preguntas o recibir actualizaciones.","bchat.attachFile":"Adjuntar archivo","bchat.typeAMessage":"Escribe un mensaje...","bchat.defaultBrokerName":"Mi corredor","bchat.broker":"Corredor","bchat.yourBroker":"Tu corredor","bchat.online":"En l\xednea","bchat.typicalReplyTime":"Tiempo de respuesta habitual: 1 h","bchat.startConversationBroker":"\xa1Inicia una conversaci\xf3n con tu corredor!","bmisc.eyebrowBorrower":"Prestatario","bmisc.signIn":"Iniciar sesi\xf3n","bmisc.loading":"Cargando…","bmisc.emailAddress":"Correo electr\xf3nico","bmisc.emailPlaceholder":"[email protected]","bmisc.forgotTitle":"Restablece tu contrase\xf1a","bmisc.forgotSubtitle":"Ingresa tu correo electr\xf3nico y te enviaremos un enlace para restablecerla. Vence en 1 hora.","bmisc.forgotRememberedIt":"\xbfYa la recordaste?","bmisc.forgotSentSuccess":"Si ese correo est\xe1 registrado, ya va en camino un enlace para restablecer. Revisa tu bandeja de entrada (y la carpeta de spam).","bmisc.forgotSendAnother":"Enviar otro","bmisc.forgotSendResetLink":"Env

1iar enlace de restablecimiento","bmisc.forgotErrorGeneric":"Algo sali\xf3 mal. Int\xe9ntalo de nuevo.","bmisc.forgotErrorNetwork":"No se pudo enviar el correo de restablecimiento. Revisa tu conexi\xf3n e int\xe9ntalo de nuevo.","bmisc.resetInvalidTitle":"Enlace no v\xe1lido","bmisc.resetInvalidSubtitle":"A este enlace para restablecer la contrase\xf1a le faltan par\xe1metros requeridos.","bmisc.resetRequestNewLink":"Solicitar un enlace nuevo","bmisc.resetInvalidBody":"Este enlace parece estar da\xf1ado o incompleto. Solicita un enlace de restablecimiento nuevo.","bmisc.resetPasswordsMismatch":"Las contrase\xf1as no coinciden.","bmisc.resetCouldNotReset":"No se pudo restablecer la contrase\xf1a. Es posible que este enlace haya vencido.","bmisc.resetNetworkError":"Algo sali\xf3 mal. Revisa tu conexi\xf3n e int\xe9ntalo de nuevo.","bmisc.resetDoneTitle":"Contrase\xf1a actualizada","bmisc.resetChooseTitle":"Elige una nueva contrase\xf1a","bmisc.resetDoneSubtitle":"Tu contrase\xf1a ha sido cambiada. Se han cerrado todas las sesiones existentes.","bmisc.resetChooseSubtitle":"Elige una contrase\xf1a segura: al menos 8 caracteres.","bmisc.resetSignInNewPassword":"Inicia sesi\xf3n con tu nueva contrase\xf1a","bmisc.resetLinkExpired":"\xbfEl enlace venci\xf3?","bmisc.resetRequestNewOne":"Solicitar uno nuevo","bmisc.resetDoneAlert":"Contrase\xf1a actualizada con \xe9xito. Inicia sesi\xf3n abajo para volver a tu pr\xe9stamo.","bmisc.resetNewPasswordLabel":"Nueva contrase\xf1a","bmisc.resetNewPasswordPlaceholder":"Al menos 8 caracteres","bmisc.resetConfirmLabel":"Confirmar contrase\xf1a","bmisc.resetConfirmPlaceholder":"Vuelve a ingresar la contrase\xf1a","bmisc.resetUpdatePassword":"Actualizar contrase\xf1a","bmisc.verifyEyebrow":"Verificaci\xf3n de correo electr\xf3nico","bmisc.verifyConfirming":"Confirmando tu correo electr\xf3nico…","bmisc.verifyTitleSuccess":"Est\xe1s verificado","bmisc.verifyTitleError":"No se pudo confirmar el correo electr\xf3nico","bmisc.verifyIsConfirmed":"est\xe1 confirmado.","bmisc.verifyMissingToken":"A este enlace le falta su token de verificaci\xf3n. Solicita uno nuevo abajo.","bmisc.verifyConfirmedMsg":"Tu correo electr\xf3nico est\xe1 confirmado. Bienvenido.","bmisc.verifyCouldNotConfirm":"No pudimos confirmar este enlace. Es posible que haya vencido.","bmisc.verifyNetworkError":"Error de red durante la verificaci\xf3n. Int\xe9ntalo de nuevo en un momento.","bmisc.verifyEnterValidEmail":"Primero ingresa un correo electr\xf3nico v\xe1lido.","bmisc.verifyResendSent":"Enviado. Revisa tu bandeja de entrada (y la carpeta de spam).","bmisc.verifyResendFailed":"No se pudo reenviar en este momento.","bmisc.verifySignedInAsBefore":"Has iniciado sesi\xf3n como","bmisc.verifySignedInAsAfter":"— cierra sesi\xf3n para usar la cuenta que acabas de verificar.","bmisc.verifySignOutAndSwitch":"Cerrar sesi\xf3n y camb

1iar","bmisc.verifyStaySignedIn":"Seguir con la sesi\xf3n de {email}","bmisc.verifyContinueSignIn":"Continuar para iniciar sesi\xf3n","bmisc.verifyAutoRedirecting":"Redireccionando autom\xe1ticamente en {countdown}s…","bmisc.verifySendFreshLink":"Enviar un enlace nuevo","bmisc.verifySending":"Enviando…","bmisc.verifyResend":"Reenviar","bmisc.verifySignInInstead":"Mejor iniciar sesi\xf3n","bmisc.verifyWrongEmailSignUp":"\xbfCorreo incorrecto? Reg\xedstrate de nuevo","bmisc.notifTitle":"Notificaciones","bmisc.notifOfflineCached":"Sin conexi\xf3n: mostrando tus \xfaltimas 20 notificaciones guardadas.","bmisc.notifOfflineStale":"Est\xe1s sin conexi\xf3n: las notificaciones podr\xedan no estar actualizadas.","bmisc.notifUnreadSwipe":"{unread} sin leer: desliza a la derecha para marcar como le\xeddas","bmisc.notifAllCaughtUp":"Est\xe1s al d\xeda","bmisc.notifMarkAllRead":"Marcar todo como le\xeddo","bmisc.notifFilter_all":"todas","bmisc.notifFilter_unread":"sin leer","bmisc.notifFilter_loan":"pr\xe9stamo","bmisc.notifFilter_document":"documento","bmisc.notifFilter_compliance":"cumplimiento","bmisc.notifEmptyAll":"A\xfan no hay notificaciones.","bmisc.notifEmptyFiltered":"No hay notificaciones de {filter}.","bmisc.notifToday":"Hoy","bmisc.notifYesterday":"Ayer","bmisc.coEyebrow":"Coprestatario","bmisc.coInviteEyebrow":"Invitaci\xf3n de coprestatario","bmisc.coLoadingTitle":"Cargando invitaci\xf3n…","bmisc.coInvalidLink":"Enlace de invitaci\xf3n no v\xe1lido","bmisc.coAcceptFailed":"No se pudo aceptar la invitaci\xf3n","bmisc.coUnavailableTitle":"Invitaci\xf3n no disponible","bmisc.coUnavailableSubtitle":"Este enlace ya no es v\xe1lido.","bmisc.coUnavailableBody":"P\xeddele al prestatario principal que env\xede una invitaci\xf3n nueva. Cada enlace es de un solo uso y v\xe1lido por 7 d\xedas.","bmisc.coReturnHome":"Volver al inicio","bmisc.coExpiredTitle":"Invitaci\xf3n vencida","bmisc.coExpiredBody":"Esta invitaci\xf3n super\xf3 su plazo de 7 d\xedas. P\xeddele a {name} que env\xede una nueva.","bmisc.coRevokedTitle":"Invitaci\xf3n revocada","bmisc.coRevokedBody":"El prestatario principal revoc\xf3 esta invitaci\xf3n. P\xeddele a {name} que env\xede una nueva si fue un error.","bmisc.coAlreadyAcceptedTitle":"Ya aceptada","bmisc.coAlreadyAcceptedBody":"Esta invitaci\xf3n ya fue aceptada. Inicia sesi\xf3n para continuar tu solicitud.","bmisc.coWrongAccountTitle":"Cuenta incorrecta","bmisc.coWrongAccountSubtitle":"La invitaci\xf3n se envi\xf3 a un correo electr\xf3nico diferente.","bmisc.coWrongAccountBefore":"Has iniciado sesi\xf3n como","bmisc.coWrongAccountMiddle":", pero esta invitaci\xf3n se envi\xf3 a","bmisc.coWrongAccountAfter":". Cierra sesi\xf3n e inicia sesi\xf3n con el correo electr\xf3nico invitado para aceptar.","bmisc.coSigningOut":"Cerrando sesi\xf3n…","bmisc.coSwitchAccounts":"Cambiar de cuenta","bmisc.coInviteTitle":"{name} te invit\xf3 a su solicitud de hipoteca","bmisc.coSomeone":"Alguien","bmisc.coInviteSubtitleBefore":"Has sido agregado como","bmisc.coInviteSubtitleAfter":"en una solicitud de pr\xe9stamo. Haz clic abajo para crear tu cuenta o iniciar sesi\xf3n.","bmisc.coDetailInvitedBy":"Invitado por","bmisc.coUnknown":"(desconocido)","bmisc.coDetailYourRole":"Tu rol","bmisc.coDetailSentTo":"Enviada a","bmisc.coDetailExpiresIn":"Vence en","bmisc.coDayOne":"{n} d\xeda","bmisc.coDayMany":"{n} d\xedas","bmisc.coWhatNextTitle":"\xbfQu\xe9 sigue?","bmisc.coWhatNextBody":"Despu\xe9s de aceptar, ir\xe1s a la solicitud de pr\xe9stamo para completar tu secci\xf3n: ingresos, empleo, activos y las mismas preguntas de identidad que respondi\xf3 {name}. Nunca compartimos tu informaci\xf3n con nadie fuera de la solicitud de pr\xe9stamo.","bmisc.coCreateAccount":"Crear mi cuenta","bmisc.coHaveAccount":"Ya tengo una cuenta","bmisc.coAccepting":"Aceptando…","bmisc.coAcceptInvitation":"Aceptar invitaci\xf3n","bsharedA.autofilledFromLastLoan":"Autocompletado desde su \xfaltimo pr\xe9stamo","bsharedA.lastLoan":"\xdaltimo pr\xe9stamo","bsharedA.clearAutofilledValue":"Borrar el valor autocompletado de {fieldKey}","bsharedA.aiLoanAdvisor":"Asesor de Pr\xe9stamos con IA","bsharedA.askAboutYourLoan":"Pregunte sobre su pr\xe9stamo...","bsharedA.send":"Enviar","bsharedA.biometricDeleteError":"No se pudieron eliminar los datos biom\xe9tricos","bsharedA.biometricNoneOnFile":"No hay datos biom\xe9tricos en archivo — no hay nada que eliminar.","bsharedA.biometricDeletedOne":"Se elimin\xf3 {count} registro de verificaci\xf3n.","bsharedA.biometricDeletedMany":"Se eliminaron {count} registros de verificaci\xf3n.","bsharedA.deleteBiometricData":"Eliminar datos biom\xe9tricos","bsharedA.biometricExplainer":"Unified Loan System realiza la verificaci\xf3n de identidad por coincidencia facial para protegerlo contra el fraude de transferencias en el cierre. Puede solicitar la eliminaci\xf3n inmediata de sus fotos faciales y del recorte facial extra\xeddo en cualquier momento. Los metadatos de verificaci\xf3n (una puntuaci\xf3n num\xe9rica de similitud y un registro de auditor\xeda de cu\xe1ndo se realiz\xf3 la verificaci\xf3n) se conservan para cumplir con los requisitos de conservaci\xf3n de registros de la hipoteca.","bsharedA.biometricConfirm":"\xbfEst\xe1 seguro? Esto no se puede deshacer.","bsharedA.deleting":"Eliminando…","bsharedA.yesDelete":"S\xed, eliminar","bsharedA.couldNotLoadConditions":"No se pudieron cargar sus condiciones.","bsharedA.tryAgain":"Intentar de nuevo","bsharedA.blockingYourLoan":"Bloqueando su pr\xe9stamo","bsharedA.seeAllConditions":"Ver todas las condiciones","bsharedA.brokeredBy":"Intermediado por","bsharedA.backupCardRemoveConfirm":"\xbfEliminar la tarjeta de pago en archivo? Su corredor ya no podr\xe1 cobrarla por ning\xfan costo de terceros. Puede guardar una nueva tarjeta m\xe1s tarde si es necesario.","bsharedA.backupCardRemoveError":"No se pudo eliminar la tarjeta","bsharedA.backupCardRemovedTitle":"Tarjeta eliminada","b

1sharedA.backupCardRemovedMsg":"La tarjeta de pago en archivo ha sido eliminada.","bsharedA.paymentCardOnFile":"Tarjeta de pago en archivo","bsharedA.backupCardHeldDesc":"Retenida como respaldo. No se cobrar\xe1 a menos que su pr\xe9stamo no cierre, y solo por los costos reales pagados en su nombre.","bsharedA.cardGeneric":"Tarjeta","bsharedA.cardEnding":"{brand} terminada en {last4}","bsharedA.cardSavedAuthorized":"Guardada el {date} \xb7 Autorizada hasta {amount}","bsharedA.backupCardNoAuth":"Su corredor a\xfan no ha registrado su autorizaci\xf3n escrita o grabada. Hasta que eso ocurra, su tarjeta no puede ser cobrada.","bsharedA.removing":"Eliminando…","bsharedA.removeCardOnFile":"Eliminar tarjeta en archivo","bsharedA.backupCardRemoveNote":"Puede eliminar esta tarjeta en cualquier momento. Si ya se ha iniciado un cargo, la eliminaci\xf3n no lo revertir\xe1; comun\xedquese con su corredor.","bsharedA.checkingDisclosureStatus":"Verificando el estado de la divulgaci\xf3n…","bsharedA.closingDisclosureReady":"Divulgaci\xf3n de Cierre lista","bsharedA.versionLabel":"Versi\xf3n {version}","bsharedA.issuedOn":"Emitida el {date}","bsharedA.reviewed":"Revisada","bsharedA.actionNeeded":"Acci\xf3n requerida: {title}","bsharedA.earliestLegalClosingDate":"Fecha de cierre legal m\xe1s temprana: {date}","bsharedA.daysFromTodayOne":"(a {days} d\xeda de hoy)","bsharedA.daysFromTodayMany":"(a {days} d\xedas de hoy)","bsharedA.threeBusinessDayNotice":". La ley federal exige 3 d\xedas h\xe1biles entre la divulgaci\xf3n y la firma — use este per\xedodo para revisar el documento cuidadosamente y hacer preguntas antes del cierre.","bsharedA.cashToClose":"Efectivo para cerrar","bsharedA.whatYoullBringToClosing":"lo que llevar\xe1 al cierre","bsharedA.reviewYourClosingDisclosure":"Revise su Divulgaci\xf3n de Cierre","bsharedA.todayIsClosingDay":"Hoy es el d\xeda del cierre","bsharedA.oneDayUntilClosing":"1 d\xeda para el cierre","bsharedA.daysUntilClosing":"{days} d\xedas para el cierre","bsharedA.closingPreparation":"Preparaci\xf3n para el cierre","bsharedA.closingPortal":"Portal de cierre","bsharedA.openClosingPortal":"Abrir portal de cierre","bsharedA.skipTour":"Omitir el recorrido","bsharedA.welcomeToVerispect":"Bienvenido a Unified Loan System","bsharedA.tourHeadlineNamed":"Hola {name} — vamos a poner","bsharedA.tourHeadlineGeneric":"Vamos a poner","bsharedA.tourHeadlineHighlight":"su pr\xe9stamo en marcha.","bsharedA.tourSubtitle":"Un recorrido de 60 segundos por el panel, la solicitud y el centro de documentos — para que sepa exactamente d\xf3nde est\xe1 todo antes de comenzar.","bsharedA.stat100Digital":"100% digital","bsharedA.statNoPaper":"Sin papel, sin faxes","bsharedA.statBankGrade":"Seguridad de nivel bancario","bsharedA.statGlba":"GLBA + 256-bit","bsharedA.statAvgClose":"Cierre promedio de ~30 d\xedas","bsharedA.statFromApplication":"Desde la solicitud","bsharedA.yourLoanEndToEnd":"Su pr\xe9stamo, de principio a fin","bsharedA.stageApply":"Solicitar","bsharedA.stageVerify":"Verificar","bsharedA.stageUnderwrite":"Suscribir","bsharedA.stageDisclose":"Divulgar","bsharedA.stageClose":"Cerrar","bsharedA.inTheTourWellSpotlight":"En el recorrido, destacaremos","bsharedA.highlightDashboardLabel":"Su panel","bsharedA.highlightDashboardDesc":"Panel de estado + solicitudes abiertas","bsharedA.highlightRatesLabel":"Tasas de hoy","bsharedA.highlightRatesDesc":"Hoja de tasas en vivo + alertas","bsharedA.highlightCalculatorsLabel":"Calculadoras","bsharedA.highlightCalculatorsDesc":"Pago + capacidad de pago","bsharedA.highlightAppDocsLabel":"Solicitud + documentos","bsharedA.highlightAppDocsDesc":"Asistente 1003 + carga","bsharedA.highlightLoanOptionsLabel":"Opciones de pr\xe9stamo","bsharedA.highlightLoanOptionsDesc":"Programas para los que califica","bsharedA.highlightSettingsLabel":"Configuraci\xf3n de la cuenta","bsharedA.highlightSettingsDesc":"Notificaciones + privacidad","bsharedA.exploreOnMyOwn":"Explorar\xe9 por mi cuenta","bsharedA.watchVideoTour":"Ver el recorrido en video","bsharedA.loadingYourDashboard":"Cargando su panel…","bsharedA.stopAnytimeWith":"Det\xe9ngase en cualquier momento con","bsharedA.orClickingOutside":"o haciendo clic fuera de un destacado.","bsharedA.pricingSendError":"No se pudo enviar: {error}","bsharedA.pricingSendErrorFallback":"por favor intente de nuevo, o llame a su oficial de pr\xe9stamos","bsharedA.letsTalkAboutYourRate":"Hablemos de su tasa","bsharedA.pricingRateExplainer":"Su tasa depende de su panorama financiero completo y cambia con el mercado cada d\xeda. En lugar de mostrarle un n\xfamero que no puede mantener, su oficial de pr\xe9stamos fijar\xe1 el precio de su pr\xe9stamo con el prestamista y le explicar\xe1 sus opciones reales — y recibir\xe1 su tasa por escrito en su Estimaci\xf3n de Pr\xe9stamo.","bsharedA.noSurpriseNumbers":"Sin n\xfameros sorpresa — solo una cotizaci\xf3n real de una persona real.","bsharedA.messageSentToLoanOfficer":"Mensaje enviado a su oficial de pr\xe9stamos","bsharedA.followUpDirectly":"Se comunicar\xe1n con usted directamente. Para cualquier asunto urgente, llame o env\xedeles un correo electr\xf3nico usando la tarjeta de arriba.","bsharedA.sendAnotherMessage":"Enviar otro mensaje","bsharedA.askAboutRateOrOptions":"Pregunte sobre su tasa u opciones","bsharedA.sendQuestionGetBack":"Env\xede una pregunta a su oficial de pr\xe9stamos y se comunicar\xe1 con usted.","bsharedA.pricingMessagePlaceholder":"Hola, me gustar\xeda entender mi tasa y las opciones de pago mensual para...","bsharedA.sending":"Enviando…","bsharedA.sendToLoanOfficer":"Enviar al oficial de pr\xe9stamos","bsharedA.generalQuestionAssistant":"\xbfTiene una pregunta general sobre el proceso? Toque el asistente en la esquina — puede explicar los pasos y documentos, pero su oficial de pr\xe9stamos se encarga de todo lo relacionado con su tasa o aprobaci\xf3n espec\xedfica.","bsharedA.wholesalePricing":"Precios Mayoristas","bsharedA.todaysPricing":"Precios de Hoy","bsharedA.todaysPricingSubtitle":"Los precios de hoy de las hojas de tasas mayoristas de su corredor, calculados seg\xfan su escenario de pr\xe9stamo espec\xedfico. Hable con su corredor sobre c\xf3mo bloquear la tasa que le conviene.","bsharedA.pullingTodaysPricing":"Obteniendo los precios de hoy…","bsharedA.noAccessToLoan":"No tiene acceso a este pr\xe9stamo.","bsharedA.pricingFailedToLoad":"No se pudieron cargar los precios.","bsharedA.noEligibleProducts":"No hay productos elegibles en este momento","bsharedA.noEligibleProductsBody":"Ning\xfan prestamista en archivo tiene un producto que coincida con su escenario. Comun\xedquese con su corredor — pueden revisar su solicitud y verificar programas adicionales de prestamistas.","bsharedA.yourBestParRate":"Su Mejor Tasa Par","bsharedA.noDiscountPointsSuffix":"— sin puntos de descuento","bsharedA.onAProduct":"en un {product}","bsharedA.rateLockTagline":"Bloqueo de tasa de {days} d\xedas \xb7 precios mayoristas de su corredor \xb7 no pague nada por adelantado","bsharedA.estimatedMonthlyPI":"Capital e intereses mensuales estimados","bsharedA.discountPoints":"Puntos de descuento","bsharedA.none":"Ninguno","bsharedA.finalPrice":"Precio final","bsharedA.pricingThisScenario":"Calculando el precio de este escenario","bsharedA.scenarioLoan":"Pr\xe9stamo","bsharedA.scenarioProperty":"Propiedad","bsharedA.scenarioOccupancy":"Ocupaci\xf3n","bsharedA.scenarioPurpose":"Prop\xf3sito","bsharedA.allAvailableProducts":"Todos los productos disponibles","bsharedA.allAvailableProductsDesc":"La tasa par (sin puntos) y la tasa reducida m\xe1s baja (pagada con puntos de descuento en el cierre) para cada producto que su corredor puede ofrecer.","bsharedA.rateLadder":"Escala de tasas","bsharedA.rateLadderSubtitle":"Ordenado por tasa nominal, de menor a mayor. Las tasas m\xe1s bajas requieren comprar puntos en el cierre.","bsharedA.colProduct":"Producto","bsharedA.colRate":"Tasa","bsharedA.colPoints":"Puntos","bsharedA.colCostAtClosing":"Costo en el cierre","bsharedA.colLock":"Bloqueo","bsharedA.par":"Par","bsharedA.buyDown":"Tasa reducida","bsharedA.readyToLockRate":"\xbfListo para bloquear una tasa?","bsharedA.readyToLockRateBody":"Hable con su corredor. Puede confirmar la elegibilidad, explicar las ventajas y desventajas entre pagar puntos y una tasa m\xe1s alta, y bloquear su selecci\xf3n en su pr\xe9stamo.","bsharedA.missingCreditScore":"Puntaje de cr\xe9dito (su corredor lo consultar\xe1)","bsharedA.missingLoanAmount":"Monto del pr\xe9stamo (Paso 6 de su solicitud)","bsharedA.missingPropertyValue":"Valor de la propiedad (Paso 6 de su solicitud)","bsharedA.missingOccupancy":"C\xf3mo se usar\xe1 la propiedad (Paso 6)","bsharedA.missingLoanPurpose":"Compra o refinanciamiento (Paso 6)","bsharedA.missingPropertyType":"Tipo de propiedad (Paso 6)","bsharedA.aFewMoreDetailsFirst":"Primero, algunos detalles m\xe1s","bsharedA.weNeedTheseToPullPricing":"Necesitamos estos datos para consultar el precio de hoy. La mayor\xeda se encuentra en su solicitud de pr\xe9stamo — su corredor consulta el cr\xe9dito.","bsharedA.noAccessToLoanTitle":"No tiene acceso a este pr\xe9stamo","bsharedA.pricingDidntLoad":"El precio no se carg\xf3","bsharedA.applicationProgress":"Progreso de la solicitud","bsharedA.fundedSuffix":"(financiado)","bsharedA.computingYourNumbers":"Calculando sus n\xfameros…","bsharedA.numbersNotReady":"Los n\xfameros a\xfan no est\xe1n listos","bsharedA.numbersNotReadyBody":"Su oficial de pr\xe9stamos a\xfan est\xe1 recopilando informaci\xf3n. Una vez que su solicitud est\xe9 completa y se bloquee una tasa, ver\xe1 aqu\xed la estimaci\xf3n de su pago mensual y los \xedndices de calificaci\xf3n.","bsharedA.segLoanPayment":"Pago del pr\xe9stamo","bsharedA.segPropertyTax":"Impuesto sobre la propiedad","bsharedA.segHomeownersInsurance":"Seguro de propietario de vivienda","bsharedA.segMortgageInsurance":"Seguro hipotecario","bsharedA.segHoaDues":"Cuotas de HOA","bsharedA.viewYourLoanDetail

1s":"Ver los detalles de su pr\xe9stamo","bsharedA.yourLoanAtAGlance":"Su pr\xe9stamo de un vistazo","bsharedA.atRatePrefix":"al {rate}% \xb7","bsharedA.loanOnHome":"pr\xe9stamo {loan} sobre una vivienda de {home}","bsharedA.loanOnly":"pr\xe9stamo {loan}","bsharedA.hideLoanDetails":"Ocultar detalles del pr\xe9stamo","bsharedA.hide":"Ocultar","bsharedA.monthlyHousingPayment":"Pago mensual de vivienda","bsharedA.atRate":"al {rate}%","bsharedA.loanAmount":"Monto del pr\xe9stamo","bsharedA.onAHome":"sobre una vivienda de {home}","bsharedA.cashYouKeepEachMonth":"Efectivo que conserva cada mes","bsharedA.afterHousingAndDebts":"despu\xe9s de la vivienda + otras deudas","bsharedA.debtToIncomeLabel":"Relaci\xf3n deuda-ingreso (DTI)","bsharedA.dtiComfortable":"Sus deudas mensuales est\xe1n dentro de un rango c\xf3modo. Los prestamistas suelen verlo de manera favorable.","bsharedA.dtiStandard":"Sus deudas mensuales est\xe1n dentro de los l\xedmites est\xe1ndar de calificaci\xf3n.","bsharedA.dtiAbove43":"Sus deudas superan la l\xednea de comodidad est\xe1ndar del 43%. Algunos prestamistas pueden necesitar documentaci\xf3n adicional.","bsharedA.dtiAbove50":"Sus deudas mensuales superan el techo t\xedpico del 50%. Es posible que debamos ajustar la estructura del pr\xe9stamo.","bsharedA.loanToValueLabel":"Relaci\xf3n pr\xe9stamo-valor (LTV)","bsharedA.ltvBelow80":"Est\xe1 por debajo de la l\xednea del 80% — no se requiere seguro hipotecario. Eso mantiene su pago mensual m\xe1s bajo.","bsharedA.ltvBetween8095":"Est\xe1 por encima del 80%, por lo que el prestamista requerir\xe1 seguro hipotecario (MI). Se refleja en su pago mensual indicado arriba.","bsharedA.ltvAbove95":"Est\xe1 por encima del 95% — este es un pr\xe9stamo de LTV alto y puede tener requisitos adicionales.","bsharedA.whatGoesIntoPayment":"Qu\xe9 incluye su pago mensual de vivienda","bsharedA.qualifyingEstimatesNote":"Estas cifras son estimaciones basadas en los datos de su solicitud. Las cifras finales aparecen en su Closing Disclosure. \xbfPreguntas? Responda a cualquier correo de su oficial de pr\xe9stamos — le llega directamente a \xe9l.","bsharedA.checkingRescissionStatus":"Verificando el estado de rescisi\xf3n…","bsharedA.rightToCancel":"Derecho a cancelar","bsharedA.rescissionWindowClosed":"El plazo de rescisi\xf3n ha cerrado","bsharedA.oneDayLeftToCancel":"Queda 1 d\xeda para cancelar","bsharedA.daysLeftToCancel":"Quedan {days} d\xedas para cancelar","bsharedA.deadlineEndOfDay":"Fecha l\xedmite: {date} (fin del d\xeda)","bsharedA.rescissionLegalPre":"La ley federal (Truth in Lending Act, 15 U.S.C. \xa71635) le otorga","bsharedA.threeBusinessDays":"tres d\xedas h\xe1biles","bsharedA.rescissionLegalPost":"para rescindir este refinanciamiento — es decir, cancelarlo sin penalizaci\xf3n. Despu\xe9s de la fecha l\xedmite, el pr\xe9stamo se financia y no podr\xe1 deshacerlo mediante el proceso de rescisi\xf3n.","bsharedA.rescissionClosedBody":"Su plazo de derecho de rescisi\xf3n de tres d\xedas h\xe1biles ha cerrado. Su pr\xe9stamo ahora puede proceder a la financiaci\xf3n.","bsharedA.earliestFundingDate":"Fecha m\xe1s temprana de financiaci\xf3n","bsharedA.howToCancel":"C\xf3mo cancelar","bsharedA.cancelStep1Pre":"Firme y feche el","bsharedA.noticeOfRightToCancel":"Notice of Right to Cancel","bsharedA.cancelStep1Post":"formulario (incluido con sus documentos de cierre) y entr\xe9guelo a su prestamista por correo, fax, telegrama u otro medio escrito ANTES de la medianoche de la fecha l\xedmite indicada arriba.","bsharedA.cancelStep2":"Si cancela, el prestamista debe devolverle cualquier dinero o propiedad que le haya entregado y liberar cualquier garant\xeda dentro de 20 d\xedas. No paga ninguna tarifa de cancelaci\xf3n.","bsharedA.cancelDisclaimer":"Este resumen es solo para informaci\xf3n general; base sus decisiones en el formulario impreso Notice of Right to Cancel para conocer los requisitos procesales exactos.","bsharedA.resourceIncomeTitle":"C\xf3mo se cuenta su ingreso","bsharedA.resourceIncomeBlurb":"Desglose l\xednea por l\xednea del ingreso calificable con los c\xe1lculos detr\xe1s de cada fuente.","bsharedA.resourceDocsTitle":"Documentos que a\xfan debe proporcionar","bsharedA.resourceDocsBlurb":"Lista en una sola pantalla de cada solicitud de documento pendiente, con el tiempo que llevan esperando.","bsharedA.resourceDisclosuresTitle":"Loan Estimate y Closing Disclosure","bsharedA.resourceDisclosuresBlurb":"Vea, descargue y acuse recibo de las divulgaciones requeridas a nivel federal para su pr\xe9stamo.","bsharedA.resourcesForYou":"Recursos para usted","bsharedA.resourcesSubtitle":"Vistas detalladas de las partes de su pr\xe9stamo que suelen generar m\xe1s preguntas.","bsharedA.sendFailed":"Error al enviar","bsharedA.loadingYourMessages":"Cargando sus mensajes…","bsharedA.messageYourBroker":"Env\xede un mensaje a su corredor","bsharedA.noMessagesYet":"A\xfan no hay mensajes","bsharedA.sendQuestionBrokerPinged":"Env\xede una pregunta y se notificar\xe1 a su corredor.","bsharedA.typeAMessage":"Escriba un mensaje…","bsharedA.sendMessage":"Enviar mensaje","bsharedA.welcomeNamed":"Bienvenido, {name}","bsharedA.getStarted":"Comenzar","bsharedA.welcomeModalBody":"A\xfan no tenemos una solicitud de pr\xe9stamo activa archivada para usted. Puede comenzar la solicitud hipotecaria 1003 completa ahora, o saltar a su panel y comenzar m\xe1s tarde.","bsharedA.recommended":"Recomendado","bsharedA.start1003Application":"Iniciar la solicitud 1003","bsharedA.beginMortgageForm":"Comenzar el formulario hipotecario","bsharedA.skipForNow":"Omitir por ahora","bsharedA.enterBorrowerDashboard":"Entrar al panel del prestatario","bsharedA.lookAroundFirst":"Eche un vistazo primero; puede comenzar la solicitud desde el panel m\xe1s tarde.","bsharedA.cashToCloseSummary":"Resumen del efectivo para cerrar","bsharedA.wireNullStateLine1":"Su corredor confirmar\xe1 su monto exacto de efectivo para cerrar 1–2 d\xedas antes del cierre.","bsharedA.wireNullStateLine2":"Las cifras en su Closing Disclosure son su estimaci\xf3n actual.","bsharedA.wireDownPayment":"Pago inicial","bsharedA.wireClosingCosts":"Costos de cierre","bsharedA.wirePrepaidItems":"Conceptos prepagados","bsharedA.wireEscrowDeposit":"Dep\xf3sito en plica (escrow)","bsharedA.wireTotal":"Total","bsharedA.cashToCloseAria":"efectivo para cerrar {amount}","bsharedA.wireDispatchedLine1":"Su corredor ha enviado sus instrucciones de transferencia a la compa\xf1\xeda de t\xedtulos.","bsharedA.wireDispatchedLine2":"Su efectivo exacto para cerrar est\xe1 en su Closing Disclosure — confirme el monto con su corredor antes de enviar cualquier fondo.","bsharedA.fundsTo":"Fondos a:","bsharedA.howToPay":"C\xf3mo pagar:","bsharedA.cashiersCheckOrWire":"Cheque de caja o transferencia bancaria","bsharedA.sentByBroker":"Enviado por el corredor:","bsharedA.wireFraudWarning":"Advertencia de fraude por transferencia","bsharedA.wireFraudPre":"Los estafadores interceptan correos electr\xf3nicos y env\xedan instrucciones de transferencia falsas.","bsharedA.wireFraudBold":"Llame siempre a la compa\xf1\xeda de t\xedtulos a un n\xfamero de tel\xe9fono que haya encontrado de forma independiente","bsharedA.wireFraudPost":"— nunca desde un correo electr\xf3nico. Una vez enviada una transferencia, recuperarla es casi imposible.","bsharedA.wireFraudNeverAsk":"Unified Loan System nunca le pedir\xe1 transferir fondos a una nueva cuenta por correo electr\xf3nico.","bsharedA.countdownOnSchedule":"Seg\xfan lo previsto","bsharedA.countdownClosingSoon":"Cierre pr\xf3ximo — terminemos los detalles pendientes","bsharedA.countdownClosingThisWeek":"Cierre esta semana","bsharedA.congratsOnClosing":"Felicidades por el cierre","bsharedA.daySinceClosing":"D\xeda desde el cierre","bsharedA.daysSinceClosing":"D\xedas desde el cierre","bsharedA.todayIsTheDay":"Hoy es el gran d\xeda","bsharedA.dayUntilYourKeys":"D\xeda para recibir sus llaves","bsharedA.daysUntilYourKeys":"D\xedas para recibir sus llaves","bsharedA.closingCountdown":"Cuenta regresiva para el cierre","bsharedA.confirmedClosingDate":"Fecha de cierre confirmada","bsharedA.allConditionsCleared":"Todas las condiciones resueltas","bsharedA.itemStillOpenOne":"{count}

1 elemento a\xfan pendiente","bsharedA.itemStillOpenMany":"{count} elementos a\xfan pendientes","bsharedA.brokerReachOutBeforeClose":"Su corredor se comunicar\xe1 con usted antes del cierre.","bsharedA.youreSetSitBack":"Todo listo — rel\xe1jese y nosotros nos encargamos del resto.","bsharedA.loadingClosingSchedule":"Cargando el cronograma de cierre…","bsharedA.failedToSubmitProposal":"No se pudo enviar la propuesta","bsharedA.failedToAcceptCounter":"No se pudo aceptar la contraoferta","bsharedA.failedToRejectCounter":"No se pudo rechazar la contraoferta","bsharedA.failedToRepropose":"No se pudo volver a proponer","bsharedA.pickNewClosingDate":"Elija una nueva fecha de cierre","bsharedA.pickClosingDate":"Elija una fecha de cierre","bsharedA.previousDatePassedOn":"Su corredor descart\xf3 su fecha anterior.","bsharedA.reasonLabel":"Motivo:","bsharedA.pickWeekdayHint":"Elija un d\xeda entre semana, al menos 7 d\xedas a partir de hoy. La mayor\xeda de los pr\xe9stamos cierran en 30–45 d\xedas — el corredor podr\xeda proponer una fecha diferente seg\xfan lo que sea realista.","bsharedA.proposedClosingDate":"Fecha de cierre propuesta","bsharedA.notesForBrokerOptional":"Notas para su corredor (opcional)","bsharedA.closingNotesPlaceholder":"Opcional — \xbfalgo que su corredor deba saber? (a\xf1o escolar, fin de contrato de alquiler, etc.)","bsharedA.sendToBroker":"Enviar al corredor","bsharedA.awaitingBrokerReview":"Esperando la revisi\xf3n del corredor","bsharedA.proposedTimeAgo":"Propuesto {time}. Su corredor confirmar\xe1 o sugerir\xe1 una fecha diferente.","bsharedA.brokerSuggestedDifferentDate":"El corredor sugiri\xf3 una fecha diferente","bsharedA.youProposed":"Usted propuso","bsharedA.brokerSuggests":"El corredor sugiere","bsharedA.acceptDate":"Aceptar fecha","bsharedA.pickAnother":"Elegir otra","bsharedA.walkAway":"Rechazar","bsharedA.yourProposedClosingDate":"Su fecha de cierre propuesta","bsharedA.reproposeNotesPlaceholder":"Opcional — \xbfalgo que su corredor deba saber sobre esta nueva fecha?","bsharedA.sendNewDate":"Enviar nueva fecha","bsharedA.reasonForDeclining":"Motivo para rechazar esta fecha (opcional)","bsharedA.rejectReasonPlaceholder":"Opcional — \xbfpor qu\xe9 rechaza esta fecha?","bsharedA.walkAwayFromDate":"Rechazar esta fecha","bsharedA.closingScheduled":"Cierre programado","bsharedA.confirmedTimeAgo":"Confirmado {time}","bsharedA.closingScheduledBody":"Su corredor est\xe1 fijando ahora los plazos de TRID y de la divulgaci\xf3n de cierre. Le avisaremos cuando la solicitud de firma electr\xf3nica del paquete de cierre llegue a su bandeja de entrada.","bsharedA.goToClosingRoom":"Ir a su sala de cierre","bsharedA.justNow":"ahora mismo","bsharedA.closingDayWalkthrough":"Gu\xeda del d\xeda de cierre","bsharedA.statusNow":"Ahora","bsharedA.openInMaps":"Abrir en Maps","bsharedA.closingDayPrep":"Preparaci\xf3n para el d\xeda de cierre","bsharedA.whatYoullNeedOn":"Lo que necesitar\xe1 el {date}","bsharedA.bringOrHaveReady":"Traiga o tenga listo","bsharedA.prepIdTitle":"Identificaci\xf3n con foto emitida por el gobierno","bsharedA.prepIdDetail":"Licencia de conducir o pasaporte. Debe estar vigente. Cada co-prestatario trae el suyo.","bsharedA.prepCheckTitle":"Cheque de caja o confirmaci\xf3n de transferencia","bsharedA.prepCheckDetail":"Su oficial de pr\xe9stamos le dar\xe1 el monto exacto de efectivo para el cierre 1–2 d\xedas antes. No haga transferencias desde un cheque personal — las compa\xf1\xedas de t\xedtulos suelen exigir fondos certificados.","bsharedA.prepInsuranceTitle":"P\xf3liza de seguro de propietario de vivienda","bsharedA.prepInsuranceDetail":"El primer a\xf1o se paga en el cierre. Si a\xfan no ha contratado una p\xf3liza, h\xe1galo esta semana.","bsharedA.prepCoborrowerTitle":"Disponibilidad del co-prestatario / c\xf3nyuge","bsharedA.prepCoborrowerDetail":"Cualquier persona en el pr\xe9stamo debe estar presente (en persona o mediante notarizaci\xf3n remota en l\xednea).","bsharedA.wireFraudIsReal":"El fraude por transferencia es real — verifique las instrucciones de transferencia en persona","bsharedA.wireFraudPrepPre":"Los estafadores env\xedan correos electr\xf3nicos que se ven exactamente como los de su compa\xf1\xeda de t\xedtulos, pidi\xe9ndole transferir fondos a su cuenta.","bsharedA.wireFraudPrepPost":"(no desde ning\xfan correo electr\xf3nico) y confirme verbalmente las instrucciones de transferencia antes de enviar. Una vez que se env\xeda una transferencia, es casi imposible recuperarla.","bsharedA.coborrowerAdded":"Co-prestatario agregado","bsharedA.joinedAsYour":"se uni\xf3 como su {relationship}","bsharedA.coborrowerWord":"co-prestatario","bsharedA.relSpouse":"C\xf3nyuge","bsharedA.relDomesticPartner":"Pareja de hecho","bsharedA.relParent":"Padre/Madre","bsharedA.relSibling":"Hermano/a","b

1sharedA.relOther":"Otro","bsharedA.statusPending":"Pendiente","bsharedA.statusAccepted":"Aceptado","bsharedA.statusExpired":"Vencido","bsharedA.statusRevoked":"Revocado","bsharedA.failedToSendInvitation":"No se pudo enviar la invitaci\xf3n","bsharedA.inviteSentTo":"Invitaci\xf3n enviada a {email} — tienen 7 d\xedas para aceptar.","bsharedA.revokeConfirm":"\xbfRevocar esta invitaci\xf3n? El destinatario ya no podr\xe1 usar el enlace.","bsharedA.revokeFailed":"No se pudo revocar","bsharedA.resendFailed":"No se pudo reenviar","bsharedA.invitationResent":"Invitaci\xf3n reenviada. El enlace original sigue funcionando; solo extendimos la fecha de vencimiento.","bsharedA.namedSectionProgress":"Progreso de la secci\xf3n de {name}","bsharedA.theirSectionProgress":"Progreso de su secci\xf3n","bsharedA.hasntOpenedYet":"\xb7 a\xfan no la ha abierto","bsharedA.theyCanFinishAt":"Pueden terminar en cualquier momento en","bsharedA.addACoborrower":"Agregar un co-prestatario","bsharedA.coborrowerBoostIncome":"Agregar a un c\xf3nyuge o pareja puede aumentar su ingreso calificable y ayudarle a comprar m\xe1s.","bsharedA.invite":"Invitar","bsharedA.expiresOn":"Vence el {date}","bsharedA.resendInvitationAria":"Reenviar invitaci\xf3n — mismo enlace, nuevo vencimiento de 7 d\xedas","bsharedA.revokeInvitationAria":"Revocar invitaci\xf3n — el enlace deja de funcionar inmediatamente","bsharedA.firstName":"Nombre","bsharedA.firstNamePlaceholder":"Jane","bsharedA.lastName":"Apellido","bsharedA.lastNamePlaceholder":"Doe","bsharedA.emailLabel":"Correo electr\xf3nico","bsharedA.coborrowerEmailPlaceholder":"[email protected]","bsharedA.relationship":"Relaci\xf3n","bsharedA.sendInvite":"Enviar invitaci\xf3n","bsharedA.emptyClickPre":"Haga clic en","bsharedA.emptyClickPost":"para enviar un correo electr\xf3nico — su co-prestatario crea su propia cuenta para completar su secci\xf3n de la solicitud. Nunca ven su contrase\xf1a ni su informaci\xf3n sensible.","bsharedA.priorInvitations":"Invitaciones anteriores","bsharedA.yourProgress":"Su progreso","bsharedA.countOfTotal":"{count} de {total}","bsharedA.pctComplete":"{pct}% completado","bsharedA.nextUp":"A continuaci\xf3n","bsharedA.dueDate":"Vence el {date}","bsharedA.startThis":"Comenzar esto →","bsharedA.allConditionsComplete":"\xa1Todas las condiciones completas!","bsharedA.loanOfficerWhatsNext":"Su oficial de pr\xe9stamos le informar\xe1 qu\xe9 sigue.","bsharedA.disclosuresAndConsent":"Divulgaciones y consentimiento","bsharedA.reviewAndAcceptDisclosures":"Revise y acepte las siguientes divulgaciones para continuar con su solicitud.","bsharedA.consentESignTitle":"Consentimiento de firma electr\xf3nica","bsharedA.consentESignDesc":"Acepto recibir divulgaciones y comunicaciones electr\xf3nicamente y consiento firmar documentos electr\xf3nicamente. Entiendo que puedo retirar este consentimiento en cualquier momento.","bsharedA.consentCreditAuthTitle":"Autorizaci\xf3n de cr\xe9dito","bsharedA.consentCreditAuthDesc":'Autorizo al prestamista a obtener un informe de cr\xe9dito del consumidor para evaluar mi elegibilidad para un pr\xe9stamo hipotecario. Esto puede ser una "consulta suave" que no afecta mi puntaje inicialmente.',"bsharedA.consentTermsTitle":"T\xe9rminos del servicio","bsharedA.consentTermsDesc":"Verifico que la informaci\xf3n proporcionada es verdadera y correcta. Acepto los T\xe9rminos del Servicio y la Pol\xedtica de Privacidad.","bsharedA.tcpaAuthTitle":"Mensajes de seguridad y autenticaci\xf3n","bsharedA.tcpaLoanStatusTitle":"Estado del pr\xe9stamo y actualizaciones operativas","bsharedA.tcpaDocSigningTitle":"Recordatorios de documentos, cierre y firma electr\xf3nica","bsharedA.requiredBadge":"Requerido","bsharedA.acceptedCheck":"Aceptado ✓","bsharedA.optionalSmsNotifications":"Notificaciones SMS opcionales","bsharedA.smsConsentNotRequired":"No se requiere consentimiento para recibir mensajes de texto. Puede elegir cualquier combinaci\xf3n de las categor\xedas a continuaci\xf3n.","bsharedA.requiredAgreementsAccepted":"{accepted} de {total} acuerdos requeridos aceptados","bsharedA.yourLoanOfficerName":"Su oficial de pr\xe9stamos","bsharedA.messageNotSent":"Mensaje no envi

1ado","bsharedA.somethingWentWrong":"Algo sali\xf3 mal. Int\xe9ntelo de nuevo.","bsharedA.phoneNumber":"N\xfamero de tel\xe9fono","bsharedA.phone":"Tel\xe9fono","bsharedA.loanOfficerRole":"Oficial de pr\xe9stamos","bsharedA.sendMessageBelowGetBack":"Env\xede un mensaje a continuaci\xf3n y su oficial de pr\xe9stamos le responder\xe1.","bsharedA.sendAMessage":"Enviar un mensaje","bsharedA.askQuestionRequestCall":"Haga una pregunta o solicite que le devuelvan la llamada.","bsharedA.topic":"Tema","bsharedA.topicGeneralInquiry":"Consulta general","bsharedA.topicRateQuote":"Cotizaci\xf3n de tasa","bsharedA.topicPreApprovalStatus":"Estado de preaprobaci\xf3n","bsharedA.topicDocumentQuestion":"Pregunta sobre documentos","bsharedA.topicScheduleCall":"Programar una llamada","bsharedA.messageLabel":"Mensaje","bsharedA.contactPlaceholder":"Hola {name}, tengo una pregunta sobre... (o toque el micr\xf3fono para dictar)","bsharedA.sendMessageTitle":"Enviar mensaje","bsharedA.messageSentExclaim":"\xa1Mensaje enviado!","bsharedA.thanksForReachingOut":"Gracias por contactarnos. {name} le dar\xe1 seguimiento aqu\xed.","bsharedA.close":"Cerrar","bsharedA.dataDiscrepancyDetected":"Discrepancia de datos detectada","bsharedA.aiFoundMismatch":"Nuestra IA encontr\xf3 una discrepancia entre su solicitud y el documento cargado.","bsharedA.inApplication":"En la solicitud","bsharedA.emptyValue":"(Vac\xedo)","bsharedA.inDocument":"En el documento","bsharedA.keepMyValue":"Mantener mi valor","bsharedA.reviewAndFix":"Revisar y corregir","bsharedA.moreDiscrepancyOne":"{count} discrepancia m\xe1s encontrada","bsharedA.moreDiscrepancyMany":"{count} discrepancias m\xe1s encontradas","bsharedA.docNeedsSecondLookOne":"{count} documento necesita una segunda revisi\xf3n","bsharedA.docNeedsSecondLookMany":"{count} documentos necesitan una segunda revisi\xf3n","bsharedA.openReviewPage":"Abra la p\xe1gina de revisi\xf3n para confirmar o corregir.","bsharedA.allCaughtUp":"Todo al d\xeda","bsharedA.nothingNeedsSignature":"Nada necesita su firma o revisi\xf3n en este momento. Su oficial de pr\xe9stamos le avisar\xe1 cuando llegue algo nuevo.","bsharedA.actionRequired":"Acci\xf3n requerida","bsharedA.pendingReview":"Revisi\xf3n pendiente","bsharedA.documentsNeedAttention":"Documentos que requieren su atenci\xf3n","bsharedA.itemWaitingOne":"{count} elemento esperando que usted lo revise o firme.","bsharedA.itemWaitingMany":"{count} elementos esperando que usted los revise o firme.","bsharedA.newBadge":"Nuevo","bsharedA.complete":"Completo","bsharedA.review":"Revisar","bsharedA.needsYourAttention":"Requiere su atenci\xf3n","bsharedA.nMissing":"{count} faltante(s)","bsharedA.nMore":"+{count} m\xe1s","bsharedA.viewAllDocuments":"Ver los {count} documentos","bsharedA.hintFromPriorLoan":"De un pr\xe9stamo anterior","bsharedA.hintFromDocument":"Del documento","bsharedA.hintHeadsUp":"Aviso","bsharedA.applied":"Aplicado","bsharedA.useThis":"Usar esto","bsharedA.dismissHint":"Descartar sugerencia","bsharedA.boxCounter":"Casilla {current}/{total}","bsharedA.closeGuidance":"Cerrar gu\xeda","bsharedA.optionalBadge":"Opcional","bsharedA.filled":"Completado","bsharedA.askVeraAboutThis":"Preg\xfantele a Breeze sobre esto","bsharedA.backArrow":"← Atr\xe1s","bsharedA.doneWithGuidance":"Listo con la gu\xeda","bsharedA.finish":"Finalizar","bsharedA.leftTheGuideContinue":"Parece que sali\xf3 de la gu\xeda. \xbfContinuar?","bsharedA.dismissGuideResume":"Descartar el aviso de reanudar la gu\xeda","bsharedA.fundingDocsSigned":"Documentos firmados","bsharedA.fundingWireSent":"Transferencia enviada","bsharedA.fundingLoanFunded":"Pr\xe9stamo financiado","bsharedA.fundingStatusAria":"Estado de financiaci\xf3n: {status}","bsharedA.fundingStatus":"Estado de financiaci\xf3n","bsharedA.checkingForUpdates":"Buscando actualizaciones…","bsharedA.glossarySearchPlaceholder":"Buscar t\xe9rminos (p. ej. APR, dep\xf3sito en garant\xeda, preaprobaci\xf3n)…","bsharedA.noTermsMatched":"Ning\xfan t\xe9rmino coincidi\xf3 con “{query}”.","bsharedA.aka":"tambi\xe9n conocido como {list}","bsharedA.seeAlso":"V\xe9ase tambi\xe9n: {list}","bsharedA.guidedMode":"Modo guiado","bsharedA.stepNumber":"Paso {number}","bsharedA.expandGuidance":"Expandir gu\xeda","bsharedA.collapseGuidance":"Contraer gu\xeda","bsharedA.turnOffGuidance":"Desactivar gu\xeda","bsharedA.whatToKnow":"Qu\xe9 saber","bsharedA.basedOnWhatYouEntered":"Seg\xfan lo que ingres\xf3","bsharedA.skipThisSection":"Omitir esta secci\xf3n por ahora","bsharedA.turnOnGuidance":"Activar gu\xeda","bsharedA.pullingInsuranceQuotes":"Obteniendo cotizaciones de seguro…","bsharedA.quotesForYourAddress":"{count} cotizaciones para su direcci\xf3n","bsharedA.insuranceRequiredAtClosing":"Requerido al cierre. Aqu\xed tiene una estimaci\xf3n aproximada de lo que podr\xeda costar la cobertura para su propiedad para que pueda planificar su presupuesto; usted elegir\xe1 y contratar\xe1 una p\xf3liza con la aseguradora (su oficial de pr\xe9stamos puede ayudarle) antes del cierre.","bsharedA.coverageLine":"Vivienda {dwelling} \xb7 Contenido {contents} \xb7 Responsabilidad {liability} \xb7 Deducible {deductible}","bsharedA.perYearEst":"/ a\xf1o aprox.","bsharedA.quotesIllustrative":"Las cotizaciones son ilustrativas hasta que se integren las aseguradoras. La contrataci\xf3n real la gestiona la aseguradora que usted seleccione.","bsharedA.ratingAria":"Calificaci\xf3n: {rating} de 5","bsharedA.viewYourLoanEstimate":"Ver su Estimaci\xf3n de Pr\xe9stamo","bsharedA.skipToYour":"Saltar a su {label}","bsharedA.openAction":"Abrir {label}","bsharedA.newActionRequired":"Nuevo \xb7 Acci\xf3n requerida","bsharedA.pendingShort":"Pendiente","bsharedA.dismiss":"Descartar","bsharedA.healthExcellent":"Excelente","bsharedA.healthExcellentSub":"Va sobre ruedas — casi no le queda nada por hacer.","bsharedA.healthOnTrack":"En camino","bsharedA.healthOnTrackSub":"Quedan algunos detalles peque\xf1os, pero lo m\xe1s importante ya est\xe1 hecho.","bsharedA.healthNeedsAttention":"Requiere atenci\xf3n","bsharedA.healthNeedsAttentionSub":"Completar un par de elementos m\xe1s le har\xe1 avanzar r\xe1pido.","bsharedA.healthActionRequired":"Acci\xf3n requerida","bsharedA.healthActionRequiredSub":"Atendamos los elementos pendientes para que el pr\xe9stamo siga avanzando.","bsharedA.loanHealthScoreAria":"Puntuaci\xf3n de salud del pr\xe9stamo: {score} de 100, {band}","bsharedA.loanHealth":"Salud del pr\xe9stamo","bsharedA.quickestWins":"Lo m\xe1s r\xe1pido para subir su puntuaci\xf3n","bsharedA.hide

1ScoreBreakdown":"Ocultar desglose de puntuaci\xf3n","bsharedA.howIsScoreCalculated":"\xbfC\xf3mo se calcula esta puntuaci\xf3n?","bsharedA.yourLoanOfficer":"Su oficial de pr\xe9stamos","bsharedA.nmlsId":"NMLS {id}","bsharedA.actionEmail":"Correo electr\xf3nico","bsharedA.actionCall":"Llamar","bsharedA.actionMessage":"Mensaje","bsharedA.loanOfficerHereToHelp":"Su oficial de pr\xe9stamos est\xe1 aqu\xed para ayudarle. Ll\xe1mele en cualquier momento durante el horario laboral.","bsharedA.veraHelpWriteThis":"Breeze, ay\xfadame a escribir esto","bsharedA.draftingFailed":"Fall\xf3 la redacci\xf3n","bsharedA.letterOfExplanation":"Carta de explicaci\xf3n","bsharedA.forCondition":"Para: {title}","bsharedA.whatUnderwritingNeeds":"Lo que la suscripci\xf3n necesita que se explique","bsharedA.anythingInYourWords":"\xbfAlgo que quiera decir con sus propias palabras?","bsharedA.optional":"(opcional)","bsharedA.loeContextPlaceholder":"p. ej. El pago atrasado se debi\xf3 a una hospitalizaci\xf3n en marzo, de la cual ya me he recuperado por completo. Nunca he dejado de pagar antes ni despu\xe9s.","bsharedA.helpsVeraWrite":"Ayuda a Breeze a escribir la carta con precisi\xf3n. Cuanto m\xe1s contexto d\xe9, mejor ser\xe1 el borrador.","bsharedA.veraDraftedTone":"Breeze redact\xf3 esto en un tono {tone}.","bsharedA.editAnything":"Edite cualquier cosa que no suene a usted.","bsharedA.loeTipReplace":'Consejo: reemplace cualquier marcador "[fill in: …]" con sus datos reales antes de enviar.',"bsharedA.copied":"\xa1Copiado!","bsharedA.copyLetter":"Copiar carta","bsharedA.drafting":"Redactando…","bsharedA.reDraft":"Volver a redactar","bsharedA.draftMyLetter":"Redactar mi carta","bsharedA.stageApplication":"Solicitud","bsharedA.stagePriced":"Cotizado","bsharedA.stageLeIssued":"LE emitida","bsharedA.stageAus":"AUS","bsharedA.stageSubmitted":"Enviado","bsharedA.stageCdIssued":"CD emitida","bsharedA.stageSigned":"Firmado","bsharedA.stageFunded":"Financiado","bsharedA.vsNotStarted":"No iniciado","bsharedA.vsInProgress":"En curso","bsharedA.vsAwaitingResponse":"Esperando respuesta","bsharedA.vsComplete":"Completo","bsharedA.vsNeedsAttention":"Requiere atenci\xf3n","bsharedA.ownerYou":"Usted","bsharedA.ownerBroker":"Corredor","bsharedA.ownerLender":"Prestamista","bsharedA.ownerVendor":"Proveedor","bsharedA.ownerOnTrack":"En curso","bsharedA.pillFunded":"Financiado","bsharedA.pillOnTrack":"En curso","bsharedA.pillInProgress":"En curso","bsharedA.yourLoanStatus":"Estado de su pr\xe9stamo","bsharedA.stageLabel":"Etapa: {stage}","bsharedA.dayOfPrefix":"D\xeda","bsharedA.dayOfSuffix":"de ~{total}","bsharedA.daysToClose":"d\xedas para cerrar","bsharedA.refreshStatus":"Actualizar estado","bsharedA.onTrackNothingToDo":"Va por buen camino: no hay nada que hacer ahora mismo","bsharedA.currentlyWaitingOn":"Actualmente esperando a {owner}","bsharedA.takeAction":"Tomar acci\xf3n","bsharedA.tapAnyStepBelow":"Toque cualquier paso a continuaci\xf3n","bsharedA.getInsightsTailored":"para obtener informaci\xf3n adaptada a su pr\xe9stamo","bsharedA.recommendedDot":"\xb7 recomendado","bsharedA.expectedTodayTitle":"D\xf3nde estar\xeda hoy en un cronograma de pr\xe9stamo promedio","bsharedA.expected":"Esperado","bsharedA.yourCurrentStage":"Etapa actual de su pr\xe9stamo","bsharedA.youAreHere":"Usted est\xe1 aqu\xed","bsharedA.whatHappensAtStage":"\xbfQu\xe9 sucede en la etapa de {stage}?","bsharedA.signedPill":"Firmado","bsharedA.legend":"Leyenda","bsharedA.legendActualStage":"— etapa real","bsharedA.legendTypicalPace":"— ritmo t\xedpico","bsharedA.daysBehind":"\xb7 {days} d de retraso","bsharedA.daysAhead":"\xb7 {days} d de adelanto","bsharedA.rightOnSchedule":"\xb7 justo a tiempo","bsharedA.loanFundedCongrats":"Pr\xe9stamo financiado \xb7 \xa1felicitaciones!","bsharedA.fileClosedWelcomeHome":"Su expediente se cerr\xf3 y se financi\xf3: bienvenido a casa.","bsharedA.openRequests":"Solicitudes abiertas","bsharedA.needsAttention":"Requiere atenci\xf3n","bsharedA.itemToAddress":"elemento por atender","bsharedA.itemsToAddress":"elementos por atender","bsharedA.laneFlagged":"v\xeda marcada","bsharedA.lanesFlagged":"v\xedas marcadas","bsharedA.allClear":"todo despejado","bsharedA.inProgressTile":"En curso","b

1sharedA.laneActive":"v\xeda activa","bsharedA.lanesActive":"v\xedas activas","bsharedA.completeTile":"Completo","bsharedA.laneCleared":"v\xeda despejada","bsharedA.lanesCleared":"v\xedas despejadas","bsharedA.hideLoanLaneDetails":"Ocultar detalles de las v\xedas del pr\xe9stamo","bsharedA.showLoanLaneDetails":"Mostrar todos los detalles de las v\xedas del pr\xe9stamo","bsharedA.hideDetails":"Ocultar detalles","bsharedA.seeFullDetailsLanes":"Ver todos los detalles ({lanes} v\xedas","bsharedA.plusRequestOne":" + {count} solicitud","bsharedA.plusRequestMany":" + {count} solicitudes","bsharedA.closeParen":")","bsharedA.whatsHappeningLaneByLane":"Qu\xe9 est\xe1 sucediendo, v\xeda por v\xeda","bsharedA.etaPrefix":"Fecha estimada {eta}","bsharedA.openRequestsCount":"Solicitudes abiertas ({count})","bsharedA.openDays":"Abierto {days} d","bsharedA.daysOverdue":"{days} d de retraso","bsharedA.dueInDays":"Vence en {days} d","bsharedA.closeStageDetails":"Cerrar detalles de la etapa","bsharedA.loadingStageDetails":"Cargando detalles de la etapa y personalizando para su pr\xe9stamo…","bsharedA.upcoming":"Pr\xf3ximo","bsharedA.stageWord":"Etapa","bsharedA.whatHappensAtThisStage":"Qu\xe9 sucede en esta etapa","bsharedA.verasTakeOnYourLoan":"La opini\xf3n de Breeze sobre SU pr\xe9stamo en esta etapa","bsharedA.whatYouNeededToBring":"Lo que necesitaba aportar","bsharedA.whatToPrepare":"Qu\xe9 preparar","bsharedA.commonGotchas":"Problemas comunes que debe conocer","bsharedA.openTileDetails":"Abrir detalles de {label}","bsharedB.pickDateTimeFirst":"Primero elige una fecha y hora","bsharedB.scheduleFailed":"No se pudo programar","bsharedB.cancelNotaryConfirm":"\xbfCancelar esta cita con el notario?","bsharedB.cancelFailed":"No se pudo cancelar","bsharedB.loadingNotary":"Cargando notario…","bsharedB.notarySigning":"Firma ante notario","bsharedB.scheduleYourAppointment":"Programa tu cita","bsharedB.notaryPickIntro":"Elige c\xf3mo quieres firmar: la Notarizaci\xf3n Remota en L\xednea (RON) te permite firmar desde cualquier lugar por videollamada, o programa un notario en persona cerca de ti.","bsharedB.scheduleNotary":"Programar notario","bsharedB.remoteRon":"Remoto (RON)","bsharedB.ronSub":"Firma por videollamada desde casa","bsharedB.inPerson":"En persona","bsharedB.inPersonSub":"Un notario m\xf3vil va a tu domicilio","bsharedB.notaryNotesPlaceholder":"\xbfAlgo que deba saber el notario? (estacionamiento, accesibilidad, etc.)","bsharedB.schedule":"Programar","bsharedB.statusConfirmed":"Confirmada","bsharedB.statusScheduled":"Programada","bsharedB.minuteSession":"Sesi\xf3n de {minutes} minutos","bsharedB.notaryLabel":"Notario:","bsharedB.openSigningLink":"Abrir enlace de firma","bsharedB.mobileNotaryArrival":"Un notario m\xf3vil llegar\xe1 a tu domicilio unos 5 minutos antes de la hora de la cita. Lleva una identificaci\xf3n oficial con foto y cualquier documento de efectivo para el cierre.","bsharedB.testEnvironment":"Entorno de prueba","bsharedB.offlineChangesSaved":"Sin conexi\xf3n — cambios guardados localmente","bsharedB.syncing":"Sincronizando…","bsharedB.synced":"Sincronizado","bsharedB.checkingActionItems":"Revisando tus tareas pendientes…","bsharedB.brokerHasEverything":"Tu corredor tiene todo lo que necesita de ti en este momento.","bsharedB.actionItemWaiting":"tarea pendiente que requiere tu atenci\xf3n","bsharedB.actionItemsWaiting":"tareas pendientes que requieren tu atenci\xf3n","bsharedB.tapToSeeList":"Toca para ver la lista completa — la mayor\xeda toma un par de minutos.","bsharedB.bankLinkedPulling":"Banco vinculado — obteniendo tus cuentas ahora.","bsharedB.bankLinkFailed":"No pudimos terminar de vincular tu banco. Int\xe9ntalo de nuevo o usa la carga manual.","bsharedB.bankConnectionFailed":"Fall\xf3 la conexi\xf3n con el banco. Int\xe9ntalo de nuevo o sube los estados de cuenta manualmente.","bsharedB.bankSessionEnded":"Tu sesi\xf3n bancaria termin\xf3 inesperadamente. Int\xe9ntalo de nuevo o sube los estados de cuenta.","bsharedB.signInAgainConnect":"Vuelve a iniciar sesi\xf3n para conectar tu banco.","bsharedB.bankLinkingUnavailable":"La vinculaci\xf3n bancaria no est\xe1 disponible por el momento. Int\xe9ntalo de nuevo en un minuto o sube los estados de cuenta manualmente.","bsharedB.bankLinkTooMany":"Demasiados intentos: espera unos minutos e int\xe9ntalo de nuevo.","bsharedB.bankLinkStartError":"No se pudo iniciar la vinculaci\xf3n bancaria (error {status}). Int\xe9ntalo de nuevo o sube los estados de cuenta.","bsharedB.encrypting

1Connection":"Cifrando conexi\xf3n…","bsharedB.verifyingIdentity":"Verificando identidad…","bsharedB.connectBankAuto":"Conectar cuenta bancaria autom\xe1ticamente","bsharedB.disconnecting":"Desconectando…","bsharedB.disconnectBank":"Desconectar banco","bsharedB.yourBank":"tu banco","bsharedB.close":"Cerrar","bsharedB.headsUp":"Atenci\xf3n","bsharedB.disconnectName":"\xbfDesconectar {name}?","bsharedB.disconnectDeleteData":"Eliminaremos los estados de cuenta bancarios, los datos de identidad y el informe de activos que obtuvimos de Plaid.","bsharedB.disconnectReconnectAnytime":"Puedes volver a conectarte en cualquier momento — el progreso de tu pr\xe9stamo se mantiene intacto.","bsharedB.disconnectAutoFillsManual":"Desconectarte no cancelar\xe1 tu solicitud, pero cualquier dato autocompletado con tu banco deber\xe1 ingresarse manualmente hasta que vuelvas a conectarte.","bsharedB.keepConnected":"Mantener conectado","bsharedB.yesDisconnect":"S\xed, desconectar","bsharedB.fromYourBank":"De tu banco","bsharedB.accountFound":"{count} cuenta encontrada","bsharedB.accountsFound":"{count} cuentas encontradas","bsharedB.accountFallback":"Cuenta","bsharedB.importHasManual":"\xbfC\xf3mo te gustar\xeda usarlas? Tus cuentas ingresadas se conservan a menos que elijas reemplazarlas.","bsharedB.importNoManual":"Agr\xe9galas a tu solicitud o sigue ingres\xe1ndolas t\xfa mismo.","bsharedB.addToMyList":"Agregar a mi lista","bsharedB.replaceMyEntries":"Reemplazar mis entradas con estas","bsharedB.keepWhatIEntered":"Conservar lo que ingres\xe9","bsharedB.noThanksEnter":"No, gracias, las ingresar\xe9 yo","bsharedB.bankReconnected":"Banco reconectado — los datos de tu pr\xe9stamo est\xe1n actualizados de nuevo.","bsharedB.bankReconnectFlagFailed":"Se guard\xf3 la reconexi\xf3n bancaria, pero el indicador de estado no se actualiz\xf3 — actualiza la p\xe1gina para confirmar.","bsharedB.bankReconnectMarkFailed":"No se pudo marcar el banco como reconectado. Int\xe9ntalo de nuevo o contacta a soporte.","bsharedB.bankReconnectSessionEnded":"La sesi\xf3n de reconexi\xf3n bancaria termin\xf3. Int\xe9ntalo de nuevo — tus datos existentes no se modifican.","bsharedB.signInAgainReconnect":"Vuelve a iniciar sesi\xf3n para reconectar tu banco.","bsharedB.reconnectStartError":"No se pudo iniciar el proceso de reconexi\xf3n (error {status}). Int\xe9ntalo de nuevo en un momento.","bsharedB.bankConnectionNeedsAttention":"La conexi\xf3n bancaria requiere atenci\xf3n","bsharedB.bankRequiresReLogin":"Tu banco requiere un breve reinicio de sesi\xf3n para mantener los datos de tu pr\xe9stamo actualizados.","bsharedB.opening":"Abriendo…","bsharedB.reconnectBank":"Reconectar banco","bsharedB.yourDataYourFile":"Tus datos, tu expediente","bsharedB.downloadYourData":"Descarga tus datos","bsharedB.portabilityBody":"Tu 1003 en MISMO 3.4 — el est\xe1ndar de la industria. Se importa directamente en Encompass / Calyx / LendingPad si alguna vez decides llevar tu expediente a otra parte. Nunca te dejamos atado.","bsharedB.downloadMismoXml":"Descargar XML MISMO 3.4","bsharedB.yourLoanIsFunded":"Tu pr\xe9stamo est\xe1 financiado.","bsharedB.congratulations":"\xa1Felicidades!","bsharedB.fundedOn":"Financiado el {date}","bsharedB.loanNumber":"Pr\xe9stamo {number}","bsharedB.setUpAutoPay":"Configurar pago autom\xe1tico","bsharedB.autoPayDesc":"Configura pagos mensuales autom\xe1ticos a trav\xe9s del administrador de tu pr\xe9stamo para que nunca olvides un pago.","bsharedB.goToServicerPortal":"Ir al portal del administrador","bsharedB.comingSoon":"Pr\xf3ximamente","bsharedB.downloadDocs":"Descargar documentos","bsharedB.downloadDocsDesc":"Descarga tu paquete de cierre firmado, la Divulgaci\xf3n de Cierre final y el Aviso de Derecho a Cancelar.","bsharedB.downloadZip":"Descargar ZIP","bsharedB.leaveAReview":"Deja una rese\xf1a","bsharedB.reviewDesc":"\xbfQu\xe9 tal fue tu experiencia? Una calificaci\xf3n r\xe1pida ayuda a tu corredor y a futuros prestatarios.","bsharedB.rateExperience":"Calificar experiencia","bsharedB.questionsAskVera":"\xbfPreguntas sobre tu nueva hipoteca? Preg\xfantale a Breeze abajo ↓","bsharedB.exportMyData":"Exportar mis datos","bsharedB.exportMyDataDesc":"Prepararemos una copia legible por m\xe1quina de cada registro vinculado a tu cuenta y te la enviaremos por correo electr\xf3nico.","bsharedB.requestFiled":"Solicitud presentada","bsharedB.requestExport":"Solicitar exportaci\xf3n","bsharedB.deleteMyAccount":"Eliminar mi cuenta","bsharedB.deleteMyAccountDesc":"Elimina tu cuenta, tus borradores de 1003 guardados, tus documentos y tus preferencias. Cierto historial de pr\xe9stamos debe conservarse por cumplimiento de HMDA / BSA / Reg B — guardaremos esos registros pero los anonimizaremos donde se permita.","bsharedB.requestDeleti

1on":"Solicitar eliminaci\xf3n","bsharedB.deletionConfirmWarning":"Est\xe1s a punto de presentar una solicitud de eliminaci\xf3n CCPA / GDPR. La procesaremos en un plazo de 45 d\xedas y te lo confirmaremos por correo electr\xf3nico. Los pr\xe9stamos activos no se pueden eliminar hasta que alcancen un estado terminal.","bsharedB.reasonOptional":"Motivo (opcional)","bsharedB.reasonPlaceholder":"Nos ayuda a mejorar.","bsharedB.confirmDeletionRequest":"Confirmar solicitud de eliminaci\xf3n","bsharedB.requestFiledAt":"Solicitud presentada el {date}. Te enviaremos un correo electr\xf3nico cuando se complete el procesamiento (en un plazo de 45 d\xedas).","bsharedB.pullingInsightsFor":"Obteniendo informaci\xf3n de la propiedad para {street}…","bsharedB.noPublicData":"No se encontraron datos p\xfablicos para esta direcci\xf3n.","bsharedB.noPublicDataBody":"La cobertura es irregular fuera de los mercados principales — esto no afectar\xe1 tu solicitud. Tu corredor obtendr\xe1 comparables y una tasaci\xf3n real durante el procesamiento.","bsharedB.propertyInsights":"Informaci\xf3n de la propiedad","bsharedB.stubDataTitle":"Datos de prueba — pendiente de la alianza con Zillow Bridge Interactive","bsharedB.estimate":"Estimaci\xf3n","bsharedB.estimatedValue":"Valor estimado","bsharedB.rangeLabel":"Rango:","bsharedB.factBuilt":"Construida","bsharedB.factSqFt":"Pies cuadrados","bsharedB.factBeds":"Habitaciones","bsharedB.factBaths":"Ba\xf1os","bsharedB.annualPropertyTax":"Impuesto predial anual","bsharedB.percentOfValue":"{pct}% del valor","bsharedB.perMoShort":"/mes","bsharedB.confirmAtClosing":"Confirmar en el cierre","bsharedB.none":"Ninguno","bsharedB.noHoaExpected":"No se espera HOA","bsharedB.nearbySchools":"Escuelas cercanas","bsharedB.schoolGradeDistance":"{grade} \xb7 {miles} mi","bsharedB.recentlySoldNearby":"Vendidas recientemente cerca","bsharedB.compDetail":"{bd} hab \xb7 {ba} ba\xf1os \xb7 {sqft} pies\xb2 \xb7 vendida {date}","bsharedB.pushOnTitle":"Notificaciones push activadas.","bsharedB.pushOnDesc":"Recibir\xe1s un aviso cuando haya una nueva divulgaci\xf3n o actualizaci\xf3n de documentos.","bsharedB.turnOff":"Desactivar","bsharedB.pushEnableDesc":"Divulgaciones, verificaciones de documentos y actualizaciones de condiciones — directo a tu tel\xe9fono o computadora.","bsharedB.enabling":"Activando…","bsharedB.enable":"Activar","bsharedB.dismiss":"Descartar","bsharedB.closeNotificationPrompt":"Cerrar aviso de notificaci\xf3n","bsharedB.getInstantUpdates":"Recibe actualizaciones instant\xe1neas del pr\xe9stamo","bsharedB.pushPromptDesc":"Solo te avisaremos de lo importante: bloqueos de tasa, solicitudes de firma y condiciones liberadas. Sin spam.","bsharedB.notNow":"Ahora no","bsharedB.asking":"Solicitando…","bsharedB.turnOn":"Activar","bsharedB.pwaAddToHomeScreen":"Agregar a la pantalla de inicio","bsharedB.pwaInstallBorrowerTitle":"Instala Unified Loan System en tu tel\xe9fono","bsharedB.pwaInstallBorrowerDesc":"Recibe actualizaciones instant\xe1neas de tu pr\xe9stamo y acceso m\xe1s r\xe1pido — sin necesidad de una tienda de aplicaciones.","bsharedB.pwaIosTitle":"Agrega Unified Loan System a tu pantalla de inicio","bsharedB.pwaIosBorrowerDesc":"El iPhone solo necesita tres toques r\xe1pidos desde el men\xfa Compartir.","bsharedB.pwaInstallBrokerTitle":"Gestiona tu cartera desde tu tel\xe9fono","bsharedB.pwaInstallBrokerDesc":"Alertas de cartera, chat con Breeze y bloqueos de pr\xe9stamo con un toque — todo en una instalaci\xf3n r\xe1pida en la pantalla de inicio tipo aplicaci\xf3n.","bsharedB.pwaIosBrokerDesc":"El iPhone solo necesita tres toques r\xe1pidos desde el men\xfa Compartir — y luego tu cartera estar\xe1 a un toque de distancia.","bsharedB.dismissInstallBanner":"Descartar banner de instalaci\xf3n","bsharedB.install":"Instalar","bsharedB.pwaStep1Tap":"Toca","bsharedB.pwaShare":"Compartir","bsharedB.pwaStep1After":"en la barra de herramientas de Safari.","bsharedB.pwaStep2Before":"Despl\xe1zate hacia abajo → toca","bsharedB.pwaAddToHomeScreenBold":"Agregar a pantalla de inicio","bsharedB.pwaStep3Before":"Toca","bsharedB.pwaAddBold":"Agregar","bsharedB.pwaStep3After":"en la parte superior derecha.","bsharedB.gotIt":"Entendido","bsharedB.comparingRate":"C

1omparando tu tasa con el mercado…","bsharedB.lockedItIn":"Lo bloqueaste","bsharedB.youBeatMarket":"Superaste al mercado","bsharedB.yourRate":"Tu tasa","bsharedB.marketAvg":"Promedio del mercado","bsharedB.youSaved":"Ahorraste","bsharedB.lifetimeSavingsBefore":"Durante el t\xedpico per\xedodo de 7 a\xf1os, eso equivale a unos","bsharedB.lifetimeSavingsAfter":"en intereses que conservas en lugar de pagar. Buen trabajo al comparar la tasa.","bsharedB.replayDashboardTour":"Volver a ver el recorrido del panel","bsharedB.replayTour":"repetir recorrido","bsharedB.bandStrong":"Fuerte","bsharedB.bandStrongSub":"Tu expediente luce excelente — deber\xedas calificar con la mayor\xeda de los prestamistas.","bsharedB.bandLikely":"Probable","bsharedB.bandLikelySub":"La mayor\xeda de los prestamistas deber\xedan aprobar este expediente. Refuerza los puntos d\xe9biles a continuaci\xf3n para ampliar tus opciones.","bsharedB.bandBorderline":"L\xedmite","bsharedB.bandBorderlineSub":"Est\xe1s en el l\xedmite. Algunos prestamistas dir\xe1n que s\xed, pero el precio podr\xeda verse afectado.","bsharedB.bandUnlikely":"Poco probable","bsharedB.bandUnlikelySub":"Una aprobaci\xf3n tradicional es poco probable sin abordar los puntos a continuaci\xf3n.","bsharedB.preQualFailed":"Fall\xf3 la precalificaci\xf3n","bsharedB.loadingPreQual":"Cargando tu precalificaci\xf3n…","bsharedB.preQualNoCredit":"Obt\xe9n una precalificaci\xf3n sin afectar tu cr\xe9dito","bsharedB.connectBankFirstDesc":"Conecta tu banco con Plaid primero. Usamos se\xf1ales derivadas del banco — sin consulta tri-merge de los bur\xf3s ni impacto en tu FICO.","bsharedB.softPreQual":"Precalificaci\xf3n blanda","bsharedB.whereScoreFrom":"De d\xf3nde proviene tu puntaje","bsharedB.factorCredit":"Tu cr\xe9dito","bsharedB.factorDownPayment":"Pago inicial","bsharedB.factorMonthlyDebts":"Deudas mensuales","bsharedB.factorSavingsJob":"Ahorros e historial laboral","bsharedB.factorLoanProfile":"Perfil del pr\xe9stamo","bsharedB.factorUnderwriting":"Verificaciones de suscripci\xf3n","bsharedB.whatsWorking":"Lo que est\xe1 a tu favor","bsharedB.whatToTighten":"Qu\xe9 reforzar","bsharedB.bankDerivedFallback":"Derivado del banco (alternativo)","bsharedB.refreshingPreQual":"Actualizando precalificaci\xf3n…","bsharedB.refreshPreQual":"Actualizar precalificaci\xf3n","bsharedB.refreshing":"Actualizando…","bsharedB.preQualCtaDesc":"Conoce tu situaci\xf3n sin una consulta de cr\xe9dito dura. Obtenemos un Plaid Check Consumer Report (se\xf1ales derivadas del banco + flujo de caja) y ejecutamos nuestro predictor de aprobaci\xf3n.","bsharedB.preQualFinePrint":"Sin impacto en FICO \xb7 ~10 segundos \xb7 Con tecnolog\xeda de Plaid Check","bsharedB.bucketInProgress":"En curso","bsharedB.bucketInProgressSub":"Cosas en las que tu corredor, el prestamista o un proveedor est\xe1n trabajando activamente.","bsharedB.bucketInProgressEmpty":"Nada en curso en este momento.","bsharedB.bucketComplete":"Completo","bsharedB.bucketCompleteSub":"Elementos que ya est\xe1n aprobados y no requieren nada de tu parte.","bsharedB.bucketCompleteEmpty":"A\xfan no hay elementos completados — es temprano en el proceso.","bsharedB.bucketNeedsAttention":"Requiere atenci\xf3n","bsharedB.bucketNeedsAttentionSub":"Elementos que esperan por ti o est\xe1n detenidos. Haz clic en cualquiera para ir adonde puedes resolverlo.","bsharedB.bucketNeedsAttentionEmpty":"Est\xe1s completamente al d\xeda. No hay tareas pendientes.","bsharedB.closeButton":"Cerrar","bsharedB.openDays":"Abierto {days}d","bsharedB.daysOverdue":"{days}d de retraso","bsharedB.dueInDays":"Vence en {days}d","bsharedB.eta":"ETA {eta}","bsharedB.integrityLabTitle":"Integrity Lab: Acci\xf3n requerida","bsharedB.integrityLabIntro":"Nuestro motor de integridad de IA ha identificado algunos elementos que requieren tu atenci\xf3n para llevar tu pr\xe9stamo a clear-to-close. Resuelve estas estipulaciones a continuaci\xf3n para una aprobaci\xf3n aut\xf3noma.","bsharedB.pendingActions":"{count} acciones pendientes","bsharedB.resolvedCount":"{count} resueltas","bsharedB.requiredProof":"Comprobante requerido","bsharedB.refLabel":"Ref.: {ref}","bsharedB.aiGeneratedStipulation":"Estipulaci\xf3n generada por IA","bsharedB.allSystemsClear":"Todo en orden","bsharedB.noPendingIntegrity":"No hay condiciones de integridad pendientes. Tu solicitud avanza hacia la financiaci\xf3n final.","bsharedB.resolutionStage":"Etapa de resoluci\xf3n","bsharedB.underwriterGuidance":"Orientaci\xf3n del suscriptor","bsharedB.guidanceBefore":"Proporciona","bsharedB.guidanceBold":"originales claros y sin modificar","bsharedB.guidanceAfter":". El reflejo hologr\xe1fico o los m\xe1rgenes ocultos provocar\xe1n un nuevo rechazo por parte de la IA.","bsharedB.uploadProofFor":"Subir comprobante de: {type}","bsharedB.resolveCondition":"Resolver condici\xf3n","bsharedB.selectConditionToResolve":"Selecciona una condici\xf3n para resolver","bsharedB.autonomousReview":"Revisi\xf3n aut\xf3noma","bsharedB.autonomousReviewDesc":"Nuestro Neural Integrity Engine auditar\xe1 tu nueva carga al instante. La mayor\xeda de las condiciones se liberan dentro de los 60 segundos posteriores al env\xedo.","bsharedB.reviewingFile":"Revisando tu expediente…","bsharedB.unableToLoadInsights":"No se pudo cargar la 

1informaci\xf3n del expediente.","bsharedB.tryAgain":"Intentar de nuevo","bsharedB.fileLooksClean":"Tu expediente luce limpio","bsharedB.reviewedDocClean":"Se revis\xf3 {count} documento — nada marcado que requiera tu acci\xf3n en este momento.","bsharedB.reviewedDocsClean":"Se revisaron {count} documentos — nada marcado que requiera tu acci\xf3n en este momento.","bsharedB.noDocsYet":"A\xfan no hay documentos para revisar. Sube recibos de pago, estados de cuenta bancarios, etc. para comenzar.","bsharedB.fileReview":"Revisi\xf3n del expediente","bsharedB.thingsToKnow":"Cosas que debes saber sobre tu expediente","bsharedB.fromDocReviewed":"De {count} documento que ya revisamos.","bsharedB.fromDocsReviewed":"De {count} documentos que ya revisamos.","bsharedB.needAttentionNow":"{count} requiere atenci\xf3n ahora.","bsharedB.needAttentionNowPlural":"{count} requieren atenci\xf3n ahora.","bsharedB.itemFlagged":"{count} elemento marcado.","bsharedB.itemsFlagged":"{count} elementos marcados.","bsharedB.showLess":"Mostrar menos","bsharedB.showMore":"Mostrar {count} m\xe1s","bsharedB.nextStepLabel":"Siguiente paso:","bsharedB.uploadNow":"Subir ahora","bsharedB.whatToBring":"Qu\xe9 llevar","bsharedB.readyCount":"{done}/{total} listos","bsharedB.required":"Obligatorio","bsharedB.addedByBroker":"Agregado por tu corredor","bsharedB.allItemsReady":"Todos los elementos listos — \xa1est\xe1s preparado para el d\xeda del cierre!","bsharedB.dismissBanner":"Descartar banner","bsharedB.wireFraudEyebrow":"Fraude de transferencias — lee esto antes de enviar dinero","bsharedB.alwaysVerifyByPhone":"Verifica siempre las instrucciones de transferencia por tel\xe9fono","bsharedB.wireNever":"Nunca","bsharedB.wireBullet1":"conf\xedes en instrucciones de transferencia que lleguen por correo electr\xf3nico — aunque parezcan de tu corredor o agente de plica. El correo electr\xf3nico es el principal medio de fraude de transferencias.","bsharedB.wireAlways":"Siempre","bsharedB.wireBullet2":"llama para verificar antes de transferir. Usa un n\xfamero de tel\xe9fono de una fuente independiente (este portal, tu papeleo de pr\xe9stamo anterior o el sitio web del corredor — no el n\xfamero del correo electr\xf3nico).","bsharedB.wireBullet3Before":"Las instrucciones de transferencia","bsharedB.wireChangeRarely":"rara vez cambian","bsharedB.wireBullet3After":'. Si recibes una "actualizaci\xf3n de \xfaltimo minuto" que te dice que env\xedes los fondos a otro lugar, consid\xe9ralo fraude hasta que lo verifiques.',"bsharedB.callBrokerToVerify":"Llama al corredor para verificar ({phone})","w3legal.questionsContact":"\xbfPreguntas? Cont\xe1ctenos en","w3legal.dpaEffective":"Vigente a partir del 2026-05-06.","w3legal.dpaTocScope":"1. Alcance","w3legal.dpaTocDefinitions":"2. Definiciones","w3legal.dpaTocRoles":"3. Funciones de las Partes","w3legal.dpaTocInstructions":"4. Instrucciones de Procesamiento","w3legal.dpaTocConfidentiality":"5. Confidencialidad","w3legal.dpaTocSecurityMeasures":"6. Medidas de Seguridad","w3legal.dpaTocSubProcessors":"7. Subencargados del Tratamiento","w3legal.dpaTocPlaidFlowdown":"8. T\xe9rminos de Transferencia de Plaid Flow-Down Terms","w3legal.dpaTocDsr":"9. Solicitudes de los Titulares de los Datos","w3legal.dpaTocIncidents":"10. Incidentes de Seguridad","w3legal.dpaTocAudits":"11. Auditor\xedas","w3legal.dpaTocReturnDeletion":"12. Devoluci\xf3n y Eliminaci\xf3n de Datos","w3legal.dpaTocTransfers":"13. Transferencias Internacionales","w3legal.dpaTocLiability":"14. Responsabilidad","w3legal.dpaScopeBody":"El presente Acuerdo de Procesamiento de Datos (el “DPA”) complementa el Master SaaS Agreement entre Unified Loan System y el Cliente (el “MSA”) y rige el procesamiento por parte de Unified Loan System de la informaci\xf3n personal en nombre del Cliente en relaci\xf3n con el Servicio. Los t\xe9rminos en may\xfascula que no se definan aqu\xed tienen el significado que se les asigna en el “MSA”. En caso de conflicto entre este “DPA” y el “MSA” con respecto a la protecci\xf3n de datos, prevalecer\xe1 este “DPA”.","w3legal.dpaDefinitionsBody":"“Borrower NPI” significa la informaci\xf3n personal no p\xfablica sobre un consumidor seg\xfan se define en la Gramm-Leach-Bliley Act (15 U.S.C. \xa7 6809) y la Regulation P, incluidos los nombres, n\xfameros de Seguro Social, fechas de nacimiento, n\xfameros de cuentas financieras, datos de activos e ingresos, e informaci\xf3n del cr\xe9dito del consumidor. “Process” tiene el significado que se le asigna en 15 U.S.C. \xa7 6809 y en las leyes estatales aplicables de privacidad del consumidor.","w3legal.dpaRolesBody":"Con respecto a la “Borrower NPI” envi

1ada al Servicio, el Cliente es el responsable del tratamiento de datos (o, cuando corresponda, la “business” conforme a la ley de privacidad del consumidor de California) y Unified Loan System es el encargado del tratamiento de datos (o “service provider”). Unified Loan System Procesar\xe1 la “Borrower NPI” \xfanicamente conforme a las instrucciones documentadas del Cliente, incluidas las instrucciones reflejadas en la configuraci\xf3n del Servicio.","w3legal.dpaInstructionsBody":"El Cliente instruye a Unified Loan System para que Procese la “Borrower NPI” seg\xfan sea necesario para (a) proporcionar y mantener el Servicio; (b) prevenir, detectar y responder a incidentes de seguridad y fraude; (c) cumplir con las obligaciones legales de Unified Loan System; y (d) llevar a cabo las tareas que el Cliente inicie expresamente dentro del Servicio (como la clasificaci\xf3n de documentos, la entrega de firmas electr\xf3nicas, el env\xedo al prestamista y la verificaci\xf3n bancaria mediada por Plaid). Unified Loan System no Vender\xe1 ni Compartir\xe1 la “Borrower NPI” seg\xfan se definen esos t\xe9rminos en la California Consumer Privacy Act.","w3legal.dpaConfidentialityBody":"Unified Loan System exigir\xe1 que todo el personal autorizado para Procesar la “Borrower NPI” est\xe9 sujeto a un deber de confidencialidad y reciba la capacitaci\xf3n adecuada sobre el manejo de la “Borrower NPI”.","w3legal.dpaSecurityIntro":"Unified Loan System implementa y mantiene medidas t\xe9cnicas y organizativas dise\xf1adas para proteger la Borrower NPI contra la destrucci\xf3n accidental o il\xedcita, la p\xe9rdida, la alteraci\xf3n, la divulgaci\xf3n no autorizada o el acceso no autorizado. En concreto:","w3legal.dpaSecurityItem1":"Cifrado en tr\xe1nsito (TLS 1.2 o superior) y en reposo para los almacenes de datos de los prestatarios.","w3legal.dpaSecurityItem2":"Controles de acceso basados en roles; aislamiento de inquilinos por corredor aplicado en la capa de la aplicaci\xf3n.","w3legal.dpaSecurityItem3":"Autenticaci\xf3n multifactor, reverificaciones de actividad de la sesi\xf3n, alertas de vinculaci\xf3n de dispositivos y claves de acceso resistentes al phishing para flujos de alto valor (Plaid, descargas de documentos sensibles).","w3legal.dpaSecurityItem4":"Registro de auditor\xeda automatizado del acceso a la Borrower NPI, incluidos los eventos relacionados con la exportaci\xf3n de datos y la divulgaci\xf3n, conservado durante el per\xedodo exigido por la ley aplicable.","w3legal.dpaSecurityItem5":"Monitoreo peri\xf3dico de vulnerabilidades, revisi\xf3n de actualizaciones de dependencias y procedimientos de notificaci\xf3n de filtraciones.","w3legal.dpaSubProcessorsBefore":"Unified Loan System contrata subprocesadores para prestar el Servicio, incluidos servicios de infraestructura, almacenamiento en la nube, verificaci\xf3n de identidad, OCR de visi\xf3n, firma electr\xf3nica, correo electr\xf3nico transaccional y agregaci\xf3n de datos bancarios. El Cliente autoriza el uso por parte de Unified Loan System de los subprocesadores enumerados en","w3legal.dpaSubProcessorsAfter":"Unified Loan System impondr\xe1 a cada subprocesador obligaciones contractuales de protecci\xf3n de datos que no sean menos protectoras que las establecidas en este DPA.","w3legal.dpaPlaidFlowdownBody":"El Servicio se integra con Plaid, Inc. para la verificaci\xf3n de datos bancarios e identidad autorizada por el prestatario. El uso de las funciones de Plaid por parte del Cliente est\xe1 sujeto adem\xe1s a la Plaid End User Privacy Policy y a los t\xe9rminos de flujo descendente para clientes de Plaid (los “Plaid Flow-Down Terms”). El Cliente debe aceptar los Plaid Flow-Down Terms dentro de la consola de Unified Loan System antes de habilitar cualquier funci\xf3n de Plaid. La aceptaci\xf3n de los Plaid Flow-Down Terms por parte del Cliente se registra con la versi\xf3n, la marca de tiempo, la IP y el agente de usuario para la reproducci\xf3n de auditor\xeda.","w3legal.dpaDsrBody":"Unified Loan System proporcionar\xe1 asistencia razonable para permitir que el Cliente cumpla con sus obligaciones de responder a las solicitudes de los interesados (incluidas las solicitudes de los prestatarios para acceder, corregir, eliminar o exportar su informaci\xf3n). El Cliente es responsable de verificar la identidad de los solicitantes y de la decisi\xf3n subyacente de conceder o no la solicitud.","w3legal.dpaIncidentsBody":"Unified Loan System notificar\xe1 al Cliente sin demora indeb

1ida despu\xe9s de tener conocimiento de un Incidente de Seguridad confirmado que afecte a la Borrower NPI Procesada en virtud de este DPA, y proporcionar\xe1 la informaci\xf3n razonablemente necesaria para que el Cliente cumpla con sus propias obligaciones de notificaci\xf3n conforme a la ley aplicable.","w3legal.dpaAuditsBody":"Una vez al a\xf1o, con al menos treinta (30) d\xedas de aviso por escrito, el Cliente (o un auditor independiente elegido por el Cliente, sujeto a confidencialidad) podr\xe1 auditar el cumplimiento de este DPA por parte de Unified Loan System. Unified Loan System podr\xe1 cumplir esta obligaci\xf3n proporcionando informes de auditor\xeda de terceros recientes (por ejemplo, SOC 2 Type II o equivalente) cuando est\xe9n disponibles.","w3legal.dpaReturnDeletionBody":"Tras la terminaci\xf3n del MSA, el Cliente podr\xe1 solicitar la devoluci\xf3n de su Borrower NPI en un formato port\xe1til. Unified Loan System eliminar\xe1 o anonimizar\xe1 la Borrower NPI dentro de los noventa (90) d\xedas siguientes a la terminaci\xf3n, salvo que la conservaci\xf3n sea requerida por la ley aplicable o para el establecimiento, ejercicio o defensa de reclamaciones legales.","w3legal.dpaTransfersBody":"Unified Loan System Procesa la Borrower NPI en los Estados Unidos. Unified Loan System no transfiere la Borrower NPI fuera de los Estados Unidos sin el consentimiento previo por escrito del Cliente.","w3legal.dpaLiabilityBody":"Las limitaciones de responsabilidad establecidas en el MSA se aplican a este DPA. La responsabilidad de cada parte en virtud de este DPA est\xe1 sujeta a esas limitaciones.","w3legal.msaEffective":"Vigente a partir del 2026-05-06.","w3legal.msaTocPartiesScope":"1. Partes y Alcance","w3legal.msaTocEligibility":"2. Elegibilidad del Cliente","w3legal.msaTocLicenseGrant":"3. Concesi\xf3n de Licencia","w3legal.msaTocCustomerResponsibilities":"4. Responsabilidades del Cliente","w3legal.msaTocOnboarding":"5. Incorporaci\xf3n y Verificaci\xf3n de Licencia","w3legal.msaTocThirdParty":"6. Servicios de Terceros","w3legal.msaTocFees":"7. Tarifas y Pago","w3legal.msaTocDataOwnership":"8. Propiedad y Uso de los Datos","w3legal.msaTocConfidentiality":"9. Confidencialidad","w3legal.msaTocWarranties":"10. Garant\xedas; Renuncias de Garant\xeda","w3legal.msaTocLiability":"11. Limitaci\xf3n de Responsabilidad","w3legal.msaTocIndemnification":"12. Indemnizaci\xf3n","w3legal.msaTocTerm":"13. Vigencia; Terminaci\xf3n","w3legal.msaTocGoverningLaw":"14. Ley Aplicable","w3legal.msaTocEntireAgreement":"15. Acuerdo Completo; Actualizaciones","w3legal.msaPartiesScopeBody":"Este Acuerdo Maestro de SaaS (el “Agreement”) se celebra entre California Mortgage Solutions, Inc., una corporaci\xf3n de California que opera bajo el nombre comercial Unified Loan System (“Unified Loan System”, “we” o “us”), y la entidad comercial que registra un espacio de trabajo de Broker Console (“Customer” o “you”). Rige su acceso y uso de la plataforma de software como servicio Unified Loan System Broker Console (el “Service”).","w3legal.msaEligibilityBo

1dy":"El Service se ofrece exclusivamente a corredores hipotecarios, originadores de pr\xe9stamos hipotecarios y entidades de corretaje hipotecario que posean una licencia activa emitida bajo el federal Nationwide Mortgage Licensing System (“NMLS”) y las autoridades estatales correspondientes. Al aceptar este Agreement, usted declara y garantiza que (a) posee una licencia NMLS vigente y activa para originar pr\xe9stamos hipotecarios residenciales, (b) toda la informaci\xf3n corporativa y de identidad que proporciona (incluido el nombre comercial legal, la direcci\xf3n corporativa, el EIN y el NMLS ID) es exacta, y (c) est\xe1 autorizado a obligar a su entidad comercial a este Agreement.","w3legal.msaLicenseGrantBody":"Sujeto a su cumplimiento continuo de este Agreement, Unified Loan System le concede una licencia no exclusiva, intransferible y revocable para acceder y utilizar el Service para sus fines comerciales internos durante la vigencia. Usted no podr\xe1 (a) sublicenciar, revender o explotar comercialmente el Service; (b) realizar ingenier\xeda inversa o intentar derivar el c\xf3digo fuente; (c) eludir cualquier limitaci\xf3n t\xe9cnica, l\xedmite de frecuencia o control de seguridad; ni (d) utilizar el Service para violar cualquier ley, reglamento o derecho de terceros.","w3legal.msaCustomerResponsibilitiesBody":"Usted es el \xfanico responsable de (a) la exactitud y legalidad de cualquier dato que env\xede al Service, incluida la informaci\xf3n del prestatario; (b) obtener todos los consentimientos requeridos de sus prestatarios antes de enviar su informaci\xf3n personal no p\xfablica (“NPI”) al Service; (c) la confidencialidad de las credenciales de su cuenta y las acciones de sus usuarios autorizados; (d) el cumplimiento de todas las leyes federales y estatales de pr\xe9stamos hipotecarios aplicables a su negocio, incluidas TILA, RESPA, ECOA, el SAFE Act y los estatutos estatales espec\xedficos contra los pr\xe9stamos abusivos; y (e) mantener una licencia NMLS vigente y activa en cada estado en el que origine pr\xe9stamos a trav\xe9s del Service.","w3legal.msaOnboardingBody":"Antes de que se le otorgue acceso de producci\xf3n, se le exigir\xe1 (a) proporcionar su nombre comercial legal, direcci\xf3n corporativa, EIN y NMLS ID federal; (b) suscribir este Agreement y el Data Processing Agreement (el “DPA”); y (c) aprobar una revisi\xf3n del estado de la licencia. Unified Loan System realiza nuevas verificaciones automatizadas y continuas del estado de la licencia NMLS. Si su licencia pasa a estar inactiva, vencida, suspendida, revocada o de cualquier otro modo no activa por cualquier motivo, su espacio de trabajo se congelar\xe1 autom\xe1ticamente y el acceso a todas las funciones del Service (incluidas integraciones de terceros como Plaid) quedar\xe1 suspendido hasta que se restablezca el estado de la licencia.","w3legal.msaThirdPartyBody":"El Service depende de proveedores externos, incluidos Plaid, Inc., Resend, AWS, OpenAI, Anthropic y otros (en conjunto, “Third-Party Services”). El uso de funciones que se integran con los Third-Party Services est\xe1 sujeto a los t\xe9rminos de terceros aplicables, incluidos los t\xe9rminos de traspaso (flow-down) transmitidos en virtud del DPA. Unified Loan System no ofrece ninguna garant\xeda respecto de los Third-Party Services y no es responsable de su disponibilidad, exactitud o acciones.","w3legal.msaFeesBody":"Las tarifas de suscripci\xf3n, los cargos de traspaso medidos y cualquier tarifa basada en el uso aplicable se describen en la p\xe1gina de precios o en el formulario de pedido suscrito al momento del registro. Las tarifas vencen por adelantado para el per\xedodo de suscripci\xf3n y conforme a facturaci\xf3n por uso para las funciones medidas. Unified Loan System podr\xe1 suspender el Service por falta de pago tras un aviso de treinta (30) d\xedas.","w3legal.msaDataOwnershipBody":"Usted conserva todos los derechos, t\xedtulos e intereses sobre los datos de sus clientes y cualquier dato que env\xede al Service. Usted concede a Unified Loan System una licencia limitada para procesar estos datos \xfanicamente en la medida necesaria para prestar el Service y seg\xfan se describe con mayor detalle en el DPA. Unified Loan System no vender\xe1, alquilar\xe1 ni divulgar\xe1 sus datos, salvo lo exigido por la ley o lo expresamente permitido en el DPA.","w3legal.msaConfidentialityBody":"Cada parte acuerda (a) proteger la Informaci\xf3n Confidencial de la otra parte utilizando al menos el mismo est\xe1ndar de cuidado que emplea para proteger su propia Informaci\xf3n Confidencial de importancia similar, y no menos que un cuidado razonable; y (b) no usar la Informaci\xf3n Confidencial salvo en la medida necesaria para cumplir con este Agreement.","w3legal.msaWarrantiesBody":"Unified Loan System garantiza que el Service se ajustar\xe1 sustancialmente a la documentaci\xf3n publicada. SALVO LAS GARANT\xcdAS EXPRESAS DE ESTA SECCI\xd3N, EL SERVICE SE PROPORCIONA “AS IS” Y UNIFIED LOAN SYSTEM RECHAZA TODAS LAS DEM\xc1S GARANT\xcdAS, EXPRESAS O IMPL\xcdCITAS, INCLUIDAS LAS GARANT\xcdAS DE COMERCIABILIDAD, IDONEIDAD PARA UN PROP\xd3SITO PARTICULAR Y NO INFRACCI\xd3N.","w3legal.msaLiabilityBo

1dy":"EN LA M\xc1XIMA MEDIDA PERMITIDA POR LA LEY, NINGUNA DE LAS PARTES SER\xc1 RESPONSABLE POR DA\xd1OS INDIRECTOS, CONSECUENTES, INCIDENTALES O PUNITIVOS, NI POR LUCRO CESANTE O P\xc9RDIDA DE DATOS. LA RESPONSABILIDAD AGREGADA DE CADA PARTE BAJO ESTE AGREEMENT NO EXCEDER\xc1 LAS TARIFAS PAGADAS O PAGADERAS POR EL CUSTOMER A UNIFIED LOAN SYSTEM EN LOS DOCE (12) MESES ANTERIORES AL HECHO QUE DA ORIGEN A LA RESPONSABILIDAD.","w3legal.msaIndemnificationBody":"Usted defender\xe1 e indemnizar\xe1 a Unified Loan System frente a cualquier reclamaci\xf3n de terceros que surja de (a) su incumplimiento de este Acuerdo, (b) su incumplimiento de cualquier ley o reglamento, (c) los datos que env\xede al Servicio, o (d) su originaci\xf3n, procesamiento o cierre de cualquier pr\xe9stamo. Unified Loan System lo defender\xe1 frente a cualquier reclamaci\xf3n de terceros que alegue que el Servicio, tal como lo proporciona Unified Loan System, infringe un derecho de propiedad intelectual de un tercero en los Estados Unidos.","w3legal.msaTermBody":"Este Acuerdo comienza cuando usted lo acepta y contin\xfaa hasta su rescisi\xf3n. Cualquiera de las partes puede rescindirlo por incumplimiento material si el incumplimiento no se subsana dentro de los treinta (30) d\xedas siguientes a la notificaci\xf3n por escrito. Unified Loan System puede suspenderlo o rescindirlo de inmediato ante un evento de congelamiento conforme a la Secci\xf3n 5, una infracci\xf3n de la Secci\xf3n 4, o un incidente veros\xedmil de cumplimiento o de seguridad.","w3legal.msaGoverningLawBody":"Este Acuerdo se rige por las leyes del Estado de California, sin atender a los principios de conflicto de leyes. Las partes consienten la jurisdicci\xf3n exclusiva de los tribunales estatales y federales ubicados en el Condado de San Luis Obispo, California.","w3legal.msaEntireAgreementBody":'Este Acuerdo, junto con el "DPA", constituye el acuerdo completo entre las partes con respecto al Servicio y reemplaza todos los acuerdos anteriores. Unified Loan System podr\xe1 actualizar este Acuerdo de tiempo en tiempo; las actualizaciones se comunicar\xe1n mediante la publicaci\xf3n de la nueva versi\xf3n con un nuevo identificador de versi\xf3n y fecha de entrada en vigor. Su uso continuado del Servicio despu\xe9s de la fecha de entrada en vigor constituye la aceptaci\xf3n del Acuerdo actualizado.',"w3legal.subProcessorsEyebrow":"Unified Loan System \xb7 Legal \xb7 Subprocesadores","w3legal.subProcessorsTitle":"Subprocesadores externos","w3legal.subProcessorsLastUpdated":"\xdaltima actualizaci\xf3n: 2026-05-07.","w3legal.subProcessorsIntro1Before":'Los terceros que se enumeran a continuaci\xf3n son subprocesadores autorizados que pueden Procesar el "Borrower NPI" en nombre de los clientes de Unified Loan System, en relaci\xf3n con la operaci\xf3n del Servicio. Imponemos a cada subprocesador obligaciones contractuales de protecci\xf3n de datos que no son menos protectoras que las establecidas en nuestro',"w3legal.subProcessorsIntro2":'Notificaremos cualquier nuevo subprocesador que maneje el "Borrower NPI" antes de autorizarlo a hacerlo. Los clientes pueden objetar por escrito a un nuevo subprocesador dentro de los treinta (30) d\xedas siguientes a la notificaci\xf3n; si no podemos atender razonablemente la objeci\xf3n, el cliente puede rescindir la parte afectada del Servicio.',"w3legal.subProcessorsTheirDpa":"Su DPA →","w3legal.subProcessorsColPurpose":"Finalidad","w3legal.subProcessorsColLocation":"Ubicaci\xf3n","w3legal.subProcessorsColDataCategories":"Categor\xedas de datos","w3legal.unsubCatMarketingLabel":"Correos de marketing","w3legal.unsubCatMarketingDesc":"Correos de campa\xf1as, promociones y boletines informativos","w3legal.unsubCatTransactionalLabel":"Correos transaccionales","w3legal.unsubCatTransactionalDesc":"Actualizaciones del estado del pr\xe9stamo, notificaciones de documentos","w3legal.unsubCatUpdatesLabel":"Actualizaciones del producto","w3legal.unsubCatUpdatesDesc":"Anuncios de funciones y novedades de la plataforma","w3legal.unsubInvalidLink":"Enlace no v\xe1lido.","w3legal.unsubCouldNotVerify":"No se pudo verificar su enlace para cancelar la suscripci\xf3n.","w3legal.unsubSelectCategory":"Marque la casilla de arriba para confirmar la cancelaci\xf3n.","w3legal.unsubSomethingWrong":"Algo sali\xf3 mal.","w3legal.unsubNetworkError":"Error de red. Por favor, int\xe9ntelo de nuevo.","w3legal.unsubInvalidTitle":"Enlace para cancelar la suscripci\xf3n no v\xe1lido","w3legal.unsubInvalidBody":"Este enlace para cancelar la suscripci\xf3n no es v\xe1lido o ha caducado. Por favor, utilice el enlace de su correo electr\xf3nico m\xe1s reciente.","w3legal.unsubVerifying":"Verificando su enlace...","w3legal.unsubSuccessTitle":"Preferencias actualizadas","w3legal.unsubSuccessBody":"Sus preferencias de correo electr\xf3nico se han guardado. Ya no recibir\xe1 correos electr\xf3nicos de las categor\xedas seleccionad

1as.","w3legal.unsubSuccessNote":"Los cambios pueden tardar hasta 24 horas en surtir pleno efecto.","w3legal.unsubFormTitle":"Preferencias de correo electr\xf3nico","w3legal.unsubFormManage":"Administre qu\xe9 correos electr\xf3nicos recibe de nosotros. Cancelar la suscripci\xf3n de","w3legal.unsubAllTitle":"Cancelar la suscripci\xf3n a los correos de marketing","w3legal.unsubAllDesc":"Los mensajes sobre su pr\xe9stamo (actualizaciones de estado, solicitudes de documentos y otros avisos de servicio) se seguir\xe1n enviando.","w3legal.unsubChooseCategories":"O elija categor\xedas espec\xedficas:","w3legal.unsubReasonLabel":"Motivo (opcional)","w3legal.unsubReasonPlaceholder":"Ind\xedquenos por qu\xe9 cancela su suscripci\xf3n...","w3legal.unsubSaving":"Guardando...","w3legal.unsubUpdate":"Actualizar preferencias","w3legal.unsubCanSpam":"Conforme con CAN-SPAM. Su solicitud se procesar\xe1 dentro de un plazo de 10 d\xedas h\xe1biles.","w3legal.unsubLoading":"Cargando...","w3legal.glbaTitle":"Pol\xedtica de seguridad de la informaci\xf3n de salvaguardas de la GLBA","w3legal.glbaEffective":"Vigente a partir del 2026-05-16.","w3legal.glbaTocScope":"1. Alcance y legislaci\xf3n aplicable","w3legal.glbaTocQualifiedIndividual":"2. Persona Calificada","w3legal.glbaTocRiskAssessment":"3. Evaluaci\xf3n de riesgos","w3legal.glbaTocAccessControls":"4. Controles de acceso","w3legal.glbaTocInventory":"5. Inventario de informaci\xf3n","w3legal.glbaTocEncryption":"6. Cifrado","w3legal.glbaTocSecureDevelopment":"7. Desarrollo seguro","w3legal.glbaTocMfa":"8. Autenticaci\xf3n multifactor","w3legal.glbaTocDisposal":"9. Eliminaci\xf3n de informaci\xf3n","w3legal.glbaTocChangeManagement":"10. Gesti\xf3n de cambios","w3legal.glbaTocMonitoring":"11. Supervisi\xf3n y registro","w3legal.glbaTocTraining":"12. Capacitaci\xf3n del personal","w3legal.glbaTocServiceProviders":"13. Supervisi\xf3n de proveedores de servicios","w3legal.glbaTocEvaluation":"14. Evaluaci\xf3n peri\xf3dica","w3legal.glbaTocIncidentResponse":"15. Respuesta a incidentes","w3legal.glbaTocReporting":"16. Informe anual","w3legal.glbaScopeBody":"Esta Pol\xedtica de Seguridad de la Informaci\xf3n (la “Policy”) implementa el programa integral de seguridad de la informaci\xf3n por escrito de Unified Loan System exigido por la Safeguards Rule de la Comisi\xf3n Federal de Comercio en virtud de la Gramm-Leach-Bliley Act, 16 C.F.R. Part 314 (la “Safeguards Rule”). Se aplica a toda la informaci\xf3n personal no p\xfablica (“NPI”) que Unified Loan System Procesa en nombre de sus inquilinos corredores en relaci\xf3n con el Servicio. Cada inquilino corredor es una “financial institution” seg\xfan la Safeguards Rule y es responsable de su propio programa de seguridad de la informaci\xf3n por escrito; esta Policy rige la capa de plataforma de protecci\xf3n de NPI.","w3legal.glbaQualifiedIndividualBody":"Unified Loan System designa a una Persona Calificada responsable de supervisar, implementar y hacer cumplir esta Policy. La Persona Calificada informa peri\xf3dicamente al \xf3rgano de gobierno de Unified Loan System (el fundador, en el caso de una entidad de un solo miembro) sobre el estado del programa de seguridad. A la fecha de entrada en vigor, la Persona Calificada es el fundador de Unified Loan System; esta responsabilidad puede reasignarse por escrito.","w3legal.glbaRiskAssessmentBody":"Unified Loan System realiza y documenta una evaluaci\xf3n de riesgos por escrito al menos una vez al a\xf1o, y cada vez que un cambio material en las operaciones pudiera afectar la seguridad de la NPI. La evaluaci\xf3n identifica los riesgos internos y externos razonablemente previsibles para la seguridad, confidencialidad e integridad de la NPI; eval\xfaa la suficiencia de las salvaguardas establecidas para controlar esos riesgos; y se utiliza para revisar esta Policy seg\xfan sea necesario. Los resultados de la evaluaci\xf3n de riesgos se conservan durante al menos cinco (5) a\xf1os.","w3legal.glbaAccessControlsBody":"El acceso a la NPI est\xe1 restringido sobre la base del menor privilegio y la necesidad de conocer. El acceso a producci\xf3n requiere una identidad autenticada (SSO o credenciales respaldadas por clave de hardware), autorizaci\xf3n otorgada expresamente por la Persona Calificada y elevaci\xf3n de privilegios por tiempo limitado para operaciones sensibles. El aislamiento a nivel de inquilino en la plataforma garantiza que el personal de un inquilino corredor no pueda acceder a la NPI de otro inquilino. Los privilegios de acceso se revisan al menos cada seis (6) meses y se revocan al cambiar de funci\xf3n o al producirse una separaci\xf3n.","w3legal.glbaInventoryBo

1dy":"Unified Loan System mantiene un inventario de los sistemas que Recopilan, Almacenan, Procesan, Transmiten o Eliminan NPI. El inventario identifica el sistema, las categor\xedas de NPI tratadas, el flujo de datos, la clase de retenci\xf3n y el propietario responsable. El inventario se revisa al menos anualmente y se actualiza ante cualquier cambio material.","w3legal.glbaEncryptionBody":"El NPI se cifra en tr\xe1nsito y en reposo utilizando algoritmos est\xe1ndar de la industria (TLS 1.2 o superior para el tr\xe1nsito; AES-256 o equivalente para el reposo). Las claves de cifrado se gestionan a trav\xe9s del servicio de claves administradas del proveedor de la nube, con el acceso registrado y auditado. Cuando el cifrado de campos de datos concretos no sea viable, el Qualified Individual aprueba y documenta por escrito el uso de controles compensatorios alternativos eficaces.","w3legal.glbaSecureDevelopmentBody":"El desarrollo de software sigue pr\xe1cticas de codificaci\xf3n segura, incluidas la revisi\xf3n de c\xf3digo, el an\xe1lisis est\xe1tico, el escaneo de vulnerabilidades de dependencias y las pruebas previas al despliegue. Los despliegues en producci\xf3n se controlan por versiones, se revisan y se aprueban. Las bibliotecas de terceros se inventar\xedan y se supervisan para detectar avisos de seguridad.","w3legal.glbaMfaBody":"Se requiere autenticaci\xf3n multifactor para cualquier persona que acceda al NPI en nombre de Unified Loan System, salvo cuando el Qualified Individual apruebe y documente por escrito el uso de controles de acceso razonablemente equivalentes o m\xe1s seguros. Se requiere autenticaci\xf3n respaldada por clave de hardware para el acceso administrativo a los sistemas de producci\xf3n.","w3legal.glbaDisposalBody":"El NPI se elimina de forma segura a m\xe1s tardar dos (2) a\xf1os despu\xe9s de la \xfaltima fecha en que la informaci\xf3n se utiliz\xf3 en relaci\xf3n con el Servicio, salvo que deba conservarse conforme a la legislaci\xf3n aplicable, por una necesidad comercial leg\xedtima o seg\xfan se acuerde de otro modo en el MSA o el DPA. Los procedimientos de eliminaci\xf3n dejan la informaci\xf3n ilegible, indescifrable e imposible de reconstruir.","w3legal.glbaChangeManagementBody":"Los cambios materiales en los sistemas de informaci\xf3n de la plataforma se eval\xfaan conforme a esta Pol\xedtica antes de su despliegue. Los cambios en los componentes que tratan NPI requieren la aprobaci\xf3n del Qualified Individual. Los cambios en producci\xf3n se controlan por versiones, con atribuci\xf3n, marca de tiempo y una ruta de reversi\xf3n.","w3legal.glbaMonitoringBody":"Unified Loan System supervisa la actividad de los usuarios autorizados a acceder al NPI y registra los principales eventos de seguridad y acceso. Los registros se conservan durante al menos un (1) a\xf1o y son revisados peri\xf3dicamente por el Qualified Individual en busca de anomal\xedas. El Servicio mantiene registros de auditor\xeda de las operaciones de acceso al NPI a nivel del inquilino corredor (broker-tenant), de modo que los inquilinos puedan responder a sus propias consultas regulatorias.","w3legal.glbaTrainingBody":"Todo el personal de Unified Loan System con acceso al NPI recibe capacitaci\xf3n de concientizaci\xf3n en seguridad en el momento de la contrataci\xf3n y anualmente a partir de entonces. El Qualified Individual eval\xfaa la idoneidad y vigencia de la capacitaci\xf3n a la luz de los riesgos cambiantes.","w3legal.glbaServiceProvidersBody":"Unified Loan System selecciona proveedores de servicios capaces de mantener salvaguardas apropiadas para el NPI; exige a los proveedores de servicios, por contrato, implementar y mantener dichas salvaguardas; y eval\xfaa peri\xf3dicamente a los proveedores de servicios en funci\xf3n del riesgo que representan y de la idoneidad continua de sus salvaguardas. Se mantiene una lista actualizada de subprocesadores en","w3legal.glbaEvaluationBody":"El Qualified Individual eval\xfaa esta Pol\xedtica al menos anualmente, y ante cualquier cambio material en las operaciones de la plataforma o en el entorno de amenazas. Los ajustes se documentan y se comunican al personal pertinente.","w3legal.glbaIncidentResponseBody":"Unified Loan System mantiene un plan escrito de respuesta a incidentes con los siguientes componentes: proceso interno de respuesta; funciones y responsabilidades; comunicaciones externas e internas; requisitos de documentaci\xf3n e informaci\xf3n; y evaluaci\xf3n y remediaci\xf3n posteriores al incidente. Tras un Incidente de Seguridad que afecte al NPI, Unified Loan System notifica a los inquilinos corredores afectados seg\xfan lo exige el DPA sin demora indeb

1ida, y apoya a los inquilinos en sus obligaciones posteriores de notificaci\xf3n regulatoria y al prestatario.","w3legal.glbaReportingBody":"El Qualified Individual elabora un informe escrito al menos anualmente para el \xf3rgano de gobierno de Unified Loan System, que abarca: el estado general del programa de seguridad de la informaci\xf3n; los asuntos materiales relativos al programa (incluida la evaluaci\xf3n de riesgos, los resultados de las pruebas y la supervisi\xf3n, los eventos de seguridad, las recomendaciones de cambios al programa); y cualquier acuerdo con proveedores de servicios que requiera atenci\xf3n.","w3legal.smsEntityLine":"Unified Loan System, un DBA de California Mortgage Solutions, Inc.  \xb7  \xdaltima actualizaci\xf3n: 9 de junio de 2026.","w3legal.smsOptInTitle":"Suscripci\xf3n y consentimiento de SMS","w3legal.smsOptInIntroBefore":"Esta es la suscripci\xf3n de SMS que se presenta a los prestatarios durante el registro de la cuenta en","w3legal.smsOptInIntroMiddle":"— en el paso final “Revisar y aceptar”, directamente debajo del campo del n\xfamero de tel\xe9fono — y en la solicitud de pr\xe9stamo (Paso 10, “Divulgaciones y consentimiento”). El consentimiento para recibir mensajes de texto es","w3legal.smsOptInOptional":"opcional","w3legal.smsOptInIntroComma":", las casillas est\xe1n","w3legal.smsOptInUnchecked":"desmarcadas de forma predeterminada","w3legal.smsOptInIntroAnd":", y es","w3legal.smsOptInNotRequired":"no obligatorio","w3legal.smsOptInIntroAfter":"para crear una cuenta o usar el servicio.","w3legal.smsOptInAgreeHeading":"A qu\xe9 est\xe1 dando su consentimiento","w3legal.smsOptInAgreeBody1":"Cuando proporciona su n\xfamero de tel\xe9fono m\xf3vil durante el registro de la cuenta (o en su solicitud de pr\xe9stamo) y marca una o m\xe1s de estas casillas, usted acepta recibir mensajes de texto SMS transaccionales recurrentes de Unified Loan System (California Mortgage Solutions, Inc.) para las categor\xedas que seleccione — por ejemplo, c\xf3digos de seguridad/inicio de sesi\xf3n de un solo uso, actualizaciones del estado del pr\xe9stamo y recordatorios de documentos, cierre y firma electr\xf3nica.","w3legal.smsOptInAgreeBody2Before":"La frecuencia de los mensajes var\xeda seg\xfan la categor\xeda y la actividad en su expediente de pr\xe9stamo (por lo general, de 2 a 15 mensajes por mes por categor\xeda).","w3legal.smsOptInReplyBefore":"Responda","w3legal.smsOptInReplyHelp":"para obtener ayuda o","w3legal.smsOptInReplyAfter":"para cancelar en cualquier momento. Los operadores no se hacen responsables de los mensajes retrasados o no entregados. No enviamos textos de marketing ni promocionales, y nunca vendemos, alquilamos ni compartimos su n\xfamero de tel\xe9fono m\xf3vil ni sus datos de suscripci\xf3n a SMS con terceros.","w3legal.smsFullTerms":"T\xe9rminos completos de SMS","w3legal.smsRatesMayApply":"Pueden aplicarse tarifas de mensajes y datos.","w3legal.smsTermsTitle":"T\xe9rminos de comunicaciones por SMS","w3legal.smsTermsTocWhoSends":"1. Qui\xe9n env\xeda estos mensajes","w3legal.smsTermsTocCategories":"2. Categor\xedas de mensajes","w3legal.smsTermsTocOptIn":"3. C\xf3mo dar su consentimiento","w3legal.smsTermsTocFrequency":"4. Frecuencia de los mensajes","w3legal.smsTermsTocOptOut":"5. Palabras clave para cancelar y obtener ayuda","w3legal.smsTermsTocRates":"6. Tarifas de mensajes y datos","w3legal.smsTermsTocCarriers":"7. Operadores compatibles y entrega","w3legal.smsTermsTocPrivacy":"8. Privacidad","w3legal.smsTermsTocChanges":"9. Cambios a estos t\xe9rminos","w3legal.smsTermsTocContact":"10. Contacto","w3legal.smsWhoSendsBody":"Los mensajes SMS de Unified Loan System son enviados por California Mortgage Solutions, Inc. (que opera bajo el nombre comercial “Unified Loan System”), una corredur\xeda hipotecaria con licencia en California. Los mensajes se originan en n\xfameros de tel\xe9fono que han sido registrados y verificados con nuestro proveedor de telecomunicaciones, Twilio Inc.","w3legal.smsCategoriesIntro":"Unified Loan System ejecuta tres programas de SMS independientes. Cada uno requiere su propia aceptaci\xf3n afirmativa, registrada al crear la cuenta o en su solicitud de pr\xe9stamo. Puede aceptar cualquier combinaci\xf3n de ellos (o ninguno).","w3legal.smsCategoriesItem1Label":"Mensajes de seguridad y autenticaci\xf3n.","w3legal.smsCategoriesItem1Body":"C\xf3digos 2FA, alertas de seguridad de la cuenta y mensajes de seguridad. Frecuencia t\xedpica: 5-10 mensajes por mes.","w3legal.smsCategoriesItem2Label":"Estado del pr\xe9stamo y actualizaciones operativas.","w3legal.smsCategoriesItem2Body":"Notificaciones del estado del pr\xe9stamo, solicitudes de documentos y comunicaciones del prestamista sobre su expediente de pr\xe9stamo activo. Frecuencia t\xedpica: 5-15 mensajes por mes.","w3legal.smsCategoriesItem3Label":"Recordatorios de documentos, cierre y firma electr\xf3nica.","w3legal.smsCategoriesItem3Body":"Solicitudes de firma electr\xf3nica, recordatorios de la fecha de cierre y notificaciones de firma de documentos. Frecuencia t\xedpica: 2-8 mensajes por mes.","w3legal.smsCategoriesIndependentBefore":"Cada programa es independiente. Enviar el texto","w3legal.smsCategoriesIndependentAfter":"revoca los tres a la vez, y el interruptor de SMS en Configuraci\xf3n → Notificaciones pausa todos los mensajes de texto a su n\xfamero. Para cambiar una sola categor\xeda, comun\xedquese con","w3legal.smsCategoriesBroker":"Las cuentas de corredor (broker) tienen categor\xedas opcionales an\xe1logas, registradas de la misma manera al registrarse como corredor: seguridad y autenticaci\xf3n (5-10/mes), actividad del espacio de trabajo y la cartera (10-25/mes), y actividad de la cuenta y los documentos (2-8/mes).","w3legal.smsCategoriesNoMarketingLabel":"No envi

1amos SMS de marketing ni promocionales.","w3legal.smsCategoriesNoMarketingBody":"No compartimos su n\xfamero de tel\xe9fono con terceros ni afiliados para sus propios fines de marketing.","w3legal.smsOptInIntro":"Solo recibe SMS de Unified Loan System despu\xe9s de una aceptaci\xf3n expl\xedcita y afirmativa. La aceptaci\xf3n se registra de una de las siguientes maneras:","w3legal.smsOptInSignupLabel":"Durante el registro de la cuenta","w3legal.smsOptInAtPrefix":"en","w3legal.smsOptInOr":"o","w3legal.smsOptInSignupAfter":", al marcar una casilla de consentimiento que autoriza a Unified Loan System a enviar SMS transaccionales al n\xfamero de tel\xe9fono que usted proporcione.","w3legal.smsOptInApplyLabel":"Durante la solicitud de pr\xe9stamo","w3legal.smsOptInApplyAfter":", Paso 10 (“Divulgaciones y Consentimiento”), donde aparecen las mismas tres casillas de categor\xedas opcionales: cada categor\xeda que marque registra su propio consentimiento de SMS independiente.","w3legal.smsOptInOtherPurpose":"Los n\xfameros de tel\xe9fono recopilados para cualquier otro prop\xf3sito (p. ej., informaci\xf3n de contacto de su oficial de pr\xe9stamos) no se inscriben en SMS hasta que usted acepte por separado.","w3legal.smsFrequencyBody":"La frecuencia de los mensajes var\xeda seg\xfan la categor\xeda. Consulte la Secci\xf3n 2 anterior para conocer los rangos t\xedpicos por categor\xeda (Seguridad y autenticaci\xf3n: 5-10/mes; Estado del pr\xe9stamo y actualizaciones operativas: 5-15/mes; Recordatorios de documentos, cierre y firma electr\xf3nica: 2-8/mes). Su volumen mensual total depende de las categor\xedas a las que se haya suscrito y de la actividad en su expediente de pr\xe9stamo. Los c\xf3digos de autenticaci\xf3n se env\xedan \xfanicamente cuando usted inicia un inicio de sesi\xf3n o una acci\xf3n sensible.","w3legal.smsOptOutIntro":"Puede cancelar su suscripci\xf3n en cualquier momento respondiendo con cualquiera de las siguientes palabras clave a cualquier SMS que reciba de Unified Loan System:","w3legal.smsOptOutAfterStopBefore":"Despu\xe9s de enviar la palabra clave STOP, recibir\xe1 un \xfaltimo mensaje de confirmaci\xf3n y no se enviar\xe1n m\xe1s SMS a ese n\xfamero hasta que vuelva a suscribirse. Para volver a suscribirse, responda con","w3legal.smsOptOutReplyBefore":"Responda","w3legal.smsOptOutReplyMiddle":"en cualquier momento para obtener informaci\xf3n de soporte, o visite","w3legal.smsOptOutReplyEmail":"Tambi\xe9n puede enviar un correo electr\xf3nico a","w3legal.smsOptOutImportantLabel":"Importante:","w3legal.smsOptOutImportantBody":"cancelar la suscripci\xf3n a SMS no cancela su suscripci\xf3n a correos electr\xf3nicos ni a notificaciones dentro de la aplicaci\xf3n, y no afecta el expediente del pr\xe9stamo subyacente. Algunos flujos de autenticaci\xf3n pueden requerir que utilice un m\xe9todo alternativo (p. ej., una aplicaci\xf3n de autenticaci\xf3n o un c\xf3digo por correo electr\xf3nico) si los SMS est\xe1n desactivados.","w3legal.smsRatesBody":"Unified Loan System no cobra ninguna tarifa por los SMS, pero su operador de telefon\xeda m\xf3vil puede cobrarle por los mensajes recibidos o enviados seg\xfan su plan. Comun\xedquese con su operador para obtener detalles sobre las tarifas de mensajer\xeda de su plan.","w3legal.smsCarriersBody":"Unified Loan System admite la entrega de SMS a todos los principales operadores de telefon\xeda m\xf3vil de EE. UU., incluidos AT&T, Verizon, T-Mobile, US Cellular, Sprint, Boost Mobile, MetroPCS y otros. Los operadores no son responsables de los mensajes retrasados o no entregados. No se garantiza la entrega de ning\xfan mensaje individual.","w3legal.smsPrivacyBefore":"Los n\xfameros de tel\xe9fono y el estado de suscripci\xf3n a SMS se tratan como informaci\xf3n personal seg\xfan nuestra","w3legal.smsPrivacyAfter":"No vendemos, alquilamos ni compartimos n\xfameros de tel\xe9fono, datos de suscripci\xf3n ni contenido de SMS con terceros para sus fines de marketing. Los n\xfameros de tel\xe9fono se comparten \xfanicamente con nuestro proveedor de entrega de SMS (Twilio) estrictamente con el fin de enviar los mensajes que ha optado por recibir.","w3legal.smsChangesBody":"Podemos actualizar estos T\xe9rminos de SMS de vez en cuando. Los cambios materiales se reflejar\xe1n en la fecha de “Last Updated” indicada arriba. La continuaci\xf3n de la inscripci\xf3n en SMS despu\xe9s de los cambios constituye la aceptaci\xf3n de los t\xe9rminos actualizados. Si cambiamos materialmente las categor\xedas de mensajes que enviamos, recibir\xe1 un aviso dentro de la aplicaci\xf3n o por correo electr\xf3nico y es posible que deba volver a confirmar su suscripci\xf3n.","w3legal.smsContactIntro":"Preguntas sobre estos T\xe9rminos de SMS o sobre los mensajes que ha recibido de Unified Loan System:","w3legal.smsContactEmailLabel":"Correo electr\xf3nico:","w3legal.smsContactWebLabel":"Web:","w3legal.smsContactEntity":"Entidad operadora: California Mortgage Solutions, Inc., San Luis Obispo, CA","w3legal.smsSeeAlsoOur":"Consulte tambi\xe9n nuestra","w3info.changelog.eyebrow":"Registro de cambios","w3info.changelog.heroPre":"Novedades en","w3info.changelog.heroSub":"Cada versi\xf3n, cada mejora. Lanzamos r\xe1pido y lo documentamos todo.","w3info.changelog.date.may2026":"Mayo de 2026","w3info.changelog.date.apr2026":"Abril de 2026","w3info.changelog.tag.major":"Versi\xf3n principal","w3info.changelog.tag.feature":"Nueva funci\xf3n","w3info.changelog.tag.infra":"Infraestructura","w3info.changelog.tag.fix":"Correcci\xf3n de errores","w3info.changelog.v32.title":"Consulta de cr\xe9dito Tri-Merge + an\xe1lisis de informe de cr\xe9dito con IA","w3info.changelog.v32.item1":"Consultas de cr\xe9dito tri-merge en vivo mediante SoftPro/FactualData con puntajes reales de las agencias de cr\xe9dito","w3info.changelog.v32.item2":"Resumen de cr\xe9dito generado por IA mostrado directamente en el expediente del pr\xe9stamo","w3info.changelog.v32.item3":"Widget de panel de cr\xe9dito con resumen de l\xedneas de cr\xe9dito y alertas de antecedentes negativos","w3info.changelog.v32.item4":"Control de autenticaci\xf3n del proxy de IA del administrador: todos los endpoints de IA ahora requieren una sesi\xf3n v\xe1lida","w3info.changelog.v31.title":"Firma electr\xf3nica interna v1: en vivo de extremo a extremo","w3info.changelog.v31.item1":"Firma electr\xf3nica interna conforme con PAdES, sin tarifa de DocuSign por sobre","w3info.changelog.v31.item2":"Registro de auditor\xeda del prestatario: IP, marca de tiempo y campos firmados capturados por evento","w3info.changelog.v31.item3":"Certificado de firma de desarrollo activo en producci\xf3n; ruta del certificado DigiCert documentada para la transici\xf3n ante inversores","w3info.changelog.v31.item4":"Worker de PDF.js fijado: protecci\xf3n contra archivos de cero bytes en todos los documentos subidos","w3info.changelog.v31.item5":"Probado en smoke test: sobre af503135 firmado en el pr\xe9stamo c7eb5d59","w3info.changelog.v30.title":"Refuerzo de seguridad: lanzamiento de tres niveles","w3info.changelog.v30.item1":"Bloqueo de cuenta, verificaci\xf3n de filtraciones HIBP, MFA para brokers, alertas por correo de nuevos dispositivos","w3info.changelog.v30.item2":"Preguntas de seguridad, vinculaci\xf3n de sesi\xf3n por IP/UA, autenticaci\xf3n reforzada para campos sensibles","w3info.changelog.v30.item3":"Claves de acceso (WebAuthn) mediante @simplewebauthn: compatibilidad total con navegadores","w3info.changelog.v30.item4":"Panel de inicios de sesi\xf3n recientes + cerrar sesi\xf3n en todos los dispositivos + alertas de viaje imposible","w3info.changelog.v30.item5":"Tiempo de espera por inactividad + interfaz de registro de auditor\xeda del administrador en /admin/audit","w3info.changelog.v29.title":"Ingresos bancarios de Plaid + esc\xe1ner de identificaci\xf3n","w3info.changelog.v29.item1":"Integraci\xf3n con Plaid Link: sandbox en vivo, producci\xf3n supeditada a la firma del MSA","w3info.changelog.v29.item2":"Esc\xe1ner de c\xf3digo de barras AAMVA: 3 modos (carga/c\xe1mara/tras

1paso por QR), extracci\xf3n de 3 niveles","w3info.changelog.v29.item3":"Decodificaci\xf3n en el navegador con Dynamsoft, con servidor ZXing y respaldo de OCR de visi\xf3n","w3info.changelog.v29.item4":"Conexi\xf3n de Cashflow/Income Insights, Consumer Report e Identity Match de Plaid","w3info.changelog.v28.title":"Motor de conversaci\xf3n de IA Breeze","w3info.changelog.v28.item1":"Sistema de respuestas Breeze: 12 funciones lanzadas: programaci\xf3n inteligente, OAuth de Gmail, sincronizaci\xf3n de calendario","w3info.changelog.v28.item2":"Tarjetas de acci\xf3n de Breeze: 8 tipos de acci\xf3n, tarjetas de correcci\xf3n que detectan brechas, inyecci\xf3n de campos del 1003","w3info.changelog.v28.item3":"Selector de historial de conversaciones + persistencia entre sesiones","w3info.changelog.v28.item4":"Modos de simulaci\xf3n de escenarios, voz y copiloto de cumplimiento","w3info.changelog.v27.title":"Motor de cumplimiento + hallazgos de AUS","w3info.changelog.v27.item1":"ATR, HMDA, OFAC, federal \xa71026.32 de alto costo + enrutamiento estatal de CA/NY/TX/FL","w3info.changelog.v27.item2":"Plantillas de hallazgos de AUS: DU y LP se prellenan con ingreso calificable/DTI/LTV","w3info.changelog.v27.item3":"Exportaci\xf3n MISMO 3.4 en vivo: lista para la entrega al prestamista","w3info.changelog.v27.item4":"Exportador HMDA LAR + rec\xe1lculo de cumplimiento en cada edici\xf3n del pr\xe9stamo","w3info.changelog.v26.title":"Almacenamiento de documentos NAS + portal del prestatario","w3info.changelog.v26.item1":"MinIO en NAS Synology mediante Cloudflare Tunnel: todas las cargas fuera de la nube","w3info.changelog.v26.item2":"Portal del prestatario reconstruido: 6 subp\xe1ginas de configuraci\xf3n, perfil, contrase\xf1a, notificaciones","w3info.changelog.v26.item3":"Flujo 1003 para invitados (Opci\xf3n A: sin NPI antes del registro) con autocompletado al registrarse","w3info.changelog.v26.item4":"Recorrido en la primera visita + gu\xeda /borrower/help lanzada","w3info.changelog.ctaTextPre":"Lanzamos varias veces por semana. Marca el repositorio con una estrella o sigue","w3info.changelog.ctaTextPost":"para recibir actualizaciones en tiempo real.","w3info.changelog.ctaStartBuilding":"Empieza a construir","w3info.changelog.ctaSeeFeatures":"Ver todas las funciones","w3info.resources.eyebrow":"Recursos","w3info.resources.heroPre":"Broker","w3info.resources.heroAccent":"Recursos","w3info.resources.heroSub":"Gu\xedas, documentaci\xf3n y soporte para ayudarte a aprovechar al m\xe1ximo Unified Loan System.","w3info.resources.card.knowledgeBase.title":"Base de conocimientos","w3info.resources.card.knowledgeBase.desc":"Gu\xedas paso a paso sobre el panel, la carga de documentos, las decisiones de evaluaci\xf3n crediticia con IA y las verificaciones de cumplimiento.","w3info.resources.card.knowledgeBase.action":"Ver gu\xedas","w3info.resources.card.apiDocs.title":"Documentaci\xf3n de la API","w3info.resources.card.apiDocs.desc":"Documentaci\xf3n t\xe9cnica para integrar Unified Loan System con tu CRM, LOS o frontend personalizado existente mediante la API REST.","w3info.resources.card.apiDocs.action":"Leer documentaci\xf3n","w3info.resources.card.videos.title":"Tutoriales en video","w3info.resources.card.videos.desc":"Tutoriales grabados en pantalla del portal del prestatario, la gesti\xf3n de la cartera y los flujos de revisi\xf3n de condiciones con IA.","w3info.resources.card.videos.action":"Ver videos","w3info.resources.card.compliance.title":"Gu\xedas de cumplimiento","w3info.resources.card.compliance.desc":"Documentaci\xf3n sobre HMDA, ATR/Reg Z, OFAC y la prueba estatal de alto costo, con ejemplos resueltos y listas de verificaci\xf3n de exportaci\xf3n.","w3info.resources.card.compliance.action":"Ver cumplimiento","w3info.resources.supportCta.heading":"\xbfNecesitas soporte personalizado?","w3info.resources.supportCta.body":"Nuestro equipo de \xe9xito de brokers est\xe1 disponible. Para expedientes complejos, preguntas de cumplimiento o ayuda con la incorporaci\xf3n, comun\xedcate directamente.","w3info.resources.supportCta.contact":"Contactar con soporte","w3info.resources.supportCta.allOptions":"Todas las opciones de contacto","w3info.apiDocs.backToResources":"Volver a Recursos","w3info.apiDocs.title":"Documentaci\xf3n de la API","w3info.apiDocs.subtitle":"Integra el motor de evaluaci\xf3n crediticia de Unified Loan System directamente en tu CRM.","w3info.apiDocs.previewNote":"Esta es una vista previa. Para acceder a la referencia completa de la API, comun\xedcate con nuestro equipo de ingenier\xeda.","w3info.apiDocs.requestAccess":"Solicitar acceso a la API","w3info.guides.backToResources":"Volver a Recursos","w3info.guides.title":"Base de conocimientos","w3info.guides.subtitle":"Todo lo que necesitas saber sobre el uso de Unified Loan System.","w3info.guides.cat.gettingStarted":"Primeros pasos","w3info.guides.cat.documentManagement":"Gesti\xf3n de documentos","w3info.guides.cat.underwriting

1Conditions":"Evaluaci\xf3n crediticia y condiciones","w3info.guides.link.settingUpProfile":"Configurar tu perfil de broker","w3info.guides.link.invitingClient":"Invitar a tu primer cliente","w3info.guides.link.dashboardOverview":"Entender el panel","w3info.guides.link.scanningBestPractices":"Mejores pr\xe1cticas para escanear","w3info.guides.link.resolvingOcrErrors":"Resolver errores de OCR","w3info.guides.link.secureSharing":"Compartir documentos de forma segura","w3info.guides.link.interpretingAi":"Interpretar las decisiones de la IA","w3info.guides.link.clearingConditions":"Liberar condiciones autom\xe1ticamente","w3info.guides.link.manualReview":"Solicitar revisi\xf3n manual","w3info.guideArticle.backToKb":"Volver a la Base de conocimientos","w3info.guideArticle.helpful":"\xbfTe result\xf3 \xfatil este art\xedculo?","w3info.guideArticle.yes":"S\xed","w3info.guideArticle.no":"No","w3info.support.backToResources":"Volver a Recursos","w3info.support.title":"Contactar con soporte","w3info.support.subtitle":"Nuestro equipo de \xe9xito est\xe1 aqu\xed para ayudarte a liberar condiciones y cerrar pr\xe9stamos.","w3info.support.emailUs":"Env\xedanos un correo","w3info.support.emailResponse":"Tiempo de respuesta promedio de 4 horas","w3info.support.liveChat":"Chat en vivo","w3info.support.chatAvailability":"Disponible en el panel","w3info.support.chatHours":"Lun. a vie. de 9:00 a 18:00 EST","w3info.support.submitTicket":"Enviar un ticket","w3info.support.subjectLabel":"Asunto","w3info.support.subjectPlaceholder":"Breve descripci\xf3n del problema","w3info.support.messageLabel":"Mensaje","w3info.support.messagePlaceholder":"Cu\xe9ntanos m\xe1s sobre lo que sucedi\xf3...","w3info.support.submitRequest":"Enviar solicitud","w3info.beta.errorInvalid":"C\xf3digo de acceso beta no v\xe1lido. Int\xe9ntalo de nuevo.","w3info.beta.errorGeneric":"Algo sali\xf3 mal. Int\xe9ntalo de nuevo.","w3info.beta.eyebrow":"Beta privada","w3info.beta.title":"Acceso beta","w3info.beta.subtitle":"Esta plataforma est\xe1 en desarrollo privado. Introduce tu c\xf3digo de invitaci\xf3n para continuar.","w3info.beta.invitationCode":"C\xf3digo de invitaci\xf3n","w3info.beta.unlockAccess":"Desbloquear acceso","w3info.beta.loading":"Cargando…","w3borrower.toastUploading":"Subiendo {name}…","w3borrower.toastUploaded":"{name} subido — su oficial de pr\xe9stamos lo revisar\xe1.","w3borrower.toastUploadFailed":"Error al subir: {reason}","w3borrower.uploadRejected":"Carga rechazada","w3borrower.loadingCondition":"Cargando condici\xf3n…","w3borrower.conditionNotFound":"Condici\xf3n no encontrada.","w3borrower.allConditions":"Todas las condiciones","w3borrower.veraSuggestionPlainEnglish":"\xbfQu\xe9 significa esto en palabras sencillas?","w3borrower.veraSuggestionWhereDocument":"\xbfD\xf3nde obtengo este documento?","w3borrower.veraSuggestionHowLong":"\xbfCu\xe1nto tiempo tomar\xe1 esto?","w3borrower.veraSuggestionFromPhone":"\xbfPuedo enviar esto desde mi tel\xe9fono?","w3borrower.veraWelcome":"D\xedgame qu\xe9 le resulta confuso de esta condici\xf3n.","w3borrower.errInvalidCode":"C\xf3digo inv\xe1lido o expirado. Int\xe9ntelo de nuevo.","w3borrower.errSomethingWrong":"Algo sali\xf3 mal.","w3borrower.errThrottled":"Demasiado pronto — espere aproximadamente un minuto y vuelva a intentarlo.","w3borrower.errAuthenticatorApp":"Esta cuenta usa una aplicaci\xf3n de autenticaci\xf3n. \xc1brala y use el c\xf3digo actual de 6 d\xedgitos.","w3borrower.errResendFailed":"No se pudo reenviar el c\xf3digo. Verifique su conexi\xf3n y vuelva a intentarlo.","w3borrower.verifyEyebrow":"Prestatario","w3borrower.verifyTitle":"Una \xfaltima verificaci\xf3n — confirme que es usted","w3borrower.verifySubtitleEmailPrefix":"Acabamos de enviar un c\xf3digo de 6 d\xedgitos por correo electr\xf3nico a","w3borrower.verifySubtitleNoEmail":"Acabamos de enviarle un c\xf3digo de 6 d\xedgitos por correo electr\xf3nico.","w3borrower.newCodeSent":"Nuevo c\xf3digo enviado — revise su bandeja de entrada (y la carpeta de spam).","w3borrower.whyCodeHeading":"Por qu\xe9 necesitamos un c\xf3digo","w3borrower.whyCodeBody1":"Incluso si alguien tiene su contrase\xf1a, no puede iniciar sesi\xf3n sin acceso a su bandeja de entrada. Enviamos un c\xf3digo de 6 d\xedgitos","w3borrower.whyCodeBodyEmphasis":"cada vez que inicia sesi\xf3n desde un dispositivo nuevo","w3borrower.whyCodeBody2":"— una vez que lo hemos visto en este navegador antes, no se le volver\xe1 a solicitar durante 30 d\xedas.","w3borrower.lookForEmail":"Busque este correo electr\xf3nico","w3borrower.emailFromLabel":"De:","w3borrower.emailSubjectLabel":"Asunto:","w3borrower.emailSubjectValue":"Su c\xf3digo de inicio de sesi\xf3n de Unified Loan System","w3borrower.codeExpiresBefore":"El c\xf3digo expira en","w3borrower.codeExpiresDuration":"10 minutos","w3borrower.typeCodeLabel":"Escriba el c\xf3digo de 6 d\xedgitos a continuaci\xf3n","w3borrower.codeTip":"Consejo: la mayor\xeda de las aplicaciones de correo muestran el c\xf3digo en la l\xednea de vista previa — es posible que no necesite abrir el correo electr\xf3nico.","w3borrower.verifyAndSignIn":"Verificar e iniciar sesi\xf3n","w3borrower.backToSignIn":"Volver a iniciar sesi\xf3n","w3borrower.resendAriaSending":"Enviando nuevo c\xf3digo…","w3borrower.resendAriaSent":"C\xf3digo enviado — revise la bandeja de entrada","w3borrower.resendAriaIdle":"Enviar un nuevo c\xf3digo","w3borrower.resendSending":"Enviando…","w3borrower.resendSent":"Enviado — revise la bandeja de entrada","w3borrower.resendIdle":"Enviar un nuevo c\xf3digo","w3borrower.spamHint":'\xbfNo ve el c\xf3digo? Revise su carpeta de spam o promociones. Si el c\xf3digo expira, presione "Enviar un nuevo c\xf3digo" arriba.',"w3borrower.loading":"Cargando…","w3borrower.offlineTitle":"Est\xe1 sin conexi\xf3n","w3borrower.offlineBody":"Parece que se perdi\xf3 su conexi\xf3n. Su solicitud de pr\xe9stamo est\xe1 segura — cada campo guardado est\xe1 en nuestros servidores, y cualquier edici\xf3n en curso se sincronizar\xe1 tan pronto como vuelva a estar en l\xednea.","w3borrower.offlineReconnecting":"Reconectando…","w3borrower.offlineTryAgain":"Intentar de nuevo","w3borrower.offlineBorrowerDashboard":"Panel del prestatario","w3borrower.offlineContinueApplication":"Contin\xfae su solicitud","w3borrower.offlineTip":"Consejo: el asistente de solicitud 1003 funciona sin conexi\xf3n — sus ediciones se sincronizan con nuestros servidores tan pronto como vuelva a estar en l\xednea.","w3borrower.paymentReceivedTitle":"Pago recibido","w3borrower.cardSavedTitle":"Tarjeta guardada en archivo","w3borrower.paymentReceivedBody":"Gracias. Su corredor ha sido notificado autom\xe1ticamente, y Stripe le enviar\xe1 por correo electr\xf3nico un recibo detallado en breve.","w3borrower.cardSavedBody":"Su tarjeta de pago ahora est\xe1 guardada de forma segura con Stripe. Su corredor ser\xe1 n

1otificado autom\xe1ticamente — no necesita hacer nada m\xe1s.","w3borrower.cardSavedDisclaimerBefore":"Su tarjeta","w3borrower.cardSavedDisclaimerNot":"no","w3borrower.cardSavedDisclaimerAfter":"se cobrar\xe1 a menos que su pr\xe9stamo no se cierre, y solo por costos documentados de terceros que su corredor pag\xf3 en su nombre. Recibir\xe1 una notificaci\xf3n detallada antes de cualquier cargo.","w3borrower.paymentCanceledTitle":"Pago cancelado","w3borrower.cardNotSavedTitle":"Tarjeta no guardada","w3borrower.paymentCanceledBody":"Cancel\xf3 antes de completar el pago, por lo que no se realiz\xf3 ning\xfan cargo. Puede cerrar esta pesta\xf1a o usar nuevamente el enlace de su corredor cuando est\xe9 listo.","w3borrower.cardNotSavedBody":"Cancel\xf3 antes de completar la configuraci\xf3n, por lo que no se guard\xf3 ninguna tarjeta. Puede cerrar esta pesta\xf1a o usar nuevamente el enlace de su corredor cuando est\xe9 listo.","w3borrower.closeThisTab":"Cerrar esta pesta\xf1a","w3borrower.verifyUniversalTitle":"Verificaci\xf3n de Entrenamiento Universal","w3borrower.testSuite":"Conjunto de pruebas","w3borrower.testSuiteDescription":'Ejecutando pruebas exhaustivas contra la nueva l\xf3gica de "Entrenamiento Universal de Documentos". Esto simula 11 tipos diferentes de documentos, incluidos declaraciones de impuestos, formularios W-2, identificaciones y m\xe1s.',"w3borrower.runningTests":"Ejecutando pruebas...","w3borrower.runComprehensiveTests":"Ejecutar pruebas exhaustivas","w3borrower.results":"Resultados","w3borrower.expectedLabel":"Esperado:","w3borrower.actualLabel":"Real:","w3borrower.pass":"APROBADO","w3borrower.fail":"FALLIDO","w3borrower.confLabel":"Conf.:","w3borrower.plaidExchangeFailed":"Fall\xf3 el intercambio bancario","w3borrower.plaidLinked":"Banco vinculado — obteniendo sus cuentas ahora.","w3borrower.plaidReconnectFailed":"Fall\xf3 la marca de reconexi\xf3n","w3borrower.plaidReconnected":"Banco reconectado — los datos de su pr\xe9stamo est\xe1n actualizados nuevamente.","w3borrower.plaidFinishFailed":"No pudimos terminar de vincular su banco. Int\xe9ntelo de nuevo o use la carga manual.","w3borrower.plaidSessionEnded":"La sesi\xf3n bancaria termin\xf3 inesperadamente. Int\xe9ntelo de nuevo o cargue los estados de cuenta.","w3borrower.plaidSessionExpiredTitle":"La sesi\xf3n de vinculaci\xf3n bancaria expir\xf3","w3borrower.plaidSessionExpiredBody1":"No pudimos encontrar una sesi\xf3n de vinculaci\xf3n bancaria activa. Esto suele ocurrir cuando la autorizaci\xf3n en su banco tard\xf3 m\xe1s de lo esperado, o cuando esta p\xe1gina se recarg\xf3.","w3borrower.plaidSessionExpiredBody2":"Regrese a su solicitud de pr\xe9stamo y haga clic en Conectar Banco nuevamente para iniciar una sesi\xf3n nueva.","w3borrower.plaidBackToDashboard":"Volver al panel","w3borrower.plaidLinkingTitle":"Vinculando su banco…","w3borrower.plaidResumingTitle":"Reanudando la conexi\xf3n bancaria…","w3borrower.plaidLinkingBody":"Casi listo — guardando sus cuentas en su expediente de pr\xe9stamo.","w3borrower.plaidResumingBody":"Solo un momento mientras nos reconectamos a su banco despu\xe9s de la autorizaci\xf3n.","w3sign.error.heading":"No se puede firmar","w3sign.error.missingToken":"Falta el token de acceso.","w3sign.error.invalidLink":"Este enlace de firma no es v\xe1lido o ha caducado.","w3sign.error.notFound":"No se encontr\xf3 el sobre.","w3sign.error.alreadySigned":"Este documento ya ha sido firmado.","w3sign.error.declined":"Esta solicitud de firma fue rechazada.","w3sign.error.linkUsed":"Este enlace de firma ya ha sido utilizado.","w3sign.error.somethingWrong":"Algo sali\xf3 mal","w3sign.error.tryAgain":"Intentar de nuevo","w3sign.doc.fallbackTitle":"Documento","w3sign.consent.recordError":"No se pudo registrar el consentimiento ({status})","w3sign.consent.recordErrorRetry":"No se pudo registrar su consentimiento. Int\xe9ntelo de nuevo.","w3sign.decline.failed":"Error al rechazar: {status}","w3sign.decline.recordError":"No se pudo registrar el rechazo.","w3sign.decline.button":"Rechazar la firma","w3sign.submit.placeAllFirst":"Primero coloque su firma en cada ubicaci\xf3n requerida.","w3sign.submit.failed":"Error al firmar: {status}","w3sign.submit.failedRetry":"No se pudo enviar la firma. Int\xe9ntelo de nuevo.","w3sign.submit.button":"Enviar documento firmado","w3sign.submit.needMoreOne":"Firme 1 campo m\xe1s para continuar","w3sign.submit.needMoreMany":"Firme {count} campos m\xe1s para continuar","w3sign.submitting.loaderLabel":"Procesando firma…","w3sign.submitting.title":"Enviando su firma…","w3sign.submitting.body":"Un momento — estamos finalizando el documento firmado.","w3sign.done.iconLabel":"\xc9xito","w3sign.done.title":"\xa1Ha completado la firma!","w3sign.done.bodyBefore":"Su documento firmado ha sido sellado. Se enviar\xe1 una copia por correo electr\xf3nico a ","w3sign.done.bodyAfter":" en unos minutos.","w3sign.done.continue":"Continuar","backs.title":"Unas confirmaciones r\xe1pidas","backs.intro":"Antes de continuar, revise y firme estos avisos de configuraci\xf3n de su cuenta. Solo toma un minuto.","backs.item.esign":"Consentimiento para documentos y firmas electr\xf3nicas","backs.item.glba":"Aviso de privacidad","backs.item.holden":"Aviso de pr\xe9stamos 

1justos","backs.status.signed":"Firmado","backs.status.awaiting":"Por firmar","backs.cta.start":"Revisar y firmar","backs.cta.continue":"Continuar firmando","backs.cta.opening":"Abriendo…","backs.later":"Record\xe1rmelo m\xe1s tarde","backs.error":"Ocurri\xf3 un error al abrir la p\xe1gina de firma. Int\xe9ntelo de nuevo.","w3sign.declined.title":"Firma rechazada","w3sign.declined.body":"Hemos registrado su decisi\xf3n. Si cambia de opini\xf3n o tiene preguntas, comun\xedquese con su oficial de pr\xe9stamos.","w3sign.header.signingAs":"Firmando como","w3sign.sign.stepLabel":"Paso 2 de 2","w3sign.sign.heading":"Firme su documento","w3sign.sign.instructionCreate":"Cree su firma a continuaci\xf3n y luego toque cada campo resaltado en el documento para aplicarla.","w3sign.sign.instructionAllPlaced":"Todos los campos firmados: est\xe1 listo para enviar.","w3sign.sign.instructionProgress":"{placed} de {total} campos firmados. Toque cada campo resaltado para continuar.","w3sign.sign.createSignature":"Cree su firma","w3sign.sign.intentNote":"Cada campo que toque registra su intenci\xf3n de firmar en ese lugar. Su PDF firmado final se sella y se le env\xeda por correo electr\xf3nico cuando lo env\xeda.","w3sign.signature.label":"Su firma","w3sign.signature.change":"Cambiar","w3sign.signature.adoptedAlt":"Su firma adoptada","w3sign.signature.initialsLabel":"Iniciales:","w3sign.signature.dateLabel":"Fecha:","w3sign.placeAll.one":"Firmar el 1 campo restante de una vez","w3sign.placeAll.many":"Firmar los {count} campos restantes de una vez","w3sign.progress.pill":"{placed} de {total} firmados","w3sign.progress.pillAria":"{placed} de {total} campos de firma firmados","w3sign.progress.listAria":"Progreso de los campos de firma","w3sign.progress.fieldsHeading":"Campos de firma","w3sign.progress.noFields":"No se encontraron campos de firma en este documento.","w3sign.progress.page":"p\xe1gina {page}","w3sign.fieldType.initial":"Iniciales","w3sign.fieldType.date":"Fecha","w3sign.fieldType.signature":"Firma","common.skipToMain":"Saltar al contenido principal","rwset.heading":"Configuraci\xf3n","rwset.subheading":"Administre su cuenta y sus preferencias.","rwset.backToAll":"Volver a toda la configuraci\xf3n","rwset.all":"Todo","rwset.editInApplication":"\xbfNecesita actualizar su nombre, correo electr\xf3nico o tel\xe9fono? Ed\xedtelos en su solicitud","rwset.section.security.label":"Seguridad","rwset.section.security.desc":"Contrase\xf1a, 2FA, claves de acceso y preguntas de seguridad","rwset.section.notifications.label":"Notificaciones","rwset.section.notifications.desc":"C\xf3mo y cu\xe1ndo le informamos sobre su pr\xe9stamo","rwset.section.appearance.label":"Apariencia","rwset.section.appearance.desc":"Tema y color","rwset.section.connections.label":"Conexiones","rwset.section.connections.desc":"Cuentas bancarias y servicios vinculados","rwset.section.privacy.label":"Privacidad y datos","rwset.section.privacy.desc":"Descargue o elimine sus datos (CCPA / GDPR)","rwset.appearance.themeTitle":"Tema","rwset.appearance.themeDesc":"Elija claro, medianoche o negro absoluto.","rwset.appearance.themeMode.light":"claro","rwset.appearance.themeMode.midnight":"medianoche","rwset.appearance.themeMode.dark":"Negro absoluto","rwset.appearance.accentTitle":"Color de acento","rwset.appearance.accentDesc":"Se usa en botones, enlaces y resaltados.","rwset.appearance.accentColorAria":"Color de acento {color}","rwset.appearance.color.default":"\xcdndigo","rwset.appearance.color.ocean":"Oc\xe9ano","rwset.appearance.color.forest":"Bosque","rwset.appearance.color.sunset":"Atardecer","rwset.appearance.color.lavender":"Lavanda","rwset.privacy.intro":"Conforme a la CCPA de California y al GDPR, usted tiene derecho a ver, exportar o eliminar sus datos. Use los controles a continuaci\xf3n.","rwset.privacy.retentionNote":"Responderemos dentro de los 45 d\xedas. Algunos datos son obligatorios para el mantenimiento de registros federales (HMDA, BSA / OFAC, Reg B / ECOA, FCRA) y deben conservarse incluso despu\xe9s de eliminar las preferencias personales. Le indicaremos qu\xe9 campos est\xe1n sujetos a esa conservaci\xf3n cuando procesemos su solicitud.","rwset.connections.bankTitle":"Cuenta bancaria (Plaid)","rwset.connections.bankDesc":"Completa autom\xe1ticamente los saldos y estados de cuenta de su banco en su 1003. Puede desconectarla en cualquier momento; al desconectarla, tambi\xe9n se eliminan los datos que almacenamos en cach\xe9 de Plaid.","rwset.connections.loading":"Cargando…","rwset.connections.startToConnect":"Inicie una solicitud para conectar un banco.","rwset.connections.bankConnected":"Banco conectado","rwset.connections.bankConnectedNamed":"Banco conectado — {institution}","rwset.connections.noBank":"No hay ning\xfan banco conectado. Puede vincular uno desde la secci\xf3n de Activos de su solicitud.","rwset.connections.product.assetReport":"Informe de activos","rwset.connections.product.assetReportPending":"Obteniendo 2 a\xf1os de saldos…","rwset.connections.product.incomeVerification":"Verificaci\xf3n de ingresos","rwset.connections.product.incomeVerificationPending":"Analizando dep\xf3sitos directos…","rwset.connections.product.consumerReport":"Informe del consumidor","rwset.connections.product.consumerReportPending":"Generando indicadores de flujo de caja…","rwset.connections.product.ready":"Listo","rwset.connections.product.failed":"Fall\xf3 — comun\xedquese con su agente de pr\xe9stamos","rwset.security.twoFactorTitle":"Autenticaci\xf3n de dos factores","rwset.security.twoFactorDesc":"Agrega un c\xf3digo de una aplicaci\xf3n de autenticaci\xf3n adem\xe1s de su contrase\xf1a.","rwset.security.passkeysTitle":"Claves de acceso","rwset.security.passkeysDesc":"Inicie sesi\xf3n con su huella digital, rostro o PIN del dispositivo: resistente al phishing y recomendado.","rwset.security.questionsTitle":"Preguntas de seguridad","rwset.security.questionsDesc":"Se usan como respaldo cuando inicia sesi\xf3n desde un dispositivo nuevo.","rwset.security.signInsTitle":"Inicios de sesi\xf3n recientes","rwset.security.signInsDesc":"Dispositivos que han iniciado sesi\xf3n en su cuenta. Si no reconoce alguno, cambie su contrase\xf1a.","rwset.security.password.title":"Contrase\xf1a","rwset.security.password.desc":"Cambiar su contrase\xf1a cierra la sesi\xf3n en otros dispositivos.","rwset.security.password.currentPlaceholder":"Contrase\xf1a actual","rwset.security.password.currentAria":"Contrase\xf1a actual","rwset.security.password.newPlaceholder":"Contrase\xf1a nueva","rwset.security.password.newAria":"Contrase\xf1a nueva","rwset.security.password.confirmPlaceholder":"Confirmar contrase\xf1a nueva","rwset.security.password.confirmAria":"Confirmar contrase\xf1a nueva","rwset.security.password.errMinLength":"La nueva contrase\xf1a debe tener al menos 8 caracteres.","rwset.security.password.errMismatch":"Las contrase\xf1as nuevas no coinciden.","rwset.security.password.errGeneric":"No se pudo cambiar la contrase\xf1a.","rwset.security.password.updated":"Contrase\xf1a actualizada.","rwset.security.password.saving":"Guardando…","rwset.security.password.changeBtn":"Cambiar contrase\xf1a","rwset.security.twoFactor.enabledNotice":"La 2FA est\xe1 habilitada.","rwset.security.twoFactor.disableBtn":"Deshabilitar 2FA","rwset.security.twoFactor.disableWarning":"Deshabilitar la 2FA significa que su cuenta depender\xe1 \xfanicamente de su contrase\xf1a y de los c\xf3digos por correo electr\xf3nico. \xbfEst\xe1 seguro?","rwset.security.twoFactor.cancel":"Cancelar","rwset.security.twoFactor.disabling":"Deshabilitando…","rwset.security.twoFactor.confirmDisable":"S\xed, deshabilitar la 2FA","rwset.security.twoFactor.loading":"Cargando…","rwset.security.twoFactor.setupBtn":"Configurar 2FA","rwset.security.twoFactor.scanInstructions":"Escanee con Google Authenticator, Authy o 1Password.","rwset.security.twoFactor.qrAlt":"C\xf3digo QR de 2FA","rwset.security.twoFactor.manualKey":"Clave manual:","rwset.security.twoFactor.codePlaceholder":"C\xf3digo de 6 d\xedgitos","rwset.security.twoFactor.codeAria":"C\xf3digo de 6 d\xedgitos del autenticador","rwset.security.twoFactor.verifyEnable":"Verificar y habilitar","rwset.notifications.errLoadPrefs":"No se pudieron cargar las preferencias.","rwset.notifications.errLoadConditions":"No se pudieron cargar las preferencias de condiciones.","rwset.notifications.errSaveFailed":"No se pudo guardar.","rwset.notifications.errSaveReverted":"No se pudo guardar: la opci\xf3n se revirti\xf3.","rwset.notifications.errSaveRetry":"No se pudo guardar: int\xe9ntelo de nuevo.","rwset.notifications.loading":"Cargando…","rwset.notifications.channelsTitle":"Canales","rwset.notifications.channelsDesc":"Se guarda autom\xe1ticamente.","rwset.notifications.emailLabel":"Correo electr\xf3nico","rwset.notifications.emailDesc":"Actualizaciones de estado, solicitudes de documentos e hitos.","rwset.notifications.smsLabel":"SMS","rwset.notifications.smsDesc":"Solo alertas urgentes: confirmaciones de bloqueo de tasa y solicitudes de firma.","rwset.notifications.voiceTitle":"Voz y accesibilidad","rwset.notifications.voiceDesc":"Controle c\xf3mo Breeze interact\xfaa con usted usando su voz.","rwset.notifications.voiceInputLabel":"Entrada de voz: permitirme dictar preguntas a Breeze","rwset.notifications.voiceInputDesc":"Usa el micr\xf3fono de su navegador. Se requiere compatibilidad del navegador.","rwset.notifications.voiceOutputLabel":"Salida de voz: leer las respuestas de Breeze en voz alta","rwset.notifications.voiceOutputDesc":"Aparece un bot\xf3n de reproducci\xf3n junto a cada mensaje de Breeze.","rwset.notifications.conditionTitle":"Notificaciones de condiciones","rwset.notifications.conditionDesc":"Elija qu\xe9 alertas se activan cuando su agente de pr\xe9stamos agrega o actualiza condiciones. Los canales que su agente de pr\xe9stamos 

1no ha habilitado se muestran atenuados.","rwset.notifications.condition.newEmail.label":"Correo electr\xf3nico de nueva condici\xf3n","rwset.notifications.condition.newEmail.desc":"Cuando se agregan nuevas condiciones a su pr\xe9stamo","rwset.notifications.condition.weeklyDigest.label":"Resumen semanal","rwset.notifications.condition.weeklyDigest.desc":"Resumen dominical de elementos pendientes","rwset.notifications.condition.staleReminder.label":"Recordatorio de condici\xf3n inactiva","rwset.notifications.condition.staleReminder.desc":"Un aviso a los 7 d\xedas cuando una condici\xf3n no ha tenido actividad","rwset.notifications.condition.inAppToast.label":"Aviso emergente en la app en su pr\xf3xima visita","rwset.notifications.condition.inAppToast.desc":"El n\xfamero de elementos nuevos que se muestra cuando abre el portal","rwset.notifications.condition.push.label":"Notificaci\xf3n push","rwset.notifications.condition.push.desc":"Push de PWA (la app debe estar instalada)","rwset.notifications.conditionDisabledTooltip":"Su agente de pr\xe9stamos no ha habilitado este canal","rwset.notifications.conditionNotEnabled":"No habilitado por su agente de pr\xe9stamos","rwset.notifications.noLoanNote":"A\xfan no se ha asignado ning\xfan pr\xe9stamo: sus preferencias se guardan y se aplicar\xe1n una vez que su agente de pr\xe9stamos est\xe9 conectado.","rwset.notifications.saveStatus.saving":"Guardando…","rwset.notifications.saveStatus.saved":"Guardado {time}","rwset.notifications.saveStatus.failed":"No se pudo guardar","rwset.notifications.saveStatus.upToDate":"Actualizado","rwdocs.statRequired":"Requeridos","rwdocs.statUploaded":"Subidos","rwdocs.statVerified":"Verificados","rwdocs.statTotalDocs":"Total de documentos","rwdocs.tileShowingEverything":"Mostrando todo","rwdocs.tileShowAll":"Mostrar todo","rwdocs.tileFilteringTapToClear":"Filtrando \xb7 toque para borrar","rwdocs.tileTapToFilter":"Toque para filtrar","rwdocs.smartUploadHeading":"Carga inteligente","rwdocs.smartUploadSubtitle":"Suelte cualquier archivo: identificamos qu\xe9 es y a d\xf3nde va.","rwdocs.dropZoneHeading":"Arrastre y suelte, o toque para explorar","rwdocs.dropZoneSubtitle":"Un solo archivo o un mont\xf3n: ordenamos y etiquetamos cada uno por usted.","rwdocs.browseFiles":"Explorar archivos","rwdocs.useCamera":"Usar c\xe1mara","rwdocs.supportsExtsMax":"Admite {exts} \xb7 hasta {size}MB cada uno","rwdocs.readingDocument":"Leyendo su documento…","rwdocs.ocrClassifierHint":"OCR + clasificador \xb7 normalmente 10–20 segundos","rwdocs.cameraOverlayLabel":"Mantenga su documento dentro del marco","rwdocs.backToDashboard":"Volver al panel","rwdocs.documentCenter":"Centro de documentos","rwdocs.pageHeading":"Los documentos de su pr\xe9stamo en un solo lugar","rwdocs.pageSubtitle":"Suba recibos de pago, declaraciones de impuestos, estados de cuenta bancarios e identificaci\xf3n. Aplicamos OCR a todo y enviamos cada archivo al lugar correcto: no tiene que etiquetar nada.","rwdocs.offlineBanner":"Est\xe1 sin conexi\xf3n. Se muestra su \xfaltima lista de documentos guardada; las cargas est\xe1n en pausa.","rwdocs.cachedFrom":"En cach\xe9 desde {date}","rwdocs.statusVerified":"Verificado","rwdocs.statusUploaded":"Subido","rwdocs.statusPending":"Pendiente","rwdocs.statusReviewing":"En revisi\xf3n","rwdocs.fileCountOne":"{count} archivo","rwdocs.fileCountMany":"{count} archivos","rwdocs.showingFilterOnly":"Mostrando solo {filter} \xb7 borrar ✕","rwdocs.filterRequired":"requeridos","rwdocs.filterUploaded":"subidos","rwdocs.filterVerified":"verificados","rwdocs.documentCollection":"Recopilaci\xf3n de documentos","rwdocs.collectedCount":"{done} de {total} recopilados","rwdocs.sectionRequired":"Requeridos","rwdocs.sectionStillNeeded":"A\xfan se necesita","rwdocs.stillNeededHint":"Una secci\xf3n a la vez: toque una para expandirla.","rwdocs.emptyNothingRequired":"No queda nada requerido aqu\xed","rwdocs.emptyAllCaughtUp":"Est\xe1 al d\xeda","rwdocs.emptyOptionalItemsPrefix":"A\xfan tiene elementos opcionales:","rwdocs.showEverything":"mostrar todo","rwdocs.emptyOptionalItemsSuffix":".","rwdocs.emptyEveryDocIn":"Todos los documentos de su lista est\xe1n aqu\xed. Buen trabajo.","rwdocs.sectionVerified":"Verificados","rwdocs.sectionSubmitted":"Env

1iados","rwdocs.emptyNothingVerified":"Nada verificado a\xfan","rwdocs.emptyNoDocsUploaded":"A\xfan no se han subido documentos","rwdocs.emptyVerifiedDescription":"Los documentos aparecen aqu\xed una vez que su equipo de pr\xe9stamo termina de verificarlos.","rwdocs.emptyNoDocsDescription":"Suelte un archivo en la zona de carga inteligente de arriba. Lo clasificaremos autom\xe1ticamente y lo enviaremos al lugar correcto.","rwdocs.readyToSubmit":"Listo para enviar","rwdocs.requiredRemainingOne":"Queda {count} elemento requerido","rwdocs.requiredRemainingMany":"Quedan {count} elementos requeridos","rwdocs.submitHeadingReady":"Env\xede su expediente para revisi\xf3n","rwdocs.submitHeadingAlmost":"Casi listo","rwdocs.submitDescriptionReady":"Una vez que env\xede, su oficial de pr\xe9stamos revisa su expediente y lo presenta a su prestamista.","rwdocs.submitDescriptionAlmost":"Suba arriba los elementos requeridos restantes. El bot\xf3n se desbloquea autom\xe1ticamente cuando termine.","rwdocs.submitting":"Enviando…","rwdocs.submitApplication":"Enviar solicitud","rwdocs.askVeraLabel":"Preg\xfantele a Breeze qu\xe9 documentos a\xfan necesita","rwdocs.askVeraPrompt":"Ay\xfademe a entender qu\xe9 documentos a\xfan necesito subir y para qu\xe9 sirve cada uno.","rwdocs.modalMismatchTitle":"Posible discrepancia detectada","rwdocs.cancel":"Cancelar","rwdocs.proceedAnyway":"Continuar de todos modos","rwdocs.modalLabelFile":"Archivo","rwdocs.modalLabelTargeting":"Destino","rwdocs.modalLabelDetected":"Detectado","rwdocs.noFilesUploaded":"No se han subido archivos","rwdocs.documentFallback":"Documento","rwdocs.toastScanning":"Escaneando {count} documentos...","rwdocs.toastProcessedOne":"Se proces\xf3 correctamente {count} documento.","rwdocs.toastProcessedMany":"Se procesaron correctamente {count} documentos.","rwdocs.toastCouldNotIdentify":"No se pudieron identificar los archivos subidos. S\xfabalos manualmente a una categor\xeda espec\xedfica.","rwdocs.toastAnalyzing":"Analizando documento...","rwdocs.toastUploadSuccess":"Documento subido correctamente.","rwdocs.toastUploadError":"Error al procesar el documento.","rwdocs.toastUploadCancelled":"Carga cancelada","rwdocs.toastSubmitFailed":"No se pudo enviar la solicitud. Int\xe9ntelo de nuevo.","rwdocs.issueTypeMismatch":"Esto parece ser un {detected} (confianza del {confidence}%), pero lo est\xe1 subiendo a {target}.","rwdocs.issueLastNameNotFound":'No se encontr\xf3 el apellido del prestatario "{lastName}" en el documento.',"rwdocs.issueDobMismatch":"Discrepancia de fecha de nacimiento: la solicitud indica {appDob}, esta identificaci\xf3n indica {idDob}.","rwdocs.issueIncomeMismatch":"Discrepancia de ingresos: el recibo de pago indica ~${detected}/mes, pero la solicitud indica ${reported}/mes.","fxhero.clickAnyStepBelow":"Haga clic en cualquier paso a continuaci\xf3n","fxhero.onTrack":"Todo va en buen camino.","fxcompliance.loading":"Verificando el estado de su solicitud…","fxcompliance.heading":"Estado de su solicitud","fxcompliance.footerNote":"\xbfTiene preguntas? Su corredor es el mejor contacto para detalles espec\xedficos de cumplimiento.","fxcompliance.label.hoepa":"Precio dentro de los l\xedmites federales","fxcompliance.label.state_high_cost":"Precio dentro de los l\xedmites estatales","fxcompliance.label.atr":"Toda la documentaci\xf3n verificada","fxcompliance.label.ofac":"Verificaci\xf3n de identidad completa","fxcompliance.detail.hoepa.PASS":"El precio de su pr\xe9stamo est\xe1 dentro de los l\xedmites federales de alto costo.","fxcompliance.detail.hoepa.ATTENTION":"Su corredor est\xe1 revisando la estructura de precios.","fxcompliance.detail.hoepa.FAIL":"Su corredor ajustar\xe1 el precio para cumplir con los l\xedmites federales.","fxcompliance.detail.hoepa.UNKNOWN":"Esto se verificar\xe1 cuando se fije el precio.","fxcompliance.detail.state_high_cost.PASS":"El precio de su pr\xe9stamo est\xe1 dentro de los l\xedmites estatales.","fxcompliance.detail.state_high_cost.ATTENTION":"Su pr\xe9stamo puede requerir divulgaciones adicionales espec\xedficas del estado — su corredor se encargar\xe1 de ellas.","fxcompl

1iance.detail.state_high_cost.FAIL":"Problema con el l\xedmite estatal — su corredor lo ajustar\xe1.","fxcompliance.detail.state_high_cost.UNKNOWN":"Esto se verificar\xe1 cuando se fije el precio.","fxcompliance.detail.atr.PASS":"Toda la documentaci\xf3n requerida de ingresos, empleo y activos est\xe1 en el archivo.","fxcompliance.detail.atr.ATTENTION":"A\xfan falta parte de la documentaci\xf3n — consulte su panel.","fxcompliance.detail.atr.FAIL":"A\xfan falta parte de la documentaci\xf3n — consulte su panel.","fxcompliance.detail.atr.UNKNOWN":"Esto se verificar\xe1 a medida que cargue los documentos.","fxcompliance.detail.ofac.PASS":"Verificaci\xf3n de identidad completa.","fxcompliance.detail.ofac.ATTENTION":"Su corredor est\xe1 revisando el resultado de la verificaci\xf3n.","fxcompliance.detail.ofac.FAIL":"Su corredor est\xe1 revisando el resultado de la verificaci\xf3n.","fxcompliance.detail.ofac.UNKNOWN":"La verificaci\xf3n de identidad se realizar\xe1 antes de la suscripci\xf3n.","fxvera.online":"EN L\xcdNEA","fxvera.text":"Mensaje de texto","fxvera.labelTextNumber":"N\xfamero de texto","fxvera.copyPhone":"Copiar tel\xe9fono","fxvera.copyPhoneNumber":"Copiar n\xfamero de tel\xe9fono","fxvera.copyTextNumber":"Copiar n\xfamero de texto","fxvera.copyEmail":"Copiar correo electr\xf3nico","fxvera.copyEmailAddress":"Copiar direcci\xf3n de correo electr\xf3nico","fxvera.newChat":"Nuevo chat","fxvera.recentChats":"Chats recientes","fxvera.noPastConversations":"A\xfan no hay conversaciones anteriores.","fxvera.untitledChat":"Chat sin t\xedtulo","fxvera.archiveConversation":"Archivar conversaci\xf3n","fxvera.archive":"Archivar","fxvera.showLess":"Mostrar menos","fxvera.viewMore":"Ver m\xe1s ({n})","fxvera.relJustNow":"justo ahora","fxvera.relMinutesAgo":"hace {n} min","fxvera.relHoursAgo":"hace {n} h","fxvera.relDaysAgo":"hace {n} d","fxvera.tryAsking":"Intenta preguntar","fxvera.suggestedNextSteps":"Pr\xf3ximos pasos sugeridos","fxvera.veraGenerating":"Breeze est\xe1 generando…","fxvera.listening":"Escuchando…","fxvera.askVeraAnything":"Preg\xfantale a Breeze lo que quieras…","fxvera.connectionError":"Error de conexi\xf3n — int\xe9ntalo de nuevo en un momento.","fxvera.borrowerFooterDefault":"Breeze explica c\xf3mo funcionan las cosas — su corredor sigue revisando todo.","fxvera.copied":"Copiado","fxvera.copiedBang":"\xa1Copiado!","fxvera.copyMessage":"Copiar mensaje","fxvera.copy":"Copiar","fxvera.regenerateResponse":"Regenerar respuesta","fxvera.regenerate":"Regenerar","fxvera.stopGenerating":"Detener generaci\xf3n","fxvera.stopGeneratingTitle":"Detener generaci\xf3n (se conserva la respuesta actual)","fxvera.stop":"Detener","fxvera.send":"Enviar","fxdocs.effortOnHand":"Normalmente a la mano","fxdocs.effortDownload":"Descargar en l\xednea","fxdocs.effortPhoto":"Tomar una foto","fxdocs.effortRequest":"Es posible que deba solicitarlo","fxdocs.chunkIdentityHeadline":"Demuestre qui\xe9n es usted","fxdocs.chunkIdentityBlurb":"Elementos r\xe1pidos de identidad y legales: por lo general, los m\xe1s f\xe1ciles de completar.","fxdocs.categoryIdentity":"Identidad y legal","fxdocs.chunkIncomeHeadline":"Muestre c\xf3mo gana dinero","fxdocs.chunkIncomeBlurb":"C\xf3mo entra el dinero: cheques de pago, formularios de impuestos y empleo.","fxdocs.categoryIncome":"Ingresos y empleo","fxdocs.chunkAssetsHeadline":"Muestre sus ahorros","fxdocs.chunkAssetsBlurb":"D\xf3nde se encuentran su pago inicial y sus reservas.","fxdocs.categoryAssets":"Activos","fxdocs.chunkPropertyHeadline":"Sobre la propiedad","fxdocs.chunkPropertyBlurb":"Documentos relacionados con la vivienda y este pr\xe9stamo en espec\xedfico.","fxdocs.categoryProperty":"Propiedad y pr\xe9stamo","fxdocs.chunkDisclosuresHeadline":"Divulgaciones y consentimientos","fxdocs.chunkDisclosuresBlurb":"Formularios para revisar y reconocer.","fxdocs.categoryDisclosures":"Divulgaciones","fxdocs.chunkOtherHeadline":"Algunos extras","fxdocs.chunkOtherBlurb":"Un pu\xf1ado de elementos espec\xedficos para su expediente.","fxdocs.categoryOther":"Otro","fxdocs.chunkProgress":"{done} de {total} completados","fxdocs.chunkAllSet":"Todo listo en esta \xe1rea: buen trabajo. ✓","fxdocs.required":"Obligatorio","fxdocs.optional":"Opcional","fxdocs.whereDoIGetThis":"\xbfD\xf3nde consigo esto?","fxdocs.whatIsThis":"\xbfQu\xe9 es esto?","fxdocs.whatIsThisPrompt":'Necesito subir "{name}" pero no estoy seguro de qu\xe9 es exactamente ni c\xf3mo obtenerlo. Expl\xedqueme qu\xe9 es este documento, por qu\xe9 se necesita para mi pr\xe9stamo y d\xf3nde lo encontrar\xeda o solicitar\xeda.',"fxdocs.askTheCoach":"Preg\xfantele al asesor","fxdocs.upload":"Subir","fxdocs.actionLeLabel":"Estimaci\xf3n de Pr\xe9stamo v{version}","fxdocs.actionLeDesc":"Revise la tasa, el pago mensual y los costos de cierre, luego exprese su intenci\xf3n de continuar.","fxdocs.actionCdLabel":"Divulgaci\xf3n de Cierre v{version}","fxdocs.actionCdDesc":"T\xe9rminos finales y efectivo para el cierre. La ley federal le otorga 3 d\xedas h\xe1biles para revisar antes de firmar.","fxdocs.actionNocLabel":"Aviso del Derecho a Cancelar v{version}","fxdocs.actionNocDesc":"Solo refinanciamiento. Le indica c\xf3mo cancelar dentro de los 3 d\xedas h\xe1biles posteriores al cierre.","fxdocs.actionEsignLabel":"Firma electr\xf3nica solicitada","fxdocs.actionEsignDesc":"Documento enviado el {date}. Abra el enlace de firma en el portal de divulgaciones o use el enlace de correo electr\xf3nico del proveedor.","fxstages.stage.application":"Solicitud","fxstages.stage.pricing":"Precios","fxstages.stage.processing":"Procesamiento","fxstages.stage.underwriting":"Suscripci\xf3n","fxstages.stage.conditions":"Condiciones","fxstages.stage.closing":"Cierre","fxstages.nav.previousStage":"Etapa anterior","fxstages.nav.nextStage":"Etapa siguiente","fxstages.nav.loanStages":"Etap

1as del pr\xe9stamo","fxstages.nav.ofTotal":"de {total}","fxstages.nav.stageLabel":"Etapa {n}: {name}","fxstages.nav.swipeOffTap":"Deslizar desactivado \xb7 toque para activar","fxstages.nav.swipeOnTap":"Deslizar activado \xb7 toque para desactivar","fxstages.nav.completeApp":"Complete su solicitud","fxstages.nav.completeAppUnlock":"Complete su solicitud para desbloquear las dem\xe1s etapas","fxstages.nav.unlockSwipeAria":"Desbloquear navegaci\xf3n por deslizamiento","fxstages.nav.lockSwipeAria":"Bloquear navegaci\xf3n por deslizamiento","fxstages.nav.lockedTitle":"Bloqueado — toque para desbloquear el deslizamiento","fxstages.nav.swipeActiveTitle":"Deslizamiento activo — toque para bloquear","fxstages.nav.locked":"Bloqueado","fxstages.nav.swipeActive":"Deslizamiento activo","fxstages.nav.showTutorial":"Mostrar tutorial de navegaci\xf3n","fxstages.nav.swipeLeft":"Deslizar a la izquierda","fxstages.nav.nextStep":"Siguiente paso","fxstages.nav.skipAhead":"Saltar adelante","fxstages.nav.swipeTo":"Deslizar a {stage}","fxstages.tutorial.title":"Deslice para navegar","fxstages.tutorial.intro":"Puede deslizar hacia la izquierda o la derecha para moverse entre etapas.","fxstages.tutorial.bodyDesktop":"Use el bot\xf3n de Bloquear/Desbloquear en la parte superior derecha para activar o desactivar el deslizamiento en cualquier momento.","fxstages.tutorial.bodyMobile":"Use el bot\xf3n de deslizamiento Bloquear/Desbloquear para activar o desactivar el deslizamiento en cualquier momento, o simplemente toque los botones Atr\xe1s y Siguiente.","fxstages.tutorial.gotIt":"\xa1Entendido!","fxstages.preview.bannerTitle":"Vista previa del portal del prestatario \xb7 {name}","fxstages.preview.veraPrompt":"Gu\xedeme por los pr\xf3ximos pasos de mi pr\xe9stamo y d\xedgame en qu\xe9 debo concentrarme.","fxstages.app.step":"Paso 1: Solicitud","fxstages.app.titleLine1Complete":"Solicitud","fxstages.app.titleLine1Fresh":"Inicie su","fxstages.app.titleLine1Partial":"Terminemos","fxstages.app.titleLine2Complete":"Enviada","fxstages.app.titleLine2Fresh":"Solicitud","fxstages.app.titleLine2Partial":"Su solicitud","fxstages.app.subtitleComplete":"Hemos recibido su solicitud y la estamos preparando para su procesamiento.","fxstages.app.subtitleFresh":"Le guiaremos a trav\xe9s del formulario hipotecario est\xe1ndar 1003. Toma unos 15 minutos.","fxstages.app.subtitlePartial":"Est\xe1 parcialmente completa. Solo faltan algunos detalles para desbloquear sus opciones de pr\xe9stamo.","fxstages.app.formStatus":"Estado del formulario","fxstages.app.documentSystem":"Sistema de documentos","fxstages.app.docSystemReady":"Listo y activo","fxstages.app.docSystemInit":"Inicializando...","fxstages.app.complete1003":"Completar 1003","fxstages.app.review1003":"Revisar 1003","fxstages.app.viewLiveRates":"Ver tasas en vivo","fxstages.app.actionRequired":"Acci\xf3n requerida","fxstages.app.actionRequiredMissing":"Acci\xf3n requerida: Informaci\xf3n faltante","fxstages.app.missingCountOne":"{n} elemento faltante antes del procesamiento.","fxstages.app.missingCountMany":"{n} elementos faltantes antes del procesamiento.","fxstages.app.countLeft":"{n} restantes","fxstages.app.fill":"Completar","fxstages.app.fillOutHere":"Complete aqu\xed","fxstages.app.liveRateOptions":"Opciones de tasas en vivo","fxstages.app.liveRateOptionsSub":"Seg\xfan su perfil crediticio y el monto del pr\xe9stamo","fxstages.app.product":"Producto","fxstages.app.maxLtv":"LTV m\xe1x.","fxstages.app.lockThisRate":"Fijar esta tasa","fxstages.app.rateSelectedTitle":"Tasa seleccionada","fxstages.app.rateSelectedMsg":"Tasa de {rate}% seleccionada. Su corredor la confirmar\xe1 y la fijar\xe1.","fxstages.app.saveErrorTitle":"Error al guardar","fxstages.app.saveErrorMsg":"No se pudo guardar la selecci\xf3n de tasa.","fxstages.pricing.step":"Paso 2: Precios","fxstages.pricing.talkTitle":"Hablemos de su tasa","fxstages.pricing.talkBody":"Su tasa depende de su panorama financiero completo y var\xeda con el mercado todos los d\xedas. Su oficial de pr\xe9stamos cotizar\xe1 su pr\xe9stamo con el prestamista y le explicar\xe1 sus opciones reales, y recibir\xe1 su tasa por escrito en su Loan Estimate.","fxstages.pricing.talkToLo":"Hable con su oficial de pr\xe9stamos","fxstages.pricing.liveRatesTitle":"Sus tasas en vivo","fxstages.pricing.liveRatesSub":"Precios en tiempo real de todos los prestamistas mayoristas con los que trabajamos, ya filtrados seg\xfan lo que realmente califica.","fxstages.pricing.openFullPage":"Abrir la p\xe1gina completa de precios","fxstages.pricing.noAccess":"No tiene acceso a este pr\xe9stamo.","fxstages.pricing.failedToLoad":"No se pudieron cargar los precios.","fxstages.pricing.loadingRates":"Obteniendo tasas en vivo de sus prestamistas…","fxstages.pricing.noAccessTitle":"No tiene acceso a este pr\xe9stamo","fxstages.pricing.didntLoadTitle":"Los precios no se cargaron","fxstages.pricing.missingCreditScore":"Puntaje de cr\xe9dito (su corredor lo verificar\xe1)","fxstages.pricing.missingLoanAmount":"Monto del pr\xe9stamo (Paso 6 de su solicitud)","fxstages.pricing.missingPropertyValue":"Valor de la propiedad (Paso 6 de su solicitud)","fxstages.pricing.missingOccupancy":"C\xf3mo se usar\xe1 la propiedad (Paso 6)","fxstages.pricing.missingLoanPurpose":"Compra o refinanciamiento (Paso 6)","fxstages.pricing.missingPropertyType":"Tipo de propiedad (Paso 6)","fxstages.pricing.missingTitle":"Primero, algunos detalles m\xe1s","fxstages.pricing.missingSub":"Una vez completados, le mostraremos sus tasas reales de calificaci\xf3n.","fxstages.pricing.noProductsTitle":"No hay productos elegibles en este momento","fxstages.pricing.noProductsBody":"Ning\xfan prestamista registrado tiene un producto que coincida con su escenario. Comun\xedquese con su corredor; puede revisar programas adicionales de prestamistas.","fxstages.pricing.rateCountOne":"{n} tasa en la red de prestamistas de su corredor","fxstages.pricing.rateCountMany":"{n} tasas en la red de prestamistas de su corredor","fxstages.pricing.perMonth":"{amount}/mes","fxstages.pricing.yourBestRate":"Su mejor tasa","fxstages.pricing.onProduct":"en un {product}","fxstages.pricing.lockNetwork":"Fijaci\xf3n de {days} d\xedas \xb7 obtenida en la red de prestamistas de su corredor","fxstages.pricing.monthlyPi":"P&I mensual","fxstages.pricing.discountPoints":"Puntos de descuento","fxstages.pricing.none":"Ninguno","fxstages.pricing.finalPrice":"Precio final","fxstages.processing.required":"Requerido","fxstages.processing.optional":"Opcional","fxstages.processing.aiPowered":"Procesamiento con tecnolog\xeda de IA","fxstages.processing.edit1003App":"Editar solicitud 1003","fxstages.processing.smartDocCenter":"Centro inteligente de documentos","fxstages.processing.dragDropSub":"Arrastre y suelte sus archivos en cualquier lugar. Nuestra IA los categoriza y ordena autom\xe1ticamente en las columnas correctas a continuaci\xf3n.","fxstages.processing.infoReceived":"Informaci\xf3n recibida","fxstages.processing.infoReceivedMsg":"Gracias por proporcionar los detalles del seguro. Nuestro equipo se comunicar\xe1 para solicitar los documentos exactos que necesitamos.","fxstages.processing.actionRequired":"Acci\xf3n requerida","fxstages.processing.homeownersInsurance":"Seguro de propietario de vivienda","fxstages.processing.asap":"Lo antes posible","fxstages.processing.insuranceIntro":"Comparta la informaci\xf3n de contacto de su agente de seguros; solicitaremos la p\xe1gina de declaraciones para que el cierre no se retrase.","fxstages.processing.insCompanyLabel":"Compa\xf1\xeda de seguros","fxstages.processing.insCompanyAria":"Compa\xf1\xeda de seguro de propietario de vivienda","fxstages.processing.insCompanyPlaceholder":"State Farm, Allstate, Lemonade…","fxstages.processing.agentNameLabel":"Nombre completo del agente","fxstages.processing.agentNamePlaceholder":"Jane Smith","fxstages.processing.agentEmailLabel":"Correo electr\xf3nico del agente","fxstages.processing.agentEmailPlaceholder":"[email protected]","fxstages.processing.agentPhoneLabel":"Tel\xe9fono del agente","fxstages.processing.policyNumberLabel":"N\xfamero de p\xf3liza","fxstages.processing.quoteNumberLabel":"N\xfamero de cotizaci\xf3n","fxstages.processing.policyNumberPlaceholder":"N.\xba de p\xf3liza","fxstages.processing.quoteNumberPlaceholder":"N.\xba de cotizaci\xf3n, si tiene uno","fxstages.processing.submitInsurance":"Enviar informaci\xf3n del seguro","fxstages.processing.expertEyebrow":"\xbfAtascado? Pregunte a una persona.","fxstages.processing.expertBody":"Su oficial de pr\xe9stamos o corredor con licencia puede resolver casi cualquier duda sobre documentos en un solo mensaje.","fxstages.processing.expertStat":"La rapidez de respuesta es el mayor indicador de un cierre puntual. Responda en un plazo de 4 horas y su pr\xe9stamo se 

1cerrar\xe1 ~9 d\xedas m\xe1s r\xe1pido en promedio.","fxstages.uw.step":"Paso 3: Suscripci\xf3n","fxstages.uw.titleAiLine1":"Evaluaci\xf3n de riesgo","fxstages.uw.titleAiLine2":"con IA","fxstages.uw.titleLenderLine1":"Suscripci\xf3n del","fxstages.uw.titleLenderLine2":"prestamista","fxstages.uw.lenderReviewsLead":"El equipo de suscripci\xf3n de su prestamista revisa su expediente una vez que se env\xeda.","fxstages.uw.lenderReviewsBody":"Cualquier condici\xf3n o hallazgo aparecer\xe1 aqu\xed y en su lista de Condiciones a medida que se reciba; por ahora no hay nada que deba hacer.","fxstages.uw.analyzing":"Analizando datos...","fxstages.uw.cleanFile":"Expediente limpio","fxstages.uw.cleanFileBody":"La IA no detect\xf3 factores de riesgo importantes.","fxstages.uw.categoryReview":"Revisi\xf3n de {category}","fxstages.uw.autoUwEstimate":"Suscripci\xf3n automatizada (estimaci\xf3n)","fxstages.uw.autoUwEstimateDesc":"Ejecute una estimaci\xf3n de elegibilidad simulada al estilo DU/LPA. Esto es una heur\xedstica de Fase 1, no un env\xedo en vivo a Fannie Mae o Freddie Mac.","fxstages.uw.runAusEstimate":"Ejecutar estimaci\xf3n de AUS (simulada)","fxstages.uw.ausFindings":"Hallazgos de AUS","fxstages.uw.ausDisclaimer":"Estimaci\xf3n simulada, no una decisi\xf3n real de Fannie Mae DU o Freddie Mac LPA. La elegibilidad final la determina el AUS del prestamista durante la suscripci\xf3n.","fxstages.closing.clearToClose":"Clear to Close","fxstages.closing.congratulations":"\xa1Felicidades! Su pr\xe9stamo est\xe1 totalmente aprobado.","fxstages.closing.finalSteps":"Pasos finales","fxstages.closing.finalVerification":"Verificaci\xf3n final completada","fxstages.closing.cdSent":"Closing Disclosure enviada","fxstages.closing.pendingSigning":"Pendiente: Cita de firma","fxstages.closing.downloadApproval":"Descargar aprobaci\xf3n","fxstages.closing.scheduleSigning":"Programar firma","fxstages.conditions.uploadRejected":"Carga rechazada","fxstages.conditions.unknownError":"error desconocido","gxvera.welcomeCampaigns":"Vamos a crear una campa\xf1a.","gxvera.tabVera":"Breeze","gxvera.tabYourBroker":"Su corredor","gxvera.tabAssistant":"Asistente","gxvera.tabCampaigns":"Campa\xf1as","gxdocreq.nameId":"Identificaci\xf3n con foto","gxdocreq.descId":"Licencia de conducir, identificaci\xf3n estatal o pasaporte v\xe1lidos","gxdocreq.nameSsCard":"Tarjeta de Seguro Social","gxdocreq.descSsCard":"Copia de la tarjeta de Seguro Social","gxdocreq.nameGreenCard":"Tarjeta de residencia (Green Card)","gxdocreq.descGreenCard":"Tarjeta de residente permanente (frente y reverso)","gxdocreq.nameVisa":"Visa / EAD","gxdocreq.descVisa":"Visa o Documento de Autorizaci\xf3n de Empleo (EAD) v\xe1lidos","gxdocreq.nameI94":"Registro I-94","gxdocreq.descI94":"Registro de entrada/salida I-94 m\xe1s reciente","gxdocreq.nameItin":"Carta de ITIN","gxdocreq.descItin":"Carta de asignaci\xf3n de ITIN del IRS","gxdocreq.namePayStub":"Talones de pago","gxdocreq.descPayStub":"Talones de pago de los \xfaltimos 30 d\xedas","gxdocreq.nameW2":"Formularios W-2","gxdocreq.descW2":"Declaraciones W-2 de los \xfaltimos 2 a\xf1os","gxdocreq.nameVoe":"Verificaci\xf3n de empleo","gxdocreq.descVoe":"Se solicitar\xe1 una VOE escrita o verbal","gxdocreq.nameOfferLetter":"Carta de oferta / Contrato","gxdocreq.descOfferLetter":"Carta de oferta firmada o contrato de empleo para el nuevo trabajo","gxdocreq.namePersonalTaxReturn":"Declaraciones de impuestos personales (1040)","gxdocreq.descPersonalTaxReturn":"Declaraciones de impuestos personales de los \xfaltimos 2 a\xf1os con todos los anexos","gxdocreq.nameBusinessLicense":"Licencia comercial","gxdocreq.descBusinessLicense":"Licencia o registro comercial vigente","gxdocreq.nameProfitAndLoss":"Estado de ganancias y p\xe9rdidas del a\xf1o en curso (YTD)","gxdocreq.descProfitAndLoss":"Estado de ganancias y p\xe9rdidas (P&L) del a\xf1o en curso firmado por el prestatario","gxdocreq.nameBalanceSheet":"Balance general","gxdocreq.descBalanceSheet":"Balance general actual","gxdocreq.nameBusinessTaxReturn":"Declaraciones de impuestos del negocio","gxdocreq.descBusinessTaxReturn":"Declaraciones del negocio de los \xfaltimos 2 a\xf1os (1120S, 1065) y los K-1","gxdocreq.nameK1":"Anexos K-1","gxdocreq.descK1":"K-1 de todas las entidades comerciales","gxdocreq.nameCorporateLlc":"Documentos corporativos/de LLC","gxdocreq.descCorporateLlc":"Acta constitutiva/de organizaci\xf3n, acuerdo operativo","gxdocreq.namePensionStatement":"Carta de concesi\xf3n de pensi\xf3n","gxdocreq.descPensionStatement":"Carta de concesi\xf3n o estado de cuenta de pensi\xf3n vigente","gxdocreq.nameForm1099R":"Formularios 1099-R","gxdocreq.descForm1099R":"Formularios 1099-R de los \xfaltimos 2 a\xf1os","gxdocreq.nameSsaAward":"Carta de concesi\xf3n del SSA","gxdocreq.descSsaAward":"Carta de concesi\xf3n del Seguro Social vigente","gxdocreq.nameDivorceDecreeOrder":"Sentencia de divorcio / Orden judicial","gxdocreq.descDivorceDecreeOrder":"Sentencia de divorcio u orden judicial completa que especifique los pagos","gxdocreq.nameProofOfReceipt":"Comprobante de recepci\xf3n","gxdocreq.descProofOfReceipt":"Comprobante de recepci\xf3n de los \xfaltimos 6 meses (estados de cuenta bancarios o cheques cancelados)","gxdocreq.nameLes":"LES (Estado de licencia y ganancias)","gxdocreq.descLes":"Estado de licencia y ganancias (LES) m\xe1s reciente","gxdocreq.nameScheduleE":"Anexo E (declaraciones de impuestos)","gxdocreq.descScheduleE":"Aseg\xfarese de incluir el Anexo E en las declaraciones de impuestos","gxdocreq.nameLeaseAgreement":"Contratos de arrend

1amiento vigentes","gxdocreq.descLeaseAgreement":"Contratos de arrendamiento vigentes de todas las propiedades en alquiler","gxdocreq.nameBankStatement":"Estados de cuenta bancarios","gxdocreq.descBankStatement":"Estados de cuenta completos de los \xfaltimos 2 meses de todas las cuentas (todas las p\xe1ginas)","gxdocreq.nameVod":"Verificaci\xf3n de dep\xf3sito","gxdocreq.descVod":"El prestamista podr\xeda solicitar una VOD","gxdocreq.nameAssetStatement":"Estados de cuenta de inversiones/jubilaci\xf3n","gxdocreq.descAssetStatement":"Estado de cuenta trimestral m\xe1s reciente","gxdocreq.nameRetirementWithdrawal":"T\xe9rminos de retiro de jubilaci\xf3n","gxdocreq.descRetirementWithdrawal":"T\xe9rminos de retiro o pr\xe9stamo de la cuenta de jubilaci\xf3n","gxdocreq.nameGiftLetter":"Carta de donaci\xf3n","gxdocreq.descGiftLetter":"Carta de donaci\xf3n firmada y comprobante de transferencia","gxdocreq.nameClosingDisclosureSale":"Closing Disclosure (venta)","gxdocreq.descClosingDisclosureSale":"Closing Disclosure o factura de venta del activo vendido","gxdocreq.nameCryptoStatement":"Estados de cuenta de criptomonedas","gxdocreq.descCryptoStatement":"Estados de cuenta que muestren la propiedad y la liquidaci\xf3n, si es necesario","gxdocreq.nameTrustAgreement":"Acuerdo de fideicomiso","gxdocreq.descTrustAgreement":"Acuerdo de fideicomiso completo y certificaci\xf3n del fideicomiso","gxdocreq.nameStockOption":"Acuerdo de opciones sobre acciones","gxdocreq.descStockOption":"Cronograma de adquisici\xf3n de derechos (vesting) y acuerdo de opciones","gxdocreq.nameMortgageStatement":"Estados de cuenta hipotecarios","gxdocreq.descMortgageStatement":"Estado de cuenta actual de todas las propiedades conservadas","gxdocreq.nameInsuranceDeclaration":"Declaraciones de seguro","gxdocreq.descInsuranceDeclaration":"P\xf3liza de seguro de propietario de vivienda de todas las propiedades conservadas","gxdocreq.namePropertyTaxBill":"Facturas de impuestos sobre la propiedad","gxdocreq.descPropertyTaxBill":"Factura de impuestos sobre la propiedad m\xe1s reciente de todas las propiedades conservadas","gxdocreq.nameSalesContract":"Contrato de venta (venta pendiente)","gxdocreq.descSalesContract":"Contrato de la propiedad cuya venta est\xe1 actualmente pendiente","gxdocreq.nameRentRoll":"Registro de alquileres (Rent Roll)","gxdocreq.descRentRoll":"Registro de alquileres de propiedades de inversi\xf3n de varias unidades","gxdocreq.namePurchaseContract":"Contrato de compra","gxdocreq.descPurchaseContract":"Acuerdo de compra plenamente ejecutado con todos los anexos","gxdocreq.nameEarnestMoney":"Comprobante del dep\xf3sito de garant\xeda (Earnest Money)","gxdocreq.descEarnestMoney":"Comprobante de que el dep\xf3sito de garant\xeda (earnest money) se acredit\xf3 en la cuenta","gxdocreq.nameInsuranceBinder":"Resumen de seguro de propietario de vivienda","gxdocreq.descInsuranceBinder":"Resumen de seguro (binder) de la nueva propiedad","gxdocreq.namePayoffStatement":"Estado de liquidaci\xf3n del pr\xe9stamo (Payoff)","gxdocreq.descPayoffStatement":"Estado de liquidaci\xf3n actual del pr\xe9stamo que se va a refinanciar","gxdocreq.nameMortgageNote":"Pagar\xe9 hipotecario actual","gxdocreq.descMortgageNote":"Copia del pagar\xe9 hipotecario actual","gxdocreq.nameHomeInsuranceDeclaration":"Declaraci\xf3n de seguro de vivienda","gxdocreq.descHomeInsuranceDeclaration":"P\xf3liza de seguro actual de la propiedad en cuesti\xf3n","gxdocreq.nameLoanEstimate":"Estimaci\xf3n del pr\xe9stamo (Loan Estimate)","gxdocreq.descLoanEstimate":"Estimaci\xf3n del pr\xe9stamo (Loan Estimate) del nuevo pr\xe9stamo","gxdocreq.nameBuilderContract":"Contrato / planos del constructor","gxdocreq.descBuilderContract":"Contrato de construcci\xf3n y planos","gxdocreq.nameCondoQuestionnaire":"Cuestionario de condominio","gxdocreq.descCondoQuestionnaire":"Cuestionario de condominio completado","gxdocreq.nameHo6Insurance":"P\xf3liza de seguro HO-6","gxdocreq.descHo6Insurance":"P\xf3liza de cobertura interior (walls-in)","gxdocreq.nameBankruptcyDischarge":"Documentos de liberaci\xf3n de bancarrota","gxdocreq.descBankruptcyDischarge":"Documentos completos de liberaci\xf3n de bancarrota y el anexo","gxdocreq.nameLoeBankruptcy":"LOE - Bancarrota","gxdocreq.descLoeBankruptcy":"Carta que explique las circunstancias de la bancarrota","gxdocreq.nameJudgmentExplanation":"Comprobante de acuerdo / explicaci\xf3n","gxdocreq.descJudgmentExplanation":"Comprobante de cumplimiento o explicaci\xf3n de la demanda/sentencia","gxdocreq.nameLoeFederalDebt":"LOE - Deuda federal","gxdocreq.descLoeFederalDebt":"Explicaci\xf3n sobre la deuda federal en mora","gxdocreq.nameSeparationAgreement":"Acuerdo de separaci\xf3n","gxdocreq.descSeparationAgreement":"Acuerdo de separaci\xf3n legal","gxdocreq.nameChildSupportOrder":"Orden de manutenci\xf3n infantil / pensi\xf3n alimenticia","gxdocreq.descChildSupportOrder":"Orden judicial que detalle la obligaci\xf3n","gxdocreq.nameDivorceDecree":"Sentencia de divorcio","gxdocreq.descDivorceDecree":"Sentencia de divorcio que haga referencia a la obligaci\xf3n","gxdocreq.nameDd214":"DD-214","gxdocreq.descDd214":"Certificado de baja o licenciamiento del servicio activo","gxdocreq.nameVaCoe":"Certificado de elegibilidad de VA","gxdocreq.descVaCoe":"Certificado de elegibilidad para el pr\xe9stamo VA","gxdocreq.nameStatementOfService":"Declaraci\xf3n de servicio (Statement of Service)","gxdocreq.descStatementOfService":"Declaraci\xf3n de servicio emitida por el oficial al mando","gxdocreq.nameFhaAmendatory":"Cl\xe1usula enmendatoria de FHA","gxdocreq.descFhaAmendatory":"Cl\xe1usula enmendatoria de FHA firmada","gxdocreq.nameRealEstateCert":"Certificaci\xf3n de bienes ra\xedces","gxdocreq.descRealEstateCert":"Certificaci\xf3n de bienes ra\xedces firmada","gxdocreq.nameVaAnalysis":"An\xe1lisis del pr\xe9stamo VA","gxdocreq.descVaAnalysis":"Hoja de trabajo de an\xe1lisis del pr\xe9stamo VA","gxdocreq.nameResidualIncome":"Hoja de trabajo de ingreso residual","gxdocreq.descResidualIncome":"Hoja de trabajo de ingreso residual de VA","gxdocreq.nameUsdaIncome":"Hoja de trabajo de ingresos de USDA","gxdocreq.descUsdaIncome":"Hoja de trabajo de ingresos de elegibilidad de USDA","gxdocreq.categoryIdentity":"Identidad y aspectos legales","gxdocreq.categoryIncome":"Ingresos y empleo","gxdocreq.categoryAssets":"Activos","gxdocreq.categoryProperty":"Propiedad y pr\xe9stamo","gxdocreq.categoryDisclosures":"Divulgaciones","gxdocreq.categoryOther":"Otros","gxdocreq.countOfTotal":"{completed} de {total}","gxdocreq.statusVerified":"Verificado","gxdocreq.statusInReview":"En revisi\xf3n","gxdocreq.statusRequired":"Requerido","gxdocreq.removeFile":"Eliminar archivo","gxdocreq.scanning":"Escaneando…","gxdocreq.saved":"Guardado","gxdocreq.awaitingVerification":"En espera de verificaci\xf3n","gxdocreq.dragDropOrClick":"Arrastre, suelte o haga clic","gxdocreq.replace":"Reemplazar","gxdocreq.upload":"Subir","gxvalidate.title.ethnicity":"Origen \xe9tnico requerido","gxvalidate.msg.ethnicity":'Debe seleccionar un origen \xe9tnico o "No deseo proporcionarlo".',"gxvalidate.title.sex":"Sexo requerido","gxvalidate.msg.sex":'Debe seleccionar un sexo o "No deseo proporcionarlo".',"gxvalidate.title.race":"Raza requerida","gxvalidate.msg.race":'Debe seleccionar al menos una raza o "No deseo proporcionarlo".',"gxvalidate.title.declarations":"Declaraciones incompletas","gxvalidate.msg.declarations":"Debe responder todas las preguntas de declaraci\xf3n. Sin responder: {count}.","gxvalidate.title.consent":"Consentimiento requerido","gxvalidate.msg.consent":"Debe aceptar: {items}.","gxvalidate.consentItem.terms":"T\xe9rminos del servicio","gxvalidate.consentItem.esign":"Consentimiento E-Sign","gxvalidate.consentItem.creditAuth":"Autorizaci\xf3n de cr\xe9dito","gxfiledrop.readingDocument":"Leyendo su documento","gxfiledrop.classifyingSubtitle":"Clasificando el tipo, extrayendo los datos y orden\xe1ndolos en la columna correcta.","gxfiledrop.step.Scan":"Escanear","gxfiledrop.step.Classify":"Clasificar","gxfiledrop.step.Extract":"Extraer","gxfiledrop.step.Route":"Enrutar","gxfiledrop.gotIt":"Entendido","gxfiledrop.gotNFiles":"Se recibieron {count} archivos","gxfiledrop.autoSortedCount":"{sorted} de {total} se ordenaron autom\xe1ticamente en la columna correcta.","gxfiledrop.statusSorted":"Ordenado","gxfiledrop.statusIdentified":"Identificado","gxfiledrop.statusNeedsReview":"Requiere revisi\xf3n","gxfiledrop.savedToPrefix":"Guardado en ","gxfiledrop.savedToSuffix":".","gxfiledrop.looksLikePrefix":"Parece un ","gxfiledrop.looksLikeSuffix":". Necesitaremos que lo coloque en la casilla correcta.","gxfiledrop.unrecognized":"No pudimos identificar qu\xe9 es esto. Arr\xe1strelo a una casilla espec\xedfica a continuaci\xf3n.","gxfiledrop.aiConfidenceLabel":"Confianza de la IA:","gxfiledrop.imageClarityLabel":"Claridad de la imagen:","gxfiledrop.discrepancyHeading":"Discrepancia de {category}","gxfiledrop.category.INCOME":"Ingresos","gxfiledrop.category.IDENTITY":"Identidad","gxfiledrop.category.ASSETS":"Activos","gxfiledrop.category.PROPERTY":"Propiedad","gxfiledrop.category.FRAUD":"Fraude","gxfiledrop.makeAChange":"Hacer un cambio","gxfiledrop.processing":"Procesando...","gxfiledrop.autoCorrect":"Correcci\xf3n autom\xe1tica","gxfiledrop.selectMoreFiles":"Seleccionar m\xe1s archivos","gxfiledrop.uploadDocuments":"Subir documentos","gxfiledrop.dragDropPrefix":"Arrastre y suelte ","gxfiledrop.dragDropPdfs":"PDFs","gxfiledrop.dragDropMid":" o ","gxfiledrop.dragDropImages":"im\xe1genes","gxfiledrop.dragDropSuffix":" en cualquier lugar, o haga clic para explorar.","gxfiledrop.aiAutoClassifies":"La IA clasifica autom\xe1ticamente y ordena cada archivo en la columna correcta.","gxfiledrop.chip.Paystubs":"Recibos de pago","gxfiledrop.chip.W-2s":"W-2","gxfiledrop.chip.Bank Statements":"Estados de cuenta bancarios","gxfiledrop.chip.IDs":"Identificaciones","gxfiledrop.chip.Tax Returns":"Declaraciones de impuestos","gxfiledrop.toastFilesEmpty":"{count} archivos parec\xedan estar vac\xedos: vuelva a exportarlos e int\xe9ntelo de nuevo.","gxfiledrop.toastActionableItems":"El procesador de IA encontr\xf3 {count} elemento(s) accionable(s) en {file}.","gxfiledrop.toastAutoClearedOne":"1 elemento de acci\xf3n se resolvi\xf3 autom\xe1ticamente: {titles}","gxfiledrop.toastAutoClearedMany":"{count} elementos de acci\xf3n se resolvieron autom\xe1ticamente: {titles}","gxfiledrop.toastAutoClearedMore":" (+{count} m\xe1s)","gxfiledrop.toast1003Updated":"La solicitud 1003 se actualiz\xf3 correctamente.","gxfiledrop.toastLoeSent":"La solicitud de LOE se envi\xf3 al portal del prestatario.","gxfiledrop.toastAppraisalCreated":"Se cre\xf3 la tarea de tasaci\xf3n.","gxfiledrop.toastActionFailed":"No se pudo ejecutar la acci\xf3n.","gxfiledrop.toast1003FromDoc":"El 1003 se actualiz\xf3 a partir del documento.","r4stage.application.label":"Solicitud","r4stage.application.headline":"Complet\xf3 el formulario 1003: el pr\xe9stamo comenz\xf3 oficialmente.","r4stage.application.whatHappens":"Su oficial de pr\xe9stamos toma los datos de la solicitud y realiza las verificaciones iniciales: verificaci\xf3n de identidad (Socure / OFAC), autorizaci\xf3n para extraer el cr\xe9dito y un c\xe1lculo aproximado de calificaci\xf3n para definir los par\xe1metros del pr\xe9stamo. Todav\xeda n

1o hay nada bloqueado.","r4stage.application.typicalDuration":"Generalmente el mismo d\xeda: el br\xf3ker revisa dentro de unas horas tras la presentaci\xf3n.","r4stage.application.prepare.0":"Tenga a la mano sus \xfaltimos 2 a\xf1os de formularios W-2 y recibos de pago; la mayor\xeda de los prestamistas los piden en la siguiente etapa.","r4stage.application.prepare.1":"Si trabaja por cuenta propia, re\xfana 2 a\xf1os de declaraciones de impuestos personales y comerciales m\xe1s el Schedule C / K-1.","r4stage.application.prepare.2":"Re\xfana los estados de cuenta de los \xfaltimos 60 d\xedas de cada cuenta bancaria, de inversi\xf3n y de jubilaci\xf3n.","r4stage.application.prepare.3":"Identificaci\xf3n oficial con foto: licencia de conducir o pasaporte.","r4stage.application.gotchas.0":"Direcciones que no coinciden entre los estados de cuenta bancarios y su formulario 1003: las compa\xf1\xedas de t\xedtulo las marcar\xe1n.","r4stage.application.gotchas.1":'Montos grandes depositados recientemente que no sean dep\xf3sito directo: los suscriptores necesitar\xe1n una carta de "origen".',"r4stage.application.gotchas.2":"Cambios de empleo en los \xfaltimos 2 a\xf1os: traiga las cartas de oferta / formularios W-2 del empleador anterior.","r4stage.priced.label":"Tasa establecida","r4stage.priced.headline":"Su tasa y programa est\xe1n seleccionados (y posiblemente bloqueados).","r4stage.priced.whatHappens":"Su br\xf3ker analiza escenarios en su red de prestamistas y elige la mejor combinaci\xf3n de tasa, puntos y prestamista para su expediente. Si el mercado se est\xe1 moviendo, comentar\xe1n cu\xe1ndo bloquear la tasa; una vez bloqueada, la tasa se mantiene normalmente por 30 / 45 / 60 d\xedas.","r4stage.priced.typicalDuration":"Decisi\xf3n de bloqueo: 1-3 d\xedas desde la solicitud. El bloqueo en s\xed puede tener vigencia de 30 a 60 d\xedas.","r4stage.priced.prepare.0":"Conozca su cronograma: los per\xedodos de bloqueo cuestan dinero cuanto m\xe1s se extienden, as\xed que un bloqueo de 60 d\xedas cuesta m\xe1s que uno de 30.","r4stage.priced.prepare.1":"Decida si desea pagar puntos para reducir la tasa. Use la calculadora de reducci\xf3n de tasa en el portal del prestatario.","r4stage.priced.prepare.2":'Si a\xfan no est\xe1 listo para bloquear, pregunte a su br\xf3ker sobre la opci\xf3n de "float-down": paga una peque\xf1a tarifa para volver a bloquear a una tasa m\xe1s baja si el mercado cae.',"r4stage.priced.gotchas.0":"Fechas l\xedmite de vencimiento del bloqueo: si su pr\xe9stamo no cumple con la ventana de bloqueo, se vuelve a fijar el precio seg\xfan el mercado actual, que puede ser peor.","r4stage.priced.gotchas.1":"Las hojas de tasas cambian a diario (a veces durante el mismo d\xeda). La tasa que escucha el lunes puede no existir el martes por la ma\xf1ana.","r4stage.priced.gotchas.2":"Cambiar de prestamista despu\xe9s del bloqueo generalmente requiere romper el bloqueo y volver a bloquear con un nuevo prestamista, lo que suele tener una tarifa.","r4stage.leIssued.label":"LE emitida","r4stage.leIssued.headline":"Se ha entregado su Estimaci\xf3n de Pr\xe9stamo (Loan Estimate) federal (plazo regulado de 3 d\xedas).","r4stage.leIssued.whatHappens":'La ley federal (TRID) exige que el prestamista emita una Estimaci\xf3n de Pr\xe9stamo dentro de los 3 d\xedas h\xe1biles posteriores a una "solicitud completa". La LE muestra su tasa, el pago mensual, todos los costos de cierre y el efectivo para el cierre. Tiene la oportunidad de comparar con otros prestamistas si est\xe1 cotizando.',"r4stage.leIssued.typicalDuration":"Se emite dentro de los 3 d\xedas h\xe1biles posteriores a la solicitud. El prestatario tiene 10 d\xedas h\xe1biles para responder / cotizar.","r4stage.leIssued.prepare.0":"Lea la LE con atenci\xf3n: la p\xe1gina 1 tiene los t\xe9rminos del pr\xe9stamo; la p\xe1gina 2 es el detalle de los costos de cierre.","r4stage.leIssued.prepare.1":"Comp\xe1rela con cualquier LE de otros prestamistas. El formato exigido federalmente las hace comparables directamente.","r4stage.leIssued.prepare.2":"Guarde la LE: m\xe1s adelante recibir\xe1 una Divulgaci\xf3n de Cierre (Closing Disclosure) que debe coincidir con ella dentro de los m\xe1rgenes de tolerancia.","r4stage.leIssued.gotchas.0":"Algunos costos de cierre (las tarifas del prestamista) son de tolerancia cero: no pueden aumentar entre la LE y la CD.","r4stage.leIssued.gotchas.1":"Otros costos (registro, t\xedtulo) tienen m\xe1rgenes de tolerancia del 10%.","r4stage.leIssued.gotchas.2":'Un evento de "tercera divulgaci\xf3n" (cambio de tasa > 0.125%, cambio de programa de pr\xe9stamo) reinicia el plazo de 3 d\xedas h\xe1biles.',"r4stage.ausRun.label":"AUS","r4stage.ausRun.headline":"Se ejecut\xf3 la suscripci\xf3n automatizada (DU o LP): ese es el pase de entrada del prestamista.","r4stage.ausRun.whatHappens":'Su expediente se procesa a trav\xe9s del Desktop Underwriter (DU) de Fannie Mae o del Loan Prospector (LP) de Freddie Mac. El sistema devuelve un informe de "hallazgos": APPROVE / ELIGIBLE / REFER / REFER WITH CAUTION, m\xe1s una lista de condiciones que deber\xe1 cumplir.',"r4stage.ausRun.typicalDuration":"La ejecuci\xf3n del AUS en s\xed: minutos. Despejar las condiciones resultantes: 1-3 semanas seg\xfan la disponibilidad de los documentos.","r4stage.ausRun.prepare.0":"Lea los hallazgos si su br\xf3ker los comparte: la lista de condiciones es la hoja de ruta hacia el cierre.","r4stage.ausRun.prepare.1":"La mayor\xeda de las condiciones son documentos que puede cargar ahora mismo (recibos de pago, estados de cuenta, identificaci\xf3n).","r4stage.ausRun.prepare.2":"Algunas condiciones son explicaciones: una Carta de Explicaci\xf3n por un pago atrasad

1o, un dep\xf3sito grande, etc. El portal tiene un redactor asistido por Breeze que le ayuda a escribirlas.","r4stage.ausRun.gotchas.0":'"Refer" no significa rechazado: significa revisi\xf3n manual por un suscriptor. Es com\xfan con ingresos no tradicionales.',"r4stage.ausRun.gotchas.1":"El AUS puede volver a ejecutarse a medida que despeja condiciones: a veces la segunda ejecuci\xf3n mejora de REFER a APPROVE.","r4stage.ausRun.gotchas.2":"La elegibilidad de Fannie o Freddie puede cambiar a mitad del proceso si cambian las tasas o el precio. Su br\xf3ker est\xe1 atento a esto.","r4stage.submitted.label":"Enviado","r4stage.submitted.headline":"Su expediente completo est\xe1 con el prestamista para la suscripci\xf3n humana.","r4stage.submitted.whatHappens":'Su br\xf3ker agrupa la solicitud, todos los documentos, los hallazgos del AUS y las cartas de explicaci\xf3n (LOE) de respaldo en un "paquete de presentaci\xf3n" y lo env\xeda al departamento de suscripci\xf3n del prestamista. Un suscriptor real lo revisa l\xednea por l\xednea. Puede recibir una aprobaci\xf3n condicional (lo m\xe1s com\xfan): elementos adicionales por despejar antes del cierre.',"r4stage.submitted.typicalDuration":"La decisi\xf3n inicial suele tomar de 3 a 7 d\xedas h\xe1biles. La aprobaci\xf3n condicional es com\xfan; despejar esas condiciones toma otras 1-2 semanas.","r4stage.submitted.prepare.0":"Est\xe9 disponible: el suscriptor puede tener preguntas de seguimiento que necesitan respuestas r\xe1pidas (dentro de 24-48 horas).","r4stage.submitted.prepare.1":"No haga compras grandes ni abra nuevas l\xedneas de cr\xe9dito. Los suscriptores vuelven a extraer el cr\xe9dito antes del cierre, y un nuevo pr\xe9stamo de auto puede disparar su DTI.","r4stage.submitted.prepare.2":"No cambie de trabajo ni de fuente de ingresos si puede evitarlo.","r4stage.submitted.gotchas.0":"Los tiempos de respuesta de la suscripci\xf3n var\xedan enormemente seg\xfan el prestamista: algunos son de 24 horas, otros de 7 a 10 d\xedas h\xe1biles.","r4stage.submitted.gotchas.1":"Los prestamistas a veces vuelven a verificar el empleo (VOE) dentro de los 10 d\xedas previos al cierre: si ha presentado su renuncia, lo detectar\xe1n.","r4stage.submitted.gotchas.2":"Las discrepancias en las declaraciones de impuestos (ingresos en las declaraciones frente a los recibos de pago) a menudo surgen aqu\xed. Est\xe9 preparado para explicarlas.","r4stage.cdIssued.label":"CD emitida","r4stage.cdIssued.headline":"Divulgaci\xf3n de Cierre (Closing Disclosure) entregada: el documento de cifras finales exigido por la ley federal.","r4stage.cdIssued.whatHappens":"La ley federal (TRID) exige que reciba la CD al menos 3 d\xedas h\xe1biles antes del cierre. La CD es la versi\xf3n final de la LE, con cifras fijadas. La compara con la LE: cualquier cosa fuera de los m\xe1rgenes de tolerancia requiere una correcci\xf3n o una nueva divulgaci\xf3n.","r4stage.cdIssued.typicalDuration":"La CD se emite al menos 3 d\xedas h\xe1biles antes del cierre. La mayor\xeda de los prestatarios la ven entre 5 y 7 d\xedas antes.","r4stage.cdIssued.prepare.0":"Compare la CD lado a lado con la LE. La p\xe1gina 2 es el detalle de los costos de cierre.","r4stage.cdIssued.prepare.1":"Verifique el efectivo para el cierre en la p\xe1gina 1: ese es el monto exacto que necesitar\xe1 transferir el d\xeda del cierre.","r4stage.cdIssued.prepare.2":"No haga NING\xdaN cambio en sus finanzas durante el per\xedodo de reflexi\xf3n de 3 d\xedas: desencadenan una nueva divulgaci\xf3n y reinician el plazo de 3 d\xedas.","r4stage.cdIssued.gotchas.0":"Los cambios sustanciales (programa de pr\xe9stamo, aumento del APR > 0.125%) reinician el plazo de 3 d\xedas. Empuja la fecha de cierre.","r4stage.cdIssued.gotchas.1":"Los cambios peque\xf1os (correcci\xf3n de un error tipogr\xe1fico, ajuste menor de tarifas) no reinician el plazo, pero los grandes s\xed.","r4stage.cdIssued.gotchas.2":"El efectivo para el cierre en la CD es exacto. Transfiera esa cantidad exacta en d\xf3lares; no la redondee.","r4stage.signed.label":"Firmado","r4stage.signed.headline":"Firm\xf3 el paquete de cierre: el Pagar\xe9 (Note), la Escritura de Fideicomiso (Deed of Trust) y el acuse de recibo de la CD.","r4stage.signed.whatHappens":"D\xeda del cierre. Firma de 60 a 100 p\xe1ginas de documentos: el Pagar\xe9 (su promesa de pagar), la Escritura de Fideicomiso (el gravamen sobre la vivienda), el acuse de recibo de la CD y diversas divulgaciones. Puede ser en persona en una compa\xf1\xeda de t\xedtulo o de forma remota (RON: notarizaci\xf3n remota en l\xednea). En los pr\xe9stamos de compra, el vendedor firma al mismo tiempo.","r4stage.signed.typicalDuration":"Cita de firma: 60-90 minutos. De la firma al desembolso puede ser el mismo d\xeda o hasta unos pocos d\xedas en los refinanciamientos.","r4stage.signed.prepare.0":"Lleve su identificaci\xf3n oficial con foto. Cada coprestatario necesita la suya.","r4stage.signed.prepare.1":"Transfiera su efectivo para el cierre (o lleve un cheque de caja): las compa\xf1\xedas de t\xedtulo normalmente no aceptan cheques personales.","r4stage.signed.prepare.2":"Reserve de 60 a 90 minutos para la cita. Lea lo que est\xe1 firmando: tiene derecho a hacerlo.","r4stage.signed.gotchas.0":"FRAUDE POR TRANSFERENCIA: Verifique siempre las instrucciones de transferencia verbalmente, por tel\xe9fono, con un n\xfamero que haya buscado de forma independiente. Las instrucciones de transferencia enviadas por correo electr\xf3nico se falsifican habitualmente.","r4stage.signed.gotchas.1":"En los refinanciamientos, la ley federal le otorga un derecho de rescisi\xf3n de 3 d\xedas: puede cancelar y deshacer la operaci\xf3n dentro de los 3 d\xedas h\xe1biles posteriores a la firma.","r4stage.signed.gotchas.2":"En las compras, normalmente NO estar\xe1 en la vivienda hasta que el desembolso se complete (la siguiente etapa), incluso despu\xe9s de firmar.","r4stage.funded.label":"Desembolsado","r4stage.funded.headline":"Pr\xe9stamo desembolsado: la vivienda es oficialmente suya / el refinanciamiento est\xe1 completo.","r4stage.funded.whatHappens":"El prestamista transfiere los fondos del pr\xe9stamo a la compa\xf1\xeda de t\xedtulo, que los de

1sembolsa al vendedor (compra) o liquida la hipoteca anterior (refinanciamiento). Una vez confirmada la recepci\xf3n de los fondos, la compa\xf1\xeda de t\xedtulo registra la nueva escritura y la hipoteca ante el condado. Usted recibe las llaves (compra) o se cancela el pr\xe9stamo anterior (refinanciamiento).","r4stage.funded.typicalDuration":"Para compras: el mismo d\xeda o el d\xeda siguiente a la firma. Para refinanciamientos: por lo general se desembolsan 3 d\xedas h\xe1biles despu\xe9s de la firma (ventana del derecho de rescisi\xf3n).","r4stage.funded.prepare.0":"Guarde su paquete de cierre: conserve copias digitales y f\xedsicas. Lo necesitar\xe1 para los impuestos (deducibilidad de los costos de cierre) y para cualquier refinanciamiento futuro.","r4stage.funded.prepare.1":"Configure su primer pago hipotecario: por lo general vence de 30 a 45 d\xedas despu\xe9s del cierre. La mayor\xeda de los prestamistas hacen d\xe9bito autom\xe1tico si configura el ACH; de lo contrario, recibir\xe1 una chequera de cupones.","r4stage.funded.prepare.2":"Actualice su seguro de propietario de vivienda y los servicios p\xfablicos a la nueva propiedad.","r4stage.funded.gotchas.0":"Revise los documentos registrados en la oficina del registrador del condado unos d\xedas despu\xe9s del cierre: confirme que la escritura est\xe1 a su nombre y que la hipoteca est\xe1 registrada a su cargo.","r4stage.funded.gotchas.1":'Recibir\xe1 un formulario "1098 de intereses hipotecarios" del prestamista a fin de a\xf1o; cons\xe9rvelo para su declaraci\xf3n de impuestos.',"r4stage.funded.gotchas.2":'Las transferencias de administraci\xf3n (servicing) ocurren: el prestamista que desembols\xf3 su pr\xe9stamo a menudo NO es a quien le enviar\xe1 los pagos. Est\xe9 atento a la "carta de despedida / carta de bienvenida" en el correo.',"r4insights.payStubExpired.title":"El recibo de pago tiene m\xe1s de 30 d\xedas de antig\xfcedad","r4insights.payStubExpired.explanation":"Su recibo de pago m\xe1s reciente tiene una fecha demasiado antigua para nuestros registros. Los prestamistas necesitan ver un recibo de pago de los \xfaltimos 30 d\xedas antes del cierre.","r4insights.payStubExpired.nextStep":"Env\xedenos su recibo de pago m\xe1s reciente.","r4insights.payStubExpired.uploadLabel":"Subir recibo de pago","r4insights.overtimeDetected.title":"Se detect\xf3 pago de horas extra en su recibo de pago","r4insights.overtimeDetected.explanation":"Parte de su pago corresponde a horas extra. Por lo general, podemos contar las horas extra para lo que usted califica si han sido constantes durante 2 a\xf1os o m\xe1s.","r4insights.overtimeDetected.nextStep":"Est\xe9 listo para compartir 24 meses de historial de pagos si su oficial de pr\xe9stamos se lo solicita.","r4insights.commissionBonus.title":"Pago de comisi\xf3n o bonificaci\xf3n en su recibo de pago","r4insights.commissionBonus.explanation":"Los ingresos variables (comisi\xf3n/bonificaci\xf3n) cuentan para lo que usted califica, pero los prestamistas analizan un promedio de 2 a\xf1os para asegurarse de que sean constantes.","r4insights.commissionBonus.nextStep":"Tenga listo el W-2 del a\xf1o pasado y sus \xfaltimos 2 recibos de pago.","r4insights.selfEmploymentNoted.title":"Se registraron ingresos por trabajo independiente","r4insights.selfEmploymentNoted.explanation":"Los ingresos por trabajo independiente requieren algunos documentos adicionales para su verificaci\xf3n. Los prestamistas necesitan ver sus declaraciones de impuestos y registros del negocio para poder contabilizarlos.","r4insights.selfEmploymentNoted.nextStep":"Re\xfana 2 a\xf1os de declaraciones de impuestos personales y del negocio, y una licencia comercial.","r4insights.scheduleCNetLoss.title":"La declaraci\xf3n de impuestos muestra una p\xe9rdida del negocio","r4insights.scheduleCNetLoss.explanation":"Su declaraci\xf3n de impuestos m\xe1s reciente reporta una p\xe9rdida por trabajo independiente. Esto puede reducir la cantidad de ingresos que cuenta para su pr\xe9stamo.","r4insights.scheduleCNetLoss.nextStep":"Converse sobre esto con su oficial de pr\xe9stamos: puede mostrarle qu\xe9 a\xf1os cuentan.","r4insights.scheduleCConfirmed.title":"Ingresos por trabajo independiente confirmados","r4insights.scheduleCConfirmed.explanation":"Su declaraci\xf3n de impuestos muestra ingresos constantes por trabajo independiente. Promediaremos estos ingresos con los del a\xf1o anterior para determinar su monto de calificaci\xf3n.","r4insights.appraisalBelowContract.t

1itle":"La tasaci\xf3n result\xf3 m\xe1s baja que el precio del contrato","r4insights.appraisalBelowContract.explanation":"El tasador valor\xf3 la vivienda en menos de lo que usted acord\xf3 pagar. Deber\xe1 aportar dinero adicional en el cierre, renegociar el precio o solicitar una segunda revisi\xf3n de la tasaci\xf3n.","r4insights.appraisalBelowContract.nextStep":"Hable con su agente y su oficial de pr\xe9stamos para decidir cu\xe1l opci\xf3n es la mejor.","r4insights.appraisalMeetsContract.title":"La tasaci\xf3n se ve bien","r4insights.appraisalMeetsContract.explanation":"El valor de tasaci\xf3n iguala o supera el precio del contrato. Su pr\xe9stamo puede continuar sin tr\xe1mites por falta de valor.","r4insights.decliningMarket.title":"El vecindario est\xe1 en un mercado d\xe9bil","r4insights.decliningMarket.explanation":"El tasador marc\xf3 el vecindario como en declive. Algunos prestamistas piden un pago inicial un poco mayor para compensar el riesgo.","r4insights.decliningMarket.nextStep":"Su oficial de pr\xe9stamos le avisar\xe1 si cambian las condiciones de su pr\xe9stamo.","r4insights.poorConditionC5.title":"La propiedad necesita reparaciones antes del cierre","r4insights.poorConditionC5.explanation":"La tasaci\xf3n muestra que la vivienda necesita reparaciones importantes antes de que los prestamistas financien el pr\xe9stamo. La mayor\xeda de los programas de pr\xe9stamo requieren que la vivienda est\xe9 en condiciones habitables al momento del cierre.","r4insights.poorConditionC5.nextStep":"Coordine con su agente qu\xe9 reparaciones realizar\xe1 el vendedor (o cu\xe1les asumir\xe1 usted tras una reducci\xf3n de precio).","r4insights.poorConditionC6.title":"La propiedad necesita reparaciones mayores antes del cierre","r4insights.poorConditionC6.explanation":"La tasaci\xf3n muestra que la vivienda necesita reparaciones sustanciales antes de que los prestamistas financien el pr\xe9stamo. La mayor\xeda de los programas de pr\xe9stamo requieren que la vivienda est\xe9 en condiciones habitables al momento del cierre.","r4insights.poorConditionC6.nextStep":"Coordine con su agente qu\xe9 reparaciones realizar\xe1 el vendedor (o cu\xe1les asumir\xe1 usted tras una reducci\xf3n de precio).","r4insights.insuranceExpired.title":"El seguro de propietario de vivienda est\xe1 vencido","r4insights.insuranceExpired.explanation":"La p\xf3liza de seguro contra riesgos registrada ha vencido. Los prestamistas requieren una p\xf3liza activa el d\xeda en que se financia su pr\xe9stamo.","r4insights.insuranceExpired.nextStep":"Comun\xedquese con su agente de seguros para obtener una nueva p\xf3liza o un comprobante de renovaci\xf3n vigente en el cierre.","r4insights.insuranceExpired.uploadLabel":"Subir nueva p\xf3liza","r4insights.insuranceExpiresSoon.title":"El seguro de propietario de vivienda vence pronto","r4insights.insuranceExpiresSoon.explanation":"Su p\xf3liza actual de seguro de propietario de vivienda vence en los pr\xf3ximos 30 d\xedas. Es posible que necesitemos un comprobante de renovaci\xf3n antes del cierre.","r4insights.insuranceExpiresSoon.nextStep":"Solicite un comprobante de renovaci\xf3n a su agente de seguros si a\xfan no lo tiene.","r4insights.insuranceExpiresSoon.uploadLabel":"Subir comprobante de renovaci\xf3n","r4insights.titleCloud.title":"Se encontr\xf3 un problema de t\xedtulo en la propiedad","r4insights.titleCloud.explanation":"Existe un gravamen, sentencia u otro reclamo sobre el t\xedtulo de la propiedad. Estos deben resolverse antes de que el prestamista pueda financiar el pr\xe9stamo.","r4insights.titleCloud.nextStep":"Su compa\xf1\xeda de t\xedtulos y su oficial de pr\xe9stamos trabajar\xe1n para resolver esto; es posible que deba proporcionar documentaci\xf3n.","r4insights.communityProperty.title":"Se necesitar\xe1 la firma del c\xf3nyuge","r4insights.communityProperty.explanation":"La vivienda se mantiene como bien mancomunado (community property). Aunque su c\xf3nyuge no figure en el pr\xe9stamo, deber\xe1 firmar algunos documentos del cierre.","r4insights.communityProperty.nextStep":"Procure que su c\xf3nyuge est\xe9 disponible el d\xeda del cierre.","r4insights.trid3DayViolation.title":"La fecha de cierre es demasiado pronto despu\xe9s del Closing Disclosure","r4insights.trid3DayViolation.explanation":"Por ley, debe recibir su Closing Disclosure al menos 3 d\xedas h\xe1biles antes del cierre. Las fechas actuales no cumplen ese requisito; es probable que el cierre se posponga.","r4insights.trid3DayViolation.nextStep":"Prep\xe1rese para una posible fecha de cierre posterior; su oficial de pr\xe9stamos confirmar\xe1 la nueva fecha.","r4insights.trid3DayMet.title":"El cronograma de cierre se ve correcto","r4insights.trid3DayMet.explanation":"Su Closing Disclosure se emiti\xf3 con suficiente antelaci\xf3n antes del cierre. Es un requisito legal y vamos por buen camino.","r4insights.cashToCloseTolerance.title":"El efectivo necesario en el cierre cambi\xf3 significativamente","r4insights.cashToCloseTolerance.explanation":"El monto que necesita aportar en el cierre difiere del Loan Estimate original en m\xe1s de lo permitido. Su oficial de pr\xe9stamos le explicar\xe1 si el prestamista absorbe la diferencia o si lo hace usted.","r4insights.cashToCloseTolerance.nextStep":"P\xeddale a su oficial de pr\xe9stamos que le explique qu\xe9 cargos cambiaron y por qu\xe9.","r4insights.borrowerReceivesFunds.title":"Usted recibir\xe1 fondos en el cierre","r4insights.borrowerReceivesFunds.explanation":"Seg\xfan los n\xfameros, en realidad usted recibir\xe1 dinero en el cierre en lugar de pagar. Esto suele ocurrir en refinanciamientos con retiro de efectivo (cash-out) o escenarios con tasa de reembolso (rebate-rate).","r4insights.ch7SeasoningMet.title":"La bancarrota anterior ya qued\xf3 lo suficientemente atr\xe1s","r4insights.ch7SeasoningMet.explanation":"Ha pasado suficiente tiempo desde que se finiquit\xf3 su bancarrota, por lo que todos los principales programas de pr\xe9stamo (convencional, FHA, VA) est\xe1n disponibles para usted.","r4insights.ch7SeasoningParti

1al.title":"Bancarrota anterior: algunas opciones de pr\xe9stamo disponibles, convencional a\xfan no","r4insights.ch7SeasoningPartial.explanation":"Los pr\xe9stamos respaldados por el gobierno (FHA, VA) est\xe1n disponibles para usted ahora. Los pr\xe9stamos convencionales requieren un poco m\xe1s de tiempo antes de que usted califique.","r4insights.ch7SeasoningPartial.nextStep":"Su oficial de pr\xe9stamos lo dirigir\xe1 al programa que se ajuste a sus plazos.","r4insights.ch7SeasoningNotMet.title":"Bancarrota anterior: a\xfan no ha pasado suficiente tiempo","r4insights.ch7SeasoningNotMet.explanation":"La mayor\xeda de los programas de pr\xe9stamo requieren un per\xedodo de espera despu\xe9s de que se finiquita una bancarrota. Es posible que debamos considerar programas no tradicionales o esperar hasta que se cumpla el per\xedodo de espera.","r4insights.ch7SeasoningNotMet.nextStep":"Su oficial de pr\xe9stamos le explicar\xe1 qu\xe9 opciones podr\xedan funcionar.","r4insights.irrelevantDocument.title":"El documento no parece un documento de pr\xe9stamo","r4insights.irrelevantDocument.explanation":"El archivo que subi\xf3 parece un recibo o un documento no relacionado; no pudimos usarlo para su solicitud.","r4insights.irrelevantDocument.nextStep":"Elimine este archivo y suba un documento de pr\xe9stamo v\xe1lido, como un recibo de pago, un estado de cuenta bancario o una declaraci\xf3n de impuestos.","r4insights.irrelevantDocument.uploadLabel":"Subir el documento correcto","r4prequal.strength.reserves12":"Reservas ≥12 meses de PITIA","r4prequal.strength.coBorrower":"Co-prestatario en la solicitud","r4prequal.strength.reservesMonths":"Reservas de {months} meses de PITIA","r4prequal.weakness.reservesAddDollars":"Agregue al menos 2\xd7 ${amount2x} = ${amountTotal} en reservas l\xedquidas para superar el siguiente overlay.","r4prequal.weakness.fico760":"Suba el FICO a 760+ para obtener el precio de nivel 1.","r4prequal.weakness.fico740":"Suba el FICO a 740+ para eliminar la mayor\xeda de los LLPA.","r4prequal.weakness.fico720":"Suba el FICO a 720+ para eliminar el siguiente nivel de LLPA.","r4prequal.weakness.fico700":"Realice un rapid-rescore: llegar a 700+ ahorra ~4 puntos.","r4prequal.weakness.fico680":"Reduzca los saldos rotativos; 680 es el siguiente nivel de mejora de precio.","r4prequal.weakness.fico660":"Por debajo de 660 se activan la mayor\xeda de los overlays convencionales. Considere la v\xeda FHA.","r4prequal.weakness.fico640":"Por debajo de 640: cambie a FHA/non-QM y reinicie el escenario.","r4prequal.weakness.fico620":"Por debajo de 620 se descalifica a la mayor\xeda de los prestamistas convencionales. FHA m\xedn. 580 / VA 600.","r4prequal.weakness.ltv70":"Reduzca el LTV a ≤70 para superar el siguiente LLPA.","r4prequal.weakness.ltv75":"Reduzca el LTV a ≤75 para una mejora de precio.","r4prequal.weakness.ltv80":"Reduzca el LTV a ≤80 para eliminar el PMI.","r4prequal.weakness.ltv80pmi":"Reestructure a un LTV ≤80 para eliminar el PMI y el impacto del LLPA.","r4prequal.weakness.ltv90":"Por encima de 90 LTV, las tasas de PMI suben; considere un pago inicial mayor.","r4prequal.weakness.ltv95":"Por encima de 95, la mayor\xeda de los prestamistas convencionales ponen un l\xedmite; cambie a FHA (m\xe1x. 96.5).","r4prequal.weakness.dti36":"Pague una tarjeta de cr\xe9dito para reducir el DTI por debajo de 36.","r4prequal.weakness.dti43":"Por encima del 43 % de DTI no cumple el QM-safe-harbor; el prestamista exige factores compensatorios.","r4prequal.weakness.dti50":"Por encima del 50 % de DTI es territorio non-QM: cambie de producto.","r4prequal.weakness.llpaHeavy":"Consulte la pesta\xf1a de Precios: los LLPA anteriores est\xe1n vinculados a FICO/LTV/ocupaci\xf3n. Mejorar cualquiera de ellos recupera puntos.","r4prequal.weakness.llpaStacked":"El LLPA total es lo suficientemente alto como para que otro prestamista pueda cotizar mejor; vuelva a ejecutar el c\xe1lculo de precios una vez que el prestamista n.\xba 2 est\xe9 conectado.","r4prequal.weakness.tenure24":"Un empleo estable de ≥24 meses elimina las preocupaciones del prestamista sobre factores compensatorios.","r4prequal.weakness.tenure12":"Los prestamistas prefieren ≥12 meses en el empleo actual. Documente la continuidad con el empleador anterior si es el mismo tipo de trabajo.","r4prequal.weakness.tenure6":"<6 meses en el empleo actual: la mayor\xeda de los prestamistas exigen factores compensatorios (grandes reservas, LTV bajo) para compensar.","r4prequal.weakness.reservesAim":"Procure tener al menos 2 meses de PITIA en reservas l\xedquidas.","r4prequal.weakness.reservesNone":"La mayor\xeda de los prestamistas mayoristas exigen ≥2 meses de reservas en residencias principales; las de inversi\xf3n requieren ≥6 meses.","r4prequal.weakness.bankruptcy":"Confirme el per\xedodo de espera: 4 a\xf1os convencional / 2 a\xf1os FHA desde la fecha de liberaci\xf3n. Obtenga la orden de liberaci\xf3n para verificar.","r4prequal.weakness.foreclosure":"Per\xedodo de espera por ejecuci\xf3n hipotecaria: 7 a\xf1os convencional (3 a\xf1os con circunstancias atenuantes), 3 a\xf1os FHA. Verifique con el informe de cr\xe9dito.","r4prequal.weakness.selfEmployed":"Los trabajadores por cuenta propia necesitan 2 a\xf1os de declaraciones de impuestos + promedio del Schedule C. Agregue reservas; los prestamistas son m\xe1s estrictos con el flujo de caja.","r4prequal.weakness.jumbo":"Superar el l\xedmite de pr\xe9stamo conforme activa los overlays jumbo. Confirme que UWM (o un prestamista con capacidad jumbo) acepte la combinaci\xf3n de FICO + LTV.","r4prequal.weakness.cashOut":"Un refinanciamiento de tasa y plazo evita el rango de LLPA por cash-out.","r4prequal.weakness.manufactured":"Las propiedades prefabricadas tienen un apetito de prestamistas m\xe1s limitado; confirme que UWM acepte el tipo de cimentaci\xf3n.","r4prequal.weakness.ausApproveIneligible":"AUS a

1prob\xf3 con condiciones que lo hacen inelegible: revise los hallazgos para identificar el overlay.","r4prequal.weakness.ausReferCaution":"AUS lo deriv\xf3 con precauci\xf3n: probablemente suscripci\xf3n manual. Refuerce el expediente (documentos de ingresos, reservas) antes de enviar.","r4prequal.weakness.highCost":"Reduzca los puntos/cargos o la tasa nominal para quedar por debajo del umbral de APR; consulte la pesta\xf1a de Precios.","r4prequal.weakness.atrIncomplete":"Abra la pesta\xf1a de Cumplimiento; los factores ATR faltantes est\xe1n detallados ah\xed.","r4prequal.weakness.stateHighCost":"Pr\xe9stamo estatal de alto costo: se requieren divulgaciones adicionales al enviar.","r4prequal.weakness.noProduct":"Revise la pesta\xf1a de Precios: probablemente se est\xe9 alcanzando un l\xedmite estricto del producto (FICO/LTV/monto del pr\xe9stamo).","r4health.stage.applicationReview":"Revisi\xf3n de la solicitud","r4health.stage.applicationStarted":"Solicitud iniciada","r4health.stage.draft":"Borrador","r4health.stage.applicationSubmitted":"Solicitud enviada","r4health.stage.submitted":"Enviada","r4health.stage.processing":"En procesamiento","r4health.stage.preUnderwriting":"Presuscripci\xf3n","r4health.stage.underwriting":"Suscripci\xf3n","r4health.stage.seniorUnderwriting":"Suscripci\xf3n s\xe9nior","r4health.stage.conditionalApproval":"Aprobaci\xf3n condicional","r4health.stage.approved":"Aprobado","r4health.stage.clearToClose":"Listo para cerrar","r4health.stage.closing":"Cierre","r4health.stage.funded":"Financiado","r4health.factor.conditionsInProgressOne":"{count} condici\xf3n en proceso","r4health.factor.conditionsInProgressMany":"{count} condiciones en proceso","r4health.factor.openConditionsOne":"{count} condici\xf3n pendiente","r4health.factor.openConditionsMany":"{count} condiciones pendientes","r4health.factor.noOpenConditions":"Sin condiciones pendientes","r4health.factor.docsInProgressOne":"{count} documento en proceso","r4health.factor.docsInProgressMany":"{count} documentos en proceso","r4health.factor.docsNeededOne":"{count} documento a\xfan pendiente","r4health.factor.docsNeededMany":"{count} documentos a\xfan pendientes","r4health.factor.daysSinceUpdateOne":"{count} d\xeda desde la \xfaltima actualizaci\xf3n","r4health.factor.daysSinceUpdateMany":"{count} d\xedas desde la \xfaltima actualizaci\xf3n","r4health.factor.rateLocked":"Tasa bloqueada en {rate}%","r4health.factor.closingConfirmed":"Fecha de cierre confirmada","r4health.action.clearConditionsOne":"Resolver {count} condici\xf3n pendiente","r4health.action.clearConditionsMany":"Resolver {count} condiciones pendientes","r4health.action.uploadDocsOne":"Subir {count} documento pendiente","r4health.action.uploadDocsMany":"Subir {count} documentos pendientes","r4health.action.lockRate":"Bloquee su tasa cuando est\xe9 listo","r4health.action.pickClosingDate":"Elija una fecha de cierre","r4tour.step3.plaid.title":"Evita escribir: conecta tu banco","r4tour.step3.plaid.body":"Podemos obtener tus tipos de cuenta, saldos y los \xfaltimos 4 d\xedgitos de tus cuentas autom\xe1ticamente a trav\xe9s de <strong>Plaid</strong>: cifrado de nivel bancario, usado por Venmo, Robinhood y Coinbase. El acceso a tu banco va <strong>directamente a Plaid</strong> (no a nosotros), y solo recibimos saldos y tipos de cuenta. La mayor\xeda de los prestatarios ahorran m\xe1s de 5 minutos aqu\xed.","r4tour.step3.plaid.ask":"\xbfEs seguro conectar mi banco a trav\xe9s de Plaid?","r4tour.step3.plaid.action.primary":"S\xed, c

1onectar mi banco","r4tour.step3.plaid.action.secondary":"No gracias, lo agregar\xe9 manualmente","r4tour.step3.addAsset.title":"Agregar un activo (opcional)","r4tour.step3.addAsset.body":"<strong>Omite esto si no tienes cuentas que listar</strong> (raro: la mayor\xeda de los prestatarios listan al menos su cuenta corriente principal). Si las tienes, haz clic en <strong>Agregar Activo</strong> y te guiar\xe9 para completar una cuenta. Puedes agregar m\xe1s despu\xe9s.","r4tour.step3.addAsset.ask":"\xbfTengo que listar todas mis cuentas, o solo las que usar\xe9 para el enganche?","r4tour.step3.addAsset.action.primary":"Agregar un activo","r4tour.step3.addAsset.action.secondary":"Omitir: sin activos manuales","r4tour.step5.addProperty.title":"Agregar una propiedad (opcional)","r4tour.step5.addProperty.body":"<strong>Omite esto si no eres due\xf1o de ning\xfan otro bien ra\xedz.</strong> Si s\xed tienes propiedades adem\xe1s de la que est\xe1s financiando con este pr\xe9stamo — rentas, casas de vacaciones, casas pagadas — haz clic en <strong>Agregar Propiedad</strong> y te guiar\xe9 con una entrada. Puedes agregar m\xe1s despu\xe9s.","r4tour.step5.addProperty.ask":"Soy copropietario de una propiedad con un hermano: \xbfla incluyo?","r4tour.step5.addProperty.action.primary":"Agregar una propiedad","r4tour.step5.addProperty.action.secondary":"Omitir: sin otras propiedades","r4tour.step1.0.title":"Tu nombre legal (de pila)","r4tour.step1.0.body":"Usa el nombre <strong>exactamente como aparece en tu identificaci\xf3n oficial</strong>. Hasta un error de escritura puede retrasar el pr\xe9stamo en el cierre.","r4tour.step1.0.ask":"\xbfPor qu\xe9 mi nombre legal tiene que coincidir con mi identificaci\xf3n para una hipoteca?","r4tour.step1.1.title":"Segundo nombre","r4tour.step1.1.body":"<strong>Omite esto si no tienes segundo nombre (o no aparece en tu identificaci\xf3n).</strong> Si S\xcd aparece en tu identificaci\xf3n, incl\xfayelo: de lo contrario, la compa\xf1\xeda de t\xedtulos lo pedir\xe1 despu\xe9s, lo que puede retrasar el cierre.","r4tour.step1.1.ask":"\xbfTengo que incluir mi segundo nombre en mi hipoteca?","r4tour.step1.2.title":"Apellido","r4tour.step1.2.body":"Misma regla: que coincida con tu identificaci\xf3n oficial. Guiones, sufijos, acentos — d\xe9jalos tal cual.","r4tour.step1.2.ask":"El apellido en mi identificaci\xf3n es diferente al que suelo usar — \xbfqu\xe9 hago?","r4tour.step1.3.title":"Sufijo","r4tour.step1.3.body":"<strong>Om\xedtelo si tu identificaci\xf3n no tiene uno.</strong> Compl\xe9talo si lo tiene — Jr, Sr, II, III, etc. La compa\xf1\xeda de t\xedtulos detectar\xe1 cualquier discrepancia m\xe1s adelante, as\xed que es m\xe1s limpio ponerlo ahora.","r4tour.step1.3.ask":'\xbfIncluyo "Jr" si mi pap\xe1 tiene el mismo nombre que yo?',"r4tour.step1.4.title":"Otros nombres que has usado","r4tour.step1.4.body":"<strong>Om\xedtelo si siempre has usado el mismo nombre.</strong> Si has tenido un apellido de soltera, un nombre legal anterior o un apodo de muchos a\xf1os que aparece en cuentas financieras, an\xf3talos aqu\xed — la agencia de cr\xe9dito podr\xeda tener registros bajo esos nombres.","r4tour.step1.4.ask":"Cambi\xe9 mi nombre cuando me cas\xe9 — \xbfqu\xe9 pongo como nombre alternativo?","r4tour.step1.5.title":"Correo electr\xf3nico","r4tour.step1.5.body":"Aqu\xed enviamos las actualizaciones del estado de tu pr\xe9stamo, adem\xe1s del enlace para firmar electr\xf3nicamente las divulgaciones. Usa uno que revises con frecuencia.","r4tour.step1.5.ask":"\xbfCon qu\xe9 frecuencia recibir\xe9 correos sobre mi pr\xe9stamo?","r4tour.step1.6.title":"Tel\xe9fono celular","r4tour.step1.6.body":"Tu corredor te llamar\xe1 o enviar\xe1 mensajes aqu\xed. Tambi\xe9n se usa para los c\xf3digos OTP de inicio de sesi\xf3n si entras desde un dispositivo nuevo.","r4tour.step1.6.ask":"\xbfRecibir\xe9 llamadas de spam si les doy mi n\xfamero de tel\xe9fono?","r4tour.step1.7.title":"Tel\xe9fono de casa","r4tour.step1.7.body":"<strong>Om\xedtelo si no tienes l\xednea fija.</strong> La mayor\xeda de los prestatarios no la tiene y puede dejarlo en blanco. Si la tienes, tener un segundo n\xfamero en el archivo ayuda si no se puede localizar tu celular durante una llamada de cierre.","r4tour.step1.7.ask":"\xbfImporta mi tel\xe9fono de casa si mi celular es mi n\xfamero principal?","r4tour.step1.8.title":"Tel\xe9fono del trabajo","r4tour.step1.8.body":"<strong>Om\xedtelo si prefieres que no te contacten en el trabajo.</strong> Si lo incluyes, el verificador del prestamista podr\xeda llamar para confirmar tu empleo — preguntan por RR. HH./n\xf3mina, no por ti personalmente.","r4tour.step1.8.ask":"\xbfLe dir\xe1n a mi trabajo que estoy 

1solicitando una hipoteca?","r4tour.step1.9.title":"Fecha de nacimiento","r4tour.step1.9.body":"Necesaria para el reporte de cr\xe9dito y el cumplimiento federal. Formato: MM/DD/AAAA. Debes tener 18 a\xf1os o m\xe1s.","r4tour.step1.9.ask":"\xbfPor qu\xe9 necesitan mi fecha de nacimiento?","r4tour.step1.10.title":"N\xfamero de Seguro Social","r4tour.step1.10.body":"<strong>Obligatorio</strong> para el reporte de cr\xe9dito. Se guarda cifrado (hash); nunca se te vuelve a mostrar.","r4tour.step1.10.ask":"\xbfEs seguro poner mi SSN en este formulario?","r4tour.step1.11.title":"Estado civil","r4tour.step1.11.body":"Elige una opci\xf3n. Si est\xe1s casado/a en un estado de bienes mancomunados (CA, AZ, ID, LA, NV, NM, TX, WA, WI), es posible que pidamos informaci\xf3n limitada de tu c\xf3nyuge aunque no est\xe9 en el pr\xe9stamo.","r4tour.step1.11.ask":"\xbfPor qu\xe9 importa mi estado civil para obtener una hipoteca?","r4tour.step1.12.title":"Ciudadan\xeda","r4tour.step1.12.body":"Los ciudadanos de EE. UU. tienen las opciones de pr\xe9stamo m\xe1s amplias. Los residentes permanentes y no permanentes tambi\xe9n califican: solo necesitan documentos adicionales (green card o visa de trabajo).","r4tour.step1.12.ask":"\xbfPuedo obtener una hipoteca si no soy ciudadano?","r4tour.step1.13.title":"Direcci\xf3n y unidad","r4tour.step1.13.body":"Tu residencia actual: <strong>direcci\xf3n</strong> y <strong>n\xfamero de unidad / apartamento</strong> si aplica. Los prestamistas necesitan 2 a\xf1os de historial de residencia continuo; si has vivido aqu\xed menos de 2 a\xf1os, tambi\xe9n te pediremos tu direcci\xf3n anterior. El n\xfamero de unidad es opcional.","r4tour.step1.13.ask":"\xbfPor qu\xe9 necesitan 2 a\xf1os de historial de direcciones para mi hipoteca?","r4tour.step1.14.title":"Ciudad","r4tour.step1.14.body":"Ciudad de tu residencia actual.","r4tour.step1.14.ask":"\xbfLa ciudad debe coincidir con mi licencia de conducir?","r4tour.step1.15.title":"Estado","r4tour.step1.15.body":"C\xf3digo de estado de dos letras (p. ej. CA, NY). Importa para las reglas de cumplimiento espec\xedficas de cada estado.","r4tour.step1.15.ask":"\xbfPor qu\xe9 importa el estado para mi hipoteca?","r4tour.step1.16.title":"C\xf3digo postal","r4tour.step1.16.body":"El c\xf3digo postal de tu residencia actual. Se usa para obtener informaci\xf3n de impuestos sobre la propiedad y zona de inundaci\xf3n si alguna vez compras aqu\xed.","r4tour.step1.16.ask":"\xbfC\xf3mo afecta el c\xf3digo postal a mi pr\xe9stamo?","r4tour.step1.17.title":"Situaci\xf3n de vivienda","r4tour.step1.17.body":"Propia / Alquilada / Vivienda gratuita. Si alquilas, te pediremos tu renta mensual (se usa en la relaci\xf3n deuda-ingreso).","r4tour.step1.17.ask":"\xbfMi situaci\xf3n de vivienda actual afecta la aprobaci\xf3n de mi hipoteca?","r4tour.step1.18.title":"Tiempo en esta direcci\xf3n","r4tour.step1.18.body":"A\xf1os y meses en esta direcci\xf3n. Si en total es menos de 2 a\xf1os, el asistente agregar\xe1 una tarjeta de direcci\xf3n anterior a continuaci\xf3n.","r4tour.step1.18.ask":"\xbfQu\xe9 pasa si me he mudado varias veces en los \xfaltimos 2 a\xf1os?","r4tour.step2.0.title":"Tu empleador actual","r4tour.step2.0.body":'Usa el <strong>nombre legal</strong> que aparece en tu cheque de pago o W-2, no la marca. Si tu recibo dice "Acme Holdings LLC" pero todos lo llaman Acme, pon el nombre legal — la verificaci\xf3n de n\xf3mina lo comparar\xe1 con \xe9l. Si a\xfan no existe ninguna fila, haz clic en <strong>Agregar empleo</strong> abajo para comenzar.',"r4tour.step2.0.ask":"\xbfQu\xe9 pasa si el nombre legal de mi empleador es diferente del que le digo a la gente?","r4tour.step2.1.title":"Tel\xe9fono del empleador","r4tour.step2.1.body":"Sirve una l\xednea principal de Recursos Humanos o de n\xf3mina. El prestamista o un verificador puede llamar para confirmar el empleo — no pedir\xe1n datos personales.","r4tour.step2.1.ask":"\xbfLlamar\xe1n a mi empleador por esta hipoteca?","r4tour.step2.2.title":"Calle y ciudad del empleador","r4tour.step2.2.body":"La calle y ciudad de tu empleador (la direcci\xf3n corporativa o de la sede que aparece en tu recibo de pago). Si trabajas de forma remota, usa la sede del empleador, no tu casa.","r4tour.step2.2.ask":"\xbfQu\xe9 pasa si trabajo de forma remota? \xbfUso mi direcci\xf3n de casa como direcci\xf3n del empleador?","r4tour.step2.3.title":"Estado y c\xf3digo postal del empleador","r4tour.step2.3.body":"El estado y c\xf3digo postal de la direcci\xf3n del empleador. El prestamista lo usar\xe1 para la Verificaci\xf3n de Empleo (VOE) — llaman a la l\xednea de Recursos Humanos/n\xf3mina de esta ubicaci\xf3n.","r4tour.step2.3.ask":"\xbfPor qu\xe9 necesita el prestamista la direcci\xf3n de mi empleador?","r4tour.step2.4.title":"\xbfTrabajas por cuenta propia? D\xednoslo ahora","r4tour.step2.4.body":"Los prestatarios que trabajan por cuenta propia necesitan documentos diferentes: <strong>2 a\xf1os de declaraciones de impuestos personales</strong>, declaraciones de impuestos del negocio si eres due\xf1o del 25% o m\xe1s, y un <strong>estado de p\xe9rdidas y ganancias del a\xf1o en curso (YTD)</strong>. Decir que s\xed aqu\xed desbloquea la lista de documentos correcta m\xe1s adelante.","r4tour.step2.4.ask":"Soy contratista 1099, \xbfcuento como trabajador por cuenta propia para fines de la hipoteca?","r4tour.step2.5.title":"\xbfTienes participaci\xf3n en esta empresa?","r4tour.step2.5.body":"<strong>Omite esto si no tienes ninguna participaci\xf3n en la empresa.</strong> Compl\xe9talo si s\xed la tienes; es importante porque tener el <strong>25% o m\xe1s</strong> hace que el prestamista te trate como trabajador por cuenta propia sin importar c\xf3mo te paguen (y necesitar\xe1n las declaraciones de impuestos del negocio). Con menos del 25%, sigues siendo empleado para fines de la suscripci\xf3n.","r4tour.step2.5.ask":"Tengo el 10% de mi empleador, \xbfsoy trabajador por cuenta propia para la hipoteca?","r4tour.step2.6.title":"Tu cargo o puesto","r4tour.step2.6.body":"Usa el cargo que aparece en tu carta de oferta o tarjeta de presentaci\xf3n. Si te ascendieron, usa tu cargo actual; el verificador ve la n\xf3mina actual, no el historial.","r4tour.step2.6.ask":"Mi cargo en el trabajo es diferente del que le digo a la gente, \xbfcu\xe1l uso?","r4tour.step2.7.title":"Cu\xe1nto tiempo llevas trabajando aqu\xed","r4tour.step2.7.body":"El tiempo total con <em>este</em> empleador, en a\xf1os y meses. Cambiar de trabajo no te descalifica, pero los prestamistas prefieren ver <strong>2 a\xf1os en el mismo trabajo</strong> o en el mismo tipo de actividad.","r4tour.step2.7.ask":"Acabo de cambiar de trabajo, \xbfeso perjudica mis posibilidades?","r4tour.step2.8.title":"Fecha de inicio","r4tour.step2.8.body":"Cu\xe1ndo empezaste con <em>este</em> empleador. Se usa para calcular tu antig\xfcedad total con precisi\xf3n (el prestamista prefiere fechas exactas en lugar de a\xf1os/meses redondeados).","r4tour.step2.8.ask":"No recuerdo mi fecha exacta de inicio, \xbfqu\xe9 debo poner?","r4tour.step2.9.title":"Fecha de finalizaci\xf3n","r4tour.step2.9.body":"<strong>D\xe9jala en blanco si es tu trabajo actual.</strong> Si se trata de un empleador anterior, pon la fecha en que dejaste el puesto. El prestamista la usa para confirmar que no haya vac\xedos de empleo en tu historial de 2 a\xf1os.","r4tour.step2.9.ask":"\xbfLa fecha de finalizaci\xf3n es el \xfaltimo d\xeda que trabaj\xe9 o la fecha en que terminaron mis beneficios?","r4tour.step2.10.title":"A\xf1os en este tipo de trabajo","r4tour.step2.10.body":"El tiempo total en tu CARRERA, no solo con este empleador. Quienes cambian de trabajo dentro de la misma industria igual califican porque <strong>la continuidad en el mismo tipo de trabajo cuenta</strong>

1. Ejemplo: 3 puestos distintos de ingeniero de software en 6 a\xf1os = 6 a\xf1os en el mismo tipo de trabajo.","r4tour.step2.10.ask":"Cambi\xe9 de carrera, \xbfmis a\xf1os anteriores siguen contando?","r4tour.step2.11.title":"\xbfTrabajas para un familiar?","r4tour.step2.11.body":"Si un padre, hermano o c\xf3nyuge es due\xf1o del negocio, marca esto. Los prestamistas piden <strong>documentos adicionales</strong> (W-2 + carta firmada del empleador) porque el empleo familiar se puede falsificar.","r4tour.step2.11.ask":"Mis padres son due\xf1os de la empresa donde trabajo, \xbfeso cambia algo?","r4tour.step2.12.title":"\xbfEmpleado por una parte de la transacci\xf3n?","r4tour.step2.12.body":"<strong>Omite esto a menos que tu empleador SEA el vendedor, constructor o agente inmobiliario de esta transacci\xf3n.</strong> Genera m\xe1s escrutinio (posible conflicto de inter\xe9s, a menudo requiere un segundo aval\xfao). La mayor\xeda de los solicitantes responde No.","r4tour.step2.12.ask":"\xbfQu\xe9 es una 'parte de la transacci\xf3n' y sabr\xeda yo si mi empleador lo es?","r4tour.step2.13.title":"Tu salario base mensual","r4tour.step2.13.body":"Salario mensual bruto (antes de impuestos). Si te pagan por hora, multiplica tarifa por hora \xd7 horas semanales \xd7 4.33. Cheques quincenales \xd7 2.167.","r4tour.step2.13.ask":"\xbfC\xf3mo convierto mi salario por hora a ingreso mensual para una hipoteca?","r4tour.step2.14.title":"Ingreso variable","r4tour.step2.14.body":"Horas extra, bonos y comisiones. <strong>Omite si solo ganas un salario fijo.</strong> Si recibes pago variable, incluirlo puede <strong>aumentar mucho tu capacidad de pr\xe9stamo</strong>: los prestamistas lo cuentan una vez que tienes 2 a\xf1os de historial. Ingresa el promedio mensual de los \xfaltimos 24 meses.","r4tour.step2.14.ask":"Mi bono var\xeda mucho de un a\xf1o a otro, \xbfel prestamista lo usar\xe1?","r4tour.step2.15.title":"Paga militar","r4tour.step2.15.body":"<strong>Omite si no eres militar en servicio activo o de reserva.</strong> Si lo eres, paga base mensual + BAH (subsidio b\xe1sico de vivienda) + BAS (subsistencia) + cualquier paga especial. Los solicitantes de pr\xe9stamos VA lo registran aqu\xed.","r4tour.step2.15.ask":"\xbfEl BAH cuenta como ingreso gravable para calificar a una hipoteca?","r4tour.step2.16.title":"Otros ingresos","r4tour.step2.16.body":"<strong>Omite si no tienes otros ingresos basados en el empleo.</strong> Ejemplos que van aqu\xed: propinas reportadas en el W-2, diferenciales de turno regulares, paga por estar de guardia. (NO pensi\xf3n alimenticia, manutenci\xf3n de hijos ni ingresos de alquiler — esos tienen sus propias secciones.)","r4tour.step2.16.ask":"\xbfD\xf3nde pongo las propinas que no aparecen en mi cheque de pago?","r4tour.step2.17.title":"Ahora agrega empleos anteriores para cubrir 2 a\xf1os","r4tour.step2.17.body":"Los prestamistas necesitan <strong>2 a\xf1os de empleo continuo</strong>. Si llevas menos de 2 a\xf1os en este trabajo, haz clic en <strong>Agregar empleo</strong> e ingresa los trabajos anteriores uno tras otro hasta cubrir 24 meses. Los periodos sin empleo necesitan una explicaci\xf3n por escrito.","r4tour.step2.17.ask":"Tengo una brecha de 4 meses entre empleos, \xbfc\xf3mo la explico?","r4tour.step3.0.title":"Tipo de cuenta","r4tour.step3.0.body":"Elige la opci\xf3n m\xe1s parecida: <strong>Cuenta corriente (Checking)</strong> para el d\xeda a d\xeda, <strong>Ahorros (Savings)</strong> para un fondo aparte, <strong>Jubilaci\xf3n (Retirement)</strong> para 401(k)/IRA, <strong>Corretaje (Brokerage)</strong> para acciones. Si no ves tu tipo, elige Otro. Si todav\xeda no hay ninguna fila, haz clic en <strong>Agregar activo</strong> para empezar.","r4tour.step3.0.ask":"Mi dinero est\xe1 en un Roth IRA, \xbfqu\xe9 tipo de cuenta elijo?","r4tour.step3.1.title":"Qu\xe9 banco o casa de corretaje","r4tour.step3.1.body":'Usa el nombre legal que aparece en tu estado de cuenta (por ejemplo, <em>"Chase Bank, N.A."</em>, <em>"Fidelity Brokerage Services LLC"</em>). El prestamista lo compara con el documento que subir\xe1s m\xe1s adelante.',"r4tour.step3.1.ask":"\xbfEl nombre del banco tiene que coincidir exactamente con mi estado de cuenta?","r4tour.step3.2.title":"N\xfamero de cuenta (solo los \xfaltimos 4)","r4tour.step3.2.body":"<strong>Solo los \xfaltimos 4 d\xedgitos.</strong> No guardamos los n\xfameros de cuenta completos en la solicitud. El prestamista confirma los n\xfameros completos m\xe1s adelante con los estados de cuenta que subas.","r4tour.step3.2.ask":"\xbfPor qu\xe9 solo quieren los \xfaltimos 4 d\xedgitos de mi n\xfamero de cuenta?","r4tour.step3.3.title":"Cu\xe1nto hay en ella","r4tour.step3.3.body":"Usa el saldo actual (o el valor de mercado para cuentas de corretaje/jubilaci\xf3n). Redondea al d\xf3lar m\xe1s cercano. El prestamista lo verificar\xe1 con tus <strong>2 estados de cuenta m\xe1s recientes</strong>.","r4tour.step3.3.ask":"El saldo de mi cuenta var\xeda, \xbfqu\xe9 cifra uso?","r4tour.step3.4.title":"Agrega cada cuenta donde tengas dinero","r4tour.step3.4.body":"Los prestamistas verifican tus activos con <strong>2 meses de estados de cuenta bancarios</strong>. Incluye cuenta corriente, ahorros, jubilaci\xf3n (401k/IRA), corretaje e incluso cripto. Olvidar una cuenta no es delito, pero no puedes usar esos fondos para el cierre si no aparece en la lista.","r4tour.step3.4.ask":"\xbfTengo que declarar cuentas que no voy a usar para el enganche?","r4tour.step3.5.title":"Sobre los regalos y subvenciones","r4tour.step3.5.body":"Un <strong>regalo (gift)</strong> es dinero que alguien te da para este pr\xe9stamo y que no tienes que devolver. Requisitos: una <strong>carta de regalo</strong> firmada por el donante + un rastro documental que muestre que los fondos se movieron (confirmaci\xf3n de transferencia, recibo de dep\xf3sito). Sin carta, el prestamista no lo contar\xe1 para el cierre.","r4tour.step3.5.ask":"Mis padres me dar\xe1n $20K para el enganche, \xbfqu\xe9 documentos necesito?","r4tour.step3.6.title":"Cu\xe9ntanos sobre tu regalo","r4tour.step3.6.body":"Elige el tipo (Efectivo es lo m\xe1s com\xfan), la fuente (Familiar, Empleador, Agencia, Otro) y el monto. Cada regalo tiene su propia fila.","r4tour.step3.6.ask":"\xbfMi empleador puede darme dinero de regalo para el enganche?","r4tour.step3.7.title":"Agrega un regalo o subsidio (opcional)","r4tour.step3.7.body":"<strong>Omite esto si nadie te est\xe1 dando dinero para este pr\xe9stamo.</strong> Si un familiar, empleador o agencia de subsidios te ayuda con los costos de cierre o el enganche, haz clic en <strong>Agregar regalo/subsidio</strong>. Cada donante necesita su propia fila + su propia carta de regalo.","r4tour.step3.7.ask":"Mis padres me est\xe1n dando un regalo por separado: \xbfanoto un regalo o dos?","r4tour.step3.7.action.primary":"Agregar un regalo","r4tour.step3.7.action.secondary":"Omitir — sin regalos","r4tour.step4.0.title":"Agrega una deuda (opcional)","r4tour.step4.0.body":"<strong>Omite esto si no tienes tarjetas de cr\xe9dito, pr\xe9stamos de auto ni pr\xe9stamos estudiantiles.</strong> La mayor\xeda de los solicitantes tiene al menos uno — cada deuda mensual se incluye en tu relaci\xf3n <strong>deuda-ingreso (DTI)</strong>, que es el filtro #1 de la evaluaci\xf3n. Haz clic en Agregar pasivo y te guiar\xe9 paso a paso por una entrada.","r4tour.step4.0.ask":"Nunca uso mi tarjeta de cr\xe9dito: \xbfde todos modos tengo que anotarla?","r4tour.step4.0.action.primary":"Agregar una deuda","r4tour.step4.0.action.secondary":"Omitir — sin deudas","r4tour.step4.1.title":"Tipo de deuda","r4tour.step4.1.body":"<strong>Rotativo</strong> = tarjetas de cr\xe9dito (el saldo cambia cada mes). <strong>A plazos</strong> = pago mensual fijo con una fecha de finalizaci\xf3n (pr\xe9stamo de auto, pr\xe9stamo estudiantil). <strong>Arrendamiento</strong> = arrendamiento de auto o equipo. Si la consulta de cr\xe9dito ya complet\xf3 esto, normalmente no necesitas cambiarlo.","r4tour.step4.1.ask":"Mi pr\xe9stamo de auto es de una cooperativa de cr\xe9dito: \xbfeso es a plazos o rotativo?","r4tour.step4.2.title":"A qui\xe9n le debes","r4tour.step4.2.body":'El nombre del acreedor tal como aparece en el estado de cuenta (p. ej., <em>"Chase Card Services"</em>, <em>"Toyota Financial Services"</em>). La consulta de cr\xe9dito completar\xe1 esto para las deudas con l\xedneas de cr\xe9dito.',"r4tour.step4.2.ask":"La consulta de cr\xe9dito muestra el nombre del acreedor incorrecto: \xbfpuedo corregirlo?","r4tour.step4.3.title":"N\xfamero de cuenta","r4tour.step4.3.body":"<strong>Omite esto si la consulta de cr\xe9dito ya lo complet\xf3.</strong> De lo contrario: los \xfaltimos 4 d\xedgitos sirven. No te preocupes por el formato — el prestamista lo coteja con los registros de los bur\xf3s. Es \xfatil cuando tienes varias tarjetas del mismo emisor, para que el prestamista pueda distinguirlas.","r4tour.step4.3.ask":"Mi n\xfamero de cuenta en el informe de cr\xe9dito est\xe1 enmascarado: \xbfes un problema?","r4tour.step4.4.title":"Cu\xe1nto debes todav\xeda","r4tour.step4.4.body":"Saldo actual (el prestamista lo volver\xe1 a verificar con los datos de los bur\xf3s). Para las tarjetas de cr\xe9dito, este es el saldo del estado de cuenta — aunque pagues el total cada mes, el saldo del estado de cuenta m\xe1s reciente igual cuenta.","r4tour.step4.4.ask":"Pago mi tarjeta de cr\xe9dito por completo cada mes, \xbfel saldo todav\xeda cuenta?","r4tour.step4.5.title":"Tu pago mensual","r4tour.step4.5.body":"El pago mensual m\xednimo requerido (no lo que sueles pagar). Esto entra directamente en tu <strong>relaci\xf3n deuda-ingreso (DTI)</strong>: el prestamista suma todos los m\xednimos + la nueva hipoteca y los divide entre el ingreso mensual bruto.","r4tour.step4.5.ask":"Siempre pago m\xe1s del m\xednimo, \xbfel prestamista usa el m\xednimo o mi pago real?","r4tour.step4.6.title":"Meses restantes (opcional)","r4tour.step4.6.body":"<strong>Omite para deudas rotativas (las tarjetas de cr\xe9dito nunca terminan).</strong> Para pr\xe9stamos a plazos, indicar el n\xfamero de pagos restantes permite al prestamista <strong>excluir del DTI las deudas con &lt;10 meses restantes</strong>. Vale la pena llenarlo si tu pr\xe9stamo de auto est\xe1 casi pagado.","r4tour.step4.6.ask":"\xbfMi pr\xe9stamo de auto todav\xeda cuenta si solo me quedan 6 pagos?","r4tour.step4.7.title":"\xbfVas a pagar esto antes del cierre?","r4tour.step4.7.body":"Marca esto para <strong>excluir esta deuda del DTI</strong>. El prestamista exigir\xe1 comprobante de pago antes del cierre (cheque cancelado, estado de cuenta con saldo cero). Es estrat\xe9gico si tu DTI est\xe1 ajustado: pagar una tarjeta de $300/mes puede darte $90K m\xe1s de capacidad de pr\xe9stamo.","r4tour.step4.7.ask":"\xbfPagar esta tarjeta de cr\xe9dito antes del cierre me ayudar\xe1 a calificar para un pr\xe9stamo m\xe1s grande?","r4tour.step4.8.title":"Resubordinada (opcional)","r4tour.step4.8.body":"<strong>Omite: esto es poco com\xfan y el prestamista te dir\xe1 si aplica.</strong> Resubordinada significa que tu gravamen existente en segunda posici\xf3n (HELOC, segunda hipoteca piggyback) se est\xe1 moviendo de nuevo a segunda posici\xf3n detr\xe1s de una nueva primera hipoteca. El prestamista excluye del DTI la deuda resubordinada.","r4tour.step4.8.ask":'\xbfQu\xe9 significa "resubordinada" y sabr\xeda si aplica en mi caso?',"r4tour.step4.9.title":"Lo que la agencia de cr\xe9dito no ve","r4tour.step4.9.body":"Las agencias ven la mayor\xeda de las l\xedneas de cr\xe9dito, pero no ven: <strong>pr\xe9stamos familiares, planes de pago del IRS, manutenci\xf3n de hijos, pe

1nsi\xf3n alimenticia, pr\xe9stamos estudiantiles privados que a\xfan no reportan</strong>. Haz clic en <strong>Agregar pasivo</strong> por cada uno: todos cuentan para el DTI aunque sean invisibles en el reporte de cr\xe9dito.","r4tour.step4.9.ask":"Le debo $10K a mi hermano, \xbftengo que declararlo en la solicitud de hipoteca?","r4tour.step5.0.title":"D\xf3nde est\xe1 esta propiedad","r4tour.step5.0.body":"Direcci\xf3n completa de la propiedad: calle, ciudad, estado, c\xf3digo postal. Esta <strong>no</strong> es la propiedad que est\xe1s financiando con este pr\xe9stamo; esa va en el siguiente paso. Enumera cada otra propiedad que poseas.","r4tour.step5.0.ask":"\xbfDebo enumerar las propiedades que poseo en copropiedad con otra persona?","r4tour.step5.1.title":"Cu\xe1nto vale hoy","r4tour.step5.1.body":"Tu mejor estimaci\xf3n del valor de mercado actual (no lo que pagaste). Consulta el Zestimate de Zillow/Redfin o ventas comparables recientes como punto de partida; el prestamista lo confirmar\xe1 con una tasaci\xf3n si es necesario.","r4tour.step5.1.ask":"\xbfC\xf3mo calculo el valor de mi propiedad de alquiler?","r4tour.step5.2.title":"\xbfLa conservas, la vendes o est\xe1 pendiente?","r4tour.step5.2.body":"<strong>Retenida</strong> = la conservas. <strong>Pendiente</strong> = la venta est\xe1 en plica (escrow) pero a\xfan no se ha cerrado. <strong>Vendida</strong> = ya se cerr\xf3. El c\xe1lculo cambia seg\xfan el estado: vender quita la hipoteca de tu DTI; conservar la suma.","r4tour.step5.2.ask":"Mi antiguo condominio est\xe1 en venta pero no bajo contrato — \xbfeso es retenida o pendiente?","r4tour.step5.3.title":"C\xf3mo se usa","r4tour.step5.3.body":"<strong>Principal</strong> = vives all\xed todo el a\xf1o. <strong>Segunda Vivienda</strong> = casa de vacaciones que visitas. <strong>Inversi\xf3n</strong> = alquilada o vacante para alquilar. Las reglas de impuestos y seguros var\xedan; el prestamista lo coteja con tus declaraciones de impuestos.","r4tour.step5.3.ask":"Viv\xed muchos a\xf1os en mi casa anterior y ahora la alquilo — \xbfqu\xe9 tipo de ocupaci\xf3n elijo?","r4tour.step5.4.title":"Costos de mantenimiento","r4tour.step5.4.body":"El impuesto predial mensual + seguro de propietario + cuotas de HOA combinados. Estos cuentan en tu contra en el DTI si conservas la propiedad. Incluso las propiedades pagadas por completo tienen estos costos.","r4tour.step5.4.ask":"Mi factura del impuesto predial es anual — \xbfc\xf3mo obtengo la cifra mensual?","r4tour.step5.5.title":"Ingresos por alquiler (si los hay)","r4tour.step5.5.body":"<strong>Omite si vives en esta propiedad o si est\xe1 vac\xeda.</strong> Si la alquilas, el alquiler mensual bruto aqu\xed puede <strong>ayudarte a calificar</strong> — el prestamista cuenta el <strong>75% del alquiler bruto</strong> como ingreso (el descuento del 25% cubre vacancia + mantenimiento). Necesitas un contrato de arrendamiento firmado o 2 a\xf1os del Anexo E (Schedule E).","r4tour.step5.5.ask":"Alquilo mi s\xf3tano en Airbnb — \xbfeso cuenta como ingreso por alquiler?","r4tour.step5.6.title":"Agregar una hipoteca sobre esta propiedad (opcional)","r4tour.step5.6.body":"<strong>Omite si la propiedad est\xe1 pagada por completo.</strong> De lo contrario, haz clic en <strong>Agregar Hipoteca</strong> para registrar el pr\xe9stamo garantizado por ESTA propiedad (no la nueva que est\xe1s solicitando). Es clave para el DTI — el prestamista suma este pago a tus obligaciones.","r4tour.step5.6.ask":"Tengo una HELOC sobre esta propiedad — \xbfes una entrada separada?","r4tour.step5.6.action.primary":"Agregar una hipoteca","r4tour.step5.6.action.secondary":"Omitir — pagada por completo","r4tour.step5.7.title":"Agregar otra propiedad (opcional)","r4tour.step5.7.body":"<strong>Omite si no tienes ninguna otra propiedad.</strong> Si tienes m\xe1s de una, haz clic en <strong>Agregar Otra Propiedad</strong> por cada una. Incluso las propiedades pagadas por completo importan — el prestamista las ve en los registros de t\xedtulo y quiere explicaciones de cualquier cosa que falte.","r4tour.step5.7.ask":"Hered\xe9 una propiedad de mis abuelos — \xbftengo que incluirla en la lista?","r4tour.step5.7.action.primary":"Agregar otra propiedad","r4tour.step5.7.action.secondary":"Omitir — no hay m\xe1s propiedades","r4tour.step6.0.title":"Cu\xe1nto quieres pedir prestado","r4tour.step6.0.body":"El monto del pr\xe9stamo (no el precio de compra). Para una casa de $500K con 20% de enganche, ingresar\xedas <strong>$400,000</strong>. El l\xedmite conforming en la mayor\xeda de los condados es $766,550 (2024) — por encima de eso entras en territorio jumbo con requisitos m\xe1s estrictos.","r4tour.step6.0.ask":"\xbfCu\xe1l es la diferencia entre el monto del pr\xe9stamo y el precio de compra?","r4tour.step6.1.title":"Lo que crees que vale la casa","r4tour.step6.1.body":"Para una compra, este es tu <strong>precio de oferta</strong>. Para un refinanciamiento, tu mejor estimaci\xf3n del valor de mercado actual. El prestamista ordena un aval\xfao que lo confirma — si sale m\xe1s bajo, podr\xedas necesitar aportar m\xe1s efectivo en el cierre.","r4tour.step6.1.ask":"\xbfQu\xe9 pasa si el aval\xfao sale m\xe1s bajo que mi oferta?","r4tour.step6.2.title":"\xbfComprando o refinanciando?","r4tour.step6.2.body":"Elige <strong>Compra</strong> si est\xe1s comprando una casa nueva. Elige <strong>Refinanciamiento</strong> si ya eres due\xf1o de esta propiedad y quieres reemplazar la hipoteca existente — los refis vienen en variedades (tasa-y-plazo baja tu pago, cash-out te deja sacar plusval\xeda).","r4tour.step6.2.ask":"\xbfQu\xe9 es un refinanciamiento cash-out y cu\xe1ndo conviene?","r4tour.step6.3.title":"Tipo de propiedad","r4tour.step6.3.body":"<strong>Vivienda unifamiliar</strong> = casa independiente. <strong>Condominio</strong> = unidad en un edificio (el prestamista revisar\xe1 el proyecto del condominio). <strong>Casa adosada</strong> = pegada pero eres due\xf1o del terreno. <strong>Multifamiliar</strong> = 2–4 unidades. <strong>Otro</strong> = cualquier cosa inusual (poco com\xfan).","r4tour.step6.3.ask":"Estoy comprando un d\xfaplex y vivir\xe9 en una unidad — \xbfqu\xe9 tipo de propiedad es ese?","r4tour.step6.4.title":"C\xf3mo la usar\xe1s","r4tour.step6.4.body":"<strong>Residencia principal</strong> — mejores tasas, enganche m\xe1s bajo (3.5% FHA, 5% convencional). Nada viene preseleccionado. Cambia a Segunda Vivienda si es una propiedad vacacional (~10% de enganche m\xednimo) o a Propiedad de Inversi\xf3n si la vas a rentar (<strong>25% de enganche + tasa ~0.75% m\xe1s alta</strong>). El prestamista verifica con una revisi\xf3n de residencia despu\xe9s del cierre.","r4tour.step6.4.ask":"\xbfPuedo obtener un pr\xe9stamo de residencia principal si planeo rentarla el pr\xf3ximo a\xf1o?","r4tour.step6.5.title":"Calle y ciudad de la propiedad","r4tour.step6.5.body":"Direcci\xf3n y ciudad de la casa que est\xe1s financiando. Para una construcci\xf3n nueva sin direcci\xf3n definitiva a\xfan, usa la descripci\xf3n de la parcela de tu contrato de compra.","r4tour.step6.5.ask":"Estoy comprando una construcci\xf3n nueva sin n\xfamero de calle todav\xeda — \xbfqu\xe9 ingreso?","r4tour.step6.6.title":"Estado y c\xf3digo postal","r4tour.step6.6.body":"Estado y c\xf3digo ZIP de la propiedad en cuesti\xf3n. Usa el ZIP de 5 d\xedgitos — Unified Loan System resolver\xe1 autom\xe1ticamente el condado y el tract para las b\xfasquedas de HMDA y zona de inundaci\xf3n.","r4tour.step6.6.ask":"\xbfPor qu\xe9 importa mi c\xf3digo ZIP para el pr\xe9stamo?","r4tour.step6.7.title":"Informaci\xf3n de la propiedad — valor estimado","r4tour.step6.7.body":"Una vez que ingreses tu direcci\xf3n, Unified Loan System obtiene <strong>registros p\xfablicos</strong> de la propiedad — incluido el <strong>valor estimado</strong> (estilo Zestimate) m\xe1s el tama\xf1o del lote, a\xf1o de construcci\xf3n, habitaciones/ba\xf1os y la \xfaltima venta. Cruzamos esto con tu <strong>monto del pr\xe9stamo + precio de compra</strong> para que los bloqueos de tasa posteriores se mantengan en un LTV razonable.","r4tour.step6.7.ask":"\xbfDe d\xf3nde provienen estos datos de la propiedad y qu\xe9 tan precisos son?","r4tour.step6.8.t

1itle":"Impuesto predial anual + HOA","r4tour.step6.8.body":"Dos costos que cuentan contra tu DTI: el <strong>impuesto predial anual</strong> (del condado) y las <strong>cuotas de HOA</strong> (estimadas a partir de comparables en tu ZIP). Los prestamistas cuentan ambos en tu pago mensual. Si tu HOA real es m\xe1s alta de lo estimado, tu DTI se aprieta, as\xed que siempre <strong>confirma la HOA en el cierre</strong>.","r4tour.step6.8.ask":"\xbfC\xf3mo afectan el impuesto predial + HOA a mi DTI para calificar?","r4tour.step6.9.title":"Vendidas recientemente cerca","r4tour.step6.9.body":"Estas son <strong>ventas recientes reales</strong> dentro de ~0.5 millas de tu direcci\xf3n — del mismo nivel de habitaciones/ba\xf1os/pies cuadrados donde podemos hacer coincidencia. Los prestamistas usan comparables justo as\xed para <strong>contrastar el aval\xfao</strong>. Si tu precio de compra est\xe1 muy por encima de los comparables locales, espera objeciones en el aval\xfao.","r4tour.step6.9.ask":"\xbfDe d\xf3nde provienen estos comparables y qu\xe9 pasa si mi aval\xfao no coincide?","r4tour.step6.10.title":"\xbfHay un negocio en ella?","r4tour.step6.10.body":"<strong>Omite si tu propiedad es puramente residencial.</strong> Marca esto solo si una parte de la propiedad tiene zonificaci\xf3n comercial (p. ej., una tienda en la planta baja con un apartamento arriba). Trabajar desde una oficina en casa no cuenta. Los pr\xe9stamos de uso mixto necesitan <strong>programas especiales</strong> y una suscripci\xf3n m\xe1s estricta.","r4tour.step6.10.ask":"Trabajo desde casa — \xbfeso la convierte en uso mixto?","r4tour.step6.11.title":"\xbfCasa prefabricada / m\xf3vil?","r4tour.step6.11.body":"<strong>Omite si est\xe1s comprando una casa tradicional construida en el sitio.</strong> Marca solo para casas prefabricadas/m\xf3viles hechas en f\xe1brica (NO modulares — esas tambi\xe9n se hacen en f\xe1brica pero sobre cimientos permanentes y se consideran tradicionales). Las casas prefabricadas necesitan <strong>programas de pr\xe9stamo espec\xedficos</strong> (FHA Title I/II, Freddie ChoiceHome).","r4tour.step6.11.ask":"\xbfC\xf3mo s\xe9 si una casa es prefabricada o modular?","r4tour.step6.12.title":"\xbfComprador de vivienda por primera vez?","r4tour.step6.12.body":"<strong>Omite si has sido due\xf1o de una vivienda principal en los \xfaltimos 3 a\xf1os.</strong> Marca si no — el estatus de comprador por primera vez es generoso (solo 3 a\xf1os desde tu \xfaltima vivienda principal) y desbloquea <strong>programas de asistencia para el pago inicial + PMI reducido</strong> en pr\xe9stamos convencionales. Vale la pena aprovecharlo.","r4tour.step6.12.ask":"Tuve una casa hace 10 a\xf1os — \xbfsigo siendo comprador de vivienda por primera vez?","r4tour.step6.13.title":"\xbfOtro pr\xe9stamo sobre la misma propiedad?","r4tour.step6.13.body":"<strong>

1La mayor\xeda de los prestatarios dejan esto en $0.</strong> Ingrese un monto solo si va a hacer una <strong>segunda hipoteca piggyback</strong> (un segundo pr\xe9stamo para evitar el PMI en la primera) o si ya tiene un HELOC en la propiedad que est\xe1 refinanciando.","r4tour.step6.13.ask":"\xbfQu\xe9 es un pr\xe9stamo piggyback y por qu\xe9 querr\xeda tener uno?","r4tour.step6.14.title":"Renta esperada de esta propiedad","r4tour.step6.14.body":"<strong>Omita si la ocupaci\xf3n no es Propiedad de Inversi\xf3n.</strong> Si lo es, esto importa: el prestamista cuenta el <strong>75% de la renta bruta estimada</strong> como ingreso compensatorio (el descuento del 25% cubre la vacancia y el mantenimiento), y puede ser la diferencia entre calificar o no.","r4tour.step6.14.ask":"\xbfC\xf3mo me ayuda el ingreso por renta a calificar en una propiedad de inversi\xf3n?","r4tour.step6.15.title":"Cuotas mensuales de HOA","r4tour.step6.15.body":"<strong>Omita si la propiedad no tiene HOA.</strong> Si la tiene, las cuotas mensuales se suman a su pago de vivienda (PITI + HOA) y afectan su DTI. Encuentre el monto en el anuncio de la propiedad o en la divulgaci\xf3n del vendedor; si no est\xe1 seguro, d\xe9jelo en blanco y el corredor lo confirmar\xe1.","r4tour.step6.15.ask":"Mi condominio tiene evaluaciones especiales adem\xe1s de las cuotas regulares de HOA, \xbfqu\xe9 ingreso?","r4tour.step7.0.title":"\xbfVivir\xe1 aqu\xed?","r4tour.step7.0.body":"Decir S\xed = pr\xe9stamo para residencia principal (mejores tasas, menor pago inicial). Decir No = inversi\xf3n o segunda vivienda (tasa m\xe1s alta, m\xe1s pago inicial). El prestamista lo verifica con una revisi\xf3n de ocupaci\xf3n despu\xe9s del cierre; mentir aqu\xed es <strong>fraude de ocupaci\xf3n</strong>.","r4tour.step7.0.ask":"Planeo mudarme con el tiempo, pero primero la rentar\xe9 por un a\xf1o, \xbfqu\xe9 respondo?","r4tour.step7.1.title":"\xbfConoce personalmente al vendedor?","r4tour.step7.1.body":'Un familiar, socio comercial o v\xednculo cercano con el vendedor hace que esta sea una <strong>transacci\xf3n entre partes relacionadas</strong>. El prestamista necesita un escrutinio adicional del aval\xfao y una carta de "regalo de plusval\xeda" si el vendedor le otorga un descuento.',"r4tour.step7.1.ask":"Voy a comprar la casa de mis padres con descuento, \xbfeso afecta el pr\xe9stamo?","r4tour.step7.2.title":"\xbfEst\xe1 pidiendo prestado dinero que no nos ha contado?","r4tour.step7.2.body":'Esto detecta <strong>pr\xe9stamos no divulgados para el pago inicial</strong> de familiares, cr\xe9ditos del vendedor, un "pr\xe9stamo de un amigo", etc. El t\xedtulo y el prestamista vuelven a verificar las fuentes de efectivo antes del cierre. Un "no" que debi\xf3 ser "s\xed" puede deshacer el pr\xe9stamo despu\xe9s del cierre.',"r4tour.step7.2.ask":"\xbfPueden mis padres prestarme el pago inicial sin divulgarlo?","r4tour.step7.3.title":"\xbfTambi\xe9n est\xe1 solicitando otra hipoteca?","r4tour.step7.3.body":"Si est\xe1 solicitando una segunda hipoteca en otro lugar antes de que esta cierre, diga que s\xed. Los prestamistas suman los pagos a su <strong>DTI</strong>, incluso si el otro pr\xe9stamo a\xfan no se ha desembolsado. Ocultarlo aparece en la actualizaci\xf3n de cr\xe9dito antes del cierre.","r4tour.step7.3.ask":"Estoy preaprobado con dos prestamistas, \xbfdebo divulgar ambos?","r4tour.step7.4.title":"\xbfVa a abrir nuevo cr\xe9dito antes del cierre?","r4tour.step7.4.body":"Los prestamistas <strong>vuelven a consultar tu cr\xe9dito unos d\xedas antes del cierre</strong>. Abrir una tarjeta de cr\xe9dito nueva, financiar un sof\xe1 o solicitar un pr\xe9stamo de auto en ese per\xedodo puede bajar tu puntaje y reactivar el proceso de underwriting. La respuesta m\xe1s f\xe1cil: no abras cr\xe9dito nuevo entre la solicitud y el cierre.","r4tour.step7.4.ask":"Necesito un auto nuevo ahora mismo, \xbfdeber\xeda esperar hasta despu\xe9s del cierre?","r4tour.step7.5.title":"\xbfHay alg\xfan gravamen prioritario sobre esta propiedad?","r4tour.step7.5.body":"Un gravamen prioritario = algo que tiene prioridad sobre tu nueva hipoteca en el t\xedtulo (gravamen f

1iscal, gravamen de mec\xe1nicos, cuota de la HOA, pr\xe9stamo PACE). Debe resolverse antes del cierre. La mayor\xeda de los prestatarios responde No.","r4tour.step7.5.ask":"\xbfQu\xe9 es un pr\xe9stamo PACE y c\xf3mo s\xe9 si la propiedad tiene uno?","r4tour.step7.6.title":"\xbfEres cofirmante del pr\xe9stamo de otra persona?","r4tour.step7.6.body":"Si cofirmaste el pr\xe9stamo estudiantil de un hijo o el pr\xe9stamo de auto de un hermano, eres responsable aunque no pagues. Cuenta como <strong>pasivo contingente</strong> en el DTI, a menos que puedas comprobar que el prestatario principal ha pagado a tiempo durante 12 meses.","r4tour.step7.6.ask":"Cofirm\xe9 los pr\xe9stamos estudiantiles de mi hija, \xbfeso perjudica mi hipoteca?","r4tour.step7.7.title":"\xbfTienes alg\xfan fallo judicial pendiente?","r4tour.step7.7.body":"Un fallo = un tribunal te orden\xf3 pagar algo (reclamos menores, saldo de un acuerdo de divorcio, etc.). Los fallos sin pagar suelen tener que liquidarse antes del cierre. Los registros de la corte civil son p\xfablicos; el prestamista los encontrar\xe1.","r4tour.step7.7.ask":"Tengo un fallo de reclamos menores de hace a\xf1os, \xbftengo que pagarlo?","r4tour.step7.8.title":"\xbfEst\xe1s atrasado en alguna deuda federal?","r4tour.step7.8.body":"<strong>Motivo de rechazo autom\xe1tico</strong> en la mayor\xeda de los programas de pr\xe9stamo. Pr\xe9stamos estudiantiles federales en mora, impuestos atrasados del IRS sin un plan de pago, atrasos en la manutenci\xf3n de hijos, pr\xe9stamos federales para peque\xf1as empresas en mora. Primero ponte en un plan de pago documentado.","r4tour.step7.8.ask":"Estoy en un plan de pago basado en ingresos para mis pr\xe9stamos estudiantiles, \xbfestoy en mora?","r4tour.step7.9.title":"\xbfEst\xe1s en alguna demanda donde podr\xedas deber dinero?","r4tour.step7.9.body":"Una demanda civil activa en la que eres el demandado y podr\xedas ser responsable econ\xf3micamente. No incluye divorcios, a menos que haya un asunto de dinero en disputa pendiente. Demandar a otra persona (como demandante) no cuenta.","r4tour.step7.9.ask":"Estoy en un divorcio, \xbfeso cuenta como una demanda en este formulario?","r4tour.step7.10.title":"\xbfPerdiste una propiedad por ejecuci\xf3n hipotecaria en los \xfaltimos 7 a\xf1os?","r4tour.step7.10.body":"Incluye la daci\xf3n en pago, la venta corta (short sale) y la ejecuci\xf3n hipotecaria tradicional. La mayor\xeda de los programas de pr\xe9stamo exigen <strong>

17 a\xf1os</strong> desde el evento (menos si hay circunstancias atenuantes documentadas, como una dificultad m\xe9dica).","r4tour.step7.10.ask":"Hice una venta corta hace 5 a\xf1os, \xbftodav\xeda puedo obtener una hipoteca?","r4tour.step7.11.title":"\xbfTe declaraste en bancarrota en los \xfaltimos 7 a\xf1os?","r4tour.step7.11.body":"Incluye los Cap\xedtulos 7, 11, 12 y 13. <strong>Si responde que s\xed, le preguntaremos cu\xe1l cap\xedtulo.</strong> Los per\xedodos de espera var\xedan: Cap\xedtulo 7 = 4 a\xf1os (FHA: 2). Cap\xedtulo 13 = 2 a\xf1os desde la cancelaci\xf3n, o 1 a\xf1o de pagos completados + aprobaci\xf3n judicial.","r4tour.step7.11.ask":"Me declar\xe9 en quiebra bajo el Cap\xedtulo 13 hace tres a\xf1os y ya est\xe1 cancelada, \xbfpuedo calificar?","r4tour.step7.12.title":"Explique cualquier respuesta afirmativa","r4tour.step7.12.body":"<strong>Omita esto si respondi\xf3 No a todo.</strong> Si respondi\xf3 S\xed a alguna declaraci\xf3n, le <strong>recomendamos encarecidamente</strong> redactar su explicaci\xf3n aqu\xed: unas pocas oraciones por cada caso — qu\xe9 pas\xf3, cu\xe1ndo y el estado actual (pagado / en plan de pagos / pendiente). De todos modos, el prestamista necesitar\xe1 una carta de explicaci\xf3n formal; este borrador le da un punto de partida.","r4tour.step7.12.ask":"\xbfQu\xe9 tan detallada debe ser mi carta de explicaci\xf3n?","r4tour.step8.0.title":"Reconocimientos y acuerdos","r4tour.step8.0.body":"Este es el <strong>apret\xf3n de manos legal</strong> antes de enviar su solicitud. Seis puntos numerados: (1) la informaci\xf3n que proporcion\xf3 es verdadera, (2) la propiedad respalda el pr\xe9stamo, (3) la tasaci\xf3n es para el prestamista, (4) acepta firmar electr\xf3nicamente, (5) los pagos atrasados afectan su cr\xe9dito, (6) autoriza al prestamista a verificar su informaci\xf3n. Lea cada uno y luego marque la casilla al final para continuar. Mentir en una solicitud de hipoteca es un delito federal (18 U.S.C. \xa7 1014), as\xed que t\xf3mese su tiempo.","r4tour.step8.0.ask":"\xbfA qu\xe9 estoy aceptando realmente cuando marco esta casilla?","r4tour.step9.0.title":"\xbfSirvi\xf3 usted (o su c\xf3nyuge fallecido) en las fuerzas armadas?","r4tour.step9.0.body":"Los veteranos y los miembros del servicio en servicio activo califican para <strong>pr\xe9stamos VA</strong> con $0 de enganche, sin PMI y con tasas competitivas. Hasta un solo d\xeda de servicio calificado cuenta. Los c\xf3nyuges sobrevivientes de miembros del servicio que fallecieron en servicio tambi\xe9n califican.","r4tour.step9.0.ask":"Serv\xed 2 a\xf1os en la Guardia Nacional, \xbfcalifico para un pr\xe9stamo VA?","r4tour.step9.1.title":"\xbfEst\xe1 actualmente en servicio activo?","r4tour.step9.1.body":"Marque esto si actualmente est\xe1 sirviendo: <strong>fortalece</strong> la elegibilidad para el pr\xe9stamo VA, y el prestamista necesitar\xe1 una Constancia de Servicio (Statement of Service) actual adem\xe1s de su DD-214.","r4tour.step9.1.ask":"\xbfNecesito mi DD-214 si todav\xeda estoy en servicio activo?","r4tour.step9.2.title":"\xbfEs c\xf3nyuge sobreviviente de un miembro del servicio?","r4tour.step9.2.body":"Si su c\xf3nyuge falleci\xf3 en servicio o por una discapacidad relacionada con el servicio, puede usar su beneficio VA — requiere un Certificado de Elegibilidad (Certificate of Eligibility) especial del VA para c\xf3nyuges sobrevivientes. Su corredor puede ayudarle a solicitarlo.","r4tour.step9.2.ask":"\xbfC\xf3mo obtengo un Certificado de Elegibilidad del VA como c\xf3nyuge sobreviviente?","r4tour.step9.3.title":"Por qu\xe9 pedimos datos demogr\xe1ficos","r4tour.step9.3.body":"La ley federal (<strong>HMDA</strong>, la Ley de Divulgaci\xf3n de Hipotecas para Viviendas) exige que los prestamistas pregunten. <strong>Responder es opcional</strong> — negarse no afectar\xe1 su solicitud, su tasa ni sus probabilidades de aprobaci\xf3n. Los datos se reportan de forma agregada para vigilar el cumplimiento de los pr\xe9stamos justos, nunca se usan para decidir su pr\xe9stamo.","r4tour.step9.3.ask":"\xbfPor qu\xe9 las solicitudes de hipoteca preguntan sobre mi raza y origen \xe9tnico?","r4tour.step9.4.title":"Origen \xe9tnico","r4tour.step9.4.body":"Elige una opci\xf3n: <em>Hispano o Latino</em>, <em>No hispano o latino</em>, o <em>Prefiero no responder</em>. Si seleccionas Hispano o Latino, se te pedir\xe1 especificar (mexicano, puertorrique\xf1o, cubano u otro hispano).","r4tour.step9.4.ask":"\xbfC\xf3mo respondo la etnicidad si tengo herencia mixta?","r4tour.step9.5.title":"Sexo","r4tour.step9.5.body":'Tres opciones: Masculino, Femenino o "Prefiero no responder." A efectos de HMDA, esto se define federalmente como el sexo asignado al nacer, no como una declaraci\xf3n de identidad de g\xe9nero.',"r4tour.step9.5.ask":"\xbfQu\xe9 pasa si mi identidad de g\xe9nero difiere del sexo que me asignaron al nacer?","r4tour.step9.6.title":"Raza","r4tour.step9.6.body":'<strong>Marca todas las que apliquen.</strong> Algunas categor\xedas tienen subopciones (Asi\xe1tico → Chino/Japon\xe9s/Coreano/etc.; Isle\xf1o del Pac\xedfico → Nativo de Haw\xe1i/Samoano/etc.). Ind\xedgena americano o nativo de Alaska pide el nombre de la tribu. Tambi\xe9n hay una opci\xf3n de "Prefiero no responder".',"r4tour.step9.6.ask":"Soy multirracial: \xbfmarco m\xe1s de una casilla?","r4tour.step9.7.title":"Qu\xe9 hacemos con estos datos","r4tour.step9.7.body":"Los prestamistas env\xedan datos HMDA agregados cada a\xf1o a la CFPB. Los datos rastrean <strong>

1patrones de pr\xe9stamos justos</strong>: si a un grupo se le niega con m\xe1s frecuencia, recibe peores tasas, etc. La CFPB y los periodistas los usan para detectar discriminaci\xf3n. Tus respuestas individuales nunca se publican.","r4tour.step9.7.ask":"\xbfD\xf3nde puedo ver los datos HMDA despu\xe9s de que cierre mi pr\xe9stamo?","r4tour.step10.0.title":"Consentimiento de Firma Electr\xf3nica","r4tour.step10.0.body":"Est\xe1s aceptando recibir divulgaciones y firmar documentos del pr\xe9stamo de forma <strong>electr\xf3nica</strong> en lugar de en papel. Seg\xfan la <em>E-Sign Act</em>, las firmas electr\xf3nicas son legalmente equivalentes. Puedes retirar esto en cualquier momento, pero retirarlo tarde puede retrasar el cierre.","r4tour.step10.0.ask":"\xbfQu\xe9 le hace a mi solicitud retirar el consentimiento de firma electr\xf3nica?","r4tour.step10.1.title":"Autorizaci\xf3n de Cr\xe9dito","r4tour.step10.1.body":"Est\xe1s permitiendo que tu corredor obtenga un informe de cr\xe9dito a trav\xe9s del prestamista mayorista. Esto suele ser una <strong>consulta dura (hard pull)</strong> en esta etapa (la consulta suave fue para el prellenado de pasivos anterior). Las consultas duras bajan tu puntaje de 3 a 5 puntos durante ~12 meses, pero varias consultas hipotecarias dentro de <strong>14 d\xedas</strong> cuentan como una.","r4tour.step10.1.ask":"\xbfCu\xe1l es la diferencia entre la consulta suave y la consulta dura en mi cr\xe9dito?","r4tour.step10.2.title":"T\xe9rminos de Servicio","r4tour.step10.2.body":"Est\xe1s certificando que la informaci\xf3n que proporcionaste es verdadera y aceptando los T\xe9rminos de Servicio + la Pol\xedtica de Privacidad de la plataforma. El enlace de los T\xe9rminos est\xe1 en el pie de p\xe1gina; l\xe9elos una vez si a\xfan no lo has hecho.","r4tour.step10.2.ask":"\xbfD\xf3nde encuentro los T\xe9rminos de Servicio completos?","r4tour.step10.3.title":"Notificaciones por SMS opcionales","r4tour.step10.3.body":"<strong>Omite esto si prefieres recibir solo correos electr\xf3nicos.</strong> Tres categor\xedas opcionales: <em>Seguridad y autenticaci\xf3n</em> (c\xf3digos 2FA), <em>Estado del pr\xe9stamo y novedades operativas</em> (notificaciones de estado) y <em>Recordatorios de documentos, cierre y firma electr\xf3nica</em>. Marca cualquier combinaci\xf3n: ninguna es obligatoria. Pueden aplicarse tarifas por mensajes y datos. Responde <strong>STOP</strong> para darte de baja en cualquier momento.","r4tour.step10.3.ask":"Si marco estas opciones, \xbfrecibir\xe9 mensajes de texto de marketing o solo actualizaciones de estado?","r4tour.cfg.dashboard.0.title":"Bienvenido al centro de control","r4tour.cfg.dashboard.0.body":'<p class="vt-summary">Este es tu panel: el \xfanico lugar para hacer seguimiento de todo lo relacionado con tu pr\xe9stamo, desde la solicitud hasta tener las llaves en mano.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Qu\xe9 puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Estado del pr\xe9stamo en vivo</strong><span>Etapa, hoy vs. lo esperado, obst\xe1culo actual</span></li><li><strong>Solicitudes pendientes</strong><span>Todo lo que necesitamos de ti, lo m\xe1s antiguo primero</span></li><li><strong>Progreso de proveedores</strong><span>Seis carriles (cr\xe9dito, tasaci\xf3n, t\xedtulo…) con tiempos estimados</span></li><li><strong>Centro de documentos</strong><span>Sube, rastrea y verifica todo en un solo lugar</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Primero destacaremos cada elemento de esta p\xe1gina y luego recorreremos el resto del sitio (tasas, calculadoras, solicitud, documentos, opciones, configuraci\xf3n).</span>\n        </div>\n        <p class="vt-next-hint">Haz clic en <strong>Siguiente</strong> para ver el panel de estado de tu pr\xe9stamo.</p>',"r4tour.cfg.dashboard.1.title":"El estado de tu pr\xe9stamo","r4tour.cfg.dashboard.1.body":'<p class="vt-summary">Una sola tarjeta, el panorama completo: d\xf3nde est\xe1 tu pr\xe9stamo, qui\xe9n est\xe1 retrasando las cosas y qu\xe9 tan al d\xeda vas.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Qu\xe9 puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Anillo de progreso</strong><span>Porcentaje completado de 8 hitos</span></li><li><strong>Barra de cronolog\xeda</strong><span>Cada etapa con estado alcanzado / activo / pr\xf3ximo</span></li><li><strong>Marcadores de ritmo</strong><span>Rojo = promedio. \xc1mbar = d\xf3nde est\xe1s T\xda.</span></li><li><strong>Recuadros de conteo</strong><span>Profundiza en en progreso / completado / requiere atenci\xf3n</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.2.title":"Puntaje de salud del pr\xe9stamo","r4tour.cfg.dashboard.2.body":'<p class="vt-summary">Una lectura r\xe1pida de c\xf3mo va tu expediente: puntaje sobre 100, adem\xe1s del tono de la franja (al d\xeda, requiere atenci\xf3n o acci\xf3n requerida) y qu\xe9 est\xe1 bajando el puntaje.</p>\n        \n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Consejo</span>\n            <span>Si ves "requiere atenci\xf3n", tu victoria m\xe1s r\xe1pida suele ser resolver la solicitud pendiente m\xe1s antigua: esas envejecen hasta volverse "vencidas" y son la raz\xf3n #1 por la que los pr\xe9stamos no llegan a su fecha de cierre.</span>\n        </div>',"r4tour.cfg.dashboard.3.title":"Tu oficial de pr\xe9stamos","r4tour.cfg.dashboard.3.body":'<p class="vt-summary">Verifica que este sea el LO con quien has estado trabajando. Es tu contacto directo para cualquier cosa que requiera atenci\xf3n humana: tasas, escenarios, condiciones, casos poco comunes.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Si el nombre o los datos de contacto se ven incorrectos, escr\xedbenos mediante el bot\xf3n de chat en la parte inferior del panel y reasignaremos.</span>\n        </div>',"r4tour.cfg.dashboard.4.title":"Agregar un coprestatario","r4tour.cfg.dashboard.4.body":'<p class="vt-summary">\xbfEst\xe1s comprando o refinanciando con tu c\xf3nyuge o pareja? Inv\xedtalos aqu\xed. Recibir\xe1n un correo con un enlace seguro para completar su propia mitad del 1003, sin necesidad de compartir tu inicio de sesi\xf3n.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Qu\xe9 puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Invitaci\xf3n por correo</strong><span>Se env\xeda de inmediato; el enlace caduca a los 7 d\xedas</span></li><li><strong>Su propio inicio de sesi\xf3n</strong><span>Inician sesi\xf3n con su correo + una contrase\xf1a que ellos eligen</span></li><li><strong>T\xfa mantienes el control</strong><span>Puedes ver su estado, reenviar la invitaci\xf3n o revocar el acceso</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.5.title":"Y la vista de Etapas","r4tour.cfg.dashboard.5.body":'<p class="vt-summary">El mismo pr\xe9stamo, una fase a la vez. Desliza (o toca) entre Solicitud → Precios → Procesamiento → Suscripci\xf3n → Condiciones → Listo para Cerrar y ve qu\xe9 est\xe1 pasando y qu\xe9 se espera en cada paso.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Acabamos de reproducir la secuencia completa, as\xed que ya viste las seis. Ahora hagamos una pausa en las dos etapas que m\xe1s trabajo requieren de ti: precios y procesamiento.</span>\n        </div>',"r4tour.cfg.dashboard.6.title":"Precios: tu mejor tasa, en vivo","r4tour.cfg.dashboard.6.body":'<p class="vt-summary">Una vez que tu solicitud est\xe9 lista, extraemos precios en vivo de todos los prestamistas mayoristas de la red de tu corredor y mostramos la \xfanica mejor opci\xf3n para tu escenario. Aqu\xed es de solo lectura; el bloqueo de tasa ocurre del lado del corredor.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Qu\xe9 puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Banner de la mejor tasa</strong><span>La oferta m\xe1s competitiva para tu expediente en este momento</span></li><li><strong>P&I mensual</strong><span>Capital + inter\xe9s, calculado con esta tasa sobre tu monto de pr\xe9stamo</span></li><li><strong>Puntos de descuento</strong><span>Si el mejor precio es a la par o incluye una reducci\xf3n de tasa</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Las tasas cambian a diario, a veces durante el mismo d\xeda. Si ves una que te gusta, escr\xedbele a tu oficial de pr\xe9stamos para bloquearla. Actualizamos esta tarjeta cada vez que se actualiza la hoja mayorista.</span>\n        </div>',"r4tour.cfg.dashboard.7.title":"Arrastra y suelta tus documentos","r4tour.cfg.dashboard.7.body":'<p class="vt-summary">Este es el coraz\xf3n del procesamiento. Suelta cualquier documento en cualquier parte de esta zona y nuestra IA lo categoriza autom\xe1ticamente: los talones de pago van a Ingresos, los estados de cuenta bancarios van a Activos, el contrato de compra va a Propiedad. No tienes que etiquetar nada.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Qu\xe9 puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Soltar varios archivos</strong><span>Arrastra una carpeta entera de una vez: los ordenamos todos</span></li><li><strong>Reconocimiento autom\xe1tico</strong><span>El OCR lee cada p\xe1gina y determina qu\xe9 es</span></li><li><strong>Las subidas desde el tel\xe9fono funcionan</strong><span>Toma una foto y arr\xe1strala desde tu carrete</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Consejo</span>\n            <span>Los estados de cuenta bancarios DEBEN incluir todas las p\xe1ginas (s\xed, incluso las p\xe1ginas en blanco al final): el prestamista rechaza los estados de cuenta incompletos. La IA te avisar\xe1 si detecta que falta alguna p\xe1gina.</span>\n        </div>',"r4tour.cfg.dashboard.8.title":"Seguro de propietario: ati\xe9ndelo cuanto antes","r4tour.cfg.dashboard.8.body":'<p class="vt-summary">Necesitamos pronto los datos de contacto de tu agente de seguro de propietario para que el prestamista pueda solicitar la p\xe1gina de declaraciones antes de que la suscripci\xf3n se apruebe. La falta de esto es la raz\xf3n m\xe1s com\xfan por la que los pr\xe9stamos no llegan a su fecha de cierre.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Si a\xfan no tienes agente, p\xeddele recomendaciones a tu oficial de pr\xe9stamos: trabajan con aseguradoras todo el tiempo y por lo general pueden conseguirte una cotizaci\xf3n competitiva en uno o dos d\xedas.</span>\n        </div>',"r4tour.cfg.dashboard.9.title":"Necesita tu atenci\xf3n","r4tour.cfg.dashboard.9.body":'<p class="vt-summary">Esta es tu lista de tareas pendientes. Todo lo que aparece aqu\xed est\xe1 esperando por TI: por lo general, divulgaciones que requieren tu firma (Loan Estimate, Closing Disclosure, etc.) o documentos que el prestamista marc\xf3 como faltantes.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Atiende esto primero cada vez que llegues aqu\xed. El prestamista pausa la suscripci\xf3n de cualquier expediente con firmas vencidas.</span>\n        </div>',"r4tour.cfg.dashboard.10.title":"Cada documento que te solicitamos","r4tour.cfg.dashboard.10.body":'<p class="vt-summary">Debajo de la fila de tareas ver\xe1s columnas para cada categor\xeda que necesitamos: Identidad, Ingresos, Activos, Propiedad, Divulgaciones. Cada documento est\xe1 marcado como completo (verde) o esperando por ti (\xe1mbar). Necesitamos TODOS antes de que pueda correr la suscripci\xf3n.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Si no sabes qu\xe9 significa una solicitud (p. ej. "dos meses de estados de cuenta bancarios: todas las p\xe1ginas"), toca el documento y te mostraremos ejemplos en lenguaje sencillo de lo que cuenta.</span>\n        </div>',"r4tour.cfg.dashboard.11.title":"\xbfAtascado? Preg\xfantale a una persona.","r4tour.cfg.dashboard.11.body":'<p class="vt-summary">\xbfHay documentos que te confunden? No lo dejes pasar: tu oficial de pr\xe9stamos o tu corredor con licencia pueden resolver casi cualquier duda en un solo mensaje.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>La rapidez de respuesta es el mejor indicador de un cierre a tiempo. Los prestatarios que responden en 4 horas cierran ~9 d\xedas m\xe1s r\xe1pido en promedio que quienes responden en 48.</span>\n        </div>\n        <p class="vt-next-hint">Haz clic en <strong>Siguiente</strong> para continuar a las tasas en vivo de hoy.</p>',"r4tour.cfg.rates.0.title":"Tasas hipotecarias de hoy","r4tour.cfg.rates.0.body":'<p class="vt-summary">Tasas del canal mayorista actualizadas a diario desde la hoja de tasas de tu corredor. Estos son los n\xfameros reales con los que se cotizar\xe1 tu pr\xe9stamo, no las tasas promocionales que ves en Google.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Precios por programa</strong><span>Convencional, FHA, VA, USDA, jumbo, ARM</span></li><li><strong>Tasa vs. APR</strong><span>El APR incluye cargos + puntos, as\xed que es el costo m\xe1s real</span></li><li><strong>Actualizaciones en vivo</strong><span>Las tasas pueden cambiar dos veces al d\xeda en mercados vol\xe1tiles</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Consejo</span>\n            <span>Compara por APR, no por tasa. Dos pr\xe9stamos con la misma tasa de 6.500% pueden tener APR muy distintos, y el de mayor APR cuesta m\xe1s a lo largo de la vida del pr\xe9stamo.</span>\n        </div>',"r4tour.cfg.rates.1.title":"La tabla de comparaci\xf3n de tasas","r4tour.cfg.rates.1.body":'<p class="vt-summary">Cada fila es un programa de pr\xe9stamo. Cada columna es algo que deber\xedas comparar antes de elegir.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Tasa</strong><span>El inter\xe9s que se cobra sobre el saldo del pr\xe9stamo</span></li><li><strong>APR</strong><span>Tasa + cargos + puntos, expresado como un solo % anual</span></li><li><strong>Puntos</strong><span>Cargo opcional por adelantado para bajar tu tasa (1 pt = 1% del monto del pr\xe9stamo)</span></li><li><strong>P&I mensual estimado</strong><span>Solo capital + inter\xe9s; impuestos/seguro/HOA se suman aparte</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">\n            <span class="vt-example-label">Ejemplo</span>\n            <span>Un fijo a 30 a\xf1os al 6.875% con 0 puntos vs. 6.500% con 2 puntos: el pr\xe9stamo de 2 puntos solo conviene si lo conservas m\xe1s all\xe1 del punto de equilibrio (~5-7 a\xf1os).</span>\n        </div>',"r4tour.cfg.rates.2.title":"Configura una alerta de tasa","r4tour.cfg.rates.2.body":'<p class="vt-summary">Dinos tu tasa objetivo y te enviaremos un correo en cuanto cualquier programa baje a ella. Sin ruido diario, solo la notificaci\xf3n que importa.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Los corredores ven a miles de prestatarios vigilando las tasas. Configurar una alerta es la forma m\xe1s segura de captar una baja sin pasarte el d\xeda mirando la p\xe1gina.</span>\n        </div>',"r4tour.cfg.rates.3.title":"Bloqu\xe9ala cuando est\xe9s listo","r4tour.cfg.rates.3.body":'<p class="vt-summary">Bloquear una tasa te protege de los aumentos de tasa mientras tu expediente termina. Los per\xedodos de bloqueo est\xe1ndar son de 15, 30, 45 o 60 d\xedas.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Bloquear demasiado pronto</strong><span>Pagas un cargo de re-bloqueo si tu expediente se pasa del bloqueo</span></li><li><strong>Bloquear demasiado tarde</strong><span>Asumes cualquier aumento de tasa entre ahora y el cierre</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>La mayor\xeda de los pr\xe9stamos se bloquean entre 30 y 45 d\xedas antes del cierre previsto. Tu corredor te recomendar\xe1 una ventana espec\xedfica seg\xfan tu expediente.</span>\n        </div>',"r4tour.cfg.rates.4.title":"Consejo experto: habla con tu LO","r4tour.cfg.rates.4.body":'<p class="vt-summary">Las tablas de tasas no pueden decirte qu\xe9 programa es el adecuado para tu expediente. Tu oficial de pr\xe9stamos s\xed: ve todas las restricciones (DTI, LTV, ocupaci\xf3n, cr\xe9dito, reservas) a la vez.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Si dudas entre VA, FHA, convencional o un ARM, env\xedale a tu LO un mensaje describiendo tus metas (\xbfpago m\xe1s bajo? \xbfplazo m\xe1s corto? \xbfretiro de efectivo?) y te explicar\xe1 las ventajas y desventajas en lenguaje sencillo.</span>\n        </div>',"r4tour.cfg.rates.5.title":"Siguiente: calculadoras","r4tour.cfg.rates.5.body":'<p class="vt-summary">Tres herramientas para planificar en torno a las tasas que acabas de ver.</p>\n        \n        \n        \n        <p class="vt-next-hint">Haz clic en <strong>Siguiente</strong> para ir all\xe1.</p>',"r4tour.cfg.calculators.0.title":"Calculadoras hipotecarias","r4tour.cfg.calculators.0.body":'<p class="vt-summary">Tres verificaciones r\xe1pidas basadas en las mismas matem\xe1ticas que usa tu oficial de pr\xe9stamos. Ajusta cualquier dato y ver\xe1s cada n\xfamero dependiente actualizarse al instante.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Pago mensual</strong><span>Capital + inter\xe9s + impuestos + seguro + HOA (PITIA)</span></li><li><strong>Capacidad de compra</strong><span>Precio de compra m\xe1ximo para tus ingresos, deuda y enganche</span></li><li><strong>ROI de refinanciamiento</strong><span>Punto de equilibrio en un refinanciamiento de tasa y plazo</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Consejo</span>\n            <span>Cada calculadora tiene un glosario al final que explica los t\xe9rminos en lenguaje sencillo: \xfatil si "DTI inicial" o "LTV" te marea.</span>\n        </div>',"r4tour.cfg.calculators.1.title":"Cambia de pesta\xf1a en la parte superior","r4tour.cfg.calculators.1.body":'<p class="vt-summary">Cada calculadora tiene su propia pesta\xf1a. La explicaci\xf3n en la parte superior de cada pesta\xf1a te dice qu\xe9 calcula y cu\xe1ndo usarla.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">Ejemplo</span>\n            <span>Usa Capacidad de compra antes de hacer una oferta ("\xbfqu\xe9 puedo pagar?"). Usa Pago mensual despu\xe9s ("\xbfcu\xe1nto cuesta esta casa?"). Usa ROI de refinanciamiento para decidir si vale la pena refinanciar tu pr\xe9stamo actual.</span>\n        </div>\n        \n        <p class="vt-next-hint">Pr\xf3xima parada: la solicitud 1003.</p>',"r4tour.cfg.apply.0.title":"La solicitud hipotecaria 1003","r4tour.cfg.apply.0.body":'<p class="vt-summary">El Formulario 1003 es la solicitud est\xe1ndar que usa todo prestamista en EE. UU. La dividimos en 10 pasos cortos de asistente para que puedas completarla en tu tel\xe9fono de una sola vez.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Datos del prestatario, direcci\xf3n, contacto</strong><span>Paso 1 — tus datos b\xe1sicos + un escaneo r\xe1pido de ID si quieres</span></li><li><strong>Empleo + ingresos</strong><span>Paso 2 — historial de 2 a\xf1os, trabajo actual, ingreso mensual</span></li><li><strong>Activos + pasivos</strong><span>Pasos 3-4 — cuentas bancarias, tarjetas de cr\xe9dito, pr\xe9stamos</span></li><li><strong>Detalles de propiedad + pr\xe9stamo</strong><span>Paso 6 — qu\xe9 est\xe1s comprando, cu\xe1nto necesitas</span></li><li><strong>Declaraciones + consentimiento</strong><span>Pasos 7-10 — preguntas legales + autorizaci\xf3n de firma electr\xf3nica</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>El autoguardado funciona cada 1.5 s — puedes cerrar la pesta\xf1a cuando quieras y continuar justo donde lo dejaste.</span>\n        </div>',"r4tour.cfg.apply.1.title":"Guarda cuando quieras \xb7 navega libremente","r4tour.cfg.apply.1.body":'<p class="vt-summary">La barra de progreso de arriba rastrea cada paso. Puedes ir hacia atr\xe1s para corregir algo, hacia adelante para ver qu\xe9 viene, o guardar y salir para terminar m\xe1s tarde.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Indicador de autoguardado</strong><span>La etiqueta "Guardado" arriba a la derecha te dice que la nube tiene todo</span></li><li><strong>Saltar a un paso</strong><span>Haz clic en cualquier \xedcono de paso en la barra para navegar</span></li><li><strong>Contin\xfaa en cualquier dispositivo</strong><span>Empieza en la laptop, termina en el tel\xe9fono — tu borrador te sigue</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Si la etiqueta de autoguardado dice "Editando…" por m\xe1s de unos segundos, presiona Guardar antes de navegar — normalmente la red se puso lenta.</span>\n        </div>',"r4tour.cfg.apply.2.title":"\xbfAtascado? Preg\xfantale a Breeze","r4tour.cfg.apply.2.body":'<p class="vt-summary">El \xedcono flotante de ayuda abre un chatbot que conoce el 1003 al derecho y al rev\xe9s. Pregunta lo que sea — qu\xe9 significa un campo, por qu\xe9 lo necesitamos, qu\xe9 poner si no sabes la respuesta exacta.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">Ejemplo</span>\n            <span>"\xbfCu\xe1l es la diferencia entre &lsquo;A\xf1os en el empleo&rsquo; y &lsquo;A\xf1os en este ramo de trabajo&rsquo;?" o "No tengo segundo nombre — \xbfqu\xe9 hago?"</span>\n        </div>\n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Consejo</span>\n            <span>Breeze est\xe1 enfocado en hipotecas — no fingir\xe1 ser una IA general ni responder\xe1 preguntas fuera de tema, lo que mantiene sus respuestas confiables.</span>\n        </div>',"r4tour.cfg.documents.0.title":"Tu centro de documentos","r4tour.cfg.documents.0.body":'<p class="vt-summary">Cada documento que tu prestamista necesita va aqu\xed. Hacemos OCR de lo que subes, dirigimos autom\xe1ticamente cada archivo a su lugar correcto y te decimos qu\xe9 falta a\xfan.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Identidad</strong><span>Licencia de conducir / pasaporte / ID estatal</span></li><li><strong>Ingresos</strong><span>Talones de pago, W-2, 1099, declaraciones de impuestos</span></li><li><strong>Activos</strong><span>2 meses de estados de cuenta por cuenta, saldos de jubilaci\xf3n</span></li><li><strong>Propiedad</strong><span>Contrato de compra, recibo del dep\xf3sito de buena fe, p\xf3liza de HOI</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Arrastrar y soltar funciona. Tomar foto desde tu tel\xe9fono tambi\xe9n. Los estados de cuenta DEBEN incluir todas las p\xe1ginas — incluso las en blanco — o el prestamista los rechaza.</span>\n        </div>',"r4tour.cfg.documents.1.title":"Carga inteligente","r4tour.cfg.documents.1.body":'<p class="vt-summary">Suelta un archivo y nosotros averiguamos a d\xf3nde pertenece. El OCR corre en segundo plano — normalmente unos segundos, m\xe1s tiempo para PDF con muchas im\xe1genes.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>PDF (texto legible)</strong><span>Lo mejor — OCR m\xe1s r\xe1pido, mayor precisi\xf3n</span></li><li><strong>JPG / PNG</strong><span>Funciona — hacemos OCR de la imagen y confirmamos los datos extra\xeddos</span></li><li><strong>HEIC (iPhone)</strong><span>Se convierte autom\xe1ticamente a JPG antes de subir</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">\n            <span class="vt-example-label">Ejemplo</span>\n            <span>Toma una foto de tu licencia de conducir con el tel\xe9fono — extraemos nombre, fecha de nacimiento, direcci\xf3n, n\xfamero de licencia, vencimiento y el c\xf3digo de barras AAMVA en una sola pasada.</span>\n        </div>\n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Si el prestamista rechaza un documento despu\xe9s (tipo equivocado, periodo equivocado, p\xe1gina faltante), lo mostramos como una nueva Solicitud Abierta en tu panel con un nuevo espacio para subirlo.</span>\n        </div>',"r4tour.cfg.loan-options.0.title":"Tus opciones de pr\xe9stamo","r4tour.cfg.loan-options.0.body":'<p class="vt-summary">Una vez que la suscripci\xf3n aprueba tu expediente, listamos aqu\xed cada programa para el que calificas — con tasa, pago mensual, puntos y la mejor opci\xf3n recomendada para tu situaci\xf3n.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Tasa + APR + puntos</strong><span>Los mismos campos que comparaste en la p\xe1gina de tasas, pero ahora ligados a TU expediente</span></li><li><strong>Pago mensual</strong><span>PITIA real basado en tu monto de pr\xe9stamo, estimado de impuestos sobre la propiedad y cotizaci\xf3n de HOI</span></li><li><strong>Efectivo para cerrar</strong><span>Enganche + costos de cierre menos cualquier cr\xe9dito</span></li><li><strong>Etiqueta "Mejor opci\xf3n"</strong><span>Nuestra recomendaci\xf3n seg\xfan tus prioridades (tasa m\xe1s baja vs. pago m\xe1s bajo vs. menos efectivo para cerrar)</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Consejo</span>\n            <span>Tu expediente puede calificar para programas que no sab\xedas que exist\xedan (HomeReady, Home Possible, cr\xe9ditos del prestamista, etc.). Recorre toda la lista — la mejor oferta rara vez es la m\xe1s publicitada.</span>\n        </div>',"r4tour.cfg.loan-options.1.title":"Compara lado a lado","r4tour.cfg.loan-options.1.body":'<p class="vt-summary">Cada tarjeta es una oferta con precio completo de un prestamista real. El control deslizante de enganche recalcula el precio de cada tarjeta en tiempo real — \xfatil para ver c\xf3mo 5%, 10% o 20% de enganche cambian tu pago mensual.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">Ejemplo</span>\n            <span>Desliza de 5% a 20% de enganche y observa c\xf3mo el PMI desaparece de cada tarjeta — esas son las matem\xe1ticas detr\xe1s de la "regla general del 20%".</span>\n        </div>\n        \n        <p class="vt-next-hint">\xdaltima parada: configuraci\xf3n de la cuenta.</p>',"r4tour.cfg.settings.0.title":"Configuraci\xf3n de la cuenta","r4tour.cfg.settings.0.body":'<p class="vt-summary">El perfil, las preferencias de notificaci\xf3n, la seguridad y los controles de privacidad est\xe1n todos aqu\xed.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Perfil</strong><span>Nombre, correo, tel\xe9fono, direcci\xf3n — mantenlos actualizados</span></li><li><strong>Notificaciones</strong><span>Interruptores de correo/SMS/push por tipo de evento</span></li><li><strong>Seguridad</strong><span>2FA, preguntas de seguridad, Passkeys (pr\xf3ximamente)</span></li><li><strong>Privacidad</strong><span>Descarga de datos + solicitud de eliminar mis datos</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Consejo</span>\n            <span>Activa el 2FA antes de subir tu SSN o informaci\xf3n bancaria. Las solicitudes hipotecarias son un objetivo de phishing de alto valor — los 10 segundos que toma configurar el 2FA son una mejora real de seguridad.</span>\n        </div>',"r4tour.cfg.settings.1.title":"La pesta\xf1a de seguridad","r4tour.cfg.settings.1.body":'<p class="vt-summary">Donde fortaleces la cuenta. Los prestamistas consideran la postura de seguridad del prestatario como parte de su revisi\xf3n de fraude — activar estas opciones de hecho ayuda a que tu expediente avance m\xe1s r\xe1pido.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>Autenticaci\xf3n de dos factores</strong><span>SMS o app de autenticaci\xf3n — ambas compatibles</span></li><li><strong>Preguntas de seguridad</strong><span>Ruta de recuperaci\xf3n si pierdes acceso a tu dispositivo 2FA</span></li><li><strong>Passkeys</strong><span>Inicio de sesi\xf3n sin contrase\xf1a resistente al phishing (pr\xf3ximamente)</span></li><li><strong>Sesiones activas</strong><span>Ve cada dispositivo conectado a tu cuenta; cierra cualquiera de forma remota</span></li>\n            </ul>\n        </div>',"r4tour.cfg.settings.2.title":"Todo listo","r4tour.cfg.settings.2.body":'<p class="vt-summary">Ese es el recorrido completo. Ahora sabes d\xf3nde vive cada parte importante de tu pr\xe9stamo + c\xf3mo usarla.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Lo que puedes hacer aqu\xed</p>\n            <ul class="vt-features">\n                <li><strong>\xbfNecesitas un repaso?</strong><span>Repite este recorrido cuando quieras desde el panel</span></li><li><strong>\xbfQuieres m\xe1s detalle?</strong><span>La gu\xeda escrita completa est\xe1 en /borrower/help</span></li><li><strong>\xbfAtascado en una pregunta espec\xedfica?</strong><span>Preg\xfantale a Breeze — el bot de ayuda flotante — en cualquier p\xe1gina</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Consejo</span>\n            <span>Los prestatarios m\xe1s exitosos atienden las Solicitudes Abiertas de su panel en 24 horas y responden los mensajes del broker en 4. La rapidez de respuesta es el mejor predictor de un cierre a tiempo.</span>\n        </div>\n        <p class="vt-next-hint">Haz clic en <strong>Listo</strong> para volver a tu panel y ponerte en marcha.</p>',"r4tour.chapter.dashboard":"Panel","r4tour.chapter.rates":"Tasas","r4tour.chapter.calculators":"Calculadoras","r4tour.chapter.apply":"Solicitud","r4tour.chapter.documents":"Documentos","r4tour.chapter.loan-options":"Opciones de pr\xe9stamo","r4tour.chapter.settings":"Ajustes","r4tour.previewingChapter":"Vista previa de {chapter}","r4tour.stepOf":"{current} de {total}","r4tour.previewing":"Vista previa…","r4tour.dialogLabel":"Paso del recorrido","r4tour.closeTour":"Cerrar recorrido","r4tour.closeDisabledPreviewing":"Cerrar (desactivado durante la vista previa)"},zh:{"borrower.dashboard.title":"您的控制台","borrower.dashboard.welcome":"欢迎","borrower.dashboard.goodMorning":"早上好","borrower.dashboard.goodAfternoon":"下午好","borrower.dashboard.goodEvening":"晚上好","borrower.actions.openConditions":"待您处理的事项","borrower.actions.allClear":"没有待处理事项","borrower.calculators.title":"房贷计算器","borrower.calculators.affordability":"购房能力","borrower.calculators.refiRoi":"再融资 ROI","borrower.calculators.monthlyPayment":"月供","borrower.notifications.empty":"暂无通知。","borrower.notifications.markAllRead":"全部标为已读","borrower.disclosures.title":"您的披露文件","borrower.le.viewAndDownload":"查看并下载","borrower.cd.acknowledgeRequired":"请在签署前确认","borrower.cd.threeDayWait":"3个工作日等待期","borrower.push.enable":"有更新时接收提醒","borrower.push.alreadyOn":"推送通知已开启","borrower.timeline.title":"您的贷款时间线","borrower.closingRoom.title":"过户室","borrower.closingRoom.scheduleNotary":"预约公证人","borrower.closingRoom.openSigningPortal":"打开签署门户","borrower.preQual.cta":"获取预资格认证","borrower.preQual.noFicoImpact":"不影响 FICO 评分","borrower.insurance.title":"房主保险","borrower.insurance.applyNow":"立即申请","borrower.uploadDoc":"上传文件","borrower.connectBank":"关联银行","common.cancel":"取消","common.save":"保存","common.back":"返回","common.next":"下一步","common.done":"完成","common.startApplication":"开始申请","common.viewDetails":"查看详情","common.askVera":"询问 Breeze","common.refresh":"刷新","common.openInbox":"打开收件箱","auth.signIn":"登录","auth.signOut":"退出登录","nav.rates":"利率","nav.calculators":"计算器","nav.dashboard":"控制台","nav.documents":"文件","nav.conditions":"条件","nav.loanOptions":"贷款选项","nav.askVera":"询问 Breeze","nav.pricing":"定价","nav.home":"首页","nav.resources":"资源","nav.support":"支持","nav.login":"登录","nav.getStarted":"开始使用","nav.createAccount":"创建账户","nav.openMenu":"打开菜单","nav.navigation":"导航","nav.themeWait":"请稍候...","nav.darkMode":"深色模式","nav.midnightMode":"午夜模式","nav.lightMode":"浅色模式","dashboard.loanId":"您的贷款编号：","dashboard.group.progress.title":"您的进度和后续步骤","dashboard.group.progress.subtitle":"您的贷款状态以及我们需要您提供的内容","dashboard.group.numbers.title":"您的数字","dashboard.group.numbers.subtitle":"月供、负担能力和贷款状况","dashboard.group.closing.title":"交割","dashboard.group.closing.subtitle":"您的交割日期、费用和需要携带的物品","dashboard.group.team.title":"您的团队和消息","dashboard.group.team.subtitle":"您的贷款专员、共同借款人和消息","dashboard.group.documents.title":"文件和资源","dashboard.group.documents.subtitle":"披露文件、付款方式、推荐和指南","dashboard.overview":"概览","dashboard.stages":"阶段","dashboard.finishAppToUnlock":"完成申请后即可打开您的控制台概览","dashboard.messageLoanOfficer":"联系您的贷款专员","dashboard.helpCenter":"帮助中心","dashboard.askVeraLabel":"向 Breeze 询问任何关于您贷款的问题","dashboard.offlineBanner":"您已离线 — 实时更新已暂停。您的更改已保存至本地。","dashboard.offlineSnapshot":"离线 — 显示上次保存的快照","dashboard.offlineWelcomeBack":"欢迎回来","dashboard.yourDashboard":"您的控制台","dashboard.offlineLoanStatus":"贷款状态","dashboard.offlineCachedAt":"缓存于","dashboard.offlineStageSteps":"阶段：{stage} — {done}/{total} 步骤已完成","dashboard.offlineReconnect":"重新连接以查看实时更新并执行操作。","dashboard.offlineItemNeeded":"还需处理 {n} 项","dashboard.offlineItemsNeeded":"还需处理 {n} 项","dashboard.loadingProfile":"正在加载您的资料…","dashboard.redirectingLogin":"正在跳转至登录页面...","dashboard.stuckSignOut":"卡住了？退出登录后重试","dashboard.appSubmitted":"申请已提交","dashboard.appSubmittedMsg":"您的经纪人已收到通知。随着贷款的推进，您将在此处看到最新进展。","dashboard.brokerPreviewDetail":"— 这是您的借款人现在在其控制台上所看到的完全一致的副本。","dashboard.exitPreview":"退出预览","conditions.headerTitle":"贷款方需要的一些资料","conditions.headerSubtitle":"请上传以下所需文件 — 或直接将文件拖放到任意位置，我们将ä¸

1ºæ‚¨åŒ¹é…åˆ°æ­£ç¡®çš„项目。您可以按任意顺序完成。","conditions.conditionsLabel":"条件","conditions.toUpload":"待上传","conditions.submittedInReview":"已提交 \xb7 审核中","conditions.done":"完成","conditions.allCaughtUp":"全部完成 — 干得好！","conditions.fileClear":"您的档案已清晰 — 没有待处理事项","conditions.statToDo":"待处理","conditions.statInReview":"审核中","conditions.statDone":"完成","conditions.statTotal":"总计","conditions.clearedSummary":"{done}/{total} 项已通过","conditions.smartUploadTitle":"智能上传","conditions.smartUploadSub":"拖放任意文件 — 我们将为您匹配到正确的条件。","conditions.smartUploadFormats":"PDF \xb7 JPG \xb7 PNG","conditions.heroDropTitle":"把文件拖放到这里","conditions.heroDropSub":"文件会自动归入正确的条件","conditions.heroBrowse":"浏览文件","conditions.heroCamera":"使用相机","conditions.heroCameraOverlay":"请将文件对准取景框","conditions.suggested":"推荐","conditions.upload":"上传","conditions.replace":"替换","conditions.underReview":"审核中","conditions.submitted":"已提交","conditions.processing":"处理中","conditions.accepted":"已接受","conditions.waived":"已豁免","conditions.gotIt":"知道了","conditions.sentBack":"退回：","conditions.askVera":"询问 Breeze","conditions.loadError":"无法加载您的条件。请刷新。","conditions.veraHideError":"无法隐藏 Breeze 的摘要。请重试。","conditions.veraEnableError":"无法启用 Breeze 的摘要。请重试。","conditions.uploadingFile":"正在上传 {name}…","conditions.uploadedFile":"{name} 已上传 — 您的贷款专员将进行审核。","conditions.uploadFailed":"上传失败：{error}","conditions.undoError":"无法撤销","conditions.checkoutError":"无法开始结账：{error}","login.eyebrow":"借款人","login.title":"登录您的账户","login.subtitle":"从您上次离开的地方继续。","login.noAccount":"还没有账户？","login.signUp":"注册","login.emailVerified":"邮箱已验证 — 请在下方登录以继续。","login.accountCreatedVerifyEmail":"账户已创建。请尽快验证您的邮箱 — 验证后将解锁 Plaid 和银行功能。","login.idleSignedOut":"您因不活动而被注销。请重新登录以继续。","login.sessionsRevoked":"所有会话已注销。请重新登录以继续。","login.orWithEmail":"或使用电子邮件","login.emailLabel":"电子邮件地址","login.emailPlaceholder":"[email protected]","login.passwordLabel":"密码","login.passwordPlaceholder":"••••••••","login.forgotPassword":"忘记密码？","login.authenticatorCode":"验证器代码","login.verifyCode":"验证代码","login.loading":"加载中…","login.errorInvalidCode":"代码无效，请重试。","login.errorInvalidCredentials":"电子邮件或密码无效。","login.errorAccountLocked":"由于多次尝试失败，账户已被临时锁定。","login.errorAccountCannotSignIn":"此账户当前无法登录。","login.errorLoginUnavailable":"登录暂不可用，请重试。","login.errorServerTimeout":"服务器超时，请重试。","login.errorGeneric":"出现了一些问题。","lang.change":"更改语言","lang.heading":"语言","nav.brandRole":"借款人","nav.brandTagline":"AI 抵押贷款平台","nav.features":"功能","nav.benefits":"优势","nav.signIn":"登录","nav.goToDashboard":"前往仪表板","nav.closeMenu":"关闭菜单","nav.contactBroker":"联系经纪人","footer.tagline":"面向卓越经纪人的 AI 抵押贷款发起平台。更快完成贷款，扩展您的业务。","footer.rightsReserved":"版权所有。","footer.equalHousing":"平等住房机会","footer.licensedCA":"加州持牌","footer.col.product":"产品","footer.col.company":"公司","footer.col.legal":"法律","footer.col.support":"支持","footer.link.aiUnderwriting":"AI 核保","footer.link.docVerification":"文件验证","footer.link.borrowerPortal":"借款人门户","footer.link.crmCampaigns":"CRM 与营销活动","footer.link.pipelineMgmt":"流程管理","footer.link.aboutUs":"关于我们","footer.link.careers":"招聘","footer.link.blog":"博客","footer.link.contact":"联系我们","footer.link.privacy":"隐私政策","footer.link.terms":"服务条款","footer.link.cookies":"Cookie 政策","footer.link.ccpa":"CCPA 通知","footer.link.doNotSell":"请勿出售我的信息","footer.link.disclaimer":"免责声明","footer.link.helpCenter":"帮助中心","footer.link.apiDocs":"API 文档","footer.link.systemStatus":"系统状态","footer.link.security":"安全","bfoot.techSupport":"技术支持","bfoot.contactPerson":"联系 {firstName}","bfoot.bookTime":"预约时间","notif.bellTitle":"通知","notif.settingsTitle":"通知设置","notif.countNew":"{n} 条新消息","notif.markAllReadTitle":"全部标记为已读","notif.backToNotifications":"返回通知","notif.loading":"加载中…","notif.prefsLoadError":"无法加载偏好设置。","notif.prefsHelp":"切换每种事件类型的接收方式。短信功能尚未启用——切换设置会保存，但在配置 Twilio 之前不会发送。","notif.colEvent":"事件","notif.colInApp":"应用内","notif.colEmail":"电子邮件","notif.colSms":"短信","notif.timeSecondsAgo":"{n} 秒前","notif.timeMinutesAgo":"{n} 分钟前","notif.timeHoursAgo":"{n} 小时前","notif.timeDaysAgo":"{n} 天前","notif.countNewBadge":"{n} 条新消息","notif.allCaughtUp":"全部已查看！","notif.viewAll":"查看所有通知","notif.emptyNoPeriod":"暂无通知","notif.emptyCategory":"此类别中暂无通知","notif.filterAll":"全部","notif.typeUrgent":"紧急","notif.typeAction":"需处理","notif.typeInfo":"信息","notif.fallbackLoan":"贷款","notif.staleTitle":"{name} å·² {days} 天无活动","notif.staleDetail":"当前处于 {status} - 流失风险高","notif.lockExpiringTitle":"利率锁定将在 {days}

1 天后到期","notif.lockExpiringTitleOne":"利率锁定将在 {days} 天后到期","notif.lockDetail":"{name} - {days} 天锁定","notif.conditionPendingTitle":"{count} 项条件待处理","notif.conditionsPendingTitle":"{count} 项条件待处理","notif.conditionsDetail":"{name} - {status}","notif.followUpTitle":"{name} 需要跟进","notif.followUpDetail":"在 {status} 状态下 {days} 天无活动","notif.clearedToCloseTitle":"{name} 已可办理交割","notif.clearedToCloseDetail":"安排交割并订购最终文件","notif.milestoneTitle":"里程碑通知","notif.saved":"已保存","notif.channelLabel":"通知渠道","notif.channelBoth":"两者","notif.channelEmail":"电子邮件","notif.channelSms":"短信","notif.channelBothLong":"电子邮件 + 短信","notif.milestoneSummary":"{total} 个里程碑中有 {active} 个已通过 {channel} 启用","notif.milestone.applicationReceived":"已收到申请","notif.milestone.submittedToUW":"已提交至核保","notif.milestone.approved":"已批准","notif.milestone.conditionsSent":"条件已发送","notif.milestone.clearToClose":"可办理交割","notif.milestone.closingScheduled":"交割已安排","calc.beginLoanApplication":"开始贷款申请","calc.heroEyebrow":"抵押贷款计算器","calc.heroTitle":"在与经纪人沟通前的四项快速检查","calc.heroSubtitle":"下面的每个标签页回答一个不同的问题——我的还款是多少、我能负担多大的房子、现在是否适合再融资，以及购买折扣点是否值得。这里的计算与你的贷款专员使用的完全相同；我们只是将其展示出来，让你看到每项输入如何改变结果。","calc.tabMonthly":"月供","calc.tabBuyPoints":"购买点数","calc.askVeraMonthlyLabel":"向 Breeze 询问这笔月供","calc.askVeraMonthlyPrompt":"请说明我的月供是如何计算的，以及哪些因素对它的影响最大。","calc.askVeraAffordabilityLabel":"向 Breeze 询问我的购房能力","calc.askVeraAffordabilityPrompt":"帮我了解我能负担多少，以及什么能帮助我负担更多。","calc.askVeraRefiLabel":"向 Breeze 询问这次再融资是否合理","calc.askVeraRefiPrompt":"请说明这次再融资是否适合我的情况，以及我需要确认哪些事项。","calc.askVeraBuyDownLabel":"向 Breeze 询问购买点数是否值得","calc.askVeraBuyDownPrompt":"请说明根据我计划在这套房子里住多久，购买折扣点是否合理。","calc.whatThisDoes":"此计算器的作用","calc.monthlyExplainerBody":"将你的贷款金额、利率和期限代入标准摊销公式，并加上你每月的税费 + 保险 + HOA 费用。结果是拥有那套房子的全部月度成本——不仅仅是贷款还款。","calc.loanBasics":"贷款基本信息","calc.homePrice":"房屋价格","calc.homePriceHint":"你的目标购买价格。","calc.downPaymentPct":"首付（{pct}%）","calc.downPaymentHint":"你在交割时支付的现金。低于 20% 通常意味着需要 PMI；0% 仅适用于 VA / USDA 项目。","calc.interestRatePct":"利率（%）","calc.interestRateHint":"贷款机构收取的年利率。一旦你接受条款即被锁定。","calc.loanTerm":"贷款期限","calc.loanTermHint":"还清需要多少年。","calc.unitYr":"年","calc.taxesInsurance":"税费与保险","calc.propertyTaxRatePct":"房产税率（%）","calc.propertyTaxRateHintMonthly":"房屋价值的一个百分比，由你所在的县征收。大多数州在 0.5–2% 之间。","calc.homeInsuranceYear":"房屋保险（$/年）","calc.homeInsuranceHint":"年度灾害险 / 房主保险。通常通过托管账户与你的贷款机构一起缴纳。","calc.hoaFeesMonth":"HOA 费用（$/月）","calc.hoaFeesHint":"每月的社区 / 公寓费用，如果你的房子有的话。没有则填 0。","calc.estimatedMonthlyPayment":"预计月供","calc.loanAmountLtv":"贷款金额 {amount} \xb7 LTV {ltv}%","calc.paymentBreakdownAria":"月供明细：本金与利息 {pi}，税费 {tax}，保险 {ins}，HOA {hoa}","calc.totalPerMo":"每月合计","calc.lineprincipalInterest":"本金与利息","calc.linePiSub":"实际的贷款还款","calc.linePropertyTaxes":"房产税","calc.lineTaxSub":"县税，按月托管","calc.lineHomeInsurance":"房屋保险","calc.lineInsSub":"年度保单 / 12","calc.lineHoaFees":"HOA 费用","calc.lineHoaSub":"每月社区费用","calc.howWeGotThere":"我们是如何得出的","calc.monthlyMath1":"你的贷款金额为","calc.monthlyMath2":"（房价 {home} 减去首付 {down}）。","calc.monthlyMath3":"我们将其按 {rate}% 在 {months} 个月内摊销，得出本金与利息为","calc.monthlyMath4":"加上房产税（房屋价值的 {rate}% \xf7 12 =","calc.monthlyMath5":"），保险（年度 \xf7 12 =","calc.monthlyMath6":"），以及 HOA（","calc.monthlyMath7":"），最终得出","calc.monthlyMath8":"——房子的全部成本。","calc.perMo":"{amount}/月","calc.applyForPreApproval":"申请预批","calc.affordExplainerBody":"反向计算：从你的收入和现有债务开始，应用一个 DTI 上限（常规贷款 43%，non-QM 最高 50%），算出你能承担的最大贷款。然后加上你的首付，得出最高购买价格。","calc.incomeDebts":"你的收入与债务","calc.grossMonthlyIncome":"月总收

1入（$）","calc.grossMonthlyIncomeHint":"来自所有来源的税前月收入。双收入家庭：合并计算。","calc.monthlyDebtPayments":"每月债务还款（$）","calc.monthlyDebtPaymentsHint":"车贷、学生贷款、信用卡最低还款、赡养费——任何出现在信用报告上的项目。","calc.cashDownPayment":"现金首付（$）","calc.cashDownPaymentHint":"你在交割时可以支付的资金。现金越多 = 可购房屋上限越高。","calc.loanProperty":"贷款与房产","calc.ratePct":"利率（%）","calc.rateHintAfford":"当前市场利率约为常规贷款 6–7%。","calc.term":"期限","calc.termHintAfford":"大多数人选择 30 年。","calc.propertyTaxRateHintAfford":"你所在县征收的年税率；查看你的目标邮政编码。","calc.insuranceYear":"保险（$/年）","calc.insuranceHintAfford":"年度保单费用。~$1,200 是常见水平；沿海或易发火灾地区更高。","calc.hoaMonth":"HOA（$/月）","calc.hoaHintAfford":"如适用，每月社区费用。无 HOA 的房屋填 0。","calc.dtiCeilingPct":"DTI 上限（%）","calc.dtiCeilingHint":"贷款机构允许的最高债务收入比。常规贷款 43%，激进型 non-QM 最高 50%ã€

1‚","calc.youCanAffordUpTo":"你最多可负担","calc.noHeadroomTitle":"目前空间还不够","calc.noHeadroomBody":"现有债务为 ${debts}/月，你的 DTI 已达到或超过 {dti}% 上限。可尝试减少债务、增加收入，或提高 DTI 上限（部分 non-QM 项目可达 50%）。","calc.maxLoanAmount":"最高贷款金额","calc.monthlyHousingBudget":"每月住房预算","calc.housingBudgetSub":"{income} 的 {dti}% − 债务","calc.totalMonthlyPayment":"每月还款总额","calc.piTaxInsHoa":"本金与利息 + 税费 + 保险 + HOA","calc.affordMath1":"你的月总收入","calc.affordMath2":"在 {dti}% 的 DTI 下，可用","calc.affordMath3":"用于每月债务总额。减去你现有的","calc.affordMath4":"债务后，你有","calc.affordMath5":"可用于住房。反向计算本金与利息、税费、保险和 HOA，得出最高贷款为","calc.affordMath6":"；加上你的","calc.affordMath7":"首付，得出最高购买价格为","calc.refiExplainerBody":"判断今天再融资是否真的能为你省钱。将你当前的本金与利息和新还款进行比较，考虑交割成本，并告诉你盈亏平衡点（多久后节省的金额能覆盖再融资的成本）。","calc.yourCurrentLoan":"你当前的贷款","calc.outstandingBalance":"未偿余额（$）","calc.outstandingBalanceHint":"你目前所欠的金额——可在你最新的抵押贷款对账单上找到。","calc.currentMonthlyPi":"当前每月本金与利息（$）","calc.currentMonthlyPiHint":"仅本金 + 利息，不是你的全部抵押还款。托管部分在再融资中不会改变。","calc.monthsRemaining":"剩余月数","calc.monthsRemainingHint":"你当前贷款还剩多少个月。360 表示全新的 30 年贷款。","calc.theRefiOffer":"再融资报价","calc.newRatePct":"新利率（%）","calc.newRateHint":"你被报出的利率。低于你当前的利率意味着真正的节省。","calc.newTermMonths":"新期限（月）","calc.newTermHint":"新贷款的期限。360 = 30 年；180 = 15 年。重置为 30 年会降低还款，但长期成本更高。","calc.closingCosts":"交割成本（$）","calc.closingCostsHint":"贷款机构费用 + 第三方费用。通常为贷款金额的 2–5%，除非你的贷款机构提供无成本再融资。","calc.refiMakesSense":"再融资合理","calc.refiBorderline":"等一下——这个情况处于临界","calc.refiSkip":"跳过——还款会上升","calc.recommendation":"建议","calc.newMonthlyPi":"新的每月本金与利息","calc.monthlySavings":"每月节省","calc.savingsKeepMore":"你每月可以多留下一些钱","calc.savingsHigher":"新还款更高","calc.breakEven":"盈亏平衡点","calc.unitMonthsShort":"{n} 个月","calc.breakEvenSubRefi":"收回交割成本所需的月数","calc.theLifetimeMath":"全周期的计算","calc.refiMath1":"如果你今天再融资并支付剩余的 {months} 个月，扣除 {costs} 的交割成本后，净节省将为","calc.refiVerdictRefi":"这次再融资在你的贷款结束前就能回本——通常是绿灯。","calc.refiVerdictWait":"盈亏平衡点比你预计的还款时间更晚。可考虑等待更大的利率下降，或寻找无交割成本的再融资。","calc.refiVerdictSkip":"新利率会提高你的还款——在任何情况下这次再融资都无法回本。","calc.getRealRefiQuote":"获取真实的再融资报价","calc.inputs":"输入项","calc.loanAmount":"贷款金额","calc.parRate":"标准利率（无点数）","calc.parRateHint":"不含折扣点时提供的利率。","calc.boughtDownRate":"买断后的利率","calc.boughtDownRateHint":"如果你预先支付点数，可获得的更低利率。","calc.pointsAtClosing":"交割时的点数","calc.pointsAtClosingHint":"一个点 = 贷款金额的 1%，在交割时支付。","calc.unitYears":"å¹´","calc.keepLoanHowLong":"你将持有这笔贷款多久","calc.keepLoanHint":"最重要的单项输入——只有持有足够长的时间，点数才能回本。","calc.shouldYouBuyPoints":"你应该购买点数吗？","calc.verdict":"结论","calc.tierStrong":"如果你住满 ≥ {months} 个月，强烈推荐。计算很稳妥。","calc.tierViable":"值得

1考虑——你在 {months} 个月时回本。只有在确信你会住那么久的情况下才购买。","calc.tierWeak":"很可能不值得。盈亏平衡点太遥远，节省的钱很难真正落入你的口袋。","calc.parMonthlyPi":"标准利率下的每月本金与利息","calc.boughtDownMonthlyPi":"买断利率下的每月本金与利息","calc.buyDownSavingsYes":"买断带来的更低还款","calc.buyDownSavingsNo":"无节省——买断后的利率实际上并没有更低。","calc.costAtClosing":"交割时的成本","calc.costAtClosingSub":"{pts} 点数 \xd7 {amount}","calc.unitMonths":"{n} 个月","calc.breakEvenNoRecoup":"节省的金额无法收回成本。","calc.breakEvenSubBuyDown":"更低的还款抵消预付成本所需的月数。","calc.netIfStayOne":"如果你住 {years} 年的净额","calc.netIfStayMany":"如果你住 {years} 年的净额","calc.netPositiveSub":"在那段时间里实际进入你口袋的净金额。","calc.netNegativeSub":"你还没有达到盈亏平衡点。","calc.howItWorks":"工作原理","calc.buyDownHowItWorksBody":"折扣点是预付的利息——你预先把钱付给贷款机构，他们在整个贷款期内给你更低的利率。更低的还款每月为你省钱，但只有在你抵消了预付成本之后才有效。盈亏平衡点是累计节省额等于你支付的点数之时。如果你在那之前出售或再融资，就会亏钱。","calc.glossaryTitle":"抵押贷款入门——上文使用的关键术语","calc.glossaryTapToExpand":"点按展开。{count} 个术语。","calc.glossary_pi_term":"本金与利息（P&I）","calc.glossary_pi_def":"实际的贷款还款——你每月因借入的资金而欠贷款机构的金额。不包括税费或保险。","calc.glossary_escrow_term":"托管（Escrow）","calc.glossary_escrow_def":"你的贷款机构用于在每次抵押还款时收取房产税 + 房主保险的单独账户，然后代你支付账单。","calc.glossary_dti_term":"DTI（债务收入比）","calc.glossary_dti_def":"每月债务还款总额 \xf7 月总收入。贷款机构将其上限设为常规贷款 43% / 激进型 non-QM 50%。","calc.glossary_ltv_term":"LTV（贷款价值比）","calc.glossary_ltv_def":"贷款金额 \xf7 房屋价值。80% LTV = 20% 首付。LTV 越低，通常利率越好。","calc.glossary_pmi_term":"PMI（私人抵押保险）","calc.glossary_pmi_def":"在常规贷款中首付低于 20% 时需要。每年额外约为贷款的 0.3–1.5%；一旦达到 78% LTV 即自动取消。","calc.glossary_apr_term":"APR（年百分率）","calc.glossary_apr_def":"利率 + 贷款机构费用，以单一的年百分比表示。始终高于标示利率；差额主要是摊销后的交割成本。","calc.glossary_lock_term":"锁定（Lock）","calc.glossary_lock_def":"一旦你接受条款，你的贷款专员就会“锁定”利率，使其在文件办理完成期间不会对你不利地变动。锁定通常持续 30–60 天。","calc.glossary_breakEven_term":"盈亏平衡点","calc.glossary_breakEven_def":"需要多少个月的再融资节省额才能收回再融资的交割成本。当你计划持有贷款远超过盈亏平衡点时，再融资才合理。","calc.glossary_loanTypes_term":"常规贷款 vs FHA / VA / USDA","calc.glossary_loanTypes_def":"常规贷款遵循 Fannie/Freddie 的规则。FHA 接受较低的信用分；VA 面向退伍军人（无首付）；USDA 面向农村地区且零首付。每种贷款的 DTI 上限和 PMI 规则各不相同。","legal.eyebrow":"Unified Loan System \xb7 法律","legal.tocAriaLabel":"目录","legal.tocContents":"目录","legal.lastUpdatedLabel":"最近更新：","legal.seeAlso":"另请参阅","legal.and":"和","legal.masterSaasAgreement":"SaaS 主协议","legal.dataProcessingAgreement":"数据处理协议","legal.smsTermsLink":"短信条款","legal.termsTitle":"服务条款","legal.termsLastUpdated":"最近更新：2026 年 5 月 21 日。","legal.termsTocAgreement":"1. 条款的接受","legal.termsTocIpRights":"2. 知识产权","legal.termsTocUserRepresentations":"3. 用户声明","legal.termsTocLendingServices":"4. 贷款服务","legal.termsTocSmsProgram":"5. 短信计划","legal.termsTocTermination":"6. 终止","legal.termsTocModifications":"7. 修改与中断","legal.termsAgreementHeading":"1. 条款的接受","legal.termsAgreementBody":"本服务条款构成您（无论是个人还是代表某实体，以下称“您”）与 Unified Loan System（以下称“我们”或“我们的”）之间就您访问和使用我们的网站及服务而订立的具有法律约束力的协议。访问本网站即表示您确认已阅读、理解并同意

1受本服务条款全部内容的约束。","legal.termsIpRightsHeading":"2. 知识产权","legal.termsIpRightsBody":"除非另有说明，本网站为我们的专有财产，本网站上的所有源代码、数据库、功能、软件、网站设计、音频、视频、文本、照片和图形（统称“内容”），以及其中包含的商标、服务标记和徽标（“标记”），均由我们拥有或控制或经许可供我们使用，并受版权法和商标法保护。","legal.termsUserRepresentationsHeading":"3. 用户声明","legal.termsUserRepresentationsIntro":"使用本网站即表示您声明并保证：","legal.termsUserRepresentationsItem1":"您提交的所有注册信息均真实、准确、最新且完整。","legal.termsUserRepresentationsItem2":"您将保持此类信息的准确性，并根据需要及时更新此类注册信息。","legal.termsUserRepresentationsItem3":"您具有法律行为能力，并同意遵守本服务条款。","legal.termsUserRepresentationsItem4":"您不会通过自动化或非人工方式访问本网站，无论是通过机器人、脚本或其他方式。","legal.termsLendingServicesHeading":"4. 贷款服务","legal.termsLendingServicesBody":"Unified Loan System 为抵押贷款经纪人提供一个提交和管理贷款申请的平台。我们不是银行或直接贷款机构。所有贷款批准均须遵守放款贷款机构确定的最终核保和核实条件。","legal.termsSmsProgramHeading":"5. 短信计划","legal.termsSmsIntro":"Unified Loan System 向通过提供手机号码并在注册时、账户设置中或作为贷款申请的一部分勾选短信同意框而明确选择加入的用户发送交易类短信——包括双因素身份验证码、安全警报、贷款状态更新、文件请求、电子签名链接和交割通知。我们不发送营销或促销短信。","legal.termsSmsOptOutLabel":"退订：","legal.termsSmsOptOutBefore":"发送","legal.termsSmsOptOutMiddle":"至任何 Unified Loan System 短信即可取消今后的消息。发送","legal.termsSmsOptOutHelp":"以获取帮助，或访问","legal.termsSmsOptOutOrEmail":"或发送电子邮件至","legal.termsSmsRatesLabel":"可能产生消息和数据费用。","legal.termsSmsRatesBody":"Unified Loan System 不就短信收取费用，但您的无线运营商可能会根据您的套餐对发送或接收的消息收费。","legal.termsSmsCarriersLabel":"运营商对延迟或未送达的消息不承担责任。","legal.termsSmsCarriersBody":"不保证任何单条消息的送达。请参阅我们完整的","legal.termsSmsCommunicationsTermsLink":"短信通信条款","legal.termsSmsCarriersAfter":"了解发送频率、支持的运营商、撤销同意和联系信息。","legal.termsTerminationHeading":"6. 终止","legal.termsTerminationBody":"我们可自行决定，出于任何原因且不受限制（包括但不限于违反本条款），立即终止或暂停您的账户并禁止访问本服务，无需事先通知，亦不承担任何责任。","legal.termsModificationsHeading":"7. 修改与中断","legal.termsModificationsBody":"我们保留随时或出于任何原因，自行决定更改、修改或删除本网站内容的权利，恕不另行通知。对于本网站的任何修改、价格变更、暂停或停止，我们不对您或任何第三方承担责任。","legal.privacyLastUpdated":"最近更新：2026 年 6 月 2 日。","legal.privacyFirstLabel":"您的隐私至上","legal.privacyFirstBody":"Unified Loan System 绝不会将您的手机号码或短信同意数据出售、出租或与第三方或营销关联方共享。短信选择加入信息严格保密，仅用于发送您明确请求的交易类消息。","legal.privacyTocIntroduction":"1. 引言","legal.privacyTocInfoCollect":"2. 我们收集的信息","legal.privacyTocHowWeUse":"3. 我们如何使用您的信息","legal.privacyTocSharing":"4. 共享您的信息","legal.privacyTocDataSecurity":"5. 数据安全","legal.privacyTocMobileSms":"6. 移动信息与短信数据","legal.privacyTocGoogleData":"7. Google 用户数据","legal.privacyTocContact":"8. 联系我们","legal.privacyIntroHeading":"1. 引言","legal.privacyIntroBody":"欢迎使用 Unified Loan System（以下称“我们”或“我们的”）。我们致力于保护您的个人信息和您的隐私权。本隐私政策说明了当您访问我们的网站并使用我们的服务时，我们如何收集、使用、披露和保护您的信息。","legal.privacyInfoCollectHeading":"2. 我们收集的信息","legal.privacyInfoCollectIntro":"当您进行以下操作时，我们会收集您自愿向我们提供的信息：","legal.privacyInfoCollectItem1":"在网站上注册","legal.privacyInfoCollectItem2":"提交贷款申请或文件","legal.privacyInfoCollectItem3":"联系我们寻求支持","legal.privacyInfoCollectItem4":"参与调查或促销活动","legal.privacyInfoCollectBody":"这可能包括贷款处理所需的姓名、电子邮件地址、电话号码、财务信息和就业详情。","legal.privacyHowWeUseHeading":"3. 我们如何使用您的信息","legal.privacyHowWeUseIntro":"我们使用收集或接收的信息来：","legal.privacyHowWeUseItem1":"便于账户创建和登录流程","legal.privacyHowWeUseItem2":"处理贷款申请和核保","legal.privacyHowWeUseItem3":"向您发送管理类信息","legal.privacyHowWeUseItem4":"保护我们的服务和合法权利","legal.privacyHowWeUseItem5":"回应法律请求并防止损害","legal.privacySharingHeading":"4. 共享您的信息","legal.privacySharingBefore":"我们可能会与为我们或代表我们提供服务的第三方共享信息，包括数据分析、电子邮件投递、托管服务、客户服务和营销协助。我们不会为第三方自身的营销目的而向其出售您的个人信息。请参阅我们的","legal.privacySharingSubProcessorLink":"子处理方列表","legal.privacySharingAfter":"了解我们合作的具体供应商。","legal.privacyDataSecurityHeading":"5. 数据安全","legal.privacyDataSecurityBo

1dy":"我们采用行政、技术和物理安全措施来帮助保护您的个人信息。尽管我们已采取合理步骤来保护您提供给我们的个人信息，但请注意，尽管我们尽了努力，没有任何安全措施是完美无缺或无法攻破的，也无法保证任何数据传输方法都不会被拦截或遭受其他类型的滥用。","legal.privacyMobileSmsHeading":"6. 移动信息与短信数据","legal.privacyMobileSmsBody1":"如果您在注册时、账户设置中或作为贷款申请的一部分提供手机号码并明确选择接收短信，Unified Loan System 将向您发送与您的账户和活动贷款文件相关的交易类短信（身份验证码、贷款状态更新、电子签名请求和账户安全警报）。","legal.privacyMobileSmsBody2":"不会出于营销/促销目的与第三方/关联方共享任何移动信息。上述所有类别均不包括短信发起方的选择加入数据和同意信息；此类信息不会与任何第三方共享。","legal.privacyMobileSmsBefore":"请参阅我们的","legal.privacyMobileSmsAfter":"了解完整的消息计划说明、退订关键词、发送频率、支持的运营商和撤销同意的详细信息。","legal.privacyGoogleDataHeading":"7. Google 用户数据","legal.privacyGoogleDataGmailBefore":"当您连接您的 Google 账户时，Unified Loan System 会请求对您的 Gmail 的只读访问权限","legal.privacyGoogleDataCalendarBefore":"以及对您的 Google 日历事件的访问权限","legal.privacyGoogleDataUsage":"我们使用 Gmail 只读访问权限，仅用于导入您本人最近发送的电子邮件样本，以训练个性化写作风格模型，使我们的 AI 助手能够以您的口吻撰写消息；我们绝不会发送、修改或删除您的电子邮件。我们使用日历访问权限，仅用于在您的贷款工作流程中创建和读取日程事件。","legal.privacyGoogleDataAdheresBefore":"Unified Loan System 对从 Google API 接收的信息的使用和传输遵守","legal.privacyGoogleDataPolicyLink":"Google API 服务用户数据政策","legal.privacyGoogleDataAdheresAfter":"，包括有限使用要求。","legal.privacyGoogleDataNoSell":"我们不会出售 Google 用户数据、将其用于广告或转让给他人，除非是为了提供这些功能、遵守适用法律或作为合并或收购的一部分。您可以随时通过在设置中断开 Google 连接或通过您的 Google 账户权限来撤销访问权限，这将删除存储的电子邮件样本。","legal.privacyContactHeading":"8. 联系我们","legal.privacyContactBefore":"如果您对本政策有任何疑问或意见，请发送电子邮件至","legal.cookieTitle":"Cookie 政策","legal.cookieUseHeading":"1. Cookie 的使用","legal.cookieUseBody":"Unified Loan System 使用 Cookie 来改善您在我们网站上的体验。Cookie 是放置在您计算机上的文本文件，用于收集标准的互联网日志信息和访问者行为信息。当您访问我们的网站时，我们可能会通过 Cookie 或类似技术自动收集您的信息。","legal.cookieHowHeading":"2. 我们如何使用 Cookie","legal.cookieHowIntro":"我们以多种方式使用 Cookie 来改善您在我们网站上的体验，包括：","legal.cookieHowItem1":"保持您的登录状态","legal.cookieHowItem2":"了解您如何使用我们的网站","legal.cookieHowItem3":"保存您的偏好设置","legal.cookieTypesHeading":"3. 我们使用的 Cookie 类型","legal.cookieFunctionalityHeading":"功能性","legal.cookieFunctionalityBody":"我们公司使用这些 Cookie 以便在我们的网站上识别您，并记住您之前选择的偏好设置。这些可能包括您偏好的语言和您所在的位置。","legal.cookieSecurityHeading":"安全性","legal.cookieSecurityBody":"我们使用安全 Cookie 来验证用户身份、防止欺诈性使用登录凭据，并保护用户数据免受未经授权方的侵害。","legal.cookieManagingHeading":"4. 管理 Cookie","legal.cookieManagingBody":"您可以将浏览器设置为不接受 Cookie。但是，在少数情况下，我们网站的某些功能可能因此无法正常运行。","legal.disclaimerTitle":"免责声明","legal.disclaimerWebsiteHeading":"1. 网站免责声明","legal.disclaimerWebsiteBody":"Unified Loan System（“我们”或“我们的”）在本网站上提供的信息仅用于一般信息目的。本网站上的所有信息均出于善意提供，但对于本网站上任何信息的准确性、充分性、有效性、可靠性、可用性或完整性，我们不作任何明示或暗示的陈述或保证。","legal.disclaimerFinancialHeading":"2. 财务免责声明","legal.disclaimerFinancialBody":"本网站不包含财务建议。财务信息仅用于一般信息和教育目的，不能替代专业建议。在根据此类信息采取任何行动之前，我们建议您咨询相关专业人士。我们不提供任何形式的财务建议。使用或依è

1µ–本网站所含的任何信息，完全由您自行承担风险。","legal.disclaimerExternalLinksHeading":"3. 外部链接免责声明","legal.disclaimerExternalLinksBody":"本网站可能包含（或您可能通过本网站被引导至）指向属于第三方或源自第三方的其他网站或内容的链接，或横幅广告或其他广告中指向网站和功能的链接。我们不会调查、监控或核实此类外部链接的准确性、充分性、有效性、可靠性、可用性或完整性。","mktg.featuresHeroEyebrow":"平台功能","mktg.featuresHeroTitleLine1":"您需要的一切","mktg.featuresHeroTitleLine2":"更快完成交割","mktg.featuresHeroSubtitle":"一个平台覆盖完整的贷款发起生命周期——AI 承保、文件验证、合规、电子签名和 CRM。无需任何附加组件。","mktg.featAiCategory":"AI 与承保","mktg.featAiHeadline":"AI 驱动的承保","mktg.featAiSubhead":"即时获得决策——无需等待数小时。","mktg.featAiDesc":"我们的 AI 引擎实时分析数千个数据点，提供准确的预先批准并提前列出条件。不必再等承保人接电话。","mktg.featAiBullet1":"即时预先批准函，附完整条件清单","mktg.featAiBullet2":"与 1003 字段缺口关联的自动 STIP 生成","mktg.featAiBullet3":"在实际提交前模拟 DU/LP AUS 结果","mktg.featAiBullet4":"针对每笔贷款提供可解释推理的风险评分","mktg.featDocsCategory":"文件","mktg.featDocsHeadline":"神经网络文件验证","mktg.featDocsSubhead":"不必再手动阅读 PDF。","mktg.featDocsDesc":"我们的 OCR 流程可读取工资单、W-2、1099、纳税申报表和银行对账单。它会将提取的数据与 1003 交叉验证，并自动标记每一处差异。","mktg.featDocsBullet1":"双供应商共识 OCR（Textract + Gemini Vision）","mktg.featDocsBullet2":"清晰文件准确率达 99.7%，边缘情况下可平稳回退","mktg.featDocsBullet3":"正反面身份证件采集，支持 AAMVA 条形码扫描","mktg.featDocsBullet4":"先验证后保存的界面——在数据进入贷款档案前先查看提取结果","mktg.featPipelineCategory":"管线","mktg.featPipelineHeadline":"全栈贷款发起","mktg.featPipelineSubhead":"整条管线，一个仪表板。","mktg.featPipelineDesc":"从访客 1003 到电子签名再到移交贷款机构——完整的发起工作流程都在 Unified Loan System 中。无需电子表格、无需邮件往返、无需第三方 LOS。","mktg.featPipelineBullet1":"看板式管线，支持实时状态跟踪","mktg.featPipelineBullet2":"内置电子签名（PAdES）——无 DocuSign 按份收费","mktg.featPipelineBullet3":"面向 UWM 及其他批发贷款机构的 MISMO 3.4 导出","mktg.featPipelineBullet4":"电子签名审计记录：每个事件的 IP、时间戳、已签字段","mktg.featCrmCategory":"CRM","mktg.featCrmHeadline":"CRM + AI 邮件营销活动","mktg.featCrmSubhead":"会思考的通讯录。","mktg.featCrmDesc":"内置 CRM，管理潜在客户、借款人、合作伙伴和外联联系人。Breeze AI 自动撰写并安排营销活动、处理再激活，并发送交割后跟进。","mktg.featCrmBullet1":"统一人员列表：潜在客户、借款人、合作伙伴、联系人","mktg.featCrmBullet2":"Breeze AI 在细分层面撰写个性化邮件文案","mktg.featCrmBullet3":"自动驾驶式营销活动，带办公时间节流 + 发送通道","mktg.featCrmBullet4":"可配置时间表上的再激活和交割后跟进","mktg.featComplianceCategory":"合规","mktg.featComplianceHeadline":"内置合规引擎","mktg.featComplianceSubhead":"无需手动负担即可保持合规。","mktg.featComplianceDesc":"在每次编辑贷款时，自动运行 ATR、HMDA、OFAC 和州级高成本检查。审计记录、LAR 导出和 MISMO 移交让您随时为审查做好准备。","mktg.featComplianceBullet1":"每次保存贷款时进行 ATR（Reg Z）、HMDA、OFAC 筛查","mktg.featComplianceBullet2":"州级路由：CA、NY、TX、FL 高成本 + 联邦 \xa71026.32","mktg.featComplianceBullet3":"审计日志位于 /admin/audit——每笔贷款的完整事件历史","mktg.featComplianceBullet4":"HMDA LAR CSV 导出和 MISMO 3.4 贷款机构提交文件","mktg.featSecurityCategory":"安全","mktg.featSecurityHeadline":"企业级安全","mktg.featSecuritySubhead":"为抵押贷款数据的敏感性而打造。","mktg.featSecurityDesc":"三层安全加固——账户锁定、MFA、通行密钥、会话绑定、不可能旅行检测，以及对每项敏感操作的升级验证。","mktg.featSecurityBullet1":"面向经ç

1ºªäººçš„通行密钥（WebAuthn）+ TOTP MFA","mktg.featSecurityBullet2":"对信用查询、利率锁定和 SSN/出生日期显示进行升级验证","mktg.featSecurityBullet3":"不可能旅行警报 + 全设备退出登录","mktg.featSecurityBullet4":"会话 IP/UA 绑定 + 空闲超时强制执行","mktg.featuresCtaTitlePrefix":"准备好","mktg.featuresCtaTitleHighlight":"实地体验了吗？","mktg.featuresCtaSubtitle":"创建一个免费账户，在 10 分钟内通过平台处理您的第一笔贷款。","mktg.featuresCtaFinePrint":"无需信用卡 \xb7 14 天试用 \xb7 随时取消","mktg.benefitsHeroEyebrow":"为何选择 Unified Loan System","mktg.benefitsHeroTitlePrefix":"为何加入","mktg.benefitsHeroSubtitle":"我们不只是一个平台——我们是您的增长伙伴。看看我们如何帮助经纪人以更少的负担更快地完成更多交割。","mktg.metricFasterClosingsLabel":"更快交割","mktg.metricFasterClosingsDesc":"借助自动化工作流程和即时 AI 决策，平均 clear-to-close 时间从 30 天缩短至 10 天。","mktg.metricAlwaysOnLabel":"全天候运行","mktg.metricAlwaysOnDesc":"凌晨 2 点也能模拟承保决策。无需再等承保人接电话。","mktg.metricTransparentLabel":"透明","mktg.metricTransparentDesc":"为您和您的借款人提供实时状态更新。绝无黑箱拒绝。","mktg.metricLessManualLabel":"更少手动工作","mktg.metricLessManualDesc":"经纪人反映，改用神经网络 OCR 验证后，文件审查时间减少了 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1å®Œæˆï¼š","home.demoDocScanValue":"W-2、工资单、银行对账单","home.demoIncomeLabel":"收入已验证：","home.demoIncomeValue":"{amount}/月（税前）","home.demoDtiLabel":"DTI 比率：","home.demoDtiValue":"{ratio} — 符合资格","home.demoDepositLabel":"大额存款已标记：","home.demoDepositValue":"{amount} — 需提供 LOE","home.demoMismoLabel":"MISMO 3.4 导出：","home.demoMismoValue":"就绪","home.demoPreApprovalLabel":"预批准生成用时","home.demoPreApprovalValue":"{seconds} 秒","home.aiShowcaseEyebrow":"由 AI 驱动","home.aiShowcaseHeadingLead":"真正能","home.aiShowcaseHeadingAccent":"带来改变的智能","home.aiShowcaseSubtitle":"我们的 AI 引擎不仅仅是一个聊天机器人——它是一个完整的核保副驾驶，能读取、验证和核实您管道中的每一份文件。","home.ctaSeeItInAction":"查看实际效果","home.finalCtaHeadingLead":"准备好","home.finalCtaHeadingAccent":"变革","home.finalCtaHeadingTrail":"您的业务了吗？","home.finalCtaSubtitle":"加入数百位已在使用 Unified Loan System 的顶尖经纪人，更快、更省成本地完成更多贷款交割。","home.ctaCreateFreeAccount":"创建免费账户","home.finalCtaFinePrint":"无需信用卡 \xb7 14 天免费试用 \xb7 随时取消","bauth.redirecting":"正在跳转…","bauth.redirectingTo":"正在带您前往{role}登录页面。","bauth.roleBroker":"经纪人","bauth.roleBorrower":"借款人","bauth.loading":"加载中…","bauth.stepTitleWelcome":"欢迎","bauth.stepTitleName":"您的姓名","bauth.stepTitleEmail":"您的电子邮箱","bauth.stepTitlePassword":"创建密码","bauth.stepTitleSecurity":"可选的安全增强","bauth.stepTitleReview":"审核并接受","bauth.errInvalidEmail":"电子邮箱无效","bauth.errInvalidEmailUsage":"电子邮箱使用无效。","bauth.errPasswordsMismatch":"两次输入的密码不一致。","bauth.errMustAgree":"您必须同意《服务条款》和《隐私政策》。","bauth.errSignupFailed":"无法完成注册{detail}。请重试，如果您已有账户，请登录。","bauth.ofacTitle":"账户待审核","bauth.ofacSubtitlePre":"感谢您的注册。在激活您的账户之前，我们需要核实一些信息，地址为","bauth.ofacSubtitlePost":"。","bauth.ofacBody1Pre":"您的账户正在进行例行合规审核。作为我们反欺诈和联邦合规义务的一部分，我们对每位新注册用户都会执行这一标准步骤。大多数审核会在","bauth.ofacBody1Bold":"一个工作日","bauth.ofacBody1Post":"内完成。","bauth.ofacBody2Pre":"如果我们需要您提供任何其他信息，我们会通过以下方式联系您","bauth.ofacBody2Post":"。在此期间，您无需采取任何操作。","bauth.ofacWhyTitle":"我们为什么这样做？","bauth.ofacWhyBody":"抵押贷款发放属于受监管行业。在授予金融服务访问权限之前，我们必须对每个新账户进行身份和制裁名单筛查。该检查是自动化的，需比对数百万个姓名——误匹配时有发生，我们会迅速予以解决。","bauth.returnHome":"返回首页","bauth.inboxTitle":"账户已创建——最后一步点击","bauth.inboxSubtitlePre":"我们已将确认链接发送至","bauth.inboxSubtitlePost":"。点击一下即可进入。","bauth.inboxTimelineHeader":"接下来会发生什么","bauth.inboxStep1Title":"账户已创建。","bauth.inboxStep2Title":"打开我们刚刚发送的邮件","bauth.inboxStep2Body":'点击邮件中的大按钮"确认我的邮箱"。链接有效期为 24 小时。',"bauth.inboxStep3Title":"您已进入。","bauth.inboxStep3Body":"确认邮箱后将直接登录到您的仪表板——无需再次输入密码。","bauth.inboxLookForHeader":"需要查找的内容","bauth.inboxFromLabel":"发件人","bauth.inboxSubjectLabel":"主题","bauth.inboxSubjectValue":"确认您的 Unified Loan System 账户","bauth.inboxNotSeenTitle":"一分钟后还没看到？","bauth.inboxNotSeenBody":'请检查垃圾邮件或推广邮件。Gmail 及类似服务商经常会隐藏新发件人的首封邮件——请将我们标记为"非垃圾邮件"，这样以后的贷款更新就会出现在您的主收件箱中。',"bauth.inboxWhyTitle":"我们为什么要求您这样做","bauth.inboxWhyBodyPre":"确认邮箱可证明您是真人（而非批量注册的机器人），也确保没有人误用您的地址创建账户。这是一个","bauth.inboxWhyBodyBold":"一次性步骤","bauth.inboxWhyBodyPost":"——我们不会再次要求。","bauth.resendSending":"正在发送另一封邮件…","bauth.resendSent":"已发送——请查看收件箱","bauth.resendIdle":"重新发送邮件","bauth.confirmLater"

1:"稍后确认——让我先登录","bauth.wrongEmail":"邮箱填错了？返回","bauth.blockedTitle":"注册已被阻止","bauth.blockedSubtitle":"此邀请链接无效或已过期。您需要一份有效的经纪人推荐才能创建账户。","bauth.stepCounter":"第 {current} 步，共 {total} 步","bauth.alreadyHaveAccount":"已有账户？","bauth.signInInstead":"改为登录 →","bauth.continue":"继续","bauth.continueOrSkip":"继续（或跳过）","bauth.createAccount":"创建我的账户","bauth.orSkipForm":"或跳过表单","bauth.googleHelper":"使用 Google 注册可跳过下面的步骤——同一个账户，更快捷。","bauth.welcomeIntroPre":"我们将为您设置借款人账户，大约需要","bauth.welcomeIntroBold":"约 90 秒","bauth.welcomeIntroPost":"。五个快速页面，然后即可进入。","bauth.welcomeWhyHeader":"为什么需要账户？","bauth.welcomeBenefit1Label":"保存您的进度","bauth.welcomeBenefit1Body":"填写部分贷款申请，稍后回来完成——不会丢失已输入的内容。","bauth.welcomeBenefit2Label":"安全上传文件","bauth.welcomeBenefit2Body":"上传工资单和银行对账单。在传输和存储过程中均经过加密。","bauth.welcomeBenefit3Label":"实时跟踪您的贷款进度","bauth.welcomeBenefit3Body":"清楚地了解您的贷款处于哪个阶段，以及是谁拖延了进度。","bauth.welcomeBenefit4Label":"与经纪人的直接联系渠道","bauth.welcomeBenefit4Body":"在任何贷款页面上向他们发送消息。他们会立即收到提醒。","bauth.welcomeFooter":"我们绝不出售您的数据。所有信息在传输和存储过程中均采用 256 位 AES 加密。","bauth.nameWhyTitle":"我们为什么需要您的法定全名","bauth.nameWhyPre":"此姓名会出现在每一份贷款文件上——您的申请、您的信用查询、您的交割文书。","bauth.nameWhyBold":"它必须与您的政府签发的证件完全一致","bauth.nameWhyPost":"，如果证件上有中间名也需包含。请勿使用昵称。","bauth.firstNameLabel":"名字","bauth.firstNamePlaceholder":"John","bauth.middleNameLabel":"中间名（可选）","bauth.middleNamePlaceholder":"Adam","bauth.lastNameLabel":"姓氏","bauth.lastNamePlaceholder":"Doe","bauth.emailWhyTitle":"我们为什么需要您的电子邮箱","bauth.emailWhyPre":"有两个原因。首先，我们会向您发送一个","bauth.emailWhyBold1":"验证链接","bauth.emailWhyMid":"，以确认您拥有此邮箱——这是我们确认您是真人而非机器人的方式。其次，我们用它来发送","bauth.emailWhyBold2":"仅限重要的贷款更新","bauth.emailWhyPost":"（状态变更、文件请求、交割披露的签发）。绝不发送营销垃圾邮件。","bauth.emailHint":"请使用您经常查看的邮箱。","bauth.passwordWhyTitle":"为什么强密码很重要","bauth.passwordWhyPre":"您的账户保存着敏感的财务信息——收入、资产余额，最终还有您的 SSN。我们会","bauth.passwordWhyBold1":"使用 bcrypt 对密码进行哈希处理","bauth.passwordWhyMid":"（一种单向加密——即使是我们也无法读取），但弱密码仍可能被使用自动化工具的攻击者猜出。建议使用","bauth.passwordWhyBold2":"12 个或更多字符","bauth.passwordWhyPost":"，并混合使用字母、数字和符号。或者干脆让我们为您生成一个强密码。","bauth.generatePassword":"生成强密码","bauth.copied":"已复制","bauth.copyToClipboard":"复制到剪贴板","bauth.confirmPasswordLabel":"确认密码","bauth.passwordsNoMatch":"密码尚未匹配。","bauth.savePasswordTitle":"请将此密码保存在安全的地方。","bauth.savePasswordBodyPre":"我们在存储前会对您的密码进行哈希处理（单向加密）——这意味着即使是","bauth.savePasswordWe":"我们","bauth.savePasswordBodyMid":"也无法为您找回。如果您丢失了密码，则需要通过电子邮件重置。我们强烈建议使用密码管理器，例如","bauth.savePasswordComma":"、","bauth.savePasswordBodyPost":"，或您浏览器内置的密钥链。","bauth.passwordSamplePlaceholder":"您的密码","bauth.hidePassword":"隐藏密码","bauth.showPassword":"显示密码","bauth.pwStrengthTooShort":"太短","bauth.pwStrengthWeak":"弱——

1请增加长度","bauth.pwStrengthOkay":"尚可——还可以更强","bauth.pwStrengthGood":"良好","bauth.pwStrengthExcellent":"优秀","bauth.securityWhyTitle":"这是什么，以及为什么它是可选的","bauth.securityWhyPre":"安全问题是您密码之上的","bauth.securityWhyBold1":"额外一层","bauth.securityWhyMid":"保护。如果有人窃取了您的密码并试图从全新的设备登录，我们会询问其中一个问题来确认确实是您本人。","bauth.securityWhyBold2":"如果您更愿意只依赖电子邮件验证码，可跳过此步骤","bauth.securityWhyPost":"，即我们为新设备登录所发送的验证码——对大多数人来说，这已经足够安全。","bauth.securityFooter":"您随时可以稍后在 设置 → 安全 中进行设置。","bauth.reviewWhyTitle":"在创建您的账户之前，还有一件事","bauth.reviewWhyBody":'请核对您输入的信息并接受我们的条款。底部的两个复选框为必填项——简而言之就是"我们会谨慎处理您的数据，绝不出售"。短信更新为可选项；请选择您想要的任何类别。',"bauth.phoneLabel":"电话号码","bauth.phoneHint":"以便我们可以通过短信发送贷款更新。","bauth.phonePlaceholder":"(415) 555-1234","bauth.reviewNameLabel":"姓名","bauth.reviewMissing":"（缺少）","bauth.reviewSecurityLabel":"安全问题","bauth.reviewSet":"已设置","bauth.reviewSkipped":"已跳过","bauth.consentTermsPre":"我同意","bauth.consentTermsLink":"Unified Loan System 服务条款","bauth.consentPrivacyPre":"我同意","bauth.consentPrivacyLink":"Unified Loan System 隐私政策","bauth.consentPrivacyPost":"，并同意为发放我的抵押贷款而收集、处理和存储我的信息","bauth.edit":"编辑","bdash.portalActivityTitle":"门户活动","bdash.inactiveCount":"{count} 个未活跃","bdash.noActiveBorrowers":"没有活跃的借款人","bdash.activeNow":"当前活跃","bdash.daysAgo":"{days} 天前","bdash.remind":"提醒","bdash.satisfactionTitle":"借款人满意度","bdash.scoreExcellent":"优秀","bdash.scoreGood":"良好","bdash.scoreFair":"一般","bdash.scoreNeedsAttention":"需要关注","bdash.npsProxy":"NPS 代理指标","bdash.noActiveLoansToMeasure":"没有可衡量的活跃贷款","bdash.statActive":"活跃","bdash.statOnTrack":"进展正常","bdash.statClosed":"已交割","bdash.enableSurveys":"暂无调查数据 -- 启用调查","bdash.surveysEnabled":"调查已启用（占位符）","bdash.sentimentTitle":"借款人情绪","bdash.sentimentHappy":"满意","bdash.sentimentNeutral":"中立","bdash.sentimentConcerned":"担忧","bdash.sentimentFrustrated":"沮丧","bdash.atRisk":"{count} 个有风险","bdash.reasonNoUpdates":"{days} 天内无更新","bdash.reasonStalledEarly":"贷款在早期阶段停滞","bdash.reasonInactive":"已 {days} 天未活跃","bdash.reasonConditionsPending":"尚有条件待处理","bdash.reasonNearClosing":"接近交割","bdash.reasonStrongProgress":"进展顺利","bdash.reasonProgressingNormally":"进展正常","bdash.communicationTimelineTitle":"沟通时间线","bdash.recentCount":"{count} 条最近","bdash.noRecentCommunication":"无最近沟通","bdash.timeJustNow":"刚刚","bdash.timeMinsAgo":"{mins} 分钟前","bdash.timeHoursAgo":"{hours} 小时前","bdash.timeYesterday":"昨天","bdash.timeDaysAgo":"{days} 天前","bdash.timeWeeksAgo":"{weeks} 周前","bdash.touchpointStatus":"贷款已转入{stage}","bdash.touchpointDocument":"已上传 {file}","bdash.touchpointWelcomeEmail":"已发送欢迎邮件","bdash.documentRequestsTitle":"文件请求","bdash.docW2":"W-2","bdash.docPayStubs":"工资单","bdash.docBankStatements":"银行对账单","bdash.docTaxReturns":"纳税申报表","bdash.docPhotoId":"带照片的身份证件","bdash.docPurchaseAgreement":"购房协议","bdash.docHoi":"HOI","bdash.missingCount":"缺少 {count} 份","bdash.allDocumentsReceived":"已收到所有文件","bdash.loanCountSingular":"{count} 笔贷款","bdash.loanCountPlural":"{count} 笔贷款","bdash.daysPendingShort":"{days} 天","bdash.moreCount":"+{count} 更多","bdash.quickMessageTitle":"快速消息","bdash.recipientLabel":"收件人","bdash.selectRecipientAria":"选择收件借款人","bdash.selectBorrowerOption":"选择借款人...","bdash.channelLabel":"渠道","bdash.channelEmail"

1:"电子邮件","bdash.channelSms":"短信","bdash.toPrefix":"收件人：{contact}","bdash.noEmailOnFile":"无登记的电子邮件","bdash.noPhoneOnFile":"无登记的电话","bdash.messageLabel":"消息","bdash.emailPlaceholder":"输入您的电子邮件内容...","bdash.smsPlaceholder":"输入您的短信（160 字符）...","bdash.sending":"发送中...","bdash.sent":"已发送！","bdash.sendEmail":"发送电子邮件","bdash.sendSms":"发送短信","bapply.addr.currentAddress":"当前地址","bapply.addr.streetAddress":"街道地址","bapply.addr.unit":"单元号","bapply.addr.city":"城市","bapply.addr.state":"州","bapply.addr.zipCode":"邮政编码","bapply.addr.country":"国家","bapply.addr.housingStatus":"住房状况","bapply.addr.housingOwn":"自有","bapply.addr.housingRent":"租住","bapply.addr.housingRentFree":"免费居住","bapply.addr.yearsAtAddress":"在此地址居住年数","bapply.addr.monthsAtAddress":"在此地址居住月数","bapply.addr.monthlyRent":"每月租金 ($)","bapply.gift.removeAria":"删除赠与或补助 {index}","bapply.gift.type":"类型","bapply.gift.selectType":"选择类型…","bapply.gift.typeCash":"现金赠与","bapply.gift.typeEquity":"权益赠与","bapply.gift.typeOther":"其他补助","bapply.gift.source":"来源","bapply.gift.selectSource":"选择来源…","bapply.gift.sourceRelative":"亲属","bapply.gift.sourceEmployer":"雇主","bapply.gift.sourceAgency":"机构","bapply.gift.sourceOther":"其他","bapply.gift.amount":"金额","bapply.gift.emptyTitle":"尚未添加赠与或补助","bapply.gift.emptyDesc":"添加您为此贷款收到的任何现金赠与、权益赠与或补助资金。","bapply.gift.addCta":"添加赠与/补助","bapply.gift.addAnother":"添加另一项赠与或补助","bapply.nav.cancelEdit":"取消编辑","bapply.nav.previousSection":"上一部分","bapply.nav.startFreshTitle":"清除所有从上一笔贷款预填的字段","bapply.nav.startFresh":"重新开始","bapply.nav.lastSaved":"上次保存：{time}","bapply.nav.saveChanges":"保存更改","bapply.nav.finishExit":"完成并退出","bapply.nav.nextSection":"下一部分","bapply.nav.submitApplication":"提交申请","bapply.nav.saveDraft":"保存草稿","bapply.sidebar.sections":"部分","bapply.topbar.title":"贷款申请","bapply.topbar.editTitle":"编辑贷款申请","bapply.emp.applicationAdvisor":"申请顾问","bapply.emp.fixThis":"修正此项","bapply.emp.emptyTitle":"尚未添加工作信息","bapply.emp.emptyDesc":"贷款机构要求至少两年的工作历史。请先添加您当前的工作，如有需要再添加以前的工作。","bapply.emp.addCta":"添加工作信息","bapply.emp.removeAria":"删除工作信息 {index}","bapply.emp.detailsHeading":"工作详情","bapply.emp.employerName":"雇主名称","bapply.emp.employerPhone":"雇主电话（可选）","bapply.emp.employerAddress":"雇主

1地址","bapply.emp.employerAddressHint":"（可选 \xb7 有助于 VOE）","bapply.emp.street":"街道","bapply.emp.city":"城市","bapply.emp.state":"州","bapply.emp.zip":"邮政编码","bapply.emp.startDate":"开始日期","bapply.emp.endDate":"结束日期","bapply.emp.endDatePlaceholder":"如为当前工作请留空","bapply.emp.yearsInLineOfWork":"从事此行业的年数","bapply.emp.yearsInLineOfWorkPlaceholder":"职业生涯总年数","bapply.emp.yearsInLineOfWorkHint":"在此职业领域跨所有雇主的总年数（不仅是这份工作）。","bapply.emp.employmentType":"就业类型","bapply.emp.selfEmployed":"自雇","bapply.emp.ownershipShare":"持股比例 (%)","bapply.emp.positionTitle":"职位 / 头衔","bapply.emp.yearsOnJob":"在职年数","bapply.emp.monthsOnJob":"在职月数","bapply.emp.employedByFamily":"受雇于家庭成员？","bapply.emp.employedByParty":"受雇于交易相关方？","bapply.emp.monthlyIncomeDetails":"每月收入详情","bapply.emp.baseSalary":"基本工资","bapply.emp.overtime":"加班费","bapply.emp.bonus":"奖金","bapply.emp.commission":"佣金","bapply.emp.military":"军队","bapply.emp.otherIncome":"其他","bapply.emp.totalMonthlyIncome":"每月总收入：","bapply.asset.toastReplaced":"已用您的银行账户替换了您的条目。","bapply.asset.toastAddedOne":"已从您的银行添加 1 个账户。","bapply.asset.toastAddedMany":"已从您的银行添加 {count} 个账户。","bapply.asset.verifyTitle":"验证您的资产","bapply.asset.verifyDesc":"安全地连接您的银行以自动导入您的账户余额。无需手动输入。我们使用银行级加密。","bapply.asset.toastReconnected":"银行已重新连接——您的贷款数据已重新更新。","bapply.asset.bankConnected":"银行已连接","bapply.asset.toastDisconnected":"银行已断开连接。已删除缓存的财务数据。","bapply.asset.toastConnected":"银行账户已连接——正在获取您的账户…","bapply.asset.analysisTitle":"资产分析","bapply.asset.fixThis":"修正此项","bapply.asset.detailsHeading":"资产详情","bapply.asset.removeAria":"删除资产 {index}","bapply.asset.accountType":"账户类型","bapply.asset.selectAccountType":"选择账户类型…","bapply.asset.typeChecking":"支票账户","bapply.asset.typeSavings":"储蓄账户","bapply.asset.typeMoneyMarket":"货币市场账户","bapply.asset.typeMutualFund":"共同基金","bapply.asset.typeStocks":"股票","bapply.asset.typeRetirement":"退休账户 (401k, IRA)","bapply.asset.typeOther":"其他","bapply.asset.financialInstitution":"金融机构","bapply.asset.accountLast4":"账号（后 4 位）","bapply.asset.cashMarketValue":"现金 / 市场价值","bapply.asset.emptyTitle":"尚未列出资产","bapply.asset.emptyDesc":"添加银行账户、退休账户或其他金融资产以支持您的申请。","bapply.asset.addCta":"添加资产","bapply.asset.totalAssets":"总资产：","bapply.liab.debtAnalysis":"债务分析","bapply.liab.fixThis":"修正此项","bapply.liab.removeAria":"删除负债 {index}","bapply.liab.detailsHeading":"负债详情","bapply.liab.type":"类型","bapply.liab.selectType":"选择负债类型…","bapply.liab.typeRevolving":"循环（信用卡）","bapply.liab.typeInstallment":"分期（贷款）","bapply.liab.typeLease":"租赁","bapply.liab.typeOther":"其他","bapply.liab.creditorName":"债权人名称","bapply.liab.accountNumber":"账号","bapply.liab.unpaidBalance":"未偿还总余额","bapply.liab.monthsLeft":"剩余月数（可选）","bapply.liab.monthlyPayment":"每月最低还款","bapply.liab.paidOffAtClosing":"将在交割时还清","bapply.liab.resubordinated":"重新次级化（贷款机构将告知）","bapply.liab.excludedFromDti":"不计入 DTI 计算","bapply.liab.emptyTitle":"尚未列出负债","bapply.liab.emptyDesc":"列出您的信用卡、贷款和租赁。如果您在下方拉取信用报告，这些将自动填充。","bapply.liab.addCta":"添加负债","bapply.liab.totalBalance":"总余额：","bapply.liab.totalMonthlyPayments":"每月还款总额：","bapply.re.analysisTitle":"房地产分析","bapply.re.fixThis":"修正此项","bapply.re.removePropertyAria":"删除房产 {index}","bapply.re.detailsHeading":"房产详情","bapply.re.streetAddress":"街道地址","bapply.re.city":"城市","bapply.re.state":"州","bapply.re.zipCode":"邮政编码","bapply.re.propertyValue":"房产价值","bapply.re.status":"状态","bapply.re.statusRetained":"保留","bapply.re.statusSold":"已售出","bapply.re.statusPending":"待定","bapply.re.intendedOccupancy":"预定用途","bapply.re.occPrimary":"主要","bapply.re.occInvestment":"投资","bapply.re.occSecondHome":"第二住宅","bapply.re.monthlyInsuranceTaxesHoa":"每月保险、税费、HOA","bapply.re.monthlyRentalIncome":"每月租金收入","bapply.re.mortgageLoansHeading":"此房产的抵押贷款","bapply.re.addMortgage":"添加抵押贷款","bapply.re.creditorName":"债权人名称","bapply.re.accountNumber":"账号","bapply.re.balance":"余额","bapply.re.payment":"还款","bapply.re.loanTypeAria":"房产 {property} 的抵押贷款 {mortgage} 的贷款类型","bapply.re.typePlaceholder":"类型…","bapply.re.typeConventional":"常规","bapply.re.typeOther":"其他","bapply.re.removeMortgageAria":"从房产 {property} 删除抵押贷款 {mortgage}","bapply.re.noMortgages":"未列出抵押贷款。","bapply.re.emptyTitle":"尚未列出房产","bapply.re.emptyDesc":"如果您拥有任何房产，请在此处添加。如果您没有房地产，可以跳过此部分。","bapply.re.addCta":"添加房产","bapply.re.addAnother":"添加另一处房产","bapply.guest.step1Title":"介绍一下您自己","bapply.guest.step2Title":"您要融资的内容","bapply.guest.step3Title":"数字（大概即可）","bapply.guest.step4Title":"您的时间安排及联系方式","bapply.guest.step5Title":"您的联系信息","bapply.guest.couldNotSave":"无法保存 ({status}

1)。","bapply.guest.networkError":"网络错误","bapply.guest.backToLanding":"返回首页","bapply.guest.preApplicationPill":"预申请 \xb7 无需 SSN，无信用查询","bapply.guest.stepCounter":"第 {current} 步，共 {total} 步 \xb7 这将直接带入您的完整申请——您无需重新输入任何内容。","bapply.guest.continueOrSkip":"继续（或跳过）","bapply.guest.continue":"继续","bapply.guest.continueToAccount":"继续设置账户","bapply.guest.encryptedFooter":"加密存储在一个短期有效的签名 cookie 中。在您创建账户之前，不会向我们的数据库写入任何内容。","bapply.guest.yes":"是","bapply.guest.no":"否","bapply.guest.s1WhyTitle":"三个快速的是/否问题","bapply.guest.s1WhyBodyA":"我们问这些是为了能够","bapply.guest.s1WhyBodyStrong":"只向您展示您实际符合条件的贷款项目","bapply.guest.s1WhyBodyB":"。首次购房者项目、面向退伍军人的 VA 贷款、常规贷款与巨额贷款——根据您的情况有不同的路径。任何一项都可跳过；这里没有任何内容具有约束力。","bapply.guest.s1ApplyingWithAnyone":"您是否与其他人共同申请？","bapply.guest.s1JustMe":"只有我","bapply.guest.s1Spouse":"配偶","bapply.guest.s1Partner":"伴侣","bapply.guest.s1FamilyFriend":"家人 / 朋友","bapply.guest.s1BoughtBefore":"您以前买过房吗？","bapply.guest.s1BoughtBeforeYes":"是的，我以前买过","bapply.guest.s1BoughtBeforeNo":"没有，这将是我的第一次","bapply.guest.s1Veteran":"您是否服过兵役或是退伍军人？","bapply.guest.s1VeteranHint":"解锁 VA 贷款资格——通常 0% 首付 + 无 PMI。","bapply.guest.s2WhyTitle":"在哪里 + 什么类型的房产？","bapply.guest.s2WhyBody":"房产位置决定州一级的披露和税费估算。房产类型会改变贷款机构的资格——例如，公寓需经过项目审查，预制房需要地基认证，多单元房产有不同的 DTI 规则。","bapply.guest.s2LoanPurpose":"您打算用这笔贷款做什么？","bapply.guest.s2PurposeBuying":"购房","bapply.guest.s2PurposeRefiRate":"再融资——更好的利率","bapply.guest.s2PurposeRefiCash":"再融资——套现","bapply.guest.s2Occupancy":"您将如何使用该房产？","bapply.guest.s2OccPrimary":"主要住宅","bapply.guest.s2OccSecond":"第二住宅","bapply.guest.s2OccInvestment":"投资","bapply.guest.s2PropertyType":"房产类型","bapply.guest.s2TypeSingleFamily":"独栋住宅","bapply.guest.s2TypeCondo":"公寓","bapply.guest.s2TypeMultiUnit":"2-4 单元","bapply.guest.s2TypeManufactured":"预制房","bapply.guest.s2StreetAddress":"房产街道地址","bapply.guest.s2StreetPlaceholder":"123 Main St","bapply.guest.s2City":"城市","bapply.guest.s2State":"州","bapply.guest.s2StateHint":"2 个字母","bapply.guest.s2Zip":"邮政编码","bapply.guest.s3WhyTitle":"粗略报价——确切数字稍后提供","bapply.guest.s3WhyBodyA":"我们用这些来","bapply.guest.s3WhyBodyStrong":"为您展示真实的利率和每月还款估算","bapply.guest.s3WhyBodyB":"在下一页上。不必担心相差几千元——当您完成完整申请时，我们会优化所有内容。","bapply.guest.s3PropertyValue":"估计房产价值 ($)","bapply.guest.s3PropertyValueHint":"您认为它的价值。","bapply.guest.s3LoanAmount":"估计贷款金额 ($)","bapply.guest.s3LoanAmountHint":"您要借的金额。","bapply.guest.s3ImpliedLtv":"隐含 LTV","bapply.guest.s3ImpliedDownPayment":"隐含首付","bapply.guest.s3DownPaymentSource":"首付来自哪里？","bapply.guest.s3DownPaymentSourceHint":"可选——只是帮助我们为您匹配合适的贷款产品。","bapply.guest.s3DpSavings":"储蓄","bapply.guest.s3DpGift":"赠与","bapply.guest.s3DpSaleOfHome":"出售房屋","bapply.guest.s3DpRetirement":"401(k) / IRA","bapply.guest.s3DpOther":"其他","bapply.guest.s4WhyTitle":"以便您的经纪人能围绕您进行规划","bapply.guest.s4WhyBodyA":"您的时间安排告诉我们要以多大力度推进文件。","bapply.guest.s4WhyShopping":"只是看看？","bapply.guest.s4WhyBodyB":"我们会发送利率提醒，不会打扰您。","bapply.guest.s4WhyAsap":"尽快？","bapply.guest.s4WhyBodyC":"您的文件将获得优先处理，我们会加班加点以赶上您的交割日期。","bapply.guest.s4ClosingTimeline":"您希望何时交割？","bapply.guest.s4Days3060":"30-60 天","bapply.guest.s4Days6090":"60-90 天","bapply.guest.s4Days90plus":"90 天以上","bapply.guest.s4JustShopping":"只是看看","bapply.guest.s4ContactMethod":"您的经纪人应如何联系您？","bapply.guest.s4EmailOnly":"仅电子邮件","bapply.guest.s4PhoneCalls":"电话","bapply.guest.s4EitherFine":"都可以","bapply.guest.s4BestTime":"一天中通话 / 回复的最佳时间","bapply.guest.s4Morning":"上午","bapply.guest.s4Afternoon":"下午","bapply.guest.s4Evening":"傍晚","bapply.guest.s4Anytime":"任何时间","bapply.guest.s5WhyTitle":"最后一件事——我们如何联系您？","bapply.guest.s5WhyBodyA":"只是足够用于跟进。您的姓名、用于接收验证链接的电子邮件，以及如果您表示想接听电话则需提供的电话号码。","bapply.guest.s5WhyBodyStrong":"我们不会查询您的信用，不会分享您的信息，也不会向您发送营销垃圾邮件。","bapply.guest.s5FirstName":"名字","bapply.guest.s5LastName":"姓氏","bapply.guest.s5Email":"电子邮件","bapply.guest.s5EmailHint":"我们会将账户设置链接发送到这里。","bapply.guest.s5Phone":"电话","bapply.guest.s5PhoneOptional":"电话（可选）","bapply.guest.s5PhoneHintRequired":"您说想接听电话——我们需要一个号码。","bapply.guest.s5PhoneHintOptional":"仅在您的经纪人需要联系您时使用。","bapply.step1.scanLicense":"扫描驾驶执照","bapply.step1.fastMobileAuth":"快速移动认证","bapply.step1.manualEntryToast":"继续手动输入。","bapply.step1.identityVerifiedToast":"身份已验证！1003 已成功预填。","bapply.step1.aamvaReviewToast":"我们已尽量从您的身份证件预填——请仔细核对突出显示的字段。","bapply.step1.aamvaVerifiedToast":"驾驶执照已验证——数据已预填。","bapply.step1.headerTitle":"借款人信息","bapply.step1.headerDesc":"介绍一下您自己——姓名、联系信息和居住地。","bapply.step1.autofillTitle":"已从您上一笔贷款预填。","bapply.step1.autofillBodyA":"标记为","bapply.step1.autofillBadge":"上一笔贷款","bapply.step1.autofillBodyB":"已自动复制。编辑任何字段以更新它，或使用页脚中的“重新开始”。","bapply.step1.firstName":"名字","bapply.step1.middleName":"中间名","bapply.step1.noMiddleName":"我没有中间名（或我的身份证件上没有）","bapply.step1.lastName":"姓氏","bapply.step1.suffix":"后缀（可选 \xb7 Jr、Sr、III 等）","bapply.step1.alternateNames":"其他名字（可选 \xb7 您过去使用过的名字）","bapply.step1.alternateNamesPlaceholder":"例如：婚前姓氏","bapply.step1.email":"电子邮件","bapply.step1.cellPhone":"手机","bapply.step1.homePhone":"家庭电话（可选）","bapply.step1.workPhone":"工作电话（可选）","bapply.step1.dateOfBirth":"出生日期","bapply.step1.dobHint":"联邦贷款法规要求提供，用于验证您的身份。","bapply.step1.ssn":"社会安全号码","bapply.step1.ssnHint":"我们用它来拉取您的信用报告。通过 TLS 传输，绝不出售。","bapply.step1.maritalStatus":"婚姻状况","bapply.step1.required":"* 必填","bapply.step1.maritalMarried":"已婚","bapply.step1.maritalSeparated":"分居","bapply.step1.maritalUnmarriedLong":"未婚（单身、离异、丧偶）","bapply.step1.citizenship":"公民身份","bapply.step1.citizenUs":"美国

1公民","bapply.step1.citizenPermanent":"永久居民外国人","bapply.step1.citizenNonPermanent":"非永久居民外国人","bapply.step1.currentAddress":"当前地址","bapply.step2.headerTitle":"就业信息","bapply.step2.headerDesc":"介绍一下您过去两年的工作历史。包括所有工作，即使是兼职。","bapply.step2.autofillTitle":"就业信息已从您上一笔贷款预填。","bapply.step2.autofillBody":"如果您的情况有变化，请更新相应字段。","bapply.step3.headerTitle":"财务信息——资产","bapply.step3.headerDesc":"列出您的银行账户、退休账户和其他金融资产。","bapply.step3.giftsTitle":"赠与或补助","bapply.step3.giftsDesc":"您为此贷款已获得或将获得的赠与或补助。","bapply.step4.pullSuccessToast":"Factual Data 三方合并已成功拉取！分数：{score}","bapply.step4.pullFailToast":"拉取信用失败","bapply.step4.pullNetworkErrorToast":"与 Factual Data 通信时发生网络错误。","bapply.step4.creditVerified":"信用已验证：{score}","bapply.step4.pullingCredit":"正在拉取信用…","bapply.step4.pullCredit":"通过 Factual Data 拉取信用","bapply.step4.headerTitle":"财务信息——负债","bapply.step4.headerDesc":"列出您的信用卡、贷款、租赁及任何其他每月债务义务。","bapply.step5.headerTitle":"财务信息——房地产","bapply.step5.headerDesc":"列出您目前拥有的任何房产，包括地址、估计价值及其上的任何抵押贷款。","bapply.step6.headerTitle":"贷款与房产信息","bapply.step6.headerDesc":"介绍一下您要购买或再融资的房产以及您想借多少。","bapply.step6.loanAnalysis":"贷款分析","bapply.step6.fixThis":"修正此项","bapply.step6.loanAmount":"贷款金额","bapply.step6.propertyValue":"房产价值（估计）","bapply.step6.loanPurpose":"贷款用途","bapply.step6.purposePurchase":"购买","bapply.step6.purposeRefinance":"再融资","bapply.step6.purposeOther":"其他","bapply.step6.propertyType":"房产类型","bapply.step6.ptSingleFamily":"独栋住宅","bapply.step6.ptCondo":"公寓","bapply.step6.ptTownhouse":"联排别墅","bapply.step6.ptMultiFamily":"多户住宅","bapply.step6.ptOther":"其他","bapply.step6.occupancy":"用途","bapply.step6.occPrimary":"主要住宅","bapply.step6.occSecond":"第二住宅","bapply.step6.occInvestment":"投资房产","bapply.step6.occFhaSecondary":"FHA 次要住宅","bapply.step6.subjectPropertyAddress":"标的房产地址","bapply.step6.streetAddress":"街道地址","bapply.step6.city":"城市","bapply.step6.state":"州","bapply.step6.zipCode":"邮政编码","bapply.step6.mixedUse":"混合用途房产","bapply.step6.manufacturedHome":"预制房","bapply.step6.firstTimeHomebuyer":"首次购房者","bapply.step6.subordinateFinancing":"次级融资（可选）","bapply.step6.leaveBlankIfNone":"如无请留空","bapply.step6.estimatedRentalIncome":"估计每月租金收入（可选）","bapply.step6.leaveBlankIfNotRental":"如非出租房请留空","bapply.step6.hoaDues":"每月 HOA 费用（可选）","bapply.step6.leaveBlankIfNoHoa":"如无 HOA 请留空","bapply.step6.refiTypeLabel":"哪种类型的再融资？","bapply.step6.refiRateTerm":"利率/期限型","bapply.step6.refiRateTermDesc":"降低利率或更改贷款期限","bapply.step6.refiCashOut":"套现型","bapply.step6.refiCashOutDesc":"从房屋净值中提取现金","bapply.step6.cashOutAmount":"您大约想提取多少现金？","bapply.step6.unitCountLabel":"该房产有多少个单元？","bapply.step6.unitCount2":"2 个单元","bapply.step6.unitCount3":"3 个单元","bapply.step6.unitCount4":"4 个单元","bapply.step6.ownershipDetails":"产权持有详情","bapply.step6.ownershipOptional":"可选 — 您的经纪人稍后可与您一起填写","bapply.step6.estateType":"您将如何持有该房产？","bapply.step6.estateFeeSimple":"完全产权（Fee Simple）","bapply.step6.estateFeeSimpleDesc":"最常见 — 您同时拥有房屋和土地","bapply.step6.estateLeasehold":"租赁产权（Leasehold）","bapply.step6.estateLeaseholdDesc":"您拥有房屋，但土地为租赁","bapply.step6.titleManner":"产权将如何登记？","bapply.step6.titleSole":"单独所有","bapply.step6.titleJoint":"联权共有（Joint Tenants）","bapply.step6.titleCommon":"分权共有（Tenants in Common）","bapply.step6.titleCommunity":"夫妻共同财产（Community Property）","bapply.step6.titleUnsureHint":"不确定？可以跳过 — 稍后与您的经纪人再决定。","bapply.step7.headerTitle":"声明","bapply.step7.headerDesc":"根据您的情况回答每个问题。这些是每份抵押贷款申请都要求回答的标准问题。","bapply.step7.importantDeclarations":"重要声明","bapply.step7.whyWeAsk":"我们为何询问 \xb7 全文","bapply.step7.answerForAria":"回答：{question}","bapply.step7.yes":"是","bapply.step7.no":"否","bapply.step7.bankruptcyType":"破产类型","bapply.step7.selectType":"选择类型","bapply.step7.explanationLabel":"对任何“是”回答的说明（可选）","bapply.step7.explanationPlaceholder":"请为任何标记为“是”的声明提供详细信息……（或点击麦克风进行口述）","bapply.step7.q_a_label":"A. 这将是您的主要住宅吗？","bapply.step7.q_a_full":"您是否会将该房产作为主要住宅居住？","bapply.step7.q_b_label":"B. 您与卖方有亲属关系或业务往来吗？","bapply.step7.q_b_full":"您与该房产的卖方是否有家庭关系或业务联系？","bapply.step7.q_c_label":"C. 是否向此处未列出的人借钱用于交割或首付？","bapply.step7.q_c_full":"您是否为此房地产交易借入任何资金（例如用于交割费用或首付的资金），或从其他方（如卖方或房地产经纪人）获取任何您未在本贷款申请中披露的资金？","bapply.step7.q_d_label":"D. 在此贷款交割前，是否在其他地方申请另一笔抵押贷款？","bapply.step7.q_d_full":"在本交易交割时或之前，您是否已申请或将申请另一处房产（非担保本贷款的房产）的抵押贷款，且未在本贷款申请中披露？","bapply.step7.q_e_label":"E. 在此贷款交割前，是否申请任何新信贷（信用卡、贷款等）？","bapply.step7.q_e_full":"在本贷款交割时或之前，您是否已申请或将申请任何新信贷（例如分期贷款、信用卡等），且未在本申请中披露？","bapply.step7.q_f_label":"F. 是否存在优先于新抵押贷款的其他留置权？","bapply.step7.q_f_full":"该房产是否会受制于一项可能优先于第一抵押权的留置权？","bapply.step7.q_g_label":"G. 是否为此处未列出的任何债务的共同签署人或担保人？","bapply.step7.q_g_full":"您是否为本申请中未披露的任何债务或贷款的共同签署人或担保人？","bapply.step7.q_h_label":"H. 是否有任何针对您的未决法院判决？","bapply.step7.q_i_label":"I. 是否拖欠联邦债务（税款、学生贷款、SBA 等）？","bapply.step7.q_i_full":"您目前是否拖欠或违约任何联邦债务？","bapply.step7.q_j_label":"J. 是否为某项诉讼的当事方，且可能需要赔偿？","bapply.step7.q_j_full":"您是否为某项诉讼的当事方，且可能承担个人财务责任？","bapply.step7.q_k_label":"K. 在过去 7 年内，是否以替代止赎方式让出过房产？","bapply.step7.q_k_full":"在过去 7 年内，您是否以替代止赎方式转让过任何房产的产权？","bapply.step7.q_l_label":"L. 在过去 7 年内是否申请过破产？","bapply.step7.q_l_full":"您是否在过去 7 年内申报过破产？","bapply.step8.headerTitle":"确认与协议","bapply.step8.headerDesc":"请查看下方声明，并勾选复选框以确认您的同意后再继续。","bapply.step8.intro":"我同意、确认并声明如下：","bapply.step8.p1Label":"(1) 本申请的完整信息：","bapply.step8.p1Body":"我在本申请中提供的信息在我签署本申请之日是真实、准确和完整的。您可以依据这些信息决定是否批准本申请。","bapply.step8.p2Label":"(2) 房产的担保：","bapply.step8.p2Body":"我申请的贷款将由一项抵押或信托契据担保，该担保赋予贷款机构对本申请中所述房产的担保权益。","bapply.step8.p3Label":"(3) 房产的评估、价值和状况：","bapply.step8.p3Body":"您获得的任何房产评估或价值仅供您和其他贷款参与方使用。我并未依赖您获得的任何房产评估或价值。","bapply.step8.p4Label":"(4) 电子记录和签名：","bapply.step8.p4Body":"我同意以电子方式接收和签署文件。","bapply.step8.p5Label":"(5) 拖欠：","bapply.step8.p5Body":"贷款机构可能会向信用机构报告有关我账户的信息。我账户上的逾期还款、漏付或其他违约可能会反映在我的信用报告中。","bapply.step8.p6Label":"(6) 信息的使用：","bapply.step8.p6Body":"我授权贷款机构核实我提供的信息。","bapply.step8.agreeCheckbox":"我同意上述确认事项并同意使用电子签名。","bapply.step9.militaryTitle":"兵役","bapply.step9.militaryDesc":"如果您曾在美国武装部队服役，您可能有资格获得无首付的 VA 贷款。","bapply.step9.militaryQuestion":"您（或您已故的配偶）是否曾经服役或目前正在美国武装部队服役？","bapply.step9.militaryAria":"兵役：是或否","bapply.step9.yes":"是","bapply.step9.no":"否","bapply.step9.checkAllApply":"勾选所有适用项：","bapply.step9.activeDuty":"目前正在现役服役","bapply.step9.survivingSpouse":"遗属配偶","bapply.step9.demographicTitle":"人口统计信息","bapply.step9.demographicDesc":"联邦法律要求用于《住房抵押贷款披露法》(HMDA) 报告。回答是可选的——拒绝不会影响您的申请。","bapply.step9.ethnicity":"族裔","bapply.step9.pickOne":"\xb7 选择一项（拒绝也可以）","bapply.step9.hmdaHelper":"联邦法律要求用于 HMDA 报告。拒绝不会影响您的申请。","bapply.step9.hmdaHelperRace":"联邦法律要求用于 HMDA 报告。勾选所有适用项。拒绝不会影响您的申请。","bapply.step9.ethHispanic":"西班牙裔或拉丁裔","bapply.step9.ethNotHispanic":"非西班牙裔或拉丁裔","bapply.step9.refuse":"我不希望提供此信息","bapply.step9.ethSubMexican":"墨西哥裔","bapply.step9.ethSubPuertoRican":"波多黎各裔","bapply.step9.ethSubCuban":"古巴裔","bapply.step9.ethSubOther":"其他西班牙裔或拉丁裔","bapply.step9.enterOrigin":"输入原籍","bapply.step9.sex":"性别","bapply.step9.sexMale":"男","bapply.step9.sexFemale":"女","bapply.step9.race":"种族","bapply.step9.race_amer

1icanIndianOrAlaskaNative":"美洲印第安人或阿拉斯加原住民","bapply.step9.race_asian":"亚裔","bapply.step9.race_blackOrAfricanAmerican":"黑人或非裔美国人","bapply.step9.race_nativeHawaiianOrOtherPacificIslander":"夏威夷原住民或其他太平洋岛民","bapply.step9.race_white":"白人","bapply.step9.race_refuse":"我不希望提供此信息","bapply.step9.raceSub_asianIndian":"印度裔","bapply.step9.raceSub_chinese":"华裔","bapply.step9.raceSub_filipino":"菲律宾裔","bapply.step9.raceSub_japanese":"日裔","bapply.step9.raceSub_korean":"韩裔","bapply.step9.raceSub_vietnamese":"越南裔","bapply.step9.raceSub_otherAsian":"其他亚裔","bapply.step9.raceSub_nativeHawaiian":"夏威夷原住民","bapply.step9.raceSub_guamanianOrChamorro":"关岛人或查莫罗人","bapply.step9.raceSub_samoan":"萨摩亚人","bapply.step9.raceSub_otherPacificIslander":"其他太平洋岛民","bapply.step9.enterTribe":"输入登记或主要部落的名称","bapply.step9.loanOriginatorTitle":"贷款发起人信息","bapply.step9.loanOriginatorBody":"您的经纪人和指定的贷款专员将在出具您的最终披露文件之前填写此部分。您将在收到的每份披露文件上看到他们的全名、NMLS ID 和联系方式。","bapply.step10.headerTitle":"最终审核与同意","bapply.step10.headerDesc":"您即将完成。请查看并接受下方的披露内容以提交您的申请。","bapply.page.autosaveEditing":"正在编辑…","bapply.page.autosaveSaving":"正在保存…","bapply.page.autosaveSaved":"已保存","bapply.page.autosaveFailed":"保存失败","bapply.page.step_borrower_label":"借款人","bapply.page.step_borrower_short":"信息","bapply.page.step_employment_label":"就业","bapply.page.step_employment_short":"工作","bapply.page.step_assets_label":"资产","bapply.page.step_assets_short":"资产","bapply.page.step_liabilities_label":"负债","bapply.page.step_liabilities_short":"债务","bapply.page.step_realEstate_label":"房地产","bapply.page.step_realEstate_short":"房产","bapply.page.step_loanProperty_label":"贷款与房产","bapply.page.step_loanProperty_short":"贷款","bapply.page.step_transactionTeam_label":"交易团队","bapply.page.step_transactionTeam_short":"团队","bapply.page.step_declarations_label":"声明","bapply.page.step_declarations_short":"声明","bapply.page.step_agreements_label":"协议","bapply.page.step_agreements_short":"同意","bapply.page.step_militaryDemo_label":"兵役与人口统计","bapply.page.step_militaryDemo_short":"兵役","bapply.page.step_consent_label":"同意","bapply.page.step_consent_short":"最终","bapply.page.fieldUpdatedAi":"字段已根据 AI 建议更新。","bapply.page.saveTimeout":"保存时间比预期长——您的最后一次更改可能未保存。请刷新以确认。","bapply.page.consentRequiredTitle":"需要同意","bapply.page.consentRequiredMsg":"您必须接受所有条款和披露才能继续。","bapply.page.fixIt":"修正","bapply.page.noBorrowerId":"错误：未找到借款人 ID。请重新登录。","bapply.page.savingChanges":"正在保存更改...","bapply.page.submittingApplication":"正在提交申请...","bapply.page.pleaseComplete":"请完成以下内容：\n{items}","bapply.page.actionRequiredTitle":"需要采取行动","bapply.page.outstandingConditions":"您有未解决的条件需要处理。","bapply.page.loanNotFound":"错误：找不到要更新的贷款。请重试。","bapply.page.savedAt":"已于 {time} 成功保存","bapply.page.applicationSubmitted":"申请已提交！正在跳转到仪表板...","bapply.page.submitErrorPrefixed":"错误：{error}。请重试。","bapply.page.submitFailedDefault":"提交申请失败","bapply.page.networkError":"发生网络错误。请检查您的连接并重试。","bapply.page.docUpdated1003":"1003 已根据您的文件更新。","bapply.page.sectionComingSoon":"第 {step} 部分即将推出...","bapply.page.saveFailedBanner":"保存失败","bapply.page.retry":"重试","bapply.page.dismissError":"忽略错误","bapply.page.walkMeThrough":"引导我完成此步骤","bapply.page.missingDataTitle":"数据缺失警告","bapply.page.missingDataDesc":"某些必填字段不完整或有错误。您可以现在返回修正，或按原样提交——但不完整的申请可能会延迟您的批准。","bapply.page.goBackFix":"返回修正","bapply.page.submitAnyway":"仍然提交","bapply.page.saveFirst":"请先保存您的申请","bloan.backToDashboard":"返回仪表板","bloan.loanNotFound":"未找到贷款","bloan.loanNotFoundOrNoAccess":"此贷款不存在或您没有访问权限。","bloan.notFoundTitle":"未找到","bloan.loanNotExistOrNoAccess":"此贷款不存在或您没有访问权限。","bloan.forbiddenTitle":"禁止è

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1:"Breeze 可以回答一般问题。如需贷款机构特定或法律方面的建议，请联系您的贷款专员。","bloan.leHelpTitle":"向 Breeze 询问您的 Loan Estimate","bloan.leHelpSubtitle":"关于披露、费用、继续办理意向及 TRID 时限的解答。","bloan.leHelpWelcome":"对您的 Loan Estimate 有疑问吗？尽管问——费用是什么意思、利率是如何确定的、表明意向后会发生什么。","bloan.leHelpWelcomeBroker":"对来自 {broker} 的 Loan Estimate 有疑问吗？尽管问——费用是什么意思、利率是如何确定的、表明意向后会发生什么。","bloan.leSuggestWhatIs":"什么是 Loan Estimate？","bloan.leSuggestWhyGetting":"我为什么会收到这个？","bloan.leSuggestIntentMeaning":"“继续办理意向”是什么意思？","bloan.leSuggestNewVersion":"如果签发了新版本会怎样？","bloan.leSuggestFeesBeforeIntent":"在我表明意向之前，我的贷款机构可以收取哪些费用？","bloan.leSuggestRateValid":"此利率有效期多久？","bloan.cdHelpTitle":"向 Breeze 询问您的 Closing Disclosure","bloan.cdHelpSubtitle":"关于交割所需现金、3 天等待期、逐项变更及撤销权的解答。","bloan.cdHelpWelcome":"对您的 Closing Disclosure 有疑问吗？尽管问我任何一项内容、3 天审阅期、交割所需现金，或自您的 Loan Estimate 以来有何变化。","bloan.cdHelpWelcomeBroker":"对来自 {broker} 的 Closing Disclosure 有疑问吗？尽管问我任何一项内容、3 天审阅期、交割所需现金，或自您的 Loan Estimate 以来有何变化。","bloan.cdSuggestWhatIs":"什么是 Closing Disclosure？","bloan.cdSuggestWhy3Days":"我为什么必须等待 3 个工作日？","bloan.cdSuggestDifferFromLe":"这与我的 Loan Estimate 有何不同？","bloan.cdSuggestCashToClose":"什么是“交割所需现金”？","bloan.cdSuggestRescission":"什么是撤销权？","bloan.cdSuggestChangesAtClosing":"在交割时还可能发生哪些变化？","bloan.cdPageTitle":"您的 Closing Disclosure","bloan.cdNotIssued":"您的贷款专员尚未签发 Closing Disclosure。","bloan.cdLatestLabel":"最新的 Closing Disclosure","bloan.cdEarliestClosing":"最早合法交割日期：{date}","bloan.cdTileMonthlyPi":"每月本金和利息","bloan.cdTileInterestRate":"利率","bloan.cdTileCashToClose":"交割所需现金","bloan.cdTileCashToCloseSub":"您在交割时需带来的金额","bloan.cdWorksheetHeading":"交割所需现金工作表","bloan.cdCtcTotalClosingCosts":"总交割费用","bloan.cdCtcCostsPaidBefore":"交割前已支付的交割费用","bloan.cdCtcCostsFinanced":"已融资的交割费用","bloan.cdCtcLenderCredits":"贷款机构抵扣额","bloan.cdCtcDownPayment":"首付款","bloan.cdCtcEarnestDeposit":"诚意金定金","bloan.cdCtcSellerCredits":"卖方抵扣额","bloan.cdCtcFundsForBorrower":"给借款人的资金","bloan.cdCtcOtherAdjustments":"其他调整","bloan.cdCtcCashToCloseRow":"交割所需现金","bloan.cdWorksheetNote":"负值是减少您需带来金额的抵扣额。正值则会增加该金额。","bloan.cdTrustNote":"这是联邦法律要求的交易披露。您对它的访问会被记录以供审计。只有您和您授权的贷款机构团队才能查看此页面。","bloan.lePageTitle":"您的 Loan Estimate","bloan.leStepApplied":"已申请","bloan.leStepLeIssued":"LE 已签发","bloan.leStepReviewed":"已查看","bloan.leStepIntent":"意向","bloan.leDeliveryFailedTitle":"电子邮件发送失败——但您仍可在此处查看","bloan.leDeliveryFailedBodyBefore":"已通知您的贷款专员，此 Loan Estimate 的电子邮件副本未送达您的收件箱","bloan.leDeliveryFailedBodyAfter":"他们正在核对您的联系信息并将重新发送。与此同时，下方提供完整文件。","bloan.leLatestLabel":"最新的 Loan Estimate","bloan.lePdfNotAvailable":"PDF 尚不可用","bloan.leCdAvailable":"Closing Disclosure 已可用","bloan.leCdEarliestClosing":"最早交割 {date}","bloan.leActionNeeded":"需要操作","bloan.leCdBody":"最终条款和完整的交割所需现金工作表。联邦法律规定您在收到与签署之间有 3 个工作日——请在交割前审阅。","bloan.leOpenCd":"打开 Closing Disclosure","bloan.leAwaitingSignature":"等待您的签名","bloan.leEnvelopesSentOne":"已发送 {count} 个待签署信封","bloan.leEnvelopesSentMany":"已发送 {count} 个待签署信封","bloan.leEnvelopesExplainer":"每个信封都已发送至您的电子邮箱。打开签名提供商邮件中的链接以完成签署——或使用下方的直接签名链接（如有

1）。","bloan.leSentToday":"今天发送","bloan.leSentDaysAgoOne":"{days} 天前发送","bloan.leSentDaysAgoMany":"{days} 天前发送","bloan.leEsignRequest":"电子签名请求 \xb7 {provider}","bloan.leOpenSigningPage":"打开签名页面","bloan.leCheckEmail":"查看您的电子邮件","bloan.leDontSeeEmail":"没看到邮件？请检查垃圾邮件，或联系您的贷款专员重新发送。","bloan.leEmptyTitle":"尚未签发任何 Loan Estimate。","bloan.leEmptyBody":"一旦您的贷款专员锁定利率或您提交申请，您的第一份 LE 将在 3 个工作日内显示在此处。","bloan.leQuestionsTitle":"有疑问吗？","bloan.leQuestionsBody":"回复您收到的电子邮件，您的贷款专员会回复您。","bloan.leWorkingWith":"正在与之合作：{broker}","bloan.leSecurePortalTitle":"安全门户","bloan.leSecurePortalBody":"您的访问会被记录以符合合规要求。只有您和授权的贷款机构人员才能查看此页面。","bloan.leWantToLearnMore":"想了解更多吗？","bloan.leCfpbLink":"CFPB Loan Estimate 说明 →","bloan.coSectionEyebrow":"共同借款人部分","bloan.coSectionTitle":"填写您在 1003 中的部分","bloan.coSectionIntro":"主借款人已填写其部分。您的部分较短——姓名 + 身份证件、现住址、工作情况，以及每位借款人都要回答的相同是/否声明。可随时保存；您的经纪人会在提交给贷款机构前审阅完整文件。","bloan.coLastSaved":"上次保存 {when}","bloan.coReturnToDashboard":"返回仪表板","bloan.coNameRequired":"请先填写您的名字和姓氏。","bloan.coFailedToSave":"保存失败","bloan.coCardAboutYou":"关于您","bloan.coFieldFirstName":"名字 *","bloan.coFieldMiddle":"中间名（可选）","bloan.coFieldLastName":"姓氏 *","bloan.coFieldDob":"出生日期 (YYYY-MM-DD)","bloan.coFieldSsn":"SSN (XXX-XX-XXXX)","bloan.coFieldPhone":"电话","bloan.coFieldEmail":"电子邮件（只读）","bloan.coFieldCitizenship":"公民身份","bloan.coFieldMaritalStatus":"婚姻状况","bloan.coSelectPlaceholder":"选择…","bloan.coCitizenUs":"美国公民","bloan.coCitizenPermanent":"永久居民","bloan.coCitizenNonPermanent":"非永久居民","bloan.coMaritalMarried":"已婚","bloan.coMaritalUnmarried":"未婚","bloan.coMaritalSeparated":"分居","bloan.coCardCurrentAddress":"现住址","bloan.coFieldStreet":"街道","bloan.coFieldUnit":"单元（可选）","bloan.coFieldCity":"城市","bloan.coFieldState":"州","bloan.coFieldZip":"邮政编码","bloan.coFieldYearsAtAddress":"在此地址居住年数","bloan.coFieldRentOrOwn":"租住或自有","bloan.coRentOption":"租住","bloan.coOwnOption":"自有","bloan.coOtherOption":"其他","bloan.coCardEmployment":"工作 + 收入","bloan.coFieldEmployer":"雇主","bloan.coFieldPosition":"职位 / 头衔","bloan.coFieldStartDate":"入职日期 (YYYY-MM-DD)","bloan.coFieldMonthlyIncome":"月收入（税前 $）","bloan.coFieldSelfEmployed":"自雇","bloan.coSelfEmployedNo":"否（W-2 雇员）","bloan.coSelfEmployedYes":"是（自雇）","bloan.coFieldOtherIncome":"其他收入 / 月（可选）","bloan.coFieldOtherIncomeSource":"其他收入来源","bloan.coOtherIncomePlaceholder":"租金、赡养费等。","bloan.coCardAssets":"资产","bloan.coCardLiabilities":"负债","bloan.coCardRealEstate":"自有房产","bloan.coFieldLiquidTotal":"流动资产总额（$）——支票账户 + 储蓄","bloan.coFieldRetirementTotal":"退休金总额（$）——401k + IRA","bloan.coAssetsNote":"此处填写大致金额即可。您的经纪人会根据对账单核实确切余额。","bloan.coCardDeclarations":"是 / 否声明","bloan.coDeclJudgments":"您是否有任何未了结的法院判决？","bloan.coDeclBankruptcy":"您在过去 7 年内是否申报过破产？","bloan.coDeclLawsuit":"您目前是否是某项诉讼的当事方？","bloan.coDeclFederalDebt":"您是否拖欠任何联邦债务（税款、学生贷款）？","bloan.coAutoSaveAddName":"添加您的姓名以启用自动保存","bloan.coSaving":"正在保存…","bloan.coSavedAt":"已保存 {when}","bloan.coSaveFailedRetry":"保存失败——点击“保存”重试","bloan.coAutoSaving":"正在自动保存…","bloan.coUpToDate":"已是最新","bloan.coUnsavedEditsSummary":"您在此部分未保存的编辑","bloan.coSaveNow":"立即保存","bloan.coAskVeraLabel":"向 Breeze 询问其中任何字段","bloan.coYes":"是","bloan.coNo":"否","bloan.docsNeededTitle":"您仍需提供的文件","bloan.docsNeededIntro":"这些是您的贷款专员正在等待的文件。请在此处或通过您仪表板上的文件中心上传。提交得越快，您的贷款进展就越快。","bloan.docsNeededAllCaughtUp":"您已全部完成","bloan.docsNeededAllCaughtUpBody":"您的贷款专员目前不需要您提供其他任何内å

1®¹ã€‚如有变化，我们会通知您。","bloan.docsNeededCountOne":"已请求 {count} 份文件","bloan.docsNeededCountMany":"已请求 {count} 份文件","bloan.docsNeededLetterNeeded":"需要说明信","bloan.docsNeededUnderReview":"审查中","bloan.docsNeededDaysWaiting":"已等待 {days} 天","bloan.docsNeededRequestedOn":"请求于 {date}","bloan.docsNeededFromSource":"来自 {source}","bloan.docsNeededUploadTitle":"需要上传吗？","bloan.docsNeededUploadBefore":"请使用","bloan.docsNeededDocumentCenter":"文件中心","bloan.docsNeededUploadAfter":"在您的仪表板上。我们接受 PDF、照片及大多数常见格式。文件在存储时已加密。","bloan.discrepancyDob":"出生日期","bloan.discrepancyLastName":"姓氏","bloan.discrepancyMonthlyIncome":"月收入","bloan.docAcceptedToast":"文件已接受。","bloan.docAcceptFailedToast":"接受失败。","bloan.docAcceptedRow":"{type} — 已接受","bloan.docDiscrepancyBadge":"{count} 处不一致","bloan.docFlagged":"已标记","bloan.docSays":"文件显示","bloan.doc1003Says":"1003 显示","bloan.docAccept":"接受","bloan.docOverride":"覆盖","bloan.docMoreFields":"另外 +{count} 项","bloan.docBackToLoan":"返回贷款","bloan.docReviewEyebrow":"文件审查","bloan.docBatchReconciliation":"批量核对","bloan.docAllGoodSubtitle":"所有文件均无问题——没有低置信度或不匹配的项目。","bloan.docNeedReviewSubtitle":"{count} 份文件需要审查。接受以确认数据，或覆盖检测到的类别。","bloan.docStatNeedsReview":"需要审查","bloan.docStatDiscrepancies":"不一致","bloan.docStatAccepted":"已接受","bloan.docAllGoodTitle":"所有文件均无问题","bloan.docAllGoodBody":"未检测到低置信度分类或数据不一致。","bloan.docBackToCenter":"返回文件中心","bloan.duBackToLoan":"← 贷款","bloan.duTitle":"承保决定","bloan.duSubtitle":"这些事项来自您贷款的承保人。完成它们可推动您的贷款迈向交割。","bloan.duNotReached":"您的贷款尚未进入承保阶段。一旦您贷款机构的承保人审阅您的文件，此页面将显示他们需要您提供的内容。","bloan.duWhatThisMeans":"这对您意味着什么","bloan.duWhatYouNeedToDo":"您需要做什么","bloan.duNoActionItems":"暂无待办事项——您的贷款专员正在审阅承保结果。","bloan.duDecisionInProgress":"承保进行中","bloan.duDecisionApprovedBadge":"已批准","bloan.duDecisionApprovedHeadline":"您的贷款进展顺利","bloan.duDecisionReferBadge":"人工审核","bloan.duDecisionReferHeadline":"您的贷款正å

1œ¨è¿›è¡Œäººå·¥å®¡æ ¸","bloan.duDecisionNeedsActionBadge":"需要操作","bloan.duDecisionNeedsActionHeadline":"您的贷款需要您的关注","bloan.duWhyThisMatters":"为什么这很重要","bloan.duWhatToDo":"该怎么做","bloan.duDueBy":"截止日期 {date}","bloan.duOpenThisItem":"打开此事项 →","bloan.incomeMethodW2Salary":"年薪除以 12。最简单的情况——您的全部工资都计入每月合格收入。","bloan.incomeMethodW2Hourly":"时薪 \xd7 每周小时数 \xd7 每年周数 \xf7 12。加班费、奖金和佣金有各自的平均计算规则，此处不包括在内。","bloan.incomeMethodSelfEmployed":"您最近 2 份纳税申报表的净收入取平均值（Fannie Mae 1084 方法）。年初至今利润仅作合理性核查；不会使合格收入超过 2 年平均值。","bloan.incomeMethodRental":"总租金 \xd7 75%（标准空置/维护折减）\xd7 您的产权比例。净租金收入抵消该房产的 PITI；若 PITI 超过租金的 75%，差额将成为每月负债。","bloan.incomeMethodRetirement":"每月分配金额，但前提是自票据日期起的连续性至少为 36 个月。养老金、IRA 和 401(k) 提取均适用此规则（Fannie B3-3.1-09）。","bloan.incomeMethodMilitary":"基本工资 + BAH（基本住房津贴）+ BAS（基本生活津贴）+ 其他津贴。所有这些均免税且符合上调（gross-up）资格——请咨询您的贷款专员关于 1.25\xd7 系数的事宜。","bloan.incomeMethodOther":"自定义收入来源。合格金额取决于您提供的频率和我们的标准归一化规则。","bloan.incomeTypeW2Salary":"W-2 薪资","bloan.incomeTypeW2Hourly":"W-2 时薪","bloan.incomeTypeSelfEmployed":"自雇","bloan.incomeTypeRental":"出租房产","bloan.incomeTypeRetirement":"退休金分配","bloan.incomeTypeMilitary":"军人","bloan.incomeTypeOther":"其他收入","bloan.incomeLoanNotFoundBody":"我们找不到您要查找的贷款。","bloan.incomeTitle":"您的收入是如何计算的","bloan.incomeIntro":"抵押贷款的合格收入并不总是等同于您的税前工资。以下是您贷款中每项收入来源的逐行计算说明。","bloan.incomeTotalQualifying":"每月合格收入总额","bloan.incomeAcrossSourcesOne":"来自 {count} 个收入来源。","bloan.incomeAcrossSourcesMany":"来自 {count} 个收入来源。","bloan.incomeNoSourcesTitle":"尚无结构化收入来源","bloan.incomeNoSourcesBody":"您的贷款专员尚未将结构化收入来源添加到您的文件中。他们可能直接使用您 1003 申请中的月收入总额。一旦录入收入来源，此页面将显示逐行明细。","bloan.incomePerMonth":"{amount}/月","bloan.incomeCounted":"已计入","bloan.incomeIncomplete":"不完整","bloan.incomeCalculatorNote":"计算器说明：","bloan.incomeFooterQuestionTitle":"对某个数字有疑问吗？","bloan.incomeFooterQuestionBody":"此处的计算遵循 Fannie Mae 和 Freddie Mac 的承保准则。您的贷款专员可以为您详细讲解任何具体计算。","bloan.incomeFooterDtiBody":"这些数字用于计算您的债务收入比（DTI）——即您每月收入中用于偿还债务（包括新抵押贷款）的百分比。大多数贷款方案将 DTI 限制在 43% 至 50% 之间。","bloan.nocNotFoundTitle":"未找到","bloan.nocNotFoundBody":"此通知不存在或您没有访问权限。","bloan.nocBackToCd":"返回 Closing Disclosure","bloan.nocTitle":"取消权通知","bloan.nocSubtitle":"根据《诚实借贷法》（Truth in Lending Act）\xa71635 要求的联邦披露。","bloan.nocNotIssued":"尚未为此贷款签发任何取消权通知。","bloan.nocLatestVersion":"最新版本","bloan.nocVersion":"版本 {version}","bloan.nocIssuedOn":"签发于 {date}","bloan.nocTransactionDate":"交易日期","bloan.nocCancelByMidnight":"在午夜前取消","bloan.crPhaseSchedule":"安排","bloan.crPhaseReview":"审阅","bloan.crPhaseSign":"签署","bloan.crPhaseFund":"放款","bloan.crPhaseClose":"交割","bloan.crFailedToLoad":"加载失败","bloan.crLoading":"正在加载您的交割室…","bloan.crCouldNotLoad":"无法加载交割室","bloan.crVeraAriaLabel":"与 Breeze 的交割日聊天","bloan.crAskVera":"询问 Breeze","bloan.crVeraSuggestPark":"我应该把车停在哪里？","bloan.crVeraSuggestArrive":"我应该几点到达？","bloan.crVeraSuggestCashToClose":"我的交割所需现金金额是多少？","bloan.crVeraSuggestFundAfterSign":"我签署后贷款何时放款？","bloan.crVeraSuggestDelays":"如果有什么事情延误了交割会怎样？","bloan.crVeraSuggestWetDry":"什么是即时交割（wet close）与延迟交割（dry close）？","bloan.crVeraWelcome":"我是 Breeze。今天关于您交割的任何问题都可以问我。","bloan.crEyebrow":"交割室","bloan.crWelcomeNewHome":"欢迎来到您的新家","bloan.crWelcomeName":"欢迎，{name}","bloan.crDateNotSet":"日期尚未确定","bloan.crAskVeraAnchor":"向 Breeze 询问您的交割 →","bloan.crBannerPendingLabel":"等待交割日期","bloan.crBannerPendingDetail":"在您与您的经纪人就交割日期达成一致后，该日期将显示在此处。","bloan.crBannerPastLabel":"贷款已交割","bloan.crBannerPastDetail":"您的交割日期已过。放款 + 登记详情见下方。","bloan.crBannerTodayLabel":"今天交割","bloan.crBannerTodayDetail":"今天就是那一天。最终审阅 + 签署现在进行。","bloan.crBannerSoonLabelO

1ne":"距离交割还有 {days} 天","bloan.crBannerSoonLabelMany":"距离交割还有 {days} 天","bloan.crBannerSoonDetail":"最后冲刺——审阅交割文件包并准备好您的资金。","bloan.crBannerNormalLabel":"距离交割还有 {days} 天","bloan.crBannerNormalDetail":"您正处于交割窗口期。请将此房间作为处理所有交割相关事宜的单一入口。","bloan.crStepPickDate":"1. 选择您的交割日期","bloan.crStepReviewCd":"2. 审阅 Closing Disclosure","bloan.crOpenItemsOne":"{count} 个事项仍需处理","bloan.crOpenItemsMany":"{count} 个事项仍需处理","bloan.crOpenItemsBody":"您的承保人有未处理的请求。请在交割日之前解决这些问题，以免延误签署。","bloan.crViewOpenItems":"查看未处理事项","bloan.crStepSign":"3. 签署交割文件包","bloan.crSignNotOpenTitle":"签署尚未开放","bloan.crSignNotOpenReady":"您的经纪人正在准备交割文件包。一旦可以签署，我们会立即通过电子邮件和推送通知您。","bloan.crSignNotOpenWaiting":"必须先审阅您的 Closing Disclosure。一旦 3 个工作日的等待期结束，签署即开放。","bloan.crSignedTitle":"已签署——干得好！","bloan.crSignedBody":"已于 {when} 签署。接下来开始放款。","bloan.crSignDeclinedTitle":"签署已被拒绝","bloan.crSignDeclinedBody":"请联系您的经纪人——在解决疑虑后您可以重新打开信封。","bloan.crReadyToSignTitle":"准备签署","bloan.crReadyToSignBody":"请预留 15-30 分钟——交割文件包包含多份文件（票据、契据、披露文件）。","bloan.crOpenSigningPortal":"打开签名门户","bloan.crStepNotary":"3a. 安排您的公证人","bloan.crNeedHelp":"需要帮助吗？","bloan.crNeedHelpBody":"交割日涉及许多环节——产权、贷款机构、公证人、您的资金。请联系我们，我们会把一切安排妥当。","bloan.crContactBroker":"联系您的经纪人","bdocs.required":"必填","bdocs.pendingUpload":"待上传","bdocs.whatIsThis":"这是什么？","bdocs.whatIsThisPrompt":'我需要上传"{name}"，但不确定它具体是什么或如何获取。请说明这份文件是什么、为什么我的贷款需要它，以及我在哪里可以找到或申请它。',"bdocs.upload":"上传","bdocs.backToDashboard":"返回仪表板","bdocs.documentCenter":"文件中心","bdocs.headerTitle":"您的贷款文件，集中一处","bdocs.headerSubtitle":"上传工资单、报税表、银行对账单和身份证件。我们对所有文件进行 OCR 识别，并将每个文件归入正确的位置——您无需手动标记任何内容。","bdocs.offlineBanner":"您当前处于离线状态。正在显示上次保存的文件列表——上传已暂停。","bdocs.cachedFrom":"缓存自 {date}","bdocs.verified":"已验证","bdocs.uploaded":"已上传","bdocs.pending":"待处理","bdocs.fileCountOne":"{count} 个文件","bdocs.fileCountMany":"{count} 个文件","bdocs.totalDocs":"文件总数","bdocs.documentCollection":"文件收集","bdocs.collectedCount":"已收集 {collected} / {total}","bdocs.smartUpload":"智能上传","bdocs.smartUploadSubtitle":"拖入任意文件——我们会识别它是什么以及该归入何处。","bdocs.stillNeeded":"仍需提供 ({count})","bdocs.uploadToClear":"上传以完成每一项。","bdocs.submitted":"已提交 ({count})","bdocs.reviewDiscrepancies":"查看差异 →","bdocs.emptyTitle":"尚未上传任何文件","bdocs.emptyDescription":"将文件拖入上方的智能上传区。我们会自动分类并归入正确的位置。","bdocs.readyToSubmit":"可以提交","bdocs.requiredRemainingOne":"还剩 {count} 项必填内容","bdocs.requiredRemainingMany":"还剩 {count} 项必填内容","bdocs.submitHeadingReady":"提交您的文件以供审核","bdocs.submitHeadingAlmost":"就快完成了","bdocs.submitBodyReady":"提交后，您的贷款专员将审核您的文件并提交给您的贷款机构。","bdocs.submitBodyAlmost":"请上传上方剩余的必填项。完成后按钮会自动解锁。","bdocs.submitting":"提交中…","bdocs.submitApplication":"提交申请","bdocs.askVeraLabel":"向 Breeze 询问您还需要哪些文件","bdocs.askVeraPrompt":"请帮我了解我还需要上传哪些文件，以及每份文件的用途。","bdocs.mismatchTitle":"检测到可能的不匹配","bdocs.proceedAnyway":"仍然继续","bdocs.fieldFile":"文件","bdocs.fieldTargeting":"归入目标","bdocs.fieldDetected":"检测到","bdocs.reviewing":"审核中","bdocs.noFilesUploaded":"未上传任何文件","bdocs.toastScanning":"正在扫描 {count} 个文件...","bdocs.toastProcessedOne":"已成功处理 {count} 个文件。","bdocs.toastProcessedMany":"已成功处理 {count} 个文件。","bdocs.toastUnidentified":"无法识别上传的文件。请手动上传到特定类别。","bdocs.toastAnalyzing":"正在分析文件...","bdocs.toastUploadSuccess":"文件上传成功。","bdocs.toastUploadError":"处理文件时出错。","bdocs.toastUploadCancelled":"上传已取消","bdocs.toastSubmitFailed":"提交申请失败。请重试。","bdocs.documentFallback":"文件","bdocs.issueTypeMismatch":"这看起来像是 {detected}（置信度 {confidence}%），但您正将其上传到 {target}。","bdocs.issueLastNameMissing":'在文件中未找到借款人的姓氏"{lastName}"。',"bdocs.issueDobMismatch":"出生日期不匹配：申请显示为 {appDob}，此身份证件显示为 {idDob}。","bdocs.issueIncomeMismatch":"收入不匹配：工资单显示约为 ${detected}/月，但申请显示为 ${reported}/月。","bdocs.esignStatusSent":"已发送——等待签署","bdocs.esignStatusViewed":"已查看——等待签署","bdocs.esignStatusSigned":"已签署","bdocs.esignStatusDeclined":"已拒绝","bdocs.esignStatusExpired":"已过期","bdocs.esignStatusVoided":"已作废","bdocs.esignStatusFailed":"失败","bdocs.esignFrameSubtitle":"电子签名文件包","bdocs.esignMissingEnvelopeTitle":"缺少文件包 id","bdocs.esignMissingEnvelopeBody":"未提供文件包 id。此页面通过 stub 电子签名 URL 进入——如果您是直接到达此处的，这就是问题所在。","bdocs.esignSignInTitle":"登录以继续","bdocs.esignSignInBody":"您需要登录才能查看此签名文件包。","bdocs.esignBorrowerSignIn":"借款人登录","bdocs.esignStaffSignIn":"经纪人 / 贷款专员 / 管理员登录","bdocs.esignForbiddenTitle":"禁止è

1®¿é—®","bdocs.esignForbiddenBody":"您无权访问此签名文件包。","bdocs.esignStubTitle":"eSign stub 文件包","bdocs.esignStubProviderHeading":"Stub 提供商——仅供开发使用","bdocs.esignStubProviderBody":'在生产环境中，一旦选定供应商，此界面将替换为 Dropbox Sign / DocuSign / DocMagic eSign。点击下方的"签署"会触发一个 envelope.signed webhook 事件，使经纪人界面的状态标签变为已签署——这与真实适配器将使用的数据路径相同。',"bdocs.esignProvider":"提供商","bdocs.esignSigner":"签署人","bdocs.esignSent":"已发送","bdocs.esignStatus":"状态","bdocs.esignSignedAt":"签署时间","bdocs.esignBackDisclosures":"← 返回您的披露文件","bdocs.esignBackBrokerLoan":"← 返回经纪人贷款视图","bdocs.recordingSignature":"正在记录签名…","bdocs.signEnvelopeStub":"签署文件包 (stub)","bdocs.fillSubmitFailed":"提交失败 ({status})","bdocs.fillNetworkError":"网络错误","bdocs.fillDoneTitle":"全部完成，{name}！","bdocs.fillDoneBody":"已通知 {brokerName}。他们会很快与您联系。","bdocs.fillGreeting":"您好，{name} \uD83D\uDC4B","bdocs.fillIntro":"{brokerName} 需要一些信息来推进您的贷款：","bdocs.fillLoanAmount":"贷款金额","bdocs.fillLoanAmountHint":"您想借多少钱。","bdocs.fillLoanAmountPlaceholder":"例如 450,000","bdocs.fillPropertyValue":"房产价值","bdocs.fillPropertyValueHint":"对房屋价值的最佳估计。","bdocs.fillPropertyValuePlaceholder":"例如 600,000","bdocs.fillOccupancy":"您将如何使用这处房产？","bdocs.fillSelect":"请选择…","bdocs.fillOccupancyPrimary":"主要住所（我将居住的地方）","bdocs.fillOccupancySecond":"第二住所 / 度假屋","bdocs.fillOccupancyInvestment":"投资 / 出租","bdocs.fillLoanPurpose":"贷款用途","bdocs.fillPurposePurchase":"购买新房","bdocs.fillPurposeRefinance":"为我当前的贷款再融资","bdocs.fillPropertyType":"房产类型","bdocs.fillTypeSingleFamily":"独栋住宅","bdocs.fillTypeCondo":"公寓 (Condo)","bdocs.fillTypeTownhouse":"联排别墅","bdocs.fillTypeMultiFamily":"2-4 单元（多户型）","bdocs.fillTypeManufactured":"预制房屋","bdocs.fillEmail":"电子邮件地址","bdocs.fillEmailHint":"以便您的贷款专员可以联系您。","bdocs.fillEmailPlaceholder":"[email protected]","bdocs.fillSending":"发送中…","bdocs.fillSendToLO":"发送给我的贷款专员","bdocs.fillPrivacyNote":"我们只会将这些信息分享给您的贷款专员。","bdocs.fillLinkNotFoundTitle":"未找到链接","bdocs.fillLinkNotFoundBody":"此链接无效或已被删除。如果您认为这是错误，请联系您的贷款专员。","bdocs.fillLinkExpiredTitle":"链接已过期","bdocs.fillLinkExpiredBody":"此链接已过期。请联系您的贷款专员获取新链接。","bdocs.fillAlreadySubmittedTitle":"已提交","bdocs.fillAlreadySubmittedBody":"谢谢——我们已收到您的信息。已通知您的贷款专员。","bdocs.fillBrokerFallback":"您的贷款专员","bdocs.fillBorrowerFallback":"您好","bdocs.preApprovalEyebrow":"预批准","bdocs.preApprovalHonestTitle":"您的预批准","bdocs.preApprovalHonestSubtitle":"您的正式预批准函来自贷款机构，而非自动估算。您的贷款专员会在您的文件准备就绪后准备并与您分享。","bdocs.preApprovalHowItWorks":"运作方式","bdocs.preApprovalLenderIssues":"贷款机构出具您的预批准","bdocs.preApprovalHonestPara1":"真实的预批准反映了您实际可以据此行动的价格。这些数字——您的利率、还款额和贷款金额——是由贷款机构在审核您的申请后确定的，而不是此屏幕上的估算。","bdocs.preApprovalHonestPara2":"您的贷款专员会整理您的文件，根据您的真实情况为您定价，并分享您可以交给卖家和经纪人的正式预批准函。请与他们联系，他们会着手处理。","bdocs.preApprovalWhatYouGet":"您将获得什么","bdocs.preApprovalGetItem1":"一份由贷款机构出具的函件，您可以在出价时分享。","bdocs.preApprovalGetItem2":"根据您的实际信用、收入和资产审核的价格。","bdocs.preApprovalGetItem3":"一位为您讲解各项数字的贷款专员。","bdocs.preApprovalTalkToLO":"联系您的贷款专员","bdocs.preApprovalTalkToLOBody":"您的贷款专员将准备您的正式预批准并与您分享。","bdocs.preApprovalMessageLO":"给您的贷款专员发消息","bdocs.preApprovalReadyEyebrow":"您的预批准已就绪","bdocs.preApprovalLetterTitle":"您的预批准函","bdocs.preApprovalLetterSubtitle":"您的贷款专员已分享来自贷款机构的正式预批准。请在下方打开，然后在出价时交给卖家和经纪人。","bdocs.preApprovalLenderIssuedLabel":"由贷款机构出具","bdocs.preApprovalLetterFallback":"预批准函","bdocs.preApprovalLetterBody":"这是您真实的、由贷款机构出具的预批准——由您的贷款专员准备并分享。其中的每一个数字都反映了您实际

1可以据此行动的价格。","bdocs.preApprovalFileFallback":"Pre-approval.pdf","bdocs.preApprovalShared":"已于 {date} 分享","bdocs.preApprovalOpenError":"我们无法打开该文件 ({error})。请稍后重试或给您的贷款专员发消息。","bdocs.preApprovalLoading":"加载中…","bdocs.preApprovalView":"查看预批准","bdocs.download":"下载","bdocs.preApprovalQuestions":"对您的预批准有疑问吗？","bdocs.preApprovalQuestionsBody":"您的贷款专员可以为您讲解各项数字和后续步骤。","bdocs.preApprovalRealThing":"货真价实","bdocs.preApprovalRealThingBody":"这份函件直接来自您的贷款机构。卖家和挂牌经纪人会将其视为您有能力完成交割的证明。","bset.allSettings":"所有设置","bset.hubTitle":"设置","bset.hubSubtitle":"管理您的账户和偏好设置。","bset.sectionProfileTitle":"个人资料","bset.sectionProfileDesc":"姓名、电子邮件和电话号码","bset.sectionSecurityTitle":"安全","bset.sectionSecurityDesc":"密码、2FA、密钥和安全问题","bset.sectionNotificationsTitle":"通知","bset.sectionNotificationsDesc":"我们如何以及何时向您更新贷款信息","bset.sectionAppearanceTitle":"外观","bset.sectionAppearanceDesc":"主题和颜色","bset.sectionConnectionsTitle":"连接","bset.sectionConnectionsDesc":"银行账户和已关联的服务","bset.sectionPrivacyTitle":"隐私与数据","bset.sectionPrivacyDesc":"下载或删除您的数据 (CCPA / GDPR)","bset.privacyTitle":"隐私与数据","bset.privacyDescription":"根据加利福尼亚州的 CCPA 和 GDPR，您有权查看、导出或删除您的数据。请使用下方的控件。","bset.privacyRetentionNote":"我们将在 45 天内回复。某些数据是联邦记录保存所必需的 (HMDA、BSA / OFAC、Reg B / ECOA、FCRA)，即使在删除个人偏好后也必须保留。在处理您的请求时，我们会告知您哪些字段需要保留。","bset.appearanceTitle":"外观","bset.appearanceDescription":"调整门户的外观。","bset.themeTitle":"主题","bset.themeDescription":"选择浅色、午夜或纯黑。","bset.themeLight":"浅色","bset.themeMidnight":"午夜","bset.themeTrueBlack":"纯黑","bset.accentColorTitle":"强调色","bset.accentColorDescription":"用于按钮、链接和高亮显示。","b

1set.accentColorAria":"{name} 强调色","bset.colorIndigo":"靛蓝","bset.colorOcean":"海洋","bset.colorForest":"森林","bset.colorSunset":"日落","bset.colorLavender":"薰衣草","bset.connectionsTitle":"连接","bset.connectionsDescription":"已连接到您贷款的银行账户和其他服务。","bset.bankAccountPlaid":"银行账户 (Plaid)","bset.bankAccountDescription":"自动将您的银行余额和对账单填入您的 1003 表格。您可以随时断开连接；断开连接也会删除我们从 Plaid 缓存的数据。","bset.loading":"正在加载…","bset.startApplicationToConnect":"开始一份申请以连接银行。","bset.bankConnected":"银行已连接","bset.bankConnectedNamed":"银行已连接 — {name}","bset.noBankConnected":"未连接银行。您可以从申请的资产部分关联一个。","bset.productAssetReport":"资产报告","bset.productAssetReportPending":"正在提取 2 年的余额记录…","bset.productIncomeVerification":"收入验证","bset.productIncomePending":"正在分析直接存款…","bset.productConsumerReport":"消费者报告","bset.productConsumerPending":"正在构建现金流信号…","bset.productReady":"已就绪","bset.productFailed":"失败 — 请联系您的贷款专员","bset.profileTitle":"个人资料","bset.profileDescription":"您在贷款中的姓名和联系方式。","bset.profileLoadError":"无法加载您的个人资料。","bset.personalInformation":"个人信息","bset.personalInformationDesc":"在您输入时自动保存。用于您的 1003 申请和披露文件。","bset.fieldFirstName":"名字","bset.fieldMiddleName":"中间名","bset.fieldLastName":"姓氏","bset.fieldEmail":"电子邮件","bset.fieldEmailHelp":"更改电子邮件需要验证 — 请联系支持团队。","bset.fieldPhone":"电话","bset.unsavedProfileEdits":"您未保存的个人资料修改","bset.saveFailed":"保存失败。","bset.saving":"正在保存…","bset.saveNow":"立即保存","bset.savedAt":"已保存 {time}","bset.saveFailedRetry":"保存失败 — 点按“保存”以重试","bset.autoSaving":"正在自动保存…","bset.upToDate":"已是最新","bset.securityTitle":"安全","bset.securityDescription":"锁定您的账户。","bset.twoFactorTitle":"双因素认证","bset.twoFactorDescription":"在您的密码之上增加一个身份验证器应用代码。","bset.passkeysTitle":"密钥","bset.passkeysDescription":"使用您的指纹、面容或设备 PIN 登录 — 抗钓鱼且为推荐方式。","bset.securityQuestionsTitle":"安全问题","bset.securityQuestionsDescription":"当您从新设备登录时用作备用验证方式。","bset.recentSignInsTitle":"最近的登录","bset.recentSignInsDescription":"已登录您账户的设备。如果您不认识其中某个设备，请更改您的密码。","bset.passwordTitle":"密码","bset.passwordDescription":"更改密码会使其他设备退出登录。","bset.passwordTooShort":"新密码必须至少包含 8 个字符。","bset.passwordsDoNotMatch":"新密码不一致。","bset.passwordChangeError":"无法更改密码。","bset.currentPassword":"当前密码","bset.newPassword":"新密码","bset.confirmNewPassword":"确认新密码","bset.passwordUpdated":"密码已更新。","bset.changePassword":"更改密码","bset.cancel":"取消","bset.twoFactorEnabled":"2FA 已启用。","bset.disableTwoFactor":"禁用 2FA","bset.disableTwoFactorWarning":"禁用 2FA 意味着您的账户将仅依赖于您的密码和电子邮件验证码。您确定吗？","bset.disabling":"正在禁用…","bset.confirmDisableTwoFactor":"是的，禁用 2FA","bset.loadingShort":"正在加载…","bset.setUpTwoFactor":"设置 2FA","bset.scanWithAuthenticator":"使用 Google Authenticator、Authy 或 1Password 扫描。","bset.twoFactorQrAlt":"2FA 二维码","bset.manualKeyLabel":"手动密钥：","bset.sixDigitCode":"6 位数代码","bset.authenticatorCodeAria":"身份验证器 6 位数代码","bset.verifyAndEnable":"验证并启用","bset.notificationsTitle":"通知","bset.notificationsDescription":"选择我们如何向您更新贷款信息。","bset.channelsTitle":"渠道","bset.savesAutomatically":"自动保存。","bset.emailLabel":"电子邮件","bset.emailDescription":"状态更新、文件请求和重要èŠ

1‚点。","bset.smsLabel":"短信","bset.smsDescription":"仅限时效性提醒 — 利率锁定确认和签名请求。","bset.prefsLoadError":"无法加载偏好设置。","bset.condPrefsLoadError":"无法加载条件偏好设置。","bset.saveFailedToggleReverted":"保存失败 — 开关已还原。","bset.saveFailedTryAgain":"保存失败 — 请重试。","bset.saveFailedShort":"保存失败","bset.conditionNotificationsTitle":"条件通知","bset.conditionNotificationsDescription":"选择当您的贷款专员添加或更新条件时触发哪些提醒。您的贷款专员未启用的渠道将显示为灰色。","bset.condNewEmailLabel":"新条件电子邮件","bset.condNewEmailDesc":"当有新条件添加到您的贷款时","bset.condWeeklyDigestLabel":"每周摘要","bset.condWeeklyDigestDesc":"周日开放事项汇总","bset.condStaleReminderLabel":"陈旧条件提醒","bset.condStaleReminderDesc":"当某个条件 7 天内无任何动态时发送一次提醒","bset.condInAppToastLabel":"下次访问时的应用内提示","bset.condInAppToastDesc":"打开门户时显示的新事项数量","bset.condPushLabel":"推送通知","bset.condPushDesc":"PWA 推送（必须已安装应用）","bset.noLoanAssigned":"尚未分配贷款 — 您的偏好设置已保存，并将在您的贷款专员连接后生效。","bset.voiceAccessibilityTitle":"语音与无障碍","bset.voiceAccessibilityDescription":"控制 Breeze 如何通过您的语音与您互动。","bset.voiceInputLabel":"语音输入 — 让我向 Breeze 口述问题","bset.voiceInputDescription":"使用您浏览器的麦克风。需要浏览器支持。","b

1set.voiceOutputLabel":"语音输出 — 朗读 Breeze 的回答","bset.voiceOutputDescription":"Breeze 的每条消息旁会出现一个播放按钮。","bset.channelNotEnabledTooltip":"您的贷款专员尚未启用此渠道","bset.notEnabledByLoanOfficer":"未由您的贷款专员启用","binfo.resGuidesTitle":"实用指南","binfo.resGuidesDesc":"关于购房、锁定最优利率以及快速提升信用的分步指导。","binfo.resChecklistTitle":"文件清单","binfo.resChecklistDesc":"再也不用手忙脚乱。准确了解即时获批所需的财务记录。","binfo.resGlossaryTitle":"抵押贷款术语表","binfo.resGlossaryDesc":"破解复杂的行业术语。为摊销、托管账户（Escrow）等术语提供清晰明了的定义。","binfo.faqDownPaymentQ":"我需要准备多少首付？","binfo.faqDownPaymentA":"这取决于贷款类型。FHA 贷款最低只需 3.5%，传统贷款通常为 3–5%，符合条件的借款人申请 VA / USDA 贷款可以零首付。您的经纪人会根据您的情况为您讲解各种利弊权衡。","binfo.faqCreditScoreQ":"我需要多少信用评分才能获批？","binfo.faqCreditScoreA":"大多数传统贷款机构要求 620 分以上。FHA 贷款可接受低至 580 分（如有更高首付和补偿因素，可更低）。评分越高，能获得的利率越优惠——争取达到 740 分以上，即可享受最优价格档位。","binfo.faqProcessTimeQ":"整个流程需要多长时间？","binfo.faqProcessTimeA":"从申请到放款，大多数购房交易在 30–45 天内完成交割。最大的变数是文件到位的速度——第一天就备齐所有材料，可缩短一周甚至更长时间。","binfo.faqRateLockQ":"我应该什么时候锁定利率？","binfo.faqRateLockA":"利率每天都在变动。一旦您拿到被接受的报价并确定了能承受的还款额，锁定通常是正确的选择——它消除了在您的文件处于核保期间利率向不利方向变动的风险。您的经纪人会就锁定时机给出建议。","binfo.learningCenter":"学习中心","binfo.heroTitlePrefix":"知识就是","binfo.heroTitleHighlight":"力量","binfo.heroSubtitle":"提供指南、定义和清单，帮助您从开始到交割全程理解您的贷款。","binfo.open":"打开","binfo.commonQuestions":"常见问题","binfo.checklistTitle":"文件清单","binfo.checklistSubtitle":"提前备齐正确的文件可以将您的贷款流程加快数周。以下是您通常需要准备的材料。","binfo.proTip":"专业提示","binfo.proTipBody":"开始申请后，您可以直接在仪表板中上传这些文件。我们的安全门户让您可以轻松地从手机或电脑提交所有材料。","binfo.glossarySubtitle":"解读借贷领域的专业用语。","binfo.glossarySearchPlaceholder":"搜索术语…","binfo.glossarySearchAria":"搜索抵押贷款术语","binfo.glossaryRegionAria":"术语表词条","binfo.glossaryNoResults":"未找到与“{search}”匹配的术语","binfo.glossaryTermsStartingWith":"以 {letter} 开头的术语","binfo.backToResources":"返回资源","binfo.readyNextStep":"准备好迈出下一步了吗？","binfo.glossaryEyebrow":"术语表","binfo.glossaryPlainTitle":"用通俗易懂的语言解释抵押贷款术语","binfo.glossaryPlainSubtitle":"您将在贷款文件中看到的 {count} 个术语。搜索查找特定术语，或滚动浏览完整列表。","binfo.backToDashboard":"返回仪表板","binfo.helpEyebrow":"帮助与导览","binfo.helpTitle":"您需要了解的一切","binfo.helpSubtitle":"用通俗语言介绍借款人门户中每一个页面的指南。使用下方的目录快速跳转，或滚动浏览完整导览。","binfo.watchTheTour":"观看导览","binfo.tableOfContents":"目录","binfo.tocDashboard":"仪表板","binfo.tocLoanStatusPanel":"贷款状态面板","binfo.tocUploadingDocuments":"上传文件","binfo.toc1003Application":"1003 申请表","binfo.tocPricingRateLocks":"定价与利率锁定","binfo.tocAccountSecurity":"账户安全","binfo.tocNotificationsPreferences":"通知与偏好设置","binfo.tocContactingBroker":"联系您的经纪人","binfo.tocTroubleshooting":"故障排除","binfo.secDashboardTitle":"您的仪表板","binfo.secStatusTitle":"贷款状态面板","binfo.secDocumentsTitle":"上传文件","binfo.sec1003Title":"1003 申请表","binfo.secPricingTitle":"定价与利率锁定","binfo.secSecurityTitle":"账户安全","binfo.secSettingsTitle":"通知与偏好设置","binfo.secContactTitle":"联系您的经纪人","binfo.secTroubleshootTitle":"故障排除","binfo.stillStuck":"仍然遇到问题？","binfo.startSpotlightTour":"开始聚光导览","binfo.welcome":"欢迎","binfo.welcomeName":"欢迎，{name}","binfo.getStartedSubtitle":"准备好开始您的贷款申请了吗？您可以现在开始，也可以随时回来继续。","binfo.recommended":"推荐","binfo.begin1003":"开始 1003 申请","binfo.begin1003Desc":"分步完成您的贷款申请。可随时保存并继续。","binfo.startApplication":"开始申请","binfo.skipForNow":"暂时跳过","binfo.skipForNowDesc":"带我去我的仪表板。我稍后再回来填写申请。","binfo.skipToDashboard":"跳转到仪表板","binfo.securePrivate":"安全且私密","binfo.securePrivateDesc":"银行级加密确保您的个人数据安全。","binfo.saveProgress":"保存您的进度","binfo.saveProgressDesc":"现在开始，稍后完成。我们会自动保存您的进度。","binfo.fastPreApproval":"快速预批","binfo.fastPreApprovalDesc":"几分钟内即可获

1得决定，无需等待数天。","binfo.invalidInviteTitle":"邀请链接无效","binfo.invalidInviteBody":"您点击的推荐链接无效或已过期。您仍然可以在下方创建账户或登录。","binfo.createAccount":"创建账户","binfo.heroLine1":"您的房贷，一清二楚。","binfo.heroLine2":"您的档案，安全锁定。","binfo.startHeroSubtitle":"两分钟即可开始。无需预先注册账户，不查询信用，在您选择保存之前也无需提供 SSN 或收入文件。","binfo.startMyApplication":"开始我的申请","binfo.noCreditPull":"不查信用 \xb7 无需承诺 \xb7 约 2 分钟","binfo.inviteBadge":"{name} \xb7 {brokerage} 邀请了您","binfo.phishingLine":"此页面由 {firstName} 专门为您创建。如果这不是您所预期的，请不要继续。","binfo.threeWaysToBegin":"三种开始方式","binfo.pickThePath":"选择适合您的路径。","binfo.pathStartTitle":"开始申请","binfo.pathStartBody":"马上开始。先填写房产和联系信息，注册后再完成其余部分。","binfo.startNow":"立即开始","binfo.pathSetupEyebrow":"先设置","binfo.pathSetupTitle":"先创建账户","binfo.pathSetupBody":"设置您的账户，完成导览，然后从仪表板开始。","binfo.pathReturningEyebrow":"老用户","binfo.pathReturningBody":"已有账户？从上次离开的地方继续。","binfo.howItWorks":"运作方式","binfo.hereToKeys":"从这里到拿到钥匙，只需 3 步。","binfo.step1Title":"告诉我们房产信息","binfo.step1Body":"姓名、联系方式以及您要融资的对象。约 2 分钟。","binfo.step2Title":"创建您的账户","binfo.step2Body":"保存进度。然后是工资单、报税表和银行对账单。","binfo.step3Title":"实时跟踪您的贷款进展","binfo.step3Body":"实时查看评估、产权和贷款机构状态及预计完成时间（ETA）。","binfo.builtOnInfrastructure":"建立在可靠的基础架构之上","binfo.footerLegal":"{company} 是 California Mortgage Solutions, Inc. 提供的一项服务。在 CA 持有 NMLS 牌照。平等住房机会（Equal Housing Opportunity）。","binfo.footerPrivacy":"隐私","binfo.footerTerms":"条款","binfo.previewLoanStatus":"贷款状态","binfo.previewOnTrack":"进展顺利","binfo.previewUnderwriting":"核保中","binfo.previewEtaFriday":"60% — 预计周五","binfo.previewChecklistBank":"2 个月银行对账单","binfo.previewChecklistW2":"最近一份 W-2","binfo.previewChecklistPaystub":"最近一份工资单","binfo.stepN":"第 {n} æ­¥","binfo.vaultHeadline":"像金库一样建造。只有持牌人员才能打开。","binfo.trustGroupIdentity":"身份","binfo.trustGroupEncryption":"加密与隔离","binfo.trustGroupDocuments":"文件","binfo.trustGroupCompliance":"内置合规","binfo.trustGroupReliability":"可靠性","binfo.trustGroupAi":"由人主导的 AI","binfo.trustItemTwoStep":"每个账户都启用两步登录，始终开启。","binfo.trustItemPasskeys":"支持通行密钥和身份验证器应用登录。","binfo.trustItemNewDevice":"检测新设备并即时提醒。","binfo.trustItemTls":"全平台采用 TLS 1.3，并在浏览器中预加载严格传输安全。","binfo.trustItemAes":"存储的凭据采用 AES-256-GCM 加密。","binfo.trustItemIsolation":"经纪公司之间严格隔离。一家公司的数据绝不会被另一家查询。","binfo.trustItemAuditTrail":"完整的审计记录：每次查看、下载和签名都有时间戳并记录操作人。","binfo.trustItemSignatures":"签名记录包含设备和地址证据。","binfo.trustItemCreditMemory":"信用数据仅在内存中处理，绝不写入存储。","binfo.trustItemFingerprint":"基于内容指纹的存储：每个文件只存在一份，无法被悄悄替换。","binfo.trustItemDisclosureTiming":"披露时限自动执行，并记录接收日期。","binfo.trustItemMismo":"采用行业标准的贷款数据格式，发出前先依照官方架构验证。","binfo.trustItemSanctions":"任何提交或导出之前都进行制裁名单筛查。","binfo.trustItemSafeguards":"有书面的联邦保障计划，每笔贷款都有持牌经纪人负责。","binfo.trustItemOffline":"可离线使用。申请保存在你的设备上，恢复联网后自动同步。","binfo.trustItemLanguages":"六种语言。","binfo.trustItemLiveStatus":"来自评估、产权和贷款机构合作方的实时çŠ

1¶æ€ã€‚","binfo.trustItemPiiRedacted":"任何文件在送达 AI 模型之前，个人身份信息都会被去除。","binfo.trustItemPeopleDecide":"AI 负责阅读和整理；每一项决定都由持牌人员做出。","binfo.trustItemKillSwitch":"一个开关即可在全平台关闭云端 AI。","binfo.trustReadMore":"阅读完整的安全细节。","binfo.whoHeading":"你的合作对象","binfo.whoPersonEyebrow":"你的联系人","binfo.whoBrokerageEyebrow":"你的经纪公司","binfo.whoLicensedIn":"持有 {states} 执照","binfo.licenseNmls":"NMLS #{id}","binfo.licenseDre":"{state} DRE #{id}","binfo.returningEmailPlaceholder":"电子邮件地址","binfo.continue":"继续","binfo.miniStreet":"街道地址","binfo.miniUploadHint":"将文件拖到这里或点按上传","security.eyebrow":"安全","security.intro":"Unified Loan System 如何保护借款人的档案：说得清楚，也说得完整。本页的每一项在写下之前都已对照运行中的平台核实；无法核实的内容一律省略，而不是改用模糊的说法。","security.diagramTitle":"你的信息去向","security.diagramBorrower":"ä½ ","security.diagramTransit":"传输中加密","security.diagramFile":"你的经纪公司的隔离档案","security.diagramLogged":"每次访问都有记录","security.specTitle":"完整规格","security.vendorSentence":"我们的托管和数据合作方持有 SOC 2 Type II 报告。Unified Loan System 本身尚未完成 SOC 2 审计。","security.omittedNote":"凡是我们无法核实的内容都不会出现在本页，也绝不会为了保留而改写措辞。","binfo.uwSubmittedEyebrow":"已提交","binfo.uwSubmittedTitle":"您的文件已提交","binfo.uwSubmittedBody":"您的贷款专员正在审核您的文件，并将提交给您的贷款机构。一有更新，我们会立即通知您。","binfo.uwReviewEyebrow":"审核中","binfo.uwReviewTitle":"您的文件正在审核中","binfo.uwReviewBody":"您的贷款专员正在为您的贷款机构准备您的文件。一有更新，我们会立即通知您。","binfo.uwSeniorEyebrow":"高级核保员","binfo.uwUnderwriterEyebrow":"核保员审核","binfo.uwSeniorTitle":"高级核保员审核","binfo.uwUnderwriterTitle":"申请审核中","binfo.uwSeniorBody":"对您已满足的条件进行最终审核。他们一旦签字确认，我们会立即通知您——通常在 1–2 个工作日内。","binfo.uwUnderwriterBody":"一位真人核保员正在审核您的文件。一旦有新条件出现或文件通过，我们会立即通知您。","binfo.uwClearEyebrow":"可交割","binfo.uwClearTitle":"您已获得交割许可！","binfo.uwClearBody":"恭喜——所有条件均已签字确认。您的贷款专员将在 24 小时内与您联系，安排交割相关事宜。","binfo.actionRequired":"需要操作","binfo.conditionToClearOne":"{count} 项条件待满足","binfo.conditionsToClear":"{count} 项条件待满足","binfo.uwConditionsBody":"核保员发现有几项需要补充材料。请在下方上传每一份所需的文件——所有条件一满足，您的贷款便会继续推进。","binfo.fromUnderwriter":"来自核保员","binfo.newRequirements":"新要求","binfo.initialAusFindings":"AUS 初步结果","binfo.fromAutomatedUnderwriter":"来自自动核保系统","binfo.readyToResubmit":"可重新提交","binfo.almostThere":"即将完成","binfo.allConditionsSatisfied":"所有条件均已满足","binfo.conditionRemainingOne":"剩余 {count} 项条件","binfo.conditionsRemaining":"剩余 {count} 项条件","binfo.resubmitReadyBody":"将文件退回给核保员进行最终审批。他们通常在 1–2 个工作日内通过。","binfo.resubmitPendingBody":"上传上方剩余的项目。所有项目满足后，按钮会自动解锁。","binfo.submitUpdatesForReview":"提交更新以供审核","binfo.onFile":"已存档","binfo.documentSubmittedOne":"已提交 {count} 份文件","binfo.documentsSubmitted":"已提交 {count} 份文件","binfo.fileCountOne":"{count} 个文件","binfo.fileCount":"{count} 个文件","binfo.verified":"已验证","binfo.underReview":"审核中","binfo.satisfied":"已满足","binfo.typeOrDictate":"在下方输入或口述您的说明","binfo.explanationSubmitted":"说明已提交","binfo.explainPlaceholder":"向您的贷款专员说明情况…","binfo.listening":"正在聆听…","binfo.submitExplanation":"提交说明","binfo.uploadToSatisfy":"上传以满足此条件","binfo.analyzingApplication":"正在分析您的申请…","binfo.aiUnderwriterReviewing":"我们的 AI 核保系统正在审核您的文件。","binfo.underwriting

1Cleared":"核保已通过","binfo.approvedLoanOptions":"您已获批的贷款方案","binfo.loanOptionsSubtitle":"根据您的收入、债务和信用，以下是您符合条件的所有方案。调整下方的首付滑块——每个方案都会实时重新定价。","binfo.metricMonthlyIncome":"月收入","binfo.metricMonthlyDebts":"每月债务","binfo.metricDtiRatio":"DTI 比率","binfo.metricAboveConvCap":"超过传统贷款上限","binfo.metricWithinConvLimits":"在传统贷款限额内","binfo.metricLtvRatio":"LTV 比率","binfo.metricPmiApplies":"通常需缴纳 PMI","binfo.metricBelowPmiThreshold":"低于 PMI 门槛","binfo.downPayment":"首付","binfo.adjustLiveRepricing":"调整以查看实时重新定价","binfo.sliderMinFha":"3%（FHA 最低）","binfo.sliderNoPmi":"20%（无 PMI）","binfo.eligiblePrograms":"{count} 个符合条件的方案","binfo.bestMatch":"最佳匹配","binfo.programLabel":"方案","binfo.rateLabel":"利率","binfo.thirtyYrFixed":"30 年固定","binfo.programTerm":"期限","binfo.thirtyYears":"30 年","binfo.estMonthlyPi":"预计每月本息（P&I）","binfo.providedAtLock":"锁定利率时提供","binfo.selectThisLoan":"选择此贷款","binfo.lowestPayment":"适合您情况的最低还款额","binfo.wantSecondOpinion":"想听听第二种意见？","binfo.notSureWhichToPick":"不确定该选哪一个？","binfo.loTradeoffsBody":"您的贷款专员可在 5 分钟内为您讲解各种权衡——还款额 vs. 交割所需现金、固定利率 vs. ARM，以及何时支付折扣点（points）才真正划算。","brate.noApplicationTitle":"尚无申请","brate.noApplicationBody":"从仪表板开始您的申请。申请启动后，您的贷款专员可以为您讲解利率和各项选择。","brate.rateSheetTitle":"实时批发利率","brate.rateSheetSubtitle":"我们贷款机构网络中可获得的最优价格。您的个性化利率取决于信用、LTV、自住情况和贷款方案——开始申请即可获得真实报价。","brate.rateSheetTableTag":"各方案最优利率","brate.asOfUpdated":"已更新","brate.marketAverageTitle":"全国平均抵押贷款利率","brate.marketAverageSubtitle":"房地美的每周主要抵押贷款市场调查——典型借款人看到的全国平均水平，而非个性化报价。您一申请，我们就会按您的实际情况定价。","brate.marketAverageTableTag":"全国平均 \xb7 Freddie Mac PMMS","brate.asOfWeekOf":"本周起始于","brate.defaultTitle":"今日抵押贷款利率","brate.defaultSubtitle":"随着我们贷款机构网络的更新，实时价格会在此发布。同时，几分钟内即可获得个性化报价——开始时无需查询信用。","brate.eyebrowMortgageRates":"抵押贷款利率","brate.personalizedHeading":"您的利率是个性化的","brate.personalizedBody":"并不存在单一的“今日利率”。您的利率取决于您的信用、贷款金额、首付、房产和贷款方案。开始申请，贷款专员将按您的实际情况定价——开始时无需查询信用。","brate.ctaPersonalizedQuote":"获取您的个性化报价","brate.ctaTalkToLoanOfficer":"联系贷款专员","brate.rateActionsLabel":"利率操作","brate.alertsEyebrow":"关注市场","brate.alertsTitle":"利率提醒","brate.alertsBodyOff":"告诉我们您的目标，当值得一谈时我们会发邮件通知您。绝无干扰——只有有用的提醒。","brate.alertsBodyOn":"告诉我们您的目标利率，一旦有任何方案低于该利率，我们会立即发邮件通知您。绝无干扰——只有有用的提醒。","brate.alertsCta":"设置提醒","brate.lockEyebrowOff":"锁定您的利率","brate.lockEyebrowOn":"锁定今日利率","brate.lockTitle":"锁定利率","brate.lockBodyOff":"定价后，您的贷款专员可以在您的文件办理完成期间为您锁定利率。","brate.lockBodyOn":"对所见满意吗？您的贷款专员可以在您的文件办理完成期间为您锁定利率，最长可达 60 天。","brate.lockCta":"申请锁定利率","brate.adviceEyebrow":"与真人交流","brate.adviceTitle":"专家建议","brate.adviceBody":"不确定哪种方案适合您——VA、FHA、传统贷款还是 ARM？给您的贷款专员发消息，获得真实的答复。","brate.adviceCta":"给您的贷款专员发消息","brate.whyNoSingleRateTitle":"我们为何不公布单一利率","brate.whyNoSingleRateBody":"一个您实际上无法采用的利率毫无用处。您的真实利率会随信用、LTV、自住情况、房产类型、托管账户选择以及该方案在二级市场的相关交易而变动。您一旦开始申请，我们就会按您的实际情况定价，您的贷款专员会与您一起处理利率。","brate.close"

1:"关闭","brate.finishApplicationTitle":"请先完成您的申请","brate.finishApplicationBodyOff":"为计算您的个性化利率，我们需要您贷款申请（1003 表）中的一些信息。只需几分钟——您可以随时保存并继续。","brate.finishApplicationBodyOn":"为显示您的个性化利率，我们需要您贷款申请（1003 表）中的一些信息。只需几分钟——您可以随时保存并继续。","brate.startApplication":"开始申请","brate.eyebrowTodaysRates":"今日利率","brate.fetchingPricing":"正在获取最新价格…","brate.livePricing":"实时价格","brate.ctaCustomRate":"获取您的专属利率","brate.loadingRates":"正在加载利率…","brate.todaysRateSheet":"今日利率表","brate.ratesHeading":"利率","brate.asOf":"截至 {date}","brate.tableCaption":"实时抵押贷款利率表","brate.colLoanProgram":"贷款方案","brate.colRate":"利率","brate.colPoints":"点数","brate.colEstPayment":"预估还款*","brate.colActions":"操作","brate.mobileListLabel":"抵押贷款利率方案","brate.statPmtPerMo":"每月还款","brate.apply":"申请","brate.estPaymentFootnote":"* 按所示利率计算的 {amount} 贷款的预估每月本金与利息。不含税费、保险和 PMI。您的实际利率取决于信用、LTV、自住情况和方案资格。","brate.whyDiffersTitle":"您的利率为何可能与表格不同","brate.whyDiffersBody":"上述数字仅为市场参考，并非个性化报价。您的利率会随信用、LTV、自住情况、房产类型、托管账户选择以及该方案在二级市场的相关交易而变动。您一旦开始申请，我们就会按您的实际情况重新定价。","brate.loadingTodaysRates":"正在加载今日利率…","brate.emptyTitle":"实时价格即将推出","brate.emptyBody":"随着我们贷款机构网络的更新，今日利率会在此发布。同时，获取一份针对您情况量身定制的利率——只需几分钟，开始时无需查询信用。","brate.emptyCta":"获取个性化报价","bchat.suggestBorrowerAfterSubmit":"提交申请后会发生什么？","bchat.suggestBorrowerUnderwritingTime":"核保通常需要多长时间？","bchat.suggestBorrowerClosingDocs":"交割时我需要哪些文件？","bchat.suggestBorrowerRateDetermined":"我的利率是如何确定的？","bchat.suggestBrokerLoansAtRisk":"哪些贷款存在风险？","bchat.suggestBrokerNotContacted":"谁已经一周没有联系了？","bchat.suggestBrokerStatusUpdate":"为我最旧的文件起草一份状态更新","bchat.suggestBrokerPipelineSummary":"按阶段汇总我的业务管道","bchat.welcomeBroker":"向我询问关于您业务管道的问题。","bchat.heroTitleBroker":"您好，我是 Breeze。我能为您的业务管道提供什么帮助？","bchat.welcomeBorrower":"向我询问关于您申请的问题。","bchat.heroTitleBorrower":"您好，我是 Breeze。我能为您的申请提供什么帮助？","bchat.prettyApplication":"您的申请","bchat.prettyLoans":"您的贷款","bchat.prettyDocuments":"您的文件","bchat.prettyDashboard":"您的仪表板","bchat.prettyHelpPage":"帮助页面","bchat.prettyAccount":"您的账户","bchat.prettyPipeline":"您的业务管道","bchat.prettyPeopleList":"您的人员列表","bchat.prettyOutreach":"外联","bchat.prettyAnalytics":"分析","bchat.prettySettings":"设置","bchat.prettyAdmin":"管理","bchat.backTo":"返回{name}","bchat.mortgageAi":"抵押贷款 AI","bchat.loadingYourChat":"正在加载您的聊天…","bchat.brokerFooter":"您的业务管道。您的声音。您的 Breeze——专为达成更多交割的经纪人打造。","bchat.copied":"已复制{label}！","bchat.labelPhone":"电话","bchat.labelEmail":"电子邮件","bchat.loanOfficer":"贷款专员","bchat.noteHeading":"备注","bchat.urgentNote":"如有关于锁定利率到期的紧急事项，请直接拨打办公室电话。","bchat.prefillRateAlert":"您好——我想设置一个利率提醒。我的目标利率是 [program] 的 X.XX%。一旦达到，能否立即通知我？","bchat.prefillRateLock":"您好——我想锁定一个利率。目前哪些项目最适合我的情况，有哪些锁定期可供选择？","bchat.prefillAdvice":"您好——能否帮我说明哪种贷款项目最适合我的情况？我正在权衡 FHA / VA / 常规贷款 / ARM，很想听听您的看法。","bchat.sentAttachment":"\uD83D\uDCC1 已发送附件：{name}","bchat.fileSentSuccess":"文件发送成功！","bchat.transcriptCopied":"聊天记录已复制到剪贴板","bchat.dateToday":"今天","bchat.dateYesterday":"昨天","bchat.searchPlaceholder":"搜索消息...","bchat.refreshChat":"刷新聊天","bchat.copyTranscript":"复制聊天记录","bchat.noMessagesMatching":"未找到与“{query}”匹配的消息","bchat.noMessagesYet":"暂无消息","bchat.emptyStartConversation":"与您的贷款专员开始对话，提出问题或获取最新进展。","bchat.attachFile":"添加附件","bchat.typeAMessage":"输入消息...","bchat.defaultBrokerName":"我的经纪人","bchat.broker":"经纪人","bchat.yourBroker":"您的经纪人","bchat.online":"在线","bchat.typicalReplyTime":"通常回复时间：1 小时","bchat.startConversationBroker":"与您的经纪人开始对话吧！","bmisc.eyebrowBorrower":"借款人","bmisc.signIn":"登录","bmisc.loading":"加载中…","bmisc.emailAddress":"电子邮件地址","bmisc.emailPlaceholder":"[email protected]","bmisc.forgotTitle":"重置您的密码","bmisc.forgotSubtitle":"输入您的电子邮件，我们将发送重置链接。该链接将在 

11 小时后失效。","bmisc.forgotRememberedIt":"想起来了？","bmisc.forgotSentSuccess":"如果该电子邮件已登记，重置链接即将送达。请查看您的收件箱（以及垃圾邮件文件夹）。","bmisc.forgotSendAnother":"再发送一个","bmisc.forgotSendResetLink":"发送重置链接","bmisc.forgotErrorGeneric":"出了点问题。请重试。","bmisc.forgotErrorNetwork":"无法发送重置邮件。请检查您的网络连接后重试。","bmisc.resetInvalidTitle":"无效链接","bmisc.resetInvalidSubtitle":"此密码重置链接缺少必需的参数。","bmisc.resetRequestNewLink":"申请新链接","bmisc.resetInvalidBody":"此链接似乎已损坏或不完整。请申请一个新的重置链接。","bmisc.resetPasswordsMismatch":"两次输入的密码不一致。","bmisc.resetCouldNotReset":"无法重置密码。此链接可能已失效。","bmisc.resetNetworkError":"出了点问题。请检查您的网络连接后重试。","bmisc.resetDoneTitle":"密码已更新","bmisc.resetChooseTitle":"选择新密码","bmisc.resetDoneSubtitle":"您的密码已更改。所有现有会话均已退出登录。","bmisc.resetChooseSubtitle":"请设置一个强密码——至少 8 个字符。","bmisc.resetSignInNewPassword":"使用新密码登录","bmisc.resetLinkExpired":"链接已失效？","bmisc.resetRequestNewOne":"申请一个新的","bmisc.resetDoneAlert":"密码更新成功。请在下方登录以返回您的贷款。","bmisc.resetNewPasswordLabel":"新密码","bmisc.resetNewPasswordPlaceholder":"至少 8 个字符","bmisc.resetConfirmLabel":"确认密码","bmisc.resetConfirmPlaceholder":"再次输入密码","bmisc.resetUpdatePassword":"更新密码","bmisc.verifyEyebrow":"电子邮件验证","bmisc.verifyConfirming":"正在确认您的电子邮件…","bmisc.verifyTitleSuccess":"您已通过验证","bmisc.verifyTitleError":"无法确认电子邮件","bmisc.verifyIsConfirmed":"已确认。","bmisc.verifyMissingToken":"此链接缺少验证令牌。请在下方申请一个新的。","bmisc.verifyConfirmedMsg":"您的电子邮件已确认。欢迎加入。","bmisc.verifyCouldNotConfirm":"我们无法确认此链接。它可能已失效。","bmisc.verifyNetworkError":"验证时出现网络错误。请稍后重试。","bmisc.verifyEnterValidEmail":"请先输入有效的电子邮件。","bmisc.verifyResendSent":"已发送。请查看您的收件箱（以及垃圾邮件文件夹）。","bmisc.verifyResendFailed":"目前无法重新发送。","bmisc.verifySignedInAsBefore":"您当前登录身份为","bmisc.verifySignedInAsAfter":"——请退出登录以使用您刚刚验证的账户。","bmisc.verifySignOutAndSwitch":"退出登录并切换","bmisc.verifyStaySignedIn":"继续以 {email} 身份登录","bmisc.verifyContinueSignIn":"继续登录","bmisc.verifyAutoRedirecting":"{countdown} 秒后自动跳转…","bmisc.verifySendFreshLink":"发送新链接","bmisc.verifySending":"正在发送…","bmisc.verifyResend":"重新发送","bmisc.verifySignInInstead":"改为登录","bmisc.verifyWrongEmailSignUp":"电子邮件有误？重新注册","bmisc.notifTitle":"通知","bmisc.notifOfflineCached":"离线——显示您最近缓存的 20 条通知。","bmisc.notifOfflineStale":"您处于离线状态——通知可能不是最新的。","bmisc.notifUnreadSwipe":"{unread} 条未读——向右滑动标记为已读","bmisc.notifAllCaughtUp":"全部已处理","bmisc.notifMarkAllRead":"全部标记为已读","bmisc.notifFilter_all":"全部","bmisc.notifFilter_unread":"未读","bmisc.notifFilter_loan":"贷款","bmisc.notifFilter_document":"文件","bmisc.notifFilter_compliance":"合规","bmisc.notifEmptyAll":"暂无通知。","bmisc.notifEmptyFiltered":"没有 {filter} 通知。","bmisc.notifToday":"今天","bmisc.notifYesterday":"昨天","bmisc.coEyebrow":"共同借款人","bmisc.coInviteEyebrow":"共同借款人邀请","bmisc.coLoadingTitle":"正在加载邀请…","bmisc.coInvalidLink":"无效的邀请链接","bmisc.coAcceptFailed":"接受邀请失败","bmisc.coUnavailableTitle":"邀请不可用","bmisc.coUnavailableSubtitle":"此链接已失效。","bmisc.coUnavailableBody":"请主借款人发送新的邀请。每个链接仅可使用一次，有效期为 7 天。","bmisc.coReturnHome":"返回首页","bmisc.coExpiredTitle":"邀请已过期","bmisc.coExpiredBody":"此邀请已超过 7 天的有效期。请 {name} 发送新的邀请。","bmisc.coRevokedTitle":"邀请已撤销","bmisc.coRevokedBody":"主借款人已撤销此邀请。如果是误操作，请 {name} 发送新的邀请。","bmisc.coAlreadyAcceptedTitle":"已接受","bmisc.coAlreadyAcceptedBody":"此邀请已被接受。请登录以继续您的申请。","bmisc.coWrongAccountTitle":"账户有误","bmisc.coWrongAccountSubtitle":"邀请已发送至另一个电子邮件。","bmisc.coWrongAccountBefore":"您当前登录身份为","bmisc.coWrongAccountMiddle":"，但此邀请已发送至","bmisc.coWrongAccountAfter":"。请退出登录并使用受邀的电子邮件登录以接受邀请。","bmisc.coSigningOut":"正在退出登录…","bmisc.coSwitchAccounts":"切换账户","bmisc.coInviteTitle":"{name} 邀请您加入其抵押贷款申请","bmisc.coSomeone":"某人","bmisc.coInviteSubtitleBefore":"您已被添加为","bmisc.coInviteSubtitleAfter":"在一份贷款申请中。请点击下方创建æ

1‚¨çš„账户或登录。","bmisc.coDetailInvitedBy":"邀请人","bmisc.coUnknown":"（未知）","bmisc.coDetailYourRole":"您的角色","bmisc.coDetailSentTo":"发送至","bmisc.coDetailExpiresIn":"有效期至","bmisc.coDayOne":"{n} 天","bmisc.coDayMany":"{n} 天","bmisc.coWhatNextTitle":"接下来会怎样？","bmisc.coWhatNextBody":"接受后，您将进入贷款申请，填写属于您的部分——收入、工作、资产，以及 {name} 回答过的相同身份验证问题。我们绝不会将您的信息分享给贷款申请之外的任何人。","bmisc.coCreateAccount":"创建我的账户","bmisc.coHaveAccount":"我已有账户","bmisc.coAccepting":"正在接受…","bmisc.coAcceptInvitation":"接受邀请","bsharedA.autofilledFromLastLoan":"已根据您的上一笔贷款自动填充","bsharedA.lastLoan":"上一笔贷款","bsharedA.clearAutofilledValue":"清除 {fieldKey} 的自动填充值","bsharedA.aiLoanAdvisor":"AI 贷款顾问","bsharedA.askAboutYourLoan":"询问有关您贷款的问题…","bsharedA.send":"发送","bsharedA.biometricDeleteError":"无法删除生物识别数据","bsharedA.biometricNoneOnFile":"没有存档的生物识别数据 — 无需删除。","bsharedA.biometricDeletedOne":"已删除 {count} 条验证记录。","bsharedA.biometricDeletedMany":"已删除 {count} 条验证记录。","bsharedA.deleteBiometricData":"删除生物识别数据","bsharedA.biometricExplainer":"Unified Loan System 执行人脸匹配身份验证，以在交易完成时保护您免受电汇欺诈。您可以随时请求立即删除您的面部照片和提取的面部裁剪图。验证元数据（数字相似度评分以及检查运行时间的审计日志）将根据抵押贷款记录保存要求予以保留。","bsharedA.biometricConfirm":"您确定吗？此操作无法撤销。","bsharedA.deleting":"正在删除…","bsharedA.yesDelete":"是的，删除","bsharedA.couldNotLoadConditions":"无法加载您的条件。","b

1sharedA.tryAgain":"重试","bsharedA.blockingYourLoan":"阻碍您的贷款","bsharedA.seeAllConditions":"查看所有条件","bsharedA.brokeredBy":"经纪方","bsharedA.backupCardRemoveConfirm":"移除存档的付款卡？您的经纪人将无法再用它支付任何第三方费用。如有需要，您可以稍后保存新卡。","bsharedA.backupCardRemoveError":"无法移除卡","bsharedA.backupCardRemovedTitle":"卡已移除","bsharedA.backupCardRemovedMsg":"存档的付款卡已被删除。","bsharedA.paymentCardOnFile":"存档的付款卡","bsharedA.backupCardHeldDesc":"作为备用保留。除非您的贷款未能完成，否则不会扣费，且仅针对代您支付的实际费用。","bsharedA.cardGeneric":"卡","bsharedA.cardEnding":"{brand} 尾号 {last4}","bsharedA.cardSavedAuthorized":"保存于 {date} \xb7 授权额度最高 {amount}","bsharedA.backupCardNoAuth":"您的经纪人尚未记录您的书面或录音授权。在此之前，您的卡不会被扣费。","bsharedA.removing":"正在移除…","bsharedA.removeCardOnFile":"移除存档的卡","bsharedA.backupCardRemoveNote":"您可以随时移除此卡。如果已经发起扣费，移除不会撤销该扣费；请联系您的经纪人。","bsharedA.checkingDisclosureStatus":"正在检查披露状态…","bsharedA.closingDisclosureReady":"成交披露已就绪","bsharedA.versionLabel":"版本 {version}","bsharedA.issuedOn":"签发于 {date}","bsharedA.reviewed":"已审阅","bsharedA.actionNeeded":"需要操作：{title}","bsharedA.earliestLegalClosingDate":"最早的合法成交日期：{date}","bsharedA.daysFromTodayOne":"（距今 {days} 天）","bsharedA.daysFromTodayMany":"（距今 {days} 天）","bsharedA.threeBusinessDayNotice":"。联邦法律要求在披露与签署之间至少间隔 3 个工作日 — 请利用这段时间仔细审阅文件，并在成交前提出疑问。","bsharedA.cashToClose":"成交所需现金","bsharedA.whatYoullBringToClosing":"您将在成交时带来的款项","bsharedA.reviewYourClosingDisclosure":"审阅您的成交披露","bsharedA.todayIsClosingDay":"今天是成交日","bsharedA.oneDayUntilClosing":"距成交还有 1 天","bsharedA.daysUntilClosing":"距成交还有 {days} 天","bsharedA.closingPreparation":"成交准备","bsharedA.closingPortal":"成交门户","bsharedA.openClosingPortal":"打开成交门户","bsharedA.skipTour":"跳过导览","bsharedA.welcomeToVerispect":"欢迎使用 Unified Loan System","bsharedA.tourHeadlineNamed":"你好 {name} — 让我们","bsharedA.tourHeadlineGeneric":"让我们","bsharedA.tourHeadlineHighlight":"推进您的贷款。","bsharedA.tourSubtitle":"用 60 秒导览仪表板、申请和文件中心 — 让您在开始之前清楚地了解一切的位置。","bsharedA.stat100Digital":"100% 数字化","bsharedA.statNoPaper":"无纸张，无传真","bsharedA.statBankGrade":"银行级安全","bsharedA.statGlba":"GLBA + 256 位","bsharedA.statAvgClose":"平均约 30 天成交","bsharedA.statFromApplication":"从申请开始","bsharedA.yourLoanEndToEnd":"您的贷款，从头到尾","bsharedA.stageApply":"申请","bsharedA.stageVerify":"验证","bsharedA.stageUnderwrite":"核保","bsharedA.stageDisclose":"披露","bsharedA.stageClose":"成交","bsharedA.inTheTourWellSpotlight":"在导览中，我们将重点介绍","bsharedA.highlightDashboardLabel":"您的仪表板","bsharedA.highlightDashboardDesc":"状态面板 + 待处理请求","bsharedA.highlightRatesLabel":"今日利率","bsharedA.highlightRatesDesc":"实时利率表 + 提醒","bsharedA.highlightCalculatorsLabel":"计算器","bsharedA.highlightCalculatorsDesc":"还款 + 负担能力","bsharedA.highlightAppDocsLabel":"申请 + 文件","bsharedA.highlightAppDocsDesc":"1003 向导 + 上传","bsharedA.highlightLoanOptionsLabel":"贷款选项","bsharedA.highlightLoanOptionsDesc":"您符合资格的项目","bsharedA.highlightSettingsLabel":"账户设置","bsharedA.highlightSettingsDesc":"通知 + 隐私","bsharedA.exploreOnMyOwn":"我自己探索","bsharedA.watchVideoTour":"观看视频导览","bsharedA.loadingYourDashboard":"正在加载您的仪表板…","bsharedA.stopAnytimeWith":"随时可以停止，使用","bsharedA.orClickingOutside":"或点击高亮区域之外。","bsharedA.pricingSendError":"无法发送：{error}","bsharedA.pricingSendErrorFallback":"请重试，或致电您的贷款专员","bsharedA.letsTalkAboutYourRate":"我们来谈谈您的利率","bsharedA.pricingRateExplainer":"您的利率取决于您的整体财务状况，并随市场每天变动。与其向您展示一个无法锁定的数字，不如让您的贷款专员与放贷方一起为您的贷款定价，并为您讲解真实的选择 — 您将在贷款估算单上以书面形式获得您的利率。","bsharedA.noSurpriseNumbers":"没有意外的数字 — 只有来自真人的真实报价。","b

1sharedA.messageSentToLoanOfficer":"消息已发送给您的贷款专员","bsharedA.followUpDirectly":"他们将直接与您跟进。如有任何紧急事项，请使用上方的卡片致电或发送电子邮件给他们。","bsharedA.sendAnotherMessage":"发送另一条消息","bsharedA.askAboutRateOrOptions":"询问您的利率或选项","bsharedA.sendQuestionGetBack":"向您的贷款专员发送问题，他们会回复您。","bsharedA.pricingMessagePlaceholder":"您好，我想了解我的利率和每月还款选项，关于…","bsharedA.sending":"正在发送…","bsharedA.sendToLoanOfficer":"发送给贷款专员","bsharedA.generalQuestionAssistant":"对流程有一般性问题吗？点击角落的助手 — 它可以解释步骤和文件，但有关您具体利率或批准的任何事项都由您的贷款专员处理。","bsharedA.wholesalePricing":"批发定价","bsharedA.todaysPricing":"今日定价","bsharedA.todaysPricingSubtitle":"今日定价来自您经纪人的批发利率表，并根据您的具体贷款情况计算。请与您的经纪人讨论锁定适合您的利率。","bsharedA.pullingTodaysPricing":"正在获取今日定价…","bsharedA.noAccessToLoan":"您无权访问此贷款。","bsharedA.pricingFailedToLoad":"定价加载失败。","bsharedA.noEligibleProducts":"目前没有符合条件的产品","bsharedA.noEligibleProductsBody":"存档的放贷方均无与您情况相符的产品。请联系您的经纪人 — 他们可以审查您的申请并查看其他放贷方项目。","bsharedA.yourBestParRate":"您的最佳平价利率","bsharedA.noDiscountPointsSuffix":"— 无折扣点","bsharedA.onAProduct":"适用于 {product}","bsharedA.rateLockTagline":"{days} 天利率锁定 \xb7 您经纪人的批发定价 \xb7 无需预付任何费用","bsharedA.estimatedMonthlyPI":"预计每月本金和利息","bsharedA.discountPoints":"折扣点","bsharedA.none":"无","bsharedA.finalPrice":"最终价格","bsharedA.pricingThisScenario":"正在为此方案定价","bsharedA.scenarioLoan":"贷款","bsharedA.scenarioProperty":"房产","bsharedA.scenarioOccupancy":"居住情况","bsharedA.scenarioPurpose":"目的","bsharedA.allAvailableProducts":"所有可用产品","bsharedA.allAvailableProductsDesc":"您的经纪人可提供的每种产品的标准利率（无积分）和最低降息利率（在交割时用折扣积分支付）。","bsharedA.rateLadder":"利率阶梯","bsharedA.rateLadderSubtitle":"按票面利率排序，从低到高。较低的利率需要在交割时购买积分。","b

1sharedA.colProduct":"产品","bsharedA.colRate":"利率","bsharedA.colPoints":"积分","bsharedA.colCostAtClosing":"交割时费用","bsharedA.colLock":"锁定","bsharedA.par":"标准","bsharedA.buyDown":"降息","bsharedA.readyToLockRate":"准备好锁定利率了吗？","bsharedA.readyToLockRateBody":"请联系您的经纪人。他们可以确认资格、说明支付积分与较高利率之间的权衡，并为您的贷款锁定您的选择。","bsharedA.missingCreditScore":"信用评分（您的经纪人将进行查询）","bsharedA.missingLoanAmount":"贷款金额（您申请的第 6 步）","bsharedA.missingPropertyValue":"房产价值（您申请的第 6 步）","bsharedA.missingOccupancy":"房产的使用方式（第 6 步）","bsharedA.missingLoanPurpose":"购买或再融资（第 6 步）","bsharedA.missingPropertyType":"房产类型（第 6 步）","bsharedA.aFewMoreDetailsFirst":"请先补充一些信息","bsharedA.weNeedTheseToPullPricing":"我们需要这些信息来查询今天的价格。大部分内容都在您的贷款申请中——您的经纪人会查询信用。","bsharedA.noAccessToLoanTitle":"您无权访问此贷款","bsharedA.pricingDidntLoad":"价格未能加载","bsharedA.applicationProgress":"申请进度","bsharedA.fundedSuffix":"（已放款）","bsharedA.computingYourNumbers":"正在计算您的数据…","bsharedA.numbersNotReady":"数据尚未准备好","bsharedA.numbersNotReadyBody":"您的贷款专员仍在收集信息。一旦您的申请完成并锁定利率，您将在此处看到每月还款估算和资格比率。","bsharedA.segLoanPayment":"贷款还款","bsharedA.segPropertyTax":"房产税","bsharedA.segHomeownersInsurance":"房主保险","bsharedA.segMortgageInsurance":"抵押贷款保险","bsharedA.segHoaDues":"HOA 费用","bsharedA.viewYourLoanDetail

1s":"查看您的贷款详情","bsharedA.yourLoanAtAGlance":"您的贷款一览","bsharedA.atRatePrefix":"利率 {rate}% \xb7","bsharedA.loanOnHome":"{home} 房产的 {loan} 贷款","bsharedA.loanOnly":"{loan} 贷款","bsharedA.hideLoanDetails":"隐藏贷款详情","bsharedA.hide":"隐藏","bsharedA.monthlyHousingPayment":"每月住房还款","bsharedA.atRate":"利率 {rate}%","bsharedA.loanAmount":"贷款金额","bsharedA.onAHome":"针对 {home} 房产","bsharedA.cashYouKeepEachMonth":"您每月保留的现金","bsharedA.afterHousingAndDebts":"扣除住房 + 其他债务后","bsharedA.debtToIncomeLabel":"债务收入比 (DTI)","bsharedA.dtiComfortable":"您的每月债务处于宽松的舒适范围内。贷款机构通常对此持积极态度。","bsharedA.dtiStandard":"您的每月债务处于标准资格限制范围内。","bsharedA.dtiAbove43":"您的债务超过了标准的 43% 舒适线。一些贷款机构可能需要额外的文件。","bsharedA.dtiAbove50":"您的每月债务超过了通常 50% 的上限。我们可能需要调整贷款结构。","bsharedA.loanToValueLabel":"贷款价值比 (LTV)","bsharedA.ltvBelow80":"您低于 80% 线——无需抵押贷款保险。这能让您的每月还款更低。","bsharedA.ltvBetween8095":"您高于 80%，因此贷款机构将要求抵押贷款保险 (MI)。它已反映在上方的每月还款中。","bsharedA.ltvAbove95":"您高于 95%——这是高 LTV 贷款，可能有额外要求。","bsharedA.whatGoesIntoPayment":"您的每月住房还款包含哪些项目","bsharedA.qualifyingEstimatesNote":"这些数字是根据您的申请数据估算的。最终数字将出现在您的 Closing Disclosure 上。有疑问？回复您贷款专员的任何邮件——会直接发送给他们。","bsharedA.checkingRescissionStatus":"正在检查撤销状态…","bsharedA.rightToCancel":"取消权","bsharedA.rescissionWindowClosed":"撤销期已结束","bsharedA.oneDayLeftToCancel":"还剩 1 天可取消","bsharedA.daysLeftToCancel":"还剩 {days} 天可取消","bsharedA.deadlineEndOfDay":"截止日期：{date}（当日结束）","bsharedA.rescissionLegalPre":"联邦法律（Truth in Lending Act，15 U.S.C. \xa71635）赋予您","bsharedA.threeBusinessDays":"三个工作日","bsharedA.rescissionLegalPost":"撤销此次再融资——即无需罚款即可取消。过了截止日期后，贷款将放款，您将无法通过撤销程序撤回。","bsharedA.rescissionClosedBody":"您的三个工作日撤销权期限已结束。您的贷款现在可以进入放款阶段。","bsharedA.earliestFundingDate":"最早放款日期","bsharedA.howToCancel":"如何取消","bsharedA.cancelStep1Pre":"签署并填写日期于","bsharedA.noticeOfRightToCancel":"Notice of Right to Cancel","bsharedA.cancelStep1Post":"表格（随附在您的交割文件中），并在上述截止日期午夜之前通过邮寄、传真、电报或其他书面方式将其送回给您的贷款机构。","bsharedA.cancelStep2":"如果您取消，贷款机构必须在 20 天内退还您已支付的任何款项或财产，并解除任何担保权益。您无需支付取消费用。","bsharedA.cancelDisclaimer":"本摘要仅供一般参考；请以印刷版的 Notice of Right to Cancel 表格为准了解确切的程序要求。","bsharedA.resourceIncomeTitle":"您的收入是如何计算的","bsharedA.resourceIncomeBlurb":"逐项分解符合资格的收入，并附上每个来源背后的计算。","bsharedA.resourceDocsTitle":"您仍需提供的文件","bsharedA.resourceDocsBlurb":"在一个屏幕上列出每项待办文件请求，并显示已等待的时长。","bsharedA.resourceDisclosuresTitle":"Loan Estimate 和 Closing Disclosure","bsharedA.resourceDisclosuresBlurb":"查看、下载并确认您贷款所需的联邦法定披露文件。","bsharedA.resourcesForYou":"为您提供的资源","bsharedA.resourcesSubtitle":"对您贷款中通常引发最多疑问的部分提供详细视图。","bsharedA.sendFailed":"发送失败","bsharedA.loadingYourMessages":"正在加载您的消息…","bsharedA.messageYourBroker":"给您的经纪人发消息","bsharedA.noMessagesYet":"暂无消息","bsharedA.sendQuestionBrokerPinged":"发送问题后，您的经纪人将收到通知。","bsharedA.typeAMessage":"输入消息…","bsharedA.sendMessage":"发送消息","bsharedA.welcomeNamed":"欢迎，{name}","bsharedA.getStarted":"开始","bsharedA.welcomeModalBody":"我们尚未存有您的有效贷款申请。您可以立即开始完整的 1003 抵押贷款申请，或先跳至您的仪表板，稍后再开始。","b

1sharedA.recommended":"推荐","bsharedA.start1003Application":"开始 1003 申请","bsharedA.beginMortgageForm":"开始抵押贷款表格","bsharedA.skipForNow":"暂时跳过","bsharedA.enterBorrowerDashboard":"进入借款人仪表板","bsharedA.lookAroundFirst":"先看看；您稍后可以从仪表板开始申请。","bsharedA.cashToCloseSummary":"交割所需现金摘要","bsharedA.wireNullStateLine1":"您的经纪人将在交割前 1–2 天确认您确切的交割所需现金金额。","bsharedA.wireNullStateLine2":"您 Closing Disclosure 上的数字是您当前的估算。","bsharedA.wireDownPayment":"首付","bsharedA.wireClosingCosts":"交割费用","bsharedA.wirePrepaidItems":"预付项目","bsharedA.wireEscrowDeposit":"托管存款","bsharedA.wireTotal":"总计","bsharedA.cashToCloseAria":"交割所需现金 {amount}","bsharedA.wireDispatchedLine1":"您的经纪人已将您的电汇指示发送给产权公司。","bsharedA.wireDispatchedLine2":"您确切的交割所需现金在您的 Closing Disclosure 上——在汇出任何资金之前，请与您的经纪人确认金额。","bsharedA.fundsTo":"资金汇至：","bsharedA.howToPay":"如何付款：","bsharedA.cashiersCheckOrWire":"本票或电汇","bsharedA.sentByBroker":"由经纪人发送：","bsharedA.wireFraudWarning":"电汇欺诈警告","bsharedA.wireFraudPre":"骗子会拦截电子邮件并发送虚假的电汇指示。","bsharedA.wireFraudBold":"请务必拨打您自行独立查到的电话号码联系产权公司","bsharedA.wireFraudPost":"——绝不要使用电子邮件中的号码。电汇一旦发出，几乎无法追回。","bsharedA.wireFraudNeverAsk":"Unified Loan System 绝不会通过电子邮件要求您将资金电汇到新账户。","bsharedA.countdownOnSchedule":"按计划进行","bsharedA.countdownClosingSoon":"即将完成成交——让我们处理好收尾事项","bsharedA.countdownClosingThisWeek":"本周完成成交","bsharedA.congratsOnClosing":"恭喜成交","bsharedA.daySinceClosing":"成交后第几天","bsharedA.daysSinceClosing":"成交后天数","bsharedA.todayIsTheDay":"今天就是大日子","bsharedA.dayUntilYourKeys":"距离拿到钥匙还有几天","bsharedA.daysUntilYourKeys":"距离拿到钥匙的天数","bsharedA.closingCountdown":"成交倒计时","bsharedA.confirmedClosingDate":"已确认的成交日期","bsharedA.allConditionsCleared":"所有条件已清除","bsharedA.itemStillOpenOne":"还有 {count} 个项目未完成","bsharedA.itemStillOpenMany":"还有 {count} 个项目未完成","bsharedA.brokerReachOutBeforeClose":"您的经纪人会在成交前与您联系。","bsharedA.youreSetSitBack":"一切就绪——请放松，剩下的交给我们。","bsharedA.loadingClosingSchedule":"正在加载成交日程…","bsharedA.failedToSubmitProposal":"提交提议失败","bsharedA.failedToAcceptCounter":"接受还价失败","bsharedA.failedToRejectCounter":"拒绝还价失败","bsharedA.failedToRepropose":"重新提议失败","bsharedA.pickNewClosingDate":"选择新的成交日期","bsharedA.pickClosingDate":"选择成交日期","bsharedA.previousDatePassedOn":"您的经纪人未采纳您之前的日期。","bsharedA.reasonLabel":"原因：","bsharedA.pickWeekdayHint":"请选择从今天起至少 7 天后的工作日。大多数贷款在 30–45 天内完成成交——经纪人可能会根据实际情况提出不同的日期。","bsharedA.proposedClosingDate":"提议的成交日期","bsharedA.notesForBrokerOptional":"给经纪人的备注（可选）","bsharedA.closingNotesPlaceholder":"可选——有什么经纪人需要了解的吗？（学年、租约到期等）","bsharedA.sendToBroker":"发送给经纪人","bsharedA.awaitingBrokerReview":"等待经纪人审核","bsharedA.proposedTimeAgo":"于 {time} 提议。您的经纪人将确认或建议其他日期。","bsharedA.brokerSuggestedDifferentDate":"经纪人建议了不同的日期","bsharedA.youProposed":"您提议的","bsharedA.brokerSuggests":"经纪人建议","bsharedA.acceptDate":"接受日期","bsharedA.pickAnother":"另选日期","bsharedA.walkAway":"放弃","bsharedA.yourProposedClosingDate":"您提议的成交日期","bsharedA.reproposeNotesPlaceholder":"可选——关于这个新日期，有什么经纪人需要了解的吗？","b

1sharedA.sendNewDate":"发送新日期","bsharedA.reasonForDeclining":"拒绝此日期的原因（可选）","bsharedA.rejectReasonPlaceholder":"可选——您为什么放弃这个日期？","bsharedA.walkAwayFromDate":"放弃这个日期","bsharedA.closingScheduled":"已安排成交","bsharedA.confirmedTimeAgo":"已确认 {time}","bsharedA.closingScheduledBody":"您的经纪人正在确定 TRID 和成交披露的时间安排。当成交文件包的电子签名请求发送到您的收件箱时，我们会通知您。","bsharedA.goToClosingRoom":"前往您的成交室","bsharedA.justNow":"刚刚","bsharedA.closingDayWalkthrough":"成交日流程指南","bsharedA.statusNow":"现在","bsharedA.openInMaps":"在 Maps 中打开","bsharedA.closingDayPrep":"成交日准备","bsharedA.whatYoullNeedOn":"您在 {date} 需要准备的物品","bsharedA.bringOrHaveReady":"请携带或准备好","bsharedA.prepIdTitle":"政府签发的带照片身份证件","bsharedA.prepIdDetail":"驾照或护照。必须在有效期内。每位共同借款人各自携带自己的证件。","bsharedA.prepCheckTitle":"本票或电汇确认","bsharedA.prepCheckDetail":"您的贷款专员会在 1–2 天前告知您确切的成交所需现金金额。请勿使用个人支票电汇——产权公司通常要求经认证的资金。","bsharedA.prepInsuranceTitle":"房屋保险凭证","bsharedA.prepInsuranceDetail":"第一年的保费在成交时支付。如果您还没有投保，请在本周办理。","bsharedA.prepCoborrowerTitle":"共同借款人/配偶的到场","bsharedA.prepCoborrowerDetail":"贷款上的任何人都必须到场（亲自到场或通过远程在线公证）。","bsharedA.wireFraudIsReal":"电汇欺诈真实存在——请当面核实电汇指示","bsharedA.wireFraudPrepPre":"骗子会发送看起来与您的产权公司一模一样的电子邮件，要求您将资金电汇到他们的账户。","bsharedA.wireFraudPrepPost":"（不要使用任何电子邮件中的号码），并在发送前口头确认电汇指示。电汇一旦发出，几乎无法追回。","bsharedA.coborrowerAdded":"已添加共同借款人","bsharedA.joinedAsYour":"已作为您的{relationship}加入","bsharedA.coborrowerWord":"共同借款人","bsharedA.relSpouse":"配偶","bsharedA.relDomesticPartner":"同居伴侣","bsharedA.relParent":"父母","bsharedA.relSibling":"兄弟姐妹","bsharedA.relOther":"其他","bsharedA.statusPending":"待处理","bsharedA.statusAccepted":"已接受","bsharedA.statusExpired":"已过期","bsharedA.statusRevoked":"已撤销","bsharedA.failedToSendInvitation":"发送邀请失败","bsharedA.inviteSentTo":"邀请已发送至 {email}——对方有 7 天时间接受。","bsharedA.revokeConfirm":"撤销此邀请？收件人将无法再使用该链接。","bsharedA.revokeFailed":"撤销失败","bsharedA.resendFailed":"重新发送失败","bsharedA.invitationResent":"邀请已重新发送。原链接仍然有效；我们只是延长了有效期。","bsharedA.namedSectionProgress":"{name}的部分进度","bsharedA.theirSectionProgress":"他们的部分进度","bsharedA.hasntOpenedYet":"\xb7 尚未打开","bsharedA.theyCanFinishAt":"他们可以随时在以下位置完成","bsharedA.addACoborrower":"添加共同借款人","bsharedA.coborrowerBoostIncome":"添加配偶或伴侣可以提高您的合格收入，帮助您负担更多。","bsharedA.invite":"邀请","bsharedA.expiresOn":"于 {date} 到期","bsharedA.resendInvitationAria":"重新发送邀请——相同链接，全新的 7 天有效期","bsharedA.revokeInvitationAria":"撤销邀请——链接立即失效","bsharedA.firstName":"名字","bsharedA.firstNamePlaceholder":"Jane","bsharedA.lastName":"姓氏","bsharedA.lastNamePlaceholder":"Doe","bsharedA.emailLabel":"电子邮件","bsharedA.coborrowerEmailPlaceholder":"[email protected]","bsharedA.relationship":"关系","bsharedA.sendInvite":"发送邀请","bsharedA.emptyClickPre":"点击","bsharedA.emptyClickPost":"以发送电子邮件——您的共同借款人将创建自己的账户来填写其在申请中的部分。他们绝不会看到您的密码或敏感信息。","bsharedA.priorInvitations":"以往的邀请","bsharedA.yourProgress":"您的进度","bsharedA.countOfTotal":"{count}/{total}","bsharedA.pctComplete":"已完成 {pct}%","bsharedA.nextUp":"接下来","bsharedA.dueDate":"{date} 截止","bsharedA.startThis":"开始此项 →","bsharedA.allConditionsComplete":"所有条件已完成！","bsharedA.loanOfficerWhatsNext":"您的贷款专员会告知您接下来的步骤。","bsharedA.disclosuresAndConsent":"披露与同意","bsharedA.reviewAndAcceptDisclosures":"请查看并接受以下披露内容以继续您的申请。","bsharedA.consentESignTitle":"电子签名同意","bsharedA.consentESignDesc":"我同意以电子方式接收披露和通讯，并同意电子签署文件。我了解我可以随时撤回此同意。","bsharedA.consentCreditAuthTitle":"信用授权","bsharedA.consentCreditAuthDesc":"我授权贷方获取消费者信用报告，以评估我申请抵押贷款的资格。这可能是一次最初不影响我信用评分的“软查询”。","bsharedA.consentTermsTitle":"服务条款","bsharedA.consentTermsDesc":"我确认所提供的信息真实无误。我同意服务条款和隐私政策。","b

1sharedA.tcpaAuthTitle":"安全与身份验证消息","bsharedA.tcpaLoanStatusTitle":"贷款状态与运营更新","bsharedA.tcpaDocSigningTitle":"文件、结案与电子签名提醒","bsharedA.requiredBadge":"必填","bsharedA.acceptedCheck":"已接受 ✓","bsharedA.optionalSmsNotifications":"可选短信通知","bsharedA.smsConsentNotRequired":"接收短信的同意并非必需。您可以选择以下任意类别组合。","bsharedA.requiredAgreementsAccepted":"已接受 {total} 项必需协议中的 {accepted} 项","bsharedA.yourLoanOfficerName":"您的贷款专员","bsharedA.messageNotSent":"消息未发送","bsharedA.somethingWentWrong":"出了点问题。请重试。","bsharedA.phoneNumber":"电话号码","bsharedA.phone":"电话","bsharedA.loanOfficerRole":"贷款专员","bsharedA.sendMessageBelowGetBack":"在下方发送消息，您的贷款专员会回复您。","bsharedA.sendAMessage":"发送消息","bsharedA.askQuestionRequestCall":"提出问题或请求回电。","bsharedA.topic":"主题","bsharedA.topicGeneralInquiry":"一般咨询","bsharedA.topicRateQuote":"利率报价","bsharedA.topicPreApprovalStatus":"预批准状态","bsharedA.topicDocumentQuestion":"文件问题","bsharedA.topicScheduleCall":"安排通话","bsharedA.messageLabel":"消息","bsharedA.contactPlaceholder":"你好 {name}，我有一个关于……的问题（或点击麦克风进行口述）","bsharedA.sendMessageTitle":"发送消息","bsharedA.messageSentExclaim":"消息已发送！","bsharedA.thanksForReachingOut":"感谢您的联系。{name} 将在此处跟进您。","bsharedA.close":"关闭","bsharedA.dataDiscrepancyDetected":"检测到数据不一致","bsharedA.aiFoundMismatch":"我们的 AI 发现您的申请与上传的文件之间存在不一致。","bsharedA.inApplication":"在申请中","bsharedA.emptyValue":"（空）","bsharedA.inDocument":"在文件中","bsharedA.keepMyValue":"保留我的值","bsharedA.reviewAndFix":"查看并修正","bsharedA.moreDiscrepancyOne":"又发现 {count} 处不一致","bsharedA.moreDiscrepancyMany":"又发现 {count} 处不一致","bsharedA.docNeedsSecondLookOne":"{count} 份文件需要再次检查","bsharedA.docNeedsSecondLookMany":"{count} 份文件需要再次检查","bsharedA.openReviewPage":"打开审查页面以确认或更正。","bsharedA.allCaughtUp":"全部已处理","bsharedA.nothingNeedsSignature":"目前没有需要您签名或审查的内容。当有新内容到达时，您的贷款专员会通知您。","bsharedA.actionRequired":"需要采取行动","bsharedA.pendingReview":"待审查","bsharedA.documentsNeedAttention":"需要您关注的文件","bsharedA.itemWaitingOne":"{count} 个项目等待您审查或签名。","bsharedA.itemWaitingMany":"{count} 个项目等待您审查或签名。","bsharedA.newBadge":"新","bsharedA.complete":"完成","bsharedA.review":"审查","bsharedA.needsYourAttention":"需要您关注","bsharedA.nMissing":"缺少 {count} 项","bsharedA.nMore":"还有 {count} 项","bsharedA.viewAllDocuments":"查看全部 {count} 份文件","bsharedA.hintFromPriorLoan":"来自先前的贷款","bsharedA.hintFromDocument":"来自文件","bsharedA.hintHeadsUp":"提醒","bsharedA.applied":"已应用","bsharedA.useThis":"使用此项","bsharedA.dismissHint":"忽略提示","bsharedA.boxCounter":"框 {current}/{total}","bsharedA.closeGuidance":"关闭指导","bsharedA.optionalBadge":"可选","bsharedA.filled":"已填写","bsharedA.askVeraAboutThis":"向 Breeze 询问此项","bsharedA.backArrow":"← 返回","bsharedA.doneWithGuidance":"完成指导","bsharedA.finish":"完成","bsharedA.leftTheGuideContinue":"看起来您离开了指南——要继续吗？","bsharedA.dismissGuideResume":"忽略恢复指南提示","bsharedA.fundingDocsSigned":"文件已签署","bsharedA.fundingWireSent":"电汇已发送","bsharedA.fundingLoanFunded":"贷款已放款","bsharedA.fundingStatusAria":"放款状态：{status}","bsharedA.fundingStatus":"放款状态","bsharedA.checkingForUpdates":"正在检查更新…","bsharedA.glossarySearchPlaceholder":"搜索术语（例如 APR、托管账户、预批准）…","bsharedA.noTermsMatched":"没有与“{query}”匹配的术语。","bsharedA.aka":"又称 {list}","bsharedA.seeAlso":"另请参阅：{list}","bsharedA.guidedMode":"引导模式","bsharedA.stepNumber":"第 {number} æ­¥","bsharedA.expandGuidance":"展开指导","bsharedA.collapseGuidance":"收起指导","bsharedA.turnOffGuidance":"关闭指导","bsharedA.whatToKnow":"需要了解的内容","bsharedA.basedOnWhatYouEntered":"根据您输入的内容","bsharedA.skipThisSection":"暂时跳过此部分","bsharedA.turnOnGuidance":"开启指导","bsharedA.pullingInsuranceQuotes":"æ­£å

1œ¨èŽ·å–保险报价…","bsharedA.quotesForYourAddress":"为您的地址提供 {count} 份报价","bsharedA.insuranceRequiredAtClosing":"结案时必需。这里是您房产保险费用的大致估算，供您预算参考——您将在结案前与承保公司选择并签订保单（您的贷款专员可以协助）。","bsharedA.coverageLine":"房屋 {dwelling} \xb7 财物 {contents} \xb7 责任 {liability} \xb7 免赔额 {deductible}","bsharedA.perYearEst":"/ 年（估算）","bsharedA.quotesIllustrative":"在承保公司集成完成之前，报价仅供参考。实际签约由您选择的承保公司处理。","bsharedA.ratingAria":"评分：5 分中的 {rating} 分","bsharedA.viewYourLoanEstimate":"查看您的贷款估算单","bsharedA.skipToYour":"跳至您的 {label}","bsharedA.openAction":"打开 {label}","bsharedA.newActionRequired":"新 \xb7 需要采取行动","bsharedA.pendingShort":"待处理","bsharedA.dismiss":"忽略","bsharedA.healthExcellent":"优秀","bsharedA.healthExcellentSub":"进展顺利——几乎没有剩余事项了。","bsharedA.healthOnTrack":"进展顺利","bsharedA.healthOnTrackSub":"还剩几个小事项，但重要的部分都已完成。","bsharedA.healthNeedsAttention":"需要关注","bsharedA.healthNeedsAttentionSub":"再完成几个事项就能让您快速提升。","bsharedA.healthActionRequired":"需要采取行动","bsharedA.healthActionRequiredSub":"让我们处理待办事项，让贷款继续推进。","bsharedA.loanHealthScoreAria":"贷款健康评分：{score} 分（满分 100），{band}","bsharedA.loanHealth":"贷款健康度","bsharedA.quickestWins":"提升评分的最快方法","bsharedA.hideScoreBreakdown":"隐藏评分明细","bsharedA.howIsScoreCalculated":"此评分是如何计算的？","bsharedA.yourLoanOfficer":"您的贷款专员","bsharedA.nmlsId":"NMLS {id}","bsharedA.actionEmail":"电子邮件","bsharedA.actionCall":"拨打电话","bsharedA.actionMessage":"消息","bsharedA.loanOfficerHereToHelp":"您的贷款专员随时为您服务。在工作时间内可随时致电。","b

1sharedA.veraHelpWriteThis":"Breeze，帮我写这个","bsharedA.draftingFailed":"起草失败","bsharedA.letterOfExplanation":"解释信","bsharedA.forCondition":"针对：{title}","bsharedA.whatUnderwritingNeeds":"核保需要解释的内容","bsharedA.anythingInYourWords":"有什么想用自己的话说明的吗？","bsharedA.optional":"（可选）","bsharedA.loeContextPlaceholder":"例如：逾期付款是由于三月份住院造成的，我现已完全康复。在此之前和之后我从未漏付过。","bsharedA.helpsVeraWrite":"帮助 Breeze 准确地撰写信件。您提供的背景越多，草稿就越好。","bsharedA.veraDraftedTone":"Breeze 以 {tone} 的语气起草了此内容。","bsharedA.editAnything":"修改任何听起来不像您说话的内容。","bsharedA.loeTipReplace":"提示：发送前请将任何“[fill in: …]”占位符替换为您的实际信息。","bsharedA.copied":"已复制！","bsharedA.copyLetter":"复制信件","bsharedA.drafting":"起草中…","bsharedA.reDraft":"重新起草","bsharedA.draftMyLetter":"起草我的信件","bsharedA.stageApplication":"申请","bsharedA.stagePriced":"已定价","bsharedA.stageLeIssued":"LE 已签发","bsharedA.stageAus":"AUS","bsharedA.stageSubmitted":"已提交","bsharedA.stageCdIssued":"CD 已签发","bsharedA.stageSigned":"已签署","bsharedA.stageFunded":"已放款","bsharedA.vsNotStarted":"未开始","bsharedA.vsInProgress":"进行中","bsharedA.vsAwaitingResponse":"等待回复","bsharedA.vsComplete":"已完成","bsharedA.vsNeedsAttention":"需要关注","bsharedA.ownerYou":"您","bsharedA.ownerBroker":"经纪人","bsharedA.ownerLender":"贷款方","bsharedA.ownerVendor":"供应商","bsharedA.ownerOnTrack":"进展顺利","bsharedA.pillFunded":"已放款","bsharedA.pillOnTrack":"进展顺利","bsharedA.pillInProgress":"进行中","bsharedA.yourLoanStatus":"您的贷款状态","bsharedA.stageLabel":"阶段：{stage}","bsharedA.dayOfPrefix":"第","bsharedA.dayOfSuffix":"天 / 共约 {total} 天","bsharedA.daysToClose":"天后完成交易","bsharedA.refreshStatus":"刷新状态","bsharedA.onTrackNothingToDo":"您进展顺利——目前无需操作","bsharedA.currentlyWaitingOn":"目前正在等待 {owner}","bsharedA.takeAction":"采取行动","bsharedA.tapAnyStepBelow":"点击下方任意步骤","bsharedA.getInsightsTailored":"以获取针对您贷款量身定制的见解","bsharedA.recommendedDot":"\xb7 推荐","bsharedA.expectedTodayTitle":"按平均贷款时间表，您今天本应处于的阶段","bsharedA.expected":"预期","bsharedA.yourCurrentStage":"您贷款的当前阶段","bsharedA.youAreHere":"您在这里","bsharedA.whatHappensAtStage":"在 {stage} 阶段会发生什么？","bsharedA.signedPill":"已签署","bsharedA.legend":"图例","bsharedA.legendActualStage":"— 实际阶段","bsharedA.legendTypicalPace":"— 典型进度","bsharedA.daysBehind":"\xb7 落后 {days} 天","bsharedA.daysAhead":"\xb7 提前 {days} 天","bsharedA.rightOnSchedule":"\xb7 正好按计划进行","bsharedA.loanFundedCongrats":"贷款已放款 \xb7 恭喜！","bsharedA.fileClosedWelcomeHome":"您的档案已完成交易并放款——欢迎回家。","bsharedA.openRequests":"未结请求","bsharedA.needsAttention":"需要关注","bsharedA.itemToAddress":"个待处理事项","bsharedA.itemsToAddress":"个待处理事项","bsharedA.laneFlagged":"条通道已标记","bsharedA.lanesFlagged":"条通道已标记","bsharedA.allClear":"一切就绪","bsharedA.inProgressTile":"进行中","bsharedA.laneActive":"条通道进行中","bsharedA.lanesActive":"条通道进行中","bsharedA.completeTile":"已完成","bsharedA.laneCleared":"条通道已清理","bsharedA.lanesCleared":"条通道已清理","bsharedA.hideLoanLaneDetails":"隐藏贷款通道详情","bsharedA.showLoanLaneDetails":"显示完整贷款通道详情","bsharedA.hideDetails":"隐藏详情","bsharedA.seeFullDetailsLanes":"查看完整详情（{lanes} 条通道","bsharedA.plusRequestOne":" + {count} 个请求","bsharedA.plusRequestMany":" + {count} 个请求","bsharedA.closeParen":"）","bsharedA.whatsHappeningLaneByLane":"逐条通道了解进展","bsharedA.etaPrefix":"预计 {eta}","bsharedA.openRequestsCount":"未结请求（{count}）","bsharedA.openDays":"已开启 {days} 天","bsharedA.daysOverdue":"逾期 {days} 天","bsharedA.dueInDays":"{days} 天后到期","bsharedA.closeStageDetails":"关闭阶段详情","bsharedA.loadingStageDetails":"æ­£å

1œ¨åŠ è½½é˜¶æ®µè¯¦æƒ…并为您的贷款进行个性化设置…","bsharedA.upcoming":"即将进行","bsharedA.stageWord":"阶段","bsharedA.whatHappensAtThisStage":"在此阶段会发生什么","bsharedA.verasTakeOnYourLoan":"Breeze 对您在此阶段贷款的看法","bsharedA.whatYouNeededToBring":"您需要提供的内容","bsharedA.whatToPrepare":"需要准备什么","bsharedA.commonGotchas":"需要了解的常见陷阱","bsharedA.openTileDetails":"打开 {label} 详情","bsharedB.pickDateTimeFirst":"请先选择日期和时间","bsharedB.scheduleFailed":"预约失败","bsharedB.cancelNotaryConfirm":"取消这次公证预约吗？","bsharedB.cancelFailed":"取消失败","bsharedB.loadingNotary":"正在加载公证…","bsharedB.notarySigning":"公证签署","bsharedB.scheduleYourAppointment":"预约您的会面时间","bsharedB.notaryPickIntro":"选择您希望的签署方式——远程在线公证（RON）让您可以通过视频通话在任何地方签署，或预约附近的现场公证。","bsharedB.scheduleNotary":"预约公证","bsharedB.remoteRon":"远程 (RON)","bsharedB.ronSub":"在家通过视频通话签署","bsharedB.inPerson":"现场","bsharedB.inPersonSub":"流动公证员上门服务","bsharedB.notaryNotesPlaceholder":"公证员需要知道什么吗？（停车、无障碍设施等）","bsharedB.schedule":"预约","bsharedB.statusConfirmed":"已确认","bsharedB.statusScheduled":"已预约","bsharedB.minuteSession":"{minutes} 分钟会面","bsharedB.notaryLabel":"公证员：","bsharedB.openSigningLink":"打开签署链接","bsharedB.mobileNotaryArrival":"流动公证员将在预约时间前约 5 分钟到达您的住址。请携带政府签发的带照片身份证件以及任何交割现金（cash-to-close）文件。","bsharedB.testEnvironment":"测试环境","bsharedB.offlineChangesSaved":"离线 — 更改已本地保存","bsharedB.syncing":"正在同步…","bsharedB.synced":"已同步","bsharedB.checkingActionItems":"正在检查您的待办事项…","bsharedB.brokerHasEverything":"您的经纪人目前已拥有所需的全部信息。","bsharedB.actionItemWaiting":"项待办事项等待您处理","bsharedB.actionItemsWaiting":"项待办事项等待您处理","bsharedB.tapToSeeList":"点按查看完整列表——大多数只需几分钟。","bsharedB.bankLinkedPulling":"银行已关联——正在获取您的账户。","bsharedB.bankLinkFailed":"我们无法完成银行关联。请重试或使用手动上传。","bsharedB.bankConnectionFailed":"银行连接失败。请重试或手动上传对账单。","bsharedB.bankSessionEnded":"您的银行会话意外结束。请重试或上传对账单。","bsharedB.signInAgainConnect":"请重新登录以连接您的银行。","bsharedB.bankLinkingUnavailable":"银行关联暂时不可用。请稍后重试或手动上传对账单。","bsharedB.bankLinkTooMany":"尝试次数过多——请等待几分钟后重试。","bsharedB.bankLinkStartError":"无法启动银行关联（错误 {status}）。请重试或上传对账单。","bsharedB.encryptingConnection":"正在加密连接…","bsharedB.verifyingIdentity":"正在验证身份…","bsharedB.connectBankAuto":"自动连接银行账户","bsharedB.disconnecting":"正在断开连接…","bsharedB.disconnectBank":"断开银行连接","bsharedB.yourBank":"您的银行","bsharedB.close":"关闭","bsharedB.headsUp":"请注意","bsharedB.disconnectName":"断开 {name} 的连接吗？","bsharedB.disconnectDeleteData":"我们将删除从 Plaid 获取的银行对账单、身份数据和资产报告。","bsharedB.disconnectReconnectAnytime":"您可以随时重新连接——您的贷款进度保持不变。","bsharedB.disconnectAutoFillsManual":"断开连接不会取消您的申请，但任何由银行自动填写的内容需要手动输入，直到您重新连接。","bsharedB.keepConnected":"保持连接","bsharedB.yesDisconnect":"是的，断开连接","bsharedB.fromYourBank":"来自您的银行","bsharedB.accountFound":"找到 {count} 个账户","bsharedB.accountsFound":"找到 {count} 个账户","bsharedB.accountFallback":"账户","bsharedB.importHasManual":"您希望如何使用这些账户？除非您选择替换，否则会保留您手动输入的账户。","b

1sharedB.importNoManual":"将这些添加到您的申请中，或继续自行输入。","bsharedB.addToMyList":"添加到我的列表","bsharedB.replaceMyEntries":"用这些替换我的条目","bsharedB.keepWhatIEntered":"保留我输入的内容","bsharedB.noThanksEnter":"不用了，我自己输入","bsharedB.bankReconnected":"银行已重新连接——您的贷款数据再次是最新的。","bsharedB.bankReconnectFlagFailed":"银行重新连接已保存，但状态标志未清除——请刷新页面以确认。","bsharedB.bankReconnectMarkFailed":"无法将银行标记为已重新连接。请重试或联系客服。","bsharedB.bankReconnectSessionEnded":"银行重新连接会话已结束。请重试——您现有的数据未发生变化。","bsharedB.signInAgainReconnect":"请重新登录以重新连接您的银行。","bsharedB.reconnectStartError":"无法启动重新连接流程（错误 {status}）。请稍后重试。","bsharedB.bankConnectionNeedsAttention":"银行连接需要处理","bsharedB.bankRequiresReLogin":"您的银行需要快速重新登录，以保持您的贷款数据为最新。","bsharedB.opening":"正在打开…","bsharedB.reconnectBank":"重新连接银行","bsharedB.yourDataYourFile":"您的数据，您的档案","bsharedB.downloadYourData":"下载您的数据","bsharedB.portabilityBody":"您的 1003 采用 MISMO 3.4 格式——行业标准。如果您决定将档案转移到其他地方，可直接导入 Encompass / Calyx / LendingPad。我们绝不会束缚您。","bsharedB.downloadMismoXml":"下载 MISMO 3.4 XML","bsharedB.yourLoanIsFunded":"您的贷款已放款。","bsharedB.congratulations":"恭喜！","bsharedB.fundedOn":"{date} 放款","bsharedB.loanNumber":"贷款 {number}","bsharedB.setUpAutoPay":"设置自动还款","bsharedB.autoPayDesc":"通过您的贷款服务机构设置每月自动还款，让您绝不漏付。","bsharedB.goToServicerPortal":"前往服务机构门户","bsharedB.comingSoon":"即将推出","bsharedB.downloadDocs":"下载文件","bsharedB.downloadDocsDesc":"下载您已签署的交割文件包、最终交割披露（Closing Disclosure）和取消权利通知（Notice of Right to Cancel）。","bsharedB.downloadZip":"下载 ZIP","bsharedB.leaveAReview":"留下评价","bsharedB.reviewDesc":"您的体验如何？快速评分有助于您的经纪人，也有助于未来的借款人。","bsharedB.rateExperience":"评价体验","bsharedB.questionsAskVera":"对您的新抵押贷款有疑问吗？在下方询问 Breeze ↓","bsharedB.exportMyData":"导出我的数据","bsharedB.exportMyDataDesc":"我们将准备一份与您账户相关的所有记录的机器可读副本，并通过电子邮件发送给您。","bsharedB.requestFiled":"请求已提交","bsharedB.requestExport":"请求导出","bsharedB.deleteMyAccount":"删除我的账户","bsharedB.deleteMyAccountDesc":"删除您的账户、已保存的 1003 草稿、您的文件和您的偏好设置。出于 HMDA / BSA / Reg B 合规要求，部分贷款历史记录必须保留——我们会保留这些记录，但在允许的情况下进行匿名化处理。","bsharedB.requestDeletion":"请求删除","bsharedB.deletionConfirmWarning":"您即将提交一份 CCPA / GDPR 删除请求。我们将在 45 天内处理并通过电子邮件确认。活跃的贷款在达到终止状态之前无法删除。","bsharedB.reasonOptional":"原因（可选）","bsharedB.reasonPlaceholder":"帮助我们改进。","bsharedB.confirmDeletionRequest":"确认删除请求","bsharedB.requestFiledAt":"请求已于 {date} 提交。处理完成后我们将通过电子邮件通知您（45 天内）。","bsharedB.pullingInsightsFor":"正在获取 {street} 的房产信息…","bsharedB.noPublicData":"未找到此地址的公开数据。","bsharedB.noPublicDataBody":"在主要市场之外，数据覆盖并不均衡——这不会影响您的申请。您的经纪人将在处理过程中获取可比房源（comps）和正式评估。","bsharedB.propertyInsights":"房产信息","bsharedB.stubDataTitle":"占位数据——等待 Zillow Bridge Interactive 合作","bsharedB.estimate":"估值","bsharedB.estimatedValue":"估计价值","bsharedB.rangeLabel":"范围：","bsharedB.factBuilt":"建造年份","bsharedB.factSqFt":"平方英尺","b

1sharedB.factBeds":"卧室","bsharedB.factBaths":"浴室","bsharedB.annualPropertyTax":"年度房产税","bsharedB.percentOfValue":"占价值的 {pct}%","bsharedB.perMoShort":"/月","bsharedB.confirmAtClosing":"交割时确认","bsharedB.none":"无","bsharedB.noHoaExpected":"预计无 HOA","bsharedB.nearbySchools":"附近学校","bsharedB.schoolGradeDistance":"{grade} \xb7 {miles} 英里","bsharedB.recentlySoldNearby":"附近近期成交","bsharedB.compDetail":"{bd} 卧 \xb7 {ba} 卫 \xb7 {sqft} 平方英尺 \xb7 成交 {date}","bsharedB.pushOnTitle":"推送通知已开启。","bsharedB.pushOnDesc":"当有新的披露或文件更新时，您会收到提醒。","bsharedB.turnOff":"关闭","bsharedB.pushEnableDesc":"披露、文件验证和条件更新——直接发送到您的手机或笔记本电脑。","bsharedB.enabling":"正在开启…","bsharedB.enable":"开启","bsharedB.dismiss":"忽略","bsharedB.closeNotificationPrompt":"关闭通知提示","bsharedB.getInstantUpdates":"获取即时贷款更新","bsharedB.pushPromptDesc":"我们只会就重要事项提醒您：利率锁定、签名请求和条件清除。绝无垃圾信息。","bsharedB.notNow":"暂不","bsharedB.asking":"正在请求…","bsharedB.turnOn":"开启","bsharedB.pwaAddToHomeScreen":"添加到主屏幕","bsharedB.pwaInstallBorrowerTitle":"在您的手机上安装 Unified Loan System","bsharedB.pwaInstallBorrowerDesc":"即时获取贷款更新并更快访问——无需应用商店。","bsharedB.pwaIosTitle":"将 Unified Loan System 添加到您的主屏幕","bsharedB.pwaIosBorrowerDesc":"iPhone 只需从“共享”菜单中轻点三下即可。","bsharedB.pwaInstallBrokerTitle":"用手机管理您的业务管道","bsharedB.pwaInstallBrokerDesc":"管道提醒、Breeze 聊天和一键锁定贷款——全部集成于快速、类应用的主屏幕安装中。","bsharedB.pwaIosBrokerDesc":"iPhone 只需从“共享”菜单中轻点三下——之后您的业务管道便触手可及。","bsharedB.dismissInstallBanner":"忽略安装横幅","bsharedB.install":"安装","bsharedB.pwaStep1Tap":"轻点","bsharedB.pwaShare":"共享","bsharedB.pwaStep1After":"（在 Safari 工具栏中）。","bsharedB.pwaStep2Before":"向下滚动 → 轻点","bsharedB.pwaAddToHomeScreenBold":"添加到主屏幕","bsharedB.pwaStep3Before":"轻点","bsharedB.pwaAddBold":"添加","bsharedB.pwaStep3After":"（在右上角）。","bsharedB.gotIt":"知道了","bsharedB.comparingRate":"正在将您的利率与市场进行比较…","bsharedB.lockedItIn":"已锁定","bsharedB.youBeatMarket":"您跑赢了市场","bsharedB.yourRate":"您的利率","bsharedB.marketAvg":"市场平均","bsharedB.youSaved":"您节省了","bsharedB.lifetimeSavingsBefore":"在通常 7 年的持有期内，这大约相当于","bsharedB.lifetimeSavingsAfter":"的利息——这些钱您可以留着而不必支付。货比三家选利率，做得好。","bsharedB.replayDashboardTour":"重播仪表板导览","bsharedB.replayTour":"重播导览","bsharedB.bandStrong":"强","bsharedB.bandStrongSub":"您的档案看起来很棒——您应该能在大多数贷款机构获得资格。","bsharedB.bandLikely":"较有可能","bsharedB.bandLikelySub":"大多数贷款机构应会批准此档案。完善下方的薄弱环节可扩大您的选择。","bsharedB.bandBorderline":"临界","bsharedB.bandBorderlineSub":"处于临界点。一些贷款机构会同意，但定价可能受影响。","bsharedB.bandUnlikely":"不太可能","bsharedB.bandUnlikelySub":"如果不解决下方的问题，传统审批不太可能通过。","bsharedB.preQualFailed":"预审资格失败","bsharedB.loadingPreQual":"正在加载您的预审资格…","bsharedB.preQualNoCredit":"获取预审资格，不影响您的信用","bsharedB.connectBankFirstDesc":"请先用 Plaid 连接您的银行。我们使用从银行获取的信号——不进行三方合并征信查询，不影响您的 FICO。","bsharedB.softPreQual":"软查预审资格","bsharedB.whereScoreFrom":"您的评分来源","bsharedB.factorCredit":"您的信用","bsharedB.factorDownPayment":"首付","bsharedB.factorMonthlyDebts":"每月债务","bsharedB.factorSavingsJob":"储蓄与工作经历","bsharedB.factorLoanProfile":"贷款概况","bsharedB.factorUnderwriting":"承保审查","bsharedB.whatsWorking":"对您有利的方面","bsharedB.whatToTighten":"需要改

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1:"在电汇前打电话核实。请使用来自独立来源的电话号码（本门户、您之前的贷款文件或经纪人网站——而非电子邮件中的号码）。","bsharedB.wireBullet3Before":"电汇指示","bsharedB.wireChangeRarely":"很少更改","bsharedB.wireBullet3After":"。如果您收到“最后一刻的更新”，让您将资金汇往其他地方，在核实之前请将其视为诈骗。","bsharedB.callBrokerToVerify":"致电经纪人核实（{phone}）","w3legal.questionsContact":"有疑问？请联系我们：","w3legal.dpaEffective":"自 2026-05-06 起生效。","w3legal.dpaTocScope":"1. 范围","w3legal.dpaTocDefinitions":"2. 定义","w3legal.dpaTocRoles":"3. 各方角色","w3legal.dpaTocInstructions":"4. 处理指示","w3legal.dpaTocConfidentiality":"5. 保密","w3legal.dpaTocSecurityMeasures":"6. 安全措施","w3legal.dpaTocSubProcessors":"7. 子处理方","w3legal.dpaTocPlaidFlowdown":"8. Plaid Flow-Down Terms","w3legal.dpaTocDsr":"9. 数据主体请求","w3legal.dpaTocIncidents":"10. 安全事件","w3legal.dpaTocAudits":"11. 审计","w3legal.dpaTocReturnDeletion":"12. 数据返还与删除","w3legal.dpaTocTransfers":"13. 国际传输","w3legal.dpaTocLiability":"14. 责任","w3legal.dpaScopeBody":"本数据处理协议（“DPA”）是对 Unified Loan System 与客户之间的 Master SaaS Agreement（“MSA”）的补充，并规范 Unified Loan System 在与本服务相关的情况下代表客户处理个人信息的行为。本协议中未定义的首字母大写术语具有“MSA”中赋予的含义。如本“DPA”与“MSA”在数据保护方面存在冲突，则以本“DPA”为准。","w3legal.dpaDefinitionsBody":"“Borrower NPI”是指根据 Gramm-Leach-Bliley Act（15 U.S.C. \xa7 6809）和 Regulation P 所定义的有关消费者的非公开个人信息，包括姓名、社会安全号码、出生日期、金融账户号码、资产和收入数据以及消费者信用信息。“Process”具有 15 U.S.C. \xa7 6809 及适用的州消费者隐私法所赋予的含义。","w3legal.dpaRolesBody":"对于提交至本服务的“Borrower NPI”，客户为数据控制方（或在适用情形下，为加利福尼亚州消费者隐私法下的“business”），Unified Loan System 为数据处理方（或“service provider”）。Unified Loan System 仅根据客户的书面指示处理“Borrower NPI”，包括反映在本服务配置中的指示。","w3legal.dpaInstructionsBody":"客户指示 Unified Loan System 在必要时处理“Borrower NPI”，以便：(a) 提供并维护本服务；(b) 预防、检测并应对安全事件和欺诈；(c) 遵守 Unified Loan System 的法律义务；以及 (d) 执行客户在本服务内明确发起的任务（例如文档分类、电子签名交付、向贷款机构提交以及通过 Plaid 进行的银行验证）。Unified Loan System 不会按照 California Consumer Privacy Act 中对这些术语的定义出售或共享“Borrower NPI”。","w3legal.dpaConfidentialityBody":"Unified Loan System 将要求所有获授权处理“Borrower NPI”的人员负有保密义务，并接受有关“Borrower NPI”处理方面的适当培训。","w3legal.dpaSecurityIntro":"Unified Loan System 实施并维护旨在保护 Borrower NPI 免遭意外或非法销毁、丢失、篡改、未经授权的披露或访问的技术和组织措施。具体而言：","w3legal.dpaSecurityItem1":"对借款人数据存储进行传输中加密（TLS 1.2 或更高版本）和静态加密。","w3legal.dpaSecurityItem2":"基于角色的访问控制；在应用层强制执行的按经纪商划分的租户隔离。","w3legal.dpaSecurityItem3":"多因素身份验证、会话活跃度重新检查、设备绑定警报，以及针对高价值流程（Plaid、敏感文档下载）的抗网络钓鱼通行密钥。","w3legal.dpaSecurityItem4":"对 Borrower NPI 访问的自动审计日志记录，包括与数据导出和披露相关的事件，并按照适用法律要求的期限保留。","w3legal.dpaSecurityItem5":"定期漏洞监控、依赖项更新审查以及违规通知程序。","w3legal.dpaSubProcessorsBefore":"Unified Loan System 聘用子处理商以提供服务，包括基础设施、云存储、身份验证、视觉 OCR、电子签名、事务性电子邮件和银行数据聚合服务。客户授权 Unified Loan System 使用列于以下位置的子处理商","w3legal.dpaSubProcessorsAfter":"Unified Loan System 将对每个子处理商施加合同性的数据保护义务，其保护程度不低于本 DPA 中规定的义务。","w3legal.dpaPlaidFlowdownBody":"本服务与 Plaid, Inc. 集成，用于借款人授权的银行数据和身份验证。客户对 Plaid 功能的使用还须遵守 Plaid End User Privacy Policy 以及 Plaid 的下游客户条款（“Plaid Flow-Down Terms”）。在启用任何 Plaid 功能之前，客户必须在 Unified Loan System 控制台内接受 Plaid Flow-Down Terms。客户对 Plaid Flow-Down Terms 的接受将连同版本、时间戳、IP 和用户代理一并记录，以供审计回放。","w3legal.dpaDsrBody":"Unified Loan System 将提供合理协助，使客户能够履行其响应数据主体请求的义务（包括借款人访问、更正、删除或导出其信息的请求）。客户负责核实请求者的身份，并对是否批准该请求的根本决定负责。","w3legal.dpaIncidentsBody":"在得知影响根据本 DPA 处理的 Borrower NPI 的已确认安全事件后，Unified Loan System 将毫不无故拖延地通知客户，并提供客户为履行其根据适用法律承担的通知义务所合理需要的信息。","w3legal.dpaAuditsBody":"每年一次，在至少提前三十 (30) å

1¤©ä¹¦é¢é€šçŸ¥çš„情况下，客户（或客户选择的独立审计师，须遵守保密义务）可审计 Unified Loan System 对本 DPA 的遵守情况。在可用时，Unified Loan System 可通过提供近期的第三方审计报告（例如 SOC 2 Type II 或同等报告）来履行此义务。","w3legal.dpaReturnDeletionBody":"在 MSA 终止后，客户可要求以可移植格式返还其 Borrower NPI。Unified Loan System 将在终止后九十 (90) 天内删除或匿名化 Borrower NPI，除非适用法律要求保留，或为确立、行使或抗辩法律主张而需要保留。","w3legal.dpaTransfersBody":"Unified Loan System 在美国境内处理 Borrower NPI。未经客户事先书面同意，Unified Loan System 不会将 Borrower NPI 转移至美国境外。","w3legal.dpaLiabilityBody":"MSA 中规定的责任限制适用于本 DPA。各方根据本 DPA 承担的责任均受这些限制的约束。","w3legal.msaEffective":"自 2026-05-06 起生效。","w3legal.msaTocPartiesScope":"1. 各方与范围","w3legal.msaTocEligibility":"2. 客户资格","w3legal.msaTocLicenseGrant":"3. 许可授予","w3legal.msaTocCustomerResponsibilities":"4. 客户责任","w3legal.msaTocOnboarding":"5. 入驻与许可验证","w3legal.msaTocThirdParty":"6. 第三方服务","w3legal.msaTocFees":"7. 费用与付款","w3legal.msaTocDataOwnership":"8. 数据所有权与使用","w3legal.msaTocConfidentiality":"9. 保密","w3legal.msaTocWarranties":"10. 保证；免责声明","w3legal.msaTocLiability":"11. 责任限制","w3legal.msaTocIndemnification":"12. 赔偿","w3legal.msaTocTerm":"13. 期限；终止","w3legal.msaTocGoverningLaw":"14. 适用法律","w3legal.msaTocEntireAgreement":"15. 完整协议；更新","w3legal.msaPartiesScopeBody":"本主 SaaS 协议（以下简称“Agreement”）由 California Mortgage Solutions, Inc.（一家以商号 Unified Loan System 经营的加利福尼亚州公司，以下简称“Unified Loan System”、“we”或“us”）与注册 Broker Console 工作区的商业实体（以下简称“Customer”或“you”）订立。本协议管辖您对 Unified Loan System Broker Console 软件即服务平台（以下简称“Service”）的访问和使用。","w3legal.msaEligibilityBo

1dy":"本 Service 仅向持有根据联邦 Nationwide Mortgage Licensing System（“NMLS”）及相应州主管机构颁发的有效许可证的抵押贷款经纪人、抵押贷款发起人和抵押贷款经纪实体提供。接受本 Agreement 即表示您声明并保证：(a) 您持有现行有效的 NMLS 许可证以发起住宅抵押贷款，(b) 您提供的所有公司及身份信息（包括法定商号、公司地址、EIN 和 NMLS ID）均准确无误，且 (c) 您有权使您的商业实体受本 Agreement 约束。","w3legal.msaLicenseGrantBody":"在您持续遵守本 Agreement 的前提下，Unified Loan System 授予您一项非独占、不可转让、可撤销的许可，以在期限内为您的内部业务目的访问和使用本 Service。您不得 (a) 再许可、转售或商业利用本 Service；(b) 进行逆向工程或试图推导源代码；(c) 规避任何技术限制、速率限制或安全控制；或 (d) 利用本 Service 违反任何法律、法规或第三方权利。","w3legal.msaCustomerResponsibilitiesBody":"您应独自负责：(a) 您向本 Service 提交的任何数据（包括借款人信息）的准确性和合法性；(b) 在向本 Service 提交借款人非公开个人信息（“NPI”）之前，获得借款人所需的全部同意；(c) 您账户凭证的保密性以及您授权用户的行为；(d) 遵守适用于您业务的所有联邦和州抵押贷款法律，包括 TILA、RESPA、ECOA、SAFE Act 以及各州特定的掠夺性贷款法规；以及 (e) å

1œ¨æ‚¨é€šè¿‡æœ¬ Service 发起贷款的每个州中保持现行有效的 NMLS 许可证。","w3legal.msaOnboardingBody":"在获得生产环境访问权限之前，您需要 (a) 提供您的法定商号、公司地址、EIN 和联邦 NMLS ID；(b) 签署本 Agreement 和 Data Processing Agreement（“DPA”）；并 (c) 通过许可证状态审查。Unified Loan System 会对 NMLS 许可证状态进行持续的自动重新核查。如果您的许可证因任何原因变为非活动、过期、暂停、吊销或以其他方式处于非活动状态，您的工作区将被自动冻结，对所有 Service 功能（包括 Plaid 等第三方集成）的访问将被暂停，直到许可证状态恢复。","w3legal.msaThirdPartyBody":"本 Service 依赖第三方提供商，包括 Plaid, Inc.、Resend、AWS、OpenAI、Anthropic 及其他（统称“Third-Party Services”）。使用与 Third-Party Services 集成的功能须遵守适用的第三方条款，包括根据 DPA 传递的任何转嫁（flow-down）条款。Unified Loan System 对 Third-Party Services 不作任何保证，且对其可用性、准确性或行为不承担责任。","w3legal.msaFeesBody":"订阅费用、计量转嫁费用以及任何适用的按使用量计费的费用，均在定价页面或注册时签署的订单表中说明。费用应在订阅期开始前预付，对计量功能则按使用量计费。Unified Loan System 可在发出三十 (30) 天通知后因未付款而暂停本 Service。","w3legal.msaDataOwnershipBody":"您保留对您的客户数据以及您向本 Service 提交的任何数据的所有权利、所有权和利益。您授予 Unified Loan System 一项有限许可，仅在为提供本 Service 所必需的范围内并按照 DPA 中进一步的说明处理这些数据。除法律要求或 DPA 明确允许外，Unified Loan System 不会出售、出租或披露您的数据。","w3legal.msaConfidentialityBody":"各方同意 (a) 至少以其保护自身同等重要性的保密信息所采用的同等审慎标准来保护对方的保密信息，且不低于合理的审慎程度；并 (b) 除为履行本 Agreement 所必需外，不使用保密信息。","w3legal.msaWarrantiesBody":"Unified Loan System 保证本 Service 将大体符合已发布的文档。除本节中的明示保证外，本 SERVICE 按“AS IS”（现状）提供，且 UNIFIED LOAN SYSTEM 否认所有其他明示或默示的保证，包括适销性、特定用途适用性和不侵权的保证。","w3legal.msaLiabilityBody":"在法律允许的最大范围内，任何一方均不对间接性、后果性、附带性或惩罚性损害，或利润损失或数据丢失承担责任。在本 AGREEMENT 项下，各方的累计责任不得超过 CUSTOMER 在引起责任的事件发生前十二 (12) 个月内已向 UNIFIED LOAN SYSTEM 支付或应付的费用。","w3legal.msaIndemnificationBody":"您将就以下情形引起的任何第三方索赔为 Unified Loan System 进行抗辩并对其予以赔偿：(a) 您违反本协议；(b) 您违反任何法律或法规；(c) 您提交给本服务的数据；或 (d) 您对任何贷款的发放、处理或交割。对于任何第三方主张 Unified Loan System 所提供的本服务侵犯第三方美国知识产权的索赔，Unified Loan System 将为您进行抗辩。","w3legal.msaTermBody":"本协议自您接受之时起生效，并持续有效直至终止。如一方发生重大违约且未在书面通知后三十 (30) 日内予以补救，任何一方均可以重大违约为由终止本协议。在发生第 5 节项下的冻结事件、违反第 4 节的行为，或可信的合规或安全事件时，Unified Loan System 可立即暂停或终止本协议。","w3legal.msaGoverningLawBody":"本协议受加利福尼亚州法律管辖，但不适用其法律冲突原则。双方同意接受位于加利福尼亚州 San Luis Obispo 县的州法院和联邦法院的专属管辖。","w3legal.msaEntireAgreementBody":'本协议连同 "DPA" 共同构成双方就本服务达成的完整协议，并取代所有先前的协议。Unified Loan System 可不时更新本协议；更新将通过发布带有新版本标识符和生效日期的新版本予以告知。您在生效日期之后继续使用本服务即构成对更新后协议的接受。',"w3legal.subProcessorsEyebrow":"Unified Loan System \xb7 法律 \xb7 子处理方","w3legal.subProcessorsTitle":"第三方子处理方","w3legal.subProcessorsLastUpdated":"最后更新于 2026-05-07。","w3legal.subProcessorsIntro1Before":'下列第三方为经授权的子处理方，可代表 Unified Loan System 客户处理 "Borrower NPI"，以配合本服务的运营。我们对每一子处理方施加的合同性数据保护义务，其保护程度不低于我们在以下文件中所规定的',"w3legal.subProcessorsIntro2":'在授权任何处理 "Borrower NPI" 的新子处理方之前，我们将就此发出通知。客户可在收到通知后三十 (30) 日内以书面方式对新子处理方提出异议；如我们无法合理满足该异议，客户可终止本服务受影响的部分。',"w3legal.subProcessorsTheirDpa":"其 DPA →","w3legal.subProcessorsColPurpose":"用途","w3legal.subProcessorsColLocation":"位置","w3legal.subProcessorsColDataCategories":"数据类别","w3legal.unsubCatMarketingLabel":"营销邮件","w3legal.unsubCatMarketingDesc":"营销活动邮件、促销和电子简报","w3legal.unsubCatTransactionalLabel":"交易邮件","w3legal.unsubCatTransactionalDesc":"贷款状态更新、文档通知","w3legal.unsubCatUpdatesLabel":"产品更新","w3legal.unsubCatUpdatesDesc":"功能公告和平台资讯","w3legal.unsubInvalidLink":"链接无效。","w3legal.unsubCouldNotVerify":"无法验证您的退订链接。","w3legal.unsubSelectCategory":"请勾选上方的复选框以确认退订。","w3legal.unsubSomethingWrong":"出现了错误。","w3legal.unsubNetworkError":"网络错误。请重试。","w3legal.unsubInvalidTitle":"退订链接无效","w3legal.unsubInvalidBody":"此退订链接无效或已过期。请使用您最近一封电子邮件中的链接。","w3legal.unsubVerifying":"正在验证您的链接...","w3legal.unsubSuccessTitle":"偏好设置已更新","w3legal.unsubSuccessBody":"您的电子邮件偏好设置已保存。您将不再收到所选类别的电子邮件。","w3legal.unsubSuccessNote":"更改可能需要长达 24 小时才能完全生效。","w3legal.unsubFormTitle":"电子邮件偏好设置","w3legal.unsubFormManage":"管理您接收我们发送的哪些电子邮件。退订","w3legal.unsubAllTitle":"退订营销邮件","w3legal.unsubAllDesc":"与您贷款相关的邮件（状态更新、文件请求及其他服务通知）仍会继续发送。","w3legal.unsubChooseCategories":"或选择特定类别：","w3legal.unsubReasonLabel":"原因（可选）","w3legal.unsubReasonPlaceholder":"请告诉我们您退订的原因...","w3legal.unsubSaving":"正在保存...","w3legal.unsubUpdate":"更新偏好设置","w3legal.unsubCanSpam":"符合 CAN-SPAM 规定。您的请求将在 10 个工作日内处理。","w3legal.unsubLoading":"正在加载...","w3legal.glbaTitle":"GLBA 安全保障信息安全政策","w3legal.glbaEffective":"自 2026-05-16 起生效。","w3legal.glbaTocScope":"1. 范围和适用法律","w3legal.glbaTocQualifiedIndividual":"2. 合格人员","w3legal.glbaTocRiskAssessment":"3. 风险评估","w3legal.glbaTocAccessControls":"4. 访问控制","w3legal.glbaTocInventory":"5. 信息清单","w3legal.glbaTocEncryption":"6. 加密","w3legal.glbaTocSecureDevelopment":"7. 安全开发","w3legal.glbaTocMfa":"8. 多因素身份验证","w3legal.glbaTocDisposal":"9. 信息处ç

1½®","w3legal.glbaTocChangeManagement":"10. 变更管理","w3legal.glbaTocMonitoring":"11. 监控和日志记录","w3legal.glbaTocTraining":"12. 人员培训","w3legal.glbaTocServiceProviders":"13. 服务提供商监督","w3legal.glbaTocEvaluation":"14. 定期评估","w3legal.glbaTocIncidentResponse":"15. 事件响应","w3legal.glbaTocReporting":"16. 年度报告","w3legal.glbaScopeBody":"本信息安全政策（“Policy”）实施 Unified Loan System 根据《Gramm-Leach-Bliley Act》（16 C.F.R. Part 314，“Safeguards Rule”）依联邦贸易委员会的 Safeguards Rule 所要求的全面书面信息安全计划。本政策适用于 Unified Loan System 就本服务代表其经纪人租户所处理（Process）的所有非公开个人信息（“NPI”）。每个经纪人租户均为 Safeguards Rule 项下的“financial institution”，并对其自身的书面信息安全计划负责；本 Policy 管辖 NPI 保护的平台层。","w3legal.glbaQualifiedIndividualBody":"Unified Loan System 指定一名合格人员负责监督、实施和执行本 Policy。该合格人员定期就安全计划的状态向 Unified Loan System 的治理机构（在单一成员实体的情况下为创始人）报告。截至生效日期，该合格人员为 Unified Loan System 的创始人；此项职责可经书面方式重新分配。","w3legal.glbaRiskAssessmentBody":"Unified Loan System 至少每年一次，以及每当运营发生可能影响 NPI 安全的重大变更时，执行并记录一份书面风险评估。该评估识别对 NPI 的安全性、保密性和完整性合理可预见的内部和外部风险；评估为控制这些风险所设置的保障措施是否充分；并用于根据需要修订本 Policy。风险评估结果至少保留五（5）年。","w3legal.glbaAccessControlsBody":"对 NPI 的访问按照最小权限和必要知情原则加以限制。生产环境访问需要经过身份验证的身份（SSO 或由硬件密钥支持的凭据）、由合格人员明确授予的授权，以及针对敏感操作的限时权限提升。平台中的租户级隔离确保某一经纪人租户的人员无法访问另一租户的 NPI。访问权限至少每六（6）个月审查一次，并在角色变更或离职时予以撤销。","w3legal.glbaInventoryBody":"Unified Loan System 维护一份对 NPI 进行收集、存储、处理、传输或销毁的系统清单。该清单标明系统、所处理的 NPI 类别、数据流、保留类别以及负责的责任人。该清单至少每年审查一次，并在发生重大变更时予以更新。","w3legal.glbaEncryptionBody":"NPI 在传输中和静止状态下均使用行业标准算法进行加密（传输采用 TLS 1.2 或更高版本；静止状态采用 AES-256 或同等算法）。加密密钥通过云服务提供商的托管密钥服务进行管理，访问均记录并审计。如对特定数据字段进行加密不可行，则由 Qualified Individual 书面批准并记录采用有效的替代性补偿控制措施。","w3legal.glbaSecureDevelopmentBody":"软件开发遵循安全编码实践，包括代码审查、静态分析、依赖项漏洞扫描以及部署前测试。生产环境的部署进行版本控制、审查并批准。第三方库均被纳入清单并监控其安全公告。","w3legal.glbaMfaBody":"代表 Unified Loan System 访问 NPI 的任何个人均须使用多因素身份验证，但 Qualified Individual 书面批准并记录采用合理等效或更安全的访问控制措施的情形除外。生产系统的管理性访问须使用基于硬件密钥的身份验证。","w3legal.glbaDisposalBody":"NPI 应在该信息最后一次用于与本服务相关用途之日起不迟于两（2）年内予以安全销毁，除非适用法律、正当业务需要要求保留，或 MSA 或 DPA 另有约定。销毁程序使该信息无法读取、无法解读且无法重构。","w3legal.glbaChangeManagementBody":"在部署之前，平台信息系统的重大变更须依据本政策进行评估。对处理 NPI 的组件的变更须经 Qualified Individual 批准。生产环境的变更进行版本控制，并附有归属、时间戳和回退路径。","w3legal.glbaMonitoringBody":"Unified Loan System 监控经授权访问 NPI 的用户的活动，并记录关键的安全和访问事件。日志至少保留一（1）年，并由 Qualified Indiv

1idual 定期审查以发现异常。本服务在经纪商租户（broker-tenant）级别维护访问 NPI 操作的审计跟踪，以便租户能够回应其自身的监管查询。","w3legal.glbaTrainingBody":"所有可访问 NPI 的 Unified Loan System 人员均在入职时及此后每年接受安全意识培训。Qualified Individual 根据不断演变的风险评估培训的充分性和时效性。","w3legal.glbaServiceProvidersBody":"Unified Loan System 选择有能力为 NPI 维持适当保护措施的服务提供商；通过合同要求服务提供商实施并维持此类保护措施；并根据服务提供商所带来的风险及其保护措施的持续充分性，定期对其进行评估。子处理方的最新清单维护于","w3legal.glbaEvaluationBody":"Qualified Individual 至少每年评估本政策一次，并在平台运营或威胁环境发生重大变更时进行评估。调整事项均予以记录并传达给相关人员。","w3legal.glbaIncidentResponseBody":"Unified Loan System 维护一份书面的事件响应计划，其中包含以下内容：内部响应流程；角色与职责；对外和对内沟通；文档和报告要求；以及事件后评估和补救。在发生影响 NPI 的安全事件后，Unified Loan System 按 DPA 的要求毫不迟延地通知受影响的经纪商租户，并支持租户履行其下游的监管和借款人通知义务。","w3legal.glbaReportingBody":"Qualified Individual 至少每年向 Unified Loan System 的治理机构编制一份书面报告，内容涵盖：信息安全计划的总体状况；与计划有关的重大事项（包括风险评估、测试和监控的结果、安全事件、对计划的变更建议）；以及任何需要关注的服务提供商安排。","w3legal.smsEntityLine":"Unified Loan System，California Mortgage Solutions, Inc. 的 DBA。  \xb7  最后更新：2026 å¹´ 6 月 9 日。","w3legal.smsOptInTitle":"短信订阅与同意","w3legal.smsOptInIntroBefore":"这是在以下网址进行账户注册时向借款人显示的短信订阅","w3legal.smsOptInIntroMiddle":"——位于最后的“查看并接受”步骤，紧接在电话号码字段下方——以及在贷款申请中（第 10 步，“披露与同意”）。接收短信的同意是","w3legal.smsOptInOptional":"可选的","w3legal.smsOptInIntroComma":"，复选框为","w3legal.smsOptInUnchecked":"默认未勾选","w3legal.smsOptInIntroAnd":"，并且是","w3legal.smsOptInNotRequired":"非必需的","w3legal.smsOptInIntroAfter":"来创建账户或使用本服务。","w3legal.smsOptInAgreeHeading":"您所同意的内容","w3legal.smsOptInAgreeBody1":"当您在账户注册期间（或在您的贷款申请中）提供您的手机号码并勾选这些复选框中的一个或多个时，即表示您同意就所选类别接收来自 Unified Loan System（California Mortgage Solutions, Inc.）的周期性事务性 SMS 短信——例如一次性安全/登录验证码、贷款状态更新以及文件、成交和电子签名提醒。","w3legal.smsOptInAgreeBody2Before":"消息频率因类别和您贷款档案的活动而异（通常每个类别每月 2–15 条消息）。","w3legal.smsOptInReplyBefore":"回复","w3legal.smsOptInReplyHelp":"以获取帮助，或","w3legal.smsOptInReplyAfter":"以随时取消。运营商不对延迟或未送达的消息负责。我们不发送营销或推广短信，并且我们绝不会向第三方出售、出租或共享您的手机号码或 SMS 订阅数据。","w3legal.smsFullTerms":"完整 SMS 条款","w3legal.smsRatesMayApply":"可能产生消息和数据费用。","w3legal.smsTermsTitle":"SMS 通信条款","w3legal.smsTermsTocWhoSends":"1. 谁发送这些消息","w3legal.smsTermsTocCategories":"2. 消息类别","w3legal.smsTermsTocOptIn":"3. 您如何选择加入","w3legal.smsTermsTocFrequency":"4. 消息频率","w3legal.smsTermsTocOptOut":"5. 退出和帮助关键词","w3legal.smsTermsTocRates":"6. 消息和数据费用","w3legal.smsTermsTocCarriers":"7. 支持的运营商和送达","w3legal.smsTermsTocPrivacy":"8. 隐私","w3legal.smsTermsTocChanges":"9. 对本条款的变更","w3legal.smsTermsTocContact":"10. 联系方式","w3legal.smsWhoSendsBody":"来自 Unified Loan System 的 SMS 消息由 California Mortgage Solutions, Inc.（以商号“Unified Loan System”运营）发送，这是一家在加利福尼亚州持牌的抵押贷款经纪公司。消息来自已在我们的电信提供商 Twilio Inc. 注册并验证的电话号码。","w3legal.smsCategoriesIntro":"Unified Loan System 运行三个独立的短信项目。每个项目都需要在账户注册时或在您的贷款申请中获得各自的肯定性选择加入。您可以选择加入其中的任意组合（或都不选）。","w3legal.smsCategoriesItem1Label":"安全与身份验证消息。","w3legal.smsCategoriesItem1Body":"双重身份验证 (2FA) 代码、账户安全提醒和安全消息。典型频率：每月 5-10 条消息。","w3legal.smsCategoriesItem2Label":"贷款状态与运营更新。","w3legal.smsCategoriesItem2Body":"贷款状态通知、文件请求以及贷款机构关于您的有效贷款档案的沟通。典å

1ž‹é¢‘率：每月 5-15 条消息。","w3legal.smsCategoriesItem3Label":"文件、成交与电子签名提醒。","w3legal.smsCategoriesItem3Body":"电子签名请求、成交日期提醒和文件签署通知。典型频率：每月 2-8 条消息。","w3legal.smsCategoriesIndependentBefore":"每个项目都是独立的。发送短信","w3legal.smsCategoriesIndependentAfter":"会同时撤销全部三项，而“设置 → 通知”中的短信开关会暂停发送至您号码的所有短信。如需更改单个类别，请联系","w3legal.smsCategoriesBroker":"经纪人账户具有类似的可选类别，在经纪人注册时以相同方式收集：安全与身份验证（每月 5-10 条）、工作区与业务管道活动（每月 10-25 条），以及账户与文件活动（每月 2-8 条）。","w3legal.smsCategoriesNoMarketingLabel":"我们不发送营销或推广短信。","w3legal.smsCategoriesNoMarketingBody":"我们不会将您的电话号码分享给第三方或关联方用于其自身的营销目的。","w3legal.smsOptInIntro":"只有在您明确、肯定地选择加入后，您才会收到来自 Unified Loan System 的短信。选择加入通过以下方式之一进行记录：","w3legal.smsOptInSignupLabel":"在账户注册期间","w3legal.smsOptInAtPrefix":"于","w3legal.smsOptInOr":"或","w3legal.smsOptInSignupAfter":"，通过勾选一个同意框，授权 Unified Loan System 向您提供的电话号码发送交易类短信。","w3legal.smsOptInApplyLabel":"在贷款申请期间","w3legal.smsOptInApplyAfter":"，第 10 步（“披露与同意”），其中会出现相同的三个可选类别复选框——您勾选的每个类别都会记录其各自独立的短信同意。","w3legal.smsOptInOtherPurpose":"为任何其他目的而收集的电话号码（例如，您的贷款专员的联系信息）在您单独选择加入之前，不会被纳入短信服务。","w3legal.smsFrequencyBody":"消息频率因类别而异。各类别的典型范围请参见上文第 2 节（安全与身份验证：每月 5-10 条；贷款状态与运营更新：每月 5-15 条；文件、成交与电子签名提醒：每月 2-8 条）。您每月的总消息量取决于您所选择加入的类别以及您贷款档案中的活动情况。身份验证代码仅在您发起登录或敏感操作时发送。","w3legal.smsOptOutIntro":"您可以随时通过对收到的任何来自 Unified Loan System 的短信回复以下任一关键词来取消订阅：","w3legal.smsOptOutAfterStopBefore":"在您发送 STOP 关键词后，您将收到一条最终确认消息，在您重新订阅之前不会再向该号码发送任何短信。要重新订阅，请回复","w3legal.smsOptOutReplyBefore":"回复","w3legal.smsOptOutReplyMiddle":"随时获取支持信息，或访问","w3legal.smsOptOutReplyEmail":"您也可以发送电子邮件至","w3legal.smsOptOutImportantLabel":"重要提示：","w3legal.smsOptOutImportantBody":"取消订阅短信并不会取消您对电子邮件或应用内通知的订阅，也不会影响基础贷款档案。如果短信被禁用，某些身份验证流程可能要求您使用替代方法（例如，身份验证器应用程序或电子邮件验证码）。","w3legal.smsRatesBody":"Unified Loan System 不收取任何短信费用，但您的无线运营商可能会根据您的套餐对接收或发送的消息收费。请联系您的运营商以了解有关您套餐短信资费的详细信息。","w3legal.smsCarriersBody":"Unified Loan System 支持向所有主要的美国无线运营商发送短信，包括 AT&T、Verizon、T-Mobile、US Cellular、Sprint、Boost Mobile、MetroPCS 等。运营商对延迟或未送达的消息不承担责任。不保证任何单条消息的送达。","w3legal.smsPrivacyBefore":"电话号码和短信订阅状态根据我们的","w3legal.smsPrivacyAfter":"我们不会出于第三方的营销目的向其出售、出租或共享电话号码、订阅数据或短信内容。电话号码仅与我们的短信发送服务提供商（Twilio）共享，且严格用于发送您已选择接收的消息。","w3legal.smsChangesBody":"我们可能会不时更新这些短信条款。重大变更将反映在上方的“Last Updated”日期中。在变更后继续注册短信即表示接受更新后的条款。如果我们对所发送消息的类别进行重大变更，您将收到应用内或电子邮件通知，并可能需要重新确认您的订阅。","w3legal.smsContactIntro":"有关这些短信条款或您收到的来自 Unified Loan System 的消息的问题：","w3legal.smsContactEmailLabel":"电子邮件：","

1w3legal.smsContactWebLabel":"网站：","w3legal.smsContactEntity":"运营实体：California Mortgage Solutions, Inc., San Luis Obispo, CA","w3legal.smsSeeAlsoOur":"另请参阅我们的","w3info.changelog.eyebrow":"更新日志","w3info.changelog.heroPre":"新功能发布于","w3info.changelog.heroSub":"每个版本，每项改进。我们快速发布并记录一切。","w3info.changelog.date.may2026":"2026年5月","w3info.changelog.date.apr2026":"2026年4月","w3info.changelog.tag.major":"重大发布","w3info.changelog.tag.feature":"新功能","w3info.changelog.tag.infra":"基础设施","w3info.changelog.tag.fix":"错误修复","w3info.changelog.v32.title":"三合一信用查询 + AI 信用报告分析","w3info.changelog.v32.item1":"通过 SoftPro/FactualData 进行实时三合一信用查询，提供真实的征信机构评分","w3info.changelog.v32.item2":"AI 生成的信用说明直接显示在贷款档案中","w3info.changelog.v32.item3":"信用仪表板小组件，包含信用账户摘要和不良记录标记","w3info.changelog.v32.item4":"管理员 AI 代理身份验证关卡——所有 AI 端点现在都需要有效会话","w3info.changelog.v31.title":"内部电子签名 v1——端到端实时上线","w3info.changelog.v31.item1":"符合 PAdES 标准的内部电子签名——无 DocuSign 按信封收费","w3info.changelog.v31.item2":"借款人审计追踪：每个事件捕获 IP、时间戳和已签署字段","w3info.changelog.v31.item3":"开发签名证书已在生产环境中启用；已记录用于投资人交接的 DigiCert 证书路径","w3info.changelog.v31.item4":"PDF.js worker 已固定版本——对所有上传文件进行零字节保护","w3info.changelog.v31.item5":"已通过冒烟测试：信封 af503135 在贷款 c7eb5d59 上完成签署","w3info.changelog.v30.title":"安全加固——三层级发布","w3info.changelog.v30.item1":"账户锁定、HIBP 泄露检查、broker MFA、新设备电子邮件提醒","w3info.changelog.v30.item2":"安全问题、会话 IP/UA 绑定、敏感字段升级验证","w3info.changelog.v30.item3":"通过 @simplewebauthn 实现通行密钥（WebAuthn）——全面浏览器支持","w3info.changelog.v30.item4":"近期登录仪表板 + 一键登出所有设备 + 异地登录（不可能的旅行）提醒","w3info.changelog.v30.item5":"闲置超时 + 位于 /admin/audit 的管理员审计日志界面","w3info.changelog.v29.title":"Plaid 银行收入 + ID 扫描器","w3info.changelog.v29.item1":"Plaid Link 集成——沙盒已上线，生产环境取决于 MSA 签署","w3info.changelog.v29.item2":"AAMVA 条形码扫描器：3 种模式（上传/相机/QR 交接），3 层提取","w3info.changelog.v29.item3":"Dynamsoft 浏览器端解码，配合 ZXing 服务器及视觉 OCR 后备方案","w3info.changelog.v29.item4":"已接入 Plaid Cashflow/Income Insights、Consumer Report 和 Identity Match","w3info.changelog.v28.title":"Breeze AI 对话引擎","w3info.changelog.v28.item1":"Breeze 回复系统：已发布 12 项功能——智能日程安排、Gmail OAuth、日历同步","w3info.changelog.v28.item2":"Breeze 操作卡：8 种操作类型、感知缺失项的修复卡、1003 字段注入","w3info.changelog.v28.item3":"对话历史切换器 + 跨会话持久保存","w3info.changelog.v28.item4":"情景模拟、语音和合规副驾驶模式","w3info.changelog.v27.title":"合规引擎 + AUS 审核结果","w3info.changelog.v27.item1":"ATR、HMDA、OFAC、联邦 \xa71026.32 高成本 + CA/NY/TX/FL 州级路由","w3info.changelog.v27.item2":"AUS 审核结果模板：DU 和 LP 预填合格收入/DTI/LTV","w3info.changelog.v27.item3":"MISMO 3.4 导出已上线——可向贷方交接","w3info.changelog.v27.item4":"HMDA LAR 导出器 + 每次编辑贷款时重新计算合规性","w3info.changelog.v26.title":"NAS 文件存储 + 借款人门户","w3info.changelog.v26.item1":"通过 Cloudflare Tunnel 在 Synology NAS 上运行 MinIO——所有上传均不经云端","w3info.changelog.v26.item2":"重建借款人门户：6 个设置子页面、个人资料、密码、通知","w3info.changelog.v26.item3":"访客 1003 流程（选项 A——注册前不收集 NPI），注册时自动填充","w3info.changelog.v26.item4":"首次访问导览 + /borrower/help 操作指引已上线","w3info.changelog.ctaTextPre":"我们每周发布多次。为仓库点星或关注","w3info.changelog.ctaTextPost":"以获取实时更新。","w3info.changelog.ctaStartBuilding":"开始构建","w3info.changelog.ctaSeeFeatures":"查看所有功能","w3info.resources.eyebrow":"资源","w3info.resources.heroPre":"Broker","w3info.resources.heroAccent":"资源","w3info.resources.heroSub":"指南、文档和支持，助您充分利用 Unified Loan System。","w3info.resources.card.knowledgeBase.title":"知识库","w3info.resources.card.knowledgeBase.desc":"关于仪表板、文件上传、AI 承保决策和合规检查的分步指南。","w3info.resources.card.knowledgeBase.action":"查看指南","w3info.resources.card.apiDocs.title":"API 文档","w3info.resources.card.apiDocs.desc":"通过 REST API 将 

1Unified Loan System 与您现有的 CRM、LOS 或自定义前端集成的技术文档。","w3info.resources.card.apiDocs.action":"阅读文档","w3info.resources.card.videos.title":"视频演示","w3info.resources.card.videos.desc":"借款人门户、流程管理和 AI 条件审核流程的屏幕录制演示。","w3info.resources.card.videos.action":"观看视频","w3info.resources.card.compliance.title":"合规指南","w3info.resources.card.compliance.desc":"HMDA、ATR/Reg Z、OFAC 及州级高成本测试文档，附实例和导出核对清单。","w3info.resources.card.compliance.action":"查看合规","w3info.resources.supportCta.heading":"需要个性化支持？","w3info.resources.supportCta.body":"我们的 broker 客户成功团队随时待命。如有复杂档案、合规问题或入门帮助，请直接联系我们。","w3info.resources.supportCta.contact":"联系支持","w3info.resources.supportCta.allOptions":"所有联系方式","w3info.apiDocs.backToResources":"返回资源","w3info.apiDocs.title":"API 文档","w3info.apiDocs.subtitle":"将 Unified Loan System 的承保引擎直接集成到您的 CRM 中。","w3info.apiDocs.previewNote":"这是预览。如需访问完整的 API 参考，请联系我们的工程团队。","w3info.apiDocs.requestAccess":"申请 API 访问权限","w3info.guides.backToResources":"返回资源","w3info.guides.title":"知识库","w3info.guides.subtitle":"关于使用 Unified Loan System 您需要了解的一切。","w3info.guides.cat.gettingStarted":"入门","w3info.guides.cat.documentManagement":"文件管理","w3info.guides.cat.underwritingConditions":"承保与条件","w3info.guides.link.settingUpProfile":"设置您的 Broker 个人资料","w3info.guides.link.invitingClient":"邀请您的第一位客户","w3info.guides.link.dashboardOverview":"了解仪表板","w3info.guides.link.scanningBestPractices":"扫描的最佳实践","w3info.guides.link.resolvingOcrErrors":"解决 OCR 错误","w3info.guides.link.secureSharing":"安全的文件共享","w3info.guides.link.interpretingAi":"解读 AI 决策","w3info.guides.link.clearingConditions":"自动清除条件","w3info.guides.link.manualReview":"请求人工审核","w3info.guideArticle.backToKb":"返回知识库","w3info.guideArticle.helpful":"这篇文章对您有帮助吗？","w3info.guideArticle.yes":"有帮助","w3info.guideArticle.no":"没有","w3info.support.backToResources":"返回资源","w3info.support.title":"联系支持","w3info.support.subtitle":"我们的客户成功团队在此帮助您清除条件并完成贷款。","w3info.support.emailUs":"给我们发邮件","w3info.support.emailResponse":"平均 4 小时响应时间","w3info.support.liveChat":"在线聊天","w3info.support.chatAvailability":"可在仪表板中使用","w3info.support.chatHours":"周一至周五 上午9点 - 下午6点 EST","w3info.support.submitTicket":"提交工单","w3info.support.subjectLabel":"主题","w3info.support.subjectPlaceholder":"问题简述","w3info.support.messageLabel":"消息","w3info.support.messagePlaceholder":"请详细告诉我们发生了什么……","w3info.support.submitRequest":"提交请求","w3info.beta.errorInvalid":"Beta 访问码无效。请重试。","w3info.beta.errorGeneric":"出现错误。请重试。","w3info.beta.eyebrow":"私有 Beta","w3info.beta.title":"Beta 访问","w3info.beta.subtitle":"本平台正处于私有开发阶段。请输入您的邀请码以继续。","w3info.beta.invitationCode":"邀请码","w3info.beta.unlockAccess":"解锁访问权限","w3info.beta.loading":"加载中…","w3borrower.toastUploading":"正在上传 {name}…","w3borrower.toastUploaded":"{name} 已上传 — 您的贷款专员将进行审核。","w3borrower.toastUploadFailed":"上传失败：{reason}","w3borrower.uploadRejected":"上传被拒绝","w3borrower.loadingCondition":"正在加载条件…","w3borrower.conditionNotFound":"未找到条件。","w3borrower.allConditions":"所有条件","w3borrower.veraSuggestionPlainEnglish":"用通俗易懂的话说，这是什么意思？","w3borrower.veraSuggestionWhereDocument":"我在哪里可以获取这份文件？","w3borrower.veraSuggestionHowLong":"这需要多长时间？","w3borrower.veraSuggestionFromPhone":"我可以用手机发送这个吗？","w3borrower.veraWelcome":"请告诉我这个条件中有什么让您感到困惑的地方。","w3borrower.errInvalidCode":"代码无效或已过期。请重试。","w3borrower.errSomethingWrong":"出了点问题。","w3borrower.errThrottled":"操作过于频繁 — 请等待约一分钟，然后重试。","w3borrower.errAuthenticatorApp":"此账户使用身份验证器应用程序。请打开它并使用当前的 6 位数字代码。","w3borrower.errResendFailed":"无法重新发送代码。请检查您的网络连接并重试。","w3borrower.verifyEyebrow":"借款人","w3borrower.verifyTitle":"最后一项检查 — 验证您的身份","w3borrower.verifySubtitleEmailPrefix":"我们刚刚已将一个 6 位数字代码通过电子邮件发送至","w3borrower.verifySubtitleNoEmail":"我们刚刚已通过电子邮件向您发送了一个 6 位数字代码。","w3borrower.newCodeSent":"新代码已发送 — 请查看您的收件箱（以及垃圾邮件文件夹）。","w3borrower.whyCodeHeading":"为什么我们需要é

1ªŒè¯ç ","w3borrower.whyCodeBody1":"即使有人知道您的密码，没有访问您收件箱的权限也无法登录。我们会发送一个 6 位数字代码","w3borrower.whyCodeBodyEmphasis":"每次您从新设备登录时","w3borrower.whyCodeBody2":"— 一旦我们之前在此浏览器上识别过您，30 天内将不会再次提示您。","w3borrower.lookForEmail":"查找这封电子邮件","w3borrower.emailFromLabel":"发件人：","w3borrower.emailSubjectLabel":"主题：","w3borrower.emailSubjectValue":"您的 Unified Loan System 登录代码","w3borrower.codeExpiresBefore":"代码将在","w3borrower.codeExpiresDuration":"10 分钟","w3borrower.typeCodeLabel":"在下方输入 6 位数字代码","w3borrower.codeTip":"提示：大多数电子邮件应用程序会在预览行中显示代码 — 您可能无需打开电子邮件。","w3borrower.verifyAndSignIn":"验证并登录","w3borrower.backToSignIn":"返回登录","w3borrower.resendAriaSending":"正在发送新代码…","w3borrower.resendAriaSent":"代码已发送 — 请查看收件箱","w3borrower.resendAriaIdle":"发送新代码","w3borrower.resendSending":"正在发送…","w3borrower.resendSent":"已发送 — 请查看收件箱","w3borrower.resendIdle":"发送新代码","w3borrower.spamHint":'没有看到代码？请检查您的垃圾邮件或促销文件夹。如果代码已过期，请点击上方的"发送新代码"。',"w3borrower.loading":"正在加载…","w3borrower.offlineTitle":"您已离线","w3borrower.offlineBody":"看起来您的网络连接中断了。您的贷款申请是安全的 — 每个已保存的字段都在我们的服务器上，任何正在进行的编辑都将在您重新联网后立即同步。","w3borrower.offlineReconnecting":"正在重新连接…","w3borrower.offlineTryAgain":"重试","w3borrower.offlineBorrowerDashboard":"借款人仪表板","w3borrower.offlineContinueApplication":"继续您的申请","w3borrower.offlineTip":"提示：1003 申请向导可离线使用 — 您的编辑会在您重新联网后立即同步到我们的服务器。","w3borrower.paymentReceivedTitle":"已收到付款","w3borrower.cardSavedTitle":"卡片已存档保存","w3borrower.paymentReceivedBody":"谢谢。您的经纪人已自动收到通知，Stripe 将很快通过电子邮件向您发送一份明细收据。","w3borrower.cardSavedBody":"您的付款卡现已通过 Stripe 安全保存。您的经纪人将自动收到通知 — 您无需再做任何操作。","w3borrower.cardSavedDisclaimerBefore":"您的卡","w3borrower.cardSavedDisclaimerNot":"不会","w3borrower.cardSavedDisclaimerAfter":"被扣款，除非您的贷款未能完成成交，并且仅针对您的经纪人代您支付的有据可查的第三方费用。在任何扣款之前，您都会收到一份明细通知。","w3borrower.paymentCanceledTitle":"付款已取消","w3borrower.cardNotSavedTitle":"卡片未保存","w3borrower.paymentCanceledBody":"您在完成付款之前取消了操作，因此未产生任何扣款。您可以关闭此标签页，或在您准备好时再次使用您经纪人提供的链接。","w3borrower.cardNotSavedBody":"您在完成设置之前取消了操作，因此未保存任何卡片。您可以关闭此标签页，或在您准备好时再次使用您经纪人提供的链接。","w3borrower.closeThisTab":"关闭此标签页","w3borrower.verifyUniversalTitle":"通用训练验证","w3borrower.testSuite":"测试套件","w3borrower.testSuiteDescription":'正在针对新的"通用文档训练"逻辑运行全面测试。此测试模拟 11 种不同的文档类型，包括纳税申报表、W-2 表格、身份证件等。',"w3borrower.runningTests":"正在运行测试...","w3borrower.runComprehensiveTests":"运行全面测试","w3borrower.results":"结果","w3borrower.expectedLabel":"预期：","w3borrower.actualLabel":"实际：","w3borrower.pass":"通过","w3borrower.fail":"失败","w3borrower.confLabel":"置信度：","w3borrower.plaidExchangeFailed":"银行交换失败","w3borrower.plaidLinked":"银行已关联 — 正在获取您的账户。","w3borrower.plaidReconnectFailed":"标记重新连接失败","w3borrower.plaidReconnected":"银行已重新连接 — 您的贷款数据再次为最新状态。","w3borrower.plaidFinishFailed":"我们无法完成银行关联。请重试或使用手动上传。","w3borrower.plaidSessionEnded":"银行会话意外结束。请重试或上传对账单。","w3borrower.plaidSessionExpiredTitle":"银行关联会话已过期","w3borrower.plaidSessionExpiredBody1":"我们找不到有效的银行关联会话。这通常å

1‘生在您银行的授权耗时超出预期时，或在此页面被重新加载时。","w3borrower.plaidSessionExpiredBody2":'返回您的贷款申请，再次点击"连接银行"以开始新的会话。',"w3borrower.plaidBackToDashboard":"返回仪表板","w3borrower.plaidLinkingTitle":"正在关联您的银行…","w3borrower.plaidResumingTitle":"正在恢复银行连接…","w3borrower.plaidLinkingBody":"即将完成 — 正在将您的账户保存到您的贷款档案中。","w3borrower.plaidResumingBody":"请稍候，我们正在授权后重新连接到您的银行。","w3sign.error.heading":"无法签署","w3sign.error.missingToken":"缺少访问令牌。","w3sign.error.invalidLink":"此签署链接无效或已过期。","w3sign.error.notFound":"未找到信封。","w3sign.error.alreadySigned":"此文件已签署。","w3sign.error.declined":"此签署请求已被拒绝。","w3sign.error.linkUsed":"此签署链接已被使用。","w3sign.error.somethingWrong":"出了点问题","w3sign.error.tryAgain":"重试","w3sign.doc.fallbackTitle":"文件","w3sign.consent.recordError":"无法记录同意 ({status})","w3sign.consent.recordErrorRetry":"无法记录您的同意。请重试。","w3sign.decline.failed":"拒绝失败：{status}","w3sign.decline.recordError":"无法记录拒绝。","w3sign.decline.button":"拒绝签署","

1w3sign.submit.placeAllFirst":"请先在每个必填位置放置您的签名。","w3sign.submit.failed":"签署失败：{status}","w3sign.submit.failedRetry":"无法提交签名。请重试。","w3sign.submit.button":"提交已签署文件","w3sign.submit.needMoreOne":"再签署 1 个字段即可继续","w3sign.submit.needMoreMany":"再签署 {count} 个字段即可继续","w3sign.submitting.loaderLabel":"正在处理签名…","w3sign.submitting.title":"正在提交您的签名…","w3sign.submitting.body":"请稍候——我们正在完成已签署的文件。","w3sign.done.iconLabel":"成功","w3sign.done.title":"您已全部签署完成！","w3sign.done.bodyBefore":"您已签署的文件已封存。副本将通过电子邮件发送至 ","w3sign.done.bodyAfter":" 几分钟内。","w3sign.done.continue":"继续","backs.title":"几项快速确认","backs.intro":"在继续之前，请查看并签署这些账户设置通知。只需一分钟。","backs.item.esign":"同意接收电子文件并使用电子签名","backs.item.glba":"隐私通知","backs.item.holden":"公平借贷通知","backs.status.signed":"已签署","backs.status.awaiting":"待签署","backs.cta.start":"查看并签署","backs.cta.continue":"继续签署","backs.cta.opening":"正在打开…","backs.later":"稍后提醒我","backs.error":"打开签署页面时出错。请重试。","w3sign.declined.title":"已拒绝签署","

1w3sign.declined.body":"我们已记录您的决定。如果您改变主意或有疑问，请联系您的贷款专员。","w3sign.header.signingAs":"签署人","w3sign.sign.stepLabel":"第 2 步，共 2 æ­¥","w3sign.sign.heading":"签署您的文件","w3sign.sign.instructionCreate":"在下方创建您的签名，然后点击文件上每个高亮的字段以应用签名。","w3sign.sign.instructionAllPlaced":"所有字段已签署——您可以提交了。","w3sign.sign.instructionProgress":"已签署 {placed}/{total} 个字段。点击每个高亮的字段以继续。","w3sign.sign.createSignature":"创建您的签名","w3sign.sign.intentNote":"您点击的每个字段都会记录您在该处签署的意图。当您提交时，最终的已签署 PDF 将被封存并通过电子邮件发送给您。","w3sign.signature.label":"您的签名","w3sign.signature.change":"更改","w3sign.signature.adoptedAlt":"您采用的签名","w3sign.signature.initialsLabel":"缩写签名：","w3sign.signature.dateLabel":"日期：","w3sign.placeAll.one":"一次性签署剩余的 1 个字段","w3sign.placeAll.many":"一次性签署剩余的 {count} 个字段","w3sign.progress.pill":"已签署 {placed}/{total}","w3sign.progress.pillAria":"已签署 {placed}/{total} 个签名字段","w3sign.progress.listAria":"签名字段进度","w3sign.progress.fieldsHeading":"签名字段","w3sign.progress.noFields":"此文件上未找到签名字段。","w3sign.progress.page":"第 {page} 页","w3sign.fieldType.initial":"缩写签名","w3sign.fieldType.date":"日期","w3sign.fieldType.signature":"签名","common.skipToMain":"跳到主要内容","rwset.heading":"设置","rwset.subheading":"管理您的账户和偏好设置。","rwset.backToAll":"返回所有设置","rwset.all":"全部","rwset.editInApplication":"需要更新您的姓名、电子邮件或电话号码吗？请在您的申请中进行编辑","rwset.section.security.label":"安全","rwset.section.security.desc":"密码、2FA、通行密钥和安全问题","rwset.section.notifications.label":"通知","rwset.section.notifications.desc":"我们如何以及何时向您更新贷款情况","rwset.section.appearance.label":"外观","rwset.section.appearance.desc":"主题和颜色","rwset.section.connections.label":"连接","rwset.section.connections.desc":"银行账户和关联服务","rwset.section.privacy.label":"隐私与数据","rwset.section.privacy.desc":"下载或删除您的数据 (CCPA / GDPR)","rwset.appearance.themeTitle":"主题","rwset.appearance.themeDesc":"选择浅色、午夜或纯黑。","rwset.appearance.themeMode.light":"浅色","rwset.appearance.themeMode.midnight":"午夜","rwset.appearance.themeMode.dark":"纯黑","rwset.appearance.accentTitle":"强调色","rwset.appearance.accentDesc":"用于按钮、链接和高亮显示。","rwset.appearance.accentColorAria":"{color} 强调色","rwset.appearance.color.default":"靛蓝","rwset.appearance.color.ocean":"海洋","rwset.appearance.color.forest":"森林","rwset.appearance.color.sunset":"日落","rwset.appearance.color.lavender":"薰衣草","rwset.privacy.intro":"根据加利福尼亚州的 CCPA 和 GDPR，您有权查看、导出或删除您的数据。请使用以下控件。","rwset.privacy.retentionNote":"我们将在 45 天内回复。某些数据是联邦记录保存所必需的 (HMDA、BSA / OFAC、Reg B / ECOA、FCRA)，即使在删除个人偏好设置后也必须保留。在处理您的请求时，我们会告知您哪些字段受此保留要求约束。","rwset.connections.bankTitle":"银行账户 (Plaid)","rwset.connections.bankDesc":"自动将您的银行余额和对账单填入您的 1003 表格。您可以随时断开连接；断开连接也会删除我们从 Plaid 缓存的数据。","rwset.connections.loading":"加载中…","rwset.connections.startToConnect":"开始申请以连接银行。","rwset.connections.bankConnected":"银行已连接","rwset.connections.bankConnectedNamed":"银行已连接 — {institution}","rwset.connections.noBank":"未连接银行。您可以从申请的资产部分关联一个。","rwset.connections.product.assetReport":"资产报告","rwset.connections.product.assetReportPending":"正在提取 2 年的余额…","rwset.connections.product.incomeVerification":"收入验证","rwset.connections.product.incomeVerificationPending":"正在分析直接存款…","rwset.connections.product.consumerReport":"消费者报告","rwset.connections.product.consumerReportPending":"正在构建现金流信号…","rwset.connections.product.ready":"就绪","rwset.connections.product.failed":"失败 — 请联系您的贷款专员","rwset.security.twoFactorTitle":"双重身份验证","rwset.security.twoFactorDesc":"在您的密码之上增加一个身份验证器应用的代码。","rwset.security.passkeysTitle":"通行密钥","rwset.security.passkeysDesc":"使用您的指纹、面部或设备 PIN 登录 — 抗网络钓鱼且推荐使用。","rwset.security.questionsTitle":"安全问题","rwset.security.questionsDesc":"当您从新设备登录时用作备用方式。","rwset.security.signInsTitle":"最近的登录","rwset.security.signInsDesc":"已登录您账户的设备。如果您不认识某个设备，请更改您的密码。","rwset.security.password.title":"密码","rwset.security.password.desc":"更改密码会注销其他设备。","rwset.security.password.currentPlaceholder":"当前密码","rwset.security.password.currentAria":"当前密码","rwset.security.password.newPlaceholder":"新密码","rwset.security.password.newAria":"新密码","rwset.security.password.confirmPlaceholder":"确认新密码","rwset.security.password.confirmAria":"确认新密码","rwset.security.password.errMinLength":"新密码必须至少包含 8 个字符。","rwset.security.password.errMismatch":"新密码不匹配。","rwset.security.password.errGeneric":"无法更改密码。","rwset.security.password.updated":"密码已更新。","rwset.security.password.saving":"正在保存…","rwset.security.password.changeBtn":"更改密码","rwset.security.twoFactor.enabledNotice":"2FA 已启用。","rwset.security.twoFactor.disableBtn":"禁用 2FA","rwset.security.twoFactor.disableWarning":"禁用 2FA 意味着您的账户将仅依赖于您的密码和电子邮件验证码。您确定吗？","rwset.security.twoFactor.cancel":"取消","rwset.security.twoFactor.disabling":"正在禁用…","rwset.security.twoFactor.confirmDisable":"是的，禁用 2FA","rwset.security.twoFactor.loading":"加载中…","rwset.security.twoFactor.setupBtn":"设置 2FA","rwset.security.twoFactor.scanInstructions":"使用 Google Authenticator、Authy 或 1Password 扫描。","rwset.security.twoFactor.qrAlt":"2FA 二ç

1»´ç ","rwset.security.twoFactor.manualKey":"手动密钥：","rwset.security.twoFactor.codePlaceholder":"6 位代码","rwset.security.twoFactor.codeAria":"身份验证器 6 位代码","rwset.security.twoFactor.verifyEnable":"验证并启用","rwset.notifications.errLoadPrefs":"无法加载偏好设置。","rwset.notifications.errLoadConditions":"无法加载条件偏好设置。","rwset.notifications.errSaveFailed":"保存失败。","rwset.notifications.errSaveReverted":"保存失败 — 开关已还原。","rwset.notifications.errSaveRetry":"保存失败 — 请重试。","rwset.notifications.loading":"加载中…","rwset.notifications.channelsTitle":"渠道","rwset.notifications.channelsDesc":"自动保存。","rwset.notifications.emailLabel":"电子邮件","rwset.notifications.emailDesc":"状态更新、文件请求和里程碑。","rwset.notifications.smsLabel":"短信","rwset.notifications.smsDesc":"仅限时效性提醒 — 利率锁定确认和签名请求。","rwset.notifications.voiceTitle":"语音与无障碍","rwset.notifications.voiceDesc":"控制 Breeze 如何使用您的语音与您互动。","rwset.notifications.voiceInputLabel":"语音输入 — 让我向 Breeze 口述问题","rwset.notifications.voiceInputDesc":"使用您浏览器的麦克风。需要浏览器支持。","rwset.notifications.voiceOutputLabel":"语音输出 — 朗读 Breeze 的回答","rwset.notifications.voiceOutputDesc":"每条 Breeze 的消息旁边都会出现一个播放按钮。","rwset.notifications.conditionTitle":"条件通知","rwset.notifications.conditionDesc":"选择当您的贷款专员添加或更新条件时触发哪些提醒。您的贷款专员未启用的渠道会显示为灰色。","rwset.notifications.condition.newEmail.label":"新条件电子邮件","rwset.notifications.condition.newEmail.desc":"当您的贷款添加了新条件时","rwset.notifications.condition.weeklyDigest.label":"每周摘要","rwset.notifications.condition.weeklyDigest.desc":"周日的未完成事项摘要","rwset.notifications.condition.staleReminder.label":"陈旧条件提醒","rwset.notifications.condition.staleReminder.desc":"当某个条件 7 天没有任何活动时发送一次提醒","rwset.notifications.condition.inAppToast.label":"下次访问时的应用内提示","rwset.notifications.condition.inAppToast.desc":"打开门户时显示的新事项数量","rwset.notifications.condition.push.label":"推送通知","rwset.notifications.condition.push.desc":"PWA 推送（必须已安装应用）","rwset.notifications.conditionDisabledTooltip":"您的贷款专员尚未启用此渠道","rwset.notifications.conditionNotEnabled":"您的贷款专员未启用","rwset.notifications.noLoanNote":"尚未分配贷款 — 您的偏好设置已保存，并将在您的贷款专员连接后生效。","rwset.notifications.saveStatus.saving":"正在保存…","rwset.notifications.saveStatus.saved":"已于 {time} 保存","rwset.notifications.saveStatus.failed":"保存失败","rwset.notifications.saveStatus.upToDate":"已是最新","rwdocs.statRequired":"必需","rwdocs.statUploaded":"已上传","rwdocs.statVerified":"已验证","rwdocs.statTotalDocs":"文件总数","rwdocs.tileShowingEverything":"显示全部","rwdocs.tileShowAll":"显示全部","rwdocs.tileFilteringTapToClear":"筛选中 \xb7 点按以清除","rwdocs.tileTapToFilter":"点按以筛选","rwdocs.smartUploadHeading":"智能上传","rwdocs.smartUploadSubtitle":"拖入任何文件——我们会识别它是什么以及该归入何处。","rwdocs.dropZoneHeading":"拖放，或点按以浏览","rwdocs.dropZoneSubtitle":"单个文件或一整批——我们会为您逐一分类和标记。","rwdocs.browseFiles":"浏览文件","rwdocs.useCamera":"使用相机","rwdocs.supportsExtsMax":"支持 {exts} \xb7 每个最多 {size}MB","rwdocs.readingDocument":"正在读取您的文件…","rwdocs.ocrClassifierHint":"OCR + 分类器 \xb7 通常 10–20 秒","rwdocs.cameraOverlayLabel":"请将您的文件保持在取景框内","rwdocs.backToDashboard":"返回仪表板","rwdocs.documentCenter":"文件中心","rwdocs.pageHeading":"您的贷款文件集中于一处","rwdocs.pageSubtitle":"上传工资单、纳税申报表、银行对账单和身份证件ã€

1‚我们会对所有内容进行 OCR 识别，并将每个文件归入正确的位置——您无需标记任何内容。","rwdocs.offlineBanner":"您当前处于离线状态。正在显示您上次保存的文件列表——上传已暂停。","rwdocs.cachedFrom":"缓存自 {date}","rwdocs.statusVerified":"已验证","rwdocs.statusUploaded":"已上传","rwdocs.statusPending":"待处理","rwdocs.statusReviewing":"审核中","rwdocs.fileCountOne":"{count} 个文件","rwdocs.fileCountMany":"{count} 个文件","rwdocs.showingFilterOnly":"仅显示 {filter} \xb7 清除 ✕","rwdocs.filterRequired":"必需","rwdocs.filterUploaded":"已上传","rwdocs.filterVerified":"已验证","rwdocs.documentCollection":"文件收集","rwdocs.collectedCount":"已收集 {done}/{total}","rwdocs.sectionRequired":"必需","rwdocs.sectionStillNeeded":"仍需提供","rwdocs.stillNeededHint":"一次处理一个区域——点按某个区域以展开。","rwdocs.emptyNothingRequired":"这里没有剩余的必需项","rwdocs.emptyAllCaughtUp":"您已全部完成","rwdocs.emptyOptionalItemsPrefix":"您仍有可选项——","rwdocs.showEverything":"显示全部","rwdocs.emptyOptionalItemsSuffix":"。","rwdocs.emptyEveryDocIn":"您列表中的所有文件都已就绪。做得好。","rwdocs.sectionVerified":"已验证","rwdocs.sectionSubmitted":"已提交","rwdocs.emptyNothingVerified":"尚无已验证的项目","rwdocs.emptyNoDocsUploaded":"尚未上传任何文件","rwdocs.emptyVerifiedDescription":"您的贷款团队完成验证后，文件会显示在此处。","rwdocs.emptyNoDocsDescription":"请将文件拖入上方的智能上传区域。我们会自动分类并归入正确的位置。","rwdocs.readyToSubmit":"可以提交","rwdocs.requiredRemainingOne":"还剩 {count} 个必需项","rwdocs.requiredRemainingMany":"还剩 {count} 个必需项","rwdocs.submitHeadingReady":"提交您的文件以供审核","rwdocs.submitHeadingAlmost":"就快好了","rwdocs.submitDescriptionReady":"提交后，您的贷款专员会审核您的文件并将其提交给您的贷款机构。","rwdocs.submitDescriptionAlmost":"请在上方上传剩余的必需项。完成后按钮会自动解锁。","rwdocs.submitting":"正在提交…","rwdocs.submitApplication":"提交申请","rwdocs.askVeraLabel":"向 Breeze 询问您还需要哪些文件","rwdocs.askVeraPrompt":"帮我了解我还需要上传哪些文件，以及每个文件的用途。","rwdocs.modalMismatchTitle":"检测到可能的不匹配","rwdocs.cancel":"取消","rwdocs.proceedAnyway":"仍然继续","rwdocs.modalLabelFile":"文件","rwdocs.modalLabelTargeting":"归入目标","rwdocs.modalLabelDetected":"检测到","rwdocs.noFilesUploaded":"未上传任何文件","rwdocs.documentFallback":"文件","rwdocs.toastScanning":"正在扫描 {count} 个文件...","rwdocs.toastProcessedOne":"已成功处理 {count} 个文件。","rwdocs.toastProcessedMany":"已成功处理 {count} 个文件。","rwdocs.toastCouldNotIdentify":"无法识别已上传的文件。请手动上传到指定类别。","rwdocs.toastAnalyzing":"正在分析文件...","rwdocs.toastUploadSuccess":"文件上传成功。","rwdocs.toastUploadError":"处理文件时出错。","rwdocs.toastUploadCancelled":"上传已取消","rwdocs.toastSubmitFailed":"提交申请失败。请重试。","rwdocs.issueTypeMismatch":"这看起来像是 {detected}（置信度 {confidence}%），但您正在将其上传到 {target}。","rwdocs.issueLastNameNotFound":"在文件中未找到借款人的姓氏“{lastName}”。","rwdocs.issueDobMismatch":"出生日期不匹配：申请中为 {appDob}，此身份证件为 {idDob}。","rwdocs.issueIncomeMismatch":"收入不匹配：工资单显示约 ${detected}/月，但申请中为 ${reported}/月。","fxhero.clickAnyStepBelow":"点击下方的任意步骤","fxhero.onTrack":"一切进展顺利。","fxcompliance.loading":"正在检查您的申请状态…","fxcompliance.heading":"您的申请状态","fxcompliance.footerNote":"有疑问吗？关于合规具体事项，您的经纪人是最佳联系人。","fxcompliance.label.hoepa":"定价在联邦限额范围内","fxcompl

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1 发送。请在披露门户中打开签名链接，或使用提供商发送的电子邮件链接。","fxstages.stage.application":"申请","fxstages.stage.pricing":"定价","fxstages.stage.processing":"处理","fxstages.stage.underwriting":"核保","fxstages.stage.conditions":"条件","fxstages.stage.closing":"成交","fxstages.nav.previousStage":"上一阶段","fxstages.nav.nextStage":"下一阶段","fxstages.nav.loanStages":"贷款阶段","fxstages.nav.ofTotal":"共 {total}","fxstages.nav.stageLabel":"第 {n} 阶段：{name}","fxstages.nav.swipeOffTap":"滑动已关闭 \xb7 点按以启用","fxstages.nav.swipeOnTap":"滑动已开启 \xb7 点按以禁用","fxstages.nav.completeApp":"完成您的申请","fxstages.nav.completeAppUnlock":"完成您的申请以解锁其他阶段","fxstages.nav.unlockSwipeAria":"解锁滑动导航","fxstages.nav.lockSwipeAria":"锁定滑动导航","fxstages.nav.lockedTitle":"已锁定 — 点按以解锁滑动","fxstages.nav.swipeActiveTitle":"滑动已启用 — 点按以锁定","fxstages.nav.locked":"已锁定","fxstages.nav.swipeActive":"滑动已启用","fxstages.nav.showTutorial":"显示导航教程","fxstages.nav.swipeLeft":"向左滑动","fxstages.nav.nextStep":"下一步","fxstages.nav.skipAhead":"跳到前面","fxstages.nav.swipeTo":"滑动至 {stage}","fxstages.tutorial.title":"滑动以导航","fxstages.tutorial.intro":"您可以向左或向右滑动以在各阶段之间移动。","fxstages.tutorial.bodyDesktop":"随时使用右上角的锁定/解锁开关来启用或禁用滑动。","fxstages.tutorial.bodyMobile":"随时使用锁定/解锁滑动开关来启用或禁用滑动 — 或直接点按“后退”和“下一步”按钮。","fxstages.tutorial.gotIt":"明白了！","fxstages.preview.bannerTitle":"借款人门户预览 \xb7 {name}","fxstages.preview.veraPrompt":"请带我了解我贷款的后续步骤，以及我应该关注什么。","fxstages.app.step":"第 1 步：申请","fxstages.app.titleLine1Complete":"申请","fxstages.app.titleLine1Fresh":"开始您的","fxstages.app.titleLine1Partial":"让我们完成","fxstages.app.titleLine2Complete":"已提交","fxstages.app.titleLine2Fresh":"申请","fxstages.app.titleLine2Partial":"您的申请","fxstages.app.subtitleComplete":"我们已收到您的申请，正在准备进行处理。","fxstages.app.subtitleFresh":"我们将带您填写标准的 1003 抵押贷款表格。大约需要 15 分钟。","fxstages.app.subtitlePartial":"您已完成一部分。只需再填写几项细节即可解锁您的贷款选项。","fxstages.app.formStatus":"表格状态","fxstages.app.documentSystem":"文件系统","fxstages.app.docSystemReady":"就绪并已激活","fxstages.app.docSystemInit":"正在初始化...","fxstages.app.complete1003":"完成 1003","fxstages.app.review1003":"查看 1003","fxstages.app.viewLiveRates":"查看实时利率","fxstages.app.actionRequired":"需要操作","fxstages.app.actionRequiredMissing":"需要操作：信息缺失","fxstages.app.missingCountOne":"处理前还缺少 {n} 项。","fxstages.app.missingCountMany":"处理前还缺少 {n} 项。","fxstages.app.countLeft":"还剩 {n} 项","fxstages.app.fill":"填写","fxstages.app.fillOutHere":"在此填写","fxstages.app.liveRateOptions":"实时利率选项","fxstages.app.liveRateOptionsSub":"基于您的信用状况和贷款金额","fxstages.app.product":"产品","fxstages.app.maxLtv":"最高 LTV","fxstages.app.lockThisRate":"锁定此利率","fxstages.app.rateSelectedTitle":"已选择利率","fxstages.app.rateSelectedMsg":"已选择 {rate}% 的利率。您的经纪人将确认并锁定。","fxstages.app.saveErrorTitle":"保存错误","fxstages.app.saveErrorMsg":"无法保存利率选择。","fxstages.pricing.step":"第 2 步：定价","fxstages.pricing.talkTitle":"我们来聊聊您的利率","fxstages.pricing.talkBody":"您的利率取决于您完整的财务状况，并随市场每天变动。您的贷款专员将与放贷方一起为您的贷款定价，并向您讲解您真正的选项 — 您将在 Loan Estimate 上获得书面利率。","fxstages.pricing.talkToLo":"联系您的贷款专员","fxstages.pricing.liveRatesTitle":"您的实时利率","fxstages.pricing.liveRatesSub":"来自我们合作的每家批发放贷方的实时定价 — 已根据您实际符合条件的内容进行筛选。","fxstages.pricing.openFullPage":"打开完整定价页面","fxstages.pricing.noAccess":"您无权访问此贷款。","fxstages.pricing.failedToLoad":"定价加载失败。","fxstages.pricing.loadingRates":"æ­£å

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1®¹ã€‚","r4stage.application.typicalDuration":"通常当天完成——经纪人在提交后几小时内审查。","r4stage.application.prepare.0":"准备好您最近 2 年的 W-2 表格和工资单——大多数贷方会在下一阶段要求提供这些。","r4stage.application.prepare.1":"如果您是自雇人士，请准备 2 年的个人和企业纳税申报表以及 Schedule C / K-1。","r4stage.application.prepare.2":"整理最近 60 天内每个银行、券商和退休账户的对账单。","r4stage.application.prepare.3":"政府颁发的带照片身份证件——驾照或护照。","r4stage.application.gotchas.0":"银行对账单与您 1003 表格上的地址不一致——产权公司会标记这些问题。","r4stage.application.gotchas.1":'近期存入的非直接存款的大额款项——核保人需要一份资金"来源"说明信。',"r4stage.application.gotchas.2":"最近 2 年内的工作变动——请提供前雇主的录用通知书 / W-2 表格。","r4stage.priced.label":"定价","r4stage.priced.headline":"您的利率和方案已选定（可能已锁定）。","r4stage.priced.whatHappens":"您的经纪人在其贷方网络中分析各种方案，为您的档案挑选利率、点数和贷方的最佳组合。如果市场波动，他们会与您讨论何时锁定利率——一旦锁定，利率通常会保持 30 / 45 / 60 天。","r4stage.priced.typicalDuration":"锁定决定：自申请起 1-3 天。锁定本身的有效期可为 30-60 天。","r4stage.priced.prepare.0":"了解您的时间表——锁定期越长费用越高，因此 60 天的锁定比 30 天的更贵。","r4stage.priced.prepare.1":"决定是否要支付点数来降低利率。请使用借款人门户上的降息计算器。","r4stage.priced.prepare.2":'如果您还没准备好锁定，请向经纪人询问"float-down"（下浮）选项——支付一笔小额费用，以便在市场下跌时按更低利率重新锁定。',"r4stage.priced.gotchas.0":"锁定到期截止日期：如果您的贷款错过锁定窗口，将按当前市场重新定价——这可能更不利。","r4stage.priced.gotchas.1":"利率表每天变动（有时一天内多次变动）。您周一听到的利率到周二早上可能就不存在了。","r4stage.priced.gotchas.2":"锁定后更换贷方通常需要解除锁定并与新贷方重新锁定——通常会产生费用。","r4stage.leIssued.label":"已出具 LE","r4stage.leIssued.headline":"您的联邦贷款估算（Loan Estimate）已交付（受监管的 3 天期限）。","r4stage.leIssued.whatHappens":'联邦法律（TRID）要求贷方在收到"完整申请"后的 3 个工作日内出具贷款估算。LE 显示您的利率、月供、所有交割成本以及交割所需现金。如果您正在比价，可借此机会与其他贷方进行比较。',"r4stage.leIssued.typicalDuration":"在申请后的 3 个工作日内出具。借款人有 10 个工作日来回复 / 比价。","r4stage.leIssued.prepare.0":"仔细阅读 LE——第 1 页是贷款条款；第 2 页是交割成本明细。","r4stage.leIssued.prepare.1":"与其他贷方提供的任何 LE 进行比较。联邦要求的统一格式使它们具有可比性。","r4stage.leIssued.prepare.2":"保存好 LE——稍后您会收到一份交割披露（Closing Disclosure），它应在容差范围内与 LE 相符。","r4stage.leIssued.gotchas.0":"某些交割成本（贷方费用）属于零容差——在 LE 和 CD 之间不得增加。","r4stage.leIssued.gotchas.1":"其他成本（登记、产权）有 10% 的容差范围。","r4stage.leIssued.gotchas.2":'"第三次披露"事件（利率变动 > 0.125%、贷款方案变更）会重新启动 3 个工作日的计时。',"r4stage.ausRun.label":"AUS","r4stage.ausRun.headline":"已运行自动化核保（DU 或 LP）——这是贷方的准入关卡。","r4stage.ausRun.whatHappens":'您的档案会通过房利美（Fannie Mae）的 Desktop Underwriter（DU）或房地美（Freddie Mac）的 Loan Prospector（LP）进行处理。系统会返回一份"findings"报告：APPROVE / ELIGIBLE / REFER / REFER WITH CAUTION，以及您需要满足的条件清单。',"r4stage.ausRun.typicalDuration":"AUS 运行本身：几分钟。清除由此产生的条件：视文件可得性而定，1-3 周。","r4stage.ausRun.prepare.0":'如果您的经纪人分享了"findings"，请阅读——条件清单是通往交割的路线图。',"r4stage.ausRun.prepare.1":"大多数条件是您现在就能上传的文件（工资单、对账单、身份证件）。","r4stage.ausRun.prepare.2":"有些条件是说明性的——针对逾期付款、大额存款等的说明信（Letter of Explanation）。门户网站有一个由 Breeze 辅助的撰写工具帮助您撰写。","r4stage.ausRun.gotchas.0":'"Refer"并不意味着被拒——它意味着需要核保人进行人工审查。常见于非传统收入情形。',"r4stage.ausRun.gotchas.1":"随着您清除条件，AUS 可以重新运行——有时第二次运行会从 REFER 升级为 APPROVE。","r4stage.ausRun.gotchas.2":"如果利率 / 定价发生变化，房利美或房地美的资格可能在流程中途发生改变。您的经纪人会留意这一点。","r4stage.submitted.label":"已提交","r4stage.submitted.headline":"您的完整档案已交给贷方进行人工核保。","r4stage.submitted.whatHappens":'您的经纪人将申请、所有文件、AUS findings 以及支持性的 LOE 打包成一个"提交包"，发送至贷方的核保部门。一位真正的核保人会逐行审查。您可能会获得有条件批准（最常见）——在交割前需要清除的额外事项。',"r4stage.submitted.typicalDuration":"初步决定通常需要 3-7 个工作日。有条件批准很常见——清除这些条件还需要再 1-2 周。","r4stage.submitted.prepare.0":"保持可联系——核保人可能有需要快速回复ï¼

1ˆ24-48 小时内）的后续问题。","r4stage.submitted.prepare.1":"不要进行任何大额消费或开通新的信贷额度。核保人会在交割前重新查询信用，新的车贷可能会拉高您的 DTI。","r4stage.submitted.prepare.2":"如果可以避免，请不要更换工作或收入来源。","r4stage.submitted.gotchas.0":"核保的处理周期因贷方而异，差别很大——有的 24 小时，有的 7-10 个工作日。","r4stage.submitted.gotchas.1":"贷方有时会在交割前 10 天内重新核实就业（VOE）——如果您已经提出离职，他们会发现。","r4stage.submitted.gotchas.2":"纳税申报表上的差异（申报表收入与工资单收入不符）常在此阶段浮现。请准备好做出解释。","r4stage.cdIssued.label":"已出具 CD","r4stage.cdIssued.headline":"交割披露（Closing Disclosure）已交付——联邦要求的最终数字文件。","r4stage.cdIssued.whatHappens":"联邦法律（TRID）要求您至少在交割前 3 个工作日收到 CD。CD 是 LE 的最终版本，数字已锁定。您将其与 LE 进行比较——任何超出容差范围的项目都需要补救或重新披露。","r4stage.cdIssued.typicalDuration":"CD 至少在交割前 3 个工作日出具。大多数借款人会在交割前 5-7 天收到。","r4stage.cdIssued.prepare.0":"将 CD 与 LE 并排比较。第 2 页是交割成本明细。","r4stage.cdIssued.prepare.1":"查看第 1 页上的交割所需现金——这是您在交割当天需要电汇的确切金额。","r4stage.cdIssued.prepare.2":"在 3 天冷静期内不要对您的财务做任何更改——它们会触发重新披露并重置 3 天计时。","r4stage.cdIssued.gotchas.0":"重大变更（贷款方案、APR 上升 > 0.125%）会重新启动 3 天计时，从而推迟交割日期。","r4stage.cdIssued.gotchas.1":"小的更改（更正拼写错误、轻微费用调整）不会重新启动计时——但大的更改会。","r4stage.cdIssued.gotchas.2":"CD 上的交割所需现金是精确的。请电汇该确切的美元金额；不要四舍五入。","r4stage.signed.label":"已签署","r4stage.signed.headline":"您已签署交割文件包——本票（Note）、信托契据（Deed of Trust）、CD 确认书。","r4stage.signed.whatHappens":"交割当天。您将签署 60-100 页文件——本票（您的还款承诺）、信托契据（房屋的留置权）、CD 确认书以及各类披露文件。可以在产权公司当面办理，也可以远程办理（RON——远程在线公证）。对于购房贷款，卖方会同时签署。","r4stage.signed.typicalDuration":"签署预约：60-90 分钟。从签署到放款可能是当天，再融资则可能需要几天。","r4stage.signed.prepare.0":"携带您的政府颁发带照片身份证件。每位共同借款人都需要各自的证件。","r4stage.signed.prepare.1":"电汇您的交割所需现金（或携带本票/银行本票）——产权公司通常不接受个人支票。","r4stage.signed.prepare.2":"为预约预留 60-90 分钟。请阅读您所签署的内容——您有权这样做。","r4stage.signed.gotchas.0":"电汇欺诈：务必通过电话口头核实电汇指令，使用您独立查到的电话号码。基于电子邮件的电汇指令经常被仿冒。","r4stage.signed.gotchas.1":"对于再融资，联邦法律赋予您 3 天的撤销权——您可以在签署后的 3 个工作日内取消并撤销交易。","r4stage.signed.gotchas.2":"对于购房，即使在您签署之后，通常也要等到放款完成（下一阶段）后才能入住。","r4stage.funded.label":"已放款","r4stage.funded.headline":"贷款已放款——房屋正式归您所有 / 再融资已完成。","r4stage.funded.whatHappens":"贷方将贷款资金电汇给产权公司，由其支付给卖方（购房）或偿清原有抵押贷款（再融资）。一旦确认收到资金，产权公司便会向县政府登记新的契据和抵押贷款。您将拿到钥匙（购房），或原有贷款被结清（再融资）。","r4stage.funded.typicalDuration":"对于购房：签署后当天或次日。对于再融资：通常在签署后 3 个工作日放款（撤销权窗口期）。","r4stage.funded.prepare.0":"保存好您的交割文件包——保留电子和纸质副本。报税时（交割æ

1ˆæœ¬çš„可抵扣性）以及将来任何再融资时都会用到。","r4stage.funded.prepare.1":"安排您的第一笔房贷还款：通常在交割后 30-45 天到期。如果您设置了 ACH，大多数贷方会自动扣款；否则您会收到一本还款券册。","r4stage.funded.prepare.2":"将您的房主保险和公用事业服务更新到新房产。","r4stage.funded.gotchas.0":"交割后几天，到县登记处查看已登记的文件——确认契据在您名下，且抵押贷款已对您登记在册。","r4stage.funded.gotchas.1":'您将在年底从贷方收到一份"1098 房贷利息"表格——请保留它用于报税。',"r4stage.funded.gotchas.2":'贷款服务权转移会发生——为您放款的贷方往往并非您日后还款的对象。请留意邮件中的"告别信 / 欢迎信"。',"r4insights.payStubExpired.title":"工资单已超过30天","r4insights.payStubExpired.explanation":"您最近的工资单日期对于我们的记录而言过于久远。在交割前，贷款机构需要查看最近30天内的工资单。","r4insights.payStubExpired.nextStep":"请向我们发送您最近的工资单。","r4insights.payStubExpired.uploadLabel":"上传工资单","r4insights.overtimeDetected.title":"在您的工资单上检测到加班费","r4insights.overtimeDetected.explanation":"您的部分收入属于加班费。如果加班收入持续2年以上保持稳定，我们通常可以将其计入您的贷款资格。","r4insights.overtimeDetected.nextStep":"如果您的贷款专员要求，请准备好提供24个月的收入记录。","r4insights.commissionBonus.title":"您的工资单上有佣金或奖金收入","r4insights.commissionBonus.explanation":"可变收入（佣金/奖金）可计入您的贷款资格，但贷款机构会查看2年的平均值以确认其稳定性ã€

1‚","r4insights.commissionBonus.nextStep":"请准备好去年的W-2和最近2张工资单。","r4insights.selfEmploymentNoted.title":"已记录自雇收入","r4insights.selfEmploymentNoted.explanation":"自雇收入需要一些额外文件来核实。贷款机构需要查看您的报税表和企业记录才能将其计入。","r4insights.selfEmploymentNoted.nextStep":"请收集2年的个人和企业报税表以及营业执照。","r4insights.scheduleCNetLoss.title":"报税表显示企业亏损","r4insights.scheduleCNetLoss.explanation":"您最近的报税表报告了自雇方面的亏损。这可能会降低计入您贷款的收入金额。","r4insights.scheduleCNetLoss.nextStep":"请与您的贷款专员讨论此事——他们可以告诉您哪些年份的收入可以计入。","r4insights.scheduleCConfirmed.title":"已确认自雇收入","r4insights.scheduleCConfirmed.explanation":"您的报税表显示稳定的自雇收入。我们将把这部分与上一年取平均值，以确定您的资格金额。","r4insights.appraisalBelowContract.title":"评估价低于合同价","r4insights.appraisalBelowContract.explanation":"评估师对房屋的估值低于您同意支付的价格。您需要在交割时额外支付现金、重新协商价格，或申请对评估进行复核。","r4insights.appraisalBelowContract.nextStep":"请与您的经纪人和贷款专员沟通，决定哪种方案最合适。","r4insights.appraisalMeetsContract.title":"评估结果良好","r4insights.appraisalMeetsContract.explanation":"评估价等于或高于合同价。您的贷款可以继续办理，无需处理价值不足的文件。","r4insights.decliningMarket.title":"该社区处于疲软市场","r4insights.decliningMarket.explanation":"评估师将该社区标记为下行市场。一些贷款机构会要求稍高的首付款以抵消风险。","r4insights.decliningMarket.nextStep":"如果您的贷款条款发生变化，您的贷款专员会通知您。","r4insights.poorConditionC5.title":"房产在交割前需要维修","r4insights.poorConditionC5.explanation":"评估显示，在贷款机构放款之前，房屋需要进行重大维修。大多数贷款项目要求房屋在交割时处于适宜居住的状态。","r4insights.poorConditionC5.nextStep":"请与您的经纪人协调，确定哪些维修由卖方完成（或在降价后哪些由您处理）。","r4insights.poorConditionC6.title":"房产在交割前需要大修","r4insights.poorConditionC6.explanation":"评估显示，在贷款机构放款之前，房屋需要进行大量维修。大多数贷款项目要求房屋在交割时处于适宜居住的状态。","r4insights.poorConditionC6.nextStep":"请与您的经纪人协调，确定哪些维修由卖方完成（或在降价后哪些由您处理）。","r4insights.insuranceExpired.title":"房主保险已过期","r4insights.insuranceExpired.explanation":"存档的危险保险保单已过期。贷款机构要求在您的贷款放款当天有一份有效保单。","r4insights.insuranceExpired.nextStep":"请联系您的保险代理人，获取在交割日生效的新保单或续保凭证。","r4insights.insuranceExpired.uploadLabel":"上传新保单","r4insights.insuranceExpiresSoon.title":"房主保险即将到期","r4insights.insuranceExpiresSoon.explanation":"您当前的房主保险保单将在未来30天内到期。我们可能需要在交割前获得续保凭证。","r4insights.insuranceExpiresSoon.nextStep":"如果您还没有续保凭证，请向您的保险代理人申请。","r4insights.insuranceExpiresSoon.uploadLabel":"上传续保凭证","r4insights.titleCloud.title":"在房产产权上发现问题","r4insights.titleCloud.explanation":"该房产产权上存在留置权、判决或其他权利主张。这些必须在贷款机构放款之前予以清除。","r4insights.titleCloud.nextStep":"您的产权公司和贷款专员将着手解决此问题——您可能需要提供相关文件。","r4insights.communityProperty.title":"将需要配偶的签名","r4insights.communityProperty.explanation":"该房屋作为夫妻共同财产（community property）持有。即使您的配偶不在贷款上，他们也需要签署一些交割文件。","r4insights.communityProperty.nextStep":"请安排您的配偶在交割当天到场。","r4insights.trid3DayViolation.title":"交割日期距离Closing Disclosure过近","r4insights.trid3DayViolation.explanation":"根据法律规定，您必须在交割前至少3个工作日收到您的Closing Disclosure。当前日期不符合该要求——交割很可能会被推迟。","r4insights.trid3DayViolation.nextStep":"请做好交割日期可能延后的准备——您的贷款专员将确认新的日期。","r4insights.trid3DayMet.title":"交割时间安排正确","r4insights.trid3DayMet.explanation":"您的Closing Disclosure在交割前留有足够的提前时间发出。这是法律要求，我们进展顺利。","r4insights.cashToCloseTolerance.title":"交割时所需现金发生了重大变化","r4insights.cashToCloseTolerance.explanation":"您在交割时需要支付的金额与原始Loan Estimate之间的差额超过了允许范围。您的贷款专员将说明这一差额由贷款机构承担还是由您承担。","r4insights.cashToCloseTolerance.nextStep":"请让您的贷款专员说明哪些费用发生了变化以及变化的原因。","r4insights.borrowerReceivesFunds.title":"您将在交割时收

1到款项","r4insights.borrowerReceivesFunds.explanation":"根据数据，您在交割时实际上将收到款项而非付款。这通常发生在套现再融资（cash-out）或返点利率（rebate-rate）的情形中。","r4insights.ch7SeasoningMet.title":"过往破产距今已足够久远","r4insights.ch7SeasoningMet.explanation":"自您的破产解除以来已过去足够长的时间，因此所有主要贷款项目（常规贷款、FHA、VA）均可供您选择。","r4insights.ch7SeasoningPartial.title":"过往破产：部分贷款选项可用，常规贷款尚不可用","r4insights.ch7SeasoningPartial.explanation":"政府支持的贷款（FHA、VA）现在可供您选择。常规贷款则需要再过一段时间您才能符合资格。","r4insights.ch7SeasoningPartial.nextStep":"您的贷款专员会为您选择符合您时间安排的项目。","r4insights.ch7SeasoningNotMet.title":"过往破产：经过的时间尚不够","r4insights.ch7SeasoningNotMet.explanation":"大多数贷款项目要求在破产解除后有一段等待期。我们可能需要考虑非传统项目，或等到满足等待期为止。","r4insights.ch7SeasoningNotMet.nextStep":"您的贷款专员将向您说明哪些途径可能可行。","r4insights.irrelevantDocument.title":"该文件看起来不像贷款文件","r4insights.irrelevantDocument.explanation":"您上传的文件看起来像收据或无关文件——我们无法将其用于您的申请。","r4insights.irrelevantDocument.nextStep":"请删除此文件，并上传有效的贷款文件，例如工资单、银行对账单或报税表。","r4insights.irrelevantDocument.uploadLabel":"上传正确的文件","r4prequal.strength.reserves12":"储备金 ≥12个月 PITIA","r4prequal.strength.coBorrower":"申请中有共同借款人","r4prequal.strength.reservesMonths":"储备金 {months}个月 PITIA","r4prequal.weakness.reservesAddDollars":"至少增加 2\xd7 ${amount2x} = ${amountTotal} 的流动储备金，以通过下一个 overlay。","r4prequal.weakness.fico760":"将 FICO 提高到 760+ 以获得一级定价。","r4prequal.weakness.fico740":"将 FICO 提高到 740+ 以消除大部分 LLPA。","r4prequal.weakness.fico720":"将 FICO 提高到 720+ 以消除下一个 LLPA 等级。","r4prequal.weakness.fico700":"进行一次 rapid-rescore — 达到 700+ 可节省约 4 个点。","r4prequal.weakness.fico680":"偿还循环信贷余额；680 是下一个价格优惠点。","r4prequal.weakness.fico660":"低于 660 时，大多数常规 overlay 将生效。请考虑 FHA 途径。","r4prequal.weakness.fico640":"低于 640 — 改用 FHA/non-QM 并重置方案。","r4prequal.weakness.fico620":"低于 620 将不符合大多数常规贷款机构的资格。FHA 最低 580 / VA 600。","r4prequal.weakness.ltv70":"将 LTV 降至 ≤70 以通过下一个 LLPA。","r4prequal.weakness.ltv75":"将 LTV 降至 ≤75 以获得价格改善。","r4prequal.weakness.ltv80":"将 LTV 降至 ≤80 以消除 PMI。","r4prequal.weakness.ltv80pmi":"重组至 LTV ≤80 以消除 PMI 及 LLPA 影响。","r4prequal.weakness.ltv90":"LTV 高于 90 时 PMI 费率上升 — 请考虑增加首付。","r4prequal.weakness.ltv95":"高于 95 时大多数常规贷款机构设有上限；请改用 FHA（最高 96.5）。","r4prequal.weakness.dti36":"偿还一张信用卡以将 DTI 降至 36 以下。","r4prequal.weakness.dti43":"DTI 高于 43% 不符合 QM-safe-harbor；贷款机构要求补偿因素。","r4prequal.weakness.dti50":"DTI 高于 50% 属于 non-QM 范畴 — 请更换产品。","r4prequal.weakness.llpaHeavy":"查看「定价」选项卡 — 上述 LLPA 与 FICO/LTV/occupancy 相关联。改善其中任何一项都可挽回点数。","r4prequal.weakness.llpaStacked":"总 LLPA 足够高，另一家贷款机构可能报出更好的价格 — 在接入第 2 家贷款机构后重新运行定价。","r4prequal.weakness.tenure24":"稳定就业 ≥24 个月可消除贷款机构对补偿因素的顾虑。","r4prequal.weakness.tenure12":"贷款机构更倾向于当前工作 ≥12 个月。如属同一行业，请提供前雇主的连续性证明。","r4prequal.weakness.tenure6":"当前工作 <6 个月 — 大多数贷款机构要求补偿因素（大é¢

1å‚¨å¤‡é‡‘、低 LTV）来抵消。","r4prequal.weakness.reservesAim":"争取在流动储备金中至少保留 2 个月的 PITIA。","r4prequal.weakness.reservesNone":"大多数批发贷款机构要求自住房 ≥2 个月储备金；投资房要求 ≥6 个月。","r4prequal.weakness.bankruptcy":"确认等待期 — 自解除日起常规 4 å¹´ / FHA 2 年。调取解除令以核实。","r4prequal.weakness.foreclosure":"止赎等待期 — 常规 7 年（有特殊情况则 3 年），FHA 3 年。请用信用报告核实。","r4prequal.weakness.selfEmployed":"自雇人士需要 2 年报税表 + Schedule C 平均值。增加储备金；贷款机构对现金流更为严格。","r4prequal.weakness.jumbo":"超过合规贷款限额会触发 jumbo overlay。请确认 UWM（或具备 jumbo 能力的贷款机构）接受该 FICO + LTV 组合。","r4prequal.weakness.cashOut":"利率与期限再融资可避免 cash-out 的 LLPA 区间。","r4prequal.weakness.manufactured":"预制房产的贷款机构接受度较窄 — 请确认 UWM 接受该地基类型。","r4prequal.weakness.ausApproveIneligible":"AUS 已批准但附带使其不符合资格的条件 — 请查看 findings 以确定 overlay。","r4prequal.weakness.ausReferCaution":"AUS 转介并带有谨慎提示 — 可能需要人工核保。提交前请加强文件（收入文件、储备金）。","r4prequal.weakness.highCost":"降低 points/fees 或票面利率，使其低于 APR 阈值；查看「定价」选项卡。","r4prequal.weakness.atrIncomplete":"打开「合规」选项卡；缺失的 ATR 因素已在此逐项列出。","r4prequal.weakness.stateHighCost":"州级高成本贷款 — 提交时需要额外披露。","r4prequal.weakness.noProduct":"查看「定价」选项卡 — 可能触及了某项硬性产品上限（FICO/LTV/贷款金额）。","r4health.stage.applicationReview":"申请审核","r4health.stage.applicationStarted":"申请已开始","r4health.stage.draft":"草稿","r4health.stage.applicationSubmitted":"申请已提交","r4health.stage.submitted":"已提交","r4health.stage.processing":"处理中","r4health.stage.preUnderwriting":"核保前","r4health.stage.underwriting":"核保","r4health.stage.seniorUnderwriting":"高级核保","r4health.stage.conditionalApproval":"有条件批准","r4health.stage.approved":"已批准","r4health.stage.clearToClose":"可交割","r4health.stage.closing":"交割","r4health.stage.funded":"已放款","r4health.factor.conditionsInProgressOne":"{count} 个条件处理中","r4health.factor.conditionsInProgressMany":"{count} 个条件处理中","r4health.factor.openConditionsOne":"{count} 个未完成条件","r4health.factor.openConditionsMany":"{count} 个未完成条件","r4health.factor.noOpenConditions":"无未完成条件","r4health.factor.docsInProgressOne":"{count} 份文件处理中","r4health.factor.docsInProgressMany":"{count} 份文件处理中","r4health.factor.docsNeededOne":"仍需 {count} 份文件","r4health.factor.docsNeededMany":"仍需 {count} 份文件","r4health.factor.daysSinceUpdateOne":"距上次更新 {count} 天","r4health.factor.daysSinceUpdateMany":"距上次更新 {count} 天","r4health.factor.rateLocked":"利率已锁定为 {rate}%","r4health.factor.closingConfirmed":"交割日期已确认","r4health.action.clearConditionsOne":"清除 {count} 个未完成条件","r4health.action.clearConditionsMany":"清除 {count} 个未完成条件","r4health.action.uploadDocsOne":"上传 {count} 份待处理文件","r4health.action.uploadDocsMany":"上传 {count} 份待处理文件","r4health.action.lockRate":"准备就绪时锁定您的利率","r4health.action.pickClosingDate":"选择交割日期","r4tour.step3.plaid.title":"省去手动输入——连接你的银行","r4tour.step3.plaid.body":"我们可以通过 <strong>Plaid</strong> 自动获取你的账户类型、余额和账号后 4 位——采用银行级加密，Venmo、Robinhood、Coinbase 都在使用。你的银行登录信息<strong>直接发送给 Plaid</strong>（不是我们），我们只会收到余额和账户类型。大多数借款人在这里能省下 5 分钟以上。","r4tour.step3.plaid.ask":"通过 Plaid 连接我的银行安全吗？","r4tour.step3.plaid.action.primary":"好——连接我的银行","r4tour.step3.plaid.action.secondary":"不用了，我手动添加","r4tour.step3.addAsset.title":"添加一项资产（可选）","r4tour.step3.addAsset.body":"<strong>如果你没有要列出的账户，可以跳过</strong>（很少见——大多数借款人至少会列出主要的支票账户）。如果有，点击 <strong>

1添加资产</strong>，我会带你一步步填好一个账户。之后还可以继续添加。","r4tour.step3.addAsset.ask":"我需要列出每一个账户，还是只列用于首付的账户？","r4tour.step3.addAsset.action.primary":"添加资产","r4tour.step3.addAsset.action.secondary":"跳过——不手动添加资产","r4tour.step5.addProperty.title":"添加一处房产（可选）","r4tour.step5.addProperty.body":"<strong>如果你没有其他任何房地产，可以跳过。</strong>如果除了本次贷款要融资的房产之外，你还拥有其他房产——出租房、度假屋、已还清的房子——点击 <strong>添加房产</strong>，我会带你完成一项录入。之后还可以继续添加。","r4tour.step5.addProperty.ask":"我和兄弟姐妹共同拥有一处房产——需要列出来吗？","r4tour.step5.addProperty.action.primary":"添加房产","r4tour.step5.addProperty.action.secondary":"跳过——没有其他房产","r4tour.step1.0.title":"你的法定名字","r4tour.step1.0.body":"请使用<strong>与你的政府颁发证件上完全一致</strong>的名字。哪怕是一个拼写错误，也可能在过户时拖延贷款。","r4tour.step1.0.ask":"为什么办房贷时我的法定姓名必须与证件一致？","r4tour.step1.1.title":"中间名","r4tour.step1.1.body":"<strong>如果你没有中间名（或证件上没有），可以跳过。</strong>如果证件上确实有，请填上——否则产权公司之后会要求补充，可能拖延过户。","r4tour.step1.1.ask":"我办房贷时一定要填中间名吗？","r4tour.step1.2.title":"姓氏","r4tour.step1.2.body":"规则相同：必须与您的政府身份证件一致。连字符、后缀、重音符号——都保留原样。","r4tour.step1.2.ask":"我身份证件上的姓氏和我平时用的不一样——我该怎么办？","r4tour.step1.3.title":"后缀","r4tour.step1.3.body":"<strong>如果您的身份证件上没有，请跳过。</strong>如果有，请填写——Jr、Sr、II、III 等。产权公司之后会发现不一致的地方，所以现在填好更省事。","r4tour.step1.3.ask":'如果我爸爸和我同名，我需要加上 "Jr" 吗？',"r4tour.step1.4.title":"您曾用过的其他名字","r4tour.step1.4.body":"<strong>如果您一直使用同一个名字，请跳过。</strong>如果您有婚前姓、以前的法定姓名，或长期使用并出现在金融账户上的昵称，请在此列出——征信机构可能有这些名字下的记录。","r4tour.step1.4.ask":"我结婚后改了名字——替代名字该填什么？","r4tour.step1.5.title":"电子邮箱地址","r4tour.step1.5.body":"我们会在此发送您的贷款状态更新，以及电子签署披露文件的链接。请使用您经常查看的邮箱。","r4tour.step1.5.ask":"我会多久收到一次关于我贷款的邮件？","r4tour.step1.6.title":"手机","r4tour.step1.6.body":"您的经纪人会通过这个号码给您打电话或发短信。如果您从新设备登录，也会用于发送 OTP 登录验证码。","r4tour.step1.6.ask":"如果我给你们我的电话号码，会收到垃圾骚扰电话吗？","r4tour.step1.7.title":"家庭电话","r4tour.step1.7.body":"<strong>如果您没有座机，请跳过。</strong>大多数借款人没有，可以留空。如果有，在档案中留一个备用号码会有帮助——以防在交割通话时联系不上您的手机。","r4tour.step1.7.ask":"如果手机是我的主要号码，家庭电话还重要吗？","r4tour.step1.8.title":"工作电话","r4tour.step1.8.body":"<strong>如果您不希望在工作单位被联系，请跳过。</strong>如果您填写了，贷款方的核实人员可能会打电话确认您的就业情况——他们找的是人力资源/薪资部门，而不是您本人。","r4tour.step1.8.ask":"你们会告诉我的工作单位我正在申请房贷吗？","r4tour.step1.9.title":"出生日期","r4tour.step1.9.body":"信用查询和联邦合规要求填写。格式：MM/DD/YYYY。必须年满 18 岁。","r4tour.step1.9.ask":"为什么需要我的出生日期？","r4tour.step1.10.title":"社会安全号码（SSN）","r4tour.step1.10.body":"信用查询<strong>必填</strong>。以哈希形式存储；绝不会再显示给你。","r4tour.step1.10.ask":"在这个表单里填写我的 SSN 安全吗？","r4tour.step1.11.title":"婚姻状况","r4tour.step1.11.body":"选择一项。如果你在共同财产州（CA、AZ、ID、LA、NV、NM、TX、WA、WI）已婚，即使配偶不在贷款上，我们也可能需要其有限的信息。","r4tour.step1.11.ask":"我的婚姻状况为什么会影响办理房贷？","r4tour.step1.12.title":"公民身份","r4tour.step1.12.body":"美国

1公民可选择的贷款最为广泛。永久居民和非永久居民同样符合条件——只需额外提供文件（绿卡或工作签证）。","r4tour.step1.12.ask":"我不是公民也能办房贷吗？","r4tour.step1.13.title":"街道地址和单元号","r4tour.step1.13.body":"你目前的住所——<strong>街道地址</strong>，如有则填<strong>单元 / 公寓号</strong>。贷款机构需要连续 2 年的居住历史；如果你在此居住不足 2 年，我们还会询问你之前的地址。单元号为可选项。","r4tour.step1.13.ask":"为什么我的房贷需要 2 年的地址历史？","r4tour.step1.14.title":"城市","r4tour.step1.14.body":"你目前住所所在的城市。","r4tour.step1.14.ask":"城市需要和我的驾照一致吗？","r4tour.step1.15.title":"州","r4tour.step1.15.body":"两位字母的州代码（如 CA、NY）。与各州特定的合规规则有关。","r4tour.step1.15.ask":"州为什么会影响我的房贷？","r4tour.step1.16.title":"邮政编码","r4tour.step1.16.body":"您当前住所的邮政编码。如果您将来在此购房，将用于获取房产税和洪水区信息。","r4tour.step1.16.ask":"邮政编码会如何影响我的贷款？","r4tour.step1.17.title":"住房状况","r4tour.step1.17.body":"自有 / 租住 / 免费居住。如果您租房，我们会询问您的月租金（用于计算债务收入比）。","r4tour.step1.17.ask":"我当前的住房状况会影响抵押贷款的批准吗？","r4tour.step1.18.title":"在此地址居住时长","r4tour.step1.18.body":"在此地址居住的年数和月数。如果总计不足 2 年，向导接下来会添加一张以前地址的卡片。","r4tour.step1.18.ask":"如果我在过去 2 年内搬过几次家怎么办？","r4tour.step2.0.title":"您当前的雇主","r4tour.step2.0.body":'请使用工资单或 W-2 上的<strong>法定名称</strong>，而非品牌名。如果您的工资单写的是 "Acme Holdings LLC"，但大家都叫它 Acme，请填写法定名称——薪资核实将以此进行比对。如果还没有任何条目，请点击下方的<strong>添加雇佣信息</strong>开始。',"r4tour.step2.0.ask":"如果我雇主的法定名称和我平常告诉别人的名称不同怎么办？","r4tour.step2.1.title":"雇主电话","r4tour.step2.1.body":"人力资源或薪资部门的主要电话即可。贷款方或核实人员可能会致电确认就业情况——他们不会索要个人信息。","r4tour.step2.1.ask":"他们会因为这笔抵押贷款而致电我的雇主吗？","r4tour.step2.2.title":"雇主街道和城市","r4tour.step2.2.body":"您雇主的街道和城市（工资单上的公司或总部地址）。如果您远程办公，请使用雇主总部地址，而非您的住所。","r4tour.step2.2.ask":"如果我远程办公怎么办——要把我的住址当作雇主地址吗？","r4tour.step2.3.title":"雇主所在州和邮政编码","r4tour.step2.3.body":"雇主地址所在的州和邮政编码。贷款方将用它进行就业核实（VOE）——他们会致电此地点的人力资源／薪资电话。","r4tour.step2.3.ask":"贷款方为什么需要我雇主的地址？","r4tour.step2.4.title":"自雇人士？现在就告诉我们","r4tour.step2.4.body":"自雇借款人需要不同的文件：<strong>2 年的个人纳税申报表</strong>、如果你拥有 25% 以上的股份还需要企业纳税申报表，以及一份<strong>年初至今的损益表（YTD）</strong>。在这里选择“是”可以在稍后解锁正确的文件清单。","r4tour.step2.4.ask":"我是 1099 合同工——就房贷而言，我算自雇人士吗？","r4tour.step2.5.title":"你在这家公司持有股份吗？","r4tour.step2.5.body":"<strong>如果你不持有公司任何股份，请跳过。</strong>如果持有则请填写——这很重要，因为<strong>持股 25% 以上</strong>意味着无论你以何种方式领薪，贷款机构都会把你视为自雇人士（并且需要企业纳税申报表）。持股低于 25% 时，在核保中你仍属于雇员。","r4tour.step2.5.ask":"我持有雇主公司 10% 的股份——就房贷而言我算自雇人士吗？","r4tour.step2.6.title":"你的职位名称","r4tour.step2.6.body":"使用你的录用信或名片上的职位名称。如果你升职了，请使用当前职位——核实人员看到的是当前的薪资记录，而不是历史记录。","r4tour.step2.6.ask":"我在工作中的职位和我对外说的不一样——我该用哪个？","r4tour.step2.7.title":"你在这里工作了多久","r4tour.step2.7.body":"在<em>这家</em>雇主处的总时间，以年和月计。频繁换工作并不会取消资格，但贷款机构更希望看到<strong>在同一份工作上做满 2 年</strong>，或从事同一类型的工作。","r4tour.step2.7.ask":"我刚换了工作——这会影响我的通过几率吗？","r4tour.step2.8.title":"入职日期","r4tour.step2.8.body":"你在<em>这家</em>雇主处开始工作的时间。用于精确计算你的总工龄（贷款机构更倾向于明确的日期，而不是四舍五入的年/月）。","r4tour.step2.8.ask":"我不记得确切的入职日期——我该填什么？","r4tour.step2.9.title":"离职日期","r4tour.step2.9.body":"<strong>如果是你目前的工作，请留空。</strong>如果这是以前的雇主，请填写你离职的日期。贷款机构用它来确认你 2 年的工作经历中没有就业空档。","r4tour.step2.9.ask":"离职日期是指我工作的最后一天，还是我的福利结束的日期？","r4tour.step2.10.title":"从事此类工作的年数","r4tour.step2.10.body":"你整个职业生涯的总时间——不只是在这家雇主处的时间。在同一行业内频繁换工作的人仍然符合条件，因为<strong>同一类型工作的连续性是算数的</strong>

1。例如：6 年内担任过 3 个不同的软件工程师职位 = 从事此类工作 6 年。","r4tour.step2.10.ask":"我转行了——我以前的工作年数还算数吗？","r4tour.step2.11.title":"你受雇于家人吗？","r4tour.step2.11.body":"如果父母、兄弟姐妹或配偶拥有该企业，请勾选此项。贷款机构会要求<strong>额外的文件</strong>（W-2 + 雇主签署的信函），因为家庭雇佣关系可能被伪造。","r4tour.step2.11.ask":"我父母拥有我工作的公司——这会有什么影响吗？","r4tour.step2.12.title":"受雇于交易相关方？","r4tour.step2.12.body":"<strong>除非你的雇主就是本次交易中的卖方、建筑商或房地产经纪人，否则请跳过。</strong>这会引发更严格的审查（可能存在利益冲突，通常需要第二次评估）。大多数借款人选择否。","r4tour.step2.12.ask":"什么是“交易相关方”？如果我的雇主是其中一方，我会知道吗？","r4tour.step2.13.title":"你的每月基本工资","r4tour.step2.13.body":"月度税前（毛）工资。如果你按小时领薪，用时薪 \xd7 每周工时 \xd7 4.33。两周一次的薪水 \xd7 2.167。","r4tour.step2.13.ask":"如何把我的时薪换算成抵押贷款用的月收入？","r4tour.step2.14.title":"浮动收入","r4tour.step2.14.body":"加班费、奖金和佣金。<strong>如果你只领固定工资，请跳过。</strong>如果你确实有浮动收入，列出它可以<strong>大幅提升你的借款能力</strong>——一旦你有2年的记录，贷款机构就会计入。请填写过去24个月的月平均值。","r4tour.step2.14.ask":"我的奖金每年差别很大——贷款机构会算进去吗？","r4tour.step2.15.title":"军人薪资","r4tour.step2.15.body":"<strong>如果你不是现役或预备役军人，请跳过。</strong>如果你是，填写每月基本工资 + BAH（基本住房补贴）+ BAS（伙食补贴）+ 任何特殊津贴。VA 贷款申请人在此处填写。","r4tour.step2.15.ask":"BAH 在抵押贷款资格审核中算作应税收入吗？","r4tour.step2.16.title":"其他收入","r4tour.step2.16.body":"<strong>如果你没有其他基于就业的收入，请跳过。</strong>这里填写的例子：在 W-2 上申报的小费、固定的班次津贴、待命津贴。（不包括赡养费、子女抚养费或租金收入——那些有各自的版块。）","r4tour.step2.16.ask":"我应该把不在工资单上的小费填在哪里？","r4tour.step2.17.title":"现在添加以前的工作，凑满2年","r4tour.step2.17.body":"贷款机构需要<strong>连续2年的工作经历</strong>。如果你在这份工作不到2年，点击<strong>添加工作经历</strong>，依次填写之前的工作，直到凑满24个月。中断期需要书面说明。","r4tour.step2.17.ask":"我两份工作之间有4个月的空档——我该怎么解释？","r4tour.step3.0.title":"账户类型","r4tour.step3.0.body":"选择最接近的选项：日常使用选<strong>支票账户（Checking）</strong>，单独存现金选<strong>储蓄账户（Savings）</strong>，401(k)/IRA 选<strong>退休账户（Retirement）</strong>，股票选<strong>证券账户（Brokerage）</strong>。如果找不到您的类型，请选「其他」。如果还没有任何行，请点击<strong>添加资产</strong>开始。","r4tour.step3.0.ask":"我的钱在 Roth IRA 里，我该选哪种账户类型？","r4tour.step3.1.title":"哪家银行或券商","r4tour.step3.1.body":'使用对账单上显示的法定名称（例如 <em>"Chase Bank, N.A."</em>、<em>"Fidelity Brokerage Services LLC"</em>）。贷款机构会用它来核对您稍后上传的文件。',"r4tour.step3.1.ask":"银行名称必须和我的对账单完全一致吗？","r4tour.step3.2.title":"账号（仅后 4 位）","r4tour.step3.2.body":"<strong>只需后 4 位数字。</strong>我们不会在申请中保存完整账号。贷款机构稍后会通过您上传的对账单确认完整账号。","r4tour.step3.2.ask":"为什么你们只要我账号的后 4 位？","r4tour.step3.3.title":"里面有多少钱","r4tour.step3.3.body":"使用当前余额（证券/退休账户则使用市值）。四舍五入到最接近的美元。贷款机构会用您<strong>最近的 2 份对账单</strong>

1来核实。","r4tour.step3.3.ask":"我的账户余额会变动——我该填哪个数字？","r4tour.step3.4.title":"添加每一个存有钱的账户","r4tour.step3.4.body":"贷款机构会用<strong>2 个月的银行对账单</strong>核实您的资产。请包括支票、储蓄、退休（401k/IRA）、证券，甚至加密货币账户。漏报某个账户不算违法，但如果没有列出，您就不能用其中的资金来支付过户费用。","r4tour.step3.4.ask":"我需要申报那些不用于首付的账户吗？","r4tour.step3.5.title":"关于赠与款和补助","r4tour.step3.5.body":"<strong>赠与款（gift）</strong>是指有人为这笔贷款给你、且无需偿还的钱。必须提供：捐赠人签署的<strong>赠与信</strong>+显示资金转移的凭证链（电汇确认、存款收据）。没有赠与信，贷款机构就不会把它算入过户费用。","r4tour.step3.5.ask":"我父母要给我 $20K 用作首付——我需要哪些文件？","r4tour.step3.6.title":"告诉我们您的赠与款","r4tour.step3.6.body":"选择类型（现金最常见）、来源（亲属、雇主、机构、其他）和金额。每笔赠与款各占一行。","r4tour.step3.6.ask":"我的雇主可以给我赠与款作首付吗？","r4tour.step3.7.title":"添加赠予或补助金（可选）","r4tour.step3.7.body":"<strong>如果没有人为这笔贷款赠予你钱款，请跳过。</strong> 如果有亲属、雇主或补助机构帮助你支付过户费用或首付款，请点击<strong>添加赠予/补助金</strong>。每位赠予人都需要单独一行 + 各自的赠予信。","r4tour.step3.7.ask":"我父母分别赠予我钱款——我应该列一笔赠予还是两笔？","r4tour.step3.7.action.primary":"添加赠予","r4tour.step3.7.action.secondary":"跳过 — 无赠予","r4tour.step4.0.title":"添加债务（可选）","r4tour.step4.0.body":"<strong>如果你没有信用卡、车贷或学生贷款，请跳过。</strong> 大多数借款人至少有一项——每笔月度债务都会计入你的<strong>债务收入比 (DTI)</strong>，这是审核的第一道关卡。点击添加负债，我会带你完成一项录入。","r4tour.step4.0.ask":"我从不使用信用卡——还需要列出来吗？","r4tour.step4.0.action.primary":"添加债务","r4tour.step4.0.action.secondary":"跳过 — 无债务","r4tour.step4.1.title":"债务类型","r4tour.step4.1.body":"<strong>循环</strong> = 信用卡（余额每月变化）。<strong>分期</strong> = 有截止日期的固定月供（车贷、学生贷款）。<strong>租赁</strong> = 汽车或设备租赁。如果信用查询已填好此项，通常无需更改。","r4tour.step4.1.ask":"我的车贷来自信用合作社——那是分期还是循环？","r4tour.step4.2.title":"你欠谁的钱","r4tour.step4.2.body":'债权人名称应与对账单上显示的一致（例如 <em>"Chase Card Services"</em>、<em>"Toyota Financial Services"</em>）。信用查询会为有记录的信贷债务填入此项。',"r4tour.step4.2.ask":"信用查询显示的债权人名称有误——我可以更正吗？","r4tour.step4.3.title":"账号","r4tour.step4.3.body":"<strong>如果信用查询已填好此项，请跳过。</strong> 否则：填最后 4 位即可。无需在意格式——贷款方会与征信局记录进行匹配。当你拥有同一发卡机构的多张卡时，这有助于贷款方区分它们。","r4tour.step4.3.ask":"我信用报告上的账号被遮蔽了——这有问题吗？","r4tour.step4.4.title":"你还欠多少","r4tour.step4.4.body":"当前余额（贷款方会与征信局数据重新核实）。对于信用卡，这是对账单余额——即使你每月全额还清，最近一期的对账单余额仍然计入。","r4tour.step4.4.ask":"我每月都把信用卡余额还清——余额还会计入吗？","r4tour.step4.5.title":"您的每月还款额","r4tour.step4.5.body":"每月最低应还款额（不是您平时支付的金额）。这会直接计入您的<strong>债务收入比 (DTI)</strong>——贷款方将所有最低还款额 + 新房贷相加，再除以税前月收入。","r4tour.step4.5.ask":"我总是还得比最低还款额多——贷款方用最低还款额还是我的实际还款额？","r4tour.step4.6.title":"剩余月数（可选）","r4tour.step4.6.body":"<strong>循环债务请跳过（信用卡永远没有结束日）。</strong>对于分期贷款，填写剩余还款次数可让贷款方将<strong>剩余还款不足 10 个月的债务从 DTI 中排除</strong>。如果您的车贷快还完了，值得填写。","r4tour.step4.6.ask":"如果我的车贷只剩 6 期还款，它还会计入吗？","r4tour.step4.7.title":"在交割前还清这笔债务吗？","r4tour.step4.7.body":"勾选此项可<strong>将该债务从 DTI 中排除</strong>。贷款方会要求在交割前提供还清证明（已兑付支票、零余额对账单）。如果您的 DTI 很紧张，这是个好策略——还清一张每月 $300 的信用卡可为您节省 $90K 的借款能力。","r4tour.step4.7.ask":"在交割前还清这张信用卡能帮我获批更大额度的贷款吗？","r4tour.step4.8.title":"重新次级化（可选）","r4tour.step4.8.body":"<strong>请跳过——这种情况很少见，如果适用贷款方会告知您。</strong>重新次级化是指您现有的第二顺位留置权（HELOC、搭便车第二抵押）被重新置于新的第一抵押之后的第二顺位。贷款方会将重新次级化的债务从 DTI 中排除。","r4tour.step4.8.ask":"“重新次级化”是什么意思，如果适用于我，我会知道吗？","r4tour.step4.9.title":"信用局遗漏的内容","r4tour.step4.9.body":"信用局能看到大多数信贷账户，但会遗漏：<strong>家庭借款、IRS 分期付款计划、子女抚养费、配偶赡养费、尚未上报的私立学生贷款</strong>。请为每一项点击<strong>

1添加负债</strong>——即使它们在信用报告上看不到，也都会计入 DTI。","r4tour.step4.9.ask":"我欠我兄弟 $10K——办房贷申请时我必须申报吗？","r4tour.step5.0.title":"该房产的位置","r4tour.step5.0.body":"完整的房产地址——街道、城市、州、邮编。这<strong>不是</strong>您本次贷款所要融资的房产——那处房产在下一步填写。请列出您拥有的所有其他房产。","r4tour.step5.0.ask":"我需要列出与他人共同拥有的房产吗？","r4tour.step5.1.title":"它今天的价值","r4tour.step5.1.body":"您对当前市场价值的最佳估计（不是您当初支付的价格）。可参考 Zillow/Redfin 的 Zestimate 或近期可比销售价作为起点——如有需要，贷款方会通过评估来确认。","r4tour.step5.1.ask":"我该如何估算我出租房产的价值？","r4tour.step5.2.title":"保留、出售，还是待处理？","r4tour.step5.2.body":"<strong>保留 (Retained)</strong> = 继续持有。<strong>待处理 (Pending)</strong> = 已进入第三方托管 (escrow) 但尚未成交。<strong>已售 (Sold)</strong> = 已经成交。计算方式因状态而异——出售会把房贷从你的 DTI 中移除，保留则会加上去。","r4tour.step5.2.ask":"我的旧公寓已挂牌但还没签合同——这算保留还是待处理？","r4tour.step5.3.title":"用途","r4tour.step5.3.body":"<strong>主要住宅 (Primary)</strong> = 你全年居住的地方。<strong>第二套住房 (Second Home)</strong> = 你偶尔前往的度假屋。<strong>投资房 (Investment)</strong> = 出租中或待出租空置。税务和保险规则各不相同；贷款机构会与你的报税记录进行核对。","r4tour.step5.3.ask":"我在旧房子里住了很多年，现在出租了——我该选哪种居住类型？","r4tour.step5.4.title":"持有成本","r4tour.step5.4.body":"每月的房产税 + 房主保险 + HOA 物业费的总和。如果你保留该房产，这些都会计入你的 DTI 中不利于你。即使是已还清的房产也有这些费用。","r4tour.step5.4.ask":"我的房产税账单是按年计的——我该怎么算出每月的数字？","r4tour.step5.5.title":"租金收入（如有）","r4tour.step5.5.body":"<strong>如果你自住或房产空置，请跳过。</strong> 如果你将其出租，此处的每月总租金可以<strong>帮助你符合资格</strong>——贷款机构将<strong>总租金的 75%</strong>计为收入（扣除的 25% 用于覆盖空置 + 维护）。需要一份已签署的租约或 2 年的 Schedule E。","r4tour.step5.5.ask":"我在 Airbnb 上出租我的地下室——那算租金收入吗？","r4tour.step5.6.title":"为此房产添加抵押贷款（可选）","r4tour.step5.6.body":"<strong>如果该房产已还清，请跳过。</strong> 否则点击<strong>添加抵押贷款</strong>来记录以本房产作担保的贷款（不是你正在申请的新贷款）。这对 DTI 至关重要——贷款机构会把这笔还款计入你的负债。","r4tour.step5.6.ask":"我在这套房产上有一笔 HELOC——那是单独的一项吗？","r4tour.step5.6.action.primary":"添加抵押贷款","r4tour.step5.6.action.secondary":"跳过——已还清","r4tour.step5.7.title":"添加另一处房产（可选）","r4tour.step5.7.body":"<strong>如果你没有其他房产，请跳过。</strong> 如果你拥有不止一处，请为每一处点击<strong>添加另一处房产</strong>。即使是已还清的房产也很重要——贷款机构会在产权记录中看到它们，并希望你对任何遗漏的部分作出解释。","r4tour.step5.7.ask":"我从祖父母那里继承了一处房产——我必须把它列出来吗？","r4tour.step5.7.action.primary":"添加另一处房产","r4tour.step5.7.action.secondary":"跳过 — 没有更多房产","r4tour.step6.0.title":"你想借多少钱","r4tour.step6.0.body":"贷款金额（不是购买价格）。对于一套 $500K 的房子并支付 20% 首付，你应输入 <strong>$400,000</strong>。大多数县的合规贷款上限为 $766,550（2024 年）——超过这个金额就进入巨额贷款（jumbo）范围，要求更严格。","r4tour.step6.0.ask":"贷款金额和购买价格有什么区别？","r4tour.step6.1.title":"你认为这套房子值多少","r4tour.step6.1.body":"对于购房，这是你的<strong>报价</strong>。对于再融资，这是你对当前市场价值的最佳估计。贷款方会委托评估来确认——如果评估结果偏低，你可能需要在过户时拿出更多现金。","r4tour.step6.1.ask":"如果评估结果低于我的报价会怎样？","r4tour.step6.2.title":"购房还是再融资？","r4tour.step6.2.body":"如果你在购买新房，请选择<strong>购房</strong>。如果你已经拥有这套房产并想替换现有的房贷，请选择<strong>再融资</strong>——再融资有几种类型（rate-and-term 降低你的月供，cash-out 让你提取房屋净值）。","r4tour.step6.2.ask":"什么是 cash-out 再融资，什么时候适合做？","r4tour.step6.3.title":"房产类型","r4tour.step6.3.body":"<strong>独栋住宅</strong>＝独立房屋。<strong>公寓（Condo）</strong>＝楼内的单元（贷款方会审查公寓项目）。<strong>联排别墅</strong>＝相连但你拥有土地。<strong>多户型</strong>＝2–4 个单元。<strong>其他</strong>＝任何不寻常的类型（罕见）。","r4tour.step6.3.ask":"我要买一套联排双拼（duplex）并住在其中一个单元——这属于什么房产类型？","r4tour.step6.4.title":"你将如何使用它","r4tour.step6.4.body":"<strong>主要住所</strong>——最优利率、最低首付（FHA 3.5%，常规贷款 5%）。没有任何选项被预先选中。如果是度假房产，请改为第二住所（最低约 10% 首付）；如果你打算出租，请改为投资房产（<strong>25% 首付 + 利率约高 0.75%</strong>）。贷款方会在过户后通过居住核查进行验证。","r4tour.step6.4.ask":"如果我打算明年把它出租，还能申请主要住所贷款吗？","r4tour.step6.5.title":"房产的街道和城市","r4tour.step6.5.body":"你正在融资的房屋的街道地址和城市。对于尚无确定地址的新建房屋，请使用你购房合同中的地块描述。","r4tour.step6.5.ask":"我要买的新建房屋还没有门牌号——我该输入什么？","r4tour.step6.6.title":"州和邮政编码","r4tour.step6.6.body":"目标房产的州和 ZIP 邮编。请填写 5 位 ZIP 邮编——Unified Loan System 会自动确定所属县和普查区，用于 HMDA 和洪水区查询。","r4tour.step6.6.ask":"我的 ZIP 邮编为什么会影响贷款？","r4tour.step6.7.title":"房产洞察——估算价值","r4tour.step6.7.body":"输入地址后，Unified Loan System 会调取该房产的<strong>公开记录</strong>——包括<strong>估算价值</strong>（类似 Zestimate）以及地块面积、建造年份、卧室/卫浴数量和最近一次成交。我们会将其与你的<strong>贷款金额 + 购买价格</strong>进行交叉核对，让后续的利率锁定保持在合理的 LTV 水平。","r4tour.step6.7.ask":"这些房产数据来自哪里，准确度如何？","r4tour.step6.8.t

1itle":"年度房产税 + HOA","r4tour.step6.8.body":"有两项费用会计入你的 DTI：<strong>年度房产税</strong>（来自县政府）和 <strong>HOA 费用</strong>（根据你 ZIP 区域内的可比房产估算）。贷款机构会把两者都算进你的月供。如果你的实际 HOA 高于估算值，你的 DTI 就会更紧，所以一定要<strong>在交割时确认 HOA</strong>。","r4tour.step6.8.ask":"房产税 + HOA 如何影响我用于资格审核的 DTI？","r4tour.step6.9.title":"附近近期成交","r4tour.step6.9.body":"这些是你地址周边约 0.5 英里内的<strong>真实近期成交</strong>——尽可能匹配相同卧室/卫浴/面积档次。贷款机构正是用这样的可比房产来<strong>回测评估价</strong>。如果你的购买价格远高于本地可比房产，预计评估会受到质疑。","r4tour.step6.9.ask":"这些可比房产来自哪里？如果我的评估价不匹配怎么办？","r4tour.step6.10.title":"里面有经营场所吗？","r4tour.step6.10.body":"<strong>如果你的房产纯属住宅用途，请跳过。</strong>仅当部分房产被划为商业用地时才勾选（例如楼下是店面、楼上是公寓）。在家办公的居家办公室不算。混合用途贷款需要<strong>特殊项目</strong>和更严格的核保。","r4tour.step6.10.ask":"我在家办公——这会让它变成混合用途吗？","r4tour.step6.11.title":"是预制房／活动房吗？","r4tour.step6.11.body":"<strong>如果你买的是传统现场建造的房屋，请跳过。</strong>仅对工厂建造的预制房／活动房勾选（模块化房屋不算——它们虽也是工厂建造，但建在永久地基上，被视为传统房屋）。预制房需要<strong>特定的贷款项目</strong>（FHA Title I/II、Freddie ChoiceHome）。","r4tour.step6.11.ask":"我怎么分辨一套房屋是预制房还是模块化房屋？","r4tour.step6.12.title":"首次购房者？","r4tour.step6.12.body":"<strong>如果你在过去 3 年内拥有过自住主房，请跳过。</strong>如果没有就勾选——首次购房者身份的认定很宽松（距离上一套自住主房只需满 3 年），可解锁常规贷款的<strong>首付援助项目 + 减免的 PMI</strong>。值得把握。","r4tour.step6.12.ask":"我 10 年前买过一套房——我还算首次购房者吗？","r4tour.step6.13.title":"同一房产上还有其他贷款吗？","r4tour.step6.13.body":"<strong>大多数借款人会把这一项填为 $0。</strong> 只有当您要办理<strong>搭载式第二抵押贷款（piggyback）</strong>（用第二笔贷款来避免首笔贷款的 PMI），或您正在再融资的房产上已有 HELOC 时，才填写金额。","r4tour.step6.13.ask":"什么是 piggyback 贷款，我为什么需要它？","r4tour.step6.14.title":"该房产的预期租金","r4tour.step6.14.body":"<strong>如果占用类型不是投资性房产，请跳过。</strong> 如果是，这一项很重要：贷款机构会将<strong>估算总租金的 75%</strong>计为抵销收入（扣除的 25% 用于覆盖空置和维护），这可能决定您能否获批。","r4tour.step6.14.ask":"租金收入如何帮助我在投资性房产上获得贷款资格？","r4tour.step6.15.title":"每月 HOA 费用","r4tour.step6.15.body":"<strong>如果房产没有 HOA，请跳过。</strong> 如果有，每月费用会加到您的住房付款中（PITI + HOA）并影响 DTI。可在房产挂牌信息或卖方披露中找到金额；如果不确定，请留空，经纪人会确认。","r4tour.step6.15.ask":"我的公寓除了常规 HOA 费用外还有特别评估费——我该填什么？","r4tour.step7.0.title":"您会住在这里吗？","r4tour.step7.0.body":"选择「是」= 主要住所贷款（利率最优、首付最低）。选择「否」= 投资房或第二住所（利率更高、首付更多）。贷款机构会在交割后通过居住情况核查进行验证；在此撒谎属于<strong>占用欺诈</strong>。","r4tour.step7.0.ask":"我打算最终搬进去，但先出租一年——我该怎么回答？","r4tour.step7.1.title":"您和卖方有私人关系吗？","r4tour.step7.1.body":"如果卖方是家庭成员、生意伙伴或与您关系密切，这就构成<strong>非独立交易（non-arm’s-length）</strong>。贷款机构需要对评估进行额外审查，如果卖方给您折扣，则需要一封「股权赠予（gift of equity）」信函。","r4tour.step7.1.ask":"我要折价购买我父母的房子——这会影响贷款吗？","r4tour.step7.2.title":"您是否借了未向我们透露的钱？","r4tour.step7.2.body":"这能查出来自å

1®¶äººçš„<strong>未披露首付贷款</strong>、卖方信贷、「朋友借款」等。产权方和贷款机构会在交割前重新核实资金来源。本该填「是」却填了「否」，可能在交割后导致贷款被撤销。","r4tour.step7.2.ask":"我父母可以借我首付而不披露吗？","r4tour.step7.3.title":"您是否还在申请另一笔抵押贷款？","r4tour.step7.3.body":"如果在本笔贷款交割前，您在其他地方申请第二笔抵押贷款，请选「是」。贷款机构会把这些还款叠加计入您的 <strong>DTI</strong>，即使另一笔贷款尚未放款。隐瞒会在交割前的信用复查中暴露。","r4tour.step7.3.ask":"我已获得两家贷款机构的预批——两个都要披露吗？","r4tour.step7.4.title":"在交割前会开通新的信贷吗？","r4tour.step7.4.body":"贷方会在<strong>交割前几天重新拉取你的信用记录</strong>。在这期间办新信用卡、分期买沙发或申请车贷都可能拉低你的信用分，并重新触发核保审查。最简单的办法：在申请到交割之间不要开通任何新信贷。","r4tour.step7.4.ask":"我现在就需要一辆新车——应该等到交割之后吗？","r4tour.step7.5.title":"这处房产上有任何优先留置权吗？","r4tour.step7.5.body":"优先留置权 = 在产权上排在你新抵押贷款前面的债权（税务留置权、施工留置权、HOA 评估费、PACE 贷款）。必须在交割前清除。大多数借款人选择“否”。","r4tour.step7.5.ask":"什么是 PACE 贷款？我怎么知道这处房产有没有？","r4tour.step7.6.title":"你是别人贷款的共同签署人吗？","r4tour.step7.6.body":"如果你为孩子的学生贷款或兄弟姐妹的车贷做了共同签署，即使你不还款也要承担责任。除非你能证明主借款人已按时还款 12 个月，否则它在 DTI 中算作<strong>或有负债</strong>。","r4tour.step7.6.ask":"我为女儿的学生贷款做了共同签署——这会影响我的抵押贷款吗？","r4tour.step7.7.title":"你有任何未了结的判决吗？","r4tour.step7.7.body":"判决 = 法院命令你支付某项费用（小额索赔、离婚和解余款等）。未付清的判决通常必须在交割前付清。民事法庭记录是公开的；贷方会查到。","r4tour.step7.7.ask":"我有一笔多年前的小额索赔判决——必须把它付清吗？","r4tour.step7.8.title":"你有任何拖欠的联邦债务吗？","r4tour.step7.8.body":"对大多数贷款项目来说是<strong>自动拒绝触发条件</strong>。违约的联邦学生贷款、没有付款计划的 IRS 欠税、拖欠的子女抚养费、违约的联邦小企业贷款。先制定一个有据可查的付款计划。","r4tour.step7.8.ask":"我的学生贷款采用按收入还款计划——我算拖欠吗？","r4tour.step7.9.title":"你是否卷入任何可能需要赔钱的诉讼？","r4tour.step7.9.body":"你作为被告的进行中的民事诉讼，且你可能要承担经济责任。不包æ

1‹¬ç¦»å©šï¼Œé™¤éžæœ‰å°šæœªè§£å†³ã€å­˜åœ¨äº‰è®®çš„金钱问题。你起诉别人（作为原告）不算。","r4tour.step7.9.ask":"我正在办离婚——在这张表格上算诉讼吗？","r4tour.step7.10.title":"你在过去 7 年内有房产因止赎而被收回吗？","r4tour.step7.10.body":"包括代物清偿（deed-in-lieu）、短售（short sale）和传统止赎。大多数贷款项目要求自该事件起满 <strong>7 å¹´</strong>（若有书面记录的减轻情节，如医疗困境，则可缩短）。","r4tour.step7.10.ask":"我 5 年前做过一次短售——我还能申请到抵押贷款吗？","r4tour.step7.11.title":"你在过去 7 年内申请过破产吗？","r4tour.step7.11.body":"包括第 7、11、12、13 章破产。<strong>如果选是，我们会询问是哪一章。</strong>等待期各不相同：第 7 ç«  = 4 年（FHA：2 年）。第 13 ç«  = 从解除之日起 2 年，或完成 1 年还款 + 法院批准。","r4tour.step7.11.ask":"我三年前申请了第 13 章破产，现已解除——我能符合资格吗？","r4tour.step7.12.title":"解释任何「是」的回答","r4tour.step7.12.body":"<strong>如果你对所有项都选了「否」，可跳过此项。</strong>如果你对任何声明选了「是」，<strong>强烈建议</strong>在此处草拟你的说明——每一项写几句话：发生了什么、何时发生、目前状态（已还清／正在分期还款／待处理）。无论如何，贷款机构都会需要一份正式的说明信；这份草稿能帮你快速起步。","r4tour.step7.12.ask":"我的说明信需要写得多详细？","r4tour.step8.0.title":"确认与协议","r4tour.step8.0.body":"这是提交申请前的<strong>法律握手</strong>。共六个编号要点：(1) 你提供的信息属实，(2) 该房产作为贷款抵押，(3) 估价是为贷款机构所做，(4) 你同意电子签名，(5) 逾期付款会影响你的信用，(6) 你授权贷款机构核实你的信息。逐条阅读，然后勾选底部的方框以继续。在房贷申请中作假属于联邦犯罪（18 U.S.C. \xa7 1014），所以请慢慢来。","r4tour.step8.0.ask":"我勾选这个方框时，实际上是在同意什么？","r4tour.step9.0.title":"您（或您已故的配偶）是否服过役？","r4tour.step9.0.body":"退伍军人和现役军人有资格申请 <strong>VA 贷款</strong>，$0 首付、无 PMI、利率有竞争力。即使只有一天的合格服役也算数。在服役期间去世的军人的遗孀（夫）同样有资格。","r4tour.step9.0.ask":"我在国民警卫队服役了 2 年——我有资格申请 VA 贷款吗？","r4tour.step9.1.title":"目前是否在现役？","r4tour.step9.1.body":"如果你目前正在服役，请勾选此项——它能<strong>增强</strong> VA 贷款资格，贷款机构除了你的 DD-214 之外，还会需要一份当前的服役证明（Statement of Service）。","r4tour.step9.1.ask":"如果我仍在现役，还需要 DD-214 吗？","r4tour.step9.2.title":"是否为军人的遗孀（夫）？","r4tour.step9.2.body":"如果你的配偶在服役期间或因与服役相关的伤残去世，你可以使用其 VA 福利——这需要 VA 为遗属配偶颁发的专用资格证书（Certificate of Eligibility）。你的经纪人可以协助你申请。","r4tour.step9.2.ask":"作为遗属配偶，我如何获得 VA 资格证书（Certificate of Eligibility）？","r4tour.step9.3.title":"我们为何询问人口统计信息","r4tour.step9.3.body":"联邦法律（<strong>HMDA</strong>，《住房抵押贷款披露法》）要求贷款机构进行询问。<strong>回答是自愿的</strong>——拒绝不会影响你的申请、利率或获批几率。这些数据以汇总形式上报，用于监测公平借贷合规情况，绝不会用于决定你的贷款。","r4tour.step9.3.ask":"为什么房贷申请会询问我的种族和族裔？","r4tour.step9.4.title":"族裔","r4tour.step9.4.body":"选择一项：<em>西班牙裔或拉丁裔</em>、<em>非西班牙裔或拉丁裔</em>，或<em>我不愿提供</em>。如果你选择西班牙裔或拉丁裔，系统会要求你具体说明（墨西哥裔、波多黎各裔、古巴裔或其他西班牙裔）。","r4tour.step9.4.ask":"如果我有混合血统，族裔该怎么填写？","r4tour.step9.5.title":"性别","r4tour.step9.5.body":'三个选项：男性、女性，或"我不愿提供"。就 HMDA 而言，这是联邦定义的出生时指定性别，而非性别认同的声明。',"r4tour.step9.5.ask":"如果我的性别认同与出生时指定的性别不同，怎么办？","r4tour.step9.6.title":"种族","r4tour.step9.6.body":'<strong>勾选所有适用项。</strong>某些类别有子选项（亚裔 → 华裔/日裔/韩裔等；太平洋岛民 → 夏威夷原住民/萨摩亚裔等）。美洲印第安人或阿拉斯加原住民会要求填写部落名称。ä¹

1Ÿæœ‰"我不愿提供"的选项。',"r4tour.step9.6.ask":"我是多种族——可以勾选多个选项吗？","r4tour.step9.7.title":"我们如何使用这些数据","r4tour.step9.7.body":"贷款机构每年向 CFPB 提交汇总的 HMDA 数据。这些数据追踪<strong>公平放贷模式</strong>——某个群体是否更常被拒、是否获得更差的利率等。CFPB 和记者用它来发现歧视。你的个人答案永远不会被公开。","r4tour.step9.7.ask":"我的贷款完成后，在哪里可以查看 HMDA 数据？","r4tour.step10.0.title":"电子签名同意","r4tour.step10.0.body":"你同意以<strong>电子方式</strong>而非纸质方式接收披露文件并签署贷款文件。根据 <em>E-Sign Act</em>，电子签名具有同等法律效力。你可以随时撤回，但太晚撤回可能会延迟交易完成。","r4tour.step10.0.ask":"撤回电子签名同意实际上会对我的申请产生什么影响？","r4tour.step10.1.title":"信用授权","r4tour.step10.1.body":"你正在允许你的经纪人通过批发贷款机构调取信用报告。在此阶段这通常是一次<strong>硬查询（hard pull）</strong>（之前的软查询用于预填负债）。硬查询会使你的分数下降 3–5 分，持续约 12 个月，但 <strong>14 天</strong>内的多次房贷查询算作一次。","r4tour.step10.1.ask":"信用的软查询和硬查询有什么区别？","r4tour.step10.2.title":"服务条款","r4tour.step10.2.body":"你正在声明你提供的信息属实，并同意平台的服务条款和隐私政策。条款链接在页脚；如果还没看过，请阅读一遍。","r4tour.step10.2.ask":"我在哪里可以找到完整的服务条款？","r4tour.step10.3.title":"可选短信 (SMS) 通知","r4tour.step10.3.body":"<strong>如果你只想接收电子邮件，可以跳过此项。</strong>三个可选类别：<em>安全与身份验证</em>（2FA 验证码）、<em>贷款状态与运营更新</em>（状态通知），以及<em>文件、过户与电子签名提醒</em>。可任意组合勾选——全部都不是必选项。可能会产生短信和数据费用。随时回复 <strong>STOP</strong> 即可退订。","r4tour.step10.3.ask":"如果我勾选这些选项，会收到营销短信吗，还是只会收到状态更新？","r4tour.cfg.dashboard.0.title":"欢迎来到指挥中心","r4tour.cfg.dashboard.0.body":'<p class="vt-summary">这是你的仪表板——一个集中跟踪贷款全过程的地方，从申请到拿到钥匙。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>实时贷款状态</strong><span>所处阶段、当前进度对比预期、当前阻碍</span></li><li><strong>待办请求</strong><span>需要你提供的所有内容，最早的排在最前</span></li><li><strong>供应商进度</strong><span>六条流程（信用、评估、产权……）及预计完成时间</span></li><li><strong>文件中心</strong><span>在一个地方上传、跟踪并核对所有文件</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>我们会先重点介绍本页面的每个部分，然后带你浏览网站的其余部分（利率、计算器、申请、文件、选项、设置）。</span>\n        </div>\n        <p class="vt-next-hint">点击<strong>下一步</strong>查看你的贷款状态面板。</p>',"r4tour.cfg.dashboard.1.title":"你的贷款状态","r4tour.cfg.dashboard.1.body":'<p class="vt-summary">一张卡片，全局尽览——你的贷款进展到哪、谁在拖慢进度，以及你的进度是否跟得上。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>进度环</strong><span>8 个里程碑的完成百分比</span></li><li><strong>时间线条</strong><span>每个阶段都标注已达成 / 进行中 / 即将到来的状态</span></li><li><strong>进度标记</strong><span>红色 = 平均水平。琥珀色 = 你所处的位置。</span></li><li><strong>计数方块</strong><span>深入查看进行中 / 已完成 / 需关注</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.2.title":"贷款健康评分","r4tour.cfg.dashboard.2.body":'<p class="vt-summary">快速了解你的贷款档案进展如何——满分 100 的评分，加上区间状态（进展顺利、需关注或需采取行动）以及拉低评分的原因。</p>\n        \n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">小提示</span>\n            <span>如果看到“需关注”，最快见效的办法通常是处理最早的待办请求——这些请求拖久了会变成“逾期”，也是贷款无法按期过户的头号原因。</span>\n        </div>',"r4tour.cfg.dashboard.3.title":"你的贷款专员","r4tour.cfg.dashboard.3.body":'<p class="vt-summary">请确认这位就是一直与你合作的 LO。任何需要人工处理的事情都可以直接找他们——利率、方案、条件、特殊情况等。</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>如果姓名或联系方式看起来有误，请通过仪表板底部的聊天按钮告诉我们，我们会重新分配。</span>\n        </div>',"r4tour.cfg.dashboard.4.title":"添加共同借款人","r4tour.cfg.dashboard.4.body":'<p class="vt-summary">和配偶或伴侣一起购房或再融资？在这里邀请他们。他们会收到一封带有安全链接的电子邮件，用于填写各自那部分的 1003——无需共享你的登录信息。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>邮件邀请</strong><span>立即发送，链接 7 天后失效</span></li><li><strong>他们自己的登录</strong><span>用自己的邮箱 + 自设密码登录</span></li><li><strong>你始终掌控</strong><span>可以查看他们的状态、重新发送邀请或撤销访问权限</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.5.title":"还有“阶段”视图","r4tour.cfg.dashboard.5.body":'<p class="vt-summary">同一笔贷款，一次只看一个阶段。在申请 → 定价 → 处理 → 核保 → 条件 → 可过户之间滑动（或点按），查看每一步正在发生什么以及预期会发生什么。</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>我们刚刚把整个流程过了一遍，所以六个阶段你都看过了。现在我们重点停留在最需要你出力的两个阶段：定价和处理。</span>\n        </div>',"r4tour.cfg.dashboard.6.title":"定价——你的最佳利率，实时呈现","r4tour.cfg.dashboard.6.body":'<p class="vt-summary">申请就绪后，我们会从你经纪人网络中的每家批发贷款机构拉取实时定价，并呈现最适合你情况的那一个最佳选择。此处仅供查看；锁定利率在经纪人端进行。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>最佳利率横幅</strong><span>当前最适合你贷款档案、最具竞争力的报价</span></li><li><strong>每月 P&I</strong><span>本金 + 利息，按此利率结合你的贷款金额计算</span></li><li><strong>折扣点</strong><span>最佳价格是平价，还是包含买断利率</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>利率每天都在变动——有时一天内也会变。如果看到中意的利率，请联系你的贷款专员锁定。每当批发利率表更新时，我们都会刷新这张卡片。</span>\n        </div>',"r4tour.cfg.dashboard.7.title":"拖放上传你的文件","r4tour.cfg.dashboard.7.body":'<p class="vt-summary">这是处理环节的核心。把任何文件拖放到此区域的任意位置，我们的 AI 都会自动归类——工资单归入收入，银行对账单归入资产，购房合同归入房产。你无需手动标注任何内容。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>多文件拖放</strong><span>一次拖入整个文件夹——我们会全部分类</span></li><li><strong>自动识别</strong><span>OCR 读取每一页并判断其内容</span></li><li><strong>支持手机上传</strong><span>拍张照片，从相册里直接拖进来</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">小提示</span>\n            <span>银行对账单必须包含每一页（是的，包括末尾的空白页）——贷款机构会拒绝不完整的对账单。如果 AI 发现页数不符，会向你发出提醒。</span>\n        </div>',"r4tour.cfg.dashboard.8.title":"房主保险——尽快办理","r4tour.cfg.dashboard.8.body":'<p class="vt-summary">我们需要尽早拿到你房主保险代理人的联系方式，以便贷款机构能在核保通过前索取保险声明页。缺少这一项是贷款无法按期过户的最常见原因。</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>如果你还没有代理人，可以向贷款专员咨询推荐——他们经常和保险公司打交道，通常一两天内就能为你拿到有竞争力的报价。</span>\n        </div>',"r4tour.cfg.dashboard.9.title":"需要你关注","r4tour.cfg.dashboard.9.body":'<p class="vt-summary">这是你的待办队列。这里的任何事项都在等待你来处理——通常是需要你签字的披露文件（Loan Estimate、Closing Disclosure 等），或贷方标记为缺失的文档。</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>每次进入这里时都先处理这些事项。对于任何有逾期签字的文件，贷方都会暂停核保。</span>\n        </div>',"r4tour.cfg.dashboard.10.title":"我们请求的每一份文档","r4tour.cfg.dashboard.10.body":'<p class="vt-summary">在任务行下方，你会看到我们需要的每个类别的列：身份、收入、资产、房产、披露文件。每份文档要么标为已完成（绿色），要么标为等待你处理（琥珀色）。在核保开始之前，我们需要全部这些文档。</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>如果你不确定某项请求是什么意思（例如"两个月的银行对账单——所有页面"），点击该文档，我们会用通俗易懂的语言展示哪些符合要求的示例。</span>\n        </div>',"r4tour.cfg.dashboard.11.title":"卡住了？问问真人。","r4tour.cfg.dashboard.11.body":'<p class="vt-summary">有文档让你犯难？别拖着——你的贷款专员或持牌经纪人几乎能在一条消息内解决任何问题。</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>响应速度是按时完成放款的最大预测因素。在 4 小时内回复的借款人平均比 48 小时内回复的借款人快约 9 天完成放款。</span>\n        </div>\n        <p class="vt-next-hint">点击<strong>下一步</strong>继续查看今天的实时利率。</p>',"r4tour.cfg.rates.0.title":"今日房贷利率","r4tour.cfg.rates.0.body":'<p class="vt-summary">

1来自你经纪人利率表的批发渠道利率，每日更新。这些是你的贷款真正定价所依据的实际数字——不是你在 Google 上看到的营销诱饵利率。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你在这里可以做什么</p>\n            <ul class="vt-features">\n                <li><strong>各项目定价</strong><span>常规贷款、FHA、VA、USDA、jumbo、ARM</span></li><li><strong>利率 vs. APR</strong><span>APR 包含费用 + 点数，因此更能反映真实成本</span></li><li><strong>实时更新</strong><span>在市场波动时，利率一天可能变动两次</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>按 APR 比较，而不是按利率。两笔同为 6.500% 利率的贷款，APR 可能相差很大——而 APR 更高的贷款在整个贷款期内花费更多。</span>\n        </div>',"r4tour.cfg.rates.1.title":"利率对比表","r4tour.cfg.rates.1.body":'<p class="vt-summary">每一行是一个贷款项目。每一列都是你在选择之前应该对比的内容。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你在这里可以做什么</p>\n            <ul class="vt-features">\n                <li><strong>利率</strong><span>就贷款余额收取的利息</span></li><li><strong>APR</strong><span>利率 + 费用 + 点数，以单一年化百分比表示</span></li><li><strong>点数</strong><span>用于降低利率的可选预付费用（1 点 = 贷款金额的 1%）</span></li><li><strong>预估每月 P&I</strong><span>仅本金 + 利息——税费/保险/HOA 另行叠加</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">\n            <span class="vt-example-label">示例</span>\n            <span>30 年期固定利率 6.875%、0 点数 vs. 6.500%、2 点数：只有当你持有贷款超过盈亏平衡点（约 5-7 年）时，2 点数的贷款才划算。</span>\n        </div>',"r4tour.cfg.rates.2.title":"设置利率提醒","r4tour.cfg.rates.2.body":'<p class="vt-summary">告诉我们你的目标利率，一旦任何项目降到该利率，我们就会立刻给你发邮件。没有每日的杂讯——只有真正重要的提醒。</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>经纪人会看到成千上万盯着利率的借款人。设置提醒是不必整天盯着页面就能抓住利率下跌的最可靠方法。</span>\n        </div>',"r4tour.cfg.rates.3.title":"准备好时锁定利率","r4tour.cfg.rates.3.body":'<p class="vt-summary">锁定利率可在你的文件完成期间保护你免受利率上涨的影响。标准锁定期为 15、30、45 或 60 天。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你在这里可以做什么</p>\n            <ul class="vt-features">\n                <li><strong>锁定过早</strong><span>如果你的文件超过锁定期，你需支付重新锁定费</span></li><li><strong>锁定过晚</strong><span>从现在到放款之间的任何利率上涨都由你承担</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>大多数贷款在预计放款前 30-45 天锁定。你的经纪人会根据你的文件推荐一个具体的时间窗口。</span>\n        </div>',"r4tour.cfg.rates.4.title":"专业建议——与你的 LO 沟通","r4tour.cfg.rates.4.body":'<p class="vt-summary">利率表无法告诉你哪个项目真正适合你的文件。你的贷款专员可以——他们能同时看到所有约束条件（DTI、LTV、入住情况、信用、储备金）。</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小提示</span>\n            <span>如果你在 VA、FHA、常规贷款或 ARM 之间犹豫，给你的 LO 发一条消息，描述你的目标（最低月供？最短期限？套现？），他们会用通俗易懂的语言为你分析利弊。</span>\n        </div>',"r4tour.cfg.rates.5.title":"下一步：计算器","r4tour.cfg.rates.5.body":'<p class="vt-summary">三个工具，帮你围绕刚刚看到的利率进行规划。</p>\n        \n        \n        \n        <p class="vt-next-hint">点击<strong>下一步</strong>前往那里。</p>',"r4tour.cfg.calculators.0.title":"房贷计算器","r4tour.cfg.calculators.0.body":'<p class="vt-summary">三项快速测算，基于你的贷款专员使用的同一套算法。调整任意输入项，即可看到每个相关数字实时更新。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你在这里可以做什么</p>\n            <ul class="vt-features">\n                <li><strong>每月还款</strong><span>本金 + 利息 + 税费 + 保险 + HOA（PITIA）</span></li><li><strong>购房能力</strong><span>根据你的收入、债务和首付得出的最高购房价格</span></li><li><strong>再融资 ROI</strong><span>利率与期限再融资的盈亏平衡点</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">小提示</span>\n            <span>每个计算器底部都有一个术语表，用通俗易懂的语言解释术语——如果"前端 DTI"或"LTV"让你头晕，这会很有用。</span>\n        </div>',"r4tour.cfg.calculators.1.title":"在顶部切换标签页","r4tour.cfg.calculators.1.body":'<p class="vt-summary">每个计算器都是独立的标签页。每个标签页顶部的说明会告诉你它计算什么以及何时使用。</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">示例</span>\n            <span>在出价之前使用购房能力（"我能负担多少？"）。出价之后使用每月还款（"这套房子要花多少钱？"）。使用再融资 ROI 来判断再融资你现有的贷款是否值得。</span>\n        </div>\n        \n        <p class="vt-next-hint">下一站：1003 申请表。</p>',"r4tour.cfg.apply.0.title":"1003 房贷申请表","r4tour.cfg.apply.0.body":'<p class="vt-summary">1003 表格是美国每家贷款机构都使用的标准申请表。我们将其拆分为 10 个简短的向导步骤，让你可以一次性在手机上填完。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>借款人信息、地址、联系方式</strong><span>第 1 步 — 你的基本信息 + 可选的快速 ID 扫描</span></li><li><strong>就业 + 收入</strong><span>第 2 步 — 2 年工作经历、当前工作、月收入</span></li><li><strong>资产 + 负债</strong><span>第 3-4 步 — 银行账户、信用卡、贷款</span></li><li><strong>房产 + 贷款详情</strong><span>第 6 步 — 你要买什么、需要多少</span></li><li><strong>声明 + 同意书</strong><span>第 7-10 步 — 法律问题 + 电子签名授权</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小贴士</span>\n            <span>每 1.5 秒自动保存一次 — 你可以随时关闭标签页，再回来时会停留在原处。</span>\n        </div>',"r4tour.cfg.apply.1.title":"随时保存 \xb7 自由跳转","r4tour.cfg.apply.1.body":'<p class="vt-summary">顶部的进度条会跟踪每个步骤。你可以往回跳去修改内容、往前看看接下来是什么，或保存并退出以稍后完成。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>自动保存指示器</strong><span>右上角的“已保存”标签会告诉你云端已保存全部内容</span></li><li><strong>跳转到某一步</strong><span>点击进度条中的任意步骤图标即可导航</span></li><li><strong>在任意设备上继续</strong><span>在笔记本上开始，在手机上完成 — 你的草稿会跟着你</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小贴士</span>\n            <span>如果自动保存标签显示“正在编辑…”超过几秒钟，请在导航前手动点击保存 — 通常是网络变慢了。</span>\n        </div>',"r4tour.cfg.apply.2.title":"卡住了？问问 Breeze","r4tour.cfg.apply.2.body":'<p class="vt-summary">浮动的帮助图标会打开一个对 1003 表格了如指掌的聊天机器人。什么都可以问 — 某个字段是什么意思、我们为什么需要它、如果你不知道确切答案该填什么。</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">示例</span>\n            <span>“&lsquo;在职年限&rsquo;和&lsquo;从事此行业年限&rsquo;有什么区别？”或“我没有中间名 — 该怎么办？”</span>\n        </div>\n        <div class="vt-tip">\n            <span class="vt-tip-label">小贴士</span>\n            <span>Breeze 仅限于房贷领域 — 它不会假装是通用 AI，也不会回答跑题的问题，这让它的回答保持可靠。</span>\n        </div>',"r4tour.cfg.documents.0.title":"你的文件中心","r4tour.cfg.documents.0.body":'<p class="vt-summary">你的贷款机构需要的每份文件都放在这里。我们会对你上传的内容进行 OCR 识别，自动将每个文件归入正确的位置，并告诉你还缺什么。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>身份</strong><span>驾照 / 护照 / 州 ID</span></li><li><strong>收入</strong><span>工资单、W-2、1099、报税表</span></li><li><strong>资产</strong><span>每个账户 2 个月的银行对账单、退休账户余额</span></li><li><strong>房产</strong><span>购买协议、定金收据、HOI 保单</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">小贴士</span>\n            <span>支持拖放，也支持手机拍照。银行对账单必须包含所有页面 — 即使是空白页 — 否则贷款机构会拒收。</span>\n        </div>',"r4tour.cfg.documents.1.title":"智能上传","r4tour.cfg.documents.1.body":'<p class="vt-summary">放入一个文件，我们会判断它该归到哪里。OCR 在后台运行 — 通常几秒钟，图像较多的 PDF 会久一些。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>PDF（文本可读）</strong><span>最佳 — OCR 最快、准确度最高</span></li><li><strong>JPG / PNG</strong><span>可用 — 我们会对图像做 OCR 并确认提取的数据</span></li><li><strong>HEIC（iPhone）</strong><span>上传前自动转换为 JPG</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">\n            <span class="vt-example-label">示例</span>\n            <span>用手机拍一张你的驾照 — 我们会一次性提取姓名、出生日期、地址、驾照号码、有效期以及 AAMVA 条形码。</span>\n        </div>\n        <div class="vt-tip">\n            <span class="vt-tip-label">小贴士</span>\n            <span>如果贷款机构之后拒收某份文件（类型错误、时段错误、缺页），我们会在你的仪表板上将其显示为一个新的“待办请求”，并提供新的上传位置。</span>\n        </div>',"r4tour.cfg.loan-options.0.title":"你的贷款选项","r4tour.cfg.loan-options.0.body":'<p class="vt-summary">一旦核保通过你的文件，我们会在这里列出你符合条件的每个贷款方案 — 包含利率、月供、点数，以及针对你情况推荐的最佳匹配。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>利率 + APR + 点数</strong><span>与你在利率页面比较过的字段相同，但现在与你的文件绑定</span></li><li><strong>月供</strong><span>基于你的贷款金额、房产税估算和 HOI 报价的真实 PITIA</span></li><li><strong>成交所需现金</strong><span>首付 + 成交费用减去任何抵免</span></li><li><strong>“最佳匹配”标签</strong><span>根据你的优先事项给出的推荐（最低利率 vs. 最低月供 vs. 最少成交现金）</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小贴士</span>\n            <span>你的文件可能符合一些你不知道存在的方案（HomeReady、Home Possible、贷款机构抵免等）。浏览完整列表 — 最划算的方案很少是宣传最多的那个。</span>\n        </div>',"r4tour.cfg.loan-options.1.title":"并排比较","r4tour.cfg.loan-options.1.body":'<p class="vt-summary">每张卡片都是来自真实贷款机构的完整定价报价。首付滑块会实时重新计算每张卡片的价格 — 便于查看 5%、10%、20% 的首付如何改变你的月供。</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">示例</span>\n            <span>把首付从 5% 滑到 20%，看着 PMI 从每张卡片上消失 — 这就是“20% 经验法则”背后的算术。</span>\n        </div>\n        \n        <p class="vt-next-hint">最后一站：账户设置。</p>',"r4tour.cfg.settings.0.title":"账户设置","r4tour.cfg.settings.0.body":'<p class="vt-summary">个人资料、通知偏好、安全和隐私控制都在这里。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>个人资料</strong><span>姓名、邮箱、电话、地址 — 请保持最新</span></li><li><strong>通知</strong><span>按事件类型设置邮件/SMS/推送开关</span></li><li><strong>安全</strong><span>2FA、安全问题、Passkeys（即将推出）</span></li><li><strong>隐私</strong><span>数据下载 + 删除我的数据请求</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">小贴士</span>\n            <span>在上传你的 SSN 或银行信息之前先启用 2FA。房贷申请是高价值的钓鱼目标 — 设置 2FA 只需 10 秒，却是实实在在的安全升级。</span>\n        </div>',"r4tour.cfg.settings.1.title":"安全选项卡","r4tour.cfg.settings.1.body":'<p class="vt-summary">在这里加固你的账户。贷款机构会把借款人的安全状况作为其欺诈筛查的一部分 — 开启这些功能实际上有助于让你的文件更快推进。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>双因素认证</strong><span>SMS 或验证器应用 — 两者均支持</span></li><li><strong>安全问题</strong><span>当你无法访问 2FA 设备时的找回途径</span></li><li><strong>Passkeys</strong><span>抗钓鱼的无密码登录（即将推出）</span></li><li><strong>活动会话</strong><span>查看登录到你账户的每台设备；可远程登出任意一台</span></li>\n            </ul>\n        </div>',"r4tour.cfg.settings.2.title":"全部完成","r4tour.cfg.settings.2.body":'<p class="vt-summary">这就是完整的导览。现在你已经知道你贷款的每个重要部分在哪里，以及如何使用它。</p>\n        <div class="vt-section">\n            <p class="vt-section-label">你可以在这里做什么</p>\n            <ul class="vt-features">\n                <li><strong>需要复习？</strong><span>随时可以从仪表板重新播放此导览</span></li><li><strong>想了解更多？</strong><span>完整的书面说明在 /borrower/help</span></li><li><strong>某个具体问题卡住了？</strong><span>在任意页面问问 Breeze — 浮动的帮助机器人</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">小贴士</span>\n            <span>最成功的借款人会在 24 小时内处理仪表板上的待办请求，并在 4 小时内回复经纪人的消息。响应速度是按时成交的最大单一预测因素。</span>\n        </div>\n        <p class="vt-next-hint">点击<strong>完成</strong>返回你的仪表板，开始行动。</p>',"r4tour.chapter.dashboard":"仪表板","r4tour.chapter.rates":"利率","r4tour.chapter.calculators":"计算器","r4tour.chapter.apply":"申请","r4tour.chapter.documents":"文件","r4tour.chapter.loan-options":"贷款选项","r4tour.chapter.settings":"设置","r4tour.previewingChapter":"正在预览 {chapter}","r4tour.stepOf":"第 {current} 步，共 {total} 步","r4tour.previewing":"正在预览…","r4tour.dialogLabel":"导览步骤","r4tour.closeTour":"关闭导览","r4tour.closeDisabledPreviewing":"关闭（预览时不可用）"},vi:{"borrower.dashboard.title":"Trang tổng quan của bạn","borrower.dashboard.welcome":"Ch\xe0o mừng","borrower.dashboard.goodMorning":"Ch\xe0o buổi s\xe1ng","borrower.dashboard.goodAfternoon":"Ch\xe0o buổi chiều","borrower.dashboard.goodEvening":"Ch\xe0o buổi tối","borrower.actions.openConditions":"C\xe1c việc cần bạn thực hiện","borrower.actions.allClear":"Kh\xf4ng c\xf3 việc cần l\xe0m","borrower.calculators.title":"C\xf4ng cụ t\xednh to\xe1n vay thế chấp","borrower.calculators.affordability":"Khả năng chi trả","borrower.calculators.refiRoi":"ROI t\xe1i t\xe0i trợ","borrower.calculators.monthlyPayment":"Khoản thanh to\xe1n h\xe0ng th\xe1ng","borrower.notifications.empty":"Chưa c\xf3 th\xf4ng b\xe1o n\xe0o.","borrower.notifications.markAllRead":"Đ\xe1nh dấu tất cả đ\xe3 đọc","borrower.disclosures.title":"T\xe0i liệu c\xf4ng bố của bạn","borrower.le.viewAndDownload":"Xem v\xe0 tải xuống","borrower.cd.acknowledgeRequired":"Vui l\xf2ng x\xe1c nhận trước khi k\xfd","borrower.cd.threeDayWait":"Thời gian chờ 3 ng\xe0y l\xe0m việc","borrower.push.enable":"Nhận th\xf4ng b\xe1o khi c\xf3 thay đổi","borrower.push.alreadyOn":"Th\xf4ng b\xe1o đẩy đang bật","borrower.timeline.title":"Tiến tr\xecnh vay của bạn","borrower.closingRoom.title":"Ph\xf2ng đ\xf3ng hồ sơ","borrower.closingRoom.scheduleNotary":"Đặt lịch c\xf4ng chứng","borrower.closingRoom.openSigningPortal":"Mở cổng k\xfd kết","borrower.preQual.cta":"Xem tư c\xe1ch vay sơ bộ","borrower.preQual.noFicoImpact":"Kh\xf4ng ảnh hưởng điểm FICO","borrower.insurance.title":"Bảo hiểm nh\xe0 ở","borrower.insurance.applyNow":"Đăng k\xfd ngay","borrower.uploadDoc":"Tải l\xean t\xe0i liệu","borrower.connectBank":"Kết nối ng\xe2n h\xe0ng","common.cancel":"Hủy","common.save":"Lưu","common.back":"Quay lại","common.next":"Tiếp theo","common.done":"Ho\xe0n tất","common.startApplication":"Bắt đầu đăng k\xfd","common.viewDetails":"Xem chi tiết","common.askVera":"Hỏi Breeze","common.refresh":"L\xe0m mới","common.openInbox":"Mở hộp thư","auth.signIn":"Đăng nhập","auth.signOut":"Đăng xuất","nav.rates":"L\xe3i suất","nav.calculators":"C\xf4ng cụ t\xednh to\xe1n","nav.dashboard":"Trang tổng quan","nav.documents":"T\xe0i liệu","nav.conditions":"Điều kiện","nav.loanOptions":"T\xf9y chọn vay","nav.askVera":"Hỏi Breeze","nav.pricing":"Bảng gi\xe1","nav.home":"Trang chủ","nav.resources":"T\xe0i nguy\xean","

1nav.support":"Hỗ trợ","nav.login":"Đăng nhập","nav.getStarted":"Bắt đầu","nav.createAccount":"Tạo t\xe0i khoản","nav.openMenu":"Mở menu","nav.navigation":"Điều hướng","nav.themeWait":"Vui l\xf2ng chờ...","nav.darkMode":"Chế độ tối","nav.midnightMode":"Chế độ ná»­a đ\xeam","nav.lightMode":"Chế độ s\xe1ng","dashboard.loanId":"M\xe3 khoản vay của bạn:","dashboard.group.progress.title":"Tiến tr\xecnh v\xe0 c\xe1c bước tiếp theo của bạn","dashboard.group.progress.subtitle":"T\xecnh trạng khoản vay v\xe0 những g\xec ch\xfang t\xf4i cần từ bạn","dashboard.group.numbers.title":"C\xe1c con số của bạn","dashboard.group.numbers.subtitle":"Khoản thanh to\xe1n, khả năng chi trả v\xe0 t\xecnh trạng khoản vay","dashboard.group.closing.title":"Ho\xe0n tất","dashboard.group.closing.subtitle":"Ng\xe0y ho\xe0n tất, chi ph\xed v\xe0 những g\xec cần mang theo","dashboard.group.team.title":"Nh\xf3m hỗ trợ v\xe0 tin nhắn của bạn","dashboard.group.team.subtitle":"Nh\xe2n vi\xean cho vay, người đồng vay v\xe0 tin nhắn","dashboard.group.documents.title":"T\xe0i liệu v\xe0 t\xe0i nguy\xean","dashboard.group.documents.subtitle":"C\xf4ng bố th\xf4ng tin, phÆ°Æ¡ng thức thanh to\xe1n, giới thiệu v\xe0 hướng dẫn","dashboard.overview":"Tổng quan","dashboard.stages":"C\xe1c giai đoạn","dashboard.finishAppToUnlock":"Ho\xe0n th\xe0nh đơn đăng k\xfd để mở tổng quan bảng điều khiển","dashboard.messageLoanOfficer":"Nhắn tin cho chuy\xean vi\xean vay của bạn","dashboard.helpCenter":"Trung t\xe2m trợ gi\xfap","dashboard.askVeraLabel":"Hỏi Breeze bất cứ điều g\xec về khoản vay của bạn","dashboard.offlineBanner":"Bạn đang ngoại tuyến — cập nhật trá»±c tiếp đ\xe3 tạm dừng. C\xe1c thay đổi của bạn được lÆ°u cục bộ.","dashboard.offlineSnapshot":"Ngoại tuyến — hiển thị ảnh chụp nhanh đ\xe3 lÆ°u gần nhất","dashboard.offlineWelcomeBack":"Ch\xe0o mừng trở lại","dashboard.yourDashboard":"Bảng điều khiển của bạn","dashboard.offlineLoanStatus":"Trạng th\xe1i khoản vay","dashboard.offlineCachedAt":"lÆ°u l\xfac","dashboard.offlineStageSteps":"Giai đoạn: {stage} — {done}/{total} bước đ\xe3 ho\xe0n th\xe0nh","dashboard.offlineReconnect":"Kết nối lại để xem cập nhật trá»±c tiếp v\xe0 thá»±c hiện c\xe1c thao t\xe1c.","dashboard.offlineItemNeeded":"C\xf2n {n} mục cần thá»±c hiện","dashboard.offlineItemsNeeded":"C\xf2n {n} mục cần thá»±c hiện","dashboard.loadingProfile":"Đang tải hồ sÆ¡ của bạn…","dashboard.redirectingLogin":"Đang chuyển hướng đến trang đăng nhập...","dashboard.stuckSignOut":"Bị kẹt? Đăng xuất v\xe0 thá»­ lại","dashboard.appSubmitted":"Đ\xe3 gá»­i đơn đăng k\xfd","dashboard.appSubmittedMsg":"M\xf4i giới của bạn đ\xe3 được th\xf4ng b\xe1o. Bạn sẽ thấy c\xe1c cập nhật tại đ\xe2y khi khoản vay được xá»­ l\xfd.","dashboard.brokerPreviewDetail":"— đ\xe2y l\xe0 bản sao ho\xe0n to\xe0n giống những g\xec người vay của bạn đang thấy tr\xean bảng điều khiển của họ ngay l\xfac n\xe0y.","dashboard.exitPreview":"Tho\xe1t xem trước","conditions.headerTitle":"Một số t\xe0i liệu m\xe0 người cho vay của bạn cần","conditions.headerSubtitle":"Tải l\xean những g\xec được y\xeau cầu b\xean dưới — hoặc chỉ cần thả một tệp v\xe0o bất kỳ đ\xe2u v\xe0 ch\xfang t\xf4i sẽ khớp với mục ph\xf9 hợp. Bạn c\xf3 thể thá»±c hiện theo bất kỳ thứ tá»± n\xe0o.","conditions.conditionsLabel":"Điều kiện","conditions.toUpload":"Cần tải l\xean","conditions.submittedInReview":"Đ\xe3 nộp \xb7 đang xem x\xe9t","conditions.done":"Ho\xe0n tất","conditions.allCaughtUp":"Tất cả đ\xe3 xong — l\xe0m tốt lắm!","conditions.fileClear":"Hồ sÆ¡ của bạn đ\xe3 r\xf5 r\xe0ng — kh\xf4ng c\xf3 g\xec đang chờ bạn","conditions.statToDo":"Cần l\xe0m","conditions.statInReview":"Đang xem x\xe9t","conditions.statDone":"Ho\xe0n tất","conditions.statTotal":"Tổng cộng","conditions.clearedSummary":"{done} trong {total} đ\xe3 được duyệt","conditions.smartUploadTitle":"Tải l\xean th\xf4ng minh","conditions.smartUploadSub":"Thả bất kỳ tệp n\xe0o — ch\xfang t\xf4i sẽ khớp với điều kiện ph\xf9 hợp.","conditions.smartUploadFormats":"PDF \xb7 JPG \xb7 PNG","conditions.heroDropTitle":"Thả t\xe0i liệu của bạn v\xe0o đ\xe2y","conditions.heroDropSub":"T\xe0i liệu sẽ tá»± động v\xe0o đ\xfang điều kiện","conditions.heroBrowse":"Duyệt tệp","conditions.heroCamera":"D\xf9ng m\xe1y ảnh","conditions.heroCameraOverlay":"Giữ t\xe0i liệu của bạn trong khung h\xecnh","conditions.suggested":"Đề xuất","conditions.upload":"Tải l\xean","conditions.replace":"Thay thế","conditions.underReview":"Đang xem x\xe9t","conditions.submitted":"Đ\xe3 nộp","conditions.processing":"Đang xá»­ l\xfd","conditions.accepted":"Đ\xe3 chấp nhận","conditions.waived":"Đ\xe3 miễn","conditions.gotIt":"Đ\xe3 hiểu","conditions.sentBack":"Trả lại:","conditions.askVera":"Hỏi Breeze","conditions.loadError":"Kh\xf4ng thể tải điều kiện của bạn. Vui l\xf2ng l\xe0m mới.","conditions.veraHideError":"Kh\xf4ng thể ẩn t\xf3m tắt của Breeze. Vui l\xf2ng thá»­ lại.","conditions.veraEnableError":"Kh\xf4ng thể bật t\xf3m tắt của Breeze. Vui l\xf2ng thá»­ lại.","conditions.uploadingFile":"Đang tải l\xean {name}…","conditions.uploadedFile":"{name} đ\xe3 tải l\xean — chuy\xean vi\xean vay của bạn sẽ xem x\xe9t.","conditions.uploadFailed":"Tải l\xean thất bại: {error}","conditions.undoError":"Kh\xf4ng thể ho\xe0n t\xe1c","conditions.checkoutError":"Kh\xf4ng thể bắt đầu thanh to\xe1n: {error}","login.eyebrow":"Người vay","login.title":"Đăng nhập v\xe0o t\xe0i khoản của bạn","login.subtitle":"Tiếp tục từ nÆ¡i bạn đ\xe3 dừng lại.","login.noAccount":"ChÆ°a c\xf3 t\xe0i khoản?","login.signUp":"Đăng k\xfd","login.emailVerified":"Email đ\xe3 được x\xe1c minh — đăng nhập b\xean dưới để tiếp tục.","login.accountCreatedVerifyEmail":"T\xe0i khoản đ\xe3 được tạo. H\xe3y x\xe1c minh email khi c\xf3 thể — c\xe1c t\xednh năng Plaid v\xe0 ng\xe2n h\xe0ng sẽ được mở kh\xf3a sau đ\xf3.","login.idleSignedOut":"Bạn đ\xe3 bị đăng xuất do kh\xf4ng hoạt động. Đăng nhập lại để tiếp tục.","login.sessionsRevoked":"Tất cả phi\xean đ\xe3 được đăng xuất. Đăng nhập lại để tiếp tục.","login.orWithEmail":"Hoặc bằng email","login.emailLabel":"Địa chỉ email","login.emailPlaceholder":"[email protected]","login.passwordLabel":"Mật khẩu","login.passwordPlaceholder":"••••••••","login.forgotPassword":"Qu\xean mật khẩu?","login.authenticatorCode":"M\xe3 x\xe1c thá»±c","login.verifyCode":"X\xe1c minh m\xe3","login.loading":"Đang tải…","login.errorInvalidCode":"M\xe3 kh\xf4ng hợp lệ. Vui l\xf2ng thá»­ lại.","login.errorInvalidCredentials":"Email hoặc mật khẩu kh\xf4ng hợp lệ.","login.errorAccountLocked":"T\xe0i khoản tạm thời bị kh\xf3a do qu\xe1 nhiều lần thá»­ thất bại.","login.errorAccountCannotSignIn":"T\xe0i khoản n\xe0y hiện kh\xf4ng thể đăng nhập.","login.errorLoginUnavailable":"Đăng nhập kh\xf4ng khả dụng. Vui l\xf2ng thá»­ lại.","login.errorServerTimeout":"M\xe1y chá»

1§ hết thời gian. Vui l\xf2ng thá»­ lại.","login.errorGeneric":"Đ\xe3 xảy ra sá»± cố.","lang.change":"Đổi ng\xf4n ngữ","lang.heading":"Ng\xf4n ngữ","nav.brandRole":"Người vay","nav.brandTagline":"Nền tảng thế chấp AI","nav.features":"T\xednh năng","nav.benefits":"Lợi \xedch","nav.signIn":"Đăng nhập","nav.goToDashboard":"Đến bảng điều khiển","nav.closeMenu":"Đ\xf3ng menu","nav.contactBroker":"Li\xean hệ nh\xe0 m\xf4i giới","footer.tagline":"Khởi tạo khoản vay thế chấp bằng AI cho c\xe1c nh\xe0 m\xf4i giới h\xe0ng đầu. Ho\xe0n tất khoản vay nhanh hÆ¡n, mở rộng doanh nghiệp của bạn.","footer.rightsReserved":"Bảo lÆ°u mọi quyền.","footer.equalHousing":"CÆ¡ Hội Nh\xe0 Ở B\xecnh Đẳng","footer.licensedCA":"Được cấp ph\xe9p tại CA","footer.col.product":"Sản phẩm","footer.col.company":"C\xf4ng ty","footer.col.legal":"Ph\xe1p l\xfd","footer.col.support":"Hỗ trợ","footer.link.aiUnderwriting":"Thẩm định bằng AI","footer.link.docVerification":"X\xe1c minh t\xe0i liệu","footer.link.borrowerPortal":"Cổng người vay","footer.link.crmCampaigns":"CRM & Chiến dịch","footer.link.pipelineMgmt":"Quản l\xfd quy tr\xecnh","footer.link.aboutUs":"Về ch\xfang t\xf4i","footer.link.careers":"Tuyển dụng","footer.link.blog":"Blog","footer.link.contact":"Li\xean hệ","footer.link.privacy":"Ch\xednh s\xe1ch quyền ri\xeang tÆ°","footer.link.terms":"Điều khoản dịch vụ","footer.link.cookies":"Ch\xednh s\xe1ch cookie","footer.link.ccpa":"Th\xf4ng b\xe1o CCPA","footer.link.doNotSell":"Kh\xf4ng b\xe1n th\xf4ng tin cá»

1§a t\xf4i","footer.link.disclaimer":"Tuy\xean bố miễn trừ tr\xe1ch nhiệm","footer.link.helpCenter":"Trung t\xe2m trợ gi\xfap","footer.link.apiDocs":"T\xe0i liệu API","footer.link.systemStatus":"Trạng th\xe1i hệ thống","footer.link.security":"Bảo mật","bfoot.techSupport":"Hỗ trợ kỹ thuật","bfoot.contactPerson":"Li\xean hệ {firstName}","bfoot.bookTime":"Đặt lịch hẹn","notif.bellTitle":"Th\xf4ng b\xe1o","notif.settingsTitle":"C\xe0i đặt th\xf4ng b\xe1o","notif.countNew":"{n} mới","notif.markAllReadTitle":"Đ\xe1nh dấu tất cả l\xe0 đ\xe3 đọc","notif.backToNotifications":"Quay lại th\xf4ng b\xe1o","notif.loading":"Đang tải…","notif.prefsLoadError":"Kh\xf4ng thể tải t\xf9y chọn.","notif.prefsHelp":"Bật/tắt c\xe1ch bạn nhận từng loại sá»± kiện. SMS chÆ°a được kết nối — c\xe1c t\xf9y chọn được lÆ°u lại nhÆ°ng sẽ kh\xf4ng gá»­i cho đến khi Twilio được cấu h\xecnh.","notif.colEvent":"Sá»± kiện","notif.colInApp":"Trong ứng dụng","notif.colEmail":"Email","notif.colSms":"SMS","notif.timeSecondsAgo":"{n} gi\xe2y trước","notif.timeMinutesAgo":"{n} ph\xfat trước","notif.timeHoursAgo":"{n} giờ trước","notif.timeDaysAgo":"{n} ng\xe0y trước","notif.countNewBadge":"{n} mới","notif.allCaughtUp":"Bạn đ\xe3 xem hết!","notif.viewAll":"Xem tất cả th\xf4ng b\xe1o","notif.emptyNoPeriod":"ChÆ°a c\xf3 th\xf4ng b\xe1o n\xe0o","notif.emptyCategory":"Kh\xf4ng c\xf3 th\xf4ng b\xe1o n\xe0o trong danh mục n\xe0y","notif.filterAll":"Tất cả","notif.typeUrgent":"Khẩn cấp","notif.typeAction":"H\xe0nh động","notif.typeInfo":"Th\xf4ng tin","notif.fallbackLoan":"Khoản vay","notif.staleTitle":"{name} kh\xf4ng c\xf3 hoạt động trong {days} ng\xe0y","notif.staleDetail":"Hiện đang ở {status} - rủi ro mất kh\xe1ch cao","notif.lockExpiringTitle":"Kh\xf3a l\xe3i suất sẽ hết hạn trong {days} ng\xe0y","notif.lockExpiringTitleOne":"Kh\xf3a l\xe3i suất sẽ hết hạn trong {days} ng\xe0y","notif.lockDetail":"{name} - kh\xf3a {days} ng\xe0y","notif.conditionPendingTitle":"{count} điều kiện đang chờ","notif.conditionsPendingTitle":"{count} điều kiện đang chờ","notif.conditionsDetail":"{name} - {status}","notif.followUpTitle":"{name} cần theo d\xf5i","notif.followUpDetail":"Kh\xf4ng c\xf3 hoạt động trong {days} ng\xe0y ở {status}","notif.clearedToCloseTitle":"{name} đ\xe3 sẵn s\xe0ng ho\xe0n tất","notif.clearedToCloseDetail":"L\xean lịch ho\xe0n tất v\xe0 y\xeau cầu t\xe0i liệu cuối c\xf9ng","notif.milestoneTitle":"Th\xf4ng b\xe1o cột mốc","notif.saved":"Đ\xe3 lÆ°u","notif.channelLabel":"K\xeanh th\xf4ng b\xe1o","notif.channelBoth":"Cả hai","notif.channelEmail":"EMAIL","notif.channelSms":"SMS","notif.channelBothLong":"Email + SMS","notif.milestoneSummary":"{active} trong {total} cột mốc đang hoạt động qua {channel}","notif.milestone.applicationReceived":"Đ\xe3 nhận đơn đăng k\xfd","notif.milestone.submittedToUW":"Đ\xe3 gá»­i cho thẩm định","notif.milestone.approved":"Đ\xe3 ph\xea duyệt","notif.milestone.conditionsSent":"Đ\xe3 gá»­i điều kiện","notif.milestone.clearToClose":"Sẵn s\xe0ng ho\xe0n tất","notif.milestone.closingScheduled":"Đ\xe3 l\xean lịch ho\xe0n tất","calc.beginLoanApplication":"Bắt đầu đơn xin khoản vay","calc.heroEyebrow":"C\xf4ng cụ t\xednh thế chấp","calc.heroTitle":"Bốn bước kiểm tra nhanh trước khi n\xf3i chuyện với nh\xe0 m\xf4i giới của bạn","calc.heroSubtitle":"Mỗi tab b\xean dưới trả lời một c\xe2u hỏi kh\xe1c nhau — khoản thanh to\xe1n của t\xf4i sẽ l\xe0 bao nhi\xeau, t\xf4i đủ khả năng mua căn nh\xe0 gi\xe1 bao nhi\xeau, b\xe2y giờ c\xf3 phải l\xfac tốt để t\xe1i cấp vốn kh\xf4ng, v\xe0 việc mua điểm chiết khấu c\xf3 đ\xe1ng kh\xf4ng. Ph\xe9p t\xednh ở đ\xe2y giống hệt ph\xe9p t\xednh m\xe0 chuy\xean vi\xean khoản vay của bạn d\xf9ng; ch\xfang t\xf4i chỉ tr\xecnh b\xe0y để bạn thấy mỗi th\xf4ng tin nhập v\xe0o thay đổi kết quả ra sao.","calc.tabMonthly":"Hằng th\xe1ng","calc.tabBuyPoints":"Mua điểm","calc.askVeraMonthlyLabel":"Hỏi Breeze về khoản thanh to\xe1n hằng th\xe1ng n\xe0y","calc.askVeraMonthlyPrompt":"H\xe3y g

1iải th\xedch cho t\xf4i c\xe1ch t\xednh khoản thanh to\xe1n hằng th\xe1ng v\xe0 điều g\xec sẽ thay đổi n\xf3 nhiều nhất.","calc.askVeraAffordabilityLabel":"Hỏi Breeze về khả năng chi trả của t\xf4i","calc.askVeraAffordabilityPrompt":"H\xe3y gi\xfap t\xf4i hiểu t\xf4i c\xf3 thể đủ khả năng chi trả bao nhi\xeau v\xe0 điều g\xec sẽ gi\xfap t\xf4i chi trả được nhiều hÆ¡n.","calc.askVeraRefiLabel":"Hỏi Breeze xem việc t\xe1i cấp vốn n\xe0y c\xf3 hợp l\xfd kh\xf4ng","calc.askVeraRefiPrompt":"H\xe3y giải th\xedch cho t\xf4i xem việc t\xe1i cấp vốn n\xe0y c\xf3 hợp l\xfd với ho\xe0n cảnh của t\xf4i kh\xf4ng v\xe0 t\xf4i cần x\xe1c nhận những g\xec.","calc.askVeraBuyDownLabel":"Hỏi Breeze xem việc mua điểm c\xf3 đ\xe1ng kh\xf4ng","calc.askVeraBuyDownPrompt":"H\xe3y giải th\xedch cho t\xf4i xem việc mua điểm chiết khấu c\xf3 hợp l\xfd kh\xf4ng dá»±a tr\xean thời gian t\xf4i dá»± định ở trong căn nh\xe0.","calc.whatThisDoes":"C\xf4ng cụ t\xednh n\xe0y l\xe0m g\xec","calc.monthlyExplainerBody":"Đưa số tiền khoản vay, l\xe3i suất v\xe0 thời hạn của bạn v\xe0o c\xf4ng thức khấu hao ti\xeau chuẩn rồi cộng th\xeam thuế + bảo hiểm + ph\xed HOA hằng th\xe1ng. Kết quả l\xe0 tổng chi ph\xed hằng th\xe1ng để sở hữu căn nh\xe0 đ\xf3 — kh\xf4ng chỉ ri\xeang khoản thanh to\xe1n khoản vay.","calc.loanBasics":"Th\xf4ng tin cÆ¡ bản về khoản vay","calc.homePrice":"Gi\xe1 nh\xe0","calc.homePriceHint":"Mức gi\xe1 mua bạn đang nhắm đến.","calc.downPaymentPct":"Khoản trả trước ({pct}%)","calc.downPaymentHint":"Tiền mặt bạn đem đến l\xfac ho\xe0n tất. Dưới 20% thường c\xf3 nghÄ©a l\xe0 phải đ\xf3ng PMI; 0% chỉ \xe1p dụng cho c\xe1c chÆ°Æ¡ng tr\xecnh VA / USDA.","calc.interestRatePct":"L\xe3i suất (%)","calc.interestRateHint":"L\xe3i suất hằng năm m\xe0 b\xean cho vay t\xednh. Được kh\xf3a lại sau khi bạn chấp nhận c\xe1c điều khoản.","calc.loanTerm":"Thời hạn khoản vay","calc.loanTermHint":"Bao nhi\xeau năm để trả hết.","calc.unitYr":"năm","calc.taxesInsurance":"Thuế v\xe0 bảo hiểm","calc.propertyTaxRatePct":"Thuế suất bất động sản (%)","calc.propertyTaxRateHintMonthly":"Một tá»· lệ phần trăm tr\xean gi\xe1 trị nh\xe0, do quận của bạn thu. Háº

1§u hết c\xe1c bang l\xe0 0,5–2%.","calc.homeInsuranceYear":"Bảo hiểm nh\xe0 ($/năm)","calc.homeInsuranceHint":"Ch\xednh s\xe1ch bảo hiểm rủi ro / chủ nh\xe0 hằng năm. Thường được trả v\xe0o t\xe0i khoản k\xfd quỹ với b\xean cho vay của bạn.","calc.hoaFeesMonth":"Ph\xed HOA ($/th\xe1ng)","calc.hoaFeesHint":"Ph\xed cộng đồng / chung cÆ° hằng th\xe1ng, nếu nh\xe0 của bạn c\xf3. Để 0 nếu kh\xf4ng c\xf3.","calc.estimatedMonthlyPayment":"Khoản thanh to\xe1n hằng th\xe1ng ước t\xednh","calc.loanAmountLtv":"Số tiền khoản vay {amount} \xb7 LTV {ltv}%","calc.paymentBreakdownAria":"Chi tiết khoản thanh to\xe1n hằng th\xe1ng: Tiền gốc v\xe0 l\xe3i {pi}, thuế {tax}, bảo hiểm {ins}, HOA {hoa}","calc.totalPerMo":"Tổng / th\xe1ng","calc.lineprincipalInterest":"Tiền gốc v\xe0 l\xe3i","calc.linePiSub":"Khoản thanh to\xe1n khoản vay thá»±c tế","calc.linePropertyTaxes":"Thuế bất động sản","calc.lineTaxSub":"Thuế quận, k\xfd quỹ hằng th\xe1ng","calc.lineHomeInsurance":"Bảo hiểm nh\xe0","calc.lineInsSub":"Ch\xednh s\xe1ch hằng năm / 12","calc.lineHoaFees":"Ph\xed HOA","calc.lineHoaSub":"Ph\xed cộng đồng hằng th\xe1ng","calc.howWeGotThere":"C\xe1ch ch\xfang t\xf4i t\xednh ra","calc.monthlyMath1":"Số tiền khoản vay của bạn l\xe0","calc.monthlyMath2":"({home} gi\xe1 nh\xe0 trừ {down} trả trước).","calc.monthlyMath3":"Ch\xfang t\xf4i khấu hao số đ\xf3 trong {months} th\xe1ng với l\xe3i suất {rate}% để c\xf3 tiền gốc v\xe0 l\xe3i l\xe0","calc.monthlyMath4":"Cộng thuế bất động sản ({rate}% gi\xe1 trị nh\xe0 \xf7 12 =","calc.monthlyMath5":"), bảo hiểm (hằng năm \xf7 12 =","calc.monthlyMath6":"), v\xe0 HOA (","calc.monthlyMath7":"), v\xe0 bạn c\xf3 được","calc.monthlyMath8":" — tổng chi ph\xed của căn nh\xe0.","calc.perMo":"{amount}/th\xe1ng","calc.applyForPreApproval":"Đăng k\xfd ph\xea duyệt sÆ¡ bộ","calc.affordExplainerBody":"T\xednh ngược lại: bắt đầu từ thu nhập v\xe0 c\xe1c khoản nợ hiện c\xf3 của bạn, \xe1p dụng trần DTI (43% th\xf4ng thường, l\xean đến 50% với non-QM), v\xe0 x\xe1c định khoản vay lớn nhất bạn c\xf3 thể g\xe1nh. Sau đ\xf3 cộng khoản trả trước để c\xf3 gi\xe1 mua tối đa.","calc.incomeDebts":"Thu nhập v\xe0 nợ của bạn","calc.grossMonthlyIncome":"Thu nhập hằng th\xe1ng trước thuế ($)","calc.grossMonthlyIncomeHint":"Thu nhập hằng th\xe1ng trước thuế từ mọi nguồn. Hộ gia đ\xecnh c\xf3 hai người kiếm tiền: cộng lại.","calc.monthlyDebtPayments":"Khoản thanh to\xe1n nợ hằng th\xe1ng ($)","calc.monthlyDebtPaymentsHint":"Khoản tối thiểu của vay mua xe, vay sinh vi\xean, thẻ t\xedn dụng, tiền cấp dưỡng — bất cứ thứ g\xec hiển thị tr\xean b\xe1o c\xe1o t\xedn dụng.","calc.cashDownPayment":"Khoản trả trước bằng tiền mặt ($)","calc.cashDownPaymentHint":"Số tiền bạn c\xf3 thể trả l\xfac ho\xe0n tất. C\xe0ng nhiều tiền mặt = căn nh\xe0 tối đa c\xe0ng lớn.","calc.loanProperty":"Khoản vay v\xe0 bất động sản","calc.ratePct":"L\xe3i suất (%)","calc.rateHintAfford":"L\xe3i suất thị trường hiện nay khoảng 6–7% cho khoản vay th\xf4ng thường.","calc.term":"Thời hạn","calc.termHintAfford":"Hầu hết d\xf9ng 30 năm.","calc.propertyTaxRateHintAfford":"Thuế suất hằng năm quận của bạn t\xednh; kiểm tra m\xe3 zip mục ti\xeau của bạn.","calc.insuranceYear":"Bảo hiểm ($/năm)","calc.insuranceHintAfford":"Chi ph\xed ch\xednh s\xe1ch hằng năm. Thường khoảng ~$1,200; c\xe1c khu vá»±c ven biển hoặc dễ ch\xe1y th\xec cao hÆ¡n.","calc.hoaMonth":"HOA ($/th\xe1ng)","calc.hoaHintAfford":"Ph\xed cộng đồng hằng th\xe1ng nếu c\xf3. 0 cho nh\xe0 kh\xf4ng c\xf3 HOA.","calc.dtiCeilingPct":"Trần DTI (%)","calc.dtiCeilingHint":"Tá»· lệ nợ tr\xean thu nhập tối đa m\xe0 b\xean cho vay cho ph\xe9p. 43% th\xf4ng thường, l\xean đến 50% với non-QM mạo hiểm.","calc.youCanAffordUpTo":"Bạn c\xf3 thể đủ khả năng chi trả tối đa","calc.noHeadroomTitle":"ChÆ°a đủ dÆ° địa","calc.noHeadroomBody":"Với ${debts}/th\xe1ng nợ hiện c\xf3, DTI của bạn đ\xe3 đạt hoặc vượt trần {dti}%. H\xe3y thá»­ giảm nợ, tăng thu nhập, hoặc n\xe2ng trần DTI (một số chÆ°Æ¡ng tr\xecnh non-QM l\xean đến 50%).","calc.maxLoanAmount":"Số tiền khoản vay tối đa","calc.monthlyHousingBudget":"Ng\xe2n s\xe1ch nh\xe0 ở hằng th\xe1ng","calc.housingBudgetSub":"{dti}% của {income} − nợ","calc.totalMonthlyPayment":"Tổng khoản thanh to\xe1n hằng th\xe1ng","calc.piTaxInsHoa":"Tiền gốc v\xe0 l\xe3i + thuế + bảo hiểm + HOA","calc.affordMath1":"Thu nhập hằng th\xe1ng trước thuế của bạn l\xe0","calc.affordMath2":"với DTI {dti}% cho bạn","calc.affordMath3":"cho tổng nợ hằng th\xe1ng. Trừ đi","calc.affordMath4":"nợ hiện c\xf3 v\xe0 bạn c\xf2n","calc.affordMath5":"cho nh\xe0 ở. T\xednh ngược qua t

1iền gốc v\xe0 l\xe3i, thuế, bảo hiểm v\xe0 HOA, ch\xfang t\xf4i c\xf3 khoản vay tối đa l\xe0","calc.affordMath6":"; cộng th\xeam khoản","calc.affordMath7":"trả trước để c\xf3 gi\xe1 mua tối đa l\xe0","calc.refiExplainerBody":"X\xe1c định liệu t\xe1i cấp vốn h\xf4m nay c\xf3 thá»±c sá»± gi\xfap bạn tiết kiệm tiền kh\xf4ng. So s\xe1nh tiền gốc v\xe0 l\xe3i hiện tại của bạn với khoản thanh to\xe1n mới, t\xednh đến chi ph\xed ho\xe0n tất, v\xe0 cho bạn biết điểm h\xf2a vốn (bao l\xe2u th\xec khoản tiết kiệm b\xf9 được chi ph\xed t\xe1i cấp vốn).","calc.yourCurrentLoan":"Khoản vay hiện tại của bạn","calc.outstandingBalance":"Số dÆ° c\xf2n nợ ($)","calc.outstandingBalanceHint":"Số bạn đang nợ — t\xecm thấy tr\xean bảng sao k\xea thế chấp mới nhất của bạn.","calc.currentMonthlyPi":"Tiền gốc v\xe0 l\xe3i hằng th\xe1ng hiện tại ($)","calc.currentMonthlyPiHint":"Chỉ tiền gốc + l\xe3i, KH\xd4NG phải tổng khoản thanh to\xe1n thế chấp của bạn. Phần k\xfd quỹ kh\xf4ng thay đổi khi t\xe1i cấp vốn.","calc.monthsRemaining":"Số th\xe1ng c\xf2n lại","calc.monthsRemainingHint":"C\xf2n bao nhi\xeau th\xe1ng trong khoản vay hiện tại của bạn. 360 l\xe0 khoản vay 30 năm ho\xe0n to\xe0n mới.","calc.theRefiOffer":"Đề nghị t\xe1i cấp vốn","calc.newRatePct":"L\xe3i suất mới (%)","calc.newRateHint":"L\xe3i suất bạn được b\xe1o gi\xe1. Thấp hÆ¡n l\xe3i suất hiện tại nghÄ©a l\xe0 tiết kiệm thá»±c sá»±.","calc.newTermMonths":"Thời hạn mới (th\xe1ng)","calc.newTermHint":"Thời hạn của khoản vay mới. 360 = 30 năm; 180 = 15. Đặt lại về 30 năm sẽ giảm khoản thanh to\xe1n nhÆ°ng tốn k\xe9m hÆ¡n về l\xe2u d\xe0i.","calc.closingCosts":"Chi ph\xed ho\xe0n tất ($)","calc.closingCostsHint":"Ph\xed của b\xean cho vay + chi ph\xed b\xean thứ ba. Thường l\xe0 2–5% số tiền khoản vay, trừ khi b\xean cho vay của bạn cung cấp t\xe1i cấp vốn kh\xf4ng tốn ph\xed.","calc.refiMakesSense":"T\xe1i cấp vốn hợp l\xfd","calc.refiBorderline":"Khoan đ\xe3 — trường hợp n\xe0y ở mức ranh giới","calc.refiSkip":"Bỏ qua — khoản thanh to\xe1n tăng l\xean","calc.recommendation":"Khuyến nghị","calc.newMonthlyPi":"Tiền gốc v\xe0 l\xe3i hằng th\xe1ng mới","calc.monthlySavings":"Tiết kiệm hằng th\xe1ng","calc.savingsKeepMore":"Bạn giữ lại được nhiều hÆ¡n mỗi th\xe1ng","calc.savingsHigher":"Khoản thanh to\xe1n mới cao hÆ¡n","calc.breakEven":"Điểm h\xf2a vốn","calc.unitMonthsShort":"{n} th\xe1ng","calc.breakEvenSubRefi":"Số th\xe1ng để thu hồi chi ph\xed ho\xe0n tất","calc.theLifetimeMath":"Ph\xe9p t\xednh trọn đời khoản vay","calc.refiMath1":"Nếu bạn t\xe1i cấp vốn h\xf4m nay v\xe0 trả hết {months} th\xe1ng c\xf2n lại, khoản tiết kiệm r\xf2ng (sau {costs} chi ph\xed ho\xe0n tất) sẽ l\xe0","calc.refiVerdictRefi":"Việc t\xe1i cấp vốn n\xe0y tá»± b\xf9 chi ph\xed từ l\xe2u trước khi khoản vay kết th\xfac — thường l\xe0 t\xedn hiệu đ\xe8n xanh.","calc.refiVerdictWait":"Điểm h\xf2a vốn đến muộn hÆ¡n thời gian bạn dá»± định trả khoản vay n\xe0y. H\xe3y c\xe2n nhắc chờ l\xe3i suất giảm nhiều hÆ¡n hoặc t\xecm g\xf3i t\xe1i cấp vốn kh\xf4ng tốn chi ph\xed ho\xe0n tất.","calc.refiVerdictSkip":"L\xe3i suất mới l\xe0m tăng khoản thanh to\xe1n của bạn — kh\xf4ng c\xf3 kịch bản n\xe0o m\xe0 việc t\xe1i cấp vốn n\xe0y ho\xe0n lại tiền cho bạn.","calc.getRealRefiQuote":"Nhận b\xe1o gi\xe1 t\xe1i cấp vốn thá»±c tế","calc.inputs":"Th\xf4ng tin nhập v\xe0o","calc.loanAmount":"Số tiền khoản vay","calc.parRate":"L\xe3i suất chuẩn (kh\xf4ng điểm)","calc.parRateHint":"L\xe3i suất được ch\xe0o kh\xf4ng c\xf3 điểm chiết khấu.","calc.boughtDownRate":"L\xe3i suất sau khi mua điểm","calc.boughtDownRateHint":"L\xe3i suất thấp hÆ¡n được ch\xe0o nếu bạn trả điểm trước.","calc.pointsAtClosing":"Điểm tại l\xfac ho\xe0n tất","calc.pointsAtClosingHint":"Một điểm = 1% số tiền khoản vay, trả l\xfac ho\xe0n tất.","calc.unitYears":"năm","calc.keepLoanHowLong":"Bạn sẽ giữ khoản vay n\xe0y bao l\xe2u","calc.keepLoanHint":"Th\xf4ng tin quan trọng nhất — điểm chỉ ho\xe0n vốn nếu bạn ở lại đủ l\xe2u.","calc.shouldYouBuyPoints":"Bạn c\xf3 n\xean mua điểm kh\xf4ng?","calc.verdict":"Kết luận","calc.tierStrong":"Chắc chắn n\xean nếu bạn ở lại ≥ {months} th\xe1ng. Ph\xe9p t\xednh vững chắc.","calc.tierViable":"Đ\xe1ng c\xe2n nhắc — bạn h\xf2a vốn ở {months} th\xe1ng. Chỉ mua nếu bạn chắc chắn sẽ ở lại đủ l\xe2u nhÆ° vậy.","calc.tierWeak":"C\xf3 lẽ kh\xf4ng n\xean. Điểm h\xf2a vốn qu\xe1 xa n\xean khoản tiết kiệm kh\xf3 thá»±c sá»± v\xe0o t\xfai bạn.","calc.parMonthlyPi":"Tiền gốc v\xe0 l\xe3i hằng th\xe1ng theo l\xe3i suất chuẩn","calc.boughtDownMonthlyPi":"Tiền gốc v\xe0 l\xe3i hằng th\xe1ng theo l\xe3i suất đ\xe3 mua điểm","calc.buyDownSavingsYes":"Khoản thanh to\xe1n thấp hÆ¡n nhờ mua điểm","calc.buyDownSavingsNo":"Kh\xf4ng tiết kiệm — l\xe3i suất sau khi mua điểm thá»±c ra kh\xf4ng thấp hÆ¡n.","calc.costAtClosing":"Chi ph\xed l\xfac ho\xe0n tất","calc.costAtClosingSub":"{pts} điểm \xd7 {amount}","calc.unitMonths":"{n} th\xe1ng","calc.breakEvenNoRecoup":"Khoản tiết kiệm kh\xf4ng thu hồi được chi ph\xed.","calc.breakEvenSubBuyDown":"Số th\xe1ng cho đến khi khoản thanh to\xe1n thấp hÆ¡n b\xf9 lại chi ph\xed trả trước.","calc.netIfStayOne":"R\xf2ng nếu bạn ở lại {years} năm","calc.netIfStayMany":"R\xf2ng nếu bạn ở lại {years} năm","calc.netPositiveSub":"Số tiền r\xf2ng v\xe0o t\xfai bạn trong khoảng thời gian đ\xf3.","calc.netNegativeSub":"Bạn vẫn chÆ°a h\xf2a vốn.","calc.howItWorks":"C\xe1ch hoạt động","calc.buyDownHowItWorksBody":"Điểm chiết khấu l\xe0 tiền l\xe3i trả trước — bạn đưa tiền cho b\xean cho vay trước, họ cho bạn l\xe3i suất thấp hÆ¡n trong suốt thời hạn khoản vay. Khoản thanh to\xe1n thấp hÆ¡n gi\xfap bạn tiết kiệm tiền mỗi th\xe1ng, nhÆ°ng chỉ sau khi bạn đ\xe3 b\xf9 được chi ph\xed trả trước. Điểm h\xf2a vốn l\xe0 khi khoản tiết kiệm t\xedch lÅ©y bằng số tiền bạn đ\xe3 trả cho điểm. Nếu bạn b\xe1n hoặc t\xe1i cấp vốn trước đ\xf3, bạn sẽ lỗ tiền.","calc.glossaryTitle":"Thế chấp căn bản — c\xe1c thuật ngữ ch\xednh d\xf9ng ở tr\xean","calc.glossaryTapToExpand":"Chạm để mở rộng. {count} thuật ngữ.","calc.glossary_pi_term":"Tiền gốc v\xe0 l\xe3i (P&I)","calc.glossary_pi_def":"Khoản thanh to\xe1n khoản vay thá»±c tế — số bạn nợ b\xean cho vay mỗi th\xe1ng cho số tiền bạn đ\xe3 vay. Kh\xf4ng bao gồm thuế hay bảo hiểm.","calc.glossary_escrow_term":"K\xfd quỹ (Escrow)","calc.glossary_escrow_def":"Một t\xe0i khoản ri\xeang m\xe0 b\xean cho vay d\xf9ng để thu thuế bất động sản + bảo hiểm chủ nh\xe0 c\xf9ng mỗi khoản thanh to\xe1n thế chấp, rồi thanh to\xe1n c\xe1c h\xf3a đơn thay bạn.","calc.glossary_dti_term":"DTI (Tá»· lệ nợ tr\xean thu nhập)","calc.glossary_dti_def":"Tổng khoản thanh to\xe1n nợ hằng th\xe1ng \xf7 thu nhập hằng th\xe1ng trước thuế. B\xean cho vay giới hạn ở 43% th\xf4ng thường / 50% với c\xe1c chÆ°Æ¡ng tr\xecnh non-QM mạo hiểm.","calc.glossary_ltv_term":"LTV (Tá»· lệ vay tr\xean gi\xe1 trị)","calc.glossary_ltv_def":"Số tiền khoản vay \xf7 gi\xe1 trị nh\xe0. 80% LTV = 20% trả trước. LTV thấp hÆ¡n thường c\xf3 nghÄ©a l\xe0 l\xe3i suất tốt hÆ¡n.","calc.glossary_pmi_term":"PMI (Bảo hiểm thế chấp tÆ° nh\xe2n)","calc.glossary_pmi_def":"Bắt buộc khi bạn trả trước dưới 20% với khoản vay th\xf4ng thường. Phụ ph\xed khoảng ~0,3–1,5% khoản vay/năm; tá»± động chấm dứt khi bạn đạt 78% LTV.","calc.glossary_apr_term":"APR","calc.glossary_apr_def":"L\xe3i suất + ph\xed của b\xean cho vay được thể hiện th\xe0nh một tá»· lệ phần trăm háº

1±ng năm duy nhất. Lu\xf4n cao hÆ¡n l\xe3i suất ni\xeam yết; phần ch\xeanh lệch chủ yếu l\xe0 chi ph\xed ho\xe0n tất được khấu hao.","calc.glossary_lock_term":"Kh\xf3a l\xe3i suất (Lock)","calc.glossary_lock_def":'Sau khi bạn chấp nhận c\xe1c điều khoản, chuy\xean vi\xean khoản vay sẽ "kh\xf3a" l\xe3i suất để n\xf3 kh\xf4ng thể thay đổi bất lợi cho bạn trong khi hồ sÆ¡ ho\xe0n tất. Kh\xf3a l\xe3i suất thường k\xe9o d\xe0i 30–60 ng\xe0y.',"calc.glossary_breakEven_term":"Điểm h\xf2a vốn","calc.glossary_breakEven_def":"Cần bao nhi\xeau th\xe1ng tiết kiệm từ t\xe1i cấp vốn để thu hồi chi ph\xed ho\xe0n tất của việc t\xe1i cấp vốn. T\xe1i cấp vốn hợp l\xfd khi bạn dá»± định giữ khoản vay l\xe2u hÆ¡n nhiều so với điểm h\xf2a vốn.","calc.glossary_loanTypes_term":"Th\xf4ng thường so với FHA / VA / USDA","calc.glossary_loanTypes_def":"Khoản vay th\xf4ng thường tu\xe2n theo quy tắc của Fannie/Freddie. FHA chấp nhận điểm t\xedn dụng thấp hÆ¡n; VA d\xe0nh cho cá»±u binh (kh\xf4ng cần trả trước); USDA d\xe0nh cho khu vá»±c n\xf4ng th\xf4n kh\xf4ng cần trả trước. Mỗi loại c\xf3 trần DTI v\xe0 quy tắc PMI kh\xe1c nhau.","legal.eyebrow":"Unified Loan System \xb7 Ph\xe1p l\xfd","legal.tocAriaLabel":"Mục lục","legal.tocContents":"Nội dung","legal.lastUpdatedLabel":"Cập nhật lần cuối:","legal.seeAlso":"Xem th\xeam","legal.and":"v\xe0","legal.masterSaasAgreement":"Thỏa thuận SaaS Tổng thể","legal.dataProcessingAgreement":"Thỏa thuận Xá»­ l\xfd Dữ liệu","legal.smsTermsLink":"Điều khoản SMS","legal.termsTitle":"Điều khoản Dịch vụ","legal.termsLastUpdated":"Cập nhật lần cuối: ng\xe0y 21 th\xe1ng 5 năm 2026.","legal.termsTocAgreement":"1. Chấp thuận Điều khoản","legal.termsTocIpRights":"2. Quyền Sở hữu Tr\xed tuệ","legal.termsTocUserRepresentations":"3. Cam đoan của Người d\xf9ng","legal.termsTocLendingServices":"4. Dịch vụ Cho vay","legal.termsTocSmsProgram":"5. ChÆ°Æ¡ng tr\xecnh SMS","legal.termsTocTermination":"6. Chấm dứt","legal.termsTocModifications":"7. Sá»­a đổi v\xe0 Gi\xe1n đoạn","legal.termsAgreementHeading":"1. Chấp thuận Điều khoản","legal.termsAgreementBody":"C\xe1c Điều khoản Dịch vụ n\xe0y tạo th\xe0nh một thỏa thuận r\xe0ng buộc về mặt ph\xe1p l\xfd giữa bạn, d\xf9 với tÆ° c\xe1ch c\xe1 nh\xe2n hay đại diện cho một tổ chức (“bạn”), v\xe0 Unified Loan System (“ch\xfang t\xf4i” hoặc “của ch\xfang t\xf4i”), li\xean quan đến việc bạn truy cập v\xe0 sá»­ dụng trang web v\xe0 dịch vụ của ch\xfang t\xf4i. Bằng việc truy cập trang web, bạn x\xe1c nhận rằng bạn đ\xe3 đọc, hiểu v\xe0 đồng \xfd chịu sá»± r\xe0ng buộc của to\xe0n bộ c\xe1c Điều khoản Dịch vụ n\xe0y.","legal.termsIpRightsHeading":"2. Quyền Sở hữu Tr\xed tuệ","legal.termsIpRightsBody":"Trừ khi c\xf3 quy định kh\xe1c, Trang web l\xe0 t\xe0i sản độc quyền của ch\xfang t\xf4i v\xe0 to\xe0n bộ m\xe3 nguồn, cÆ¡ sở dữ liệu, chức năng, phần mềm, thiết kế trang web, \xe2m thanh, video, văn bản, h\xecnh ảnh v\xe0 đồ họa tr\xean Trang web (gọi chung l\xe0 “Nội dung”) c\xf9ng c\xe1c nh\xe3n hiệu, nh\xe3n hiệu dịch vụ v\xe0 logo c\xf3 trong đ\xf3 (“Nh\xe3n hiệu”) đều thuộc sở hữu hoặc kiểm so\xe1t của ch\xfang t\xf4i hoặc được cấp ph\xe9p cho ch\xfang t\xf4i, v\xe0 được bảo vệ bởi luật bản quyền v\xe0 luật nh\xe3n hiệu.","legal.termsUserRepresentationsHeading":"3. Cam đoan của Người d\xf9ng","legal.termsUserRepresentationsIntro":"Bằng việc sá»­ dụng Trang web, bạn cam đoan v\xe0 bảo đảm rằng:","legal.termsUserRepresentationsItem1":"Mọi th\xf4ng tin đăng k\xfd bạn cung cấp sẽ l\xe0 đ\xfang sá»± thật, ch\xednh x\xe1c, hiện h\xe0nh v\xe0 đầy đủ.","legal.termsUserRepresentationsItem2":"Bạn sẽ duy tr\xec t\xednh ch\xednh x\xe1c của th\xf4ng tin đ\xf3 v\xe0 kịp thời cập nhật th\xf4ng tin đăng k\xfd khi cần thiết.","legal.termsUserRepresentationsItem3":"Bạn c\xf3 năng lá»±c ph\xe1p l\xfd v\xe0 đồng \xfd tu\xe2n thủ c\xe1c Điều khoản Dịch vụ n\xe0y.","legal.termsUserRepresentationsItem4":"Bạn sẽ kh\xf4ng truy cập Trang web bằng phÆ°Æ¡ng tiện tá»± động hoặc phi con người, d\xf9 th\xf4ng qua bot, script hay c\xe1ch kh\xe1c.","legal.termsLendingServicesHeading":"4. Dịch vụ Cho vay","legal.termsLendingServicesBody":"Unified Loan System cung cấp nền tảng để c\xe1c nh\xe0 m\xf4i giới thế chấp nộp v\xe0 quản l\xfd hồ sÆ¡ khoản vay. Ch\xfang t\xf4i kh\xf4ng phải l\xe0 ng\xe2n h\xe0ng hay b\xean cho vay trá»±c tiếp. Mọi ph\xea duyệt khoản vay đều t\xf9y thuộc v\xe0o c\xe1c điều kiện thẩm định v\xe0 x\xe1c minh cuối c\xf9ng do b\xean cho vay cấp vốn x\xe1c định.","legal.termsSmsProgramHeading":"5. 

1ChÆ°Æ¡ng tr\xecnh SMS","legal.termsSmsIntro":"Unified Loan System gá»­i tin nhắn SMS giao dịch — bao gồm m\xe3 x\xe1c thá»±c hai yếu tố, cảnh b\xe1o bảo mật, cập nhật trạng th\xe1i khoản vay, y\xeau cầu t\xe0i liệu, li\xean kết k\xfd điện tá»­ v\xe0 th\xf4ng b\xe1o ho\xe0n tất — đến những người d\xf9ng đ\xe3 chủ động đồng \xfd tham gia bằng c\xe1ch cung cấp số điện thoại di động v\xe0 đ\xe1nh dấu v\xe0o \xf4 đồng \xfd nhận SMS khi đăng k\xfd, trong phần c\xe0i đặt t\xe0i khoản hoặc nhÆ° một phần của hồ sÆ¡ khoản vay. Ch\xfang t\xf4i kh\xf4ng gá»­i SMS tiếp thị hay quảng c\xe1o.","legal.termsSmsOptOutLabel":"Hủy đăng k\xfd:","legal.termsSmsOptOutBefore":"Nhắn","legal.termsSmsOptOutMiddle":"đến bất kỳ tin SMS n\xe0o của Unified Loan System để hủy c\xe1c tin nhắn trong tÆ°Æ¡ng lai. Nhắn","legal.termsSmsOptOutHelp":"để được trợ gi\xfap, hoặc truy cập","legal.termsSmsOptOutOrEmail":"hoặc gá»­i email đến","legal.termsSmsRatesLabel":"C\xf3 thể \xe1p dụng cước tin nhắn v\xe0 dữ liệu.","legal.termsSmsRatesBody":"Unified Loan System kh\xf4ng t\xednh ph\xed cho SMS, nhÆ°ng nh\xe0 mạng của bạn c\xf3 thể t\xednh ph\xed cho tin nhắn gá»­i hoặc nhận t\xf9y theo g\xf3i cước của bạn.","legal.termsSmsCarriersLabel":"C\xe1c nh\xe0 mạng kh\xf4ng chịu tr\xe1ch nhiệm về tin nhắn bị chậm trễ hoặc kh\xf4ng gá»­i được.","legal.termsSmsCarriersBody":"Việc gá»­i bất kỳ tin nhắn ri\xeang lẻ n\xe0o đều kh\xf4ng được bảo đảm. Xem đầy đủ","legal.termsSmsCommunicationsTermsLink":"Điều khoản Li\xean lạc SMS","legal.termsSmsCarriersAfter":"để biết tần suất, c\xe1c nh\xe0 mạng được hỗ trợ, việc thu hồi đồng \xfd v\xe0 th\xf4ng tin li\xean hệ.","legal.termsTerminationHeading":"6. Chấm dứt","legal.termsTerminationBody":"Ch\xfang t\xf4i c\xf3 thể chấm dứt hoặc đ\xecnh chỉ t\xe0i khoản của bạn v\xe0 chặn quyền truy cập Dịch vụ ngay lập tức, m\xe0 kh\xf4ng cần th\xf4ng b\xe1o trước hoặc chịu tr\xe1ch nhiệm ph\xe1p l\xfd, theo to\xe0n quyền quyết định của ch\xfang t\xf4i, v\xec bất kỳ l\xfd do n\xe0o v\xe0 kh\xf4ng giới hạn, bao gồm nhÆ°ng kh\xf4ng giới hạn ở việc vi phạm Điều khoản.","legal.termsModificationsHeading":"7. Sá»­a đổi v\xe0 Gi\xe1n đoạn","legal.termsModificationsBody":"Ch\xfang t\xf4i c\xf3 quyền thay đổi, sá»­a đổi hoặc x\xf3a bỏ nội dung của Trang web bất cứ l\xfac n\xe0o hoặc v\xec bất kỳ l\xfd do n\xe0o theo to\xe0n quyền quyết định của ch\xfang t\xf4i m\xe0 kh\xf4ng cần th\xf4ng b\xe1o. Ch\xfang t\xf4i sẽ kh\xf4ng chịu tr\xe1ch nhiệm với bạn hoặc bất kỳ b\xean thứ ba n\xe0o về bất kỳ sá»­a đổi, thay đổi gi\xe1, đ\xecnh chỉ hoặc ngừng cung cấp Trang web.","legal.privacyLastUpdated":"Cập nhật lần cuối: ng\xe0y 2 th\xe1ng 6 năm 2026.","legal.privacyFirstLabel":"Quyền Ri\xeang tÆ° của Bạn l\xe0 Tr\xean hết","legal.privacyFirstBody":"Unified Loan System sẽ kh\xf4ng bao giờ b\xe1n, cho thu\xea hoặc chia sẻ số điện thoại di động hay dữ liệu đồng \xfd nhận SMS của bạn với b\xean thứ ba hoặc c\xe1c đối t\xe1c tiếp thị. Việc đồng \xfd nhận SMS được giữ b\xed mật tuyệt đối v\xe0 chỉ được d\xf9ng để gá»­i c\xe1c tin nhắn giao dịch m\xe0 bạn đ\xe3 y\xeau cầu r\xf5 r\xe0ng.","legal.privacyTocIntroduction":"1. Giới thiệu","legal.privacyTocInfoCollect":"2. Th\xf4ng tin Ch\xfang t\xf4i Thu thập","legal.privacyTocHowWeUse":"3. C\xe1ch Ch\xfang t\xf4i Sá»­ dụng Th\xf4ng tin cá»

1§a Bạn","legal.privacyTocSharing":"4. Chia sẻ Th\xf4ng tin của Bạn","legal.privacyTocDataSecurity":"5. Bảo mật Dữ liệu","legal.privacyTocMobileSms":"6. Th\xf4ng tin Di động & Dữ liệu SMS","legal.privacyTocGoogleData":"7. Dữ liệu Người d\xf9ng Google","legal.privacyTocContact":"8. Li\xean hệ với Ch\xfang t\xf4i","legal.privacyIntroHeading":"1. Giới thiệu","legal.privacyIntroBody":"Ch\xe0o mừng bạn đến với Unified Loan System (“ch\xfang t\xf4i” hoặc “của ch\xfang t\xf4i”). Ch\xfang t\xf4i cam kết bảo vệ th\xf4ng tin c\xe1 nh\xe2n v\xe0 quyền ri\xeang tÆ° của bạn. Ch\xednh s\xe1ch Quyền ri\xeang tÆ° n\xe0y giải th\xedch c\xe1ch ch\xfang t\xf4i thu thập, sá»­ dụng, tiết lộ v\xe0 bảo vệ th\xf4ng tin của bạn khi bạn truy cập trang web v\xe0 sá»­ dụng dịch vụ của ch\xfang t\xf4i.","legal.privacyInfoCollectHeading":"2. Th\xf4ng tin Ch\xfang t\xf4i Thu thập","legal.privacyInfoCollectIntro":"Ch\xfang t\xf4i thu thập th\xf4ng tin m\xe0 bạn tá»± nguyện cung cấp cho ch\xfang t\xf4i khi bạn:","legal.privacyInfoCollectItem1":"Đăng k\xfd tr\xean trang web","legal.privacyInfoCollectItem2":"Nộp hồ sÆ¡ khoản vay hoặc t\xe0i liệu","legal.privacyInfoCollectItem3":"Li\xean hệ với ch\xfang t\xf4i để được hỗ trợ","legal.privacyInfoCollectItem4":"Tham gia khảo s\xe1t hoặc chÆ°Æ¡ng tr\xecnh khuyến m\xe3i","legal.privacyInfoCollectBody":"Th\xf4ng tin n\xe0y c\xf3 thể bao gồm t\xean, địa chỉ email, số điện thoại, th\xf4ng tin t\xe0i ch\xednh v\xe0 chi tiết việc l\xe0m cần thiết cho việc xá»­ l\xfd khoản vay.","legal.privacyHowWeUseHeading":"3. C\xe1ch Ch\xfang t\xf4i Sá»­ dụng Th\xf4ng tin cá»

1§a Bạn","legal.privacyHowWeUseIntro":"Ch\xfang t\xf4i sá»­ dụng th\xf4ng tin thu thập hoặc nhận được để:","legal.privacyHowWeUseItem1":"Hỗ trợ việc tạo t\xe0i khoản v\xe0 qu\xe1 tr\xecnh đăng nhập","legal.privacyHowWeUseItem2":"Xá»­ l\xfd hồ sÆ¡ khoản vay v\xe0 thẩm định","legal.privacyHowWeUseItem3":"Gá»­i cho bạn th\xf4ng tin quản trị","legal.privacyHowWeUseItem4":"Bảo vệ dịch vụ v\xe0 quyền hợp ph\xe1p của ch\xfang t\xf4i","legal.privacyHowWeUseItem5":"Phản hồi c\xe1c y\xeau cầu ph\xe1p l\xfd v\xe0 ngăn ngừa thiệt hại","legal.privacySharingHeading":"4. Chia sẻ Th\xf4ng tin của Bạn","legal.privacySharingBefore":"Ch\xfang t\xf4i c\xf3 thể chia sẻ th\xf4ng tin với c\xe1c b\xean thứ ba thá»±c hiện dịch vụ cho ch\xfang t\xf4i hoặc thay mặt ch\xfang t\xf4i, bao gồm ph\xe2n t\xedch dữ liệu, gá»­i email, dịch vụ lÆ°u trữ, dịch vụ kh\xe1ch h\xe0ng v\xe0 hỗ trợ tiếp thị. Ch\xfang t\xf4i kh\xf4ng b\xe1n th\xf4ng tin c\xe1 nh\xe2n của bạn cho b\xean thứ ba phục vụ mục đ\xedch tiếp thị ri\xeang của họ. Xem","legal.privacySharingSubProcessorLink":"danh s\xe1ch b\xean xá»­ l\xfd phụ","legal.privacySharingAfter":"để biết c\xe1c nh\xe0 cung cấp cụ thể m\xe0 ch\xfang t\xf4i hợp t\xe1c.","legal.privacyDataSecurityHeading":"5. Bảo mật Dữ liệu","legal.privacyDataSecurityBody":"Ch\xfang t\xf4i sá»­ dụng c\xe1c biện ph\xe1p bảo mật về h\xe0nh ch\xednh, kỹ thuật v\xe0 vật l\xfd để gi\xfap bảo vệ th\xf4ng tin c\xe1 nh\xe2n của bạn. Mặc d\xf9 ch\xfang t\xf4i đ\xe3 thá»±c hiện c\xe1c bước hợp l\xfd để bảo mật th\xf4ng tin c\xe1 nh\xe2n m\xe0 bạn cung cấp, xin lÆ°u \xfd rằng d\xf9 đ\xe3 nỗ lá»±c, kh\xf4ng c\xf3 biện ph\xe1p bảo mật n\xe0o l\xe0 ho\xe0n hảo hoặc bất khả x\xe2m phạm, v\xe0 kh\xf4ng phÆ°Æ¡ng thức truyền dữ liệu n\xe0o c\xf3 thể được bảo đảm chống lại mọi sá»± đ\xe1nh chặn hoặc h\xecnh thức lạm dụng kh\xe1c.","legal.privacyMobileSmsHeading":"6. Th\xf4ng tin Di động & Dữ liệu SMS","legal.privacyMobileSmsBody1":"Nếu bạn cung cấp số điện thoại di động v\xe0 chủ động đồ

1ng \xfd nhận tin nhắn SMS khi đăng k\xfd, trong phần c\xe0i đặt t\xe0i khoản hoặc như một phần của hồ sơ khoản vay, Unified Loan System sẽ gửi cho bạn c\xe1c tin nhắn văn bản giao dịch li\xean quan đến t\xe0i khoản v\xe0 hồ sơ khoản vay đang hoạt động của bạn (m\xe3 x\xe1c thực, cập nhật trạng th\xe1i khoản vay, y\xeau cầu k\xfd điện tử v\xe0 cảnh b\xe1o bảo mật t\xe0i khoản).","legal.privacyMobileSmsBody2":"Kh\xf4ng c\xf3 th\xf4ng tin di động n\xe0o được chia sẻ với b\xean thứ ba/đối t\xe1c v\xec mục đ\xedch tiếp thị/quảng c\xe1o. Tất cả c\xe1c loại tr\xean đều loại trừ dữ liệu đồng \xfd v\xe0 chấp thuận của người gửi tin nhắn văn bản; th\xf4ng tin n\xe0y sẽ kh\xf4ng được chia sẻ với bất kỳ b\xean thứ ba n\xe0o.","legal.privacyMobileSmsBefore":"Xem","legal.privacyMobileSmsAfter":"để biết m\xf4 tả đầy đủ về chương tr\xecnh tin nhắn, từ kh\xf3a hủy đăng k\xfd, tần suất, c\xe1c nh\xe0 mạng được hỗ trợ v\xe0 chi tiết thu hồi đồng \xfd.","legal.privacyGoogleDataHeading":"7. Dữ liệu Người d\xf9ng Google","legal.privacyGoogleDataGmailBefore":"Khi bạn kết nối t\xe0i khoản Google, Unified Loan System y\xeau cầu quyền truy cập chỉ đọc v\xe0o Gmail của bạn","legal.privacyGoogleDataCalendarBefore":"v\xe0 quyền truy cập v\xe0o c\xe1c sự kiện tr\xean Google Calendar của bạn","legal.privacyGoogleDataUsage":"Ch\xfang t\xf4i sử dụng quyền truy cập chỉ đọc Gmail chỉ để nhập một mẫu c\xe1c email gần đ\xe2y do ch\xednh bạn gửi nhằm huấn luyện m\xf4 h\xecnh phong c\xe1ch viết được c\xe1 nh\xe2n h\xf3a, để trợ l\xfd AI của ch\xfang t\xf4i c\xf3 thể soạn tin nhắn theo giọng văn của bạn; ch\xfang t\xf4i kh\xf4ng bao giờ gửi, sửa đổi hoặc x\xf3a email của bạn. Ch\xfang t\xf4i sử dụng quyền truy cập Lịch chỉ để tạo v\xe0 đọc c\xe1c sự kiện nhằm l\xean lịch trong quy tr\xecnh khoản vay của bạn.","legal.privacyGoogleDataAdheresBefore":"Việc sử dụng v\xe0 chuyển giao th\xf4ng tin nhận được từ c\xe1c API của Google của Unified Loan System tu\xe2n thủ","legal.privacyGoogleDataPolicyLink":"Ch\xednh s\xe1ch Dữ liệu Người d\xf9ng của Dịch vụ API Google","legal.privacyGoogleDataAdheresAfter":", bao gồm cả c\xe1c y\xeau cầu Sử dụng Giới hạn.","legal.privacyGoogleDataNoSell":"Ch\xfang t\xf4i kh\xf4ng b\xe1n dữ liệu người d\xf9ng Google, kh\xf4ng sử dụng cho quảng c\xe1o hay chuyển giao cho b\xean kh\xe1c, ngoại trừ để cung cấp c\xe1c t\xednh năng n\xe0y, tu\xe2n thủ luật hiện h\xe0nh hoặc như một phần của việc s\xe1p nhập hay mua lại. Bạn c\xf3 thể thu hồi quyền truy cập bất cứ l\xfac n\xe0o bằng c\xe1ch ngắt kết nối Google trong phần c\xe0i đặt hoặc th\xf4ng qua quyền hạn T\xe0i khoản Google của bạn, điều n\xe0y sẽ x\xf3a c\xe1c mẫu email đ\xe3 lưu trữ.","legal.privacyContactHeading":"8. Li\xean hệ với Ch\xfang t\xf4i","legal.privacyContactBefore":"Nếu bạn c\xf3 c\xe2u hỏi hoặc \xfd kiến về ch\xednh s\xe1ch n\xe0y, vui l\xf2ng gửi email cho ch\xfang t\xf4i tại","legal.cookieTitle":"Ch\xednh s\xe1ch Cookie","legal.cookieUseHeading":"1. Sử dụng Cookie","legal.cookieUseBody":"Unified Loan System sử dụng cookie để cải thiện trải nghiệm của bạn tr\xean trang web của ch\xfang t\xf4i. Cookie l\xe0 c\xe1c tệp văn bản được đặt tr\xean m\xe1y t\xednh của bạn để thu thập th\xf4ng tin nhật k\xfd Internet ti\xeau chuẩn v\xe0 th\xf4ng tin về h\xe0nh vi của kh\xe1ch truy cập. Khi bạn truy cập c\xe1c trang web của ch\xfang t\xf4i, ch\xfang t\xf4i c\xf3 thể tự động thu thập th\xf4ng tin từ bạn th\xf4ng qua cookie hoặc c\xf4ng nghệ tương tự.","legal.cookieHowHeading":"2. C\xe1ch Ch\xfang t\xf4i Sử dụng Cookie","legal.cookieHowIntro":"Ch\xfang t\xf4i sử dụng cookie theo nhiều c\xe1ch để cải thiện trải nghiệm của bạn tr\xean trang web của ch\xfang t\xf4i, bao gồm:","legal.cookieHowItem1":"Giữ bạn lu\xf4n đăng nhập","legal.cookieHowItem2":"Hiểu c\xe1ch bạn sử dụng trang web của ch\xfang t\xf4i","legal.cookieHowItem3":"Lưu c\xe1c t\xf9y chọn của bạn","legal.cookieTypesHeading":"3. C\xe1c Loại Cookie Ch\xfang t\xf4i Sử dụng","legal.cookieFunctionalityHeading":"Chức năng","legal.cookieFunctionalityBo

1dy":"C\xf4ng ty ch\xfang t\xf4i sá»­ dụng c\xe1c cookie n\xe0y để nhận diện bạn tr\xean trang web của ch\xfang t\xf4i v\xe0 ghi nhớ c\xe1c t\xf9y chọn bạn đ\xe3 chọn trước đ\xf3. Những t\xf9y chọn n\xe0y c\xf3 thể bao gồm ng\xf4n ngữ bạn Æ°a th\xedch v\xe0 vị tr\xed của bạn.","legal.cookieSecurityHeading":"Bảo mật","legal.cookieSecurityBody":"Ch\xfang t\xf4i sá»­ dụng cookie bảo mật để x\xe1c thá»±c người d\xf9ng, ngăn chặn việc sá»­ dụng gian lận th\xf4ng tin đăng nhập v\xe0 bảo vệ dữ liệu người d\xf9ng khỏi c\xe1c b\xean tr\xe1i ph\xe9p.","legal.cookieManagingHeading":"4. Quản l\xfd Cookie","legal.cookieManagingBody":"Bạn c\xf3 thể thiết lập tr\xecnh duyệt của m\xecnh để kh\xf4ng chấp nhận cookie. Tuy nhi\xean, trong một số trường hợp, một số t\xednh năng tr\xean trang web của ch\xfang t\xf4i c\xf3 thể kh\xf4ng hoạt động do điều n\xe0y.","legal.disclaimerTitle":"Tuy\xean bố Miễn trừ Tr\xe1ch nhiệm","legal.disclaimerWebsiteHeading":"1. Tuy\xean bố Miễn trừ Tr\xe1ch nhiệm của Trang web","legal.disclaimerWebsiteBody":'Th\xf4ng tin do Unified Loan System ("ch\xfang t\xf4i" hoặc "của ch\xfang t\xf4i") cung cấp tr\xean trang web n\xe0y chỉ nhằm mục đ\xedch th\xf4ng tin chung. Mọi th\xf4ng tin tr\xean Trang web đều được cung cấp một c\xe1ch thiện ch\xed, tuy nhi\xean ch\xfang t\xf4i kh\xf4ng đưa ra bất kỳ tuy\xean bố hay bảo đảm n\xe0o, d\xf9 r\xf5 r\xe0ng hay ngụ \xfd, về t\xednh ch\xednh x\xe1c, đầy đủ, hợp lệ, đ\xe1ng tin cậy, sẵn c\xf3 hoặc đầy đủ của bất kỳ th\xf4ng tin n\xe0o tr\xean Trang web.',"legal.disclaimerFinancialHeading":"2. Tuy\xean bố Miễn trừ Tr\xe1ch nhiệm về T\xe0i ch\xednh","legal.disclaimerFinancialBody":"Trang web kh\xf4ng chứa lời khuy\xean t\xe0i ch\xednh. Th\xf4ng tin t\xe0i ch\xednh chỉ được cung cấp nhằm mục đ\xedch th\xf4ng tin v\xe0 gi\xe1o dục chung v\xe0 kh\xf4ng thể thay thế cho lời khuy\xean chuy\xean m\xf4n. Trước khi thá»±c hiện bất kỳ h\xe0nh động n\xe0o dá»±a tr\xean th\xf4ng tin đ\xf3, ch\xfang t\xf4i khuyến kh\xedch bạn tham khảo \xfd kiến của c\xe1c chuy\xean gia ph\xf9 hợp. Ch\xfang t\xf4i kh\xf4ng cung cấp bất kỳ loại lời khuy\xean t\xe0i ch\xednh n\xe0o. VIỆC SỬ DỤNG HOẶC Dá»°A V\xc0O BẤT KỲ TH\xd4NG TIN N\xc0O TR\xcaN TRANG WEB HO\xc0N TO\xc0N DO BẠN Tá»° CHỊU RỦI RO.","legal.disclaimerExternalLinksHeading":"3. Tuy\xean bố Miễn trừ Tr\xe1ch nhiệm về Li\xean kết B\xean ngo\xe0i","legal.disclaimerExternalLinksBody":"Trang web c\xf3 thể chứa (hoặc bạn c\xf3 thể được chuyển hướng qua Trang web đến) c\xe1c li\xean kết đến c\xe1c trang web hoặc nội dung kh\xe1c thuộc về hoặc bắt nguồn từ b\xean thứ ba, hoặc c\xe1c li\xean kết đến c\xe1c trang web v\xe0 t\xednh năng trong biểu ngữ hoặc quảng c\xe1o kh\xe1c. C\xe1c li\xean kết b\xean ngo\xe0i nhÆ° vậy kh\xf4ng được ch\xfang t\xf4i điều tra, gi\xe1m s\xe1t hoặc kiểm tra về t\xednh ch\xednh x\xe1c, đầy đủ, hợp lệ, đ\xe1ng tin cậy, sẵn c\xf3 hoặc đầy đủ.","mktg.featuresHeroEyebrow":"T\xednh năng nền tảng","mktg.featuresHeroTitleLine1":"Mọi thứ bạn cần","mktg.featuresHeroTitleLine2":"để ho\xe0n tất nhanh hÆ¡n","mktg.featuresHeroSubtitle":"Một nền tảng bao qu\xe1t to\xe0n bộ v\xf2ng đời khởi tạo khoản vay — thẩm định bằng AI, x\xe1c minh t\xe0i liệu, tu\xe2n thủ, k\xfd điện tá»­ v\xe0 CRM. Kh\xf4ng cần bất kỳ tiện \xedch bổ sung n\xe0o.","mktg.featAiCategory":"AI & Thẩm định","mktg.featAiHeadline":"Thẩm định hỗ trợ bởi AI","mktg.featAiSubhead":"Nhận quyết định ngay lập tức — kh\xf4ng phải chờ h\xe0ng giờ.","mktg.featAiDesc":"C\xf4ng cụ AI của ch\xfang t\xf4i ph\xe2n t\xedch h\xe0ng ngh\xecn điểm dữ liệu theo thời gian thá»±c để cung cấp ph\xea duyệt sÆ¡ bộ ch\xednh x\xe1c v\xe0 n\xeau r\xf5 c\xe1c điều kiện ngay từ đầu. Đừng chờ chuy\xean vi\xean thẩm định nhấc m\xe1y.","mktg.featAiBullet1":"ThÆ° ph\xea duyệt sÆ¡ bộ tức th\xec k\xe8m danh s\xe1ch điều kiện đầy đủ","mktg.featAiBullet2":"Tá»± động tạo STIP gắn với c\xe1c trường c\xf2n thiếu tr\xean mẫu 1003","mktg.featAiBullet3":"M\xf4 phỏng kết quả AUS cá»

1§a DU/LP trước khi nộp thá»±c tế","mktg.featAiBullet4":"Chấm điểm rủi ro k\xe8m l\xfd giải c\xf3 thể giải th\xedch cho từng khoản vay","mktg.featDocsCategory":"T\xe0i liệu","mktg.featDocsHeadline":"X\xe1c minh t\xe0i liệu bằng mạng nÆ¡-ron","mktg.featDocsSubhead":"Đừng đọc PDF thủ c\xf4ng nữa.","mktg.featDocsDesc":"Quy tr\xecnh OCR của ch\xfang t\xf4i đọc phiếu lÆ°Æ¡ng, mẫu W-2, 1099, tờ khai thuế v\xe0 sao k\xea ng\xe2n h\xe0ng. Hệ thống đối chiếu dữ liệu tr\xedch xuất với mẫu 1003 v\xe0 tá»± động đ\xe1nh dấu mọi sai lệch.","mktg.featDocsBullet1":"OCR đồng thuận hai nh\xe0 cung cấp (Textract + Gemini Vision)","mktg.featDocsBullet2":"Độ ch\xednh x\xe1c 99.7% tr\xean t\xe0i liệu r\xf5 r\xe0ng, dá»± ph\xf2ng linh hoạt với trường hợp kh\xf3","mktg.featDocsBullet3":"Chụp mặt trước v\xe0 mặt sau giấy tờ t\xf9y th\xe2n k\xe8m qu\xe9t m\xe3 vạch AAMVA","mktg.featDocsBullet4":"Giao diện x\xe1c minh trước khi lÆ°u — xem dữ liệu tr\xedch xuất trước khi đưa v\xe0o hồ sÆ¡ khoản vay","mktg.featPipelineCategory":"Quy tr\xecnh","mktg.featPipelineHeadline":"Khởi tạo khoản vay to\xe0n diện","mktg.featPipelineSubhead":"To\xe0n bộ quy tr\xecnh của bạn, một bảng điều khiển.","mktg.featPipelineDesc":"Từ mẫu 1003 cho kh\xe1ch đến k\xfd điện tá»­ v\xe0 b\xe0n giao cho b\xean cho vay — to\xe0n bộ quy tr\xecnh khởi tạo đều c\xf3 trong Unified Loan System. Kh\xf4ng cần bảng t\xednh, kh\xf4ng chuỗi email, kh\xf4ng cần LOS b\xean thứ ba.","mktg.featPipelineBullet1":"Quy tr\xecnh Kanban với theo d\xf5i trạng th\xe1i theo thời gian thá»±c","mktg.featPipelineBullet2":"K\xfd điện tá»­ nội bộ (PAdES) — kh\xf4ng t\xednh ph\xed DocuSign theo từng bộ","mktg.featPipelineBullet3":"Xuất MISMO 3.4 cho b\xean cho vay đến UWM v\xe0 c\xe1c b\xean cho vay b\xe1n bu\xf4n kh\xe1c","mktg.featPipelineBullet4":"Nhật k\xfd kiểm to\xe1n k\xfd điện tá»­: IP, dấu thời gian, trường đ\xe3 k\xfd cho mỗi sá»± kiện","mktg.featCrmCategory":"CRM","mktg.featCrmHeadline":"CRM + chiến dịch email bằng AI","mktg.featCrmSubhead":"Sổ li\xean hệ của bạn c\xf3 bộ n\xe3o.","mktg.featCrmDesc":"CRM t\xedch hợp cho kh\xe1ch h\xe0ng tiềm năng, người vay, đối t\xe1c v\xe0 li\xean hệ tiếp cận. Breeze AI viết v\xe0 l\xean lịch chiến dịch, xá»­ l\xfd t\xe1i tÆ°Æ¡ng t\xe1c v\xe0 tá»± động gá»­i theo d\xf5i sau khi ho\xe0n tất.","mktg.featCrmBullet1":"Danh s\xe1ch người hợp nhất: kh\xe1ch h\xe0ng tiềm năng, người vay, đối t\xe1c, li\xean hệ","mktg.featCrmBullet2":"Breeze AI viết nội dung email c\xe1 nh\xe2n h\xf3a ở cấp độ ph\xe2n kh\xfac","mktg.featCrmBullet3":"Chiến dịch tá»± động với điều tiết giờ l\xe0m việc + k\xeanh gá»­i","mktg.featCrmBullet4":"T\xe1i tÆ°Æ¡ng t\xe1c v\xe0 theo d\xf5i sau khi ho\xe0n tất theo lịch c\xf3 thể t\xf9y chỉnh","mktg.featComplianceCategory":"Tu\xe2n thủ","mktg.featComplianceHeadline":"C\xf4ng cụ tu\xe2n thủ t\xedch hợp","mktg.featComplianceSubhead":"Giữ sạch sẽ m\xe0 kh\xf4ng cần l\xe0m thủ c\xf4ng.","mktg.featComplianceDesc":"C\xe1c kiểm tra tá»± động ATR, HMDA, OFAC v\xe0 chi ph\xed cao cấp tiểu bang chạy tr\xean mọi lần chỉnh sá»­a khoản vay. Nhật k\xfd kiểm to\xe1n, xuất LAR v\xe0 b\xe0n giao MISMO gi\xfap bạn lu\xf4n sẵn s\xe0ng cho việc kiểm tra.","mktg.featComplianceBullet1":"S\xe0ng lọc ATR (Reg Z), HMDA, OFAC tr\xean mỗi lần lÆ°u khoản vay","mktg.featComplianceBullet2":"Định tuyến theo tiểu bang: chi ph\xed cao CA, NY, TX, FL + \xa71026.32 li\xean bang","mktg.featComplianceBullet3":"Nhật k\xfd kiểm to\xe1n tại /admin/audit — lịch sá»­ sá»± kiện đầy đủ cho từng khoản vay","mktg.featComplianceBullet4":"Xuất CSV HMDA LAR v\xe0 tệp nộp cho b\xean cho vay MISMO 3.4","mktg.featSecurityCategory":"Bảo mật","mktg.featSecurityHeadline":"Bảo mật cấp doanh nghiệp","mktg.featSecuritySubhead":"Được x\xe2y dá»±ng cho độ nhạy cảm dữ liệu của ng\xe0nh thế chấp.","mktg.featSecurityDesc":"Ba tầng tăng cường bảo mật — kh\xf3a t\xe0i khoản, MFA, passkey, r\xe0ng buộc phi\xean, ph\xe1t hiện di chuyển bất khả thi v\xe0 x\xe1c thá»±c n\xe2ng cao cho mọi h\xe0nh động nhạy cảm.","mktg.featSecurityBullet1":"Passkey (WebAuthn) + MFA TOTP cho nh\xe0 m\xf4i giới","mktg.featSecurityBullet2":"X\xe1c thá»±c n\xe2ng cao khi tra cứu t\xedn dụng, kh\xf3a l\xe3i suất v\xe0 hiển thị SSN/ng\xe0y sinh","mktg.featSecurityBullet3":"Cảnh b\xe1o di chuyển bất khả thi + đăng xuất mọi nÆ¡i","mktg.featSecurityBullet4":"R\xe0ng buộc IP/UA của phi\xean + \xe1p dụng hết thời gian chờ khi kh\xf4ng hoạt động","mktg.featuresCtaTitlePrefix":"Sẵn s\xe0ng","mktg.featuresCtaTitleHighlight":"xem trá»±c tiếp chÆ°a?","mktg.featuresCtaSubtitle":"Tạo t\xe0i khoản miễn ph\xed v\xe0 xá»­ l\xfd khoản vay đầu ti\xean của bạn qua nền tảng trong chÆ°a đầy 10 ph\xfat.","mktg.featuresCtaFinePrint":"Kh\xf4ng cần thẻ t\xedn dụng \xb7 D\xf9ng thá»­ 14 ng\xe0y \xb7 Hủy bất cứ l\xfac n\xe0o","mktg.benefitsHeroEyebrow":"Tại sao chọn Unified Loan System","mktg.benefitsHeroTitlePrefix":"Tại sao tham gia","mktg.benefitsHeroSubtitle":"Ch\xfang t\xf4i kh\xf4ng chỉ l\xe0 một nền tảng — ch\xfang t\xf4i l\xe0 đối t\xe1c tăng trưởng của bạn. H\xe3y xem c\xe1ch ch\xfang t\xf4i gi\xfap nh\xe0 m\xf4i giới ho\xe0n tất nhiều hÆ¡n, nhanh hÆ¡n, với \xedt g\xe1nh nặng hÆ¡n.","mktg.metricFasterClosingsLabel":"Ho\xe0n tất nhanh hÆ¡n","mktg.metricFasterClosingsDesc":"Thời gian clear-to-close trung b\xecnh giảm từ 30 ng\xe0y xuống 10 ng\xe0y nhờ quy tr\xecnh tá»± động v\xe0 quyết định AI tức th\xec.","mktg.metricAlwaysOnLabel":"Lu\xf4n hoạt động","mktg.metricAlwaysOnDesc":"M\xf4 phỏng quyết định thẩm định l\xfac 2 giờ s\xe1ng. Kh\xf4ng bao giờ phải chờ chuy\xean vi\xean thẩm định nhấc m\xe1y.","mktg.metricTransparentLabel":"Minh bạch","mktg.metricTransparentDesc":"Cập nhật trạng th\xe1i theo thời gian thá»±c cho bạn v\xe0 người vay của bạn. Kh\xf4ng bao giờ c\xf3 từ chối hộp đen.","mktg.metricLessManualLabel":"\xcdt c\xf4ng việc thủ c\xf4ng hÆ¡n","mktg.metricLessManualDesc":"C\xe1c nh\xe0 m\xf4i giới cho biết họ d\xe0nh \xedt hÆ¡n 60% thời gian xem x\xe9t t\xe0i liệu sau khi chuyển sang x\xe1c minh OCR bằng mạng nÆ¡-ron.","mktg.benefitsGridTitlePrefix":"Được x\xe2y dá»±ng để giải quyết","mktg.benefitsGridTitleHighlight":"vấn đề thá»±c tế","mktg.benefitsGridSubtitle":"Mọi t\xednh năng đều được thiết kế xoay quanh một điểm nhức nhối cụ thể trong quy tr\xecnh khởi tạo.","mktg.benefitNoManualReviewTitle":"Kh\xf4ng c\xf2n xem x\xe9t t\xe0i liệu thủ c\xf4ng","mktg.benefitNoManualReviewDesc":"Tải l\xean phiếu lÆ°Æ¡ng, mẫu W-2, sao k\xea ng\xe2n h\xe0ng v\xe0 tờ khai thuế. AI cá»

1§a ch\xfang t\xf4i đọc, tr\xedch xuất v\xe0 đối chiếu tá»± động từng con số với mẫu 1003.","mktg.benefitStayEngagedTitle":"Người vay thá»±c sá»± lu\xf4n gắn kết","mktg.benefitStayEngagedDesc":"Cổng th\xf4ng tin người vay gắn nh\xe3n trắng gi\xfap người vay nắm bắt mọi giai đoạn. Breeze AI xá»­ l\xfd việc theo d\xf5i để bạn kh\xf4ng phải l\xe0m.","mktg.benefitComplianceTitle":"Ho\xe0n tất m\xe0 kh\xf4ng lo lắng về tu\xe2n thủ","mktg.benefitComplianceDesc":"Mỗi khoản vay được tá»± động s\xe0ng lọc theo c\xe1c quy tắc ATR, HMDA, OFAC v\xe0 chi ph\xed cao của tiểu bang. Nhật k\xfd kiểm to\xe1n v\xe0 xuất LAR lu\xf4n sẵn s\xe0ng.","mktg.benefitEsignTitle":"K\xfd điện tá»­ kh\xf4ng t\xednh ph\xed theo từng bộ","mktg.benefitEsignDesc":"K\xfd điện tá»­ PAdES nội bộ được bao gồm trong tất cả c\xe1c g\xf3i trả ph\xed. Gá»­i kh\xf4ng giới hạn bộ chữ k\xfd m\xe0 kh\xf4ng c\xf3 h\xf3a đơn DocuSign v\xe0o cuối th\xe1ng.","mktg.benefitScaleTitle":"Mở rộng m\xe0 kh\xf4ng cần tăng nh\xe2n sá»±","mktg.benefitScaleDesc":"Lớp tá»± động h\xf3a xá»­ l\xfd cập nhật trạng th\xe1i, t\xe1i tÆ°Æ¡ng t\xe1c, theo d\xf5i điều kiện v\xe0 b\xe0n giao cho b\xean cho vay — để đội ngÅ© của bạn l\xe0m được nhiều hÆ¡n m\xe0 kh\xf4ng cần mở rộng.","mktg.benefitYourDataTitle":"Dữ liệu của bạn, hạ tầng của bạn","mktg.benefitYourDataDesc":"T\xe0i liệu được lÆ°u trữ tr\xean NAS của bạn hoặc đ\xe1m m\xe2y bạn chọn th\xf4ng qua MinIO. Ch\xfang t\xf4i kh\xf4ng bao giờ giữ dữ liệu người vay của bạn l\xe0m con tin — xuất ra bất cứ l\xfac n\xe0o.","mktg.benefitsCtaTitle":"Sẵn s\xe0ng ph\xe1t triển quy tr\xecnh của bạn?","mktg.benefitsCtaSubtitle":"Tham gia c\xf9ng c\xe1c nh\xe0 m\xf4i giới hiệu suất cao tin tưởng Unified Loan System để ho\xe0n tất nhanh hÆ¡n với \xedt c\xf4ng sức hÆ¡n.","mktg.pricingHeroTitleLine1":"Gi\xe1 đơn giản.","mktg.pricingHeroTitleLine2":"Kh\xf4ng bất ngờ.","mktg.pricingHeroSubtitle":"Bắt đầu miễn ph\xed. N\xe2ng cấp khi cần. Mọi g\xf3i đều bao gồm c\xf4ng cụ AI đầy đủ — kh\xf4ng giới hạn t\xednh năng đối với thẩm định cốt l\xf5i.","mktg.pricingHeroFinePrint":"D\xf9ng thá»­ miễn ph\xed 14 ng\xe0y tr\xean c\xe1c g\xf3i trả ph\xed \xb7 Hủy bất cứ l\xfac n\xe0o \xb7 Kh\xf4ng cần thẻ t\xedn dụng để bắt đầu","mktg.priceFree":"Miễn ph\xed","mktg.priceCustom":"T\xf9y chỉnh","mktg.tierStarterName":"Khởi đầu","mktg.tierStarterSub":"Kh\xf4ng cần thẻ t\xedn dụng","mktg.tierStarterDesc":"D\xe0nh cho nh\xe0 m\xf4i giới mới bắt đầu. Truy cập đầy đủ nền tảng, kh\xf4ng r\xe0ng buộc.","mktg.tierStarterCta":"Bắt đầu miễn ph\xed","mktg.tierStarterFeature1":"1 quy tr\xecnh khoản vay đang hoạt động","mktg.tierStarterFeature2":"Trợ l\xfd thẩm định AI (5 lần tra cứu/th\xe1ng)","mktg.tierStarterFeature3":"Cổng th\xf4ng tin người vay (1 người d\xf9ng)","mktg.tierStarterFeature4":"Tải t\xe0i liệu ti\xeau chuẩn","mktg.tierStarterFeature5":"Hỗ trợ qua email","mktg.tierStarterMissing1":"Quy tr\xecnh h\xe0ng loạt","mktg.tierStarterMissing2":"Ghế nh\xf3m","mktg.tierStarterMissing3":"Truy cập API","mktg.tierStarterMissing4":"Hướng dẫn Æ°u ti\xean","mktg.tierBrokerName":"Nh\xe0 m\xf4i giới","mktg.tierBrokerSub":"mỗi th\xe1ng, thanh to\xe1n h\xe0ng th\xe1ng","mktg.tierBrokerDesc":"Nền tảng đầy đủ cho nh\xe0 m\xf4i giới đơn lẻ v\xe0 c\xe1c văn ph\xf2ng nhỏ ho\xe0n tất 5–20 khoản vay/th\xe1ng.","mktg.tierBrokerCta":"Bắt đầu d\xf9ng thá»­ 14 ng\xe0y","mktg.tierBrokerBadge":"Phổ biến nhất","mktg.tierBrokerFeature1":"Quy tr\xecnh đang hoạt động kh\xf4ng giới hạn","mktg.tierBrokerFeature2":"Thẩm định AI (kh\xf4ng giới hạn)","mktg.tierBrokerFeature3":"X\xe1c minh t\xe0i liệu OCR bằng mạng nÆ¡-ron","mktg.tierBrokerFeature4":"Cổng th\xf4ng tin người vay (người vay kh\xf4ng giới hạn)","mktg.tierBrokerFeature5":"CRM + chiến dịch email bằng AI","mktg.tierBrokerFeature6":"C\xf4ng cụ tu\xe2n thủ (ATR, HMDA, quy định tiểu bang)","mktg.tierBrokerFeature7":"Xuất MISMO 3.4","mktg.tierBrokerFeature8":"Kết quả AUS (DU/LP)","mktg.tierBrokerFeature9":"K\xfd điện tá»­ (nội bộ, kh\xf4ng t\xednh ph\xed theo từng bộ)","mktg.tierBrokerFeature10":"Hỗ trợ Æ°u ti\xean qua email + chat","mktg.tierBrokerMissing1":"Ghế nh\xf3m","mktg.tierBrokerMissing2":"ThÆ°Æ¡ng hiệu gắn nh\xe3n trắng","mktg.tierBrokerMissing3":"Truy cập API","mktg.tierTeamName":"Nh\xf3m","mktg.tierTeamSub":"mỗi th\xe1ng, tối đa 5 ghế","mktg.tierTeamDesc":"D\xe0nh cho c\xf4ng ty m\xf4i giới đang ph\xe1t triển với nhiều LO. Quy tr\xecnh chung, b\xe1o c\xe1o hợp nhất.","mktg.tierTeamCta":"Bắt đầu d\xf9ng thá»­ 14 ng\xe0y","mktg.tierTeamFeature1":"Mọi thứ trong g\xf3i Nh\xe0 m\xf4i giới","mktg.tierTeamFeature2":"Tối đa 5 ghế LO ($49/ghế sau đ\xf3)","mktg.tierTeamFeature3":"Bảng điều khiển quy tr\xecnh chung","mktg.tierTeamFeature4":"Cổng th\xf4ng tin người vay gắn nh\xe3n trắng","mktg.tierTeamFeature5":"B\xe1o c\xe1o hiệu suất nh\xf3m","mktg.tierTeamFeature6":"T\xedch hợp Webhook + Zapier","mktg.tierTeamFeature7":"Cuộc gọi hướng dẫn ri\xeang","mktg.tierTeamFeature8":"Hỗ trợ qua điện thoại + Æ°u ti\xean","mktg.tierTeamMissing1":"SLA API t\xf9y chỉnh","mktg.tierTeamMissing2":"Quản l\xfd th\xe0nh c\xf4ng kh\xe1ch h\xe0ng ri\xeang","mktg.tierEnterpriseName":"Doanh nghiệp","mktg.tierEnterpriseSub":"c\xf3 gi\xe1 theo số lượng","mktg.tierEnterpriseDesc":"D\xe0nh cho c\xe1c c\xf4ng ty m\xf4i giới lớn, đơn vị tổng hợp v\xe0 đối t\xe1c c\xf4ng nghệ. H\xe3y c\xf9ng x\xe2y dá»±ng điều g\xec đ\xf3.","mktg.tierEnterpriseCta":"Trao đổi với bộ phận b\xe1n h\xe0ng","mktg.tierEnterpriseFeature1":"Mọi thứ trong g\xf3i Nh\xf3m","mktg.tierEnterpriseFeature2":"Ghế kh\xf4ng giới hạn","mktg.tierEnterpriseFeature3":"SLA API t\xf9y chỉnh + truy cập dữ liệu th\xf4","mktg.tierEnterpriseFeature4":"Quản l\xfd th\xe0nh c\xf4ng kh\xe1ch h\xe0ng ri\xeang","mktg.tierEnterpriseFeature5":"T\xedch hợp t\xf9y chỉnh (Encompass, LendingPad)","mktg.tierEnterpriseFeature6":"SSO / SAML","mktg.tierEnterpriseFeature7":"Xuất nhật k\xfd kiểm to\xe1n","mktg.tierEnterpriseFeature8":"NDA + DPA t\xf9y chỉnh","mktg.tierEnterpriseFeature9":"Cam kết thời gian hoạt động SLA (99.9%)","mktg.addOnsTitle":"Chi ph\xed nh\xe0 cung cấp chuyển tiếp","mktg.addOnsBodyPart1":"Chi ph\xed b\xean thứ ba (tra cứu t\xedn dụng ~$15–35/tri-merge, b\xe1o c\xe1o thu nhập ng\xe2n h\xe0ng Plaid, ph\xed ghi nhận) được t\xednh theo chi ph\xed thá»±c tế với","mktg.addOnsZeroMarkup":"kh\xf4ng t\xednh th\xeam ph\xed","mktg.addOnsBodyPart2":". Ch\xfang xuất hiện dưới dạng c\xe1c mục ri\xeang tr\xean h\xf3a đơn h\xe0ng th\xe1ng của bạn để bạn lu\xf4n biết ch\xednh x\xe1c m\xecnh đ\xe3 trả bao nhi\xeau.","mktg.faqTitlePrefix":"C\xe2u hỏi","mktg.faqTitleHighlight":"thường gặp","mktg.faqLoanPullQ":'Điều g\xec được t\xednh l\xe0 một "lần tra cứu khoản vay" tr\xean g\xf3i Khởi đầu?',"mktg.faqLoanPullA":"Một lần tra cứu l\xe0 bất kỳ lần n\xe0o c\xf4ng cụ AI của Unified Loan System ph\xe2n t\xedch má

1»™t mẫu 1003 đầy đủ + bộ t\xe0i liệu theo hướng dẫn thẩm định. Chỉ tải l\xean t\xe0i liệu kh\xf4ng được t\xednh.","mktg.faqTrialCardQ":"Bản d\xf9ng thá»­ miễn ph\xed c\xf3 cần thẻ t\xedn dụng kh\xf4ng?","mktg.faqTrialCardA":"Kh\xf4ng. Bạn c\xf3 thể bắt đầu d\xf9ng thá»­ 14 ng\xe0y g\xf3i Nh\xe0 m\xf4i giới hoặc Nh\xf3m chỉ với email v\xe0 số NMLS. Chỉ cần thẻ nếu bạn chọn tiếp tục.","mktg.faqSwitchPlansQ":"T\xf4i c\xf3 thể đổi g\xf3i giữa chu kỳ kh\xf4ng?","mktg.faqSwitchPlansA":"C\xf3. Việc n\xe2ng cấp c\xf3 hiệu lá»±c ngay lập tức v\xe0 được t\xednh theo tá»· lệ. Việc hạ cấp c\xf3 hiệu lá»±c v\xe0o đầu chu kỳ thanh to\xe1n tiếp theo của bạn.","mktg.faqEsignPricingQ":"Gi\xe1 k\xfd điện tá»­ hoạt động nhÆ° thế n\xe0o?","mktg.faqEsignPricingA":"Tất cả c\xe1c g\xf3i trả ph\xed đều bao gồm số lượng bộ k\xfd điện tá»­ nội bộ kh\xf4ng giới hạn m\xe0 kh\xf4ng t\xednh ph\xed theo từng bộ. Ch\xfang t\xf4i sá»­ dụng hạ tầng k\xfd tu\xe2n thủ PAdES của ri\xeang m\xecnh — kh\xf4ng c\xf3 khoản phụ thu DocuSign.","mktg.faqPassThroughQ":"Chi ph\xed chuyển tiếp theo mức sá»­ dụng c\xf3 được bao gồm kh\xf4ng?","mktg.faqPassThroughA":"Tra cứu t\xedn dụng, b\xe1o c\xe1o thu nhập ng\xe2n h\xe0ng Plaid v\xe0 c\xe1c chi ph\xed nh\xe0 cung cấp b\xean thứ ba kh\xe1c được t\xednh theo chi ph\xed m\xe0 kh\xf4ng t\xednh th\xeam. Bạn sẽ thấy c\xe1c khoản ph\xed được liệt k\xea chi tiết tr\xean h\xf3a đơn.","mktg.faqFirstLoanQ":"Điều g\xec xảy ra khi t\xf4i ho\xe0n tất khoản vay thá»±c đầu ti\xean?","mktg.faqFirstLoanA":"Kh\xf4ng c\xf3 g\xec thay đổi tá»± động. Bạn vẫn ở tr\xean g\xf3i của m\xecnh. Khi bạn sẵn s\xe0ng mở rộng, đội ngÅ© của ch\xfang t\xf4i sẵn s\xe0ng gi\xfap bạn tối Æ°u h\xf3a.","mktg.pricingCtaTitlePrefix":"Sẵn s\xe0ng","mktg.pricingCtaTitleHighlight":"bắt đầu chÆ°a?","mktg.pricingCtaSubtitle":"Tham gia c\xf9ng c\xe1c nh\xe0 m\xf4i giới đ\xe3 ho\xe0n tất nhanh hÆ¡n tr\xean Unified Loan System. Kh\xf4ng r\xe0ng buộc, kh\xf4ng ph\xed thiết lập.","mktg.ctaStartFreeTrial":"Bắt đầu d\xf9ng thá»­ miễn ph\xed","mktg.ctaViewPricing":"Xem bảng gi\xe1","mktg.ctaSeePricing":"Xem gi\xe1","mktg.ctaGetStartedNow":"Bắt đầu ngay","mktg.ctaCreateFreeAccount":"Tạo t\xe0i khoản miễn ph\xed","mktg.ctaTalkToSales":"Trao đổi với bộ phận b\xe1n h\xe0ng","about.heroEyebrow":"Giới thiệu về Unified Loan System","about.heroTitleLine1":"Trao quyền cho nh\xe0 m\xf4i giới bằng","about.heroTitleLine2":"Tá»± động h\xf3a th\xf4ng minh","about.heroSubtitle":"Tại Unified Loan System, ch\xfang t\xf4i tin rằng tÆ°Æ¡ng lai của ng\xe0nh cho vay thuộc về những người h\xe0nh động nhanh. Ch\xfang t\xf4i đang x\xe2y dá»±ng hạ tầng để đảm bảo người đ\xf3 ch\xednh l\xe0 bạn.","about.statActiveBrokers":"Nh\xe0 m\xf4i giới đang hoạt động","about.statLoansOriginated":"Khoản vay đ\xe3 khởi tạo","about.statPlatformUptime":"Thời gian hoạt động của nền tảng","about.statFasterThanManual":"Nhanh hÆ¡n so với thủ c\xf4ng","about.missionEyebrow":"Sứ mệnh","about.missionTitleLead":"Loại bỏ","about.missionTitleAccent":"r\xe0o cản trong cho vay","about.missionPara1":"Ng\xe0nh thế chấp đ\xe3 mắc kẹt trong qu\xe1 khứ — ch\xecm trong giấy tờ, kiểm tra thủ c\xf4ng v\xe0 những quyết định thẩm định thiếu minh bạch. Ch\xfang t\xf4i đ\xe3 nh\xecn thấy một c\xe1ch tốt hÆ¡n.","about.missionPara2":"Bằng c\xe1ch d\xf9ng AI để xá»­ l\xfd phần việc nặng nhọc trong ph\xe2n t\xedch t\xe0i liệu v\xe0 tạo điều kiện, ch\xfang t\xf4i giải ph\xf3ng nh\xe0 m\xf4i giới để họ l\xe0m điều m\xecnh giỏi nhất: x\xe2y dá»±ng mối quan hệ v\xe0 chốt giao dịch.","about.value1Title":"Minh bạch tr\xean hết","about.value1Desc":"Kh\xf4ng c\xf3 từ chối kiểu hộp đen. Mọi ph\xe1t hiện của AI đều được tr\xecnh b\xe0y k\xe8m giải th\xedch để bạn hiểu ch\xednh x\xe1c điều m\xe0 người thẩm định nh\xecn thấy.","about.value2Title":"Tốc độ l\xe0 ti\xeau chuẩn","about.value2Desc":"Quyết định trong v\xe0i ph\xfat, kh\xf4ng phải v\xe0i ng\xe0y. Cấp vốn trong v\xe0i ng\xe0y, kh\xf4ng phải v\xe0i tuần. Ch\xfang t\xf4i đo lường th\xe0nh c\xf4ng bá

1º±ng thời gian tiết kiệm được cho mỗi nh\xe0 m\xf4i giới m\xe0 ch\xfang t\xf4i phục vụ.","about.value3Title":"Nh\xe0 m\xf4i giới tr\xean hết","about.value3Desc":"Ch\xfang t\xf4i chỉ thắng khi bạn chốt được khoản vay. Mọi quyết định về sản phẩm đều bắt đầu bằng c\xe2u hỏi: điều n\xe0y c\xf3 gi\xfap nh\xe0 m\xf4i giới chốt khoản vay dễ d\xe0ng hÆ¡n kh\xf4ng?","about.teamEyebrow":"Đội ngÅ©","about.teamTitleLead":"Được x\xe2y dá»±ng bởi","about.teamTitleAccent":"c\xe1c chuy\xean gia","about.teamSubtitle":"C\xe1c kỹ sÆ°, nh\xe0 khoa học dữ liệu v\xe0 chuy\xean gia kỳ cá»±u trong ng\xe0nh thế chấp c\xf9ng hợp t\xe1c để ra mắt nền tảng khởi tạo khoản vay tốt nhất tr\xean thị trường.","about.pillarEngineeringTitle":"Kỹ thuật","about.pillarEngineeringDesc":"C\xe1c kỹ sÆ° hệ thống c\xf3 nền tảng về fintech v\xe0 hệ thống ph\xe2n t\xe1n. Ch\xfang t\xf4i x\xe2y dá»±ng để mở rộng quy m\xf4 v\xe0 tu\xe2n thủ ngay từ ng\xe0y đầu.","about.pillarMortgageTitle":"Thế chấp","about.pillarMortgageDesc":"HÆ¡n 20 năm kinh nghiệm kết hợp về thẩm định v\xe0 khởi tạo khoản vay. Ch\xfang t\xf4i hiểu r\xf5 c\xe1c nguy\xean tắc, điều kiện v\xe0 những điểm kh\xf3 khăn.","about.pillarProductTitle":"Sản phẩm","about.pillarProductDesc":"Đam m\xea tạo ra quy tr\xecnh l\xe0m việc mượt m\xe0 nhất c\xf3 thể. Ch\xfang t\xf4i tạo nguy\xean mẫu, thá»­ nghiệm v\xe0 ra mắt nhanh hÆ¡n bất kỳ c\xf4ng ty c\xf4ng nghệ thế chấp n\xe0o tr\xean thị trường.","about.ctaTitleLead":"Tham gia cuộc","about.ctaTitleAccent":"c\xe1ch mạng","about.ctaSubtitle":"Đừng xá»­ l\xfd khoản vay theo c\xe1ch vất vả nữa. Trải nghiệm sá»± kh\xe1c biệt của Unified Loan System ngay h\xf4m nay.","about.ctaBecomePartner":"Trở th\xe0nh đối t\xe1c","about.ctaViewPricing":"Xem bảng gi\xe1","about.contactHeroEyebrow":"Li\xean hệ với ch\xfang t\xf4i","about.contactHeroTitleLead":"Ch\xfang t\xf4i lu\xf4n sẵn s\xe0ng","about.contactHeroTitleAccent":"gi\xfap bạn ho\xe0n tất.","about.contactHeroSubtitle":"D\xf9 bạn cần hỗ trợ sản phẩm, muốn trao đổi về gi\xe1 doanh nghiệp hay c\xf3 c\xe2u hỏi về tu\xe2n thủ — h\xe3y li\xean hệ trá»±c tiếp với đ\xfang đội ngÅ©.","about.contactSalesTitle":"Kinh doanh","about.contactSalesDesc":"C\xe2u hỏi về gi\xe1, giao dịch số lượng lớn, hợp đồng doanh nghiệp v\xe0 t\xedch hợp với b\xean cho vay.","about.contactSalesAction":"Gá»­i email cho Kinh doanh","about.contactSupportTitle":"Hỗ trợ nh\xe0 m\xf4i giới","about.contactSupportDesc":"Trợ gi\xfap nền tảng, c\xe2u hỏi về quy tr\xecnh v\xe0 xá»­ l\xfd sá»± cố x\xe1c minh t\xe0i liệu.","about.contactSupportAction":"Mở tr\xf2 chuyện hỗ trợ","about.contactPartnershipTitle":"Hợp t\xe1c & Tu\xe2n thủ","about.contactPartnershipDesc":"Tiếp nhận nh\xe0 cung cấp, k\xfd kết DPA/MSA, hồ sÆ¡ CASA v\xe0 c\xe1c c\xe2u hỏi về API của b\xean cho vay.","about.contactPartnershipAction":"Gá»­i email cho bộ phận Hợp t\xe1c","about.contactPressTitle":"Truyền th\xf4ng & B\xe1o ch\xed","about.contactPressDesc":"Bộ t\xe0i liệu b\xe1o ch\xed, y\xeau cầu phỏng vấn v\xe0 c\xe2u hỏi bi\xean tập về Unified Loan System hoặc lÄ©nh vá»±c AI thế chấp.","about.contactPressAction":"Gá»­i email cho B\xe1o ch\xed","about.officeLocation":"San Luis Obispo, CA \xb7 Được cấp ph\xe9p tại California (DBO)","about.officeLegalNote":"Unified Loan System l\xe0 t\xean thÆ°Æ¡ng mại của California Mortgage Solutions, một S-Corp tại California. Tất cả hợp đồng với nh\xe0 cung cấp đều được k\xfd kết dưới ph\xe1p nh\xe2n n\xe0y.","about.contactCtaTitle":"Kh\xf4ng biết bắt đầu từ đ\xe2u?","about.contactCtaSubtitle":"Tạo t\xe0i khoản miễn ph\xed v\xe0 kh\xe1m ph\xe1 nền tảng. Kh\xf4ng r\xe0ng buộc.","about.contactCtaButton":"Bắt đầu miễn ph\xed","about.setupErrMissingTokenTitle":"Thiếu m\xe3 mời","about.setupErrMissingTokenMsg":"Li\xean kết bạn đ\xe3 d\xf9ng bị thiếu m\xe3 bá

1º¯t buộc. H\xe3y y\xeau cầu nh\xe0 m\xf4i giới gá»­i lại lời mời.","about.setupErrInvalidTitle":"Lời mời kh\xf4ng hợp lệ","about.setupErrMismatchTitle":"Lời mời kh\xf4ng khớp","about.setupErrMismatchMsg":"Li\xean kết mời n\xe0y kh\xf4ng khớp với email m\xe0 n\xf3 được cấp. Vui l\xf2ng d\xf9ng đ\xfang li\xean kết từ email của bạn.","about.setupHeading":"Đặt mật khẩu của bạn","about.setupWelcomeLead":"Ch\xe0o mừng bạn đến với Unified Loan System. Bạn đang thiết lập t\xe0i khoản cho","about.setupErrFooter":"Nếu bạn cho rằng đ\xe2y l\xe0 lỗi, h\xe3y li\xean hệ nh\xe0 m\xf4i giới để nhận lời mời mới.","about.setupValTooShort":"Mật khẩu phải c\xf3 \xedt nhất {min} k\xfd tá»±.","about.setupValComplexity":"Mật khẩu phải bao gồm chữ hoa, chữ thường v\xe0 một chữ số.","about.setupValMismatch":"Mật khẩu kh\xf4ng khớp.","about.setupErrFallback":"Thiết lập thất bại. H\xe3y thá»­ lại hoặc y\xeau cầu nh\xe0 m\xf4i giới gá»­i lời mời mới.","about.setupNetworkError":"Lỗi mạng. Vui l\xf2ng thá»­ lại.","about.setupNewPasswordLabel":"Mật khẩu mới","about.setupPasswordHint":"\xcdt nhất {min} k\xfd tá»±, gồm chữ hoa, chữ thường v\xe0 một chữ số.","about.setupConfirmPasswordLabel":"X\xe1c nhận mật khẩu","about.setupSubmitting":"Đang lÆ°u…","about.setupSubmit":"Đặt mật khẩu v\xe0 tiếp tục","home.statActiveBrokers":"Nh\xe0 m\xf4i giới đang hoạt động","home.statLoansProcessed":"Khoản vay đ\xe3 xá»­ l\xfd","home.statPlatformUptime":"Thời gian hoạt động của nền tảng","home.statBrokerRating":"Đ\xe1nh gi\xe1 nh\xe0 m\xf4i giới","home.featureAiUnderwritingTitle":"Thẩm định bằng AI","home.featureAiUnderwritingDesc":"Ph\xea duyệt trước tức th\xec nhờ c\xf4ng nghệ m\xe1y học. AI của ch\xfang t\xf4i ph\xe2n t\xedch dữ liệu của người vay trong v\xe0i gi\xe2y v\xe0 đưa ra c\xe1c điều kiện r\xf5 r\xe0ng.","home.featureDocVerificationTitle":"X\xe1c minh t\xe0i liệu","home.featureDocVerificationDesc":"C\xf4ng nghệ OCR thần kinh đọc phiếu lÆ°Æ¡ng, biểu mẫu W-2, sao k\xea ng\xe2n h\xe0ng v\xe0 tờ khai thuế. Tá»± động đối chiếu dữ liệu với mẫu 1003.","home.featurePipelineMgmtTitle":"Quản l\xfd pipeline","home.featurePipelineMgmtDesc":"Theo d\xf5i mọi khoản vay từ l\xfac nộp đơn đến khi ho\xe0n tất. Bảng Kanban, cập nhật trạng th\xe1i tá»± động v\xe0 th\xf4ng b\xe1o theo thời gian thá»±c.","home.featureCrmCampaignsTitle":"CRM & Chiến dịch","home.featureCrmCampaignsDesc":"Quản l\xfd li\xean hệ t\xedch hợp với c\xe1c chiến dịch email do AI hỗ trợ. Ph\xe2n nh\xf3m người vay v\xe0 gá»­i th\xf4ng điệp c\xe1 nh\xe2n h\xf3a tr\xean quy m\xf4 lớn.","home.featureComplianceEngineTitle":"C\xf4ng cụ tu\xe2n thủ","home.featureComplianceEngineDesc":"Kiểm tra tu\xe2n thủ quy định tá»± động, xuất dữ liệu MISMO v\xe0 nhật k\xfd kiểm to\xe1n. Duy tr\xec tu\xe2n thủ m\xe0 kh\xf4ng tốn c\xf4ng thủ c\xf4ng.","home.featureBorrowerPortalTitle":"Cổng th\xf4ng tin người vay","home.featureBorrowerPortalDesc":"Cổng th\xf4ng tin nh\xe3n trắng nÆ¡i người vay ho\xe0n th\xe0nh mẫu 1003, tải l\xean t\xe0i liệu v\xe0 theo d\xf5i trạng th\xe1i khoản vay theo thời gian thá»±c.","home.step1Title":"Thiết lập trong v\xe0i ph\xfat","home.step1Desc":"Tạo t\xe0i khoản nh\xe0 m\xf4i giới, kết nối NMLS của bạn v\xe0 thiết lập pipeline trong chÆ°a đầy 10 ph\xfat.","home.step2Title":"Tải l\xean & X\xe1c minh","home.step2Desc":"Người vay nộp mẫu 1003 v\xe0 t\xe0i liệu của họ. AI của ch\xfang t\xf4i x\xe1c minh mọi thứ ngay lập tức — kh\xf4ng cần xem x\xe9t thủ c\xf4ng.","home.step3Title":"Ho\xe0n tất & Giải ng\xe2n","home.step3Desc":"Theo d\xf5i điều kiện tá»± động, b\xe0n giao cho b\xean cho vay v\xe0 điều phối ho\xe0n tất. C\xe1c khoản vay của bạn ho\xe0n tất nhanh hÆ¡n.","home.testimonial1Role":"Chuy\xean vi\xean Cho vay Cấp cao, Pacific Lending","home.testimonial1Text":"Unified Loan System đ\xe3 giảm 60% thời gian xá»­ l\xfd của ch\xfang t\xf4i. AI ph\xe1t hiện những điểm ch\xeanh lệch m\xe0 trước đ\xe2y ch\xfang t\xf4i phải mất h\xe0ng giờ t\xecm kiếm thủ c\xf4ng.","home.testimonial2Role":"Chủ nh\xe0 m\xf4i giới, Summit Mortgage Group","home.testimonial2Text":"Chỉ ri\xeang cổng th\xf4ng tin người vay đ\xe3 đ\xe1ng để chuyển đổi. Kh\xe1ch h\xe0ng của t\xf4i rất th\xedch khả năng theo d\xf5i trạng th\xe1i khoản vay theo thời gian thá»±c.","home.testimonial3Role":"Gi\xe1m đốc Điều h\xe0nh, Coastline Financial","home.testimonial3Text":"Ch\xfang t\xf4i đ\xe3 tăng gấp đ\xf4i khối lượng h\xe0ng th\xe1ng kể từ khi bắt đầu. Hệ thống chiến dịch AI tạo ra nhiều kh\xe1ch h\xe0ng tiềm năng đủ điều kiện hÆ¡n so với CRM cÅ© của ch\xfang t\xf4i.","home.aiCapabilityOcr":"Tr\xedch xuất t\xe0i liệu bằng OCR thần kinh với độ ch\xednh x\xe1c 99.7%","home.aiCapabilityVerification":"X\xe1c minh thu nhập, t\xe0i sản v\xe0 nợ phải trả tá»± động","home.aiCapabilityDiscrepancy":"Ph\xe1t hiện điểm ch\xeanh lệch theo thời gian thá»±c tr\xean c\xe1c trường của mẫu 1003","home.aiCapabilityMismo":"Xuất dữ liệu tu\xe2n thủ MISMO 3.4","home.aiCapabilityConditioning":"Đặt điều kiện dá»± đo\xe1n v\xe0 xá»­ l\xfd STIP tá»± động","home.aiCapabilityCampaigns":"Chiến dịch email do AI hỗ trợ với nội dung c\xe1 nh\xe2n h\xf3a","home.heroBadge":"Được hÆ¡n 500 nh\xe0 m\xf4i giới h\xe0ng đầu tin d\xf9ng","home.heroTitleLine1":"TÆ°Æ¡ng lai của hoạt động cho vay","home.heroTitleLine2":"Được dẫn dắt bởi AI","home.heroSubtitle":"Unified Loan System trao quyền cho nh\xe0 m\xf4i giới với thẩm định AI tức th\xec, x\xe1c minh t\xe0i liệu bằng AI v\xe0 quản l\xfd pipeline theo thời gian thá»±c. Ho\xe0n tất khoản vay nhanh hÆ¡n v\xe0 mở rộng doanh nghiệp của bạn.","home.ctaStartFreeTrial":"Bắt đầu d\xf9ng thá»­ miễn ph\xed","home.ctaViewPricing":"Xem bá

1º£ng gi\xe1","home.alreadyPartner":"Đ\xe3 l\xe0 đối t\xe1c?","home.logInToPortal":"Đăng nhập v\xe0o cổng th\xf4ng tin","home.badgeNmlsLicensed":"Được cấp ph\xe9p NMLS","home.badgeSoc2Certified":"Được chứng nhận SOC 2","home.badge256Encryption":"M\xe3 h\xf3a 256-bit","home.badgeCcpaCompliant":"Tu\xe2n thủ CCPA","home.featuresEyebrow":"T\xednh năng nền tảng","home.featuresHeadingLead":"Mọi thứ bạn cần để","home.featuresHeadingAccent":"Ho\xe0n tất nhiều khoản vay hÆ¡n","home.featuresSubtitle":"Một nền tảng khởi tạo thế chấp ho\xe0n chỉnh do nh\xe0 m\xf4i giới x\xe2y dá»±ng, d\xe0nh cho nh\xe0 m\xf4i giới. Mọi c\xf4ng cụ, mọi quy tr\xecnh tá»± động, trong một bảng điều khiển.","home.howItWorksEyebrow":"Quy tr\xecnh đơn giản","home.howItWorksHeadingLead":"Bắt đầu trong","home.howItWorksHeadingAccent":"Ba bước","home.howItWorksSubtitle":"Từ khi đăng k\xfd đến khoản vay đầu ti\xean được ho\xe0n tất — nhanh hÆ¡n bạn nghÄ©.","home.testimonialsEyebrow":"C\xe2u chuyện của nh\xe0 m\xf4i giới","home.testimonialsHeadingLead":"Được tin d\xf9ng bởi","home.testimonialsHeadingAccent":"Những người giỏi nhất ng\xe0nh","home.demoDocScanLabel":"Qu\xe9t t\xe0i liệu ho\xe0n tất:","home.demoDocScanValue":"W-2, phiếu lÆ°Æ¡ng, sao k\xea ng\xe2n h\xe0ng","home.demoIncomeLabel":"Thu nhập đ\xe3 x\xe1c minh:","home.demoIncomeValue":"{amount}/th\xe1ng tổng","home.demoDtiLabel":"Tá»· lệ DTI:","home.demoDtiValue":"{ratio} — Đủ điều kiện","home.demoDepositLabel":"Khoản tiền gá»­i lớn được gắn cờ:","home.demoDepositValue":"{amount} — Cần c\xf3 LOE","home.demoMismoLabel":"Xuất MISMO 3.4:","home.demoMismoValue":"Sẵn s\xe0ng","home.demoPreApprovalLabel":"Ph\xea duyệt trước được tạo trong","home.demoPreApprovalValue":"{seconds} gi\xe2y","home.aiShowcaseEyebrow":"Được hỗ trợ bởi AI","home.aiShowcaseHeadingLead":"Tr\xed tuệ thá»±c sá»±","home.aiShowcaseHeadingAccent":"Tạo ra kh\xe1c biệt","home.aiShowcaseSubtitle":"C\xf4ng cụ AI của ch\xfang t\xf4i kh\xf4ng chỉ l\xe0 một chatbot — đ\xf3 l\xe0 một trợ l\xfd thẩm định to\xe0n diện, đọc, x\xe1c minh v\xe0 kiểm chứng mọi t\xe0i liệu trong pipeline của bạn.","home.ctaSeeItInAction":"Xem hoạt động thá»±c tế","home.finalCtaHeadingLead":"Sẵn s\xe0ng để","home.finalCtaHeadingAccent":"Chuyển đổi","home.finalCtaHeadingTrail":"Doanh nghiệp của bạn?","home.finalCtaSubtitle":"Tham gia c\xf9ng h\xe0ng trăm nh\xe0 m\xf4i giới h\xe0ng đầu đ\xe3 sá»­ dụng Unified Loan System để ho\xe0n tất nhiều khoản vay hÆ¡n, nhanh hÆ¡n v\xe0 \xedt chi ph\xed hÆ¡n.","home.ctaCreateFreeAccount":"Tạo t\xe0i khoản miễn ph\xed","home.finalCtaFinePrint":"Kh\xf4ng cần thẻ t\xedn dụng \xb7 D\xf9ng thá»­ miễn ph\xed 14 ng\xe0y \xb7 Hủy bất cứ l\xfac n\xe0o","bauth.redirecting":"Đang chuyển hướng…","bauth.redirectingTo":"Đang đưa bạn đến trang đăng nhập của {role}.","bauth.roleBroker":"nh\xe0 m\xf4i giới","bauth.roleBorrower":"người vay","bauth.loading":"Đang tải…","bauth.stepTitleWelcome":"Ch\xe0o mừng","bauth.stepTitleName":"T\xean của bạn","bauth.stepTitleEmail":"Email của bạn","bauth.stepTitlePassword":"Tạo mật khẩu","bauth.stepTitleSecurity":"Tăng cường bảo mật t\xf9y chọn","bauth.stepTitleReview":"Xem lại v\xe0 chấp nhận","bauth.errInvalidEmail":"Email kh\xf4ng hợp lệ","bauth.errInvalidEmailUsage":"Sá»­ dụng email kh\xf4ng hợp lệ.","bauth.errPasswordsMismatch":"Mật khẩu kh\xf4ng khớp.","bauth.errMustAgree":"Bạn phải đồng \xfd với cả Điều khoản Dịch vụ v\xe0 Ch\xednh s\xe1ch Bảo mật.","bauth.errSignupFailed":"Kh\xf4ng thể ho\xe0n tất đăng k\xfd{detail}. Vui l\xf2ng thá»­ lại, hoặc đăng nhập nếu bạn đ\xe3 c\xf3 t\xe0i khoản.","bauth.ofacTitle":"T\xe0i khoản đang chờ x\xe9t duyệt","bauth.ofacSubtitlePre":"Cảm Æ¡n bạn đ\xe3 đăng k\xfd. Ch\xfang t\xf4i cần x\xe1c minh má

1»™t v\xe0i th\xf4ng tin trước khi k\xedch hoạt t\xe0i khoản của bạn tại","bauth.ofacSubtitlePost":".","bauth.ofacBody1Pre":"T\xe0i khoản của bạn đang trong qu\xe1 tr\xecnh x\xe9t duyệt tu\xe2n thủ thường lệ. Đ\xe2y l\xe0 bước ti\xeau chuẩn m\xe0 ch\xfang t\xf4i thá»±c hiện với mọi đăng k\xfd mới nhÆ° một phần trong nghÄ©a vụ chống gian lận v\xe0 tu\xe2n thủ li\xean bang. Hầu hết c\xe1c lần x\xe9t duyệt ho\xe0n tất trong","bauth.ofacBody1Bold":"một ng\xe0y l\xe0m việc","bauth.ofacBody1Post":".","bauth.ofacBody2Pre":"Nếu ch\xfang t\xf4i cần th\xeam th\xf4ng tin từ bạn, ch\xfang t\xf4i sẽ li\xean hệ qua","bauth.ofacBody2Post":". Trong thời gian chờ, bạn kh\xf4ng cần l\xe0m g\xec cả.","bauth.ofacWhyTitle":"Tại sao ch\xfang t\xf4i l\xe0m điều n\xe0y?","bauth.ofacWhyBody":"Khởi tạo khoản vay thế chấp l\xe0 một ng\xe0nh được quản l\xfd. Ch\xfang t\xf4i bắt buộc phải kiểm tra danh t\xednh v\xe0 danh s\xe1ch trừng phạt đối với mọi t\xe0i khoản mới trước khi cấp quyền truy cập dịch vụ t\xe0i ch\xednh. Việc kiểm tra được tá»± động h\xf3a v\xe0 đối chiếu h\xe0ng triệu c\xe1i t\xean — đ\xf4i khi xảy ra tr\xf9ng khớp sai, v\xe0 ch\xfang t\xf4i giải quyết nhanh ch\xf3ng.","bauth.returnHome":"Quay lại trang chủ","bauth.inboxTitle":"Đ\xe3 tạo t\xe0i khoản — một c\xfa nhấp cuối c\xf9ng","bauth.inboxSubtitlePre":"Ch\xfang t\xf4i đ\xe3 gá»­i li\xean kết x\xe1c nhận đến","bauth.inboxSubtitlePost":". Một c\xfa nhấp v\xe0 bạn đ\xe3 v\xe0o.","bauth.inboxTimelineHeader":"Đ\xe2y l\xe0 những g\xec xảy ra tiếp theo","bauth.inboxStep1Title":"Đ\xe3 tạo t\xe0i khoản.","bauth.inboxStep2Title":"Mở email ch\xfang t\xf4i vừa gá»­i","bauth.inboxStep2Body":'Nhấp v\xe0o n\xfat lớn "X\xe1c nhận email của t\xf4i" b\xean trong. Li\xean kết c\xf3 hiệu lá»±c trong 24 giờ.',"bauth.inboxStep3Title":"Bạn đ\xe3 v\xe0o.","bauth.inboxStep3Body":"X\xe1c nhận email sẽ đăng nhập thẳng v\xe0o bảng điều khiển của bạn — kh\xf4ng cần nhập lại mật khẩu.","bauth.inboxLookForHeader":"Cần t\xecm g\xec","bauth.inboxFromLabel":"Từ","bauth.inboxSubjectLabel":"Chủ đề","bauth.inboxSubjectValue":"X\xe1c nhận t\xe0i khoản Unified Loan System của bạn","bauth.inboxNotSeenTitle":"Kh\xf4ng thấy sau một ph\xfat?","bauth.inboxNotSeenBody":'Kiểm tra thÆ° r\xe1c hoặc mục quảng c\xe1o. Gmail v\xe0 c\xe1c nh\xe0 cung cấp tÆ°Æ¡ng tá»± thường ẩn email lần đầu từ người gá»­i mới — h\xe3y đ\xe1nh dấu ch\xfang t\xf4i l\xe0 "Kh\xf4ng phải thÆ° r\xe1c" để c\xe1c cập nhật khoản vay sau n\xe0y v\xe0o hộp thÆ° ch\xednh của bạn.',"bauth.inboxWhyTitle":"Tại sao ch\xfang t\xf4i y\xeau cầu bạn l\xe0m điều n\xe0y","bauth.inboxWhyBodyPre":"X\xe1c nhận email chứng minh bạn l\xe0 người thật (kh\xf4ng phải bot đăng k\xfd h\xe0ng loạt) v\xe0 kh\xf4ng ai v\xf4 t\xecnh tạo t\xe0i khoản bằng địa chỉ của bạn. Đ\xe2y l\xe0","bauth.inboxWhyBodyBold":"bước một lần","bauth.inboxWhyBodyPost":" — ch\xfang t\xf4i sẽ kh\xf4ng hỏi lại.","bauth.resendSending":"Đang gá»­i email kh\xe1c…","bauth.resendSent":"Đ\xe3 gá»­i — kiểm tra hộp thÆ° đến của bạn","bauth.resendIdle":"Gá»­i lại email","bauth.confirmLater":"T\xf4i sẽ x\xe1c nhận sau — cho t\xf4i đăng nhập","bauth.wrongEmail":"Sai email? Quay lại","bauth.blockedTitle":"Đăng k\xfd bị chặn","bauth.blockedSubtitle":"Li\xean kết lời mời 

1n\xe0y kh\xf4ng hợp lệ hoặc đ\xe3 hết hạn. Bạn cần một lượt giới thiệu từ nh\xe0 m\xf4i giới c\xf2n hiệu lá»±c để tạo t\xe0i khoản.","bauth.stepCounter":"Bước {current} tr\xean {total}","bauth.alreadyHaveAccount":"Đ\xe3 c\xf3 t\xe0i khoản?","bauth.signInInstead":"Đăng nhập thay v\xec vậy →","bauth.continue":"Tiếp tục","bauth.continueOrSkip":"Tiếp tục (hoặc bỏ qua)","bauth.createAccount":"Tạo t\xe0i khoản của t\xf4i","bauth.orSkipForm":"Hoặc bỏ qua biểu mẫu","bauth.googleHelper":"Đăng k\xfd bằng Google để bỏ qua c\xe1c bước b\xean dưới — c\xf9ng một t\xe0i khoản, nhanh hÆ¡n.","bauth.welcomeIntroPre":"Ch\xfang t\xf4i sẽ thiết lập t\xe0i khoản người vay của bạn trong","bauth.welcomeIntroBold":"khoảng 90 gi\xe2y","bauth.welcomeIntroPost":". Năm m\xe0n h\xecnh nhanh, rồi bạn đ\xe3 v\xe0o.","bauth.welcomeWhyHeader":"Tại sao cần t\xe0i khoản?","bauth.welcomeBenefit1Label":"LÆ°u tiến tr\xecnh của bạn","bauth.welcomeBenefit1Body":"Điền một phần đơn xin vay v\xe0 quay lại ho\xe0n tất sau — kh\xf4ng mất những g\xec bạn đ\xe3 nhập.","bauth.welcomeBenefit2Label":"Tải t\xe0i liệu l\xean một c\xe1ch an to\xe0n","bauth.welcomeBenefit2Body":"Thả v\xe0o phiếu lÆ°Æ¡ng v\xe0 sao k\xea ng\xe2n h\xe0ng. Được m\xe3 h\xf3a khi truyền v\xe0 khi lÆ°u trữ.","bauth.welcomeBenefit3Label":"Theo d\xf5i khoản vay của bạn theo thời gian thá»±c","bauth.welcomeBenefit3Body":"Xem ch\xednh x\xe1c khoản vay của bạn đang ở giai đoạn n\xe0o v\xe0 ai đang l\xe0m chậm tiến độ.","bauth.welcomeBenefit4Label":"Đường d\xe2y trá»±c tiếp đến nh\xe0 m\xf4i giới của bạn","bauth.welcomeBenefit4Body":"Nhắn tin cho họ từ bất kỳ trang khoản vay n\xe0o. Họ được th\xf4ng b\xe1o ngay lập tức.","bauth.welcomeFooter":"Ch\xfang t\xf4i kh\xf4ng bao giờ b\xe1n dữ liệu của bạn. Mọi th\xf4ng tin đều được m\xe3 h\xf3a khi truyền v\xe0 khi lÆ°u trữ bằng AES 256-bit.","bauth.nameWhyTitle":"Tại sao ch\xfang t\xf4i cần họ t\xean ph\xe1p l\xfd đầy đủ của bạn","bauth.nameWhyPre":"T\xean n\xe0y sẽ xuất hiện tr\xean mọi t\xe0i liệu khoản vay — đơn xin vay, lần k\xe9o t\xedn dụng, v\xe0 giấy tờ ho\xe0n tất của bạn.","bauth.nameWhyBold":"T\xean phải khớp ch\xednh x\xe1c với giấy tờ t\xf9y th\xe2n do ch\xednh phủ cấp của bạn","bauth.nameWhyPost":", bao gồm cả t\xean đệm nếu c\xf3 tr\xean giấy tờ t\xf9y th\xe2n của bạn. Đừng d\xf9ng biệt danh.","bauth.firstNameLabel":"T\xean","bauth.firstNamePlaceholder":"John","bauth.middleNameLabel":"T\xean đệm (t\xf9y chọn)","bauth.middleNamePlaceholder":"Adam","bauth.lastNameLabel":"Họ","bauth.lastNamePlaceholder":"Doe","bauth.emailWhyTitle":"Tại sao ch\xfang t\xf4i cần email của bạn","bauth.emailWhyPre":"Hai l\xfd do. Thứ nhất, ch\xfang t\xf4i gá»­i cho bạn một","bauth.emailWhyBold1":"li\xean kết x\xe1c minh","bauth.emailWhyMid":" để x\xe1c nhận bạn sở hữu hộp thÆ° n\xe0y — đ\xf3 l\xe0 c\xe1ch ch\xfang t\xf4i biết bạn l\xe0 người thật chứ kh\xf4ng phải bot. Thứ hai, ch\xfang t\xf4i d\xf9ng n\xf3 cho ","bauth.emailWhyBold2":"chỉ c\xe1c cập nhật khoản vay quan trọng","bauth.emailWhyPost":" (thay đổi trạng th\xe1i, y\xeau cầu t\xe0i liệu, ph\xe1t h\xe0nh bản c\xf4ng bố ho\xe0n tất). Kh\xf4ng bao giờ c\xf3 thÆ° r\xe1c tiếp thị.","bauth.emailHint":"D\xf9ng email bạn kiểm tra thường xuy\xean.","bauth.passwordWhyTitle":"Tại sao mật khẩu mạnh lại quan trọng","bauth.passwordWhyPre":"T\xe0i khoản của bạn chứa th\xf4ng tin t\xe0i ch\xednh nhạy cảm — thu nhập, số dÆ° t\xe0i sản, v\xe0 cuối c\xf9ng l\xe0 SSN của bạn. Ch\xfang t\xf4i","bauth.passwordWhyBold1":"băm mật khẩu bằng bcrypt","bauth.passwordWhyMid":" (m\xe3 h\xf3a một chiều — ngay cả ch\xfang t\xf4i cÅ©ng kh\xf4ng đọc được), nhÆ°ng mật khẩu yếu vẫn c\xf3 thể bị kẻ tấn c\xf4ng d\xf9ng c\xf4ng cụ tá»± động đo\xe1n ra. H\xe3y nhắm đến ","bauth.passwordWhyBold2":"12 k\xfd tá»± trở l\xean","bauth.passwordWhyPost":" với hỗn hợp chữ c\xe1i, số v\xe0 k\xfd hiệu. Hoặc cứ để ch\xfang t\xf4i tạo một mật khẩu mạnh cho bạn.","bauth.generatePassword":"Tạo mật khẩu mạnh","bauth.copied":"Đ\xe3 sao ch\xe9p","bauth.copyToClipboard":"Sao ch\xe9p v\xe0o bộ nhớ tạm","bauth.confirmPasswordLabel":"X\xe1c nhận mật khẩu","bauth.passwordsNoMatch":"Mật khẩu chÆ°a khớp.","bauth.savePasswordTitle":"LÆ°u mật khẩu n\xe0y ở nÆ¡i an to\xe0n.","bauth.savePasswordBodyPre":"Ch\xfang t\xf4i băm mật khẩu của bạn trước khi lÆ°u trữ (m\xe3 h\xf3a một chiều) — nghÄ©a l\xe0 ngay cả","bauth.savePasswordWe":"ch\xfang t\xf4i","bauth.savePasswordBodyMid":" cÅ©ng kh\xf4ng thể kh\xf4i phục lại cho bạn. Nếu mất, bạn sẽ phải đặt lại qua email. Ch\xfang t\xf4i rất khuyến kh\xedch d\xf9ng tr\xecnh quản l\xfd mật khẩu nhÆ°","bauth.savePasswordComma":",","bauth.savePasswordBodyPost":", hoặc kho kh\xf3a t\xedch hợp sẵn của tr\xecnh duyệt của bạn.","bauth.passwordSamplePlaceholder":"mat-khau-cua-ban","bauth.hidePassword":"Ẩn mật khẩu","bauth.showPassword":"Hiện mật khẩu","bauth.pwStrengthTooShort":"Qu\xe1 ngắn","bauth.pwStrengthWeak":"Yếu — th\xeam độ d\xe0i","bauth.pwStrengthOkay":"Tạm ổn — c\xf3 thể mạnh hÆ¡n","bauth.pwStrengthGood":"Tốt","bauth.pwStrengthExcellent":"Xuất sắc","bauth.securityWhyTitle":"Đ\xe2y l\xe0 g\xec, v\xe0 tại sao n\xf3 l\xe0 t\xf9y chọn","bauth.securityWhyPre":"C\xe2u hỏi bảo mật l\xe0 một","bauth.securityWhyBold1":"lớp bổ sung","bauth.securityWhyMid":" tr\xean mật khẩu của bạn. Nếu ai đ\xf3 đ\xe1nh cắp mật khẩu của bạn v\xe0 cố đăng nhập từ một thiết bị ho\xe0n to\xe0n mới, ch\xfang t\xf4i sẽ hỏi một trong những c\xe2u n\xe0y để x\xe1c nhận đ\xfang l\xe0 bạn. ","bauth.securityWhyBold2":"Bỏ qua nếu bạn muốn chỉ dá»±a v\xe0o m\xe3 qua email","bauth.securityWhyPost":" m\xe0 ch\xfang t\xf4i gá»­i cho c\xe1c lần đăng nhập từ thiết bị mới — c\xe1ch đ\xf3 đ\xe3 đủ an to\xe0n với hầu hết mọi người.","bauth.securityFooter":"Bạn lu\xf4n c\xf3 thể thiết lập sau trong C\xe0i đặt → Bảo mật.","bauth.reviewWhyTitle":"Một điều nữa trước khi ch\xfang t\xf4i tạo t\xe0i khoản của bạn","bauth.reviewWhyBody":'Xem lại th\xf4ng tin bạn đ\xe3 nhập v\xe0 chấp nhận điều khoản của ch\xfang t\xf4i. Hai \xf4 đ\xe1nh dấu ở dưới c\xf9ng l\xe0 bắt buộc — n\xf3i ngắn gọn l\xe0 "ch\xfang t\xf4i sẽ xá»­ l\xfd dữ liệu của bạn cẩn thận v\xe0 kh\xf4ng bao giờ b\xe1n n\xf3". Cập nhật qua tin nhắn l\xe0 t\xf9y chọn; chọn bất kỳ danh mục n\xe0o bạn muốn.',"bauth.phoneLabel":"Số điện thoại","bauth.phoneHint":"Để ch\xfang t\xf4i c\xf3 thể nhắn tin cập nhật khoản vay cho bạn.","bauth.phonePlaceholder":"(415) 555-1234","bauth.reviewNameLabel":"T\xean","bauth.reviewMissing":"(thiếu)","bauth.reviewSecurityLabel":"C\xe2u hỏi bảo mật","bauth.reviewSet":"Đ\xe3 đặt","bauth.reviewSkipped":"Đ\xe3 bỏ qua","bauth.consentTermsPre":"T\xf4i đồng \xfd với","bauth.consentTermsLink":"Điều khoản Dịch vụ của Unified Loan System","bauth.consentPrivacyPre":"T\xf4i đồng \xfd với","bauth.consentPrivacyLink":"Ch\xednh s\xe1ch Bảo mật của Unified Loan System","bauth.consentPrivacyPost":", v\xe0 đồng \xfd cho việc thu thập, xá»­ l\xfd v\xe0 lÆ°u trữ th\xf4ng tin cá»

1§a t\xf4i nhằm mục đ\xedch khởi tạo khoản vay thế chấp của t\xf4i","bauth.edit":"Chỉnh sá»­a","bdash.portalActivityTitle":"Hoạt động tr\xean cổng th\xf4ng tin","bdash.inactiveCount":"{count} kh\xf4ng hoạt động","bdash.noActiveBorrowers":"Kh\xf4ng c\xf3 người vay n\xe0o đang hoạt động","bdash.activeNow":"Đang hoạt động","bdash.daysAgo":"{days} ng\xe0y trước","bdash.remind":"Nhắc nhở","bdash.satisfactionTitle":"Mức độ h\xe0i l\xf2ng của người vay","bdash.scoreExcellent":"Xuất sắc","bdash.scoreGood":"Tốt","bdash.scoreFair":"Trung b\xecnh","bdash.scoreNeedsAttention":"Cần ch\xfa \xfd","bdash.npsProxy":"Chỉ số NPS","bdash.noActiveLoansToMeasure":"Kh\xf4ng c\xf3 khoản vay n\xe0o đang hoạt động để đo lường","bdash.statActive":"Đang hoạt động","bdash.statOnTrack":"Đ\xfang tiến độ","bdash.statClosed":"Đ\xe3 ho\xe0n tất","bdash.enableSurveys":"ChÆ°a c\xf3 dữ liệu khảo s\xe1t -- Bật khảo s\xe1t","bdash.surveysEnabled":"Đ\xe3 bật khảo s\xe1t (chỗ giữ chỗ)","bdash.sentimentTitle":"Cảm nhận của người vay","bdash.sentimentHappy":"H\xe0i l\xf2ng","bdash.sentimentNeutral":"Trung lập","bdash.sentimentConcerned":"Lo lắng","bdash.sentimentFrustrated":"Bá»±c bội","bdash.atRisk":"{count} c\xf3 nguy cÆ¡","bdash.reasonNoUpdates":"Kh\xf4ng c\xf3 cập nhật trong {days} ng\xe0y","bdash.reasonStalledEarly":"Khoản vay bị đ\xecnh trệ ở giai đoạn đầu","bdash.reasonInactive":"Kh\xf4ng hoạt động trong {days} ng\xe0y","bdash.reasonConditionsPending":"C\xf2n điều kiện chÆ°a ho\xe0n th\xe0nh","bdash.reasonNearClosing":"Sắp ho\xe0n tất","bdash.reasonStrongProgress":"Tiến triển tốt","bdash.reasonProgressingNormally":"Đang tiến triển b\xecnh thường","bdash.communicationTimelineTitle":"D\xf2ng thời gian li\xean lạc","bdash.recentCount":"{count} gần đ\xe2y","bdash.noRecentCommunication":"Kh\xf4ng c\xf3 li\xean lạc gần đ\xe2y","bdash.timeJustNow":"Vừa xong","bdash.timeMinsAgo":"{mins} ph\xfat trước","bdash.timeHoursAgo":"{hours} giờ trước","bdash.timeYesterday":"H\xf4m qua","bdash.timeDaysAgo":"{days} ng\xe0y trước","bdash.timeWeeksAgo":"{weeks} tuần trước","bdash.touchpointStatus":"Khoản vay đ\xe3 chuyển sang {stage}","bdash.touchpointDocument":"Đ\xe3 tải l\xean {file}","bdash.touchpointWelcomeEmail":"Đ\xe3 gá»­i email ch\xe0o mừng","bdash.documentRequestsTitle":"Y\xeau cầu t\xe0i liệu","bdash.docW2":"W-2","bdash.docPayStubs":"Phiếu lÆ°Æ¡ng","bdash.docBankStatements":"Sao k\xea ng\xe2n h\xe0ng","bdash.docTaxReturns":"Tờ khai thuế","bdash.docPhotoId":"Giấy tờ t\xf9y th\xe2n c\xf3 ảnh","bdash.docPurchaseAgreement":"Hợp đồng mua b\xe1n","bdash.docHoi":"HOI","bdash.missingCount":"thiếu {count}","bdash.allDocumentsReceived":"Đ\xe3 nhận tất cả t\xe0i liệu","bdash.loanCountSingular":"{count} khoản vay","bdash.loanCountPlural":"{count} khoản vay","bdash.daysPendingShort":"{days} ng\xe0y","bdash.moreCount":"+{count} nữa","bdash.quickMessageTitle":"Tin nhắn nhanh","bdash.recipientLabel":"Người nhận","bdash.selectRecipientAria":"Chọn người vay nhận tin","bdash.selectBorrowerOption":"Chọn người vay...","bdash.channelLabel":"K\xeanh","bdash.channelEmail":"Email","bdash.channelSms":"SMS","bdash.toPrefix":"Đến: {contact}","bdash.noEmailOnFile":"Kh\xf4ng c\xf3 email được lÆ°u","bdash.noPhoneOnFile":"Kh\xf4ng c\xf3 số điện thoại được lÆ°u","bdash.messageLabel":"Tin nhắn","bdash.emailPlaceholder":"Nhập nội dung email của bạn...","bdash.smsPlaceholder":"Nhập SMS của bạn (160 k\xfd tá»±)...","bdash.sending":"Đang gá»­i...","bdash.sent":"Đ\xe3 gá»­i!","bdash.sendEmail":"Gá»­i email","bdash.sendSms":"Gá»­i SMS","bapply.addr.currentAddress":"Địa chỉ hiện tại","bapply.addr.streetAddress":"Địa chỉ đường phố","bapply.addr.unit":"Số căn hộ","bapply.addr.city":"Th\xe0nh phố","bapply.addr.state":"Tiểu bang","bapply.addr.zipCode":"M\xe3 ZIP","bapply.addr.country":"Quốc gia","bapply.addr.housingStatus":"T\xecnh trạng nh\xe0 ở","bapply.addr.housingOwn":"Sở hữu","bapply.addr.housingRent":"Thu\xea","bapply.addr.housingRentFree":"Ở miễn ph\xed","bapply.addr.yearsAtAddress":"Số năm ở địa chỉ","bapply.addr.monthsAtAddress":"Số th\xe1ng ở địa chỉ","bapply.addr.monthlyRent":"Tiền thu\xea h\xe0ng th\xe1ng ($)","bapply.gift.removeAria":"X\xf3a qu\xe0 tặng hoặc trợ cấp {index}","bapply.gift.type":"Loại","bapply.gift.selectType":"Chọn loại…","bapply.gift.typeCash":"Qu\xe0 tặng tiền mặt","bapply.gift.typeEquity":"Qu\xe0 tặng vốn sở hữu","bapply.gift.typeOther":"Trợ cấp kh\xe1c","bapply.gift.source":"Nguồn","bapply.gift.selectSource":"Chọn nguồn…","bapply.gift.sourceRelative":"Người th\xe2n","bapply.gift.sourceEmployer":"Người sá»­ dụng lao động","bapply.gift.sourceAgency":"CÆ¡ quan","bapply.gift.sourceOther":"Kh\xe1c","bapply.gift.amount":"Số tiền","bapply.gift.emptyTitle":"ChÆ°a th\xeam qu\xe0 tặng hoặc trợ cấp n\xe0o","bapply.gift.emptyDesc":"Th\xeam bất kỳ qu\xe0 tặng tiền mặt, qu\xe0 tặng vốn sở hữu hoặc quỹ trợ cấp n\xe0o bạn nhận được cho khoản vay n\xe0y.","bapply.gift.addCta":"Th\xeam qu\xe0 tặng/trợ cấp","bapply.gift.addAnother":"Th\xeam qu\xe0 tặng hoặc trợ cấp kh\xe1c","bapply.nav.cancelEdit":"Hủy chỉnh sá»­a","bapply.nav.previousSection":"Phần trước","bapply.nav.startFreshTitle":"X\xf3a tất cả c\xe1c trường được điền sẵn từ khoản vay trước của bạn","bapply.nav.startFresh":"Bắt đầu lại","bapply.nav.lastSaved":"LÆ°u lần cuối: {time}","bapply.nav.saveChanges":"LÆ°u thay đổi","bapply.nav.finishExit":"Ho\xe0n tất & Tho\xe1t","bapply.nav.nextSection":"Phần tiếp theo","bapply.nav.submitApplication":"Gá»­i đơn đăng k\xfd","bapply.nav.saveDraft":"LÆ°u bản nh\xe1p","bapply.sidebar.sections":"C\xe1c phần","bapply.topbar.title":"Đơn đăng k\xfd khoản vay","bapply.topbar.editTitle":"Chỉnh sá»­a đơn đăng k\xfd khoản vay","bapply.emp.applicationAdvisor":"Cố vấn đơn đăng k\xfd","bapply.emp.fixThis":"Sá»­a mục n\xe0y","bapply.emp.emptyTitle":"ChÆ°a th\xeam th\xf4ng tin việc l\xe0m n\xe0o","bapply.emp.empty

1Desc":"B\xean cho vay y\xeau cầu \xedt nhất hai năm lịch sử việc l\xe0m. H\xe3y th\xeam c\xf4ng việc hiện tại trước, sau đ\xf3 th\xeam c\xe1c c\xf4ng việc trước đ\xf3 nếu cần.","bapply.emp.addCta":"Th\xeam việc l\xe0m","bapply.emp.removeAria":"X\xf3a việc l\xe0m {index}","bapply.emp.detailsHeading":"Chi tiết việc l\xe0m","bapply.emp.employerName":"T\xean người sử dụng lao động","bapply.emp.employerPhone":"Điện thoại người sử dụng lao động (t\xf9y chọn)","bapply.emp.employerAddress":"Địa chỉ người sử dụng lao động","bapply.emp.employerAddressHint":"(t\xf9y chọn \xb7 hữu \xedch cho VOE)","bapply.emp.street":"Đường phố","bapply.emp.city":"Th\xe0nh phố","bapply.emp.state":"Tiểu bang","bapply.emp.zip":"M\xe3 ZIP","bapply.emp.startDate":"Ng\xe0y bắt đầu","bapply.emp.endDate":"Ng\xe0y kết th\xfac","bapply.emp.endDatePlaceholder":"Để trống nếu l\xe0 c\xf4ng việc hiện tại","bapply.emp.yearsInLineOfWork":"Số năm trong lĩnh vực n\xe0y","bapply.emp.yearsInLineOfWorkPlaceholder":"Tổng số năm trong nghề","bapply.emp.yearsInLineOfWorkHint":"Tổng số năm trong lĩnh vực nghề nghiệp n\xe0y qua tất cả người sử dụng lao động (kh\xf4ng chỉ c\xf4ng việc n\xe0y).","bapply.emp.employmentType":"Loại việc l\xe0m","bapply.emp.selfEmployed":"Tự kinh doanh","bapply.emp.ownershipShare":"Tỷ lệ sở hữu (%)","bapply.emp.positionTitle":"Chức vụ / Chức danh","bapply.emp.yearsOnJob":"Số năm l\xe0m việc","bapply.emp.monthsOnJob":"Số th\xe1ng l\xe0m việc","bapply.emp.employedByFamily":"C\xf3 l\xe0m việc cho người th\xe2n kh\xf4ng?","bapply.emp.employedByParty":"C\xf3 l\xe0m việc cho một b\xean trong giao dịch kh\xf4ng?","bapply.emp.monthlyIncomeDetails":"Chi tiết thu nhập h\xe0ng th\xe1ng","bapply.emp.baseSalary":"Lương cơ bản","bapply.emp.overtime":"Tăng ca","bapply.emp.bonus":"Tiền thưởng","bapply.emp.commission":"Hoa hồng","bapply.emp.military":"Qu\xe2n đội","bapply.emp.otherIncome":"Kh\xe1c","bapply.emp.totalMonthlyIncome":"Tổng thu nhập h\xe0ng th\xe1ng:","bapply.asset.toastReplaced":"Đ\xe3 thay thế c\xe1c mục nhập của bạn bằng t\xe0i khoản ng\xe2n h\xe0ng của bạn.","bapply.asset.toastAddedOne":"Đ\xe3 th\xeam 1 t\xe0i khoản từ ng\xe2n h\xe0ng của bạn.","bapply.asset.toastAddedMany":"Đ\xe3 th\xeam {count} t\xe0i khoản từ ng\xe2n h\xe0ng của bạn.","bapply.asset.verifyTitle":"X\xe1c minh t\xe0i sản của bạn","bapply.asset.verifyDesc":"Kết nối ng\xe2n h\xe0ng của bạn một c\xe1ch an to\xe0n để tự động nhập số dư t\xe0i khoản. Kh\xf4ng cần nhập thủ c\xf4ng. Ch\xfang t\xf4i sử dụng m\xe3 h\xf3a cấp ng\xe2n h\xe0ng.","bapply.asset.toastReconnected":"Đ\xe3 kết nối lại ng\xe2n h\xe0ng — dữ liệu khoản vay của bạn đ\xe3 được cập nhật.","bapply.asset.bankConnected":"Đ\xe3 kết nối ng\xe2n h\xe0ng","bapply.asset.toastDisconnected":"Đ\xe3 ngắt kết nối ng\xe2n h\xe0ng. Đ\xe3 x\xf3a dữ liệu t\xe0i ch\xednh được lưu trong bộ nhớ đệm.","bapply.asset.toastConnected":"Đ\xe3 kết nối t\xe0i khoản ng\xe2n h\xe0ng — đang lấy c\xe1c t\xe0i khoản của bạn…","bapply.asset.analysisTitle":"Ph\xe2n t\xedch t\xe0i sản","bapply.asset.fixThis":"Sửa mục n\xe0y","bapply.asset.detailsHeading":"Chi tiết t\xe0i sản","bapply.asset.removeAria":"X\xf3a t\xe0i sản {index}","bapply.asset.accountType":"Loại t\xe0i khoản","bapply.asset.selectAccountType":"Chọn loại t\xe0i khoản…","bapply.asset.typeChecking":"T\xe0i khoản thanh to\xe1n","bapply.asset.typeSavings":"T\xe0i khoản tiết kiệm","bapply.asset.typeMoneyMarket":"T\xe0i khoản thị trường tiền tệ","bapply.asset.typeMutualFund":"Quỹ tương hỗ","bapply.asset.typeStocks":"Cổ phiếu","bapply.asset.typeRetirement":"Hưu tr\xed (401k, IRA)","bapply.asset.typeOther":"Kh\xe1c","bapply.asset.financialInstitution":"Tổ chức t\xe0i ch\xednh","bapply.asset.accountLast4":"Số t\xe0i khoản (4 số cuối)","bapply.asset.cashMarketValue":"Gi\xe1 trị tiền mặt / thị trường","bapply.asset.emptyTitle":"Chưa liệt 

1k\xea t\xe0i sản n\xe0o","bapply.asset.emptyDesc":"Th\xeam t\xe0i khoản ng\xe2n h\xe0ng, hưu tr\xed hoặc c\xe1c t\xe0i sản t\xe0i ch\xednh kh\xe1c để hỗ trợ đơn đăng k\xfd của bạn.","bapply.asset.addCta":"Th\xeam t\xe0i sản","bapply.asset.totalAssets":"Tổng t\xe0i sản:","bapply.liab.debtAnalysis":"Ph\xe2n t\xedch nợ","bapply.liab.fixThis":"Sửa mục n\xe0y","bapply.liab.removeAria":"X\xf3a khoản nợ {index}","bapply.liab.detailsHeading":"Chi tiết khoản nợ","bapply.liab.type":"Loại","bapply.liab.selectType":"Chọn loại khoản nợ…","bapply.liab.typeRevolving":"T\xedn dụng quay v\xf2ng (thẻ t\xedn dụng)","bapply.liab.typeInstallment":"Trả g\xf3p (khoản vay)","bapply.liab.typeLease":"Thu\xea mua","bapply.liab.typeOther":"Kh\xe1c","bapply.liab.creditorName":"T\xean chủ nợ","bapply.liab.accountNumber":"Số t\xe0i khoản","bapply.liab.unpaidBalance":"Tổng số dư chưa thanh to\xe1n","bapply.liab.monthsLeft":"Số th\xe1ng c\xf2n lại (t\xf9y chọn)","bapply.liab.monthlyPayment":"Khoản thanh to\xe1n tối thiểu h\xe0ng th\xe1ng","bapply.liab.paidOffAtClosing":"Sẽ được thanh to\xe1n hết khi ho\xe0n tất","bapply.liab.resubordinated":"T\xe1i cấp dưới (b\xean cho vay sẽ tư vấn)","bapply.liab.excludedFromDti":"Loại trừ khỏi t\xednh to\xe1n DTI","bapply.liab.emptyTitle":"Chưa liệt k\xea khoản nợ n\xe0o","bapply.liab.emptyDesc":"Liệt k\xea thẻ t\xedn dụng, khoản vay v\xe0 hợp đồng thu\xea của bạn. Nếu bạn k\xe9o t\xedn dụng b\xean dưới, những mục n\xe0y sẽ được điền tự động.","bapply.liab.addCta":"Th\xeam khoản nợ","bapply.liab.totalBalance":"Tổng số dư:","bapply.liab.totalMonthlyPayments":"Tổng khoản thanh to\xe1n h\xe0ng th\xe1ng:","bapply.re.analysisTitle":"Ph\xe2n t\xedch bất động sản","bapply.re.fixThis":"Sửa mục n\xe0y","bapply.re.removePropertyAria":"X\xf3a bất động sản {index}","bapply.re.detailsHeading":"Chi tiết bất động sản","bapply.re.streetAddress":"Địa chỉ đường phố","bapply.re.city":"Th\xe0nh phố","bapply.re.state":"Tiểu bang","bapply.re.zipCode":"M\xe3 ZIP","bapply.re.propertyValue":"Gi\xe1 trị bất động sản","bapply.re.status":"Trạng th\xe1i","bapply.re.statusRetained":"Giữ lại","bapply.re.statusSold":"Đ\xe3 b\xe1n","bapply.re.statusPending":"Đang chờ","bapply.re.intendedOccupancy":"Mục đ\xedch sử dụng dự kiến","bapply.re.occPrimary":"Ch\xednh","bapply.re.occInvestment":"Đầu tư","bapply.re.occSecondHome":"Nh\xe0 thứ hai","bapply.re.monthlyInsuranceTaxesHoa":"Bảo hiểm, thuế, HOA h\xe0ng th\xe1ng","bapply.re.monthlyRentalIncome":"Thu nhập cho thu\xea h\xe0ng th\xe1ng","bapply.re.mortgageLoansHeading":"C\xe1c khoản vay thế chấp tr\xean bất động sản n\xe0y","bapply.re.addMortgage":"Th\xeam khoản thế chấp","bapply.re.creditorName":"T\xean chủ nợ","bapply.re.accountNumber":"Số t\xe0i khoản","bapply.re.balance":"Số dư","bapply.re.payment":"Khoản thanh to\xe1n","bapply.re.loanTypeAria":"Loại khoản vay cho khoản thế chấp {mortgage} tr\xean bất động sản {property}","bapply.re.typePlaceholder":"Loại…","bapply.re.typeConventional":"Th\xf4ng thường","bapply.re.typeOther":"Kh\xe1c","bapply.re.removeMortgageAria":"X\xf3a khoản thế chấp {mortgage} khỏi bất động sản {property}","bapply.re.noMortgages":"Chưa liệt k\xea khoản thế chấp n\xe0o.","bapply.re.emptyTitle":"Chưa liệt k\xea bất động sản n\xe0o","bapply.re.emptyDesc":"Nếu bạn sở hữu bất động sản n\xe0o, h\xe3y th\xeam v\xe0o đ\xe2y. Bạn c\xf3 thể bỏ qua phần n\xe0y nếu kh\xf4ng sở hữu bất động sản.","bapply.re.addCta":"Th\xeam bất động sản","bapply.re.addAnother":"Th\xeam bất động sản kh\xe1c","bapply.guest.step1Title":"Cho ch\xfang t\xf4i biết về bạn","bapply.guest.step2Title":"Bạn đang t\xe0i trợ cho g\xec","bapply.guest.step3Title":"C\xe1c con số (ước lượng cũng được)","bapply.guest.step4Title":"Thời gian của bạn & c\xe1ch li\xean hệ với bạn","bapply.guest.step5Title":"Th\xf4ng tin li\xean hệ của bạn","bapply.guest.couldNotSave":"Kh\xf4ng thể lưu ({status}

1).","bapply.guest.networkError":"Lỗi mạng","bapply.guest.backToLanding":"Quay lại trang ch\xednh","bapply.guest.preApplicationPill":"Tiền đăng k\xfd \xb7 Kh\xf4ng cần SSN, kh\xf4ng kiểm tra t\xedn dụng","bapply.guest.stepCounter":"Bước {current} trong {total} \xb7 Th\xf4ng tin n\xe0y chuyển thẳng v\xe0o đơn đăng k\xfd đầy đủ của bạn — bạn sẽ kh\xf4ng phải nhập lại bất kỳ th\xf4ng tin n\xe0o.","bapply.guest.continueOrSkip":"Tiếp tục (hoặc bỏ qua)","bapply.guest.continue":"Tiếp tục","bapply.guest.continueToAccount":"Tiếp tục đến thiết lập t\xe0i khoản","bapply.guest.encryptedFooter":"Được m\xe3 h\xf3a trong một cookie đ\xe3 k\xfd c\xf3 thời hạn ngắn. Kh\xf4ng c\xf3 g\xec được ghi v\xe0o cÆ¡ sở dữ liệu của ch\xfang t\xf4i cho đến khi bạn tạo t\xe0i khoản.","bapply.guest.yes":"C\xf3","bapply.guest.no":"Kh\xf4ng","bapply.guest.s1WhyTitle":"Ba c\xe2u hỏi nhanh c\xf3/kh\xf4ng","bapply.guest.s1WhyBodyA":"Ch\xfang t\xf4i hỏi những c\xe2u n\xe0y để c\xf3 thể ","bapply.guest.s1WhyBodyStrong":"chỉ hiển thị cho bạn c\xe1c chÆ°Æ¡ng tr\xecnh khoản vay m\xe0 bạn thá»±c sá»± đủ điều kiện","bapply.guest.s1WhyBodyB":". ChÆ°Æ¡ng tr\xecnh cho người mua nh\xe0 lần đầu, khoản vay VA cho cá»±u chiến binh, th\xf4ng thường so với jumbo — c\xe1c con đường kh\xe1c nhau t\xf9y theo ho\xe0n cảnh của bạn. Bỏ qua c\xe2u n\xe0o cÅ©ng được; kh\xf4ng c\xf3 g\xec ở đ\xe2y mang t\xednh r\xe0ng buộc.","bapply.guest.s1ApplyingWithAnyone":"Bạn c\xf3 đăng k\xfd c\xf9ng người kh\xe1c kh\xf4ng?","bapply.guest.s1JustMe":"Chỉ m\xecnh t\xf4i","bapply.guest.s1Spouse":"Vợ/chồng","bapply.guest.s1Partner":"Bạn đời","bapply.guest.s1FamilyFriend":"Người th\xe2n / bạn b\xe8","bapply.guest.s1BoughtBefore":"Bạn đ\xe3 từng mua nh\xe0 chÆ°a?","bapply.guest.s1BoughtBeforeYes":"C\xf3, t\xf4i đ\xe3 mua trước đ\xe2y","bapply.guest.s1BoughtBeforeNo":"ChÆ°a, đ\xe2y sẽ l\xe0 lần đầu ti\xean của t\xf4i","bapply.guest.s1Veteran":"Bạn đ\xe3 phục vụ trong qu\xe2n đội hoặc l\xe0 cá»±u chiến binh kh\xf4ng?","bapply.guest.s1VeteranHint":"Mở kh\xf3a điều kiện khoản vay VA — thường l\xe0 0% trả trước + kh\xf4ng c\xf3 PMI.","bapply.guest.s2WhyTitle":"Ở đ\xe2u + loại bất động sản n\xe0o?","bapply.guest.s2WhyBody":"Vị tr\xed bất động sản quyết định c\xe1c th\xf4ng tin c\xf4ng bố ở cấp tiểu bang v\xe0 ước t\xednh thuế. Loại bất động sản thay đổi điều kiện của b\xean cho vay — v\xed dụ, căn hộ phải qua đ\xe1nh gi\xe1 dá»± \xe1n, nh\xe0 lắp gh\xe9p cần chứng nhận m\xf3ng, v\xe0 bất động sản nhiều căn hộ c\xf3 quy tắc DTI kh\xe1c nhau.","bapply.guest.s2LoanPurpose":"Bạn dá»± định l\xe0m g\xec với khoản vay n\xe0y?","bapply.guest.s2PurposeBuying":"Mua nh\xe0","bapply.guest.s2PurposeRefiRate":"T\xe1i cấp vốn — l\xe3i suất tốt hÆ¡n","bapply.guest.s2PurposeRefiCash":"T\xe1i cấp vốn — r\xfat tiền mặt","bapply.guest.s2Occupancy":"Bạn sẽ sá»­ dụng bất động sản nhÆ° thế n\xe0o?","bapply.guest.s2OccPrimary":"NÆ¡i ở ch\xednh","bapply.guest.s2OccSecond":"Nh\xe0 thứ hai","bapply.guest.s2OccInvestment":"Đầu tÆ°","bapply.guest.s2PropertyType":"Loại bất động sản","bapply.guest.s2TypeSingleFamily":"Nh\xe0 đơn lập","bapply.guest.s2TypeCondo":"Căn hộ chung cÆ°","bapply.guest.s2TypeMultiUnit":"2-4 căn hộ","bapply.guest.s2TypeManufactured":"Nh\xe0 lắp gh\xe9p","bapply.guest.s2StreetAddress":"Địa chỉ đường phố của bất động sản","bapply.guest.s2StreetPlaceholder":"123 Main St","bapply.guest.s2City":"Th\xe0nh phố","bapply.guest.s2State":"Tiểu bang","bapply.guest.s2StateHint":"2 chữ c\xe1i","bapply.guest.s2Zip":"M\xe3 ZIP","bapply.guest.s3WhyTitle":"B\xe1o gi\xe1 ước lượng — con số ch\xednh x\xe1c sẽ c\xf3 sau","bapply.guest.s3WhyBodyA":"Ch\xfang t\xf4i d\xf9ng những con số n\xe0y để","bapply.guest.s3WhyBodyStrong":"hiển thị cho bạn l\xe3i suất thá»±c tế v\xe0 ước t\xednh khoản thanh to\xe1n h\xe0ng th\xe1ng","bapply.guest.s3WhyBodyB":"ở trang tiếp theo. Đừng lo nếu lệch v\xe0i ngh\xecn — ch\xfang t\xf4i sẽ tinh chỉnh mọi thứ khi bạn ho\xe0n th\xe0nh đơn đăng k\xfd đầy đủ.","bapply.guest.s3PropertyValue":"Gi\xe1 trị bất động sản ước t\xednh ($)","bapply.guest.s3PropertyValueHint":"Bạn nghÄ© n\xf3 đ\xe1ng gi\xe1 bao nhi\xeau.","bapply.guest.s3LoanAmount":"Số tiền vay ước t\xednh ($)","bapply.guest.s3LoanAmountHint":"Số tiền bạn sẽ vay.","bapply.guest.s3ImpliedLtv":"LTV ngụ \xfd","bapply.guest.s3ImpliedDownPayment":"Khoản trả trước ngụ \xfd","bapply.guest.s3DownPaymentSource":"Khoản trả trước đến từ đ\xe2u?","bapply.guest.s3DownPaymentSourceHint":"T\xf9y chọn — chỉ gi\xfap ch\xfang t\xf4i định hướng đến đ\xfang sản phẩm khoản vay.","bapply.guest.s3DpSavings":"Tiền tiết kiệm","bapply.guest.s3DpGift":"Qu\xe0 tặng","bapply.guest.s3DpSaleOfHome":"B\xe1n nh\xe0","bapply.guest.s3DpRetirement":"401(k) / IRA","bapply.guest.s3DpOther":"Kh\xe1c","bapply.guest.s4WhyTitle":"Để nh\xe0 m\xf4i giới của bạn c\xf3 thể l\xean kế hoạch ph\xf9 hợp với bạn","bapply.guest.s4WhyBodyA":"Thời gian của bạn cho ch\xfang t\xf4i biết cần th\xfac đẩy hồ sÆ¡ mạnh đến mức n\xe0o.","bapply.guest.s4WhyShopping":"Chỉ đang tham khảo?","bapply.guest.s4WhyBodyB":"Ch\xfang t\xf4i sẽ gá»­i cảnh b\xe1o l\xe3i suất v\xe0 kh\xf4ng l\xe0m phiền bạn.","bapply.guest.s4WhyAsap":"C\xe0ng sớm c\xe0ng tốt?","bapply.guest.s4WhyBodyC":"Hồ sÆ¡ của bạn được Æ°u ti\xean v\xe0 ch\xfang t\xf4i sẽ l\xe0m việc ban đ\xeam để kịp ng\xe0y ho\xe0n tất của bạn.","bapply.guest.s4ClosingTimeline":"Bạn hy vọng ho\xe0n tất khi n\xe0o?","bapply.guest.s4Days3060":"30-60 ng\xe0y","bapply.guest.s4Days6090":"60-90 ng\xe0y","bapply.guest.s4Days90plus":"90+ ng\xe0y","bapply.guest.s4JustShopping":"Chỉ đang tham khảo","bapply.guest.s4ContactMethod":"Nh\xe0 m\xf4i giới của bạn n\xean li\xean hệ với bạn bằng c\xe1ch n\xe0o?","bapply.guest.s4EmailOnly":"Chỉ email","bapply.guest.s4PhoneCalls":"Cuộc gọi điện thoại","bapply.guest.s4EitherFine":"Cả hai đều được","bapply.guest.s4BestTime":"Thời điểm tốt nhất trong ng\xe0y để gọi / phản hồi","bapply.guest.s4Morning":"Buổi s\xe1ng","bapply.guest.s4Afternoon":"Buổi chiều","bapply.guest.s4Evening":"Buổi tối","bapply.guest.s4Anytime":"Bất cứ l\xfac n\xe0o","bapply.guest.s5WhyTitle":"Điều cuối c\xf9ng — ch\xfang t\xf4i li\xean hệ với bạn bằng c\xe1ch n\xe0o?","bapply.guest.s5WhyBodyA":"Chỉ đủ để theo d\xf5i. T\xean của bạn, một email cho li\xean kết x\xe1c minh, v\xe0 số điện thoại nếu bạn n\xf3i muốn nhận cuộc gọi.","bapply.guest.s5WhyBodyStrong":"Ch\xfang t\xf4i sẽ kh\xf4ng kiểm tra t\xedn dụng, kh\xf4ng chia sẻ th\xf4ng tin cá»

1§a bạn, v\xe0 kh\xf4ng gá»­i email r\xe1c tiếp thị.","bapply.guest.s5FirstName":"T\xean","bapply.guest.s5LastName":"Họ","bapply.guest.s5Email":"Email","bapply.guest.s5EmailHint":"Ch\xfang t\xf4i sẽ gá»­i li\xean kết thiết lập t\xe0i khoản của bạn đến đ\xe2y.","bapply.guest.s5Phone":"Điện thoại","bapply.guest.s5PhoneOptional":"Điện thoại (t\xf9y chọn)","bapply.guest.s5PhoneHintRequired":"Bạn n\xf3i muốn nhận cuộc gọi — ch\xfang t\xf4i cần một số điện thoại.","bapply.guest.s5PhoneHintOptional":"Chỉ được sá»­ dụng nếu nh\xe0 m\xf4i giới của bạn cần li\xean hệ với bạn.","bapply.step1.scanLicense":"Qu\xe9t bằng l\xe1i xe","bapply.step1.fastMobileAuth":"X\xe1c thá»±c di động nhanh","bapply.step1.manualEntryToast":"Tiếp tục nhập thủ c\xf4ng.","bapply.step1.identityVerifiedToast":"Đ\xe3 x\xe1c minh danh t\xednh! 1003 đ\xe3 được điền sẵn th\xe0nh c\xf4ng.","bapply.step1.aamvaReviewToast":"Ch\xfang t\xf4i đ\xe3 điền sẵn những g\xec c\xf3 thể từ ID của bạn — vui l\xf2ng kiểm tra lại c\xe1c trường được t\xf4 s\xe1ng.","bapply.step1.aamvaVerifiedToast":"Đ\xe3 x\xe1c minh bằng l\xe1i xe — dữ liệu đ\xe3 được điền sẵn.","bapply.step1.headerTitle":"Th\xf4ng tin người vay","bapply.step1.headerDesc":"Cho ch\xfang t\xf4i biết về bạn — t\xean, th\xf4ng tin li\xean hệ v\xe0 nÆ¡i bạn sống.","bapply.step1.autofillTitle":"Đ\xe3 điền sẵn từ khoản vay trước của bạn.","bapply.step1.autofillBodyA":"C\xe1c trường được đ\xe1nh dấu","bapply.step1.autofillBadge":"Khoản vay trước","bapply.step1.autofillBodyB":"đ\xe3 được sao ch\xe9p tá»± động. Chỉnh sá»­a bất kỳ trường n\xe0o để cập nhật, hoặc d\xf9ng “Bắt đầu lại” ở ch\xe2n trang.","bapply.step1.firstName":"T\xean","bapply.step1.middleName":"T\xean đệm","bapply.step1.noMiddleName":"T\xf4i kh\xf4ng c\xf3 t\xean đệm (hoặc kh\xf4ng c\xf3 tr\xean ID của t\xf4i)","bapply.step1.lastName":"Họ","bapply.step1.suffix":"Hậu tố (t\xf9y chọn \xb7 Jr, Sr, III, v.v.)","bapply.step1.alternateNames":"T\xean thay thế (t\xf9y chọn \xb7 t\xean bạn đ\xe3 d\xf9ng trong qu\xe1 khứ)","bapply.step1.alternateNamesPlaceholder":"v\xed dụ: t\xean thời con g\xe1i","bapply.step1.email":"Email","bapply.step1.cellPhone":"Điện thoại di động","bapply.step1.homePhone":"Điện thoại nh\xe0 (t\xf9y chọn)","bapply.step1.workPhone":"Điện thoại cÆ¡ quan (t\xf9y chọn)","bapply.step1.dateOfBirth":"Ng\xe0y sinh","bapply.step1.dobHint":"Theo y\xeau cầu của quy định cho vay li\xean bang để x\xe1c minh danh t\xednh của bạn.","bapply.step1.ssn":"Số An sinh X\xe3 hội","bapply.step1.ssnHint":"Ch\xfang t\xf4i d\xf9ng số n\xe0y để lấy b\xe1o c\xe1o t\xedn dụng của bạn. Được truyền qua TLS v\xe0 kh\xf4ng bao giờ bị b\xe1n.","bapply.step1.maritalStatus":"T\xecnh trạng h\xf4n nh\xe2n","bapply.step1.required":"* Bắt buộc","bapply.step1.maritalMarried":"Đ\xe3 kết h\xf4n","bapply.step1.maritalSeparated":"Ly th\xe2n","bapply.step1.maritalUnmarriedLong":"ChÆ°a kết h\xf4n (độc th\xe2n, ly h\xf4n, g\xf3a)","bapply.step1.citizenship":"Quốc tịch","bapply.step1.citizenUs":"C\xf4ng d\xe2n Hoa Kỳ","bapply.step1.citizenPermanent":"Thường tr\xfa nh\xe2n nước ngo\xe0i","bapply.step1.citizenNonPermanent":"Người nước ngo\xe0i kh\xf4ng thường tr\xfa","bapply.step1.currentAddress":"Địa chỉ hiện tại","bapply.step2.headerTitle":"Th\xf4ng tin việc l\xe0m","bapply.step2.headerDesc":"Cho ch\xfang t\xf4i biết về lịch sá»­ c\xf4ng việc của bạn trong hai năm qua. Bao gồm tất cả c\xf4ng việc, kể cả b\xe1n thời gian.","bapply.step2.autofillTitle":"Việc l\xe0m đ\xe3 được điền sẵn từ khoản vay trước của bạn.","bapply.step2.autofillBody":"Cập nhật bất kỳ trường n\xe0o nếu t\xecnh h\xecnh của bạn đ\xe3 thay đổi.","bapply.step3.headerTitle":"Th\xf4ng tin t\xe0i ch\xednh — T\xe0i sản","bapply.step3.headerDesc":"Liệt k\xea t\xe0i khoản ng\xe2n h\xe0ng, t\xe0i khoản hÆ°u tr\xed v\xe0 c\xe1c t\xe0i sản t\xe0i ch\xednh kh\xe1c của bạn.","bapply.step3.giftsTitle":"Qu\xe0 tặng hoặc trợ cấp","bapply.step3.giftsDesc":"Qu\xe0 tặng hoặc trợ cấp bạn đ\xe3 hoặc sẽ nhận được cho khoản vay n\xe0y.","bapply.step4.pullSuccessToast":"Đ\xe3 lấy th\xe0nh c\xf4ng Tri-Merge của Factual Data! Điểm: {score}","bapply.step4.pullFailToast":"Kh\xf4ng lấy được t\xedn dụng","bapply.step4.pullNetworkErrorToast":"Lỗi mạng khi kết nối với Factual Data.","bapply.step4.creditVerified":"Đ\xe3 x\xe1c minh t\xedn dụng: {score}","bapply.step4.pullingCredit":"Đang lấy t\xedn dụng…","bapply.step4.pullCredit":"Lấy t\xedn dụng qua Factual Data","bapply.step4.headerTitle":"Th\xf4ng tin t\xe0i ch\xednh — Khoản nợ","bapply.step4.headerDesc":"Liệt k\xea thẻ t\xedn dụng, khoản vay, hợp đồng thu\xea v\xe0 bất kỳ nghÄ©a vụ nợ h\xe0ng th\xe1ng n\xe0o kh\xe1c.","bapply.step5.headerTitle":"Th\xf4ng tin t\xe0i ch\xednh — Bất động sản","bapply.step5.headerDesc":"Liệt k\xea bất kỳ bất động sản n\xe0o bạn hiện sở hữu, bao gồm địa chỉ, gi\xe1 trị ước t\xednh v\xe0 bất kỳ khoản thế chấp n\xe0o tr\xean đ\xf3.","bapply.step6.headerTitle":"Th\xf4ng tin khoản vay & bất động sản","bapply.step6.headerDesc":"Cho ch\xfang t\xf4i biết về bất động sản bạn đang mua hoặc t\xe1i cấp vốn v\xe0 bạn muốn vay bao nhi\xeau.","bapply.step6.loanAnalysis":"Ph\xe2n t\xedch khoản vay","bapply.step6.fixThis":"Sá»­a mục n\xe0y","bapply.step6.loanAmount":"Số tiền vay","bapply.step6.propertyValue":"Gi\xe1 trị bất động sản (ước t\xednh)","bapply.step6.loanPurpose":"Mục đ\xedch khoản vay","bapply.step6.purposePurchase":"Mua","bapply.step6.purposeRefinance":"T\xe1i cấp vốn","bapply.step6.purposeOther":"Kh\xe1c","bapply.step6.propertyType":"Loại bất động sản","bapply.step6.ptSingleFamily":"Nh\xe0 đơn lập","bapply.step6.ptCondo":"Căn hộ chung cÆ°","bapply.step6.ptTownhouse":"Nh\xe0 phố","bapply.step6.ptMultiFamily":"Nh\xe0 nhiều hộ","bapply.step6.ptOther":"Kh\xe1c","bapply.step6.occupancy":"Mục đ\xedch sá»­ dụng","bapply.step6.occPrimary":"NÆ¡i ở ch\xednh","bapply.step6.occSecond":"Nh\xe0 thứ hai","bapply.step6.occInvestment":"Bất động sản đầu tÆ°","bapply.step6.occFhaSecondary":"NÆ¡i ở phụ FHA","bapply.step6.subjectPropertyAddress":"Địa chỉ bá

1º¥t động sản li\xean quan","bapply.step6.streetAddress":"Địa chỉ đường phố","bapply.step6.city":"Th\xe0nh phố","bapply.step6.state":"Tiểu bang","bapply.step6.zipCode":"M\xe3 ZIP","bapply.step6.mixedUse":"Bất động sản sá»­ dụng hỗn hợp","bapply.step6.manufacturedHome":"Nh\xe0 lắp gh\xe9p","bapply.step6.firstTimeHomebuyer":"Người mua nh\xe0 lần đầu","bapply.step6.subordinateFinancing":"T\xe0i trợ cấp dưới (t\xf9y chọn)","bapply.step6.leaveBlankIfNone":"Để trống nếu kh\xf4ng c\xf3","bapply.step6.estimatedRentalIncome":"Thu nhập cho thu\xea h\xe0ng th\xe1ng ước t\xednh (t\xf9y chọn)","bapply.step6.leaveBlankIfNotRental":"Để trống nếu kh\xf4ng phải nh\xe0 cho thu\xea","bapply.step6.hoaDues":"Ph\xed HOA h\xe0ng th\xe1ng (t\xf9y chọn)","bapply.step6.leaveBlankIfNoHoa":"Để trống nếu kh\xf4ng c\xf3 HOA","bapply.step6.refiTypeLabel":"Loại t\xe1i cấp vốn n\xe0o?","bapply.step6.refiRateTerm":"L\xe3i suất/kỳ hạn","bapply.step6.refiRateTermDesc":"Giảm l\xe3i suất hoặc thay đổi kỳ hạn","bapply.step6.refiCashOut":"R\xfat tiền mặt","bapply.step6.refiCashOutDesc":"R\xfat tiền mặt từ gi\xe1 trị nh\xe0","bapply.step6.cashOutAmount":"Bạn muốn r\xfat khoảng bao nhi\xeau tiền mặt?","bapply.step6.unitCountLabel":"Bất động sản c\xf3 bao nhi\xeau căn (unit)?","bapply.step6.unitCount2":"2 căn","bapply.step6.unitCount3":"3 căn","bapply.step6.unitCount4":"4 căn","bapply.step6.ownershipDetails":"Chi tiết quyền sở hữu bất động sản","bapply.step6.ownershipOptional":"T\xf9y chọn — người m\xf4i giới của bạn c\xf3 thể ho\xe0n tất sau","bapply.step6.estateType":"Bạn sẽ sở hữu bất động sản theo h\xecnh thức n\xe0o?","bapply.step6.estateFeeSimple":"Sở hữu to\xe0n phần (Fee Simple)","bapply.step6.estateFeeSimpleDesc":"Phổ biến nhất — bạn sở hữu cả nh\xe0 v\xe0 đất","bapply.step6.estateLeasehold":"Thu\xea đất (Leasehold)","bapply.step6.estateLeaseholdDesc":"Bạn sở hữu nh\xe0 nhÆ°ng thu\xea đất","bapply.step6.titleManner":"Quyền sở hữu sẽ được đứng t\xean nhÆ° thế n\xe0o?","bapply.step6.titleSole":"Sở hữu ri\xeang","bapply.step6.titleJoint":"Đồng sở hữu c\xf3 quyền thừa kế (Joint Tenants)","bapply.step6.titleCommon":"Đồng sở hữu theo phần (Tenants in Common)","bapply.step6.titleCommunity":"T\xe0i sản chung vợ chồng (Community Property)","bapply.step6.titleUnsureHint":"Kh\xf4ng chắc? H\xe3y bỏ qua — bạn c\xf3 thể quyết định với người m\xf4i giới sau.","bapply.step7.headerTitle":"Khai b\xe1o","bapply.step7.headerDesc":"Trả lời từng c\xe2u hỏi theo t\xecnh huống của bạn. Đ\xe2y l\xe0 những c\xe2u hỏi ti\xeau chuẩn bắt buộc tr\xean mọi đơn đăng k\xfd thế chấp.","bapply.step7.importantDeclarations":"Khai b\xe1o quan trọng","bapply.step7.whyWeAsk":"Tại sao ch\xfang t\xf4i hỏi \xb7 to\xe0n văn","bapply.step7.answerForAria":"C\xe2u trả lời cho: {question}","bapply.step7.yes":"C\xf3","bapply.step7.no":"Kh\xf4ng","bapply.step7.bankruptcyType":"Loại ph\xe1 sản","bapply.step7.selectType":"Chọn loại","bapply.step7.explanationLabel":'Giải th\xedch cho bất kỳ c\xe2u trả lời "C\xf3" n\xe0o (t\xf9y chọn)',"bapply.step7.explanationPlaceholder":"Vui l\xf2ng cung cấp chi tiết cho bất kỳ khai b\xe1o n\xe0o được đ\xe1nh dấu 'C\xf3'... (hoặc nhấn micro để đọc ch\xednh tả)","bapply.step7.q_a_label":"A. Đ\xe2y sẽ l\xe0 nh\xe0 ch\xednh của bạn?","bapply.step7.q_a_full":"Bạn c\xf3 sá»­ dụng bất động sản n\xe0y l\xe0m nÆ¡i ở ch\xednh kh\xf4ng?","bapply.step7.q_b_label":"B. Bạn c\xf3 quan hệ họ h\xe0ng hoặc kinh doanh với người b\xe1n kh\xf4ng?","bapply.step7.q_b_full":"Bạn c\xf3 quan hệ gia đ\xecnh hoặc li\xean kết kinh doanh với người b\xe1n bất động sản kh\xf4ng?","bapply.step7.q_c_label":"C. Vay tiền cho khoản ho\xe0n tất hoặc trả trước từ người kh\xf4ng c\xf3 trong danh s\xe1ch n\xe0y?","bapply.step7.q_c_full":"Bạn c\xf3 vay bất kỳ khoản tiền n\xe0o cho giao dịch bất động sản n\xe0y (v\xed dụ: tiền cho chi ph\xed ho\xe0n tất hoặc trả trước) hoặc nhận bất kỳ khoản tiền n\xe0o từ b\xean kh\xe1c, chẳng hạn nhÆ° người b\xe1n hoặc m\xf4i giới bất động sản, m\xe0 bạn chÆ°a khai b\xe1o tr\xean đơn đăng k\xfd khoản vay n\xe0y kh\xf4ng?","bapply.step7.q_d_label":"D. Đăng k\xfd một khoản thế chấp kh\xe1c ở nÆ¡i kh\xe1c trước khi khoản vay n\xe0y ho\xe0n tất?","bapply.step7.q_d_full":"Bạn đ\xe3 hoặc sẽ đăng k\xfd khoản vay thế chấp tr\xean một bất động sản kh\xe1c (kh\xf4ng phải bất động sản đảm bảo cho khoản vay n\xe0y) v\xe0o hoặc trước khi ho\xe0n tất giao dịch n\xe0y m\xe0 chÆ°a được khai b\xe1o tr\xean đơn đăng k\xfd khoản vay n\xe0y kh\xf4ng?","bapply.step7.q_e_label":"E. Đăng k\xfd bất kỳ khoản t\xedn dụng mới n\xe0o (thẻ, khoản vay, v.v.) trước khi khoản vay n\xe0y ho\xe0n tất?","bapply.step7.q_e_full":"Bạn đ\xe3 hoặc sẽ đăng k\xfd bất kỳ khoản t\xedn dụng mới n\xe0o (v\xed dụ: khoản vay trả g\xf3p, thẻ t\xedn dụng, v.v.) v\xe0o hoặc trước khi ho\xe0n tất khoản vay n\xe0y m\xe0 chÆ°a được khai b\xe1o tr\xean đơn đăng k\xfd n\xe0y kh\xf4ng?","bapply.step7.q_f_label":"F. C\xf3 quyền giữ t\xe0i sản n\xe0o kh\xe1c sẽ đứng trước khoản thế chấp mới kh\xf4ng?","bapply.step7.q_f_full":"Bất động sản n\xe0y c\xf3 chịu một quyền giữ t\xe0i sản c\xf3 thể được Æ°u ti\xean hÆ¡n quyền giữ t\xe0i sản của khoản thế chấp thứ nhất kh\xf4ng?","bapply.step7.q_g_label":"G. L\xe0 người đồng k\xfd hoặc người bảo l\xe3nh cho khoản nợ n\xe0o kh\xf4ng c\xf3 trong danh s\xe1ch n\xe0y?","bapply.step7.q_g_full":"Bạn c\xf3 phải l\xe0 người đồng k\xfd hoặc người bảo l\xe3nh cho bất kỳ khoản nợ hoặc khoản vay n\xe0o chÆ°a được khai b\xe1o tr\xean đơn đăng k\xfd n\xe0y kh\xf4ng?","bapply.step7.q_h_label":"H. C\xf3 bất kỳ ph\xe1n quyết t\xf2a \xe1n n\xe0o chÆ°a giải quyết đối với bạn kh\xf4ng?","bapply.step7.q_i_label":"I. Đang chậm thanh to\xe1n khoản nợ li\xean bang (thuế, khoản vay sinh vi\xean, SBA, v.v.)?","bapply.step7.q_i_full":"Bạn hiện c\xf3 đang chậm trả hoặc vỡ nợ một khoản nợ li\xean bang kh\xf4ng?","bapply.step7.q_j_label":"J. L\xe0 một b\xean trong vụ kiện m\xe0 bạn c\xf3 thể phải trả tiền?","bapply.step7.q_j_full":"Bạn c\xf3 phải l\xe0 một b\xean trong vụ kiện m\xe0 bạn c\xf3 khả năng phải chịu tr\xe1ch nhiệm t\xe0i ch\xednh c\xe1 nh\xe2n kh\xf4ng?","bapply.step7.q_k_label":"K. Đ\xe3 gi

1ao bất động sản thay cho việc tịch thu trong 7 năm qua?","bapply.step7.q_k_full":"Bạn đ\xe3 chuyển nhượng quyền sở hữu bất kỳ bất động sản n\xe0o thay cho việc tịch thu trong 7 năm qua kh\xf4ng?","bapply.step7.q_l_label":"L. Đ\xe3 nộp đơn ph\xe1 sản trong 7 năm qua?","bapply.step7.q_l_full":"Bạn đ\xe3 tuy\xean bố ph\xe1 sản trong v\xf2ng 7 năm qua kh\xf4ng?","bapply.step8.headerTitle":"X\xe1c nhận v\xe0 thỏa thuận","bapply.step8.headerDesc":"Xem lại c\xe1c tuy\xean bố b\xean dưới v\xe0 đ\xe1nh dấu v\xe0o \xf4 để x\xe1c nhận sự đồng \xfd của bạn trước khi tiếp tục.","bapply.step8.intro":"T\xf4i đồng \xfd, x\xe1c nhận v\xe0 cam đoan những điều sau:","bapply.step8.p1Label":"(1) Th\xf4ng tin đầy đủ cho đơn đăng k\xfd n\xe0y:","bapply.step8.p1Body":"Th\xf4ng tin t\xf4i đ\xe3 cung cấp trong đơn đăng k\xfd n\xe0y l\xe0 đ\xfang sự thật, ch\xednh x\xe1c v\xe0 đầy đủ t\xednh đến ng\xe0y t\xf4i k\xfd đơn đăng k\xfd n\xe0y. Qu\xfd vị c\xf3 thể dựa v\xe0o th\xf4ng tin n\xe0y để quyết định c\xf3 ph\xea duyệt đơn đăng k\xfd n\xe0y hay kh\xf4ng.","bapply.step8.p2Label":"(2) Bảo đảm của bất động sản:","bapply.step8.p2Body":"Khoản vay t\xf4i đ\xe3 đăng k\xfd sẽ được bảo đảm bằng một khoản thế chấp hoặc văn tự t\xedn th\xe1c cấp cho b\xean cho vay quyền lợi bảo đảm đối với bất động sản được m\xf4 tả trong đơn đăng k\xfd n\xe0y.","bapply.step8.p3Label":"(3) Thẩm định, gi\xe1 trị v\xe0 t\xecnh trạng của bất động sản:","bapply.step8.p3Body":"Bất kỳ thẩm định hoặc gi\xe1 trị n\xe0o của bất động sản do qu\xfd vị c\xf3 được l\xe0 để qu\xfd vị v\xe0 những b\xean tham gia khoản vay kh\xe1c sử dụng. T\xf4i kh\xf4ng dựa v\xe0o bất kỳ thẩm định hoặc gi\xe1 trị n\xe0o của bất động sản do qu\xfd vị c\xf3 được.","bapply.step8.p4Label":"(4) Hồ sơ v\xe0 chữ k\xfd điện tử:","bapply.step8.p4Body":"T\xf4i đồng \xfd nhận v\xe0 k\xfd t\xe0i liệu bằng phương thức điện tử.","bapply.step8.p5Label":"(5) Chậm thanh to\xe1n:","bapply.step8.p5Body":"B\xean cho vay c\xf3 thể b\xe1o c\xe1o th\xf4ng tin về t\xe0i khoản của t\xf4i cho c\xe1c cơ quan t\xedn dụng. Việc thanh to\xe1n trễ, bỏ lỡ thanh to\xe1n hoặc c\xe1c vi phạm kh\xe1c tr\xean t\xe0i khoản của t\xf4i c\xf3 thể được phản \xe1nh trong b\xe1o c\xe1o t\xedn dụng của t\xf4i.","bapply.step8.p6Label":"(6) Sử dụng th\xf4ng tin:","bapply.step8.p6Body":"T\xf4i cho ph\xe9p b\xean cho vay x\xe1c minh th\xf4ng tin t\xf4i đ\xe3 cung cấp.","bapply.step8.agreeCheckbox":"T\xf4i đồng \xfd với c\xe1c x\xe1c nhận tr\xean v\xe0 đồng \xfd sử dụng chữ k\xfd điện tử.","bapply.step9.militaryTitle":"Phục vụ qu\xe2n đội","bapply.step9.militaryDesc":"Nếu bạn đ\xe3 phục vụ trong Lực lượng Vũ trang Hoa Kỳ, bạn c\xf3 thể đủ điều kiện cho khoản vay VA kh\xf4ng cần trả trước.","bapply.step9.militaryQuestion":"Bạn (hoặc vợ/chồng đ\xe3 mất của bạn) đ\xe3 từng phục vụ, hoặc hiện đang phục vụ, trong Lực lượng Vũ trang Hoa Kỳ kh\xf4ng?","bapply.step9.militaryAria":"Phục vụ qu\xe2n đội: C\xf3 hoặc Kh\xf4ng","bapply.step9.yes":"C\xf3","bapply.step9.no":"Kh\xf4ng","bapply.step9.checkAllApply":"Đ\xe1nh dấu tất cả những g\xec \xe1p dụng:","bapply.step9.activeDuty":"Hiện đang phục vụ tại ngũ","bapply.step9.survivingSpouse":"Vợ/chồng c\xf2n sống","bapply.step9.demographicTitle":"Th\xf4ng tin nh\xe2n khẩu học","bapply.step9.demographicDesc":"Theo y\xeau cầu của li\xean bang để b\xe1o c\xe1o theo Đạo luật C\xf4ng bố Thế chấp Nh\xe0 ở (HMDA). Việc trả lời l\xe0 t\xf9y chọn — từ chối sẽ kh\xf4ng ảnh hưởng đến đơn đăng k\xfd của bạn.","bapply.step9.ethnicity":"D\xe2n tộc","bapply.step9.pickOne":"\xb7 Chọn một (từ chối cũng được)","bapply.step9.hmdaHelper":"Theo y\xeau cầu của li\xean bang để b\xe1o c\xe1o HMDA. Từ chối sẽ kh\xf4ng ảnh hưởng đến đơn đăng k\xfd của bạn.","bapply.step9.hmdaHelperRace":"Theo y\xeau cầu của li\xean bang để b\xe1o c\xe1o HMDA. Chọn tất cả những g\xec \xe1p dụng. Từ chối sẽ kh\xf4ng ảnh hưởng đến đơn đăng k\xfd của bạn.","bapply.step9.ethHispanic":"Người Hispanic hoặc Latino","bapply.step9.ethNotHispanic":"Kh\xf4ng phải Hispanic hoặc Latino","bapply.step9.refuse":"T\xf4i kh\xf4ng muốn cung cấp th\xf4ng tin n\xe0y","bapply.step9.ethSubMexican":"Người Mexico","bapply.step9.ethSubPuertoRican":"Người Puerto Rico","bapply.step9.ethSubCuban":"Người Cuba","bapply.step9.ethSubOther":"Người Hispanic hoặc Latino kh\xe1c","bapply.step9.enterOrigin":"Nhập nguồn gốc","bapply.step9.sex":"Giới t\xednh","bapply.step9.sexMale":"Nam","bapply.step9.sexFemale":"Nữ","bapply.step9.race":"Chủng tộc","bapply.step9.race_amer

1icanIndianOrAlaskaNative":"Người Mỹ bản địa hoặc người Alaska bản địa","bapply.step9.race_asian":"Người ch\xe2u \xc1","bapply.step9.race_blackOrAfricanAmerican":"Người da đen hoặc người Mỹ gốc Phi","bapply.step9.race_nativeHawaiianOrOtherPacificIslander":"Người Hawaii bản địa hoặc người đảo Th\xe1i B\xecnh Dương kh\xe1c","bapply.step9.race_white":"Người da trắng","bapply.step9.race_refuse":"T\xf4i kh\xf4ng muốn cung cấp th\xf4ng tin n\xe0y","bapply.step9.raceSub_asianIndian":"Người Ấn Độ","bapply.step9.raceSub_chinese":"Người Trung Quốc","bapply.step9.raceSub_filipino":"Người Philippines","bapply.step9.raceSub_japanese":"Người Nhật Bản","bapply.step9.raceSub_korean":"Người H\xe0n Quốc","bapply.step9.raceSub_vietnamese":"Người Việt Nam","bapply.step9.raceSub_otherAsian":"Người ch\xe2u \xc1 kh\xe1c","bapply.step9.raceSub_nativeHawaiian":"Người Hawaii bản địa","bapply.step9.raceSub_guamanianOrChamorro":"Người Guam hoặc Chamorro","bapply.step9.raceSub_samoan":"Người Samoa","bapply.step9.raceSub_otherPacificIslander":"Người đảo Th\xe1i B\xecnh Dương kh\xe1c","bapply.step9.enterTribe":"Nhập t\xean bộ tộc đ\xe3 đăng k\xfd hoặc bộ tộc ch\xednh","bapply.step9.loanOriginatorTitle":"Th\xf4ng tin người khởi tạo khoản vay","bapply.step9.loanOriginatorBody":"Nh\xe0 m\xf4i giới của bạn v\xe0 nh\xe2n vi\xean cho vay được chỉ định sẽ điền phần n\xe0y trước khi c\xe1c th\xf4ng tin c\xf4ng bố cuối c\xf9ng của bạn được ph\xe1t h\xe0nh. Bạn sẽ thấy t\xean đầy đủ, ID NMLS v\xe0 th\xf4ng tin li\xean hệ của họ tr\xean mọi t\xe0i liệu c\xf4ng bố m\xe0 bạn nhận được.","bapply.step10.headerTitle":"Xem x\xe9t cuối c\xf9ng & đồng \xfd","bapply.step10.headerDesc":"Bạn gần xong rồi. Xem x\xe9t v\xe0 chấp nhận c\xe1c th\xf4ng tin c\xf4ng bố b\xean dưới để gửi đơn đăng k\xfd của bạn.","bapply.page.autosaveEditing":"Đang chỉnh sửa…","bapply.page.autosaveSaving":"Đang lưu…","bapply.page.autosaveSaved":"Đ\xe3 lưu","bapply.page.autosaveFailed":"Lưu thất bại","bapply.page.step_borrower_label":"Người vay","bapply.page.step_borrower_short":"Th\xf4ng tin","bapply.page.step_employment_label":"Việc l\xe0m","bapply.page.step_employment_short":"C\xf4ng việc","bapply.page.step_assets_label":"T\xe0i sản","bapply.page.step_assets_short":"T\xe0i sản","bapply.page.step_liabilities_label":"Khoản nợ","bapply.page.step_liabilities_short":"Nợ","bapply.page.step_realEstate_label":"Bất động sản","bapply.page.step_realEstate_short":"BĐS","bapply.page.step_loanProperty_label":"Khoản vay & bất động sản","bapply.page.step_loanProperty_short":"Khoản vay","bapply.page.step_transactionTeam_label":"Nh\xf3m giao dịch","bapply.page.step_transactionTeam_short":"Nh\xf3m","bapply.page.step_declarations_label":"Khai b\xe1o","bapply.page.step_declarations_short":"Khai b\xe1o","bapply.page.step_agreements_label":"Thỏa thuận","bapply.page.step_agreements_short":"Đồng \xfd","bapply.page.step_militaryDemo_label":"Qu\xe2n đội & nh\xe2n khẩu học","bapply.page.step_militaryDemo_short":"Qu\xe2n đội","bapply.page.step_consent_label":"Đồng \xfd","bapply.page.step_consent_short":"Cuối c\xf9ng","bapply.page.fieldUpdatedAi":"Trường đ\xe3 được cập nhật từ đề xuất của AI.","bapply.page.saveTimeout":"Việc lưu mất nhiều thời gian hơn dự kiến — thay đổi gần nhất của bạn c\xf3 thể chưa được lưu. L\xe0m mới để x\xe1c nhận.","bapply.page.consentRequiredTitle":"Cần c\xf3 sự đồng \xfd","bapply.page.consentRequiredMsg":"Bạn phải chấp nhận tất cả c\xe1c điều khoản v\xe0 th\xf4ng tin c\xf4ng bố để tiếp tục.","bapply.page.fixIt":"Sửa","bapply.page.noBorrowerId":"Lỗi: Kh\xf4ng t\xecm thấy ID người vay. Vui l\xf2ng đăng nhập lại.","bapply.page.savingChanges":"Đang lưu thay đổi...","bapply.page.submittingApplication":"Đang gửi đơn đăng k\xfd...","bapply.page.pleaseComplete":"Vui l\xf2ng ho\xe0n th\xe0nh những mục sau:\n{items}","bapply.page.actionRequiredTitle":"Cần h\xe0nh động","bapply.page.outstandingConditions":"Bạn c\xf3 c\xe1c điều kiện chưa giải quyết.","bapply.page.loanNotFound":"Lỗi: Kh\xf4ng t\xecm thấy khoản vay để cập nhật. Vui l\xf2ng thử lại.","bapply.page.savedAt":"Đ\xe3 lưu th\xe0nh c\xf4ng l\xfac {time}","bapply.page.applicationSubmitted":"Đ\xe3 gửi đơn đăng k\xfd! Đang chuyển hướng đến bảng điều khiển...","bapply.page.submitErrorPrefixed":"Lỗi: {error}. Vui l\xf2ng thử lại.","bapply.page.submitFailedDefault":"Kh\xf4ng thể gửi đơn đăng k\xfd","bapply.page.networkError":"Đ\xe3 xảy ra lỗi mạng. Vui l\xf2ng kiểm tra kết nối v\xe0 thử lại.","bapply.page.docUpdated1003":"1003 đ\xe3 được cập nhật từ t\xe0i liệu của bạn.","bapply.page.sectionComingSoon":"Phần {step} sắp ra mắt...","bapply.page.saveFailedBanner":"Lưu thất bại","bapply.page.retry":"Thử lại","bapply.page.dismissError":"Bỏ qua lỗi","bapply.page.walkMeThrough":"Hướng dẫn t\xf4i qua bước n\xe0y","bapply.page.missingDataTitle":"Cảnh b\xe1o thiếu dữ liệu","bapply.page.missingDataDesc":"Một số trường bắt buộc chưa ho\xe0n chỉnh hoặc c\xf3 lỗi. Bạn c\xf3 thể quay lại v\xe0 sửa ngay b\xe2y giờ, hoặc gửi như hiện tại — nhưng đơn đăng k\xfd chưa ho\xe0n chỉnh c\xf3 thể l\xe0m chậm việc ph\xea duyệt của bạn.","bapply.page.goBackFix":"Quay lại & Sửa","bapply.page.submitAnyway":"Vẫn gửi","bapply.page.saveFirst":"Lưu đơn đăng k\xfd của bạn trước","bloan.backToDashboard":"Quay lại bảng điều khiển","bloan.loanNotFound":"Kh\xf4ng t\xecm thấy khoản vay","bloan.loanNotFoundOrNoAccess":"Khoản vay n\xe0y kh\xf4ng tồn tại hoặc bạn kh\xf4ng c\xf3 quyền truy cập.","bloan.notFoundTitle":"Kh\xf4ng t\xecm thấy","bloan.loanNotExistOrNoAccess":"Khoản vay n\xe0y kh\xf4ng tồn tại hoặc bạn kh\xf4ng c\xf3 quyền truy cập.","bloan.forbiddenTitle":"Bị cấm","bloan.viewOwnLoansOnly":"Bạn chỉ c\xf3 thể xem c\xe1c khoản vay của ch\xednh m\xecnh.","bloan.openInNewTab":"Mở trong tab mới","bloan.download":"Tải xuống","bloan.notAvailable":"Kh\xf4ng c\xf3 sẵn","bloan.reviewedBadge":"Đ\xe3 xem","bloan.versionLabel":"Phi\xean bản {version}","bloan.issuedOn":"Ph\xe1t h\xe0nh {date}","bloan.viewedOn":"Đ\xe3 xem {date}","bloan.previousVersions":"Phi\xean bản trước ({count})","bloan.fromLabel":"Từ","bloan.exploreTitle":"Kh\xe1m ph\xe1 c\xe1c lựa chọn khoản vay","bloan.exploreSubtitle":"D\xf9 bạn l\xe0 người mua nh\xe0 lần đầu, cựu chiến binh hay nh\xe0 đầu tư bất động sản, ch\xfang t\xf4i đều c\xf3 giải ph\xe1p t\xe0i ch\xednh ho\xe0n hảo ph\xf9 hợp với mục ti\xeau của bạn.","bloan.exploreHint":"Chọn chương tr\xecnh ph\xf9 hợp với ho\xe0n cảnh của bạn — chưa c\xf3 g\xec bị cố định. Bạn c\xf3 thể tinh chỉnh chi tiết (v\xe0 đổi chương tr\xecnh với chuy\xean vi\xean cho vay của bạn) ở bước tiếp theo.","bloan.mostPopular":"Phổ biến nhất","bloan.bestForLabel":"Tốt nhất cho:","bloan.applyForThisLoan":"Đăng k\xfd khoản vay n\xe0y","bloan.notSureTitle":"Kh\xf4ng chắc khoản vay n\xe0o ph\xf9 hợp với bạn?","bloan.notSureBody":"Sử dụng hệ thống khớp lệnh th\xf4ng minh được hỗ trợ bởi AI của ch\xfang t\xf4i để t\xecm chương tr\xecnh khoản vay ho\xe0n hảo dựa tr\xean hồ sơ t\xe0i ch\xednh của bạn trong v\xe0i gi\xe2y.","bloan.getMatched":"T\xecm khoản vay ph\xf9 hợp","bloan.useCalculator":"D\xf9ng m\xe1y t\xednh","bloan.type_conventional_title":"Khoản vay th\xf4ng thường","bloan.type_conventional_desc":"Lựa chọn ti\xeau chuẩn cho hầu hết người mua nh\xe0 c\xf3 t\xedn dụng tốt.","bloan.type_conventional_bestFor":"Người vay c\xf3 điểm t\xedn dụng từ 620 trở l\xean.","bloan.type_conventional_benefit1":"Kỳ hạn linh hoạt (10-30 năm)","bloan.type_conventional_benefit2":"Lựa chọn trả trước thấp (từ 3%)","bloan.type_conventional_benefit3":"Kh\xf4ng c\xf3 ph\xed bảo hiểm thế chấp trả trước","bloan.type_fha_title":"Khoản vay FHA","bloan.type_fha_desc":"Khoản vay được ch\xednh phủ bảo trợ d\xe0nh cho người vay c\xf3 thu nhập thấp đến trung b\xecnh.","bloan.type_fha_bestFor":"Người mua nh\xe0 lần đầu hoặc nhữ

1ng người c\xf3 điểm t\xedn dụng thấp hơn.","bloan.type_fha_benefit1":"Chấp nhận điểm t\xedn dụng thấp hơn (580+)","bloan.type_fha_benefit2":"Trả trước thấp (3.5%)","bloan.type_fha_benefit3":"Giới hạn DTI linh hoạt hơn","bloan.type_va_title":"Khoản vay VA","bloan.type_va_desc":"Quyền lợi độc quyền cho cựu chiến binh, qu\xe2n nh\xe2n tại ngũ v\xe0 vợ/chồng c\xf2n sống đủ điều kiện.","bloan.type_va_bestFor":"Qu\xe2n nh\xe2n v\xe0 cựu chiến binh.","bloan.type_va_benefit1":"Y\xeau cầu trả trước $0","bloan.type_va_benefit2":"Kh\xf4ng c\xf3 bảo hiểm thế chấp tư nh\xe2n (PMI)","bloan.type_va_benefit3":"L\xe3i suất cạnh tranh","bloan.type_jumbo_title":"Khoản vay Jumbo","bloan.type_jumbo_desc":"T\xe0i trợ cho bất động sản cao cấp v\xe0 nh\xe0 ở tại c\xe1c thị trường bất động sản cạnh tranh cao.","bloan.type_jumbo_bestFor":"Người mua nh\xe0 cao cấp hoặc nh\xe0 c\xf3 gi\xe1 trị cao.","bloan.type_jumbo_benefit1":"Số tiền vay vượt qu\xe1 giới hạn cho ph\xe9p (conforming)","bloan.type_jumbo_benefit2":"L\xe3i suất cố định hoặc điều chỉnh","bloan.type_jumbo_benefit3":"Số tiền vay l\xean đến $3M+","bloan.type_usda_title":"Khoản vay USDA","bloan.type_usda_desc":"Khoản vay thế chấp kh\xf4ng cần trả trước cho người mua nh\xe0 ở v\xf9ng n\xf4ng th\xf4n v\xe0 ngoại \xf4.","bloan.type_usda_bestFor":"Người mua ở c\xe1c khu vực n\xf4ng th\xf4n hoặc ngoại \xf4 được chỉ định.","bloan.type_usda_benefit1":"Trả trước $0","bloan.type_usda_benefit2":"L\xe3i suất thế chấp thấp hơn thị trường","bloan.type_usda_benefit3":"Chi ph\xed bảo hiểm thế chấp thấp","bloan.type_dscr_title":"Khoản vay đầu tư DSCR","bloan.type_dscr_desc":"Khoản vay theo Tỷ lệ Bao phủ Dịch vụ Nợ (DSCR) cho nh\xe0 đầu tư bất động sản d\xf9ng thu nhập cho thu\xea để đủ điều kiện.","bloan.type_dscr_bestFor":"Nh\xe0 đầu tư bất động sản v\xe0 người mua b\xe1n nh\xe0 sửa chữa.","bloan.type_dscr_benefit1":"Kh\xf4ng y\xeau cầu x\xe1c minh thu nhập c\xe1 nh\xe2n","bloan.type_dscr_benefit2":"Đủ điều kiện dựa tr\xean d\xf2ng tiền của bất động sản","bloan.type_dscr_benefit3":"Ho\xe0n tất dưới danh nghĩa LLC","bloan.intentReceivedTitle":"Đ\xe3 nhận \xfd định tiếp tục","bloan.intentRecordedAt":"Đ\xe3 ghi nhận {when}. Chuy\xean vi\xean cho vay của bạn giờ c\xf3 thể thu ph\xed thẩm định v\xe0 c\xe1c khoản ph\xed b\xean thứ ba kh\xe1c.","bloan.intentCtaTitle":"B\xe0y tỏ \xfd định tiếp tục của bạn","bloan.intentCtaBodyBefore":"Sau khi bạn đ\xe3 xem x\xe9t Loan Estimate n\xe0y v\xe0 muốn tiếp tục với khoản vay, h\xe3y nhấp v\xe0o b\xean dưới để th\xf4ng b\xe1o cho chuy\xean vi\xean cho vay của bạn.","bloan.intentCtaBodyEmphasis":"Đ\xe2y kh\xf4ng phải l\xe0 cam kết nhận khoản vay.","bloan.intentCtaBodyAfter":"N\xf3 chỉ cho ph\xe9p họ bắt đầu đặt c\xe1c dịch vụ như thẩm định.","bloan.intentCtaFeeNote":"Cho đến khi bạn b\xe0y tỏ \xfd định, b\xean cho vay kh\xf4ng thể t\xednh ph\xed cho bạn ngo\xe0i ph\xed b\xe1o c\xe1o t\xedn dụng.","bloan.intentRecording":"Đang ghi nhận…","bloan.intentButton":"T\xf4i muốn tiếp tục","bloan.exitFullscreen":"Tho\xe1t to\xe0n m\xe0n h\xecnh","bloan.openFullscreen":"Mở to\xe0n m\xe0n h\xecnh","bloan.exitFullscreenEsc":"Tho\xe1t to\xe0n m\xe0n h\xecnh (Esc)","bloan.helpChatFooter":"Breeze c\xf3 thể trả lời c\xe1c c\xe2u hỏi chung. Đối với tư vấn ph\xe1p l\xfd hoặc li\xean quan ri\xeang đến b\xean cho vay, h\xe3y li\xean hệ chuy\xean vi\xean cho vay của bạn.","bloan.leHelpTitle":"Hỏi Breeze về Loan Estimate của bạn","bloan.leHelpSubtitle":"Giải đ\xe1p về c\xe1c c\xf4ng bố, ph\xed, \xfd định tiếp tục v\xe0 thời hạn TRID.","bloan.leHelpWelcome":"Bạn c\xf3 thắc mắc về Loan Estimate của m\xecnh? H\xe3y hỏi bất cứ điều g\xec — c\xe1c khoản ph\xed nghĩa l\xe0 g\xec, l\xe3i suất được x\xe1c định ra sao, điều g\xec xảy ra sau khi bạn b\xe0y tỏ \xfd định.","bloan.leHelpWelcomeBroker":"Bạn c\xf3 thắc mắc về Loan Estimate từ {broker}? H\xe3y hỏi bất cứ điều g\xec — c\xe1c khoản ph\xed nghĩa l\xe0 g\xec, l\xe3i suất được x\xe1c định ra sao, điều g\xec xảy ra sau khi bạn b\xe0y tỏ \xfd định.","bloan.leSuggestWhatIs":"Loan Estimate l\xe0 g\xec?","bloan.leSuggestWhyGetting":"Tại sao t\xf4i nhận được c\xe1i n\xe0y?","bloan.leSuggestIntentMeaning":'"\xdd định tiếp tục" nghĩa l\xe0 g\xec?',"bloan.leSuggestNewVersion":"Nếu một phi\xean bản mới được ph\xe1t h\xe0nh th\xec sao?","bloan.leSuggestFeesBeforeIntent":"B\xean cho vay c\xf3 thể t\xednh những khoản ph\xed n\xe0o trước khi t\xf4i b\xe0y tỏ \xfd định?","bloan.leSuggestRateValid":"L\xe3i suất n\xe0y c\xf3 hiệu lực trong bao l\xe2u?","bloan.cdHelpTitle":"Hỏi Breeze về Closing Disclosure của bạn","bloan.cdHelpSubtitle":"Giải đ\xe1p về tiền mặt cần để ho\xe0n tất, thời hạn 3 ng\xe0y, thay đổi từng khoản mục v\xe0 quyền hủy bỏ.","bloan.cdHelpWelcome":"Bạn c\xf3 thắc mắc về Closing Disclosure của m\xecnh? H\xe3y hỏi t\xf4i về bất kỳ khoản mục n\xe0o, thời hạn xem x\xe9t 3 ng\xe0y, tiền mặt cần để ho\xe0n tất, hoặc nhữ

1ng g\xec đ\xe3 thay đổi so với Loan Estimate của bạn.","bloan.cdHelpWelcomeBroker":"Bạn c\xf3 thắc mắc về Closing Disclosure từ {broker}? H\xe3y hỏi t\xf4i về bất kỳ khoản mục n\xe0o, thời hạn xem x\xe9t 3 ng\xe0y, tiền mặt cần để ho\xe0n tất, hoặc những g\xec đ\xe3 thay đổi so với Loan Estimate của bạn.","bloan.cdSuggestWhatIs":"Closing Disclosure l\xe0 g\xec?","bloan.cdSuggestWhy3Days":"Tại sao t\xf4i phải đợi 3 ng\xe0y l\xe0m việc?","bloan.cdSuggestDifferFromLe":"C\xe1i n\xe0y kh\xe1c với Loan Estimate của t\xf4i như thế n\xe0o?","bloan.cdSuggestCashToClose":'"Tiền mặt để ho\xe0n tất" l\xe0 g\xec?',"bloan.cdSuggestRescission":"Quyền hủy bỏ l\xe0 g\xec?","bloan.cdSuggestChangesAtClosing":"Những thay đổi n\xe0o vẫn c\xf3 thể xảy ra khi ho\xe0n tất?","bloan.cdPageTitle":"Closing Disclosure của bạn","bloan.cdNotIssued":"Chuy\xean vi\xean cho vay của bạn chưa ph\xe1t h\xe0nh Closing Disclosure.","bloan.cdLatestLabel":"Closing Disclosure mới nhất","bloan.cdEarliestClosing":"Ng\xe0y ho\xe0n tất hợp ph\xe1p sớm nhất: {date}","bloan.cdTileMonthlyPi":"Tiền gốc v\xe0 l\xe3i h\xe0ng th\xe1ng","bloan.cdTileInterestRate":"L\xe3i suất","bloan.cdTileCashToClose":"Tiền mặt để ho\xe0n tất","bloan.cdTileCashToCloseSub":"số tiền bạn mang đến khi ho\xe0n tất","bloan.cdWorksheetHeading":"Bảng t\xednh tiền mặt để ho\xe0n tất","bloan.cdCtcTotalClosingCosts":"Tổng chi ph\xed ho\xe0n tất","bloan.cdCtcCostsPaidBefore":"Chi ph\xed ho\xe0n tất đ\xe3 trả trước khi ho\xe0n tất","bloan.cdCtcCostsFinanced":"Chi ph\xed ho\xe0n tất được t\xe0i trợ","bloan.cdCtcLenderCredits":"T\xedn dụng từ b\xean cho vay","bloan.cdCtcDownPayment":"Khoản trả trước","bloan.cdCtcEarnestDeposit":"Tiền đặt cọc thiện ch\xed","bloan.cdCtcSellerCredits":"T\xedn dụng từ người b\xe1n","bloan.cdCtcFundsForBorrower":"Khoản tiền cho người vay","bloan.cdCtcOtherAdjustments":"C\xe1c điều chỉnh kh\xe1c","bloan.cdCtcCashToCloseRow":"Tiền mặt để ho\xe0n tất","bloan.cdWorksheetNote":"Gi\xe1 trị \xe2m l\xe0 khoản t\xedn dụng l\xe0m giảm số tiền bạn phải mang theo. Gi\xe1 trị dương sẽ l\xe0m tăng số tiền đ\xf3.","bloan.cdTrustNote":"Đ\xe2y l\xe0 c\xf4ng bố giao dịch theo y\xeau cầu của luật li\xean bang. Việc bạn truy cập n\xf3 được ghi lại để kiểm to\xe1n. Chỉ bạn v\xe0 đội ngũ b\xean cho vay được ủy quyền mới c\xf3 thể xem trang n\xe0y.","bloan.lePageTitle":"C\xe1c Loan Estimate của bạn","bloan.leStepApplied":"Đ\xe3 nộp đơn","bloan.leStepLeIssued":"Đ\xe3 ph\xe1t h\xe0nh LE","bloan.leStepReviewed":"Đ\xe3 xem","bloan.leStepIntent":"\xdd định","bloan.leDeliveryFailedTitle":"Gửi email thất bại — nhưng bạn vẫn c\xf3 thể xem tại đ\xe2y","bloan.leDeliveryFailedBodyBefore":"Chuy\xean vi\xean cho vay của bạn đ\xe3 được th\xf4ng b\xe1o rằng bản sao email của Loan Estimate n\xe0y kh\xf4ng đến được hộp thư của bạn","bloan.leDeliveryFailedBodyAfter":"Họ đang kiểm tra th\xf4ng tin li\xean hệ của bạn v\xe0 sẽ gửi lại. Trong thời gian chờ, t\xe0i liệu c\xf3 sẵn đầy đủ b\xean dưới.","bloan.leLatestLabel":"Loan Estimate mới nhất","bloan.lePdfNotAvailable":"PDF chưa c\xf3 sẵn","bloan.leCdAvailable":"Đ\xe3 c\xf3 Closing Disclosure","bloan.leCdEarliestClosing":"Ho\xe0n tất sớm nhất {date}","bloan.leActionNeeded":"Cần h\xe0nh động","bloan.leCdBody":"Điều khoản cuối c\xf9ng v\xe0 bảng t\xednh đầy đủ tiền mặt để ho\xe0n tất. Luật li\xean bang cho bạn 3 ng\xe0y l\xe0m việc giữa l\xfac nhận v\xe0 l\xfac k\xfd — vui l\xf2ng xem x\xe9t trước khi ho\xe0n tất.","bloan.leOpenCd":"Mở Closing Disclosure","bloan.leAwaitingSignature":"Đang chờ chữ k\xfd của bạn","bloan.leEnvelopesSentOne":"Đ\xe3 gửi {count} phong b\xec để k\xfd","bloan.leEnvelopesSentMany":"Đ\xe3 gửi {c

1ount} phong b\xec để k\xfd","bloan.leEnvelopesExplainer":"Mỗi phong b\xec đ\xe3 được gửi đến email của bạn. Mở li\xean kết email từ nh\xe0 cung cấp dịch vụ k\xfd để ho\xe0n tất — hoặc d\xf9ng li\xean kết k\xfd trực tiếp b\xean dưới nếu c\xf3.","bloan.leSentToday":"Gửi h\xf4m nay","bloan.leSentDaysAgoOne":"Gửi {days} ng\xe0y trước","bloan.leSentDaysAgoMany":"Gửi {days} ng\xe0y trước","bloan.leEsignRequest":"Y\xeau cầu k\xfd điện tử \xb7 {provider}","bloan.leOpenSigningPage":"Mở trang k\xfd","bloan.leCheckEmail":"Kiểm tra email của bạn","bloan.leDontSeeEmail":"Kh\xf4ng thấy email? Kiểm tra thư r\xe1c, hoặc nhắn chuy\xean vi\xean cho vay của bạn để gửi lại.","bloan.leEmptyTitle":"Chưa c\xf3 Loan Estimate n\xe0o được ph\xe1t h\xe0nh.","bloan.leEmptyBody":"Sau khi chuy\xean vi\xean cho vay của bạn kh\xf3a l\xe3i suất hoặc bạn nộp đơn đăng k\xfd, LE đầu ti\xean của bạn sẽ xuất hiện tại đ\xe2y trong v\xf2ng 3 ng\xe0y l\xe0m việc.","bloan.leQuestionsTitle":"C\xf3 thắc mắc?","bloan.leQuestionsBody":"Trả lời email bạn đ\xe3 nhận v\xe0 chuy\xean vi\xean cho vay của bạn sẽ phản hồi.","bloan.leWorkingWith":"L\xe0m việc với: {broker}","bloan.leSecurePortalTitle":"Cổng bảo mật","bloan.leSecurePortalBody":"Việc bạn truy cập được ghi lại để tu\xe2n thủ. Chỉ bạn v\xe0 nh\xe2n vi\xean b\xean cho vay được ủy quyền mới c\xf3 thể xem trang n\xe0y.","bloan.leWantToLearnMore":"Muốn t\xecm hiểu th\xeam?","bloan.leCfpbLink":"Giải th\xedch Loan Estimate của CFPB →","bloan.coSectionEyebrow":"Phần d\xe0nh cho người đồng vay","bloan.coSectionTitle":"Điền phần của bạn trong mẫu 1003","bloan.coSectionIntro":"Người vay ch\xednh đ\xe3 điền phần của họ. Phần của bạn ngắn hơn — t\xean + giấy tờ t\xf9y th\xe2n, địa chỉ hiện tại, việc l\xe0m, v\xe0 c\xe1c tuy\xean bố c\xf3/kh\xf4ng giống nhau m\xe0 mọi người vay đều trả lời. Lưu bất cứ l\xfac n\xe0o; nh\xe0 m\xf4i giới của bạn sẽ xem x\xe9t to\xe0n bộ hồ sơ trước khi gửi cho b\xean cho vay.","bloan.coLastSaved":"Lần lưu cuối {when}","bloan.coReturnToDashboard":"Quay lại bảng điều khiển","bloan.coNameRequired":"Vui l\xf2ng điền t\xean v\xe0 họ của bạn trước.","bloan.coFailedToSave":"Lưu thất bại","bloan.coCardAboutYou":"Về bạn","bloan.coFieldFirstName":"T\xean *","bloan.coFieldMiddle":"T\xean đệm (t\xf9y chọn)","bloan.coFieldLastName":"Họ *","bloan.coFieldDob":"Ng\xe0y sinh (YYYY-MM-DD)","bloan.coFieldSsn":"SSN (XXX-XX-XXXX)","bloan.coFieldPhone":"Điện thoại","bloan.coFieldEmail":"Email (chỉ đọc)","bloan.coFieldCitizenship":"Quốc tịch","bloan.coFieldMaritalStatus":"T\xecnh trạng h\xf4n nh\xe2n","bloan.coSelectPlaceholder":"Chọn…","bloan.coCitizenUs":"C\xf4ng d\xe2n Hoa Kỳ","bloan.coCitizenPermanent":"Thường tr\xfa nh\xe2n","bloan.coCitizenNonPermanent":"Thường tr\xfa nh\xe2n kh\xf4ng thường xuy\xean","bloan.coMaritalMarried":"Đ\xe3 kết h\xf4n","bloan.coMaritalUnmarried":"Độc th\xe2n","bloan.coMaritalSeparated":"Ly th\xe2n","bloan.coCardCurrentAddress":"Địa chỉ hiện tại","bloan.coFieldStreet":"Đường phố","bloan.coFieldUnit":"Số căn (t\xf9y chọn)","bloan.coFieldCity":"Th\xe0nh phố","bloan.coFieldState":"Tiểu bang","bloan.coFieldZip":"M\xe3 ZIP","bloan.coFieldYearsAtAddress":"Số năm tại địa chỉ","bloan.coFieldRentOrOwn":"Thu\xea hay sở hữu","bloan.coRentOption":"Thu\xea","bloan.coOwnOption":"Sở hữu","bloan.coOtherOption":"Kh\xe1c","bloan.coCardEmployment":"Việc l\xe0m + thu nhập","bloan.coFieldEmployer":"Người sử dụng lao động","bloan.coFieldPosition":"Vị tr\xed / chức danh","bloan.coFieldStartDate":"Ng\xe0y bắt đầu (YYYY-MM-DD)","bloan.coFieldMonthlyIncome":"Thu nhập h\xe0ng th\xe1ng (gộp $)","bloan.coFieldSelfEmployed":"Tự kinh doanh","bloan.coSelfEmployedNo":"Kh\xf4ng (nh\xe2n vi\xean W-2)","bloan.coSelfEmployedYes":"C\xf3 (tự kinh doanh)","bloan.coFieldOtherIncome":"Thu nhập kh\xe1c / th\xe1ng (t\xf9y chọn)","bloan.coFieldOtherIncomeSource":"Nguồn thu nhập kh\xe1c","bloan.coOtherIncomePlaceholder":"Cho thu\xea, cấp dưỡng, v.v.","bloan.coCardAssets":"T\xe0i sản","bloan.coCardLiabilities":"Nợ phải trả","bloan.coCardRealEstate":"Bất động sản sở hữu","bloan.coFieldLiquidTotal":"Tổng tiền mặt ($) — t\xe0i khoản thanh to\xe1n + tiết kiệm","bloan.coFieldRetirementTotal":"Tổng tiền hưu tr\xed ($) — 401k + IRA","bloan.coAssetsNote":"Gi\xe1 trị gần đ\xfang l\xe0 chấp nhận được ở đ\xe2y. Nh\xe0 m\xf4i giới của bạn sẽ x\xe1c minh số dư ch\xednh x\xe1c theo sao k\xea.","bloan.coCardDeclarations":"Tuy\xean bố c\xf3 / kh\xf4ng","bloan.coDeclJudgments":"Bạn c\xf3 bất kỳ ph\xe1n quyết chưa giải quyết n\xe0o chống lại m\xecnh kh\xf4ng?","bloan.coDeclBankruptcy":"Bạn c\xf3 tuy\xean bố ph\xe1 sản trong 7 năm qua kh\xf4ng?","bloan.coDeclLawsuit":"Bạn hiện c\xf3 l\xe0 một b\xean trong vụ kiện n\xe0o kh\xf4ng?","bloan.coDeclFederalDebt":"Bạn c\xf3 đang nợ qu\xe1 hạn bất kỳ khoản nợ li\xean bang n\xe0o kh\xf4ng (thuế, khoản vay sinh vi\xean)?","bloan.coAutoSaveAddName":"Th\xeam t\xean của bạn để bật tự động lưu","bloan.coSaving":"Đang lưu…","bloan.coSavedAt":"Đ\xe3 lưu {when}","bloan.coSaveFailedRetry":"Lưu thất bại — nhấn Lưu để thử lại","bloan.coAutoSaving":"Đang tự động lưu…","bloan.coUpToDate":"Đ\xe3 cập nhật","bloan.coUnsavedEditsSummary":"c\xe1c chỉnh sửa chưa lưu của bạn trong phần n\xe0y","bloan.coSaveNow":"Lưu ngay","bloan.coAskVeraLabel":"Hỏi Breeze về bất kỳ trường n\xe0o trong số n\xe0y","bloan.coYes":"C\xf3","bloan.coNo":"Kh\xf4ng","bloan.docsNeededTitle":"T\xe0i liệu bạn vẫn cần cung cấp","bloan.docsNeededIntro":"Đ\xe2y l\xe0 những t\xe0i liệu m\xe0 chuy\xean vi\xean cho vay của bạn đang chờ. H\xe3y tải l\xean tại đ\xe2y hoặc qua trung t\xe2m t\xe0i liệu tr\xean bảng điều khiển của bạn. C\xe0ng nộp nhanh, khoản vay của bạn c\xe0ng tiến triển nhanh.","bloan.docsNeededAllCaughtUp":"Bạn đ\xe3 ho\xe0n tất tất cả","bloan.docsNeededAllCaughtUpBody":"Hiện tại chuy\xean vi\xean cho vay của bạn kh\xf4ng cần g\xec th\xeam từ bạn. Ch\xfang t\xf4i sẽ b\xe1o cho bạn nếu c\xf3 thay đổi.","bloan.docsNeededCountOne":"Đ\xe3 y\xeau cầu {count} t\xe0i liệu","bloan.docsNeededCountMany":"Đ\xe3 y\xeau cầu {count} t\xe0i liệu","bloan.docsNeededLetterNeeded":"Cần thư giải tr\xecnh","bloan.docsNeededUnderReview":"Đang xem x\xe9t","bloan.docsNeededDaysWaiting":"Đ\xe3 chờ {days} ng\xe0y","bloan.docsNeededRequestedOn":"Đ\xe3 y\xeau cầu {date}","bloan.docsNeededFromSource":"Từ {source}","bloan.docsNeededUploadTitle":"Cần tải l\xean?","bloan.docsNeededUploadBefore":"Sử dụng","bloan.docsNeededDocumentCenter"

1:"trung t\xe2m t\xe0i liệu","bloan.docsNeededUploadAfter":"tr\xean bảng điều khiển của bạn. Ch\xfang t\xf4i chấp nhận PDF, ảnh v\xe0 hầu hết c\xe1c định dạng th\xf4ng dụng. Tệp được m\xe3 h\xf3a khi lưu trữ.","bloan.discrepancyDob":"Ng\xe0y sinh","bloan.discrepancyLastName":"Họ","bloan.discrepancyMonthlyIncome":"Thu nhập h\xe0ng th\xe1ng","bloan.docAcceptedToast":"Đ\xe3 chấp nhận t\xe0i liệu.","bloan.docAcceptFailedToast":"Chấp nhận thất bại.","bloan.docAcceptedRow":"{type} — đ\xe3 chấp nhận","bloan.docDiscrepancyBadge":"{count} điểm kh\xf4ng khớp","bloan.docFlagged":"Đ\xe3 gắn cờ","bloan.docSays":"t\xe0i liệu ghi","bloan.doc1003Says":"mẫu 1003 ghi","bloan.docAccept":"Chấp nhận","bloan.docOverride":"Ghi đ\xe8","bloan.docMoreFields":"+{count} nữa","bloan.docBackToLoan":"Quay lại khoản vay","bloan.docReviewEyebrow":"Xem x\xe9t t\xe0i liệu","bloan.docBatchReconciliation":"Đối chiếu h\xe0ng loạt","bloan.docAllGoodSubtitle":"Tất cả t\xe0i liệu đều ổn — kh\xf4ng c\xf3 mục n\xe0o độ tin cậy thấp hoặc kh\xf4ng khớp.","bloan.docNeedReviewSubtitle":"{count} t\xe0i liệu cần xem x\xe9t. Chấp nhận để x\xe1c nhận dữ liệu, hoặc ghi đ\xe8 danh mục đ\xe3 ph\xe1t hiện.","bloan.docStatNeedsReview":"Cần xem x\xe9t","bloan.docStatDiscrepancies":"Điểm kh\xf4ng khớp","bloan.docStatAccepted":"Đ\xe3 chấp nhận","bloan.docAllGoodTitle":"Tất cả t\xe0i liệu đều ổn","bloan.docAllGoodBody":"Kh\xf4ng ph\xe1t hiện ph\xe2n loại độ tin cậy thấp hoặc dữ liệu kh\xf4ng khớp.","bloan.docBackToCenter":"Quay lại trung t\xe2m t\xe0i liệu","bloan.duBackToLoan":"← Khoản vay","bloan.duTitle":"Quyết định thẩm định","bloan.duSubtitle":"Những mục n\xe0y đến từ người thẩm định khoản vay của bạn. Ho\xe0n th\xe0nh ch\xfang gi\xfap khoản vay của bạn tiến tới ho\xe0n tất.","bloan.duNotReached":"Khoản vay của bạn chưa đến giai đoạn thẩm định. Sau khi người thẩm định của b\xean cho vay xem x\xe9t hồ sơ của bạn, trang n\xe0y sẽ hiển thị những g\xec họ cần từ bạn.","bloan.duWhatThisMeans":"Điều n\xe0y c\xf3 \xfd nghĩa g\xec với bạn","bloan.duWhatYouNeedToDo":"Những việc bạn cần l\xe0m","bloan.duNoActionItems":"Chưa c\xf3 mục h\xe0nh động n\xe0o — chuy\xean vi\xean cho vay của bạn đang xem x\xe9t kết quả thẩm định.","bloan.duDecisionInProgress":"Đang thẩm định","bloan.duDecisionApprovedBadge":"Đ\xe3 ph\xea duyệt","bloan.duDecisionApprovedHeadline":"Khoản vay của bạn đang đ\xfang tiến độ","bloan.duDecisionReferBadge":"Xem x\xe9t thủ c\xf4ng","bloan.duDecisionReferHeadline":"Khoản vay của bạn đang được xem x\xe9t thủ c\xf4ng","bloan.duDecisionNeedsActionBadge":"Cần h\xe0nh động","bloan.duDecisionNeedsActionHeadline":"Khoản vay của bạn cần bạn lưu \xfd","bloan.duWhyThisMatters":"Tại sao điều n\xe0y quan trọng","bloan.duWhatToDo":"Phải l\xe0m g\xec","bloan.duDueBy":"Hạn ch\xf3t {date}","bloan.duOpenThisItem":"Mở mục n\xe0y →","bloan.incomeMethodW2Salary":"Lương năm chia cho 12. Trường hợp đơn giản nhất — to\xe0n bộ lương của bạn được t\xednh l\xe0 thu nhập đủ điều kiện h\xe0ng th\xe1ng.","bloan.incomeMethodW2Hourly":"Lương theo giờ \xd7 số giờ mỗi tuần \xd7 số tuần mỗi năm \xf7 12. Tiền tăng ca, thưởng v\xe0 hoa hồng c\xf3 quy tắc t\xednh trung b\xecnh ri\xeang v\xe0 kh\xf4ng được t\xednh ở đ\xe2y.","bloan.incomeMethodSelfEmployed":"Thu nhập r\xf2ng từ 2 tờ khai thuế gần nhất của bạn được t\xednh trung b\xecnh (phương ph\xe1p Fannie Mae 1084). Lợi nhuận từ đầu năm đến nay l\xe0 ph\xe9p kiểm tra hợp l\xfd; n\xf3 kh\xf4ng n\xe2ng thu nhập đủ điều kiện vượt mức trung b\xecnh 2 năm.","bloan.incomeMethodRental":"Tiền thu\xea gộp \xd7 75% (mức khấu trừ ti\xeau chuẩn cho trống/bảo tr\xec) \xd7 tỷ lệ sở hữu của bạn. Thu nhập cho thu\xea r\xf2ng b\xf9 trừ PITI của bất động sản;

1 nếu PITI vượt qu\xe1 75% tiền thu\xea, phần ch\xeanh lệch trở th\xe0nh khoản nợ h\xe0ng th\xe1ng.","bloan.incomeMethodRetirement":"Số tiền ph\xe2n phối h\xe0ng th\xe1ng, nhưng chỉ khi thời gian tiếp tục \xedt nhất 36 th\xe1ng kể từ ng\xe0y k\xfd hợp đồng vay. Lương hưu, IRA v\xe0 r\xfat 401(k) đều \xe1p dụng quy tắc n\xe0y (Fannie B3-3.1-09).","bloan.incomeMethodMilitary":"Lương cơ bản + BAH (Trợ cấp Nh\xe0 ở Cơ bản) + BAS (Trợ cấp Sinh hoạt Cơ bản) + c\xe1c khoản trợ cấp kh\xe1c. Tất cả đều miễn thuế v\xe0 đủ điều kiện gross-up — h\xe3y trao đổi với chuy\xean vi\xean cho vay của bạn về hệ số 1.25\xd7.","bloan.incomeMethodOther":"Nguồn thu nhập t\xf9y chỉnh. Số tiền đủ điều kiện phụ thuộc v\xe0o tần suất bạn cung cấp v\xe0 c\xe1c quy tắc chuẩn h\xf3a ti\xeau chuẩn của ch\xfang t\xf4i.","bloan.incomeTypeW2Salary":"Lương W-2","bloan.incomeTypeW2Hourly":"W-2 theo giờ","bloan.incomeTypeSelfEmployed":"Tự kinh doanh","bloan.incomeTypeRental":"Bất động sản cho thu\xea","bloan.incomeTypeRetirement":"Ph\xe2n phối hưu tr\xed","bloan.incomeTypeMilitary":"Qu\xe2n đội","bloan.incomeTypeOther":"Thu nhập kh\xe1c","bloan.incomeLoanNotFoundBody":"Ch\xfang t\xf4i kh\xf4ng t\xecm thấy khoản vay bạn đang t\xecm.","bloan.incomeTitle":"C\xe1ch thu nhập của bạn được t\xednh","bloan.incomeIntro":"Thu nhập đủ điều kiện vay thế chấp kh\xf4ng phải l\xfac n\xe0o cũng giống với lương gộp của bạn. Dưới đ\xe2y l\xe0 ph\xe2n t\xedch từng d\xf2ng về c\xe1ch t\xednh từng nguồn cho khoản vay của bạn.","bloan.incomeTotalQualifying":"Tổng thu nhập đủ điều kiện h\xe0ng th\xe1ng","bloan.incomeAcrossSourcesOne":"Tr\xean {count} nguồn thu nhập.","bloan.incomeAcrossSourcesMany":"Tr\xean {count} nguồn thu nhập.","bloan.incomeNoSourcesTitle":"Chưa c\xf3 nguồn thu nhập c\xf3 cấu tr\xfac","bloan.incomeNoSourcesBody":"Chuy\xean vi\xean cho vay của bạn chưa th\xeam nguồn thu nhập c\xf3 cấu tr\xfac v\xe0o hồ sơ của bạn. Họ c\xf3 thể đang d\xf9ng trực tiếp tổng thu nhập h\xe0ng th\xe1ng từ đơn đăng k\xfd 1003 của bạn. Sau khi nhập nguồn thu nhập, trang n\xe0y sẽ hiển thị ph\xe2n t\xedch từng d\xf2ng.","bloan.incomePerMonth":"{amount}/th\xe1ng","bloan.incomeCounted":"Đ\xe3 t\xednh","bloan.incomeIncomplete":"Chưa ho\xe0n chỉnh","bloan.incomeCalculatorNote":"Ghi ch\xfa m\xe1y t\xednh:","bloan.incomeFooterQuestionTitle":"C\xf3 thắc mắc về một con số?","bloan.incomeFooterQuestionBody":"Ph\xe9p t\xednh ở đ\xe2y tu\xe2n theo hướng dẫn thẩm định của Fannie Mae v\xe0 Freddie Mac. Chuy\xean vi\xean cho vay của bạn c\xf3 thể giải th\xedch chi tiết bất kỳ ph\xe9p t\xednh cụ thể n\xe0o.","bloan.incomeFooterDtiBody":"Những con số n\xe0y được d\xf9ng để t\xednh tỷ lệ nợ tr\xean thu nhập (DTI) của bạn — phần trăm thu nhập h\xe0ng th\xe1ng d\xf9ng để trả nợ, bao gồm khoản thế chấp mới. Hầu hết c\xe1c chương tr\xecnh khoản vay giới hạn DTI từ 43% đến 50%.","bloan.nocNotFoundTitle":"Kh\xf4ng t\xecm thấy","bloan.nocNotFoundBody":"Th\xf4ng b\xe1o n\xe0y kh\xf4ng tồn tại hoặc bạn kh\xf4ng c\xf3 quyền truy cập.","bloan.nocBackToCd":"Quay lại Closing Disclosure","bloan.nocTitle":"Th\xf4ng b\xe1o Quyền Hủy bỏ","bloan.nocSubtitle":"C\xf4ng bố li\xean bang theo y\xeau cầu của Truth in Lending Act \xa71635.","bloan.nocNotIssued":"Chưa c\xf3 Th\xf4ng b\xe1o Quyền Hủy bỏ n\xe0o được ph\xe1t h\xe0nh cho khoản vay n\xe0y.","bloan.nocLatestVersion":"Phi\xean bản mới nhất","bloan.nocVersion":"Phi\xean bản {version}","bloan.nocIssuedOn":"Ph\xe1t h\xe0nh {date}","bloan.nocTransactionDate":"Ng\xe0y giao dịch","bloan.nocCancelByMidnight":"Hủy trước nửa đ\xeam","bloan.crPhaseSchedule":"L\xean lịch","bloan.crPhaseReview":"Xem x\xe9t","bloan.crPhaseSign":"K\xfd","bloan.crPhaseFund":"Giải ng\xe2n","bloan.crPhaseClose":"Ho\xe0n tất","bloan.crFailedToLoad":"Tải thất bại","bloan.crLoading":"Đang tải ph\xf2ng ho\xe0n tất của bạn…","bloan.crCouldNotLoad":"Kh\xf4ng thể tải ph\xf2ng ho\xe0n tất","bloan.crVeraAriaLabel":"Tr\xf2 chuyện ng\xe0y ho\xe0n tất với Breeze","bloan.crAskVera":"Hỏi Breeze","bloan.crVeraSuggestPark":"T\xf4i n\xean đỗ xe ở đ\xe2u?","bloan.crVeraSuggestArrive":"T\xf4i n\xean đến l\xfac mấy giờ?","bloan.crVeraSuggestCashToClose":"Số tiền mặt để ho\xe0n tất của t\xf4i l\xe0 bao nhi\xeau?","bloan.crVeraSuggestFundAfterSign":"Khoản vay của t\xf4i sẽ được giải ng\xe2n khi n\xe0o sau khi t\xf4i k\xfd?","bloan.crVeraSuggestDelays":"Điều g\xec xảy ra nếu c\xf3 g\xec đ\xf3 l\xe0m tr\xec ho\xe3n việc ho\xe0n tất?","bloan.crVeraSuggestWetDry":"Ho\xe0n tất ướt (wet close) kh\xe1c ho\xe0n tất kh\xf4 (dry close) như thế n\xe0o?","bloan.crVeraWelcome":"T\xf4i l\xe0 Breeze. H\xe3y hỏi t\xf4i bất cứ điều g\xec về việc ho\xe0n tất của bạn h\xf4m nay.","bloan.crEyebrow":"Ph\xf2ng ho\xe0n tất","bloan.crWelcomeNewHome":"Ch\xe0o mừng đến ng\xf4i nh\xe0 mới của bạn","bloan.crWelcomeName":"Ch\xe0o mừng, {name}","bloan.crDateNotSet":"Chưa đặt ng\xe0y","bloan.crAskVeraAnchor":"Hỏi Breeze về việc ho\xe0n tất của bạn →","bloan.crBannerPendingLabel":"Đang chờ 

1ng\xe0y ho\xe0n tất","bloan.crBannerPendingDetail":"Ng\xe0y ho\xe0n tất của bạn sẽ xuất hiện tại đ\xe2y sau khi bạn v\xe0 nh\xe0 m\xf4i giới thống nhất.","bloan.crBannerPastLabel":"Khoản vay đ\xe3 ho\xe0n tất","bloan.crBannerPastDetail":"Ng\xe0y ho\xe0n tất của bạn đ\xe3 qua. Chi tiết giải ng\xe2n + đăng k\xfd ở b\xean dưới.","bloan.crBannerTodayLabel":"Ho\xe0n tất h\xf4m nay","bloan.crBannerTodayDetail":"H\xf4m nay l\xe0 ng\xe0y đ\xf3. Xem x\xe9t cuối c\xf9ng + k\xfd diễn ra ngay b\xe2y giờ.","bloan.crBannerSoonLabelOne":"C\xf2n {days} ng\xe0y đến khi ho\xe0n tất","bloan.crBannerSoonLabelMany":"C\xf2n {days} ng\xe0y đến khi ho\xe0n tất","bloan.crBannerSoonDetail":"Chặng cuối — xem x\xe9t bộ hồ sơ ho\xe0n tất v\xe0 chuẩn bị sẵn tiền của bạn.","bloan.crBannerNormalLabel":"C\xf2n {days} ng\xe0y đến khi ho\xe0n tất","bloan.crBannerNormalDetail":"Bạn đang trong giai đoạn ho\xe0n tất. H\xe3y d\xf9ng ph\xf2ng n\xe0y l\xe0m điểm đến duy nhất cho mọi việc li\xean quan đến ho\xe0n tất.","bloan.crStepPickDate":"1. Chọn ng\xe0y ho\xe0n tất của bạn","bloan.crStepReviewCd":"2. Xem x\xe9t Closing Disclosure","bloan.crOpenItemsOne":"{count} mục vẫn cần được ch\xfa \xfd","bloan.crOpenItemsMany":"{count} mục vẫn cần được ch\xfa \xfd","bloan.crOpenItemsBody":"Người thẩm định của bạn c\xf3 c\xe1c y\xeau cầu chưa giải quyết. H\xe3y ho\xe0n th\xe0nh ch\xfang trước ng\xe0y ho\xe0n tất để việc k\xfd kh\xf4ng bị tr\xec ho\xe3n.","bloan.crViewOpenItems":"Xem c\xe1c mục chưa giải quyết","bloan.crStepSign":"3. K\xfd bộ hồ sơ ho\xe0n tất","bloan.crSignNotOpenTitle":"Chưa mở phần k\xfd","bloan.crSignNotOpenReady":"Nh\xe0 m\xf4i giới của bạn đang chuẩn bị bộ hồ sơ ho\xe0n tất. Ch\xfang t\xf4i sẽ gửi email + th\xf4ng b\xe1o đẩy ngay khi sẵn s\xe0ng để k\xfd.","bloan.crSignNotOpenWaiting":"Closing Disclosure của bạn phải được xem x\xe9t trước. Sau khi thời gian chờ 3 ng\xe0y l\xe0m việc tr\xf4i qua, phần k\xfd sẽ mở.","bloan.crSignedTitle":"Đ\xe3 k\xfd — l\xe0m tốt lắm!","bloan.crSignedBody":"Đ\xe3 k\xfd v\xe0o {when}. Tiếp theo l\xe0 giải ng\xe2n.","bloan.crSignDeclinedTitle":"Việc k\xfd đ\xe3 bị từ chối","bloan.crSignDeclinedBody":"H\xe3y li\xean hệ nh\xe0 m\xf4i giới của bạn — bạn c\xf3 thể mở lại phong b\xec sau khi giải quyết c\xe1c thắc mắc.","bloan.crReadyToSignTitle":"Sẵn s\xe0ng để k\xfd","bloan.crReadyToSignBody":"H\xe3y d\xe0nh ra 15-30 ph\xfat — bộ hồ sơ ho\xe0n tất gồm nhiều t\xe0i liệu (hợp đồng vay, chứng thư, c\xf4ng bố).","bloan.crOpenSigningPortal":"Mở cổng k\xfd","bloan.crStepNotary":"3a. L\xean lịch c\xf4ng chứng vi\xean của bạn","bloan.crNeedHelp":"Cần trợ gi\xfap?","bloan.crNeedHelpBody":"Ng\xe0y ho\xe0n tất c\xf3 nhiều bộ phận li\xean quan — quyền sở hữu, b\xean cho vay, c\xf4ng chứng vi\xean, tiền của bạn. H\xe3y li\xean hệ v\xe0 ch\xfang t\xf4i sẽ sắp xếp mọi thứ.","bloan.crContactBroker":"Li\xean hệ nh\xe0 m\xf4i giới của bạn","bdocs.required":"Bắt buộc","bdocs.pendingUpload":"Đang chờ tải l\xean","bdocs.whatIsThis":"Đ\xe2y l\xe0 g\xec?","bdocs.whatIsThisPrompt":'T\xf4i cần tải l\xean "{name}" nhưng kh\xf4ng chắc ch\xednh x\xe1c n\xf3 l\xe0 g\xec hoặc l\xe0m sao để c\xf3 được. H\xe3y hướng dẫn t\xf4i về t\xe0i liệu n\xe0y l\xe0 g\xec, tại sao khoản vay của t\xf4i cần n\xf3, v\xe0 t\xf4i c\xf3 thể t\xecm hoặc y\xeau cầu n\xf3 ở đ\xe2u.',"bdocs.upload":"Tải l\xean","bdocs.backToDashboard":"Quay lại bảng điều khiển","bdocs.documentCenter":"Trung t\xe2m t\xe0i liệu","bdocs.headerTitle":"Tất cả t\xe0i liệu khoản vay của bạn ở một nơi","bdocs.headerSubtitle":"Tải l\xean phiếu lương, tờ khai thuế, sao k\xea ng\xe2n h\xe0ng v\xe0 giấy tờ t\xf9y th\xe2n. Ch\xfang t\xf4i nhận dạng OCR mọi thứ v\xe0 chuyển từng tệp đến đ\xfang vị tr\xed — bạn kh\xf4ng cần phải gắn nh\xe3n bất cứ thứ g\xec.","bdocs.offlineBanner":"Bạn đang ngoại tuyến. Đang hiển thị danh s\xe1ch t\xe0i liệu đ\xe3 lưu gần nhất — việc tải l\xean đang tạm dừng.","bdocs.cachedFrom":"Đ\xe3 lưu bộ nhớ đệm từ {date}","bdocs.verified":"Đ\xe3 x\xe1c minh","bdocs.uploaded":"Đ\xe3 tải l\xean","bdocs.pending":"Đang chờ","bdocs.fileCountOne":"{count} tệp","bdocs.fileCountMany":"{count} tệp","bdocs.totalDocs":"Tổng số t\xe0i liệu","bdocs.documentCollection":"Thu thập t\xe0i liệu","bdocs.collectedCount":"Đ\xe3 thu thập {collected} tr\xean {total}","bdocs.smartUpload":"Tải l\xean th\xf4ng minh","bdocs.smartUploadSubtitle":"Thả bất kỳ tệp n\xe0o — ch\xfang t\xf4i sẽ x\xe1c định n\xf3 l\xe0 g\xec v\xe0 thuộc về đ\xe2u.","bdocs.stillNeeded":"Vẫn cần ({count})","bdocs.uploadToClear":"Tải l\xean để ho\xe0n tất từng mục.","bdocs.submitted":"Đ\xe3 gửi ({count})","bdocs.reviewDiscrepancies":"Xem lại điểm kh\xf4ng khớp →","bdocs.emptyTitle":"Chưa c\xf3 t\xe0i liệu n\xe0o được tải l\xean","bdocs.empty

1Description":"Thả một tệp v\xe0o khu vực tải l\xean th\xf4ng minh ở tr\xean. Ch\xfang t\xf4i sẽ tự động ph\xe2n loại v\xe0 chuyển đến đ\xfang vị tr\xed.","bdocs.readyToSubmit":"Sẵn s\xe0ng gửi","bdocs.requiredRemainingOne":"C\xf2n {count} mục bắt buộc","bdocs.requiredRemainingMany":"C\xf2n {count} mục bắt buộc","bdocs.submitHeadingReady":"Gửi hồ sơ của bạn để xem x\xe9t","bdocs.submitHeadingAlmost":"Sắp xong rồi","bdocs.submitBodyReady":"Sau khi bạn gửi, c\xe1n bộ t\xedn dụng của bạn sẽ xem x\xe9t hồ sơ v\xe0 nộp cho b\xean cho vay của bạn.","bdocs.submitBodyAlmost":"Tải l\xean c\xe1c mục bắt buộc c\xf2n lại ở tr\xean. N\xfat sẽ tự động mở kh\xf3a khi bạn ho\xe0n tất.","bdocs.submitting":"Đang gửi…","bdocs.submitApplication":"Gửi đơn đăng k\xfd","bdocs.askVeraLabel":"Hỏi Breeze xem bạn c\xf2n cần những t\xe0i liệu n\xe0o","bdocs.askVeraPrompt":"H\xe3y gi\xfap t\xf4i hiểu những t\xe0i liệu n\xe0o t\xf4i c\xf2n cần tải l\xean v\xe0 mỗi t\xe0i liệu d\xf9ng để l\xe0m g\xec.","bdocs.mismatchTitle":"Ph\xe1t hiện khả năng kh\xf4ng khớp","bdocs.proceedAnyway":"Vẫn tiếp tục","bdocs.fieldFile":"Tệp","bdocs.fieldTargeting":"Đ\xedch đến","bdocs.fieldDetected":"Đ\xe3 ph\xe1t hiện","bdocs.reviewing":"Đang xem x\xe9t","bdocs.noFilesUploaded":"Chưa tải l\xean tệp n\xe0o","bdocs.toastScanning":"Đang qu\xe9t {count} t\xe0i liệu...","bdocs.toastProcessedOne":"Đ\xe3 xử l\xfd th\xe0nh c\xf4ng {count} t\xe0i liệu.","bdocs.toastProcessedMany":"Đ\xe3 xử l\xfd th\xe0nh c\xf4ng {count} t\xe0i liệu.","bdocs.toastUnidentified":"Kh\xf4ng thể nhận dạng c\xe1c tệp đ\xe3 tải l\xean. Vui l\xf2ng tải l\xean thủ c\xf4ng v\xe0o một danh mục cụ thể.","bdocs.toastAnalyzing":"Đang ph\xe2n t\xedch t\xe0i liệu...","bdocs.toastUploadSuccess":"Đ\xe3 tải l\xean t\xe0i liệu th\xe0nh c\xf4ng.","bdocs.toastUploadError":"Lỗi khi xử l\xfd t\xe0i liệu.","bdocs.toastUploadCancelled":"Đ\xe3 hủy tải l\xean","bdocs.toastSubmitFailed":"Kh\xf4ng gửi được đơn đăng k\xfd. Vui l\xf2ng thử lại.","bdocs.documentFallback":"T\xe0i liệu","bdocs.issueTypeMismatch":"Đ\xe2y c\xf3 vẻ l\xe0 {detected} (độ tin cậy {confidence}%), nhưng bạn đang tải l\xean v\xe0o {target}.","bdocs.issueLastNameMissing":'Kh\xf4ng t\xecm thấy họ của người vay "{lastName}" trong t\xe0i liệu.',"bdocs.issueDobMismatch":"Ng\xe0y sinh kh\xf4ng khớp: đơn đăng k\xfd ghi {appDob}, giấy tờ t\xf9y th\xe2n n\xe0y ghi {idDob}.","bdocs.issueIncomeMismatch":"Thu nhập kh\xf4ng khớp: phiếu lương cho thấy ~${detected}/th\xe1ng, nhưng đơn đăng k\xfd ghi ${reported}/th\xe1ng.","bdocs.esignStatusSent":"Đ\xe3 gửi — đang chờ k\xfd","bdocs.esignStatusViewed":"Đ\xe3 xem — đang chờ k\xfd","bdocs.esignStatusSigned":"Đ\xe3 k\xfd","bdocs.esignStatusDeclined":"Đ\xe3 từ chối","bdocs.esignStatusExpired":"Đ\xe3 hết hạn","bdocs.esignStatusVoided":"Đ\xe3 hủy bỏ","bdocs.esignStatusFailed":"Thất bại","bdocs.esignFrameSubtitle":"Phong b\xec k\xfd điện tử","bdocs.esignMissingEnvelopeTitle":"Thiếu id phong b\xec","bdocs.esignMissingEnvelopeBody":"Kh\xf4ng c\xf3 id phong b\xec n\xe0o được cung cấp. Trang n\xe0y được truy cập qua URL k\xfd điện tử stub — nếu bạn đến đ\xe2y trực tiếp, đ\xf3 ch\xednh l\xe0 vấn đề.","bdocs.esignSignInTitle":"Đăng nhập để tiếp tục","bdocs.esignSignInBody":"Bạn cần đăng nhập để xem phong b\xec k\xfd n\xe0y.","bdocs.esignBorrowerSignIn":"Đăng nhập người vay","bdocs.esignStaffSignIn":"Đăng nhập nh\xe0 m\xf4i giới / c\xe1n bộ t\xedn dụng / quản trị vi\xean","bdocs.esignForbiddenTitle":"Bị cấm","bdocs.esignForbiddenBody":"Bạn kh\xf4ng c\xf3 quyền truy cập phong b\xec k\xfd n\xe0y.","bdocs.esignStubTitle":"Phong b\xec k\xfd điện tử stub","bdocs.esignStubProviderHeading":"Nh\xe0 cung cấp stub — chỉ d\xe0nh cho ph\xe1t triển","bdocs.esignStubProviderBody":'Trong m\xf4i trường sản xuất, bề mặt n\xe0y sẽ được thay thế bằng Dropbox Sign / DocuSign / DocMagic eSign sau khi chọn được nh\xe0 cung cấp. Nhấp v\xe0o "K\xfd" b\xean dưới sẽ k\xedch hoạt sự kiện webhook envelope.signed để nh\xe3n tr\xean giao diện nh\xe0 m\xf4i giới chuyển sang Đ\xe3 k\xfd — c\xf9ng một luồng dữ liệu m\xe0 c\xe1c adapter thực sẽ sử dụng.',"bdocs.esignProvi

1der":"Nh\xe0 cung cấp","bdocs.esignSigner":"Người k\xfd","bdocs.esignSent":"Đ\xe3 gá»­i","bdocs.esignStatus":"Trạng th\xe1i","bdocs.esignSignedAt":"Đ\xe3 k\xfd l\xfac","bdocs.esignBackDisclosures":"← Quay lại c\xe1c t\xe0i liệu c\xf4ng bố của bạn","bdocs.esignBackBrokerLoan":"← Quay lại chế độ xem khoản vay của nh\xe0 m\xf4i giới","bdocs.recordingSignature":"Đang ghi nhận chữ k\xfd…","bdocs.signEnvelopeStub":"K\xfd phong b\xec (stub)","bdocs.fillSubmitFailed":"Gá»­i thất bại ({status})","bdocs.fillNetworkError":"Lỗi mạng","bdocs.fillDoneTitle":"Đ\xe3 xong, {name}!","bdocs.fillDoneBody":"{brokerName} đ\xe3 được th\xf4ng b\xe1o. Họ sẽ li\xean hệ với bạn sớm.","bdocs.fillGreeting":"Ch\xe0o {name} \uD83D\uDC4B","bdocs.fillIntro":"{brokerName} cần một v\xe0i th\xf4ng tin để khoản vay của bạn tiếp tục tiến triển:","bdocs.fillLoanAmount":"Số tiền vay","bdocs.fillLoanAmountHint":"Số tiền bạn muốn vay.","bdocs.fillLoanAmountPlaceholder":"v\xed dụ 450,000","bdocs.fillPropertyValue":"Gi\xe1 trị bất động sản","bdocs.fillPropertyValueHint":"Ước t\xednh tốt nhất về gi\xe1 trị của ng\xf4i nh\xe0.","bdocs.fillPropertyValuePlaceholder":"v\xed dụ 600,000","bdocs.fillOccupancy":"Bạn sẽ sá»­ dụng bất động sản n\xe0y nhÆ° thế n\xe0o?","bdocs.fillSelect":"Chọn…","bdocs.fillOccupancyPrimary":"Nh\xe0 ở ch\xednh (nÆ¡i t\xf4i sẽ sống)","bdocs.fillOccupancySecond":"Nh\xe0 thứ hai / nh\xe0 nghỉ dưỡng","bdocs.fillOccupancyInvestment":"Đầu tÆ° / cho thu\xea","bdocs.fillLoanPurpose":"Mục đ\xedch vay","bdocs.fillPurposePurchase":"Mua nh\xe0 mới","bdocs.fillPurposeRefinance":"T\xe1i cấp vốn khoản vay hiện tại của t\xf4i","bdocs.fillPropertyType":"Loại bất động sản","bdocs.fillTypeSingleFamily":"Nh\xe0 ở đơn lập","bdocs.fillTypeCondo":"Căn hộ chung cÆ°","bdocs.fillTypeTownhouse":"Nh\xe0 phố liền kề","bdocs.fillTypeMultiFamily":"2-4 căn (nhiều hộ)","bdocs.fillTypeManufactured":"Nh\xe0 chế tạo sẵn","bdocs.fillEmail":"Địa chỉ email","bdocs.fillEmailHint":"Để c\xe1n bộ t\xedn dụng của bạn c\xf3 thể li\xean hệ với bạn.","bdocs.fillEmailPlaceholder":"[email protected]","bdocs.fillSending":"Đang gá»­i…","bdocs.fillSendToLO":"Gá»­i cho c\xe1n bộ t\xedn dụng của t\xf4i","bdocs.fillPrivacyNote":"Ch\xfang t\xf4i chỉ chia sẻ những th\xf4ng tin n\xe0y với c\xe1n bộ t\xedn dụng của bạn.","bdocs.fillLinkNotFoundTitle":"Kh\xf4ng t\xecm thấy li\xean kết","bdocs.fillLinkNotFoundBody":"Li\xean kết n\xe0y kh\xf4ng hợp lệ hoặc đ\xe3 bị x\xf3a. Nếu bạn cho rằng đ\xe2y l\xe0 nhầm lẫn, h\xe3y li\xean hệ với c\xe1n bộ t\xedn dụng của bạn.","bdocs.fillLinkExpiredTitle":"Li\xean kết đ\xe3 hết hạn","bdocs.fillLinkExpiredBody":"Li\xean kết n\xe0y đ\xe3 hết hạn. H\xe3y li\xean hệ với c\xe1n bộ t\xedn dụng của bạn để nhận li\xean kết mới.","bdocs.fillAlreadySubmittedTitle":"Đ\xe3 gá»­i rồi","bdocs.fillAlreadySubmittedBody":"Cảm Æ¡n — ch\xfang t\xf4i đ\xe3 nhận được th\xf4ng tin cá»

1§a bạn. C\xe1n bộ t\xedn dụng của bạn đ\xe3 được th\xf4ng b\xe1o.","bdocs.fillBrokerFallback":"C\xe1n bộ t\xedn dụng của bạn","bdocs.fillBorrowerFallback":"bạn","bdocs.preApprovalEyebrow":"Ph\xea duyệt sÆ¡ bộ","bdocs.preApprovalHonestTitle":"Ph\xea duyệt sÆ¡ bộ của bạn","bdocs.preApprovalHonestSubtitle":"ThÆ° ph\xea duyệt sÆ¡ bộ ch\xednh thức của bạn đến từ b\xean cho vay — kh\xf4ng phải từ ước t\xednh tá»± động. C\xe1n bộ t\xedn dụng của bạn chuẩn bị v\xe0 chia sẻ với bạn khi hồ sÆ¡ của bạn sẵn s\xe0ng.","bdocs.preApprovalHowItWorks":"C\xe1ch hoạt động","bdocs.preApprovalLenderIssues":"B\xean cho vay cấp ph\xea duyệt sÆ¡ bộ của bạn","bdocs.preApprovalHonestPara1":"Ph\xea duyệt sÆ¡ bộ thá»±c sá»± phản \xe1nh mức gi\xe1 m\xe0 bạn thá»±c sá»± c\xf3 thể h\xe0nh động. Những con số đ\xf3 — l\xe3i suất, khoản thanh to\xe1n v\xe0 số tiền vay của bạn — được b\xean cho vay ấn định sau khi xem x\xe9t đơn đăng k\xfd của bạn, chứ kh\xf4ng phải bằng ước t\xednh tr\xean m\xe0n h\xecnh n\xe0y.","bdocs.preApprovalHonestPara2":"C\xe1n bộ t\xedn dụng của bạn tập hợp hồ sÆ¡ của bạn, định gi\xe1 theo t\xecnh huống thá»±c tế của bạn v\xe0 chia sẻ thÆ° ph\xea duyệt sÆ¡ bộ ch\xednh thức m\xe0 bạn c\xf3 thể trao cho người b\xe1n v\xe0 đại l\xfd. H\xe3y li\xean hệ v\xe0 họ sẽ bắt đầu xá»­ l\xfd.","bdocs.preApprovalWhatYouGet":"Những g\xec bạn sẽ nhận được","bdocs.preApprovalGetItem1":"Một l\xe1 thÆ° do b\xean cho vay cấp m\xe0 bạn c\xf3 thể chia sẻ khi đưa ra đề nghị mua.","bdocs.preApprovalGetItem2":"Mức gi\xe1 được xem x\xe9t dá»±a tr\xean t\xedn dụng, thu nhập v\xe0 t\xe0i sản thá»±c tế của bạn.","bdocs.preApprovalGetItem3":"Một c\xe1n bộ t\xedn dụng hướng dẫn bạn về c\xe1c con số.","bdocs.preApprovalTalkToLO":"Trao đổi với c\xe1n bộ t\xedn dụng của bạn","bdocs.preApprovalTalkToLOBody":"C\xe1n bộ t\xedn dụng của bạn sẽ chuẩn bị ph\xea duyệt sÆ¡ bộ ch\xednh thức v\xe0 chia sẻ với bạn.","bdocs.preApprovalMessageLO":"Nhắn tin cho c\xe1n bộ t\xedn dụng của bạn","bdocs.preApprovalReadyEyebrow":"Ph\xea duyệt sÆ¡ bộ của bạn đ\xe3 sẵn s\xe0ng","bdocs.preApprovalLetterTitle":"ThÆ° ph\xea duyệt sÆ¡ bộ của bạn","bdocs.preApprovalLetterSubtitle":"C\xe1n bộ t\xedn dụng của bạn đ\xe3 chia sẻ ph\xea duyệt sÆ¡ bộ ch\xednh thức từ b\xean cho vay của bạn. H\xe3y mở b\xean dưới, rồi trao cho người b\xe1n v\xe0 đại l\xfd khi bạn đưa ra đề nghị mua.","bdocs.preApprovalLenderIssuedLabel":"Do b\xean cho vay cấp","bdocs.preApprovalLetterFallback":"ThÆ° ph\xea duyệt sÆ¡ bộ","bdocs.preApprovalLetterBody":"Đ\xe2y l\xe0 ph\xea duyệt sÆ¡ bộ thá»±c sá»± do b\xean cho vay cấp — được c\xe1n bộ t\xedn dụng của bạn chuẩn bị v\xe0 chia sẻ. Mọi con số tr\xean đ\xf3 đều phản \xe1nh mức gi\xe1 m\xe0 bạn thá»±c sá»± c\xf3 thể h\xe0nh động.","bdocs.preApprovalFileFallback":"Pre-approval.pdf","bdocs.preApprovalShared":"Đ\xe3 chia sẻ {date}","bdocs.preApprovalOpenError":"Ch\xfang t\xf4i kh\xf4ng thể mở tệp ({error}). H\xe3y thá»­ lại sau gi\xe2y l\xe1t hoặc nhắn tin cho c\xe1n bộ t\xedn dụng của bạn.","bdocs.preApprovalLoading":"Đang tải…","bdocs.preApprovalView":"Xem ph\xea duyệt sÆ¡ bộ","bdocs.download":"Tải xuống","bdocs.preApprovalQuestions":"C\xf3 thắc mắc về ph\xea duyệt sÆ¡ bộ của bạn?","bdocs.preApprovalQuestionsBody":"C\xe1n bộ t\xedn dụng của bạn c\xf3 thể hướng dẫn bạn về c\xe1c con số v\xe0 c\xe1c bước tiếp theo.","bdocs.preApprovalRealThing":"H\xe0ng thật","bdocs.preApprovalRealThingBody":"L\xe1 thÆ° n\xe0y đến thẳng từ b\xean cho vay của bạn. Người b\xe1n v\xe0 đại l\xfd ni\xeam yết c\xf4ng nhận đ\xe2y l\xe0 bằng chứng cho thấy bạn c\xf3 thể ho\xe0n tất giao dịch.","bset.allSettings":"Tất cả c\xe0i đặt","bset.hubTitle":"C\xe0i đặt","bset.hubSubtitle":"Quản l\xfd t\xe0i khoản v\xe0 t\xf9y chọn của bạn.","bset.sectionProfileTitle":"Hồ sÆ¡","bset.sectionProfileDesc":"T\xean, email v\xe0 số điện thoại","bset.sectionSecurityTitle":"Bảo mật","bset.sectionSecurityDesc":"Mật khẩu, 2FA, passkey v\xe0 c\xe2u hỏi bảo mật","bset.sectionNotificationsTitle":"Th\xf4ng b\xe1o","bset.sectionNotificationsDesc":"C\xe1ch thức v\xe0 thời điểm ch\xfang t\xf4i cập nhật về khoản vay của bạn","bset.sectionAppearanceTitle":"Giao diện","bset.sectionAppearanceDesc":"Chủ đề v\xe0 m\xe0u sắc","bset.sectionConnectionsTitle":"Kết nối","bset.sectionConnectionsDesc":"T\xe0i khoản ng\xe2n h\xe0ng v\xe0 dịch vụ đ\xe3 li\xean kết","bset.sectionPrivacyTitle":"Quyền ri\xeang tÆ° v\xe0 dữ liệu","bset.sectionPrivacyDesc":"Tải xuống hoặc x\xf3a dữ liệu của bạn (CCPA / GDPR)","bset.privacyTitle":"Quyền ri\xeang tÆ° v\xe0 dữ liệu","bset.privacyDescription":"Theo CCPA của California v\xe0 GDPR, bạn c\xf3 quyền xem, xuất hoặc x\xf3a dữ liệu của m\xecnh. H\xe3y sá»­ dụng c\xe1c t\xf9y chọn b\xean dưới.","bset.privacyRetentionNote":"Ch\xfang t\xf4i sẽ phản hồi trong v\xf2ng 45 ng\xe0y. Một số dữ liệu bắt buộc phải lÆ°u giữ theo quy định ghi ch\xe9p li\xean bang (HMDA, BSA / OFAC, Reg B / ECOA, FCRA) v\xe0 phải được lÆ°u giữ ngay cả sau khi x\xf3a c\xe1c t\xf9y chọn c\xe1 nh\xe2n. Ch\xfang t\xf4i sẽ cho bạn biết những trường n\xe0o thuộc diện lÆ°u giữ n\xe0y khi xá»­ l\xfd y\xeau cầu của bạn.","bset.appearanceTitle":"Giao diện","bset.appearanceDescription":"T\xf9y chỉnh giao diện của cổng th\xf4ng tin.","bset.themeTitle":"Chủ đề","bset.themeDescription":"Chọn s\xe1ng, ná»­a đ\xeam hoặc đen tuyền.","bset.themeLight":"S\xe1ng","bset.themeMidnight":"Ná»­a đ\xeam","bset.themeTrueBlack":"Đen tuyền","bset.accentColorTitle":"M\xe0u nhấn","b

1set.accentColorDescription":"Được d\xf9ng cho n\xfat, li\xean kết v\xe0 phần được l\xe0m nổi bật.","bset.accentColorAria":"M\xe0u nhấn {name}","bset.colorIndigo":"Ch\xe0m","bset.colorOcean":"Đại dÆ°Æ¡ng","bset.colorForest":"Rừng","bset.colorSunset":"Ho\xe0ng h\xf4n","bset.colorLavender":"Oải hÆ°Æ¡ng","bset.connectionsTitle":"Kết nối","bset.connectionsDescription":"T\xe0i khoản ng\xe2n h\xe0ng v\xe0 c\xe1c dịch vụ kh\xe1c được kết nối với khoản vay của bạn.","bset.bankAccountPlaid":"T\xe0i khoản ng\xe2n h\xe0ng (Plaid)","bset.bankAccountDescription":"Tá»± động điền số dÆ° ng\xe2n h\xe0ng v\xe0 sao k\xea của bạn v\xe0o mẫu 1003. Bạn c\xf3 thể ngắt kết nối bất cứ l\xfac n\xe0o; việc ngắt kết nối cÅ©ng sẽ x\xf3a dữ liệu m\xe0 ch\xfang t\xf4i đ\xe3 lÆ°u từ Plaid.","bset.loading":"Đang tải…","bset.startApplicationToConnect":"Bắt đầu một đơn đăng k\xfd để kết nối ng\xe2n h\xe0ng.","bset.bankConnected":"Đ\xe3 kết nối ng\xe2n h\xe0ng","bset.bankConnectedNamed":"Đ\xe3 kết nối ng\xe2n h\xe0ng — {name}","bset.noBankConnected":"ChÆ°a kết nối ng\xe2n h\xe0ng. Bạn c\xf3 thể li\xean kết một ng\xe2n h\xe0ng từ mục T\xe0i sản trong đơn đăng k\xfd của bạn.","bset.productAssetReport":"B\xe1o c\xe1o t\xe0i sản","bset.productAssetReportPending":"Đang lấy số dÆ° của 2 năm…","bset.productIncomeVerification":"X\xe1c minh thu nhập","bset.productIncomePending":"Đang ph\xe2n t\xedch c\xe1c khoản nạp trá»±c tiếp…","bset.productConsumerReport":"B\xe1o c\xe1o người ti\xeau d\xf9ng","bset.productConsumerPending":"Đang x\xe2y dá»±ng c\xe1c t\xedn hiệu d\xf2ng tiền…","bset.productReady":"Sẵn s\xe0ng","bset.productFailed":"Thất bại — h\xe3y li\xean hệ chuy\xean vi\xean cho vay của bạn","bset.profileTitle":"Hồ sÆ¡","bset.profileDescription":"T\xean v\xe0 th\xf4ng tin li\xean hệ của bạn tr\xean khoản vay.","bset.profileLoadError":"Kh\xf4ng thể tải hồ sÆ¡ của bạn.","bset.personalInformation":"Th\xf4ng tin c\xe1 nh\xe2n","bset.personalInformationDesc":"Tá»± động lÆ°u khi bạn nhập. Được d\xf9ng tr\xean đơn đăng k\xfd 1003 v\xe0 c\xe1c bản c\xf4ng bố th\xf4ng tin cá»

1§a bạn.","bset.fieldFirstName":"T\xean","bset.fieldMiddleName":"T\xean đệm","bset.fieldLastName":"Họ","bset.fieldEmail":"Email","bset.fieldEmailHelp":"Việc thay đổi email cần được x\xe1c minh — h\xe3y li\xean hệ bộ phận hỗ trợ.","bset.fieldPhone":"Điện thoại","bset.unsavedProfileEdits":"c\xe1c chỉnh sá»­a hồ sÆ¡ chÆ°a được lÆ°u của bạn","bset.saveFailed":"LÆ°u thất bại.","bset.saving":"Đang lÆ°u…","bset.saveNow":"LÆ°u ngay","bset.savedAt":"Đ\xe3 lÆ°u {time}","bset.saveFailedRetry":"LÆ°u thất bại — nhấn LÆ°u để thá»­ lại","bset.autoSaving":"Đang tá»± động lÆ°u…","bset.upToDate":"Đ\xe3 cập nhật","bset.securityTitle":"Bảo mật","bset.securityDescription":"Kh\xf3a chặt t\xe0i khoản của bạn.","bset.twoFactorTitle":"X\xe1c thá»±c hai yếu tố","bset.twoFactorDescription":"Th\xeam một m\xe3 từ ứng dụng x\xe1c thá»±c b\xean cạnh mật khẩu của bạn.","bset.passkeysTitle":"Passkey","bset.passkeysDescription":"Đăng nhập bằng v\xe2n tay, khu\xf4n mặt hoặc m\xe3 PIN thiết bị của bạn — chống lừa đảo v\xe0 được khuyến nghị.","bset.securityQuestionsTitle":"C\xe2u hỏi bảo mật","bset.securityQuestionsDescription":"Được d\xf9ng l\xe0m phÆ°Æ¡ng \xe1n dá»± ph\xf2ng khi bạn đăng nhập từ thiết bị mới.","bset.recentSignInsTitle":"Lần đăng nhập gần đ\xe2y","bset.recentSignInsDescription":"C\xe1c thiết bị đ\xe3 đăng nhập v\xe0o t\xe0i khoản của bạn. Nếu bạn kh\xf4ng nhận ra thiết bị n\xe0o, h\xe3y đổi mật khẩu.","bset.passwordTitle":"Mật khẩu","bset.passwordDescription":"Thay đổi mật khẩu sẽ đăng xuất c\xe1c thiết bị kh\xe1c.","bset.passwordTooShort":"Mật khẩu mới phải c\xf3 \xedt nhất 8 k\xfd tá»±.","bset.passwordsDoNotMatch":"Mật khẩu mới kh\xf4ng khớp.","bset.passwordChangeError":"Kh\xf4ng thể thay đổi mật khẩu.","bset.currentPassword":"Mật khẩu hiện tại","bset.newPassword":"Mật khẩu mới","bset.confirmNewPassword":"X\xe1c nhận mật khẩu mới","bset.passwordUpdated":"Đ\xe3 cập nhật mật khẩu.","bset.changePassword":"Đổi mật khẩu","bset.cancel":"Hủy","bset.twoFactorEnabled":"2FA đ\xe3 được bật.","bset.disableTwoFactor":"Tắt 2FA","bset.disableTwoFactorWarning":"Tắt 2FA nghÄ©a l\xe0 t\xe0i khoản của bạn sẽ chỉ dá»±a v\xe0o mật khẩu v\xe0 m\xe3 gá»­i qua email. Bạn c\xf3 chắc chắn kh\xf4ng?","bset.disabling":"Đang tắt…","bset.confirmDisableTwoFactor":"C\xf3, tắt 2FA","bset.loadingShort":"Đang tải…","bset.setUpTwoFactor":"Thiết lập 2FA","bset.scanWithAuthenticator":"Qu\xe9t bằng Google Authenticator, Authy hoặc 1Password.","bset.twoFactorQrAlt":"M\xe3 QR 2FA","bset.manualKeyLabel":"Kh\xf3a thủ c\xf4ng:","bset.sixDigitCode":"M\xe3 6 chữ số","bset.authenticatorCodeAria":"M\xe3 6 chữ số từ tr\xecnh x\xe1c thá»±c","bset.verifyAndEnable":"X\xe1c minh v\xe0 bật","bset.notificationsTitle":"Th\xf4ng b\xe1o","bset.notificationsDescription":"Chọn c\xe1ch ch\xfang t\xf4i cập nhật về khoản vay của bạn.","bset.channelsTitle":"K\xeanh","bset.savesAutomatically":"Tá»± động lÆ°u.","bset.emailLabel":"Email","bset.emailDescription":"Cập nhật trạng th\xe1i, y\xeau cầu t\xe0i liệu v\xe0 c\xe1c mốc quan trọng.","bset.smsLabel":"SMS","bset.smsDescription":"Chỉ c\xe1c cảnh b\xe1o khẩn cấp — x\xe1c nhận kh\xf3a l\xe3i suất v\xe0 y\xeau cầu k\xfd.","bset.prefsLoadError":"Kh\xf4ng thể tải t\xf9y chọn.","bset.condPrefsLoadError":"Kh\xf4ng thể tải t\xf9y chọn điều kiện.","bset.saveFailedToggleReverted":"LÆ°u thất bại — đ\xe3 ho\xe0n nguy\xean c\xf4ng tắc.","bset.saveFailedTryAgain":"LÆ°u thất bại — vui l\xf2ng thá»­ lại.","bset.saveFailedShort":"LÆ°u thất bại","bset.conditionNotificationsTitle":"Th\xf4ng b\xe1o điều kiện","bset.conditionNotificationsDescription":"Chọn những cảnh b\xe1o n\xe0o được k\xedch hoạt khi chuy\xean vi\xean cho vay của bạn th\xeam hoặc cập nhật điều kiện. C\xe1c k\xeanh m\xe0 chuy\xean vi\xean cho vay chÆ°a bật sẽ hiển thị mờ.","bset.condNewEmailLabel":"Email điều kiện mới","bset.condNewEmailDesc":"Khi c\xf3 điều kiện mới được th\xeam v\xe0o khoản vay của bạn","bset.condWeeklyDigestLabel":"Bản t\xf3m tắt hằng tuần","bset.condWeeklyDigestDesc":"T\xf3m tắt c\xe1c mục c\xf2n mở v\xe0o Chá»

1§ Nhật","bset.condStaleReminderLabel":"Nhắc nhở điều kiện chÆ°a xá»­ l\xfd","bset.condStaleReminderDesc":"Một th\xf4ng b\xe1o sau 7 ng\xe0y khi một điều kiện kh\xf4ng c\xf3 hoạt động n\xe0o","bset.condInAppToastLabel":"Th\xf4ng b\xe1o trong ứng dụng v\xe0o lần truy cập tiếp theo","bset.condInAppToastDesc":"Số lượng mục mới hiển thị khi bạn mở cổng th\xf4ng tin","bset.condPushLabel":"Th\xf4ng b\xe1o đẩy","bset.condPushDesc":"Đẩy qua PWA (ứng dụng phải được c\xe0i đặt)","bset.noLoanAssigned":"ChÆ°a c\xf3 khoản vay n\xe0o được chỉ định — c\xe1c t\xf9y chọn của bạn đ\xe3 được lÆ°u v\xe0 sẽ c\xf3 hiệu lá»±c khi chuy\xean vi\xean cho vay của bạn được kết nối.","bset.voiceAccessibilityTitle":"Giọng n\xf3i v\xe0 trợ năng","bset.voiceAccessibilityDescription":"Kiểm so\xe1t c\xe1ch Breeze tÆ°Æ¡ng t\xe1c với bạn bằng giọng n\xf3i của bạn.","bset.voiceInputLabel":"Nhập bằng giọng n\xf3i — cho ph\xe9p t\xf4i đọc c\xe2u hỏi cho Breeze","bset.voiceInputDescription":"Sá»­ dụng micr\xf4 của tr\xecnh duyệt. Cần được tr\xecnh duyệt hỗ trợ.","bset.voiceOutputLabel":"Đầu ra giọng n\xf3i — đọc to c\xe2u trả lời của Breeze","bset.voiceOutputDescription":"Một n\xfat ph\xe1t sẽ xuất hiện b\xean cạnh mỗi tin nhắn của Breeze.","bset.channelNotEnabledTooltip":"Chuy\xean vi\xean cho vay của bạn chÆ°a bật k\xeanh n\xe0y","bset.notEnabledByLoanOfficer":"ChÆ°a được chuy\xean vi\xean cho vay của bạn bật","binfo.resGuidesTitle":"Hướng dẫn thá»±c h\xe0nh","binfo.resGuidesDesc":"Th\xf4ng tin chi tiết từng bước về mua nh\xe0, c\xf3 được l\xe3i suất tốt nhất v\xe0 cải thiện t\xedn dụng nhanh ch\xf3ng.","binfo.resChecklistTitle":"Danh s\xe1ch t\xe0i liệu","binfo.resChecklistDesc":"Đừng để bị bất ngờ. Ch\xednh x\xe1c những hồ sÆ¡ t\xe0i ch\xednh bạn cần để được ph\xea duyệt ngay lập tức.","binfo.resGlossaryTitle":"Thuật ngữ thế chấp","binfo.resGlossaryDesc":"Giải m\xe3 thuật ngữ chuy\xean ng\xe0nh phức tạp. Định nghÄ©a r\xf5 r\xe0ng cho c\xe1c thuật ngữ nhÆ° Khấu hao v\xe0 K\xfd quỹ (Escrow).","binfo.faqDownPaymentQ":"T\xf4i cần bao nhi\xeau cho khoản trả trước?","binfo.faqDownPaymentA":"Điều n\xe0y t\xf9y thuộc v\xe0o loại khoản vay. Khoản vay FHA chỉ y\xeau cầu thấp nhất 3.5%, khoản vay th\xf4ng thường thường l\xe0 3–5%, v\xe0 khoản vay VA / USDA c\xf3 thể trả trước 0% đối với người vay đủ điều kiện. Nh\xe0 m\xf4i giới của bạn sẽ hướng dẫn bạn về những đ\xe1nh đổi cho t\xecnh huống của bạn.","binfo.faqCreditScoreQ":"T\xf4i cần điểm t\xedn dụng bao nhi\xeau để được ph\xea duyệt?","binfo.faqCreditScoreA":"Hầu hết c\xe1c b\xean cho vay th\xf4ng thường muốn điểm từ 620 trở l\xean. Khoản vay FHA chấp nhận điểm thấp tới 580 (hoặc thấp hÆ¡n với khoản trả trước lớn hÆ¡n v\xe0 c\xe1c yếu tố b\xf9 trừ). Điểm cao hÆ¡n mở ra l\xe3i suất tốt hÆ¡n — h\xe3y nhắm tới 740+ để đạt bậc gi\xe1 tốt nhất.","binfo.faqProcessTimeQ":"To\xe0n bộ quy tr\xecnh mất bao l\xe2u?","binfo.faqProcessTimeA":"Từ l\xfac nộp đơn đăng k\xfd đến khi giải ng\xe2n, hầu hết c\xe1c giao dịch mua ho\xe0n tất trong 30–45 ng\xe0y. Yếu tố thay đổi nhiều nhất l\xe0 tốc độ t\xe0i liệu được gá»­i đến — chuẩn bị sẵn mọi thứ ngay từ ng\xe0y đầu c\xf3 thể r\xfat ngắn một tuần hoặc hÆ¡n.","binfo.faqRateLockQ":"Khi n\xe0o t\xf4i n\xean kh\xf3a l\xe3i suất?","binfo.faqRateLockA":"L\xe3i suất thay đổi hằng ng\xe0y. Khi bạn đ\xe3 c\xf3 lời đề nghị được chấp nhận v\xe0 một khoản thanh to\xe1n bạn c\xf3 thể chịu được, kh\xf3a l\xe3i suất thường l\xe0 lá»±a chọn đ\xfang đắn — n\xf3 loại bỏ rủi ro l\xe3i suất biến động bất lợi trong khi hồ sÆ¡ của bạn đang được thẩm định. Nh\xe0 m\xf4i giới của bạn sẽ tÆ° vấn về thời điểm.","binfo.learningCenter"

1:"Trung t\xe2m học tập","binfo.heroTitlePrefix":"Kiến thức l\xe0","binfo.heroTitleHighlight":"sức mạnh","binfo.heroSubtitle":"Hướng dẫn, định nghĩa v\xe0 danh s\xe1ch kiểm tra gi\xfap bạn hiểu khoản vay của m\xecnh từ đầu đến khi ho\xe0n tất.","binfo.open":"Mở","binfo.commonQuestions":"C\xe2u hỏi thường gặp","binfo.checklistTitle":"Danh s\xe1ch t\xe0i liệu","binfo.checklistSubtitle":"Chuẩn bị đ\xfang t\xe0i liệu ngay từ đầu c\xf3 thể đẩy nhanh qu\xe1 tr\xecnh vay của bạn nhiều tuần. Đ\xe2y l\xe0 những g\xec bạn thường cần.","binfo.proTip":"Mẹo hữu \xedch","binfo.proTipBody":"Bạn c\xf3 thể tải l\xean c\xe1c t\xe0i liệu n\xe0y trực tiếp trong bảng điều khiển của m\xecnh sau khi bắt đầu đơn đăng k\xfd. Cổng th\xf4ng tin bảo mật của ch\xfang t\xf4i gi\xfap bạn dễ d\xe0ng gửi mọi thứ từ điện thoại hoặc m\xe1y t\xednh.","binfo.glossarySubtitle":"Giải m\xe3 ng\xf4n ngữ của ng\xe0nh cho vay.","binfo.glossarySearchPlaceholder":"T\xecm thuật ngữ...","binfo.glossarySearchAria":"T\xecm thuật ngữ thế chấp","binfo.glossaryRegionAria":"C\xe1c thuật ngữ","binfo.glossaryNoResults":"Kh\xf4ng t\xecm thấy thuật ngữ n\xe0o khớp với “{search}”","binfo.glossaryTermsStartingWith":"C\xe1c thuật ngữ bắt đầu bằng {letter}","binfo.backToResources":"Quay lại t\xe0i nguy\xean","binfo.readyNextStep":"Sẵn s\xe0ng cho bước tiếp theo?","binfo.glossaryEyebrow":"Thuật ngữ","binfo.glossaryPlainTitle":"Thuật ngữ thế chấp bằng ng\xf4n ngữ đơn giản","binfo.glossaryPlainSubtitle":"{count} thuật ngữ bạn sẽ thấy trong hồ sơ khoản vay. T\xecm kiếm một thuật ngữ cụ thể, hoặc cuộn xem to\xe0n bộ danh s\xe1ch.","binfo.backToDashboard":"Quay lại bảng điều khiển","binfo.helpEyebrow":"Trợ gi\xfap & hướng dẫn","binfo.helpTitle":"Mọi điều bạn cần biết","binfo.helpSubtitle":"Hướng dẫn bằng ng\xf4n ngữ đơn giản cho mọi trang trong cổng th\xf4ng tin người vay của bạn. D\xf9ng mục lục b\xean dưới để chuyển nhanh, hoặc cuộn để xem to\xe0n bộ hướng dẫn.","binfo.watchTheTour":"Xem hướng dẫn","binfo.tableOfContents":"Mục lục","binfo.tocDashboard":"Bảng điều khiển","binfo.tocLoanStatusPanel":"Bảng trạng th\xe1i khoản vay","binfo.tocUploadingDocuments":"Tải l\xean t\xe0i liệu","binfo.toc1003Application":"Đơn đăng k\xfd 1003","binfo.tocPricingRateLocks":"Định gi\xe1 & kh\xf3a l\xe3i suất","binfo.tocAccountSecurity":"Bảo mật t\xe0i khoản","binfo.tocNotificationsPreferences":"Th\xf4ng b\xe1o & t\xf9y chọn","binfo.tocContactingBroker":"Li\xean hệ nh\xe0 m\xf4i giới của bạn","binfo.tocTroubleshooting":"Khắc phục sự cố","binfo.secDashboardTitle":"Bảng điều khiển của bạn","binfo.secStatusTitle":"Bảng trạng th\xe1i khoản vay","binfo.secDocumentsTitle":"Tải l\xean t\xe0i liệu","binfo.sec1003Title":"Đơn đăng k\xfd 1003","binfo.secPricingTitle":"Định gi\xe1 & kh\xf3a l\xe3i suất","binfo.secSecurityTitle":"Bảo mật t\xe0i khoản","binfo.secSettingsTitle":"Th\xf4ng b\xe1o & t\xf9y chọn","binfo.secContactTitle":"Li\xean hệ nh\xe0 m\xf4i giới của bạn","binfo.secTroubleshootTitle":"Khắc phục sự cố","binfo.stillStuck":"Vẫn gặp kh\xf3 khăn?","binfo.startSpotlightTour":"Bắt đầu hướng dẫn nổi bật","binfo.welcome":"Ch\xe0o mừng","binfo.welcomeName":"Ch\xe0o mừng, {name}","binfo.getStartedSubtitle":"Sẵn s\xe0ng bắt đầu đơn đăng k\xfd khoản vay của bạn? Bạn c\xf3 thể bắt đầu ngay b\xe2y giờ hoặc quay lại bất cứ khi n\xe0o bạn sẵn s\xe0ng.","binfo.recommended":"Được khuyến nghị","binfo.begin1003":"Bắt đầu đơn đăng k\xfd 1003","binfo.begin1003Desc":"Ho\xe0n tất đơn đăng k\xfd khoản vay từng bước. Lưu lại v\xe0 tiếp tục bất cứ l\xfac n\xe0o.","binfo.startApplication":"Bắt đầu đơn đăng k\xfd","binfo.skipForNow":"Bỏ qua hiện tại","binfo.skipForNowDesc":"Đưa t\xf4i đến bảng điều khiển. T\xf4i sẽ quay lại đơn đăng k\xfd sau.","binfo.skipToDashboard":"Bỏ qua đến bảng điều khiển","binfo.securePrivate":"An to\xe0n & ri\xeang tư","binfo.securePrivateDesc":"M\xe3 h\xf3a cấp ng\xe2n h\xe0ng giữ an to\xe0n cho dữ liệu c\xe1 nh\xe2n của bạn.","binfo.saveProgress":"Lưu tiến tr\xecnh của bạn","binfo.saveProgressDesc":"Bắt đầu ngay v\xe0 ho\xe0n tất sau. Ch\xfang t\xf4i tự động lưu c\xf4ng việc của bạn.","binfo.fastPreApproval":"Ph\xea duyệt sơ bộ nhanh","binfo.fastPreApprovalDesc":"Nhận quyết định trong v\xe0i ph\xfat, kh\xf4ng phải v\xe0i ng\xe0y.","binfo.invalidInviteTitle":"Li\xean kết mời kh\xf4ng hợp lệ","binfo.invalidInviteBody":"Li\xean kết giới thiệu bạn vừa truy cập kh\xf4ng hợp lệ hoặc đ\xe3 hết hạn. Bạn vẫn c\xf3 thể tạo t\xe0i khoản hoặc đăng nhập b\xean dưới.","binfo.createAccount":"Tạo t\xe0i khoản","binfo.heroLine1":"Khoản thế chấp của bạn, được giải th\xedch r\xf5.","binfo.heroLine2":"Hồ sơ của bạn, được kh\xf3a an to\xe0n.","binfo.startHeroSubtitle":"Hai ph\xfat để bắt đầu. Kh\xf4ng cần t\xe0i khoản trước, kh\xf4ng kiểm tra t\xedn dụng, v\xe0 kh\xf4ng cần SSN hay giấy tờ thu nhập cho đến khi bạn chọn lưu.","binfo.startMyApplication":"Bắt đầu đơn đăng k\xfd của t\xf4i","binfo.noCreditPull":"Kh\xf4ng tra cứu t\xedn dụng \xb7 Kh\xf4ng r\xe0ng buộc \xb7 ~2 ph\xfat","binfo.inviteBadge":"{name} \xb7 {brokerage} đ\xe3 mời bạn","binfo.phishingLine":"Trang n\xe0y được {firstName} tạo ri\xeang cho bạn. Nếu bạn kh\xf4ng mong đợi điều n\xe0y, đừng tiếp tục.","binfo.threeWaysToBegin":"Ba c\xe1ch để bắt đầu","binfo.pickThePath":"Chọn con đường ph\xf9 hợp với bạn.","binfo.pathStartTitle":"Bắt đầu đơn đăng k\xfd","binfo.pathStartBody":"Bắt đầu ngay. Th\xf4ng tin t\xe0i sản v\xe0 li\xean hệ trước, sau đ\xf3 ho\xe0n tất phần c\xf2n lại sau khi đăng k\xfd.","binfo.startNow":"Bắt đầu ngay","binfo.pathSetupEyebrow":"Thiết lập trước","binfo.pathSetupTitle":"Tạo t\xe0i khoản trước","binfo.pathSetupBody":"Thiết lập t\xe0i khoản, xem hướng dẫn, rồi bắt đầu từ bảng điều khiển của bạn.","binfo.pathReturningEyebrow":"Quay lại","binfo.pathReturningBody":"Đ\xe3 c\xf3 t\xe0i khoản? Tiếp tục ngay từ nơi bạn đ\xe3 dừng lại.","binfo.howItWorks":"C\xe1ch hoạt động","binfo.hereToKeys":"Từ đ\xe2y đến nhận ch\xeca kh\xf3a, trong 3 bước.","binfo.step1Title":"Cho ch\xfang t\xf4i biết về t\xe0i sản","binfo.step1Body":"T\xean, li\xean hệ, v\xe0 bạn đang t\xe0i trợ cho g\xec. ~2 ph\xfat.","binfo.step2Title":"Tạo t\xe0i khoản của bạn","binfo.step2Body":"Lưu tiến tr\xecnh. Sau đ\xf3 l\xe0 phiếu lương, tờ khai thuế, sao k\xea ng\xe2n h\xe0ng.","binfo.step3Title":"Theo d\xf5i khoản vay của bạn tiến triển","binfo.step3Body":"Trạng th\xe1i thẩm định, quyền sở hữu, b\xean cho vay theo thời gian thực k\xe8m thời gian dự kiến (ETA).","binfo.builtOnInfrastru

1cture":"X\xe2y dá»±ng tr\xean hạ tầng vững chắc","binfo.footerLegal":"{company} l\xe0 một dịch vụ của California Mortgage Solutions, Inc. Được cấp ph\xe9p NMLS tại CA. CÆ¡ hội Nh\xe0 ở B\xecnh đẳng (Equal Housing Opportunity).","binfo.footerPrivacy":"Quyền ri\xeang tÆ°","binfo.footerTerms":"Điều khoản","binfo.previewLoanStatus":"Trạng th\xe1i khoản vay","binfo.previewOnTrack":"Đ\xfang tiến độ","binfo.previewUnderwriting":"Thẩm định","binfo.previewEtaFriday":"60% — ETA Thứ S\xe1u","binfo.previewChecklistBank":"Sao k\xea ng\xe2n h\xe0ng 2 th\xe1ng","binfo.previewChecklistW2":"W-2 gần nhất","binfo.previewChecklistPaystub":"Phiếu lÆ°Æ¡ng gần nhất","binfo.stepN":"Bước {n}","binfo.vaultHeadline":"Được x\xe2y nhÆ° một kho bạc. Chỉ người c\xf3 giấy ph\xe9p mới mở được.","binfo.trustGroupIdentity":"Danh t\xednh","binfo.trustGroupEncryption":"M\xe3 h\xf3a v\xe0 c\xe1ch ly","binfo.trustGroupDocuments":"T\xe0i liệu","binfo.trustGroupCompliance":"Tu\xe2n thủ t\xedch hợp sẵn","binfo.trustGroupReliability":"Độ tin cậy","binfo.trustGroupAi":"AI do con người phụ tr\xe1ch","binfo.trustItemTwoStep":"Đăng nhập hai bước cho mọi t\xe0i khoản, lu\xf4n bật.","binfo.trustItemPasskeys":"Đăng nhập bằng kh\xf3a truy cập v\xe0 ứng dụng x\xe1c thá»±c.","binfo.trustItemNewDevice":"Ph\xe1t hiện thiết bị mới với cảnh b\xe1o tức th\xec.","binfo.trustItemTls":"TLS 1.3 tr\xean to\xe0n nền tảng, với bảo mật truyền tải nghi\xeam ngặt được tải sẵn trong tr\xecnh duyệt.","binfo.trustItemAes":"M\xe3 h\xf3a AES-256-GCM cho th\xf4ng tin x\xe1c thá»±c được lÆ°u trữ.","binfo.trustItemIsolation":"C\xe1ch ly ho\xe0n to\xe0n giữa c\xe1c c\xf4ng ty m\xf4i giới. Dữ liệu của một c\xf4ng ty kh\xf4ng bao giờ c\xf3 thể bị c\xf4ng ty kh\xe1c truy vấn.","binfo.trustItemAuditTrail":"Nhật k\xfd kiểm tra đầy đủ: mọi lượt xem, tải xuống v\xe0 k\xfd đều được ghi thời gian v\xe0 người thá»±c hiện.","binfo.trustItemSignatures":"Chữ k\xfd được ghi lại k\xe8m bằng chứng về thiết bị v\xe0 địa chỉ.","binfo.trustItemCreditMemory":"Dữ liệu t\xedn dụng chỉ được xá»­ l\xfd trong bộ nhớ, kh\xf4ng bao giờ ghi v\xe0o lÆ°u trữ.","binfo.trustItemFingerprint":"LÆ°u trữ theo dấu v\xe2n nội dung: mỗi tệp chỉ tồn tại một lần v\xe0 kh\xf4ng thể bị \xe2m thầm thay thế.","binfo.trustItemDisclosureTiming":"Thời hạn c\xf4ng bố được thá»±c thi tá»± động, c\xf3 theo d\xf5i ng\xe0y nhận.","binfo.trustItemMismo":"Dữ liệu khoản vay theo chuẩn ng\xe0nh, được kiểm tra theo lược đồ ch\xednh thức trước khi gá»­i đi.","binfo.trustItemSanctions":"S\xe0ng lọc danh s\xe1ch trừng phạt trước mọi lần nộp hoặc xuất dữ liệu.","binfo.trustItemSafeguards":"ChÆ°Æ¡ng tr\xecnh bảo vệ li\xean bang bằng văn bản v\xe0 một nh\xe0 m\xf4i giới c\xf3 giấy ph\xe9p cho mỗi khoản vay.","binfo.trustItemOffline":"Hoạt động ngoại tuyến. Hồ sÆ¡ được lÆ°u tr\xean thiết bị của bạn v\xe0 đồng bộ khi bạn c\xf3 mạng trở lại.","binfo.trustItemLanguages":"S\xe1u ng\xf4n ngữ.","binfo.trustItemLiveStatus":"Trạng th\xe1i trá»±c tiếp từ c\xe1c đối t\xe1c thẩm định, quyền sở hữu v\xe0 b\xean cho vay.","binfo.trustItemPiiRedacted":"Th\xf4ng tin định danh c\xe1 nh\xe2n được x\xf3a trước khi bất kỳ t\xe0i liệu n\xe0o đến m\xf4 h\xecnh AI.","binfo.trustItemPeopleDecide":"AI đọc v\xe0 sắp xếp; người c\xf3 giấy ph\xe9p đưa ra mọi quyết định.","binfo.trustItemKillSwitch":"Một c\xf4ng tắc duy nhất tắt AI đ\xe1m m\xe2y tr\xean to\xe0n nền tảng.","binfo.trustReadMore":"Đọc chi tiết bảo mật đầy đủ.","binfo.whoHeading":"Bạn đang l\xe0m việc với ai","binfo.whoPersonEyebrow":"Người li\xean hệ của bạn","binfo.whoBrokerageEyebrow":"C\xf4ng ty m\xf4i giới của bạn","binfo.whoLicensedIn":"C\xf3 giấy ph\xe9p tại {states}","binfo.licenseNmls":"NMLS #{id}","binfo.licenseDre":"DRE {state} #{id}","binfo.returningEmailPlaceholder":"Địa chỉ email","binfo.continue":"Tiếp tục","binfo.miniStreet":"Địa chỉ đường phố","binfo.miniUploadHint":"Thả tệp v\xe0o đ\xe2y hoặc chạm để tải l\xean","security.eyebrow":"Bảo mật","security.intro":"C\xe1ch Unified Loan System bảo vệ hồ sÆ¡ của người vay, n\xf3i r\xf5 r\xe0ng v\xe0 đầy đủ. Mọi điều tr\xean trang n\xe0y đều được đối chiếu với nền tảng đang vận h\xe0nh trước khi viết ra; điều g\xec kh\xf4ng kiểm chứng được sẽ bị lược bỏ thay v\xec n\xf3i giảm nhẹ.","security.diagramTitle":"Th\xf4ng tin cá»

1§a bạn đi đ\xe2u","security.diagramBorrower":"Bạn","security.diagramTransit":"M\xe3 h\xf3a khi truyền","security.diagramFile":"Hồ sÆ¡ c\xe1ch ly của c\xf4ng ty m\xf4i giới của bạn","security.diagramLogged":"Mọi lượt truy cập đều được ghi lại","security.specTitle":"Th\xf4ng số đầy đủ","security.vendorSentence":"C\xe1c đối t\xe1c lÆ°u trữ v\xe0 dữ liệu của ch\xfang t\xf4i c\xf3 b\xe1o c\xe1o SOC 2 Type II. Bản th\xe2n Unified Loan System chÆ°a ho\xe0n th\xe0nh kiểm to\xe1n SOC 2.","security.omittedNote":"Điều g\xec ch\xfang t\xf4i kh\xf4ng thể kiểm chứng sẽ kh\xf4ng xuất hiện tr\xean trang n\xe0y, v\xe0 kh\xf4ng bao giờ được viết lại để giữ lại.","binfo.uwSubmittedEyebrow":"Đ\xe3 gá»­i","binfo.uwSubmittedTitle":"Hồ sÆ¡ của bạn đ\xe3 được gá»­i","binfo.uwSubmittedBody":"Nh\xe2n vi\xean t\xedn dụng của bạn đang xem x\xe9t hồ sÆ¡ v\xe0 sẽ gá»­i đến b\xean cho vay của bạn. Ch\xfang t\xf4i sẽ b\xe1o cho bạn ngay khi c\xf3 cập nhật.","binfo.uwReviewEyebrow":"Đang xem x\xe9t","binfo.uwReviewTitle":"Hồ sÆ¡ của bạn đang được xem x\xe9t","binfo.uwReviewBody":"Nh\xe2n vi\xean t\xedn dụng của bạn đang chuẩn bị hồ sÆ¡ cho b\xean cho vay của bạn. Ch\xfang t\xf4i sẽ th\xf4ng b\xe1o cho bạn ngay khi c\xf3 cập nhật.","binfo.uwSeniorEyebrow":"Chuy\xean vi\xean thẩm định cấp cao","binfo.uwUnderwriterEyebrow":"Chuy\xean vi\xean thẩm định xem x\xe9t","binfo.uwSeniorTitle":"Chuy\xean vi\xean thẩm định cấp cao xem x\xe9t","binfo.uwUnderwriterTitle":"Đơn đăng k\xfd đang được xem x\xe9t","binfo.uwSeniorBody":"Xem x\xe9t cuối c\xf9ng c\xe1c điều kiện đ\xe3 được giải quyết của bạn. Ch\xfang t\xf4i sẽ b\xe1o cho bạn ngay khi họ ph\xea duyệt — thường trong v\xf2ng 1–2 ng\xe0y l\xe0m việc.","binfo.uwUnderwriterBody":"Một chuy\xean vi\xean thẩm định l\xe0 người thật đang xem x\xe9t hồ sÆ¡ của bạn. Ch\xfang t\xf4i sẽ th\xf4ng b\xe1o cho bạn ngay khi c\xf3 điều kiện mới hoặc hồ sÆ¡ được duyệt.","binfo.uwClearEyebrow":"Sẵn s\xe0ng ho\xe0n tất","binfo.uwClearTitle":"Bạn đ\xe3 sẵn s\xe0ng để ho\xe0n tất!","binfo.uwClearBody":"Ch\xfac mừng — mọi điều kiện đ\xe3 được ph\xea duyệt. Nh\xe2n vi\xean t\xedn dụng của bạn sẽ li\xean hệ với bạn về hậu cần ho\xe0n tất trong v\xf2ng 24 giờ.","binfo.actionRequired":"Cần thá»±c hiện","binfo.conditionToClearOne":"{count} điều kiện cần giải quyết","binfo.conditionsToClear":"{count} điều kiện cần giải quyết","binfo.uwConditionsBody":"Chuy\xean vi\xean thẩm định ph\xe1t hiện một v\xe0i mục cần t\xe0i liệu bổ sung. H\xe3y tải l\xean từng t\xe0i liệu được y\xeau cầu b\xean dưới — khoản vay của bạn tiếp tục tiến triển ngay khi mọi thứ được giải quyết.","binfo.fromUnderwriter":"Từ chuy\xean vi\xean thẩm định","binfo.newRequirements":"Y\xeau cầu mới","binfo.initialAusFindings":"Kết quả AUS ban đầu","binfo.fromAutomatedUnderwriter":"Từ hệ thống thẩm định tá»± động","binfo.readyToResubmit":"Sẵn s\xe0ng gá»­i lại","binfo.almostThere":"Gần xong rồi","binfo.allConditionsSatisfied":"Tất cả điều kiện đ\xe3 được đ\xe1p ứng","binfo.conditionRemainingOne":"C\xf2n {count} điều kiện","binfo.conditionsRemaining":"C\xf2n {count} điều kiện","binfo.resubmitReadyBody":"Gá»­i hồ sÆ¡ trở lại cho chuy\xean vi\xean thẩm định để ph\xea duyệt cuối c\xf9ng. Họ thường duyệt trong v\xf2ng 1–2 ng\xe0y l\xe0m việc.","binfo.resubmitPendingBody":"Tải l\xean c\xe1c mục c\xf2n lại ở tr\xean. N\xfat sẽ tá»± động mở kh\xf3a khi mọi thứ được đ\xe1p ứng.","binfo.submitUpdatesForReview":"Gá»­i cập nhật để xem x\xe9t","binfo.onFile":"Đ\xe3 lÆ°u hồ sÆ¡","binfo.documentSubmittedOne":"{count} t\xe0i liệu đ\xe3 gá»­i","binfo.documentsSubmitted":"{count} t\xe0i liệu đ\xe3 gá»­i","binfo.fileCountOne":"{count} tệp","binfo.fileCount":"{count} tệp","binfo.verified":"Đ\xe3 x\xe1c minh","binfo.underReview":"Đang xem x\xe9t","binfo.satisfied":"Đ\xe3 đ\xe1p ứng","binfo.typeOrDictate":"Nhập hoặc đọc lời giải th\xedch của bạn b\xean dưới","binfo.explanationSubmitted":"Đ\xe3 gá»­i lời giải th\xedch","binfo.explainPlaceholder":"Giải th\xedch t\xecnh huống cho nh\xe2n vi\xean t\xedn dụng của bạn…","binfo.listening":"Đang lắng nghe…","binfo.submitExplanation":"Gá»­i lời giải th\xedch","binfo.uploadToSatisfy":"Tải l\xean để đ\xe1p ứng điều kiện n\xe0y","binfo.analyzingApplication":"Đang ph\xe2n t\xedch đơn đăng k\xfd của bạn…","binfo.aiUnderwriterReviewing":"Hệ thống thẩm định AI của ch\xfang t\xf4i đang xem x\xe9t t\xe0i liệu của bạn.","binfo.underwriting

1Cleared":"Thẩm định đ\xe3 được duyệt","binfo.approvedLoanOptions":"C\xe1c lá»±a chọn khoản vay đ\xe3 được duyệt của bạn","binfo.loanOptionsSubtitle":"Dá»±a tr\xean thu nhập, c\xe1c khoản nợ v\xe0 t\xedn dụng của bạn, đ\xe2y l\xe0 mọi chÆ°Æ¡ng tr\xecnh bạn đủ điều kiện. Điều chỉnh thanh trượt khoản trả trước b\xean dưới — mỗi \xf4 được định gi\xe1 lại theo thời gian thá»±c.","binfo.metricMonthlyIncome":"Thu nhập hằng th\xe1ng","binfo.metricMonthlyDebts":"Khoản nợ hằng th\xe1ng","binfo.metricDtiRatio":"Tá»· lệ DTI","binfo.metricAboveConvCap":"Tr\xean mức trần th\xf4ng thường","binfo.metricWithinConvLimits":"Trong giới hạn th\xf4ng thường","binfo.metricLtvRatio":"Tá»· lệ LTV","binfo.metricPmiApplies":"Thường \xe1p dụng PMI","binfo.metricBelowPmiThreshold":"Dưới ngưỡng PMI","binfo.downPayment":"Khoản trả trước","binfo.adjustLiveRepricing":"Điều chỉnh để xem định gi\xe1 lại theo thời gian thá»±c","binfo.sliderMinFha":"3% (tối thiểu FHA)","binfo.sliderNoPmi":"20% (kh\xf4ng PMI)","binfo.eligiblePrograms":"{count} chÆ°Æ¡ng tr\xecnh đủ điều kiện","binfo.bestMatch":"Ph\xf9 hợp nhất","binfo.programLabel":"ChÆ°Æ¡ng tr\xecnh","binfo.rateLabel":"L\xe3i suất","binfo.thirtyYrFixed":"Cố định 30 năm","binfo.programTerm":"Kỳ hạn","binfo.thirtyYears":"30 năm","binfo.estMonthlyPi":"P&I hằng th\xe1ng ước t\xednh","binfo.providedAtLock":"Cung cấp khi kh\xf3a l\xe3i suất","binfo.selectThisLoan":"Chọn khoản vay n\xe0y","binfo.lowestPayment":"Khoản thanh to\xe1n thấp nhất cho t\xecnh huống của bạn","binfo.wantSecondOpinion":"Bạn muốn c\xf3 \xfd kiến thứ hai?","binfo.notSureWhichToPick":"Kh\xf4ng chắc n\xean chọn c\xe1i n\xe0o?","binfo.loTradeoffsBody":"Nh\xe2n vi\xean t\xedn dụng của bạn c\xf3 thể hướng dẫn bạn về những đ\xe1nh đổi trong 5 ph\xfat — khoản thanh to\xe1n so với tiền mặt cần để ho\xe0n tất, l\xe3i suất cố định so với ARM, khi n\xe0o trả điểm (points) thá»±c sá»± c\xf3 lợi.","brate.noApplicationTitle":"ChÆ°a c\xf3 đơn đăng k\xfd","brate.noApplicationBody":"Bắt đầu đơn đăng k\xfd của bạn từ bảng điều khiển. Khi đ\xe3 tiến h\xe0nh, nh\xe2n vi\xean t\xedn dụng c\xf3 thể hướng dẫn bạn về l\xe3i suất v\xe0 c\xe1c lá»±a chọn.","brate.rateSheetTitle":"L\xe3i suất b\xe1n bu\xf4n trá»±c tiếp","brate.rateSheetSubtitle":"Mức gi\xe1 tốt nhất hiện c\xf3 tr\xean to\xe0n mạng lưới b\xean cho vay của ch\xfang t\xf4i. L\xe3i suất c\xe1 nh\xe2n h\xf3a của bạn phụ thuộc v\xe0o t\xedn dụng, LTV, t\xecnh trạng cÆ° tr\xfa v\xe0 chÆ°Æ¡ng tr\xecnh — h\xe3y bắt đầu đơn đăng k\xfd để c\xf3 b\xe1o gi\xe1 thá»±c tế.","brate.rateSheetTableTag":"L\xe3i suất tốt nhất theo chÆ°Æ¡ng tr\xecnh","brate.asOfUpdated":"Đ\xe3 cập nhật","brate.marketAverageTitle":"L\xe3i suất thế chấp trung b\xecnh to\xe0n quốc","brate.marketAverageSubtitle":"Khảo s\xe1t Thị trường Thế chấp SÆ¡ cấp h\xe0ng tuần của Freddie Mac — mức trung b\xecnh to\xe0n quốc m\xe0 một người vay điển h\xecnh thấy, kh\xf4ng phải b\xe1o gi\xe1 c\xe1 nh\xe2n h\xf3a. Ch\xfang t\xf4i định gi\xe1 theo t\xecnh huống thá»±c tế của bạn ngay khi bạn đăng k\xfd.","brate.marketAverageTableTag":"Trung b\xecnh to\xe0n quốc \xb7 Freddie Mac PMMS","brate.asOfWeekOf":"Tuần của","brate.defaultTitle":"L\xe3i suất thế chấp h\xf4m nay","brate.defaultSubtitle":"Gi\xe1 trá»±c tiếp được c\xf4ng bố tại đ\xe2y khi mạng lưới b\xean cho vay của ch\xfang t\xf4i cập nhật. Trong thời gian chờ, h\xe3y nhận b\xe1o gi\xe1 c\xe1 nh\xe2n h\xf3a trong v\xe0i ph\xfat — kh\xf4ng cần kiểm tra t\xedn dụng để bắt đầu.","brate.eyebrowMortgageRates":"L\xe3i suất thế chấp","brate.personalizedHeading":"L\xe3i suất của bạn được c\xe1 nh\xe2n h\xf3a","brate.personalizedBody":"Kh\xf4ng c\xf3 một “l\xe3i suất h\xf4m nay” duy nhất. L\xe3i suất của bạn phụ thuộc v\xe0o t\xedn dụng, số tiền vay, khoản trả trước, bất động sản v\xe0 chÆ°Æ¡ng tr\xecnh. H\xe3y bắt đầu đơn đăng k\xfd v\xe0 nh\xe2n vi\xean t\xedn dụng sẽ định gi\xe1 theo t\xecnh huống thá»±c tế của bạn — kh\xf4ng cần kiểm tra t\xedn dụng để bắt đầu.","brate.ctaPersonalizedQuote":"Nhận b\xe1o gi\xe1 c\xe1 nh\xe2n h\xf3a của bạn","brate.ctaTalkToLoanOfficer":"Trao đổi với nh\xe2n vi\xean t\xedn dụng","brate.rateActionsLabel":"Thao t\xe1c l\xe3i suất","brate.alertsEyebrow":"Theo d\xf5i thị trường","brate.alertsTitle":"Cảnh b\xe1o l\xe3i suất","brate.alertsBodyOff":"H\xe3y cho ch\xfang t\xf4i biết mục ti\xeau của bạn v\xe0 ch\xfang t\xf4i sẽ gá»­i email khi đ\xe1ng để trao đổi. Kh\xf4ng g\xe2y phiền — chỉ những th\xf4ng b\xe1o hữu \xedch.","brate.alertsBodyOn":"H\xe3y cho ch\xfang t\xf4i biết l\xe3i suất mục ti\xeau của bạn v\xe0 ch\xfang t\xf4i sẽ gá»­i email ngay khi bất kỳ chÆ°Æ¡ng tr\xecnh n\xe0o giảm xuống dưới mức đ\xf3. Kh\xf4ng g\xe2y phiền — chỉ những th\xf4ng b\xe1o hữu \xedch.","brate.alertsCta":"Thiết lập cảnh b\xe1o","brate.lockEyebrowOff":"Bảo vệ l\xe3i suất của bạn","brate.lockEyebrowOn":"Bảo vệ l\xe3i suất h\xf4m nay","brate.lockTitle":"Kh\xf3a l\xe3i suất","brate.lockBodyOff":"Sau khi được định gi\xe1, nh\xe2n vi\xean t\xedn dụng c\xf3 thể kh\xf3a l\xe3i suất của bạn trong khi hồ sÆ¡ ho\xe0n tất.","brate.lockBodyOn":"Th\xedch má

1»©c bạn thấy? Nh\xe2n vi\xean t\xedn dụng c\xf3 thể kh\xf3a l\xe3i suất tối đa 60 ng\xe0y trong khi hồ sÆ¡ ho\xe0n tất.","brate.lockCta":"Y\xeau cầu kh\xf3a l\xe3i suất","brate.adviceEyebrow":"Trao đổi với một con người","brate.adviceTitle":"TÆ° vấn chuy\xean gia","brate.adviceBody":"Kh\xf4ng chắc chÆ°Æ¡ng tr\xecnh n\xe0o ph\xf9 hợp — VA, FHA, th\xf4ng thường, ARM? H\xe3y nhắn tin cho nh\xe2n vi\xean t\xedn dụng v\xe0 nhận c\xe2u trả lời thá»±c sá»±.","brate.adviceCta":"Nhắn tin cho nh\xe2n vi\xean t\xedn dụng","brate.whyNoSingleRateTitle":"V\xec sao ch\xfang t\xf4i kh\xf4ng đăng một mức l\xe3i suất duy nhất","brate.whyNoSingleRateBody":"Một mức l\xe3i suất m\xe0 bạn kh\xf4ng thể thá»±c sá»± sá»­ dụng th\xec kh\xf4ng hữu \xedch. L\xe3i suất thá»±c tế của bạn thay đổi theo t\xedn dụng, LTV, t\xecnh trạng cÆ° tr\xfa, loại bất động sản, lá»±a chọn escrow v\xe0 giao dịch thị trường thứ cấp nền tảng của chÆ°Æ¡ng tr\xecnh. Khi bạn bắt đầu đơn đăng k\xfd, ch\xfang t\xf4i định gi\xe1 theo t\xecnh huống thá»±c tế của bạn v\xe0 nh\xe2n vi\xean t\xedn dụng sẽ c\xf9ng bạn xá»­ l\xfd l\xe3i suất.","brate.close":"Đ\xf3ng","brate.finishApplicationTitle":"Ho\xe0n tất đơn đăng k\xfd của bạn trước","brate.finishApplicationBodyOff":"Để định gi\xe1 l\xe3i suất c\xe1 nh\xe2n h\xf3a của bạn, ch\xfang t\xf4i cần một v\xe0i th\xf4ng tin từ đơn vay (mẫu 1003). Chỉ mất v\xe0i ph\xfat — bạn c\xf3 thể lÆ°u v\xe0 tiếp tục bất cứ l\xfac n\xe0o.","brate.finishApplicationBodyOn":"Để hiển thị l\xe3i suất c\xe1 nh\xe2n h\xf3a của bạn, ch\xfang t\xf4i cần một v\xe0i th\xf4ng tin từ đơn vay (mẫu 1003). Chỉ mất v\xe0i ph\xfat — bạn c\xf3 thể lÆ°u v\xe0 tiếp tục bất cứ l\xfac n\xe0o.","brate.startApplication":"Bắt đầu đơn đăng k\xfd","brate.eyebrowTodaysRates":"L\xe3i suất h\xf4m nay","brate.fetchingPricing":"Đang lấy mức gi\xe1 mới nhất…","brate.livePricing":"Gi\xe1 trá»±c tiếp","brate.ctaCustomRate":"Nhận l\xe3i suất ri\xeang của bạn","brate.loadingRates":"Đang tải l\xe3i suất…","brate.todaysRateSheet":"Bảng l\xe3i suất h\xf4m nay","brate.ratesHeading":"L\xe3i suất","brate.asOf":"T\xednh đến {date}","brate.tableCaption":"Bảng l\xe3i suất thế chấp trá»±c tiếp","brate.colLoanProgram":"ChÆ°Æ¡ng tr\xecnh vay","brate.colRate":"L\xe3i suất","brate.colPoints":"Điểm","brate.colEstPayment":"Khoản thanh to\xe1n ước t\xednh*","brate.colActions":"Thao t\xe1c","brate.mobileListLabel":"C\xe1c chÆ°Æ¡ng tr\xecnh l\xe3i suất thế chấp","brate.statPmtPerMo":"Thanh to\xe1n/th\xe1ng","brate.apply":"Đăng k\xfd","brate.estPaymentFootnote":"* Tiền gốc v\xe0 l\xe3i h\xe0ng th\xe1ng ước t\xednh cho khoản vay {amount} ở mức l\xe3i suất hiển thị. Kh\xf4ng bao gồm thuế, bảo hiểm v\xe0 PMI. L\xe3i suất thá»±c tế của bạn phụ thuộc v\xe0o t\xedn dụng, LTV, t\xecnh trạng cÆ° tr\xfa v\xe0 điều kiện chÆ°Æ¡ng tr\xecnh.","brate.whyDiffersTitle":"V\xec sao l\xe3i suất của bạn c\xf3 thể kh\xe1c bảng","brate.whyDiffersBody":"C\xe1c con số tr\xean l\xe0 tham chiếu thị trường, kh\xf4ng phải b\xe1o gi\xe1 c\xe1 nh\xe2n h\xf3a. L\xe3i suất của bạn thay đổi theo t\xedn dụng, LTV, t\xecnh trạng cÆ° tr\xfa, loại bất động sản, lá»±a chọn escrow v\xe0 giao dịch thị trường thứ cấp nền tảng của chÆ°Æ¡ng tr\xecnh. Khi bạn bắt đầu đơn đăng k\xfd, ch\xfang t\xf4i định gi\xe1 lại theo t\xecnh huống thá»±c tế của bạn.","brate.loadingTodaysRates":"Đang tải l\xe3i suất h\xf4m nay…","brate.emptyTitle":"Gi\xe1 trá»±c tiếp đang được cập nhật","brate.emptyBody":"L\xe3i suất h\xf4m nay được c\xf4ng bố tại đ\xe2y khi mạng lưới b\xean cho vay của ch\xfang t\xf4i cập nhật. Trong thời gian chờ, h\xe3y nhận l\xe3i suất ph\xf9 hợp với t\xecnh huống của bạn — chỉ mất v\xe0i ph\xfat v\xe0 kh\xf4ng cần kiểm tra t\xedn dụng để bắt đầu.","brate.emptyCta":"Nhận b\xe1o gi\xe1 c\xe1 nh\xe2n h\xf3a","bchat.suggestBorrowerAfterSubmit":"Điều g\xec xảy ra sau khi t\xf4i gá»­i đơn đăng k\xfd?","bchat.suggestBorrowerUnderwritingTime":"Qu\xe1 tr\xecnh thẩm định (underwriting) thường mất bao l\xe2u?","bchat.suggestBorrowerClosingDocs":"T\xf4i sẽ cần nhữ

1ng t\xe0i liệu n\xe0o khi ho\xe0n tất?","bchat.suggestBorrowerRateDetermined":"L\xe3i suất của t\xf4i được x\xe1c định nhÆ° thế n\xe0o?","bchat.suggestBrokerLoansAtRisk":"Những khoản vay n\xe0o đang gặp rủi ro?","bchat.suggestBrokerNotContacted":"Ai chÆ°a được li\xean hệ trong một tuần?","bchat.suggestBrokerStatusUpdate":"Soạn bản cập nhật trạng th\xe1i cho hồ sÆ¡ cÅ© nhất của t\xf4i","bchat.suggestBrokerPipelineSummary":"T\xf3m tắt pipeline của t\xf4i theo từng giai đoạn","bchat.welcomeBroker":"H\xe3y hỏi t\xf4i về pipeline của bạn.","bchat.heroTitleBroker":"Xin ch\xe0o, t\xf4i l\xe0 Breeze. T\xf4i c\xf3 thể gi\xfap g\xec cho pipeline của bạn?","bchat.welcomeBorrower":"H\xe3y hỏi t\xf4i về đơn đăng k\xfd của bạn.","bchat.heroTitleBorrower":"Xin ch\xe0o, t\xf4i l\xe0 Breeze. T\xf4i c\xf3 thể gi\xfap g\xec cho đơn đăng k\xfd của bạn?","bchat.prettyApplication":"đơn đăng k\xfd của bạn","bchat.prettyLoans":"c\xe1c khoản vay của bạn","bchat.prettyDocuments":"t\xe0i liệu của bạn","bchat.prettyDashboard":"bảng điều khiển của bạn","bchat.prettyHelpPage":"trang trợ gi\xfap","bchat.prettyAccount":"t\xe0i khoản của bạn","bchat.prettyPipeline":"pipeline của bạn","bchat.prettyPeopleList":"danh s\xe1ch li\xean hệ của bạn","bchat.prettyOutreach":"tiếp cận kh\xe1ch h\xe0ng","bchat.prettyAnalytics":"ph\xe2n t\xedch","bchat.prettySettings":"c\xe0i đặt","bchat.prettyAdmin":"quản trị","bchat.backTo":"Quay lại {name}","bchat.mortgageAi":"AI thế chấp","bchat.loadingYourChat":"Đang tải cuộc tr\xf2 chuyện của bạn…","bchat.brokerFooter":"Pipeline của bạn. Tiếng n\xf3i của bạn. Breeze của bạn — được tạo ra cho c\xe1c nh\xe0 m\xf4i giới ho\xe0n tất nhiều giao dịch hÆ¡n.","bchat.copied":"Đ\xe3 sao ch\xe9p {label}!","bchat.labelPhone":"Điện thoại","bchat.labelEmail":"Email","bchat.loanOfficer":"Nh\xe2n vi\xean t\xedn dụng","bchat.noteHeading":"LÆ°u \xfd","bchat.urgentNote":"Đối với c\xe1c vấn đề khẩn cấp li\xean quan đến việc hết hạn kh\xf3a l\xe3i suất, vui l\xf2ng gọi trá»±c tiếp đến đường d\xe2y văn ph\xf2ng.","bchat.prefillRateAlert":"Xin ch\xe0o — t\xf4i muốn thiết lập cảnh b\xe1o l\xe3i suất. L\xe3i suất mục ti\xeau của t\xf4i l\xe0 X.XX% cho [program]. Bạn c\xf3 thể b\xe1o cho t\xf4i ngay khi đạt mức đ\xf3 kh\xf4ng?","bchat.prefillRateLock":"Xin ch\xe0o — t\xf4i muốn kh\xf3a l\xe3i suất. Những chÆ°Æ¡ng tr\xecnh n\xe0o đang ph\xf9 hợp nhất với hồ sÆ¡ của t\xf4i hiện nay, v\xe0 c\xf3 những thời hạn kh\xf3a n\xe0o?","bchat.prefillAdvice":"Xin ch\xe0o — bạn c\xf3 thể hướng dẫn t\xf4i xem chÆ°Æ¡ng tr\xecnh vay n\xe0o ph\xf9 hợp nhất với t\xecnh huống của t\xf4i kh\xf4ng? T\xf4i đang c\xe2n nhắc FHA / VA / vay th\xf4ng thường / ARM v\xe0 rất muốn nghe \xfd kiến của bạn.","bchat.sentAttachment":"\uD83D\uDCC1 Đ\xe3 gá»­i tệp đ\xednh k\xe8m: {name}","bchat.fileSentSuccess":"Đ\xe3 gá»­i tệp th\xe0nh c\xf4ng!","bchat.transcriptCopied":"Đ\xe3 sao ch\xe9p bản ghi cuộc tr\xf2 chuyện v\xe0o bộ nhớ tạm","bchat.dateToday":"H\xf4m nay","bchat.dateYesterday":"H\xf4m qua","bchat.searchPlaceholder":"T\xecm kiếm tin nhắn...","bchat.refreshChat":"L\xe0m mới cuộc tr\xf2 chuyện","bchat.copyTranscript":"Sao ch\xe9p bản ghi","bchat.noMessagesMatching":'Kh\xf4ng t\xecm thấy tin nhắn n\xe0o khớp với "{query}"',"bchat.noMessagesYet":"ChÆ°a c\xf3 tin nhắn n\xe0o","bchat.emptyStartConversation":"Bắt đầu cuộc tr\xf2 chuyện với Nh\xe2n vi\xean t\xedn dụng của bạn để đặt c\xe2u hỏi hoặc nhận cập nhật.","bchat.attachFile":"Đ\xednh k\xe8m tệp","bchat.typeAMessage":"Nhập tin nhắn...","bchat.defaultBrokerName":"Nh\xe0 m\xf4i giới của t\xf4i","bchat.broker":"Nh\xe0 m\xf4i giới","bchat.yourBroker":"Nh\xe0 m\xf4i giới của bạn","bchat.online":"Trá»±c tuyến","bchat.typicalReplyTime":"Thời gian phản hồi thường: 1 giờ","bchat.startConversationBroker":"Bắt đầu cuộc tr\xf2 chuyện với nh\xe0 m\xf4i giới của bạn!","bmisc.eyebrowBorrower":"Người vay","bmisc.signIn":"Đăng nhập","bmisc.loading":"Đang tải…","bmisc.emailAddress":"Địa chỉ email","bmisc.emailPlaceholder":"[email protected]","bmisc.forgotTitle":"Đặt lại mật khẩu của bạn","bmisc.forgotSubtitle":"Nhập email của bạn v\xe0 ch\xfang t\xf4i sẽ gá»­i li\xean kết đặt lại. Li\xean kết hết hạn sau 1 giờ.","bmisc.forgotRememberedIt":"Đ\xe3 nhớ ra?","bmisc.forgotSentSuccess":"Nếu email đ\xf3 đ\xe3 được đăng k\xfd, một li\xean kết đặt lại đang được gá»­i đến. Vui l\xf2ng kiểm tra hộp thÆ° đến (v\xe0 thÆ° mục spam).","bmisc.forgotSendAnother":"Gá»­i lại lần nữa","bmisc.forgotSendResetLink":"Gá»­i li\xean kết đặt lại","bmisc.forgotErrorGeneric":"Đ\xe3 xảy ra lỗi. Vui l\xf2ng thá»­ lại.","bmisc.forgotErrorNetwork":"Kh\xf4ng thể gá»­i email đặt lại. Vui l\xf2ng kiểm tra kết nối v\xe0 thá»­ lại.","bmisc.resetInvalidTitle":"Li\xean kết kh\xf4ng hợp lệ","bmisc.resetInvalidSubtitle":"Li\xean kết đặt lại mật khẩu n\xe0y thiếu c\xe1c tham số bắt buộc.","bmisc.resetRequestNewLink":"Y\xeau cầu li\xean kết mới","bmisc.resetInvalidBody":"Li\xean kết n\xe0y c\xf3 vẻ bị hỏng hoặc kh\xf4ng đầy đủ. Vui l\xf2ng y\xeau cầu một li\xean kết đặt lại mới.","bmisc.resetPasswordsMismatch":"Mật khẩu kh\xf4ng khớp.","bmisc.resetCouldNotReset":"Kh\xf4ng thể đặt lại mật khẩu. Li\xean kết n\xe0y c\xf3 thể đ\xe3 hết hạn.","bmisc.resetNetworkError":"Đ\xe3 xảy ra lỗi. Vui l\xf2ng kiểm tra kết nối v\xe0 thá»­ lại.","bmisc.resetDoneTitle":"Đ\xe3 cập nhật mật khẩu","bmisc.resetChooseTitle":"Chọn mật khẩu mới","bmisc.resetDoneSubtitle":"Mật khẩu của bạn đ\xe3 được thay đổi. Tất cả c\xe1c phi\xean hiện c\xf3 đ\xe3 được đăng xuất.","bmisc.resetChooseSubt

1itle":"Chọn một mật khẩu mạnh — \xedt nhất 8 k\xfd tự.","bmisc.resetSignInNewPassword":"Đăng nhập bằng mật khẩu mới của bạn","bmisc.resetLinkExpired":"Li\xean kết đ\xe3 hết hạn?","bmisc.resetRequestNewOne":"Y\xeau cầu li\xean kết mới","bmisc.resetDoneAlert":"Đ\xe3 cập nhật mật khẩu th\xe0nh c\xf4ng. Đăng nhập b\xean dưới để quay lại khoản vay của bạn.","bmisc.resetNewPasswordLabel":"Mật khẩu mới","bmisc.resetNewPasswordPlaceholder":"\xcdt nhất 8 k\xfd tự","bmisc.resetConfirmLabel":"X\xe1c nhận mật khẩu","bmisc.resetConfirmPlaceholder":"Nhập lại mật khẩu","bmisc.resetUpdatePassword":"Cập nhật mật khẩu","bmisc.verifyEyebrow":"X\xe1c minh email","bmisc.verifyConfirming":"Đang x\xe1c nhận email của bạn…","bmisc.verifyTitleSuccess":"Bạn đ\xe3 được x\xe1c minh","bmisc.verifyTitleError":"Kh\xf4ng thể x\xe1c nhận email","bmisc.verifyIsConfirmed":"đ\xe3 được x\xe1c nhận.","bmisc.verifyMissingToken":"Li\xean kết n\xe0y thiếu token x\xe1c minh. Vui l\xf2ng y\xeau cầu một li\xean kết mới b\xean dưới.","bmisc.verifyConfirmedMsg":"Email của bạn đ\xe3 được x\xe1c nhận. Ch\xe0o mừng bạn.","bmisc.verifyCouldNotConfirm":"Ch\xfang t\xf4i kh\xf4ng thể x\xe1c nhận li\xean kết n\xe0y. Li\xean kết c\xf3 thể đ\xe3 hết hạn.","bmisc.verifyNetworkError":"Lỗi mạng khi x\xe1c minh. Vui l\xf2ng thử lại sau gi\xe2y l\xe1t.","bmisc.verifyEnterValidEmail":"Vui l\xf2ng nhập một email hợp lệ trước.","bmisc.verifyResendSent":"Đ\xe3 gửi. Vui l\xf2ng kiểm tra hộp thư đến (v\xe0 thư mục spam).","bmisc.verifyResendFailed":"Kh\xf4ng thể gửi lại v\xe0o l\xfac n\xe0y.","bmisc.verifySignedInAsBefore":"Bạn đang đăng nhập với tư c\xe1ch","bmisc.verifySignedInAsAfter":"— đăng xuất để sử dụng t\xe0i khoản bạn vừa x\xe1c minh.","bmisc.verifySignOutAndSwitch":"Đăng xuất v\xe0 chuyển đổi","bmisc.verifyStaySignedIn":"Vẫn đăng nhập với tư c\xe1ch {email}","bmisc.verifyContinueSignIn":"Tiếp tục đăng nhập","bmisc.verifyAutoRedirecting":"Tự động chuyển hướng sau {countdown} gi\xe2y…","bmisc.verifySendFreshLink":"Gửi li\xean kết mới","bmisc.verifySending":"Đang gửi…","bmisc.verifyResend":"Gửi lại","bmisc.verifySignInInstead":"Đăng nhập thay v\xec vậy","bmisc.verifyWrongEmailSignUp":"Sai email? Đăng k\xfd lại","bmisc.notifTitle":"Th\xf4ng b\xe1o","bmisc.notifOfflineCached":"Ngoại tuyến — đang hiển thị 20 th\xf4ng b\xe1o đ\xe3 lưu gần nhất của bạn.","bmisc.notifOfflineStale":"Bạn đang ngoại tuyến — th\xf4ng b\xe1o c\xf3 thể kh\xf4ng phải l\xe0 mới nhất.","bmisc.notifUnreadSwipe":"{unread} chưa đọc — vuốt sang phải để đ\xe1nh dấu đ\xe3 đọc","bmisc.notifAllCaughtUp":"Đ\xe3 xem hết","bmisc.notifMarkAllRead":"Đ\xe1nh dấu tất cả đ\xe3 đọc","bmisc.notifFilter_all":"tất cả","bmisc.notifFilter_unread":"chưa đọc","bmisc.notifFilter_loan":"khoản vay","bmisc.notifFilter_document":"t\xe0i liệu","bmisc.notifFilter_compliance":"tu\xe2n thủ","bmisc.notifEmptyAll":"Chưa c\xf3 th\xf4ng b\xe1o n\xe0o.","bmisc.notifEmptyFiltered":"Kh\xf4ng c\xf3 th\xf4ng b\xe1o {filter}.","bmisc.notifToday":"H\xf4m nay","bmisc.notifYesterday":"H\xf4m qua","bmisc.coEyebrow":"Người đồng vay","bmisc.coInviteEyebrow":"Lời mời người đồng vay","bmisc.coLoadingTitle":"Đang tải lời mời…","bmisc.coInvalidLink":"Li\xean kết lời mời kh\xf4ng hợp lệ","bmisc.coAcceptFailed":"Kh\xf4ng thể chấp nhận lời mời","bmisc.coUnavailableTitle":"Lời mời kh\xf4ng khả dụng","bmisc.coUnavailableSubtitle":"Li\xean kết n\xe0y kh\xf4ng c\xf2n hợp lệ.","bmisc.coUnavailableBody":"H\xe3y nhờ người vay ch\xednh gửi một lời mời mới. Mỗi li\xean kết chỉ d\xf9ng được một lần v\xe0 c\xf3 hiệu lực trong 7 ng\xe0y.","bmisc.coReturnHome":"Quay về trang chủ","bmisc.coExpiredTitle":"Lời mời đ\xe3 hết hạn","bmisc.coExpiredBody":"Lời mời 

1n\xe0y đ\xe3 qu\xe1 thời hạn 7 ng\xe0y. H\xe3y nhờ {name} gá»­i một lời mời mới.","bmisc.coRevokedTitle":"Lời mời đ\xe3 bị thu hồi","bmisc.coRevokedBody":"Người vay ch\xednh đ\xe3 thu hồi lời mời n\xe0y. Nếu đ\xf3 l\xe0 nhầm lẫn, h\xe3y nhờ {name} gá»­i một lời mời mới.","bmisc.coAlreadyAcceptedTitle":"Đ\xe3 chấp nhận","bmisc.coAlreadyAcceptedBody":"Lời mời n\xe0y đ\xe3 được chấp nhận. Đăng nhập để tiếp tục đơn đăng k\xfd của bạn.","bmisc.coWrongAccountTitle":"Sai t\xe0i khoản","bmisc.coWrongAccountSubtitle":"Lời mời đ\xe3 được gá»­i đến một email kh\xe1c.","bmisc.coWrongAccountBefore":"Bạn đang đăng nhập với tÆ° c\xe1ch","bmisc.coWrongAccountMiddle":", nhÆ°ng lời mời n\xe0y được gá»­i đến","bmisc.coWrongAccountAfter":". H\xe3y đăng xuất v\xe0 đăng nhập bằng email được mời để chấp nhận.","bmisc.coSigningOut":"Đang đăng xuất…","bmisc.coSwitchAccounts":"Chuyển t\xe0i khoản","bmisc.coInviteTitle":"{name} đ\xe3 mời bạn tham gia đơn đăng k\xfd thế chấp của họ","bmisc.coSomeone":"Một người n\xe0o đ\xf3","bmisc.coInviteSubtitleBefore":"Bạn đ\xe3 được th\xeam v\xe0o với tÆ° c\xe1ch","bmisc.coInviteSubtitleAfter":"trong một đơn đăng k\xfd khoản vay. Nhấp b\xean dưới để tạo t\xe0i khoản hoặc đăng nhập.","bmisc.coDetailInvitedBy":"Được mời bởi","bmisc.coUnknown":"(kh\xf4ng x\xe1c định)","bmisc.coDetailYourRole":"Vai tr\xf2 của bạn","bmisc.coDetailSentTo":"Gá»­i đến","bmisc.coDetailExpiresIn":"Hết hạn sau","bmisc.coDayOne":"{n} ng\xe0y","bmisc.coDayMany":"{n} ng\xe0y","bmisc.coWhatNextTitle":"Điều g\xec xảy ra tiếp theo?","bmisc.coWhatNextBody":"Sau khi chấp nhận, bạn sẽ được đưa đến đơn đăng k\xfd khoản vay để điền phần của m\xecnh — thu nhập, việc l\xe0m, t\xe0i sản v\xe0 c\xe1c c\xe2u hỏi x\xe1c minh danh t\xednh giống nhÆ° {name} đ\xe3 trả lời. Ch\xfang t\xf4i kh\xf4ng bao giờ chia sẻ th\xf4ng tin cá»

1§a bạn với bất kỳ ai ngo\xe0i đơn đăng k\xfd khoản vay.","bmisc.coCreateAccount":"Tạo t\xe0i khoản của t\xf4i","bmisc.coHaveAccount":"T\xf4i đ\xe3 c\xf3 t\xe0i khoản","bmisc.coAccepting":"Đang chấp nhận…","bmisc.coAcceptInvitation":"Chấp nhận lời mời","bsharedA.autofilledFromLastLoan":"Tá»± động điền từ khoản vay trước của bạn","bsharedA.lastLoan":"Khoản vay trước","bsharedA.clearAutofilledValue":"X\xf3a gi\xe1 trị tá»± động điền cho {fieldKey}","bsharedA.aiLoanAdvisor":"Cố vấn Khoản vay AI","bsharedA.askAboutYourLoan":"Hỏi về khoản vay của bạn...","bsharedA.send":"Gá»­i","bsharedA.biometricDeleteError":"Kh\xf4ng thể x\xf3a dữ liệu sinh trắc học","bsharedA.biometricNoneOnFile":"Kh\xf4ng c\xf3 dữ liệu sinh trắc học trong hồ sÆ¡ — kh\xf4ng c\xf3 g\xec để x\xf3a.","bsharedA.biometricDeletedOne":"Đ\xe3 x\xf3a {count} bản ghi x\xe1c minh.","bsharedA.biometricDeletedMany":"Đ\xe3 x\xf3a {count} bản ghi x\xe1c minh.","bsharedA.deleteBiometricData":"X\xf3a dữ liệu sinh trắc học","bsharedA.biometricExplainer":"Unified Loan System thá»±c hiện x\xe1c minh danh t\xednh bằng đối chiếu khu\xf4n mặt để bảo vệ bạn khỏi gian lận chuyển tiền khi kết th\xfac giao dịch. Bạn c\xf3 thể y\xeau cầu x\xf3a ngay ảnh khu\xf4n mặt v\xe0 phần cắt khu\xf4n mặt đ\xe3 tr\xedch xuất bất cứ l\xfac n\xe0o. Si\xeau dữ liệu x\xe1c minh (điểm số tÆ°Æ¡ng đồng dạng số v\xe0 nhật k\xfd kiểm to\xe1n về thời điểm kiểm tra) được lÆ°u giữ để đ\xe1p ứng c\xe1c y\xeau cầu lÆ°u trữ hồ sÆ¡ thế chấp.","bsharedA.biometricConfirm":"Bạn c\xf3 chắc chắn kh\xf4ng? Thao t\xe1c n\xe0y kh\xf4ng thể ho\xe0n t\xe1c.","bsharedA.deleting":"Đang x\xf3a…","bsharedA.yesDelete":"C\xf3, x\xf3a","bsharedA.couldNotLoadConditions":"Kh\xf4ng thể tải c\xe1c điều kiện của bạn.","bsharedA.tryAgain":"Thá»­ lại","bsharedA.blockingYourLoan":"Đang cản trở khoản vay của bạn","bsharedA.seeAllConditions":"Xem tất cả c\xe1c điều kiện","bsharedA.brokeredBy":"Được m\xf4i giới bởi","bsharedA.backupCardRemoveConfirm":"X\xf3a thẻ thanh to\xe1n đ\xe3 lÆ°u? Nh\xe0 m\xf4i giới của bạn kh\xf4ng c\xf2n c\xf3 thể t\xednh ph\xed thẻ n\xe0y cho bất kỳ chi ph\xed b\xean thứ ba n\xe0o. Bạn c\xf3 thể lÆ°u thẻ mới sau nếu cần.","bsharedA.backupCardRemoveError":"Kh\xf4ng thể x\xf3a thẻ","bsharedA.backupCardRemovedTitle":"Đ\xe3 x\xf3a thẻ","bsharedA.backupCardRemovedMsg":"Thẻ thanh to\xe1n đ\xe3 lÆ°u đ\xe3 được x\xf3a.","bsharedA.paymentCardOnFile":"Thẻ thanh to\xe1n đ\xe3 lÆ°u","bsharedA.backupCardHeldDesc":"Được giữ l\xe0m dá»± ph\xf2ng. Sẽ kh\xf4ng bị t\xednh ph\xed trừ khi khoản vay của bạn kh\xf4ng ho\xe0n tất, v\xe0 chỉ đối với c\xe1c chi ph\xed thá»±c tế đ\xe3 trả thay cho bạn.","bsharedA.cardGeneric":"Thẻ","bsharedA.cardEnding":"{brand} kết th\xfac bằng {last4}","bsharedA.cardSavedAuthorized":"Đ\xe3 lÆ°u {date} \xb7 Được ủy quyền tối đa {amount}","bsharedA.backupCardNoAuth":"Nh\xe0 m\xf4i giới của bạn chÆ°a ghi nhận sá»± ủy quyền bằng văn bản hoặc ghi \xe2m của bạn. Cho đến khi điều đ\xf3 xảy ra, thẻ của bạn kh\xf4ng thể bị t\xednh ph\xed.","bsharedA.removing":"Đang x\xf3a…","bsharedA.removeCardOnFile":"X\xf3a thẻ đ\xe3 lÆ°u","bsharedA.backupCardRemoveNote":"Bạn c\xf3 thể x\xf3a thẻ n\xe0y bất cứ l\xfac n\xe0o. Nếu một khoản ph\xed đ\xe3 được khởi tạo, việc x\xf3a sẽ kh\xf4ng ho\xe0n lại khoản đ\xf3; h\xe3y li\xean hệ với nh\xe0 m\xf4i giới của bạn.","bsharedA.checkingDisclosureStatus":"Đang kiểm tra trạng th\xe1i c\xf4ng bố…","bsharedA.closingDisclosureReady":"Bản C\xf4ng bố Kết th\xfac đ\xe3 sẵn s\xe0ng","bsharedA.versionLabel":"Phi\xean bản {version}","bsharedA.issuedOn":"Ph\xe1t h\xe0nh {date}","bsharedA.reviewed":"Đ\xe3 xem x\xe9t","bsharedA.actionNeeded":"Cần h\xe0nh động: {title}","bsharedA.earliestLegalClosingDate":"Ng\xe0y kết th\xfac hợp ph\xe1p sớm nhất: {date}","bsharedA.daysFromTodayOne":"({days} ng\xe0y kể từ h\xf4m nay)","bsharedA.daysFromTodayMany":"({days} ng\xe0y kể từ h\xf4m nay)","bsharedA.threeBusinessDayNotice":". Luật li\xean bang y\xeau cầu 3 ng\xe0y l\xe0m việc giữa việc c\xf4ng bố v\xe0 k\xfd kết — h\xe3y d\xf9ng khoảng thời gian n\xe0y để xem x\xe9t t\xe0i liệu cẩn thận v\xe0 đặt c\xe2u hỏi trước khi kết th\xfac.","bsharedA.cashToClose":"Tiền mặt để kết th\xfac","bsharedA.whatYoullBringToClosing":"những g\xec bạn sẽ mang đến buổi kết th\xfac","bsharedA.reviewYourClosingDisclosure":"Xem x\xe9t Bản C\xf4ng bố Kết th\xfac của bạn","bsharedA.todayIsClosingDay":"H\xf4m nay l\xe0 ng\xe0y kết th\xfac","bsharedA.oneDayUntilClosing":"1 ng\xe0y nữa đến kết th\xfac","bsharedA.daysUntilClosing":"{days} ng\xe0y nữa đến kết th\xfac","bsharedA.closingPreparation":"Chuẩn bị kết th\xfac","bsharedA.closingPortal":"Cổng kết th\xfac","bsharedA.openClosingPortal":"Mở cổng kết th\xfac","bsharedA.skipTour":"Bỏ qua hướng dẫn","bsharedA.welcomeToVerispect":"Ch\xe0o mừng đến vá

1»›i Unified Loan System","bsharedA.tourHeadlineNamed":"Xin ch\xe0o {name} — h\xe3y c\xf9ng l\xe0m cho","bsharedA.tourHeadlineGeneric":"H\xe3y c\xf9ng l\xe0m cho","bsharedA.tourHeadlineHighlight":"khoản vay của bạn tiến triển.","bsharedA.tourSubtitle":"Hướng dẫn 60 gi\xe2y về bảng điều khiển, đơn đăng k\xfd v\xe0 trung t\xe2m t\xe0i liệu — để bạn biết ch\xednh x\xe1c mọi thứ ở đ\xe2u trước khi bắt đầu.","bsharedA.stat100Digital":"100% kỹ thuật số","bsharedA.statNoPaper":"Kh\xf4ng giấy tờ, kh\xf4ng fax","bsharedA.statBankGrade":"Bảo mật cấp ng\xe2n h\xe0ng","bsharedA.statGlba":"GLBA + 256-bit","bsharedA.statAvgClose":"Kết th\xfac trung b\xecnh ~30 ng\xe0y","bsharedA.statFromApplication":"T\xednh từ l\xfac đăng k\xfd","bsharedA.yourLoanEndToEnd":"Khoản vay của bạn, từ đầu đến cuối","bsharedA.stageApply":"Đăng k\xfd","bsharedA.stageVerify":"X\xe1c minh","bsharedA.stageUnderwrite":"Thẩm định","bsharedA.stageDisclose":"C\xf4ng bố","bsharedA.stageClose":"Kết th\xfac","bsharedA.inTheTourWellSpotlight":"Trong phần hướng dẫn, ch\xfang t\xf4i sẽ l\xe0m nổi bật","bsharedA.highlightDashboardLabel":"Bảng điều khiển của bạn","bsharedA.highlightDashboardDesc":"Bảng trạng th\xe1i + y\xeau cầu đang mở","bsharedA.highlightRatesLabel":"L\xe3i suất h\xf4m nay","bsharedA.highlightRatesDesc":"Bảng l\xe3i suất trá»±c tiếp + cảnh b\xe1o","bsharedA.highlightCalculatorsLabel":"C\xf4ng cụ t\xednh to\xe1n","bsharedA.highlightCalculatorsDesc":"Khoản thanh to\xe1n + khả năng chi trả","bsharedA.highlightAppDocsLabel":"Đơn đăng k\xfd + t\xe0i liệu","bsharedA.highlightAppDocsDesc":"Tr\xecnh hướng dẫn 1003 + tải l\xean","bsharedA.highlightLoanOptionsLabel":"T\xf9y chọn khoản vay","bsharedA.highlightLoanOptionsDesc":"C\xe1c chÆ°Æ¡ng tr\xecnh bạn đủ điều kiện","bsharedA.highlightSettingsLabel":"C\xe0i đặt t\xe0i khoản","bsharedA.highlightSettingsDesc":"Th\xf4ng b\xe1o + quyền ri\xeang tÆ°","bsharedA.exploreOnMyOwn":"T\xf4i sẽ tá»± kh\xe1m ph\xe1","bsharedA.watchVideoTour":"Xem hướng dẫn bằng video","bsharedA.loadingYourDashboard":"Đang tải bảng điều khiển của bạn…","bsharedA.stopAnytimeWith":"Dừng bất cứ l\xfac n\xe0o bằng","bsharedA.orClickingOutside":"hoặc bằng c\xe1ch nhấp ra ngo\xe0i v\xf9ng được l\xe0m nổi bật.","bsharedA.pricingSendError":"Kh\xf4ng thể gá»­i: {error}","bsharedA.pricingSendErrorFallback":"vui l\xf2ng thá»­ lại, hoặc gọi cho c\xe1n bộ t\xedn dụng của bạn","bsharedA.letsTalkAboutYourRate":"H\xe3y trao đổi về l\xe3i suất của bạn","bsharedA.pricingRateExplainer":"L\xe3i suất của bạn phụ thuộc v\xe0o to\xe0n bộ bức tranh t\xe0i ch\xednh của bạn v\xe0 thay đổi theo thị trường mỗi ng\xe0y. Thay v\xec đưa ra một con số m\xe0 bạn kh\xf4ng thể giữ, c\xe1n bộ t\xedn dụng của bạn sẽ định gi\xe1 khoản vay với b\xean cho vay v\xe0 hướng dẫn bạn về c\xe1c lá»±a chọn thá»±c tế — v\xe0 bạn sẽ nhận được l\xe3i suất bằng văn bản tr\xean Bản Ước t\xednh Khoản vay của bạn.","bsharedA.noSurpriseNumbers":"Kh\xf4ng c\xf3 con số bất ngờ — chỉ l\xe0 một b\xe1o gi\xe1 thá»±c từ một người thá»±c.","bsharedA.messageSentToLoanOfficer":"Đ\xe3 gá»­i tin nhắn đến c\xe1n bộ t\xedn dụng của bạn","bsharedA.followUpDirectly":"Họ sẽ li\xean hệ trá»±c tiếp với bạn. Đối với bất kỳ việc g\xec khẩn cấp, h\xe3y gọi hoặc gá»­i email cho họ bằng thẻ ở tr\xean.","bsharedA.sendAnotherMessage":"Gá»­i tin nhắn kh\xe1c","bsharedA.askAboutRateOrOptions":"Hỏi về l\xe3i suất hoặc c\xe1c t\xf9y chọn của bạn","bsharedA.sendQuestionGetBack":"Gá»­i c\xe2u hỏi cho c\xe1n bộ t\xedn dụng của bạn v\xe0 họ sẽ phản hồi bạn.","bsharedA.pricingMessagePlaceholder":"Xin ch\xe0o, t\xf4i muốn hiểu r\xf5 l\xe3i suất v\xe0 c\xe1c t\xf9y chọn thanh to\xe1n h\xe0ng th\xe1ng của m\xecnh cho...","bsharedA.sending":"Đang gá»­i…","bsharedA.sendToLoanOfficer":"Gá»­i đến c\xe1n bộ t\xedn dụng","bsharedA.generalQuestionAssistant":"Bạn c\xf3 c\xe2u hỏi chung về quy tr\xecnh? Nhấn v\xe0o trợ l\xfd ở g\xf3c — n\xf3 c\xf3 thể giải th\xedch c\xe1c bước v\xe0 t\xe0i liệu, nhÆ°ng c\xe1n bộ t\xedn dụng của bạn sẽ xá»­ l\xfd mọi vấn đề về l\xe3i suất hoặc việc ph\xea duyệt cụ thể của bạn.","bsharedA.wholesalePricing":"Định gi\xe1 B\xe1n bu\xf4n","bsharedA.todaysPricing":"Định gi\xe1 H\xf4m nay","bsharedA.todaysPricingSubtitle":"Định gi\xe1 h\xf4m nay từ c\xe1c bảng l\xe3i suất b\xe1n bu\xf4n của nh\xe0 m\xf4i giới của bạn, được t\xednh to\xe1n dá»±a tr\xean t\xecnh huống khoản vay cụ thể của bạn. H\xe3y trao đổi với nh\xe0 m\xf4i giới của bạn về việc kh\xf3a mức l\xe3i suất ph\xf9 hợp với bạn.","bsharedA.pullingTodaysPricing":"Đang lấy định gi\xe1 h\xf4m nay…","bsharedA.noAccessToLoan":"Bạn kh\xf4ng c\xf3 quyền truy cập khoản vay n\xe0y.","bsharedA.pricingFailedToLoad":"Kh\xf4ng tải được định gi\xe1.","bsharedA.noEligibleProducts":"Hiện kh\xf4ng c\xf3 sản phẩm đủ điều kiện","bsharedA.noEligibleProductsBody":"Kh\xf4ng c\xf3 b\xean cho vay n\xe0o trong hồ sÆ¡ c\xf3 sản phẩm ph\xf9 hợp với t\xecnh huống của bạn. H\xe3y li\xean hệ với nh\xe0 m\xf4i giới của bạn — họ c\xf3 thể xem x\xe9t đơn đăng k\xfd của bạn v\xe0 kiểm tra c\xe1c chÆ°Æ¡ng tr\xecnh cho vay bổ sung.","bsharedA.yourBestParRate":"L\xe3i suất Par Tốt nhất của Bạn","bsharedA.noDiscountPointsSuffix":"— kh\xf4ng c\xf3 điểm chiết khấu","bsharedA.onAProduct":"đối với {product}","bsharedA.rateLockTagline":"Kh\xf3a l\xe3i suất {days} ng\xe0y \xb7 định gi\xe1 b\xe1n bu\xf4n của nh\xe0 m\xf4i giới của bạn \xb7 kh\xf4ng trả trước g\xec cả","bsharedA.estimatedMonthlyPI":"Gốc v\xe0 l\xe3i h\xe0ng th\xe1ng ước t\xednh","b

1sharedA.discountPoints":"Điểm chiết khấu","bsharedA.none":"Kh\xf4ng c\xf3","bsharedA.finalPrice":"Gi\xe1 cuối c\xf9ng","bsharedA.pricingThisScenario":"Đang định gi\xe1 kịch bản n\xe0y","bsharedA.scenarioLoan":"Khoản vay","bsharedA.scenarioProperty":"Bất động sản","bsharedA.scenarioOccupancy":"T\xecnh trạng cư tr\xfa","bsharedA.scenarioPurpose":"Mục đ\xedch","bsharedA.allAvailableProducts":"Tất cả sản phẩm hiện c\xf3","bsharedA.allAvailableProductsDesc":"L\xe3i suất par (kh\xf4ng điểm) v\xe0 l\xe3i suất mua giảm thấp nhất (trả bằng điểm chiết khấu khi kết th\xfac) cho mỗi sản phẩm m\xe0 nh\xe0 m\xf4i giới của bạn c\xf3 thể cung cấp.","bsharedA.rateLadder":"Bậc thang l\xe3i suất","bsharedA.rateLadderSubtitle":"Sắp xếp theo l\xe3i suất danh nghĩa, thấp nhất trước. L\xe3i suất thấp hơn y\xeau cầu mua điểm khi kết th\xfac.","bsharedA.colProduct":"Sản phẩm","bsharedA.colRate":"L\xe3i suất","bsharedA.colPoints":"Điểm","bsharedA.colCostAtClosing":"Chi ph\xed khi kết th\xfac","bsharedA.colLock":"Kh\xf3a","bsharedA.par":"Par","bsharedA.buyDown":"Mua giảm","bsharedA.readyToLockRate":"Sẵn s\xe0ng kh\xf3a l\xe3i suất chưa?","bsharedA.readyToLockRateBody":"H\xe3y trao đổi với nh\xe0 m\xf4i giới của bạn. Họ c\xf3 thể x\xe1c nhận điều kiện đủ ti\xeau chuẩn, giải th\xedch sự đ\xe1nh đổi giữa việc trả điểm v\xe0 l\xe3i suất cao hơn, v\xe0 kh\xf3a lựa chọn của bạn cho khoản vay.","bsharedA.missingCreditScore":"Điểm t\xedn dụng (nh\xe0 m\xf4i giới của bạn sẽ kiểm tra)","bsharedA.missingLoanAmount":"Số tiền vay (Bước 6 của đơn đăng k\xfd)","bsharedA.missingPropertyValue":"Gi\xe1 trị bất động sản (Bước 6 của đơn đăng k\xfd)","bsharedA.missingOccupancy":"C\xe1ch sử dụng bất động sản (Bước 6)","bsharedA.missingLoanPurpose":"Mua hoặc t\xe1i cấp vốn (Bước 6)","bsharedA.missingPropertyType":"Loại bất động sản (Bước 6)","bsharedA.aFewMoreDetailsFirst":"Trước ti\xean cần th\xeam v\xe0i chi tiết","bsharedA.weNeedTheseToPullPricing":"Ch\xfang t\xf4i cần nhữ

1ng th\xf4ng tin n\xe0y để lấy gi\xe1 h\xf4m nay. Hầu hết đều c\xf3 trong đơn vay của bạn — nh\xe0 m\xf4i giới sẽ kiểm tra t\xedn dụng.","bsharedA.noAccessToLoanTitle":"Bạn kh\xf4ng c\xf3 quyền truy cập khoản vay n\xe0y","bsharedA.pricingDidntLoad":"Kh\xf4ng tải được gi\xe1","bsharedA.applicationProgress":"Tiến tr\xecnh đơn đăng k\xfd","bsharedA.fundedSuffix":"(đ\xe3 giải ng\xe2n)","bsharedA.computingYourNumbers":"Đang t\xednh to\xe1n c\xe1c con số của bạn…","bsharedA.numbersNotReady":"C\xe1c con số chưa sẵn s\xe0ng","bsharedA.numbersNotReadyBody":"Nh\xe2n vi\xean cho vay của bạn vẫn đang thu thập th\xf4ng tin. Sau khi đơn đăng k\xfd ho\xe0n tất v\xe0 l\xe3i suất được kh\xf3a, bạn sẽ thấy ước t\xednh khoản thanh to\xe1n h\xe0ng th\xe1ng v\xe0 c\xe1c tỷ lệ đủ điều kiện tại đ\xe2y.","bsharedA.segLoanPayment":"Khoản thanh to\xe1n khoản vay","bsharedA.segPropertyTax":"Thuế bất động sản","bsharedA.segHomeownersInsurance":"Bảo hiểm chủ nh\xe0","bsharedA.segMortgageInsurance":"Bảo hiểm thế chấp","bsharedA.segHoaDues":"Ph\xed HOA","bsharedA.viewYourLoanDetail

1s":"Xem chi tiết khoản vay của bạn","bsharedA.yourLoanAtAGlance":"Tổng quan khoản vay của bạn","bsharedA.atRatePrefix":"ở mức {rate}% \xb7","bsharedA.loanOnHome":"khoản vay {loan} cho căn nh\xe0 {home}","bsharedA.loanOnly":"khoản vay {loan}","bsharedA.hideLoanDetails":"Ẩn chi tiết khoản vay","bsharedA.hide":"Ẩn","bsharedA.monthlyHousingPayment":"Khoản thanh to\xe1n nh\xe0 ở h\xe0ng th\xe1ng","bsharedA.atRate":"ở mức {rate}%","bsharedA.loanAmount":"Số tiền vay","bsharedA.onAHome":"cho căn nh\xe0 {home}","bsharedA.cashYouKeepEachMonth":"Tiền mặt bạn giữ lại mỗi th\xe1ng","bsharedA.afterHousingAndDebts":"sau chi ph\xed nh\xe0 ở + c\xe1c khoản nợ kh\xe1c","bsharedA.debtToIncomeLabel":"Tỷ lệ nợ tr\xean thu nhập (DTI)","bsharedA.dtiComfortable":"C\xe1c khoản nợ h\xe0ng th\xe1ng của bạn nằm trong mức thoải m\xe1i. C\xe1c b\xean cho vay thường đ\xe1nh gi\xe1 điều n\xe0y một c\xe1ch t\xedch cực.","bsharedA.dtiStandard":"C\xe1c khoản nợ h\xe0ng th\xe1ng của bạn nằm trong giới hạn đủ điều kiện ti\xeau chuẩn.","bsharedA.dtiAbove43":"C\xe1c khoản nợ của bạn vượt qu\xe1 ngưỡng thoải m\xe1i ti\xeau chuẩn 43%. Một số b\xean cho vay c\xf3 thể cần t\xe0i liệu bổ sung.","bsharedA.dtiAbove50":"C\xe1c khoản nợ h\xe0ng th\xe1ng của bạn vượt qu\xe1 mức trần th\xf4ng thường 50%. Ch\xfang t\xf4i c\xf3 thể cần điều chỉnh cấu tr\xfac khoản vay.","bsharedA.loanToValueLabel":"Tỷ lệ vay tr\xean gi\xe1 trị (LTV)","bsharedA.ltvBelow80":"Bạn ở dưới ngưỡng 80% — kh\xf4ng cần bảo hiểm thế chấp. Điều đ\xf3 gi\xfap khoản thanh to\xe1n h\xe0ng th\xe1ng của bạn thấp hơn.","bsharedA.ltvBetween8095":"Bạn ở tr\xean mức 80%, v\xec vậy b\xean cho vay sẽ y\xeau cầu bảo hiểm thế chấp (MI). N\xf3 được phản \xe1nh trong khoản thanh to\xe1n h\xe0ng th\xe1ng ở tr\xean.","bsharedA.ltvAbove95":"Bạn ở tr\xean mức 95% — đ\xe2y l\xe0 khoản vay LTV cao v\xe0 c\xf3 thể c\xf3 c\xe1c y\xeau cầu bổ sung.","bsharedA.whatGoesIntoPayment":"Những g\xec cấu th\xe0nh khoản thanh to\xe1n nh\xe0 ở h\xe0ng th\xe1ng của bạn","bsharedA.qualifyingEstimatesNote":"Những con số n\xe0y l\xe0 ước t\xednh từ dữ liệu đơn đăng k\xfd của bạn. C\xe1c con số cuối c\xf9ng sẽ xuất hiện tr\xean Closing Disclosure của bạn. C\xf3 c\xe2u hỏi? H\xe3y trả lời bất kỳ email n\xe0o từ nh\xe2n vi\xean cho vay của bạn — n\xf3 được gửi trực tiếp đến họ.","bsharedA.checkingRescissionStatus":"Đang kiểm tra trạng th\xe1i hủy bỏ…","bsharedA.rightToCancel":"Quyền hủy bỏ","bsharedA.rescissionWindowClosed":"Thời hạn hủy bỏ đ\xe3 đ\xf3ng","bsharedA.oneDayLeftToCancel":"C\xf2n 1 ng\xe0y để hủy bỏ","bsharedA.daysLeftToCancel":"C\xf2n {days} ng\xe0y để hủy bỏ","bsharedA.deadlineEndOfDay":"Hạn ch\xf3t: {date} (cuối ng\xe0y)","bsharedA.rescissionLegalPre":"Luật li\xean bang (Truth in Lending Act, 15 U.S.C. \xa71635) cho ph\xe9p bạn","bsharedA.threeBusinessDays":"ba ng\xe0y l\xe0m việc","bsharedA.rescissionLegalPost":"để hủy bỏ việc t\xe1i cấp vốn n\xe0y — tức l\xe0 hủy m\xe0 kh\xf4ng bị phạt. Sau hạn ch\xf3t, khoản vay được giải ng\xe2n v\xe0 bạn kh\xf4ng thể ho\xe0n t\xe1c th\xf4ng qua quy tr\xecnh hủy bỏ.","bsharedA.rescissionClosedBody":"Thời hạn quyền hủy bỏ ba ng\xe0y l\xe0m việc của bạn đ\xe3 đ\xf3ng. Khoản vay của bạn hiện c\xf3 thể tiến h\xe0nh giải ng\xe2n.","bsharedA.earliestFundingDate":"Ng\xe0y giải ng\xe2n sớm nhất","bsharedA.howToCancel":"C\xe1ch hủy bỏ","bsharedA.cancelStep1Pre":"K\xfd v\xe0 ghi ng\xe0y v\xe0o","bsharedA.noticeOfRightToCancel":"Notice of Right to Cancel","bsharedA.cancelStep1Post":"biểu mẫu (k\xe8m theo trong t\xe0i liệu kết th\xfac của bạn) v\xe0 gửi lại cho b\xean cho vay qua thư, fax, điện t\xedn hoặc phương thức bằng văn bản kh\xe1c TRƯỚC nửa đ\xeam của ng\xe0y hạn ch\xf3t n\xeau tr\xean.","bsharedA.cancelStep2":"Nếu bạn hủy bỏ, b\xean cho vay phải ho\xe0n trả bất kỳ khoản tiền hoặc t\xe0i sản n\xe0o bạn đ\xe3 giao v\xe0 giải ph\xf3ng mọi quyền lợi bảo đảm trong v\xf2ng 20 ng\xe0y. Bạn kh\xf4ng phải trả ph\xed hủy bỏ.","bsharedA.cancelDisclaimer":"Bản t\xf3m tắt n\xe0y chỉ nhằm mục đ\xedch th\xf4ng tin chung; h\xe3y dựa v\xe0o biểu mẫu Notice of Right to Cancel được in để biết c\xe1c y\xeau cầu thủ tục ch\xednh x\xe1c.","bsharedA.resourceIncomeTitle":"C\xe1ch thu nhập của bạn được t\xednh","b

1sharedA.resourceIncomeBlurb":"Ph\xe2n t\xedch từng d\xf2ng thu nhập đủ điều kiện với ph\xe9p t\xednh đằng sau mỗi nguồn.","bsharedA.resourceDocsTitle":"T\xe0i liệu bạn vẫn cần cung cấp","bsharedA.resourceDocsBlurb":"Danh s\xe1ch tr\xean một m\xe0n h\xecnh về mọi y\xeau cầu t\xe0i liệu c\xf2n mở, k\xe8m thời gian chờ đợi.","bsharedA.resourceDisclosuresTitle":"Loan Estimate v\xe0 Closing Disclosure","bsharedA.resourceDisclosuresBlurb":"Xem, tải xuống v\xe0 x\xe1c nhận c\xe1c t\xe0i liệu c\xf4ng bố theo y\xeau cầu li\xean bang cho khoản vay của bạn.","bsharedA.resourcesForYou":"T\xe0i nguy\xean d\xe0nh cho bạn","bsharedA.resourcesSubtitle":"C\xe1c chế độ xem chi tiết về những phần trong khoản vay thường g\xe2y ra nhiều c\xe2u hỏi nhất.","bsharedA.sendFailed":"Gửi kh\xf4ng th\xe0nh c\xf4ng","bsharedA.loadingYourMessages":"Đang tải tin nhắn của bạn…","bsharedA.messageYourBroker":"Nhắn tin cho nh\xe0 m\xf4i giới của bạn","bsharedA.noMessagesYet":"Chưa c\xf3 tin nhắn","bsharedA.sendQuestionBrokerPinged":"Gửi một c\xe2u hỏi v\xe0 nh\xe0 m\xf4i giới của bạn sẽ được th\xf4ng b\xe1o.","bsharedA.typeAMessage":"Nhập tin nhắn…","bsharedA.sendMessage":"Gửi tin nhắn","bsharedA.welcomeNamed":"Ch\xe0o mừng, {name}","bsharedA.getStarted":"Bắt đầu","bsharedA.welcomeModalBody":"Ch\xfang t\xf4i chưa c\xf3 đơn vay đang hoạt động n\xe0o của bạn trong hồ sơ. Bạn c\xf3 thể bắt đầu đơn đăng k\xfd thế chấp 1003 đầy đủ ngay b\xe2y giờ, hoặc chuyển đến bảng điều khiển v\xe0 bắt đầu sau.","bsharedA.recommended":"Được đề xuất","bsharedA.start1003Application":"Bắt đầu đơn đăng k\xfd 1003","bsharedA.beginMortgageForm":"Bắt đầu biểu mẫu thế chấp","bsharedA.skipForNow":"Bỏ qua hiện tại","bsharedA.enterBorrowerDashboard":"V\xe0o bảng điều khiển người vay","bsharedA.lookAroundFirst":"H\xe3y xem qua trước; bạn c\xf3 thể bắt đầu đơn đăng k\xfd từ bảng điều khiển sau.","bsharedA.cashToCloseSummary":"T\xf3m tắt tiền mặt để kết th\xfac","bsharedA.wireNullStateLine1":"Nh\xe0 m\xf4i giới của bạn sẽ x\xe1c nhận số tiền mặt để kết th\xfac ch\xednh x\xe1c 1–2 ng\xe0y trước khi kết th\xfac.","bsharedA.wireNullStateLine2":"C\xe1c con số tr\xean Closing Disclosure của bạn l\xe0 ước t\xednh hiện tại.","bsharedA.wireDownPayment":"Khoản trả trước","bsharedA.wireClosingCosts":"Chi ph\xed kết th\xfac","bsharedA.wirePrepaidItems":"C\xe1c khoản trả trước","bsharedA.wireEscrowDeposit":"Khoản k\xfd quỹ escrow","bsharedA.wireTotal":"Tổng cộng","bsharedA.cashToCloseAria":"tiền mặt để kết th\xfac {amount}","bsharedA.wireDispatchedLine1":"Nh\xe0 m\xf4i giới của bạn đ\xe3 gửi hướng dẫn chuyển khoản đến c\xf4ng ty bảo hiểm quyền sở hữu.","bsharedA.wireDispatchedLine2":"Số tiền mặt để kết th\xfac ch\xednh x\xe1c nằm tr\xean Closing Disclosure của bạn — h\xe3y x\xe1c nhận số tiền với nh\xe0 m\xf4i giới trước khi gửi bất kỳ khoản tiền n\xe0o.","bsharedA.fundsTo":"Chuyển tiền đến:","bsharedA.howToPay":"C\xe1ch thanh to\xe1n:","bsharedA.cashiersCheckOrWire":"Chi phiếu ng\xe2n h\xe0ng hoặc chuyển khoản điện tử","bsharedA.sentByBroker":"Được gửi bởi nh\xe0 m\xf4i giới:","bsharedA.wireFraudWarning":"Cảnh b\xe1o gian lận chuyển khoản","bsharedA.wireFraudPre":"Kẻ lừa đảo chặn email v\xe0 gửi hướng dẫn chuyển khoản giả mạo.","bsharedA.wireFraudBold":"Lu\xf4n gọi cho c\xf4ng ty bảo hiểm quyền sở hữu (title company) qua số điện thoại bạn tự t\xecm được","bsharedA.wireFraudPost":"— kh\xf4ng bao giờ lấy từ email. Một khi đ\xe3 chuyển khoản, gần như kh\xf4ng thể lấy lại được.","bsharedA.wireFraudNeverAsk":"Unified Loan System sẽ kh\xf4ng bao giờ y\xeau cầu bạn chuyển tiền v\xe0o t\xe0i khoản mới qua email.","bsharedA.countdownOnSchedule":"Đ\xfang tiến độ","bsharedA.countdownClosingSoon":"Sắp đến ng\xe0y ho\xe0n tất — h\xe3y g

1iải quyết những việc c\xf2n dang dở","bsharedA.countdownClosingThisWeek":"Ho\xe0n tất trong tuần n\xe0y","bsharedA.congratsOnClosing":"Ch\xfac mừng bạn đ\xe3 ho\xe0n tất","bsharedA.daySinceClosing":"Ng\xe0y kể từ khi ho\xe0n tất","bsharedA.daysSinceClosing":"Số ng\xe0y kể từ khi ho\xe0n tất","bsharedA.todayIsTheDay":"H\xf4m nay l\xe0 ng\xe0y trọng đại","bsharedA.dayUntilYourKeys":"Ng\xe0y cho đến khi nhận ch\xeca kh\xf3a","bsharedA.daysUntilYourKeys":"Số ng\xe0y cho đến khi nhận ch\xeca kh\xf3a","bsharedA.closingCountdown":"Đếm ngược đến ng\xe0y ho\xe0n tất","bsharedA.confirmedClosingDate":"Ng\xe0y ho\xe0n tất đ\xe3 x\xe1c nhận","bsharedA.allConditionsCleared":"Tất cả điều kiện đ\xe3 được giải quyết","bsharedA.itemStillOpenOne":"{count} mục vẫn c\xf2n dang dở","bsharedA.itemStillOpenMany":"{count} mục vẫn c\xf2n dang dở","bsharedA.brokerReachOutBeforeClose":"Nh\xe0 m\xf4i giới của bạn sẽ li\xean hệ trước khi ho\xe0n tất.","bsharedA.youreSetSitBack":"Bạn đ\xe3 sẵn s\xe0ng — cứ thư gi\xe3n v\xe0 ch\xfang t\xf4i sẽ lo phần c\xf2n lại.","bsharedA.loadingClosingSchedule":"Đang tải lịch ho\xe0n tất…","bsharedA.failedToSubmitProposal":"Kh\xf4ng gửi được đề xuất","bsharedA.failedToAcceptCounter":"Kh\xf4ng chấp nhận được đề nghị đối ứng","bsharedA.failedToRejectCounter":"Kh\xf4ng từ chối được đề nghị đối ứng","bsharedA.failedToRepropose":"Kh\xf4ng đề xuất lại được","bsharedA.pickNewClosingDate":"Chọn ng\xe0y ho\xe0n tất mới","bsharedA.pickClosingDate":"Chọn ng\xe0y ho\xe0n tất","bsharedA.previousDatePassedOn":"Ng\xe0y trước đ\xf3 của bạn đ\xe3 bị nh\xe0 m\xf4i giới bỏ qua.","bsharedA.reasonLabel":"L\xfd do:","bsharedA.pickWeekdayHint":"Chọn một ng\xe0y trong tuần c\xe1ch h\xf4m nay \xedt nhất 7 ng\xe0y. Hầu hết c\xe1c khoản vay ho\xe0n tất trong 30–45 ng\xe0y — nh\xe0 m\xf4i giới c\xf3 thể đề nghị một ng\xe0y kh\xe1c dựa tr\xean thực tế.","bsharedA.proposedClosingDate":"Ng\xe0y ho\xe0n tất được đề xuất","bsharedA.notesForBrokerOptional":"Ghi ch\xfa cho nh\xe0 m\xf4i giới (t\xf9y chọn)","bsharedA.closingNotesPlaceholder":"T\xf9y chọn — c\xf3 điều g\xec nh\xe0 m\xf4i giới của bạn n\xean biết kh\xf4ng? (năm học, hết hạn thu\xea nh\xe0, v.v.)","bsharedA.sendToBroker":"Gửi cho nh\xe0 m\xf4i giới","bsharedA.awaitingBrokerReview":"Đang chờ nh\xe0 m\xf4i giới xem x\xe9t","bsharedA.proposedTimeAgo":"Đ\xe3 đề xuất {time}. Nh\xe0 m\xf4i giới của bạn sẽ x\xe1c nhận hoặc đề nghị một ng\xe0y kh\xe1c.","bsharedA.brokerSuggestedDifferentDate":"Nh\xe0 m\xf4i giới đề nghị một ng\xe0y kh\xe1c","bsharedA.youProposed":"Bạn đ\xe3 đề xuất","bsharedA.brokerSuggests":"Nh\xe0 m\xf4i giới đề nghị","bsharedA.acceptDate":"Chấp nhận ng\xe0y","bsharedA.pickAnother":"Chọn ng\xe0y kh\xe1c","bsharedA.walkAway":"Từ chối","bsharedA.yourProposedClosingDate":"Ng\xe0y ho\xe0n tất bạn đề xuất","bsharedA.reproposeNotesPlaceholder":"T\xf9y chọn — c\xf3 điều g\xec nh\xe0 m\xf4i giới của bạn n\xean biết về ng\xe0y mới n\xe0y kh\xf4ng?","bsharedA.sendNewDate":"Gửi ng\xe0y mới","bsharedA.reasonForDeclining":"L\xfd do từ chối ng\xe0y n\xe0y (t\xf9y chọn)","bsharedA.rejectReasonPlaceholder":"T\xf9y chọn — tại sao bạn từ chối ng\xe0y n\xe0y?","bsharedA.walkAwayFromDate":"Từ chối ng\xe0y n\xe0y","bsharedA.closingScheduled":"Đ\xe3 l\xean lịch ho\xe0n tất","bsharedA.confirmedTimeAgo":"Đ\xe3 x\xe1c nhận {time}","bsharedA.closingScheduledBody":"Nh\xe0 m\xf4i giới của bạn đang x\xe1c định thời điểm cho TRID v\xe0 bản c\xf4ng bố ho\xe0n tất (closing disclosure). Ch\xfang t\xf4i sẽ th\xf4ng b\xe1o khi y\xeau cầu k\xfd điện tử bộ hồ sơ ho\xe0n tất đến hộp thư của bạn.","bsharedA.goToClosingRoom":"Đến ph\xf2ng ho\xe0n tất của bạn","bsharedA.justNow":"vừa xong","bsharedA.closingDayWalkthrough":"Hướng dẫn ng\xe0y ho\xe0n tất","bsharedA.statusNow":"B\xe2y giờ","bsharedA.openInMaps":"Mở trong Maps","bsharedA.closingDayPrep":"Chuẩn bị cho ng\xe0y ho\xe0n tất","bsharedA.whatYoullNeedOn":"Những g\xec bạn cần v\xe0o ng\xe0y {date}","bsharedA.bringOrHaveReady":"Mang theo hoặc chuẩn bị sẵn","bsharedA.prepIdTitle":"Giấy tờ t\xf9y th\xe2n c\xf3 ảnh do ch\xednh phủ cấp","bsharedA.prepIdDetail":"Bằng l\xe1i xe hoặc hộ chiếu. Phải c\xf2n hiệu lực. Mỗi người đồng vay mang theo giấy tờ của ri\xeang m\xecnh.","bsharedA.prepCheckTitle":"Chi phiếu ng\xe2n h\xe0ng hoặc x\xe1c nhận chuyển khoản","bsharedA.prepCheckDetail":"Nh\xe2n vi\xean cho vay của bạn sẽ cung cấp số tiền cần để ho\xe0n tất (cash-to-close) ch\xednh x\xe1c trước 1–2 ng\xe0y. Đừng chuyển khoản từ s\xe9c c\xe1 nh\xe2n — 

1c\xe1c c\xf4ng ty bảo hiểm quyền sở hữu thường y\xeau cầu tiền đ\xe3 được chứng nhận.","bsharedA.prepInsuranceTitle":"Hồ sơ bảo hiểm nh\xe0 ở (insurance binder)","bsharedA.prepInsuranceDetail":"Năm đầu ti\xean được thanh to\xe1n khi ho\xe0n tất. Nếu bạn chưa mua bảo hiểm, h\xe3y l\xe0m điều đ\xf3 trong tuần n\xe0y.","bsharedA.prepCoborrowerTitle":"Sự c\xf3 mặt của người đồng vay / vợ hoặc chồng","bsharedA.prepCoborrowerDetail":"Bất kỳ ai c\xf3 t\xean trong khoản vay đều phải c\xf3 mặt (trực tiếp hoặc qua c\xf4ng chứng trực tuyến từ xa).","bsharedA.wireFraudIsReal":"Gian lận chuyển khoản l\xe0 c\xf3 thật — h\xe3y x\xe1c minh hướng dẫn chuyển khoản trực tiếp","bsharedA.wireFraudPrepPre":"Kẻ lừa đảo gửi email tr\xf4ng giống hệt c\xf4ng ty bảo hiểm quyền sở hữu của bạn, y\xeau cầu bạn chuyển tiền v\xe0o t\xe0i khoản của ch\xfang.","bsharedA.wireFraudPrepPost":"(kh\xf4ng lấy từ bất kỳ email n\xe0o) v\xe0 x\xe1c nhận bằng lời n\xf3i c\xe1c hướng dẫn chuyển khoản trước khi gửi. Một khi đ\xe3 chuyển khoản, gần như kh\xf4ng thể lấy lại được.","bsharedA.coborrowerAdded":"Đ\xe3 th\xeam người đồng vay","bsharedA.joinedAsYour":"đ\xe3 tham gia với tư c\xe1ch {relationship} của bạn","bsharedA.coborrowerWord":"người đồng vay","bsharedA.relSpouse":"Vợ/chồng","bsharedA.relDomesticPartner":"Bạn đời chung sống","bsharedA.relParent":"Cha/mẹ","bsharedA.relSibling":"Anh/chị/em","bsharedA.relOther":"Kh\xe1c","bsharedA.statusPending":"Đang chờ","bsharedA.statusAccepted":"Đ\xe3 chấp nhận","bsharedA.statusExpired":"Đ\xe3 hết hạn","bsharedA.statusRevoked":"Đ\xe3 thu hồi","bsharedA.failedToSendInvitation":"Kh\xf4ng gửi được lời mời","bsharedA.inviteSentTo":"Đ\xe3 gửi lời mời đến {email} — họ c\xf3 7 ng\xe0y để chấp nhận.","bsharedA.revokeConfirm":"Thu hồi lời mời 

1n\xe0y? Người nhận sẽ kh\xf4ng thể sá»­ dụng li\xean kết nữa.","bsharedA.revokeFailed":"Thu hồi kh\xf4ng th\xe0nh c\xf4ng","bsharedA.resendFailed":"Gá»­i lại kh\xf4ng th\xe0nh c\xf4ng","bsharedA.invitationResent":"Đ\xe3 gá»­i lại lời mời. Li\xean kết ban đầu vẫn hoạt động; ch\xfang t\xf4i chỉ gia hạn thời hạn.","bsharedA.namedSectionProgress":"Tiến độ phần của {name}","bsharedA.theirSectionProgress":"Tiến độ phần của họ","bsharedA.hasntOpenedYet":"\xb7 vẫn chÆ°a mở","bsharedA.theyCanFinishAt":"Họ c\xf3 thể ho\xe0n th\xe0nh bất cứ l\xfac n\xe0o tại","bsharedA.addACoborrower":"Th\xeam người đồng vay","bsharedA.coborrowerBoostIncome":"Việc th\xeam vợ/chồng hoặc bạn đời c\xf3 thể tăng thu nhập đủ điều kiện của bạn v\xe0 gi\xfap bạn đủ khả năng mua nhiều hÆ¡n.","bsharedA.invite":"Mời","bsharedA.expiresOn":"Hết hạn v\xe0o {date}","bsharedA.resendInvitationAria":"Gá»­i lại lời mời — c\xf9ng li\xean kết, gia hạn 7 ng\xe0y mới","bsharedA.revokeInvitationAria":"Thu hồi lời mời — li\xean kết ngừng hoạt động ngay lập tức","bsharedA.firstName":"T\xean","bsharedA.firstNamePlaceholder":"Jane","bsharedA.lastName":"Họ","bsharedA.lastNamePlaceholder":"Doe","bsharedA.emailLabel":"Email","bsharedA.coborrowerEmailPlaceholder":"[email protected]","bsharedA.relationship":"Mối quan hệ","bsharedA.sendInvite":"Gá»­i lời mời","bsharedA.emptyClickPre":"Nhấp v\xe0o","bsharedA.emptyClickPost":"để gá»­i email — người đồng vay của bạn sẽ tạo t\xe0i khoản ri\xeang để điền phần của họ trong đơn đăng k\xfd. Họ kh\xf4ng bao giờ thấy mật khẩu hoặc th\xf4ng tin nhạy cảm của bạn.","bsharedA.priorInvitations":"Lời mời trước đ\xe2y","bsharedA.yourProgress":"Tiến độ của bạn","bsharedA.countOfTotal":"{count} tr\xean {total}","bsharedA.pctComplete":"Ho\xe0n th\xe0nh {pct}%","bsharedA.nextUp":"Tiếp theo","bsharedA.dueDate":"Đến hạn {date}","bsharedA.startThis":"Bắt đầu mục n\xe0y →","bsharedA.allConditionsComplete":"Tất cả điều kiện đ\xe3 ho\xe0n tất!","bsharedA.loanOfficerWhatsNext":"Nh\xe2n vi\xean cho vay của bạn sẽ cho bạn biết bước tiếp theo.","bsharedA.disclosuresAndConsent":"C\xf4ng bố v\xe0 đồng \xfd","bsharedA.reviewAndAcceptDisclosures":"Vui l\xf2ng xem x\xe9t v\xe0 chấp nhận c\xe1c c\xf4ng bố sau để tiếp tục đơn đăng k\xfd của bạn.","bsharedA.consentESignTitle":"Đồng \xfd k\xfd điện tá»­","bsharedA.consentESignDesc":"T\xf4i đồng \xfd nhận c\xe1c c\xf4ng bố v\xe0 th\xf4ng tin li\xean lạc bằng phÆ°Æ¡ng thức điện tá»­ v\xe0 đồng \xfd k\xfd điện tá»­ c\xe1c t\xe0i liệu. T\xf4i hiểu rằng t\xf4i c\xf3 thể r\xfat lại sá»± đồng \xfd n\xe0y bất cứ l\xfac n\xe0o.","bsharedA.consentCreditAuthTitle":"Ủy quyền t\xedn dụng","bsharedA.consentCreditAuthDesc":'T\xf4i cho ph\xe9p b\xean cho vay lấy b\xe1o c\xe1o t\xedn dụng người ti\xeau d\xf9ng để đ\xe1nh gi\xe1 điều kiện đủ ti\xeau chuẩn của t\xf4i đối với khoản vay thế chấp. Đ\xe2y c\xf3 thể l\xe0 một "truy vấn nhẹ" kh\xf4ng ảnh hưởng đến điểm t\xedn dụng của t\xf4i ban đầu.',"bsharedA.consentTermsTitle":"Điều khoản dịch vụ","bsharedA.consentTermsDesc":"T\xf4i x\xe1c nhận rằng th\xf4ng tin được cung cấp l\xe0 đ\xfang v\xe0 ch\xednh x\xe1c. T\xf4i đồng \xfd với Điều khoản Dịch vụ v\xe0 Ch\xednh s\xe1ch Bảo mật.","bsharedA.tcpaAuthTitle":"Tin nhắn bảo mật v\xe0 x\xe1c thá»±c","bsharedA.tcpaLoanStatusTitle":"Trạng th\xe1i khoản vay v\xe0 cập nhật vận h\xe0nh","bsharedA.tcpaDocSigningTitle":"Nhắc nhở về t\xe0i liệu, kết th\xfac v\xe0 k\xfd điện tá»­","bsharedA.requiredBadge":"Bắt buộc","bsharedA.acceptedCheck":"Đ\xe3 chấp nhận ✓","bsharedA.optionalSmsNotifications":"Th\xf4ng b\xe1o SMS t\xf9y chọn","bsharedA.smsConsentNotRequired":"Kh\xf4ng bá

1º¯t buộc phải đồng \xfd nhận tin nhắn văn bản. Bạn c\xf3 thể chọn bất kỳ tổ hợp danh mục n\xe0o b\xean dưới.","bsharedA.requiredAgreementsAccepted":"Đ\xe3 chấp nhận {accepted} trong {total} thỏa thuận bắt buộc","bsharedA.yourLoanOfficerName":"Nh\xe2n vi\xean cho vay của bạn","bsharedA.messageNotSent":"Tin nhắn chÆ°a được gá»­i","bsharedA.somethingWentWrong":"Đ\xe3 xảy ra lỗi. Vui l\xf2ng thá»­ lại.","bsharedA.phoneNumber":"Số điện thoại","bsharedA.phone":"Điện thoại","bsharedA.loanOfficerRole":"Nh\xe2n vi\xean cho vay","bsharedA.sendMessageBelowGetBack":"Gá»­i tin nhắn b\xean dưới v\xe0 nh\xe2n vi\xean cho vay của bạn sẽ phản hồi.","bsharedA.sendAMessage":"Gá»­i tin nhắn","bsharedA.askQuestionRequestCall":"Đặt c\xe2u hỏi hoặc y\xeau cầu gọi lại.","bsharedA.topic":"Chủ đề","bsharedA.topicGeneralInquiry":"Y\xeau cầu chung","bsharedA.topicRateQuote":"B\xe1o gi\xe1 l\xe3i suất","bsharedA.topicPreApprovalStatus":"Trạng th\xe1i ph\xea duyệt trước","bsharedA.topicDocumentQuestion":"C\xe2u hỏi về t\xe0i liệu","bsharedA.topicScheduleCall":"L\xean lịch cuộc gọi","bsharedA.messageLabel":"Tin nhắn","bsharedA.contactPlaceholder":"Xin ch\xe0o {name}, t\xf4i c\xf3 một c\xe2u hỏi về... (hoặc nhấn micro để đọc)","bsharedA.sendMessageTitle":"Gá»­i tin nhắn","bsharedA.messageSentExclaim":"Đ\xe3 gá»­i tin nhắn!","bsharedA.thanksForReachingOut":"Cảm Æ¡n bạn đ\xe3 li\xean hệ. {name} sẽ theo d\xf5i với bạn tại đ\xe2y.","bsharedA.close":"Đ\xf3ng","bsharedA.dataDiscrepancyDetected":"Ph\xe1t hiện sai lệch dữ liệu","bsharedA.aiFoundMismatch":"AI của ch\xfang t\xf4i đ\xe3 ph\xe1t hiện sá»± kh\xf4ng khớp giữa đơn đăng k\xfd của bạn v\xe0 t\xe0i liệu đ\xe3 tải l\xean.","bsharedA.inApplication":"Trong đơn đăng k\xfd","bsharedA.emptyValue":"(Trống)","bsharedA.inDocument":"Trong t\xe0i liệu","bsharedA.keepMyValue":"Giữ gi\xe1 trị của t\xf4i","bsharedA.reviewAndFix":"Xem x\xe9t v\xe0 sá»­a","bsharedA.moreDiscrepancyOne":"Đ\xe3 ph\xe1t hiện th\xeam {count} sai lệch","bsharedA.moreDiscrepancyMany":"Đ\xe3 ph\xe1t hiện th\xeam {count} sai lệch","bsharedA.docNeedsSecondLookOne":"{count} t\xe0i liệu cần được xem lại","bsharedA.docNeedsSecondLookMany":"{count} t\xe0i liệu cần được xem lại","bsharedA.openReviewPage":"Mở trang xem x\xe9t để x\xe1c nhận hoặc sá»­a.","bsharedA.allCaughtUp":"Đ\xe3 ho\xe0n tất tất cả","bsharedA.nothingNeedsSignature":"Hiện tại kh\xf4ng c\xf3 g\xec cần chữ k\xfd hoặc xem x\xe9t của bạn. Nh\xe2n vi\xean cho vay của bạn sẽ th\xf4ng b\xe1o khi c\xf3 nội dung mới.","bsharedA.actionRequired":"Cần h\xe0nh động","bsharedA.pendingReview":"Đang chờ xem x\xe9t","bsharedA.documentsNeedAttention":"T\xe0i liệu cần bạn ch\xfa \xfd","bsharedA.itemWaitingOne":"{count} mục đang chờ bạn xem x\xe9t hoặc k\xfd.","bsharedA.itemWaitingMany":"{count} mục đang chờ bạn xem x\xe9t hoặc k\xfd.","bsharedA.newBadge":"Mới","bsharedA.complete":"Ho\xe0n tất","bsharedA.review":"Xem x\xe9t","bsharedA.needsYourAttention":"Cần bạn ch\xfa \xfd","bsharedA.nMissing":"Thiếu {count}","bsharedA.nMore":"+{count} nữa","bsharedA.viewAllDocuments":"Xem tất cả {count} t\xe0i liệu","bsharedA.hintFromPriorLoan":"Từ khoản vay trước","bsharedA.hintFromDocument":"Từ t\xe0i liệu","bsharedA.hintHeadsUp":"LÆ°u \xfd","bsharedA.applied":"Đ\xe3 \xe1p dụng","bsharedA.useThis":"D\xf9ng c\xe1i n\xe0y","bsharedA.dismissHint":"Bỏ qua gợi \xfd","bsharedA.boxCounter":"\xd4 {current}/{total}","bsharedA.closeGuidance":"Đ\xf3ng hướng dẫn","bsharedA.optionalBadge":"T\xf9y chọn","bsharedA.filled":"Đ\xe3 điền","bsharedA.askVeraAboutThis":"Hỏi Breeze về điều n\xe0y","bsharedA.backArrow":"← Quay lại","bsharedA.doneWithGuidance":"Ho\xe0n tất hướng dẫn","bsharedA.finish":"Ho\xe0n th\xe0nh","bsharedA.leftTheGuideContinue":"C\xf3 vẻ nhÆ° bạn đ\xe3 rời khỏi hướng dẫn — tiếp tục chứ?","bsharedA.dismissGuideResume":"Bỏ qua lời nhắc tiếp tục hướng dẫn","bsharedA.fundingDocsSigned":"Đ\xe3 k\xfd t\xe0i liệu","bsharedA.fundingWireSent":"Đ\xe3 gá»­i chuyển khoản","bsharedA.fundingLoanFunded":"Khoản vay đ\xe3 giải ng\xe2n","bsharedA.fundingStatusAria":"Trạng th\xe1i giải ng\xe2n: {status}","bsharedA.fundingStatus":"Trạng th\xe1i giải ng\xe2n","bsharedA.checkingForUpdates":"Đang kiểm tra cập nhật…","bsharedA.glossarySearchPlaceholder":"T\xecm thuật ngữ (v\xed dụ: APR, k\xfd quỹ, ph\xea duyệt trước)…","bsharedA.noTermsMatched":"Kh\xf4ng c\xf3 thuật ngữ n\xe0o khớp với “{query}”.","bsharedA.aka":"c\xf2n gọi l\xe0 {list}","bsharedA.seeAlso":"Xem th\xeam: {list}","bsharedA.guidedMode":"Chế độ hướng dẫn","bsharedA.stepNumber":"Bước {number}","bsharedA.expandGuidance":"Mở rộng hướng dẫn","bsharedA.collapseGuidance":"Thu gọn hướng dẫn","bsharedA.turnOffGuidance":"Tắt hướng dẫn","bsharedA.whatToKnow":"Điều cần biết","bsharedA.basedOnWhatYouEntered":"Dá»±a tr\xean những g\xec bạn đ\xe3 nhập","bsharedA.skipThisSection":"Bỏ qua phần n\xe0y b\xe2y giờ","bsharedA.turnOnGuidance":"Bật hướng dẫn","bsharedA.pullingInsuranceQuotes":"Đang lấy b\xe1o gi\xe1 bảo hiểm…","bsharedA.quotesForYourAddress":"{count} b\xe1o gi\xe1 cho địa chỉ của bạn","bsharedA.insuranceRequiredAtClosing":"Bắt buộc khi kết th\xfac. Đ\xe2y l\xe0 mức ước t\xednh sÆ¡ bộ về chi ph\xed bảo hiểm cho bất động sản của bạn để bạn lập ng\xe2n s\xe1ch — bạn sẽ chọn v\xe0 r\xe0ng buộc một hợp đồng bảo hiểm với h\xe3ng bảo hiểm (nh\xe2n vi\xean cho vay của bạn c\xf3 thể hỗ trợ) trước khi kết th\xfac.","bsharedA.coverageLine":"Nh\xe0 ở {dwelling} \xb7 T\xe0i sản {contents} \xb7 Tr\xe1ch nhiệm {liability} \xb7 Khấu trừ {deductible}

1","bsharedA.perYearEst":"/ năm ước t\xednh","bsharedA.quotesIllustrative":"B\xe1o gi\xe1 chỉ mang t\xednh minh họa cho đến khi t\xedch hợp với h\xe3ng bảo hiểm. Việc r\xe0ng buộc thực tế do h\xe3ng bảo hiểm bạn chọn xử l\xfd.","bsharedA.ratingAria":"Đ\xe1nh gi\xe1: {rating} tr\xean 5","bsharedA.viewYourLoanEstimate":"Xem Bảng Ước t\xednh Khoản vay của bạn","bsharedA.skipToYour":"Chuyển đến {label} của bạn","bsharedA.openAction":"Mở {label}","bsharedA.newActionRequired":"Mới \xb7 Cần h\xe0nh động","bsharedA.pendingShort":"Đang chờ","bsharedA.dismiss":"Bỏ qua","bsharedA.healthExcellent":"Xuất sắc","bsharedA.healthExcellentSub":"Bạn đang tiến triển rất tốt — hầu như kh\xf4ng c\xf2n g\xec để l\xe0m.","bsharedA.healthOnTrack":"Đ\xfang tiến độ","bsharedA.healthOnTrackSub":"C\xf2n v\xe0i mục nhỏ, nhưng những phần quan trọng đ\xe3 xong.","bsharedA.healthNeedsAttention":"Cần ch\xfa \xfd","bsharedA.healthNeedsAttentionSub":"Ho\xe0n th\xe0nh th\xeam một v\xe0i mục sẽ gi\xfap bạn tiến nhanh hơn.","bsharedA.healthActionRequired":"Cần h\xe0nh động","bsharedA.healthActionRequiredSub":"H\xe3y giải quyết c\xe1c mục đang mở để khoản vay tiếp tục tiến triển.","bsharedA.loanHealthScoreAria":"Điểm sức khỏe khoản vay: {score} tr\xean 100, {band}","bsharedA.loanHealth":"Sức khỏe khoản vay","bsharedA.quickestWins":"C\xe1ch nhanh nhất để tăng điểm của bạn","bsharedA.hideScoreBreakdown":"Ẩn chi tiết điểm số","bsharedA.howIsScoreCalculated":"Điểm số n\xe0y được t\xednh như thế n\xe0o?","bsharedA.yourLoanOfficer":"C\xe1n bộ t\xedn dụng của bạn","bsharedA.nmlsId":"NMLS {id}","bsharedA.actionEmail":"Email","bsharedA.actionCall":"Gọi","bsharedA.actionMessage":"Tin nhắn","bsharedA.loanOfficerHereToHelp":"C\xe1n bộ t\xedn dụng của bạn lu\xf4n sẵn s\xe0ng hỗ trợ. H\xe3y gọi bất cứ l\xfac n\xe0o trong giờ l\xe0m việc.","bsharedA.veraHelpWriteThis":"Breeze, gi\xfap t\xf4i viết phần n\xe0y","bsharedA.draftingFailed":"Soạn thảo thất bại","bsharedA.letterOfExplanation":"Thư giải tr\xecnh","bsharedA.forCondition":"Cho: {title}","bsharedA.whatUnderwritingNeeds":"Điều m\xe0 bộ phận thẩm định cần được giải th\xedch","bsharedA.anythingInYourWords":"Bạn c\xf3 điều g\xec muốn n\xf3i bằng lời của ch\xednh m\xecnh kh\xf4ng?","bsharedA.optional":"(t\xf9y chọn)","bsharedA.loeContextPlaceholder":"v\xed dụ: Khoản thanh to\xe1n trễ l\xe0 do t\xf4i nằm viện v\xe0o th\xe1ng Ba, v\xe0 t\xf4i đ\xe3 hồi phục ho\xe0n to\xe0n. T\xf4i chưa bao giờ trễ thanh to\xe1n trước hay sau đ\xf3.","bsharedA.helpsVeraWrite":"Gi\xfap Breeze viết thư ch\xednh x\xe1c hơn. Bạn cung cấp c\xe0ng nhiều th\xf4ng tin, bản nh\xe1p c\xe0ng tốt.","bsharedA.veraDraftedTone":"Breeze đ\xe3 soạn nội dung n\xe0y với giọng văn {tone}.","bsharedA.editAnything":"Chỉnh sửa bất cứ điều g\xec nghe kh\xf4ng giống bạn.","bsharedA.loeTipReplace":'Mẹo: h\xe3y thay thế mọi chỗ giữ chỗ "[fill in: …]" bằng th\xf4ng tin thực tế của bạn trước khi gửi.',"bsharedA.copied":"Đ\xe3 sao ch\xe9p!","bsharedA.copyLetter":"Sao ch\xe9p thư","bsharedA.drafting":"Đang soạn thảo…","bsharedA.reDraft":"Soạn lại","bsharedA.draftMyLetter":"Soạn thư của t\xf4i","bsharedA.stageApplication":"Đơn đăng k\xfd","bsharedA.stagePriced":"Đ\xe3 định gi\xe1","bsharedA.stageLeIssued":"Đ\xe3 ph\xe1t h\xe0nh LE","bsharedA.stageAus":"AUS","bsharedA.stageSubmitted":"Đ\xe3 nộp","bsharedA.stageCdIssued":"Đ\xe3 ph\xe1t h\xe0nh CD","bsharedA.stageSigned":"Đ\xe3 k\xfd","bsharedA.stageFunded":"Đ\xe3 giải ng\xe2n","bsharedA.vsNotStarted":"Chưa bắt đầu","bsharedA.vsInProgress":"Đang tiến h\xe0nh","bsharedA.vsAwaitingResponse":"Đang chờ phản hồi","bsharedA.vsComplete":"Ho\xe0n tất","bsharedA.vsNeedsAttention":"Cần ch\xfa \xfd","bsharedA.ownerYou":"Bạn","bsharedA.ownerBroker":"Nh\xe0 m\xf4i giới","bsharedA.ownerLender":"B\xean cho vay","bsharedA.ownerVendor":"Nh\xe0 cung cấp","bsharedA.ownerOnTrack":"Đ\xfang tiến độ","bsharedA.pillFunded":"Đ\xe3 giải ng\xe2n","bsharedA.pillOnTrack":"Đ\xfang tiến độ","bsharedA.pillInProgress":"Đang tiến h\xe0nh","bsharedA.yourLoanStatus":"Trạng th\xe1i khoản vay của bạn","bsharedA.stageLabel":"Giai đoạn: {stage}","bsharedA.dayOfPrefix":"Ng\xe0y","bsharedA.dayOfSuffix":"tr\xean ~{total}","bsharedA.daysToClose":"ng\xe0y đến khi ho\xe0n tất","bsharedA.refreshStatus":"L\xe0m mới trạng th\xe1i","bsharedA.onTrackNothingToDo":"Bạn đang đ\xfang tiến độ — kh\xf4ng cần l\xe0m g\xec ngay l\xfac n\xe0y","bsharedA.currentlyWaitingOn":"Hiện đang chờ {owner}","bsharedA.takeAction":"Thực hiện h\xe0nh động","bsharedA.tapAnyStepBelow":"Nhấn v\xe0o bất kỳ bước n\xe0o b\xean dưới","bsharedA.getInsightsTailored":"để nhận th\xf4ng tin được điều chỉnh ri\xeang cho khoản vay của bạn","bsharedA.recommendedDot":"\xb7 được khuyến nghị","bsharedA.expectedTodayTitle":"Vị tr\xed bạn n\xean đạt được v\xe0o h\xf4m nay theo tiến độ khoản vay trung b\xecnh","bsharedA.expected":"Dự kiến","bsharedA.yourCurrentStage":"Giai đoạn hiện tại của khoản vay của bạn","bsharedA.youAreHere":"Bạn đang ở đ\xe2y","bsharedA.whatHappensAtStage":"Điều g\xec xảy ra ở giai đoạn {stage}?","bsharedA.signedPill":"Đ\xe3 k\xfd","bsharedA.legend":"Ch\xfa th\xedch","bsharedA.legendActualStage":"— giai đoạn thực tế","bsharedA.legendTypicalPace":"— tiến độ điển h\xecnh","bsharedA.daysBehind":"\xb7 chậm {days}

1 ng\xe0y","bsharedA.daysAhead":"\xb7 nhanh {days} ng\xe0y","bsharedA.rightOnSchedule":"\xb7 đ\xfang tiến độ","bsharedA.loanFundedCongrats":"Khoản vay đ\xe3 giải ng\xe2n \xb7 xin ch\xfac mừng!","bsharedA.fileClosedWelcomeHome":"Hồ sơ của bạn đ\xe3 ho\xe0n tất v\xe0 giải ng\xe2n — ch\xe0o mừng về nh\xe0 mới.","bsharedA.openRequests":"Y\xeau cầu đang mở","bsharedA.needsAttention":"Cần ch\xfa \xfd","bsharedA.itemToAddress":"mục cần giải quyết","bsharedA.itemsToAddress":"mục cần giải quyết","bsharedA.laneFlagged":"luồng được gắn cờ","bsharedA.lanesFlagged":"luồng được gắn cờ","bsharedA.allClear":"tất cả đều ổn","bsharedA.inProgressTile":"Đang tiến h\xe0nh","bsharedA.laneActive":"luồng đang hoạt động","bsharedA.lanesActive":"luồng đang hoạt động","bsharedA.completeTile":"Ho\xe0n tất","bsharedA.laneCleared":"luồng đ\xe3 ho\xe0n th\xe0nh","bsharedA.lanesCleared":"luồng đ\xe3 ho\xe0n th\xe0nh","bsharedA.hideLoanLaneDetails":"Ẩn chi tiết luồng khoản vay","bsharedA.showLoanLaneDetails":"Hiển thị to\xe0n bộ chi tiết luồng khoản vay","bsharedA.hideDetails":"Ẩn chi tiết","bsharedA.seeFullDetailsLanes":"Xem to\xe0n bộ chi tiết ({lanes} luồng","bsharedA.plusRequestOne":" + {count} y\xeau cầu","bsharedA.plusRequestMany":" + {count} y\xeau cầu","bsharedA.closeParen":")","bsharedA.whatsHappeningLaneByLane":"Điều g\xec đang diễn ra, theo từng luồng","bsharedA.etaPrefix":"Dự kiến {eta}","bsharedA.openRequestsCount":"Y\xeau cầu đang mở ({count})","bsharedA.openDays":"Đang mở {days} ng\xe0y","bsharedA.daysOverdue":"Qu\xe1 hạn {days} ng\xe0y","bsharedA.dueInDays":"Đến hạn trong {days} ng\xe0y","bsharedA.closeStageDetails":"Đ\xf3ng chi tiết giai đoạn","bsharedA.loadingStageDetails":"Đang tải chi tiết giai đoạn v\xe0 c\xe1 nh\xe2n h\xf3a cho khoản vay của bạn…","bsharedA.upcoming":"Sắp tới","bsharedA.stageWord":"Giai đoạn","bsharedA.whatHappensAtThisStage":"Điều g\xec xảy ra ở giai đoạn n\xe0y","bsharedA.verasTakeOnYourLoan":"Nhận định của Breeze về khoản vay CỦA BẠN ở giai đoạn n\xe0y","bsharedA.whatYouNeededToBring":"Những g\xec bạn cần mang theo","bsharedA.whatToPrepare":"Cần chuẩn bị những g\xec","bsharedA.commonGotchas":"Những vấn đề thường gặp cần biết","bsharedA.openTileDetails":"Mở chi tiết {label}","bsharedB.pickDateTimeFirst":"Chọn ng\xe0y v\xe0 giờ trước","bsharedB.scheduleFailed":"L\xean lịch kh\xf4ng th\xe0nh c\xf4ng","bsharedB.cancelNotaryConfirm":"Hủy cuộc hẹn c\xf4ng chứng n\xe0y?","bsharedB.cancelFailed":"Hủy kh\xf4ng th\xe0nh c\xf4ng","bsharedB.loadingNotary":"Đang tải c\xf4ng chứng…","bsharedB.notarySigning":"K\xfd c\xf4ng chứng","bsharedB.scheduleYourAppointment":"L\xean lịch cuộc hẹn của bạn","bsharedB.notaryPickIntro":"Chọn c\xe1ch bạn muốn k\xfd — C\xf4ng chứng trực tuyến từ xa (RON) cho ph\xe9p bạn k\xfd từ bất cứ đ\xe2u qua cuộc gọi video, hoặc đặt lịch c\xf4ng chứng trực tiếp gần bạn.","bsharedB.scheduleNotary":"Đặt lịch c\xf4ng chứng","bsharedB.remoteRon":"Từ xa (RON)","bsharedB.ronSub":"K\xfd qua cuộc gọi video tại nh\xe0","bsharedB.inPerson":"Trực tiếp","bsharedB.inPersonSub":"C\xf4ng chứng vi\xean lưu động đến chỗ bạn","bsharedB.notaryNotesPlaceholder":"C\xf4ng chứng vi\xean cần biết điều g\xec kh\xf4ng? (chỗ đậu xe, lối đi tiếp cận, v.v.)","bsharedB.schedule":"Đặt lịch","bsharedB.statusConfirmed":"Đ\xe3 x\xe1c nhận","bsharedB.statusScheduled":"Đ\xe3 l\xean lịch","bsharedB.minuteSession":"Buổi {minutes} ph\xfat","bsharedB.notaryLabel":"C\xf4ng chứng vi\xean:","bsharedB.openSigningLink":"Mở li\xean kết k\xfd","bsharedB.mobileNotaryArrival":"C\xf4ng chứng vi\xean lưu động sẽ đến địa chỉ của bạn khoảng 5 ph\xfat trước giờ hẹn. Vui l\xf2ng mang theo giấy tờ t\xf9y th\xe2n c\xf3 ảnh do ch\xednh phủ cấp v\xe0 bất kỳ t\xe0i liệu tiền mặt để ho\xe0n tất (cash-to-close) n\xe0o.","bsharedB.testEnvironment":"M\xf4i trường thử nghiệm","bsharedB.offlineChangesSaved":"Ngoại tuyến — thay đổi đ\xe3 lưu cục bộ","bsharedB.syncing":"Đang đồ

1ng bộ…","bsharedB.synced":"Đ\xe3 đồng bộ","bsharedB.checkingActionItems":"Đang kiểm tra c\xe1c mục cần l\xe0m của bạn…","bsharedB.brokerHasEverything":"Nh\xe0 m\xf4i giới của bạn hiện đ\xe3 c\xf3 mọi thứ cần thiết từ bạn.","bsharedB.actionItemWaiting":"mục cần bạn xử l\xfd","bsharedB.actionItemsWaiting":"mục cần bạn xử l\xfd","bsharedB.tapToSeeList":"Nhấn để xem to\xe0n bộ danh s\xe1ch — hầu hết chỉ mất v\xe0i ph\xfat.","bsharedB.bankLinkedPulling":"Đ\xe3 li\xean kết ng\xe2n h\xe0ng — đang lấy t\xe0i khoản của bạn.","bsharedB.bankLinkFailed":"Ch\xfang t\xf4i kh\xf4ng thể ho\xe0n tất li\xean kết ng\xe2n h\xe0ng của bạn. Vui l\xf2ng thử lại hoặc d\xf9ng tải l\xean thủ c\xf4ng.","bsharedB.bankConnectionFailed":"Kết nối ng\xe2n h\xe0ng kh\xf4ng th\xe0nh c\xf4ng. Vui l\xf2ng thử lại hoặc tải l\xean sao k\xea thủ c\xf4ng.","bsharedB.bankSessionEnded":"Phi\xean ng\xe2n h\xe0ng của bạn đ\xe3 kết th\xfac bất ngờ. Vui l\xf2ng thử lại hoặc tải l\xean sao k\xea.","bsharedB.signInAgainConnect":"Vui l\xf2ng đăng nhập lại để kết nối ng\xe2n h\xe0ng của bạn.","bsharedB.bankLinkingUnavailable":"Li\xean kết ng\xe2n h\xe0ng tạm thời kh\xf4ng khả dụng. Vui l\xf2ng thử lại sau một ph\xfat hoặc tải l\xean sao k\xea thủ c\xf4ng.","bsharedB.bankLinkTooMany":"Qu\xe1 nhiều lần thử — vui l\xf2ng đợi v\xe0i ph\xfat rồi thử lại.","bsharedB.bankLinkStartError":"Kh\xf4ng thể bắt đầu li\xean kết ng\xe2n h\xe0ng (lỗi {status}). Vui l\xf2ng thử lại hoặc tải l\xean sao k\xea.","bsharedB.encryptingConnection":"Đang m\xe3 h\xf3a kết nối…","bsharedB.verifyingIdentity":"Đang x\xe1c minh danh t\xednh…","bsharedB.connectBankAuto":"Kết nối t\xe0i khoản ng\xe2n h\xe0ng tự động","bsharedB.disconnecting":"Đang ngắt kết nối…","bsharedB.disconnectBank":"Ngắt kết nối ng\xe2n h\xe0ng","bsharedB.yourBank":"ng\xe2n h\xe0ng của bạn","bsharedB.close":"Đ\xf3ng","bsharedB.headsUp":"Lưu \xfd","bsharedB.disconnectName":"Ngắt kết nối {name}?","bsharedB.disconnectDeleteData":"Ch\xfang t\xf4i sẽ x\xf3a sao k\xea ng\xe2n h\xe0ng, dữ liệu danh t\xednh v\xe0 b\xe1o c\xe1o t\xe0i sản m\xe0 ch\xfang t\xf4i đ\xe3 lấy từ Plaid.","bsharedB.disconnectReconnectAnytime":"Bạn c\xf3 thể kết nối lại bất cứ l\xfac n\xe0o — tiến tr\xecnh khoản vay của bạn vẫn nguy\xean vẹn.","bsharedB.disconnectAutoFillsManual":"Ngắt kết nối sẽ kh\xf4ng hủy đơn đăng k\xfd của bạn, nhưng mọi mục được tự động điền từ ng\xe2n h\xe0ng sẽ phải nhập thủ c\xf4ng cho đến khi bạn kết nối lại.","bsharedB.keepConnected":"Giữ kết nối","bsharedB.yesDisconnect":"C\xf3, ngắt kết nối","bsharedB.fromYourBank":"Từ ng\xe2n h\xe0ng của bạn","bsharedB.accountFound":"T\xecm thấy {count} t\xe0i khoản","bsharedB.accountsFound":"T\xecm thấy {count} t\xe0i khoản","bsharedB.accountFallback":"T\xe0i khoản","bsharedB.importHasManual":"Bạn muốn sử dụng ch\xfang như thế n\xe0o? C\xe1c t\xe0i khoản bạn tự nhập sẽ được giữ lại trừ khi bạn chọn thay thế.","bsharedB.importNoManual":"Th\xeam ch\xfang v\xe0o đơn đăng k\xfd của bạn, hoặc tiếp tục tự nhập.","bsharedB.addToMyList":"Th\xeam v\xe0o danh s\xe1ch của t\xf4i","bsharedB.replaceMyEntries":"Thay thế c\xe1c mục của t\xf4i bằng những mục n\xe0y","bsharedB.keepWhatIEntered":"Giữ những g\xec t\xf4i đ\xe3 nhập","bsharedB.noThanksEnter":"Kh\xf4ng, cảm ơn, t\xf4i sẽ tự nhập","bsharedB.bankReconnected":"Đ\xe3 kết nối lại ng\xe2n h\xe0ng — dữ liệu khoản vay của bạn đ\xe3 cập nhật lại.","bsharedB.bankReconnectFlagFailed":"Đ\xe3 lưu kết nối lại ng\xe2n h\xe0ng nhưng cờ trạng th\xe1i chưa được x\xf3a — l\xe0m mới trang để x\xe1c nhận.","bsharedB.bankReconnectMarkFailed":"Kh\xf4ng thể đ\xe1nh dấu ng\xe2n h\xe0ng l\xe0 đ\xe3 kết nối lại. Vui l\xf2ng thử lại hoặc li\xean hệ hỗ trợ.","bsharedB.bankReconnectSessionEnded":"Phi\xean kết nối lại ng\xe2n h\xe0ng đ\xe3 kết th\xfac. Vui l\xf2ng thử lại — dữ liệu hiện c\xf3 của bạn kh\xf4ng thay đổi.","bsharedB.signInAgainReconnect":"Vui l\xf2ng đăng nhập lại để kết nối lại ng\xe2n h\xe0ng của bạn.","bsharedB.reconnectStartError":"Kh\xf4ng thể bắt đầu quy tr\xecnh kết nối lại (lỗi {status}). Vui l\xf2ng thử lại sau gi\xe2y l\xe1t.","bsharedB.bankConnectionNeedsAttention":"Kết nối ng\xe2n h\xe0ng cần được ch\xfa \xfd","bsharedB.bankRequiresReLogin":"Ng\xe2n h\xe0ng của bạn y\xeau cầu đăng nhập lại nhanh để giữ dữ liệu khoản vay của bạn được cập nhật.","bsharedB.opening":"Đang mở…","bsharedB.reconnectBank":"Kết nối lại ng\xe2n h\xe0ng","bsharedB.yourDataYourFile":"Dữ liệu của bạn, hồ sơ của bạn","bsharedB.downloadYourData":"Tải xuống dữ liệu của bạn","bsharedB.portabilityBo

1dy":"Mẫu 1003 của bạn ở định dạng MISMO 3.4 — ti\xeau chuẩn của ng\xe0nh. Nhập thẳng v\xe0o Encompass / Calyx / LendingPad nếu bạn quyết định chuyển hồ sơ đi nơi kh\xe1c. Ch\xfang t\xf4i kh\xf4ng bao giờ r\xe0ng buộc bạn.","bsharedB.downloadMismoXml":"Tải xuống MISMO 3.4 XML","bsharedB.yourLoanIsFunded":"Khoản vay của bạn đ\xe3 được giải ng\xe2n.","bsharedB.congratulations":"Ch\xfac mừng!","bsharedB.fundedOn":"Giải ng\xe2n v\xe0o {date}","bsharedB.loanNumber":"Khoản vay {number}","bsharedB.setUpAutoPay":"Thiết lập thanh to\xe1n tự động","bsharedB.autoPayDesc":"Thiết lập khoản thanh to\xe1n h\xe0ng th\xe1ng tự động qua đơn vị phục vụ khoản vay của bạn để kh\xf4ng bao giờ trễ hạn.","bsharedB.goToServicerPortal":"Đến cổng đơn vị phục vụ khoản vay","bsharedB.comingSoon":"Sắp ra mắt","bsharedB.downloadDocs":"Tải xuống t\xe0i liệu","bsharedB.downloadDocsDesc":"Tải xuống bộ t\xe0i liệu ho\xe0n tất đ\xe3 k\xfd, Bản c\xf4ng bố ho\xe0n tất (Closing Disclosure) cuối c\xf9ng v\xe0 Th\xf4ng b\xe1o Quyền hủy bỏ.","bsharedB.downloadZip":"Tải xuống ZIP","bsharedB.leaveAReview":"Để lại đ\xe1nh gi\xe1","bsharedB.reviewDesc":"Trải nghiệm của bạn thế n\xe0o? Một đ\xe1nh gi\xe1 nhanh gi\xfap \xedch cho nh\xe0 m\xf4i giới của bạn v\xe0 những người vay trong tương lai.","bsharedB.rateExperience":"Đ\xe1nh gi\xe1 trải nghiệm","bsharedB.questionsAskVera":"C\xf3 thắc mắc về khoản thế chấp mới của bạn? Hỏi Breeze b\xean dưới ↓","bsharedB.exportMyData":"Xuất dữ liệu của t\xf4i","bsharedB.exportMyDataDesc":"Ch\xfang t\xf4i sẽ chuẩn bị một bản sao c\xf3 thể đọc bằng m\xe1y của mọi d\xf2ng dữ liệu li\xean kết với t\xe0i khoản của bạn v\xe0 gửi qua email cho bạn.","bsharedB.requestFiled":"Đ\xe3 gửi y\xeau cầu","bsharedB.requestExport":"Y\xeau cầu xuất dữ liệu","bsharedB.deleteMyAccount":"X\xf3a t\xe0i khoản của t\xf4i","bsharedB.deleteMyAccountDesc":"X\xf3a t\xe0i khoản, c\xe1c bản nh\xe1p 1003 đ\xe3 lưu, t\xe0i liệu v\xe0 t\xf9y chọn của bạn. Một số lịch sử khoản vay phải được lưu giữ để tu\xe2n thủ HMDA / BSA / Reg B — ch\xfang t\xf4i sẽ giữ c\xe1c hồ sơ đ\xf3 nhưng ẩn danh khi được ph\xe9p.","bsharedB.requestDeletion":"Y\xeau cầu x\xf3a","bsharedB.deletionConfirmWarning":"Bạn sắp gửi một y\xeau cầu x\xf3a theo CCPA / GDPR. Ch\xfang t\xf4i sẽ xử l\xfd trong v\xf2ng 45 ng\xe0y v\xe0 x\xe1c nhận qua email. C\xe1c khoản vay đang hoạt động kh\xf4ng thể x\xf3a cho đến khi đạt trạng th\xe1i kết th\xfac.","bsharedB.reasonOptional":"L\xfd do (t\xf9y chọn)","bsharedB.reasonPlaceholder":"Gi\xfap ch\xfang t\xf4i cải thiện.","bsharedB.confirmDeletionRequest":"X\xe1c nhận y\xeau cầu x\xf3a","bsharedB.requestFiledAt":"Đ\xe3 gửi y\xeau cầu v\xe0o {date}. Ch\xfang t\xf4i sẽ gửi email cho bạn khi xử l\xfd ho\xe0n tất (trong v\xf2ng 45 ng\xe0y).","bsharedB.pullingInsightsFor":"Đang lấy th\xf4ng tin chi tiết về bất động sản cho {street}…","bsharedB.noPublicData":"Kh\xf4ng t\xecm thấy dữ liệu c\xf4ng khai cho địa chỉ n\xe0y.","bsharedB.noPublicDataBody":"Phạm vi dữ liệu kh\xf4ng đồng đều ngo\xe0i c\xe1c thị trường lớn — điều n\xe0y sẽ kh\xf4ng ảnh hưởng đến đơn đăng k\xfd của bạn. Nh\xe0 m\xf4i giới của bạn sẽ lấy c\xe1c bất động sản so s\xe1nh (comps) v\xe0 một bản thẩm định thực tế trong qu\xe1 tr\xecnh xử l\xfd.","bsharedB.propertyInsights":"Th\xf4ng tin chi tiết về bất động sản","bsharedB.stubDataTitle":"Dữ liệu mẫu — đang chờ quan hệ đối t\xe1c Zillow Bridge Interactive","bsharedB.estimate":"Ước t\xednh","bsharedB.estimatedValue":"Gi\xe1 trị ước t\xednh","bsharedB.rangeLabel":"Khoảng:","bsharedB.factBuilt":"Năm x\xe2y","bsharedB.factSqFt":"Diện t\xedch (sq ft)","bsharedB.factBeds":"Ph\xf2ng ngủ","bsharedB.factBaths":"Ph\xf2ng tắm","bsharedB.annualPropertyTax":"Thuế bất động sản h\xe0ng năm","bsharedB.percentOfValue":"{pct}% gi\xe1 trị","bsharedB.perMoShort":"/th\xe1ng","bsharedB.confirmAtClosing":"X\xe1c nhận khi ho\xe0n tất","bsharedB.none":"Kh\xf4ng c\xf3","bsharedB.noHoaExpected":"Kh\xf4ng c\xf3 ph\xed HOA dự kiến","bsharedB.nearbySchools":"Trường học gần đ\xf3","bsharedB.schoolGradeDistance":"{grade} \xb7 {miles} dặm","bsharedB.recentlySoldNearby":"Đ\xe3 b\xe1n gần đ\xe2y ở khu vực l\xe2n cận","bsharedB.compDetail":"{bd} ph\xf2ng ngủ \xb7 {ba} ph\xf2ng tắm \xb7 {sqft} sqft \xb7 b\xe1n {date}","bsharedB.pushOnTitle":"Đ\xe3 bật th\xf4ng b\xe1o đẩy.","bsharedB.pushOnDesc":"Bạn sẽ nhận được th\xf4ng b\xe1o khi c\xf3 bản c\xf4ng bố mới hoặc cập nhật t\xe0i liệu.","bsharedB.turnOff":"Tắt","bsharedB.pushEnableDesc":"Bản c\xf4ng bố, x\xe1c minh t\xe0i liệu v\xe0 cập nhật điều kiện — gửi thẳng đến điện thoại hoặc m\xe1y t\xednh của bạn.","bsharedB.enabling":"Đang bật…","bsharedB.enable":"Bật","bsharedB.dismiss":"Bỏ qua","bsharedB.closeNotificationPrompt":"Đ\xf3ng lời nhắc th\xf4ng b\xe1o","bsharedB.getInstantUpdates":"Nhận cập nhật khoản vay tức th\xec","bsharedB.pushPromptDesc":"Ch\xfang t\xf4i chỉ th\xf4ng b\xe1o cho bạn về nhữ

1ng điều quan trọng: kh\xf3a l\xe3i suất, y\xeau cầu chữ k\xfd v\xe0 điều kiện được x\xf3a. Kh\xf4ng spam.","bsharedB.notNow":"Để sau","bsharedB.asking":"Đang y\xeau cầu…","bsharedB.turnOn":"Bật","bsharedB.pwaAddToHomeScreen":"Th\xeam v\xe0o m\xe0n h\xecnh ch\xednh","bsharedB.pwaInstallBorrowerTitle":"C\xe0i đặt Unified Loan System tr\xean điện thoại của bạn","bsharedB.pwaInstallBorrowerDesc":"Nhận cập nhật tức th\xec về khoản vay của bạn v\xe0 truy cập nhanh hơn — kh\xf4ng cần cửa h\xe0ng ứng dụng.","bsharedB.pwaIosTitle":"Th\xeam Unified Loan System v\xe0o m\xe0n h\xecnh ch\xednh của bạn","bsharedB.pwaIosBorrowerDesc":"iPhone chỉ cần ba thao t\xe1c nhấn nhanh từ menu Chia sẻ.","bsharedB.pwaInstallBrokerTitle":"Quản l\xfd quy tr\xecnh của bạn từ điện thoại","bsharedB.pwaInstallBrokerDesc":"Cảnh b\xe1o quy tr\xecnh, tr\xf2 chuyện Breeze v\xe0 kh\xf3a khoản vay chỉ bằng một chạm — tất cả trong một bản c\xe0i đặt nhanh, giống ứng dụng tr\xean m\xe0n h\xecnh ch\xednh.","bsharedB.pwaIosBrokerDesc":"iPhone chỉ cần ba thao t\xe1c nhấn nhanh từ menu Chia sẻ — sau đ\xf3 quy tr\xecnh của bạn chỉ c\xe1ch một chạm.","bsharedB.dismissInstallBanner":"Bỏ qua biểu ngữ c\xe0i đặt","bsharedB.install":"C\xe0i đặt","bsharedB.pwaStep1Tap":"Nhấn","bsharedB.pwaShare":"Chia sẻ","bsharedB.pwaStep1After":"trong thanh c\xf4ng cụ Safari.","bsharedB.pwaStep2Before":"Cuộn xuống → nhấn","bsharedB.pwaAddToHomeScreenBold":"Th\xeam v\xe0o m\xe0n h\xecnh ch\xednh","bsharedB.pwaStep3Before":"Nhấn","bsharedB.pwaAddBold":"Th\xeam","bsharedB.pwaStep3After":"ở g\xf3c tr\xean b\xean phải.","bsharedB.gotIt":"Đ\xe3 hiểu","bsharedB.comparingRate":"Đang so s\xe1nh l\xe3i suất của bạn với thị trường…","bsharedB.lockedItIn":"Đ\xe3 kh\xf3a","bsharedB.youBeatMarket":"Bạn đ\xe3 thắng thị trường","bsharedB.yourRate":"L\xe3i suất của bạn","bsharedB.marketAvg":"Trung b\xecnh thị trường","bsharedB.youSaved":"Bạn đ\xe3 tiết kiệm","bsharedB.lifetimeSavingsBefore":"Trong thời gian nắm giữ điển h\xecnh 7 năm, đ\xf3 l\xe0 khoảng","bsharedB.lifetimeSavingsAfter":"tiền l\xe3i m\xe0 bạn giữ lại thay v\xec phải trả. L\xe0m tốt lắm khi đ\xe3 so s\xe1nh l\xe3i suất.","bsharedB.replayDashboardTour":"Xem lại hướng dẫn bảng điều khiển","bsharedB.replayTour":"xem lại hướng dẫn","bsharedB.bandStrong":"Mạnh","bsharedB.bandStrongSub":"Hồ sơ của bạn tr\xf4ng rất tốt — bạn sẽ đủ điều kiện với hầu hết c\xe1c b\xean cho vay.","bsharedB.bandLikely":"C\xf3 khả năng","bsharedB.bandLikelySub":"Hầu hết c\xe1c b\xean cho vay sẽ chấp thuận hồ sơ n\xe0y. H\xe3y củng cố c\xe1c điểm yếu b\xean dưới để mở rộng lựa chọn.","bsharedB.bandBorderline":"Ranh giới","bsharedB.bandBorderlineSub":"Đang ở ranh giới. Một số b\xean cho vay sẽ đồng \xfd, nhưng gi\xe1 c\xf3 thể bị ảnh hưởng.","bsharedB.bandUnlikely":"Kh\xf3 c\xf3 khả năng","bsharedB.bandUnlikelySub":"Việc chấp thuận theo c\xe1ch truyền thống kh\xf3 xảy ra nếu kh\xf4ng xử l\xfd c\xe1c mục b\xean dưới.","bsharedB.preQualFailed":"Sơ tuyển kh\xf4ng th\xe0nh c\xf4ng","bsharedB.loadingPreQual":"Đang tải sơ tuyển của bạn…","bsharedB.preQualNoCredit":"Nhận sơ tuyển m\xe0 kh\xf4ng ảnh hưởng đến điểm t\xedn dụng của bạn","bsharedB.connectBankFirstDesc":"H\xe3y kết nối ng\xe2n h\xe0ng của bạn bằng Plaid trước. Ch\xfang t\xf4i sử dụng c\xe1c t\xedn hiệu lấy từ ng\xe2n h\xe0ng — kh\xf4ng truy vấn tri-merge từ c\xe1c cơ quan t\xedn dụng, kh\xf4ng ảnh hưởng đến FICO.","bsharedB.softPreQual":"Sơ tuyển mềm","bsharedB.whereScoreFrom":"Điểm số của bạn đến từ đ\xe2u","bsharedB.factorCredit":"T\xedn dụng của bạn","bsharedB.factorDownPayment":"Khoản trả trước","bsharedB.factorMonthlyDebts":"Nợ h\xe0ng th\xe1ng","bsharedB.factorSavingsJob":"Tiết kiệm v\xe0 lịch sử c\xf4ng việc","bsharedB.factorLoanProfile":"Hồ sơ khoản vay","bsharedB.factorUnderwriting":"Kiểm tra thẩm định","b

1sharedB.whatsWorking":"Những điều c\xf3 lợi cho bạn","bsharedB.whatToTighten":"Những điều cần củng cố","bsharedB.bankDerivedFallback":"Lấy từ ng\xe2n h\xe0ng (dự ph\xf2ng)","bsharedB.refreshingPreQual":"Đang l\xe0m mới sơ tuyển…","bsharedB.refreshPreQual":"L\xe0m mới sơ tuyển","bsharedB.refreshing":"Đang l\xe0m mới…","bsharedB.preQualCtaDesc":"Xem bạn đang ở đ\xe2u m\xe0 kh\xf4ng cần truy vấn t\xedn dụng cứng. Ch\xfang t\xf4i lấy một Plaid Check Consumer Report (t\xedn hiệu lấy từ ng\xe2n h\xe0ng + d\xf2ng tiền) v\xe0 chạy c\xf4ng cụ dự đo\xe1n ph\xea duyệt của ch\xfang t\xf4i.","bsharedB.preQualFinePrint":"Kh\xf4ng ảnh hưởng FICO \xb7 ~10 gi\xe2y \xb7 Được hỗ trợ bởi Plaid Check","bsharedB.bucketInProgress":"Đang tiến h\xe0nh","bsharedB.bucketInProgressSub":"Những việc đang được nh\xe0 m\xf4i giới, b\xean cho vay hoặc nh\xe0 cung cấp của bạn xử l\xfd.","bsharedB.bucketInProgressEmpty":"Hiện kh\xf4ng c\xf3 g\xec đang tiến h\xe0nh.","bsharedB.bucketComplete":"Ho\xe0n th\xe0nh","bsharedB.bucketCompleteSub":"C\xe1c mục đ\xe3 được ph\xea duyệt v\xe0 kh\xf4ng cần g\xec từ bạn.","bsharedB.bucketCompleteEmpty":"Chưa c\xf3 mục n\xe0o ho\xe0n th\xe0nh — vẫn c\xf2n sớm trong quy tr\xecnh.","bsharedB.bucketNeedsAttention":"Cần được ch\xfa \xfd","bsharedB.bucketNeedsAttentionSub":"C\xe1c mục đang chờ bạn hoặc bị mắc kẹt. Nhấp v\xe0o bất kỳ mục n\xe0o để chuyển đến nơi bạn c\xf3 thể xử l\xfd.","bsharedB.bucketNeedsAttentionEmpty":"Bạn đ\xe3 ho\xe0n to\xe0n theo kịp. Kh\xf4ng c\xf2n mục cần xử l\xfd.","bsharedB.closeButton":"Đ\xf3ng","bsharedB.openDays":"Mở {days} ng\xe0y","bsharedB.daysOverdue":"Qu\xe1 hạn {days} ng\xe0y","bsharedB.dueInDays":"Đến hạn trong {days} ng\xe0y","bsharedB.eta":"Dự kiến {eta}","bsharedB.integrityLabTitle":"Integrity Lab: Y\xeau cầu h\xe0nh động","bsharedB.integrityLabIntro":"C\xf4ng cụ kiểm tra t\xednh to\xe0n vẹn AI của ch\xfang t\xf4i đ\xe3 x\xe1c định một v\xe0i mục cần bạn ch\xfa \xfd để đưa khoản vay đến trạng th\xe1i clear-to-close. H\xe3y giải quyết c\xe1c điều khoản dưới đ\xe2y để được ph\xea duyệt tự động.","bsharedB.pendingActions":"{count} h\xe0nh động đang chờ","bsharedB.resolvedCount":"{count} đ\xe3 giải quyết","bsharedB.requiredProof":"Bằng chứng bắt buộc","bsharedB.refLabel":"Tham chiếu: {ref}","bsharedB.aiGeneratedStipulation":"Điều khoản do AI tạo","bsharedB.allSystemsClear":"Mọi thứ đều ổn","bsharedB.noPendingIntegrity":"Kh\xf4ng c\xf3 điều kiện to\xe0n vẹn n\xe0o đang chờ. Đơn đăng k\xfd của bạn đang tiến tới giải ng\xe2n cuối c\xf9ng.","bsharedB.resolutionStage":"Giai đoạn giải quyết","bsharedB.underwriterGuidance":"Hướng dẫn của thẩm định vi\xean","bsharedB.guidanceBefore":"Vui l\xf2ng cung cấp","bsharedB.guidanceBold":"bản gốc r\xf5 r\xe0ng, chưa chỉnh sửa","bsharedB.guidanceAfter":"bản gốc. Phản chiếu \xe1nh s\xe1ng h\xecnh ba chiều hoặc lề bị che khuất sẽ k\xedch hoạt việc AI từ chối lại.","bsharedB.uploadProofFor":"Tải l\xean bằng chứng cho: {type}","bsharedB.resolveCondition":"Giải quyết điều kiện","bsharedB.selectConditionToResolve":"Chọn một điều kiện để giải quyết","bsharedB.autonomousReview":"Đ\xe1nh gi\xe1 tự động","bsharedB.autonomousReviewDesc":"Neural Integrity Engine của ch\xfang t\xf4i sẽ kiểm tra tệp tải l\xean lại của bạn ngay lập tức. Hầu hết c\xe1c điều kiện được x\xf3a trong v\xf2ng 60 gi\xe2y sau khi gửi.","bsharedB.reviewingFile":"Đang xem x\xe9t hồ sơ của bạn…","bsharedB.unableToLoadInsights":"Kh\xf4ng thể tải th\xf4ng tin chi tiết về hồ sơ.","bsharedB.tryAgain":"Thử lại","bsharedB.fileLooksClean":"Hồ sơ của bạn tr\xf4ng sạch sẽ","bsharedB.reviewedDocClean":"Đ\xe3 xem x\xe9t {count} t\xe0i liệu — kh\xf4ng c\xf3 g\xec bị gắn cờ cần bạn xử l\xfd ngay b\xe2y giờ.","bsharedB.reviewedDocsClean":"Đ\xe3 xem x\xe9t {count} t\xe0i liệu — kh\xf4ng c\xf3 g\xec bị gắn cờ cần bạn xử l\xfd ngay b\xe2y giờ.","bsharedB.noDocsYet":"Chưa c\xf3 t\xe0i liệu n\xe0o để xem x\xe9t. Tải l\xean phiếu lương, sao k\xea ng\xe2n h\xe0ng, v.v. để bắt đầu.","bsharedB.fileReview":"Xem x\xe9t hồ sơ","bsharedB.thingsToKnow":"Những điều cần biết về hồ sơ của bạn","bsharedB.fromDocReviewed":"Từ {count} t\xe0i liệu m\xe0 ch\xfang t\xf4i đ\xe3 xem x\xe9t.","bsharedB.fromDocsReviewed":"Từ {count} t\xe0i liệu m\xe0 ch\xfang t\xf4i đ\xe3 xem x\xe9t.","bsharedB.needAttentionNow":"{count} cần được ch\xfa \xfd ngay b\xe2y giờ.","bsharedB.needAttentionNowPlural":"{count} cần được ch\xfa \xfd ngay b\xe2y giờ.","bsharedB.itemFlagged":"{count} mục đ\xe3 được gắn cờ.","bsharedB.itemsFlagged":"{count} mục đ\xe3 được gắn cờ.","bsharedB.showLess":"Hiển thị \xedt hơn","bsharedB.showMore":"Hiển thị th\xeam {count}","bsharedB.nextStepLabel":"Bước tiếp theo:","bsharedB.uploadNow":"Tải l\xean ngay","bsharedB.whatToBring":"Cần mang theo g\xec","bsharedB.readyCount":"{done}/{total} sẵn s\xe0ng","bsharedB.required":"Bắt buộc","bsharedB.addedByBroker":"Được th\xeam bởi nh\xe0 m\xf4i giới của bạn","bsharedB.allItemsReady":"Tất cả c\xe1c mục đ\xe3 sẵn s\xe0ng — bạn đ\xe3 chuẩn bị xong cho ng\xe0y ho\xe0n tất!","bsharedB.dismissBanner":"Bỏ qua biểu ngữ","bsharedB.wireFraudEyebrow":"Lừa đảo chuyển khoản — đọc kỹ trước khi gửi tiền","bsharedB.alwaysVerifyByPhone":"Lu\xf4n x\xe1c minh hướng dẫn chuyển khoản qua điện thoại","bsharedB.wireNever":"Kh\xf4ng bao giờ","bsharedB.wireBullet1":"tin tưởng hướng dẫn chuyển khoản qua email — ngay cả khi n\xf3 tr\xf4ng giống của nh\xe0 m\xf4i giới hoặc nh\xe2n vi\xean k\xfd quỹ của bạn. Email l\xe0 k\xeanh lừa đảo chuyển khoản số 1.","bsharedB.wireAlways":"Lu\xf4n lu\xf4n","bsharedB.wireBullet2"

1:"gọi điện để x\xe1c minh trước khi chuyển khoản. D\xf9ng số điện thoại từ một nguồn ri\xeang (cổng th\xf4ng tin n\xe0y, giấy tờ khoản vay trước đ\xe2y của bạn, hoặc trang web của nh\xe0 m\xf4i giới — kh\xf4ng phải số trong email).","bsharedB.wireBullet3Before":"Hướng dẫn chuyển khoản","bsharedB.wireChangeRarely":"hiếm khi thay đổi","bsharedB.wireBullet3After":'. Nếu bạn nhận được một "cập nhật v\xe0o ph\xfat ch\xf3t" y\xeau cầu gửi tiền đến nơi kh\xe1c, h\xe3y coi đ\xf3 l\xe0 lừa đảo cho đến khi được x\xe1c minh.',"bsharedB.callBrokerToVerify":"Gọi cho nh\xe0 m\xf4i giới để x\xe1c minh ({phone})","w3legal.questionsContact":"C\xf3 thắc mắc? Li\xean hệ với ch\xfang t\xf4i tại","w3legal.dpaEffective":"C\xf3 hiệu lực từ 2026-05-06.","w3legal.dpaTocScope":"1. Phạm vi","w3legal.dpaTocDefinitions":"2. Định nghĩa","w3legal.dpaTocRoles":"3. Vai tr\xf2 của c\xe1c B\xean","w3legal.dpaTocInstructions":"4. Hướng dẫn Xử l\xfd","w3legal.dpaTocConfidentiality":"5. Bảo mật","w3legal.dpaTocSecurityMeasures":"6. C\xe1c Biện ph\xe1p Bảo mật","w3legal.dpaTocSubProcessors":"7. Đơn vị Xử l\xfd Phụ","w3legal.dpaTocPlaidFlowdown":"8. Plaid Flow-Down Terms","w3legal.dpaTocDsr":"9. Y\xeau cầu của Chủ thể Dữ liệu","w3legal.dpaTocIncidents":"10. Sự cố Bảo mật","w3legal.dpaTocAudits":"11. Kiểm to\xe1n","w3legal.dpaTocReturnDeletion":"12. Trả lại v\xe0 X\xf3a Dữ liệu","w3legal.dpaTocTransfers":"13. Chuyển giao Quốc tế","w3legal.dpaTocLiability":"14. Tr\xe1ch nhiệm Ph\xe1p l\xfd","w3legal.dpaScopeBody":"Thỏa thuận Xử l\xfd Dữ liệu n\xe0y (“DPA”) bổ sung cho Master SaaS Agreement giữa Unified Loan System v\xe0 Kh\xe1ch h\xe0ng (“MSA”) v\xe0 điều chỉnh việc Unified Loan System xử l\xfd th\xf4ng tin c\xe1 nh\xe2n thay mặt cho Kh\xe1ch h\xe0ng li\xean quan đến Dịch vụ. C\xe1c thuật ngữ viết hoa kh\xf4ng được định nghĩa tại đ\xe2y c\xf3 nghĩa được n\xeau trong “MSA”. Trong trường hợp c\xf3 xung đột giữa “DPA” n\xe0y v\xe0 “MSA” li\xean quan đến việc bảo vệ dữ liệu, “DPA” n\xe0y sẽ được ưu ti\xean \xe1p dụng.","w3legal.dpaDefinitionsBody":"“Borrower NPI” nghĩa l\xe0 th\xf4ng tin c\xe1 nh\xe2n kh\xf4ng c\xf4ng khai về người ti\xeau d\xf9ng theo định nghĩa tại Gramm-Leach-Bliley Act (15 U.S.C. \xa7 6809) v\xe0 Regulation P, bao gồm t\xean, số An sinh X\xe3 hội, ng\xe0y sinh, số t\xe0i khoản t\xe0i ch\xednh, dữ liệu về t\xe0i sản v\xe0 thu nhập, v\xe0 th\xf4ng tin t\xedn dụng của người ti\xeau d\xf9ng. “Process” c\xf3 nghĩa được n\xeau tại 15 U.S.C. \xa7 6809 v\xe0 c\xe1c luật bảo mật người ti\xeau d\xf9ng của tiểu bang hiện h\xe0nh.","w3legal.dpaRolesBody":"Đối với “Borrower NPI” được gửi đến Dịch vụ, Kh\xe1ch h\xe0ng l\xe0 b\xean kiểm so\xe1t dữ liệu (hoặc, khi \xe1p dụng, l\xe0 “business” theo luật bảo mật người ti\xeau d\xf9ng California) v\xe0 Unified Loan System l\xe0 b\xean xử l\xfd dữ liệu (hoặc “service provider”). Unified Loan System sẽ Xử l\xfd “Borrower NPI” chỉ theo c\xe1c hướng dẫn được lập th\xe0nh văn bản của Kh\xe1ch h\xe0ng, bao gồm c\xe1c hướng dẫn được phản \xe1nh trong cấu h\xecnh của Dịch vụ.","w3legal.dpaInstructionsBody":"Kh\xe1ch h\xe0ng hướng dẫn Unified Loan System Xử l\xfd “Borrower NPI” khi cần thiết để (a) cung cấp v\xe0 duy tr\xec Dịch vụ; (b) ngăn ngừa, ph\xe1t hiện v\xe0 ứng ph\xf3 với c\xe1c sự cố bảo mật v\xe0 gian lận; (c) tu\xe2n thủ c\xe1c nghĩa vụ ph\xe1p l\xfd của Unified Loan System; v\xe0 (d) thực hiện c\xe1c t\xe1c vụ m\xe0 Kh\xe1ch h\xe0ng khởi tạo một c\xe1ch r\xf5 r\xe0ng trong Dịch vụ (chẳng hạn như ph\xe2n loại t\xe0i liệu, gửi chữ k\xfd điện tử, nộp cho b\xean cho vay, v\xe0 x\xe1c minh ng\xe2n h\xe0ng th\xf4ng qua Plaid). Unified Loan System sẽ kh\xf4ng B\xe1n hoặc Chia sẻ “Borrower NPI” theo định nghĩa của c\xe1c thuật ngữ đ\xf3 trong California Consumer Privacy Act.","w3legal.dpaConfidentialityBody":"Unified Loan System sẽ y\xeau cầu tất cả nh\xe2n sự được ủy quyền Xử l\xfd “Borrower NPI” phải chịu nghĩa vụ bảo mật v\xe0 được đ\xe0o tạo ph\xf9 hợp về việc xử l\xfd “Borrower NPI”.","w3legal.dpaSecurityIntro":"Unified Loan System triển khai v\xe0 duy tr\xec c\xe1c biện ph\xe1p kỹ thuật v\xe0 tổ chức được thiết kế để bảo vệ Borrower NPI khỏi bị ph\xe1 hủy do tai nạn hoặc bất hợp ph\xe1p, mất m\xe1t, thay đổi, tiết lộ tr\xe1i ph\xe9p hoặc truy cập tr\xe1i ph\xe9p. Cụ thể:","w3legal.dpaSecurityItem1":"M\xe3 h\xf3a khi truyền (TLS 1.2 trở l\xean) v\xe0 khi lưu trữ đối với c\xe1c kho dữ liệu của người vay.","w3legal.dpaSecurityItem2":"Kiểm so\xe1t truy cập dựa tr\xean vai tr\xf2; c\xe1ch ly người thu\xea theo từng nh\xe0 m\xf4i giới được thực thi ở lớp ứng dụng.","w3legal.dpaSecurityItem3":"X\xe1c thực đa yếu tố, kiểm tra lại t\xednh hoạt động của phi\xean, cảnh b\xe1o r\xe0ng buộc thiết bị v\xe0 passkey chống lừa đảo cho c\xe1c luồng c\xf3 gi\xe1 trị cao (Plaid, tải xuống t\xe0i liệu nhạy cảm).","w3legal.dpaSecurityItem4":"Ghi nhật k\xfd kiểm to\xe1n tự động về việc truy cập Borrower NPI, bao gồm c\xe1c sự kiện li\xean quan đến xuất dữ liệu v\xe0 tiết lộ, được lưu giữ trong thời hạn theo y\xeau cầu của luật hiện h\xe0nh.","w3legal.dpaSecurityItem5":"Gi\xe1m s\xe1t lỗ hổng thường xuy\xean, đ\xe1nh gi\xe1 cập nhật phụ thuộc v\xe0 quy tr\xecnh th\xf4ng b\xe1o vi phạm.","w3legal.dpaSubProcessorsBefore":"Unified Loan System thu\xea c\xe1c đơn vị xử l\xfd phụ để cung cấp Dịch vụ, bao gồm c\xe1c dịch vụ cơ sở hạ tầng, lưu trữ đ\xe1m m\xe2y, x\xe1c minh danh t\xednh, OCR thị gi\xe1c, chữ k\xfd điện tử, email giao dịch v\xe0 tổng hợp dữ liệu ng\xe2n h\xe0ng. Kh\xe1ch h\xe0ng cho ph\xe9p Unified Loan System sử dụng c\xe1c đơn vị xử l\xfd phụ được liệt 

1k\xea tại","w3legal.dpaSubProcessorsAfter":"Unified Loan System sẽ \xe1p đặt cho mỗi đơn vị xá»­ l\xfd phụ c\xe1c nghÄ©a vụ bảo vệ dữ liệu theo hợp đồng c\xf3 mức độ bảo vệ kh\xf4ng k\xe9m hÆ¡n những nghÄ©a vụ được quy định trong DPA n\xe0y.","w3legal.dpaPlaidFlowdownBody":"Dịch vụ t\xedch hợp với Plaid, Inc. để x\xe1c minh dữ liệu ng\xe2n h\xe0ng v\xe0 danh t\xednh được người vay cho ph\xe9p. Việc Kh\xe1ch h\xe0ng sá»­ dụng c\xe1c t\xednh năng của Plaid c\xf2n phải tu\xe2n theo Plaid End User Privacy Policy v\xe0 c\xe1c điều khoản chuyển tiếp d\xe0nh cho kh\xe1ch h\xe0ng của Plaid (“Plaid Flow-Down Terms”). Kh\xe1ch h\xe0ng phải chấp nhận Plaid Flow-Down Terms b\xean trong bảng điều khiển Unified Loan System trước khi bất kỳ t\xednh năng Plaid n\xe0o được k\xedch hoạt. Việc Kh\xe1ch h\xe0ng chấp nhận Plaid Flow-Down Terms được ghi lại c\xf9ng với phi\xean bản, dấu thời gian, IP v\xe0 t\xe1c nh\xe2n người d\xf9ng để ph\xe1t lại kiểm to\xe1n.","w3legal.dpaDsrBody":"Unified Loan System sẽ cung cấp sá»± hỗ trợ hợp l\xfd để gi\xfap Kh\xe1ch h\xe0ng thá»±c hiện nghÄ©a vụ của Kh\xe1ch h\xe0ng trong việc phản hồi c\xe1c y\xeau cầu của chủ thể dữ liệu (bao gồm c\xe1c y\xeau cầu của người vay để truy cập, chỉnh sá»­a, x\xf3a hoặc xuất th\xf4ng tin cá»

1§a họ). Kh\xe1ch h\xe0ng chịu tr\xe1ch nhiệm x\xe1c minh danh t\xednh của người y\xeau cầu v\xe0 đối với quyết định cÆ¡ bản về việc c\xf3 chấp thuận y\xeau cầu hay kh\xf4ng.","w3legal.dpaIncidentsBody":"Unified Loan System sẽ th\xf4ng b\xe1o cho Kh\xe1ch h\xe0ng m\xe0 kh\xf4ng c\xf3 sá»± chậm trễ kh\xf4ng đ\xe1ng c\xf3 sau khi biết về một Sá»± cố Bảo mật đ\xe3 được x\xe1c nhận ảnh hưởng đến Borrower NPI được Xá»­ l\xfd theo DPA n\xe0y, v\xe0 sẽ cung cấp th\xf4ng tin cần thiết một c\xe1ch hợp l\xfd để Kh\xe1ch h\xe0ng đ\xe1p ứng nghÄ©a vụ th\xf4ng b\xe1o của ri\xeang m\xecnh theo luật hiện h\xe0nh.","w3legal.dpaAuditsBody":"Mỗi năm một lần, với th\xf4ng b\xe1o bằng văn bản trước \xedt nhất ba mÆ°Æ¡i (30) ng\xe0y, Kh\xe1ch h\xe0ng (hoặc một kiểm to\xe1n vi\xean độc lập do Kh\xe1ch h\xe0ng lá»±a chọn, tu\xe2n theo nghÄ©a vụ bảo mật) c\xf3 thể kiểm to\xe1n việc tu\xe2n thủ DPA n\xe0y của Unified Loan System. Unified Loan System c\xf3 thể đ\xe1p ứng nghÄ©a vụ n\xe0y bằng c\xe1ch cung cấp c\xe1c b\xe1o c\xe1o kiểm to\xe1n của b\xean thứ ba gần đ\xe2y (v\xed dụ: SOC 2 Type II hoặc tÆ°Æ¡ng đương) khi c\xf3 sẵn.","w3legal.dpaReturnDeletionBody":"Khi MSA chấm dứt, Kh\xe1ch h\xe0ng c\xf3 thể y\xeau cầu trả lại Borrower NPI của m\xecnh ở định dạng c\xf3 thể di chuyển. Unified Loan System sẽ x\xf3a hoặc ẩn danh Borrower NPI trong v\xf2ng ch\xedn mÆ°Æ¡i (90) ng\xe0y kể từ khi chấm dứt, trừ khi việc lÆ°u giữ được y\xeau cầu bởi luật hiện h\xe0nh hoặc cho việc thiết lập, thá»±c hiện hoặc bảo vệ c\xe1c y\xeau s\xe1ch ph\xe1p l\xfd.","w3legal.dpaTransfersBody":"Unified Loan System Xá»­ l\xfd Borrower NPI tại Hoa Kỳ. Unified Loan System kh\xf4ng chuyển Borrower NPI ra ngo\xe0i Hoa Kỳ m\xe0 kh\xf4ng c\xf3 sá»± đồng \xfd trước bằng văn bản của Kh\xe1ch h\xe0ng.","w3legal.dpaLiabilityBody":"C\xe1c giới hạn tr\xe1ch nhiệm được quy định trong MSA \xe1p dụng cho DPA n\xe0y. Tr\xe1ch nhiệm của mỗi b\xean theo DPA n\xe0y phải tu\xe2n theo c\xe1c giới hạn đ\xf3.","w3legal.msaEffective":"C\xf3 hiệu lá»±c từ 2026-05-06.","w3legal.msaTocPartiesScope":"1. C\xe1c B\xean v\xe0 Phạm vi","w3legal.msaTocEligibility":"2. Điều kiện của Kh\xe1ch h\xe0ng","w3legal.msaTocLicenseGrant":"3. Cấp Giấy ph\xe9p","w3legal.msaTocCustomerResponsibilities":"4. Tr\xe1ch nhiệm của Kh\xe1ch h\xe0ng","w3legal.msaTocOnboarding":"5. T\xedch hợp v\xe0 X\xe1c minh Giấy ph\xe9p","w3legal.msaTocThirdParty":"6. Dịch Vụ Của B\xean Thứ Ba","w3legal.msaTocFees":"7. Ph\xed v\xe0 Thanh To\xe1n","w3legal.msaTocDataOwnership":"8. Quyền Sở Hữu v\xe0 Sá»­ Dụng Dữ Liệu","w3legal.msaTocConfidentiality":"9. Bảo Mật","w3legal.msaTocWarranties":"10. Bảo Đảm; Tuy\xean Bố Miễn Trừ","w3legal.msaTocLiability":"11. Giới Hạn Tr\xe1ch Nhiệm","w3legal.msaTocIndemnification":"12. Bồi Thường","w3legal.msaTocTerm":"13. Thời Hạn; Chấm Dứt","w3legal.msaTocGoverningLaw":"14. Luật Điều Chỉnh","w3legal.msaTocEntireAgreement":"15. To\xe0n Bộ Thỏa Thuận; Cập Nhật","w3legal.msaPartiesScopeBody":"Thỏa Thuận SaaS Tổng Thể n\xe0y (“Agreement”) được lập giữa California Mortgage Solutions, Inc., một c\xf4ng ty của California hoạt động dưới t\xean thÆ°Æ¡ng mại Unified Loan System (“Unified Loan System”, “we”, hoặc “us”), v\xe0 ph\xe1p nh\xe2n doanh nghiệp đăng k\xfd một kh\xf4ng gian l\xe0m việc Broker Console (“Customer” hoặc “you”). Thỏa thuận n\xe0y điều chỉnh việc bạn truy cập v\xe0 sá»­ dụng nền tảng phần mềm dưới dạng dịch vụ Unified Loan System Broker Console (“Service”).","w3legal.msaEligibilityBo

1dy":"Service chỉ được cung cấp cho c\xe1c m\xf4i giới thế chấp, người khởi tạo khoản vay thế chấp v\xe0 c\xe1c ph\xe1p nh\xe2n m\xf4i giới thế chấp c\xf3 giấy ph\xe9p đang hoạt động được cấp theo hệ thống li\xean bang Nationwide Mortgage Licensing System (“NMLS”) v\xe0 c\xe1c cơ quan cấp tiểu bang tương ứng. Bằng việc chấp nhận Agreement n\xe0y, bạn tuy\xean bố v\xe0 bảo đảm rằng (a) bạn c\xf3 giấy ph\xe9p NMLS hiện h\xe0nh, đang hoạt động để khởi tạo c\xe1c khoản vay thế chấp nh\xe0 ở, (b) to\xe0n bộ th\xf4ng tin doanh nghiệp v\xe0 nhận dạng bạn cung cấp (bao gồm t\xean doanh nghiệp hợp ph\xe1p, địa chỉ c\xf4ng ty, EIN v\xe0 NMLS ID) l\xe0 ch\xednh x\xe1c, v\xe0 (c) bạn được ủy quyền để r\xe0ng buộc ph\xe1p nh\xe2n doanh nghiệp của m\xecnh với Agreement n\xe0y.","w3legal.msaLicenseGrantBody":"T\xf9y thuộc v\xe0o việc bạn tiếp tục tu\xe2n thủ Agreement n\xe0y, Unified Loan System cấp cho bạn một giấy ph\xe9p kh\xf4ng độc quyền, kh\xf4ng thể chuyển nhượng, c\xf3 thể thu hồi để truy cập v\xe0 sử dụng Service cho c\xe1c mục đ\xedch kinh doanh nội bộ của bạn trong thời hạn. Bạn kh\xf4ng được (a) cấp ph\xe9p lại, b\xe1n lại hoặc khai th\xe1c thương mại Service; (b) đảo ngược kỹ thuật hoặc cố gắng suy ra m\xe3 nguồn; (c) l\xe1ch bất kỳ giới hạn kỹ thuật, giới hạn tốc độ hoặc biện ph\xe1p kiểm so\xe1t bảo mật n\xe0o; hoặc (d) sử dụng Service để vi phạm bất kỳ luật, quy định hoặc quyền của b\xean thứ ba n\xe0o.","w3legal.msaCustomerResponsibilitiesBody":"Bạn ho\xe0n to\xe0n chịu tr\xe1ch nhiệm về (a) t\xednh ch\xednh x\xe1c v\xe0 hợp ph\xe1p của bất kỳ dữ liệu n\xe0o bạn gửi đến Service, bao gồm th\xf4ng tin người vay; (b) việc nhận được tất cả c\xe1c sự đồng \xfd cần thiết từ người vay của bạn trước khi gửi th\xf4ng tin c\xe1 nh\xe2n kh\xf4ng c\xf4ng khai (“NPI”) của họ đến Service; (c) t\xednh bảo mật của th\xf4ng tin đăng nhập t\xe0i khoản của bạn v\xe0 c\xe1c h\xe0nh động của người d\xf9ng được ủy quyền của bạn; (d) việc tu\xe2n thủ tất cả c\xe1c luật cho vay thế chấp li\xean bang v\xe0 tiểu bang \xe1p dụng cho doanh nghiệp của bạn, bao gồm TILA, RESPA, ECOA, SAFE Act v\xe0 c\xe1c quy chế chống cho vay nặng l\xe3i ri\xeang của từng tiểu bang; v\xe0 (e) việc duy tr\xec giấy ph\xe9p NMLS hiện h\xe0nh, đang hoạt động tại mỗi tiểu bang nơi bạn khởi tạo c\xe1c khoản vay th\xf4ng qua Service.","w3legal.msaOnboardingBody":"Trước khi được cấp quyền truy cập production, bạn sẽ phải (a) cung cấp t\xean doanh nghiệp hợp ph\xe1p, địa chỉ c\xf4ng ty, EIN v\xe0 NMLS ID li\xean bang của bạn; (b) k\xfd kết Agreement n\xe0y v\xe0 Data Processing Agreement (“DPA”);

1 v\xe0 (c) vượt qua việc xem x\xe9t trạng th\xe1i giấy ph\xe9p. Unified Loan System thá»±c hiện việc kiểm tra lại tá»± động, li\xean tục trạng th\xe1i giấy ph\xe9p NMLS. Nếu giấy ph\xe9p của bạn trở n\xean kh\xf4ng hoạt động, hết hạn, bị đ\xecnh chỉ, bị thu hồi hoặc kh\xf4ng hoạt động v\xec bất kỳ l\xfd do n\xe0o, kh\xf4ng gian l\xe0m việc của bạn sẽ tá»± động bị đ\xf3ng băng v\xe0 quyền truy cập v\xe0o tất cả c\xe1c t\xednh năng của Service (bao gồm c\xe1c t\xedch hợp của b\xean thứ ba nhÆ° Plaid) sẽ bị đ\xecnh chỉ cho đến khi trạng th\xe1i giấy ph\xe9p được kh\xf4i phục.","w3legal.msaThirdPartyBody":"Service phụ thuộc v\xe0o c\xe1c nh\xe0 cung cấp b\xean thứ ba bao gồm Plaid, Inc., Resend, AWS, OpenAI, Anthropic v\xe0 những b\xean kh\xe1c (gọi chung l\xe0 “Third-Party Services”). Việc sá»­ dụng c\xe1c t\xednh năng t\xedch hợp với Third-Party Services phải tu\xe2n theo c\xe1c điều khoản của b\xean thứ ba \xe1p dụng, bao gồm bất kỳ điều khoản chuyển tiếp (flow-down) n\xe0o được truyền qua theo DPA. Unified Loan System kh\xf4ng đưa ra bảo đảm n\xe0o li\xean quan đến Third-Party Services v\xe0 kh\xf4ng chịu tr\xe1ch nhiệm về t\xednh sẵn c\xf3, t\xednh ch\xednh x\xe1c hoặc c\xe1c h\xe0nh động của ch\xfang.","w3legal.msaFeesBody":"Ph\xed thu\xea bao, c\xe1c khoản ph\xed chuyển tiếp được đo lường v\xe0 bất kỳ khoản ph\xed dá»±a tr\xean mức sá»­ dụng \xe1p dụng n\xe0o đều được m\xf4 tả tr\xean trang gi\xe1 hoặc trong mẫu đặt h\xe0ng được k\xfd kết khi đăng k\xfd. Ph\xed phải được thanh to\xe1n trước cho kỳ thu\xea bao v\xe0 tr\xean cÆ¡ sở t\xednh theo mức sá»­ dụng đối với c\xe1c t\xednh năng được đo lường. Unified Loan System c\xf3 thể đ\xecnh chỉ Service v\xec kh\xf4ng thanh to\xe1n sau khi th\xf4ng b\xe1o trước ba mÆ°Æ¡i (30) ng\xe0y.","w3legal.msaDataOwnershipBody":"Bạn giữ lại tất cả quyền, quyền sở hữu v\xe0 lợi \xedch đối với dữ liệu kh\xe1ch h\xe0ng của bạn v\xe0 bất kỳ dữ liệu n\xe0o bạn gá»­i đến Service. Bạn cấp cho Unified Loan System một giấy ph\xe9p giới hạn để xá»­ l\xfd dữ liệu n\xe0y chỉ trong phạm vi cần thiết để cung cấp Service v\xe0 nhÆ° được m\xf4 tả th\xeam trong DPA. Unified Loan System sẽ kh\xf4ng b\xe1n, cho thu\xea hoặc tiết lộ dữ liệu của bạn ngoại trừ theo y\xeau cầu của ph\xe1p luật hoặc khi được cho ph\xe9p r\xf5 r\xe0ng trong DPA.","w3legal.msaConfidentialityBody":"Mỗi b\xean đồng \xfd (a) bảo vệ Th\xf4ng Tin Bảo Mật của b\xean kia bằng \xedt nhất c\xf9ng ti\xeau chuẩn thận trọng m\xe0 b\xean đ\xf3 sá»­ dụng để bảo vệ Th\xf4ng Tin Bảo Mật c\xf3 tầm quan trọng tÆ°Æ¡ng tá»± của ch\xednh m\xecnh, v\xe0 kh\xf4ng k\xe9m hÆ¡n sá»± thận trọng hợp l\xfd; v\xe0 (b) kh\xf4ng sá»­ dụng Th\xf4ng Tin Bảo Mật ngoại trừ khi cần thiết để thá»±c hiện theo Agreement n\xe0y.","w3legal.msaWarrantiesBody":"Unified Loan System bảo đảm rằng Service sẽ về cÆ¡ bản ph\xf9 hợp với t\xe0i liệu đ\xe3 c\xf4ng bố. NGOẠI TRỪ C\xc1C BẢO ĐẢM R\xd5 R\xc0NG TRONG PHẦN N\xc0Y, SERVICE ĐƯỢC CUNG CẤP “AS IS” V\xc0 UNIFIED LOAN SYSTEM TỪ CHỐI TẤT CẢ C\xc1C BẢO ĐẢM KH\xc1C, R\xd5 R\xc0NG HAY NGỤ \xdd, BAO GỒM C\xc1C BẢO ĐẢM VỀ KHẢ NĂNG B\xc1N ĐƯỢC, Sá»° PH\xd9 HỢP CHO MỘT MỤC Đ\xcdCH CỤ THỂ V\xc0 KH\xd4NG VI PHẠM.","w3legal.msaLiabilityBody":"TRONG PHẠM VI TỐI ĐA ĐƯỢC PH\xc1P LUẬT CHO PH\xc9P, KH\xd4NG B\xcaN N\xc0O PHẢI CHỊU TR\xc1CH NHIỆM VỀ C\xc1C THIỆT HẠI GI\xc1N TIẾP, DO HẬU QUẢ, NGẪU NHI\xcaN HOẶC MANG T\xcdNH TRỪNG PHẠT, HOẶC VỀ LỢI NHUẬN BỊ MẤT HOẶC Dá»® LIỆU BỊ MẤT. TỔNG TR\xc1CH NHIỆM CỦA MỖI B\xcaN THEO AGREEMENT N\xc0Y SẼ KH\xd4NG VƯá

1»¢T QU\xc1 C\xc1C KHOẢN PH\xcd Đ\xc3 ĐƯỢC HOẶC PHẢI ĐƯỢC CUSTOMER THANH TO\xc1N CHO UNIFIED LOAN SYSTEM TRONG MƯỜI HAI (12) TH\xc1NG TRƯỚC Sá»° KIỆN L\xc0M PH\xc1T SINH TR\xc1CH NHIỆM.","w3legal.msaIndemnificationBody":"Qu\xfd vị sẽ bảo vệ v\xe0 bồi thường cho Unified Loan System trước bất kỳ khiếu nại n\xe0o của b\xean thứ ba ph\xe1t sinh từ (a) việc qu\xfd vị vi phạm Thỏa thuận n\xe0y, (b) việc qu\xfd vị vi phạm bất kỳ luật hoặc quy định n\xe0o, (c) dữ liệu qu\xfd vị gá»­i đến Dịch vụ, hoặc (d) việc qu\xfd vị khởi tạo, xá»­ l\xfd hoặc ho\xe0n tất bất kỳ khoản vay n\xe0o. Unified Loan System sẽ bảo vệ qu\xfd vị trước bất kỳ khiếu nại n\xe0o của b\xean thứ ba cho rằng Dịch vụ, nhÆ° được Unified Loan System cung cấp, vi phạm quyền sở hữu tr\xed tuệ tại Hoa Kỳ của một b\xean thứ ba.","w3legal.msaTermBody":"Thỏa thuận n\xe0y bắt đầu khi qu\xfd vị chấp nhận v\xe0 tiếp tục cho đến khi bị chấm dứt. Một trong hai b\xean c\xf3 thể chấm dứt do vi phạm trọng yếu nếu vi phạm đ\xf3 kh\xf4ng được khắc phục trong v\xf2ng ba mÆ°Æ¡i (30) ng\xe0y kể từ khi c\xf3 th\xf4ng b\xe1o bằng văn bản. Unified Loan System c\xf3 thể tạm ngừng hoặc chấm dứt ngay lập tức khi xảy ra sá»± kiện đ\xf3ng băng theo Mục 5, vi phạm Mục 4, hoặc một sá»± cố tu\xe2n thủ hoặc bảo mật đ\xe1ng tin cậy.","w3legal.msaGoverningLawBody":"Thỏa thuận n\xe0y được điều chỉnh bởi luật ph\xe1p của Tiểu bang California, kh\xf4ng x\xe9t đến c\xe1c nguy\xean tắc xung đột luật ph\xe1p. C\xe1c b\xean đồng \xfd chịu thẩm quyền t\xe0i ph\xe1n độc quyền của c\xe1c t\xf2a \xe1n tiểu bang v\xe0 li\xean bang đặt tại Quận San Luis Obispo, California.","w3legal.msaEntireAgreementBody":'Thỏa thuận n\xe0y, c\xf9ng với "DPA", cấu th\xe0nh to\xe0n bộ thỏa thuận giữa c\xe1c b\xean li\xean quan đến Dịch vụ v\xe0 thay thế tất cả c\xe1c thỏa thuận trước đ\xf3. Unified Loan System c\xf3 thể cập nhật Thỏa thuận n\xe0y theo thời gian; c\xe1c cập nhật sẽ được th\xf4ng b\xe1o bằng c\xe1ch đăng phi\xean bản mới với m\xe3 định danh phi\xean bản mới v\xe0 ng\xe0y c\xf3 hiệu lá»±c. Việc qu\xfd vị tiếp tục sá»­ dụng Dịch vụ sau ng\xe0y c\xf3 hiệu lá»±c cấu th\xe0nh sá»± chấp nhận Thỏa thuận đ\xe3 cập nhật.',"w3legal.subProcessorsEyebrow":"Unified Loan System \xb7 Ph\xe1p l\xfd \xb7 Đơn vị xá»­ l\xfd phụ","w3legal.subProcessorsTitle":"Đơn vị xá»­ l\xfd phụ l\xe0 b\xean thứ ba","w3legal.subProcessorsLastUpdated":"Cập nhật lần cuối 2026-05-07.","w3legal.subProcessorsIntro1Before":'C\xe1c b\xean thứ ba được liệt k\xea dưới đ\xe2y l\xe0 c\xe1c đơn vị xá»­ l\xfd phụ được ủy quyền c\xf3 thể Xá»­ l\xfd "Borrower NPI" thay mặt cho kh\xe1ch h\xe0ng của Unified Loan System, li\xean quan đến việc vận h\xe0nh Dịch vụ. Ch\xfang t\xf4i \xe1p đặt cho mỗi đơn vị xá»­ l\xfd phụ c\xe1c nghÄ©a vụ bảo vệ dữ liệu theo hợp đồng kh\xf4ng k\xe9m phần bảo vệ so với c\xe1c nghÄ©a vụ được quy định trong',"w3legal.subProcessorsIntro2":'Ch\xfang t\xf4i sẽ th\xf4ng b\xe1o về bất kỳ đơn vị xá»­ l\xfd phụ mới n\xe0o xá»­ l\xfd "Borrower NPI" trước khi ủy quyền cho họ l\xe0m nhÆ° vậy. Kh\xe1ch h\xe0ng c\xf3 thể phản đối một đơn vị xá»­ l\xfd phụ mới bằng văn bản trong v\xf2ng ba mÆ°Æ¡i (30) ng\xe0y kể từ khi c\xf3 th\xf4ng b\xe1o; nếu ch\xfang t\xf4i kh\xf4ng thể đ\xe1p ứng phản đối đ\xf3 một c\xe1ch hợp l\xfd, kh\xe1ch h\xe0ng c\xf3 thể chấm dứt phần Dịch vụ bị ảnh hưởng.',"w3legal.subProcessorsTheirDpa":"DPA của họ →","w3legal.subProcessorsColPurpose":"Mục đ\xedch","w3legal.subProcessorsColLocation":"Vị tr\xed","w3legal.subProcessorsColDataCategories":"Danh má

1»¥c dữ liệu","w3legal.unsubCatMarketingLabel":"Email tiếp thị","w3legal.unsubCatMarketingDesc":"Email chiến dịch, khuyến m\xe3i v\xe0 bản tin","w3legal.unsubCatTransactionalLabel":"Email giao dịch","w3legal.unsubCatTransactionalDesc":"Cập nhật trạng th\xe1i khoản vay, th\xf4ng b\xe1o t\xe0i liệu","w3legal.unsubCatUpdatesLabel":"Cập nhật sản phẩm","w3legal.unsubCatUpdatesDesc":"Th\xf4ng b\xe1o t\xednh năng v\xe0 tin tức nền tảng","w3legal.unsubInvalidLink":"Li\xean kết kh\xf4ng hợp lệ.","w3legal.unsubCouldNotVerify":"Kh\xf4ng thể x\xe1c minh li\xean kết hủy đăng k\xfd của qu\xfd vị.","w3legal.unsubSelectCategory":"Vui l\xf2ng đ\xe1nh dấu v\xe0o \xf4 ở tr\xean để x\xe1c nhận việc hủy đăng k\xfd.","w3legal.unsubSomethingWrong":"Đ\xe3 xảy ra lỗi.","w3legal.unsubNetworkError":"Lỗi mạng. Vui l\xf2ng thá»­ lại.","w3legal.unsubInvalidTitle":"Li\xean kết hủy đăng k\xfd kh\xf4ng hợp lệ","w3legal.unsubInvalidBody":"Li\xean kết hủy đăng k\xfd n\xe0y kh\xf4ng hợp lệ hoặc đ\xe3 hết hạn. Vui l\xf2ng sá»­ dụng li\xean kết từ email gần đ\xe2y nhất của bạn.","w3legal.unsubVerifying":"Đang x\xe1c minh li\xean kết của bạn...","w3legal.unsubSuccessTitle":"Đ\xe3 cập nhật t\xf9y chọn","w3legal.unsubSuccessBody":"T\xf9y chọn email của bạn đ\xe3 được lÆ°u. Bạn sẽ kh\xf4ng c\xf2n nhận được email cho c\xe1c danh mục đ\xe3 chọn.","w3legal.unsubSuccessNote":"C\xe1c thay đổi c\xf3 thể mất đến 24 giờ để c\xf3 hiệu lá»±c ho\xe0n to\xe0n.","w3legal.unsubFormTitle":"T\xf9y chọn email","w3legal.unsubFormManage":"Quản l\xfd những email bạn nhận được từ ch\xfang t\xf4i. Hủy đăng k\xfd khỏi","w3legal.unsubAllTitle":"Hủy đăng k\xfd email tiếp thị","w3legal.unsubAllDesc":"C\xe1c th\xf4ng b\xe1o về khoản vay của bạn (cập nhật trạng th\xe1i, y\xeau cầu t\xe0i liệu v\xe0 c\xe1c th\xf4ng b\xe1o dịch vụ kh\xe1c) vẫn sẽ được gá»­i.","w3legal.unsubChooseCategories":"Hoặc chọn c\xe1c danh mục cụ thể:","w3legal.unsubReasonLabel":"L\xfd do (kh\xf4ng bắt buộc)","w3legal.unsubReasonPlaceholder":"H\xe3y cho ch\xfang t\xf4i biết l\xfd do bạn hủy đăng k\xfd...","w3legal.unsubSaving":"Đang lÆ°u...","w3legal.unsubUpdate":"Cập nhật t\xf9y chọn","w3legal.unsubCanSpam":"Tu\xe2n thủ CAN-SPAM. Y\xeau cầu của bạn sẽ được xá»­ l\xfd trong v\xf2ng 10 ng\xe0y l\xe0m việc.","w3legal.unsubLoading":"Đang tải...","w3legal.glbaTitle":"Ch\xednh s\xe1ch bảo mật th\xf4ng tin về c\xe1c biện ph\xe1p bảo vệ GLBA","w3legal.glbaEffective":"C\xf3 hiệu lá»±c từ ng\xe0y 2026-05-16.","w3legal.glbaTocScope":"1. Phạm vi v\xe0 luật \xe1p dụng","w3legal.glbaTocQualifiedIndividual":"2. C\xe1 nh\xe2n Đủ ti\xeau chuẩn","w3legal.glbaTocRiskAssessment":"3. Đ\xe1nh gi\xe1 Rủi ro","w3legal.glbaTocAccessControls":"4. Kiểm so\xe1t Truy cập","w3legal.glbaTocInventory":"5. Kiểm k\xea Th\xf4ng tin","w3legal.glbaTocEncryption":"6. M\xe3 h\xf3a","w3legal.glbaTocSecureDevelopment":"7. Ph\xe1t triển An to\xe0n","w3legal.glbaTocMfa":"8. X\xe1c thá»±c Đa yếu tố","w3legal.glbaTocDisposal":"9. Ti\xeau hủy Th\xf4ng tin","w3legal.glbaTocChangeManagement":"10. Quản l\xfd Thay đổi","w3legal.glbaTocMonitoring":"11. Gi\xe1m s\xe1t v\xe0 Ghi nhật k\xfd","w3legal.glbaTocTraining":"12. Đ\xe0o tạo Nh\xe2n sá»±","w3legal.glbaTocServiceProviders":"13. Gi\xe1m s\xe1t Nh\xe0 cung cấp Dịch vụ","w3legal.glbaTocEvaluation":"14. Đ\xe1nh gi\xe1 Định kỳ","w3legal.glbaTocIncidentResponse":"15. Ứng ph\xf3 Sá»± cố","w3legal.glbaTocReporting":"16. B\xe1o c\xe1o H\xe0ng năm","w3legal.glbaScopeBody":"Ch\xednh s\xe1ch Bảo mật Th\xf4ng tin n\xe0y (“Policy”) thá»±c hiện chÆ°Æ¡ng tr\xecnh bảo mật th\xf4ng tin bằng văn bản to\xe0n diện của Unified Loan System theo y\xeau cầu của Safeguards Rule của Ủy ban ThÆ°Æ¡ng mại Li\xean bang chiếu theo Gramm-Leach-Bliley Act, 16 C.F.R. Part 314 (“Safeguards Rule”). Ch\xednh s\xe1ch n\xe0y \xe1p dụng cho mọi th\xf4ng tin c\xe1 nh\xe2n kh\xf4ng c\xf4ng khai (“NPI”) m\xe0 Unified Loan System Xá»­ l\xfd thay mặt cho c\xe1c b\xean thu\xea m\xf4i giới của m\xecnh li\xean quan đến Dịch vụ. Mỗi b\xean thu\xea m\xf4i giới l\xe0 một “financial institution” theo Safeguards Rule v\xe0 chịu tr\xe1ch nhiệm về chÆ°Æ¡ng tr\xecnh bảo mật th\xf4ng tin bằng văn bản của ri\xeang m\xecnh; Policy n\xe0y điều chỉnh lớp nền tảng của việc bảo vệ NPI.","w3legal.glbaQualifiedIndividualBody":"Unified Loan System chỉ định một 

1C\xe1 nh\xe2n Đủ ti\xeau chuẩn chịu tr\xe1ch nhiệm gi\xe1m s\xe1t, triển khai v\xe0 thực thi Policy n\xe0y. C\xe1 nh\xe2n Đủ ti\xeau chuẩn b\xe1o c\xe1o định kỳ cho cơ quan quản trị của Unified Loan System (người s\xe1ng lập, trong trường hợp ph\xe1p nh\xe2n một th\xe0nh vi\xean) về t\xecnh trạng của chương tr\xecnh bảo mật. T\xednh đến ng\xe0y c\xf3 hiệu lực, C\xe1 nh\xe2n Đủ ti\xeau chuẩn l\xe0 người s\xe1ng lập của Unified Loan System; tr\xe1ch nhiệm n\xe0y c\xf3 thể được t\xe1i ph\xe2n c\xf4ng bằng văn bản.","w3legal.glbaRiskAssessmentBody":"Unified Loan System thực hiện v\xe0 lập th\xe0nh văn bản một đ\xe1nh gi\xe1 rủi ro bằng văn bản \xedt nhất h\xe0ng năm, v\xe0 bất cứ khi n\xe0o một thay đổi quan trọng trong hoạt động c\xf3 thể ảnh hưởng đến t\xednh bảo mật của NPI. Đ\xe1nh gi\xe1 x\xe1c định c\xe1c rủi ro nội bộ v\xe0 b\xean ngo\xe0i c\xf3 thể dự đo\xe1n một c\xe1ch hợp l\xfd đối với t\xednh bảo mật, t\xednh ri\xeang tư v\xe0 t\xednh to\xe0n vẹn của NPI; đ\xe1nh gi\xe1 mức độ đầy đủ của c\xe1c biện ph\xe1p bảo vệ hiện c\xf3 để kiểm so\xe1t c\xe1c rủi ro đ\xf3; v\xe0 được sử dụng để sửa đổi Policy n\xe0y khi cần thiết. Kết quả đ\xe1nh gi\xe1 rủi ro được lưu giữ \xedt nhất năm (5) năm.","w3legal.glbaAccessControlsBody":"Quyền truy cập v\xe0o NPI bị giới hạn tr\xean cơ sở đặc quyền tối thiểu v\xe0 cần phải biết. Truy cập m\xf4i trường sản xuất đ\xf2i hỏi danh t\xednh đ\xe3 được x\xe1c thực (SSO hoặc th\xf4ng tin x\xe1c thực được hỗ trợ bằng kh\xf3a phần cứng), sự cho ph\xe9p được cấp r\xf5 r\xe0ng bởi C\xe1 nh\xe2n Đủ ti\xeau chuẩn, v\xe0 n\xe2ng quyền c\xf3 giới hạn thời gian đối với c\xe1c thao t\xe1c nhạy cảm. Sự c\xf4 lập ở cấp độ b\xean thu\xea trong nền tảng đảm bảo rằng nh\xe2n sự của một b\xean thu\xea m\xf4i giới kh\xf4ng thể truy cập NPI của b\xean thu\xea kh\xe1c. Quyền truy cập được xem x\xe9t \xedt nhất s\xe1u (6) th\xe1ng một lần v\xe0 bị thu hồi khi thay đổi vai tr\xf2 hoặc khi chấm dứt.","w3legal.glbaInventoryBody":"Unified Loan System duy tr\xec một bản kiểm k\xea c\xe1c hệ thống Thu thập, Lưu trữ, Xử l\xfd, Truyền tải hoặc Ti\xeau hủy NPI. Bản kiểm k\xea x\xe1c định hệ thống, c\xe1c loại NPI được xử l\xfd, luồng dữ liệu, loại lưu giữ v\xe0 chủ sở hữu chịu tr\xe1ch nhiệm. Bản kiểm k\xea được r\xe0 so\xe1t \xedt nhất hằng năm v\xe0 được cập nhật khi c\xf3 thay đổi trọng yếu.","w3legal.glbaEncryptionBody":"NPI được m\xe3 h\xf3a trong qu\xe1 tr\xecnh truyền tải v\xe0 khi lưu trữ bằng c\xe1c thuật to\xe1n ti\xeau chuẩn ng\xe0nh (TLS 1.2 trở l\xean đối với truyền tải; AES-256 hoặc tương đương đối với lưu trữ). C\xe1c kh\xf3a m\xe3 h\xf3a được quản l\xfd th\xf4ng qua dịch vụ kh\xf3a được quản l\xfd của nh\xe0 cung cấp đ\xe1m m\xe2y, với việc truy cập được ghi nhật k\xfd v\xe0 kiểm to\xe1n. Khi việc m\xe3 h\xf3a c\xe1c trường dữ liệu cụ thể l\xe0 kh\xf4ng khả thi, Qualified Individual ph\xea duyệt v\xe0 lập văn bản về việc sử dụng c\xe1c biện ph\xe1p kiểm so\xe1t b\xf9 trừ thay thế hiệu quả.","w3legal.glbaSecureDevelopmentBody":"Việc ph\xe1t triển phần mềm tu\xe2n theo c\xe1c th\xf4ng lệ lập tr\xecnh an to\xe0n, bao gồm r\xe0 so\xe1t m\xe3, ph\xe2n t\xedch tĩnh, qu\xe9t lỗ hổng phụ thuộc v\xe0 kiểm thử trước khi triển khai. Việc triển khai sản xuất được kiểm so\xe1t phi\xean bản, được r\xe0 so\xe1t v\xe0 ph\xea duyệt. C\xe1c thư viện b\xean thứ ba được kiểm k\xea v\xe0 theo d\xf5i để ph\xe1t hiện c\xe1c cảnh b\xe1o.","w3legal.glbaMfaBody":"Y\xeau cầu x\xe1c thực đa yếu tố đối với bất kỳ c\xe1 nh\xe2n n\xe0o truy cập NPI thay mặt cho Unified Loan System, ngoại trừ khi Qualified Indiv

1idual ph\xea duyệt v\xe0 lập văn bản về việc sử dụng c\xe1c biện ph\xe1p kiểm so\xe1t truy cập tương đương hợp l\xfd hoặc an to\xe0n hơn. Y\xeau cầu x\xe1c thực dựa tr\xean kh\xf3a phần cứng đối với truy cập quản trị hệ thống sản xuất.","w3legal.glbaDisposalBody":"NPI được ti\xeau hủy một c\xe1ch an to\xe0n kh\xf4ng muộn hơn hai (2) năm sau ng\xe0y cuối c\xf9ng th\xf4ng tin được sử dụng li\xean quan đến Dịch vụ, trừ khi ph\xe1p luật hiện h\xe0nh, nhu cầu kinh doanh ch\xednh đ\xe1ng y\xeau cầu phải lưu giữ, hoặc theo thỏa thuận kh\xe1c trong MSA hoặc DPA. C\xe1c quy tr\xecnh ti\xeau hủy l\xe0m cho th\xf4ng tin kh\xf4ng thể đọc được, kh\xf4ng thể giải m\xe3 v\xe0 kh\xf4ng thể t\xe1i tạo.","w3legal.glbaChangeManagementBody":"C\xe1c thay đổi trọng yếu đối với hệ thống th\xf4ng tin của nền tảng được đ\xe1nh gi\xe1 theo Ch\xednh s\xe1ch n\xe0y trước khi triển khai. C\xe1c thay đổi đối với c\xe1c th\xe0nh phần xử l\xfd NPI y\xeau cầu sự ph\xea duyệt của Qualified Individual. C\xe1c thay đổi sản xuất được kiểm so\xe1t phi\xean bản k\xe8m theo th\xf4ng tin quy g\xe1n, dấu thời gian v\xe0 lộ tr\xecnh ho\xe0n nguy\xean.","w3legal.glbaMonitoringBody":"Unified Loan System gi\xe1m s\xe1t hoạt động của những người d\xf9ng được ủy quyền truy cập NPI v\xe0 ghi nhật k\xfd c\xe1c sự kiện bảo mật v\xe0 truy cập quan trọng. Nhật k\xfd được lưu giữ \xedt nhất một (1) năm v\xe0 được Qualified Individual r\xe0 so\xe1t định kỳ để ph\xe1t hiện bất thường. Dịch vụ duy tr\xec c\xe1c dấu vết kiểm to\xe1n đối với c\xe1c thao t\xe1c truy cập NPI ở cấp đối t\xe1c m\xf4i giới (broker-tenant) để c\xe1c đối t\xe1c c\xf3 thể phản hồi c\xe1c y\xeau cầu ph\xe1p l\xfd của ri\xeang họ.","w3legal.glbaTrainingBody":"Tất cả nh\xe2n sự của Unified Loan System c\xf3 quyền truy cập NPI đều được đ\xe0o tạo n\xe2ng cao nhận thức bảo mật v\xe0o thời điểm tuyển dụng v\xe0 hằng năm sau đ\xf3. Qualified Individual đ\xe1nh gi\xe1 t\xednh đầy đủ v\xe0 t\xednh cập nhật của chương tr\xecnh đ\xe0o tạo trước c\xe1c rủi ro đang thay đổi.","w3legal.glbaServiceProvidersBody":"Unified Loan System lựa chọn c\xe1c nh\xe0 cung cấp dịch vụ c\xf3 khả năng duy tr\xec c\xe1c biện ph\xe1p bảo vệ ph\xf9 hợp đối với NPI; y\xeau cầu c\xe1c nh\xe0 cung cấp dịch vụ th\xf4ng qua hợp đồng triển khai v\xe0 duy tr\xec c\xe1c biện ph\xe1p bảo vệ đ\xf3; v\xe0 đ\xe1nh gi\xe1 định kỳ c\xe1c nh\xe0 cung cấp dịch vụ dựa tr\xean rủi ro m\xe0 họ đem lại cũng như t\xednh đầy đủ li\xean tục của c\xe1c biện ph\xe1p bảo vệ của họ. Danh s\xe1ch hiện tại của c\xe1c đơn vị xử l\xfd phụ được duy tr\xec tại","w3legal.glbaEvaluationBody":"Qualified Individual đ\xe1nh gi\xe1 Ch\xednh s\xe1ch n\xe0y \xedt nhất hằng năm, v\xe0 khi c\xf3 thay đổi trọng yếu đối với hoạt động của nền tảng hoặc m\xf4i trường mối đe dọa. C\xe1c điều chỉnh được lập văn bản v\xe0 truyền đạt đến nh\xe2n sự li\xean quan.","w3legal.glbaIncidentResponseBody":"Unified Loan System duy tr\xec một kế hoạch ứng ph\xf3 sự cố bằng văn bản với c\xe1c th\xe0nh phần sau: quy tr\xecnh ứng ph\xf3 nội bộ; vai tr\xf2 v\xe0 tr\xe1ch nhiệm; truyền th\xf4ng b\xean ngo\xe0i v\xe0 nội bộ; y\xeau cầu về lập văn bản v\xe0 b\xe1o c\xe1o; v\xe0 đ\xe1nh gi\xe1, khắc phục sau sự cố. Sau một Sự cố Bảo mật ảnh hưởng đến NPI, Unified Loan System th\xf4ng b\xe1o cho c\xe1c đối t\xe1c m\xf4i giới bị ảnh hưởng theo y\xeau cầu của DPA m\xe0 kh\xf4ng c\xf3 sự chậm trễ kh\xf4ng đ\xe1ng c\xf3, v\xe0 hỗ trợ c\xe1c đối t\xe1c thực hiện c\xe1c nghĩa vụ th\xf4ng b\xe1o ph\xe1p l\xfd v\xe0 th\xf4ng b\xe1o cho người vay ở ph\xeda sau.","w3legal.glbaReportingBody":"Qualified Indiv

1idual lập một b\xe1o c\xe1o bằng văn bản \xedt nhất hằng năm gá»­i đến cÆ¡ quan quản trị của Unified Loan System, bao gồm: t\xecnh trạng tổng thể của chÆ°Æ¡ng tr\xecnh bảo mật th\xf4ng tin; c\xe1c vấn đề trọng yếu li\xean quan đến chÆ°Æ¡ng tr\xecnh (bao gồm đ\xe1nh gi\xe1 rủi ro, kết quả kiểm thá»­ v\xe0 gi\xe1m s\xe1t, c\xe1c sá»± kiện bảo mật, c\xe1c khuyến nghị thay đổi chÆ°Æ¡ng tr\xecnh); v\xe0 bất kỳ thỏa thuận n\xe0o với nh\xe0 cung cấp dịch vụ cần được ch\xfa \xfd.","w3legal.smsEntityLine":"Unified Loan System, một DBA của California Mortgage Solutions, Inc.  \xb7  Cập nhật lần cuối: ng\xe0y 9 th\xe1ng 6 năm 2026.","w3legal.smsOptInTitle":"Đăng k\xfd v\xe0 đồng \xfd nhận SMS","w3legal.smsOptInIntroBefore":"Đ\xe2y l\xe0 phần đăng k\xfd nhận SMS được hiển thị cho người vay trong qu\xe1 tr\xecnh đăng k\xfd t\xe0i khoản tại","w3legal.smsOptInIntroMiddle":"— ở bước cuối c\xf9ng “Xem lại & chấp nhận”, ngay b\xean dưới trường số điện thoại — v\xe0 trong đơn xin vay (Bước 10, “Tiết lộ & Đồng \xfd”). Việc đồng \xfd nhận tin nhắn văn bản l\xe0","w3legal.smsOptInOptional":"t\xf9y chọn","w3legal.smsOptInIntroComma":", c\xe1c \xf4 được","w3legal.smsOptInUnchecked":"kh\xf4ng được chọn theo mặc định","w3legal.smsOptInIntroAnd":", v\xe0 việc n\xe0y l\xe0","w3legal.smsOptInNotRequired":"kh\xf4ng bắt buộc","w3legal.smsOptInIntroAfter":"để tạo t\xe0i khoản hoặc sá»­ dụng dịch vụ.","w3legal.smsOptInAgreeHeading":"Những điều bạn đang đồng \xfd","w3legal.smsOptInAgreeBody1":"Khi bạn cung cấp số điện thoại di động của m\xecnh trong qu\xe1 tr\xecnh đăng k\xfd t\xe0i khoản (hoặc trong đơn xin vay của bạn) v\xe0 đ\xe1nh dấu một hoặc nhiều \xf4 n\xe0y, bạn đồng \xfd nhận c\xe1c tin nhắn văn bản SMS giao dịch định kỳ từ Unified Loan System (California Mortgage Solutions, Inc.) cho c\xe1c danh mục m\xe0 bạn chọn — v\xed dụ nhÆ° m\xe3 bảo mật/đăng nhập một lần, cập nhật trạng th\xe1i khoản vay, v\xe0 nhắc nhở về t\xe0i liệu, kết th\xfac giao dịch v\xe0 k\xfd điện tá»­.","w3legal.smsOptInAgreeBody2Before":"Tần suất tin nhắn thay đổi theo danh mục v\xe0 theo hoạt động tr\xean hồ sÆ¡ khoản vay của bạn (thường l\xe0 2–15 tin nhắn mỗi th\xe1ng cho mỗi danh mục).","w3legal.smsOptInReplyBefore":"Trả lời","w3legal.smsOptInReplyHelp":"để được trợ gi\xfap hoặc","w3legal.smsOptInReplyAfter":"để hủy bất cứ l\xfac n\xe0o. C\xe1c nh\xe0 mạng kh\xf4ng chịu tr\xe1ch nhiệm về c\xe1c tin nhắn bị trễ hoặc kh\xf4ng được gá»­i. Ch\xfang t\xf4i kh\xf4ng gá»­i tin nhắn tiếp thị hoặc quảng c\xe1o, v\xe0 ch\xfang t\xf4i kh\xf4ng bao giờ b\xe1n, cho thu\xea hoặc chia sẻ số điện thoại di động hoặc dữ liệu đăng k\xfd SMS của bạn cho b\xean thứ ba.","w3legal.smsFullTerms":"Điều khoản SMS đầy đủ","w3legal.smsRatesMayApply":"C\xf3 thể \xe1p dụng cước tin nhắn v\xe0 dữ liệu.","w3legal.smsTermsTitle":"Điều khoản về li\xean lạc qua SMS","w3legal.smsTermsTocWhoSends":"1. Ai gá»­i những tin nhắn n\xe0y","w3legal.smsTermsTocCategories":"2. C\xe1c danh mục tin nhắn","w3legal.smsTermsTocOptIn":"3. C\xe1ch bạn đăng k\xfd nhận tin","w3legal.smsTermsTocFrequency":"4. Tần suất tin nhắn","w3legal.smsTermsTocOptOut":"5. Từ kh\xf3a để hủy đăng k\xfd v\xe0 trợ gi\xfap","w3legal.smsTermsTocRates":"6. Cước tin nhắn v\xe0 dữ liệu","w3legal.smsTermsTocCarriers":"7. C\xe1c nh\xe0 mạng được hỗ trợ v\xe0 việc gá»­i tin","w3legal.smsTermsTocPrivacy":"8. Quyền ri\xeang tÆ°","w3legal.smsTermsTocChanges":"9. C\xe1c thay đổi đối với những điều khoản n\xe0y","w3legal.smsTermsTocContact":"10. Li\xean hệ","w3legal.smsWhoSendsBody":"C\xe1c tin nhắn SMS từ Unified Loan System được gá»­i bởi California Mortgage Solutions, Inc. (hoạt động dưới t\xean thÆ°Æ¡ng mại “Unified Loan System”), một c\xf4ng ty m\xf4i giới thế chấp được cấp ph\xe9p tại California. C\xe1c tin nhắn bắt nguồn từ những số điện thoại đ\xe3 được đăng k\xfd v\xe0 x\xe1c minh với nh\xe0 cung cấp dịch vụ viễn th\xf4ng của ch\xfang t\xf4i, Twilio Inc.","w3legal.smsCategoriesIntro":"Unified Loan System vận h\xe0nh ba chÆ°Æ¡ng tr\xecnh SMS độc lập. Mỗi chÆ°Æ¡ng tr\xecnh y\xeau cầu sá»± đồng \xfd tham gia x\xe1c nhận ri\xeang được ghi nhận khi đăng k\xfd t\xe0i khoản hoặc trong đơn xin vay của bạn. Bạn c\xf3 thể chọn tham gia bất kỳ sá»± kết hợp n\xe0o trong số đ\xf3 (hoặc kh\xf4ng chọn chÆ°Æ¡ng tr\xecnh n\xe0o).","w3legal.smsCategoriesItem1Label":"Tin nhắn bảo mật v\xe0 x\xe1c thá»±c.","w3legal.smsCategoriesItem1Body":"M\xe3 2FA, cảnh b\xe1o bảo mật t\xe0i khoản v\xe0 tin nhắn bảo mật. Tần suất điển h\xecnh: 5-10 tin nhắn mỗi th\xe1ng.","w3legal.smsCategoriesItem2Label":"Trạng th\xe1i khoản vay v\xe0 cập nhật vận h\xe0nh.","w3legal.smsCategoriesItem2Body":"Th\xf4ng b\xe1o trạng th\xe1i khoản vay, y\xeau cầu t\xe0i liệu v\xe0 th\xf4ng tin li\xean lạc của b\xean cho vay về hồ sÆ¡ vay đang hoạt động của bạn. Tần suất điển h\xecnh: 5-15 tin nhắn mỗi th\xe1ng.","w3legal.smsCategoriesItem3Label":"Nhắc nhở về t\xe0i liệu, đ\xf3ng giao dịch v\xe0 k\xfd điện tá»­.","w3legal.smsCategoriesItem3Body":"Y\xeau cầu k\xfd điện tá»­, nhắc nhở về ng\xe0y đ\xf3ng giao dịch v\xe0 th\xf4ng b\xe1o k\xfd t\xe0i liệu. Tần suất điển h\xecnh: 2-8 tin nhắn mỗi th\xe1ng.","w3legal.smsCategoriesIndependentBefore":"Mỗi chÆ°Æ¡ng tr\xecnh l\xe0 độc lập. Nhắn tin","w3legal.smsCategoriesIndependentAfter":"sẽ thu hồi cả ba c\xf9ng một l\xfac, v\xe0 n\xfat bật/tắt SMS trong C\xe0i đặt → Th\xf4ng b\xe1o sẽ tạm dừng tất cả tin nhắn văn bản đến số của bạn. Để thay đổi một danh má

1»¥c ri\xeang lẻ, h\xe3y li\xean hệ","w3legal.smsCategoriesBroker":"T\xe0i khoản m\xf4i giới (broker) c\xf3 c\xe1c danh mục t\xf9y chọn tÆ°Æ¡ng tá»±, được thu thập theo c\xf9ng c\xe1ch khi đăng k\xfd m\xf4i giới: bảo mật v\xe0 x\xe1c thá»±c (5-10/th\xe1ng), hoạt động kh\xf4ng gian l\xe0m việc v\xe0 quy tr\xecnh (10-25/th\xe1ng), v\xe0 hoạt động t\xe0i khoản v\xe0 t\xe0i liệu (2-8/th\xe1ng).","w3legal.smsCategoriesNoMarketingLabel":"Ch\xfang t\xf4i kh\xf4ng gá»­i SMS tiếp thị hoặc quảng c\xe1o.","w3legal.smsCategoriesNoMarketingBody":"Ch\xfang t\xf4i kh\xf4ng chia sẻ số điện thoại của bạn với b\xean thứ ba hoặc b\xean li\xean kết cho mục đ\xedch tiếp thị ri\xeang của họ.","w3legal.smsOptInIntro":"Bạn chỉ nhận được SMS từ Unified Loan System sau khi đồng \xfd tham gia một c\xe1ch r\xf5 r\xe0ng v\xe0 x\xe1c nhận. Việc đồng \xfd tham gia được ghi nhận theo một trong c\xe1c c\xe1ch sau:","w3legal.smsOptInSignupLabel":"Trong qu\xe1 tr\xecnh đăng k\xfd t\xe0i khoản","w3legal.smsOptInAtPrefix":"tại","w3legal.smsOptInOr":"hoặc","w3legal.smsOptInSignupAfter":", bằng c\xe1ch đ\xe1nh dấu v\xe0o \xf4 đồng \xfd cho ph\xe9p Unified Loan System gá»­i SMS giao dịch đến số điện thoại bạn cung cấp.","w3legal.smsOptInApplyLabel":"Trong qu\xe1 tr\xecnh nộp đơn xin vay","w3legal.smsOptInApplyAfter":", Bước 10 (“Tiết lộ & Đồng \xfd”), nÆ¡i xuất hiện c\xf9ng ba \xf4 đ\xe1nh dấu danh mục t\xf9y chọn — mỗi danh mục bạn đ\xe1nh dấu sẽ ghi nhận sá»± đồng \xfd SMS độc lập ri\xeang của n\xf3.","w3legal.smsOptInOtherPurpose":"Số điện thoại được thu thập cho bất kỳ mục đ\xedch n\xe0o kh\xe1c (v\xed dụ: th\xf4ng tin li\xean hệ cho nh\xe2n vi\xean cho vay của bạn) sẽ kh\xf4ng được đăng k\xfd v\xe0o SMS cho đến khi bạn đồng \xfd tham gia ri\xeang.","w3legal.smsFrequencyBody":"Tần suất tin nhắn thay đổi theo danh mục. Xem Mục 2 ở tr\xean để biết c\xe1c phạm vi điển h\xecnh theo từng danh mục (Bảo mật v\xe0 x\xe1c thá»±c: 5-10/th\xe1ng; Trạng th\xe1i khoản vay v\xe0 cập nhật vận h\xe0nh: 5-15/th\xe1ng; Nhắc nhở về t\xe0i liệu, đ\xf3ng giao dịch v\xe0 k\xfd điện tá»­: 2-8/th\xe1ng). Tổng khối lượng h\xe0ng th\xe1ng của bạn phụ thuộc v\xe0o c\xe1c danh mục bạn đ\xe3 chọn tham gia v\xe0 hoạt động trong hồ sÆ¡ vay của bạn. M\xe3 x\xe1c thá»±c chỉ được gá»­i khi bạn khởi tạo đăng nhập hoặc một h\xe0nh động nhạy cảm.","w3legal.smsOptOutIntro":"Bạn c\xf3 thể chọn ngừng nhận bất cứ l\xfac n\xe0o bằng c\xe1ch trả lời bằng bất kỳ từ kh\xf3a n\xe0o sau đ\xe2y cho bất kỳ tin nhắn SMS n\xe0o bạn nhận được từ Unified Loan System:","w3legal.smsOptOutAfterStopBefore":"Sau khi bạn gá»­i từ kh\xf3a STOP, bạn sẽ nhận được một tin nhắn x\xe1c nhận cuối c\xf9ng v\xe0 sẽ kh\xf4ng c\xf3 tin nhắn SMS n\xe0o kh\xe1c được gá»­i đến số đ\xf3 cho đến khi bạn đăng k\xfd lại. Để đăng k\xfd lại, h\xe3y trả lời bằng","w3legal.smsOptOutReplyBefore":"Trả lời","w3legal.smsOptOutReplyMiddle":"bất cứ l\xfac n\xe0o để nhận th\xf4ng tin hỗ trợ, hoặc truy cập","w3legal.smsOptOutReplyEmail":"Bạn cÅ©ng c\xf3 thể gá»­i email đến","w3legal.smsOptOutImportantLabel":"Quan trọng:","w3legal.smsOptOutImportantBody":"việc ngừng nhận SMS kh\xf4ng c\xf3 nghÄ©a l\xe0 bạn ngừng nhận email hoặc th\xf4ng b\xe1o trong ứng dụng, v\xe0 kh\xf4ng ảnh hưởng đến hồ sÆ¡ khoản vay cÆ¡ bản. Một số quy tr\xecnh x\xe1c thá»±c c\xf3 thể y\xeau cầu bạn sá»­ dụng phÆ°Æ¡ng thức thay thế (v\xed dụ: ứng dụng x\xe1c thá»±c hoặc m\xe3 qua email) nếu SMS bị tắt.","w3legal.smsRatesBody":"Unified Loan System kh\xf4ng t\xednh ph\xed cho SMS, nhÆ°ng nh\xe0 mạng kh\xf4ng d\xe2y của bạn c\xf3 thể t\xednh ph\xed cho c\xe1c tin nhắn nhận hoặc gá»­i t\xf9y theo g\xf3i cước của bạn. H\xe3y li\xean hệ với nh\xe0 mạng của bạn để biết chi tiết về cước ph\xed nhắn tin của g\xf3i cước.","w3legal.smsCarriersBody":"Unified Loan System hỗ trợ gá»­i SMS đến tất cả c\xe1c nh\xe0 mạng kh\xf4ng d\xe2y lớn của Hoa Kỳ, bao gồm AT&T, Verizon, T-Mobile, US Cellular, Sprint, Boost Mobile, MetroPCS v\xe0 những nh\xe0 mạng kh\xe1c. C\xe1c nh\xe0 mạng kh\xf4ng chịu tr\xe1ch nhiệm về c\xe1c tin nhắn bị trễ hoặc kh\xf4ng được gá»­i đến. Việc gá»­i bất kỳ tin nhắn ri\xeang lẻ n\xe0o kh\xf4ng được bảo đảm.","w3legal.smsPrivacyBefore":"Số điện thoại v\xe0 trạng th\xe1i đăng k\xfd SMS được coi l\xe0 th\xf4ng tin c\xe1 nh\xe2n theo","w3legal.smsPrivacyAfter":"Ch\xfang t\xf4i kh\xf4ng b\xe1n, cho thu\xea hoặc chia sẻ số điện thoại, dữ liệu đăng k\xfd hoặc nội dung SMS với b\xean thứ ba cho mục đ\xedch tiếp thị của họ. Số điện thoại chỉ được chia sẻ với nh\xe0 cung cấp dịch vụ gá»­i SMS của ch\xfang t\xf4i (Twilio) ho\xe0n to\xe0n nhằm mục đ\xedch gá»­i c\xe1c tin nhắn m\xe0 bạn đ\xe3 đăng k\xfd nhận.","w3legal.smsChangesBody":"Ch\xfang t\xf4i c\xf3 thể cập nhật c\xe1c Điều khoản SMS n\xe0y theo thời gian. C\xe1c thay đổi quan trọng sẽ được phản \xe1nh trong ng\xe0y “Last Updated” ở tr\xean. Việc t

1iếp tục đăng k\xfd SMS sau khi c\xf3 thay đổi đồng nghĩa với việc chấp nhận c\xe1c điều khoản đ\xe3 cập nhật. Nếu ch\xfang t\xf4i thay đổi đ\xe1ng kể c\xe1c loại tin nhắn m\xe0 ch\xfang t\xf4i gửi, bạn sẽ nhận được th\xf4ng b\xe1o trong ứng dụng hoặc qua email v\xe0 c\xf3 thể cần x\xe1c nhận lại việc đăng k\xfd của m\xecnh.","w3legal.smsContactIntro":"C\xe1c c\xe2u hỏi về c\xe1c Điều khoản SMS n\xe0y hoặc về c\xe1c tin nhắn bạn đ\xe3 nhận được từ Unified Loan System:","w3legal.smsContactEmailLabel":"Email:","w3legal.smsContactWebLabel":"Web:","w3legal.smsContactEntity":"Đơn vị vận h\xe0nh: California Mortgage Solutions, Inc., San Luis Obispo, CA","w3legal.smsSeeAlsoOur":"Xem th\xeam","w3info.changelog.eyebrow":"Nhật k\xfd thay đổi","w3info.changelog.heroPre":"C\xf3 g\xec mới trong","w3info.changelog.heroSub":"Mỗi bản ph\xe1t h\xe0nh, mỗi cải tiến. Ch\xfang t\xf4i triển khai nhanh v\xe0 ghi lại mọi thứ.","w3info.changelog.date.may2026":"Th\xe1ng 5 năm 2026","w3info.changelog.date.apr2026":"Th\xe1ng 4 năm 2026","w3info.changelog.tag.major":"Bản ph\xe1t h\xe0nh lớn","w3info.changelog.tag.feature":"T\xednh năng mới","w3info.changelog.tag.infra":"Hạ tầng","w3info.changelog.tag.fix":"Sửa lỗi","w3info.changelog.v32.title":"Truy vấn t\xedn dụng Tri-Merge + Ph\xe2n t\xedch b\xe1o c\xe1o t\xedn dụng bằng AI","w3info.changelog.v32.item1":"Truy vấn t\xedn dụng tri-merge trực tiếp qua SoftPro/FactualData với điểm số thực từ c\xe1c cơ quan t\xedn dụng","w3info.changelog.v32.item2":"Bản tường thuật t\xedn dụng do AI tạo ra hiển thị trực tiếp trong hồ sơ khoản vay","w3info.changelog.v32.item3":"Tiện \xedch bảng điều khiển t\xedn dụng với t\xf3m tắt hạn mức t\xedn dụng v\xe0 cảnh b\xe1o th\xf4ng tin bất lợi","w3info.changelog.v32.item4":"Cổng x\xe1c thực proxy AI quản trị — tất cả c\xe1c endpoint AI hiện y\xeau cầu phi\xean hợp lệ","w3info.changelog.v31.title":"eSign nội bộ v1 — Trực tiếp từ đầu đến cuối","w3info.changelog.v31.item1":"eSign nội bộ tu\xe2n thủ PAdES — kh\xf4ng t\xednh ph\xed DocuSign cho mỗi phong b\xec","w3info.changelog.v31.item2":"Lịch sử kiểm to\xe1n của người vay: IP, dấu thời gian, c\xe1c trường đ\xe3 k\xfd được ghi lại theo từng sự kiện","w3info.changelog.v31.item3":"Chứng chỉ k\xfd d\xe0nh cho ph\xe1t triển đang hoạt động trong m\xf4i trường sản xuất; đường dẫn chứng chỉ DigiCert được ghi lại để chuyển giao cho nh\xe0 đầu tư","w3info.changelog.v31.item4":"PDF.js worker được ghim — bảo vệ chống tệp 0 byte tr\xean tất cả t\xe0i liệu được tải l\xean","w3info.changelog.v31.item5":"Đ\xe3 kiểm tra smoke-test: phong b\xec af503135 được k\xfd tr\xean khoản vay c7eb5d59","w3info.changelog.v30.title":"Tăng cường bảo mật — Ra mắt ba tầng","w3info.changelog.v30.item1":"Kh\xf3a t\xe0i khoản, kiểm tra r\xf2 rỉ HIBP, MFA cho broker, cảnh b\xe1o qua email khi c\xf3 thiết bị mới","w3info.changelog.v30.item2":"C\xe2u hỏi bảo mật, r\xe0ng buộc phi\xean theo IP/UA, x\xe1c thực n\xe2ng cao cho c\xe1c trường nhạy cảm","

1w3info.changelog.v30.item3":"Passkeys (WebAuthn) qua @simplewebauthn — hỗ trợ đầy đủ tr\xean tr\xecnh duyệt","w3info.changelog.v30.item4":"Bảng điều khiển Đăng nhập gần đ\xe2y + Đăng xuất khỏi mọi nơi + cảnh b\xe1o di chuyển bất khả thi","w3info.changelog.v30.item5":"Hết thời gian chờ khi kh\xf4ng hoạt động + giao diện nhật k\xfd kiểm to\xe1n quản trị tại /admin/audit","w3info.changelog.v29.title":"Thu nhập ng\xe2n h\xe0ng Plaid + M\xe1y qu\xe9t ID","w3info.changelog.v29.item1":"T\xedch hợp Plaid Link — sandbox đ\xe3 hoạt động, m\xf4i trường sản xuất phụ thuộc v\xe0o chữ k\xfd MSA","w3info.changelog.v29.item2":"M\xe1y qu\xe9t m\xe3 vạch AAMVA: 3 chế độ (tải l\xean/m\xe1y ảnh/chuyển giao bằng QR), tr\xedch xuất 3 tầng","w3info.changelog.v29.item3":"Giải m\xe3 ph\xeda tr\xecnh duyệt bằng Dynamsoft với m\xe1y chủ ZXing v\xe0 OCR thị gi\xe1c dự ph\xf2ng","w3info.changelog.v29.item4":"Đ\xe3 kết nối Plaid Cashflow/Income Insights, Consumer Report v\xe0 Identity Match","w3info.changelog.v28.title":"C\xf4ng cụ hội thoại AI Breeze","w3info.changelog.v28.item1":"Hệ thống trả lời Breeze: 12 t\xednh năng đ\xe3 ra mắt — l\xean lịch th\xf4ng minh, Gmail OAuth, đồng bộ lịch","w3info.changelog.v28.item2":"Thẻ h\xe0nh động Breeze: 8 loại h\xe0nh động, thẻ sửa lỗi nhận biết thiếu s\xf3t, ch\xe8n trường 1003","w3info.changelog.v28.item3":"Bộ chuyển đổi lịch sử hội thoại + lưu trữ qua c\xe1c phi\xean","w3info.changelog.v28.item4":"Chế độ m\xf4 phỏng kịch bản, giọng n\xf3i v\xe0 trợ l\xfd tu\xe2n thủ","w3info.changelog.v27.title":"C\xf4ng cụ tu\xe2n thủ + Kết quả AUS","w3info.changelog.v27.item1":"ATR, HMDA, OFAC, li\xean bang \xa71026.32 chi ph\xed cao + định tuyến theo bang CA/NY/TX/FL","w3info.changelog.v27.item2":"Mẫu kết quả AUS: DU v\xe0 LP điền sẵn thu nhập đủ điều kiện/DTI/LTV","w3info.changelog.v27.item3":"Xuất MISMO 3.4 đ\xe3 hoạt động — sẵn s\xe0ng b\xe0n giao cho b\xean cho vay","w3info.changelog.v27.item4":"Tr\xecnh xuất HMDA LAR + t\xednh to\xe1n lại tu\xe2n thủ tr\xean mỗi lần chỉnh sửa khoản vay","w3info.changelog.v26.title":"Lưu trữ t\xe0i liệu NAS + Cổng người vay","w3info.changelog.v26.item1":"MinIO tr\xean Synology NAS qua Cloudflare Tunnel — tất cả tệp tải l\xean đều kh\xf4ng qua đ\xe1m m\xe2y","w3info.changelog.v26.item2":"Cổng người vay được x\xe2y dựng lại: 6 trang con c\xe0i đặt, hồ sơ, mật khẩu, th\xf4ng b\xe1o","w3info.changelog.v26.item3":"Quy tr\xecnh 1003 cho kh\xe1ch (T\xf9y chọn A — kh\xf4ng c\xf3 NPI trước khi đăng k\xfd) với tự động điền khi đăng k\xfd","w3info.changelog.v26.item4":"Hướng dẫn lần truy cập đầu ti\xean + hướng dẫn /borrower/help đ\xe3 ra mắt","w3info.changelog.ctaTextPre":"Ch\xfang t\xf4i triển khai nhiều lần mỗi tuần. Gắn sao cho repo hoặc theo d\xf5i","w3info.changelog.ctaTextPost":"để nhận cập nhật theo thời gian thực.","w3info.changelog.ctaStartBuilding":"Bắt đầu x\xe2y dựng","w3info.changelog.ctaSeeFeatures":"Xem tất cả t\xednh năng","w3info.resources.eyebrow":"T\xe0i nguy\xean","w3info.resources.heroPre":"Broker","w3info.resources.heroAccent":"T\xe0i nguy\xean","w3info.resources.heroSub":"Hướng dẫn, t\xe0i liệu v\xe0 hỗ trợ gi\xfap bạn tận dụng tối đa Unified Loan System.","w3info.resources.card.knowledgeBase.title":"Cơ sở kiến thức","w3info.resources.card.knowledgeBase.desc":"Hướng dẫn từng bước về bảng điều khiển, tải t\xe0i liệu l\xean, quyết định thẩm định bằng AI v\xe0 kiểm tra tu\xe2n thủ.","w3info.resources.card.knowledgeBase.action":"Xem hướng dẫn","w3info.resources.card.apiDocs.title":"T\xe0i liệu API","w3info.resources.card.apiDocs.desc":"T\xe0i liệu kỹ thuật để t\xedch hợp Unified Loan System với CRM, LOS hoặc frontend t\xf9y chỉnh hiện c\xf3 của bạn qua REST API.","w3info.resources.card.apiDocs.action":"Đọc t\xe0i liệu","w3info.resources.card.videos.title":"Video hướng dẫn","w3info.resources.card.videos.desc":"Hướng dẫn quay m\xe0n h\xecnh về cổng người vay, quản l\xfd quy tr\xecnh v\xe0 luồng xem x\xe9t điều kiện bằng AI.","w3info.resources.card.videos.action":"Xem video","w3info.resources.card.compliance.title":"Hướng dẫn tu\xe2n thủ","w3info.resources.card.compliance.desc":"T\xe0i liệu về HMDA, ATR/Reg Z, OFAC v\xe0 kiểm tra chi ph\xed cao theo bang k\xe8m v\xed dụ minh họa v\xe0 danh s\xe1ch kiểm tra xuất.","w3info.resources.card.compliance.action":"Xem tu\xe2n thủ","w3info.resources.supportCta.heading":"Cần hỗ trợ được c\xe1 nh\xe2n h\xf3a?","w3info.resources.supportCta.body":"Đội ngũ th\xe0nh c\xf4ng của broker 

1ch\xfang t\xf4i lu\xf4n sẵn s\xe0ng. Đối với hồ sơ phức tạp, c\xe2u hỏi về tu\xe2n thủ hoặc trợ gi\xfap giới thiệu — h\xe3y li\xean hệ trực tiếp.","w3info.resources.supportCta.contact":"Li\xean hệ hỗ trợ","w3info.resources.supportCta.allOptions":"Tất cả t\xf9y chọn li\xean hệ","w3info.apiDocs.backToResources":"Quay lại T\xe0i nguy\xean","w3info.apiDocs.title":"T\xe0i liệu API","w3info.apiDocs.subtitle":"T\xedch hợp c\xf4ng cụ thẩm định của Unified Loan System trực tiếp v\xe0o CRM của bạn.","w3info.apiDocs.previewNote":"Đ\xe2y l\xe0 bản xem trước. Để truy cập t\xe0i liệu tham khảo API đầy đủ, vui l\xf2ng li\xean hệ đội ngũ kỹ thuật của ch\xfang t\xf4i.","w3info.apiDocs.requestAccess":"Y\xeau cầu quyền truy cập API","w3info.guides.backToResources":"Quay lại T\xe0i nguy\xean","w3info.guides.title":"Cơ sở kiến thức","w3info.guides.subtitle":"Mọi điều bạn cần biết về việc sử dụng Unified Loan System.","w3info.guides.cat.gettingStarted":"Bắt đầu","w3info.guides.cat.documentManagement":"Quản l\xfd t\xe0i liệu","w3info.guides.cat.underwritingConditions":"Thẩm định v\xe0 điều kiện","w3info.guides.link.settingUpProfile":"Thiết lập hồ sơ broker của bạn","w3info.guides.link.invitingClient":"Mời kh\xe1ch h\xe0ng đầu ti\xean của bạn","w3info.guides.link.dashboardOverview":"T\xecm hiểu bảng điều khiển","w3info.guides.link.scanningBestPractices":"Phương ph\xe1p qu\xe9t tốt nhất","w3info.guides.link.resolvingOcrErrors":"Khắc phục lỗi OCR","w3info.guides.link.secureSharing":"Chia sẻ t\xe0i liệu an to\xe0n","w3info.guides.link.interpretingAi":"Diễn giải c\xe1c quyết định của AI","w3info.guides.link.clearingConditions":"X\xf3a điều kiện tự động","w3info.guides.link.manualReview":"Y\xeau cầu xem x\xe9t thủ c\xf4ng","w3info.guideArticle.backToKb":"Quay lại Cơ sở kiến thức","w3info.guideArticle.helpful":"B\xe0i viết n\xe0y c\xf3 hữu \xedch kh\xf4ng?","w3info.guideArticle.yes":"C\xf3","w3info.guideArticle.no":"Kh\xf4ng","w3info.support.backToResources":"Quay lại T\xe0i nguy\xean","w3info.support.title":"Li\xean hệ hỗ trợ","w3info.support.subtitle":"Đội ngũ th\xe0nh c\xf4ng của ch\xfang t\xf4i lu\xf4n sẵn s\xe0ng gi\xfap bạn x\xf3a điều kiện v\xe0 ho\xe0n tất khoản vay.","w3info.support.emailUs":"Gửi email cho ch\xfang t\xf4i","w3info.support.emailResponse":"Thời gian phản hồi trung b\xecnh 4 giờ","w3info.support.liveChat":"Tr\xf2 chuyện trực tiếp","w3info.support.chatAvailability":"C\xf3 sẵn trong Bảng điều khiển","w3info.support.chatHours":"Thứ Hai-Thứ S\xe1u 9 giờ s\xe1ng - 6 giờ chiều EST","w3info.support.submitTicket":"Gửi phiếu y\xeau cầu","w3info.support.subjectLabel":"Ti\xeau đề","w3info.support.subjectPlaceholder":"M\xf4 tả ngắn gọn về vấn đề","w3info.support.messageLabel":"Tin nhắn","w3info.support.messagePlaceholder":"H\xe3y cho ch\xfang t\xf4i biết th\xeam về những g\xec đ\xe3 xảy ra...","w3info.support.submitRequest":"Gửi y\xeau cầu","w3info.beta.errorInvalid":"M\xe3 truy cập beta kh\xf4ng hợp lệ. Vui l\xf2ng thử lại.","w3info.beta.errorGeneric":"Đ\xe3 xảy ra lỗi. Vui l\xf2ng thử lại.","w3info.beta.eyebrow":"Beta ri\xeang tư","w3info.beta.title":"Truy cập Beta","w3info.beta.subtitle":"Nền tảng n\xe0y đang trong giai đoạn ph\xe1t triển ri\xeang tư. Nhập m\xe3 mời của bạn để tiếp tục.","w3info.beta.invitationCode":"M\xe3 mời","w3info.beta.unlockAccess":"Mở kh\xf3a quyền truy cập","w3info.beta.loading":"Đang tải…","w3borrower.toastUploading":"Đang tải l\xean {name}…","w3borrower.toastUploaded":"Đ\xe3 tải l\xean {name} — nh\xe2n vi\xean phụ tr\xe1ch khoản vay của bạn sẽ xem x\xe9t.","w3borrower.toastUploadFailed":"Tải l\xean thất bại: {reason}","w3borrower.uploadRejected":"Tải l\xean bị từ chối","w3borrower.loadingCondition":"Đang tải điều kiện…","w3borrower.conditionNotFound":"Kh\xf4ng t\xecm thấy điều kiện.","w3borrower.allConditions":"Tất cả điều kiện","w3borrower.veraSuggestionPlainEnglish":"Điều n\xe0y c\xf3 nghĩa l\xe0 g\xec theo c\xe1ch dễ hiểu?","

1w3borrower.veraSuggestionWhereDocument":"T\xf4i lấy t\xe0i liệu n\xe0y ở đ\xe2u?","w3borrower.veraSuggestionHowLong":"Việc n\xe0y sẽ mất bao l\xe2u?","w3borrower.veraSuggestionFromPhone":"T\xf4i c\xf3 thể gá»­i c\xe1i n\xe0y từ điện thoại kh\xf4ng?","w3borrower.veraWelcome":"H\xe3y cho t\xf4i biết điều g\xec khiến bạn bối rối về điều kiện n\xe0y.","w3borrower.errInvalidCode":"M\xe3 kh\xf4ng hợp lệ hoặc đ\xe3 hết hạn. Vui l\xf2ng thá»­ lại.","w3borrower.errSomethingWrong":"Đ\xe3 xảy ra lỗi.","w3borrower.errThrottled":"Qu\xe1 sớm — h\xe3y đợi khoảng một ph\xfat, rồi thá»­ lại.","w3borrower.errAuthenticatorApp":"T\xe0i khoản n\xe0y sá»­ dụng ứng dụng x\xe1c thá»±c. H\xe3y mở ứng dụng v\xe0 d\xf9ng m\xe3 6 chữ số hiện tại.","w3borrower.errResendFailed":"Kh\xf4ng thể gá»­i lại m\xe3. H\xe3y kiểm tra kết nối của bạn v\xe0 thá»­ lại.","w3borrower.verifyEyebrow":"Người vay","w3borrower.verifyTitle":"Một bước kiểm tra cuối c\xf9ng — x\xe1c minh đ\xf3 l\xe0 bạn","w3borrower.verifySubtitleEmailPrefix":"Ch\xfang t\xf4i vừa gá»­i m\xe3 6 chữ số qua email đến","w3borrower.verifySubtitleNoEmail":"Ch\xfang t\xf4i vừa gá»­i cho bạn một m\xe3 6 chữ số qua email.","w3borrower.newCodeSent":"Đ\xe3 gá»­i m\xe3 mới — h\xe3y kiểm tra hộp thÆ° đến (v\xe0 thÆ° mục spam) của bạn.","w3borrower.whyCodeHeading":"Tại sao ch\xfang t\xf4i cần một m\xe3","w3borrower.whyCodeBody1":"Ngay cả khi ai đ\xf3 c\xf3 mật khẩu của bạn, họ cÅ©ng kh\xf4ng thể đăng nhập nếu kh\xf4ng truy cập được hộp thÆ° đến của bạn. Ch\xfang t\xf4i gá»­i một m\xe3 6 chữ số","w3borrower.whyCodeBodyEmphasis":"mỗi khi bạn đăng nhập từ một thiết bị mới","w3borrower.whyCodeBody2":"— một khi ch\xfang t\xf4i đ\xe3 nhận diện bạn tr\xean tr\xecnh duyệt n\xe0y trước đ\xf3, bạn sẽ kh\xf4ng bị y\xeau cầu lại trong 30 ng\xe0y.","w3borrower.lookForEmail":"T\xecm email n\xe0y","w3borrower.emailFromLabel":"Từ:","w3borrower.emailSubjectLabel":"Chủ đề:","w3borrower.emailSubjectValue":"M\xe3 đăng nhập Unified Loan System của bạn","w3borrower.codeExpiresBefore":"M\xe3 hết hạn sau","w3borrower.codeExpiresDuration":"10 ph\xfat","w3borrower.typeCodeLabel":"Nhập m\xe3 6 chữ số b\xean dưới","w3borrower.codeTip":"Mẹo: hầu hết c\xe1c ứng dụng email đều hiển thị m\xe3 ở d\xf2ng xem trước — bạn c\xf3 thể kh\xf4ng cần mở email.","w3borrower.verifyAndSignIn":"X\xe1c minh v\xe0 đăng nhập","w3borrower.backToSignIn":"Quay lại đăng nhập","w3borrower.resendAriaSending":"Đang gá»­i m\xe3 mới…","w3borrower.resendAriaSent":"Đ\xe3 gá»­i m\xe3 — kiểm tra hộp thÆ° đến","w3borrower.resendAriaIdle":"Gá»­i m\xe3 mới","w3borrower.resendSending":"Đang gá»­i…","w3borrower.resendSent":"Đ\xe3 gá»­i — kiểm tra hộp thÆ° đến","w3borrower.resendIdle":"Gá»­i m\xe3 mới","w3borrower.spamHint":'Kh\xf4ng thấy m\xe3? H\xe3y kiểm tra thÆ° mục spam hoặc khuyến m\xe3i của bạn. Nếu m\xe3 hết hạn, h\xe3y nhấn "Gá»­i m\xe3 mới" ở tr\xean.',"w3borrower.loading":"Đang tải…","w3borrower.offlineTitle":"Bạn đang ngoại tuyến","w3borrower.offlineBody":"C\xf3 vẻ nhÆ° kết nối của bạn đ\xe3 bị mất. Hồ sÆ¡ xin khoản vay của bạn vẫn an to\xe0n — mọi trường đ\xe3 lÆ°u đều nằm tr\xean m\xe1y chủ của ch\xfang t\xf4i, v\xe0 mọi chỉnh sá»­a đang thá»±c hiện sẽ được đồng bộ ngay khi bạn trá»±c tuyến trở lại.","w3borrower.offlineReconnecting":"Đang kết nối lại…","w3borrower.offlineTryAgain":"Thá»­ lại","w3borrower.offlineBorrowerDashboard":"Bảng điều khiển người vay","w3borrower.offlineContinueApplication":"Tiếp tục hồ sÆ¡ của bạn","w3borrower.offlineTip":"Mẹo: tr\xecnh hướng dẫn hồ sÆ¡ 1003 hoạt động ngoại tuyến — c\xe1c chỉnh sá»­a của bạn sẽ đồng bộ với m\xe1y chá»

1§ của ch\xfang t\xf4i ngay khi bạn trá»±c tuyến trở lại.","w3borrower.paymentReceivedTitle":"Đ\xe3 nhận thanh to\xe1n","w3borrower.cardSavedTitle":"Đ\xe3 lÆ°u thẻ v\xe0o hồ sÆ¡","w3borrower.paymentReceivedBody":"Cảm Æ¡n bạn. Nh\xe0 m\xf4i giới của bạn đ\xe3 được th\xf4ng b\xe1o tá»± động, v\xe0 Stripe sẽ sớm gá»­i email cho bạn một bi\xean lai chi tiết.","w3borrower.cardSavedBody":"Thẻ thanh to\xe1n của bạn hiện đ\xe3 được lÆ°u an to\xe0n với Stripe. Nh\xe0 m\xf4i giới của bạn sẽ được th\xf4ng b\xe1o tá»± động — bạn kh\xf4ng cần l\xe0m g\xec th\xeam.","w3borrower.cardSavedDisclaimerBefore":"Thẻ của bạn sẽ","w3borrower.cardSavedDisclaimerNot":"kh\xf4ng","w3borrower.cardSavedDisclaimerAfter":"bị t\xednh ph\xed trừ khi khoản vay của bạn kh\xf4ng ho\xe0n tất, v\xe0 chỉ đối với c\xe1c chi ph\xed b\xean thứ ba c\xf3 chứng từ m\xe0 nh\xe0 m\xf4i giới của bạn đ\xe3 trả thay cho bạn. Bạn sẽ nhận được th\xf4ng b\xe1o chi tiết trước bất kỳ khoản ph\xed n\xe0o.","w3borrower.paymentCanceledTitle":"Đ\xe3 hủy thanh to\xe1n","w3borrower.cardNotSavedTitle":"Thẻ chÆ°a được lÆ°u","w3borrower.paymentCanceledBody":"Bạn đ\xe3 hủy trước khi ho\xe0n tất thanh to\xe1n, n\xean kh\xf4ng c\xf3 khoản ph\xed n\xe0o được t\xednh. Bạn c\xf3 thể đ\xf3ng tab n\xe0y hoặc d\xf9ng lại li\xean kết từ nh\xe0 m\xf4i giới của bạn bất cứ khi n\xe0o bạn sẵn s\xe0ng.","w3borrower.cardNotSavedBody":"Bạn đ\xe3 hủy trước khi ho\xe0n tất thiết lập, n\xean kh\xf4ng c\xf3 thẻ n\xe0o được lÆ°u. Bạn c\xf3 thể đ\xf3ng tab n\xe0y hoặc d\xf9ng lại li\xean kết từ nh\xe0 m\xf4i giới của bạn bất cứ khi n\xe0o bạn sẵn s\xe0ng.","w3borrower.closeThisTab":"Đ\xf3ng tab n\xe0y","w3borrower.verifyUniversalTitle":"X\xe1c minh Đ\xe0o tạo To\xe0n diện","w3borrower.testSuite":"Bộ kiểm thá»­","w3borrower.testSuiteDescription":'Đang chạy c\xe1c b\xe0i kiểm thá»­ to\xe0n diện đối với logic "Đ\xe0o tạo T\xe0i liệu To\xe0n diện" mới. Thao t\xe1c n\xe0y m\xf4 phỏng 11 loại t\xe0i liệu kh\xe1c nhau bao gồm Tờ khai thuế, mẫu W-2, giấy tờ t\xf9y th\xe2n v\xe0 nhiều loại kh\xe1c.',"w3borrower.runningTests":"Đang chạy kiểm thá»­...","w3borrower.runComprehensiveTests":"Chạy kiểm thá»­ to\xe0n diện","w3borrower.results":"Kết quả","w3borrower.expectedLabel":"Dá»± kiến:","w3borrower.actualLabel":"Thá»±c tế:","w3borrower.pass":"ĐẠT","w3borrower.fail":"KH\xd4NG ĐẠT","w3borrower.confLabel":"Độ tin cậy:","w3borrower.plaidExchangeFailed":"Trao đổi ng\xe2n h\xe0ng thất bại","w3borrower.plaidLinked":"Đ\xe3 li\xean kết ng\xe2n h\xe0ng — đang truy xuất t\xe0i khoản của bạn ngay b\xe2y giờ.","w3borrower.plaidReconnectFailed":"Đ\xe1nh dấu kết nối lại thất bại","w3borrower.plaidReconnected":"Đ\xe3 kết nối lại ng\xe2n h\xe0ng — dữ liệu khoản vay của bạn đ\xe3 được cập nhật trở lại.","w3borrower.plaidFinishFailed":"Ch\xfang t\xf4i kh\xf4ng thể ho\xe0n tất việc li\xean kết ng\xe2n h\xe0ng của bạn. H\xe3y thá»­ lại hoặc d\xf9ng c\xe1ch tải l\xean thủ c\xf4ng.","w3borrower.plaidSessionEnded":"Phi\xean kết nối ng\xe2n h\xe0ng đ\xe3 kết th\xfac bất ngờ. H\xe3y thá»­ lại hoặc tải l\xean sao k\xea.","w3borrower.plaidSessionExpiredTitle":"Phi\xean li\xean kết ng\xe2n h\xe0ng đ\xe3 hết hạn","w3borrower.plaidSessionExpiredBody1":"Ch\xfang t\xf4i kh\xf4ng t\xecm thấy phi\xean li\xean kết ng\xe2n h\xe0ng đang hoạt động. Điều n\xe0y thường xảy ra khi việc ủy quyền tại ng\xe2n h\xe0ng của bạn mất nhiều thời gian hÆ¡n dá»± kiến, hoặc khi trang n\xe0y được tải lại.","w3borrower.plaidSessionExpiredBody2":"H\xe3y quay lại hồ sÆ¡ xin khoản vay của bạn v\xe0 nhấp v\xe0o Kết nối Ng\xe2n h\xe0ng lần nữa để bắt đầu một phi\xean mới.","w3borrower.plaidBackToDashboard":"Quay lại bảng điều khiển","w3borrower.plaidLinkingTitle":"Đang li\xean kết ng\xe2n h\xe0ng của bạn…","w3borrower.plaidResumingTitle":"Đang tiếp tục kết nối ng\xe2n h\xe0ng…","w3borrower.plaidLinkingBody":"Sắp xong — đang lÆ°u c\xe1c t\xe0i khoản của bạn v\xe0o hồ sÆ¡ khoản vay.","w3borrower.plaidResumingBody":"Vui l\xf2ng đợi trong gi\xe2y l\xe1t trong khi ch\xfang t\xf4i kết nối lại với ng\xe2n h\xe0ng của bạn sau khi ủy quyền.","w3sign.error.heading":"Kh\xf4ng thể k\xfd","w3sign.error.missingToken":"Thiếu m\xe3 truy cập.","w3sign.error.invali

1dLink":"Li\xean kết k\xfd n\xe0y kh\xf4ng hợp lệ hoặc đ\xe3 hết hạn.","w3sign.error.notFound":"Kh\xf4ng t\xecm thấy phong b\xec.","w3sign.error.alreadySigned":"T\xe0i liệu n\xe0y đ\xe3 được k\xfd.","w3sign.error.declined":"Y\xeau cầu k\xfd n\xe0y đ\xe3 bị từ chối.","w3sign.error.linkUsed":"Li\xean kết k\xfd n\xe0y đ\xe3 được sá»­ dụng.","w3sign.error.somethingWrong":"Đ\xe3 xảy ra sá»± cố","w3sign.error.tryAgain":"Thá»­ lại","w3sign.doc.fallbackTitle":"T\xe0i liệu","w3sign.consent.recordError":"Kh\xf4ng thể ghi nhận sá»± đồng \xfd ({status})","w3sign.consent.recordErrorRetry":"Kh\xf4ng thể ghi nhận sá»± đồng \xfd của bạn. Vui l\xf2ng thá»­ lại.","w3sign.decline.failed":"Từ chối thất bại: {status}","w3sign.decline.recordError":"Kh\xf4ng thể ghi nhận việc từ chối.","w3sign.decline.button":"Từ chối k\xfd","w3sign.submit.placeAllFirst":"Vui l\xf2ng đặt chữ k\xfd của bạn v\xe0o mọi vị tr\xed bắt buộc trước.","w3sign.submit.failed":"K\xfd thất bại: {status}","w3sign.submit.failedRetry":"Kh\xf4ng thể gá»­i chữ k\xfd. Vui l\xf2ng thá»­ lại.","w3sign.submit.button":"Gá»­i t\xe0i liệu đ\xe3 k\xfd","w3sign.submit.needMoreOne":"K\xfd th\xeam 1 trường nữa để tiếp tục","w3sign.submit.needMoreMany":"K\xfd th\xeam {count} trường nữa để tiếp tục","w3sign.submitting.loaderLabel":"Đang xá»­ l\xfd chữ k\xfd…","w3sign.submitting.title":"Đang gá»­i chữ k\xfd của bạn…","w3sign.submitting.body":"Vui l\xf2ng chờ — ch\xfang t\xf4i đang ho\xe0n tất t\xe0i liệu đ\xe3 k\xfd.","w3sign.done.iconLabel":"Th\xe0nh c\xf4ng","w3sign.done.title":"Bạn đ\xe3 k\xfd xong tất cả!","w3sign.done.bodyBefore":"T\xe0i liệu đ\xe3 k\xfd của bạn đ\xe3 được ni\xeam phong. Một bản sao sẽ được gá»­i qua email đến ","w3sign.done.bodyAfter":" trong v\xe0i ph\xfat.","w3sign.done.continue":"Tiếp tục","backs.title":"Một v\xe0i x\xe1c nhận nhanh","backs.intro":"Trước khi tiếp tục, vui l\xf2ng xem v\xe0 k\xfd c\xe1c th\xf4ng b\xe1o thiết lập t\xe0i khoản n\xe0y. Chỉ mất một ph\xfat.","backs.item.esign":"Đồng \xfd nhận t\xe0i liệu v\xe0 chữ k\xfd điện tá»­","backs.item.glba":"Th\xf4ng b\xe1o về quyền ri\xeang tÆ°","backs.item.holden":"Th\xf4ng b\xe1o cho vay c\xf4ng bằng","backs.status.signed":"Đ\xe3 k\xfd","backs.status.awaiting":"Cần k\xfd","backs.cta.start":"Xem v\xe0 k\xfd","backs.cta.continue":"Tiếp tục k\xfd","backs.cta.opening":"Đang mở…","backs.later":"Nhắc t\xf4i sau","backs.error":"Đ\xe3 xảy ra lỗi khi mở trang k\xfd. Vui l\xf2ng thá»­ lại.","w3sign.declined.title":"Đ\xe3 từ chối k\xfd","w3sign.declined.body":"Ch\xfang t\xf4i đ\xe3 ghi nhận quyết định của bạn. Nếu bạn đổi \xfd hoặc c\xf3 thắc mắc, h\xe3y li\xean hệ với c\xe1n bộ t\xedn dụng của bạn.","w3sign.header.signingAs":"K\xfd với tÆ° c\xe1ch","w3sign.sign.stepLabel":"Bước 2 tr\xean 2","w3sign.sign.heading":"K\xfd t\xe0i liệu của bạn","w3sign.sign.instructionCreate":"Tạo chữ k\xfd của bạn b\xean dưới, sau đ\xf3 nhấn v\xe0o từng trường được t\xf4 s\xe1ng tr\xean t\xe0i liệu để \xe1p dụng.","w3sign.sign.instructionAllPlaced":"Tất cả c\xe1c trường đ\xe3 được k\xfd — bạn đ\xe3 sẵn s\xe0ng để gá»­i.","w3sign.sign.instructionProgress":"Đ\xe3 k\xfd {placed} tr\xean {total} trường. Nhấn v\xe0o từng trường được t\xf4 s\xe1ng để tiếp tục.","w3sign.sign.createSignature":"Tạo chữ k\xfd của bạn","w3sign.sign.intentNote":"Mỗi trường bạn nhấn v\xe0o sẽ ghi nhận \xfd định k\xfd của bạn tại đ\xf3. Tệp PDF đ\xe3 k\xfd cuối c\xf9ng của bạn được ni\xeam phong v\xe0 gá»­i qua email cho bạn khi bạn gá»­i.","w3sign.signature.label":"Chữ k\xfd của bạn","w3sign.signature.change":"Thay đổi","w3sign.signature.adoptedAlt":"Chữ k\xfd đ\xe3 chọn của bạn","w3sign.signature.initialsLabel":"Chữ k\xfd tắt:","w3sign.signature.dateLabel":"Ng\xe0y:","w3sign.placeAll.one":"K\xfd 1 trường c\xf2n lại c\xf9ng một l\xfac","w3sign.placeAll.many":"K\xfd {count} trường c\xf2n lại c\xf9ng một l\xfac","w3sign.progress.pill":"Đ\xe3 k\xfd {placed} tr\xean {total}","w3sign.progress.pillAria":"Đ\xe3 k\xfd {placed} tr\xean {total} trường chữ k\xfd","w3sign.progress.listAria":"Tiến tr\xecnh trường chữ k\xfd","w3sign.progress.fieldsHeading":"C\xe1c trường chữ k\xfd","w3sign.progress.noFields":"Kh\xf4ng t\xecm thấy trường chữ k\xfd n\xe0o tr\xean t\xe0i liệu n\xe0y.","w3sign.progress.page":"trang {page}","w3sign.fieldType.initial":"Chữ k\xfd tắt","w3sign.fieldType.date":"Ng\xe0y","w3sign.fieldType.signature":"Chữ k\xfd","common.skipToMain":"Chuyển đến nội dung ch\xednh","rwset.heading":"C\xe0i đặt","rwset.subheading":"Quản l\xfd t\xe0i khoản v\xe0 t\xf9y chọn của bạn.","rwset.backToAll":"Quay lại tất cả c\xe0i đặt","rwset.all":"Tất cả","rwset.editInApplication":"Cần cập nhật t\xean, email hoặc số điện thoại của bạn? H\xe3y chỉnh sá»­a trong đơn đăng k\xfd của bạn","rwset.section.security.label":"Bảo mật","rwset.section.security.desc":"Mật khẩu, 2FA, passkey v\xe0 c\xe2u hỏi bảo mật","rwset.section.notifications.label":"Th\xf4ng b\xe1o","rwset.section.notifications.desc":"C\xe1ch thức v\xe0 thời điểm ch\xfang t\xf4i cập nhật cho bạn về khoản vay của bạn","rwset.section.appearance.label":"Giao diện","rwset.section.appearance.desc":"Chủ đề v\xe0 m\xe0u sắc","rwset.section.connections.label":"Kết nối","rwset.section.connections.desc":"T\xe0i khoản ng\xe2n h\xe0ng v\xe0 dịch vụ được li\xean kết","rwset.section.privacy.label":"Quyền ri\xeang tÆ° v\xe0 dữ liệu","rwset.section.privacy.desc":"Tải xuống hoặc x\xf3a dữ liệu của bạn (CCPA / GDPR)","rwset.appearance.themeTitle":"Chủ đề","rwset.appearance.themeDesc":"Chọn s\xe1ng, ná»­a đ\xeam hoặc đen tuyền.","rwset.appearance.themeMode.light":"s\xe1ng","rwset.appearance.themeMode.midnight":"ná»­a đ\xeam","rwset.appearance.themeMode.dark":"Đen tuyền","rwset.appearance.accentTitle":"M\xe0u nhấn","rwset.appearance.accentDesc":"Được sá»­ dụng tr\xean c\xe1c n\xfat, li\xean kết v\xe0 phần l\xe0m nổi bật.","rwset.appearance.accentColorAria":"M\xe0u nhấn {color}","rwset.appearance.color.default":"Ch\xe0m","rwset.appearance.color.ocean":"Đại dÆ°Æ¡ng","rwset.appearance.color.forest":"Rừng","rwset.appearance.color.sunset":"Ho\xe0ng h\xf4n","rwset.appearance.color.lavender":"Oải hÆ°Æ¡ng","rwset.privacy.intro":"Theo CCPA của California v\xe0 GDPR, bạn c\xf3 quyền xem, xuất hoặc x\xf3a dữ liệu của m\xecnh. H\xe3y sá»­ dụng c\xe1c t\xf9y chọn b\xean dưới.","rwset.privacy.retentionNote":"Ch\xfang t\xf4i sẽ phản hồi trong v\xf2ng 45 ng\xe0y. Một số dữ liệu l\xe0 bắt buộc để lÆ°u trữ hồ sÆ¡ li\xean bang (HMDA, BSA / OFAC, Reg B / ECOA, FCRA) v\xe0 phải được giữ lại ngay cả sau khi x\xf3a c\xe1c t\xf9y chọn c\xe1 nh\xe2n. Ch\xfang t\xf4i sẽ cho bạn biết những trường n\xe0o thuộc diện lÆ°u giữ đ\xf3 khi xá»­ l\xfd y\xeau cầu của bạn.","rwset.connections.bankTitle":"T\xe0i khoản ng\xe2n h\xe0ng (Plaid)","rwset.connections.bankDesc":"Tá»± động điền số dÆ° v\xe0 sao k\xea ng\xe2n h\xe0ng của bạn v\xe0o mẫu 1003. Bạn c\xf3 thể ngắt kết nối bất cứ l\xfac n\xe0o; việc ngắt kết nối cÅ©ng sẽ x\xf3a dữ liệu m\xe0 ch\xfang t\xf4i đ\xe3 lÆ°u v\xe0o bộ nhớ đệm từ Plaid.","rwset.connections.loading":"Đang tải…","rwset.connections.startToConnect":"Bắt đầu một đơn đăng k\xfd để kết nối ng\xe2n h\xe0ng.","rwset.connections.bankConnected":"Ng\xe2n h\xe0ng đ\xe3 kết nối","rwset.connections.bankConnectedNamed":"Ng\xe2n h\xe0ng đ\xe3 kết nối — {institution}","rwset.connections.noBank":"ChÆ°a c\xf3 ng\xe2n h\xe0ng n\xe0o được kết nối. Bạn c\xf3 thể li\xean kết một ng\xe2n h\xe0ng từ phần T\xe0i sản trong đơn đăng k\xfd của bạn.","rwset.connections.product.assetReport":"B\xe1o c\xe1o t\xe0i sản","rwset.connections.product.assetReportPending":"Đang lấy số dÆ° của 2 năm…","rwset.connections.product.incomeVerification":"X\xe1c minh thu nhập","rwset.connections.product.incomeVerificationPending":"Đang ph\xe2n t\xedch c\xe1c khoản tiền gá»­i trá»±c tiếp…","rwset.connections.product.consumerReport":"B\xe1o c\xe1o người ti\xeau d\xf9ng","rwset.connections.product.consumerReportPending":"Đang x\xe2y dá»±ng c\xe1c t\xedn hiệu d\xf2ng tiền…","rwset.connections.product.ready":"Sẵn s\xe0ng","rwset.connections.product.failed":"Thất bại — h\xe3y li\xean hệ với c\xe1n bộ t\xedn dụng của bạn","rwset.security.twoFactorTitle":"X\xe1c thá»±c hai yếu tố","rwset.security.twoFactorDesc":"Th\xeam m\xe3 từ ứng dụng x\xe1c thá»±c b\xean cạnh mật khẩu của bạn.","rwset.security.passkeysTitle":"Passkey","rwset.security.passkeysDesc":"Đăng nhập bằng v\xe2n tay, khu\xf4n mặt hoặc m\xe3 PIN thiết bị của bạn — chống lừa đảo v\xe0 được khuyến nghị.","rwset.security.questionsTitle":"C\xe2u hỏi bảo mật","rwset.security.questionsDesc":"Được sá»­ dụng l\xe0m phÆ°Æ¡ng \xe1n dá»± ph\xf2ng khi bạn đăng nhập từ một thiết bị mới.","rwset.security.signInsTitle":"Lần đăng nhập gần đ\xe2y","rwset.security.signInsDesc":"C\xe1c thiết bị đ\xe3 đăng nhập v\xe0o t\xe0i khoản của bạn. Nếu bạn kh\xf4ng nhận ra thiết bị n\xe0o, h\xe3y đổi mật khẩu.","rwset.security.password.title":"Mật khẩu","rwset.security.password.desc":"Việc đổi mật khẩu sẽ đăng xuất khỏi c\xe1c thiết bị kh\xe1c.","rwset.security.password.currentPlaceholder":"Mật khẩu hiện tại","rwset.security.password.currentAria":"Mật khẩu hiện tại","rwset.security.password.newPlaceholder":"Mật khẩu mới","rwset.security.password.newAria":"Mật khẩu mới","rwset.security.password.confirmPlaceholder":"X\xe1c nhận mật khẩu mới","rwset.security.password.confirmAria":"X\xe1c nhận mật khẩu mới","rwset.security.password.errMinLength":"Mật khẩu mới phải c\xf3 \xedt nhất 8 k\xfd tá»±.","rwset.security.password.errMismatch":"Mật khẩu mới kh\xf4ng khớp.","rwset.security.password.errGeneric":"Kh\xf4ng thể đổi mật khẩu.","rwset.security.password.updated":"Đ\xe3 cập nhật mật khẩu.","rwset.security.password.saving":"Đang lÆ°u…","rwset.security.password.changeBtn":"Đổi mật khẩu","rwset.security.twoFactor.enabledNotice":"2FA đ\xe3 được bật.","rwset.security.twoFactor.disableBtn":"Tắt 2FA","rwset.security.twoFactor.disableWarning":"Tắt 2FA c\xf3 nghÄ©a l\xe0 t\xe0i khoản của bạn sẽ chỉ dá»±a v\xe0o mật khẩu v\xe0 m\xe3 qua email. Bạn c\xf3 chắc chắn kh\xf4ng?","rwset.security.twoFactor.cancel":"Hủy","rwset.security.twoFactor.disabling":"Đang tắt…","rwset.security.twoFactor.confirmDisable":"C\xf3, tắt 2FA","rwset.security.twoFactor.loading":"Đang tải…","rwset.security.twoFactor.setupBtn":"Thiết lập 2FA","rwset.security.twoFactor.scanInstructions":"Qu\xe9t bằng Google Authenticator, Authy hoặc 1Password.","rwset.security.twoFactor.qrAlt":"M\xe3 QR 2FA","rwset.security.twoFactor.manualKey":"Kh\xf3a thủ c\xf4ng:","rwset.security.twoFactor.codePlaceholder":"M\xe3 6 chữ số","rwset.security.twoFactor.codeAria":"M\xe3 6 chữ số của ứng dụng x\xe1c thá»±c","rwset.security.twoFactor.verifyEnable":"X\xe1c minh v\xe0 bật","rwset.notifications.errLoadPrefs":"Kh\xf4ng thể tải t\xf9y chọn.","rwset.notifications.errLoadConditions":"Kh\xf4ng thể tải t\xf9y chọn điều kiện.","rwset.notifications.errSaveFailed":"LÆ°u kh\xf4ng th\xe0nh c\xf4ng.","rwset.notifications.errSaveReverted":"LÆ°u kh\xf4ng th\xe0nh c\xf4ng — đ\xe3 ho\xe0n t\xe1c c\xf4ng tắc.","rwset.notifications.errSaveRetry":"LÆ°u kh\xf4ng th\xe0nh c\xf4ng — vui l\xf2ng thá»­ lại.","rwset.notifications.loading":"Đang tải…","rwset.notifications.channelsTitle":"K\xeanh","rwset.notifications.channelsDesc":"Tá»± động lÆ°u.","rwset.notifications.emailLabel":"Email","rwset.notifications.emailDesc":"Cập nhật trạng th\xe1i, y\xeau cầu t\xe0i liệu v\xe0 c\xe1c cột mốc.","rwset.notifications.smsLabel":"SMS","rwset.notifications.smsDesc":"Chỉ c\xe1c cảnh b\xe1o khẩn cấp — x\xe1c nhận kh\xf3a l\xe3i suất v\xe0 y\xeau cầu chữ k\xfd.","rwset.notifications.voiceTitle":"Giọng n\xf3i v\xe0 trợ năng","rwset.notifications.voiceDesc":"Kiểm so\xe1t c\xe1ch Breeze tÆ°Æ¡ng t\xe1c với bạn bằng giọng n\xf3i của bạn.","rwset.notifications.voiceInputLabel":"Đầu v\xe0o bằng giọng n\xf3i — cho ph\xe9p t\xf4i đọc c\xe2u hỏi cho Breeze","rwset.notifications.voiceInputDesc":"Sá»­ dụng micr\xf4 của tr\xecnh duyệt. Cần được tr\xecnh duyệt hỗ trợ.","rwset.notifications.voiceOutputLabel":"Đầu ra bằng giọng n\xf3i — đọc to c\xe2u trả lời của Breeze","rwset.notifications.voiceOutputDesc":"Một n\xfat ph\xe1t sẽ xuất hiện b\xean cạnh mỗi tin nhắn của Breeze.","rwset.notifications.conditionTitle":"Th\xf4ng b\xe1o điều kiện","rwset.notifications.conditionDesc":"Chọn cảnh b\xe1o n\xe0o sẽ k\xedch hoạt khi c\xe1n bộ t\xedn dụng của bạn th\xeam hoặc cập nhật điều kiện. C\xe1c k\xeanh m\xe0 c\xe1n bộ t\xedn dụng của bạn chÆ°a bật sẽ hiển thị mờ.","rwset.notifications.condition.newEmail.label":"Email điều kiện mới","rwset.notifications.condition.newEmail.desc":"Khi c\xf3 điều kiện mới được th\xeam v\xe0o khoản vay của bạn","rwset.notifications.condition.weeklyDigest.label":"Bản t\xf3m tắt h\xe0ng tuần","rwset.notifications.condition.weeklyDigest.desc":"Bản t\xf3m tắt c\xe1c mục đang mở v\xe0o Chá»

1§ Nhật","rwset.notifications.condition.staleReminder.label":"Nhắc nhở điều kiện chÆ°a xá»­ l\xfd","rwset.notifications.condition.staleReminder.desc":"Một th\xf4ng b\xe1o sau 7 ng\xe0y khi một điều kiện kh\xf4ng c\xf3 hoạt động n\xe0o","rwset.notifications.condition.inAppToast.label":"Th\xf4ng b\xe1o trong ứng dụng v\xe0o lần truy cập tiếp theo","rwset.notifications.condition.inAppToast.desc":"Số lượng mục mới hiển thị khi bạn mở cổng th\xf4ng tin","rwset.notifications.condition.push.label":"Th\xf4ng b\xe1o đẩy","rwset.notifications.condition.push.desc":"Th\xf4ng b\xe1o đẩy PWA (ứng dụng phải được c\xe0i đặt)","rwset.notifications.conditionDisabledTooltip":"C\xe1n bộ t\xedn dụng của bạn chÆ°a bật k\xeanh n\xe0y","rwset.notifications.conditionNotEnabled":"ChÆ°a được c\xe1n bộ t\xedn dụng của bạn bật","rwset.notifications.noLoanNote":"ChÆ°a c\xf3 khoản vay n\xe0o được chỉ định — c\xe1c t\xf9y chọn của bạn đ\xe3 được lÆ°u v\xe0 sẽ c\xf3 hiệu lá»±c khi c\xe1n bộ t\xedn dụng của bạn được kết nối.","rwset.notifications.saveStatus.saving":"Đang lÆ°u…","rwset.notifications.saveStatus.saved":"Đ\xe3 lÆ°u {time}","rwset.notifications.saveStatus.failed":"LÆ°u kh\xf4ng th\xe0nh c\xf4ng","rwset.notifications.saveStatus.upToDate":"Đ\xe3 cập nhật","rwdocs.statRequired":"Bắt buộc","rwdocs.statUploaded":"Đ\xe3 tải l\xean","rwdocs.statVerified":"Đ\xe3 x\xe1c minh","rwdocs.statTotalDocs":"Tổng số t\xe0i liệu","rwdocs.tileShowingEverything":"Đang hiển thị tất cả","rwdocs.tileShowAll":"Hiển thị tất cả","rwdocs.tileFilteringTapToClear":"Đang lọc \xb7 chạm để x\xf3a","rwdocs.tileTapToFilter":"Chạm để lọc","rwdocs.smartUploadHeading":"Tải l\xean th\xf4ng minh","rwdocs.smartUploadSubtitle":"Thả bất kỳ tệp n\xe0o — ch\xfang t\xf4i sẽ x\xe1c định đ\xf3 l\xe0 g\xec v\xe0 đưa v\xe0o đ\xfang chỗ.","rwdocs.dropZoneHeading":"K\xe9o v\xe0 thả, hoặc chạm để duyệt","rwdocs.dropZoneSubtitle":"Một tệp hoặc cả một chồng — ch\xfang t\xf4i sắp xếp v\xe0 gắn nh\xe3n từng tệp cho bạn.","rwdocs.browseFiles":"Duyệt tệp","rwdocs.useCamera":"D\xf9ng m\xe1y ảnh","rwdocs.supportsExtsMax":"Hỗ trợ {exts} \xb7 tối đa {size}MB mỗi tệp","rwdocs.readingDocument":"Đang đọc t\xe0i liệu của bạn…","rwdocs.ocrClassifierHint":"OCR + bộ ph\xe2n loại \xb7 thường 10–20 gi\xe2y","rwdocs.cameraOverlayLabel":"Giữ t\xe0i liệu của bạn trong khung h\xecnh","rwdocs.backToDashboard":"Quay lại bảng điều khiển","rwdocs.documentCenter":"Trung t\xe2m t\xe0i liệu","rwdocs.pageHeading":"Tất cả t\xe0i liệu khoản vay của bạn ở một nÆ¡i","rwdocs.pageSubtitle":"Tải l\xean phiếu lÆ°Æ¡ng, tờ khai thuế, sao k\xea ng\xe2n h\xe0ng v\xe0 giấy tờ t\xf9y th\xe2n. Ch\xfang t\xf4i \xe1p dụng OCR cho mọi thứ v\xe0 đưa từng tệp v\xe0o đ\xfang vị tr\xed — bạn kh\xf4ng phải gắn nh\xe3n g\xec cả.","rwdocs.offlineBanner":"Bạn đang ngoại tuyến. Đang hiển thị danh s\xe1ch t\xe0i liệu đ\xe3 lÆ°u gần nhất của bạn — việc tải l\xean đang tạm dừng.","rwdocs.cachedFrom":"Đ\xe3 lÆ°u trong bộ nhớ đệm từ {date}","rwdocs.statusVerified":"Đ\xe3 x\xe1c minh","rwdocs.statusUploaded":"Đ\xe3 tải l\xean","rwdocs.statusPending":"Đang chờ","rwdocs.statusReviewing":"Đang xem x\xe9t","rwdocs.fileCountOne":"{count} tệp","rwdocs.fileCountMany":"{count} tệp","rwdocs.showingFilterOnly":"Chỉ hiển thị {filter} \xb7 x\xf3a ✕","rwdocs.filterRequired":"bắt buộc","rwdocs.filterUploaded":"đ\xe3 tải l\xean","rwdocs.filterVerified":"đ\xe3 x\xe1c minh","rwdocs.documentCollection":"Bộ sÆ°u tập t\xe0i liệu","rwdocs.collectedCount":"Đ\xe3 thu thập {done} trong {total}","rwdocs.sectionRequired":"Bắt buộc","rwdocs.sectionStillNeeded":"Vẫn cần","rwdocs.stillNeededHint":"Mỗi lần một mục — chạm v\xe0o một mục để mở rộng.","rwdocs.emptyNothingRequired":"Kh\xf4ng c\xf2n mục bắt buộc 

1n\xe0o ở đ\xe2y","rwdocs.emptyAllCaughtUp":"Bạn đ\xe3 ho\xe0n tất tất cả","rwdocs.emptyOptionalItemsPrefix":"Bạn vẫn c\xf2n c\xe1c mục t\xf9y chọn —","rwdocs.showEverything":"hiển thị tất cả","rwdocs.emptyOptionalItemsSuffix":".","rwdocs.emptyEveryDocIn":"Tất cả t\xe0i liệu trong danh s\xe1ch của bạn đ\xe3 c\xf3 đủ. L\xe0m tốt lắm.","rwdocs.sectionVerified":"Đ\xe3 x\xe1c minh","rwdocs.sectionSubmitted":"Đ\xe3 gửi","rwdocs.emptyNothingVerified":"Chưa c\xf3 g\xec được x\xe1c minh","rwdocs.emptyNoDocsUploaded":"Chưa c\xf3 t\xe0i liệu n\xe0o được tải l\xean","rwdocs.emptyVerifiedDescription":"T\xe0i liệu sẽ xuất hiện ở đ\xe2y sau khi đội ngũ khoản vay của bạn x\xe1c minh xong.","rwdocs.emptyNoDocsDescription":"Thả một tệp v\xe0o v\xf9ng tải l\xean th\xf4ng minh ở tr\xean. Ch\xfang t\xf4i sẽ tự động ph\xe2n loại v\xe0 đưa v\xe0o đ\xfang vị tr\xed.","rwdocs.readyToSubmit":"Sẵn s\xe0ng gửi","rwdocs.requiredRemainingOne":"C\xf2n lại {count} mục bắt buộc","rwdocs.requiredRemainingMany":"C\xf2n lại {count} mục bắt buộc","rwdocs.submitHeadingReady":"Gửi hồ sơ của bạn để xem x\xe9t","rwdocs.submitHeadingAlmost":"Sắp xong rồi","rwdocs.submitDescriptionReady":"Sau khi bạn gửi, nh\xe2n vi\xean t\xedn dụng của bạn sẽ xem x\xe9t hồ sơ v\xe0 gửi đến b\xean cho vay của bạn.","rwdocs.submitDescriptionAlmost":"Tải l\xean c\xe1c mục bắt buộc c\xf2n lại ở tr\xean. N\xfat sẽ tự động mở kh\xf3a khi bạn ho\xe0n tất.","rwdocs.submitting":"Đang gửi…","rwdocs.submitApplication":"Gửi đơn đăng k\xfd","rwdocs.askVeraLabel":"Hỏi Breeze bạn c\xf2n cần nhữ

1ng t\xe0i liệu n\xe0o","rwdocs.askVeraPrompt":"H\xe3y gi\xfap t\xf4i hiểu t\xf4i c\xf2n cần tải l\xean những t\xe0i liệu n\xe0o v\xe0 mỗi t\xe0i liệu d\xf9ng để l\xe0m g\xec.","rwdocs.modalMismatchTitle":"Ph\xe1t hiện khả năng kh\xf4ng khớp","rwdocs.cancel":"Hủy","rwdocs.proceedAnyway":"Vẫn tiếp tục","rwdocs.modalLabelFile":"Tệp","rwdocs.modalLabelTargeting":"Hướng đến","rwdocs.modalLabelDetected":"Đ\xe3 ph\xe1t hiện","rwdocs.noFilesUploaded":"Chưa tải l\xean tệp n\xe0o","rwdocs.documentFallback":"T\xe0i liệu","rwdocs.toastScanning":"Đang qu\xe9t {count} t\xe0i liệu...","rwdocs.toastProcessedOne":"Đ\xe3 xử l\xfd th\xe0nh c\xf4ng {count} t\xe0i liệu.","rwdocs.toastProcessedMany":"Đ\xe3 xử l\xfd th\xe0nh c\xf4ng {count} t\xe0i liệu.","rwdocs.toastCouldNotIdentify":"Kh\xf4ng thể nhận dạng c\xe1c tệp đ\xe3 tải l\xean. Vui l\xf2ng tải l\xean thủ c\xf4ng v\xe0o một danh mục cụ thể.","rwdocs.toastAnalyzing":"Đang ph\xe2n t\xedch t\xe0i liệu...","rwdocs.toastUploadSuccess":"Đ\xe3 tải t\xe0i liệu l\xean th\xe0nh c\xf4ng.","rwdocs.toastUploadError":"Lỗi khi xử l\xfd t\xe0i liệu.","rwdocs.toastUploadCancelled":"Đ\xe3 hủy tải l\xean","rwdocs.toastSubmitFailed":"Kh\xf4ng gửi được đơn đăng k\xfd. Vui l\xf2ng thử lại.","rwdocs.issueTypeMismatch":"Tệp n\xe0y c\xf3 vẻ l\xe0 {detected} (độ tin cậy {confidence}%), nhưng bạn đang tải l\xean v\xe0o {target}.","rwdocs.issueLastNameNotFound":'Kh\xf4ng t\xecm thấy họ của người vay "{lastName}" trong t\xe0i liệu.',"rwdocs.issueDobMismatch":"Ng\xe0y sinh kh\xf4ng khớp: Đơn đăng k\xfd ghi {appDob}, giấy tờ t\xf9y th\xe2n n\xe0y ghi {idDob}.","rwdocs.issueIncomeMismatch":"Thu nhập kh\xf4ng khớp: Phiếu lương cho thấy ~${detected}/th\xe1ng, nhưng đơn đăng k\xfd ghi ${reported}/th\xe1ng.","fxhero.clickAnyStepBelow":"Nhấp v\xe0o bất kỳ bước n\xe0o b\xean dưới","fxhero.onTrack":"Mọi thứ đều đ\xfang tiến độ.","fxcompliance.loading":"Đang kiểm tra trạng th\xe1i đơn của bạn…","fxcompliance.heading":"Trạng th\xe1i đơn của bạn","fxcompliance.footerNote":"C\xf3 thắc mắc? Nh\xe0 m\xf4i giới của bạn l\xe0 người li\xean hệ tốt nhất về c\xe1c chi tiết tu\xe2n thủ cụ thể.","fxcompliance.label.hoepa":"Định gi\xe1 trong giới hạn li\xean bang","fxcompliance.label.state_high_cost":"Định gi\xe1 trong giới hạn tiểu bang","fxcompliance.label.atr":"Tất cả giấy tờ đ\xe3 được x\xe1c minh","fxcompliance.label.ofac":"S\xe0ng lọc danh t\xednh ho\xe0n tất","fxcompliance.detail.hoepa.PASS":"Định gi\xe1 khoản vay của bạn nằm trong giới hạn chi ph\xed cao của li\xean bang.","fxcompliance.detail.hoepa.ATTENTION":"Nh\xe0 m\xf4i giới của bạn đang xem x\xe9t cấu tr\xfac định gi\xe1.","fxcompliance.detail.hoepa.FAIL":"Nh\xe0 m\xf4i giới của bạn sẽ điều chỉnh định gi\xe1 để đ\xe1p ứng giới hạn li\xean bang.","fxcompliance.detail.hoepa.UNKNOWN":"Điều n\xe0y sẽ được kiểm tra khi định gi\xe1 được kh\xf3a.","fxcompliance.detail.state_high_cost.PASS":"Định gi\xe1 khoản vay của bạn nằm trong giới hạn tiểu bang.","fxcompliance.detail.state_high_cost.ATTENTION":"Khoản vay của bạn c\xf3 thể cần th\xeam c\xe1c th\xf4ng tin c\xf4ng bố ri\xeang của tiểu bang — nh\xe0 m\xf4i giới của bạn sẽ xử l\xfd những điều đ\xf3.","fxcompliance.detail.state_high_cost.FAIL":"Vấn đề về giới hạn tiểu bang — nh\xe0 m\xf4i giới của bạn sẽ điều chỉnh.","fxcompliance.detail.state_high_cost.UNKNOWN":"Điều n\xe0y sẽ được kiểm tra khi định gi\xe1 được kh\xf3a.","fxcompliance.detail.atr.PASS":"Tất cả giấy tờ bắt buộc về thu nhập, việc l\xe0m v\xe0 t\xe0i sản đ\xe3 được lưu hồ sơ.","fxcompliance.detail.atr.ATTENTION":"Vẫn c\xf2n thiếu một số giấy tờ — xem bảng điều khiển của bạn.","fxcompl

1iance.detail.atr.FAIL":"Vẫn c\xf2n thiếu một số giấy tờ — xem bảng điều khiển của bạn.","fxcompliance.detail.atr.UNKNOWN":"Điều n\xe0y sẽ được kiểm tra khi bạn tải l\xean t\xe0i liệu.","fxcompliance.detail.ofac.PASS":"S\xe0ng lọc danh t\xednh ho\xe0n tất.","fxcompliance.detail.ofac.ATTENTION":"Nh\xe0 m\xf4i giới của bạn đang xem x\xe9t kết quả s\xe0ng lọc.","fxcompliance.detail.ofac.FAIL":"Nh\xe0 m\xf4i giới của bạn đang xem x\xe9t kết quả s\xe0ng lọc.","fxcompliance.detail.ofac.UNKNOWN":"S\xe0ng lọc danh t\xednh sẽ được thực hiện trước khi thẩm định.","fxvera.online":"TRỰC TUYẾN","fxvera.text":"Nhắn tin","fxvera.labelTextNumber":"Số nhắn tin","fxvera.copyPhone":"Sao ch\xe9p số điện thoại","fxvera.copyPhoneNumber":"Sao ch\xe9p số điện thoại","fxvera.copyTextNumber":"Sao ch\xe9p số nhắn tin","fxvera.copyEmail":"Sao ch\xe9p email","fxvera.copyEmailAddress":"Sao ch\xe9p địa chỉ email","fxvera.newChat":"Tr\xf2 chuyện mới","fxvera.recentChats":"Tr\xf2 chuyện gần đ\xe2y","fxvera.noPastConversations":"Chưa c\xf3 cuộc tr\xf2 chuyện n\xe0o trước đ\xe2y.","fxvera.untitledChat":"Tr\xf2 chuyện chưa đặt t\xean","fxvera.archiveConversation":"Lưu trữ cuộc tr\xf2 chuyện","fxvera.archive":"Lưu trữ","fxvera.showLess":"Hiển thị \xedt hơn","fxvera.viewMore":"Xem th\xeam ({n})","fxvera.relJustNow":"vừa xong","fxvera.relMinutesAgo":"{n} ph\xfat trước","fxvera.relHoursAgo":"{n} giờ trước","fxvera.relDaysAgo":"{n} ng\xe0y trước","fxvera.tryAsking":"Thử hỏi","fxvera.suggestedNextSteps":"C\xe1c bước tiếp theo được đề xuất","fxvera.veraGenerating":"Breeze đang tạo…","fxvera.listening":"Đang nghe…","fxvera.askVeraAnything":"Hỏi Breeze bất cứ điều g\xec…","fxvera.connectionError":"Lỗi kết nối — vui l\xf2ng thử lại sau gi\xe2y l\xe1t.","fxvera.borrowerFooterDefault":"Breeze giải th\xedch c\xe1ch mọi thứ hoạt động — nh\xe0 m\xf4i giới của bạn vẫn xem x\xe9t mọi thứ.","fxvera.copied":"Đ\xe3 sao ch\xe9p","fxvera.copiedBang":"Đ\xe3 sao ch\xe9p!","fxvera.copyMessage":"Sao ch\xe9p tin nhắn","fxvera.copy":"Sao ch\xe9p","fxvera.regenerateResponse":"Tạo lại c\xe2u trả lời","fxvera.regenerate":"Tạo lại","fxvera.stopGenerating":"Dừng tạo","fxvera.stopGeneratingTitle":"Dừng tạo (vẫn giữ lại c\xe2u trả lời hiện tại)","fxvera.stop":"Dừng","fxvera.send":"Gửi","fxdocs.effortOnHand":"Thường c\xf3 sẵn","fxdocs.effortDownload":"Tải xuống trực tuyến","fxdocs.effortPhoto":"Chụp một tấm ảnh","fxdocs.effortRequest":"C\xf3 thể cần phải y\xeau cầu","fxdocs.chunkIdentityHeadline":"Chứng minh bạn l\xe0 ai","fxdocs.chunkIdentityBlurb":"C\xe1c mục về danh t\xednh v\xe0 ph\xe1p l\xfd nhanh ch\xf3ng — thường l\xe0 dễ ho\xe0n th\xe0nh nhất.","fxdocs.categoryIdentity":"Danh t\xednh & Ph\xe1p l\xfd","fxdocs.chunkIncomeHeadline":"Cho thấy c\xe1ch bạn kiếm tiền","fxdocs.chunkIncomeBlurb":"C\xe1ch tiền v\xe0o — phiếu lương, biểu mẫu thuế v\xe0 việc l\xe0m.","fxdocs.categoryIncome":"Thu nhập & Việc l\xe0m","fxdocs.chunkAssetsHeadline":"Cho thấy khoản tiết kiệm của bạn","fxdocs.chunkAssetsBlurb":"Nơi giữ khoản trả trước v\xe0 tiền dự trữ của bạn.","fxdocs.categoryAssets":"T\xe0i sản","fxdocs.chunkPropertyHeadline":"Về bất động sản","fxdocs.chunkPropertyBlurb":"C\xe1c t\xe0i liệu li\xean quan đến căn nh\xe0 v\xe0 khoản vay cụ thể n\xe0y.","fxdocs.categoryProperty":"Bất động sản & Khoản vay","fxdocs.chunkDisclosuresHeadline":"C\xf4ng bố th\xf4ng tin & Sự đồng \xfd","fxdocs.chunkDisclosuresBlurb":"C\xe1c biểu mẫu cần xem x\xe9t v\xe0 x\xe1c nhận.","fxdocs.categoryDisclosures":"C\xf4ng bố th\xf4ng tin","fxdocs.chunkOtherHeadline":"Một v\xe0i mục bổ sung","fxdocs.chunkOtherBlurb":"Một số mục cụ thể cho hồ sơ của bạn.","fxdocs.categoryOther":"Kh\xe1c","fxdocs.chunkProgress":"{done} trong số {total} đ\xe3 xong","fxdocs.chunkAllSet":"Đ\xe3 xong hết phần n\xe0y — l\xe0m tốt lắm. ✓","fxdocs.required":"Bắt buộc","fxdocs.optional":"T\xf9y chọn","fxdocs.whereDoIGetThis":"T\xf4i lấy c\xe1i n\xe0y ở đ\xe2u?","fxdocs.whatIsThis":"Đ\xe2y l\xe0 g\xec?","fxdocs.whatIsThisPrompt":'T\xf4i cần tải l\xean "{name}" nhưng t\xf4i kh\xf4ng chắc ch\xednh x\xe1c đ\xf3 l\xe0 g\xec hoặc l\xe0m thế n\xe0o để c\xf3 được. H\xe3y hướng dẫn t\xf4i t\xe0i liệu n\xe0y l\xe0 g\xec, tại sao khoản vay của t\xf4i cần đến n\xf3, v\xe0 t\xf4i c\xf3 thể t\xecm hoặc y\xeau cầu n\xf3 ở đ\xe2u.',"fxdocs.askTheCoach":"Hỏi người hướng dẫn","fxdocs.upload":"Tải l\xean","fxdocs.actionLeLabel":"Loan Estimate v{version}","fxdocs.actionLeDesc":"Xem x\xe9t l\xe3i suất, khoản thanh to\xe1n h\xe0ng th\xe1ng v\xe0 chi ph\xed kết th\xfac, sau đ\xf3 b\xe0y tỏ \xfd định tiếp tục.","fxdocs.actionCdLabel":"Closing Disclosure v{version}","fxdocs.actionCdDesc":"Điều khoản cuối c\xf9ng v\xe0 tiền mặt cần để kết th\xfac. Luật li\xean bang cho bạn 3 ng\xe0y l\xe0m việc để xem x\xe9t trước khi k\xfd.","fxdocs.actionNocLabel":"Notice of Right to Cancel v{version}","fxdocs.actionNocDesc":"Chỉ \xe1p dụng cho t\xe1i cấp vốn. Cho bạn biết c\xe1ch hủy trong v\xf2ng 3 ng\xe0y l\xe0m việc sau khi kết th\xfac.","fxdocs.actionEsignLabel":"Đ\xe3 y\xeau cầu chữ k\xfd điện tử","fxdocs.actionEsignDesc":"T\xe0i liệu đ\xe3 gửi {date}. Mở li\xean kết k\xfd trong cổng c\xf4ng bố th\xf4ng tin hoặc sử dụng li\xean kết email từ nh\xe0 cung cấp.","fxstages.stage.application":"Đơn đăng k\xfd","fxstages.stage.pricing":"Định gi\xe1","fxstages.stage.processing":"Xử l\xfd","fxstages.stage.underwriting":"Thẩm định","fxstages.stage.conditions":"Điều kiện","fxstages.stage.closing":"Ho\xe0n tất","fxstages.nav.previousStage":"Giai đoạn trước","fxstages.nav.nextStage":"Giai đoạn t

1iếp theo","fxstages.nav.loanStages":"C\xe1c giai đoạn khoản vay","fxstages.nav.ofTotal":"trong số {total}","fxstages.nav.stageLabel":"Giai đoạn {n}: {name}","fxstages.nav.swipeOffTap":"Tắt vuốt \xb7 chạm để bật","fxstages.nav.swipeOnTap":"Bật vuốt \xb7 chạm để tắt","fxstages.nav.completeApp":"Ho\xe0n tất đơn đăng k\xfd của bạn","fxstages.nav.completeAppUnlock":"Ho\xe0n tất đơn đăng k\xfd của bạn để mở kh\xf3a c\xe1c giai đoạn kh\xe1c","fxstages.nav.unlockSwipeAria":"Mở kh\xf3a điều hướng bằng vuốt","fxstages.nav.lockSwipeAria":"Kh\xf3a điều hướng bằng vuốt","fxstages.nav.lockedTitle":"Đ\xe3 kh\xf3a — chạm để mở kh\xf3a vuốt","fxstages.nav.swipeActiveTitle":"Vuốt đang bật — chạm để kh\xf3a","fxstages.nav.locked":"Đ\xe3 kh\xf3a","fxstages.nav.swipeActive":"Vuốt đang bật","fxstages.nav.showTutorial":"Hiển thị hướng dẫn điều hướng","fxstages.nav.swipeLeft":"Vuốt sang tr\xe1i","fxstages.nav.nextStep":"Bước tiếp theo","fxstages.nav.skipAhead":"Bỏ qua tới trước","fxstages.nav.swipeTo":"Vuốt đến {stage}","fxstages.tutorial.title":"Vuốt để điều hướng","fxstages.tutorial.intro":"Bạn c\xf3 thể vuốt sang tr\xe1i hoặc phải để di chuyển giữa c\xe1c giai đoạn.","fxstages.tutorial.bodyDesktop":"Sử dụng n\xfat bật/tắt Kh\xf3a/Mở kh\xf3a ở g\xf3c tr\xean b\xean phải để bật hoặc tắt vuốt bất cứ l\xfac n\xe0o.","fxstages.tutorial.bodyMobile":"Sử dụng n\xfat bật/tắt Kh\xf3a/Mở kh\xf3a vuốt để bật hoặc tắt vuốt bất cứ l\xfac n\xe0o — hoặc chỉ cần chạm n\xfat Quay lại v\xe0 Tiếp theo.","fxstages.tutorial.gotIt":"Đ\xe3 hiểu!","fxstages.preview.bannerTitle":"Xem trước cổng th\xf4ng tin người vay \xb7 {name}","fxstages.preview.veraPrompt":"H\xe3y hướng dẫn t\xf4i c\xe1c bước tiếp theo về khoản vay của t\xf4i v\xe0 những g\xec t\xf4i n\xean tập trung v\xe0o.","fxstages.app.step":"Bước 1: Đơn đăng k\xfd","fxstages.app.titleLine1Complete":"Đơn đăng k\xfd","fxstages.app.titleLine1Fresh":"Bắt đầu","fxstages.app.titleLine1Partial":"H\xe3y ho\xe0n tất","fxstages.app.titleLine2Complete":"Đ\xe3 gửi","fxstages.app.titleLine2Fresh":"Đơn đăng k\xfd","fxstages.app.titleLine2Partial":"Đơn của bạn","fxstages.app.subtitleComplete":"Ch\xfang t\xf4i đ\xe3 nhận được đơn đăng k\xfd của bạn v\xe0 đang chuẩn bị để xử l\xfd.","fxstages.app.subtitleFresh":"Ch\xfang t\xf4i sẽ hướng dẫn bạn qua mẫu thế chấp 1003 ti\xeau chuẩn. Khoảng 15 ph\xfat.","fxstages.app.subtitlePartial":"Bạn đ\xe3 ho\xe0n tất một phần. Chỉ cần th\xeam v\xe0i chi tiết nữa để mở kh\xf3a c\xe1c lựa chọn khoản vay của bạn.","fxstages.app.formStatus":"Trạng th\xe1i biểu mẫu","fxstages.app.documentSystem":"Hệ thống t\xe0i liệu","fxstages.app.docSystemReady":"Sẵn s\xe0ng & Đang hoạt động","fxstages.app.docSystemInit":"Đang khởi tạo...","fxstages.app.complete1003":"Ho\xe0n tất 1003","fxstages.app.review1003":"Xem lại 1003","fxstages.app.viewLiveRates":"Xem l\xe3i suất trực tiếp","fxstages.app.actionRequired":"Cần h\xe0nh động","fxstages.app.actionRequiredMissing":"Cần h\xe0nh động: Thiếu th\xf4ng tin","fxstages.app.missingCountOne":"{n} mục c\xf2n thiếu trước khi xử l\xfd.","fxstages.app.missingCountMany":"{n} mục c\xf2n thiếu trước khi xử l\xfd.","fxstages.app.countLeft":"c\xf2n {n}","fxstages.app.fill":"Điền","fxstages.app.fillOutHere":"Điền v\xe0o đ\xe2y","fxstages.app.liveRateOptions":"Lựa chọn l\xe3i suất trực tiếp","fxstages.app.liveRateOptionsSub":"Dựa tr\xean hồ sơ t\xedn dụng v\xe0 số tiền vay của bạn","fxstages.app.product":"Sản phẩm","fxstages.app.maxLtv":"LTV tối đa","fxstages.app.lockThisRate":"Kh\xf3a l\xe3i suất n\xe0y","fxstages.app.rateSelectedTitle":"Đ\xe3 chọn l\xe3i suất","fxstages.app.rateSelectedMsg":"Đ\xe3 chọn l\xe3i suất {rate}%. Nh\xe0 m\xf4i giới của bạn sẽ x\xe1c nhận v\xe0 kh\xf3a lại.","fxstages.app.saveErrorTitle":"Lỗi khi lưu","fxstages.app.saveErrorMsg":"Kh\xf4ng thể lưu lựa chọn l\xe3i suất.","fxstages.pricing.step":"Bước 2: Định gi\xe1","fxstages.pricing.talkTitle":"H\xe3y trao đổi về l\xe3i suất của bạn","fxstages.pricing.talkBody":"L\xe3i suất của bạn phụ thuộc v\xe0o to\xe0n bộ bức tranh t\xe0i ch\xednh của bạn v\xe0 thay đổi theo thị trường mỗi ng\xe0y. Nh\xe2n vi\xean cho vay của bạn sẽ định gi\xe1 khoản vay với b\xean cho vay v\xe0 hướng dẫn bạn c\xe1c lựa chọn thực tế — v\xe0 bạn sẽ nhận được l\xe3i suất bằng văn bản tr\xean Loan Estimate của m\xecnh.","fxstages.pricing.talkToLo":"Trao đổi với nh\xe2n vi\xean cho vay của bạn","fxstages.pricing.liveRatesTitle":"L\xe3i suất trực tiếp của bạn","fxstages.pricing.liveRatesSub":"Định gi\xe1 theo thời gian thực từ mọi b\xean cho vay b\xe1n sỉ m\xe0 ch\xfang t\xf4i hợp t\xe1c — đ\xe3 được lọc theo 

1những g\xec bạn thá»±c sá»± đủ điều kiện.","fxstages.pricing.openFullPage":"Mở trang định gi\xe1 đầy đủ","fxstages.pricing.noAccess":"Bạn kh\xf4ng c\xf3 quyền truy cập khoản vay n\xe0y.","fxstages.pricing.failedToLoad":"Tải định gi\xe1 kh\xf4ng th\xe0nh c\xf4ng.","fxstages.pricing.loadingRates":"Đang lấy l\xe3i suất trá»±c tiếp từ c\xe1c b\xean cho vay của bạn…","fxstages.pricing.noAccessTitle":"Bạn kh\xf4ng c\xf3 quyền truy cập khoản vay n\xe0y","fxstages.pricing.didntLoadTitle":"Định gi\xe1 kh\xf4ng tải được","fxstages.pricing.missingCreditScore":"Điểm t\xedn dụng (nh\xe0 m\xf4i giới của bạn sẽ kiểm tra)","fxstages.pricing.missingLoanAmount":"Số tiền vay (Bước 6 trong đơn đăng k\xfd của bạn)","fxstages.pricing.missingPropertyValue":"Gi\xe1 trị bất động sản (Bước 6 trong đơn đăng k\xfd của bạn)","fxstages.pricing.missingOccupancy":"C\xe1ch bất động sản sẽ được sá»­ dụng (Bước 6)","fxstages.pricing.missingLoanPurpose":"Mua hoặc t\xe1i cấp vốn (Bước 6)","fxstages.pricing.missingPropertyType":"Loại bất động sản (Bước 6)","fxstages.pricing.missingTitle":"Trước ti\xean cần th\xeam v\xe0i chi tiết","fxstages.pricing.missingSub":"Khi điền xong những mục n\xe0y, ch\xfang t\xf4i sẽ hiển thị l\xe3i suất đủ điều kiện thá»±c tế của bạn.","fxstages.pricing.noProductsTitle":"Hiện kh\xf4ng c\xf3 sản phẩm đủ điều kiện","fxstages.pricing.noProductsBody":"Kh\xf4ng c\xf3 b\xean cho vay n\xe0o trong hồ sÆ¡ c\xf3 sản phẩm ph\xf9 hợp với t\xecnh huống của bạn. H\xe3y li\xean hệ với nh\xe0 m\xf4i giới của bạn — họ c\xf3 thể xem x\xe9t th\xeam c\xe1c chÆ°Æ¡ng tr\xecnh cho vay kh\xe1c.","fxstages.pricing.rateCountOne":"{n} l\xe3i suất tr\xean mạng lưới b\xean cho vay của nh\xe0 m\xf4i giới của bạn","fxstages.pricing.rateCountMany":"{n} l\xe3i suất tr\xean mạng lưới b\xean cho vay của nh\xe0 m\xf4i giới của bạn","fxstages.pricing.perMonth":"{amount}/th\xe1ng","fxstages.pricing.yourBestRate":"L\xe3i suất tốt nhất của bạn","fxstages.pricing.onProduct":"tr\xean {product}","fxstages.pricing.lockNetwork":"Kh\xf3a {days} ng\xe0y \xb7 lấy từ mạng lưới b\xean cho vay của nh\xe0 m\xf4i giới của bạn","fxstages.pricing.monthlyPi":"P&I h\xe0ng th\xe1ng","fxstages.pricing.discountPoints":"Điểm chiết khấu","fxstages.pricing.none":"Kh\xf4ng c\xf3","fxstages.pricing.finalPrice":"Gi\xe1 cuối c\xf9ng","fxstages.processing.required":"Bắt buộc","fxstages.processing.optional":"T\xf9y chọn","fxstages.processing.aiPowered":"Xá»­ l\xfd bằng AI","fxstages.processing.edit1003App":"Chỉnh sá»­a đơn 1003","fxstages.processing.smartDocCenter":"Trung t\xe2m t\xe0i liệu th\xf4ng minh","fxstages.processing.dragDropSub":"K\xe9o v\xe0 thả tệp của bạn v\xe0o bất kỳ đ\xe2u. AI của ch\xfang t\xf4i tá»± động ph\xe2n loại v\xe0 sắp xếp ch\xfang v\xe0o đ\xfang c\xe1c cột b\xean dưới.","fxstages.processing.infoReceived":"Đ\xe3 nhận th\xf4ng tin","fxstages.processing.infoReceivedMsg":"Cảm Æ¡n bạn đ\xe3 cung cấp th\xf4ng tin bảo hiểm. Nh\xf3m của ch\xfang t\xf4i sẽ li\xean hệ để y\xeau cầu c\xe1c t\xe0i liệu ch\xednh x\xe1c m\xe0 ch\xfang t\xf4i cần.","fxstages.processing.actionRequired":"Cần h\xe0nh động","fxstages.processing.homeownersInsurance":"Bảo hiểm chủ nh\xe0","fxstages.processing.asap":"C\xe0ng sớm c\xe0ng tốt","fxstages.processing.insuranceIntro":"H\xe3y chia sẻ th\xf4ng tin li\xean hệ của đại l\xfd bảo hiểm của bạn — ch\xfang t\xf4i sẽ y\xeau cầu trang khai b\xe1o để việc ho\xe0n tất kh\xf4ng bị tr\xec ho\xe3n.","fxstages.processing.insCompanyLabel":"C\xf4ng ty bảo hiểm","fxstages.processing.insCompanyAria":"C\xf4ng ty bảo hiểm chủ nh\xe0","fxstages.processing.insCompanyPlaceholder":"State Farm, Allstate, Lemonade…","fxstages.processing.agentNameLabel":"Họ t\xean đầy đủ của đại l\xfd","fxstages.processing.agentNamePlaceholder":"Jane Smith","fxstages.processing.agentEmailLabel":"Email của đại l\xfd","fxstages.processing.agentEmailPlaceholder":"[email protected]","fxstages.processing.agentPhoneLabel":"Điện thoại của đại l\xfd","fxstages.processing.policyNumberLabel":"Số hợp đồng bảo hiểm","fxstages.processing.quoteNumberLabel":"Số b\xe1o gi\xe1","fxstages.processing.policyNumberPlaceholder":"Số hợp đồng","fxstages.processing.quoteNumberPlaceholder":"Số b\xe1o gi\xe1 nếu bạn c\xf3","fxstages.processing.submitInsurance":"Gá»­i th\xf4ng tin bảo hiểm","fxstages.processing.expertEyebrow":"Bị mắc kẹt? H\xe3y hỏi một người thật.","fxstages.processing.expertBody":"Nh\xe2n vi\xean cho vay hoặc nh\xe0 m\xf4i giới c\xf3 giấy ph\xe9p của bạn c\xf3 thể giải quyết hầu hết mọi thắc mắc về t\xe0i liệu chỉ trong một tin nhắn.","fxstages.processing.expertStat":"Tốc độ phản hồi l\xe0 yếu tố dá»± b\xe1o lớn nhất cho việc ho\xe0n tất đ\xfang hạn. Phản hồi trong v\xf2ng 4 giờ v\xe0 khoản vay của bạn sẽ ho\xe0n tất nhanh hÆ¡n trung b\xecnh khoảng 9 ng\xe0y.","fxstages.uw.step":"Bước 3: Thẩm định","fxstages.uw.titleAiLine1":"Đ\xe1nh gi\xe1 rủi ro","fxstages.uw.titleAiLine2":"bằng AI","fxstages.uw.titleLenderLine1":"Thẩm định của","fxstages.uw.titleLenderLine2":"b\xean cho vay","fxstages.uw.lenderReviewsLead":"Nh\xf3m thẩm định của b\xean cho vay sẽ xem x\xe9t hồ sÆ¡ của bạn sau khi hồ sÆ¡ được gá»­i.","fxstages.uw.lenderReviewsBody":"Bất kỳ điều kiện hoặc kết quả n\xe0o sẽ hiển thị tại đ\xe2y v\xe0 trong danh s\xe1ch Điều kiện của bạn khi ch\xfang được trả về — hiện tại bạn kh\xf4ng cần l\xe0m g\xec cả.","fxstages.uw.analyzing":"Đang ph\xe2n t\xedch dữ liệu...","fxstages.uw.cleanFile":"Hồ sÆ¡ sạch","fxstages.uw.cleanFileBody":"AI kh\xf4ng ph\xe1t hiện yếu tố rủi ro lớn n\xe0o.","fxstages.uw.categoryReview":"Xem x\xe9t {category}","fxstages.uw.autoUwEstimate":"Thẩm định tá»± động (Ước t\xednh)","fxstages.uw.autoUwEstimateDesc":"Chạy ước t\xednh đủ điều kiện m\xf4 phỏng theo kiểu DU/LPA. Đ\xe2y l\xe0 phÆ°Æ¡ng ph\xe1p ước lượng Giai đoạn 1 — kh\xf4ng phải l\xe0 việc nộp trá»±c tiếp cho Fannie Mae hoặc Freddie Mac.","fxstages.uw.runAusEstimate":"Chạy ước t\xednh AUS (m\xf4 phỏng)","fxstages.uw.ausFindings":"Kết quả AUS","fxstages.uw.ausDisclaimer":"Ước t\xednh m\xf4 phỏng — kh\xf4ng phải l\xe0 quyết định thá»±c tế của Fannie Mae DU hoặc Freddie Mac LPA. Điều kiện cuối c\xf9ng do AUS của b\xean cho vay x\xe1c định trong qu\xe1 tr\xecnh thẩm định.","fxstages.closing.clearToClose":"Clear to Close","fxstages.closing.congratulations":"Ch\xfac mừng! Khoản vay của bạn đ\xe3 được ph\xea duyệt ho\xe0n to\xe0n.","fxstages.closing.finalSteps":"C\xe1c bước cuối c\xf9ng","fxstages.closing.finalVerification":"Đ\xe3 ho\xe0n tất x\xe1c minh cuối c\xf9ng","fxstages.closing.cdSent":"Đ\xe3 gá»­i Closing Disclosure","fxstages.closing.pendingSigning":"Đang chờ: Lịch hẹn k\xfd kết","fxstages.closing.downloadApproval":"Tải xuống ph\xea duyệt","fxstages.closing.scheduleSigning":"L\xean lịch k\xfd kết","fxstages.conditions.uploadRejected":"Tải l\xean bị từ chối","fxstages.conditions.unknownError":"lỗi kh\xf4ng x\xe1c định","gxvera.welcomeCampaigns":"H\xe3y c\xf9ng x\xe2y dá»±ng một chiến dịch.","gxvera.tabVera":"Breeze","gxvera.tabYourBroker":"Nh\xe0 m\xf4i giới của bạn","gxvera.tabAssistant":"Trợ l\xfd","gxvera.tabCampaigns":"Chiến dịch","gxdocreq.nameId":"Giấy tờ t\xf9y th\xe2n c\xf3 ảnh","gxdocreq.descId":"Bằng l\xe1i xe, State ID hoặc hộ chiếu c\xf2n hiệu lá»±c","gxdocreq.nameSsCard":"Thẻ Social Security","gxdocreq.descSsCard":"Bản sao thẻ Social Security","gxdocreq.nameGreenCard":"Thẻ xanh (Green Card)","gxdocreq.descGreenCard":"Thẻ thường tr\xfa nh\xe2n (mặt trước v\xe0 mặt sau)","gxdocreq.nameVisa":"Visa / EAD","gxdocreq.descVisa":"Visa hoặc Employment Authorization Document (EAD) c\xf2n hiệu lá»±c","gxdocreq.nameI94":"Hồ sÆ¡ I-94","gxdocreq.descI94":"Hồ sÆ¡ nhập cảnh/xuất cảnh I-94 mới nhất","gxdocreq.nameItin":"ThÆ° ITIN","gxdocreq.descItin":"ThÆ° cấp ITIN của IRS","gxdocreq.namePayStub":"Phiếu lÆ°Æ¡ng","gxdocreq.descPayStub":"Phiếu lÆ°Æ¡ng trong 30 ng\xe0y gần nhất","gxdocreq.nameW2":"Mẫu W-2","gxdocreq.descW2":"Bản W-2 của 2 năm gần nhất","gxdocreq.nameVoe":"X\xe1c minh việc l\xe0m","gxdocreq.descVoe":"VOE bằng văn bản hoặc bằng lời sẽ được y\xeau cầu","gxdocreq.nameOfferLetter":"ThÆ° mời l\xe0m việc / Hợp đồng","gxdocreq.descOfferLetter":"ThÆ° mời l\xe0m việc đ\xe3 k\xfd hoặc hợp đồng lao động cho c\xf4ng việc mới","gxdocreq.namePersonalTaxReturn":"Tờ khai thuế c\xe1 nh\xe2n (1040)","gxdocreq.descPersonalTaxReturn":"Tờ khai thuế c\xe1 nh\xe2n của 2 năm gần nhất k\xe8m tất cả c\xe1c phụ lục (schedule)","gxdocreq.nameBusinessLicense":"Giấy ph\xe9p kinh doanh","gxdocreq.descBusinessLicense":"Giấy ph\xe9p hoặc đăng k\xfd kinh doanh hiện h\xe0nh","gxdocreq.nameProfitAndLoss":"B\xe1o c\xe1o l\xe3i lỗ từ đầu năm đến nay (YTD)","gxdocreq.descProfitAndLoss":"B\xe1o c\xe1o l\xe3i lỗ (P&L) từ đầu năm đến nay c\xf3 chữ k\xfd của người vay","gxdocreq.nameBalanceSheet":"Bảng c\xe2n đối kế to\xe1n","gxdocreq.descBalanceSheet":"Bảng c\xe2n đối kế to\xe1n hiện h\xe0nh","gxdocreq.nameBusinessTaxReturn":"Tờ khai thuế doanh nghiệp","gxdocreq.descBusinessTaxReturn":"Tờ khai thuế doanh nghiệp của 2 năm gần nhất (1120S, 1065) v\xe0 c\xe1c K-1","gxdocreq.nameK1":"C\xe1c mẫu Schedule K-1","gxdocreq.descK1":"C\xe1c K-1 cho tất cả c\xe1c thá»±c thể kinh doanh","gxdocreq.nameCorporateLlc":"T\xe0i liệu c\xf4ng ty/LLC","gxdocreq.descCorporateLlc":"Điều lệ th\xe0nh lập/tổ chức, Thỏa thuận điều h\xe0nh (Operating Agreement)","gxdocreq.namePensionStatement":"ThÆ° x\xe1c nhận trợ cấp hÆ°u tr\xed","gxdocreq.descPensionStatement":"ThÆ° x\xe1c nhận trợ cấp hoặc bản sao k\xea hÆ°u tr\xed hiện h\xe0nh","gxdocreq.nameForm1099R":"Mẫu 1099-R","gxdocreq.descForm1099R":"Mẫu 1099-R của 2 năm gần nhất","gxdocreq.nameSsaAward":"ThÆ° x\xe1c nhận trợ cấp SSA","gxdocreq.descSsaAward":"ThÆ° x\xe1c nhận trợ cấp Social Security hiện h\xe0nh","gxdocreq.nameDivorceDecreeOrder":"Ph\xe1n quyết ly h\xf4n / Lệnh t\xf2a \xe1n","gxdocreq.descDivorceDecreeOrder":"Ph\xe1n quyết ly h\xf4n ho\xe0n chỉnh hoặc lệnh t\xf2a \xe1n n\xeau r\xf5 c\xe1c khoản thanh to\xe1n","gxdocreq.nameProofOfReceipt":"Bằng chứng nhận tiền","gxdocreq.descProofOfReceipt":"Bằng chứng nhận tiền trong 6 th\xe1ng gần nhất (sao k\xea ng\xe2n h\xe0ng hoặc s\xe9c đ\xe3 thanh to\xe1n)","gxdocreq.nameLes":"LES (Leave and Earnings Statement)","gxdocreq.descLes":"Leave and Earnings Statement (LES) mới nhất","gxdocreq.nameScheduleE":"Schedule E (tờ khai thuế)","gxdocreq.descScheduleE":"Đảm bảo Schedule E c\xf3 trong tờ khai thuế","gxdocreq.nameLeaseAgreement":"Hợp đồng thu\xea hiện h\xe0nh","gxdocreq.descLeaseAgreement":"Hợp đồng thu\xea hiện h\xe0nh cho tất cả bất động sản cho thu\xea","gxdocreq.nameBankStatement":"Sao k\xea ng\xe2n h\xe0ng","gxdocreq.descBankStatement":"Sao k\xea đầy đủ của 2 th\xe1ng gần nhất cho tất cả t\xe0i khoản (tất cả c\xe1c trang)","gxdocreq.nameVod":"X\xe1c minh tiền gá»­i","gxdocreq.descVod":"B\xean cho vay c\xf3 thể y\xeau cầu VOD","gxdocreq.nameAssetStatement":"Sao k\xea đầu tÆ°/hÆ°u tr\xed","gxdocreq.descAssetStatement":"Sao k\xea qu\xfd gần nhất","gxdocreq.nameRetirementWithdrawal":"Điều khoản r\xfat tiền hÆ°u tr\xed","gxdocreq.descRetirementWithdrawal":"Điều khoản r\xfat tiền hoặc vay từ t\xe0i khoản hÆ°u tr\xed","gxdocreq.nameGiftLetter":"ThÆ° tặng qu\xe0 (Gift Letter)","gxdocreq.descGiftLetter":"ThÆ° tặng qu\xe0 đ\xe3 k\xfd v\xe0 bằng chứng chuyển tiền","gxdocreq.nameClosingDisclosureSale":"Closing Disclosure (b\xe1n)","gxdocreq.descClosingDisclosureSale":"Closing Disclosure hoặc H\xf3a đơn b\xe1n (Bill of Sale) của t\xe0i sản đ\xe3 b\xe1n","gxdocreq.nameCryptoStatement":"Sao k\xea t\xe0i khoản tiền điện tá»­","gxdocreq.descCryptoStatement":"Sao k\xea chứng minh quyền sở hữu v\xe0 việc thanh khoản nếu cần","gxdocreq.nameTrustAgreement":"Thỏa thuận ủy th\xe1c (Trust Agreement)","gxdocreq.descTrustAgreement":"Thỏa thuận ủy th\xe1c đầy đủ v\xe0 Chứng nhận ủy th\xe1c (Certification of Trust)","gxdocreq.nameStockOption":"Thỏa thuận quyền chọn cổ phiếu","gxdocreq.descStockOption":"Lịch trao quyền (vesting schedule) v\xe0 thỏa thuận quyền chọn","gxdocreq.nameMortgageStatement":"Sao k\xea khoản vay thế chấp","gxdocreq.descMortgageStatement":"Sao k\xea hiện h\xe0nh cho tất cả bất động sản giữ lại","gxdocreq.nameInsuranceDeclaration":"Tờ khai bảo hiểm","gxdocreq.descInsuranceDeclaration":"Hợp đồng bảo hiểm nh\xe0 ở cho tất cả bất động sản giữ lại","gxdocreq.namePropertyTaxBill":"H\xf3a đơn thuế bất động sản","gxdocreq.descPropertyTaxBill":"H\xf3a đơn thuế bất động sản mới nhất cho tất cả bất động sản giữ lại","gxdocreq.nameSalesContract":"Hợp đồng b\xe1n (đang chờ b\xe1n)","gxdocreq.descSalesContract":"Hợp đồng cho bất động sản hiện đang chờ b\xe1n","gxdocreq.nameRentRoll":"Bảng k\xea tiền thu\xea (Rent Roll)","gxdocreq.descRentRoll":"Bảng k\xea tiền thu\xea cho bất động sản đầu tÆ° nhiều căn","gxdocreq.namePurchaseContract":"Hợp đồng mua","gxdocreq.descPurchaseContract":"Hợp đồng mua đ\xe3 được k\xfd kết đầy đủ k\xe8m tất cả c\xe1c phụ lục","gxdocreq.nameEarnestMoney":"Bi\xean nhận tiền đặt cọc thiện ch\xed (Earnest Money)","gxdocreq.descEarnestMoney":"Bằng chứng tiền đặt cọc thiện ch\xed đ\xe3 được ghi nhận v\xe0o t\xe0i khoản","gxdocreq.nameInsuranceBinder":"Giấy chứng nhận bảo hiểm tạm thời (Insurance Binder)","gxdocreq.descInsuranceBinder":"Giấy chứng nhận bảo hiểm tạm thời (binder) cho bất động sản mới","gxdocreq.namePayoffStatement":"Bản k\xea tất to\xe1n khoản vay (Payoff Statement)","gxdocreq.descPayoffStatement":"Bản k\xea tất to\xe1n hiện h\xe0nh cho khoản vay đang được t\xe1i cấp vốn","gxdocreq.nameMortgageNote":"Khế ước thế chấp hiện h\xe0nh (Mortgage Note)","gxdocreq.descMortgageNote":"Bản sao khế ước thế chấp hiện h\xe0nh","gxdocreq.nameHomeInsuranceDeclaration":"Tờ khai bảo hiểm nh\xe0","gxdocreq.descHomeInsuranceDeclaration":"Hợp đồng bảo hiểm hiện h\xe0nh cho bất động sản li\xean quan","gxdocreq.nameLoanEstimate":"Bản ước t\xednh khoản vay (Loan 

1Estimate)","gxdocreq.descLoanEstimate":"Bản ước t\xednh khoản vay (Loan Estimate) cho khoản vay mới","gxdocreq.nameBuilderContract":"Hợp đồng / bản vẽ nh\xe0 thầu x\xe2y dá»±ng","gxdocreq.descBuilderContract":"Hợp đồng x\xe2y dá»±ng v\xe0 bản vẽ","gxdocreq.nameCondoQuestionnaire":"Bảng c\xe2u hỏi về căn hộ chung cÆ° (Condo)","gxdocreq.descCondoQuestionnaire":"Bảng c\xe2u hỏi về căn hộ chung cÆ° đ\xe3 ho\xe0n th\xe0nh","gxdocreq.nameHo6Insurance":"Hợp đồng bảo hiểm HO-6","gxdocreq.descHo6Insurance":"Hợp đồng bảo hiểm phần b\xean trong (walls-in)","gxdocreq.nameBankruptcyDischarge":"Giấy tờ x\xf3a nợ ph\xe1 sản (Discharge)","gxdocreq.descBankruptcyDischarge":"Giấy tờ x\xf3a nợ ph\xe1 sản đầy đủ v\xe0 bảng k\xea (schedule)","gxdocreq.nameLoeBankruptcy":"LOE - Ph\xe1 sản","gxdocreq.descLoeBankruptcy":"ThÆ° giải th\xedch ho\xe0n cảnh ph\xe1 sản","gxdocreq.nameJudgmentExplanation":"Bằng chứng d\xe0n xếp / giải th\xedch","gxdocreq.descJudgmentExplanation":"Bằng chứng đ\xe3 thá»±c hiện xong hoặc giải th\xedch về vụ kiện/ph\xe1n quyết","gxdocreq.nameLoeFederalDebt":"LOE - Nợ li\xean bang","gxdocreq.descLoeFederalDebt":"Giải th\xedch về khoản nợ li\xean bang qu\xe1 hạn","gxdocreq.nameSeparationAgreement":"Thỏa thuận ly th\xe2n","gxdocreq.descSeparationAgreement":"Thỏa thuận ly th\xe2n hợp ph\xe1p","gxdocreq.nameChildSupportOrder":"Lệnh cấp dưỡng nu\xf4i con / cấp dưỡng vợ chồng","gxdocreq.descChildSupportOrder":"Lệnh t\xf2a \xe1n n\xeau chi tiết nghÄ©a vụ","gxdocreq.nameDivorceDecree":"Ph\xe1n quyết ly h\xf4n","gxdocreq.descDivorceDecree":"Ph\xe1n quyết ly h\xf4n c\xf3 đề cập đến nghÄ©a vụ","gxdocreq.nameDd214":"DD-214","gxdocreq.descDd214":"Giấy chứng nhận xuất ngÅ© hoặc giải ngÅ© khỏi nghÄ©a vụ tại ngÅ©","gxdocreq.nameVaCoe":"Giấy chứng nhận đủ điều kiện VA (Certificate of Eligibility)","gxdocreq.descVaCoe":"Giấy chứng nhận đủ điều kiện cho khoản vay VA","gxdocreq.nameStatementOfService":"Giấy x\xe1c nhận phục vụ (Statement of Service)","gxdocreq.descStatementOfService":"Giấy x\xe1c nhận phục vụ từ sÄ© quan chỉ huy","gxdocreq.nameFhaAmendatory":"Điều khoản bổ sung FHA (Amendatory Clause)","gxdocreq.descFhaAmendatory":"Điều khoản bổ sung FHA (Amendatory Clause) đ\xe3 k\xfd","gxdocreq.nameRealEstateCert":"Chứng nhận bất động sản (Real Estate Certification)","gxdocreq.descRealEstateCert":"Chứng nhận bất động sản đ\xe3 k\xfd","gxdocreq.nameVaAnalysis":"Ph\xe2n t\xedch khoản vay VA","gxdocreq.descVaAnalysis":"Bảng t\xednh ph\xe2n t\xedch khoản vay VA","gxdocreq.nameResidualIncome":"Bảng t\xednh thu nhập c\xf2n lại (Residual Income)","gxdocreq.descResidualIncome":"Bảng t\xednh thu nhập c\xf2n lại của VA","gxdocreq.nameUsdaIncome":"Bảng t\xednh thu nhập USDA","gxdocreq.descUsdaIncome":"Bảng t\xednh thu nhập đủ điều kiện USDA","gxdocreq.categoryIdentity":"Danh t\xednh & Ph\xe1p l\xfd","gxdocreq.categoryIncome":"Thu nhập & Việc l\xe0m","gxdocreq.categoryAssets":"T\xe0i sản","gxdocreq.categoryProperty":"Bất động sản & Khoản vay","gxdocreq.categoryDisclosures":"Tờ khai c\xf4ng bố (Disclosures)","gxdocreq.categoryOther":"Kh\xe1c","gxdocreq.countOfTotal":"{completed} tr\xean {total}","gxdocreq.statusVerified":"Đ\xe3 x\xe1c minh","gxdocreq.statusInReview":"Đang xem x\xe9t","gxdocreq.statusRequired":"Bắt buộc","gxdocreq.removeFile":"X\xf3a tệp","gxdocreq.scanning":"Đang qu\xe9t…","gxdocreq.saved":"Đ\xe3 lÆ°u","gxdocreq.awaitingVerification":"Đang chờ x\xe1c minh","gxdocreq.dragDropOrClick":"K\xe9o, thả hoặc nhấp","gxdocreq.replace":"Thay thế","gxdocreq.upload":"Tải l\xean","gxvalidate.title.ethnicity":"Bắt buộc cung cấp nguồn gốc d\xe2n tộc","gxvalidate.msg.ethnicity":'Bạn phải chọn một nguồn gốc d\xe2n tộc hoặc "T\xf4i kh\xf4ng muốn cung cấp".',"gxvalidate.title.sex":"Bắt buộc cung cấp giới t\xednh","gxvalidate.msg.sex":'Bạn phải chọn một giới t\xednh hoặc "T\xf4i kh\xf4ng muốn cung cấp".',"gxvalidate.title.race":"Bắt buộc cung cấp chá»

1§ng tộc","gxvalidate.msg.race":'Bạn phải chọn \xedt nhất một chủng tộc hoặc "T\xf4i kh\xf4ng muốn cung cấp".',"gxvalidate.title.declarations":"Phần khai b\xe1o chÆ°a ho\xe0n tất","gxvalidate.msg.declarations":"Bạn phải trả lời tất cả c\xe1c c\xe2u hỏi khai b\xe1o. ChÆ°a trả lời: {count}.","gxvalidate.title.consent":"Bắt buộc đồng \xfd","gxvalidate.msg.consent":"Bạn phải chấp nhận: {items}.","gxvalidate.consentItem.terms":"Điều khoản dịch vụ","gxvalidate.consentItem.esign":"Đồng \xfd E-Sign","gxvalidate.consentItem.creditAuth":"Ủy quyền t\xedn dụng","gxfiledrop.readingDocument":"Đang đọc t\xe0i liệu của bạn","gxfiledrop.classifyingSubtitle":"Đang ph\xe2n loại loại t\xe0i liệu, tr\xedch xuất dữ liệu v\xe0 sắp xếp v\xe0o đ\xfang cột.","gxfiledrop.step.Scan":"Qu\xe9t","gxfiledrop.step.Classify":"Ph\xe2n loại","gxfiledrop.step.Extract":"Tr\xedch xuất","gxfiledrop.step.Route":"Định tuyến","gxfiledrop.gotIt":"Đ\xe3 hiểu","gxfiledrop.gotNFiles":"Đ\xe3 nhận {count} tập tin","gxfiledrop.autoSortedCount":"{sorted} tr\xean {total} đ\xe3 được tá»± động sắp xếp v\xe0o đ\xfang cột.","gxfiledrop.statusSorted":"Đ\xe3 sắp xếp","gxfiledrop.statusIdentified":"Đ\xe3 x\xe1c định","gxfiledrop.statusNeedsReview":"Cần xem x\xe9t","gxfiledrop.savedToPrefix":"Đ\xe3 lÆ°u v\xe0o ","gxfiledrop.savedToSuffix":".","gxfiledrop.looksLikePrefix":"Tr\xf4ng giống nhÆ° một ","gxfiledrop.looksLikeSuffix":". Bạn cần thả n\xf3 v\xe0o đ\xfang \xf4.","gxfiledrop.unrecognized":"Ch\xfang t\xf4i kh\xf4ng thể nhận biết đ\xe2y l\xe0 g\xec. H\xe3y k\xe9o n\xf3 v\xe0o một \xf4 cụ thể b\xean dưới.","gxfiledrop.aiConfidenceLabel":"Độ tin cậy của AI:","gxfiledrop.imageClarityLabel":"Độ r\xf5 của h\xecnh ảnh:","gxfiledrop.discrepancyHeading":"Kh\xe1c biệt về {category}","gxfiledrop.category.INCOME":"Thu nhập","gxfiledrop.category.IDENTITY":"Danh t\xednh","gxfiledrop.category.ASSETS":"T\xe0i sản","gxfiledrop.category.PROPERTY":"Bất động sản","gxfiledrop.category.FRAUD":"Gian lận","gxfiledrop.makeAChange":"Thá»±c hiện thay đổi","gxfiledrop.processing":"Đang xá»­ l\xfd...","gxfiledrop.autoCorrect":"Tá»± động sá»­a","gxfiledrop.selectMoreFiles":"Chọn th\xeam tập tin","gxfiledrop.uploadDocuments":"Tải l\xean t\xe0i liệu","gxfiledrop.dragDropPrefix":"K\xe9o v\xe0 thả ","gxfiledrop.dragDropPdfs":"tập tin PDF","gxfiledrop.dragDropMid":" hoặc ","gxfiledrop.dragDropImages":"h\xecnh ảnh","gxfiledrop.dragDropSuffix":" v\xe0o bất kỳ đ\xe2u, hoặc nhấp để duyệt t\xecm.","gxfiledrop.aiAutoClassifies":"AI tá»± động ph\xe2n loại v\xe0 sắp xếp từng tập tin v\xe0o đ\xfang cột.","gxfiledrop.chip.Paystubs":"Phiếu lÆ°Æ¡ng","gxfiledrop.chip.W-2s":"W-2","gxfiledrop.chip.Bank Statements":"Sao k\xea ng\xe2n h\xe0ng","gxfiledrop.chip.IDs":"Giấy tờ t\xf9y th\xe2n","gxfiledrop.chip.Tax Returns":"Tờ khai thuế","gxfiledrop.toastFilesEmpty":"{count} tập tin tr\xf4ng trống — h\xe3y xuất lại v\xe0 thá»­ lại.","gxfiledrop.toastActionableItems":"Tr\xecnh xá»­ l\xfd AI đ\xe3 t\xecm thấy {count} mục cần xá»­ l\xfd tr\xean {file}.","gxfiledrop.toastAutoClearedOne":"1 mục h\xe0nh động đ\xe3 được tá»± động xá»­ l\xfd: {titles}","gxfiledrop.toastAutoClearedMany":"{count} mục h\xe0nh động đ\xe3 được tá»± động xá»­ l\xfd: {titles}","gxfiledrop.toastAutoClearedMore":" (+{count} mục nữa)","gxfiledrop.toast1003Updated":"Đơn đăng k\xfd 1003 đ\xe3 được cập nhật th\xe0nh c\xf4ng.","gxfiledrop.toastLoeSent":"Y\xeau cầu LOE đ\xe3 được gá»­i đến Cổng th\xf4ng tin cá»

1§a người vay.","gxfiledrop.toastAppraisalCreated":"Đ\xe3 tạo nhiệm vụ thẩm định.","gxfiledrop.toastActionFailed":"Kh\xf4ng thể thá»±c hiện h\xe0nh động.","gxfiledrop.toast1003FromDoc":"1003 đ\xe3 được cập nhật từ t\xe0i liệu.","r4stage.application.label":"Đơn xin vay","r4stage.application.headline":"Bạn đ\xe3 điền mẫu 1003 — khoản vay đ\xe3 ch\xednh thức bắt đầu.","r4stage.application.whatHappens":"Nh\xe2n vi\xean cho vay của bạn lấy dữ liệu đơn xin vay v\xe0 thá»±c hiện c\xe1c kiểm tra ban đầu: x\xe1c minh danh t\xednh (Socure / OFAC), ủy quyền k\xe9o t\xedn dụng, v\xe0 một ph\xe9p t\xednh đủ điều kiện sÆ¡ bộ để thiết lập c\xe1c th\xf4ng số của khoản vay. ChÆ°a c\xf3 g\xec được kh\xf3a lại.","r4stage.application.typicalDuration":"Thường trong c\xf9ng ng\xe0y — nh\xe0 m\xf4i giới xem x\xe9t trong v\xf2ng v\xe0i giờ sau khi nộp.","r4stage.application.prepare.0":"H\xe3y chuẩn bị sẵn c\xe1c mẫu W-2 v\xe0 phiếu lÆ°Æ¡ng của 2 năm gần nhất — hầu hết c\xe1c b\xean cho vay sẽ y\xeau cầu những giấy tờ n\xe0y trong giai đoạn tiếp theo.","r4stage.application.prepare.1":"Nếu bạn tá»± kinh doanh, h\xe3y thu thập 2 năm tờ khai thuế c\xe1 nh\xe2n v\xe0 doanh nghiệp c\xf9ng với Schedule C / K-1.","r4stage.application.prepare.2":"Tập hợp c\xe1c sao k\xea trong 60 ng\xe0y gần nhất của mọi t\xe0i khoản ng\xe2n h\xe0ng, m\xf4i giới v\xe0 hÆ°u tr\xed.","r4stage.application.prepare.3":"Giấy tờ t\xf9y th\xe2n c\xf3 ảnh do ch\xednh phủ cấp — bằng l\xe1i xe hoặc hộ chiếu.","r4stage.application.gotchas.0":"Địa chỉ kh\xf4ng khớp giữa sao k\xea ng\xe2n h\xe0ng v\xe0 mẫu 1003 của bạn — c\xe1c c\xf4ng ty bảo hiểm quyền sở hữu sẽ đ\xe1nh dấu những điểm n\xe0y.","r4stage.application.gotchas.1":'C\xe1c khoản tiền lớn mới gá»­i gần đ\xe2y m\xe0 kh\xf4ng phải l\xe0 gá»­i trá»±c tiếp — người thẩm định sẽ cần một thÆ° giải tr\xecnh "nguồn gốc".',"r4stage.application.gotchas.2":"Thay đổi c\xf4ng việc trong 2 năm gần nhất — h\xe3y mang theo thÆ° mời l\xe0m việc / mẫu W-2 từ chủ lao động trước đ\xf3.","r4stage.priced.label":"Đ\xe3 định gi\xe1","r4stage.priced.headline":"L\xe3i suất v\xe0 chÆ°Æ¡ng tr\xecnh của bạn đ\xe3 được chọn (v\xe0 c\xf3 thể đ\xe3 được kh\xf3a).","r4stage.priced.whatHappens":"Nh\xe0 m\xf4i giới của bạn chạy c\xe1c kịch bản tr\xean mạng lưới b\xean cho vay của họ v\xe0 chọn ra sá»± kết hợp tốt nhất giữa l\xe3i suất, điểm v\xe0 b\xean cho vay cho hồ sÆ¡ của bạn. Nếu thị trường đang biến động, họ sẽ trao đổi về thời điểm kh\xf3a l\xe3i suất — một khi đ\xe3 kh\xf3a, l\xe3i suất thường được giữ trong 30 / 45 / 60 ng\xe0y.","r4stage.priced.typicalDuration":"Quyết định kh\xf3a l\xe3i suất: 1-3 ng\xe0y kể từ khi nộp đơn. Bản th\xe2n việc kh\xf3a c\xf3 thể c\xf3 hiệu lá»±c trong 30-60 ng\xe0y.","r4stage.priced.prepare.0":"Nắm r\xf5 thời gian của bạn — thời hạn kh\xf3a l\xe3i suất c\xe0ng k\xe9o d\xe0i c\xe0ng tốn k\xe9m, n\xean kh\xf3a 60 ng\xe0y tốn nhiều hÆ¡n kh\xf3a 30 ng\xe0y.","r4stage.priced.prepare.1":"Quyết định xem bạn c\xf3 muốn trả điểm để giảm l\xe3i suất kh\xf4ng. H\xe3y d\xf9ng c\xf4ng cụ t\xednh buy-down tr\xean cổng th\xf4ng tin người vay.","r4stage.priced.prepare.2":'Nếu bạn chÆ°a sẵn s\xe0ng kh\xf3a l\xe3i suất, h\xe3y hỏi nh\xe0 m\xf4i giới về t\xf9y chọn "float-down" — trả một khoản ph\xed nhỏ để kh\xf3a lại ở mức l\xe3i suất thấp hÆ¡n nếu thị trường giảm.',"r4stage.priced.gotchas.0":"Hạn ch\xf3t hết hạn kh\xf3a l\xe3i suất: nếu khoản vay của bạn bỏ lỡ khung thời gian kh\xf3a, l\xe3i suất sẽ được định lại theo thị trường hiện tại — c\xf3 thể tệ hÆ¡n.","r4stage.priced.gotchas.1":"Bảng l\xe3i suất thay đổi hằng ng\xe0y (đ\xf4i khi trong ng\xe0y). Mức l\xe3i suất bạn nghe v\xe0o thứ Hai c\xf3 thể kh\xf4ng c\xf2n tồn tại v\xe0o s\xe1ng thứ Ba.","r4stage.priced.gotchas.2":"Việc đổi b\xean cho vay sau khi đ\xe3 kh\xf3a l\xe3i suất thường đ\xf2i hỏi phải hủy kh\xf3a v\xe0 kh\xf3a lại với b\xean cho vay mới — thường k\xe8m theo một khoản ph\xed.","r4stage.leIssued.label":"Đ\xe3 ph\xe1t h\xe0nh LE","r4stage.leIssued.headline":"Bản Ước t\xednh Khoản vay (Loan 

1Estimate) li\xean bang của bạn đ\xe3 được giao (thời hạn 3 ng\xe0y theo quy định).","r4stage.leIssued.whatHappens":'Luật li\xean bang (TRID) y\xeau cầu b\xean cho vay ph\xe1t h\xe0nh Bản Ước t\xednh Khoản vay trong v\xf2ng 3 ng\xe0y l\xe0m việc kể từ khi c\xf3 một "đơn xin vay ho\xe0n chỉnh". LE cho thấy l\xe3i suất, khoản thanh to\xe1n h\xe0ng th\xe1ng, to\xe0n bộ chi ph\xed ho\xe0n tất v\xe0 số tiền mặt cần để ho\xe0n tất của bạn. Bạn c\xf3 cÆ¡ hội so s\xe1nh với c\xe1c b\xean cho vay kh\xe1c nếu đang tham khảo.',"r4stage.leIssued.typicalDuration":"Được ph\xe1t h\xe0nh trong v\xf2ng 3 ng\xe0y l\xe0m việc kể từ khi nộp đơn. Người vay c\xf3 10 ng\xe0y l\xe0m việc để phản hồi / tham khảo.","r4stage.leIssued.prepare.0":"Đọc kỹ bản LE — trang 1 n\xeau c\xe1c điều khoản khoản vay; trang 2 l\xe0 chi tiết chi ph\xed ho\xe0n tất.","r4stage.leIssued.prepare.1":"So s\xe1nh với bất kỳ bản LE n\xe0o từ c\xe1c b\xean cho vay kh\xe1c. Định dạng do li\xean bang quy định gi\xfap ch\xfang c\xf3 thể so s\xe1nh tÆ°Æ¡ng đương với nhau.","r4stage.leIssued.prepare.2":"LÆ°u giữ bản LE — sau n\xe0y bạn sẽ nhận được Bản C\xf4ng bố Ho\xe0n tất (Closing Disclosure) phải khớp với n\xf3 trong c\xe1c mức dung sai cho ph\xe9p.","r4stage.leIssued.gotchas.0":"Một số chi ph\xed ho\xe0n tất (ph\xed của b\xean cho vay) thuộc loại dung sai bằng kh\xf4ng — ch\xfang kh\xf4ng được tăng giữa LE v\xe0 CD.","r4stage.leIssued.gotchas.1":"C\xe1c chi ph\xed kh\xe1c (đăng k\xfd, quyền sở hữu) c\xf3 mức dung sai 10%.","r4stage.leIssued.gotchas.2":'Một sá»± kiện "c\xf4ng bố lần ba" (thay đổi l\xe3i suất > 0,125%, thay đổi chÆ°Æ¡ng tr\xecnh vay) sẽ khởi động lại đồng hồ đếm 3 ng\xe0y l\xe0m việc.',"r4stage.ausRun.label":"AUS","r4stage.ausRun.headline":"Hệ thống thẩm định tá»± động (DU hoặc LP) đ\xe3 chạy — đ\xf3 l\xe0 v\xe9 th\xf4ng quan của b\xean cho vay.","r4stage.ausRun.whatHappens":'Hồ sÆ¡ của bạn được chạy qua Desktop Underwriter (DU) của Fannie Mae hoặc Loan Prospector (LP) của Freddie Mac. Hệ thống trả về một b\xe1o c\xe1o "findings": APPROVE / ELIGIBLE / REFER / REFER WITH CAUTION, k\xe8m theo danh s\xe1ch c\xe1c điều kiện bạn cần đ\xe1p ứng.',"r4stage.ausRun.typicalDuration":"Bản th\xe2n việc chạy AUS: v\xe0i ph\xfat. Việc giải quyết c\xe1c điều kiện ph\xe1t sinh: 1-3 tuần t\xf9y v\xe0o mức độ sẵn c\xf3 của giấy tờ.","r4stage.ausRun.prepare.0":"H\xe3y đọc bản findings nếu nh\xe0 m\xf4i giới chia sẻ — danh s\xe1ch điều kiện ch\xednh l\xe0 lộ tr\xecnh dẫn đến ho\xe0n tất.","r4stage.ausRun.prepare.1":"Hầu hết c\xe1c điều kiện l\xe0 giấy tờ bạn c\xf3 thể tải l\xean ngay b\xe2y giờ (phiếu lÆ°Æ¡ng, sao k\xea, giấy tờ t\xf9y th\xe2n).","r4stage.ausRun.prepare.2":"Một số điều kiện l\xe0 phần giải tr\xecnh — ThÆ° Giải tr\xecnh cho một khoản thanh to\xe1n trễ, một khoản tiền gá»­i lớn, v.v. Cổng th\xf4ng tin c\xf3 c\xf4ng cụ soạn thảo hỗ trợ bởi Breeze gi\xfap bạn viết những thÆ° n\xe0y.","r4stage.ausRun.gotchas.0":'"Refer" kh\xf4ng c\xf3 nghÄ©a l\xe0 bị từ chối — n\xf3 c\xf3 nghÄ©a l\xe0 cần người thẩm định xem x\xe9t thủ c\xf4ng. Điều n\xe0y thường gặp với thu nhập kh\xf4ng truyền thống.',"r4stage.ausRun.gotchas.1":"AUS c\xf3 thể chạy lại khi bạn giải quyết xong c\xe1c điều kiện — đ\xf4i khi lần chạy thứ hai n\xe2ng kết quả từ REFER l\xean APPROVE.","r4stage.ausRun.gotchas.2":"T\xednh đủ điều kiện của Fannie hoặc Freddie c\xf3 thể thay đổi giữa chừng nếu l\xe3i suất / gi\xe1 cả thay đổi. Nh\xe0 m\xf4i giới của bạn theo d\xf5i điều n\xe0y.","r4stage.submitted.label":"Đ\xe3 nộp","r4stage.submitted.headline":"Hồ sÆ¡ đầy đủ của bạn đang ở b\xean cho vay để thẩm định bởi con người.","r4stage.submitted.whatHappens":'Nh\xe0 m\xf4i giới của bạn g\xf3i đơn xin vay, to\xe0n bộ giấy tờ, kết quả AUS v\xe0 c\xe1c LOE hỗ trợ th\xe0nh một "g\xf3i nộp hồ sÆ¡" v\xe0 gá»­i đến bộ phận thẩm định của b\xean cho vay. Một người thẩm định thá»±c sá»± xem x\xe9t từng d\xf2ng. Bạn c\xf3 thể nhận được ph\xea duyệt c\xf3 điều kiện (phổ biến nhất) — c\xe1c mục bổ sung cần giải quyết trước khi ho\xe0n tất.',"r4stage.submitted.typicalDuration":"Quyết định ban đầu thường mất 3-7 ng\xe0y l\xe0m việc. Ph\xea duyệt c\xf3 điều kiện l\xe0 phổ biến — việc giải quyết c\xe1c điều kiện đ\xf3 mất th\xeam 1-2 tuần.","r4stage.submitted.prepare.0":"H\xe3y lu\xf4n sẵn s\xe0ng li\xean lạc — người thẩm định c\xf3 thể c\xf3 c\xe1c c\xe2u hỏi tiếp theo cần trả lời nhanh (trong v\xf2ng 24-48 giờ).","r4stage.submitted.prepare.1":"Đừng mua sắm lớn hoặc mở c\xe1c hạn mức t\xedn dụng mới. Người thẩm định sẽ k\xe9o lại t\xedn dụng trước khi ho\xe0n tất, v\xe0 một khoản vay mua xe mới c\xf3 thể l\xe0m tăng vọt DTI của bạn.","r4stage.submitted.prepare.2":"Đừng thay đổi c\xf4ng việc hoặc nguồn thu nhập nếu c\xf3 thể tr\xe1nh được.","r4stage.submitted.gotchas.0":"Thời gian xá»­ l\xfd thẩm định kh\xe1c nhau rất nhiều t\xf9y b\xean cho vay — một số l\xe0 24 giờ, số kh\xe1c l\xe0 7-10 ng\xe0y l\xe0m việc.","r4stage.submitted.gotchas.1":"C\xe1c b\xean cho vay đ\xf4i khi x\xe1c minh lại việc l\xe0m (VOE) trong v\xf2ng 10 ng\xe0y trước khi ho\xe0n tất — nếu bạn đ\xe3 nộp đơn xin nghỉ, họ sẽ ph\xe1t hiện.","r4stage.submitted.gotchas.2":"Sá»± ch\xeanh lệch trong tờ khai thuế (thu nhập tr\xean tờ khai so với phiếu lÆ°Æ¡ng) thường xuất hiện ở giai đoạn n\xe0y. H\xe3y sẵn s\xe0ng giải tr\xecnh.","r4stage.cdIssued.label":"Đ\xe3 ph\xe1t h\xe0nh CD","r4stage.cdIssued.headline":"Bản C\xf4ng bố Ho\xe0n tất (Closing Disclosure) đ\xe3 được giao — t\xe0i liệu số liệu cuối c\xf9ng theo y\xeau cầu của li\xean bang.","r4stage.cdIssued.whatHappens":"Luật li\xean bang (TRID) y\xeau cầu bạn nhận được CD \xedt nhất 3 ng\xe0y l\xe0m việc trước khi ho\xe0n tất. CD l\xe0 phi\xean bản cuối c\xf9ng của LE, với c\xe1c con số đ\xe3 chốt. Bạn so s\xe1nh n\xf3 với LE — bất kỳ điều g\xec nằm ngo\xe0i c\xe1c mức dung sai đều cần khắc phục hoặc c\xf4ng bố lại.","r4stage.cdIssued.typicalDuration":"CD được ph\xe1t h\xe0nh \xedt nhất 3 ng\xe0y l\xe0m việc trước khi ho\xe0n tất. Hầu hết người vay nhận được n\xf3 trước 5-7 ng\xe0y.","r4stage.cdIssued.prepare.0":"So s\xe1nh song song CD với LE. Trang 2 l\xe0 chi tiết chi ph\xed ho\xe0n tất.","r4stage.cdIssued.prepare.1":"Kiểm tra số tiền mặt cần để ho\xe0n tất ở trang 1 — đ\xf3 l\xe0 số tiền ch\xednh x\xe1c bạn cần chuyển khoản v\xe0o ng\xe0y ho\xe0n tất.","r4stage.cdIssued.prepare.2":"Đừng thá»±c hiện BẤT KỲ thay đổi n\xe0o đối với t\xe0i ch\xednh của bạn trong giai đoạn c\xe2n nhắc 3 ng\xe0y — ch\xfang sẽ k\xedch hoạt việc c\xf4ng bố lại v\xe0 đặt lại đồng hồ 3 ng\xe0y.","r4stage.cdIssued.gotchas.0":"Những thay đổi quan trọng (chÆ°Æ¡ng tr\xecnh vay, APR tăng > 0,125%) sẽ khởi động lại đồng hồ 3 ng\xe0y. Điều n\xe0y đẩy l\xf9i ng\xe0y ho\xe0n tất.","r4stage.cdIssued.gotchas.1":"Những thay đổi nhỏ (sá»­a lá

1»—i ch\xednh tả, điều chỉnh ph\xed nhỏ) kh\xf4ng khởi động lại đồng hồ — nhÆ°ng những thay đổi lớn th\xec c\xf3.","r4stage.cdIssued.gotchas.2":"Số tiền mặt cần để ho\xe0n tất tr\xean CD l\xe0 ch\xednh x\xe1c. H\xe3y chuyển khoản đ\xfang số tiền đ\xf3; đừng l\xe0m tr\xf2n.","r4stage.signed.label":"Đ\xe3 k\xfd","r4stage.signed.headline":"Bạn đ\xe3 k\xfd g\xf3i hồ sÆ¡ ho\xe0n tất — Giấy Nợ (Note), Văn tá»± T\xedn th\xe1c (Deed of Trust), x\xe1c nhận CD.","r4stage.signed.whatHappens":"Ng\xe0y ho\xe0n tất. Bạn k\xfd 60-100 trang t\xe0i liệu — Giấy Nợ (cam kết trả tiền của bạn), Văn tá»± T\xedn th\xe1c (quyền cầm giữ đối với ng\xf4i nh\xe0), x\xe1c nhận CD, v\xe0 nhiều bản c\xf4ng bố kh\xe1c nhau. C\xf3 thể thá»±c hiện trá»±c tiếp tại c\xf4ng ty bảo hiểm quyền sở hữu hoặc từ xa (RON — C\xf4ng chứng Trá»±c tuyến Từ xa). Đối với khoản vay mua nh\xe0, b\xean b\xe1n k\xfd c\xf9ng l\xfac.","r4stage.signed.typicalDuration":"Buổi hẹn k\xfd: 60-90 ph\xfat. Từ l\xfac k\xfd đến l\xfac giải ng\xe2n c\xf3 thể trong c\xf9ng ng\xe0y hoặc l\xean đến v\xe0i ng\xe0y đối với khoản t\xe1i cấp vốn.","r4stage.signed.prepare.0":"H\xe3y mang theo giấy tờ t\xf9y th\xe2n c\xf3 ảnh do ch\xednh phủ cấp. Mỗi người đồng vay cần c\xf3 giấy tờ ri\xeang.","r4stage.signed.prepare.1":"Chuyển khoản số tiền mặt cần để ho\xe0n tất (hoặc mang theo s\xe9c ng\xe2n h\xe0ng) — c\xe1c c\xf4ng ty bảo hiểm quyền sở hữu thường kh\xf4ng nhận s\xe9c c\xe1 nh\xe2n.","r4stage.signed.prepare.2":"H\xe3y d\xe0nh 60-90 ph\xfat cho buổi hẹn. Đọc những g\xec bạn đang k\xfd — bạn c\xf3 quyền l\xe0m vậy.","r4stage.signed.gotchas.0":"GIAN LẬN CHUYỂN KHOẢN: Lu\xf4n x\xe1c minh hướng dẫn chuyển khoản bằng lời n\xf3i, qua điện thoại, với số điện thoại bạn tá»± tra cứu một c\xe1ch độc lập. Hướng dẫn chuyển khoản qua email thường xuy\xean bị giả mạo.","r4stage.signed.gotchas.1":"Đối với khoản t\xe1i cấp vốn, luật li\xean bang cho bạn quyền hủy bỏ trong 3 ng\xe0y — bạn c\xf3 thể hủy v\xe0 đảo ngược giao dịch trong v\xf2ng 3 ng\xe0y l\xe0m việc sau khi k\xfd.","r4stage.signed.gotchas.2":"Đối với việc mua nh\xe0, th\xf4ng thường bạn CHƯA được v\xe0o nh\xe0 cho đến khi việc giải ng\xe2n ho\xe0n tất (giai đoạn tiếp theo), ngay cả sau khi đ\xe3 k\xfd.","r4stage.funded.label":"Đ\xe3 giải ng\xe2n","r4stage.funded.headline":"Khoản vay đ\xe3 được giải ng\xe2n — ng\xf4i nh\xe0 ch\xednh thức thuộc về bạn / việc t\xe1i cấp vốn đ\xe3 ho\xe0n tất.","r4stage.funded.whatHappens":"B\xean cho vay chuyển khoản tiền vay đến c\xf4ng ty bảo hiểm quyền sở hữu, c\xf4ng ty n\xe0y giải ng\xe2n cho b\xean b\xe1n (mua nh\xe0) hoặc thanh to\xe1n khoản thế chấp trước đ\xf3 (t\xe1i cấp vốn). Sau khi x\xe1c nhận đ\xe3 nhận được tiền, c\xf4ng ty bảo hiểm quyền sở hữu đăng k\xfd văn tá»± v\xe0 khoản thế chấp mới với quận. Bạn nhận được ch\xeca kh\xf3a (mua nh\xe0) hoặc khoản vay trước đ\xf3 được tất to\xe1n (t\xe1i cấp vốn).","r4stage.funded.typicalDuration":"Đối với mua nh\xe0: c\xf9ng ng\xe0y hoặc ng\xe0y h\xf4m sau khi k\xfd. Đối với t\xe1i cấp vốn: thường giải ng\xe2n 3 ng\xe0y l\xe0m việc sau khi k\xfd (cá»­a sổ quyền hủy bỏ).","r4stage.funded.prepare.0":"LÆ°u giữ g\xf3i hồ sÆ¡ ho\xe0n tất của bạn — giữ cả bản số v\xe0 bản giấy. Bạn sẽ cần n\xf3 cho việc khai thuế (khả năng khấu trừ chi ph\xed ho\xe0n tất) v\xe0 cho bất kỳ lần t\xe1i cấp vốn n\xe0o sau n\xe0y.","r4stage.funded.prepare.1":"Thiết lập khoản thanh to\xe1n thế chấp đầu ti\xean của bạn: thường đến hạn 30-45 ng\xe0y sau khi ho\xe0n tất. Hầu hết c\xe1c b\xean cho vay sẽ tá»± động tr\xedch nợ nếu bạn thiết lập ACH; nếu kh\xf4ng, bạn sẽ nhận được một cuốn sổ phiếu thanh to\xe1n.","r4stage.funded.prepare.2":"Cập nhật bảo hiểm nh\xe0 ở v\xe0 c\xe1c dịch vụ tiện \xedch của bạn sang bất động sản mới.","r4stage.funded.gotchas.0":"Kiểm tra c\xe1c t\xe0i liệu đ\xe3 đăng k\xfd tại văn ph\xf2ng đăng k\xfd của quận v\xe0i ng\xe0y sau khi ho\xe0n tất — x\xe1c nhận văn tá»± đứng t\xean bạn v\xe0 khoản thế chấp được đăng k\xfd đối với bạn.","r4stage.funded.gotchas.1":'Bạn sẽ nhận được mẫu "1098 l\xe3i vay thế chấp" từ b\xean cho vay v\xe0o cuối năm — h\xe3y g

1iữ n\xf3 cho tờ khai thuế của bạn.',"r4stage.funded.gotchas.2":'Việc chuyển giao dịch vụ quản l\xfd khoản vay (servicing) sẽ xảy ra — b\xean cho vay đ\xe3 giải ng\xe2n khoản vay của bạn thường KH\xd4NG phải l\xe0 b\xean bạn sẽ gửi thanh to\xe1n đến. H\xe3y để \xfd đến "thư tạm biệt / thư ch\xe0o mừng" trong hộp thư.',"r4insights.payStubExpired.title":"Phiếu lương đ\xe3 qu\xe1 30 ng\xe0y","r4insights.payStubExpired.explanation":"Phiếu lương gần đ\xe2y nhất của qu\xfd vị c\xf3 ng\xe0y qu\xe1 cũ so với hồ sơ của ch\xfang t\xf4i. Trước khi ho\xe0n tất, b\xean cho vay cần xem phiếu lương trong v\xf2ng 30 ng\xe0y gần đ\xe2y.","r4insights.payStubExpired.nextStep":"H\xe3y gửi cho ch\xfang t\xf4i phiếu lương gần đ\xe2y nhất của qu\xfd vị.","r4insights.payStubExpired.uploadLabel":"Tải l\xean phiếu lương","r4insights.overtimeDetected.title":"Ph\xe1t hiện tiền l\xe0m th\xeam giờ tr\xean phiếu lương của qu\xfd vị","r4insights.overtimeDetected.explanation":"Một phần thu nhập của qu\xfd vị l\xe0 tiền l\xe0m th\xeam giờ. Ch\xfang t\xf4i thường c\xf3 thể t\xednh tiền l\xe0m th\xeam giờ v\xe0o điều kiện đủ ti\xeau chuẩn của qu\xfd vị nếu khoản đ\xf3 ổn định trong 2 năm trở l\xean.","r4insights.overtimeDetected.nextStep":"H\xe3y sẵn s\xe0ng cung cấp lịch sử thu nhập 24 th\xe1ng nếu nh\xe2n vi\xean cho vay của qu\xfd vị y\xeau cầu.","r4insights.commissionBonus.title":"Tiền hoa hồng hoặc tiền thưởng tr\xean phiếu lương của qu\xfd vị","r4insights.commissionBonus.explanation":"Thu nhập kh\xf4ng cố định (hoa hồng/tiền thưởng) được t\xednh v\xe0o điều kiện đủ ti\xeau chuẩn của qu\xfd vị, nhưng b\xean cho vay xem x\xe9t mức trung b\xecnh 2 năm để đảm bảo t\xednh ổn định.","r4insights.commissionBonus.nextStep":"H\xe3y chuẩn bị sẵn W-2 của năm ngo\xe1i v\xe0 2 phiếu lương gần nhất.","r4insights.selfEmploymentNoted.title":"Đ\xe3 ghi nhận thu nhập tự kinh doanh","r4insights.selfEmploymentNoted.explanation":"Thu nhập tự kinh doanh cần th\xeam một v\xe0i t\xe0i liệu để x\xe1c minh. B\xean cho vay cần xem tờ khai thuế v\xe0 hồ sơ kinh doanh của qu\xfd vị để t\xednh khoản đ\xf3.","r4insights.selfEmploymentNoted.nextStep":"H\xe3y thu thập tờ khai thuế c\xe1 nh\xe2n + doanh nghiệp của 2 năm v\xe0 giấy ph\xe9p kinh doanh.","r4insights.scheduleCNetLoss.title":"Tờ khai thuế cho thấy khoản lỗ kinh doanh","r4insights.scheduleCNetLoss.explanation":"Tờ khai thuế gần đ\xe2y nhất của qu\xfd vị b\xe1o c\xe1o một khoản lỗ từ hoạt động tự kinh doanh. Điều n\xe0y c\xf3 thể l\xe0m giảm số thu nhập được t\xednh v\xe0o khoản vay của qu\xfd vị.","r4insights.scheduleCNetLoss.nextStep":"H\xe3y trao đổi về vấn đề n\xe0y với nh\xe2n vi\xean cho vay của qu\xfd vị — họ c\xf3 thể cho qu\xfd vị biết những năm n\xe0o được t\xednh.","r4insights.scheduleCConfirmed.title":"Đ\xe3 x\xe1c nhận thu nhập tự kinh doanh","r4insights.scheduleCConfirmed.explanation":"Tờ khai thuế của qu\xfd vị cho thấy thu nhập tự kinh doanh ổn định. Ch\xfang t\xf4i sẽ lấy trung b\xecnh khoản n\xe0y với năm trước để x\xe1c định số tiền đủ ti\xeau chuẩn của qu\xfd vị.","r4insights.appraisalBelowContract.title":"Kết quả thẩm định gi\xe1 thấp hơn gi\xe1 hợp đồng","r4insights.appraisalBelowContract.explanation":"Người thẩm định định gi\xe1 căn nh\xe0 thấp hơn số tiền qu\xfd vị đồng \xfd trả. Qu\xfd vị sẽ cần mang th\xeam tiền mặt khi ho\xe0n tất, thương lượng lại gi\xe1, hoặc y\xeau cầu xem x\xe9t lại kết quả thẩm định gi\xe1.","r4insights.appraisalBelowContract.nextStep":"H\xe3y trao đổi với người m\xf4i giới v\xe0 nh\xe2n vi\xean cho vay của qu\xfd vị để quyết định hướng đi ph\xf9 hợp nhất.","r4insights.appraisalMeetsContract.t

1itle":"Kết quả thẩm định gi\xe1 tốt","r4insights.appraisalMeetsContract.explanation":"Gi\xe1 trị thẩm định bằng hoặc cao hơn gi\xe1 hợp đồng. Khoản vay của qu\xfd vị c\xf3 thể tiếp tục m\xe0 kh\xf4ng cần giấy tờ về thiếu hụt gi\xe1 trị.","r4insights.decliningMarket.title":"Khu vực l\xe2n cận đang ở thị trường suy yếu","r4insights.decliningMarket.explanation":"Người thẩm định đ\xe1nh dấu khu vực l\xe2n cận đang đi xuống. Một số b\xean cho vay y\xeau cầu khoản trả trước lớn hơn một ch\xfat để b\xf9 đắp rủi ro.","r4insights.decliningMarket.nextStep":"Nh\xe2n vi\xean cho vay của qu\xfd vị sẽ th\xf4ng b\xe1o nếu điều khoản khoản vay của qu\xfd vị thay đổi.","r4insights.poorConditionC5.title":"Bất động sản cần sửa chữa trước khi ho\xe0n tất","r4insights.poorConditionC5.explanation":"Kết quả thẩm định cho thấy căn nh\xe0 cần được sửa chữa đ\xe1ng kể trước khi b\xean cho vay giải ng\xe2n khoản vay. Hầu hết c\xe1c chương tr\xecnh cho vay y\xeau cầu căn nh\xe0 ở trong t\xecnh trạng c\xf3 thể ở được khi ho\xe0n tất.","r4insights.poorConditionC5.nextStep":"H\xe3y phối hợp với người m\xf4i giới của qu\xfd vị về việc người b\xe1n sẽ ho\xe0n th\xe0nh những sửa chữa n\xe0o (hoặc những phần qu\xfd vị sẽ tự xử l\xfd sau khi giảm gi\xe1).","r4insights.poorConditionC6.title":"Bất động sản cần sửa chữa lớn trước khi ho\xe0n tất","r4insights.poorConditionC6.explanation":"Kết quả thẩm định cho thấy căn nh\xe0 cần được sửa chữa nhiều trước khi b\xean cho vay giải ng\xe2n khoản vay. Hầu hết c\xe1c chương tr\xecnh cho vay y\xeau cầu căn nh\xe0 ở trong t\xecnh trạng c\xf3 thể ở được khi ho\xe0n tất.","r4insights.poorConditionC6.nextStep":"H\xe3y phối hợp với người m\xf4i giới của qu\xfd vị về việc người b\xe1n sẽ ho\xe0n th\xe0nh những sửa chữa n\xe0o (hoặc những phần qu\xfd vị sẽ tự xử l\xfd sau khi giảm gi\xe1).","r4insights.insuranceExpired.title":"Bảo hiểm chủ nh\xe0 đ\xe3 hết hạn","r4insights.insuranceExpired.explanation":"Hợp đồng bảo hiểm rủi ro trong hồ sơ đ\xe3 hết hạn. B\xean cho vay y\xeau cầu phải c\xf3 hợp đồng c\xf2n hiệu lực v\xe0o ng\xe0y khoản vay của qu\xfd vị được giải ng\xe2n.","r4insights.insuranceExpired.nextStep":"H\xe3y li\xean hệ với đại l\xfd bảo hiểm của qu\xfd vị để c\xf3 hợp đồng mới hoặc giấy x\xe1c nhận gia hạn c\xf3 hiệu lực v\xe0o ng\xe0y ho\xe0n tất.","r4insights.insuranceExpired.uploadLabel":"Tải l\xean hợp đồng mới","r4insights.insuranceExpiresSoon.title":"Bảo hiểm chủ nh\xe0 sắp hết hạn","r4insights.insuranceExpiresSoon.explanation":"Hợp đồng bảo hiểm chủ nh\xe0 hiện tại của qu\xfd vị sẽ hết hạn trong 30 ng\xe0y tới. Ch\xfang t\xf4i c\xf3 thể cần giấy x\xe1c nhận gia hạn trước khi ho\xe0n tất.","r4insights.insuranceExpiresSoon.nextStep":"H\xe3y y\xeau cầu giấy x\xe1c nhận gia hạn từ đại l\xfd bảo hiểm của qu\xfd vị nếu chưa c\xf3.","r4insights.insuranceExpiresSoon.uploadLabel":"Tải l\xean giấy x\xe1c nhận gia hạn","r4insights.titleCloud.title":"Ph\xe1t hiện vấn đề về quyền sở hữu bất động sản","r4insights.titleCloud.explanation":"C\xf3 một khoản thế chấp ưu ti\xean, ph\xe1n quyết, hoặc y\xeau cầu kh\xe1c đối với quyền sở hữu bất động sản. Những vấn đề n\xe0y cần được giải quyết trước khi b\xean cho vay c\xf3 thể giải ng\xe2n khoản vay.","r4insights.titleCloud.nextStep":"C\xf4ng ty quyền sở hữu v\xe0 nh\xe2n vi\xean cho vay của qu\xfd vị sẽ phối hợp để giải quyết vấn đề n\xe0y — qu\xfd vị c\xf3 thể cần cung cấp t\xe0i liệu.","r4insights.communityProperty.title":"Sẽ cần chữ k\xfd của vợ/chồng","r4insights.communityProperty.explanation":"Căn nh\xe0 được nắm giữ dưới dạng t\xe0i sản chung (community property). Ngay cả khi vợ/chồng của qu\xfd vị kh\xf4ng c\xf3 t\xean trong khoản vay, họ vẫn cần k\xfd một số giấy tờ ho\xe0n tất.","r4insights.communityProperty.nextStep":"H\xe3y thu xếp để vợ/chồng của qu\xfd vị c\xf3 mặt v\xe0o ng\xe0y ho\xe0n tất.","r4insights.trid3DayViolation.title":"Ng\xe0y ho\xe0n tất qu\xe1 sớm sau Closing Disclosure","r4insights.trid3DayViolation.explanation":"Theo luật, qu\xfd vị phải nhận được Closing Disclosure \xedt nhất 3 ng\xe0y l\xe0m việc trước khi ho\xe0n tất. C\xe1c ng\xe0y hiện tại kh\xf4ng đ\xe1p ứng điều đ\xf3 — việc ho\xe0n tất c\xf3 thể sẽ bị dời lại.","r4insights.trid3DayViolation.nextStep":"H\xe3y chuẩn bị cho khả năng ng\xe0y ho\xe0n tất muộn hơn — nh\xe2n vi\xean cho vay của qu\xfd vị sẽ x\xe1c nhận ng\xe0y mới.","r4insights.trid3DayMet.title":"Tiến độ ho\xe0n tất c\xf3 vẻ đ\xfang","r4insights.trid3DayMet.explanation":"Closing Disclosure của qu\xfd vị đ\xe3 được ph\xe1t h\xe0nh với đủ thời gian trước khi ho\xe0n tất. Đ\xe2y l\xe0 y\xeau cầu của luật v\xe0 ch\xfang t\xf4i đang đ\xfang tiến độ.","r4insights.cashToCloseTolerance.title":"Số tiền mặt cần khi ho\xe0n tất đ\xe3 thay đổi đ\xe1ng kể","r4insights.cashToCloseTolerance.explanation":"Số tiền qu\xfd vị cần mang khi ho\xe0n tất kh\xe1c với Loan Estimate ban đầu nhiều hơn mức cho ph\xe9p. Nh\xe2n vi\xean cho vay của qu\xfd vị sẽ giải th\xedch b\xean cho vay hay qu\xfd vị sẽ chịu phần ch\xeanh lệch.","r4insights.cashToCloseTolerance.nextStep":"H\xe3y đề nghị nh\xe2n vi\xean cho vay của qu\xfd vị giải th\xedch những khoản ph\xed n\xe0o đ\xe3 thay đổi v\xe0 l\xfd do.","r4insights.borrowerReceivesFunds.title":"Qu\xfd vị sẽ 

1nhận được tiền khi ho\xe0n tất","r4insights.borrowerReceivesFunds.explanation":"Dựa tr\xean c\xe1c con số, qu\xfd vị thực sự sẽ nhận được tiền khi ho\xe0n tất thay v\xec phải trả. Điều n\xe0y thường xảy ra trong c\xe1c trường hợp t\xe1i cấp vốn r\xfat tiền mặt (cash-out) hoặc l\xe3i suất ho\xe0n ph\xed (rebate-rate).","r4insights.ch7SeasoningMet.title":"Lần ph\xe1 sản trước đ\xe2y đ\xe3 đủ xa trong qu\xe1 khứ","r4insights.ch7SeasoningMet.explanation":"Đ\xe3 đủ thời gian kể từ khi vụ ph\xe1 sản của qu\xfd vị được giải trừ, n\xean tất cả c\xe1c chương tr\xecnh cho vay lớn (th\xf4ng thường, FHA, VA) đều d\xe0nh cho qu\xfd vị.","r4insights.ch7SeasoningPartial.title":"Lần ph\xe1 sản trước đ\xe2y: một số lựa chọn khoản vay đ\xe3 c\xf3, vay th\xf4ng thường th\xec chưa","r4insights.ch7SeasoningPartial.explanation":"C\xe1c khoản vay do ch\xednh phủ bảo l\xe3nh (FHA, VA) hiện đ\xe3 c\xf3 sẵn cho qu\xfd vị. C\xe1c khoản vay th\xf4ng thường cần th\xeam một ch\xfat thời gian trước khi qu\xfd vị đủ điều kiện.","r4insights.ch7SeasoningPartial.nextStep":"Nh\xe2n vi\xean cho vay của qu\xfd vị sẽ hướng qu\xfd vị đến chương tr\xecnh ph\xf9 hợp với mốc thời gian của qu\xfd vị.","r4insights.ch7SeasoningNotMet.title":"Lần ph\xe1 sản trước đ\xe2y: chưa đủ thời gian tr\xf4i qua","r4insights.ch7SeasoningNotMet.explanation":"Hầu hết c\xe1c chương tr\xecnh cho vay y\xeau cầu một thời gian chờ sau khi vụ ph\xe1 sản được giải trừ. Ch\xfang t\xf4i c\xf3 thể cần xem x\xe9t c\xe1c chương tr\xecnh phi truyền thống hoặc chờ đến khi đủ thời gian chờ.","r4insights.ch7SeasoningNotMet.nextStep":"Nh\xe2n vi\xean cho vay của qu\xfd vị sẽ giải th\xedch những hướng đi n\xe0o c\xf3 thể ph\xf9 hợp.","r4insights.irrelevantDocument.title":"T\xe0i liệu n\xe0y c\xf3 vẻ kh\xf4ng phải l\xe0 t\xe0i liệu khoản vay","r4insights.irrelevantDocument.explanation":"Tập tin qu\xfd vị tải l\xean tr\xf4ng giống như một bi\xean lai hoặc giấy tờ kh\xf4ng li\xean quan — ch\xfang t\xf4i kh\xf4ng thể sử dụng n\xf3 cho đơn của qu\xfd vị.","r4insights.irrelevantDocument.nextStep":"H\xe3y x\xf3a tập tin n\xe0y v\xe0 tải l\xean một t\xe0i liệu khoản vay hợp lệ như phiếu lương, sao k\xea ng\xe2n h\xe0ng, hoặc tờ khai thuế.","r4insights.irrelevantDocument.uploadLabel":"Tải l\xean t\xe0i liệu đ\xfang","r4prequal.strength.reserves12":"Quỹ dự trữ ≥12 th\xe1ng PITIA","r4prequal.strength.coBorrower":"C\xf3 người đồng vay trong đơn","r4prequal.strength.reservesMonths":"Quỹ dự trữ {months} th\xe1ng PITIA","r4prequal.weakness.reservesAddDollars":"Bổ sung \xedt nhất 2\xd7 ${amount2x} = ${amountTotal} v\xe0o quỹ dự trữ thanh khoản để vượt qua overlay tiếp theo.","r4prequal.weakness.fico760":"N\xe2ng FICO l\xean 760+ để được định gi\xe1 bậc 1.","r4prequal.weakness.fico740":"N\xe2ng FICO l\xean 740+ để loại bỏ phần lớn LLPA.","r4prequal.weakness.fico720":"N\xe2ng FICO l\xean 720+ để loại bỏ bậc LLPA tiếp theo.","r4prequal.weakness.fico700":"Thực hiện rapid-rescore — đạt 700+ tiết kiệm ~4 điểm.","r4prequal.weakness.fico680":"Trả bớt dư nợ t\xedn dụng quay v\xf2ng; 680 l\xe0 mức ưu đ\xe3i gi\xe1 tiếp theo.","r4prequal.weakness.fico660":"Dưới 660, phần lớn overlay vay thường sẽ \xe1p dụng. C\xe2n nhắc hướng FHA.","r4prequal.weakness.fico640":"Dưới 640 — chuyển sang FHA/non-QM v\xe0 đặt lại kịch bản.","r4prequal.weakness.fico620":"Dưới 620 kh\xf4ng đủ điều kiện với phần lớn b\xean cho vay thường. FHA tối thiểu 580 / VA 600.","r4prequal.weakness.ltv70":"Đưa LTV xuống ≤70 để vượt qua LLPA tiếp theo.","r4prequal.weakness.ltv75":"Đưa LTV xuống ≤75 để cải thiện gi\xe1.","r4prequal.weakness.ltv80":"Đưa LTV xuống ≤80 để loại bỏ PMI.","r4prequal.weakness.ltv80pmi":"T\xe1i cấu tr\xfac về LTV ≤80 để loại bỏ PMI v\xe0 t\xe1c động LLPA.","r4prequal.weakness.ltv90":"Tr\xean 90 LTV, ph\xed PMI tăng — c\xe2n nhắc đặt cọc nhiều hơn.","r4prequal.weakness.ltv95":"Tr\xean 95, phần lớn b\xean cho vay thường giới hạn; chuyển sang FHA (tối đa 96.5).","r4prequal.weakness.dti36":"Trả bớt một thẻ t\xedn dụng để đưa DTI xuống dưới 36.","r4prequal.weakness.dti43":"Tr\xean 43% DTI kh\xf4ng đạt QM-safe-harbor; b\xean cho vay y\xeau cầu c\xe1c yếu tố b\xf9 trừ.","r4prequal.weakness.dti50":"Tr\xean 50% DTI thuộc phạm vi non-QM — đổi sản phẩm.","r4prequal.weakness.llpaHeavy":"Xem tab Định gi\xe1 — c\xe1c LLPA ở tr\xean gắn với FICO/LTV/occupancy. Cải thiện bất kỳ yếu tố n\xe0o sẽ lấy lại điểm.","r4prequal.weakness.llpaStacked":"Tổng LLPA đủ cao để b\xean cho vay kh\xe1c c\xf3 thể b\xe1o gi\xe1 tốt hơn — chạy lại định gi\xe1 khi đ\xe3 kết nối b\xean cho vay #2.","r4prequal.weakness.tenure24":"Việc l\xe0m ổn định ≥24 th\xe1ng loại bỏ lo ngại về yếu tố b\xf9 trừ của b\xean cho vay.","r4prequal.weakness.tenure12":"B\xean cho vay ưu ti\xean ≥12 th\xe1ng ở c\xf4ng việc hiện tại. Ghi nhận t\xednh li\xean tục từ chủ trước nếu c\xf9ng ng\xe0nh nghề.","r4prequal.weakness.tenure6":"<6 th\xe1ng ở c\xf4ng việc hiện tại — phần lớn b\xean cho vay y\xeau cầu yếu tố b\xf9 trừ (quỹ dự trữ lớn, LTV thấp) để b\xf9 lại.","r4prequal.weakness.reservesAim":"Hướng tới \xedt nhất 2 th\xe1ng PITIA trong quỹ dự trữ thanh khoản.","r4prequal.weakness.reservesNone":"Phần lớn b\xean cho vay b\xe1n bu\xf4n y\xeau cầu ≥2 th\xe1ng quỹ dự trữ cho nh\xe0 ở ch\xednh; nh\xe0 đầu tư y\xeau cầu ≥6 th\xe1ng.","r4prequal.weakness.bankruptcy":"X\xe1c nhận thời gian chờ — 4 năm vay thường / 2 năm FHA kể từ ng\xe0y giải trừ. Lấy lệnh giải trừ để x\xe1c minh.","r4prequal.weakness.foreclosure":"Thời gian chờ sau tịch thu nh\xe0 — 7 năm vay thường (3 năm nếu c\xf3 t\xecnh tiết giảm nhẹ), 3 năm FHA. X\xe1c minh bằng b\xe1o c\xe1o t\xedn dụng.","r4prequal.weakness.selfEmployed":"Người tự kinh doanh cần 2 năm tờ khai thuế + trung b\xecnh Schedule C. Bổ sung quỹ dự trữ; b\xean cho vay khắt khe hơn về d\xf2ng tiền.","r4prequal.weakness.jumbo":"Vượt giới hạn khoản vay conforming sẽ k\xedch hoạt overlay jumbo. X\xe1c nhận UWM (hoặc b\xean cho vay c\xf3 khả năng jumbo) chấp nhận tổ hợp FICO + LTV.","r4prequal.weakness.cashOut":"T\xe1i cấp vốn rate-term tr\xe1nh được khung LLPA của cash-out.","r4prequal.weakness.manufactured":"Nh\xe0 sản xuất sẵn (manufactured) c\xf3 \xedt b\xean cho vay quan t\xe2m hơn — x\xe1c nhận UWM chấp nhận loại nền m\xf3ng.","r4prequal.weakness.ausApproveIneligible":"AUS đ\xe3 chấp thuận với c\xe1c điều kiện khiến n\xf3 kh\xf4ng đủ điều kiện — xem findings để x\xe1c định overlay.","r4prequal.weakness.ausReferCaution":"AUS chuyển tiếp k\xe8m cảnh b\xe1o — c\xf3 thể cần thẩm định thủ c\xf4ng. Củng cố hồ sơ (giấy tờ thu nhập, quỹ dự trữ) trước khi nộp.","r4prequal.weakness.highCost":"Giảm points/fees hoặc l\xe3i suất danh nghĩa để xuống dưới ngưỡng APR; xem tab Định gi\xe1.","r4prequal.weakness.atrIncomplete":"Mở tab Tu\xe2n thủ;

1 c\xe1c yếu tố ATR c\xf2n thiếu được liệt k\xea chi tiết ở đ\xf3.","r4prequal.weakness.stateHighCost":"Khoản vay chi ph\xed cao theo bang — cần bổ sung c\xf4ng bố khi nộp.","r4prequal.weakness.noProduct":"Kiểm tra tab Định gi\xe1 — c\xf3 thể đang chạm một giới hạn cứng của sản phẩm (FICO/LTV/số tiền vay).","r4health.stage.applicationReview":"Xem x\xe9t đơn đăng k\xfd","r4health.stage.applicationStarted":"Đ\xe3 bắt đầu đơn đăng k\xfd","r4health.stage.draft":"Bản nh\xe1p","r4health.stage.applicationSubmitted":"Đ\xe3 nộp đơn đăng k\xfd","r4health.stage.submitted":"Đ\xe3 nộp","r4health.stage.processing":"Đang xử l\xfd","r4health.stage.preUnderwriting":"Trước thẩm định","r4health.stage.underwriting":"Thẩm định","r4health.stage.seniorUnderwriting":"Thẩm định cấp cao","r4health.stage.conditionalApproval":"Ph\xea duyệt c\xf3 điều kiện","r4health.stage.approved":"Đ\xe3 ph\xea duyệt","r4health.stage.clearToClose":"Sẵn s\xe0ng ho\xe0n tất","r4health.stage.closing":"Ho\xe0n tất","r4health.stage.funded":"Đ\xe3 giải ng\xe2n","r4health.factor.conditionsInProgressOne":"{count} điều kiện đang xử l\xfd","r4health.factor.conditionsInProgressMany":"{count} điều kiện đang xử l\xfd","r4health.factor.openConditionsOne":"{count} điều kiện chưa ho\xe0n tất","r4health.factor.openConditionsMany":"{count} điều kiện chưa ho\xe0n tất","r4health.factor.noOpenConditions":"Kh\xf4ng c\xf3 điều kiện chưa ho\xe0n tất","r4health.factor.docsInProgressOne":"{count} t\xe0i liệu đang xử l\xfd","r4health.factor.docsInProgressMany":"{count} t\xe0i liệu đang xử l\xfd","r4health.factor.docsNeededOne":"Vẫn cần {count} t\xe0i liệu","r4health.factor.docsNeededMany":"Vẫn cần {count} t\xe0i liệu","r4health.factor.daysSinceUpdateOne":"{count} ng\xe0y kể từ lần cập nhật gần nhất","r4health.factor.daysSinceUpdateMany":"{count} ng\xe0y kể từ lần cập nhật gần nhất","r4health.factor.rateLocked":"L\xe3i suất đ\xe3 kh\xf3a ở mức {rate}%","r4health.factor.closingConfirmed":"Đ\xe3 x\xe1c nhận ng\xe0y ho\xe0n tất","r4health.action.clearConditionsOne":"Ho\xe0n tất {count} điều kiện chưa ho\xe0n tất","r4health.action.clearConditionsMany":"Ho\xe0n tất {count} điều kiện chưa ho\xe0n tất","r4health.action.uploadDocsOne":"Tải l\xean {count} t\xe0i liệu đang chờ","r4health.action.uploadDocsMany":"Tải l\xean {count} t\xe0i liệu đang chờ","r4health.action.lockRate":"Kh\xf3a l\xe3i suất của bạn khi sẵn s\xe0ng","r4health.action.pickClosingDate":"Chọn ng\xe0y ho\xe0n tất","r4tour.step3.plaid.title":"Khỏi phải g\xf5 — kết nối ng\xe2n h\xe0ng của bạn","r4tour.step3.plaid.body":"Ch\xfang t\xf4i c\xf3 thể tự động lấy loại t\xe0i khoản, số dư v\xe0 4 số cuối t\xe0i khoản của bạn qua <strong>Plaid</strong> — m\xe3 h\xf3a cấp ng\xe2n h\xe0ng, được Venmo, Robinhood, Coinbase sử dụng. Th\xf4ng tin đăng nhập ng\xe2n h\xe0ng của bạn được gửi <strong>thẳng đến Plaid</strong> (kh\xf4ng phải ch\xfang t\xf4i), v\xe0 ch\xfang t\xf4i chỉ nhận lại số dư v\xe0 loại t\xe0i khoản. Hầu hết người vay tiết kiệm hơn 5 ph\xfat ở đ\xe2y.","r4tour.step3.plaid.ask":"Kết nối ng\xe2n h\xe0ng qua Plaid c\xf3 an to\xe0n kh\xf4ng?","r4tour.step3.plaid.action.primary":"C\xf3 — kết nối ng\xe2n h\xe0ng của t\xf4i","r4tour.step3.plaid.action.secondary":"Kh\xf4ng, cảm ơn, t\xf4i sẽ tự th\xeam","r4tour.step3.addAsset.title":"Th\xeam t\xe0i sản (t\xf9y chọn)","r4tour.step3.addAsset.body":"<strong>Bỏ qua nếu bạn kh\xf4ng c\xf3 t\xe0i khoản n\xe0o để liệt k\xea</strong> (hiếm — hầu hết người vay liệt k\xea \xedt nhất t\xe0i khoản thanh to\xe1n ch\xednh). Nếu c\xf3, h\xe3y nhấp <strong>Th\xeam T\xe0i Sản</strong> v\xe0 t\xf4i sẽ hướng dẫn bạn điền một t\xe0i khoản. Bạn c\xf3 thể th\xeam nữa sau.","r4tour.step3.addAsset.ask":"T\xf4i c\xf3 phải liệt 

1k\xea mọi t\xe0i khoản, hay chỉ những t\xe0i khoản d\xf9ng cho khoản trả trước?","r4tour.step3.addAsset.action.primary":"Th\xeam t\xe0i sản","r4tour.step3.addAsset.action.secondary":"Bỏ qua — kh\xf4ng th\xeam t\xe0i sản thủ c\xf4ng","r4tour.step5.addProperty.title":"Th\xeam bất động sản (t\xf9y chọn)","r4tour.step5.addProperty.body":"<strong>Bỏ qua nếu bạn kh\xf4ng sở hữu bất động sản n\xe0o kh\xe1c.</strong> Nếu bạn c\xf3 bất động sản kh\xe1c ngo\xe0i căn đang vay trong khoản vay n\xe0y — nh\xe0 cho thu\xea, nh\xe0 nghỉ dưỡng, nh\xe0 đ\xe3 trả hết — h\xe3y nhấp <strong>Th\xeam Bất Động Sản</strong> v\xe0 t\xf4i sẽ hướng dẫn bạn một mục. Bạn c\xf3 thể th\xeam nữa sau.","r4tour.step5.addProperty.ask":"T\xf4i đồng sở hữu một bất động sản với anh chị em — t\xf4i c\xf3 liệt k\xea kh\xf4ng?","r4tour.step5.addProperty.action.primary":"Th\xeam bất động sản","r4tour.step5.addProperty.action.secondary":"Bỏ qua — kh\xf4ng c\xf3 bất động sản kh\xe1c","r4tour.step1.0.title":"T\xean hợp ph\xe1p của bạn","r4tour.step1.0.body":"H\xe3y d\xf9ng t\xean <strong>đ\xfang y như tr\xean giấy tờ t\xf9y th\xe2n do ch\xednh phủ cấp</strong>. Chỉ một lỗi đ\xe1nh m\xe1y cũng c\xf3 thể l\xe0m chậm khoản vay khi đ\xf3ng giao dịch.","r4tour.step1.0.ask":"Tại sao t\xean hợp ph\xe1p của t\xf4i phải tr\xf9ng với giấy tờ t\xf9y th\xe2n khi vay thế chấp?","r4tour.step1.1.title":"T\xean đệm","r4tour.step1.1.body":"<strong>Bỏ qua nếu bạn kh\xf4ng c\xf3 t\xean đệm (hoặc n\xf3 kh\xf4ng c\xf3 tr\xean giấy tờ t\xf9y th\xe2n).</strong> Nếu C\xd3 tr\xean giấy tờ t\xf9y th\xe2n, h\xe3y ghi v\xe0o — nếu kh\xf4ng, c\xf4ng ty title sẽ hỏi sau, c\xf3 thể l\xe0m chậm việc đ\xf3ng giao dịch.","r4tour.step1.1.ask":"T\xf4i c\xf3 phải ghi t\xean đệm trong hồ sơ vay thế chấp kh\xf4ng?","r4tour.step1.2.title":"Họ","r4tour.step1.2.body":"C\xf9ng quy tắc: phải khớp với giấy tờ t\xf9y th\xe2n do ch\xednh phủ cấp. Dấu gạch nối, hậu tố, dấu — giữ nguy\xean hết.","r4tour.step1.2.ask":"Họ tr\xean giấy tờ t\xf9y th\xe2n của t\xf4i kh\xe1c với họ t\xf4i thường d\xf9ng — t\xf4i phải l\xe0m g\xec?","r4tour.step1.3.title":"Hậu tố","r4tour.step1.3.body":"<strong>Bỏ qua nếu giấy tờ t\xf9y th\xe2n của bạn kh\xf4ng c\xf3.</strong> Điền v\xe0o nếu c\xf3 — Jr, Sr, II, III, v.v. C\xf4ng ty thẩm định quyền sở hữu sẽ ph\xe1t hiện sai lệch sau n\xe0y, n\xean đặt ngay b\xe2y giờ sẽ gọn g\xe0ng hơn.","r4tour.step1.3.ask":'T\xf4i c\xf3 ghi "Jr" kh\xf4ng nếu ba t\xf4i c\xf3 c\xf9ng t\xean với t\xf4i?',"r4tour.step1.4.title":"Những t\xean kh\xe1c bạn từng d\xf9ng","r4tour.step1.4.body":"<strong>Bỏ qua nếu bạn lu\xf4n d\xf9ng c\xf9ng một t\xean.</strong> Nếu bạn từng c\xf3 t\xean thời con g\xe1i, t\xean hợp ph\xe1p trước đ\xe2y, hoặc một biệt danh d\xf9ng l\xe2u năm xuất hiện tr\xean c\xe1c t\xe0i khoản t\xe0i ch\xednh, h\xe3y liệt k\xea ở đ\xe2y — cục t\xedn dụng c\xf3 thể c\xf3 hồ sơ dưới những t\xean đ\xf3.","r4tour.step1.4.ask":"T\xf4i đ\xe3 đổi t\xean khi kết h\xf4n — t\xf4i ghi g\xec l\xe0m t\xean thay thế?","r4tour.step1.5.title":"Địa chỉ email","r4tour.step1.5.body":"Ch\xfang t\xf4i gửi cập nhật t\xecnh trạng khoản vay đến đ\xe2y, c\xf9ng với li\xean kết để k\xfd điện tử c\xe1c t\xe0i liệu c\xf4ng bố. H\xe3y d\xf9ng email bạn kiểm tra thường xuy\xean.","r4tour.step1.5.ask":"T\xf4i sẽ nhận email về khoản vay của m\xecnh thường xuy\xean như thế n\xe0o?","r4tour.step1.6.title":"Điện thoại di động","r4tour.step1.6.body":"Người m\xf4i giới của bạn sẽ gọi/nhắn tin cho bạn ở đ\xe2y. Cũng được d\xf9ng cho m\xe3 đăng nhập OTP nếu bạn đăng nhập từ thiết bị mới.","r4tour.step1.6.ask":"T\xf4i c\xf3 bị gọi điện r\xe1c kh\xf4ng nếu t\xf4i cung cấp số điện thoại?","r4tour.step1.7.title":"Điện thoại nh\xe0","r4tour.step1.7.body":"<strong>Bỏ qua nếu bạn kh\xf4ng c\xf3 điện thoại b\xe0n.</strong> Hầu hết người vay kh\xf4ng c\xf3 v\xe0 c\xf3 thể để trống. Nếu c\xf3, việc lưu một số điện thoại thứ hai trong hồ sơ sẽ hữu \xedch nếu kh\xf4ng li\xean lạc được với điện thoại di động của bạn trong cuộc gọi ho\xe0n tất giao dịch.","r4tour.step1.7.ask":"Điện thoại nh\xe0 c\xf3 quan trọng kh\xf4ng nếu điện thoại di động l\xe0 số ch\xednh của t\xf4i?","r4tour.step1.8.title":"Điện thoại nơi l\xe0m việc","r4tour.step1.8.body":"<strong>Bỏ qua nếu bạn kh\xf4ng muốn bị li\xean lạc tại nơi l\xe0m việc.</strong> Nếu bạn ghi v\xe0o, người x\xe1c minh của b\xean cho vay c\xf3 thể gọi để x\xe1c nhận việc l\xe0m — họ hỏi bộ phận nh\xe2n sự/t\xednh lương, chứ kh\xf4ng phải c\xe1 nh\xe2n bạn.","r4tour.step1.8.ask":"Nơi l\xe0m việc của t\xf4i c\xf3 được th\xf4ng b\xe1o rằng t\xf4i đang xin vay thế chấp kh\xf4ng?","r4tour.step1.9.title":"Ng\xe0y sinh","r4tour.step1.9.body":"Bắt buộc để k\xe9o t\xedn dụng v\xe0 tu\xe2n thủ quy định li\xean bang. Định dạng: MM/DD/YYYY. Phải từ 18 tuổi trở l\xean.","r4tour.step1.9.ask":"Tại sao qu\xfd vị cần ng\xe0y sinh của t\xf4i?","r4tour.step1.10.title":"Số An Sinh X\xe3 Hội","r4tour.step1.10.body":"<strong>Bắt buộc</strong> để k\xe9o t\xedn dụng. Được lưu dưới dạng m\xe3 h\xf3a (hash

1); kh\xf4ng bao giờ hiển thị lại cho qu\xfd vị.","r4tour.step1.10.ask":"Điền SSN của t\xf4i v\xe0o biểu mẫu n\xe0y c\xf3 an to\xe0n kh\xf4ng?","r4tour.step1.11.title":"T\xecnh trạng h\xf4n nh\xe2n","r4tour.step1.11.body":"Chọn một mục. Nếu qu\xfd vị kết h\xf4n tại tiểu bang t\xe0i sản chung (CA, AZ, ID, LA, NV, NM, TX, WA, WI), ch\xfang t\xf4i c\xf3 thể y\xeau cầu một số th\xf4ng tin của vợ/chồng d\xf9 họ kh\xf4ng c\xf3 trong khoản vay.","r4tour.step1.11.ask":"Tại sao t\xecnh trạng h\xf4n nh\xe2n của t\xf4i lại quan trọng khi vay thế chấp?","r4tour.step1.12.title":"Quốc tịch","r4tour.step1.12.body":"C\xf4ng d\xe2n Hoa Kỳ c\xf3 nhiều lá»±a chọn vay nhất. Thường tr\xfa nh\xe2n v\xe0 người cÆ° tr\xfa kh\xf4ng thường tr\xfa cÅ©ng đủ điều kiện — chỉ cần giấy tờ bổ sung (thẻ xanh hoặc visa l\xe0m việc).","r4tour.step1.12.ask":"T\xf4i c\xf3 thể vay thế chấp khi kh\xf4ng phải c\xf4ng d\xe2n kh\xf4ng?","r4tour.step1.13.title":"Địa chỉ đường phố & số căn","r4tour.step1.13.body":"NÆ¡i cÆ° tr\xfa hiện tại của qu\xfd vị — <strong>địa chỉ đường phố</strong> v\xe0 <strong>số căn / số căn hộ</strong> nếu c\xf3. B\xean cho vay cần 2 năm lịch sá»­ cÆ° tr\xfa li\xean tục; nếu qu\xfd vị sống ở đ\xe2y dưới 2 năm, ch\xfang t\xf4i cÅ©ng sẽ hỏi địa chỉ trước đ\xf3. Số căn l\xe0 t\xf9y chọn.","r4tour.step1.13.ask":"Tại sao cần 2 năm lịch sá»­ địa chỉ cho khoản vay thế chấp của t\xf4i?","r4tour.step1.14.title":"Th\xe0nh phố","r4tour.step1.14.body":"Th\xe0nh phố nÆ¡i qu\xfd vị đang cÆ° tr\xfa.","r4tour.step1.14.ask":"Th\xe0nh phố c\xf3 cần khớp với bằng l\xe1i xe của t\xf4i kh\xf4ng?","r4tour.step1.15.title":"Tiểu bang","r4tour.step1.15.body":"M\xe3 tiểu bang gồm hai chữ c\xe1i (v\xed dụ CA, NY). Quan trọng đối với c\xe1c quy định tu\xe2n thủ ri\xeang của từng tiểu bang.","r4tour.step1.15.ask":"Tại sao tiểu bang lại quan trọng đối với khoản vay thế chấp của t\xf4i?","r4tour.step1.16.title":"M\xe3 ZIP","r4tour.step1.16.body":"M\xe3 ZIP nÆ¡i bạn đang ở hiện tại. D\xf9ng để tra cứu th\xf4ng tin thuế bất động sản v\xe0 v\xf9ng ngập lụt nếu sau n\xe0y bạn mua nh\xe0 ở đ\xe2y.","r4tour.step1.16.ask":"M\xe3 ZIP ảnh hưởng đến khoản vay của t\xf4i nhÆ° thế n\xe0o?","r4tour.step1.17.title":"T\xecnh trạng nh\xe0 ở","r4tour.step1.17.body":"Sở hữu / Thu\xea / Ở miễn ph\xed. Nếu bạn thu\xea, ch\xfang t\xf4i sẽ hỏi tiền thu\xea hằng th\xe1ng (d\xf9ng trong tá»· lệ nợ tr\xean thu nhập).","r4tour.step1.17.ask":"T\xecnh trạng nh\xe0 ở hiện tại của t\xf4i c\xf3 ảnh hưởng đến việc duyệt khoản vay thế chấp kh\xf4ng?","r4tour.step1.18.title":"Thời gian ở địa chỉ n\xe0y","r4tour.step1.18.body":"Số năm v\xe0 th\xe1ng ở địa chỉ n\xe0y. Nếu tổng cộng dưới 2 năm, tr\xecnh hướng dẫn sẽ th\xeam thẻ địa chỉ trước đ\xf3 tiếp theo.","r4tour.step1.18.ask":"Nếu t\xf4i đ\xe3 chuyển nh\xe0 nhiều lần trong 2 năm qua th\xec sao?","r4tour.step2.0.title":"Nh\xe0 tuyển dụng hiện tại của bạn","r4tour.step2.0.body":'H\xe3y d\xf9ng <strong>t\xean ph\xe1p l\xfd</strong> tr\xean phiếu lÆ°Æ¡ng hoặc W-2 của bạn, kh\xf4ng phải t\xean thÆ°Æ¡ng hiệu. Nếu phiếu lÆ°Æ¡ng ghi "Acme Holdings LLC" nhÆ°ng mọi người gọi l\xe0 Acme, h\xe3y điền t\xean ph\xe1p l\xfd — việc x\xe1c minh bảng lÆ°Æ¡ng sẽ đối chiếu với t\xean đ\xf3. Nếu chÆ°a c\xf3 d\xf2ng n\xe0o, h\xe3y nhấp v\xe0o <strong>Th\xeam việc l\xe0m</strong> b\xean dưới để bắt đầu.',"r4tour.step2.0.ask":"Nếu t\xean ph\xe1p l\xfd của nh\xe0 tuyển dụng kh\xe1c với t\xean t\xf4i thường n\xf3i với mọi người th\xec sao?","r4tour.step2.1.title":"Số điện thoại nh\xe0 tuyển dụng","r4tour.step2.1.body":"Một số điện thoại ch\xednh của bộ phận nh\xe2n sá»± hoặc bảng lÆ°Æ¡ng l\xe0 được. B\xean cho vay hoặc người x\xe1c minh c\xf3 thể gọi để x\xe1c nhận việc l\xe0m — họ sẽ kh\xf4ng hỏi th\xf4ng tin c\xe1 nh\xe2n.","r4tour.step2.1.ask":"Họ c\xf3 gọi cho nh\xe0 tuyển dụng của t\xf4i về khoản vay thế chấp n\xe0y kh\xf4ng?","r4tour.step2.2.title":"Đường v\xe0 th\xe0nh phố của nh\xe0 tuyển dụng","r4tour.step2.2.body":"Đường v\xe0 th\xe0nh phố của nh\xe0 tuyển dụng (địa chỉ c\xf4ng ty hoặc trụ sở ch\xednh tr\xean phiếu lÆ°Æ¡ng của bạn). Nếu bạn l\xe0m việc từ xa, h\xe3y d\xf9ng trụ sở ch\xednh của nh\xe0 tuyển dụng, kh\xf4ng phải nh\xe0 của bạn.","r4tour.step2.2.ask":"Nếu t\xf4i l\xe0m việc từ xa th\xec sao — t\xf4i c\xf3 d\xf9ng địa chỉ nh\xe0 l\xe0m địa chỉ nh\xe0 tuyển dụng kh\xf4ng?","r4tour.step2.3.title":"Tiểu bang v\xe0 m\xe3 ZIP của nh\xe0 tuyển dụng","r4tour.step2.3.body":"Tiểu bang v\xe0 m\xe3 ZIP của địa chỉ nh\xe0 tuyển dụng. B\xean cho vay sẽ d\xf9ng để X\xe1c minh Việc l\xe0m (VOE) — họ gọi đến số điện thoại nh\xe2n sá»±/bảng lÆ°Æ¡ng tại địa điểm n\xe0y.","r4tour.step2.3.ask":"Tại sao b\xean cho vay cần địa chỉ nh\xe0 tuyển dụng của t\xf4i?","r4tour.step2.4.title":"Tá»± kinh doanh? H\xe3y cho ch\xfang t\xf4i biết ngay b\xe2y giờ","r4tour.step2.4.body":"Người vay tá»± kinh doanh cần c\xe1c giấy tờ kh\xe1c nhau: <strong>2 năm tờ khai thuế c\xe1 nh\xe2n</strong>, tờ khai thuế doanh nghiệp nếu bạn sở hữu từ 25% trở l\xean, v\xe0 một <strong>b\xe1o c\xe1o l\xe3i lỗ từ đầu năm đến nay (YTD)</strong>. Chọn c\xf3 ở đ\xe2y sẽ mở kh\xf3a danh s\xe1ch giấy tờ ph\xf9 hợp sau n\xe0y.","r4tour.step2.4.ask":"T\xf4i l\xe0 nh\xe0 thầu 1099 — đối với mục đ\xedch vay thế chấp, t\xf4i c\xf3 được xem l\xe0 tá»± kinh doanh kh\xf4ng?","r4tour.step2.5.title":"Bạn c\xf3 sở hữu cổ phần trong c\xf4ng ty n\xe0y kh\xf4ng?","r4tour.step2.5.body":"<strong>Bỏ qua nếu bạn kh\xf4ng sở hữu cổ phần n\xe0o của c\xf4ng ty.</strong> H\xe3y điền nếu c\xf3 — điều n\xe0y quan trọng v\xec sở hữu <strong>từ 25% trở l\xean</strong> nghÄ©a l\xe0 b\xean cho vay xem bạn l\xe0 người tá»± kinh doanh bất kể bạn được trả lÆ°Æ¡ng thế n\xe0o (v\xe0 họ sẽ cần tờ khai thuế doanh nghiệp). Dưới 25%, bạn vẫn được xem l\xe0 nh\xe2n vi\xean trong qu\xe1 tr\xecnh thẩm định.","r4tour.step2.5.ask":"T\xf4i sở hữu 10% c\xf4ng ty nÆ¡i t\xf4i l\xe0m việc — đối với khoản vay thế chấp, t\xf4i c\xf3 phải l\xe0 người tá»± kinh doanh kh\xf4ng?","r4tour.step2.6.title":"Chức danh c\xf4ng việc của bạn","r4tour.step2.6.body":"Sá»­ dụng chức danh ghi tr\xean thÆ° mời l\xe0m việc hoặc danh thiếp của bạn. Nếu bạn đ\xe3 được thăng chức, h\xe3y d\xf9ng chức danh hiện tại — b\xean x\xe1c minh nh\xecn v\xe0o bảng lÆ°Æ¡ng hiện tại, kh\xf4ng phải lịch sá»­.","r4tour.step2.6.ask":"Chức danh tại nÆ¡i l\xe0m việc của t\xf4i kh\xe1c với chức danh t\xf4i n\xf3i với mọi người — t\xf4i n\xean d\xf9ng c\xe1i n\xe0o?","r4tour.step2.7.title":"Bạn đ\xe3 l\xe0m việc ở đ\xe2y bao l\xe2u","r4tour.step2.7.body":"Tổng thời gian l\xe0m việc với <em>chủ lao động n\xe0y</em>, t\xednh bằng năm v\xe0 th\xe1ng. Việc nhảy việc kh\xf4ng khiến bạn bị loại, nhÆ°ng b\xean cho vay th\xedch thấy <strong>2 năm ở c\xf9ng một c\xf4ng việc</strong> hoặc trong c\xf9ng một lÄ©nh vá»±c.","r4tour.step2.7.ask":"T\xf4i vừa đổi việc — điều đ\xf3 c\xf3 l\xe0m giảm cÆ¡ hội cá»

1§a t\xf4i kh\xf4ng?","r4tour.step2.8.title":"Ng\xe0y bắt đầu","r4tour.step2.8.body":"Thời điểm bạn bắt đầu l\xe0m việc với <em>chủ lao động n\xe0y</em>. D\xf9ng để t\xednh ch\xednh x\xe1c tổng th\xe2m ni\xean của bạn (b\xean cho vay th\xedch ng\xe0y th\xe1ng cụ thể hÆ¡n l\xe0 số năm/th\xe1ng l\xe0m tr\xf2n).","r4tour.step2.8.ask":"T\xf4i kh\xf4ng nhớ ch\xednh x\xe1c ng\xe0y bắt đầu — t\xf4i n\xean điền g\xec?","r4tour.step2.9.title":"Ng\xe0y kết th\xfac","r4tour.step2.9.body":"<strong>Để trống nếu đ\xe2y l\xe0 c\xf4ng việc hiện tại của bạn.</strong> Nếu đ\xe2y l\xe0 chủ lao động trước đ\xe2y, h\xe3y ghi ng\xe0y bạn nghỉ việc. B\xean cho vay d\xf9ng th\xf4ng tin n\xe0y để x\xe1c nhận kh\xf4ng c\xf3 khoảng trống việc l\xe0m trong lịch sá»­ 2 năm của bạn.","r4tour.step2.9.ask":"Ng\xe0y kết th\xfac l\xe0 ng\xe0y cuối c\xf9ng t\xf4i l\xe0m việc hay ng\xe0y ph\xfac lợi của t\xf4i chấm dứt?","r4tour.step2.10.title":"Số năm trong lÄ©nh vá»±c c\xf4ng việc n\xe0y","r4tour.step2.10.body":"Tổng thời gian trong Sá»° NGHIỆP của bạn — kh\xf4ng chỉ ở chủ lao động n\xe0y. Người hay nhảy việc trong c\xf9ng một ng\xe0nh vẫn đủ điều kiện v\xec <strong>t\xednh li\xean tục trong c\xf9ng lÄ©nh vá»±c được t\xednh</strong>. V\xed dụ: 3 vị tr\xed kỹ sÆ° phần mềm kh\xe1c nhau trong 6 năm = 6 năm trong lÄ©nh vá»±c c\xf4ng việc.","r4tour.step2.10.ask":"T\xf4i đ\xe3 đổi nghề — số năm cÅ© của t\xf4i c\xf3 c\xf2n được t\xednh kh\xf4ng?","r4tour.step2.11.title":"Bạn c\xf3 l\xe0m việc cho người th\xe2n kh\xf4ng?","r4tour.step2.11.body":"Nếu cha mẹ, anh chị em hoặc vợ/chồng sở hữu doanh nghiệp, h\xe3y chọn mục n\xe0y. Người cho vay y\xeau cầu <strong>giấy tờ bổ sung</strong> (W-2 + thÆ° c\xf3 chữ k\xfd của chủ lao động) v\xec việc l\xe0m trong gia đ\xecnh c\xf3 thể bị l\xe0m giả.","r4tour.step2.11.ask":"Cha mẹ t\xf4i sở hữu c\xf4ng ty t\xf4i đang l\xe0m việc — điều đ\xf3 c\xf3 thay đổi g\xec kh\xf4ng?","r4tour.step2.12.title":"L\xe0m việc cho một b\xean trong giao dịch?","r4tour.step2.12.body":"<strong>Bỏ qua trừ khi chủ lao động của bạn CH\xcdNH L\xc0 người b\xe1n, nh\xe0 thầu x\xe2y dá»±ng, hoặc m\xf4i giới bất động sản trong giao dịch n\xe0y.</strong> Việc n\xe0y g\xe2y xem x\xe9t kỹ hÆ¡n (c\xf3 thể xung đột lợi \xedch, thường cần thẩm định lần hai). Hầu hết người vay trả lời Kh\xf4ng.","r4tour.step2.12.ask":"'Một b\xean trong giao dịch' l\xe0 g\xec v\xe0 liệu t\xf4i c\xf3 biết nếu chủ lao động của t\xf4i l\xe0 một b\xean kh\xf4ng?","r4tour.step2.13.title":"LÆ°Æ¡ng cÆ¡ bản hằng th\xe1ng của bạn","r4tour.step2.13.body":"LÆ°Æ¡ng hằng th\xe1ng tổng (trước thuế). Nếu bạn được trả theo giờ, nh\xe2n lÆ°Æ¡ng theo giờ \xd7 số giờ mỗi tuần \xd7 4.33. LÆ°Æ¡ng trả hai tuần một lần \xd7 2.167.","r4tour.step2.13.ask":"L\xe0m thế n\xe0o để chuyển lÆ°Æ¡ng theo giờ của t\xf4i th\xe0nh thu nhập hằng th\xe1ng cho khoản vay mua nh\xe0?","r4tour.step2.14.title":"Thu nhập biến đổi","r4tour.step2.14.body":"Tăng ca, thưởng v\xe0 hoa hồng. <strong>Bỏ qua nếu bạn chỉ nhận lÆ°Æ¡ng cố định.</strong> Nếu bạn c\xf3 thu nhập biến đổi, việc liệt k\xea n\xf3 c\xf3 thể <strong>tăng đ\xe1ng kể khả năng vay của bạn</strong> — người cho vay sẽ t\xednh khi bạn c\xf3 2 năm lịch sá»­. Nhập mức trung b\xecnh hằng th\xe1ng trong 24 th\xe1ng qua.","r4tour.step2.14.ask":"Tiền thưởng của t\xf4i thay đổi nhiều theo từng năm — người cho vay c\xf3 d\xf9ng n\xf3 kh\xf4ng?","r4tour.step2.15.title":"LÆ°Æ¡ng qu\xe2n đội","r4tour.step2.15.body":"<strong>Bỏ qua nếu bạn kh\xf4ng phải qu\xe2n nh\xe2n tại ngÅ©/dá»± bị.</strong> Nếu c\xf3, nhập lÆ°Æ¡ng cÆ¡ bản hằng th\xe1ng + BAH (Trợ cấp Nh\xe0 ở CÆ¡ bản) + BAS (Trợ cấp Ăn uống) + bất kỳ khoản lÆ°Æ¡ng đặc biệt n\xe0o. Người nộp đơn vay VA điền v\xe0o đ\xe2y.","r4tour.step2.15.ask":"BAH c\xf3 được t\xednh l\xe0 thu nhập chịu thuế để đủ điều kiện vay mua nh\xe0 kh\xf4ng?","r4tour.step2.16.title":"Thu nhập kh\xe1c","r4tour.step2.16.body":"<strong>Bỏ qua nếu bạn kh\xf4ng c\xf3 thu nhập n\xe0o kh\xe1c từ việc l\xe0m.</strong> V\xed dụ điền v\xe0o đ\xe2y: tiền boa được khai b\xe1o tr\xean W-2, phụ cấp ca l\xe0m thường xuy\xean, lÆ°Æ¡ng trá»±c. (KH\xd4NG bao gồm tiền cấp dưỡng, tiền nu\xf4i con, hoặc thu nhập cho thu\xea — những khoản đ\xf3 c\xf3 mục ri\xeang.)","r4tour.step2.16.ask":"T\xf4i điền tiền boa kh\xf4ng c\xf3 tr\xean phiếu lÆ°Æ¡ng ở đ\xe2u?","r4tour.step2.17.title":"B\xe2y giờ th\xeam c\xe1c c\xf4ng việc cÅ© hÆ¡n để đủ 2 năm","r4tour.step2.17.body":"Người cho vay cần <strong>2 năm l\xe0m việc li\xean tục</strong>. Nếu bạn l\xe0m c\xf4ng việc n\xe0y chÆ°a đến 2 năm, h\xe3y nhấp <strong>Th\xeam việc l\xe0m</strong> v\xe0 nhập c\xe1c c\xf4ng việc trước đ\xf3 nối tiếp nhau cho đến khi đủ 24 th\xe1ng. Khoảng thời gian gi\xe1n đoạn cần c\xf3 giải tr\xecnh bằng văn bản.","r4tour.step2.17.ask":"T\xf4i c\xf3 khoảng trống 4 th\xe1ng giữa c\xe1c c\xf4ng việc — t\xf4i giải th\xedch thế n\xe0o?","r4tour.step3.0.title":"Loại t\xe0i khoản","r4tour.step3.0.body":"Chọn loại gần nhất: <strong>Checking</strong> cho chi ti\xeau hằng ng\xe0y, <strong>Savings</strong> cho khoản tiền để ri\xeang, <strong>Retirement</strong> cho 401(k)/IRA, <strong>Brokerage</strong> cho cổ phiếu. Nếu kh\xf4ng thấy loại của bạn, h\xe3y chọn Kh\xe1c. Nếu chÆ°a c\xf3 d\xf2ng n\xe0o, h\xe3y nhấp <strong>Th\xeam t\xe0i sản</strong> để bắt đầu.","r4tour.step3.0.ask":"Tiền của t\xf4i nằm trong Roth IRA — t\xf4i n\xean chọn loại t\xe0i khoản n\xe0o?","r4tour.step3.1.title":"Ng\xe2n h\xe0ng hoặc c\xf4ng ty m\xf4i giới n\xe0o","r4tour.step3.1.body":'H\xe3y d\xf9ng t\xean ph\xe1p l\xfd ghi tr\xean sao k\xea của bạn (v\xed dụ: <em>"Chase Bank, N.A."</em>, <em>"Fidelity Brokerage Services LLC"</em>). B\xean cho vay sẽ đối chiếu t\xean n\xe0y với t\xe0i liệu bạn tải l\xean sau.',"r4tour.step3.1.ask":"T\xean ng\xe2n h\xe0ng c\xf3 cần khớp ch\xednh x\xe1c với sao k\xea của t\xf4i kh\xf4ng?","r4tour.step3.2.title":"Số t\xe0i khoản (chỉ 4 số cuối)","r4tour.step3.2.body":"<strong>Chỉ 4 chữ số cuối.</strong> Ch\xfang t\xf4i kh\xf4ng lÆ°u số t\xe0i khoản đầy đủ trong hồ sÆ¡. B\xean cho vay sẽ x\xe1c nhận số đầy đủ s

1au từ c\xe1c sao k\xea bạn tải l\xean.","r4tour.step3.2.ask":"Tại sao bạn chỉ cần 4 số cuối của số t\xe0i khoản của t\xf4i?","r4tour.step3.3.title":"Trong đ\xf3 c\xf3 bao nhi\xeau","r4tour.step3.3.body":"D\xf9ng số dÆ° hiện tại (hoặc gi\xe1 trị thị trường đối với t\xe0i khoản brokerage/retirement). L\xe0m tr\xf2n đến đ\xf4-la gần nhất. B\xean cho vay sẽ kiểm chứng với <strong>2 sao k\xea gần nhất</strong> của bạn.","r4tour.step3.3.ask":"Số dÆ° t\xe0i khoản của t\xf4i dao động — t\xf4i n\xean d\xf9ng con số n\xe0o?","r4tour.step3.4.title":"Th\xeam mọi t\xe0i khoản đang giữ tiền","r4tour.step3.4.body":"B\xean cho vay x\xe1c minh t\xe0i sản của bạn dá»±a tr\xean <strong>2 th\xe1ng sao k\xea ng\xe2n h\xe0ng</strong>. Bao gồm checking, savings, retirement (401k/IRA), brokerage, kể cả crypto. Qu\xean một t\xe0i khoản kh\xf4ng phải l\xe0 phạm ph\xe1p, nhÆ°ng bạn kh\xf4ng thể d\xf9ng số tiền đ\xf3 cho việc đ\xf3ng (closing) nếu n\xf3 kh\xf4ng được liệt k\xea.","r4tour.step3.4.ask":"T\xf4i c\xf3 cần khai b\xe1o c\xe1c t\xe0i khoản kh\xf4ng d\xf9ng cho khoản trả trước kh\xf4ng?","r4tour.step3.5.title":"Về qu\xe0 tặng v\xe0 trợ cấp","r4tour.step3.5.body":"Một khoản <strong>qu\xe0 tặng (gift)</strong> l\xe0 tiền m\xe0 ai đ\xf3 cho bạn để vay khoản n\xe0y v\xe0 bạn kh\xf4ng phải trả lại. Y\xeau cầu: một <strong>thÆ° tặng qu\xe0 (gift letter)</strong> c\xf3 chữ k\xfd của người tặng + chứng từ cho thấy tiền đ\xe3 chuyển (x\xe1c nhận chuyển khoản, bi\xean nhận gá»­i tiền). Kh\xf4ng c\xf3 thÆ° = b\xean cho vay sẽ kh\xf4ng t\xednh v\xe0o việc đ\xf3ng (closing).","r4tour.step3.5.ask":"Bố mẹ cho t\xf4i $20K để trả trước — t\xf4i cần giấy tờ g\xec?","r4tour.step3.6.title":"Cho ch\xfang t\xf4i biết về khoản qu\xe0 tặng của bạn","r4tour.step3.6.body":"Chọn loại (Tiền mặt l\xe0 phổ biến nhất), nguồn (Người th\xe2n, Chủ lao động, CÆ¡ quan, Kh\xe1c) v\xe0 số tiền. Mỗi khoản qu\xe0 tặng c\xf3 d\xf2ng ri\xeang.","r4tour.step3.6.ask":"Chủ lao động của t\xf4i c\xf3 thể tặng tiền cho khoản trả trước kh\xf4ng?","r4tour.step3.7.title":"Th\xeam qu\xe0 tặng hoặc trợ cấp (t\xf9y chọn)","r4tour.step3.7.body":"<strong>Bỏ qua nếu kh\xf4ng c\xf3 ai tặng tiền cho bạn cho khoản vay n\xe0y.</strong> Nếu người th\xe2n, người sá»­ dụng lao động hoặc cÆ¡ quan trợ cấp gi\xfap bạn trả chi ph\xed kết th\xfac hồ sÆ¡ hoặc tiền đặt cọc, h\xe3y nhấp v\xe0o <strong>Th\xeam qu\xe0 tặng/trợ cấp</strong>. Mỗi người tặng cần c\xf3 h\xe0ng ri\xeang + thÆ° tặng qu\xe0 ri\xeang.","r4tour.step3.7.ask":"Cha mẹ t\xf4i tặng qu\xe0 ri\xeang — t\xf4i liệt k\xea một m\xf3n qu\xe0 hay hai?","r4tour.step3.7.action.primary":"Th\xeam qu\xe0 tặng","r4tour.step3.7.action.secondary":"Bỏ qua — kh\xf4ng c\xf3 qu\xe0 tặng","r4tour.step4.0.title":"Th\xeam khoản nợ (t\xf9y chọn)","r4tour.step4.0.body":"<strong>Bỏ qua nếu bạn kh\xf4ng c\xf3 thẻ t\xedn dụng, khoản vay mua xe hoặc khoản vay sinh vi\xean.</strong> Hầu hết người vay đều c\xf3 \xedt nhất một khoản — mỗi khoản nợ h\xe0ng th\xe1ng đều t\xednh v\xe0o tá»· lệ <strong>nợ tr\xean thu nhập (DTI)</strong> của bạn, đ\xe2y l\xe0 r\xe0o cản thẩm định số 1. Nhấp v\xe0o Th\xeam khoản nợ v\xe0 t\xf4i sẽ hướng dẫn bạn nhập một mục.","r4tour.step4.0.ask":"T\xf4i kh\xf4ng bao giờ d\xf9ng thẻ t\xedn dụng — t\xf4i vẫn phải liệt k\xea n\xf3 chứ?","r4tour.step4.0.action.primary":"Th\xeam khoản nợ","r4tour.step4.0.action.secondary":"Bỏ qua — kh\xf4ng c\xf3 nợ","r4tour.step4.1.title":"Loại nợ","r4tour.step4.1.body":"<strong>Quay v\xf2ng</strong> = thẻ t\xedn dụng (số dÆ° thay đổi h\xe0ng th\xe1ng). <strong>Trả g\xf3p</strong> = khoản trả h\xe0ng th\xe1ng cố định c\xf3 ng\xe0y kết th\xfac (vay mua xe, vay sinh vi\xean). <strong>Thu\xea</strong> = thu\xea xe hoặc thiết bị. Nếu việc tra cứu t\xedn dụng đ\xe3 điền sẵn mục n\xe0y, thường th\xec bạn kh\xf4ng cần thay đổi.","r4tour.step4.1.ask":"Khoản vay mua xe của t\xf4i l\xe0 từ một hợp t\xe1c x\xe3 t\xedn dụng — đ\xf3 l\xe0 trả g\xf3p hay quay v\xf2ng?","r4tour.step4.2.title":"Bạn nợ ai","r4tour.step4.2.body":'T\xean chủ nợ đ\xfang nhÆ° tr\xean bảng sao k\xea (v\xed dụ: <em>"Chase Card Services"</em>, <em>"Toyota Financial Services"</em>). Việc tra cứu t\xedn dụng sẽ điền mục n\xe0y cho c\xe1c khoản nợ c\xf3 hồ sÆ¡ t\xedn dụng.',"r4tour.step4.2.ask":"Việc tra cứu t\xedn dụng hiển thị sai t\xean chủ nợ — t\xf4i c\xf3 thể sá»­a kh\xf4ng?","r4tour.step4.3.title":"Số t\xe0i khoản","r4tour.step4.3.body":"<strong>Bỏ qua nếu việc tra cứu t\xedn dụng đ\xe3 điền sẵn.</strong> Nếu chÆ°a: 4 chữ số cuối l\xe0 đủ. Đừng lo về định dạng — b\xean cho vay sẽ đối chiếu với hồ sÆ¡ của c\xe1c cục t\xedn dụng. Hữu \xedch khi bạn c\xf3 nhiều thẻ từ c\xf9ng một nh\xe0 ph\xe1t h\xe0nh để b\xean cho vay ph\xe2n biệt ch\xfang.","r4tour.step4.3.ask":"Số t\xe0i khoản của t\xf4i tr\xean b\xe1o c\xe1o t\xedn dụng bị che — đ\xf3 c\xf3 phải l\xe0 vấn đề kh\xf4ng?","r4tour.step4.4.title":"Bạn c\xf2n nợ bao nhi\xeau","r4tour.step4.4.body":"Số dÆ° hiện tại (b\xean cho vay sẽ x\xe1c minh lại với dữ liệu của c\xe1c cục t\xedn dụng). Đối với thẻ t\xedn dụng, đ\xe2y l\xe0 số dÆ° tr\xean bảng sao k\xea — ngay cả khi bạn trả hết mỗi th\xe1ng, số dÆ° tr\xean bảng sao k\xea gần nhất vẫn được t\xednh.","r4tour.step4.4.ask":"T\xf4i trả hết thẻ t\xedn dụng mỗi th\xe1ng — số dÆ° c\xf3 c\xf2n được t\xednh kh\xf4ng?","r4tour.step4.5.title":"Khoản thanh to\xe1n h\xe0ng th\xe1ng của bạn","r4tour.step4.5.body":"Khoản thanh to\xe1n h\xe0ng th\xe1ng tối thiểu bắt buộc (kh\xf4ng phải số tiền bạn thường trả). Khoản n\xe0y được t\xednh thẳng v\xe0o <strong>tá»· lệ nợ tr\xean thu nhập (DTI)</strong> của bạn — b\xean cho vay cộng tất cả c\xe1c khoản tối thiểu + khoản vay thế chấp mới rồi chia cho tổng thu nhập h\xe0ng th\xe1ng.","r4tour.step4.5.ask":"T\xf4i lu\xf4n trả nhiều hÆ¡n mức tối thiểu — b\xean cho vay d\xf9ng mức tối thiểu hay khoản thanh to\xe1n thá»±c tế của t\xf4i?","r4tour.step4.6.title":"Số th\xe1ng c\xf2n lại (t\xf9y chọn)","r4tour.step4.6.body":"<strong>Bỏ qua đối với nợ t\xedn dụng quay v\xf2ng (thẻ t\xedn dụng kh\xf4ng bao giờ kết th\xfac).</strong> Đối với khoản vay trả g\xf3p, ghi số lần thanh to\xe1n c\xf2n lại cho ph\xe9p b\xean cho vay <strong>loại c\xe1c khoản nợ c\xf2n &lt;10 th\xe1ng ra khỏi DTI</strong>. Đ\xe1ng điền nếu khoản vay xe của bạn sắp trả hết.","r4tour.step4.6.ask":"Khoản vay xe của t\xf4i c\xf3 c\xf2n được t\xednh kh\xf4ng nếu chỉ c\xf2n 6 lần thanh to\xe1n?","r4tour.step4.7.title":"Sẽ trả hết khoản n\xe0y trước khi ho\xe0n tất giao dịch?","r4tour.step4.7.body":"Đ\xe1nh dấu v\xe0o đ\xe2y để <strong>loại khoản nợ n\xe0y khỏi DTI</strong>. B\xean cho vay sẽ y\xeau cầu bằng chứng đ\xe3 trả hết trước khi ho\xe0n tất giao dịch (s\xe9c đ\xe3 thanh to\xe1n, sao k\xea số dÆ° bằng kh\xf4ng). L\xe0 chiến lược hay nếu DTI của bạn đang s\xe1t ngưỡng — trá

1º£ hết thẻ $300/th\xe1ng c\xf3 thể gi\xfap bạn tăng $90K khả năng vay.","r4tour.step4.7.ask":"Việc trả hết thẻ t\xedn dụng n\xe0y trước khi ho\xe0n tất giao dịch c\xf3 gi\xfap t\xf4i đủ điều kiện vay khoản lớn hÆ¡n kh\xf4ng?","r4tour.step4.8.title":"T\xe1i xếp hạng Æ°u ti\xean (t\xf9y chọn)","r4tour.step4.8.body":"<strong>Bỏ qua — trường hợp n\xe0y hiếm v\xe0 b\xean cho vay sẽ b\xe1o cho bạn nếu \xe1p dụng.</strong> T\xe1i xếp hạng Æ°u ti\xean nghÄ©a l\xe0 quyền cầm cố vị tr\xed thứ hai hiện c\xf3 của bạn (HELOC, khoản vay thứ hai piggyback) đang được chuyển trở lại vị tr\xed thứ hai ph\xeda sau khoản vay thế chấp thứ nhất mới. B\xean cho vay loại khoản nợ t\xe1i xếp hạng Æ°u ti\xean khỏi DTI.","r4tour.step4.8.ask":'"T\xe1i xếp hạng Æ°u ti\xean" nghÄ©a l\xe0 g\xec v\xe0 t\xf4i c\xf3 biết nếu n\xf3 \xe1p dụng cho m\xecnh kh\xf4ng?',"r4tour.step4.9.title":"Những g\xec cÆ¡ quan t\xedn dụng bỏ s\xf3t","r4tour.step4.9.body":"C\xe1c cÆ¡ quan t\xedn dụng thấy hầu hết c\xe1c d\xf2ng t\xedn dụng, nhÆ°ng bỏ s\xf3t: <strong>khoản vay gia đ\xecnh, kế hoạch trả g\xf3p với IRS, cấp dưỡng con, cấp dưỡng vợ/chồng, khoản vay sinh vi\xean tÆ° nh\xe2n chÆ°a b\xe1o c\xe1o</strong>. Bấm <strong>Th\xeam khoản nợ</strong> cho từng khoản — tất cả đều t\xednh v\xe0o DTI d\xf9 kh\xf4ng hiện tr\xean b\xe1o c\xe1o t\xedn dụng.","r4tour.step4.9.ask":"T\xf4i nợ anh trai t\xf4i $10K — t\xf4i c\xf3 phải khai khoản đ\xf3 trong đơn vay thế chấp kh\xf4ng?","r4tour.step5.0.title":"Bất động sản n\xe0y ở đ\xe2u","r4tour.step5.0.body":"Địa chỉ đầy đủ của bất động sản — đường, th\xe0nh phố, tiểu bang, m\xe3 zip. Đ\xe2y <strong>kh\xf4ng phải</strong> l\xe0 bất động sản bạn đang vay vốn trong khoản vay n\xe0y — bất động sản đ\xf3 ở bước tiếp theo. H\xe3y liệt k\xea mọi bất động sản kh\xe1c m\xe0 bạn sở hữu.","r4tour.step5.0.ask":"T\xf4i c\xf3 cần liệt k\xea những bất động sản t\xf4i đồng sở hữu với người kh\xe1c kh\xf4ng?","r4tour.step5.1.title":"Gi\xe1 trị hiện tại của n\xf3","r4tour.step5.1.body":"Ước t\xednh tốt nhất của bạn về gi\xe1 trị thị trường hiện tại (kh\xf4ng phải số tiền bạn đ\xe3 trả). Tham khảo Zestimate của Zillow/Redfin hoặc c\xe1c giao dịch tÆ°Æ¡ng đương gần đ\xe2y l\xe0m điểm khởi đầu — b\xean cho vay sẽ x\xe1c nhận bằng thẩm định nếu cần.","r4tour.step5.1.ask":"L\xe0m thế n\xe0o để t\xf4i ước t\xednh gi\xe1 trị bất động sản cho thu\xea của m\xecnh?","r4tour.step5.2.title":"Giữ lại, b\xe1n, hay đang chờ xá»­ l\xfd?","r4tour.step5.2.body":"<strong>Giữ lại</strong> = bạn vẫn giữ. <strong>Đang chờ</strong> = việc b\xe1n đang trong giai đoạn k\xfd quỹ (escrow) nhÆ°ng chÆ°a ho\xe0n tất. <strong>Đ\xe3 b\xe1n</strong> = đ\xe3 ho\xe0n tất. C\xe1ch t\xednh thay đổi t\xf9y theo trạng th\xe1i — b\xe1n sẽ gỡ khoản vay thế chấp khỏi DTI của bạn; giữ lại th\xec cộng th\xeam v\xe0o.","r4tour.step5.2.ask":"Căn hộ cÅ© của t\xf4i đ\xe3 rao b\xe1n nhÆ°ng chÆ°a c\xf3 hợp đồng — đ\xf3 l\xe0 giữ lại hay đang chờ?","r4tour.step5.3.title":"C\xe1ch sá»­ dụng","r4tour.step5.3.body":"<strong>Nh\xe0 ch\xednh</strong> = bạn ở đ\xf3 quanh năm. <strong>Nh\xe0 thứ hai</strong> = nh\xe0 nghỉ dưỡng bạn thỉnh thoảng đến. <strong>Đầu tÆ°</strong> = cho thu\xea hoặc bỏ trống để cho thu\xea. Quy định về thuế v\xe0 bảo hiểm kh\xe1c nhau; b\xean cho vay sẽ đối chiếu với tờ khai thuế của bạn.","r4tour.step5.3.ask":"T\xf4i đ\xe3 sống trong căn nh\xe0 cÅ© nhiều năm v\xe0 giờ cho thu\xea — t\xf4i chọn loại h\xecnh cÆ° tr\xfa n\xe0o?","r4tour.step5.4.title":"Chi ph\xed duy tr\xec","r4tour.step5.4.body":"Thuế bất động sản h\xe0ng th\xe1ng + bảo hiểm nh\xe0 ở + ph\xed HOA cộng lại. Những khoản n\xe0y t\xednh bất lợi cho bạn trong DTI nếu bạn giữ lại bất động sản. Ngay cả bất động sản đ\xe3 trả hết cÅ©ng c\xf3 c\xe1c chi ph\xed n\xe0y.","r4tour.step5.4.ask":"H\xf3a đơn thuế bất động sản của t\xf4i l\xe0 h\xe0ng năm — l\xe0m sao để t\xednh ra con số h\xe0ng th\xe1ng?","r4tour.step5.5.title":"Thu nhập cho thu\xea (nếu c\xf3)","r4tour.step5.5.body":"<strong>Bỏ qua nếu bạn ở trong bất động sản n\xe0y hoặc n\xf3 đang bỏ trống.</strong> Nếu bạn cho thu\xea, tiền thu\xea h\xe0ng th\xe1ng tổng (gross) ở đ\xe2y c\xf3 thể <strong>gi\xfap bạn đủ điều kiện</strong> — b\xean cho vay t\xednh <strong>

175% tiền thu\xea tổng</strong> l\xe0 thu nhập (khoản khấu trừ 25% để b\xf9 cho thời gian trống + bảo tr\xec). Cần hợp đồng thu\xea đ\xe3 k\xfd hoặc 2 năm Schedule E.","r4tour.step5.5.ask":"T\xf4i cho thu\xea tầng hầm tr\xean Airbnb — điều đ\xf3 c\xf3 t\xednh l\xe0 thu nhập cho thu\xea kh\xf4ng?","r4tour.step5.6.title":"Th\xeam khoản vay thế chấp cho bất động sản n\xe0y (t\xf9y chọn)","r4tour.step5.6.body":"<strong>Bỏ qua nếu bất động sản đ\xe3 trả hết.</strong> Nếu kh\xf4ng, nhấp <strong>Th\xeam Khoản Vay Thế Chấp</strong> để ghi nhận khoản vay được bảo đảm bằng bất động sản N\xc0Y (kh\xf4ng phải khoản vay mới bạn đang xin). Rất quan trọng đối với DTI — b\xean cho vay sẽ cộng khoản thanh to\xe1n n\xe0y v\xe0o nghÄ©a vụ của bạn.","r4tour.step5.6.ask":"T\xf4i c\xf3 một khoản HELOC tr\xean bất động sản n\xe0y — đ\xf3 c\xf3 phải l\xe0 một mục ri\xeang kh\xf4ng?","r4tour.step5.6.action.primary":"Th\xeam khoản vay thế chấp","r4tour.step5.6.action.secondary":"Bỏ qua — đ\xe3 trả hết","r4tour.step5.7.title":"Th\xeam bất động sản kh\xe1c (t\xf9y chọn)","r4tour.step5.7.body":"<strong>Bỏ qua nếu bạn kh\xf4ng sở hữu bất kỳ bất động sản n\xe0o kh\xe1c.</strong> Nếu bạn sở hữu nhiều hÆ¡n một, h\xe3y nhấp <strong>Th\xeam Bất Động Sản Kh\xe1c</strong> cho mỗi c\xe1i. Ngay cả bất động sản đ\xe3 trả hết cÅ©ng quan trọng — b\xean cho vay thấy ch\xfang trong hồ sÆ¡ quyền sở hữu (title) v\xe0 muốn được giải th\xedch về bất cứ điều g\xec c\xf2n thiếu.","r4tour.step5.7.ask":"T\xf4i thừa kế một bất động sản từ \xf4ng b\xe0 — t\xf4i c\xf3 phải khai b\xe1o n\xf3 kh\xf4ng?","r4tour.step5.7.action.primary":"Th\xeam bất động sản kh\xe1c","r4tour.step5.7.action.secondary":"Bỏ qua — kh\xf4ng c\xf2n bất động sản n\xe0o nữa","r4tour.step6.0.title":"Bạn muốn vay bao nhi\xeau","r4tour.step6.0.body":"Số tiền vay (kh\xf4ng phải gi\xe1 mua). Với một căn nh\xe0 $500K trả trước 20%, bạn sẽ nhập <strong>$400,000</strong>. Giới hạn conforming ở hầu hết c\xe1c quận l\xe0 $766,550 (2024) — vượt mức đ\xf3 l\xe0 bạn bước v\xe0o khu vá»±c jumbo vá

1»›i c\xe1c y\xeau cầu khắt khe hÆ¡n.","r4tour.step6.0.ask":"Sá»± kh\xe1c biệt giữa số tiền vay v\xe0 gi\xe1 mua l\xe0 g\xec?","r4tour.step6.1.title":"Mức gi\xe1 bạn cho l\xe0 căn nh\xe0 đ\xe1ng gi\xe1","r4tour.step6.1.body":"Đối với việc mua nh\xe0, đ\xe2y l\xe0 <strong>gi\xe1 đề nghị</strong> của bạn. Đối với việc t\xe1i cấp vốn, đ\xe2y l\xe0 ước t\xednh tốt nhất của bạn về gi\xe1 trị thị trường hiện tại. B\xean cho vay sẽ đặt thẩm định để x\xe1c nhận — nếu kết quả thấp hÆ¡n, bạn c\xf3 thể phải mang th\xeam tiền mặt khi ho\xe0n tất giao dịch.","r4tour.step6.1.ask":"Điều g\xec xảy ra nếu thẩm định thấp hÆ¡n gi\xe1 đề nghị của t\xf4i?","r4tour.step6.2.title":"Mua nh\xe0 hay t\xe1i cấp vốn?","r4tour.step6.2.body":"Chọn <strong>Mua nh\xe0</strong> nếu bạn đang mua một căn nh\xe0 mới. Chọn <strong>T\xe1i cấp vốn</strong> nếu bạn đ\xe3 sở hữu bất động sản n\xe0y v\xe0 muốn thay thế khoản vay thế chấp hiện c\xf3 — t\xe1i cấp vốn c\xf3 nhiều dạng (rate-and-term giảm khoản thanh to\xe1n của bạn, cash-out cho ph\xe9p bạn r\xfat vốn chủ sở hữu).","r4tour.step6.2.ask":"T\xe1i cấp vốn cash-out l\xe0 g\xec v\xe0 khi n\xe0o th\xec hợp l\xfd?","r4tour.step6.3.title":"Loại bất động sản","r4tour.step6.3.body":"<strong>Nh\xe0 ở ri\xeang lẻ</strong> = nh\xe0 đứng ri\xeang. <strong>Condo</strong> = căn hộ trong t\xf2a nh\xe0 (b\xean cho vay sẽ xem x\xe9t dá»± \xe1n condo). <strong>Townhouse</strong> = nh\xe0 liền kề nhÆ°ng bạn sở hữu đất. <strong>Nh\xe0 nhiều hộ</strong> = 2–4 căn. <strong>Kh\xe1c</strong> = bất kỳ loại n\xe0o bất thường (hiếm gặp).","r4tour.step6.3.ask":"T\xf4i đang mua một căn duplex v\xe0 sống trong một căn — đ\xf3 l\xe0 loại bất động sản n\xe0o?","r4tour.step6.4.title":"C\xe1ch bạn sẽ sá»­ dụng n\xf3","r4tour.step6.4.body":"<strong>NÆ¡i ở ch\xednh</strong> — l\xe3i suất tốt nhất, trả trước thấp nhất (3.5% FHA, 5% vay th\xf4ng thường). Kh\xf4ng c\xf3 lá»±a chọn n\xe0o được chọn sẵn. Đổi sang Nh\xe0 thứ hai nếu l\xe0 bất động sản nghỉ dưỡng (trả trước tối thiểu ~10%) hoặc Bất động sản đầu tÆ° nếu bạn cho thu\xea (<strong>trả trước 25% + l\xe3i suất cao hÆ¡n ~0.75%</strong>). B\xean cho vay x\xe1c minh qua việc kiểm tra cÆ° tr\xfa sau khi ho\xe0n tất giao dịch.","r4tour.step6.4.ask":"T\xf4i c\xf3 thể vay theo diện nÆ¡i ở ch\xednh nếu t\xf4i định cho thu\xea n\xf3 v\xe0o năm sau kh\xf4ng?","r4tour.step6.5.title":"Đường v\xe0 th\xe0nh phố của bất động sản","r4tour.step6.5.body":"Địa chỉ đường v\xe0 th\xe0nh phố của căn nh\xe0 bạn đang vay. Đối với nh\xe0 x\xe2y mới chÆ°a c\xf3 địa chỉ ho\xe0n chỉnh, h\xe3y d\xf9ng m\xf4 tả thá»­a đất trong hợp đồng mua b\xe1n của bạn.","r4tour.step6.5.ask":"T\xf4i đang mua nh\xe0 x\xe2y mới chÆ°a c\xf3 số nh\xe0 — t\xf4i nhập g\xec?","r4tour.step6.6.title":"Tiểu bang v\xe0 ZIP","r4tour.step6.6.body":"Tiểu bang v\xe0 m\xe3 ZIP của bất động sản li\xean quan. H\xe3y d\xf9ng m\xe3 ZIP 5 chữ số — Unified Loan System sẽ tá»± động x\xe1c định quận (county) v\xe0 tract để tra cứu HMDA v\xe0 v\xf9ng ngập lụt.","r4tour.step6.6.ask":"Tại sao m\xe3 ZIP của t\xf4i lại quan trọng đối với khoản vay?","r4tour.step6.7.title":"Th\xf4ng tin bất động sản — gi\xe1 trị ước t\xednh","r4tour.step6.7.body":"Sau khi bạn nhập địa chỉ, Unified Loan System sẽ truy xuất <strong>hồ sÆ¡ c\xf4ng khai</strong> của bất động sản — bao gồm <strong>gi\xe1 trị ước t\xednh</strong> (kiểu Zestimate) c\xf9ng diện t\xedch l\xf4 đất, năm x\xe2y, số ph\xf2ng ngủ/ph\xf2ng tắm v\xe0 lần b\xe1n gần nhất. Ch\xfang t\xf4i đối chiếu th\xf4ng tin n\xe0y với <strong>số tiền vay + gi\xe1 mua</strong> của bạn để c\xe1c đợt kh\xf3a l\xe3i suất về sau giữ ở mức LTV hợp l\xfd.","r4tour.step6.7.ask":"Dữ liệu bất động sản n\xe0y lấy từ đ\xe2u v\xe0 độ ch\xednh x\xe1c ra sao?","r4tour.step6.8.t

1itle":"Thuế bất động sản hằng năm + HOA","r4tour.step6.8.body":"Hai khoản chi ph\xed được t\xednh v\xe0o DTI của bạn: <strong>thuế bất động sản hằng năm</strong> (từ quận) v\xe0 <strong>ph\xed HOA</strong> (ước t\xednh từ c\xe1c bất động sản tương đương trong m\xe3 ZIP của bạn). B\xean cho vay t\xednh cả hai v\xe0o khoản trả hằng th\xe1ng của bạn. Nếu HOA thực tế cao hơn ước t\xednh, DTI của bạn sẽ siết lại, v\xec vậy h\xe3y lu\xf4n <strong>x\xe1c nhận HOA khi đ\xf3ng giao dịch (closing)</strong>.","r4tour.step6.8.ask":"Thuế bất động sản + HOA ảnh hưởng thế n\xe0o đến DTI đủ điều kiện của t\xf4i?","r4tour.step6.9.title":"Vừa b\xe1n gần đ\xe2y trong khu vực","r4tour.step6.9.body":"Đ\xe2y l\xe0 <strong>c\xe1c giao dịch thực tế gần đ\xe2y</strong> trong v\xf2ng ~0.5 dặm quanh địa chỉ của bạn — c\xf9ng hạng số ph\xf2ng ngủ/ph\xf2ng tắm/diện t\xedch nếu ch\xfang t\xf4i khớp được. B\xean cho vay d\xf9ng c\xe1c bất động sản tương đương như thế n\xe0y để <strong>kiểm chứng gi\xe1 thẩm định</strong>. Nếu gi\xe1 mua của bạn cao hơn nhiều so với c\xe1c comps trong khu vực, h\xe3y chuẩn bị cho việc thẩm định bị bắt bẻ.","r4tour.step6.9.ask":"C\xe1c comps n\xe0y lấy từ đ\xe2u v\xe0 nếu gi\xe1 thẩm định của t\xf4i kh\xf4ng khớp th\xec sao?","r4tour.step6.10.title":"C\xf3 cơ sở kinh doanh trong đ\xf3 kh\xf4ng?","r4tour.step6.10.body":"<strong>Bỏ qua nếu bất động sản của bạn ho\xe0n to\xe0n l\xe0 nh\xe0 ở.</strong> Chỉ chọn mục n\xe0y nếu một phần bất động sản được quy hoạch thương mại (v\xed dụ: cửa h\xe0ng ở tầng dưới, căn hộ ở tầng tr\xean). L\xe0m việc tại văn ph\xf2ng ở nh\xe0 th\xec kh\xf4ng t\xednh. Khoản vay hỗn hợp cần <strong>chương tr\xecnh đặc biệt</strong> v\xe0 thẩm định khắt khe hơn.","r4tour.step6.10.ask":"T\xf4i l\xe0m việc tại nh\xe0 — như vậy c\xf3 khiến n\xf3 th\xe0nh mixed-use kh\xf4ng?","r4tour.step6.11.title":"Nh\xe0 sản xuất sẵn / nh\xe0 di động?","r4tour.step6.11.body":"<strong>Bỏ qua nếu bạn đang mua một căn nh\xe0 truyền thống x\xe2y tại chỗ.</strong> Chỉ chọn cho nh\xe0 sản xuất sẵn/nh\xe0 di động l\xe0m tại nh\xe0 m\xe1y (KH\xd4NG phải nh\xe0 modular — loại đ\xf3 cũng l\xe0m tại nh\xe0 m\xe1y nhưng đặt tr\xean nền m\xf3ng cố định v\xe0 được coi l\xe0 truyền thống). Nh\xe0 sản xuất sẵn cần <strong>c\xe1c chương tr\xecnh vay cụ thể</strong> (FHA Title I/II, Freddie ChoiceHome).","r4tour.step6.11.ask":"L\xe0m sao để biết một căn nh\xe0 l\xe0 nh\xe0 sản xuất sẵn hay nh\xe0 modular?","r4tour.step6.12.title":"Người mua nh\xe0 lần đầu?","r4tour.step6.12.body":"<strong>Bỏ qua nếu bạn đ\xe3 sở hữu một căn nh\xe0 ở ch\xednh trong 3 năm qua.</strong> Chọn nếu chưa — trạng th\xe1i người mua lần đầu kh\xe1 rộng r\xe3i (chỉ cần 3 năm kể từ căn nh\xe0 ở ch\xednh gần nhất) v\xe0 mở kh\xf3a <strong>c\xe1c chương tr\xecnh hỗ trợ tiền trả trước + giảm PMI</strong> với khoản vay conventional. Đ\xe1ng để tận dụng.","r4tour.step6.12.ask":"T\xf4i từng sở hữu một căn nh\xe0 10 năm trước — t\xf4i vẫn l\xe0 người mua nh\xe0 lần đầu chứ?","r4tour.step6.13.title":"C\xf3 khoản vay kh\xe1c tr\xean c\xf9ng bất động sản kh\xf4ng?","r4tour.step6.13.body":"<strong>Hầu hết người vay để $0 ở mục n\xe0y.</strong> Chỉ nhập số tiền nếu bạn đang l\xe0m <strong>khoản thế chấp thứ hai kiểu piggyback</strong> (khoản vay thứ hai để tr\xe1nh PMI tr\xean khoản vay đầu), hoặc bạn đ\xe3 c\xf3 HELOC tr\xean căn nh\xe0 đang t\xe1i cấp vốn.","r4tour.step6.13.ask":"Khoản vay piggyback l\xe0 g\xec v\xe0 tại sao t\xf4i lại muốn d\xf9ng n\xf3?","r4tour.step6.14.title":"Tiền thu\xea dự kiến từ căn nh\xe0 n\xe0y","r4tour.step6.14.body":"<strong>Bỏ qua nếu loại cư tr\xfa kh\xf4ng phải l\xe0 Bất động sản Đầu tư.</strong> Nếu đ\xfang l\xe0 vậy th\xec điều n\xe0y quan trọng: b\xean cho vay t\xednh <strong>

175% tiền thu\xea gộp ước t\xednh</strong> l\xe0m thu nhập b\xf9 trừ (phần khấu trừ 25% để dá»± ph\xf2ng trống nh\xe0 v\xe0 bảo tr\xec) — đ\xe2y c\xf3 thể l\xe0 yếu tố quyết định bạn đủ điều kiện hay kh\xf4ng.","r4tour.step6.14.ask":"Thu nhập từ tiền thu\xea gi\xfap t\xf4i đủ điều kiện vay cho bất động sản đầu tÆ° nhÆ° thế n\xe0o?","r4tour.step6.15.title":"Ph\xed HOA h\xe0ng th\xe1ng","r4tour.step6.15.body":"<strong>Bỏ qua nếu căn nh\xe0 kh\xf4ng c\xf3 HOA.</strong> Nếu c\xf3, ph\xed h\xe0ng th\xe1ng sẽ cộng v\xe0o khoản trả tiền nh\xe0 của bạn (PITI + HOA) v\xe0 ảnh hưởng đến DTI. H\xe3y t\xecm số tiền trong tin rao b\xe1n hoặc bản c\xf4ng bố của người b\xe1n — nếu kh\xf4ng chắc, cứ để trống v\xe0 nh\xe0 m\xf4i giới sẽ x\xe1c nhận.","r4tour.step6.15.ask":"Căn hộ của t\xf4i c\xf3 khoản ph\xed đ\xe1nh gi\xe1 đặc biệt ngo\xe0i ph\xed HOA th\xf4ng thường — t\xf4i n\xean nhập g\xec?","r4tour.step7.0.title":"Bạn c\xf3 sẽ sống ở đ\xe2y kh\xf4ng?","r4tour.step7.0.body":"Chọn C\xf3 = khoản vay cho nÆ¡i ở ch\xednh (l\xe3i suất tốt nhất, trả trước thấp nhất). Chọn Kh\xf4ng = đầu tÆ° hoặc nh\xe0 thứ hai (l\xe3i suất cao hÆ¡n, trả trước nhiều hÆ¡n). B\xean cho vay kiểm chứng bằng c\xe1ch kiểm tra cÆ° tr\xfa sau khi đ\xf3ng giao dịch; khai dối ở đ\xe2y l\xe0 <strong>gian lận cÆ° tr\xfa</strong>.","r4tour.step7.0.ask":"T\xf4i dá»± định cuối c\xf9ng sẽ dọn v\xe0o ở nhÆ°ng cho thu\xea trước một năm — t\xf4i n\xean trả lời thế n\xe0o?","r4tour.step7.1.title":"Bạn c\xf3 quen biết người b\xe1n kh\xf4ng?","r4tour.step7.1.body":'Người th\xe2n, đối t\xe1c kinh doanh, hoặc mối quan hệ th\xe2n thiết với người b\xe1n khiến đ\xe2y trở th\xe0nh <strong>giao dịch kh\xf4ng độc lập (non-arm’s-length)</strong>. B\xean cho vay cần thẩm định kỹ hÆ¡n v\xe0 một thÆ° "tặng vốn chủ sở hữu (gift of equity)" nếu người b\xe1n tặng bạn một khoản chiết khấu.',"r4tour.step7.1.ask":"T\xf4i đang mua nh\xe0 của bố mẹ với gi\xe1 Æ°u đ\xe3i — điều đ\xf3 c\xf3 ảnh hưởng đến khoản vay kh\xf4ng?","r4tour.step7.2.title":"Bạn c\xf3 đang vay tiền m\xe0 chÆ°a cho ch\xfang t\xf4i biết kh\xf4ng?","r4tour.step7.2.body":'Mục n\xe0y ph\xe1t hiện <strong>c\xe1c khoản vay trả trước chÆ°a khai b\xe1o</strong> từ gia đ\xecnh, t\xedn dụng từ người b\xe1n, "vay từ bạn b\xe8", v.v. B\xean cấp quyền sở hữu v\xe0 b\xean cho vay sẽ t\xe1i kiểm chứng nguồn tiền mặt trước khi đ\xf3ng giao dịch. Một c\xe2u "kh\xf4ng" lẽ ra phải l\xe0 "c\xf3" c\xf3 thể khiến khoản vay bị hủy sau khi đ\xf3ng.',"r4tour.step7.2.ask":"Bố mẹ t\xf4i c\xf3 thể cho t\xf4i vay tiền trả trước m\xe0 kh\xf4ng cần khai b\xe1o kh\xf4ng?","r4tour.step7.3.title":"Bạn c\xf3 đang xin một khoản thế chấp kh\xe1c nữa kh\xf4ng?","r4tour.step7.3.body":"Nếu bạn đang xin một khoản thế chấp thứ hai ở nÆ¡i kh\xe1c trước khi khoản n\xe0y đ\xf3ng, h\xe3y chọn c\xf3. B\xean cho vay sẽ cộng dồn c\xe1c khoản trả v\xe0o <strong>DTI</strong> của bạn, ngay cả khi khoản vay kia chÆ°a được giải ng\xe2n. Việc che giấu sẽ lộ ra trong lần cập nhật t\xedn dụng trước khi đ\xf3ng giao dịch.","r4tour.step7.3.ask":"T\xf4i đ\xe3 được ph\xea duyệt sÆ¡ bộ với hai b\xean cho vay — t\xf4i c\xf3 cần khai b\xe1o cả hai kh\xf4ng?","r4tour.step7.4.title":"Bạn c\xf3 mở khoản t\xedn dụng mới trước khi đ\xf3ng giao dịch kh\xf4ng?","r4tour.step7.4.body":"B\xean cho vay sẽ <strong>k\xe9o lại hồ sÆ¡ t\xedn dụng v\xe0i ng\xe0y trước khi đ\xf3ng giao dịch (closing)</strong>. Mở thẻ t\xedn dụng mới, trả g\xf3p mua ghế sofa, hay xin vay mua xe trong khoảng thời gian đ\xf3 c\xf3 thể l\xe0m giảm điểm t\xedn dụng v\xe0 k\xedch hoạt lại qu\xe1 tr\xecnh underwriting. C\xe2u trả lời dễ nhất: đừng mở t\xedn dụng mới trong khoảng thời gian từ l\xfac nộp đơn đến khi đ\xf3ng giao dịch.","r4tour.step7.4.ask":"T\xf4i cần mua xe mới ngay b\xe2y giờ — t\xf4i c\xf3 n\xean đợi đến sau khi đ\xf3ng giao dịch kh\xf4ng?","r4tour.step7.5.title":"C\xf3 quyền giữ t\xe0i sản Æ°u ti\xean (priority lien) n\xe0o tr\xean bất động sản n\xe0y kh\xf4ng?","r4tour.step7.5.body":"Quyền giữ t\xe0i sản Æ°u ti\xean = thứ g\xec đ\xf3 xếp trước khoản vay thế chấp mới của bạn tr\xean giấy tờ sở hữu (lien thuế, lien thợ x\xe2y, ph\xed HOA, khoản vay PACE). Phải được giải quyết trước khi đ\xf3ng giao dịch. Hầu hết người vay trả lời Kh\xf4ng.","r4tour.step7.5.ask":"Khoản vay PACE l\xe0 g\xec v\xe0 l\xe0m sao t\xf4i biết bất động sản c\xf3 khoản vay đ\xf3 kh\xf4ng?","r4tour.step7.6.title":"Bạn c\xf3 phải l\xe0 người đồng k\xfd t\xean (co-signer) cho khoản vay của người kh\xe1c kh\xf4ng?","r4tour.step7.6.body":"Nếu bạn đ\xe3 đồng k\xfd t\xean cho khoản vay sinh vi\xean của con hoặc khoản vay mua xe của anh chị em, bạn vẫn phải chịu tr\xe1ch nhiệm d\xf9 kh\xf4ng trả tiền. N\xf3 được t\xednh l\xe0 <strong>nợ tiềm t\xe0ng (contingent liability)</strong> trong DTI, trừ khi bạn chứng minh được người vay ch\xednh đ\xe3 trả đ\xfang hạn trong 12 th\xe1ng.","r4tour.step7.6.ask":"T\xf4i đ\xe3 đồng k\xfd t\xean cho khoản vay sinh vi\xean của con g\xe1i t\xf4i — điều đ\xf3 c\xf3 ảnh hưởng đến khoản vay thế chấp của t\xf4i kh\xf4ng?","r4tour.step7.7.title":"Bạn c\xf3 bản \xe1n n\xe0o c\xf2n tồn đọng (outstanding judgment) kh\xf4ng?","r4tour.step7.7.body":"Bản \xe1n = t\xf2a ra lệnh buộc bạn phải trả một khoản g\xec đ\xf3 (kiện đ\xf2i nợ nhỏ, số dÆ° thỏa thuận ly h\xf4n, v.v.). C\xe1c bản \xe1n chÆ°a trả thường phải được thanh to\xe1n trước khi đ\xf3ng giao dịch. Hồ sÆ¡ t\xf2a d\xe2n sá»± l\xe0 c\xf4ng khai; b\xean cho vay sẽ t\xecm ra.","r4tour.step7.7.ask":"T\xf4i c\xf3 một bản \xe1n kiện đ\xf2i nợ nhỏ từ nhiều năm trước — t\xf4i c\xf3 phải trả hết kh\xf4ng?","r4tour.step7.8.title":"Bạn c\xf3 trễ hạn với khoản nợ li\xean bang n\xe0o kh\xf4ng?","r4tour.step7.8.body":"<strong>Yếu tố tá»± động bị từ chối</strong> đối với hầu hết c\xe1c chÆ°Æ¡ng tr\xecnh vay. Khoản vay sinh vi\xean li\xean bang bị vá

1»¡ nợ, nợ thuế IRS m\xe0 kh\xf4ng c\xf3 kế hoạch trả, nợ tiền cấp dưỡng con c\xe1i, khoản vay doanh nghiệp nhỏ li\xean bang bị vỡ nợ. H\xe3y lập một kế hoạch trả nợ c\xf3 giấy tờ trước.","r4tour.step7.8.ask":"T\xf4i đang theo kế hoạch trả nợ dá»±a tr\xean thu nhập cho khoản vay sinh vi\xean — t\xf4i c\xf3 bị coi l\xe0 trễ hạn kh\xf4ng?","r4tour.step7.9.title":"Bạn c\xf3 d\xednh v\xe0o vụ kiện n\xe0o m\xe0 c\xf3 thể phải trả tiền kh\xf4ng?","r4tour.step7.9.body":"Vụ kiện d\xe2n sá»± đang diễn ra trong đ\xf3 bạn l\xe0 bị đơn v\xe0 c\xf3 thể phải chịu tr\xe1ch nhiệm về t\xe0i ch\xednh. Kh\xf4ng bao gồm ly h\xf4n, trừ khi c\xf3 vấn đề tiền bạc đang tranh chấp chÆ°a giải quyết. Việc bạn kiện người kh\xe1c (nguy\xean đơn) th\xec kh\xf4ng t\xednh.","r4tour.step7.9.ask":"T\xf4i đang ly h\xf4n — điều đ\xf3 c\xf3 được t\xednh l\xe0 vụ kiện tr\xean mẫu đơn n\xe0y kh\xf4ng?","r4tour.step7.10.title":"Bạn c\xf3 mất bất động sản n\xe0o do tịch thu (foreclosure) trong v\xf2ng 7 năm kh\xf4ng?","r4tour.step7.10.body":"Bao gồm việc giao nh\xe0 thay cho tịch thu (deed-in-lieu), b\xe1n nh\xe0 lỗ (short sale) v\xe0 tịch thu truyền thống. Hầu hết c\xe1c chÆ°Æ¡ng tr\xecnh vay y\xeau cầu <strong>7 năm</strong> kể từ sá»± kiện đ\xf3 (\xedt hÆ¡n nếu c\xf3 t\xecnh tiết giảm nhẹ được ghi nhận nhÆ° kh\xf3 khăn về y tế).","r4tour.step7.10.ask":"T\xf4i đ\xe3 b\xe1n nh\xe0 lỗ (short sale) c\xe1ch đ\xe2y 5 năm — t\xf4i vẫn c\xf3 thể vay thế chấp được kh\xf4ng?","r4tour.step7.11.title":"Bạn c\xf3 nộp đơn ph\xe1 sản trong v\xf2ng 7 năm kh\xf4ng?","r4tour.step7.11.body":"Bao gồm ChÆ°Æ¡ng 7, 11, 12, 13. <strong>Nếu c\xf3, ch\xfang t\xf4i sẽ hỏi bạn thuộc chÆ°Æ¡ng n\xe0o.</strong> Thời gian chờ kh\xe1c nhau: ChÆ°Æ¡ng 7 = 4 năm (FHA: 2). ChÆ°Æ¡ng 13 = 2 năm kể từ khi giải trừ, hoặc 1 năm ho\xe0n tất thanh to\xe1n + t\xf2a \xe1n chấp thuận.","r4tour.step7.11.ask":"T\xf4i đ\xe3 nộp đơn ph\xe1 sản ChÆ°Æ¡ng 13 ba năm trước v\xe0 đ\xe3 được giải trừ — t\xf4i c\xf3 đủ điều kiện kh\xf4ng?","r4tour.step7.12.title":"Giải th\xedch bất kỳ c\xe2u trả lời C\xf3 n\xe0o","r4tour.step7.12.body":"<strong>Bỏ qua nếu bạn trả lời Kh\xf4ng cho tất cả.</strong> Nếu bạn trả lời C\xf3 cho bất kỳ khai b\xe1o n\xe0o, <strong>rất khuyến nghị</strong> bạn soạn lời giải th\xedch tại đ\xe2y — v\xe0i c\xe2u cho mỗi mục: chuyện g\xec đ\xe3 xảy ra, khi n\xe0o, t\xecnh trạng hiện tại (đ\xe3 trả xong / đang theo kế hoạch trả g\xf3p / đang chờ xá»­ l\xfd). D\xf9 sao b\xean cho vay cÅ©ng sẽ cần một thÆ° giải th\xedch ch\xednh thức; bản nh\xe1p n\xe0y gi\xfap bạn khởi đầu nhanh hÆ¡n.","r4tour.step7.12.ask":"ThÆ° giải th\xedch của t\xf4i cần chi tiết đến mức n\xe0o?","r4tour.step8.0.title":"X\xe1c nhận v\xe0 Thỏa thuận","r4tour.step8.0.body":"Đ\xe2y l\xe0 <strong>c\xe1i bắt tay ph\xe1p l\xfd</strong> trước khi đơn của bạn được nộp. S\xe1u điểm được đ\xe1nh số: (1) th\xf4ng tin bạn cung cấp l\xe0 đ\xfang sá»± thật, (2) bất động sản bảo đảm cho khoản vay, (3) việc thẩm định gi\xe1 l\xe0 d\xe0nh cho b\xean cho vay, (4) bạn đồng \xfd k\xfd điện tá»­, (5) thanh to\xe1n trễ ảnh hưởng đến t\xedn dụng của bạn, (6) bạn cho ph\xe9p b\xean cho vay x\xe1c minh th\xf4ng tin cá»

1§a bạn. H\xe3y đọc từng điểm, rồi đ\xe1nh dấu \xf4 ở dưới c\xf9ng để tiếp tục. Khai gian trong đơn vay thế chấp l\xe0 tội li\xean bang (18 U.S.C. \xa7 1014), n\xean h\xe3y d\xe0nh thời gian.","r4tour.step8.0.ask":"Khi đ\xe1nh dấu \xf4 n\xe0y, t\xf4i thá»±c sá»± đang đồng \xfd với điều g\xec?","r4tour.step9.0.title":"Bạn (hoặc người phối ngẫu đ\xe3 qua đời của bạn) c\xf3 từng phục vụ qu\xe2n đội kh\xf4ng?","r4tour.step9.0.body":"Cá»±u chiến binh v\xe0 qu\xe2n nh\xe2n tại ngÅ© đủ điều kiện vay <strong>VA loan</strong> với $0 tiền đặt cọc, kh\xf4ng cần PMI v\xe0 l\xe3i suất cạnh tranh. D\xf9 chỉ một ng\xe0y phục vụ đủ điều kiện cÅ©ng được t\xednh. Người phối ngẫu c\xf2n sống của qu\xe2n nh\xe2n tá»­ trận trong khi phục vụ cÅ©ng đủ điều kiện.","r4tour.step9.0.ask":"T\xf4i đ\xe3 phục vụ 2 năm trong Vệ binh Quốc gia — t\xf4i c\xf3 đủ điều kiện vay VA loan kh\xf4ng?","r4tour.step9.1.title":"Hiện đang tại ngÅ©?","r4tour.step9.1.body":"Đ\xe1nh dấu \xf4 n\xe0y nếu bạn đang phục vụ — điều đ\xf3 <strong>củng cố</strong> điều kiện vay VA loan, v\xe0 b\xean cho vay sẽ cần một Statement of Service hiện h\xe0nh ngo\xe0i DD-214 của bạn.","r4tour.step9.1.ask":"T\xf4i c\xf3 cần DD-214 kh\xf4ng nếu t\xf4i vẫn đang tại ngÅ©?","r4tour.step9.2.title":"Người phối ngẫu c\xf2n sống của một qu\xe2n nh\xe2n?","r4tour.step9.2.body":"Nếu người phối ngẫu của bạn qua đời trong khi phục vụ hoặc do thÆ°Æ¡ng tật li\xean quan đến qu\xe2n ngÅ©, bạn c\xf3 thể sá»­ dụng quyền lợi VA của họ — cần c\xf3 Certificate of Eligibility đặc biệt của VA d\xe0nh cho người phối ngẫu c\xf2n sống. Người m\xf4i giới của bạn c\xf3 thể gi\xfap bạn nộp đơn.","r4tour.step9.2.ask":"L\xe0m thế n\xe0o để t\xf4i nhận được VA Certificate of Eligibility với tÆ° c\xe1ch người phối ngẫu c\xf2n sống?","r4tour.step9.3.title":"V\xec sao ch\xfang t\xf4i hỏi th\xf4ng tin nh\xe2n khẩu học","r4tour.step9.3.body":"Luật li\xean bang (<strong>HMDA</strong>, Đạo luật C\xf4ng khai Th\xf4ng tin Vay Thế chấp Nh\xe0 ở) y\xeau cầu b\xean cho vay phải hỏi. <strong>Việc trả lời l\xe0 t\xf9y chọn</strong> — từ chối sẽ kh\xf4ng ảnh hưởng đến đơn, l\xe3i suất hay khả năng được duyệt của bạn. Dữ liệu được b\xe1o c\xe1o dưới dạng tổng hợp để gi\xe1m s\xe1t việc tu\xe2n thủ cho vay c\xf4ng bằng, kh\xf4ng bao giờ d\xf9ng để quyết định khoản vay của bạn.","r4tour.step9.3.ask":"Tại sao đơn vay thế chấp lại hỏi về chủng tộc v\xe0 sắc tộc của t\xf4i?","r4tour.step9.4.title":"Sắc tộc","r4tour.step9.4.body":"Chọn một mục: <em>Gốc T\xe2y Ban Nha hoặc Latinh</em>, <em>Kh\xf4ng phải gốc T\xe2y Ban Nha hoặc Latinh</em>, hoặc <em>T\xf4i kh\xf4ng muốn cung cấp</em>. Nếu bạn chọn Gốc T\xe2y Ban Nha hoặc Latinh, bạn sẽ được hỏi để n\xeau r\xf5 (Mexico, Puerto Rico, Cuba, hoặc Gốc T\xe2y Ban Nha kh\xe1c).","r4tour.step9.4.ask":"T\xf4i trả lời sắc tộc nhÆ° thế n\xe0o nếu t\xf4i c\xf3 nguồn gốc pha trộn?","r4tour.step9.5.title":"Giới t\xednh","r4tour.step9.5.body":'Ba lá»±a chọn: Nam, Nữ, hoặc "T\xf4i kh\xf4ng muốn cung cấp." Theo quy định li\xean bang cho mục đ\xedch HMDA, đ\xe2y l\xe0 giới t\xednh được chỉ định khi sinh, kh\xf4ng phải lời tuy\xean bố về bản dạng giới.',"r4tour.step9.5.ask":"Nếu bản dạng giới của t\xf4i kh\xe1c với giới t\xednh được chỉ định khi sinh th\xec sao?","r4tour.step9.6.title":"Chủng tộc","r4tour.step9.6.body":'<strong>Đ\xe1nh dấu tất cả những mục ph\xf9 hợp.</strong> Một số nh\xf3m c\xf3 lá»±a chọn phụ (Ch\xe2u \xc1 → Trung Quốc/Nhật Bản/H\xe0n Quốc/v.v.; D\xe2n đảo Th\xe1i B\xecnh DÆ°Æ¡ng → Người Hawaii bản địa/Samoa/v.v.). Người Da đỏ Mỹ hoặc Người bản địa Alaska sẽ hỏi t\xean bộ tộc. CÅ©ng c\xf3 lá»±a chọn "T\xf4i kh\xf4ng muốn cung cấp".',"r4tour.step9.6.ask":"T\xf4i thuộc nhiều chủng tộc — t\xf4i c\xf3 đ\xe1nh dấu nhiều hÆ¡n một \xf4 kh\xf4ng?","r4tour.step9.7.title":"Ch\xfang t\xf4i l\xe0m g\xec với dữ liệu n\xe0y","r4tour.step9.7.body":"B\xean cho vay nộp dữ liệu HMDA tổng hợp h\xe0ng năm cho CFPB. Dữ liệu n\xe0y theo d\xf5i <strong>

1c\xe1c m\xf4 h\xecnh cho vay c\xf4ng bằng</strong> — liệu một nh\xf3m c\xf3 bị từ chối thường xuy\xean hơn, nhận l\xe3i suất tệ hơn, v.v. CFPB v\xe0 c\xe1c nh\xe0 b\xe1o d\xf9ng n\xf3 để ph\xe1t hiện sự ph\xe2n biệt đối xử. C\xe2u trả lời c\xe1 nh\xe2n của bạn kh\xf4ng bao giờ được c\xf4ng bố.","r4tour.step9.7.ask":"T\xf4i c\xf3 thể xem dữ liệu HMDA ở đ\xe2u sau khi khoản vay của t\xf4i ho\xe0n tất?","r4tour.step10.0.title":"Đồng \xfd K\xfd Điện tử","r4tour.step10.0.body":"Bạn đang đồng \xfd nhận c\xe1c t\xe0i liệu c\xf4ng bố v\xe0 k\xfd giấy tờ vay <strong>bằng điện tử</strong> thay v\xec tr\xean giấy. Theo <em>E-Sign Act</em>, chữ k\xfd điện tử c\xf3 gi\xe1 trị ph\xe1p l\xfd tương đương. Bạn c\xf3 thể r\xfat lại bất cứ l\xfac n\xe0o — nhưng r\xfat lại trễ c\xf3 thể l\xe0m chậm việc ho\xe0n tất.","r4tour.step10.0.ask":"Việc r\xfat lại sự đồng \xfd k\xfd điện tử thực sự ảnh hưởng g\xec đến đơn của t\xf4i?","r4tour.step10.1.title":"Ủy quyền T\xedn dụng","r4tour.step10.1.body":"Bạn đang cho ph\xe9p nh\xe0 m\xf4i giới của m\xecnh lấy b\xe1o c\xe1o t\xedn dụng th\xf4ng qua b\xean cho vay b\xe1n bu\xf4n. Ở giai đoạn n\xe0y, đ\xe2y thường l\xe0 một lần <strong>tra cứu cứng (hard pull)</strong> (lần tra cứu mềm trước đ\xf3 l\xe0 để điền sẵn c\xe1c khoản nợ). Tra cứu cứng l\xe0m giảm 3–5 điểm t\xedn dụng trong khoảng 12 th\xe1ng, nhưng nhiều lần tra cứu thế chấp trong v\xf2ng <strong>14 ng\xe0y</strong> được t\xednh l\xe0 một lần.","r4tour.step10.1.ask":"Sự kh\xe1c biệt giữa tra cứu mềm v\xe0 tra cứu cứng tr\xean t\xedn dụng của t\xf4i l\xe0 g\xec?","r4tour.step10.2.title":"Điều khoản Dịch vụ","r4tour.step10.2.body":"Bạn đang x\xe1c nhận rằng th\xf4ng tin bạn cung cấp l\xe0 đ\xfang sự thật v\xe0 đồng \xfd với Điều khoản Dịch vụ + Ch\xednh s\xe1ch Quyền ri\xeang tư của nền tảng. Li\xean kết Điều khoản nằm ở ch\xe2n trang; h\xe3y đọc một lần nếu bạn chưa đọc.","r4tour.step10.2.ask":"T\xf4i t\xecm Điều khoản Dịch vụ đầy đủ ở đ\xe2u?","r4tour.step10.3.title":"Th\xf4ng b\xe1o SMS T\xf9y chọn","r4tour.step10.3.body":"<strong>Bỏ qua nếu bạn chỉ muốn nhận email.</strong> Ba danh mục t\xf9y chọn: <em>Bảo mật v\xe0 x\xe1c thực</em> (m\xe3 2FA), <em>Trạng th\xe1i khoản vay v\xe0 cập nhật vận h\xe0nh</em> (th\xf4ng b\xe1o trạng th\xe1i), v\xe0 <em>Nhắc nhở về t\xe0i liệu, đ\xf3ng hồ sơ v\xe0 k\xfd điện tử</em>. Chọn bất kỳ kết hợp n\xe0o — kh\xf4ng c\xf3 mục n\xe0o bắt buộc. C\xf3 thể \xe1p dụng cước tin nhắn v\xe0 dữ liệu. Trả lời <strong>STOP</strong> để hủy nhận bất cứ l\xfac n\xe0o.","r4tour.step10.3.ask":"Nếu t\xf4i chọn c\xe1c mục n\xe0y, t\xf4i sẽ nhận được tin nhắn quảng c\xe1o hay chỉ l\xe0 cập nhật trạng th\xe1i?","r4tour.cfg.dashboard.0.title":"Ch\xe0o mừng đến trung t\xe2m điều khiển","r4tour.cfg.dashboard.0.body":'<p class="vt-summary">Đ\xe2y l\xe0 bảng điều khiển của bạn — nơi duy nhất để theo d\xf5i mọi thứ về khoản vay, từ l\xfac nộp đơn đến khi cầm ch\xeca kh\xf3a tr\xean tay.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Bạn c\xf3 thể l\xe0m g\xec ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Trạng th\xe1i khoản vay trực tiếp</strong><span>Giai đoạn, h\xf4m nay so với dự kiến, vướng mắc hiện tại</span></li><li><strong>Y\xeau cầu đang chờ</strong><span>Mọi thứ ch\xfang t\xf4i cần từ bạn, cũ nhất trước</span></li><li><strong>Tiến độ nh\xe0 cung cấp</strong><span>S\xe1u luồng (t\xedn dụng, thẩm định, quyền sở hữu…) k\xe8m thời gian dự kiến</span></li><li><strong>Trung t\xe2m t\xe0i liệu</strong><span>

1Tải l\xean, theo d\xf5i v\xe0 x\xe1c minh mọi thứ ở một nơi</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Ch\xfang t\xf4i sẽ l\xe0m nổi bật từng phần tr\xean trang n\xe0y trước, rồi hướng dẫn bạn qua phần c\xf2n lại của trang (l\xe3i suất, m\xe1y t\xednh, đơn đăng k\xfd, t\xe0i liệu, t\xf9y chọn, c\xe0i đặt).</span>\n        </div>\n        <p class="vt-next-hint">Nhấp <strong>Tiếp theo</strong> để xem bảng trạng th\xe1i khoản vay của bạn.</p>',"r4tour.cfg.dashboard.1.title":"Trạng th\xe1i khoản vay của bạn","r4tour.cfg.dashboard.1.body":'<p class="vt-summary">Một thẻ duy nhất, to\xe0n cảnh đầy đủ — khoản vay đang ở đ\xe2u, ai đang l\xe0m chậm tiến độ, v\xe0 bạn đang đ\xfang nhịp đến mức n\xe0o.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Bạn c\xf3 thể l\xe0m g\xec ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>V\xf2ng tiến độ</strong><span>Phần trăm ho\xe0n th\xe0nh tr\xean 8 cột mốc</span></li><li><strong>Thanh tiến tr\xecnh</strong><span>Mỗi giai đoạn với trạng th\xe1i đ\xe3 đạt / đang thực hiện / sắp tới</span></li><li><strong>Dấu nhịp độ</strong><span>Đỏ = trung b\xecnh. Hổ ph\xe1ch = nơi BẠN đang ở.</span></li><li><strong>\xd4 đếm</strong><span>Đi s\xe2u v\xe0o đang xử l\xfd / ho\xe0n tất / cần ch\xfa \xfd</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.2.title":"Điểm sức khỏe khoản vay","r4tour.cfg.dashboard.2.body":'<p class="vt-summary">Một c\xe1i nh\xecn nhanh về t\xecnh h\xecnh hồ sơ của bạn — điểm tr\xean thang 100, c\xf9ng sắc th\xe1i dải (đ\xfang tiến độ, cần ch\xfa \xfd, hoặc cần h\xe0nh động) v\xe0 điều g\xec đang k\xe9o điểm xuống.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Nếu bạn thấy "cần ch\xfa \xfd", c\xe1ch nhanh nhất thường l\xe0 xử l\xfd y\xeau cầu đang chờ cũ nhất — những y\xeau cầu đ\xf3 để l\xe2u sẽ th\xe0nh "qu\xe1 hạn" v\xe0 l\xe0 l\xfd do số 1 khiến khoản vay trễ ng\xe0y đ\xf3ng hồ sơ.</span>\n        </div>',"r4tour.cfg.dashboard.3.title":"C\xe1n bộ t\xedn dụng của bạn","r4tour.cfg.dashboard.3.body":'<p class="vt-summary">H\xe3y kiểm tra kỹ xem đ\xe2y c\xf3 đ\xfang l\xe0 LO m\xe0 bạn đ\xe3 l\xe0m việc c\xf9ng kh\xf4ng. Họ l\xe0 đầu mối trực tiếp của bạn cho bất cứ điều g\xec cần con người xử l\xfd — l\xe3i suất, kịch bản, điều kiện, c\xe1c trường hợp đặc biệt.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Nếu t\xean hoặc th\xf4ng tin li\xean hệ tr\xf4ng kh\xf4ng đ\xfang, h\xe3y nhắn cho ch\xfang t\xf4i qua n\xfat tr\xf2 chuyện ở cuối bảng điều khiển v\xe0 ch\xfang t\xf4i sẽ ph\xe2n c\xf4ng lại.</span>\n        </div>',"r4tour.cfg.dashboard.4.title":"Th\xeam người đồng vay","r4tour.cfg.dashboard.4.body":'<p class="vt-summary">Mua nh\xe0 hoặc t\xe1i cấp vốn c\xf9ng vợ/chồng hay người bạn đời? Mời họ tại đ\xe2y. Họ sẽ nhận được email k\xe8m li\xean kết an to\xe0n để điền phần 1003 của ri\xeang m\xecnh — kh\xf4ng cần chia sẻ th\xf4ng tin đăng nhập của bạn.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Bạn c\xf3 thể l\xe0m g\xec ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Lời mời qua email</strong><span>Gửi ngay lập tức, li\xean kết hết hạn sau 7 ng\xe0y</span></li><li><strong>Đăng nhập ri\xeang của họ</strong><span>Họ đăng nhập bằng email + mật khẩu tự chọn</span></li><li><strong>Bạn vẫn kiểm so\xe1t</strong><span>Bạn c\xf3 thể xem trạng th\xe1i của họ, gửi lại lời mời, hoặc thu hồi quyền truy cập</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.5.title":"V\xe0 chế độ xem Giai đoạn","r4tour.cfg.dashboard.5.body":'<p class="vt-summary">

1C\xf9ng một khoản vay, từng giai đoạn một. Vuốt (hoặc chạm) giữa Đơn đăng k\xfd → Định gi\xe1 → Xử l\xfd → Thẩm định → Điều kiện → Sẵn s\xe0ng đ\xf3ng hồ sơ để xem điều g\xec đang diễn ra v\xe0 điều g\xec được kỳ vọng ở mỗi bước.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Ch\xfang t\xf4i vừa chạy qua to\xe0n bộ tr\xecnh tự n\xean bạn đ\xe3 thấy cả s\xe1u giai đoạn. Giờ h\xe3y dừng lại ở hai giai đoạn tốn nhiều c\xf4ng sức của bạn nhất: định gi\xe1 v\xe0 xử l\xfd.</span>\n        </div>',"r4tour.cfg.dashboard.6.title":"Định gi\xe1 — l\xe3i suất tốt nhất của bạn, trực tiếp","r4tour.cfg.dashboard.6.body":'<p class="vt-summary">Khi đơn đăng k\xfd của bạn đ\xe3 sẵn s\xe0ng, ch\xfang t\xf4i lấy gi\xe1 trực tiếp từ mọi đơn vị cho vay b\xe1n bu\xf4n trong mạng lưới của broker v\xe0 đưa ra lựa chọn ph\xf9 hợp nhất duy nhất cho t\xecnh huống của bạn. Ở đ\xe2y chỉ để xem; việc kh\xf3a l\xe3i suất diễn ra ở ph\xeda broker.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Bạn c\xf3 thể l\xe0m g\xec ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Biểu ngữ l\xe3i suất tốt nhất</strong><span>Ưu đ\xe3i cạnh tranh nhất cho hồ sơ của bạn ngay l\xfac n\xe0y</span></li><li><strong>P&I h\xe0ng th\xe1ng</strong><span>Gốc + l\xe3i, t\xednh từ l\xe3i suất n\xe0y tr\xean số tiền vay của bạn</span></li><li><strong>Điểm chiết khấu</strong><span>Gi\xe1 tốt nhất ở mức par hay bao gồm việc mua giảm l\xe3i suất</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>L\xe3i suất thay đổi h\xe0ng ng\xe0y — đ\xf4i khi trong ng\xe0y. Nếu thấy mức n\xe0o ưng \xfd, h\xe3y nhắn cho c\xe1n bộ t\xedn dụng để kh\xf3a lại. Ch\xfang t\xf4i l\xe0m mới thẻ n\xe0y mỗi khi bảng l\xe3i suất b\xe1n bu\xf4n được cập nhật.</span>\n        </div>',"r4tour.cfg.dashboard.7.title":"K\xe9o v\xe0 thả t\xe0i liệu của bạn","r4tour.cfg.dashboard.7.body":'<p class="vt-summary">Đ\xe2y l\xe0 tr\xe1i tim của kh\xe2u xử l\xfd. Thả bất kỳ t\xe0i liệu n\xe0o v\xe0o bất cứ đ\xe2u trong v\xf9ng n\xe0y v\xe0 AI của ch\xfang t\xf4i sẽ tự động ph\xe2n loại — phiếu lương v\xe0o mục Thu nhập, sao k\xea ng\xe2n h\xe0ng v\xe0o mục T\xe0i sản, hợp đồng mua b\xe1n v\xe0o mục Bất động sản. Bạn kh\xf4ng phải gắn nh\xe3n g\xec cả.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Bạn c\xf3 thể l\xe0m g\xec ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Thả nhiều tệp</strong><span>K\xe9o cả một thư mục c\xf9ng l\xfac — ch\xfang t\xf4i sắp xếp tất cả</span></li><li><strong>Nhận dạng tự động</strong><span>OCR đọc từng trang v\xe0 x\xe1c định đ\xf3 l\xe0 g\xec</span></li><li><strong>Tải l\xean từ điện thoại được</strong><span>Chụp một tấm ảnh v\xe0 k\xe9o n\xf3 v\xe0o từ thư viện ảnh</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Sao k\xea ng\xe2n h\xe0ng PHẢI gồm đủ mọi trang (đ\xfang vậy, kể cả những trang trắng ở cuối) — đơn vị cho vay từ chối sao k\xea thiếu trang. AI sẽ cảnh b\xe1o nếu thấy số trang kh\xf4ng khớp.</span>\n        </div>',"r4tour.cfg.dashboard.8.title":"Bảo hiểm nh\xe0 ở — xử l\xfd C\xc0NG SỚM C\xc0NG TỐT","r4tour.cfg.dashboard.8.body":'<p class="vt-summary">Ch\xfang t\xf4i cần th\xf4ng tin li\xean hệ của đại l\xfd bảo hiểm nh\xe0 ở của bạn từ sớm để đơn vị cho vay c\xf3 thể y\xeau cầu trang khai b\xe1o (declarations page) trước khi thẩm định được duyệt. Thiếu mục n\xe0y l\xe0 l\xfd do phổ biến nhất khiến khoản vay trễ ng\xe0y đ\xf3ng hồ sơ.</p>\n        \n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Nếu bạn chưa c\xf3 đại l\xfd, h\xe3y hỏi c\xe1n bộ t\xedn dụng để được giới thiệu — họ l\xe0m việc với c\xe1c h\xe3ng bảo hiểm thường xuy\xean v\xe0 thường lấy được b\xe1o gi\xe1 cạnh tranh cho bạn trong một, hai ng\xe0y.</span>\n        </div>',"r4tour.cfg.dashboard.9.title":"Cần bạn ch\xfa \xfd","r4tour.cfg.dashboard.9.body":'<p class="vt-summary">Đ\xe2y l\xe0 h\xe0ng chờ việc cần l\xe0m của bạn. Mọi thứ ở đ\xe2y đều đang chờ BẠN — thường l\xe0 c\xe1c bản c\xf4ng bố cần k\xfd (Loan Estimate, Closing Disclosure, v.v.) hoặc c\xe1c t\xe0i liệu m\xe0 b\xean cho vay đ\xe1nh dấu l\xe0 c\xf2n thiếu.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>H\xe3y xử l\xfd những việc n\xe0y trước ti\xean mỗi khi bạn v\xe0o đ\xe2y. B\xean cho vay sẽ tạm dừng thẩm định bất kỳ hồ sơ n\xe0o c\xf3 chữ k\xfd qu\xe1 hạn.</span>\n        </div>',"r4tour.cfg.dashboard.10.title":"Mọi t\xe0i liệu m\xe0 ch\xfang t\xf4i y\xeau cầu","r4tour.cfg.dashboard.10.body":'<p class="vt-summary">B\xean dưới h\xe0ng việc cần l\xe0m, bạn sẽ thấy c\xe1c cột cho từng hạng mục ch\xfang t\xf4i cần: Danh t\xednh, Thu nhập, T\xe0i sản, Bất động sản, C\xf4ng bố. Mỗi t\xe0i liệu được đ\xe1nh dấu l\xe0 đ\xe3 ho\xe0n tất (xanh l\xe1) hoặc đang chờ bạn (hổ ph\xe1ch). Ch\xfang t\xf4i cần TẤT CẢ ch\xfang trước khi c\xf3 thể tiến h\xe0nh thẩm định.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Nếu bạn kh\xf4ng chắc một y\xeau cầu nghĩa l\xe0 g\xec (v\xed dụ "hai th\xe1ng sao k\xea ng\xe2n h\xe0ng — tất cả c\xe1c trang"), h\xe3y chạm v\xe0o t\xe0i liệu đ\xf3 v\xe0 ch\xfang t\xf4i sẽ đưa ra c\xe1c v\xed dụ dễ hiểu về những g\xec được t\xednh.</span>\n        </div>',"r4tour.cfg.dashboard.11.title":"Bị mắc kẹt? H\xe3y hỏi một người thật.","r4tour.cfg.dashboard.11.body":'<p class="vt-summary">C\xf3 t\xe0i liệu n\xe0o khiến bạn l\xfang t\xfang? Đừng để đ\xf3 — chuy\xean vi\xean cho vay hoặc nh\xe0 m\xf4i giới c\xf3 giấy ph\xe9p của bạn c\xf3 thể giải quyết hầu hết mọi thắc mắc chỉ trong một tin nhắn.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Tốc độ phản hồi l\xe0 yếu tố dự đo\xe1n lớn nhất cho việc đ\xf3ng hồ sơ đ\xfang hạn. Người vay phản hồi trong v\xf2ng 4 giờ đ\xf3ng hồ sơ nhanh hơn trung b\xecnh ~9 ng\xe0y so với người phản hồi trong v\xf2ng 48 giờ.</span>\n        </div>\n        <p class="vt-next-hint">Nhấp <strong>Tiếp theo</strong> để xem c\xe1c mức l\xe3i suất trực tiếp h\xf4m nay.</p>',"r4tour.cfg.rates.0.title":"L\xe3i suất vay mua nh\xe0 h\xf4m nay","r4tour.cfg.rates.0.body":'<p class="vt-summary">L\xe3i suất k\xeanh b\xe1n bu\xf4n được cập nhật h\xe0ng ng\xe0y từ bảng l\xe3i suất của nh\xe0 m\xf4i giới của bạn. Đ\xe2y l\xe0 những con số thực m\xe0 khoản vay của bạn sẽ được định gi\xe1 theo — kh\xf4ng phải c\xe1c mức l\xe3i suất quảng c\xe1o hấp dẫn bạn thấy tr\xean Google.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Định gi\xe1 theo từng chương tr\xecnh</strong><span>Conventional, FHA, VA, USDA, jumbo, ARM</span></li><li><strong>L\xe3i suất vs. APR</strong><span>APR bao gồm ph\xed + điểm, n\xean n\xf3 phản \xe1nh chi ph\xed thực hơn</span></li><li><strong>Cập nhật trực tiếp</strong><span>L\xe3i suất c\xf3 thể thay đổi hai lần trong một ng\xe0y khi thị trường biến động</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>So s\xe1nh theo APR, kh\xf4ng phải l\xe3i suất. Hai khoản vay c\xf3 c\xf9ng l\xe3i suất 6.500% c\xf3 thể c\xf3 APR rất kh\xe1c nhau — v\xe0 khoản vay c\xf3 APR cao hơn sẽ tốn k\xe9m hơn trong suốt v\xf2ng đời khoản vay.</span>\n        </div>',"r4tour.cfg.rates.1.title":"Bảng so s\xe1nh l\xe3i suất","r4tour.cfg.rates.1.body":'<p class="vt-summary">Mỗi h\xe0ng l\xe0 một chương tr\xecnh vay. Mỗi cột l\xe0 một điều bạn n\xean so s\xe1nh trước khi chọn.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>L\xe3i suất</strong><span>Tiền l\xe3i t\xednh tr\xean số dư khoản vay</span></li><li><strong>APR</strong><span>L\xe3i suất + ph\xed + điểm, biểu thị dưới dạng một tỷ lệ % h\xe0ng năm duy nhất</span></li><li><strong>Điểm</strong><span>Ph\xed trả trước t\xf9y chọn để giảm l\xe3i suất của bạn (1 điểm = 1% số tiền vay)</span></li><li><strong>P&I h\xe0ng th\xe1ng ước t\xednh</strong><span>Chỉ gồm gốc + l\xe3i — thuế/bảo hiểm/HOA được cộng th\xeam</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">\n            <span class="vt-example-label">V\xed dụ</span>\n            <span>Khoản vay cố định 30 năm ở mức 6.875% với 0 điểm so với 6.500% với 2 điểm: khoản vay 2 điểm chỉ c\xf3 lợi nếu bạn giữ n\xf3 qua điểm h\xf2a vốn (~5-7 năm).</span>\n        </div>',"r4tour.cfg.rates.2.title":"Đặt cảnh b\xe1o l\xe3i suất","r4tour.cfg.rates.2.body":'<p class="vt-summary">H\xe3y cho ch\xfang t\xf4i biết mức l\xe3i suất mục ti\xeau của bạn v\xe0 ch\xfang t\xf4i sẽ gửi email ngay khi bất kỳ chương tr\xecnh n\xe0o giảm xuống mức đ\xf3. Kh\xf4ng c\xf3 tin nhắn phiền nhiễu h\xe0ng ng\xe0y — chỉ th\xf4ng b\xe1o quan trọng m\xe0 th\xf4i.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>C\xe1c nh\xe0 m\xf4i giới gặp h\xe0ng ngh\xecn người vay đang theo d\xf5i l\xe3i suất. Đặt cảnh b\xe1o l\xe0 c\xe1ch chắc chắn nhất để bắt được mức giảm m\xe0 kh\xf4ng cần d\xe1n mắt v\xe0o trang.</span>\n        </div>',"r4tour.cfg.rates.3.title":"Kh\xf3a l\xe3i suất khi bạn sẵn s\xe0ng","r4tour.cfg.rates.3.body":'<p class="vt-summary">Kh\xf3a l\xe3i suất bảo vệ bạn khỏi việc l\xe3i suất tăng trong khi hồ sơ của bạn ho\xe0n tất. C\xe1c kỳ kh\xf3a ti\xeau chuẩn l\xe0 15, 30, 45 hoặc 60 ng\xe0y.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Kh\xf3a qu\xe1 sớm</strong><span>Bạn phải trả ph\xed kh\xf3a lại nếu hồ sơ của bạn vượt qu\xe1 thời hạn kh\xf3a</span></li><li><strong>Kh\xf3a qu\xe1 muộn</strong><span>Bạn g\xe1nh mọi mức tăng l\xe3i suất từ b\xe2y giờ đến l\xfac đ\xf3ng hồ sơ</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Hầu hết c\xe1c khoản vay được kh\xf3a trước 30-45 ng\xe0y so với ng\xe0y dự kiến đ\xf3ng hồ sơ. Nh\xe0 m\xf4i giới của bạn sẽ đề xuất một khung thời gian cụ thể dựa tr\xean hồ sơ của bạn.</span>\n        </div>',"r4tour.cfg.rates.4.title":"Lời khuy\xean chuy\xean gia — trao đổi với LO của bạn","r4tour.cfg.rates.4.body":'<p class="vt-summary">C\xe1c bảng l\xe3i suất kh\xf4ng thể cho bạn biết chương tr\xecnh n\xe0o thực sự ph\xf9 hợp với hồ sơ của bạn. Chuy\xean vi\xean cho vay của bạn th\xec c\xf3 thể — họ nh\xecn thấy tất cả c\xe1c r\xe0ng buộc (DTI, LTV, h\xecnh thức cư tr\xfa, t\xedn dụng, dự trữ) c\xf9ng một l\xfac.</p>\n        \n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Nếu bạn ph\xe2n v\xe2n giữa VA, FHA, conventional hay một ARM, h\xe3y gửi cho LO của bạn một tin nhắn m\xf4 tả mục ti\xeau của bạn (thanh to\xe1n thấp nhất? thời hạn ngắn nhất? r\xfat tiền mặt?) v\xe0 họ sẽ giải th\xedch cho bạn c\xe1c đ\xe1nh đổi bằng ng\xf4n ngữ dễ hiểu.</span>\n        </div>',"r4tour.cfg.rates.5.title":"Tiếp theo: m\xe1y t\xednh","r4tour.cfg.rates.5.body":'<p class="vt-summary">Ba c\xf4ng cụ để lập kế hoạch quanh c\xe1c mức l\xe3i suất bạn vừa xem.</p>\n        \n        \n        \n        <p class="vt-next-hint">Nhấp <strong>Tiếp theo</strong> để đến đ\xf3.</p>',"r4tour.cfg.calculators.0.title":"M\xe1y t\xednh vay mua nh\xe0","r4tour.cfg.calculators.0.body":'<p class="vt-summary">Ba ph\xe9p kiểm tra nhanh dựa tr\xean c\xf9ng c\xf4ng thức to\xe1n m\xe0 chuy\xean vi\xean cho vay của bạn sử dụng. Điều chỉnh bất kỳ th\xf4ng số n\xe0o v\xe0 xem mọi con số phụ thuộc cập nhật ngay lập tức.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Khoản thanh to\xe1n h\xe0ng th\xe1ng</strong><span>Gốc + l\xe3i + thuế + bảo hiểm + HOA (PITIA)</span></li><li><strong>Khả năng chi trả</strong><span>Gi\xe1 mua tối đa theo thu nhập, nợ v\xe0 tiền trả trước của bạn</span></li><li><strong>ROI t\xe1i cấp vốn</strong><span>Điểm h\xf2a vốn cho việc t\xe1i cấp vốn theo l\xe3i suất v\xe0 thời hạn</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Mỗi m\xe1y t\xednh c\xf3 một bảng thuật ngữ ở cuối giải th\xedch c\xe1c thuật ngữ bằng ng\xf4n ngữ dễ hiểu — hữu \xedch nếu "front-end DTI" hay "LTV" khiến bạn hoa mắt.</span>\n        </div>',"r4tour.cfg.calculators.1.title":"Chuyển tab ở ph\xeda tr\xean c\xf9ng","r4tour.cfg.calculators.1.body":'<p class="vt-summary">Mỗi m\xe1y t\xednh l\xe0 một tab ri\xeang. Phần giải th\xedch ở đầu mỗi tab cho bạn biết n\xf3 t\xednh to\xe1n điều g\xec v\xe0 khi n\xe0o n\xean d\xf9ng.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">V\xed dụ</span>\n            <span>D\xf9ng Khả năng chi trả trước khi bạn đưa ra lời đề nghị ("t\xf4i c\xf3 thể chi trả bao nhi\xeau?"). D\xf9ng Khoản thanh to\xe1n h\xe0ng th\xe1ng sau đ\xf3 ("căn nh\xe0 n\xe0y tốn bao nhi\xeau?"). D\xf9ng ROI t\xe1i cấp vốn để quyết định xem việc t\xe1i cấp vốn khoản vay hiện tại của bạn c\xf3 đ\xe1ng hay kh\xf4ng.</span>\n        </div>\n        \n        <p class="vt-next-hint">Điểm dừng tiếp theo: đơn đăng k\xfd 1003.</p>',"r4tour.cfg.apply.0.title":"Đơn xin vay thế chấp 1003","r4tour.cfg.apply.0.body":'<p class="vt-summary">Mẫu 1003 l\xe0 đơn đăng k\xfd ti\xeau chuẩn m\xe0 mọi b\xean cho vay ở Mỹ đều d\xf9ng. Ch\xfang t\xf4i chia th\xe0nh 10 bước hướng dẫn ngắn để bạn c\xf3 thể điền xong tr\xean điện thoại trong một lần ngồi.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Th\xf4ng tin người vay, địa chỉ, li\xean hệ</strong><span>Bước 1 — th\xf4ng tin cơ bản của bạn + qu\xe9t ID nhanh nếu muốn</span></li><li><strong>Việc l\xe0m + thu nhập</strong><span>Bước 2 — lịch sử 2 năm, c\xf4ng việc hiện tại, thu nhập h\xe0ng th\xe1ng</span></li><li><strong>T\xe0i sản + nợ</strong><span>Bước 3-4 — t\xe0i khoản ng\xe2n h\xe0ng, thẻ t\xedn dụng, khoản vay</span></li><li><strong>Chi tiết t\xe0i sản + khoản vay</strong><span>Bước 6 — bạn đang mua g\xec, cần bao nhi\xeau</span></li><li><strong>Khai b\xe1o + đồng \xfd</strong><span>Bước 7-10 — c\xe2u hỏi ph\xe1p l\xfd + ủy quyền k\xfd điện tử</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Tự động lưu chạy mỗi 1.5 gi\xe2y — bạn c\xf3 thể đ\xf3ng tab bất cứ l\xfac n\xe0o v\xe0 tiếp tục đ\xfang chỗ bạn dừng lại.</span>\n        </div>',"r4tour.cfg.apply.1.title":"Lưu bất cứ l\xfac n\xe0o \xb7 di chuyển tự do","r4tour.cfg.apply.1.body":'<p class="vt-summary">Thanh tiến tr\xecnh ở tr\xean c\xf9ng theo d\xf5i mọi bước. Bạn c\xf3 thể quay lại để sửa, đi tới để xem trước những g\xec sắp đến, hoặc lưu v\xe0 tho\xe1t để ho\xe0n tất sau.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Chỉ b\xe1o tự động lưu</strong><span>Nh\xe3n "Đ\xe3 lưu" ở g\xf3c tr\xean b\xean phải cho biết đ\xe1m m\xe2y đ\xe3 c\xf3 mọi thứ</span></li><li><strong>Nhảy đến bước</strong><span>Nhấp v\xe0o bất kỳ biểu tượng bước n\xe0o tr\xean thanh để di chuyển</span></li><li><strong>Tiếp tục tr\xean mọi thiết bị</strong><span>Bắt đầu tr\xean laptop, ho\xe0n tất tr\xean điện thoại — bản nh\xe1p đi theo bạn</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Nếu nh\xe3n tự động lưu hiển thị "Đang chỉnh sửa…" hơn v\xe0i gi\xe2y, h\xe3y nhấn Lưu trước khi di chuyển — thường l\xe0 do mạng chậm.</span>\n        </div>',"r4tour.cfg.apply.2.title":"Bị kẹt? Hỏi Breeze","r4tour.cfg.apply.2.body":'<p class="vt-summary">Biểu tượng trợ gi\xfap nổi sẽ mở một chatbot hiểu r\xf5 mẫu 1003 từ trong ra ngo\xe0i. Hỏi bất cứ điều g\xec — một trường nghĩa l\xe0 g\xec, tại sao ch\xfang t\xf4i cần n\xf3, điền g\xec nếu bạn kh\xf4ng biết c\xe2u trả lời ch\xednh x\xe1c.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">V\xed dụ</span>\n            <span>"Sự kh\xe1c biệt giữa &lsquo;Số năm l\xe0m việc&rsquo; v\xe0 &lsquo;Số năm trong ng\xe0nh n\xe0y&rsquo; l\xe0 g\xec?" hoặc "T\xf4i kh\xf4ng c\xf3 t\xean đệm — t\xf4i phải l\xe0m g\xec?"</span>\n        </div>\n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Breeze chỉ tập trung v\xe0o thế chấp — sẽ kh\xf4ng giả vờ l\xe0 một AI chung chung hay trả lời c\xe2u hỏi lạc đề, điều n\xe0y gi\xfap c\xe2u trả lời của Breeze đ\xe1ng tin cậy.</span>\n        </div>',"r4tour.cfg.documents.0.title":"Trung t\xe2m t\xe0i liệu của bạn","r4tour.cfg.documents.0.body":'<p class="vt-summary">Mọi t\xe0i liệu m\xe0 b\xean cho vay cần đều nằm ở đ\xe2y. Ch\xfang t\xf4i OCR những g\xec bạn tải l\xean, tự động ph\xe2n loại từng tệp v\xe0o đ\xfang chỗ, v\xe0 cho bạn biết c\xf2n thiếu g\xec.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Danh t\xednh</strong><span>Bằng l\xe1i xe / hộ chiếu / ID tiểu bang</span></li><li><strong>Thu nhập</strong><span>Phiếu lương, W-2, 1099, tờ khai thuế</span></li><li><strong>T\xe0i sản</strong><span>2 th\xe1ng sao k\xea ng\xe2n h\xe0ng mỗi t\xe0i khoản, số dư hưu tr\xed</span></li><li><strong>T\xe0i sản nh\xe0</strong><span>Hợp đồng mua b\xe1n, bi\xean nhận tiền đặt cọc, hợp đồng HOI</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>K\xe9o v\xe0 thả được. Chụp ảnh từ điện thoại cũng được. Sao k\xea ng\xe2n h\xe0ng PHẢI c\xf3 đủ tất cả c\xe1c trang — kể cả trang trống — nếu kh\xf4ng b\xean cho vay sẽ từ chối.</span>\n        </div>',"r4tour.cfg.documents.1.title":"Tải l\xean th\xf4ng minh","r4tour.cfg.documents.1.body":'<p class="vt-summary">Thả một tệp v\xe0o v\xe0 ch\xfang t\xf4i sẽ t\xecm ra n\xf3 thuộc về đ\xe2u. OCR chạy ở chế độ nền — thường v\xe0i gi\xe2y, l\xe2u hơn với PDF nhiều h\xecnh ảnh.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>PDF (đọc được văn bản)</strong><span>Tốt nhất — OCR nhanh nhất, ch\xednh x\xe1c nhất</span></li><li><strong>JPG / PNG</strong><span>Được — ch\xfang t\xf4i OCR h\xecnh ảnh v\xe0 x\xe1c nhận dữ liệu tr\xedch xuất</span></li><li><strong>HEIC (iPhone)</strong><span>Tự động chuyển sang JPG trước khi tải l\xean</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">

1\n            <span class="vt-example-label">V\xed dụ</span>\n            <span>Chụp ảnh bằng l\xe1i xe bằng điện thoại — ch\xfang t\xf4i tr\xedch xuất t\xean, ng\xe0y sinh, địa chỉ, số bằng l\xe1i, ng\xe0y hết hạn v\xe0 m\xe3 vạch AAMVA chỉ trong một lần.</span>\n        </div>\n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Nếu sau n\xe0y b\xean cho vay từ chối một t\xe0i liệu (sai loại, sai kỳ, thiếu trang), ch\xfang t\xf4i sẽ hiển thị n\xf3 như một Y\xeau cầu Mở mới tr\xean bảng điều khiển của bạn k\xe8m \xf4 tải l\xean mới.</span>\n        </div>',"r4tour.cfg.loan-options.0.title":"C\xe1c lựa chọn khoản vay của bạn","r4tour.cfg.loan-options.0.body":'<p class="vt-summary">Sau khi bộ phận thẩm định duyệt hồ sơ của bạn, ch\xfang t\xf4i liệt k\xea ở đ\xe2y mọi chương tr\xecnh bạn đủ điều kiện — k\xe8m l\xe3i suất, khoản trả h\xe0ng th\xe1ng, điểm, v\xe0 một lựa chọn ph\xf9 hợp nhất được đề xuất cho t\xecnh huống của bạn.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>L\xe3i suất + APR + điểm</strong><span>C\xf9ng c\xe1c trường bạn đ\xe3 so s\xe1nh tr\xean trang l\xe3i suất, nhưng giờ gắn với hồ sơ CỦA BẠN</span></li><li><strong>Khoản trả h\xe0ng th\xe1ng</strong><span>PITIA thực tế dựa tr\xean số tiền vay, ước t\xednh thuế t\xe0i sản v\xe0 b\xe1o gi\xe1 HOI của bạn</span></li><li><strong>Tiền mặt để ho\xe0n tất</strong><span>Tiền trả trước + chi ph\xed kết th\xfac trừ đi mọi khoản t\xedn dụng</span></li><li><strong>Nh\xe3n "Ph\xf9 hợp nhất"</strong><span>Đề xuất của ch\xfang t\xf4i dựa tr\xean ưu ti\xean của bạn (l\xe3i suất thấp nhất vs. khoản trả thấp nhất vs. tiền mặt để ho\xe0n tất thấp nhất)</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Hồ sơ của bạn c\xf3 thể đủ điều kiện cho những chương tr\xecnh bạn kh\xf4ng biết l\xe0 tồn tại (HomeReady, Home Possible, t\xedn dụng từ b\xean cho vay, v.v.). H\xe3y xem hết danh s\xe1ch — thỏa thuận tốt nhất hiếm khi l\xe0 c\xe1i được quảng c\xe1o nhiều nhất.</span>\n        </div>',"r4tour.cfg.loan-options.1.title":"So s\xe1nh cạnh nhau","r4tour.cfg.loan-options.1.body":'<p class="vt-summary">Mỗi thẻ l\xe0 một đề nghị đ\xe3 định gi\xe1 đầy đủ từ một b\xean cho vay thực. Thanh trượt tiền trả trước định gi\xe1 lại từng thẻ theo thời gian thực — hữu \xedch để xem trả trước 5%, 10%, 20% thay đổi khoản trả h\xe0ng th\xe1ng của bạn như thế n\xe0o.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">V\xed dụ</span>\n            <span>Trượt từ 5% l\xean 20% tiền trả trước v\xe0 xem PMI biến mất khỏi mọi thẻ — đ\xf3 l\xe0 ph\xe9p t\xednh đằng sau "quy tắc chung 20%".</span>\n        </div>\n        \n        <p class="vt-next-hint">Điểm dừng cuối: c\xe0i đặt t\xe0i khoản.</p>',"r4tour.cfg.settings.0.title":"C\xe0i đặt t\xe0i khoản","r4tour.cfg.settings.0.body":'<p class="vt-summary">Hồ sơ, t\xf9y chọn th\xf4ng b\xe1o, bảo mật v\xe0 kiểm so\xe1t quyền ri\xeang tư đều nằm ở đ\xe2y.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Hồ sơ</strong><span>T\xean, email, điện thoại, địa chỉ — h\xe3y giữ lu\xf4n cập nhật</span></li><li><strong>Th\xf4ng b\xe1o</strong><span>Bật/tắt email/SMS/push theo từng loại sự kiện</span></li><li><strong>Bảo mật</strong><span>

12FA, c\xe2u hỏi bảo mật, Passkeys (sắp c\xf3)</span></li><li><strong>Quyền ri\xeang tư</strong><span>Tải dữ liệu + y\xeau cầu x\xf3a dữ liệu của t\xf4i</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Bật 2FA trước khi bạn tải l\xean SSN hoặc th\xf4ng tin ng\xe2n h\xe0ng. Đơn xin vay thế chấp l\xe0 mục ti\xeau lừa đảo c\xf3 gi\xe1 trị cao — 10 gi\xe2y để thiết lập 2FA l\xe0 một n\xe2ng cấp an to\xe0n thực sự.</span>\n        </div>',"r4tour.cfg.settings.1.title":"Tab bảo mật","r4tour.cfg.settings.1.body":'<p class="vt-summary">Nơi bạn tăng cường bảo mật cho t\xe0i khoản. C\xe1c b\xean cho vay xem x\xe9t tư thế bảo mật của người vay như một phần trong s\xe0ng lọc gian lận — bật những thứ n\xe0y thực sự gi\xfap hồ sơ của bạn tiến nhanh hơn.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>X\xe1c thực hai yếu tố</strong><span>SMS hoặc ứng dụng x\xe1c thực — đều được hỗ trợ</span></li><li><strong>C\xe2u hỏi bảo mật</strong><span>Đường kh\xf4i phục nếu bạn mất quyền truy cập thiết bị 2FA</span></li><li><strong>Passkeys</strong><span>Đăng nhập kh\xf4ng mật khẩu chống lừa đảo (sắp c\xf3)</span></li><li><strong>Phi\xean đang hoạt động</strong><span>Xem mọi thiết bị đ\xe3 đăng nhập v\xe0o t\xe0i khoản của bạn; đăng xuất bất kỳ thiết bị n\xe0o từ xa</span></li>\n            </ul>\n        </div>',"r4tour.cfg.settings.2.title":"Bạn đ\xe3 sẵn s\xe0ng","r4tour.cfg.settings.2.body":'<p class="vt-summary">Đ\xf3 l\xe0 to\xe0n bộ phần hướng dẫn. Giờ bạn đ\xe3 biết mỗi phần quan trọng trong khoản vay nằm ở đ\xe2u + c\xe1ch sử dụng n\xf3.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Những g\xec bạn c\xf3 thể l\xe0m ở đ\xe2y</p>\n            <ul class="vt-features">\n                <li><strong>Cần \xf4n lại?</strong><span>Ph\xe1t lại phần hướng dẫn n\xe0y bất cứ l\xfac n\xe0o từ bảng điều khiển</span></li><li><strong>Muốn chi tiết hơn?</strong><span>Hướng dẫn viết đầy đủ ở /borrower/help</span></li><li><strong>Mắc kẹt ở một c\xe2u hỏi cụ thể?</strong><span>Hỏi Breeze — bot trợ gi\xfap nổi — tr\xean bất kỳ trang n\xe0o</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Mẹo hay</span>\n            <span>Hầu hết người vay th\xe0nh c\xf4ng xử l\xfd c\xe1c Y\xeau cầu Mở tr\xean bảng điều khiển trong v\xf2ng 24 giờ v\xe0 trả lời tin nhắn của broker trong v\xf2ng 4 giờ. Tốc độ phản hồi l\xe0 yếu tố dự b\xe1o lớn nhất cho việc kết th\xfac đ\xfang hạn.</span>\n        </div>\n        <p class="vt-next-hint">Nhấp <strong>Xong</strong> để quay lại bảng điều khiển v\xe0 bắt đầu h\xe0nh động.</p>',"r4tour.chapter.dashboard":"Bảng điều khiển","r4tour.chapter.rates":"L\xe3i suất","r4tour.chapter.calculators":"C\xf4ng cụ t\xednh","r4tour.chapter.apply":"Đơn đăng k\xfd","r4tour.chapter.documents":"T\xe0i liệu","r4tour.chapter.loan-options":"T\xf9y chọn khoản vay","r4tour.chapter.settings":"C\xe0i đặt","r4tour.previewingChapter":"Đang xem trước {chapter}","r4tour.stepOf":"{current} tr\xean {total}","r4tour.previewing":"Đang xem trước…","r4tour.dialogLabel":"Bước hướng dẫn","r4tour.closeTour":"Đ\xf3ng hướng dẫn","r4tour.closeDisabledPreviewing":"Đ\xf3ng (bị tắt khi đang xem trước)"},tl:{"borrower.dashboard.title":"Ang iyong dashboard","borrower.dashboard.welcome":"Maligayang pagdating","borrower.dashboard.goodMorning":"Magandang umaga","borrower.dashboard.goodAfternoon":"Magandang hapon","borrower.dashboard.goodEvening":"Magandang gabi","borrower.actions.openConditions":"Mga aksyong naghihintay sa iyo","borrower.actions.allClear":"Walang mga nakabinbing aksyon","borrower.calculators.title":"Mga kalkulador ng mortgage","borrower.calculators.affordability":"Kakayahang bumili","borrower.calculators.refiRoi":"Refi ROI","borrower.calculators.monthlyPayment":"Buwanang bayad","borrower.notifications.empty":"Wala pang mga abiso.","borrower.notifications.markAllRead":"Markahan lahat bilang nabasa","borrower.disclosures.title":"Ang iyong mga disclosure","borrower.le.viewAndDownload":"Tingnan at i-download","borrower.cd.acknowledgeRequired":"Mangyaring kumpirmahin bago pumirma","borrower.cd.threeDayWait":"3 araw na panahon ng paghihintay","borrower.push.enable":"Makatanggap ng abiso kapag may nagbago","borrower.push.alreadyOn":"Naka-on ang mga push notification","borrower.timeline.title":"Ang timeline ng iyong pautang","borrower.closingRoom.title":"Silid ng pagsasara","borrower.closingRoom.scheduleNotary":"Mag-iskedyul ng notaryo","borrower.closingRoom.openSigningPortal":"Buksan ang portal ng pagpirma","borrower.preQual.cta":"Kunin ang aking pre-qual","borrower.preQual.noFicoImpact":"Walang epekto sa FICO","borrower.insurance.title":"Insurance ng may-ari ng bahay","borrower.insurance.applyNow":"Mag-apply","borrower.uploadDoc":"Mag-upload ng dokumento","borrower.connectBank":"I-connect ang bangko","common.cancel":"Kanselahin","common.save":"I-save","common.back":"Bumalik","common.next":"Susunod","common.done":"Tapos na","common.startApplication":"Simulan ang iyong aplikasyon","common.viewDetails":"Tingnan ang mga detalye","common.askVera":"Tanungin si Breeze","common.refresh":"I-refresh","common.openInbox":"Buksan ang inbox","auth.signIn":"Mag-sign in","auth.signOut":"Mag-sign out","nav.rates":"Mga Rate","nav.calculators":"Mga Kalkulador","nav.dashboard":"Dashboard","nav.documents":"Mga Dokumento","nav.conditions":"Mga Kondisyon","nav.loanOptions":"Mga Pagpipilian sa Pautang","nav.askVera":"Tanungin si Breeze","nav.pricing":"Pagpepresyo","nav.home":"Tahanan","nav.resources":"Mga Mapagkukunan","nav.support":"Suporta","nav.login":"Mag-login","nav.getStarted":"Magsimula","nav.createAccount":"Gumawa ng account","nav.openMenu":"Buksan ang menu","nav.navigation":"Nabigasyon","nav.themeWait":"Mangyaring maghintay...","nav.darkMode":"Dark Mode","nav.midnightMode":"Midnight Mode","nav.lightMode":"Light Mode","dashboard.loanId":"Ang iyong loan ID:","dashboard.group.progress.title":"Ang iyong progreso at mga susunod na hakbang","dashboard.group.progress.subtitle":"Ang kalagayan ng iyong loan at kung ano ang kailangan namin sa iyo","dashboard.group.numbers.title":"Ang iyong mga numero","dashboard.group.numbers.subtitle":"Bayad, kakayahang magbayad, at kalusugan ng loan","dashboard.group.closing.title":"Closing","dashboard.group.closing.subtitle":"Ang petsa ng iyong closing, mga gastos, at dapat dalhin","dashboard.group.team.title":"Ang iyong team at mga mensahe","dashboard.group.team.subtitle":"Ang iyong loan officer, mga co-borrower, at mga mensahe","dashboard.group.documents.title":"Mga dokumento at resources","dashboard.group.documents.subtitle":"Mga disclosure, paraan ng pagbabayad, referral, at gabay","dashboard.overview":"Pangkalahatang-tanaw","dashboard.stages":"Mga yugto","dashboard.finishAppToUnlock":"Tapusin ang iyong aplikasyon upang buksan ang pangkalahatang-tanaw ng dashboard","dashboard.messageLoanOfficer":"Makipag-ugnayan sa iyong loan officer","dashboard.helpCenter":"Sentro ng tulong","dashboard.askVeraLabel":"Tanungin si Breeze ng anumang bagay tungkol sa iyong pautang","dashboard.offlineBanner":"Offline ka — ang mga live na update ay 

1naka-pause. Ang iyong mga pagbabago ay naka-save nang lokal.","dashboard.offlineSnapshot":"Offline — nagpapakita ng huling na-save na snapshot","dashboard.offlineWelcomeBack":"Maligayang pagbabalik","dashboard.yourDashboard":"Ang iyong Dashboard","dashboard.offlineLoanStatus":"Katayuan ng pautang","dashboard.offlineCachedAt":"na-cache noong","dashboard.offlineStageSteps":"Yugto: {stage} — {done}/{total} mga hakbang na natapos","dashboard.offlineReconnect":"Kumonekta muli upang makita ang mga live na update at magsagawa ng mga aksyon.","dashboard.offlineItemNeeded":"{n} item pa ang kailangan","dashboard.offlineItemsNeeded":"{n} mga item pa ang kailangan","dashboard.loadingProfile":"Nilo-load ang iyong profile…","dashboard.redirectingLogin":"Nagre-redirect sa login...","dashboard.stuckSignOut":"Natigil? Mag-sign out at subukan muli","dashboard.appSubmitted":"Naisumite na ang aplikasyon","dashboard.appSubmittedMsg":"Naabisuhan na ang iyong broker. Makikita mo ang mga update dito habang inaasikaso ang iyong pautang.","dashboard.brokerPreviewDetail":"— ito ay isang eksaktong kopya ng nakikita ng iyong borrower sa kanilang dashboard ngayon.","dashboard.exitPreview":"Lumabas sa preview","conditions.headerTitle":"Ilang bagay na kailangan ng iyong nagpapautang","conditions.headerSubtitle":"I-upload ang hinihiling sa ibaba — o i-drop lang ang isang file kahit sa

1an at itatambal namin ito sa tamang aytem. Maaari mong gawin ang mga ito sa anumang pagkakasunud-sunod.","conditions.conditionsLabel":"Mga Kondisyon","conditions.toUpload":"Para i-upload","conditions.submittedInReview":"Naisumite \xb7 sinisiyasat","conditions.done":"Tapos na","conditions.allCaughtUp":"Lahat ay tapos na — magaling!","conditions.fileClear":"Malinis ang iyong file — walang naghihintay sa iyo","conditions.statToDo":"Gagawin","conditions.statInReview":"Sinisiyasat","conditions.statDone":"Tapos na","conditions.statTotal":"Kabuuan","conditions.clearedSummary":"{done} sa {total} naaprubahan","conditions.smartUploadTitle":"Matalinong pag-upload","conditions.smartUploadSub":"Mag-drop ng anumang file — itatambal namin ito sa tamang kondisyon.","conditions.smartUploadFormats":"PDF \xb7 JPG \xb7 PNG","conditions.heroDropTitle":"I-drop ang iyong mga dokumento dito","conditions.heroDropSub":"Awtomatikong mapupunta ang mga ito sa tamang kondisyon","conditions.heroBrowse":"Mag-browse ng file","conditions.heroCamera":"Gumamit ng camera","conditions.heroCameraOverlay":"Panatilihin ang iyong dokumento sa loob ng frame","conditions.suggested":"Inirerekomenda","conditions.upload":"I-upload","conditions.replace":"Palitan","conditions.underReview":"Sinisiyasat","conditions.submitted":"Naisumite","conditions.processing":"Pinoproseso","conditions.accepted":"Tinanggap","conditions.waived":"Pinabayaan","conditions.gotIt":"Naintindihan","conditions.sentBack":"Ibinalik:","conditions.askVera":"Tanungin si Breeze","conditions.loadError":"Hindi ma-load ang iyong mga kondisyon. Mangyaring i-refresh.","conditions.veraHideError":"Hindi matago ang buod ni Breeze. Subukan muli.","conditions.veraEnableError":"Hindi mabuksan ang buod ni Breeze. Subukan muli.","conditions.uploadingFile":"Ina-upload ang {name}…","conditions.uploadedFile":"{name} na-upload — susuriin ito ng iyong loan officer.","conditions.uploadFailed":"Nabigo ang pag-upload: {error}","conditions.undoError":"Hindi ma-undo","conditions.checkoutError":"Hindi masimula ang checkout: {error}","login.eyebrow":"Nanghihiram","login.title":"Mag-sign in sa iyong account","login.subtitle":"Ituloy kung saan ka huminto.","login.noAccount":"Wala pang account?","login.signUp":"Mag-sign up","login.emailVerified":"Na-verify ang email — mag-sign in sa ibaba upang magpatuloy.","login.accountCreatedVerifyEmail":"Nagawa na ang account. I-verify ang iyong email kung maaari — maa-unlock ang mga feature ng Plaid at bangko pagkatapos.","login.idleSignedOut":"Na-sign out ka dahil sa kawalan ng aktibidad. Mag-sign in muli upang magpatuloy.","login.sessionsRevoked":"Lahat ng session ay na-sign out. Mag-sign in muli upang magpatuloy.","login.orWithEmail":"O gamit ang email","login.emailLabel":"Email address","login.emailPlaceholder":"[email protected]","login.passwordLabel":"Password","login.passwordPlaceholder":"••••••••","login.forgotPassword":"Nakalimutan ang password?","login.authenticatorCode":"Code ng authenticator","login.verifyCode":"I-verify ang code","login.loading":"Naglo-load…","login.errorInvalidCode":"Hindi wastong code. Subukan muli.","login.errorInvalidCredentials":"Hindi wastong email o password.","login.errorAccountLocked":"Pansamantalang na-lock ang account dahil sa maraming nabigong pagtatangka.","login.errorAccountCannotSignIn":"Ang account na ito ay hindi makapag-sign in ngayon.","login.errorLoginUnavailable":"Hindi available ang pag-sign in. Subukan muli.","login.errorServerTimeout":"Nag-time out ang server. Subukan muli.","login.errorGeneric":"May nangyaring mali.","lang.change":"Baguhin ang wika","lang.heading":"Wika","nav.brandRole":"Nanghihiram","nav.brandTagline":"AI mortgage platform","nav.features":"Mga Tampok","nav.benefits":"Mga Benepisyo","nav.signIn":"Mag-sign in","nav.goToDashboard":"Pumunta sa Dashboard","nav.closeMenu":"Isara ang menu","nav.contactBroker":"Makipag-ugnayan sa broker","footer.tagline":"Pinapagana ng AI na mortgage origination para sa mga nangungunang broker. Mas mabilis na pagsasara ng mga loan, palaguin ang iyong negosyo.","footer.rightsReserved":"Nakalaan ang lahat ng karapatan.","footer.equalHousing":"Pantay na Pagkakataon sa Pabahay","footer.licensedCA":"Lisensyado sa CA","footer.col.product":"Produkto","footer.col.company":"Kompanya","footer.col.legal":"Legal","footer.col.support":"Suporta","footer.link.aiUnderwriting":"AI Underwriting","footer.link.docVerification":"Pag-verify ng Dokumento","footer.link.borrowerPortal":"Portal ng Nanghihiram","footer.link.crmCampaigns":"CRM at mga Kampanya","footer.link.pipelineMgmt":"Pamamahala ng Pipeline","footer.link.aboutUs":"Tungkol sa Amin","footer.link.careers":"Mga Trabaho","footer.link.blog":"Blog","footer.link.contact":"Makipag-ugnayan","footer.link.privacy":"Patakaran sa Privacy","footer.link.terms":"Mga Tuntunin ng Serbisyo","footer.link.cookies":"Patakaran sa Cookie","footer.link.ccpa":"Abiso ng CCPA","footer.link.doNotSell":"Huwag ibenta ang aking impormasyon","footer.link.disclaimer":"Disclaimer","footer.link.helpCenter":"Help Center","footer.link.apiDocs":"Dokumentasyon ng API","footer.link.systemStatus":"Status ng Sistema","footer.link.security":"Seguridad","bfoot.techSupport":"Teknikal na suporta","bfoot.contactPerson":"Makipag-ugnayan kay {firstName}","bfoot.bookTime":"Mag-book ng oras","notif.bellTitle":"Mga Abiso","notif.settingsTitle":"Mga Setting ng Abiso","notif.countNew":"{n} bago","notif.markAllReadTitle":"Markahan lahat bilang nabasa na","notif.backToNotifications":"Bumalik sa mga abiso","notif.loading":"Naglo-load…","notif.prefsLoadError":"Hindi ma-load ang mga kagustuhan.","notif.prefsHelp":"I-toggle kung paano aabot sa iyo ang bawat uri ng event. Hindi pa naka-wire ang SMS — naka-save ang mga toggle pero hindi ito magde-deliver hangga't hindi naka-configure ang Twil

1io.","notif.colEvent":"Event","notif.colInApp":"Sa app","notif.colEmail":"Email","notif.colSms":"SMS","notif.timeSecondsAgo":"{n}s ang nakalipas","notif.timeMinutesAgo":"{n}m ang nakalipas","notif.timeHoursAgo":"{n}h ang nakalipas","notif.timeDaysAgo":"{n}d ang nakalipas","notif.countNewBadge":"{n} Bago","notif.allCaughtUp":"Wala nang bago!","notif.viewAll":"Tingnan lahat ng abiso","notif.emptyNoPeriod":"Wala pang abiso","notif.emptyCategory":"Walang abiso sa kategoryang ito","notif.filterAll":"Lahat","notif.typeUrgent":"Agarang","notif.typeAction":"Aksyon","notif.typeInfo":"Impormasyon","notif.fallbackLoan":"Loan","notif.staleTitle":"{name} ay hindi nagalaw sa loob ng {days} araw","notif.staleDetail":"Kasalukuyang nasa {status} - mataas na panganib na mawala","notif.lockExpiringTitle":"Mag-e-expire ang rate lock sa loob ng {days} araw","notif.lockExpiringTitleOne":"Mag-e-expire ang rate lock sa loob ng {days} araw","notif.lockDetail":"{name} - {days}-araw na lock","notif.conditionPendingTitle":"{count} kondisyong nakabinbin","notif.conditionsPendingTitle":"{count} kondisyong nakabinbin","notif.conditionsDetail":"{name} - {status}","notif.followUpTitle":"Kailangan ng follow-up si {name}","notif.followUpDetail":"Walang aktibidad sa loob ng {days} araw sa {status}","notif.clearedToCloseTitle":"Handa nang isara ang {name}","notif.clearedToCloseDetail":"Mag-schedule ng pagsasara at mag-order ng mga huling dokumento","notif.milestoneTitle":"Mga Abiso ng Milestone","notif.saved":"Na-save","notif.channelLabel":"Channel ng Abiso","notif.channelBoth":"Pareho","notif.channelEmail":"EMAIL","notif.channelSms":"SMS","notif.channelBothLong":"Email + SMS","notif.milestoneSummary":"{active} sa {total}

1 milestone ang aktibo sa pamamagitan ng {channel}","notif.milestone.applicationReceived":"Natanggap ang Aplikasyon","notif.milestone.submittedToUW":"Naisumite sa Underwriting","notif.milestone.approved":"Aprubado","notif.milestone.conditionsSent":"Naipadala ang mga Kondisyon","notif.milestone.clearToClose":"Handa nang Isara","notif.milestone.closingScheduled":"Naka-schedule ang Pagsasara","calc.beginLoanApplication":"Simulan ang aplikasyon ng loan","calc.heroEyebrow":"Mga calculator ng mortgage","calc.heroTitle":"Apat na mabilis na pagsusuri bago ka makipag-usap sa iyong broker","calc.heroSubtitle":"Bawat tab sa ibaba ay sumasagot sa ibang tanong — magkano ang magiging bayad ko, gaano kalaking bahay ang kaya kong bilhin, magandang panahon na ba para mag-refinance, at sulit ba ang pagbili ng discount points. Ang math dito ay pareho ng ginagamit ng iyong loan officer; inilatag lang namin ito para makita mo kung paano binabago ng bawat input ang sagot.","calc.tabMonthly":"Buwanan","calc.tabBuyPoints":"Bumili ng points","calc.askVeraMonthlyLabel":"Tanungin si Breeze tungkol sa buwanang bayad na ito","calc.askVeraMonthlyPrompt":"Ipaliwanag mo sa akin kung paano kinakalkula ang aking buwanang bayad at kung ano ang pinakamalaking magbabago nito.","calc.askVeraAffordabilityLabel":"Tanungin si Breeze tungkol sa aking kakayahang magbayad","calc.askVeraAffordabilityPrompt":"Tulungan mo akong maunawaan kung magkano ang kaya kong bayaran at kung ano ang makakatulong para mas marami akong makayanan.","calc.askVeraRefiLabel":"Tanungin si Breeze kung makatuwiran ba ang refi na ito","calc.askVeraRefiPrompt":"Ipaliwanag mo kung makatuwiran ba ang refi na ito para sa aking sitwasyon at kung ano ang dapat kong kumpirmahin.","calc.askVeraBuyDownLabel":"Tanungin si Breeze kung sulit ba ang pagbili ng points","calc.askVeraBuyDownPrompt":"Ipaliwanag mo kung makatuwiran ba ang pagbili ng discount points batay sa kung gaano katagal akong balak manatili sa bahay.","calc.whatThisDoes":"Ano ang ginagawa ng calculator na ito","calc.monthlyExplainerBody":"Inilalagay ang halaga ng iyong loan, rate, at termino sa karaniwang formula ng amortization at idinaragdag ang iyong buwanang buwis + insurance + HOA. Ang resulta ay ang buong buwanang gastos ng pagmamay-ari ng bahay na iyon — hindi lang ang bayad sa loan.","calc.loanBasics":"Mga pangunahing detalye ng loan","calc.homePrice":"Presyo ng bahay","calc.homePriceHint":"Ang presyo ng pagbili na iyong target.","calc.downPaymentPct":"Down payment ({pct}%)","calc.downPaymentHint":"Cash na dadalhin mo sa pagsasara. Ang mas mababa sa 20% ay kadalasang may PMI; 0% lang sa mga programang VA / USDA.","calc.interestRatePct":"Interest rate (%)","calc.interestRateHint":"Ang taunang rate na sinisingil ng nagpapautang. Naka-lock na ito kapag tinanggap mo na ang mga termino.","calc.loanTerm":"Termino ng loan","calc.loanTermHint":"Ilang taon para mabayaran.","calc.unitYr":"taon","calc.taxesInsurance":"Mga buwis at insurance","calc.propertyTaxRatePct":"Rate ng property tax (%)","calc.propertyTaxRateHintMonthly":"Isang porsyento ng halaga ng bahay, sinisingil ng iyong county. Karamihan ng estado ay 0.5–2%.","calc.homeInsuranceYear":"Home insurance ($/taon)","calc.homeInsuranceHint":"Taunang hazard / homeowners policy. Karaniwang binabayaran sa escrow kasama ng iyong nagpapautang.","calc.hoaFeesMonth":"HOA fees ($/buwan)","calc.hoaFeesHint":"Buwanang dues ng komunidad / condo, kung mayroon ang bahay mo. Iwanang 0 kung wala.","calc.estimatedMonthlyPayment":"Tinatayang buwanang bayad","calc.loanAmountLtv":"Halaga ng loan {amount} \xb7 LTV {ltv}%","calc.paymentBreakdownAria":"Breakdown ng buwanang bayad: Principal at interes {pi}, buwis {tax}, insurance {ins}, HOA {hoa}","calc.totalPerMo":"Kabuuan / buwan","calc.lineprincipalInterest":"Principal at interes","calc.linePiSub":"Ang aktwal na bayad sa loan","calc.linePropertyTaxes":"Mga property tax","calc.lineTaxSub":"Buwis ng county, naka-escrow buwan-buwan","calc.lineHomeInsurance":"Home insurance","calc.lineInsSub":"Taunang policy / 12","calc.lineHoaFees":"HOA fees","calc.lineHoaSub":"Buwanang dues ng komunidad","calc.howWeGotThere":"Paano namin ito nakuha","calc.monthlyMath1":"Ang halaga ng iyong loan ay","calc.monthlyMath2":"({home} bahay bawas {down} down).","calc.monthlyMath3":"Ina-amortize namin iyon sa loob ng {months} buwan sa {rate}% para makakuha ng principal at interes na","calc.monthlyMath4":"Idagdag ang property tax ({rate}% ng halaga ng bahay \xf7 12 =","calc.monthlyMath5":"), insurance (taunan \xf7 12 =","calc.monthlyMath6":"), at HOA (","calc.monthlyMath7":"), at makakarating ka sa","calc.monthlyMath8":" — ang kabuuang gastos ng bahay.","calc.perMo":"{amount}/buwan","calc.applyForPreApproval":"Mag-apply para sa pre-approval","calc.affordExplainerBody":"Binabaligtad ang math: nagsisimula sa iyong kita at mga kasalukuyang utang, naglalapat ng DTI ceiling (43% conventional, hanggang 50% sa non-QM), at tinutukoy ang pinakamalaking loan na kaya mong pasanin. Pagkatapos ay idinaragdag ang iyong down payment para makuha ang pinakamataas na presyo ng pagbili.","calc.incomeDebts":"Ang iyong kita at mga utang","calc.grossMonthlyIncome":"Gross monthly income ($)","calc.grossMonthlyIncomeHint":"Buwanang 

1kita bago ang buwis mula sa lahat ng pinagmumulan. Para sa dalawang kumikita: pagsamahin.","calc.monthlyDebtPayments":"Buwanang bayad sa utang ($)","calc.monthlyDebtPaymentsHint":"Auto, student, credit-card minimums, alimony — anumang lumalabas sa credit report.","calc.cashDownPayment":"Cash down payment ($)","calc.cashDownPaymentHint":"Pera na maaari mong ibaba sa pagsasara. Mas maraming cash = mas malaking maximum na bahay.","calc.loanProperty":"Loan at property","calc.ratePct":"Rate (%)","calc.rateHintAfford":"Ang kasalukuyang market rate ay humigit-kumulang 6–7% conventional.","calc.term":"Termino","calc.termHintAfford":"Karamihan ay gumagamit ng 30 taon.","calc.propertyTaxRateHintAfford":"Taunang rate na sinisingil ng iyong county; tingnan ang target zip code mo.","calc.insuranceYear":"Insurance ($/taon)","calc.insuranceHintAfford":"Taunang gastos ng policy. ~$1,200 ang karaniwan; mas mataas sa mga coastal o fire-prone na lugar.","calc.hoaMonth":"HOA ($/buwan)","calc.hoaHintAfford":"Buwanang dues ng komunidad kung naaangkop. 0 para sa mga bahay na walang HOA.","calc.dtiCeilingPct":"DTI ceiling (%)","calc.dtiCeilingHint":"Pinakamataas na debt-to-income na pinapayagan ng nagpapautang. 43% conventional, hanggang 50% sa agresibong non-QM.","calc.youCanAffordUpTo":"Kaya mong bayaran hanggang","calc.noHeadroomTitle":"Wala pang sapat na headroom","calc.noHeadroomBody":"Sa ${debts}/buwan na kasalukuyang utang, ang DTI mo ay nasa o lampas na sa {dti}% ceiling. Subukang bawasan ang utang, dagdagan ang kita, o itaas ang DTI cap (umaabot sa 50% ang ilang non-QM program).","calc.maxLoanAmount":"Pinakamataas na halaga ng loan","calc.monthlyHousingBudget":"Buwanang badyet sa pabahay","calc.housingBudgetSub":"{dti}% ng {income} − mga utang","calc.totalMonthlyPayment":"Kabuuang buwanang bayad","calc.piTaxInsHoa":"Principal at interes + buwis + insurance + HOA","calc.affordMath1":"Ang iyong gross monthly income na","calc.affordMath2":"sa {dti}% DTI ay nagbibigay sa iyo ng","calc.affordMath3":"para sa kabuuang buwanang utang. Ibawas ang iyong","calc.affordMath4":"na utang at mayroon ka nang","calc.affordMath5":"para sa pabahay. Sa pagbabaligtad ng principal at interes, buwis, insurance, at HOA, nakukuha namin ang pinakamataas na loan na","calc.affordMath6":"; idagdag ang iyong","calc.affordMath7":"down payment para sa pinakamataas na presyo ng pagbili na","calc.refiExplainerBody":"Tinutukoy kung talagang makakatipid ka ba sa pag-refinance ngayon. Inihahambing ang iyong kasalukuyang principal at interes sa bagong bayad, isinasaalang-alang ang mga gastos sa pagsasara, at sinasabi sa iyo ang break-even (gaano katagal bago mababawi ng savings ang gastos ng refi).","calc.yourCurrentLoan":"Ang iyong kasalukuyang loan","calc.outstandingBalance":"Natitirang balanse ($)","calc.outstandingBalanceHint":"Ang utang mo ngayon — makikita sa iyong pinakabagong mortgage statement.","calc.currentMonthlyPi":"Kasalukuyang buwanang principal at interes ($)","calc.currentMonthlyPiHint":"Principal + interes lang, HINDI ang kabuuang mortgage payment mo. Ang escrow na bahagi ay hindi nagbabago sa refi.","calc.monthsRemaining":"Natitirang buwan","calc.monthsRemainingHint":"Ilang buwan na lang ang natitira sa iyong kasalukuyang loan. Ang 360 ay bagong 30-taon.","calc.theRefiOffer":"Ang alok ng refi","calc.newRatePct":"Bagong rate (%)","calc.newRateHint":"Ang rate na ibinigay sa iyo. Kung mas mababa sa iyong kasalukuyang rate, ibig sabihin tunay na savings.","calc.newTermMonths":"Bagong termino (buwan)","calc.newTermHint":"Haba ng bagong loan. 360 = 30 taon; 180 = 15. Ang pag-reset sa 30 ay nagpapababa ng bayad pero mas magastos sa pangmatagalan.","calc.closingCosts":"Mga gastos sa pagsasara ($)","calc.closingCostsHint":"Mga bayarin ng nagpapautang + gastos ng third-party. Karaniwang 2–5% ng halaga ng loan maliban kung nag-aalok ang nagpapautang mo ng no-cost refi.","calc.refiMakesSense":"Makatuwiran ang refi","calc.refiBorderline":"Sandali — borderline ito","calc.refiSkip":"Laktawan — tumataas ang bayad","calc.recommendation":"Rekomendasyon","calc.newMonthlyPi":"Bagong buwanang principal at interes","calc.monthlySavings":"Buwanang savings","calc.savingsKeepMore":"Mas marami kang naiipon kada buwan","calc.savingsHigher":"Mas mataas ang bagong bayad","calc.breakEven":"Break-even","calc.unitMonthsShort":"{n} buwan","calc.breakEvenSubRefi":"Mga buwan para mabawi ang gastos sa pagsasara","calc.theLifetimeMath":"Ang lifetime na math","calc.refiMath1":"Kung magre-refi ka ngayon at babayaran ang natitirang {months} buwan, ang net savings (pagkatapos ng {costs} na gastos sa pagsasara) ay magiging","calc.refiVerdictRefi":"Ang refi na ito ay nababayaran ang sarili nito bago pa matapos ang loan mo — kadalasang green light.","calc.refiVerdictWait":"Ang break-even ay mas huli kaysa sa inaasahan mong pagbabayaran ang loan na ito. Isaalang-alang ang paghihintay sa mas malaking pagbaba ng rate o maghanap ng no-closing-cost na refi.","calc.refiVerdictSkip":"Pinapataas ng bagong rate ang iyong bayad — walang sitwasyon kung saan mababawi mo ang refi na ito.","calc.getRealRefiQuote":"Kumuha ng tunay na refi quote","calc.inputs":"Mga input","calc.loanAmount":"Halaga ng loan","calc.parRate":"Par rate (walang points)","calc.parRateHint":"Ang rate na inaalok nang walang discount points.","calc.boughtDownRate":"Bought-down rate","calc.boughtDownRateHint":"Ang mas mababang rate na inaalok kung magbabayad ka ng points nang maaga.","calc.pointsAtClosing":"Points sa pagsasara","calc.pointsAtClosingHint":"Isang point = 1% ng halaga ng loan, binabayaran sa pagsasara.","calc.unitYears":"taon","calc.keepLoanHowLong":"Gaano katagal mong itatago ang loan na ito","calc.keepLoanHint":"Ang pinakamahalagang input — nababawi lang ang points kung mananatili ka nang sapat na tagal.","calc.shouldYouBuyPoints":"Dapat ka bang bumili ng points?","calc.verdict":"Hatol","calc.tierStrong":"Malakas na oo kung mananatili ka nang ≥ {months} buwan. Matibay na math.","calc.tierViable":"Sulit pag-isipan — mababawi mo ito sa {months}

1 buwan. Bumili lang kung sigurado kang mananatili nang ganoon katagal.","calc.tierWeak":"Malamang hindi. Masyadong malayo ang break-even point para tunay na mapunta sa bulsa mo ang savings.","calc.parMonthlyPi":"Par na buwanang principal at interes","calc.boughtDownMonthlyPi":"Bought-down na buwanang principal at interes","calc.buyDownSavingsYes":"Mas mababang bayad mula sa buy-down","calc.buyDownSavingsNo":"Walang savings — ang bought-down rate ay hindi naman talaga mas mababa.","calc.costAtClosing":"Gastos sa pagsasara","calc.costAtClosingSub":"{pts} pts \xd7 {amount}","calc.unitMonths":"{n} buwan","calc.breakEvenNoRecoup":"Hindi mababawi ng savings ang gastos.","calc.breakEvenSubBuyDown":"Mga buwan hanggang ma-offset ng mas mababang bayad ang up-front na gastos.","calc.netIfStayOne":"Net kung mananatili ka nang {years} taon","calc.netIfStayMany":"Net kung mananatili ka nang {years} taon","calc.netPositiveSub":"Net na dolyar na napupunta sa bulsa mo sa panahong iyon.","calc.netNegativeSub":"Hindi ka pa nag-break even.","calc.howItWorks":"Paano ito gumagana","calc.buyDownHowItWorksBody":"Ang discount points ay paunang-bayad na interes — binibigyan mo ng pera ang nagpapautang nang maaga, binibigyan ka nila ng mas mababang rate sa buong buhay ng loan. Ang mas mababang bayad ay nakakatipid sa iyo kada buwan, pero pagkatapos lang ma-offset ang up-front na gastos. Ang break-even ay kapag ang naipong savings ay katumbas na ng binayad mo sa points. Kung magbebenta o magre-refi ka bago iyon, malulugi ka.","calc.glossaryTitle":"Mortgage 101 — mga mahahalagang termino na ginamit sa itaas","calc.glossaryTapToExpand":"I-tap para palawakin. {count} termino.","calc.glossary_pi_term":"Principal at interes (P&I)","calc.glossary_pi_def":"Ang aktwal na bayad sa loan — ang utang mo sa nagpapautang kada buwan para sa pera na hiniram mo. Hindi kasama ang buwis o insurance.","calc.glossary_escrow_term":"Escrow","calc.glossary_escrow_def":"Isang hiwalay na account na ginagamit ng nagpapautang para kolektahin ang property tax + homeowners insurance kasama ng bawat mortgage payment, at saka binabayaran ang mga bill para sa iyo.","calc.glossary_dti_term":"DTI (Debt-to-Income)","calc.glossary_dti_def":"Kabuuang buwanang bayad sa utang \xf7 gross monthly income. Nililimitahan ito ng mga nagpapautang sa 43% conventional / 50% sa agresibong non-QM program.","calc.glossary_ltv_term":"LTV (Loan-to-Value)","calc.glossary_ltv_def":"Halaga ng loan \xf7 halaga ng bahay. 80% LTV = 20% down. Ang mas mababang LTV ay karaniwang nangangahulugan ng mas magandang rate.","calc.glossary_pmi_term":"PMI (Private Mortgage Insurance)","calc.glossary_pmi_def":"Kinakailangan kapag mas mababa sa 20% ang down mo sa conventional loan. Dagdag na ~0.3–1.5% ng loan / taon; awtomatikong nawawala kapag umabot ka sa 78% LTV.","calc.glossary_apr_term":"APR","calc.glossary_apr_def":"Rate + mga bayarin ng nagpapautang na ipinahayag bilang iisang taunang porsyento. Palaging mas mataas kaysa sa headline rate; ang puwang ay kadalasang mga na-amortize na gastos sa pagsasara.","calc.glossary_lock_term":"Lock","calc.glossary_lock_def":'Kapag tinanggap mo na ang mga termino, "nila-lock" ng iyong loan officer ang rate para hindi ito gumalaw laban sa iyo habang tinatapos ang file. Karaniwang tumatagal ng 30–60 araw ang lock.',"calc.glossary_breakEven_term":"Break-even","calc.glossary_breakEven_def":"Ilang buwan ng refi savings ang kailangan para mabawi ang gastos sa pagsasara ng refi. Makatuwiran ang refi kapag balak mong itago ang loan nang lampas pa sa break-even.","calc.glossary_loanTypes_term":"Conventional vs FHA / VA / USDA","calc.glossary_loanTypes_def":"Sinusunod ng conventional loans ang mga patakaran ng Fannie/Freddie. Tinatanggap ng FHA ang mas mababang score; ang VA ay para sa mga beterano (walang down); ang USDA ay zero-down para sa mga rural na lugar. Bawat isa ay may magkaibang DTI ceiling at PMI rules.","legal.eyebrow":"Unified Loan System \xb7 Legal","legal.tocAriaLabel":"Talaan ng mga nilalaman","legal.tocContents":"Mga Nilalaman","legal.lastUpdatedLabel":"Huling Na-update:","legal.seeAlso":"Tingnan din ang","legal.and":"at","legal.masterSaasAgreement":"Master SaaS Agreement","legal.dataProcessingAgreement":"Data Processing Agreement","legal.smsTermsLink":"Mga Tuntunin ng SMS","legal.termsTitle":"Mga Tuntunin ng Serbisyo","legal.termsLastUpdated":"Huling na-update: Mayo 21, 2026.","legal.termsTocAgreement":"1. Pagsang-ayon sa mga Tuntunin","legal.termsTocIpRights":"2. Mga Karapatan sa Intelektwal na Ari-arian","legal.termsTocUserRepresentations":"3. Mga Pahayag ng Gumagamit","legal.termsTocLendingServices":"4. Mga Serbisyo sa Pagpapautang","legal.termsTocSmsProgram":"5. Programa 

1ng SMS","legal.termsTocTermination":"6. Pagtatapos","legal.termsTocModifications":"7. Mga Pagbabago at Pagkaantala","legal.termsAgreementHeading":"1. Pagsang-ayon sa mga Tuntunin","legal.termsAgreementBody":"Ang mga Tuntunin ng Serbisyo na ito ay bumubuo ng isang legal na nakatatali na kasunduan sa pagitan mo, personal man o sa ngalan ng isang entidad (“ikaw”), at ng Unified Loan System (“kami,” “amin,” o “aming”), tungkol sa iyong pag-access at paggamit ng aming website at mga serbisyo. Sa pag-access sa site, kinikilala mo na nabasa, naunawaan mo, at sumasang-ayon kang matali sa lahat ng mga Tuntunin ng Serbisyo na ito.","legal.termsIpRightsHeading":"2. Mga Karapatan sa Intelektwal na Ari-arian","legal.termsIpRightsBody":"Maliban kung iba ang ipinahiwatig, ang Site ay aming pag-aaring pribadong ari-arian at lahat ng source code, database, functionality, software, disenyo ng website, audio, video, teksto, litrato, at graphics sa Site (sama-samang tinatawag na “Content”) at ang mga trademark, service mark, at logo na nakapaloob dito (ang “Marks”) ay pag-aari o kontrolado namin o lisensyado sa amin, at protektado ng mga batas sa copyright at trademark.","legal.termsUserRepresentationsHeading":"3. Mga Pahayag ng Gumagamit","legal.termsUserRepresentationsIntro":"Sa paggamit ng Site, ipinapahayag at ginagarantiya mo na:","legal.termsUserRepresentationsItem1":"Lahat ng impormasyon sa pagpaparehistro na isusumite mo ay totoo, tumpak, kasalukuyan, at kumpleto.","legal.termsUserRepresentationsItem2":"Pananatilihin mo ang katumpakan ng nasabing impormasyon at agad na i-update ang naturang impormasyon sa pagpaparehistro kung kinakailangan.","legal.termsUserRepresentationsItem3":"May legal na kapasidad ka at sumasang-ayon kang sumunod sa mga Tuntunin ng Serbisyo na ito.","legal.termsUserRepresentationsItem4":"Hindi ka mag-a-access sa Site sa pamamagitan ng automated o di-tao na paraan, gamit man ang bot, script, o iba pa.","legal.termsLendingServicesHeading":"4. Mga Serbisyo sa Pagpapautang","legal.termsLendingServicesBody":"Nagbibigay ang Unified Loan System ng platform para sa mga mortgage broker upang magsumite at mamahala ng mga aplikasyon ng loan. Hindi kami bangko o direktang nagpapautang. Ang lahat ng pag-apruba ng loan ay napapailalim sa mga panghuling 

1kondisyon ng underwriting at pagpapatunay na tinutukoy ng nagpapautang na nagpopondo.","legal.termsSmsProgramHeading":"5. Programa ng SMS","legal.termsSmsIntro":"Nagpapadala ang Unified Loan System ng mga transactional na mensaheng SMS — kabilang ang mga two-factor authentication code, security alert, update sa status ng loan, paghiling ng dokumento, e-sign link, at abiso sa pagsasara — sa mga user na sumang-ayon nang positibo sa pamamagitan ng pagbibigay ng mobile number at paglalagay ng check sa kahon ng pahintulot sa SMS habang nagsa-sign up, sa mga setting ng account, o bilang bahagi ng kanilang aplikasyon ng loan. Hindi kami nagpapadala ng marketing o promotional na SMS.","legal.termsSmsOptOutLabel":"Pag-opt out:","legal.termsSmsOptOutBefore":"I-text ang","legal.termsSmsOptOutMiddle":"sa anumang SMS ng Unified Loan System upang kanselahin ang mga susunod na mensahe. I-text ang","legal.termsSmsOptOutHelp":"para sa tulong, o bisitahin ang","legal.termsSmsOptOutOrEmail":"o mag-email sa","legal.termsSmsRatesLabel":"Maaaring may bayad para sa mensahe at data.","legal.termsSmsRatesBody":"Hindi naniningil ang Unified Loan System ng bayad para sa SMS, ngunit maaaring maniningil ang iyong wireless carrier para sa mga mensaheng ipinadala o natanggap depende sa iyong plano.","legal.termsSmsCarriersLabel":"Hindi mananagot ang mga carrier para sa mga naantala o hindi naihatid na mensahe.","legal.termsSmsCarriersBody":"Hindi ginagarantiya ang paghahatid ng anumang indibidwal na mensahe. Tingnan ang aming buong","legal.termsSmsCommunicationsTermsLink":"Mga Tuntunin ng Komunikasyon sa SMS","legal.termsSmsCarriersAfter":"para sa dalas, mga suportadong carrier, pagbawi ng pahintulot, at impormasyon sa pakikipag-ugnayan.","legal.termsTerminationHeading":"6. Pagtatapos","legal.termsTerminationBody":"Maaari naming wakasan o suspindihin ang iyong account at harangan ang access sa Serbisyo kaagad, nang walang paunang abiso o pananagutan, sa aming sariling pagpapasya, sa anumang dahilan at walang limitasyon, kabilang ngunit hindi limitado sa paglabag sa mga Tuntunin.","legal.termsModificationsHeading":"7. Mga Pagbabago at Pagkaantala","legal.termsModificationsBody":"Inilalaan namin ang karapatang baguhin, i-modify, o alisin ang mga nilalaman ng Site anumang oras o sa anumang dahilan sa aming sariling pagpapasya nang walang abiso. Hindi kami mananagot sa iyo o sa anumang third party para sa anumang pagbabago, pagbabago ng presyo, pagsuspinde, o pagtigil ng Site.","legal.privacyLastUpdated":"Huling na-update: Hunyo 2, 2026.","legal.privacyFirstLabel":"Una ang Iyong Privacy","legal.privacyFirstBody":"Hindi kailanman ibebenta, iuupa, o ibabahagi ng Unified Loan System ang iyong mobile phone number o data ng pahintulot sa SMS sa mga third party o marketing affiliate. Ang opt-in sa SMS ay iniingatan nang mahigpit na kompidensyal at ginagamit lamang upang ihatid ang mga transactional na mensaheng tahasang hiniling mo.","legal.privacyTocIntroduction":"1. Panimula","legal.privacyTocInfoCollect":"2. Impormasyong Aming Kinokolekta","legal.privacyTocHowWeUse":"3. Paano Namin Ginagamit ang Iyong Impormasyon","legal.privacyTocSharing":"4. Pagbabahagi ng Iyong Impormasyon","legal.privacyTocDataSecurity":"5. Seguridad ng Data","legal.privacyTocMobileSms":"6. Impormasyon sa Mobile at Data ng SMS","legal.privacyTocGoogleData":"7. Data ng Gumagamit ng Google","legal.privacyTocContact":"8. Makipag-ugnayan sa Amin","legal.privacyIntroHeading":"1. Panimula","legal.privacyIntroBody":"Maligayang pagdating sa Unified Loan System (“kami,” “amin,” o “aming”). Nakatuon kami sa pagprotekta ng iyong personal na impormasyon at iyong karapatan sa privacy. Ipinaliliwanag ng Patakaran sa Privacy na ito kung paano namin kinokolekta, ginagamit, isinisiwalat, at pinangangalagaan ang iyong impormasyon kapag binisita mo ang aming website at ginamit ang aming mga serbisyo.","legal.privacyInfoCollectHeading":"2. Impormasyong Aming Kinokolekta","legal.privacyInfoCollectIntro":"Kinokolekta namin ang impormasyong kusang-loob mong ibinibigay sa amin kapag ikaw ay:","legal.privacyInfoCollectItem1":"Magparehistro sa website","legal.privacyInfoCollectItem2":"Magsumite ng mga aplikasyon ng loan o dokumento","legal.privacyInfoCollectItem3":"Makipag-ugnayan sa amin para sa suporta","legal.privacyInfoCollectItem4":"Lumahok sa mga survey o promosyon","legal.privacyInfoCollectBody":"Maaaring kabilang dito ang mga pangalan, email address, numero ng telepono, impormasyong pampinansyal, at mga detalye ng trabaho na kinakailangan para sa pagproseso ng loan.","legal.privacyHowWeUseHeading":"3. Paano Namin Ginagamit ang Iyong Impormasyon","legal.privacyHowWeUseIntro":"Ginagamit namin ang impormasyong kinokolekta o natatanggap namin upang:","legal.privacyHowWeUseItem1":"Padaliin ang paggawa ng account at proseso ng pag-log on","legal.privacyHowWeUseItem2":"Iproseso ang mga aplikasyon ng loan at underwriting","legal.privacyHowWeUseItem3":"Magpadala sa iyo ng impormasyong administratibo","legal.privacyHowWeUseItem4":"Protektahan ang aming mga serbisyo at legal na karapatan","legal.privacyHowWeUseItem5":"Tumugon sa mga legal na kahilingan at maiwasan ang pinsala","legal.privacySharingHeading":"4. Pagbabahagi ng Iyong Impormasyon","legal.privacySharingBefore":"Maaari naming ibahagi ang impormasyon sa mga third party na nagsasagawa ng mga serbisyo para sa amin o sa ngalan namin, kabilang ang pagsusuri ng data, paghahatid ng email, mga serbisyo ng hosting, customer service, at tulong sa marketing. Hindi namin ibinebenta ang iyong personal na impormasyon sa mga third party para sa sarili nilang layuning pang-marketing. Tingnan ang aming","legal.privacySharingSubProcessorLink":"listahan ng sub-processor","legal.privacySharingAfter":"para sa mga partikular na vend

1or na nakikipagtulungan namin.","legal.privacyDataSecurityHeading":"5. Seguridad ng Data","legal.privacyDataSecurityBody":"Gumagamit kami ng mga administratibo, teknikal, at pisikal na hakbang sa seguridad upang tumulong na protektahan ang iyong personal na impormasyon. Bagama't nagsagawa kami ng makatwirang mga hakbang upang gawing ligtas ang personal na impormasyong ibinibigay mo sa amin, pakitandaan na sa kabila ng aming mga pagsisikap, walang hakbang sa seguridad na perpekto o hindi malalampasan, at walang paraan ng pagpapadala ng data na magagarantiyang ligtas laban sa anumang pagharang o iba pang uri ng maling paggamit.","legal.privacyMobileSmsHeading":"6. Impormasyon sa Mobile at Data ng SMS","legal.privacyMobileSmsBody1":"Kung magbibigay ka ng mobile phone number at positibong sasang-ayon sa SMS messaging habang nagsa-sign up, sa mga setting ng iyong account, o bilang bahagi ng iyong aplikasyon ng loan, magpapadala sa iyo ang Unified Loan System ng mga transactional na text message na nauugnay sa iyong account at aktibong loan file (mga authentication code, update sa status ng loan, kahilingan sa e-sign, at alerto sa seguridad ng account).","legal.privacyMobileSmsBody2":"Walang impormasyon sa mobile na ibabahagi sa mga third party/affiliate para sa layuning pang-marketing/promosyon. Ang lahat ng kategorya sa itaas ay hindi kasama ang opt-in data at pahintulot ng nagpadala ng text message; ang impormasyong ito ay hindi ibabahagi sa anumang third party.","legal.privacyMobileSmsBefore":"Tingnan ang aming","legal.privacyMobileSmsAfter":"para sa buong paglalarawan ng programa ng mensahe, mga keyword sa opt-out, dalas, mga suportadong carrier, at mga detalye ng pagbawi ng pahintulot.","legal.privacyGoogleDataHeading":"7. Data ng Gumagamit ng Google","legal.privacyGoogleDataGmailBefore":"Kapag ikinonekta mo ang iyong Google account, humihiling ang Unified Loan System ng read-only na access sa iyong Gmail","legal.privacyGoogleDataCalendarBefore":"at access sa iyong mga event sa Google Calendar","legal.privacyGoogleDataUsage":"Ginagamit namin ang read-only na access sa Gmail para lamang mag-import ng sample ng iyong sariling kamakailang ipinadalang mga email upang sanayin ang isang personalized na modelo ng estilo ng pagsusulat nang sa gayon ay makapagdraft ang aming AI assistant ng mga mensahe sa iyong boses; hindi namin kailanman ipinapadala, binabago, o binubura ang iyong email. Ginagamit namin ang access sa Calendar para lamang gumawa at magbasa ng mga event para sa pag-iiskedyul sa loob ng iyong workflow ng loan.","legal.privacyGoogleDataAdheresBefore":"Ang paggamit at paglilipat ng Unified Loan System ng impormasyong natanggap mula sa mga Google API ay sumusunod sa","legal.privacyGoogleDataPolicyLink":"Patakaran sa Data ng Gumagamit ng Google API Services","legal.privacyGoogleDataAdheresAfter":", kabilang ang mga kinakailangan sa Limited Use.","legal.privacyGoogleDataNoSell":"Hindi namin ibinebenta ang data ng gumagamit ng Google, ginagamit ito para sa advertising, o inililipat sa iba maliban upang ibigay ang mga feature na ito, sumunod sa naaangkop na batas, o bilang bahagi ng isang merger o acquisition. Maaari mong bawiin ang access anumang oras sa pamamagitan ng pag-disconnect ng Google sa iyong mga setting o sa pamamagitan ng mga pahintulot ng iyong Google Account, na nagbubura sa mga naka-store na sample ng email.","legal.privacyContactHeading":"8. Makipag-ugnayan sa Amin","legal.privacyContactBefore":"Kung mayroon kang mga tanong o komento tungkol sa patakarang ito, mag-email sa amin sa","legal.cookieTitle":"Patakaran sa Cookie","legal.cookieUseHeading":"1. Paggamit ng Cookie","legal.cookieUseBody":"Gumagamit ang Unified Loan System ng cookie upang pagbutihin ang iyong karanasan sa aming website. Ang mga cookie ay mga text file na inilalagay sa iyong computer upang mangolekta ng standard na impormasyon ng Internet log at impormasyon tungkol sa pag-uugali ng bisita. Kapag binisita mo ang aming mga website, maaari kaming mangolekta ng impormasyon mula sa iyo nang awtomatiko sa pamamagitan ng cookie o katulad na teknolohiya.","legal.cookieHowHeading":"2. Paano Namin Ginagamit ang Cookie","legal.cookieHowIntro":"Gumagamit kami ng cookie sa iba't ibang paraan upang pagbutihin ang iyong karanasan sa aming website, kabilang ang:","legal.cookieHowItem1":"Panatilihing naka-sign in ka","legal.cookieHowItem2":"Unawain kung paano mo ginagamit ang aming website","legal.cookieHowItem3":"I-save ang iyong mga kagustuhan","legal.cookieTypesHeading":"3. Mga Uri ng Cookie na Ginagamit Namin","legal.cookieFunctionalityHeading":"Functionality","legal.cookieFunctionalityBo

1dy":"Ginagamit ng aming Kumpanya ang mga cookie na ito upang makilala ka namin sa aming website at maalala ang iyong dating napiling mga kagustuhan. Maaaring kabilang dito kung anong wika ang gusto mo at kung saan ka naroroon.","legal.cookieSecurityHeading":"Seguridad","legal.cookieSecurityBody":"Gumagamit kami ng mga security cookie upang patotohanan ang mga user, pigilan ang mapanlinlang na paggamit ng mga login credential, at protektahan ang data ng user mula sa mga di-awtorisadong partido.","legal.cookieManagingHeading":"4. Pamamahala ng Cookie","legal.cookieManagingBody":"Maaari mong itakda ang iyong browser na huwag tumanggap ng cookie. Gayunpaman, sa ilang kaso, maaaring hindi gumana nang maayos ang ilang feature ng aming website bilang resulta nito.","legal.disclaimerTitle":"Disclaimer","legal.disclaimerWebsiteHeading":"1. Disclaimer ng Website","legal.disclaimerWebsiteBody":'Ang impormasyong ibinibigay ng Unified Loan System ("kami," "amin," o "aming") sa website na ito ay para sa pangkalahatang layuning pang-impormasyon lamang. Ang lahat ng impormasyon sa Site ay ibinibigay nang may mabuting hangarin, gayunpaman hindi kami gumagawa ng anumang representasyon o garantiya ng anumang uri, tahasan man o ipinahihiwatig, tungkol sa katumpakan, kasapatan, bisa, pagiging maaasahan, availability, o pagkakumpleto ng anumang impormasyon sa Site.',"legal.disclaimerFinancialHeading":"2. Disclaimer sa Pananalapi","legal.disclaimerFinancialBody":"Hindi naglalaman ng financial advice ang Site. Ang impormasyong pampinansyal ay ibinibigay para sa pangkalahatang layuning pang-impormasyon at pang-edukasyon lamang at hindi kapalit ng propesyonal na payo. Bago gumawa ng anumang aksyon batay sa naturang impormasyon, hinihikayat ka naming kumonsulta sa naaangkop na mga propesyonal. Hindi kami nagbibigay ng anumang uri ng financial advice. ANG PAGGAMIT O PAG-ASA SA ANUMANG IMPORMASYONG NAKAPALOOB SA SITE AY NASA SARILI MONG PANANAGUTAN LAMANG.","legal.disclaimerExternalLinksHeading":"3. Disclaimer sa Panlabas na mga Link","legal.disclaimerExternalLinksBody":"Maaaring maglaman ang Site (o maaari kang ipadala sa pamamagitan ng Site) ng mga link sa ibang website o nilalamang pag-aari o nagmula sa mga third party o mga link sa mga website at feature sa mga banner o iba pang advertising. Ang mga ganitong panlabas na link ay hindi iniimbestigahan, sinusubaybayan, o sinusuri namin para sa katumpakan, kasapatan, bisa, pagiging maaasahan, availability, o pagkakumpleto.","mktg.featuresHeroEyebrow":"Mga Feature ng Platform","mktg.featuresHeroTitleLine1":"Lahat ng Kailangan Mo","mktg.featuresHeroTitleLine2":"para Mas Mabilis na Pagsasara","mktg.featuresHeroSubtitle":"Saklaw ng isang platform ang buong origination lifecycle — AI underwriting, pag-verify ng dokumento, compliance, eSign, at CRM. Walang kailangang bolt-on.","mktg.featAiCategory":"AI at Underwriting","mktg.featAiHeadline":"Underwriting na Pinapagana ng AI","mktg.featAiSubhead":"Makakuha ng mga desisyon nang instant — hindi pagkalipas ng ilang oras.","mktg.featAiDesc":"Ang aming AI engine ay nag-aanalisa ng libu-libong data point nang real time para magbigay ng tumpak na pre-approval at itampok ang mga kondisyon nang maaga. Huwag nang maghintay na sagutin ng underwriter ang telepono.","mktg.featAiBullet1":"Instant na pre-approval letter na may kumpletong listahan ng mga kondisyon","mktg.featAiBullet2":"Automated na paggawa ng STIP na nakatali sa mga kulang na field ng 1003","mktg.featAiBullet3":"Simulation ng DU/LP AUS findings bago ang aktwal na pagsusumite","mktg.featAiBullet4":"Risk scoring na may maipaliwanag na pangangatwiran kada loan","mktg.featDocsCategory":"Mga Dokumento","mktg.featDocsHeadline":"Neural na Pag-verify ng Dokumento","mktg.featDocsSubhead":"Itigil na ang manu-manong pagbasa ng mga PDF.","mktg.featDocsDesc":"Binabasa ng aming OCR pipeline ang mga paystub, W-2, 1099, tax return, at bank statement. Cross-validate nito ang nakuhang data laban sa 1003 at awtomatikong minamarkahan ang bawat pagkakaiba.","mktg.featDocsBullet1":"Dual-vendor consensus OCR (Textract + Gemini Vision)","mktg.featDocsBullet2":"99.7% na katumpakan sa malilinis na dokumento, maayos na fallback sa mga edge c

1ase","mktg.featDocsBullet3":"Front + back ID capture na may AAMVA barcode scan","mktg.featDocsBullet4":"Verify-before-save UI — tingnan ang nakuhang data bago ito mapunta sa loan file","mktg.featPipelineCategory":"Pipeline","mktg.featPipelineHeadline":"Full-Stack na Loan Origination","mktg.featPipelineSubhead":"Ang buong pipeline mo, isang dashboard.","mktg.featPipelineDesc":"Mula sa guest 1003 hanggang eSign hanggang lender handoff — nasa Unified Loan System ang kumpletong origination workflow. Walang spreadsheet, walang email chains, walang kailangang third-party LOS.","mktg.featPipelineBullet1":"Kanban pipeline na may real-time na pag-track ng status","mktg.featPipelineBullet2":"In-house eSign (PAdES) — walang per-envelope na bayad sa DocuSign","mktg.featPipelineBullet3":"MISMO 3.4 lender export para sa UWM at iba pang wholesale lenders","mktg.featPipelineBullet4":"eSign audit trail: IP, timestamp, signed fields kada event","mktg.featCrmCategory":"CRM","mktg.featCrmHeadline":"CRM + AI Email Campaigns","mktg.featCrmSubhead":"Ang contact book mo na may utak.","mktg.featCrmDesc":"Built-in CRM para sa mga lead, nanghihiram, partner, at outreach contacts. Ang Breeze AI ang sumusulat at nag-i-iskedyul ng mga campaign, humahawak ng re-engagement, at awtomatikong nagpapadala ng post-closing follow-up.","mktg.featCrmBullet1":"Pinag-isang listahan ng tao: mga lead, nanghihiram, partner, contacts","mktg.featCrmBullet2":"Sumusulat ang Breeze AI ng personalized na email copy sa antas ng segment","mktg.featCrmBullet3":"Autopilot campaigns na may office-hours throttle + sending rails","mktg.featCrmBullet4":"Re-engagement at post-closing follow-up sa nako-configure na iskedyul","mktg.featComplianceCategory":"Compliance","mktg.featComplianceHeadline":"Built-In na Compliance Engine","mktg.featComplianceSubhead":"Manatiling malinis nang walang manu-manong gawain.","mktg.featComplianceDesc":"Automated na ATR, HMDA, OFAC, at state-level high-cost checks ang tumatakbo sa bawat pag-edit ng loan. Ang mga audit trail, LAR export, at MISMO handoff ang nagpapanatiling handa ka sa exam sa lahat ng oras.","mktg.featComplianceBullet1":"ATR (Reg Z), HMDA, OFAC screening sa bawat pag-save ng loan","mktg.featComplianceBullet2":"State routing: CA, NY, TX, FL high-cost + federal \xa71026.32","mktg.featComplianceBullet3":"Audit log sa /admin/audit — buong event history kada loan","mktg.featComplianceBullet4":"HMDA LAR CSV export at MISMO 3.4 lender submission file","mktg.featSecurityCategory":"Seguridad","mktg.featSecurityHeadline":"Enterprise-Grade na Seguridad","mktg.featSecuritySubhead":"Ginawa para sa pagiging sensitibo ng datos ng mortgage.","mktg.featSecurityDesc":"Tatlong tier ng security hardening — account lockout, MFA, passkeys, session binding, impossible-travel detection, at step-up auth para sa bawat sensitibong aksyon.","mktg.featSecurityBullet1":"Passkeys (WebAuthn) + TOTP MFA para sa mga broker","mktg.featSecurityBullet2":"Step-up auth sa credit pulls, rate locks, at pag-reveal ng SSN/DOB","mktg.featSecurityBullet3":"Impossible-travel alerts + sign-out-everywhere","mktg.featSecurityBullet4":"Session IP/UA binding + idle timeout enforcement","mktg.featuresCtaTitlePrefix":"Handa nang","mktg.featuresCtaTitleHighlight":"Makita Itong Live?","mktg.featuresCtaSubtitle":"Gumawa ng libreng account at patakbuhin ang iyong unang loan sa platform sa loob ng wala pang 10 minuto.","mktg.featuresCtaFinePrint":"Walang kailangang credit card \xb7 14-araw na trial \xb7 Kanselahin anumang oras","mktg.benefitsHeroEyebrow":"Bakit Unified Loan System","mktg.benefitsHeroTitlePrefix":"Bakit Sumali","mktg.benefitsHeroSubtitle":"Hindi lang kami isang platform — kami ang iyong growth partner. Tingnan kung paano namin tinutulungan ang mga broker na mag-close ng mas marami, mas mabilis, nang may mas kaunting overhead.","mktg.metricFasterClosingsLabel":"Mas Mabilis na Pagsasara","mktg.metricFasterClosingsDesc":"Ang average na clear-to-close time ay nababawasan mula 30 araw hanggang 10 gamit ang automated workflows at instant AI decisions.","mktg.metricAlwaysOnLabel":"Laging Bukas","mktg.metricAlwaysOnDesc":"Mag-simulate ng underwriting decisions nang 2 AM. Huwag nang maghintay na sagutin ng underwriter ang telepono.","mktg.metricTransparentLabel":"Transparent","mktg.metricTransparentDesc":"Real-time na status update para sa iyo at sa iyong mga nanghihiram. Walang black-box na pagtanggi, kailanman.","mktg.metricLessManualLabel":"Mas Kaunting Manu-manong Trabaho","mktg.metricLessManualDesc":"Iniulat ng mga broker na 60% na mas kaunting oras ang ginugugol sa document review pagkatapos lumipat sa neural OCR verification.","mktg.benefitsGridTitlePrefix":"Ginawa para Lutasin ang","mktg.benefitsGridTitleHighlight":"Mga Tunay na Problema","mktg.benefitsGridSubtitle":"Ang bawat feature ay dinisenyo batay sa isang partikular na pain point sa origination workflow.","mktg.benefitNoManualReviewTitle":"Wala Nang Manu-manong Document Review","mktg.benefitNoManualReviewDesc":"Mag-upload ng paystubs, W-2, bank statements, at tax returns. Awtomatikong binabasa, kinukuha, at cross-validate ng aming AI ang bawat numero laban sa 1003.","mktg.benefitStayEngagedTitle":"Mga Nanghihiram na Talagang Nananatiling Engaged","mktg.benefitStayEngagedDesc":"Pinapanatiling updated ng white-labeled borrower portal ang mga nanghihiram sa bawat yugto. Hinahawakan ng Breeze AI ang mga follow-up para hindi mo na kailangang gawin.","mktg.benefitComplianceTitle":"Mag-close nang Walang Compliance Anxiety","mktg.benefitComplianceDesc":"Ang bawat loan ay awtomatikong sini-screen laban sa ATR, HMDA, OFAC, at state high-cost rules. Laging handa ang mga audit trail at LAR export.","mktg.benefitEsignTitle":"eSign na Walang Per-Envelope Fee","mktg.benefitEsignDesc":"Kasama ang in-house PAdES eSign sa lahat ng paid plan. Magpadala ng unlimited na signature packets nang walang DocuSign bill sa katapusan ng buwan.","mktg.benefitScaleTitle":"Mag-scale nang Hindi Nagdaragdag ng Tauhan","mktg.benefitScaleDesc":"Hinahawakan ng automation layer ang status updates, re-engagement, condition tracking, at lender handoff — para mas marami ang magawa ng team mo nang hindi lumalaki.","mktg.benefitYourDataTitle":"Ang Iyong Data, ang Iyong Infrastru

1cture","mktg.benefitYourDataDesc":"Naka-store ang mga dokumento sa iyong NAS o cloud na pinili mo sa pamamagitan ng MinIO. Hindi namin kailanman hinahawakan ang data ng iyong nanghihiram bilang hostage — mag-export anumang oras.","mktg.benefitsCtaTitle":"Handa nang Palaguin ang Iyong Pipeline?","mktg.benefitsCtaSubtitle":"Sumali sa mga high-performing broker na nagtitiwala sa Unified Loan System para mag-close nang mas mabilis nang may mas kaunting pagsisikap.","mktg.pricingHeroTitleLine1":"Simpleng Presyo.","mktg.pricingHeroTitleLine2":"Walang Sorpresa.","mktg.pricingHeroSubtitle":"Magsimula nang libre. Mag-upgrade kapag kailangan mo. Kasama sa bawat plan ang buong AI engine — walang feature gating sa core underwriting.","mktg.pricingHeroFinePrint":"14-araw na libreng trial sa paid plans \xb7 Kanselahin anumang oras \xb7 Walang kailangang credit card para magsimula","mktg.priceFree":"Libre","mktg.priceCustom":"Custom","mktg.tierStarterName":"Starter","mktg.tierStarterSub":"Walang kailangang credit card","mktg.tierStarterDesc":"Para sa mga broker na nagsisimula pa lang. Buong access sa platform, walang commitment.","mktg.tierStarterCta":"Magsimula nang Libre","mktg.tierStarterFeature1":"1 active na loan pipeline","mktg.tierStarterFeature2":"AI underwriting assistant (5 pulls/buwan)","mktg.tierStarterFeature3":"Borrower portal (1 user)","mktg.tierStarterFeature4":"Standard na document upload","mktg.tierStarterFeature5":"Email support","mktg.tierStarterMissing1":"Bulk pipelines","mktg.tierStarterMissing2":"Team seats","mktg.tierStarterMissing3":"API access","mktg.tierStarterMissing4":"Priority onboarding","mktg.tierBrokerName":"Broker","mktg.tierBrokerSub":"kada buwan, binibill buwan-buwan","mktg.tierBrokerDesc":"Ang buong platform para sa mga solo broker at maliliit na shop na nagka-close ng 5–20 loan/buwan.","mktg.tierBrokerCta":"Simulan ang 14-Araw na Trial","mktg.tierBrokerBadge":"Pinakasikat","mktg.tierBrokerFeature1":"Unlimited na active pipelines","mktg.tierBrokerFeature2":"AI underwriting (unlimited)","mktg.tierBrokerFeature3":"Neural OCR document verification","mktg.tierBrokerFeature4":"Borrower portal (unlimited na nanghihiram)","mktg.tierBrokerFeature5":"CRM + AI email campaigns","mktg.tierBrokerFeature6":"Compliance engine (ATR, HMDA, state regs)","mktg.tierBrokerFeature7":"MISMO 3.4 export","mktg.tierBrokerFeature8":"AUS findings (DU/LP)","mktg.tierBrokerFeature9":"eSign (in-house, walang per-envelope fee)","mktg.tierBrokerFeature10":"Priority email + chat support","mktg.tierBrokerMissing1":"Team seats","mktg.tierBrokerMissing2":"White-label branding","mktg.tierBrokerMissing3":"API access","mktg.tierTeamName":"Team","mktg.tierTeamSub":"kada buwan, hanggang 5 seats","mktg.tierTeamDesc":"Para sa lumalagong brokerage na may maraming LO. Shared pipeline, unified reporting.","mktg.tierTeamCta":"Simulan ang 14-Araw na Trial","mktg.tierTeamFeature1":"Lahat ng nasa Broker","mktg.tierTeamFeature2":"Hanggang 5 LO seats ($49/seat pagkatapos)","mktg.tierTeamFeature3":"Shared pipeline dashboard","mktg.tierTeamFeature4":"White-label borrower portal","mktg.tierTeamFeature5":"Team performance reports","mktg.tierTeamFeature6":"Webhook + Zapier integration","mktg.tierTeamFeature7":"Dedicated onboarding call","mktg.tierTeamFeature8":"Phone + priority support","mktg.tierTeamMissing1":"Custom API SLA","mktg.tierTeamMissing2":"Dedicated CSM","mktg.tierEnterpriseName":"Enterprise","mktg.tierEnterpriseSub":"may available na volume pricing","mktg.tierEnterpriseDesc":"Para sa malalaking brokerage, aggregators, at tech partners. Gumawa tayo ng isang bagay 

1nang magkasama.","mktg.tierEnterpriseCta":"Makipag-usap sa Sales","mktg.tierEnterpriseFeature1":"Lahat ng nasa Team","mktg.tierEnterpriseFeature2":"Unlimited na seats","mktg.tierEnterpriseFeature3":"Custom API SLA + raw data access","mktg.tierEnterpriseFeature4":"Dedicated customer success manager","mktg.tierEnterpriseFeature5":"Custom integrations (Encompass, LendingPad)","mktg.tierEnterpriseFeature6":"SSO / SAML","mktg.tierEnterpriseFeature7":"Audit log export","mktg.tierEnterpriseFeature8":"NDA + custom DPA","mktg.tierEnterpriseFeature9":"SLA uptime guarantee (99.9%)","mktg.addOnsTitle":"Pass-Through na Gastos ng Vendor","mktg.addOnsBodyPart1":"Ang mga third-party na gastos (credit pulls ~$15–35/tri-merge, Plaid bank income reports, recording fees) ay binibill sa aktwal na halaga nang may","mktg.addOnsZeroMarkup":"zero markup","mktg.addOnsBodyPart2":". Lumalabas ang mga ito bilang hiwalay na line item sa iyong buwanang invoice para palaging alam mo kung magkano ang binayaran mo.","mktg.faqTitlePrefix":"Mga Madalas","mktg.faqTitleHighlight":"Itanong","mktg.faqLoanPullQ":'Ano ang itinuturing na "loan pull" sa Starter plan?',"mktg.faqLoanPullA":"Ang pull ay sa tuwing sinusuri ng AI engine ng Unified Loan System ang kumpletong 1003 + document set laban sa underwriting guidelines. Hindi bilang ang pag-upload lang ng dokumento.","mktg.faqTrialCardQ":"Kailangan ba ng credit card ang libreng trial?","mktg.faqTrialCardA":"Hindi. Maaari kang magsimula ng 14-araw na Broker o Team trial gamit lang ang iyong email at NMLS number. Kailangan lang ng card kung pipiliin mong magpatuloy.","mktg.faqSwitchPlansQ":"Pwede ba akong magpalit ng plan sa kalagitnaan ng cycle?","mktg.faqSwitchPlansA":"Oo. Ang mga upgrade ay agad na nagkakabisa at prorated. Ang mga downgrade ay magkakabisa sa simula ng iyong susunod na billing cycle.","mktg.faqEsignPricingQ":"Paano gumagana ang pricing ng eSign?","mktg.faqEsignPricingA":"Kasama sa lahat ng paid plan ang unlimited na in-house eSign envelopes nang walang per-envelope fee. Ginagamit namin ang sarili naming PAdES-compliant signing infrastructure — walang DocuSign markup.","mktg.faqPassThroughQ":"Kasama ba ang metered pass-through costs?","mktg.faqPassThroughA":"Ang credit pulls, Plaid bank income reports, at iba pang third-party vendor costs ay binibill sa halaga nang walang markup. Makikita mo ang mga itemized na singil sa iyong invoice.","mktg.faqFirstLoanQ":"Ano ang mangyayari kapag na-close ko ang aking unang tunay na loan?","mktg.faqFirstLoanA":"Walang awtomatikong nagbabago. Mananatili ka sa iyong plan. Kapag handa ka nang mag-scale, nandito ang aming team para tulungan kang mag-optimize.","mktg.pricingCtaTitlePrefix":"Handa nang","mktg.pricingCtaTitleHighlight":"Magsimula?","mktg.pricingCtaSubtitle":"Sumali sa mga broker na mas mabilis nang nagka-close sa Unified Loan System. Walang lock-in, walang setup fee.","mktg.ctaStartFreeTrial":"Simulan ang Libreng Trial","mktg.ctaViewPricing":"Tingnan ang Presyo","mktg.ctaSeePricing":"Tingnan ang Presyo","mktg.ctaGetStartedNow":"Magsimula na Ngayon","mktg.ctaCreateFreeAccount":"Gumawa ng Libreng Account","mktg.ctaTalkToSales":"Makipag-usap sa Sales","about.heroEyebrow":"Tungkol sa Unified Loan System","about.heroTitleLine1":"Pinalalakas ang mga Broker sa pamamagitan ng","about.heroTitleLine2":"Matalinong Automation","about.heroSubtitle":"Sa Unified Loan System, naniniwala kami na ang kinabukasan ng pagpapautang ay pag-aari ng mga mabilis kumilos. Binubuo namin ang imprastraktura upang matiyak na ikaw 

1iyon.","about.statActiveBrokers":"Aktibong Broker","about.statLoansOriginated":"Mga Na-originate na Loan","about.statPlatformUptime":"Uptime ng Platform","about.statFasterThanManual":"Mas Mabilis Kaysa Manual","about.missionEyebrow":"Misyon","about.missionTitleLead":"Inaalis ang","about.missionTitleAccent":"Friction ng Pagpapautang","about.missionPara1":"Ang industriya ng mortgage ay nanatili sa nakaraan — punung-puno ng papeleo, manual na pagsusuri, at malalabong desisyon sa underwriting. Nakakita kami ng mas magandang paraan.","about.missionPara2":"Sa paggamit ng AI para asikasuhin ang mabibigat na gawain ng pagsusuri ng dokumento at paggawa ng mga kondisyon, napapalaya namin ang mga broker para gawin ang pinakamahusay nilang gawin: bumuo ng relasyon at magsara ng deal.","about.value1Title":"Transparency Muna","about.value1Desc":"Walang black-box na pagtanggi. Bawat natuklasan ng AI ay ipinapakita nang may paliwanag upang maunawaan mo nang eksakto kung ano ang nakikita ng underwriter.","about.value2Title":"Bilis Bilang Pamantayan","about.value2Desc":"Mga desisyon sa loob ng ilang minuto, hindi araw. Funding sa loob ng ilang araw, hindi linggo. Sinusukat namin ang aming tagumpay sa oras na natitipid para sa bawat broker na pinaglilingkuran namin.","about.value3Title":"Broker Muna","about.value3Desc":"Nananalo lang kami kapag nagsasara ka ng mga loan. Bawat desisyon sa produkto ay nagsisimula sa tanong: pinadadali ba nito sa isang broker ang pagsasara ng loan?","about.teamEyebrow":"Ang Team","about.teamTitleLead":"Ginawa ng","about.teamTitleAccent":"mga Eksperto","about.teamSubtitle":"Mga engineer, data scientist, at beterano sa mortgage na nagtutulungan upang ilunsad ang pinakamahusay na origination platform sa merkado.","about.pillarEngineeringTitle":"Engineering","about.pillarEngineeringDesc":"Mga systems engineer na may background sa fintech at distributed systems. Bumubuo kami para sa scale at compliance mula pa sa unang araw.","about.pillarMortgageTitle":"Mortgage","about.pillarMortgageDesc":"Mahigit 20 taong pinagsamang karanasan sa underwriting at origination. Alam namin ang mga guideline, kondisyon, at pain point.","about.pillarProductTitle":"Produkto","about.pillarProductDesc":"Obsesyon namin ang pinakamaayos na posibleng workflow. Nag-prototype, nag-test, at naglulunsad kami nang mas mabilis kaysa sa kahit anong mortgage tech shop sa merkado.","about.ctaTitleLead":"Sumali sa","about.ctaTitleAccent":"Rebolusyon","about.ctaSubtitle":"Itigil na ang mahirap na paraan ng pagpoproseso ng loan. Karanasan ang pagkakaiba ng Unified Loan System ngayon.","about.ctaBecomePartner":"Maging Partner","about.ctaViewPricing":"Tingnan ang Presyo","about.contactHeroEyebrow":"Makipag-ugnayan sa Amin","about.contactHeroTitleLead":"Narito Kami Upang","about.contactHeroTitleAccent":"Tulungan Kang Magsara.","about.contactHeroSubtitle":"Kung kailangan mo man ng suporta sa produkto, gustong pag-usapan ang enterprise pricing, o may tanong sa compliance — direktang makipag-ugnayan sa tamang team.","about.contactSalesTitle":"Sales","about.contactSalesDesc":"Mga tanong sa presyo, volume deals, enterprise contracts, at mga integrasyon sa nagpapautang.","about.contactSalesAction":"Mag-email sa Sales","about.contactSupportTitle":"Suporta sa Broker","about.contactSupportDesc":"Tulong sa platform, mga tanong sa pipeline, at troubleshooting sa pag-verify ng dokumento.","about.contactSupportAction":"Buksan ang Support Chat","about.contactPartnershipTitle":"Partnership at Compliance","about.contactPartnershipDesc":"Vendor onboarding, pag-execute ng DPA/MSA, CASA paperwork, at mga tanong sa lender API.","about.contactPartnershipAction":"Mag-email sa Partnerships","about.contactPressTitle":"Media at Press","about.contactPressDesc":"Press kit, mga kahilingan sa interview, at mga editorial inquiry tungkol sa Unified Loan System o sa mortgage AI space.","about.contactPressAction":"Mag-email sa Press","about.officeLocation":"San Luis Obispo, CA \xb7 Lisensyado sa California (DBO)","about.officeLegalNote":"Ang Unified Loan System ay trade name ng California Mortgage Solutions, isang California S-Corp. Lahat ng kontrata sa vendor ay isinasagawa sa ilalim ng legal entity.","about.contactCtaTitle":"Hindi sigurado kung saan magsisimula?","about.contactCtaSubtitle":"Gumawa ng libreng account at tuklasin ang platform. Walang obligasyon.","about.contactCtaButton":"Magsimula nang Libre","about.setupErrMissingTokenTitle":"Nawawalang invitation token","about.setupErrMissingTokenMsg":"Ang link na ginamit mo ay walang kinakailangang token. Hilingin sa iyong broker na muling ipadala ang imbitasyon.","about.setupErrInvalidTitle":"Hindi balidong imbitasyon","about.setupErrMismatchTitle":"Hindi tugmang imbitasyon","about.setupErrMismatchMsg":"Ang invitation link na ito ay hindi tumutugma sa email na pinagbigyan nito. Pakigamit nang eksakto ang link mula sa iyong email.","about.setupHeading":"Itakda ang iyong password","about.setupWelcomeLead":"Maligayang pagdating sa Unified Loan System. Ina-set up mo ang iyong account para sa","about.setupErrFooter":"Kung sa tingin mo ay may pagkakamali, makipag-ugnayan sa iyong broker para sa bagong imbitasyon.","about.setupValTooShort":"Dapat ay hindi bababa sa {min} na character ang password.","about.setupValComplexity":"Dapat may kasamang malalaking titik, maliliit na titik, at isang numero ang password.","about.setupValMismatch":"Hindi magkatugma ang mga password.","about.setupErrFallback":"Nabigo ang setup. Subukang muli o humingi ng bagong imbitasyon sa iyong broker.","about.setupNetworkError":"May error sa network. Subukang muli.","about.setupNewPasswordLabel":"Bagong password","about.setupPasswordHint":"Hindi bababa sa {min} na character na may malalaking titik, maliliit na titik, at isang numero.","about.setupConfirmPasswordLabel":"Kumpirmahin ang password","about.setupSubmitting":"Sine-save…","about.setupSubmit":"Itakda ang password at magpatuloy","home.statActiveBrokers":"Aktibong Broker","home.statLoansProcessed":"Mga Loan na Naproseso","home.statPlatformUptime":"Uptime ng Platform","home.statBrokerRating":"Rating ng Broker","home.featureAiUnderwritingTitle":"AI Underwriting","home.featureAiUnderwritingDesc":"Instant na mga pre-approval na pinapagana ng machine learning. Sinusuri ng aming AI ang data ng nanghihiram sa loob ng ilang segundo at nagpapakita ng malinaw na mga kondisyon.","home.featureDocVerificationTitle":"Pag-verify ng Dokumento","home.featureDocVerificationDesc":"Binabasa ng Neural OCR ang mga paystub, W

1-2, bank statement, at tax return. Awtomatikong cross-validate ang data laban sa 1003.","home.featurePipelineMgmtTitle":"Pamamahala ng Pipeline","home.featurePipelineMgmtDesc":"Subaybayan ang bawat loan mula application hanggang pagsasara. Mga Kanban board, awtomatikong update ng status, at real-time na notification.","home.featureCrmCampaignsTitle":"CRM at mga Campaign","home.featureCrmCampaignsDesc":"Built-in na contact management na may mga email campaign na pinapagana ng AI. I-segment ang mga nanghihiram at magpadala ng personalized na outreach sa malaking sukat.","home.featureComplianceEngineTitle":"Compliance Engine","home.featureComplianceEngineDesc":"Awtomatikong mga regulatory check, MISMO data export, at audit trail. Manatiling compliant nang walang manual na trabaho.","home.featureBorrowerPortalTitle":"Portal ng Nanghihiram","home.featureBorrowerPortalDesc":"White-labeled na portal kung saan kinukumpleto ng mga nanghihiram ang kanilang 1003, nag-a-upload ng dokumento, at sinusubaybayan ang status ng loan sa real-time.","home.step1Title":"Mag-onboard sa Ilang Minuto","home.step1Desc":"Gumawa ng iyong broker account, ikonekta ang iyong NMLS, at i-configure ang iyong pipeline sa loob ng wala pang 10 minuto.","home.step2Title":"Mag-upload at Mag-verify","home.step2Desc":"Isinusumite ng mga nanghihiram ang kanilang 1003 at mga dokumento. Agad na vine-verify ng aming AI ang lahat — walang manual na review.","home.step3Title":"Isara at Pondohan","home.step3Desc":"Awtomatikong pagsubaybay ng kondisyon, handoff sa nagpapautang, at koordinasyon ng pagsasara. Mas mabilis isinasara ang iyong mga loan.","home.testimonial1Role":"Senior Loan Officer, Pacific Lending","home.testimonial1Text":"Binawasan ng Unified Loan System ang aming processing time ng 60%. Nahuhuli ng AI ang mga discrepancy na dati ay umaabot ng oras para hanapin nang manual.","home.testimonial2Role":"Broker Owner, Summit Mortgage Group","home.testimonial2Text":"Sulit na ang paglipat para lang sa borrower portal. Gustong-gusto ng mga kliyente ko na masubaybayan ang status ng kanilang loan sa real-time.","home.testimonial3Role":"Managing Director, Coastline Financial","home.testimonial3Text":"Nadoble na namin ang aming buwanang volume mula nang mag-onboard. Mas maraming qualified leads ang nililikha ng AI campaign system kaysa sa dati naming CRM.","home.aiCapabilityOcr":"Neural OCR na document extraction na may 99.7% na katumpakan","home.aiCapabilityVerification":"Awtomatikong pag-verify ng kita, asset, at liability","home.aiCapabilityDiscrepancy":"Real-time na pag-detect ng discrepancy sa mga field ng 1003","home.aiCapabilityMismo":"MISMO 3.4 compliant na data export","home.aiCapabilityConditioning":"Predictive conditioning at awtomatikong STIP clearance","home.aiCapabilityCampaigns":"AI-powered na email campaign na may personalized na content","home.heroBadge":"Pinagkakatiwalaan ng 500+ Top-Performing na Broker","home.heroTitleLine1":"Ang Kinabukasan ng Pagpapautang","home.heroTitleLine2":"Ay Pinapagana ng AI","home.heroSubtitle":"Binibigyang-kapangyarihan ng Unified Loan System ang mga broker sa instant na AI underwriting, neural na document verification, at real-time na pipeline management. Mas mabilis isara ang mga loan at palaguin ang iyong negosyo.","home.ctaStartFreeTrial":"Simulan ang Libreng Trial","home.ctaViewPricing":"Tingnan ang Presyo","home.alreadyPartner":"Partner na?","home.logInToPortal":"Mag-log in sa Portal","home.badgeNmlsLicensed":"NMLS Licensed","home.badgeSoc2Certified":"SOC 2 Certified","home.badge256Encryption":"256-bit na Encryption","home.badgeCcpaCompliant":"CCPA Compliant","home.featuresEyebrow":"Mga Feature ng Platform","home.featuresHeadingLead":"Lahat ng Kailangan Mo Para","home.featuresHeadingAccent":"Magsara ng Mas Maraming Loan","home.featuresSubtitle":"Isang kumpletong mortgage origination platform na ginawa ng mga broker, para sa mga broker. Bawat tool, bawat automation, isang dashboard.","home.howItWorksEyebrow":"Simpleng Proseso","home.howItWorksHeadingLead":"Magsimula sa","home.howItWorksHeadingAccent":"Tatlong Hakbang","home.howItWorksSubtitle":"Mula sa pag-sign up hanggang sa iyong unang naisarang loan — mas mabilis ito kaysa sa inaakala mo.","home.testimonialsEyebrow":"Mga Kuwento ng Broker","home.testimonialsHeadingLead":"Pinagkakatiwalaan ng","home.testimonialsHeadingAccent":"Pinakamahusay sa Industriya","home.demoDocScanLabel":"Kumpleto na ang document scan:","home.demoDocScanValue":"W-2, Paystub, Bank Statement","home.demoIncomeLabel":"Na-verify ang kita:","home.demoIncomeValue":"{amount}/buwan gross","home.demoDtiLabel":"DTI ratio:","home.demoDtiValue":"{ratio} — Qualified","home.demoDepositLabel":"Na-flag na malaking deposit:","home.demoDepositValue":"{amount} — Kailangan ng LOE","home.demoMismoLabel":"MISMO 3.4 export:","home.demoMismoValue":"Handa na","home.demoPreApprovalLabel":"Nabuo ang pre-approval sa loob ng","home.demoPreApprovalValue":"{seconds} segundo","home.aiShowcaseEyebrow":"Pinapagana ng AI","home.aiShowcaseHeadingLead":"Katalinuhang Talagang","home.aiShowcaseHeadingAccent":"Nagdudulot ng Pagbabago","home.aiShowcaseSubtitle":"Ang aming AI engine ay hindi lang chatbot — isa itong kumpletong underwriting co-pilot na nagbabasa, nag-ve-verify, at nag-va-validate ng bawat dokumento sa iyong pipeline.","home.ctaSeeItInAction":"Tingnan Itong Gumagana","home.finalCtaHeadingLead":"Handa Ka Nang","home.finalCtaHeadingAccent":"Baguhin","home.finalCtaHeadingTrail":"ang Iyong Negosyo?","home.finalCtaSubtitle":"Sumali sa daan-daang nangungunang broker na gumagamit na ng Unified Loan System para magsara ng mas maraming loan, nang mas mabilis, at may mas kaunting gastos.","home.ctaCreateFreeAccount":"Gumawa ng Libreng Account","home.finalCtaFinePrint":"Walang kailangang credit card \xb7 14-araw na libreng trial \xb7 Kanselahin anumang oras","bauth.redirecting":"Iniredirect…","bauth.redirectingTo":"Dinadala ka namin sa sign-in page ng {role}.","bauth.roleBroker":"broker","bauth.roleBorrower":"nanghihiram","bauth.loading":"Naglo-load…","bauth.stepTitleWelcome":"Maligayang pagdating","bauth.stepTitleName":"Ang iyong pangalan","bauth.stepTitleEmail":"Ang iyong email","bauth.stepTitlePassword":"Gumawa ng password","bauth.stepTitleSecurity":"Opsyonal na pagpapatibay ng seguridad","bauth.stepTitleReview":"Suriin at tanggapin","bauth.errInvalidEmail":"Hindi wastong email","bauth.errInvalidEmailUsage":"Hindi wastong paggamit ng email.","bauth.errPasswordsMismatch":"Hindi magkatugma ang mga password.","bauth.errMustAgree":"Kailangan mong sumang-ayon sa Terms of Service at Privacy Policy.","bauth.errSignupFailed":"Hindi makumpleto ang signup{detail}. Subukan ulit, o mag-sign in kung mayroon ka nang account.","bauth.ofacTitle":"Account na naghihintay ng pagsusuri","bauth.ofacSubtitlePre":"Salamat sa pag-sign up. Kailangan naming i-verify ang ilang bagay bago i-activate ang iyong account sa","bauth.ofacSubtitlePost":".","bauth.ofacBody1Pre":"Ang iyong account ay nasa karaniwang pagsusuri ng pagsunod. Ito ay standard na hakbang na ginagawa namin sa bawat bagong signup bilang bahagi ng aming mga obligasyon laban sa pandaraya at sa pederal na pagsunod. Karamihan sa mga pagsusuri ay natatapos sa loob ng","bauth.ofacBody1Bold":"isang araw ng trabaho","bauth.ofacBody1Post":".","bauth.ofacBody2Pre":"Kung kailangan namin ng karagdagang impormasyon mula sa iyo, makikipag-ugnayan kami sa","bauth.ofacBody2Post":". Sa ngayon, wala kang kailangang gawin.","bauth.ofacWhyTitle":"Bakit namin ginagawa ito?","bauth.ofacWhyBody":"Ang mortgage origination ay isang regulated na industriya. Kinakailangan naming magpatakbo ng mga pagsusuri sa pagkakakilanlan at sa mga sanction sa bawat bagong account bago magbigay ng access sa mga serbisyong pinansyal. Awtomatiko ang pagsusuri at tumatakbo sa milyon-milyong pangalan — may mga maling tugma na nangyayari, at mabilis naming nireresolba ang mga ito.","bauth.returnHome":"Bumalik sa homepage","bauth.inboxTitle":"Nagawa na ang account — isang huling click","bauth.inboxSubtitlePre":"Nagpadala kami ng confirmation link sa","bauth.inboxSubtitlePost":". Isang click at nakapasok ka na.","bauth.inboxTimelineHeader":"Ito ang susunod na mangyayari","bauth.inboxStep1Title":"Nagawa na ang account.","bauth.inboxStep2Title":"Buksan ang email na kakapadala namin","bauth.inboxStep2Body":'I-click ang malaking button na "Confirm my email" sa loob. Valid ang link sa loob ng 24 na oras.',"bauth.inboxStep3Title":"Nakapasok ka na.","bauth.inboxStep3Body":"Ang pagkumpirma ng email ay direktang magsa-sign in sa iyong dashboard — walang karagdagang password prompt.","bauth.inboxLookForHeader":"Ano ang hahanapin","bauth.inboxFromLabel":"Mula kay","bauth.inboxSubjectLabel":"Paksa","bauth.inboxSubjectValue":"Kumpirmahin ang iyong Unified Loan System account","bauth.inboxNotSeenTitle":"Hindi mo makita pagkatapos ng isang minuto?","bauth.inboxNotSeenBody":'Tingnan ang spam o promotions. Madalas itinatago ng Gmail at mga katulad na provider ang unang email mula sa mga bagong sender — markahan mo kaming "Not spam" para mapunta sa iyong pangunahing inbox ang mga susunod na update sa loan.',"bauth.inboxWhyTitle":"Bakit namin ito pinapagawa sa iyo","bauth.inboxWhyBodyPre":"Ang pagkumpirma ng iyong email ay nagpapatunay na ikaw ay totoong tao (hindi bot na nag-sa-sign up nang maramihan) at walang nakagawa ng account gamit ang iyong address nang hindi sinasadya. Ito ay isang","bauth.inboxWhyBodyBold":"isang beses na hakbang","bauth.inboxWhyBodyPost":" — hindi na namin ito hihingin ulit.","bauth.resendSending":"Nagpapadala ng isa pang email…","bauth.resendSent":"Naipadala na — tingnan ang iyong inbox","bauth.resendIdle":"Ipadalang muli ang email","bauth.confirmLater"

1:"Magkukumpirma ako mamaya — payagan akong mag-sign in","bauth.wrongEmail":"Maling email? Bumalik","bauth.blockedTitle":"Naka-block ang pagrerehistro","bauth.blockedSubtitle":"Hindi wasto o expired na ang invitation link na ito. Kakailanganin mo ng aktibong referral ng broker para makagawa ng account.","bauth.stepCounter":"Hakbang {current} ng {total}","bauth.alreadyHaveAccount":"May account ka na?","bauth.signInInstead":"Mag-sign in na lang →","bauth.continue":"Magpatuloy","bauth.continueOrSkip":"Magpatuloy (o laktawan)","bauth.createAccount":"Gumawa ng aking account","bauth.orSkipForm":"O laktawan ang form","bauth.googleHelper":"Mag-sign up gamit ang Google para laktawan ang mga hakbang sa ibaba — parehong account, mas mabilis.","bauth.welcomeIntroPre":"Ise-set up namin ang iyong borrower account sa loob ng","bauth.welcomeIntroBold":"mga 90 segundo","bauth.welcomeIntroPost":". Limang mabilis na screen, tapos pasok ka na.","bauth.welcomeWhyHeader":"Bakit kailangan ng account?","bauth.welcomeBenefit1Label":"I-save ang iyong progreso","bauth.welcomeBenefit1Body":"Punan ang mga bahagi ng iyong loan application at bumalik para tapusin mamaya — hindi mawawala ang iyong na-type.","bauth.welcomeBenefit2Label":"Mag-upload ng mga dokumento nang ligtas","bauth.welcomeBenefit2Body":"Maglagay ng mga paystub at bank statement. Naka-encrypt habang inililipat at habang naka-store.","bauth.welcomeBenefit3Label":"Panoorin ang paggalaw ng iyong loan sa real time","bauth.welcomeBenefit3Body":"Makita mo nang eksakto kung anong stage na ang iyong loan at kung sino ang nagpapatagal.","bauth.welcomeBenefit4Label":"Direktang linya sa iyong broker","bauth.welcomeBenefit4Body":"Magpadala ng mensahe sa kanila mula sa kahit anong loan page. Agad silang maa-abisuhan.","bauth.welcomeFooter":"Hindi namin kailanman ibinebenta ang iyong data. Lahat ng impormasyon ay naka-encrypt habang inililipat at habang naka-store gamit ang 256-bit AES.","bauth.nameWhyTitle":"Bakit namin kailangan ang iyong buong legal na pangalan","bauth.nameWhyPre":"Lalabas ang pangalang ito sa bawat dokumento ng loan — ang iyong application, credit pull, at closing paperwork.","bauth.nameWhyBold":"Dapat eksaktong tumugma ito sa iyong government-issued ID","bauth.nameWhyPost":", kasama ang middle name kung nasa ID mo ito. Huwag gumamit ng palayaw.","bauth.firstNameLabel":"First name","bauth.firstNamePlaceholder":"John","bauth.middleNameLabel":"Middle (opsyonal)","bauth.middleNamePlaceholder":"Adam","bauth.lastNameLabel":"Last name","bauth.lastNamePlaceholder":"Doe","bauth.emailWhyTitle":"Bakit namin kailangan ang iyong email","bauth.emailWhyPre":"Dalawang dahilan. Una, magpapadala kami sa iyo ng","bauth.emailWhyBold1":"verification link","bauth.emailWhyMid":" para kumpirmahin na sa iyo ang inbox na ito — ganito namin nalalaman na totoong tao ka at hindi bot. Pangalawa, ginagamit namin ito para sa ","bauth.emailWhyBold2":"mahahalagang update lamang ng loan","bauth.emailWhyPost":" (mga pagbabago sa status, hiling na dokumento, pag-isyu ng closing disclosure). Walang marketing spam kailanman.","bauth.emailHint":"Gumamit ng isa na madalas mong tinitingnan.","bauth.passwordWhyTitle":"Bakit mahalaga ang malakas na password","bauth.passwordWhyPre":"Naglalaman ang iyong account ng sensitibong impormasyong pinansyal — kita, balanse ng mga asset, at kalaunan ang iyong SSN. Kami ay","bauth.passwordWhyBold1":"naghahash ng mga password gamit ang bcrypt","bauth.passwordWhyMid":" (isang one-way na encryption — kahit kami ay hindi makakabasa nito), pero ang mahinang password ay puwede pa ring mahulaan ng mga umaatake na gumagamit ng automated tools. Layunin ang ","bauth.passwordWhyBold2":"12+ na character","bauth.passwordWhyPost":" na may halong mga letra, numero, at simbolo. O hayaan mo na lang kaming gumawa ng malakas para sa iyo.","bauth.generatePassword":"Gumawa ng malakas na password","bauth.copied":"Nakopya","bauth.copyToClipboard":"Kopyahin sa clipboard","bauth.confirmPasswordLabel":"Kumpirmahin ang password","bauth.passwordsNoMatch":"Hindi pa magkatugma ang mga password.","bauth.savePasswordTitle":"I-save ang password na ito sa ligtas na lugar.","bauth.savePasswordBodyPre":"Naghahash kami ng iyong password bago i-store (one-way na encryption) — ibig sabihin kahit","bauth.savePasswordWe":"kami","bauth.savePasswordBodyMid":" ay hindi makakabawi nito para sa iyo. Kung mawala ito, kakailanganin mong i-reset sa pamamagitan ng email. Mahigpit naming inirerekomenda ang password manager tulad ng","bauth.savePasswordComma":",","bauth.savePasswordBodyPost":", o ang built-in na keychain ng iyong browser.","bauth.passwordSamplePlaceholder":"iyong-password","bauth.hidePassword":"Itago ang password","bauth.showPassword":"Ipakita ang password","bauth.pwStrengthTooShort":"Masyadong maikli","bauth.pwStrengthWeak":"Mahina — dagdagan ang haba","bauth.pwStrengthOkay":"Okay — puwede pang palakasin","bauth.pwStrengthGood":"Mabuti","bauth.pwStrengthExcellent":"Napakahusay","bauth.securityWhyTitle":"Ano ito, at bakit ito opsyonal","bauth.securityWhyPre":"Ang security question ay isang","bauth.securityWhyBold1":"karagdagang layer","bauth.securityWhyMid":" sa ibabaw ng iyong password. Kung may magnakaw ng iyong password at subukang mag-sign in mula sa bagong device, magtatanong kami ng isa sa mga ito para kumpirmahin na ikaw nga talaga. ","bauth.securityWhyBold2":"Laktawan ito kung mas gusto mong umasa lang sa mga code sa email","bauth.securityWhyPost":" na ipinapadala namin para sa mga sign-in mula sa bagong device — sapat na itong ligtas para sa karamihan.","bauth.securityFooter":"Maaari mo itong i-set up anumang oras mamaya sa Settings → Security.","bauth.reviewWhyTitle":"Isa pang bagay bago namin gawin ang iyong account","bauth.reviewWhyBody":'Suriin ang impormasyong inilagay mo at tanggapin ang aming mga tuntunin. Kailangan ang dalawang checkbox sa ibaba — sa madaling salita, "maingat naming pangangalagaan ang iyong data at hindi ito kailanman ibebenta." Opsyonal ang mga update sa text message; pumili ng anumang kategoryang gusto mo.',"bauth.phoneLabel":"Numero ng telepono","bauth.phoneHint":"Para makapag-text kami ng mga update sa loan.","bauth.phonePlaceholder":"(415) 555-1234","bauth.reviewNameLabel":"Pangalan","bauth.reviewMissing":"(nawawala)","bauth.reviewSecurityLabel":"Security question","bauth.reviewSet":"Naitakda","bauth.reviewSkipped":"Nilaktawan","bauth.consentTermsPre":"Sumasang-ayon ako sa","bauth.consentTermsLink":"Unified Loan System Terms of Service","bauth.consentPrivacyPre":"Sumasang-ayon ako sa","bauth.consentPrivacyLink":"Unified Loan System Privacy Policy","bauth.consentPrivacyPost":", at pumapayag sa pagkolekta, pagproseso, at pag-store ng aking impormasyon para sa layuning mag-originate ng aking mortgage loan","bauth.edit":"I-edit","bdash.portalActivityTitle":"Aktibidad sa Portal","bdash.inactiveCount":"{count} hindi aktibo","bdash.noActiveBorrowers":"Walang aktibong nanghihiram","bdash.activeNow":"Aktibo ngayon","bdash.daysAgo":"{days} araw na ang nakalipas","bdash.remind":"Ipaalala","bdash.satisfactionTitle":"Kasiyahan ng Nanghihiram","bdash.scoreExcellent":"Napakahusay","bdash.scoreGood":"Mabuti","bdash.scoreFair":"Katamtaman","bdash.scoreNeedsAttention":"Kailangan ng Pansin","bdash.npsProxy":"NPS Proxy","bdash.noActiveLoansToMeasure":"Walang aktibong loan na masusukat","bdash.statActive":"Aktibo","bdash.statOnTrack":"Nasa Tamang Daan","bdash.statClosed":"Sarado na","bdash.enableSurveys":"Wala pang datos ng survey -- I-enable ang mga survey","bdash.surveysEnabled":"Naka-enable ang mga survey (placeholder)","bdash.sentimentTitle":"Damdamin ng Nanghihiram","bdash.sentimentHappy":"Masaya","bdash.sentimentNeutral":"Neutral","bdash.sentimentConcerned":"Nag-aalala","bdash.sentimentFrustrated":"Nabibigo","bdash.atRisk":"{count} nasa panganib","bdash.reasonNoUpdates":"Walang update sa loob ng {days} araw","bdash.reasonStalledEarly":"Naantala ang loan sa maagang yugto","bdash.reasonInactive":"Hindi aktibo sa loob ng {days} araw","bdash.reasonConditionsPending":"May mga nakabinbing kundisyon","bdash.reasonNearClosing":"Malapit nang magsara","bdash.reasonStrongProgress":"Malakas na pag-usad","bdash.reasonProgressingNormally":"Normal na umuusad","bdash.communicationTimelineTitle":"Timeline ng Komunikasyon","bdash.recentCount":"{count} kamakailan","bdash.noRecentCommunication":"Walang kamakailang komunikasyon","bdash.timeJustNow":"Ngayon lang","bdash.timeMinsAgo":"{mins} min ang nakalipas","bdash.timeHoursAgo":"{hours} oras ang nakalipas","bdash.timeYesterday":"Kahapon","bdash.timeDaysAgo":"{days} araw ang nakalipas","bdash.timeWeeksAgo":"{weeks} linggo ang nakalipas","bdash.touchpointStatus":"Inilipat ang loan sa {stage}","bdash.touchpointDocument":"Na-upload ang {file}

1","bdash.touchpointWelcomeEmail":"Naipadala ang welcome email","bdash.documentRequestsTitle":"Mga Request sa Dokumento","bdash.docW2":"W-2","bdash.docPayStubs":"Pay Stubs","bdash.docBankStatements":"Bank Statements","bdash.docTaxReturns":"Tax Returns","bdash.docPhotoId":"Photo ID","bdash.docPurchaseAgreement":"Purchase Agreement","bdash.docHoi":"HOI","bdash.missingCount":"{count} kulang","bdash.allDocumentsReceived":"Natanggap ang lahat ng dokumento","bdash.loanCountSingular":"{count} loan","bdash.loanCountPlural":"{count} na loan","bdash.daysPendingShort":"{days} araw","bdash.moreCount":"+{count} pa","bdash.quickMessageTitle":"Mabilis na Mensahe","bdash.recipientLabel":"Tatanggap","bdash.selectRecipientAria":"Piliin ang tatanggap na nanghihiram","bdash.selectBorrowerOption":"Pumili ng nanghihiram...","bdash.channelLabel":"Channel","bdash.channelEmail":"Email","bdash.channelSms":"SMS","bdash.toPrefix":"Para kay: {contact}","bdash.noEmailOnFile":"Walang email na nakatala","bdash.noPhoneOnFile":"Walang telepono na nakatala","bdash.messageLabel":"Mensahe","bdash.emailPlaceholder":"I-type ang iyong mensahe sa email...","bdash.smsPlaceholder":"I-type ang iyong SMS (160 char)...","bdash.sending":"Ipinapadala...","bdash.sent":"Naipadala!","bdash.sendEmail":"Magpadala ng Email","bdash.sendSms":"Magpadala ng SMS","bapply.addr.currentAddress":"Kasalukuyang Address","bapply.addr.streetAddress":"Street Address","bapply.addr.unit":"Unit #","bapply.addr.city":"Lungsod","bapply.addr.state":"Estado","bapply.addr.zipCode":"Zip Code","bapply.addr.country":"Bansa","bapply.addr.housingStatus":"Katayuan sa Pabahay","bapply.addr.housingOwn":"Pag-aari","bapply.addr.housingRent":"Umuupa","bapply.addr.housingRentFree":"Walang Bayad na Tirahan","bapply.addr.yearsAtAddress":"Mga Taon sa Address","bapply.addr.monthsAtAddress":"Mga Buwan sa Address","bapply.addr.monthlyRent":"Buwanang Upa ($)","bapply.gift.removeAria":"Alisin ang regalo o grant {index}","bapply.gift.type":"Uri","bapply.gift.selectType":"Pumili ng uri…","bapply.gift.typeCash":"Cash na Regalo","bapply.gift.typeEquity":"Regalo ng Equity","bapply.gift.typeOther":"Ibang Grant","bapply.gift.source":"Pinagmulan","bapply.gift.selectSource":"Pumili ng pinagmulan…","bapply.gift.sourceRelative":"Kamag-anak","bapply.gift.sourceEmployer":"Employer","bapply.gift.sourceAgency":"Ahensya","bapply.gift.sourceOther":"Iba pa","bapply.gift.amount":"Halaga","bapply.gift.emptyTitle":"Wala pang naidagdag na regalo o grant","bapply.gift.emptyDesc":"Idagdag ang anumang cash na regalo, regalo ng equity, o grant funds na natatanggap mo para sa loan na ito.","bapply.gift.addCta":"Magdagdag ng Regalo/Grant","bapply.gift.addAnother":"Magdagdag ng Isa Pang Regalo o Grant","bapply.nav.cancelEdit":"Kanselahin ang Pag-edit","bapply.nav.previousSection":"Nakaraang Seksyon","bapply.nav.startFreshTitle":"I-clear ang lahat ng field na pre-filled mula sa iyong huling loan","bapply.nav.startFresh":"Magsimula muli","bapply.nav.lastSaved":"Huling na-save: {time}","bapply.nav.saveChanges":"I-save ang mga Pagbabago","bapply.nav.finishExit":"Tapusin at Lumabas","bapply.nav.nextSection":"Susunod na Seksyon","bapply.nav.submitApplication":"Isumite ang Aplikasyon","bapply.nav.saveDraft":"I-save ang Draft","bapply.sidebar.sections":"Mga Seksyon","bapply.topbar.title":"Aplikasyon para sa Loan","bapply.topbar.editTitle":"I-edit ang Aplikasyon para sa Loan","bapply.emp.applicationAdvisor":"Application Advisor","bapply.emp.fixThis":"Ayusin Ito","bapply.emp.emptyTitle":"Wala pang naidagdag na trabaho","bapply.emp.emptyDesc":"Ang mga nagpapautang ay nangangailangan ng hindi bababa sa dalawang taon na kasaysayan ng trabaho. Idagdag muna ang iyong kasalukuyang trabaho, pagkatapos ay ang mga nakaraang trabaho kung kinakailangan.","bapply.emp.addCta":"Magdagdag ng Trabaho","bapply.emp.removeAria":"Alisin ang trabaho {index}","bapply.emp.detailsHeading":"Mga Detalye ng Trabaho","bapply.emp.employerName":"Pangalan ng Employer","bapply.emp.employerPhone":"Telepono ng Employer (opsyonal)","bapply.emp.employerAddress":"Address ng Employer","bapply.emp.employerAddressHint":"(opsyonal \xb7 

1nakakatulong para sa VOE)","bapply.emp.street":"Kalye","bapply.emp.city":"Lungsod","bapply.emp.state":"Estado","bapply.emp.zip":"Zip","bapply.emp.startDate":"Petsa ng Pagsisimula","bapply.emp.endDate":"Petsa ng Pagtatapos","bapply.emp.endDatePlaceholder":"Iwanang blangko kung kasalukuyan","bapply.emp.yearsInLineOfWork":"Mga Taon sa Linyang ito ng Trabaho","bapply.emp.yearsInLineOfWorkPlaceholder":"Kabuuang taon sa karera","bapply.emp.yearsInLineOfWorkHint":"Kabuuang taon sa larangan ng karerang ito sa lahat ng employer (hindi lang sa trabahong ito).","bapply.emp.employmentType":"Uri ng Trabaho","bapply.emp.selfEmployed":"Self-Employed","bapply.emp.ownershipShare":"Bahagi ng Pagmamay-ari (%)","bapply.emp.positionTitle":"Posisyon / Titulo","bapply.emp.yearsOnJob":"Mga Taon sa Trabaho","bapply.emp.monthsOnJob":"Mga Buwan sa Trabaho","bapply.emp.employedByFamily":"Empleyado ng isang miyembro ng pamilya?","bapply.emp.employedByParty":"Empleyado ng isang partido sa transaksyon?","bapply.emp.monthlyIncomeDetails":"Mga Detalye ng Buwanang Kita","bapply.emp.baseSalary":"Base Salary","bapply.emp.overtime":"Overtime","bapply.emp.bonus":"Bonus","bapply.emp.commission":"Komisyon","bapply.emp.military":"Militar","bapply.emp.otherIncome":"Iba pa","bapply.emp.totalMonthlyIncome":"Kabuuang Buwanang Kita:","bapply.asset.toastReplaced":"Pinalitan ang iyong mga entry ng iyong mga bank account.","bapply.asset.toastAddedOne":"Nagdagdag ng 1 account mula sa iyong bangko.","bapply.asset.toastAddedMany":"Nagdagdag ng {count} account mula sa iyong bangko.","bapply.asset.verifyTitle":"I-verify ang Iyong mga Asset","bapply.asset.verifyDesc":"Ligtas na ikonekta ang iyong bangko para awtomatikong i-import ang mga balanse ng iyong account. Walang manu-manong pag-enter na kailangan. Gumagamit kami ng bank-level encryption.","bapply.asset.toastReconnected":"Muling nakakonekta ang bangko — napapanahon na muli ang iyong loan data.","bapply.asset.bankConnected":"Nakakonekta ang bangko","bapply.asset.toastDisconnected":"Naka-disconnect ang bangko. Naalis na ang naka-cache na financial data.","bapply.asset.toastConnected":"Nakakonekta ang bank account — kinukuha ang iyong mga account…","bapply.asset.analysisTitle":"Pagsusuri ng Asset","bapply.asset.fixThis":"Ayusin Ito","bapply.asset.detailsHeading":"Mga Detalye ng Asset","bapply.asset.removeAria":"Alisin ang asset {index}","bapply.asset.accountType":"Uri ng Account","bapply.asset.selectAccountType":"Pumili ng uri ng account…","bapply.asset.typeChecking":"Checking","bapply.asset.typeSavings":"Savings","bapply.asset.typeMoneyMarket":"Money Market","bapply.asset.typeMutualFund":"Mutual Fund","bapply.asset.typeStocks":"Stocks","bapply.asset.typeRetirement":"Retirement (401k, IRA)","bapply.asset.typeOther":"Iba pa","bapply.asset.financialInstitution":"Institusyong Pinansyal","bapply.asset.accountLast4":"Account # (Huling 4)","bapply.asset.cashMarketValue":"Cash / Market Value","bapply.asset.emptyTitle":"Wala pang nakalistang asset","bapply.asset.emptyDesc":"Magdagdag ng mga bank account, retirement, o iba pang financial asset para suportahan ang iyong aplikasyon.","bapply.asset.addCta":"Magdagdag ng Asset","bapply.asset.totalAssets":"Kabuuang Asset:","bapply.liab.debtAnalysis":"Pagsusuri ng Utang","bapply.liab.fixThis":"Ayusin Ito","bapply.liab.removeAria":"Alisin ang liability {index}","bapply.liab.detailsHeading":"Mga Detalye ng Liability","bapply.liab.type":"Uri","bapply.liab.selectType":"Pumili ng uri ng liability…","bapply.liab.typeRevolving":"Revolving (Credit Cards)","bapply.liab.typeInstallment":"Installment (Loans)","bapply.liab.typeLease":"Lease","bapply.liab.typeOther":"Iba pa","bapply.liab.creditorName":"Pangalan ng Creditor","bapply.liab.accountNumber":"Account #","bapply.liab.unpaidBalance":"Kabuuang Hindi Pa Bayad na Balanse","bapply.liab.monthsLeft":"Natitirang Buwan (Opsyonal)","bapply.liab.monthlyPayment":"Buwanang Min. na Bayad","bapply.liab.paidOffAtClosing":"Babayaran nang buo sa pagsasara","bapply.liab.resubordinated":"Resubordinated (magpapayo ang nagpapautang)","bapply.liab.excludedFromDti":"Hindi kasama sa kalkulasyon ng DTI","bapply.liab.emptyTitle":"Wala pang nakalistang liability","bapply.liab.emptyDesc":"Ilista ang iyong mga credit card, loan, at lease. Kung kukunin mo ang iyong credit sa ibaba, awtomatiko itong mapupuno.","bapply.liab.addCta":"Magdagdag ng Liability","bapply.liab.totalBalance":"Kabuuang Balanse:","bapply.liab.totalMonthlyPayments":"Kabuuang Buwanang Bayad:","bapply.re.analysisTitle":"Pagsusuri ng Real Estate","bapply.re.fixThis":"Ayusin Ito","bapply.re.removePropertyAria":"Alisin ang property {index}","bapply.re.detailsHeading":"Mga Detalye ng Property","bapply.re.streetAddress":"Street Address","bapply.re.city":"Lungsod","bapply.re.state":"Estado","bapply.re.zipCode":"Zip Code","bapply.re.propertyValue":"Halaga ng Property","bapply.re.status":"Status","bapply.re.statusRetained":"Pinanatili","bapply.re.statusSold":"Naibenta","bapply.re.statusPending":"Nakabinbin","bapply.re.intendedOccupancy":"Nilalayong Okupasyon","bapply.re.occPrimary":"Pangunahin","bapply.re.occInvestment":"Investment","bapply.re.occSecondHome":"Pangalawang Bahay","bapply.re.monthlyInsuranceTaxesHoa":"Buwanang Insurance, Buwis, HOA","bapply.re.monthlyRentalIncome":"Buwanang Kita sa Upa","bapply.re.mortgageLoansHeading":"Mga Mortgage Loan sa Property na ito","bapply.re.addMortgage":"Magdagdag ng Mortgage","bapply.re.creditorName":"Pangalan ng Creditor","bapply.re.accountNumber":"Account #","bapply.re.balance":"Balanse","bapply.re.payment":"Bayad","bapply.re.loanTypeAria":"Uri ng loan para sa mortgage {mortgage} sa property {property}","bapply.re.typePlaceholder":"Uri…","bapply.re.typeConventional":"Conv","bapply.re.typeOther":"Iba pa","bapply.re.removeMortgageAria":"Alisin ang mortgage {mortgage} mula sa property {property}","bapply.re.noMortgages":"Walang nakalistang mortgage.","bapply.re.emptyTitle":"Wala pang nakalistang property","bapply.re.emptyDesc":"Kung mayroon kang anumang property, idagdag ito dito. OK lang na laktawan ang seksyong ito kung wala kang real estate.","bapply.re.addCta":"Magdagdag ng Property","bapply.re.addAnother":"Magdagdag ng Isa Pang Property","bapply.guest.step1Title":"Sabihin sa amin ang tungkol sa iyo","bapply.guest.step2Title":"Kung ano ang pinopondohan mo","bapply.guest.step3Title":"Ang mga numero (sapat na ang tantya)","bapply.guest.step4Title":"Ang iyong timeline at paano ka makontak","bapply.guest.step5Title":"Ang iyong impormasyon sa pakikipag-ugnayan","bapply.guest.couldNotSave":"Hindi ma-save ({status}

1).","bapply.guest.networkError":"Error sa Network","bapply.guest.backToLanding":"Bumalik sa landing","bapply.guest.preApplicationPill":"Pre-application \xb7 Walang SSN, walang credit pull","bapply.guest.stepCounter":"Hakbang {current} ng {total} \xb7 Direktang madadala ito sa iyong buong aplikasyon — hindi mo na kailangang i-enter muli ang alinman dito.","bapply.guest.continueOrSkip":"Magpatuloy (o laktawan)","bapply.guest.continue":"Magpatuloy","bapply.guest.continueToAccount":"Magpatuloy sa pag-setup ng account","bapply.guest.encryptedFooter":"Naka-encrypt sa isang panandaliang signed cookie. Walang isinusulat sa aming database hanggang sa magawa mo ang iyong account.","bapply.guest.yes":"Oo","bapply.guest.no":"Hindi","bapply.guest.s1WhyTitle":"Tatlong mabilisang tanong na oo/hindi","bapply.guest.s1WhyBodyA":"Itinatanong namin ang mga ito para ","bapply.guest.s1WhyBodyStrong":"ipakita lang sa iyo ang mga programa ng loan na talagang qualified ka","bapply.guest.s1WhyBodyB":". Mga programa para sa first-time buyer, VA loan para sa mga beterano, conventional kontra jumbo — magkakaibang landas depende sa iyong kwento. Laktawan ang alinman sa mga ito; walang nakatali dito.","bapply.guest.s1ApplyingWithAnyone":"Nag-a-apply ka ba kasama ng iba?","bapply.guest.s1JustMe":"Ako lang","bapply.guest.s1Spouse":"Asawa","bapply.guest.s1Partner":"Partner","bapply.guest.s1FamilyFriend":"Pamilya / kaibigan","bapply.guest.s1BoughtBefore":"Nakabili ka na ba ng bahay dati?","bapply.guest.s1BoughtBeforeYes":"Oo, nakabili na ako dati","bapply.guest.s1BoughtBeforeNo":"Hindi, ito ang magiging una ko","bapply.guest.s1Veteran":"Nagsilbi ka na ba sa militar o ikaw ba ay isang beterano?","bapply.guest.s1VeteranHint":"Bina-unlock ang VA loan eligibility — kadalasan 0% down + walang PMI.","bapply.guest.s2WhyTitle":"Saan + anong uri ng property?","bapply.guest.s2WhyBody":"Tinutukoy ng lokasyon ng property ang mga disclosure sa antas ng estado at mga tantya ng buwis. Binabago ng uri ng property ang lender eligibility — halimbawa, ang mga condo ay dumadaan sa project review, ang mga manufactured home ay nangangailangan ng foundation certification, at ang mga multi-unit property ay may magkakaibang panuntunan sa DTI.","bapply.guest.s2LoanPurpose":"Ano ang gagawin mo sa loan na ito?","bapply.guest.s2PurposeBuying":"Bumili ng bahay","bapply.guest.s2PurposeRefiRate":"Refi — mas magandang rate","bapply.guest.s2PurposeRefiCash":"Refi — kumuha ng cash","bapply.guest.s2Occupancy":"Paano mo gagamitin ang property?","bapply.guest.s2OccPrimary":"Pangunahing tirahan","bapply.guest.s2OccSecond":"Pangalawang bahay","bapply.guest.s2OccInvestment":"Investment","bapply.guest.s2PropertyType":"Uri ng property","bapply.guest.s2TypeSingleFamily":"Single family","bapply.guest.s2TypeCondo":"Condo","bapply.guest.s2TypeMultiUnit":"2-4 units","bapply.guest.s2TypeManufactured":"Manufactured","bapply.guest.s2StreetAddress":"Street address ng property","bapply.guest.s2StreetPlaceholder":"123 Main St","bapply.guest.s2City":"Lungsod","bapply.guest.s2State":"Estado","bapply.guest.s2StateHint":"2 letra","bapply.guest.s2Zip":"ZIP","bapply.guest.s3WhyTitle":"Isang tantyang quote — darating mamaya ang eksaktong numero","bapply.guest.s3WhyBodyA":"Ginagamit namin ang mga ito para","bapply.guest.s3WhyBodyStrong":"ipakita sa iyo ang makatotohanang interest rate at tantya ng buwanang bayad","bapply.guest.s3WhyBodyB":"sa susunod na pahina. Huwag mag-alala kung mali ka nang ilang libo — pino-pino namin ang lahat kapag ginawa mo ang buong aplikasyon.","bapply.guest.s3PropertyValue":"Tantyang halaga ng property ($)","bapply.guest.s3PropertyValueHint":"Kung magkano sa tingin mo ang halaga nito.","bapply.guest.s3LoanAmount":"Tantyang halaga ng loan ($)","bapply.guest.s3LoanAmountHint":"Kung magkano ang hihiramin mo.","bapply.guest.s3ImpliedLtv":"Implied LTV","bapply.guest.s3ImpliedDownPayment":"Implied down payment","bapply.guest.s3DownPaymentSource":"Saan manggagaling ang down payment?","bapply.guest.s3DownPaymentSourceHint":"Opsyonal — nakakatulong lang ito sa amin na i-ruta sa tamang loan products.","bapply.guest.s3DpSavings":"Savings","bapply.guest.s3DpGift":"Regalo","bapply.guest.s3DpSaleOfHome":"Pagbebenta ng bahay","bapply.guest.s3DpRetirement":"401(k) / IRA","bapply.guest.s3DpOther":"Iba pa","bapply.guest.s4WhyTitle":"Para makapagplano ang iyong broker ayon sa iyo","bapply.guest.s4WhyBodyA":"Ang iyong timeline ang nagsasabi sa amin kung gaano kalakas itulak ang file.","bapply.guest.s4WhyShopping":"Nagtatanong-tanong lang?","bapply.guest.s4WhyBodyB":"Magpapadala kami ng rate alerts at hindi ka namin gagambalain.","bapply.guest.s4WhyAsap":"Sa lalong madaling panahon?","bapply.guest.s4WhyBodyC":"Mauuna ang iyong file at magtatrabaho kami nang gabi para maabot ang iyong closing date.","bapply.guest.s4ClosingTimeline":"Kailan mo inaasahang isasara?","bapply.guest.s4Days3060":"30-60 araw","bapply.guest.s4Days6090":"60-90 araw","bapply.guest.s4Days90plus":"90+ araw","bapply.guest.s4JustShopping":"Nagtatanong-tanong lang","bapply.guest.s4ContactMethod":"Paano dapat makipag-ugnayan sa iyo ang iyong broker?","bapply.guest.s4EmailOnly":"Email lang","bapply.guest.s4PhoneCalls":"Tawag sa telepono","bapply.guest.s4EitherFine":"Alinman ay OK","bapply.guest.s4BestTime":"Pinakamainam na oras ng araw para sa tawag / pagsagot","bapply.guest.s4Morning":"Umaga","bapply.guest.s4Afternoon":"Hapon","bapply.guest.s4Evening":"Gabi","bapply.guest.s4Anytime":"Kahit kailan","bapply.guest.s5WhyTitle":"Huling bagay — paano ka n

1amin makontak?","bapply.guest.s5WhyBodyA":"Sapat na para mag-follow up. Ang iyong pangalan, isang email para sa verification link, at isang telepono kung sinabi mong gusto mo ng tawag.","bapply.guest.s5WhyBodyStrong":"Hindi kami magpapatakbo ng credit, hindi namin ibabahagi ang iyong impormasyon, at hindi ka namin papadalhan ng marketing junk.","bapply.guest.s5FirstName":"Pangalan","bapply.guest.s5LastName":"Apelyido","bapply.guest.s5Email":"Email","bapply.guest.s5EmailHint":"Ipapadala namin dito ang iyong account-setup link.","bapply.guest.s5Phone":"Telepono","bapply.guest.s5PhoneOptional":"Telepono (opsyonal)","bapply.guest.s5PhoneHintRequired":"Sinabi mong gusto mo ng tawag — kailangan namin ng numero.","bapply.guest.s5PhoneHintOptional":"Ginagamit lang kung kailangan kang makontak ng iyong broker.","bapply.step1.scanLicense":"I-scan ang Driver's License","bapply.step1.fastMobileAuth":"Mabilis na Mobile Auth","bapply.step1.manualEntryToast":"Nagpapatuloy sa manu-manong pag-enter.","bapply.step1.identityVerifiedToast":"Na-verify ang Identity! Matagumpay na na-pre-fill ang 1003.","bapply.step1.aamvaReviewToast":"Na-pre-fill namin ang kaya mula sa iyong ID — pakisuri muli ang mga naka-highlight na field.","bapply.step1.aamvaVerifiedToast":"Na-verify ang Driver's License — na-pre-fill ang data.","bapply.step1.headerTitle":"Impormasyon ng Nanghihiram","bapply.step1.headerDesc":"Sabihin sa amin ang tungkol sa iyo — pangalan, contact info, at kung saan ka nakatira.","bapply.step1.autofillTitle":"Na-pre-fill mula sa iyong huling loan.","bapply.step1.autofillBodyA":"Ang mga field na may marka","bapply.step1.autofillBadge":"Huling loan","bapply.step1.autofillBodyB":"ay awtomatikong kinopya. I-edit ang anumang field para i-update ito, o gamitin ang “Magsimula muli” sa footer.","bapply.step1.firstName":"Pangalan","bapply.step1.middleName":"Gitnang Pangalan","bapply.step1.noMiddleName":"Wala akong gitnang pangalan (o wala ito sa aking ID)","bapply.step1.lastName":"Apelyido","bapply.step1.suffix":"Suffix (opsyonal \xb7 Jr, Sr, III, atbp.)","bapply.step1.alternateNames":"Mga Alternatibong Pangalan (opsyonal \xb7 mga pangalang ginamit mo dati)","bapply.step1.alternateNamesPlaceholder":"hal. maiden name","bapply.step1.email":"Email","bapply.step1.cellPhone":"Cell Phone","bapply.step1.homePhone":"Home Phone (opsyonal)","bapply.step1.workPhone":"Work Phone (opsyonal)","bapply.step1.dateOfBirth":"Petsa ng Kapanganakan","bapply.step1.dobHint":"Kinakailangan ng pederal na regulasyon sa pagpapautang para i-verify ang iyong identity.","bapply.step1.ssn":"Social Security Number","bapply.step1.ssnHint":"Ginagamit namin ito para kunin ang iyong credit report. Ipinapadala sa pamamagitan ng TLS at hindi kailanman ibinebenta.","bapply.step1.maritalStatus":"Katayuan sa Pag-aasawa","bapply.step1.required":"* Kinakailangan","bapply.step1.maritalMarried":"May Asawa","bapply.step1.maritalSeparated":"Hiwalay","bapply.step1.maritalUnmarriedLong":"Walang Asawa (Walang Asawa, Diborsyado, Balo)","bapply.step1.citizenship":"Pagkamamamayan","bapply.step1.citizenUs":"Mamamayan ng U.S.","bapply.step1.citizenPermanent":"Permanent Resident Alien","bapply.step1.citizenNonPermanent":"Non-Permanent Resident Alien","bapply.step1.currentAddress":"Kasalukuyang Address","bapply.step2.headerTitle":"Impormasyon sa Trabaho","bapply.step2.headerDesc":"Sabihin sa amin ang iyong kasaysayan ng trabaho sa nakaraang dalawang taon. Isama ang lahat ng trabaho, kahit part-time.","bapply.step2.autofillTitle":"Na-pre-fill ang trabaho mula sa iyong huling loan.","bapply.step2.autofillBody":"I-update ang anumang field kung nagbago ang iyong sitwasyon.","bapply.step3.headerTitle":"Impormasyong Pinansyal — Mga Asset","bapply.step3.headerDesc":"Ilista ang iyong mga bank account, retirement account, at iba pang financial asset.","bapply.step3.giftsTitle":"Mga Regalo o Grant","bapply.step3.giftsDesc":"Mga regalo o grant na natanggap mo na o matatanggap mo para sa loan na ito.","bapply.step4.pullSuccessToast":"Matagumpay na nakuha ang Factual Data Tri-Merge! Score: {score}","bapply.step4.pullFailToast":"Nabigong kunin ang credit","bapply.step4.pullNetworkErrorToast":"Error sa network sa pakikipag-ugnayan sa Factual Data.","bapply.step4.creditVerified":"Na-verify ang Credit: {score}","bapply.step4.pullingCredit":"Kinukuha ang Credit…","bapply.step4.pullCredit":"Kunin ang Credit sa pamamagitan ng Factual Data","bapply.step4.headerTitle":"Impormasyong Pinansyal — Mga Liability","bapply.step4.headerDesc":"Ilista ang iyong mga credit card, loan, lease, at anumang iba pang buwanang obligasyon sa utang.","bapply.step5.headerTitle":"Impormasyong Pinansyal — Real Estate","bapply.step5.headerDesc":"Ilista ang anumang property na pag-aari mo ngayon, kasama ang address, tantyang halaga, at anumang mortgage dito.","bapply.step6.headerTitle":"Impormasyon ng Loan at Property","bapply.step6.headerDesc":"Sabihin sa amin ang tungkol sa property na binibili o nire-refinance mo at kung magkano ang gusto mong hiramin.","bapply.step6.loanAnalysis":"Pagsusuri ng Loan","bapply.step6.fixThis":"Ayusin Ito","bapply.step6.loanAmount":"Halaga ng Loan","bapply.step6.propertyValue":"Halaga ng Property (Tantya)","bapply.step6.loanPurpose":"Layunin ng Lo

1an","bapply.step6.purposePurchase":"Pagbili","bapply.step6.purposeRefinance":"Refinance","bapply.step6.purposeOther":"Iba pa","bapply.step6.propertyType":"Uri ng Property","bapply.step6.ptSingleFamily":"Single Family","bapply.step6.ptCondo":"Condo","bapply.step6.ptTownhouse":"Townhouse","bapply.step6.ptMultiFamily":"Multi-Family","bapply.step6.ptOther":"Iba pa","bapply.step6.occupancy":"Okupasyon","bapply.step6.occPrimary":"Pangunahing Tirahan","bapply.step6.occSecond":"Pangalawang Bahay","bapply.step6.occInvestment":"Investment Property","bapply.step6.occFhaSecondary":"FHA Secondary Residence","bapply.step6.subjectPropertyAddress":"Address ng Subject Property","bapply.step6.streetAddress":"Street Address","bapply.step6.city":"Lungsod","bapply.step6.state":"Estado","bapply.step6.zipCode":"Zip Code","bapply.step6.mixedUse":"Mixed-Use Property","bapply.step6.manufacturedHome":"Manufactured Home","bapply.step6.firstTimeHomebuyer":"First-Time Homebuyer","bapply.step6.subordinateFinancing":"Subordinate Financing (opsyonal)","bapply.step6.leaveBlankIfNone":"Iwanang blangko kung wala","bapply.step6.estimatedRentalIncome":"Tantyang Buwanang Kita sa Upa (opsyonal)","bapply.step6.leaveBlankIfNotRental":"Iwanang blangko kung hindi pinaparenta","bapply.step6.hoaDues":"Buwanang HOA Dues (opsyonal)","bapply.step6.leaveBlankIfNoHoa":"Iwanang blangko kung walang HOA","bapply.step6.refiTypeLabel":"Anong uri ng refinance?","bapply.step6.refiRateTerm":"Rate/term","bapply.step6.refiRateTermDesc":"Babaan ang rate o baguhin ang term ko","bapply.step6.refiCashOut":"Cash-out","bapply.step6.refiCashOutDesc":"Kumuha ng cash mula sa equity ko","bapply.step6.cashOutAmount":"Mga magkano ang cash na gusto mong kunin?","bapply.step6.unitCountLabel":"Ilang unit ang property?","bapply.step6.unitCount2":"2 unit","bapply.step6.unitCount3":"3 unit","bapply.step6.unitCount4":"4 unit","bapply.step6.ownershipDetails":"Mga detalye ng pagmamay-ari ng property","bapply.step6.ownershipOptional":"Opsyonal — maaaring kumpletuhin ito ng iyong broker sa ibang pagkakataon","bapply.step6.estateType":"Paano mo hahawakan ang property?","bapply.step6.estateFeeSimple":"Fee simple","bapply.step6.estateFeeSimpleDesc":"Pinakakaraniwan — pagmamay-ari mo ang bahay at ang lupa","bapply.step6.estateLeasehold":"Leasehold","bapply.step6.estateLeaseholdDesc":"Pagmamay-ari mo ang bahay pero inuupahan ang lupa","bapply.step6.titleManner":"Paano hahawakan ang titulo?","bapply.step6.titleSole":"Sole ownership","bapply.step6.titleJoint":"Joint tenants","bapply.step6.titleCommon":"Tenants in common","bapply.step6.titleCommunity":"Community property","bapply.step6.titleUnsureHint":"Hindi sigurado? Laktawan ito — maaari itong pagpasyahan kasama ang iyong broker mamaya.","bapply.step7.headerTitle":"Mga Deklarasyon","bapply.step7.headerDesc":"Sagutin ang bawat tanong ayon sa iyong sitwasyon. Ito ang mga karaniwang tanong na kinakailangan sa bawat aplikasyon ng mortgage.","bapply.step7.importantDeclarations":"Mahahalagang Deklarasyon","bapply.step7.whyWeAsk":"Bakit namin tinatanong \xb7 buong teksto","bapply.step7.answerForAria":"Sagot para sa: {question}","bapply.step7.yes":"Oo","bapply.step7.no":"Hindi","bapply.step7.bankruptcyType":"Uri ng Bankruptcy","bapply.step7.selectType":"Pumili ng Uri","bapply.step7.explanationLabel":'Paliwanag para sa anumang sagot na "Oo" (Opsyonal)',"bapply.step7.explanationPlaceholder":"Pakibigay ang mga detalye para sa anumang deklarasyong may marka na 'Oo'... (o i-tap ang mic para magdikta)","bapply.step7.q_a_label":"A. Ito ba ang magiging pangunahing tahanan mo?","bapply.step7.q_a_full":"Titirahan mo ba ang property bilang iyong pangunahing tirahan?","bapply.step7.q_b_label":"B. May kaugnayan ka ba o nakikipagnegosyo sa nagbebenta?","bapply.step7.q_b_full":"May relasyong pampamilya ka ba o business affiliation sa nagbebenta ng property?","bapply.step7.q_c_label":"C. Humihiram ng pera para sa closing o down payment mula sa taong hindi nakalista dito?","bapply.step7.q_c_full":"Humihiram ka ba ng anumang pera para sa transaksyong real estate na ito (hal., pera para sa iyong closing costs o down payment) o kumukuha ng anumang pera mula sa ibang partido, tulad ng nagbebenta o realtor, na hindi mo na-disclose sa loan application na ito?","bapply.step7.q_d_label":"D. Nag-a-apply ng ibang mortgage sa ibang lugar bago magsara ang isang ito?","bapply.step7.q_d_full":"Nag-apply ka na ba o mag-a-apply ka ba ng mortgage loan sa ibang property (hindi ang property na sumisiguro sa loan na ito) sa o bago magsara ang transaksyong ito na hindi na-disclose sa loan application na ito?","bapply.step7.q_e_label":"E. Nag-a-apply ng anumang bagong credit (card, loan, atbp.) bago magsara ang loan na ito?","bapply.step7.q_e_full":"Nag-apply ka na ba o mag-a-apply ka ba ng anumang bagong credit (hal., installment loan, credit card, atbp.) sa o bago magsara ang loan na ito na hindi na-disclose sa aplikasyong ito?","bapply.step7.q_f_label":"F. May iba pang lien ba na mauuna sa bagong mortgage?","bapply.step7.q_f_full":"Sasailalim ba ang property na ito sa lien na maaaring mauna sa first mortgage lien?","bapply.step7.q_g_label":"G. Co-signer o guarantor ka ba sa anumang utang na hindi nakalista dito?","bapply.step7.q_g_full":"Co-signer o guarantor ka ba sa anumang utang o loan na hindi na-disclose sa aplikasyong ito?","bapply.step7.q_h_label":"H. May anumang natitirang hatol ng korte laban sa iyo?","bapply.step7.q_i_label":"I. Atrasado sa isang pederal na utang (buwis, student loan, SBA, atbp.)?","bapply.step7.q_i_full":"Kasalukuyan ka bang delinquent o nasa default sa isang pederal na utang?","bapply.step7.q_j_label":"J. Kasangkot sa isang demanda kung saan maaaring may utang ka?","bapply.step7.q_j_full":"Kasangkot ka ba sa isang demanda kung saan maaaring may personal na pananagutang pinansyal ka?","bapply.step7.q_k_label":"K. Nagbigay ng property kapalit ng foreclosure sa nakaraang 7 taon?","bapply.step7.q_k_full":"Naglipat ka ba ng title ng anumang property kapalit ng foreclosure sa nakaraang 7 taon?","bapply.step7.q_l_label":"L. Nag-file ng bankruptcy sa nakaraang 7 taon?","bapply.step7.q_l_full":"Nagdeklara ka ba ng bankruptcy sa loob ng nakaraang 7 taon?","bapply.step8.headerTitle":"Mga Pag-amin at Kasunduan","bapply.step8.headerDesc":"Suriin ang mga pahayag sa ibaba at lagyan ng check ang kahon para kumpirmahin ang iyong pagsang-ayon bago magpatuloy.","bapply.step8.intro":"Sumasang-ayon, umaamin, at kinakatawan ko ang sumusunod:","bapply.step8.p1Label":"(1) Ang Kumpletong Impormasyon para sa Aplikasyong ito:","bapply.step8.p1Body":"Ang impormasyong ibinigay ko sa aplikasyong ito ay totoo, tumpak, at kumpleto sa petsa ng paglagda ko sa aplikasyong ito. Maaari kayong umasa sa impormasyong ito sa pagpapasya kung aaprubahan ang aplikasyong ito.","bapply.step8.p2Label":"(2) Ang Security ng Property:","bapply.step8.p2Body":"Ang Loan na inaplayan ko ay sisiguruhin ng isang mortgage o deed of trust na nagbibigay sa Nagpapautang ng security interest sa property na inilarawan sa aplikasyong ito.","bapply.step8.p3Label":"(3) Ang Appraisal, Halaga, at Kondisyon ng Property:","bapply.step8.p3Body":"Ang anumang appraisal o halaga ng property na nakuha ninyo ay para sa paggamit ninyo at ng ibang Loan Participants. Hindi ako umasa sa anumang appraisal o halaga ng property na nakuha ninyo.","bapply.step8.p4Label":"(4) Mga Electronic Record at Pirma:","bapply.step8.p4Body":"Sumasang-ayon akong tumanggap at pumirma ng mga dokumento nang elektroniko.","bapply.step8.p5Label":"(5) Delinquency:","bapply.step8.p5Body":"Maaaring iulat ng Nagpapautang ang impormasyon tungkol sa aking account sa mga credit bureau. Ang mga huling bayad, hindi nabayarang bayad, o iba pang default sa aking account ay maaaring makita sa aking credit report.","bapply.step8.p6Label":"(6) Paggamit ng Impormasyon:","bapply.step8.p6Body":"Pinahihintulutan ko ang Nagpapautang na i-verify ang impormasyong ibinigay ko.","bapply.step8.agreeCheckbox":"Sumasang-ayon ako sa mga pag-amin sa itaas at pumapayag sa mga electronic signature.","bapply.step9.militaryTitle":"Serbisyong Militar","bapply.step9.militaryDesc":"Kung nagsilbi ka sa U.S. Armed Forces, maaari kang maging qualified para sa VA loan na walang down payment.","bapply.step9.militaryQuestion":"Ikaw ba (o ang iyong namatay na asawa) ay nagsilbi na, o kasalukuyang nagsisilbi, sa United States Armed Forces?","bapply.step9.militaryAria":"Serbisyong militar: Oo o Hindi","bapply.step9.yes":"Oo","bapply.step9.no":"Hindi","bapply.step9.checkAllApply":"I-check ang lahat ng naaangkop:","bapply.step9.activeDuty":"Kasalukuyang nagsisilbi sa active duty","bapply.step9.survivingSpouse":"Nabubuhay na asawa","bapply.step9.demographicTitle":"Impormasyong Demograpiko","bapply.step9.demographicDesc":"Kinakailangan ng pederal para sa pag-uulat ng Home Mortgage Disclosure Act (HMDA). Opsyonal ang pagsagot — hindi makaaapekto sa iyong aplikasyon ang pagtanggi.","bapply.step9.ethnicity":"Etnisidad","bapply.step9.pickOne":"\xb7 Pumili ng isa (OK lang tumanggi)","bapply.step9.hmdaHelper":"Kinakailangan ng pederal para sa pag-uulat ng HMDA. Hindi makaaapekto sa iyong aplikasyon ang pagtanggi.","bapply.step9.hmdaHelperRace":"Kinakailangan ng pederal para sa pag-uulat ng HMDA. Piliin ang lahat ng naaangkop. Hindi makaaapekto sa iyong aplikasyon ang pagtanggi.","bapply.step9.ethHispanic":"His

1panic o Latino","bapply.step9.ethNotHispanic":"Hindi Hispanic o Latino","bapply.step9.refuse":"Ayaw kong ibigay ang impormasyong ito","bapply.step9.ethSubMexican":"Mexican","bapply.step9.ethSubPuertoRican":"Puerto Rican","bapply.step9.ethSubCuban":"Cuban","bapply.step9.ethSubOther":"Ibang Hispanic o Latino","bapply.step9.enterOrigin":"Ilagay ang pinagmulan","bapply.step9.sex":"Kasarian","bapply.step9.sexMale":"Lalaki","bapply.step9.sexFemale":"Babae","bapply.step9.race":"Lahi","bapply.step9.race_americanIndianOrAlaskaNative":"American Indian o Alaska Native","bapply.step9.race_asian":"Asian","bapply.step9.race_blackOrAfricanAmerican":"Black o African American","bapply.step9.race_nativeHawaiianOrOtherPacificIslander":"Native Hawaiian o Iba Pang Pacific Islander","bapply.step9.race_white":"White","bapply.step9.race_refuse":"Ayaw kong ibigay ang impormasyong ito","bapply.step9.raceSub_asianIndian":"Asian Indian","bapply.step9.raceSub_chinese":"Chinese","bapply.step9.raceSub_filipino":"Filipino","bapply.step9.raceSub_japanese":"Japanese","bapply.step9.raceSub_korean":"Korean","bapply.step9.raceSub_vietnamese":"Vietnamese","bapply.step9.raceSub_otherAsian":"Ibang Asian","bapply.step9.raceSub_nativeHawaiian":"Native Hawaiian","bapply.step9.raceSub_guamanianOrChamorro":"Guamanian o Chamorro","bapply.step9.raceSub_samoan":"Samoan","bapply.step9.raceSub_otherPacificIslander":"Ibang Pacific Islander","bapply.step9.enterTribe":"Ilagay ang pangalan ng enrolled o principal na tribo","bapply.step9.loanOriginatorTitle":"Impormasyon ng Loan Originator","bapply.step9.loanOriginatorBody":"Ang iyong broker at itinalagang loan officer ang magpupuno sa seksyong ito bago ibigay ang iyong mga pangwakas na disclosure. Makikita mo ang kanilang buong pangalan, mga NMLS ID, at detalye ng pakikipag-ugnayan sa bawat disclosure document na matatanggap mo.","bapply.step10.headerTitle":"Pangwakas na Pagsusuri at Pagsang-ayon","bapply.step10.headerDesc":"Halos tapos ka na. Suriin at tanggapin ang mga disclosure sa ibaba para isumite ang iyong aplikasyon.","bapply.page.autosaveEditing":"Nag-e-edit…","bapply.page.autosaveSaving":"Nagse-save…","bapply.page.autosaveSaved":"Na-save","bapply.page.autosaveFailed":"Nabigo ang pag-save","bapply.page.step_borrower_label":"Nanghihiram","bapply.page.step_borrower_short":"Info","bapply.page.step_employment_label":"Trabaho","bapply.page.step_employment_short":"Trabaho","bapply.page.step_assets_label":"Mga Asset","bapply.page.step_assets_short":"Mga Asset","bapply.page.step_liabilities_label":"Mga Liability","bapply.page.step_liabilities_short":"Mga Utang","bapply.page.step_realEstate_label":"Real Estate","bapply.page.step_realEstate_short":"RE","bapply.page.step_loanProperty_label":"Loan at Property","bapply.page.step_loanProperty_short":"Loan","bapply.page.step_transactionTeam_label":"Transaction Team","bapply.page.step_transactionTeam_short":"Team","bapply.page.step_declarations_label":"Mga Deklarasyon","bapply.page.step_declarations_short":"Decl.","bapply.page.step_agreements_label":"Mga Kasunduan","bapply.page.step_agreements_short":"Sang-ayon","bapply.page.step_militaryDemo_label":"Militar at Demo","bapply.page.step_militaryDemo_short":"Mil.","bapply.page.step_consent_label":"Pagsang-ayon","bapply.page.step_consent_short":"Final","bapply.page.fieldUpdatedAi":"Na-update ang field mula sa suhestyon ng AI.","bapply.page.saveTimeout":"Mas matagal ang pag-save kaysa inaasahan — maaaring hindi na-save ang iyong huling pagbabago. I-refresh para kumpirmahin.","bapply.page.consentRequiredTitle":"Kailangan ng Pagsang-ayon","bapply.page.consentRequiredMsg":"Dapat mong tanggapin ang lahat ng terms at disclosure para magpatuloy.","bapply.page.fixIt":"Ayusin ito","bapply.page.noBorrowerId":"Error: Walang nahanap na borrower ID. Pakilog-in muli.","bapply.page.savingChanges":"Sine-save ang mga pagbabago...","bapply.page.submittingApplication":"Isinusumite ang aplikasyon...","bapply.page.pleaseComplete":"Pakikumpleto ang sumusunod:\n{items}","bapply.page.actionRequiredTitle":"Kailangan ng Aksyon","bapply.page.outstandingConditions":"May natitira kang mga kundisyon na dapat lutasin.","bapply.page.loanNotFound":"Error: Hindi mahanap ang loan na ia-update. Pakisubukan muli.","bapply.page.savedAt":"Matagumpay na na-save noong {time}","bapply.page.applicationSubmitted":"Naisumite ang Aplikasyon! Nire-redirect sa dashboard...","bapply.page.submitErrorPrefixed":"Error: {error}. Pakisubukan muli.","bapply.page.submitFailedDefault":"Nabigong isumite ang aplikasyon","bapply.page.networkError":"Nagkaroon ng network error. Pakisuri ang iyong koneksyon at subukan muli.","bapply.page.docUpdated1003":"Na-update ang 1003 mula sa iyong dokumento.","bapply.page.sectionComingSoon":"Malapit nang dumating ang Seksyon {step}...","bapply.page.saveFailedBanner":"Nabigo ang pag-save","bapply.page.retry":"Subukan muli","bapply.page.dismissError":"I-dismiss ang error","bapply.page.walkMeThrough":"Gabayan mo ako sa hakbang na ito","bapply.page.missingDataTitle":"Babala sa Kulang na Data","bapply.page.missingDataDesc":"May ilang kinakailangang field na hindi kumpleto o may error. Maaari kang bumalik at ayusin ang mga ito ngayon, o isumite ang nasa kasalukuyan — ngunit maaaring antalahin ng hindi kumpletong aplikasyon ang iyong pag-apruba.","bapply.page.goBackFix":"Bumalik at Ayusin","bapply.page.submitAnyway":"Isumite pa rin","bapply.page.saveFirst":"I-save muna ang iyong aplikasyon","bloan.backToDashboard":"Bumalik sa dashboard","bloan.loanNotFound":"Hindi natagpuan ang loan","bloan.loanNotFoundOrNoAccess":"Hindi umiiral ang loan na ito o wala kang access.","bloan.notFoundTitle":"Hindi natagpuan","bloan.loanNotExistOrNoAccess":"Hindi umiiral ang loan na ito o wala kang access.","bloan.forbiddenTitle":"Ipinagbabawal","bloan.viewOwnLoansOnly":"Maaari mo lamang tingnan ang sarili mong mga loan.","bloan.openInNewTab":"Buksan sa bagong tab","bloan.download":"I-download","bloan.notAvailable":"Hindi available","bloan.reviewedBadge":"Nasuri na","bloan.versionLabel":"Bersyon {version}","bloan.issuedOn":"Inisyu {date}","bloan.viewedOn":"Tiningnan {date}","bloan.previousVersions":"Mga nakaraang bersyon ({count})","bloan.fromLabel":"Mula sa","bloan.exploreTitle":"Tuklasin ang mga Opsyon ng Loan","bloan.exploreSubtitle":"Ikaw man ay first-time homebuyer, beterano, o real estate investor, mayroon kaming perpektong solusyon sa financing na n

1akaangkop sa iyong mga layunin.","bloan.exploreHint":"Piliin ang programang akma sa iyong sitwasyon — walang naka-lock. Maaari mong i-fine-tune ang mga detalye (at magpalit ng programa kasama ang iyong loan officer) sa susunod na hakbang.","bloan.mostPopular":"Pinakasikat","bloan.bestForLabel":"Pinakamainam para sa:","bloan.applyForThisLoan":"Mag-apply para sa loan na ito","bloan.notSureTitle":"Hindi sigurado kung aling loan ang tama para sa iyo?","bloan.notSureBody":"Gamitin ang aming AI-powered intelligent matching system para mahanap ang perpektong programa ng loan batay sa iyong financial profile sa ilang segundo.","bloan.getMatched":"Maghanap ng Tugma","bloan.useCalculator":"Gamitin ang Calculator","bloan.type_conventional_title":"Conventional Loan","bloan.type_conventional_desc":"Ang karaniwang pagpipilian para sa karamihan ng mga homebuyer na may magandang credit.","bloan.type_conventional_bestFor":"Mga nanghihiram na may credit score na 620+.","bloan.type_conventional_benefit1":"Flexible na termino (10-30 taon)","bloan.type_conventional_benefit2":"Mababang down payment na mga opsyon (mula 3%)","bloan.type_conventional_benefit3":"Walang upfront na bayad sa mortgage insurance","bloan.type_fha_title":"FHA Loan","bloan.type_fha_desc":"Mga loan na suportado ng gobyerno na idinisenyo para sa mga nanghihiram na may mababa hanggang katamtamang kita.","bloan.type_fha_bestFor":"First-time buyers o mga may mas mababang credit score.","bloan.type_fha_benefit1":"Tinatanggap ang mas mababang credit score (580+)","bloan.type_fha_benefit2":"Mababang down payment (3.5%)","bloan.type_fha_benefit3":"Mas flexible na mga limitasyon sa DTI","bloan.type_va_title":"VA Loan","bloan.type_va_desc":"Eksklusibong benepisyo para sa mga beterano, aktibong-tungkulin na miyembro ng serbisyo, at karapat-dapat na nabubuhay na asawa.","bloan.type_va_bestFor":"Mga miyembro ng militar at beterano.","bloan.type_va_benefit1":"$0 down payment ang kailangan","bloan.type_va_benefit2":"Walang private mortgage insurance (PMI)","bloan.type_va_benefit3":"Mapagkumpitensyang interest rate","bloan.type_jumbo_title":"Jumbo Loan","bloan.type_jumbo_desc":"Financing para sa mga luxury property at bahay sa highly competitive na real estate markets.","bloan.type_jumbo_bestFor":"Mga bumibili ng luxury o mataas na halagang bahay.","bloan.type_jumbo_benefit1":"Halaga ng loan na lumalampas sa conforming limits","bloan.type_jumbo_benefit2":"Fixed o adjustable na rate","bloan.type_jumbo_benefit3":"Halaga ng loan hanggang $3M+","bloan.type_usda_title":"USDA Loan","bloan.type_usda_desc":"Mga mortgage na walang down payment para sa mga homebuyer sa rural at suburban.","bloan.type_usda_bestFor":"Mga bumibili sa itinakdang rural o suburban na lugar.","bloan.type_usda_benefit1":"$0 down payment","bloan.type_usda_benefit2":"Below-market na mortgage rates","bloan.type_usda_benefit3":"Mababang gastos sa mortgage insurance","bloan.type_dscr_title":"DSCR Investment Loan","bloan.type_dscr_desc":"Mga Debt Service Coverage Ratio (DSCR) loan para sa real estate investors na gumagamit ng rental income para mag-qualify.","bloan.type_dscr_bestFor":"Mga real estate investor at property flipper.","bloan.type_dscr_benefit1":"Walang kinakailangang personal income verification","bloan.type_dscr_benefit2":"Mag-qualify batay sa cash flow ng property","bloan.type_dscr_benefit3":"Magsara gamit ang isang LLC","bloan.intentReceivedTitle":"Natanggap ang intensyon na magpatuloy","bloan.intentRecordedAt":"Naitala {when}. Ang iyong loan officer ay maaari na ngayong mag-collect ng appraisal at iba pang third-party na bayad.","bloan.intentCtaTitle":"Ipahayag ang iyong intensyon na magpatuloy","bloan.intentCtaBodyBefore":"Kapag nasuri mo na ang Loan Estimate na ito at gusto mong magpatuloy sa loan, i-click sa ibaba upang ipaalam sa iyong loan officer.","bloan.intentCtaBodyEmphasis":"Hindi ito isang pangako na kunin ang loan.","bloan.intentCtaBodyAfter":"Pinapahintulutan lamang nito sila na magsimulang mag-order ng mga serbisyo tulad ng appraisal.","bloan.intentCtaFeeNote":"Hangga't hindi mo ipinahahayag ang intensyon, hindi ka maaaring singilin ng iyong nagpapautang ng mga bayarin maliban sa singil para sa credit report.","bloan.intentRecording":"Itinatala…","bloan.intentButton":"Balak kong magpatuloy","bloan.exitFullscreen":"Lumabas sa fullscreen","bloan.openFullscreen":"Buksan sa fullscreen","bloan.exitFullscreenEsc":"Lumabas sa fullscreen (Esc)","bloan.helpChatFooter"

1:"Maaaring sagutin ng Breeze ang mga pangkalahatang tanong. Para sa lender-specific o legal na payo, makipag-ugnayan sa iyong loan officer.","bloan.leHelpTitle":"Magtanong sa Breeze tungkol sa iyong Loan Estimate","bloan.leHelpSubtitle":"Mga sagot tungkol sa disclosures, fees, intent to proceed, at timing ng TRID.","bloan.leHelpWelcome":"May tanong ka ba tungkol sa iyong Loan Estimate? Magtanong ng kahit ano — kung ano ang ibig sabihin ng mga fee, paano itinakda ang rate, kung ano ang mangyayari pagkatapos mong ipahayag ang intensyon.","bloan.leHelpWelcomeBroker":"May tanong ka ba tungkol sa iyong Loan Estimate mula kay {broker}? Magtanong ng kahit ano — kung ano ang ibig sabihin ng mga fee, paano itinakda ang rate, kung ano ang mangyayari pagkatapos mong ipahayag ang intensyon.","bloan.leSuggestWhatIs":"Ano ang Loan Estimate?","bloan.leSuggestWhyGetting":"Bakit ko ito natatanggap?","bloan.leSuggestIntentMeaning":'Ano ang ibig sabihin ng "Intent to Proceed"?',"bloan.leSuggestNewVersion":"Paano kung mag-isyu ng bagong bersyon?","bloan.leSuggestFeesBeforeIntent":"Anong mga fee ang maaaring singilin ng aking nagpapautang bago ko ipahayag ang intensyon?","bloan.leSuggestRateValid":"Gaano katagal valid ang rate na ito?","bloan.cdHelpTitle":"Magtanong sa Breeze tungkol sa iyong Closing Disclosure","bloan.cdHelpSubtitle":"Mga sagot tungkol sa cash-to-close, ang 3-araw na window, mga pagbabago sa bawat line-item, at rescission.","bloan.cdHelpWelcome":"May tanong ka ba tungkol sa iyong Closing Disclosure? Magtanong sa akin tungkol sa kahit anong line item, ang 3-araw na review window, cash-to-close, o kung ano ang nagbago mula sa iyong Loan Estimate.","bloan.cdHelpWelcomeBroker":"May tanong ka ba tungkol sa iyong Closing Disclosure mula kay {broker}? Magtanong sa akin tungkol sa kahit anong line item, ang 3-araw na review window, cash-to-close, o kung ano ang nagbago mula sa iyong Loan Estimate.","bloan.cdSuggestWhatIs":"Ano ang Closing Disclosure?","bloan.cdSuggestWhy3Days":"Bakit kailangan kong maghintay ng 3 business days?","bloan.cdSuggestDifferFromLe":"Paano ito naiiba sa aking Loan Estimate?","bloan.cdSuggestCashToClose":'Ano ang "cash to close"?',"bloan.cdSuggestRescission":"Ano ang karapatan sa rescission?","bloan.cdSuggestChangesAtClosing":"Anong mga pagbabago ang maaari pa ring mangyari sa pagsasara?","bloan.cdPageTitle":"Ang iyong Closing Disclosure","bloan.cdNotIssued":"Hindi pa nag-isyu ng Closing Disclosure ang iyong loan officer.","bloan.cdLatestLabel":"Pinakabagong Closing Disclosure","bloan.cdEarliestClosing":"Pinakamaagang legal na petsa ng pagsasara: {date}","bloan.cdTileMonthlyPi":"Buwanang principal at interes","bloan.cdTileInterestRate":"Interest rate","bloan.cdTileCashToClose":"Cash to close","bloan.cdTileCashToCloseSub":"ang dadalhin mo sa pagsasara","bloan.cdWorksheetHeading":"Worksheet ng cash-to-close","bloan.cdCtcTotalClosingCosts":"Kabuuang closing costs","bloan.cdCtcCostsPaidBefore":"Closing costs na binayaran bago ang pagsasara","bloan.cdCtcCostsFinanced":"Closing costs na fininance","bloan.cdCtcLenderCredits":"Mga credit ng nagpapautang","bloan.cdCtcDownPayment":"Down payment","bloan.cdCtcEarnestDeposit":"Earnest money deposit","bloan.cdCtcSellerCredits":"Mga credit ng nagbebenta","bloan.cdCtcFundsForBorrower":"Mga pondo para sa nanghihiram","bloan.cdCtcOtherAdjustments":"Iba pang adjustments","bloan.cdCtcCashToCloseRow":"Cash to close","bloan.cdWorksheetNote":"Ang mga negatibong halaga ay mga credit na nagbabawas sa dadalhin mo. Ang mga positibong halaga ay nagdaragdag dito.","bloan.cdTrustNote":"Ito ay transactional disclosure na kinakailangan ng pederal na batas. Ang iyong access dito ay nilo-log para sa audit. Ikaw lamang at ang iyong awtorisadong lender team ang makakakita ng pahinang ito.","bloan.lePageTitle":"Ang iyong mga Loan Estimate","bloan.leStepApplied":"Nag-apply","bloan.leStepLeIssued":"Na-isyu ang LE","bloan.leStepReviewed":"Nasuri","bloan.leStepIntent":"Intensyon","bloan.leDeliveryFailedTitle":"Nabigo ang email delivery — ngunit maaari mo pa ring suriin dito","bloan.leDeliveryFailedBodyBefore":"Na

1abisuhan ang iyong loan officer na hindi nakarating sa iyong inbox ang email na kopya ng Loan Estimate na ito","bloan.leDeliveryFailedBodyAfter":"Tinitingnan nila ang iyong contact info at ipadadala muli. Samantala, available nang buo ang dokumento sa ibaba.","bloan.leLatestLabel":"Pinakabagong Loan Estimate","bloan.lePdfNotAvailable":"Hindi pa available ang PDF","bloan.leCdAvailable":"Available na ang Closing Disclosure","bloan.leCdEarliestClosing":"Pinakamaagang pagsasara {date}","bloan.leActionNeeded":"Kailangan ng aksyon","bloan.leCdBody":"Mga pinal na termino at buong worksheet ng cash-to-close. Binibigyan ka ng pederal na batas ng 3 business days sa pagitan ng pagtanggap at paglagda — pakisuri bago ang pagsasara.","bloan.leOpenCd":"Buksan ang Closing Disclosure","bloan.leAwaitingSignature":"Naghihintay ng iyong lagda","bloan.leEnvelopesSentOne":"{count} envelope ang ipinadala para pirmahan","bloan.leEnvelopesSentMany":"{count} envelopes ang ipinadala para pirmahan","bloan.leEnvelopesExplainer":"Bawat envelope ay ipinadala sa iyong email. Buksan ang email link mula sa signing provider para kumpletuhin ito — o gamitin ang direktang signing link sa ibaba kung available.","bloan.leSentToday":"Ipinadala ngayon","bloan.leSentDaysAgoOne":"Ipinadala {days} araw na ang nakalipas","bloan.leSentDaysAgoMany":"Ipinadala {days} araw na ang nakalipas","bloan.leEsignRequest":"Kahilingan sa e-signature \xb7 {provider}","bloan.leOpenSigningPage":"Buksan ang signing page","bloan.leCheckEmail":"Tingnan ang iyong email","bloan.leDontSeeEmail":"Hindi mo nakikita ang email? Tingnan ang spam, o magmensahe sa iyong loan officer para ipadala muli.","bloan.leEmptyTitle":"Wala pang Loan Estimate na na-isyu.","bloan.leEmptyBody":"Kapag nag-lock ng rate ang iyong loan officer o nag-submit ka ng aplikasyon, lalabas dito ang iyong unang LE sa loob ng 3 business days.","bloan.leQuestionsTitle":"May mga tanong?","bloan.leQuestionsBody":"Sagutin ang email na natanggap mo at babalikan ka ng iyong loan officer.","bloan.leWorkingWith":"Nakikipagtulungan kay: {broker}","bloan.leSecurePortalTitle":"Secure na portal","bloan.leSecurePortalBody":"Ang iyong access ay nilo-log para sa compliance. Ikaw lamang at ang awtorisadong lender staff ang makakakita ng pahinang ito.","bloan.leWantToLearnMore":"Gusto mo bang matuto pa?","bloan.leCfpbLink":"CFPB Loan Estimate explainer →","bloan.coSectionEyebrow":"Seksyon ng co-borrower","bloan.coSectionTitle":"Punan ang iyong bahagi ng 1003","bloan.coSectionIntro":"Napunan na ng pangunahing nanghihiram ang kanilang seksyon. Mas maikli ang sa iyo — pangalan + ID, kasalukuyang address, trabaho, ang parehong yes/no declarations na sinasagot ng bawat nanghihiram. Mag-save anumang oras; susuriin ng iyong broker ang buong file bago ito isumite sa lender.","bloan.coLastSaved":"Huling na-save {when}","bloan.coReturnToDashboard":"Bumalik sa dashboard","bloan.coNameRequired":"Pakipunan muna ang iyong first at last name.","bloan.coFailedToSave":"Nabigong mag-save","bloan.coCardAboutYou":"Tungkol sa iyo","bloan.coFieldFirstName":"First name *","bloan.coFieldMiddle":"Middle (opsyonal)","bloan.coFieldLastName":"Last name *","bloan.coFieldDob":"Petsa ng kapanganakan (YYYY-MM-DD)","bloan.coFieldSsn":"SSN (XXX-XX-XXXX)","bloan.coFieldPhone":"Telepono","bloan.coFieldEmail":"Email (read-only)","bloan.coFieldCitizenship":"Pagkamamamayan","bloan.coFieldMaritalStatus":"Marital status","bloan.coSelectPlaceholder":"Pumili…","bloan.coCitizenUs":"Mamamayan ng U.S.","bloan.coCitizenPermanent":"Permanent Resident","bloan.coCitizenNonPermanent":"Non-Permanent Resident","bloan.coMaritalMarried":"May asawa","bloan.coMaritalUnmarried":"Walang asawa","bloan.coMaritalSeparated":"Hiwalay","bloan.coCardCurrentAddress":"Kasalukuyang address","bloan.coFieldStreet":"Kalye","bloan.coFieldUnit":"Unit (opsyonal)","bloan.coFieldCity":"Lungsod","bloan.coFieldState":"Estado","bloan.coFieldZip":"ZIP","bloan.coFieldYearsAtAddress":"Mga taon sa address","bloan.coFieldRentOrOwn":"Umuupa o nagmamay-ari","bloan.coRentOption":"Umuupa","bloan.coOwnOption":"Nagmamay-ari","bloan.coOtherOption":"Iba pa","bloan.coCardEmployment":"Trabaho + kita","bloan.coFieldEmployer":"Employer","bloan.coFieldPosition":"Posisyon / titulo","bloan.coFieldStartDate":"Petsa ng pagsisimula (YYYY-MM-DD)","bloan.coFieldMonthlyIncome":"Buwanang 

1kita (gross $)","bloan.coFieldSelfEmployed":"Self-employed","bloan.coSelfEmployedNo":"Hindi (W-2 employee)","bloan.coSelfEmployedYes":"Oo (self-employed)","bloan.coFieldOtherIncome":"Iba pang kita / buwan (opsyonal)","bloan.coFieldOtherIncomeSource":"Pinagmulan ng iba pang kita","bloan.coOtherIncomePlaceholder":"Rental, alimony, atbp.","bloan.coCardAssets":"Mga asset","bloan.coCardLiabilities":"Mga pananagutan","bloan.coCardRealEstate":"Pag-aaring real estate","bloan.coFieldLiquidTotal":"Kabuuang liquid ($) — checking + savings","bloan.coFieldRetirementTotal":"Kabuuang retirement ($) — 401k + IRA","bloan.coAssetsNote":"Okay lang ang tantyang halaga rito. Beberipikahin ng iyong broker ang eksaktong balanse laban sa mga statement.","bloan.coCardDeclarations":"Mga deklarasyong oo / hindi","bloan.coDeclJudgments":"May mga natitirang hatol ba laban sa iyo?","bloan.coDeclBankruptcy":"Nag-declare ka ba ng bankruptcy sa nakaraang 7 taon?","bloan.coDeclLawsuit":"Kasalukuyan ka bang partido sa isang demanda?","bloan.coDeclFederalDebt":"Delingkwente ka ba sa anumang federal na utang (buwis, student loans)?","bloan.coAutoSaveAddName":"Idagdag ang iyong pangalan para paganahin ang auto-save","bloan.coSaving":"Sine-save…","bloan.coSavedAt":"Na-save {when}","bloan.coSaveFailedRetry":"Nabigong mag-save — i-tap ang Save para subukan muli","bloan.coAutoSaving":"Awtomatikong sine-save…","bloan.coUpToDate":"Napapanahon","bloan.coUnsavedEditsSummary":"ang iyong mga hindi naka-save na edit sa seksyong ito","bloan.coSaveNow":"I-save ngayon","bloan.coAskVeraLabel":"Magtanong sa Breeze tungkol sa alinman sa mga field na ito","bloan.coYes":"Oo","bloan.coNo":"Hindi","bloan.docsNeededTitle":"Mga dokumentong kailangan mo pang ibigay","bloan.docsNeededIntro":"Ito ang mga dokumentong hinihintay ng iyong loan officer. I-upload ang mga ito dito o sa pamamagitan ng document center sa iyong dashboard. Mas mabilis na maipasa, mas mabilis ang takbo ng iyong loan.","bloan.docsNeededAllCaughtUp":"Updated ka na","bloan.docsNeededAllCaughtUpBody":"Wala nang kailangan mula sa iyo ang iyong loan officer sa ngayon. Ipapaalam namin sa iyo kung magbago iyon.","bloan.docsNeededCountOne":"{count} dokumento ang hiniling","bloan.docsNeededCountMany":"{count} dokumento ang hiniling","bloan.docsNeededLetterNeeded":"Kailangan ng liham","bloan.docsNeededUnderReview":"Sinusuri","bloan.docsNeededDaysWaiting":"{days} araw na naghihintay","bloan.docsNeededRequestedOn":"Hiniling {date}","bloan.docsNeededFromSource":"Mula sa {source}","bloan.docsNeededUploadTitle":"Kailangang mag-upload?","bloan.docsNeededUploadBefore":"Gamitin ang","bloan.docsNeededDocumentCenter":"document center","bloan.docsNeededUploadAfter":"sa iyong dashboard. Tinatanggap namin ang mga PDF, larawan, at karamihan sa mga karaniwang format. Naka-encrypt ang mga file habang nakaimbak.","bloan.discrepancyDob":"Petsa ng kapanganakan","bloan.discrepancyLastName":"Apelyido","bloan.discrepancyMonthlyIncome":"Buwanang kita","bloan.docAcceptedToast":"Tinanggap ang dokumento.","bloan.docAcceptFailedToast":"Nabigong tanggapin.","bloan.docAcceptedRow":"{type} — tinanggap","bloan.docDiscrepancyBadge":"{count} discrepancy","bloan.docFlagged":"Na-flag","bloan.docSays":"sabi ng dokumento","bloan.doc1003Says":"sabi ng 1003","bloan.docAccept":"Tanggapin","bloan.docOverride":"I-override","bloan.docMoreFields":"+{count} pa","bloan.docBackToLoan":"Bumalik sa loan","bloan.docReviewEyebrow":"Pagsusuri ng dokumento","bloan.docBatchReconciliation":"Batch reconciliation","bloan.docAllGoodSubtitle":"Maganda ang lahat ng dokumento — walang low-confidence o hindi tugmang item.","bloan.docNeedReviewSubtitle":"{count} dokumento ang kailangang suriin. Tanggapin para kumpirmahin ang data, o i-override ang natuklasang kategorya.","bloan.docStatNeedsReview":"Kailangang suriin","bloan.docStatDiscrepancies":"Mga discrepancy","bloan.docStatAccepted":"Tinanggap","bloan.docAllGoodTitle":"Maganda ang lahat ng dokumento","bloan.docAllGoodBody":"Walang natuklasang low-confidence na klasipikasyon o discrepancy ng data.","bloan.docBackToCenter":"Bumalik sa document center","bloan.duBackToLoan":"← Loan","bloan.duTitle":"Desisyon sa Underwriting","bloan.duSubtitle":"Ang mga item na ito ay nagmula sa underwriter ng iyong loan. Ang pagkumpleto sa mga ito ay nagpapausad ng iyong loan patungo sa pagsasara.","bloan.duN

1otReached":"Hindi pa naaabot ng iyong loan ang underwriting. Kapag nasuri na ng underwriter ng iyong lender ang iyong file, ipapakita ng pahinang ito ang kailangan nila mula sa iyo.","bloan.duWhatThisMeans":"Ano ang ibig sabihin nito para sa iyo","bloan.duWhatYouNeedToDo":"Ano ang kailangan mong gawin","bloan.duNoActionItems":"Wala pang action items — sinusuri ng iyong loan officer ang mga findings.","bloan.duDecisionInProgress":"Isinasagawa ang underwriting","bloan.duDecisionApprovedBadge":"Naaprubahan","bloan.duDecisionApprovedHeadline":"Maayos ang takbo ng iyong loan","bloan.duDecisionReferBadge":"Manu-manong pagsusuri","bloan.duDecisionReferHeadline":"Sinusuri nang manu-mano ang iyong loan","bloan.duDecisionNeedsActionBadge":"Kailangan ng aksyon","bloan.duDecisionNeedsActionHeadline":"Kailangan ng iyong pansin ang iyong loan","bloan.duWhyThisMatters":"Bakit ito mahalaga","bloan.duWhatToDo":"Ano ang gagawin","bloan.duDueBy":"Dapat tapusin sa {date}","bloan.duOpenThisItem":"Buksan ang item na ito →","bloan.incomeMethodW2Salary":"Taunang sahod na hinati sa 12. Ang pinakasimpleng kaso — ang buo mong sahod ay binibilang bilang buwanang qualifying income.","bloan.incomeMethodW2Hourly":"Hourly rate \xd7 oras kada linggo \xd7 linggo kada taon \xf7 12. Ang overtime, bonus, at komisyon ay may sariling averaging rules at hindi kasama rito.","bloan.incomeMethodSelfEmployed":"Net income mula sa iyong huling 2 tax returns na pinag-average (Fannie Mae 1084 method). Ang YTD profit ay sanity check; hindi nito itinataas ang qualifying income lampas sa 2-taong average.","bloan.incomeMethodRental":"Gross rent \xd7 75% (ang standard na vacancy/maintenance haircut) \xd7 ang iyong ownership percent. Ang net rental income ay nag-o-offset sa PITI ng property; kung lalampas ang PITI sa 75% ng renta, ang pagkakaiba ay nagiging buwanang liability.","bloan.incomeMethodRetirement":"Buwanang halaga ng distribution, ngunit kung ang continuance ay hindi bababa sa 36 buwan mula sa petsa ng note. Ang pension, IRA, at 401(k) draws ay dumaraan lahat sa panuntunang ito (Fannie B3-3.1-09).","bloan.incomeMethodMilitary":"Base pay + BAH (Basic Allowance for Housing) + BAS (Basic Allowance for Subsistence) + iba pang allowances. Lahat ay tax-free at eligible para sa gross-up — makipag-usap sa iyong loan officer tungkol sa 1.25\xd7 na factor.","bloan.incomeMethodOther":"Custom na pinagmulan ng kita. Ang qualifying amount ay nakadepende sa frequency na ibinigay mo at sa aming standard normalization rules.","bloan.incomeTypeW2Salary":"W-2 Salary","bloan.incomeTypeW2Hourly":"W-2 Hourly","bloan.incomeTypeSelfEmployed":"Self-Employed","bloan.incomeTypeRental":"Rental Property","bloan.incomeTypeRetirement":"Retirement Distribution","bloan.incomeTypeMilitary":"Militar","bloan.incomeTypeOther":"Iba pang Kita","bloan.incomeLoanNotFoundBody":"Hindi namin mahanap ang loan na hinahanap mo.","bloan.incomeTitle":"Paano binibilang ang iyong kita","bloan.incomeIntro":"Ang mortgage qualifying income ay hindi palaging katulad ng iyong gross paycheck. Narito ang line-by-line na tingin kung paano kinakalkula ang bawat pinagmulan para sa iyong loan.","bloan.incomeTotalQualifying":"Kabuuang buwanang qualifying income","bloan.incomeAcrossSourcesOne":"Mula sa {count} pinagmulan ng kita.","bloan.incomeAcrossSourcesMany":"Mula sa {count} pinagmulan ng kita.","bloan.incomeNoSourcesTitle":"Wala pang structured income sources","bloan.incomeNoSourcesBody":"Hindi pa nagdaragdag ang iyong loan officer ng structured income sources sa iyong file. Maaaring direktang ginagamit nila ang monthly-income totals ng iyong 1003 application. Kapag naipasok na ang income sources, ipapakita ng pahinang ito ang line-by-line na breakdown.","bloan.incomePerMonth":"{amount}/buwan","bloan.incomeCounted":"Binilang","bloan.incomeIncomplete":"Hindi kumpleto","bloan.incomeCalculatorNote":"Tala ng calculator:","bloan.incomeFooterQuestionTitle":"May tanong ka ba tungkol sa isang numero?","bloan.incomeFooterQuestionBody":"Ang matematika rito ay sumusunod sa underwriting guidelines ng Fannie Mae at Freddie Mac. Maaari kang gabayan ng iyong loan officer sa anumang partikular na kalkulasyon nang detalyado.","bloan.incomeFooterDtiBody":"Ginagamit ang mga numerong ito para kalkulahin ang iyong debt-to-income ratio (DTI) — ang porsyento ng iyong buwanang kita na napupunta sa pagbabayad ng utang, kasama ang bagong mortgage. Karamihan sa mga programa ng loan ay naglilimita sa DTI sa pagitan ng 43% at 50%.","bloan.nocNotFoundTitle":"Hindi natagpuan","bloan.nocNotFoundBody":"Hindi umiiral ang abisong ito o wala kang access.","bloan.nocBackToCd":"Bumalik sa Closing Disclosure","bloan.nocTitle":"Abiso ng Karapatang Magkansela","bloan.nocSubtitle":"Pederal na disclosure na kinakailangan ng Truth in Lending Act \xa71635.","bloan.nocNotIssued":"Wala pang Abiso ng Karapatang Magkansela na na-isyu para sa loan na ito.","bloan.nocLatestVersion":"Pinakabagong bersyon","bloan.nocVersion":"Bersyon {version}","bloan.nocIssuedOn":"Inisyu {date}","bloan.nocTransactionDate":"Petsa ng transaksyon","bloan.nocCancelByMidnight":"Kanselahin bago ang hatinggabi","bloan.crPhaseSchedule":"Mag-iskedyul","bloan.crPhaseReview":"Suriin","bloan.crPhaseSign":"Pumirma","bloan.crPhaseFund":"Pondohan","bloan.crPhaseClose":"Isara","bloan.crFailedToLoad":"Nabigong i-load","bloan.crLoading":"Nilo-load ang iyong closing room…","bloan.crCouldNotLoad":"Hindi ma-load ang closing room","bloan.crVeraAriaLabel":"Closing day chat kasama si Breeze","bloan.crAskVera":"Magtanong kay Breeze","bloan.crVeraSuggestPark":"Saan ako dapat magparada?","bloan.crVeraSuggestArrive":"Anong oras ako dapat dumating?","bloan.crVeraSuggestCashToClose":"Magkano ang aking cash-to-close amount?","bloan.crVeraSuggestFundAfterSign":"Kailan po-pondohan ang aking loan pagkatapos kong pumirma?","bloan.crVeraSuggestDelays":"Ano ang mangyayari kung may magpapaantala sa pagsasara?","bloan.crVeraSuggestWetDry":"Ano ang wet close kumpara sa dry close?","bloan.crVeraWelcome":"Ako si Breeze. Magtanong sa akin ng kahit ano tungkol sa iyong pagsasara ngayon.","bloan.crEyebrow":"Closing room","bloan.crWelcomeNewHome":"Maligayang pagdating sa iyong bagong tahanan","bloan.crWelcomeName":"Maligayang pagdating, {name}","bloan.crDateNotSet":"Hindi pa nakatakda ang petsa","bloan.crAskVeraAnchor":"Magtanong kay Breeze tungkol sa iyong pagsasara →","bloan.crBannerPendingLabel":"Naghihintay ng petsa ng pagsasara","bloan.crBannerPendingDetail":"Lalabas dito ang iyong petsa ng pagsasara kapag napagkasunduan na ninyo ng iyong broker.","bloan.crBannerPastLabel":"Saradong loan","bloan.crBannerPastDetail":"Lumipas na ang iyong petsa ng pagsasara. Mga detalye ng funding + recording sa ibaba.","bloan.crBannerTodayLabel":"Magsasara ngayon","bloan.crBannerTodayDetail":"Ngayon na ang araw. Mangyayari na ngayon ang final review + paglagda.","bloan.crBannerSoonLabelO

1ne":"{days} araw na lang bago magsara","bloan.crBannerSoonLabelMany":"{days} araw na lang bago magsara","bloan.crBannerSoonDetail":"Huling yugto — suriin ang closing package at ihanda ang iyong pondo.","bloan.crBannerNormalLabel":"{days} araw bago magsara","bloan.crBannerNormalDetail":"Nasa closing window ka na. Gamitin ang room na ito bilang iyong nag-iisang landing para sa lahat ng may kinalaman sa pagsasara.","bloan.crStepPickDate":"1. Piliin ang iyong petsa ng pagsasara","bloan.crStepReviewCd":"2. Suriin ang closing disclosure","bloan.crOpenItemsOne":"{count} item ang kailangan pang asikasuhin","bloan.crOpenItemsMany":"{count} item ang kailangan pang asikasuhin","bloan.crOpenItemsBody":"May mga bukas na kahilingan ang iyong underwriter. Tapusin ang mga ito bago ang araw ng pagsasara para hindi maantala ang paglagda.","bloan.crViewOpenItems":"Tingnan ang mga bukas na item","bloan.crStepSign":"3. Pirmahan ang closing package","bloan.crSignNotOpenTitle":"Hindi pa bukas ang paglagda","bloan.crSignNotOpenReady":"Inihahanda ng iyong broker ang closing package. Ipapadala namin sa email + push notification sa sandaling handa na itong pirmahan.","bloan.crSignNotOpenWaiting":"Kailangan munang suriin ang iyong closing disclosure. Kapag lumipas na ang 3-business-day na waiting period, magbubukas ang paglagda.","bloan.crSignedTitle":"Napirmahan — magaling!","bloan.crSignedBody":"Napirmahan noong {when}. Susunod na ang funding.","bloan.crSignDeclinedTitle":"Tinanggihan ang paglagda","bloan.crSignDeclinedBody":"Makipag-ugnayan sa iyong broker — maaari mong buksang muli ang envelope pagkatapos matugunan ang mga alalahanin.","bloan.crReadyToSignTitle":"Handa nang pumirma","bloan.crReadyToSignBody":"Maglaan ng 15-30 minuto — ang closing package ay maraming dokumento (note, deed, disclosures).","bloan.crOpenSigningPortal":"Buksan ang signing portal","bloan.crStepNotary":"3a. Mag-iskedyul ng iyong notaryo","bloan.crNeedHelp":"Kailangan ng tulong?","bloan.crNeedHelpBody":"Maraming bahagi ang closing days — title, lender, notaryo, ang iyong pondo. Makipag-ugnayan at aayusin namin ang lahat.","bloan.crContactBroker":"Makipag-ugnayan sa iyong broker","bdocs.required":"Kinakailangan","bdocs.pendingUpload":"Naghihintay ng upload","bdocs.whatIsThis":"Ano ito?","bdocs.whatIsThisPrompt":'Kailangan kong i-upload ang "{name}" pero hindi ako sigurado kung ano talaga ito o paano makakakuha ng isa. Ipaliwanag mo sa akin kung ano ang dokumentong ito, bakit ito kailangan para sa aking loan, at saan ko ito mahahanap o maaaring hingin.',"bdocs.upload":"I-upload","bdocs.backToDashboard":"Bumalik sa dashboard","bdocs.documentCenter":"Sentro ng dokumento","bdocs.headerTitle":"Ang mga dokumento ng iyong loan sa isang lugar","bdocs.headerSubtitle":"Mag-upload ng mga paystub, tax return, bank statement, at ID. Ina-OCR namin ang lahat at idinadala ang bawat file sa tamang slot — hindi mo na kailangang lagyan ng label ang anuman.","bdocs.offlineBanner":"Offline ka. Ipinapakita ang huling na-save mong listahan ng dokumento — naka-pause ang mga upload.","bdocs.cachedFrom":"Naka-cache mula {date}","bdocs.verified":"Na-verify","bdocs.uploaded":"Na-upload","bdocs.pending":"Nakabinbin","bdocs.fileCountOne":"{count} file","bdocs.fileCountMany":"{count} na file","bdocs.totalDocs":"Kabuuang dokumento","bdocs.documentCollection":"Pangongolekta ng dokumento","bdocs.collectedCount":"{collected} sa {total} na nakolekta","bdocs.smartUpload":"Smart upload","bdocs.smartUploadSubtitle":"Mag-drop ng anumang file — aalamin namin kung ano ito at saan ito mapupunta.","bdocs.stillNeeded":"Kailangan pa ({count})","bdocs.uploadToClear":"Mag-upload para makumpleto ang bawat linya.","bdocs.submitted":"Naisumite ({count})","bdocs.reviewDiscrepancies":"Suriin ang mga pagkakaiba →","bdocs.emptyTitle":"Wala pang na-upload na dokumento","bdocs.emptyDescription":"Mag-drop ng file sa smart upload zone sa itaas. Awtomatiko naming iuuri ito at idadala sa tamang slot.","bdocs.readyToSubmit":"Handa nang isumite","bdocs.requiredRemainingOne":"{count} kinakailangang item ang natitira","bdocs.requiredRemainingMany":"{count} na kinakailangang item ang natitira","bdocs.submitHeadingReady":"Isumite ang iyong file para sa pagsusuri","bdocs.submitHeadingAlmost":"Malapit na","bdocs.submitBodyReady":"Kapag naisumite mo na, susuriin ng iyong loan officer ang iyong file at isusumite ito sa iyong nagpapautang.","bdocs.submitBodyAlmost":"I-upload ang natitirang kinakailangang mga item sa itaas. Awtomatikong mabubuksan ang button kapag tapos ka na.","bdocs.submitting":"Isinusumite…","bdocs.submitApplication":"Isumite ang aplikasyon","bdocs.askVeraLabel":"Tanungin si Breeze kung anong mga dokumento ang kailangan mo pa","bdocs.askVeraPrompt":"Tulungan mo akong maintindihan kung anong mga dokumento ang kailangan ko pang i-upload at para saan ang bawat isa.","bdocs.mismatchTitle":"May natukoy na posibleng hindi pagtutugma","bdocs.proceedAnyway":"Magpatuloy pa rin","bdocs.fieldFile":"File","bdocs.fieldTargeting":"Tinutumbok","bdocs.fieldDetected":"Natukoy","bdocs.reviewing":"Sinusuri","bdocs.noFilesUploaded":"Walang na-upload na file","bdocs.toastScanning":"Sina-scan ang {count} na dokumento...","bdocs.toastProcessedOne":"Matagumpay na naproseso ang {count} dokumento.","bdocs.toastProcessedMany":"Matagumpay na naproseso ang {count} na dokumento.","bdocs.toastUnidentified":"Hindi matukoy ang mga na-upload na file. Mangyaring mag-upload nang manu-mano sa isang partikular na kategorya.","bdocs.toastAnalyzing":"Sinusuri ang dokumento...","bdocs.toastUploadSuccess":"Matagumpay na na-upload ang dokumento.","bdocs.toastUploadError":"May error sa pagproseso ng dokumento.","bdocs.toastUploadCancelled":"Kanselado ang upload","bdocs.toastSubmitFailed":"Hindi naisumite ang aplikasyon. Pakisubukang muli.","bdocs.documentFallback":"Dokumento","bdocs.issueTypeMismatch":"Mukhang isa itong {detected} ({confidence}% na kumpiyansa), pero ina-upload mo ito sa {target}.","bdocs.issueLastNameMissing":'Hindi natagpuan sa dokumento ang apelyido ng nanghihiram na "{lastName}".',"bdocs.issueDobMismatch":"Hindi tugma ang DOB: ang aplikasyon ay nagsasaad ng {appDob}, ang ID na ito ay nagsasaad ng {idDob}.","bdocs.issueIncomeMismatch":"Hindi tugma ang kita: ipinapakita ng paystub ang ~${detected}/buwan, pero ang aplikasyon ay nagsasaad ng ${reported}/buwan.","bdocs.esignStatusSent":"Naipadala — naghihintay ng pirma","bdocs.esignStatusViewed":"Natingnan — naghihintay ng pirma","bdocs.esignStatusSigned":"Napirmahan","bdocs.esignStatusDeclined":"Tinanggihan","bdocs.esignStatusExpired":"Nag-expire na","bdocs.esignStatusVoided":"Pinawalang-bisa","bdocs.esignStatusFailed":"Nabigo","bdocs.esignFrameSubtitle":"eSign envelope","bdocs.esignMissingEnvelopeTitle":"Nawawalang envelope id","bdocs.esignMissingEnvelopeBody":"Walang ibinigay 

1na envelope id. Ang page na ito ay naaabot sa pamamagitan ng stub eSign URL — kung direkta kang nakarating dito, iyon ang problema.","bdocs.esignSignInTitle":"Mag-sign in para magpatuloy","bdocs.esignSignInBody":"Kailangan mong naka-sign in para matingnan ang signing envelope na ito.","bdocs.esignBorrowerSignIn":"Sign in ng nanghihiram","bdocs.esignStaffSignIn":"Sign in ng broker / LO / Admin","bdocs.esignForbiddenTitle":"Ipinagbabawal","bdocs.esignForbiddenBody":"Wala kang access sa signing envelope na ito.","bdocs.esignStubTitle":"eSign stub envelope","bdocs.esignStubProviderHeading":"Stub provider — para sa development lamang","bdocs.esignStubProviderBody":'Sa produksyon, papalitan ang surface na ito ng Dropbox Sign / DocuSign / DocMagic eSign kapag may napiling vendor. Ang pag-click sa "Sign" sa ibaba ay magpapaputok ng envelope.signed webhook event upang lumipat sa Napirmahan ang pill ng broker UI — ang parehong data path na gagamitin ng tunay na mga adapter.',"bdocs.esignProvider":"Provider","bdocs.esignSigner":"Pumipirma","bdocs.esignSent":"Naipadala","bdocs.esignStatus":"Status","bdocs.esignSignedAt":"Napirmahan noong","bdocs.esignBackDisclosures":"← Bumalik sa iyong mga disclosure","bdocs.esignBackBrokerLoan":"← Bumalik sa broker loan view","bdocs.recordingSignature":"Itinatala ang pirma…","bdocs.signEnvelopeStub":"Pirmahan ang envelope (stub)","bdocs.fillSubmitFailed":"Nabigo ang pagsumite ({status})","bdocs.fillNetworkError":"Error sa network","bdocs.fillDoneTitle":"Tapos na, {name}!","bdocs.fillDoneBody":"Naabisuhan na si {brokerName}. Makikipag-ugnayan sila sa iyo sa lalong madaling panahon.","bdocs.fillGreeting":"Kumusta {name} \uD83D\uDC4B","bdocs.fillIntro":"Kailangan ni {brokerName} ng ilang detalye para magpatuloy ang iyong loan:","bdocs.fillLoanAmount":"Halaga ng loan","bdocs.fillLoanAmountHint":"Kung magkano ang gusto mong hiramin.","bdocs.fillLoanAmountPlaceholder":"hal. 450,000","bdocs.fillPropertyValue":"Halaga ng property","bdocs.fillPropertyValueHint":"Pinakamahusay na tantiya ng halaga ng bahay.","bdocs.fillPropertyValuePlaceholder":"hal. 600,000","bdocs.fillOccupancy":"Paano mo gagamitin ang property na ito?","bdocs.fillSelect":"Pumili…","bdocs.fillOccupancyPrimary":"Pangunahing tahanan (kung saan ako titira)","bdocs.fillOccupancySecond":"Pangalawang tahanan / bakasyunan","bdocs.fillOccupancyInvestment":"Investment / paupahan","bdocs.fillLoanPurpose":"Layunin ng loan","bdocs.fillPurposePurchase":"Bumili ng bagong bahay","bdocs.fillPurposeRefinance":"I-refinance ang aking kasalukuyang loan","bdocs.fillPropertyType":"Uri ng property","bdocs.fillTypeSingleFamily":"Single-family na bahay","bdocs.fillTypeCondo":"Condo","bdocs.fillTypeTownhouse":"Townhouse","bdocs.fillTypeMultiFamily":"2-4 unit (multi-family)","bdocs.fillTypeManufactured":"Manufactured na bahay","bdocs.fillEmail":"Email address","bdocs.fillEmailHint":"Para makaugnayan ka ng iyong loan officer.","bdocs.fillEmailPlaceholder":"[email protected]","bdocs.fillSending":"Ipinapadala…","bdocs.fillSendToLO":"Ipadala sa aking loan officer","bdocs.fillPrivacyNote":"Ibabahagi lamang namin ang mga detalyeng ito sa iyong loan officer.","bdocs.fillLinkNotFoundTitle":"Hindi nakita ang link","bdocs.fillLinkNotFoundBody":"Ang link na ito ay invalid o naalis na. Kung sa tingin mo ay pagkakamali ito, makipag-ugnayan sa iyong loan officer.","bdocs.fillLinkExpiredTitle":"Nag-expire na ang link","bdocs.fillLinkExpiredBody":"Nag-expire na ang link na ito. Makipag-ugnayan sa iyong loan officer para sa bago.","bdocs.fillAlreadySubmittedTitle":"Naisumite na","bdocs.fillAlreadySubmittedBody":"Salamat — natanggap na namin ang iyong impormasyon. Naabisuhan na ang iyong loan officer.","bdocs.fillBrokerFallback":"Ang iyong loan officer","bdocs.fillBorrowerFallback":"kumusta","bdocs.preApprovalEyebrow":"Pre-approval","bdocs.preApprovalHonestTitle":"Ang iyong pre-approval","bdocs.preApprovalHonestSubtitle":"Ang iyong opisyal na pre-approval letter ay nagmumula sa nagpapautang — hindi sa awtomatikong tantiya. Inihahanda ito ng iyong loan officer at ibinabahagi sa iyo kapag handa na ang iyong file.","bdocs.preApprovalHowItWorks":"Paano ito gumagana","bdocs.preApprovalLenderIssues":"Ang nagpapautang ang naglalabas ng iyong pre-approval","bdocs.preApprovalHonestPara1":"Ang tunay na pre-approval ay sumasalamin sa pagpepresyo na talagang maaari mong gawan ng aksyon. Ang mga numerong iyon — ang iyong rate, bayad, at halaga ng loan — ay itinatakda ng nagpapautang pagkatapos masuri ang iyong aplikasyon, hindi sa pamamagitan ng tantiya sa screen na ito.","bdocs.preApprovalHonestPara2":"Titipunin ng iyong loan officer ang iyong file, pepresyuhan ka batay sa iyong tunay na sitwasyon, at ibabahagi ang opisyal na pre-approval letter na maaari mong ibigay sa mga nagbebenta at ahente. Makipag-ugnayan at sisimulan na nila ito.","bdocs.preApprovalWhatYouGet":"Ang makukuha mo","bdocs.preApprovalGetItem1":"Isang sulat na inilabas ng nagpapautang na maaari mong ibahagi kapag gumagawa ng mga alok.","bdocs.preApprovalGetItem2":"Pagpepresyong sinuri batay sa iyong aktwal na credit, kita, at mga asset.","bdocs.preApprovalGetItem3":"Isang loan officer na gagabay sa iyo sa mga numero.","bdocs.preApprovalTalkToLO":"Makipag-usap sa iyong loan officer","bdocs.preApprovalTalkToLOBody":"Ihahanda ng iyong loan officer ang iyong opisyal na pre-approval at ibabahagi ito sa iyo.","bdocs.preApprovalMessageLO":"Mag-message sa iyong loan officer","bdocs.preApprovalReadyEyebrow":"Handa na ang iyong pre-approval","bdocs.preApprovalLetterTitle":"Ang iyong pre-approval letter","bdocs.preApprovalLetterSubtitle":"Ibinahagi ng iyong loan officer ang opisyal na pre-approval mula sa iyong nagpapautang. Buksan ito sa ibaba, pagkatapos ay ibigay sa mga nagbebenta at ahente kapag gumawa ka ng alok.","bdocs.preApprovalLenderIssuedLabel":"Inilabas ng nagpapautang","bdocs.preApprovalLetterFallback":"Pre-approval letter","bdocs.preApprovalLetterBody":"Ito ang iyong tunay na pre-approval na inilabas ng nagpapautang — inihanda at ibinahagi ng iyong loan officer. Bawat numero rito ay sumasalamin sa pagpepresyo na talagang maaari mong gawan ng aksyon.","bdocs.preApprovalFileFallback":"Pre-approval.pdf","bdocs.preApprovalShared":"Ibinahagi {date}","bdocs.preApprovalOpenError":"Hindi namin nabuksan ang file ({error}). Subukan muli mamaya o mag-message sa iyong loan officer.","bdocs.preApprovalLoading":"Naglo-load…","bdocs.preApprovalView":"Tingnan ang pre-approval","bdocs.download":"I-download","bdocs.preApprovalQuestions":"May mga tanong tungkol sa iyong pre-approval?","bdocs.preApprovalQuestionsBody":"Maaaring gabayan ka ng iyong loan officer sa mga numero at mga susunod na hakbang.","bdocs.preApprovalRealThing":"Ang tunay na bagay","bdocs.preApprovalRealThingBody":"Ang sulat na ito ay direktang nagmumula sa iyong nagpapautang. Kinikilala ito ng mga nagbebenta at listing agent bilang patunay na kaya mong isara ang transaksyon.","bset.allSettings":"Lahat ng setting","bset.hubTitle":"Mga setting","bset.hubSubtitle":"Pamahalaan ang iyong account at mga kagustuhan.","bset.sectionProfileTitle":"Profile","bset.sectionProfileDesc":"Pangalan, email, at numero ng telepono","bset.sectionSecurityTitle":"Seguridad","b

1set.sectionSecurityDesc":"Password, 2FA, mga passkey, at mga tanong sa seguridad","bset.sectionNotificationsTitle":"Mga abiso","bset.sectionNotificationsDesc":"Kung paano at kailan ka namin ina-update tungkol sa iyong loan","bset.sectionAppearanceTitle":"Hitsura","bset.sectionAppearanceDesc":"Tema at kulay","bset.sectionConnectionsTitle":"Mga koneksyon","bset.sectionConnectionsDesc":"Mga bank account at naka-link na serbisyo","bset.sectionPrivacyTitle":"Privacy at data","bset.sectionPrivacyDesc":"I-download o burahin ang iyong data (CCPA / GDPR)","bset.privacyTitle":"Privacy at data","bset.privacyDescription":"Sa ilalim ng CCPA ng California at GDPR, may karapatan kang makita, i-export, o burahin ang iyong data. Gamitin ang mga kontrol sa ibaba.","bset.privacyRetentionNote":"Tutugon kami sa loob ng 45 araw. Ang ilang data ay kinakailangan para sa federal recordkeeping (HMDA, BSA / OFAC, Reg B / ECOA, FCRA) at dapat panatilihin kahit na matapos burahin ang mga personal na kagustuhan. Ipapaalam namin sa iyo kung aling mga field ang sakop ng pagpapanatiling iyon kapag pinroseso namin ang iyong kahilingan.","bset.appearanceTitle":"Hitsura","bset.appearanceDescription":"I-adjust kung paano lumalabas ang portal.","bset.themeTitle":"Tema","bset.themeDescription":"Pumili ng light, midnight, o true black.","bset.themeLight":"Light","bset.themeMidnight":"Midnight","bset.themeTrueBlack":"True black","bset.accentColorTitle":"Accent color","bset.accentColorDescription":"Ginagamit sa mga button, link, at highlight.","bset.accentColorAria":"{name} accent color","bset.colorIndigo":"Indigo","bset.colorOcean":"Ocean","bset.colorForest":"Forest","bset.colorSunset":"Sunset","bset.colorLavender":"Lavender","bset.connectionsTitle":"Mga koneksyon","bset.connectionsDescription":"Mga bank account at iba pang serbisyong konektado sa iyong loan.","bset.bankAccountPlaid":"Bank account (Plaid)","bset.bankAccountDescription":"Awtomatikong pinupunan ang iyong mga balanse sa bangko at statement sa iyong 1003. Puwede mong i-disconnect anumang oras; ang pag-disconnect ay nagbubura rin ng data na na-cache namin mula sa Plaid.","bset.loading":"Naglo-load…","bset.startApplicationToConnect":"Magsimula ng aplikasyon para makakonekta ng bangko.","bset.bankConnected":"Nakakonekta ang bangko","bset.bankConnectedNamed":"Nakakonekta ang bangko — {name}","bset.noBankConnected":"Walang nakakonektang bangko. Puwede kang mag-link ng isa mula sa seksyong Assets ng iyong aplikasyon.","bset.productAssetReport":"Asset report","bset.productAssetReportPending":"Kinukuha ang 2 taon ng mga balanse…","bset.productIncomeVerification":"Pag-verify ng kita","bset.productIncomePending":"Sinusuri ang mga direct deposit…","bset.productConsumerReport":"Consumer report","bset.productConsumerPending":"Binubuo ang mga signal ng cashflow…","bset.productReady":"Handa na","bset.productFailed":"Nabigo — makipag-ugnayan sa iyong loan officer","bset.profileTitle":"Profile","bset.profileDescription":"Ang iyong pangalan at mga detalye ng contact sa loan.","bset.profileLoadError":"Hindi ma-load ang iyong profile.","bset.personalInformation":"Personal na impormasyon","bset.personalInformationDesc":"Awtomatikong nagse-save habang nagta-type ka. Ginagamit sa iyong 1003 na aplikasyon at mga disclosure.","bset.fieldFirstName":"Pangalan","bset.fieldMiddleName":"Gitnang pangalan","bset.fieldLastName":"Apelyido","bset.fieldEmail":"Email","bset.fieldEmailHelp":"Ang pagbabago ng email ay nangangailangan ng verification — makipag-ugnayan sa support.","bset.fieldPhone":"Telepono","bset.unsavedProfileEdits":"ang iyong mga hindi pa na-save na pagbabago sa profile","bset.saveFailed":"Nabigo ang pag-save.","bset.saving":"Nagse-save…","bset.saveNow":"I-save ngayon","bset.savedAt":"Na-save {time}","bset.saveFailedRetry":"Nabigo ang pag-save — i-tap ang Save para subukang muli","bset.autoSaving":"Awtomatikong nagse-save…","bset.upToDate":"Napapanahon","bset.securityTitle":"Seguridad","bset.securityDescription":"I-secure ang iyong account.","bset.twoFactorTitle":"Two-factor authentication","bset.twoFactorDescription":"Nagdaragdag ng code mula sa authenticator app bukod sa iyong password.","bset.passkeysTitle":"Mga passkey","bset.passkeysDescription":"Mag-sign in gamit ang iyong fingerprint, mukha, o device PIN — phishing-resistant at inirerekomenda.","bset.securityQuestionsTitle":"Mga tanong sa seguridad","b

1set.securityQuestionsDescription":"Ginagamit bilang fallback kapag nag-sign in ka mula sa bagong device.","bset.recentSignInsTitle":"Mga kamakailang sign-in","bset.recentSignInsDescription":"Mga device na nag-sign in sa iyong account. Kung may hindi mo nakikilala, palitan ang iyong password.","bset.passwordTitle":"Password","bset.passwordDescription":"Ang pagpapalit ng iyong password ay magsi-sign out sa ibang mga device.","bset.passwordTooShort":"Ang bagong password ay dapat may hindi bababa sa 8 character.","bset.passwordsDoNotMatch":"Hindi tugma ang mga bagong password.","bset.passwordChangeError":"Hindi mapalitan ang password.","bset.currentPassword":"Kasalukuyang password","bset.newPassword":"Bagong password","bset.confirmNewPassword":"Kumpirmahin ang bagong password","bset.passwordUpdated":"Na-update ang password.","bset.changePassword":"Palitan ang password","bset.cancel":"Kanselahin","bset.twoFactorEnabled":"Naka-enable ang 2FA.","bset.disableTwoFactor":"I-disable ang 2FA","bset.disableTwoFactorWarning":"Ang pag-disable ng 2FA ay nangangahulugang aasa lang ang iyong account sa iyong password at mga code sa email. Sigurado ka ba?","bset.disabling":"Dini-disable…","bset.confirmDisableTwoFactor":"Oo, i-disable ang 2FA","bset.loadingShort":"Naglo-load…","bset.setUpTwoFactor":"I-set up ang 2FA","bset.scanWithAuthenticator":"I-scan gamit ang Google Authenticator, Authy, o 1Password.","bset.twoFactorQrAlt":"2FA QR","bset.manualKeyLabel":"Manual key:","bset.sixDigitCode":"6-digit na code","bset.authenticatorCodeAria":"6-digit na code ng authenticator","bset.verifyAndEnable":"I-verify at i-enable","bset.notificationsTitle":"Mga abiso","bset.notificationsDescription":"Piliin kung paano ka namin ina-update tungkol sa iyong loan.","bset.channelsTitle":"Mga channel","bset.savesAutomatically":"Awtomatikong nagse-save.","bset.emailLabel":"Email","bset.emailDescription":"Mga update sa status, kahilingan para sa dokumento, at mga milestone.","bset.smsLabel":"SMS","bset.smsDescription":"Mga time-sensitive na alerto lamang — mga kumpirmasyon ng rate-lock at kahilingan para sa pirma.","bset.prefsLoadError":"Hindi ma-load ang mga kagustuhan.","bset.condPrefsLoadError":"Hindi ma-load ang mga kagustuhan sa kundisyon.","bset.saveFailedToggleReverted":"Nabigo ang pag-save — naibalik ang toggle.","bset.saveFailedTryAgain":"Nabigo ang pag-save — pakisubukang muli.","bset.saveFailedShort":"Nabigo ang pag-save","bset.conditionNotificationsTitle":"Mga abiso sa kundisyon","bset.conditionNotificationsDescription":"Piliin kung aling mga alerto ang paputok kapag nagdagdag o nag-update ng kundisyon ang iyong loan officer. Ang mga channel na hindi pa naka-enable ng iyong loan officer ay ipinapakita nang greyed out.","bset.condNewEmailLabel":"Email para sa bagong kundisyon","bset.condNewEmailDesc":"Kapag may bagong kundisyong idinagdag sa iyong loan","bset.condWeeklyDigestLabel":"Lingguhang buod","bset.condWeeklyDigestDesc":"Buod tuwing Linggo ng mga bukas na item","bset.condStaleReminderLabel":"Paalala para sa hindi na-update na kundisyon","bset.condStaleReminderDesc":"Isang ping sa ika-7 araw kapag walang aktibidad ang isang kundisyon","bset.condInAppToastLabel":"In-app na toast sa susunod mong pagbisita","bset.condInAppToastDesc":"Bilang ng mga bagong item na ipinapakita kapag binuksan mo ang portal","bset.condPushLabel":"Push notification","bset.condPushDesc":"PWA push (dapat naka-install ang app)","bset.noLoanAssigned":"Wala pang naka-assign na loan — naka-save na ang iyong mga kagustuhan at magkakabisa ito kapag nakakonekta na ang iyong loan officer.","bset.voiceAccessibilityTitle":"Boses at accessibility","bset.voiceAccessibilityDescription":"Kontrolin kung paano nakikipag-ugnayan sa iyo si Breeze gamit ang iyong boses.","bset.voiceInputLabel":"Voice input — hayaan mo akong magdikta ng mga tanong kay Breeze","bset.voiceInputDescription":"Gumagamit ng mikropono ng iyong browser. Kailangan ng suporta ng browser.","bset.voiceOutputLabel":"Voice output — basahin nang malakas ang mga sagot ni Breeze","bset.voiceOutputDescription":"Lalabas ang isang play button sa tabi ng bawat mensahe ni Breeze.","bset.channelNotEnabledTooltip":"Hindi pa na-enable ng iyong loan officer ang channel na ito","bset.notEnabledByLoanOfficer":"Hindi na-enable ng iyong loan officer","binfo.resGuidesTitle":"Mga praktikal na gabay","binfo.resGuidesDesc":"Hakbang-hakbang na gabay sa pagbili ng bahay, pagkuha ng pinakamagandang rate, at mabilis na pagpapaganda ng kredito.","binfo.resChecklistTitle":"Checklist ng dokumento","binfo.resChecklistDesc":"Huwag nang magulat. Eksakto kung anong mga rekord sa pananalapi ang kailangan mo para sa instant na approval.","binfo.resGlossaryTitle":"Glosaryo ng mortgage","binfo.resGlossaryDesc":"Pag-decode ng komplikadong jargon ng industriya. Napakalinaw na mga depinisyon para sa mga termino tulad ng Amortization at Escrow.","binfo.faqDownPaymentQ":"Magkano ang kailangan ko para sa down payment?","binfo.faqDownPaymentA":"Depende ito sa uri ng loan. Ang FHA loans ay nangangailangan ng kasingbaba ng 3.5%, ang conventional loans ay karaniwang 3–5%, at ang VA / USDA loans ay maaaring 0% down para sa mga kwalipikadong nanghihiram. Gagabayan ka ng iyong broker sa mga tradeoff para sa iyong sitwasyon.","binfo.faqCreditScoreQ":"Anong credit score ang kailangan ko para ma-approve?","binfo.faqCreditScoreA":"Karamihan sa mga conventional na nagpapautang ay gustong 620+ na score. Tumatanggap ang FHA loans ng score na kasingbaba ng 580 (o mas mababa pa kapag may mas malaking down payment at compensating factors). Ang mas mataas na score ay nagbubukas ng mas magagandang rate — magtarget ng 740+ para maabot ang pinakamataas na pricing tier.","binfo.faqProcessTimeQ":"Gaano katagal ang buong proseso?","binfo.faqProcessTimeA":"Mula a

1plikasyon hanggang funded, karamihan sa mga pagbili ay nagsasara sa loob ng 30–45 araw. Ang pinakamalaking variable ay kung gaano kabilis dumating ang mga dokumento — ang pagkakahanda ng lahat sa unang araw ay maaaring magbawas ng isang linggo o higit pa sa timeline.","binfo.faqRateLockQ":"Kailan ko dapat i-lock ang aking interest rate?","binfo.faqRateLockA":"Nagbabago ang rate araw-araw. Kapag mayroon ka nang tinanggap na alok at isang bayad na kaya mo, kadalasan tama ang pag-lock — inaalis nito ang panganib na tumaas ang rate laban sa iyo habang nasa underwriting ang iyong file. Papayuhan ka ng iyong broker tungkol sa timing.","binfo.learningCenter":"Learning Center","binfo.heroTitlePrefix":"Ang kaalaman ay","binfo.heroTitleHighlight":"Kapangyarihan","binfo.heroSubtitle":"Mga gabay, depinisyon, at checklist para tulungan kang maintindihan ang iyong loan mula simula hanggang pagsasara.","binfo.open":"Buksan","binfo.commonQuestions":"Mga karaniwang tanong","binfo.checklistTitle":"Checklist ng dokumento","binfo.checklistSubtitle":"Ang pagtitipon ng tamang mga dokumento nang maaga ay maaaring magpabilis ng iyong proseso ng loan nang ilang linggo. Narito ang karaniwang kakailanganin mo.","binfo.proTip":"Pro tip","binfo.proTipBody":"Maaari mong i-upload ang mga dokumentong ito nang direkta sa iyong dashboard kapag sinimulan mo na ang iyong aplikasyon. Pinapadali ng aming secure na portal na isumite ang lahat mula sa iyong telepono o computer.","binfo.glossarySubtitle":"Pag-decode sa wika ng pagpapautang.","binfo.glossarySearchPlaceholder":"Maghanap ng mga termino...","binfo.glossarySearchAria":"Maghanap ng mga termino sa mortgage","binfo.glossaryRegionAria":"Mga termino sa glosaryo","binfo.glossaryNoResults":"Walang nahanap na terminong tumutugma sa “{search}”","binfo.glossaryTermsStartingWith":"Mga terminong nagsisimula sa {letter}","binfo.backToResources":"Bumalik sa mga resource","binfo.readyNextStep":"Handa nang gawin ang susunod na hakbang?","binfo.glossaryEyebrow":"Glosaryo","binfo.glossaryPlainTitle":"Mga termino sa mortgage sa simpleng wika","binfo.glossaryPlainSubtitle":"{count} na termino na makikita mo sa papeles ng iyong loan. Maghanap ng partikular na termino, o mag-scroll sa buong listahan.","binfo.backToDashboard":"Bumalik sa dashboard","binfo.helpEyebrow":"Tulong at walkthrough","binfo.helpTitle":"Lahat ng kailangan mong malaman","binfo.helpSubtitle":"Isang gabay sa simpleng wika para sa bawat page sa iyong borrower portal. Gamitin ang table of contents sa ibaba para lumukso, o mag-scroll para sa buong walkthrough.","binfo.watchTheTour":"Panoorin ang tour","binfo.tableOfContents":"Table of contents","binfo.tocDashboard":"Dashboard","binfo.tocLoanStatusPanel":"Panel ng status ng loan","binfo.tocUploadingDocuments":"Pag-upload ng mga dokumento","binfo.toc1003Application":"Ang 1003 na aplikasyon","binfo.tocPricingRateLocks":"Pricing at rate locks","binfo.tocAccountSecurity":"Seguridad ng account","binfo.tocNotificationsPreferences":"Mga notification at preference","binfo.tocContactingBroker":"Pakikipag-ugnayan sa iyong broker","binfo.tocTroubleshooting":"Pag-troubleshoot","binfo.secDashboardTitle":"Ang iyong dashboard","binfo.secStatusTitle":"Panel ng status ng loan","binfo.secDocumentsTitle":"Pag-upload ng mga dokumento","binfo.sec1003Title":"Ang 1003 na aplikasyon","binfo.secPricingTitle":"Pricing at rate locks","binfo.secSecurityTitle":"Seguridad ng account","binfo.secSettingsTitle":"Mga notification at preference","binfo.secContactTitle":"Pakikipag-ugnayan sa iyong broker","binfo.secTroubleshootTitle":"Pag-troubleshoot","binfo.stillStuck":"Nahihirapan pa rin?","binfo.startSpotlightTour":"Simulan ang spotlight tour","binfo.welcome":"Maligayang pagdating","binfo.welcomeName":"Maligayang pagdating, {name}","binfo.getStartedSubtitle":"Handa nang simulan ang iyong loan application? Maaari kang magsimula ngayon o bumalik kapag handa ka na.","binfo.recommended":"Inirerekomenda","binfo.begin1003":"Simulan ang 1003 na aplikasyon","binfo.begin1003Desc":"Dumaan sa iyong loan application nang hakbang-hakbang. Mag-save at magpatuloy anumang oras.","binfo.startApplication":"Simulan ang aplikasyon","binfo.skipForNow":"Laktawan muna","binfo.skipForNowDesc":"Dalhin ako sa aking dashboard. Babalik ako sa aplikasyon mamaya.","binfo.skipToDashboard":"Laktawan papunta sa dashboard","binfo.securePrivate":"Secure at Pribado","binfo.securePrivateDesc":"Pinananatiling ligtas ng bank-level na encryption ang iyong personal na data.","binfo.saveProgress":"I-save ang iyong progreso","binfo.saveProgressDesc":"Magsimula ngayon at tapusin mamaya. Awtomatiko naming sine-save ang iyong trabaho.","binfo.fastPreApproval":"Mabilis na Pre-Approval","binfo.fastPreApprovalDesc":"Makakuha ng desisyon sa loob ng ilang minuto, hindi araw.","binfo.invalidInviteTitle":"Hindi wastong invitation link","binfo.invalidInviteBody":"Hindi wasto o nag-expire na ang referral link na sinundan mo. Maaari ka pa ring gumawa ng account o mag-sign in sa ibaba.","binfo.createAccount":"Gumawa ng account","binfo.heroLine1":"Ang iyong mortgage, ipinaliwanag.","binfo.heroLine2":"Ang iyong file, naka-lock.","binfo.startHeroSubtitle":"Dalawang minuto para magsimula. Walang account sa simula, walang credit pull, at walang SSN o mga dokumento ng kita hangga't hindi mo pinipiling i-save.","binfo.startMyApplication":"Simulan ang aking aplikasyon","binfo.noCreditPull":"Walang credit pull \xb7 Walang commitment \xb7 ~2 min","binfo.inviteBadge":"{name} \xb7 {brokerage} ang nag-imbita sa iyo","binfo.phishingLine":"Ginawa ni {firstName} ang pahinang ito para sa iyo. Kung hindi mo ito inaasahan, huwag magpatuloy.","binfo.threeWaysToBegin":"Tatlong paraan para magsimula","binfo.pickThePath":"Piliin ang landas na bagay sa iyo.","binfo.pathStartTitle":"Simulan ang aplikasyon","binfo.pathStartBody":"Sige na. Property at contact info muna, pagkatapos ay tapusin ang iba pang bahagi pagkatapos mag-sign up.","binfo.startNow":"Magsimula ngayon","binfo.pathSetupEyebrow":"Mag-set up muna","binfo.pathSetupTitle":"Gumawa muna ng account","binfo.pathSetupBody":"I-set up ang iyong account, gawin ang tour, pagkatapos ay magsimula mula sa iyong dashboard.","binfo.pathReturningEyebrow":"Bumabalik","binfo.pathReturningBody":"May account ka na? Magpatuloy mula sa kinatigilan mo.","binfo.howItWorks":"Paano ito gumagana","binfo.hereToKeys":"Mula dito hanggang sa susi, sa 3 hakbang.","binfo.step1Title":"Sabihin sa amin ang tungkol sa property","binfo.step1Body":"Pangalan, contact, kung ano ang fini-finance mo. ~2 min.","binfo.step2Title":"Gumawa ng iyong account","binfo.step2Body":"I-save ang progreso. Pagkatapos ay paystubs, tax returns, bank statements.","binfo.step3Title":"Panoorin ang paggalaw ng iyong loan","binfo.step3Body":"Real-time na status ng appraisal, title, at lender kasama ang mga ETA.","binfo.builtOnInfrastru

1cture":"Nakabase sa matibay na imprastraktura","binfo.footerLegal":"Ang {company} ay isang serbisyo ng California Mortgage Solutions, Inc. NMLS-licensed sa CA. Equal Housing Opportunity.","binfo.footerPrivacy":"Privacy","binfo.footerTerms":"Mga Tuntunin","binfo.previewLoanStatus":"Status ng loan","binfo.previewOnTrack":"Nasa tamang landas","binfo.previewUnderwriting":"Underwriting","binfo.previewEtaFriday":"60% — ETA Biyernes","binfo.previewChecklistBank":"2 buwang bank statements","binfo.previewChecklistW2":"Pinakabagong W-2","binfo.previewChecklistPaystub":"Huling paystub","binfo.stepN":"Hakbang {n}","binfo.vaultHeadline":"Ginawa na parang vault. Binubuksan lamang ng mga taong may lisensya.","binfo.trustGroupIdentity":"Pagkakakilanlan","binfo.trustGroupEncryption":"Encryption at paghihiwalay","binfo.trustGroupDocuments":"Mga dokumento","binfo.trustGroupCompliance":"Built-in na pagsunod sa regulasyon","binfo.trustGroupReliability":"Pagiging maaasahan","binfo.trustGroupAi":"AI na pinamamahalaan ng mga tao","binfo.trustItemTwoStep":"Two-step na pag-sign in sa bawat account, laging naka-on.","binfo.trustItemPasskeys":"Pag-sign in gamit ang passkey at authenticator app.","binfo.trustItemNewDevice":"Pagtukoy ng bagong device na may agarang alerto.","binfo.trustItemTls":"TLS 1.3 sa buong platform, na may strict transport security na preloaded sa mga browser.","binfo.trustItemAes":"AES-256-GCM encryption para sa mga nakaimbak na kredensyal.","binfo.trustItemIsolation":"Mahigpit na paghihiwalay sa pagitan ng mga brokerage. Hindi kailanman makukuha ng ibang kumpanya ang data ng isa.","binfo.trustItemAuditTrail":"Kumpletong audit trail: bawat pagtingin, pag-download, at pirma ay may oras at pangalan.","binfo.trustItemSignatures":"Mga pirmang naitala kasama ang ebidensya ng device at address.","binfo.trustItemCreditMemory":"Ang datos ng credit ay pinoproseso lamang sa memory, hindi kailanman isinusulat sa storage.","binfo.trustItemFingerprint":"Storage na may content fingerprint, kaya iisa lang ang bawat file at hindi ito mapapalitan nang palihim.","binfo.trustItemDisclosureTiming":"Awtomatikong ipinapatupad ang mga takdang oras ng disclosure, at sinusubaybayan ang mga petsa ng pagtanggap.","binfo.trustItemMismo":"Datos ng loan sa pamantayan ng industriya, na-validate laban sa opisyal na schema bago ipadala.","binfo.trustItemSanctions":"Pagsusuri sa sanctions bago ang anumang pagsusumite o pag-export.","binfo.trustItemSafeguards":"Nakasulat na pederal na programa ng pangangalaga at lisensyadong broker sa bawat loan.","binfo.trustItemOffline":"Gumagana nang offline. Nase-save ang aplikasyon sa iyong device at nagsi-sync kapag bumalik ka.","binfo.trustItemLanguages":"Anim na wika.","binfo.trustItemLiveStatus":"Live na status mula sa mga kasosyo sa appraisal, title, at lender.","binfo.trustItemPiiRedacted":"Tinatanggal ang mga personal na pagkakakilanlan bago makarating ang anumang dokumento sa AI model.","binfo.trustItemPeopleDecide":"Nagbabasa at nag-aayos ang AI; mga taong may lisensya ang gumagawa ng bawat desisyon.","binfo.trustItemKillSwitch":"Isang switch lang ang kailangan para i-off ang cloud AI sa buong platform.","binfo.trustReadMore":"Basahin ang buong detalye ng seguridad.","binfo.whoHeading":"Sino ang kasama mo","binfo.whoPersonEyebrow":"Ang iyong contact","binfo.whoBrokerageEyebrow":"Ang iyong brokerage","binfo.whoLicensedIn":"Lisensyado sa {states}","binfo.licenseNmls":"NMLS #{id}","binfo.licenseDre":"{state} DRE #{id}","binfo.returningEmailPlaceholder":"Email address","binfo.continue":"Magpatuloy","binfo.miniStreet":"Street address","binfo.miniUploadHint":"I-drop ang mga file dito o i-tap para mag-upload","security.eyebrow":"Seguridad","security.intro":"Kung paano pinoprotektahan ng Unified Loan System ang file ng isang borrower, sa simpleng salita at nang buo. Bawat nakasulat dito ay sinuri laban sa tumatakbong platform bago isulat; ang hindi masuri ay inaalis sa halip na palambutin.","security.diagramTitle":"Saan napupunta ang iyong impormasyon","security.diagramBorrower":"Ikaw","security.diagramTransit":"Naka-encrypt habang ipinapadala","security.diagramFile":"Ang hiwalay na file ng iyong brokerage","security.diagramLogged":"Naitatala ang bawat pag-access","

1security.specTitle":"Ang buong espesipikasyon","security.vendorSentence":"May SOC 2 Type II na ulat ang aming mga kasosyo sa hosting at data. Ang Unified Loan System mismo ay hindi pa nakakatapos ng SOC 2 audit.","security.omittedNote":"Ang hindi namin ma-verify ay hindi inilalagay sa pahinang ito, at hindi kailanman binabago ang salita para lang mapanatili ito.","binfo.uwSubmittedEyebrow":"Naisumite","binfo.uwSubmittedTitle":"Naisumite na ang iyong file","binfo.uwSubmittedBody":"Sinusuri ng iyong loan officer ang iyong file at isusumite ito sa iyong lender. Ipapaalam namin sa iyo sa sandaling may update.","binfo.uwReviewEyebrow":"Sinusuri","binfo.uwReviewTitle":"Sinusuri ang iyong file","binfo.uwReviewBody":"Inihahanda ng iyong loan officer ang iyong file para sa iyong lender. Aabisuhan ka namin sa sandaling may update.","binfo.uwSeniorEyebrow":"Senior underwriter","binfo.uwUnderwriterEyebrow":"Pagsusuri ng underwriter","binfo.uwSeniorTitle":"Pagsusuri ng senior underwriter","binfo.uwUnderwriterTitle":"Sinusuri ang aplikasyon","binfo.uwSeniorBody":"Huling pagsusuri ng iyong mga nalutas na kundisyon. Aabisuhan ka namin sa sandaling i-sign off nila — kadalasan sa loob ng 1–2 araw ng negosyo.","binfo.uwUnderwriterBody":"May totoong tao na underwriter na sumusuri sa iyong file. Aabisuhan ka namin sa mismong sandaling may bagong kundisyon o maaprubahan ang file.","binfo.uwClearEyebrow":"Clear to close","binfo.uwClearTitle":"Clear to close ka na!","binfo.uwClearBody":"Binabati kita — na-sign off na ang bawat kundisyon. Makikipag-ugnayan ang iyong loan officer tungkol sa logistics ng pagsasara sa loob ng 24 oras.","binfo.actionRequired":"Kailangan ng aksyon","binfo.conditionToClearOne":"{count} kundisyon na kailangang ayusin","binfo.conditionsToClear":"{count} na kundisyon na kailangang ayusin","binfo.uwConditionsBody":"May nakitang ilang item ang underwriter na kailangan ng backup. I-upload ang bawat hiniling na dokumento sa ibaba — patuloy na gagalaw ang iyong loan sa sandaling maayos ang lahat.","binfo.fromUnderwriter":"Mula sa underwriter","binfo.newRequirements":"Mga bagong requirement","binfo.initialAusFindings":"Mga paunang resulta ng AUS","binfo.fromAutomatedUnderwriter":"Mula sa automated underwriter","binfo.readyToResubmit":"Handa nang i-resubmit","binfo.almostThere":"Malapit na","binfo.allConditionsSatisfied":"Lahat ng kundisyon ay natupad","binfo.conditionRemainingOne":"{count} kundisyon na natitira","binfo.conditionsRemaining":"{count} na kundisyon na natitira","binfo.resubmitReadyBody":"Ibalik ang file sa underwriter para sa panghuling sign-off. Karaniwan silang nag-a-approve sa loob ng 1–2 araw ng negosyo.","binfo.resubmitPendingBody":"I-upload ang natitirang mga item sa itaas. Awtomatikong mag-a-unlock ang button kapag natupad na ang lahat.","binfo.submitUpdatesForReview":"Isumite ang mga update para suriin","binfo.onFile":"Nasa file","binfo.documentSubmittedOne":"{count} dokumento na naisumite na","binfo.documentsSubmitted":"{count} na dokumento na naisumite na","binfo.fileCountOne":"{count} file","binfo.fileCount":"{count} na file","binfo.verified":"Na-verify","binfo.underReview":"Sinusuri","binfo.satisfied":"Natupad","binfo.typeOrDictate":"I-type o i-dictate ang iyong paliwanag sa ibaba","binfo.explanationSubmitted":"Naisumite ang paliwanag","binfo.explainPlaceholder":"Ipaliwanag ang sitwasyon sa iyong loan officer…","binfo.listening":"Nakikinig…","binfo.submitExplanation":"Isumite ang paliwanag","binfo.uploadToSatisfy":"Mag-upload para matupad ang kundisyong ito","binfo.analyzingApplication":"Sinusuri ang iyong aplikasyon…","binfo.aiUnderwriterReviewing":"Sinusuri ng aming AI underwriter ang iyong mga dokumento.","binfo.underwritingCleared":"Na-clear na ang underwriting","binfo.approvedLoanOptions":"Ang iyong mga aprubadong opsyon sa loan","binfo.loanOptionsSubtitle":"Batay sa iyong kita, utang, at kredito, narito ang bawat programa na kwalipikado ka. I-adjust ang down payment slider sa ibaba — live na nire-repricing ang bawat tile.","binfo.metricMonthlyIncome":"Buwanang kita","binfo.metricMonthlyDebts":"Buwanang utang","binfo.metricDtiRatio":"DTI ratio","binfo.metricAboveConvCap":"Lampas sa conventional cap","binfo.metricWithinConvLimits":"Nasa loob ng conventional limits","binfo.metricLtvRatio":"LTV ratio","binfo.metricPmiApplies":"Karaniwang may PMI","binfo.metricBelowPmiThreshold":"Mas mababa sa PMI threshold","binfo.downPayment":"Down payment","binfo.adjustLiveRepricing":"I-adjust para makita ang live na re-pricing","binfo.sliderMinFha":"3% (min FHA)","binfo.sliderNoPmi":"20% (walang PMI)","binfo.eligiblePrograms":"{count} na kwalipikadong programa","binfo.bestMatch":"Pinakabagay","binfo.programLabel":"Programa","binfo.rateLabel":"Rate","binfo.thirtyYrFixed":"30-taong fixed","binfo.programTerm":"Termino","binfo.thirtyYears":"30 taon","binfo.estMonthlyPi":"Tinatayang buwanang P&I","binfo.providedAtLock":"Ibibigay sa pag-lock","binfo.selectThisLoan":"Piliin ang loan na ito","binfo.lowestPayment":"Pinakamababang bayad para sa iyong sitwasyon","binfo.wantSecondOpinion":"Gusto mo ng second opinion?","binfo.notSureWhichToPick":"Hindi sigurado kung alin ang pipiliin?","binfo.loTradeoffsBody":"Maipapaliwanag ng iyong loan officer ang mga trade-off sa loob ng 5 minuto — bayad vs. cash to close, fixed vs. ARM, kung kailan talaga sulit ang pagbabayad ng points.","brate.noApplicationTitle":"Wala pang aplikasyon","brate.noApplicationBody":"Simulan ang iyong aplikasyon mula sa dashboard. Kapag isinusulong na ito, maipapaliwanag sa iyo ng iyong loan officer ang iyong rate at mga opsyon.","brate.rateSheetTitle":"Live na wholesale rates","brate.rateSheetSubtitle":"Pinakamahusay na presyong available sa aming network ng nagpapautang. Ang iyong personalized na rate ay nakadepende sa credit, LTV, occupancy, at programa — magsimula ng aplikasyon para sa tunay na quote.","brate.rateSheetTableTag":"Pinakamahusay na rate kada programa","brate.asOf

1Updated":"Na-update","brate.marketAverageTitle":"Pambansang average na mortgage rates","brate.marketAverageSubtitle":"Ang lingguhang Primary Mortgage Market Survey ng Freddie Mac — ang pambansang average na nakikita ng karaniwang nanghihiram, hindi personalized na quote. Pinepresyuhan namin ang iyong tunay na sitwasyon sa sandaling mag-apply ka.","brate.marketAverageTableTag":"Pambansang average \xb7 Freddie Mac PMMS","brate.asOfWeekOf":"Linggo ng","brate.defaultTitle":"Mga mortgage rate ngayon","brate.defaultSubtitle":"Naililimbag dito ang live na presyo habang nag-a-update ang aming network ng nagpapautang. Samantala, kumuha ng personalized na quote sa loob ng ilang minuto — walang credit pull para magsimula.","brate.eyebrowMortgageRates":"Mga mortgage rate","brate.personalizedHeading":"Personalized ang iyong rate","brate.personalizedBody":"Walang iisang “rate ngayon.” Ang iyong rate ay nakadepende sa iyong credit, halaga ng loan, down payment, ari-arian, at programa. Magsimula ng aplikasyon at pepresyuhan ng loan officer ang iyong tunay na sitwasyon — walang credit pull para magsimula.","brate.ctaPersonalizedQuote":"Kunin ang iyong personalized na quote","brate.ctaTalkToLoanOfficer":"Makipag-usap sa loan officer","brate.rateActionsLabel":"Mga aksyon sa rate","brate.alertsEyebrow":"Bantayan ang merkado","brate.alertsTitle":"Mga alerto sa rate","brate.alertsBodyOff":"Sabihin sa amin ang iyong target at mag-e-email kami kapag sulit nang mag-usap. Walang ingay — kapaki-pakinabang na alerto lang.","brate.alertsBodyOn":"Sabihin sa amin ang iyong target na rate at mag-e-email kami sa sandaling bumaba ang anumang programa nang mas mababa rito. Walang ingay — kapaki-pakinabang na alerto lang.","brate.alertsCta":"Mag-set up 

1ng alerto","brate.lockEyebrowOff":"Protektahan ang iyong rate","brate.lockEyebrowOn":"Protektahan ang rate ngayon","brate.lockTitle":"I-lock ito","brate.lockBodyOff":"Kapag napresyuhan ka na, maaaring i-lock ng iyong loan officer ang iyong rate habang tinatapos ang iyong file.","brate.lockBodyOn":"Nagustuhan mo ang nakikita mo? Maaaring i-lock ng iyong loan officer ang rate nang hanggang 60 araw habang tinatapos ang iyong file.","brate.lockCta":"Humiling ng rate lock","brate.adviceEyebrow":"Makipag-usap sa tao","brate.adviceTitle":"Payo ng eksperto","brate.adviceBody":"Hindi sigurado kung aling programa ang bagay — VA, FHA, conventional, ARM? Mag-message sa iyong loan officer at kumuha ng tunay na sagot.","brate.adviceCta":"Mag-message sa iyong loan officer","brate.whyNoSingleRateTitle":"Bakit hindi kami nag-post ng iisang rate","brate.whyNoSingleRateBody":"Ang isang rate na hindi mo talaga magagamit ay hindi kapaki-pakinabang. Ang iyong tunay na rate ay nagbabago ayon sa credit, LTV, occupancy, uri ng ari-arian, mga pagpipilian sa escrow, at ang underlying secondary-market trade ng programa. Kapag nagsimula ka ng aplikasyon, pinepresyuhan namin ang iyong tunay na sitwasyon at hahawakan ng iyong loan officer ang rate kasama mo.","brate.close":"Isara","brate.finishApplicationTitle":"Tapusin muna ang iyong aplikasyon","brate.finishApplicationBodyOff":"Upang mapresyuhan ang iyong personalized na rate, kailangan namin ng ilang detalye mula sa iyong aplikasyon sa loan (ang 1003). Ilang minuto lang ito — maaari kang mag-save at magpatuloy anumang oras.","brate.finishApplicationBodyOn":"Upang maipakita ang iyong personalized na rate, kailangan namin ng ilang detalye mula sa iyong aplikasyon sa loan (ang 1003). Ilang minuto lang ito — maaari kang mag-save at magpatuloy anumang oras.","brate.startApplication":"Simulan ang aplikasyon","brate.eyebrowTodaysRates":"Mga rate ngayon","brate.fetchingPricing":"Kinukuha ang pinakabagong presyo…","brate.livePricing":"Live na presyo","brate.ctaCustomRate":"Kunin ang iyong custom na rate","brate.loadingRates":"Niloload ang mga rate…","brate.todaysRateSheet":"Rate sheet ngayon","brate.ratesHeading":"Mga rate","brate.asOf":"Sa {date}","brate.tableCaption":"Live na mortgage rate sheet","brate.colLoanProgram":"Programa ng loan","brate.colRate":"Rate","brate.colPoints":"Points","brate.colEstPayment":"Tinatayang bayad*","brate.colActions":"Mga aksyon","brate.mobileListLabel":"Mga programa ng mortgage rate","brate.statPmtPerMo":"Bayad/buwan","brate.apply":"Mag-apply","brate.estPaymentFootnote":"* Tinatayang buwanang principal at interes sa loan na {amount} sa ipinapakitang rate. Hindi kasama ang buwis, insurance, at PMI. Ang iyong tunay na rate ay nakadepende sa credit, LTV, occupancy, at pagiging kwalipikado sa programa.","brate.whyDiffersTitle":"Bakit maaaring mag-iba ang iyong rate sa talahanayan","brate.whyDiffersBody":"Ang mga numero sa itaas ay reperensiya sa merkado, hindi personalized na quote. Ang iyong rate ay nagbabago ayon sa credit, LTV, occupancy, uri ng ari-arian, mga pagpipilian sa escrow, at ang underlying secondary-market trade ng programa. Kapag nagsimula ka ng aplikasyon, muli naming pinepresyuhan ayon sa iyong tunay na sitwasyon.","brate.loadingTodaysRates":"Niloload ang mga rate ngayon…","brate.emptyTitle":"Paparating na ang live na presyo","brate.emptyBody":"Naililimbag dito ang mga rate ngayon habang nag-a-update ang aming network ng nagpapautang. Samantala, kumuha ng rate na angkop sa iyong sitwasyon — ilang minuto lang ito at walang credit pull para magsimula.","brate.emptyCta":"Kumuha ng personalized na quote","bchat.suggestBorrowerAfterSubmit":"Ano ang mangyayari pagkatapos kong isumite ang aking aplikasyon?","bchat.suggestBorrowerUnderwritingTime":"Gaano katagal karaniwang tumatagal ang underwriting?","bchat.suggestBorrowerClosingDocs":"Anong mga dokumento ang kakailanganin ko sa pagsasara?","bchat.suggestBorrowerRateDetermined":"Paano natutukoy ang aking interest rate?","bchat.suggestBrokerLoansAtRisk":"Aling mga loan ang nasa panganib?","bchat.suggestBrokerNotContacted":"Sino ang hindi pa nakontak sa loob ng isang linggo?","bchat.suggestBrokerStatusUpdate":"Gumawa ng draft ng status update para sa aking pinakamatandang file","bchat.suggestBrokerPipelineSummary":"Ibuod ang aking pipeline ayon sa yugto","bchat.welcomeBroker":"Tanungin mo ako tungkol sa iyong pipeline.","bchat.heroTitleBroker":"Kumusta, ako si Breeze. Paano kita matutulungan sa iyong pipeline?","bchat.welcomeBorrower":"Tanungin mo ako tungkol sa iyong aplikasyon.","bchat.heroTitleBorrower":"Kumusta, ako si Breeze. Paano kita matutulungan sa iyong aplikasyon?","bchat.prettyApplication":"iyong aplikasyon","bchat.prettyLoans":"iyong mga loan","bchat.prettyDocuments":"iyong mga dokumento","bchat.prettyDashboard":"iyong dashboard","bchat.prettyHelpPage":"ang help page","bchat.prettyAccount":"iyong account","bchat.prettyPipeline":"iyong pipeline","bchat.prettyPeopleList":"iyong listahan ng mga tao","bchat.prettyOutreach":"outreach","bchat.prettyAnalytics":"analytics","bchat.prettySettings":"mga setting","bchat.prettyAdmin":"admin","bchat.backTo":"Bumalik sa {name}","bchat.mortgageAi":"Mortgage AI","bchat.loadingYourChat":"Nilo-load ang iyong chat…","bchat.brokerFooter":"Ang iyong pipeline. Ang iyong boses. Ang iyong Breeze — ginawa para sa mga broker na mas marami ang nasasara.","bchat.copied":"Nakopya ang {label}!","bchat.labelPhone":"Telepono","bchat.labelEmail":"Email","bchat.loanOfficer":"Loan Officer","bchat.noteHeading":"Tala","bchat.urgentNote":"Para sa mga apurahang bagay tungkol sa pag-ex

1pire ng iyong lock rate, mangyaring tumawag nang direkta sa linya ng opisina.","bchat.prefillRateAlert":"Kumusta — gusto kong mag-set up ng rate alert. Ang target rate ko ay X.XX% sa [program]. Maaari mo ba akong i-ping sa sandaling maabot natin ito?","bchat.prefillRateLock":"Kumusta — gusto kong mag-lock ng rate. Aling mga programa ang pinakamaganda para sa aking profile ngayon, at anong mga lock period ang available?","bchat.prefillAdvice":"Kumusta — maaari mo bang ipaliwanag sa akin kung aling loan program ang pinaka-angkop sa aking sitwasyon? Pinagtitimbang ko ang FHA / VA / conventional / ARM at gusto ko sanang malaman ang iyong opinyon.","bchat.sentAttachment":"\uD83D\uDCC1 Naipadala ang attachment: {name}","bchat.fileSentSuccess":"Matagumpay na naipadala ang file!","bchat.transcriptCopied":"Nakopya sa clipboard ang transcript ng chat","bchat.dateToday":"Ngayon","bchat.dateYesterday":"Kahapon","bchat.searchPlaceholder":"Maghanap ng mga mensahe...","bchat.refreshChat":"I-refresh ang Chat","bchat.copyTranscript":"Kopyahin ang Transcript","bchat.noMessagesMatching":'Walang nahanap na mensaheng tumutugma sa "{query}"',"bchat.noMessagesYet":"Wala pang mga mensahe","bchat.emptyStartConversation":"Magsimula ng pag-uusap sa iyong Loan Officer para magtanong o makakuha ng mga update.","bchat.attachFile":"Mag-attach ng File","bchat.typeAMessage":"Mag-type ng mensahe...","bchat.defaultBrokerName":"Aking Broker","bchat.broker":"Broker","bchat.yourBroker":"Iyong Broker","bchat.online":"Online","bchat.typicalReplyTime":"Karaniwang oras ng pagtugon: 1 oras","bchat.startConversationBroker":"Magsimula ng pag-uusap sa iyong broker!","bmisc.eyebrowBorrower":"Nanghihiram","bmisc.signIn":"Mag-sign in","bmisc.loading":"Naglo-load…","bmisc.emailAddress":"Email address","bmisc.emailPlaceholder":"[email protected]","bmisc.forgotTitle":"I-reset ang iyong password","bmisc.forgotSubtitle":"Ilagay ang iyong email at magpapadala kami ng reset link. Mag-e-expire ito sa loob ng 1 oras.","bmisc.forgotRememberedIt":"Naalala mo na?","bmisc.forgotSentSuccess":"Kung naka-file ang email na iyon, paparating na ang reset link. Tingnan ang iyong inbox (at spam folder).","bmisc.forgotSendAnother":"Magpadala ng isa pa","bmisc.forgotSendResetLink":"Magpadala ng reset link","bmisc.forgotErrorGeneric":"May nangyaring mali. Pakisubukan muli.","bmisc.forgotErrorNetwork":"Hindi naipadala ang reset email. Tingnan ang iyong koneksyon at subukan muli.","bmisc.resetInvalidTitle":"Hindi wastong link","bmisc.resetInvalidSubtitle":"Kulang sa kinakailangang parameter ang password reset link na ito.","bmisc.resetRequestNewLink":"Humiling ng bagong link","bmisc.resetInvalidBody":"Mukhang sira o kulang ang link na ito. Pakihiling ng bagong reset link.","bmisc.resetPasswordsMismatch":"Hindi tugma ang mga password.","bmisc.resetCouldNotReset":"Hindi na-reset ang password. Maaaring nag-expire na ang link na ito.","bmisc.resetNetworkError":"May nangyaring mali. Tingnan ang iyong koneksyon at subukan muli.","bmisc.resetDoneTitle":"Na-update ang password","bmisc.resetChooseTitle":"Pumili ng bagong password","bmisc.resetDoneSubtitle":"Nabago na ang iyong password. Naka-sign out na ang lahat ng kasalukuyang session.","bmisc.resetChooseSubtitle":"Pumili ng malakas na password — hindi bababa sa 8 character.","bmisc.resetSignInNewPassword":"Mag-sign in gamit ang iyong bagong password","bmisc.resetLinkExpired":"Nag-expire ang link?","bmisc.resetRequestNewOne":"Humiling ng bago","bmisc.resetDoneAlert":"Matagumpay na na-update ang password. Mag-sign in sa ibaba para bumalik sa iyong loan.","bmisc.resetNewPasswordLabel":"Bagong password","bmisc.resetNewPasswordPlaceholder":"Hindi bababa sa 8 character","bmisc.resetConfirmLabel":"Kumpirmahin ang password","bmisc.resetConfirmPlaceholder":"Muling ilagay ang password","bmisc.resetUpdatePassword":"I-update ang password","bmisc.verifyEyebrow":"Pag-verify ng email","bmisc.verifyConfirming":"Kinukumpirma ang iyong email…","bmisc.verifyTitleSuccess":"Na-verify ka na","bmisc.verifyTitleError":"Hindi makumpirma ang email","bmisc.verifyIsConfirmed":"ay nakumpirma na.","bmisc.verifyMissingToken":"Kulang sa verification token ang link na ito. Humiling ng bago sa ibaba.","bmisc.verifyConfirmedMsg":"Nakumpirma na ang iyong email. Maligayang pagdating.","bmisc.verifyCouldNotConfirm":"Hindi namin makumpirma ang link na ito. Maaaring nag-expire na ito.","bmisc.verifyNetworkError":"May network error habang nag-ve-verify. Subukan muli mamaya.","bmisc.verifyEnterValidEmail":"Maglagay muna ng wastong email.","bmisc.verifyResendSent":"Naipadala na. Tingnan ang iyong inbox (at spam folder).","bmisc.verifyResendFailed":"Hindi maipadala muli sa ngayon.","bmisc.verifySignedInAsBefore":"Naka-sign in ka bilang","bmisc.verifySignedInAsAfter":"— mag-sign out para gamitin ang account na kakaverify mo lang.","bmisc.verifySignOutAndSwitch":"Mag-sign out at magpalit","bmisc.verifyStaySignedIn":"Manatiling naka-sign in bilang {email}","bmisc.verifyContinueSignIn":"Magpatuloy sa pag-sign in","bmisc.verifyAutoRedirecting":"Awtomatikong magre-redirect sa {countdown}s…","bmisc.verifySendFreshLink":"Magpadala ng bagong link","bmisc.verifySending":"Nagpapadala…","bmisc.verifyResend":"Ipadala muli","bmisc.verifySignInInstead":"Mag-sign in na lang","bmisc.verifyWrongEmailSignUp":"Maling email? Mag-sign up muli","bmisc.notifTitle":"Mga notification","bmisc.notifOfflineCached":"Offline — ipinapakita ang iyong huling 20 naka-cache na notification.","bmisc.notifOfflineStale":"Offline ka — maaaring hindi pinakabago ang mga notification.","bmisc.notifUnreadSwipe":"{unread} hindi pa nababasa — mag-swipe pakanan para markahang nabasa na","bmisc.notifAllCaughtUp":"Wala nang bago","bmisc.notifMarkAllRead":"Markahang nabasa lahat","bmisc.notifFilter_all":"lahat","bmisc.notifFilter_unread":"hindi pa nababasa","bmisc.notifFilter_loan":"loan","bmisc.notifFilter_document":"dokumento","bmisc.notifFilter_compliance":"compliance","bmisc.notifEmptyAll":"Wala pang notification.","bmisc.notifEmptyFiltered":"Walang {filter} notification.","bmisc.notifToday":"Ngayon","bmisc.notifYesterday":"Kahapon","bmisc.coEyebrow":"Co-borrower","bmisc.coInviteEyebrow":"Imbitasyon para sa co-borrower","bmisc.coLoadingTitle":"Naglo-load ang imbitasyon…","bmisc.coInvalidLink":"Hindi wastong invitation link","bmisc.coAcceptFailed":"Hindi natanggap ang imbitasyon","bmisc.coUnavailableTitle":"Hindi available ang imbitasyon","bmisc.coUnavailableSubtitle":"Hindi na wasto ang link na ito.","bmisc.coUnavailableBody":"Hilingin sa pangunahing nanghihiram na magpadala ng bagong imbitasyon. Ang bawat link ay isang beses lang gamitin at wasto sa loob ng 7 araw.","bmisc.coReturnHome":"Bumalik sa home","bmisc.coExpiredTitle":"Nag-expire ang imbitasyon","bmisc.coExpiredBody":"Lumampas na sa 7-araw na window ang imbitasyong ito. Hilingin kay {name} na magpadala ng bago.","bmisc.coRevokedTitle":"Binawi ang imbitasyon","bmisc.coRevokedBody":"Binawi ng pangunahing nanghihiram ang imbitasyong ito. Kung pagkakamali iyon, hilingin kay {name} na magpadala ng bago.","bmisc.coAlreadyAcceptedTitle":"Tinanggap na","bmisc.coAlreadyAcceptedBody":"Tinanggap na ang imbitasyong ito. Mag-sign in para ituloy ang iyong aplikasyon.","bmisc.coWrongAccountTitle":"Maling account","bmisc.coWrongAccountSubtitle":"Naipadala ang imbitasyon sa ibang email.","bmisc.coWrongAccountBefore":"Naka-sign in ka bilang","bmisc.coWrongAccountMiddle":", ngunit ang imbitasyong ito ay ipinadala sa","bmisc.coWrongAccountAfter":". Mag-sign out at mag-sign in gamit ang inimbitahang email para tanggapin.","bmisc.coSigningOut":"Nagsa-sign out…","bmisc.coSwitchAccounts":"Magpalit ng account","bmisc.coInviteTitle":"Inimbitahan ka ni {name} sa kanilang aplikasyon para sa mortgage","bmisc.coSomeone":"May isang tao","bmisc.coInviteSubtitleBefore":"Idinagdag ka bilang","bmisc.coInviteSubtitleAfter":"sa isang aplikasyon para sa loan. I-click ang nasa ibaba para gumawa ng account o mag-sign in.","bmisc.coDetailInvitedBy":"Inimbitahan ni","bmisc.coUnknown":"(hindi alam)","bmisc.coDetailYourRole":"Ang iyong tungkulin","bmisc.coDetailSentTo":"Ipinadala kay","bmisc.coDetailExpiresIn":"Mag-e-expire sa","bmisc.coDayOne":"{n} araw","bmisc.coDayMany":"{n} araw","bmisc.coWhatNextTitle":"Ano ang susunod na mangyayari?","bmisc.coWhatNextBody":"Pagkatapos tanggapin, dadalhin ka sa aplikasyon para sa loan para punan ang iyong seksyon — kita, trabaho, mga ari-arian, at ang parehong mga tanong sa pagkakakilanlan 

1na sinagot ni {name}. Hindi namin kailanman ibinabahagi ang iyong impormasyon sa sinumang nasa labas ng aplikasyon para sa loan.","bmisc.coCreateAccount":"Gawin ang aking account","bmisc.coHaveAccount":"May account na ako","bmisc.coAccepting":"Tinatanggap…","bmisc.coAcceptInvitation":"Tanggapin ang imbitasyon","bsharedA.autofilledFromLastLoan":"Awtomatikong napunan mula sa iyong huling loan","bsharedA.lastLoan":"Huling loan","bsharedA.clearAutofilledValue":"I-clear ang awtomatikong napunan na halaga para sa {fieldKey}","bsharedA.aiLoanAdvisor":"AI Loan Advisor","bsharedA.askAboutYourLoan":"Magtanong tungkol sa iyong loan...","bsharedA.send":"Ipadala","bsharedA.biometricDeleteError":"Hindi matanggal ang biometric data","bsharedA.biometricNoneOnFile":"Walang biometric data sa file — walang dapat tanggalin.","bsharedA.biometricDeletedOne":"Tinanggal ang {count} verification record.","bsharedA.biometricDeletedMany":"Tinanggal ang {count} verification records.","bsharedA.deleteBiometricData":"Tanggalin ang biometric data","bsharedA.biometricExplainer":"Nagsasagawa ang Unified Loan System ng face-match na pagpapatunay ng pagkakakilanlan upang ipagtanggol ka laban sa wire fraud sa pagsasara. Maaari kang humiling ng agarang pagtanggal ng iyong mga larawan ng mukha at ng na-extract na face crop anumang oras. Ang metadata ng pagpapatunay (isang numeric na similarity score at audit log kung kailan tumakbo ang check) ay pinananatili para sa mga kinakailangan sa pag-iingat ng record ng mortgage.","bsharedA.biometricConfirm":"Sigurado ka ba? Hindi na ito maibabalik.","bsharedA.deleting":"Tinatanggal…","bsharedA.yesDelete":"Oo, tanggalin","bsharedA.couldNotLoadConditions":"Hindi ma-load ang iyong mga kundisyon.","bsharedA.tryAgain":"Subukang muli","bsharedA.blockingYourLoan":"Humaharang sa iyong loan","bsharedA.seeAllConditions":"Tingnan ang lahat ng kundisyon","bsharedA.brokeredBy":"Brokered ni","bsharedA.backupCardRemoveConfirm":"Alisin ang payment card na nasa file? Hindi na ito masisingil ng iyong broker para sa anumang gastusin ng third party. Maaari kang mag-save ng bagong card sa bandang huli kung kinakailangan.","bsharedA.backupCardRemoveError":"Hindi maalis ang card","bsharedA.backupCardRemovedTitle":"Naalis ang card","bsharedA.backupCardRemovedMsg":"Natanggal na ang payment card na nasa file.","bsharedA.paymentCardOnFile":"Payment card na nasa file","bsharedA.backupCardHeldDesc":"Hawak bilang backup. Hindi ito sisingilin maliban kung hindi magsara ang iyong loan, at para lamang sa aktwal na gastusin na binayaran para sa iyo.","bsharedA.cardGeneric":"Card","bsharedA.cardEnding":"{brand} nagtatapos sa {last4}","bsharedA.cardSavedAuthorized":"Na-save {date} \xb7 Awtorisado hanggang {amount}","bsharedA.backupCardNoAuth":"Hindi pa naitatala ng iyong broker ang iyong nakasulat o nairecord na awtorisasyon. Hangga't hindi iyon nangyayari, hindi masisingil ang iyong card.","bsharedA.removing":"Inaalis…","bsharedA.removeCardOnFile":"Alisin ang card na nasa file","bsharedA.backupCardRemoveNote":"Maaari mong alisin ang card na ito anumang oras. Kung may singil na nasimulan na, hindi ito mababaliktad ng pag-alis; makipag-ugnayan sa iyong broker.","bsharedA.checkingDisclosureStatus":"Sinusuri ang status ng disclosure…","bsharedA.closingDisclosureReady":"Handa na ang Closing Disclosure","bsharedA.versionLabel":"Bersyon {version}","bsharedA.issuedOn":"Inisyu {date}","bsharedA.reviewed":"Nasuri na","bsharedA.actionNeeded":"Kailangan ng aksyon: {title}","bsharedA.earliestLegalClosingDate":"Pinakmaagang legal na petsa ng closing: {date}","bsharedA.daysFromTodayOne":"({days} araw mula ngayon)","bsharedA.daysFromTodayMany":"({days} araw mula ngayon)","bsharedA.threeBusinessDayNotice":". Hinihiling ng pederal na batas ang 3 araw ng negosyo sa pagitan ng disclosure at pagpirma — gamitin ang panahong ito upang maingat na suriin ang dokumento at magtanong bago ang closing.","bsharedA.cashToClose":"Cash to close","bsharedA.whatYoullBringToClosing":"ang dadalhin mo sa closing","bsharedA.reviewYourClosingDisclosure":"Suriin ang iyong Closing Disclosure","bsharedA.todayIsClosingDay":"Ngayon ang araw ng closing","bsharedA.oneDayUntilClosing":"1 araw na lang bago ang closing","bsharedA.daysUntilClosing":"{days} araw na lang bago ang closing","bsharedA.closingPreparation":"Paghahanda s

1a closing","bsharedA.closingPortal":"Closing portal","bsharedA.openClosingPortal":"Buksan ang closing portal","bsharedA.skipTour":"Laktawan ang tour","bsharedA.welcomeToVerispect":"Maligayang pagdating sa Unified Loan System","bsharedA.tourHeadlineNamed":"Kumusta {name} — simulan natin","bsharedA.tourHeadlineGeneric":"Simulan natin","bsharedA.tourHeadlineHighlight":"ang pag-usad ng iyong loan.","bsharedA.tourSubtitle":"Isang 60-segundong walkthrough ng dashboard, application, at document center — upang alam mo kung nasaan ang lahat bago ka magsimula.","bsharedA.stat100Digital":"100% digital","bsharedA.statNoPaper":"Walang papel, walang fax","bsharedA.statBankGrade":"Bank-grade na seguridad","bsharedA.statGlba":"GLBA + 256-bit","bsharedA.statAvgClose":"~30 araw na average na closing","bsharedA.statFromApplication":"Mula sa application","bsharedA.yourLoanEndToEnd":"Ang iyong loan, mula simula hanggang katapusan","bsharedA.stageApply":"Mag-apply","bsharedA.stageVerify":"Patunayan","bsharedA.stageUnderwrite":"Underwrite","bsharedA.stageDisclose":"Magbunyag","bsharedA.stageClose":"Magsara","bsharedA.inTheTourWellSpotlight":"Sa tour, ita-tampok namin ang","bsharedA.highlightDashboardLabel":"Ang iyong dashboard","bsharedA.highlightDashboardDesc":"Status panel + mga bukas na kahilingan","bsharedA.highlightRatesLabel":"Mga rate ngayon","bsharedA.highlightRatesDesc":"Live na rate sheet + mga alerto","bsharedA.highlightCalculatorsLabel":"Mga calculator","bsharedA.highlightCalculatorsDesc":"Bayad + affordability","bsharedA.highlightAppDocsLabel":"Application + mga dokumento","bsharedA.highlightAppDocsDesc":"1003 wizard + upload","bsharedA.highlightLoanOptionsLabel":"Mga opsyon sa loan","bsharedA.highlightLoanOptionsDesc":"Mga programa na kwalipikado ka","bsharedA.highlightSettingsLabel":"Mga setting ng account","bsharedA.highlightSettingsDesc":"Mga notification + privacy","bsharedA.exploreOnMyOwn":"Mag-e-explore ako mag-isa","bsharedA.watchVideoTour":"Panoorin ang video tour","bsharedA.loadingYourDashboard":"Nilo-load ang iyong dashboard…","bsharedA.stopAnytimeWith":"Huminto anumang oras gamit ang","bsharedA.orClickingOutside":"o sa pamamagitan ng pag-click sa labas ng spotlight.","bsharedA.pricingSendError":"Hindi maipadala: {error}","bsharedA.pricingSendErrorFallback":"pakisubukang muli, o tawagan ang iyong loan officer","bsharedA.letsTalkAboutYourRate":"Pag-usapan natin ang iyong rate","bsharedA.pricingRateExplainer":"Ang iyong rate ay nakadepende sa iyong buong larawang pampinansyal at gumagalaw kasabay ng merkado araw-araw. Sa halip na magpakita ng numerong hindi mo mahawakan, presyuhan ng iyong loan officer ang iyong loan kasama ang nagpapautang at ipapaliwanag sa iyo ang iyong totoong mga opsyon — at makukuha mo ang iyong rate nang nakasulat sa iyong Loan Estimate.","bsharedA.noSurpriseNumbers":"Walang nakakagulat na numero — isa lamang totoong quote mula sa totoong tao.","bsharedA.messageSentToLoanOfficer":"Naipadala ang mensahe sa iyong loan officer","bsharedA.followUpDirectly":"Direkta silang makikipag-ugnayan sa iyo. Para sa anumang madaliang bagay, tawagan o i-email sila gamit ang card sa itaas.","bsharedA.sendAnotherMessage":"Magpadala ng isa pang mensahe","bsharedA.askAboutRateOrOptions":"Magtanong tungkol sa iyong rate o mga opsyon","bsharedA.sendQuestionGetBack":"Magpadala ng tanong sa iyong loan officer at sila ay babalik sa iyo.","bsharedA.pricingMessagePlaceholder":"Kumusta, gusto kong maunawaan ang aking rate at mga opsyon sa buwanang bayad para sa...","bsharedA.sending":"Ipinapadala…","bsharedA.sendToLoanOfficer":"Ipadala sa loan officer","bsharedA.generalQuestionAssistant":"May pangkalahatang tanong tungkol sa proseso? I-tap ang assistant sa sulok — maipapaliwanag nito ang mga hakbang at dokumento, ngunit ang iyong loan officer ang humahawak sa anumang tungkol sa iyong partikular na rate o pag-apruba.","bsharedA.wholesalePricing":"Wholesale Pricing","bsharedA.todaysPricing":"Pricing Ngayon","bsharedA.todaysPricingSubtitle":"Ang pricing ngayon mula sa wholesale rate sheets ng iyong broker, kinwenta laban sa iyong partikular na loan scenario. Kausapin ang iyong broker tungkol sa pag-lock ng rate na n

1ababagay sa iyo.","bsharedA.pullingTodaysPricing":"Kinukuha ang pricing ngayon…","bsharedA.noAccessToLoan":"Wala kang access sa loan na ito.","bsharedA.pricingFailedToLoad":"Nabigong ma-load ang pricing.","bsharedA.noEligibleProducts":"Walang kwalipikadong produkto sa ngayon","bsharedA.noEligibleProductsBody":"Walang nagpapautang sa file na may produktong tumutugma sa iyong sitwasyon. Makipag-ugnayan sa iyong broker — masusuri nila ang iyong application at matitingnan ang karagdagang mga programa ng nagpapautang.","bsharedA.yourBestParRate":"Ang Iyong Pinakamahusay na Par Rate","bsharedA.noDiscountPointsSuffix":"— walang discount points","bsharedA.onAProduct":"sa isang {product}","bsharedA.rateLockTagline":"{days}-araw na rate lock \xb7 wholesale pricing ng iyong broker \xb7 walang ibabayad nang paunang","bsharedA.estimatedMonthlyPI":"Tinatayang buwanang P&I","bsharedA.discountPoints":"Discount points","bsharedA.none":"Wala","bsharedA.finalPrice":"Panghuling presyo","bsharedA.pricingThisScenario":"Pinepresyo ang sitwasyong ito","bsharedA.scenarioLoan":"Loan","bsharedA.scenarioProperty":"Ari-arian","bsharedA.scenarioOccupancy":"Okupasyon","bsharedA.scenarioPurpose":"Layunin","bsharedA.allAvailableProducts":"Lahat ng Magagamit na Produkto","bsharedA.allAvailableProductsDesc":"Ang par rate (walang points) at ang pinakamababang buy-down rate (binabayaran gamit ang discount points sa closing) para sa bawat produkto na maaaring ialok ng iyong broker.","bsharedA.rateLadder":"Hagdan ng rate","bsharedA.rateLadderSubtitle":"Naka-sort ayon sa note rate, pinakamababa muna. Ang mas mababang rate ay nangangailangan ng pagbili ng points sa closing.","bsharedA.colProduct":"Produkto","bsharedA.colRate":"Rate","bsharedA.colPoints":"Points","bsharedA.colCostAtClosing":"Gastos sa closing","bsharedA.colLock":"Lock","bsharedA.par":"Par","bsharedA.buyDown":"Buy-down","bsharedA.readyToLockRate":"Handa nang mag-lock ng rate?","bsharedA.readyToLockRateBody":"Makipag-usap sa iyong broker. Maaari nilang kumpirmahin ang pagiging kwalipikado, ipaliwanag ang trade-off sa pagitan ng pagbabayad ng points at mas mataas na rate, at i-lock ang iyong napili sa iyong loan.","bsharedA.missingCreditScore":"Credit score (kukunin ito ng iyong broker)","bsharedA.missingLoanAmount":"Halaga ng loan (Hakbang 6 ng iyong aplikasyon)","bsharedA.missingPropertyValue":"Halaga ng ari-arian (Hakbang 6 ng iyong aplikasyon)","bsharedA.missingOccupancy":"Paano gagamitin ang ari-arian (Hakbang 6)","bsharedA.missingLoanPurpose":"Pagbili o refinance (Hakbang 6)","bsharedA.missingPropertyType":"Uri ng ari-arian (Hakbang 6)","bsharedA.aFewMoreDetailsFirst":"Ilang detalye pa muna","bsharedA.weNeedTheseToPullPricing":"Kailangan namin ang mga ito para makuha ang presyo ngayong araw. Karamihan ay nasa iyong aplikasyon ng loan — ang iyong broker ang kukuha ng credit.","bsharedA.noAccessToLoanTitle":"Wala kang access sa loan na ito","bsharedA.pricingDidntLoad":"Hindi na-load ang presyo","bsharedA.applicationProgress":"Progreso ng aplikasyon","bsharedA.fundedSuffix":"(na-pondohan)","bsharedA.computingYourNumbers":"Kinakalkula ang iyong mga numero…","bsharedA.numbersNotReady":"Hindi pa handa ang mga numero","bsharedA.numbersNotReadyBody":"Nangangalap pa ng impormasyon ang iyong loan officer. Kapag kumpleto na ang iyong aplikasyon at naka-lock na ang rate, makikita mo rito ang tantya ng iyong buwanang bayad at mga qualifying ratio.","bsharedA.segLoanPayment":"Bayad sa loan","bsharedA.segPropertyTax":"Buwis sa ari-arian","bsharedA.segHomeownersInsurance":"Seguro ng may-ari ng bahay","bsharedA.segMortgageInsurance":"Mortgage insurance","bsharedA.segHoaDues":"Bayarin sa HOA","bsharedA.viewYourLoanDetail

1s":"Tingnan ang mga detalye ng iyong loan","bsharedA.yourLoanAtAGlance":"Ang iyong loan sa isang sulyap","bsharedA.atRatePrefix":"sa {rate}% \xb7","bsharedA.loanOnHome":"{loan} loan sa bahay na {home}","bsharedA.loanOnly":"{loan} loan","bsharedA.hideLoanDetails":"Itago ang mga detalye ng loan","bsharedA.hide":"Itago","bsharedA.monthlyHousingPayment":"Buwanang bayad sa pabahay","bsharedA.atRate":"sa {rate}%","bsharedA.loanAmount":"Halaga ng loan","bsharedA.onAHome":"sa bahay na {home}","bsharedA.cashYouKeepEachMonth":"Pera na natitira sa iyo bawat buwan","bsharedA.afterHousingAndDebts":"pagkatapos ng pabahay + iba pang utang","bsharedA.debtToIncomeLabel":"Debt-to-income (DTI)","bsharedA.dtiComfortable":"Ang iyong buwanang utang ay nasa loob ng komportableng saklaw. Karaniwang positibong tinitingnan ito ng mga nagpapautang.","bsharedA.dtiStandard":"Ang iyong buwanang utang ay nasa loob ng karaniwang qualifying limits.","bsharedA.dtiAbove43":"Lampas sa karaniwang 43% comfort line ang iyong mga utang. Maaaring mangailangan ng karagdagang dokumentasyon ang ilang nagpapautang.","bsharedA.dtiAbove50":"Lampas sa karaniwang 50% na limitasyon ang iyong buwanang utang. Maaaring kailanganin naming ayusin ang istruktura ng loan.","bsharedA.loanToValueLabel":"Loan-to-value (LTV)","bsharedA.ltvBelow80":"Nasa ilalim ka ng 80% line — walang kinakailangang mortgage insurance. Pinapababa nito ang iyong buwanang bayad.","bsharedA.ltvBetween8095":"Nasa itaas ka ng 80%, kaya mangangailangan ang nagpapautang ng mortgage insurance (MI). Makikita ito sa iyong buwanang bayad sa itaas.","bsharedA.ltvAbove95":"Nasa itaas ka ng 95% — isa itong high-LTV na loan at maaaring may karagdagang mga kinakailangan.","bsharedA.whatGoesIntoPayment":"Ano ang kasama sa iyong buwanang bayad sa pabahay","bsharedA.qualifyingEstimatesNote":"Ang mga numerong ito ay mga tantya mula sa datos ng iyong aplikasyon. Ang mga panghuling pigura ay lalabas sa iyong Closing Disclosure. May mga tanong? Sagutin ang anumang email mula sa iyong loan officer — direktang napupunta ito sa kanila.","bsharedA.checkingRescissionStatus":"Sinusuri ang status ng rescission…","bsharedA.rightToCancel":"Karapatang Kanselahin","bsharedA.rescissionWindowClosed":"Sarado na ang panahon ng rescission","bsharedA.oneDayLeftToCancel":"1 araw na lang para kanselahin","bsharedA.daysLeftToCancel":"{days} araw na lang para kanselahin","bsharedA.deadlineEndOfDay":"Deadline: {date} (katapusan ng araw)","bsharedA.rescissionLegalPre":"Ang pederal na batas (Truth in Lending Act, 15 U.S.C. \xa71635) ay nagbibigay sa iyo ng","bsharedA.threeBusinessDays":"tatlong araw ng negosyo","bsharedA.rescissionLegalPost":"para bawiin ang refinance na ito — ibig sabihin, kanselahin ito nang walang parusa. Pagkatapos ng deadline, mapopondohan ang loan at hindi mo na ito mababawi sa pamamagitan ng proseso ng rescission.","bsharedA.rescissionClosedBody":"Sarado na ang iyong tatlong araw ng negosyong right-of-rescission. Maaari nang magpatuloy sa pondo ang iyong loan.","bsharedA.earliestFundingDate":"Pinakamaagang petsa ng pagpopondo","bsharedA.howToCancel":"Paano kanselahin","bsharedA.cancelStep1Pre":"Lagdaan at lagyan ng petsa ang","bsharedA.noticeOfRightToCancel":"Notice of Right to Cancel","bsharedA.cancelStep1Post":"form (kasama sa iyong mga closing document) at ibalik ito sa iyong nagpapautang sa pamamagitan ng koreo, fax, telegrama, o iba pang nakasulat na paraan BAGO ang hatinggabi ng petsang deadline sa itaas.","bsharedA.cancelStep2":"Kung kanselahin mo, dapat ibalik ng nagpapautang ang anumang pera o ari-arian na ibinigay mo at i-release ang anumang security interest sa loob ng 20 araw. Hindi ka magbabayad ng cancellation fee.","bsharedA.cancelDisclaimer":"Ang buod na ito ay para sa pangkalahatang impormasyon lamang; umasa sa naka-print na Notice of Right to Cancel form para sa eksaktong mga kinakailangan sa pamamaraan.","bsharedA.resourceIncomeTitle":"Paano binibilang ang iyong kita","bsharedA.resourceIncomeBlurb":"Linya-bawat-linyang pagkakahati ng qualifying income kasama ang matematika sa likod ng bawat pinagmulan.","bsharedA.resourceDocsTitle":"Mga dokumentong kailangan mo pang ibigay","bsharedA.resourceDocsBlurb":"Listahan sa isang screen ng bawat bukas na kahilingan sa dokumento, kasama ang tagal ng paghihintay.","bsharedA.resourceDisclosuresTitle":"Loan Estimate at Closing Disclosure","bsharedA.resourceDisclosuresBlurb":"Tingnan, i-download, at kilalanin ang mga federally-required na disclosure para sa iyong loan.","bsharedA.resourcesForYou":"Mga mapagkukunan para sa iyo","bsharedA.resourcesSubtitle":"Detalyadong mga view sa mga bahagi ng iyong loan na karaniwang nagdadala ng pinakamaraming tanong.","bsharedA.sendFailed":"Hindi naipadala","bsharedA.loadingYourMessages":"Nilo-load ang iyong mga mensahe…","bsharedA.messageYourBroker":"Mag-mensahe sa iyong broker","bsharedA.noMessagesYet":"Wala pang mga mensahe","bsharedA.sendQuestionBrokerPinged":"Magpadala ng tanong at maa-notify ang iyong broker.","bsharedA.typeAMessage":"Mag-type ng mensahe…","bsharedA.sendMessage":"Ipadala ang mensahe","bsharedA.welcomeNamed":"Maligayang pagdating, {name}","bsharedA.getStarted":"Magsimula","bsharedA.welcomeModalBody":"Wala pa kaming aktibong aplikasyon ng loan na naka-file para sa iyo. Maaari mong simulan ang buong 1003 mortgage application ngayon, o lumaktaw muna sa iyong dashboard at magsimula mamaya.","bsharedA.recommended":"Inirerekomenda","b

1sharedA.start1003Application":"Simulan ang 1003 Application","bsharedA.beginMortgageForm":"Simulan ang mortgage form","bsharedA.skipForNow":"Laktawan muna","bsharedA.enterBorrowerDashboard":"Pumasok sa Borrower Dashboard","bsharedA.lookAroundFirst":"Tumingin-tingin muna; maaari mong simulan ang aplikasyon mula sa dashboard mamaya.","bsharedA.cashToCloseSummary":"Buod ng cash to close","bsharedA.wireNullStateLine1":"Kukumpirmahin ng iyong broker ang eksaktong halaga ng cash-to-close mo 1–2 araw bago ang closing.","bsharedA.wireNullStateLine2":"Ang mga pigura sa iyong Closing Disclosure ay ang iyong kasalukuyang tantya.","bsharedA.wireDownPayment":"Down payment","bsharedA.wireClosingCosts":"Closing costs","bsharedA.wirePrepaidItems":"Mga prepaid item","bsharedA.wireEscrowDeposit":"Escrow deposit","bsharedA.wireTotal":"Kabuuan","bsharedA.cashToCloseAria":"cash to close {amount}","bsharedA.wireDispatchedLine1":"Naipadala na ng iyong broker ang iyong wire instructions sa title company.","bsharedA.wireDispatchedLine2":"Ang iyong eksaktong cash-to-close ay nasa iyong Closing Disclosure — kumpirmahin ang halaga sa iyong broker bago magpadala ng anumang pondo.","bsharedA.fundsTo":"Pondo papunta kay:","bsharedA.howToPay":"Paano magbayad:","bsharedA.cashiersCheckOrWire":"Cashier's check o wire transfer","bsharedA.sentByBroker":"Ipinadala ng broker:","bsharedA.wireFraudWarning":"Babala sa wire fraud","bsharedA.wireFraudPre":"Ini-intercept ng mga manloloko ang mga email at nagpapadala ng pekeng tagubilin sa wire.","bsharedA.wireFraudBold":"Palaging tawagan ang title company sa numero ng telepono na hiwalay mong nahanap","bsharedA.wireFraudPost":"— huwag kailanman mula sa isang email. Kapag naipadala na ang wire, halos imposible nang mabawi.","bsharedA.wireFraudNeverAsk":"Hindi kailanman hihilingin ng Unified Loan System na mag-wire ka ng pondo sa bagong account sa pamamagitan ng email.","bsharedA.countdownOnSchedule":"Nasa iskedyul","bsharedA.countdownClosingSoon":"Malapit nang magsara — tapusin natin ang mga natitirang bagay","bsharedA.countdownClosingThisWeek":"Magsasara ngayong linggo","bsharedA.congratsOnClosing":"Binabati kita sa pagsasara","bsharedA.daySinceClosing":"Araw mula nang magsara","bsharedA.daysSinceClosing":"Mga araw mula nang magsara","bsharedA.todayIsTheDay":"Ngayon na ang araw","bsharedA.dayUntilYourKeys":"Araw bago matanggap ang iyong susi","bsharedA.daysUntilYourKeys":"Mga araw bago matanggap ang iyong susi","bsharedA.closingCountdown":"Countdown sa pagsasara","bsharedA.confirmedClosingDate":"Nakumpirmang petsa ng pagsasara","bsharedA.allConditionsCleared":"Lahat ng kundisyon ay na-clear na","bsharedA.itemStillOpenOne":"{count} item ang nakabukas pa","bsharedA.itemStillOpenMany":"{count} item ang nakabukas pa","bsharedA.brokerReachOutBeforeClose":"Makikipag-ugnayan sa iyo ang iyong broker bago magsara.","bsharedA.youreSetSitBack":"Handa ka na — magrelaks ka lang at kami na ang bahala sa iba pa.","bsharedA.loadingClosingSchedule":"Niloload ang iskedyul ng pagsasara…","bsharedA.failedToSubmitProposal":"Hindi naisumite ang panukala","bsharedA.failedToAcceptCounter":"Hindi natanggap ang counter","bsharedA.failedToRejectCounter":"Hindi natanggihan ang counter","bsharedA.failedToRepropose":"Hindi naimungkahi muli","bsharedA.pickNewClosingDate":"Pumili ng bagong petsa ng pagsasara","bsharedA.pickClosingDate":"Pumili ng petsa ng pagsasara","bsharedA.previousDatePassedOn":"Ang iyong nakaraang petsa ay hindi tinanggap ng iyong broker.","bsharedA.reasonLabel":"Dahilan:","bsharedA.pickWeekdayHint":"Pumili ng araw ng linggo na hindi bababa sa 7 araw mula ngayon. Karamihan sa mga loan ay nagsasara sa loob ng 30–45 araw — maaaring mag-alok ang broker ng ibang petsa batay sa kung ano ang makatotohanan.","bsharedA.proposedClosingDate":"Iminungkahing petsa ng pagsasara","bsharedA.notesForBrokerOptional":"Mga tala para sa iyong broker (opsyonal)","bsharedA.closingNotesPlaceholder":"Opsyonal — may dapat bang malaman ang iyong broker? (school year, pagtatapos ng lease, atbp.)","bsharedA.sendToBroker":"Ipadala sa broker","bsharedA.awaitingBrokerReview":"Naghihintay ng pagsusuri ng broker","bsharedA.proposedTimeAgo":"Iminungkahi {time}. Kukumpirmahin ng iyong broker o magmumungkahi ng ibang petsa.","bsharedA.brokerSuggestedDifferentDate":"Nagmungkahi ang broker ng ibang petsa","bsharedA.youProposed":"Iminungkahi mo","bsharedA.brokerSuggests":"Iminumungkahi ng broker","bsharedA.acceptDate":"Tanggapin ang petsa","bsharedA.pickAnother":"Pumili ng iba","bsharedA.walkAway":"Umalis","bsharedA.yourProposedClosingDate":"Ang iyong iminungkahing petsa ng pagsasara","bsharedA.reproposeNotesPlaceholder":"Opsyonal — may dapat bang malaman ang iyong broker tungkol sa bagong petsang ito?","bsharedA.sendNewDate":"Ipadala ang bagong petsa","bsharedA.reasonForDeclining":"Dahilan ng pagtanggi sa petsang ito (opsyonal)","bsharedA.rejectReasonPlaceholder":"Opsyonal — bakit mo tinatanggihan ang petsang ito?","bsharedA.walkAwayFromDate":"Tanggihan ang petsang ito","bsharedA.closingScheduled":"Naka-iskedyul na ang pagsasara","bsharedA.confirmedTimeAgo":"Nakumpirma {time}","bsharedA.closingScheduledBody":"Inaayos na ngayon ng iyong broker ang timing ng TRID + closing-disclosure. Aabisuhan ka namin kapag dumating na ang eSign request para sa closing-package sa iyong inbox.","bsharedA.goToClosingRoom":"Pumunta sa iyong closing room","bsharedA.justNow":"ngayon lang","bsharedA.closingDayWalkthrough":"Gabay sa araw ng pagsasara","bsharedA.statusNow":"Ngayon","bsharedA.openInMaps":"Buksan sa Maps","bsharedA.closingDayPrep":"Paghahanda para sa araw ng pagsasara","bsharedA.whatYoullNeedOn":"Ang kakailanganin mo sa {date}","bsharedA.bringOrHaveReady":"Dalhin o ihanda","bsharedA.prepIdTitle":"Government-issued photo ID","bsharedA.prepIdDetail":"Driver's license o passport. Hindi dapat expired. Ang bawat co-borrower ay magdadala ng sarili nila.","bsharedA.prepCheckTitle":"Cashier's check o kumpirmasyon ng wire","bsharedA.prepCheckDetail":"Ibibigay ng iyong loan officer ang eksaktong cash-to-close na halaga 1–2 araw bago. Huwag mag-wire mula sa personal na tseke — kadalasang nangangailangan ang mga title company ng certified funds.","bsharedA.prepInsuranceTitle":"Homeowners insurance binder","bsharedA.prepInsuranceDetail":"Ang unang taon ay binabayaran sa closing. Kung wala ka pang na-bound na polisa, gawin mo ito ngayong linggo.","bsharedA.prepCoborrowerTitle":"Availability ng co-borrower / asawa","bsharedA.prepCoborrowerDetail":"Ang sinumang nasa loan ay dapat na naroroon (in-person o sa pamamagitan ng remote online notarization).","bsharedA.wireFraudIsReal":"Totoo ang wire fraud — i-verify ang mga tagubilin sa wire nang personal","bsharedA.wireFraudPrepPre":"Nagpapadala ang mga manloloko ng mga email na kamukhang-kamukha ng iyong title company na humihiling na mag-wire ka ng pondo s

1a kanilang account.","bsharedA.wireFraudPrepPost":"(hindi mula sa anumang email) at berbal na kumpirmahin ang mga tagubilin sa wiring bago magpadala. Kapag naipadala na ang wire, halos imposible nang mabawi.","bsharedA.coborrowerAdded":"Naidagdag ang co-borrower","bsharedA.joinedAsYour":"sumali bilang iyong {relationship}","bsharedA.coborrowerWord":"co-borrower","bsharedA.relSpouse":"Asawa","bsharedA.relDomesticPartner":"Domestic partner","bsharedA.relParent":"Magulang","bsharedA.relSibling":"Kapatid","bsharedA.relOther":"Iba pa","bsharedA.statusPending":"Nakabinbin","bsharedA.statusAccepted":"Tinanggap","bsharedA.statusExpired":"Nag-expire na","bsharedA.statusRevoked":"Binawi","bsharedA.failedToSendInvitation":"Hindi naipadala ang imbitasyon","bsharedA.inviteSentTo":"Naipadala ang imbitasyon kay {email} — may 7 araw silang tanggapin ito.","bsharedA.revokeConfirm":"Bawiin ang imbitasyong ito? Hindi na magagamit ng tatanggap ang link.","bsharedA.revokeFailed":"Hindi nabawi","bsharedA.resendFailed":"Hindi naipadala muli","bsharedA.invitationResent":"Naipadala muli ang imbitasyon. Gumagana pa rin ang orihinal na link; ina-extend lang namin ang expiration.","bsharedA.namedSectionProgress":"Progreso sa seksyon ni {name}","bsharedA.theirSectionProgress":"Progreso sa kanilang seksyon","bsharedA.hasntOpenedYet":"\xb7 hindi pa nabubuksan","bsharedA.theyCanFinishAt":"Maaari nilang tapusin anumang oras sa","bsharedA.addACoborrower":"Magdagdag ng co-borrower","bsharedA.coborrowerBoostIncome":"Ang pagdaragdag ng asawa o partner ay maaaring magpataas ng iyong qualifying income at tumulong para mas marami kang kayang bilhin.","bsharedA.invite":"Mag-imbita","bsharedA.expiresOn":"Mag-e-expire sa {date}","bsharedA.resendInvitationAria":"Ipadala muli ang imbitasyon — parehong link, bagong 7-araw na expiration","bsharedA.revokeInvitationAria":"Bawiin ang imbitasyon — hihinto ang link sa pagiging gumagana kaagad","bsharedA.firstName":"Pangalan","bsharedA.firstNamePlaceholder":"Jane","bsharedA.lastName":"Apelyido","bsharedA.lastNamePlaceholder":"Doe","bsharedA.emailLabel":"Email","bsharedA.coborrowerEmailPlaceholder":"[email protected]","bsharedA.relationship":"Relasyon","bsharedA.sendInvite":"Ipadala ang imbitasyon","bsharedA.emptyClickPre":"I-click ang","bsharedA.emptyClickPost":"para magpadala ng email — ang iyong co-borrower ay gagawa ng sarili nilang account para punan ang kanilang seksyon ng aplikasyon. Hindi nila kailanman makikita ang iyong password o sensitibong impormasyon.","bsharedA.priorInvitations":"Mga naunang imbitasyon","bsharedA.yourProgress":"Ang iyong progreso","bsharedA.countOfTotal":"{count} sa {total}","bsharedA.pctComplete":"{pct}% kumpleto","bsharedA.nextUp":"Susunod","bsharedA.dueDate":"Dapat tapusin sa {date}","bsharedA.startThis":"Simulan ito →","bsharedA.allConditionsComplete":"Kumpleto na ang lahat ng kundisyon!","bsharedA.loanOfficerWhatsNext":"Ipapaalam sa iyo ng iyong loan officer kung ano ang susunod.","bsharedA.disclosuresAndConsent":"Mga Pagsisiwalat at Pahintulot","bsharedA.reviewAndAcceptDisclosures":"Pakisuri at tanggapin ang mga sumusunod na pagsisiwalat upang magpatuloy sa iyong aplikasyon.","bsharedA.consentESignTitle":"Pahintulot sa E-Sign","bsharedA.consentESignDesc":"Sumasang-ayon ako na tumanggap ng mga pagsisiwalat at komunikasyon nang elektroniko at pumapayag akong mag-e-sign ng mga dokumento. Nauunawaan ko na maaari kong bawiin ang pahintulot na ito anumang oras.","bsharedA.consentCreditAuthTitle":"Awtorisasyon sa Kredito","bsharedA.consentCreditAuthDesc":'Inaawtorisahan ko ang nagpapautang na kumuha ng consumer credit report upang suriin ang aking pagiging kwalipikado para sa isang mortgage loan. Maaaring ito ay isang "soft pull" na hindi nakakaapekto sa aking score sa simula.',"bsharedA.consentTermsTitle":"Mga Tuntunin ng Serbisyo","bsharedA.consentTermsDesc":"Pinatutunayan ko na totoo at tama ang impormasyong ibinigay. Sumasang-ayon ako sa Mga Tuntunin ng Serbisyo at Patakaran sa Privacy.","bsharedA.tcpaAuthTitle":"Mga mensahe ng seguridad at authentication","bsharedA.tcpaLoanStatusTitle":"Status ng loan at mga update sa operasyon","bsharedA.tcpaDocSigningTitle":"Mga paalala sa dokumento, closing at e-sign","bsharedA.requiredBadge":"Kinakailangan","bsharedA.acceptedCheck":"Tinanggap ✓","bsharedA.optionalSmsNotifications":"Opsyonal na SMS Notifications","bsharedA.smsConsentNotRequired":"Hindi kinakailangan ang pahintulot na tumanggap ng mga text message. Maaari kang pumili ng anumang kombinasyon ng mga kategorya sa ibaba.","bsharedA.requiredAgreementsAccepted":"{accepted} sa {total} kinakailangang kasunduan ang tinanggap","bsharedA.yourLoanOfficerName":"Ang Iyong Loan Officer","bsharedA.messageNotSent":"Hindi naipadala ang mensahe","bsharedA.somethingWentWrong":"May nangyaring mali. Pakisubukan muli.","bsharedA.phoneNumber":"Numero ng telepono","bsharedA.phone":"Telepono","bsharedA.loanOfficerRole":"Loan Officer","bsharedA.sendMessageBelowGetBack":"Magpadala ng mensahe sa ibaba at babalikan ka ng iyong loan officer.","bsharedA.sendAMessage":"Magpadala ng Mensahe","bsharedA.askQuestionRequestCall":"Magtanong o humiling ng callback.","bsharedA.topic":"Paksa","bsharedA.topicGeneralInquiry":"Pangkalahatang Pagtatanong","bsharedA.topicRateQuote":"Rate Quote","bsharedA.topicPreApprovalStatus":"Status ng Pre-Approval","bsharedA.topicDocumentQuestion":"Tanong sa Dokumento","bsharedA.topicScheduleCall":"Mag-iskedyul ng Tawag","bsharedA.messageLabel":"Mensahe","bsharedA.contactPlaceholder":"Kumusta {name}, may tanong ako tungkol sa... (o i-tap ang mic para mag-dictate)","bsharedA.sendMessageTitle":"Magpadala ng Mensahe","bsharedA.messageSentExclaim":"Naipadala na ang Mensahe!","bsharedA.thanksForReachingOut":"Salamat sa pakikipag-ugnayan. Babalikan ka ni {name} dito.","bsharedA.close":"Isara","bsharedA.dataDiscrepancyDetected":"Natukoy ang Pagkakaiba ng Data","bsharedA.aiFoundMismatch":"Nakahanap ang aming AI ng pagkakaiba sa pagitan ng iyong aplikasyon at ng na-upload na dokumento.","bsharedA.inApplication":"Sa Aplikasyon","bsharedA.emptyValue":"(Walang laman)","bsharedA.inDocument":"Sa Dokumento","bsharedA.keepMyValue":"Panatilihin ang Aking Halaga","bsharedA.reviewAndFix":"Suriin at Ayusin","bsharedA.moreDiscrepancyOne":"{count} pang pagkakaiba ang natagpuan","bsharedA.moreDiscrepancyMany":"{count} pang mga pagkakaiba ang natagpuan","bsharedA.docNeedsSecondLookOne":"{count} dokumento ang kailangang suriing muli","bsharedA.docNeedsSecondLookMany":"{count} dokumento ang kailangang suriing muli","bsharedA.openReviewPage":"Buksan ang review page upang kumpirmahin o iwasto.","bsharedA.allCaughtUp":"Kumpleto na ang lahat","bsharedA.nothingNeedsSignature":"Walang kailangang pirma o review mo sa ngayon. Ipapaalam sa iyo ng iyong loan officer kapag may bagong dumating.","bsharedA.actionRequired":"Kailangan ng aksyon","bsharedA.pendingReview":"Naghihintay ng review","bsharedA.documentsNeedAttention":"Mga dokumentong nangangailangan ng iyong atensyon","bsharedA.itemWaitingOne":"{count} item ang naghihintay na suriin o pirmahan mo.","bsharedA.itemWaitingMany":"{count} item ang naghihintay na suriin o pirmahan mo.","bsharedA.newBadge":"Bago","bsharedA.complete":"Kumpleto","bsharedA.review":"Suriin","bsharedA.needsYourAttention":"Nangangailangan ng iyong atensyon","bsharedA.nMissing":"{count} ang nawawala","bsharedA.nMore":"+{count} pa","bsharedA.viewAllDocuments":"Tingnan ang lahat ng {count} dokumento","bsharedA.hintFromPriorLoan":"Mula sa naunang loan","bsharedA.hintFromDocument":"Mula sa dokumento","bsharedA.hintHeadsUp":"Paalala","bsharedA.applied":"Naisapraktika","bsharedA.useThis":"Gamitin 

1ito","bsharedA.dismissHint":"I-dismiss ang hint","bsharedA.boxCounter":"Box {current}/{total}","bsharedA.closeGuidance":"Isara ang gabay","bsharedA.optionalBadge":"Opsyonal","bsharedA.filled":"Napunan","bsharedA.askVeraAboutThis":"Magtanong kay Breeze tungkol dito","bsharedA.backArrow":"← Bumalik","bsharedA.doneWithGuidance":"Tapos na sa gabay","bsharedA.finish":"Tapusin","bsharedA.leftTheGuideContinue":"Mukhang umalis ka sa gabay — magpatuloy?","bsharedA.dismissGuideResume":"I-dismiss ang prompt na ipagpatuloy ang gabay","bsharedA.fundingDocsSigned":"Napirmahan ang mga Dokumento","bsharedA.fundingWireSent":"Naipadala ang Wire","bsharedA.fundingLoanFunded":"Na-fund ang Loan","bsharedA.fundingStatusAria":"Status ng funding: {status}","bsharedA.fundingStatus":"Status ng funding","bsharedA.checkingForUpdates":"Nagche-check ng mga update…","bsharedA.glossarySearchPlaceholder":"Maghanap ng mga termino (hal. APR, escrow, pre-approval)…","bsharedA.noTermsMatched":"Walang terminong tumugma sa “{query}”.","bsharedA.aka":"kilala rin bilang {list}","bsharedA.seeAlso":"Tingnan din: {list}","bsharedA.guidedMode":"Guided mode","bsharedA.stepNumber":"Hakbang {number}","bsharedA.expandGuidance":"Palawakin ang gabay","bsharedA.collapseGuidance":"I-collapse ang gabay","bsharedA.turnOffGuidance":"I-off ang gabay","bsharedA.whatToKnow":"Ano ang dapat malaman","bsharedA.basedOnWhatYouEntered":"Batay sa iyong inilagay","bsharedA.skipThisSection":"Laktawan muna ang seksyong ito","bsharedA.turnOnGuidance":"I-on ang gabay","bsharedA.pullingInsuranceQuotes":"Kinukuha ang mga insurance quote…","bsharedA.quotesForYourAddress":"{count} quote para sa iyong address","bsharedA.insuranceRequiredAtClosing":"Kinakailangan sa closing. Narito ang tinatayang halaga ng coverage para sa iyong ari-arian upang makapag-budget ka — pipili at magbi-bind ka ng polisiya sa carrier (matutulungan ka ng iyong loan officer) bago ang closing.","bsharedA.coverageLine":"Dwelling {dwelling} \xb7 Contents {contents} \xb7 Liability {liability} \xb7 {deductible} deductible","bsharedA.perYearEst":"/ taon est.","bsharedA.quotesIllustrative":"Ang mga quote ay paglalarawan lamang hanggang sa mai-integrate ang mga carrier. Ang aktwal na pag-bind ay hahawakan ng carrier na iyong pipiliin.","bsharedA.ratingAria":"Rating: {rating} sa 5","bsharedA.viewYourLoanEstimate":"Tingnan ang iyong Loan Estimate","bsharedA.skipToYour":"Lumaktaw sa iyong {label}","bsharedA.openAction":"Buksan ang {label}","bsharedA.newActionRequired":"Bago \xb7 Kailangan ng aksyon","bsharedA.pendingShort":"Nakabinbin","bsharedA.dismiss":"I-dismiss","bsharedA.healthExcellent":"Napakahusay","bsharedA.healthExcellentSub":"Maayos ang takbo mo — halos wala nang natitirang gagawin.","bsharedA.healthOnTrack":"Nasa tamang landas","bsharedA.healthOnTrackSub":"May ilan pang maliliit na bagay, pero tapos na ang malalaking bahagi.","bsharedA.healthNeedsAttention":"Kailangan ng atensyon","bsharedA.healthNeedsAttentionSub":"Kapag natapos mo ang ilan pang bagay, mabilis kang sasulong.","bsharedA.healthActionRequired":"Kailangan ng aksyon","bsharedA.healthActionRequiredSub":"Asikasuhin natin ang mga nakabukas na bagay para makapagpatuloy ang loan.","bsharedA.loanHealthScoreAria":"Loan health score: {score} sa 100, {band}","bsharedA.loanHealth":"Loan health","bsharedA.quickestWins":"Mga pinakamabilis na paraan para itaas ang iyong score","bsharedA.hideScoreBreakdown":"Itago ang breakdown ng score","bsharedA.howIsScoreCalculated":"Paano kinakalkula ang score na ito?","bsharedA.yourLoanOfficer":"Ang iyong loan officer","bsharedA.nmlsId":"NMLS {id}","bsharedA.actionEmail":"Email","bsharedA.actionCall":"Tumawag","bsharedA.actionMessage":"Mensahe","bsharedA.loanOfficerHereToHelp":"Nandito ang iyong loan officer para tumulong. Tawagan sila anumang oras sa loob ng business hours.","bsharedA.veraHelpWriteThis":"Breeze, tulungan mo akong isulat ito","bsharedA.draftingFailed":"Nabigo ang pagdraft","bsharedA.letterOfExplanation":"Letter of Explanation","bsharedA.forCondition":"Para sa: {title}","bsharedA.whatUnderwritingNeeds":"Ang kailangang ipaliwanag ng underwriting","bsharedA.anythingInYourWords":"May gusto ka bang sabihin sa sarili mong mga salita?","bsharedA.optional":"(opsyonal)","bsharedA.loeContextPlaceholder":"hal. Ang late payment ay dahil sa pagkaka-ospital noong Marso, at lubos na akong gumaling. Hindi ako kailanman naka-miss ng payment bago o pagkatapos nito.","bsharedA.helpsVeraWrite":"Tumutulong ito sa Breeze na isulat nang tama ang liham. Kung mas maraming konteksto ang ibibigay mo, mas maganda ang draft.","bsharedA.veraDraftedTone":"Idinraft ito ng Breeze sa tono na {tone}.","bsharedA.editAnything":"I-edit ang anumang hindi tunog ikaw.","bsharedA.loeTipReplace":'Tip: palitan ang anumang "[fill in: …]" na placeholder ng iyong totoong detalye bago ipadala.',"bsharedA.copied":"Nakopya na!","bsharedA.copyLetter":"Kopyahin ang liham","bsharedA.drafting":"Nagddraft…","bsharedA.reDraft":"I-redraft","bsharedA.draftMyLetter":"Idraft ang aking liham","bsharedA.stageApplication":"Aplikasyon","bsharedA.stagePriced":"Napresyuhan","bsharedA.stageLeIssued":"Na-issue ang LE","bsharedA.stageAus":"AUS","bsharedA.stageSubmitted":"Naisumite","bsharedA.stageCdIssued":"Na-issue ang CD","bsharedA.stageSigned":"Napirmahan","bsharedA.stageFunded":"Na-fund na","b

1sharedA.vsNotStarted":"Hindi pa nasisimulan","bsharedA.vsInProgress":"Isinasagawa","bsharedA.vsAwaitingResponse":"Naghihintay ng sagot","bsharedA.vsComplete":"Kompleto","bsharedA.vsNeedsAttention":"Kailangan ng atensyon","bsharedA.ownerYou":"Ikaw","bsharedA.ownerBroker":"Broker","bsharedA.ownerLender":"Nagpapautang","bsharedA.ownerVendor":"Vendor","bsharedA.ownerOnTrack":"Nasa tama","bsharedA.pillFunded":"Na-fund na","bsharedA.pillOnTrack":"Nasa tama","bsharedA.pillInProgress":"Isinasagawa","bsharedA.yourLoanStatus":"Status ng iyong loan","bsharedA.stageLabel":"Yugto: {stage}","bsharedA.dayOfPrefix":"Araw","bsharedA.dayOfSuffix":"ng ~{total}","bsharedA.daysToClose":"araw bago mag-close","bsharedA.refreshStatus":"I-refresh ang status","bsharedA.onTrackNothingToDo":"Nasa tamang landas ka — walang kailangang gawin sa ngayon","bsharedA.currentlyWaitingOn":"Kasalukuyang naghihintay kay {owner}","bsharedA.takeAction":"Gumawa ng aksyon","bsharedA.tapAnyStepBelow":"I-tap ang anumang hakbang sa ibaba","bsharedA.getInsightsTailored":"para makakuha ng insights na nakaangkop sa iyong loan","bsharedA.recommendedDot":"\xb7 inirerekomenda","bsharedA.expectedTodayTitle":"Kung nasaan ka dapat ngayon sa average na timeline ng loan","bsharedA.expected":"Inaasahan","bsharedA.yourCurrentStage":"Kasalukuyang yugto ng iyong loan","bsharedA.youAreHere":"Narito ka","bsharedA.whatHappensAtStage":"Ano ang nangyayari sa yugto ng {stage}?","bsharedA.signedPill":"Napirmahan","bsharedA.legend":"Lehenda","bsharedA.legendActualStage":"— aktwal na yugto","bsharedA.legendTypicalPace":"— karaniwang bilis","bsharedA.daysBehind":"\xb7 {days}d na huli","bsharedA.daysAhead":"\xb7 {days}d na maaga","bsharedA.rightOnSchedule":"\xb7 tamang-tama sa iskedyul","bsharedA.loanFundedCongrats":"Na-fund na ang loan \xb7 binabati kita!","bsharedA.fileClosedWelcomeHome":"Na-close at na-fund na ang iyong file — maligayang pagdating sa iyong bahay.","bsharedA.openRequests":"Mga bukas na kahilingan","bsharedA.needsAttention":"Kailangan ng atensyon","bsharedA.itemToAddress":"bagay na kailangang asikasuhin","bsharedA.itemsToAddress":"mga bagay na kailangang asikasuhin","bsharedA.laneFlagged":"lane na na-flag","bsharedA.lanesFlagged":"mga lane na na-flag","bsharedA.allClear":"walang problema","bsharedA.inProgressTile":"Isinasagawa","bsharedA.laneActive":"lane na aktibo","bsharedA.lanesActive":"mga lane na aktibo","bsharedA.completeTile":"Kompleto","bsharedA.laneCleared":"lane na na-clear","bsharedA.lanesCleared":"mga lane na na-clear","bsharedA.hideLoanLaneDetails":"Itago ang mga detalye ng loan lane","bsharedA.showLoanLaneDetails":"Ipakita ang buong detalye ng loan lane","bsharedA.hideDetails":"Itago ang mga detalye","bsharedA.seeFullDetailsLanes":"Tingnan ang buong detalye ({lanes} na lane","bsharedA.plusRequestOne":" + {count} kahilingan","bsharedA.plusRequestMany":" + {count} kahilingan","bsharedA.closeParen":")","bsharedA.whatsHappeningLaneByLane":"Ano ang nangyayari, lane por lane","bsharedA.etaPrefix":"ETA {eta}","bsharedA.openRequestsCount":"Mga bukas na kahilingan ({count})","bsharedA.openDays":"Bukas nang {days}d","bsharedA.daysOverdue":"{days}d nang overdue","bsharedA.dueInDays":"Due sa {days}d","bsharedA.closeStageDetails":"Isara ang mga detalye ng yugto","bsharedA.loadingStageDetails":"Naglo-load ng mga detalye ng yugto at pino-personalize para sa iyong loan…","bsharedA.upcoming":"Paparating","bsharedA.stageWord":"Yugto","bsharedA.whatHappensAtThisStage":"Ano ang nangyayari sa yugtong ito","bsharedA.verasTakeOnYourLoan":"Ang pananaw ng Breeze sa IYONG loan sa yugtong ito","bsharedA.whatYouNeededToBring":"Ang kailangan mong dalhin","bsharedA.whatToPrepare":"Ano ang ihahanda","bsharedA.commonGotchas":"Mga karaniwang problemang dapat malaman","bsharedA.openTileDetails":"Buksan ang mga detalye ng {label}","bsharedB.pickDateTimeFirst":"Pumili muna ng petsa at oras","bsharedB.scheduleFailed":"Nabigo ang pag-schedule","bsharedB.cancelNotaryConfirm":"Kanselahin ang appointment na ito sa notaryo?","bsharedB.cancelFailed":"Nabigo ang pagkansela","bsharedB.loadingNotary":"Naglo-load ng notaryo…","bsharedB.notarySigning":"Pagpirma sa notaryo","bsharedB.scheduleYourAppointment":"I-schedule ang iyong appointment","bsharedB.notaryPickIntro":"Piliin kung paano mo gustong pumirma — ang Remote Online Notarization (RON) ay nagbibigay-daan sa iyong pumirma kahit sa

1an sa isang video call, o mag-schedule ng in-person notaryo malapit sa iyo.","bsharedB.scheduleNotary":"Mag-schedule ng notaryo","bsharedB.remoteRon":"Remote (RON)","bsharedB.ronSub":"Pumirma sa video call mula sa bahay","bsharedB.inPerson":"In-person","bsharedB.inPersonSub":"Pupunta sa iyo ang mobile notaryo","bsharedB.notaryNotesPlaceholder":"May dapat bang malaman ang notaryo? (paradahan, accessibility, atbp.)","bsharedB.schedule":"I-schedule","bsharedB.statusConfirmed":"Nakumpirma","bsharedB.statusScheduled":"Naka-schedule","bsharedB.minuteSession":"{minutes}-minutong sesyon","bsharedB.notaryLabel":"Notaryo:","bsharedB.openSigningLink":"Buksan ang signing link","bsharedB.mobileNotaryArrival":"Darating ang mobile notaryo sa iyong address ~5 minuto bago ang oras ng appointment. Magdala ng government photo ID at anumang cash-to-close na dokumento.","bsharedB.testEnvironment":"Test environment","bsharedB.offlineChangesSaved":"Offline — naka-save nang lokal ang mga pagbabago","bsharedB.syncing":"Nagsi-sync…","bsharedB.synced":"Naka-sync","bsharedB.checkingActionItems":"Sinusuri ang iyong mga action item…","bsharedB.brokerHasEverything":"Mayroon na ang iyong broker ng lahat ng kailangan nila mula sa iyo sa ngayon.","bsharedB.actionItemWaiting":"action item na naghihintay sa iyo","bsharedB.actionItemsWaiting":"mga action item na naghihintay sa iyo","bsharedB.tapToSeeList":"I-tap para makita ang buong listahan — karamihan ay ilang minuto lang.","bsharedB.bankLinkedPulling":"Naka-link na ang bangko — kinukuha na ang iyong mga account.","bsharedB.bankLinkFailed":"Hindi namin natapos i-link ang iyong bangko. Subukan ulit o gamitin ang manual upload.","bsharedB.bankConnectionFailed":"Nabigo ang koneksyon sa bangko. Subukan ulit o mag-upload ng mga statement nang manu-mano.","bsharedB.bankSessionEnded":"Hindi inaasahang natapos ang iyong bank session. Subukan ulit o mag-upload ng mga statement.","bsharedB.signInAgainConnect":"Mangyaring mag-sign in ulit para ikonekta ang iyong bangko.","bsharedB.bankLinkingUnavailable":"Pansamantalang hindi available ang bank linking. Subukan ulit sa loob ng isang minuto o mag-upload ng mga statement nang manu-mano.","bsharedB.bankLinkTooMany":"Masyadong maraming pagsubok — maghintay ng ilang minuto at subukan ulit.","bsharedB.bankLinkStartError":"Hindi masimulan ang bank link (error {status}). Subukan ulit o mag-upload ng mga statement.","bsharedB.encryptingConnection":"Ine-encrypt ang koneksyon…","bsharedB.verifyingIdentity":"Bineberipika ang pagkakakilanlan…","bsharedB.connectBankAuto":"Awtomatikong ikonekta ang bank account","bsharedB.disconnecting":"Dini-disconnect…","bsharedB.disconnectBank":"I-disconnect ang bangko","bsharedB.yourBank":"iyong bangko","bsharedB.close":"Isara","bsharedB.headsUp":"Paalala","bsharedB.disconnectName":"I-disconnect ang {name}?","bsharedB.disconnectDeleteData":"Buburahin namin ang mga bank statement, identity data, at asset report na kinuha namin mula sa Plaid.","bsharedB.disconnectReconnectAnytime":"Maaari kang mag-reconnect anumang oras — mananatiling buo ang progreso ng iyong loan.","bsharedB.disconnectAutoFillsManual":"Hindi makakansela ang iyong aplikasyon kapag nag-disconnect, ngunit ang anumang auto-fill na mula sa iyong bangko ay kailangang i-enter nang manu-mano hanggang sa muli kang mag-connect.","bsharedB.keepConnected":"Panatilihing konektado","bsharedB.yesDisconnect":"Oo, i-disconnect","bsharedB.fromYourBank":"Mula sa iyong bangko","bsharedB.accountFound":"{count} account ang nahanap","bsharedB.accountsFound":"{count} account ang nahanap","bsharedB.accountFallback":"Account","bsharedB.importHasManual":"Paano mo gustong gamitin ang mga ito? Mananatili ang mga na-type mong account maliban kung piliin mong palitan ang mga ito.","bsharedB.importNoManual":"Idagdag ang mga ito sa iyong aplikasyon, o magpatuloy sa pag-enter mismo.","bsharedB.addToMyList":"Idagdag sa aking listahan","bsharedB.replaceMyEntries":"Palitan ang aking mga entry ng mga ito","bsharedB.keepWhatIEntered":"Panatilihin ang aking na-enter","bsharedB.noThanksEnter":"Salamat na lang, ako na lang mag-e-enter","bsharedB.bankReconnected":"Na-reconnect na ang bangko — napapanahon na ulit ang data ng iyong loan.","bsharedB.bankReconnectFlagFailed":"Na-save ang bank reconnect ngunit hindi na-clear ang status flag — i-refresh ang page para makumpirma.","bsharedB.bankReconnectMarkFailed":"Nabigo na markahan ang bangko bilang na-reconnect. Subukan ulit o makipag-ugnayan sa support.","bsharedB.bankReconnectSessionEnded":"Natapos ang bank reconnect session. Subukan ulit — hindi nagbago ang iyong umiiral na data.","bsharedB.signInAgainReconnect":"Mangyaring mag-sign in ulit para i-reconnect ang iyong bangko.","bsharedB.reconnectStartError":"Hindi masimulan ang reconnect flow (error {status}). Subukan ulit sa ilang sandali.","bsharedB.bankConnectionNeedsAttention":"Kailangan ng atensyon ang koneksyon sa bangko","bsharedB.bankRequiresReLogin":"Nangangailangan ang iyong bangko ng mabilis na muling pag-log in para mapanatiling napapanahon ang data ng iyong loan.","bsharedB.opening":"Binubuksan…","bsharedB.reconnectBank":"I-reconnect ang bangko","bsharedB.yourDataYourFile":"Ang iyong data, ang iyong file","bsharedB.downloadYourData":"I-download ang iyong data","bsharedB.portabilityBo

1dy":"Ang iyong 1003 sa MISMO 3.4 — ang pamantayan ng industriya. Direktang nakakapasok sa Encompass / Calyx / LendingPad kung magpasya kang dalhin ang iyong file sa ibang lugar. Hinding-hindi ka namin ikakahon.","bsharedB.downloadMismoXml":"I-download ang MISMO 3.4 XML","bsharedB.yourLoanIsFunded":"Na-fund na ang iyong loan.","bsharedB.congratulations":"Binabati kita!","bsharedB.fundedOn":"Na-fund noong {date}","bsharedB.loanNumber":"Loan {number}","bsharedB.setUpAutoPay":"I-set up ang Auto-Pay","bsharedB.autoPayDesc":"Mag-set up ng awtomatikong buwanang bayad sa pamamagitan ng iyong loan servicer para hindi ka makaligtaan ng bayad.","bsharedB.goToServicerPortal":"Pumunta sa servicer portal","bsharedB.comingSoon":"Malapit nang dumating","bsharedB.downloadDocs":"I-download ang mga dokumento","bsharedB.downloadDocsDesc":"I-download ang iyong nilagdaang closing package, ang panghuling Closing Disclosure, at ang Notice of Right to Cancel.","bsharedB.downloadZip":"I-download ang ZIP","bsharedB.leaveAReview":"Mag-iwan ng review","bsharedB.reviewDesc":"Kumusta ang iyong karanasan? Ang mabilis na rating ay nakakatulong sa iyong broker at sa mga susunod na nanghihiram.","bsharedB.rateExperience":"I-rate ang karanasan","bsharedB.questionsAskVera":"May mga tanong tungkol sa iyong bagong mortgage? Tanungin si Breeze sa ibaba ↓","bsharedB.exportMyData":"I-export ang aking data","bsharedB.exportMyDataDesc":"Maghahanda kami ng machine-readable na kopya ng bawat row na nakatali sa iyong account at i-email ito sa iyo.","bsharedB.requestFiled":"Naisumite ang request","bsharedB.requestExport":"Humiling ng export","bsharedB.deleteMyAccount":"Burahin ang aking account","bsharedB.deleteMyAccountDesc":"Inaalis nito ang iyong account, ang iyong mga naka-save na 1003 draft, ang iyong mga dokumento, at ang iyong mga kagustuhan. Ang ilang loan history ay dapat panatilihin para sa pagsunod sa HMDA / BSA / Reg B — pananatilihin namin ang mga record na iyon ngunit gagawing anonymous kung saan pinapayagan.","bsharedB.requestDeletion":"Humiling ng pagbura","bsharedB.deletionConfirmWarning":"Magsusumite ka na ng isang CCPA / GDPR deletion request. Ipoproseso namin ito sa loob ng 45 araw at kukumpirmahin sa pamamagitan ng email. Hindi maaaring burahin ang mga aktibong loan hangga't hindi nito naaabot ang terminal status.","bsharedB.reasonOptional":"Dahilan (opsyonal)","bsharedB.reasonPlaceholder":"Tumutulong sa aming mag-improve.","bsharedB.confirmDeletionRequest":"Kumpirmahin ang request sa pagbura","bsharedB.requestFiledAt":"Naisumite ang request noong {date}. Ie-email ka namin kapag kumpleto na ang pagproseso (sa loob ng 45 araw).","bsharedB.pullingInsightsFor":"Kinukuha ang property insights para sa {street}…","bsharedB.noPublicData":"Walang nahanap na pampublikong data para sa address na ito.","bsharedB.noPublicDataBody":"Hindi pantay ang coverage sa labas ng mga pangunahing merkado — hindi ito makakaapekto sa iyong aplikasyon. Kukunin ng iyong broker ang mga comps at isang tunay na appraisal sa panahon ng pagproseso.","bsharedB.propertyInsights":"Property insights","bsharedB.stubDataTitle":"Stub data — naghihintay ng partnership sa Zillow Bridge Interactive","bsharedB.estimate":"Tantya","bsharedB.estimatedValue":"Tinatayang halaga","bsharedB.rangeLabel":"Saklaw:","bsharedB.factBuilt":"Naitayo","bsharedB.factSqFt":"Sq ft","bsharedB.factBeds":"Kwarto","bsharedB.factBaths":"Banyo","bsharedB.annualPropertyTax":"Taunang property tax","bsharedB.percentOfValue":"{pct}% ng halaga","bsharedB.perMoShort":"/buwan","bsharedB.confirmAtClosing":"Kumpirmahin sa pagsasara","bsharedB.none":"Wala","bsharedB.noHoaExpected":"Walang inaasahang HOA","bsharedB.nearbySchools":"Mga paaralan sa malapit","bsharedB.schoolGradeDistance":"{grade} \xb7 {miles} mi","bsharedB.recentlySoldNearby":"Kamakailang naibenta sa malapit","bsharedB.compDetail":"{bd} kwarto \xb7 {ba} banyo \xb7 {sqft} sqft \xb7 naibenta {date}","bsharedB.pushOnTitle":"Naka-on ang push notifications.","bsharedB.pushOnDesc":"Makakatanggap ka ng ping kapag may bagong disclosure o update sa dokumento.","bsharedB.turnOff":"I-off","bsharedB.pushEnableDesc":"Mga disclosure, doc verification, at condition update — direkta sa iyong telepono o laptop.","bsharedB.enabling":"Ina-enable…","bsharedB.enable":"I-enable","bsharedB.dismiss":"I-dismiss","bsharedB.closeNotificationPrompt":"Isara ang notification prompt","bsharedB.getInstantUpdates":"Kumuha ng instant na loan updates","bsharedB.pushPromptDesc":"Magbi-ping lang kami para sa mah

1ahalagang bagay: rate locks, signature requests, at condition clears. Walang spam.","bsharedB.notNow":"Hindi muna","bsharedB.asking":"Humihiling…","bsharedB.turnOn":"I-on","bsharedB.pwaAddToHomeScreen":"Idagdag sa home screen","bsharedB.pwaInstallBorrowerTitle":"I-install ang Unified Loan System sa iyong telepono","bsharedB.pwaInstallBorrowerDesc":"Kumuha ng instant na updates sa iyong loan at mas mabilis na access — hindi kailangan ng app store.","bsharedB.pwaIosTitle":"Idagdag ang Unified Loan System sa iyong Home Screen","bsharedB.pwaIosBorrowerDesc":"Tatlong mabilis na tap lang mula sa Share menu ang kailangan ng iPhone.","bsharedB.pwaInstallBrokerTitle":"Patakbuhin ang iyong pipeline mula sa iyong telepono","bsharedB.pwaInstallBrokerDesc":"Mga pipeline alert, Breeze chat, at one-tap na loan locks — lahat sa isang mabilis, app-like na home-screen install.","bsharedB.pwaIosBrokerDesc":"Tatlong mabilis na tap lang mula sa Share menu ang kailangan ng iPhone — pagkatapos ay isang tap na lang ang layo ng iyong pipeline.","bsharedB.dismissInstallBanner":"I-dismiss ang install banner","bsharedB.install":"I-install","bsharedB.pwaStep1Tap":"I-tap ang","bsharedB.pwaShare":"Share","bsharedB.pwaStep1After":"sa Safari toolbar.","bsharedB.pwaStep2Before":"Mag-scroll pababa → i-tap ang","bsharedB.pwaAddToHomeScreenBold":"Add to Home Screen","bsharedB.pwaStep3Before":"I-tap ang","bsharedB.pwaAddBold":"Add","bsharedB.pwaStep3After":"sa kanang itaas.","bsharedB.gotIt":"Naintindihan ko","bsharedB.comparingRate":"Inihahambing ang iyong rate sa merkado…","bsharedB.lockedItIn":"Na-lock na ito","bsharedB.youBeatMarket":"Nadaig mo ang merkado","bsharedB.yourRate":"Ang iyong rate","bsharedB.marketAvg":"Market avg","bsharedB.youSaved":"Nakatipid ka ng","bsharedB.lifetimeSavingsBefore":"Sa karaniwang 7-taong hold, iyon ay humigit-kumulang","bsharedB.lifetimeSavingsAfter":"na interes na napanatili mo sa halip na bayaran. Magaling sa pag-shop ng rate.","bsharedB.replayDashboardTour":"I-replay ang dashboard tour","bsharedB.replayTour":"i-replay ang tour","bsharedB.bandStrong":"Malakas","bsharedB.bandStrongSub":"Maganda ang itsura ng iyong file — dapat kang maging kwalipikado sa karamihan ng mga nagpapautang.","bsharedB.bandLikely":"Malamang","bsharedB.bandLikelySub":"Dapat aprubahan ng karamihan ng mga nagpapautang ang file na ito. Pahigpitin ang mga mahinang bahagi sa ibaba para mapalawak ang mga opsyon.","bsharedB.bandBorderline":"Borderline","bsharedB.bandBorderlineSub":"Nasa gilid. May mga nagpapautang na papayag, ngunit maaaring maapektuhan ang pricing.","bsharedB.bandUnlikely":"Malabong mangyari","bsharedB.bandUnlikelySub":"Malabong matanggap ang tradisyonal na pag-apruba nang hindi tinutugunan ang mga item sa ibaba.","bsharedB.preQualFailed":"Nabigo ang pre-qual","bsharedB.loadingPreQual":"Naglo-load ng iyong pre-qual…","bsharedB.preQualNoCredit":"Kumuha ng pre-qual nang hindi naaapektuhan ang iyong credit","bsharedB.connectBankFirstDesc":"Ikonekta muna ang iyong bangko gamit ang Plaid. Gumagamit kami ng mga signal na mula sa bangko — walang tri-merge bureau pull, walang epekto sa FICO.","bsharedB.softPreQual":"Soft pre-qual","bsharedB.whereScoreFrom":"Kung saan nanggagaling ang iyong score","bsharedB.factorCredit":"Ang iyong credit","bsharedB.factorDownPayment":"Down payment","bsharedB.factorMonthlyDebts":"Buwanang utang","bsharedB.factorSavingsJob":"Ipon at job history","bsharedB.factorLoanProfile":"Loan profile","bsharedB.factorUnderwriting":"Mga underwriting check","bsharedB.whatsWorking":"Ano ang nakatutulong sa iyo","bsharedB.whatToTighten":"Ano ang dapat pahigpitin","bsharedB.bankDerivedFallback":"Bank-derived (fallback)","bsharedB.refreshingPreQual":"Nire-refresh ang pre-qual…","bsharedB.refreshPreQual":"I-refresh ang pre-qual","bsharedB.refreshing":"Nire-refresh…","bsharedB.preQualCtaDesc":"Tingnan kung nasaan ka nang walang hard credit pull. Kumukuha kami ng Plaid Check Consumer Report (mga signal na mula sa bangko + cashflow) at pinapatakbo ang aming approval predictor.","bsharedB.preQualFinePrint":"Walang epekto sa FICO \xb7 ~10 segundo \xb7 Pinapagana ng Plaid Check","bsharedB.bucketInProgress":"Isinasagawa","bsharedB.bucketInProgressSub":"Mga bagay na aktibong ginagawa ng iyong broker, ng nagpapautang, o ng isang vendor.","bsharedB.bucketInProgressEmpty":"Walang isinasagawa sa ngayon.","bsharedB.bucketComplete":"Kumpleto","bsharedB.bucketCompleteSub":"Mga item na naka-sign off na at hindi na nangangailangan ng anuman mula sa iyo.","bsharedB.bucketCompleteEmpty":"Wala pang 

1kumpletong item — maaga pa sa proseso.","bsharedB.bucketNeedsAttention":"Kailangan ng atensyon","bsharedB.bucketNeedsAttentionSub":"Mga item na naghihintay sa iyo o naka-stuck. I-click ang alinman para makapunta kung saan mo ito malulutas.","bsharedB.bucketNeedsAttentionEmpty":"Buong-buo ka nang nakahabol. Walang natitirang action item.","bsharedB.closeButton":"Isara","bsharedB.openDays":"Bukas nang {days}d","bsharedB.daysOverdue":"{days}d na overdue","bsharedB.dueInDays":"Due sa loob ng {days}d","bsharedB.eta":"ETA {eta}","bsharedB.integrityLabTitle":"Integrity Lab: Kailangan ng Aksyon","bsharedB.integrityLabIntro":"Natukoy ng aming AI integrity engine ang ilang item na nangangailangan ng iyong atensyon para mailipat ang iyong loan sa clear-to-close. Lutasin ang mga stipulasyon sa ibaba para sa autonomous na pag-apruba.","bsharedB.pendingActions":"{count} Pending Actions","bsharedB.resolvedCount":"{count} Naayos","bsharedB.requiredProof":"Kinakailangang Patunay","bsharedB.refLabel":"Ref: {ref}","bsharedB.aiGeneratedStipulation":"AI-Generated na Stipulasyon","bsharedB.allSystemsClear":"Malinaw ang Lahat ng Sistema","bsharedB.noPendingIntegrity":"Walang nakabinbing integrity conditions. Patuloy na sumusulong ang iyong aplikasyon patungo sa final funding.","bsharedB.resolutionStage":"Yugto ng Resolusyon","bsharedB.underwriterGuidance":"Gabay ng Underwriter","bsharedB.guidanceBefore":"Mangyaring magbigay ng","bsharedB.guidanceBold":"malinaw, hindi binagong","bsharedB.guidanceAfter":"mga orihinal. Ang holographic glare o natatakpang margin ay magti-trigger ng AI re-rejection.","bsharedB.uploadProofFor":"Mag-upload ng Patunay para sa: {type}","bsharedB.resolveCondition":"Lutasin ang Kundisyon","bsharedB.selectConditionToResolve":"Pumili ng kundisyon na lulutasin","bsharedB.autonomousReview":"Autonomous na Review","bsharedB.autonomousReviewDesc":"Ia-audit kaagad ng aming Neural Integrity Engine ang iyong re-upload. Karamihan sa mga kundisyon ay nare-resolve sa loob ng 60 segundo ng pagsusumite.","bsharedB.reviewingFile":"Sinusuri ang iyong file…","bsharedB.unableToLoadInsights":"Hindi ma-load ang file insights.","bsharedB.tryAgain":"Subukan ulit","bsharedB.fileLooksClean":"Malinis ang itsura ng iyong file","bsharedB.reviewedDocClean":"Nasuri ang {count} dokumento — walang na-flag na kailangan mong aksyunan ngayon.","bsharedB.reviewedDocsClean":"Nasuri ang {count} dokumento — walang na-flag na kailangan mong aksyunan ngayon.","bsharedB.noDocsYet":"Wala pang dokumentong susuriin. Mag-upload ng pay stubs, bank statements, atbp. para magsimula.","bsharedB.fileReview":"File Review","bsharedB.thingsToKnow":"Mga bagay na dapat malaman tungkol sa iyong file","bsharedB.fromDocReviewed":"Mula sa {count} dokumento na nasuri na namin.","bsharedB.fromDocsReviewed":"Mula sa {count} dokumento na nasuri na namin.","bsharedB.needAttentionNow":"{count} ang kailangan ng atensyon ngayon.","bsharedB.needAttentionNowPlural":"{count} ang kailangan ng atensyon ngayon.","bsharedB.itemFlagged":"{count} item ang na-flag.","bsharedB.itemsFlagged":"{count} item ang na-flag.","bsharedB.showLess":"Magpakita ng mas kaunti","bsharedB.showMore":"Magpakita pa ng {count}","bsharedB.nextStepLabel":"Susunod na hakbang:","bsharedB.uploadNow":"Mag-upload ngayon","bsharedB.whatToBring":"Ano ang dadalhin","bsharedB.readyCount":"{done}/{total} handa na","bsharedB.required":"Kailangan","bsharedB.addedByBroker":"Idinagdag ng iyong broker","bsharedB.allItemsReady":"Handa na ang lahat ng item — set ka na para sa araw ng pagsasara!","bsharedB.dismissBanner":"I-dismiss ang banner","bsharedB.wireFraudEyebrow":"Wire fraud — basahin ito bago magpadala ng pera","bsharedB.alwaysVerifyByPhone":"Laging i-verify ang wire instructions sa pamamagitan ng telepono","bsharedB.wireNever":"Huwag kailanman","bsharedB.wireBullet1":"magtiwala sa wire instructions mula sa email — kahit mukhang galing ito sa iyong broker o escrow officer. Ang email ang #1 na daluyan ng wire fraud.","bsharedB.wireAlways":"Lagi","bsharedB.wireBullet2":"tumawag para mag-verify bago mag-wire. Gumamit ng numero ng telepono mula sa hiwalay na pinagmulan (ang portal na ito, ang iyong dating loan paperwork, o ang website ng broker — hindi ang numero sa email).","bsharedB.wireBullet3Before":"Ang wire instructions ay","bsharedB.wire

1ChangeRarely":"bihirang magbago","bsharedB.wireBullet3After":'. Kung makatanggap ka ng isang "last-minute update" na nagsasabing magpadala ng pondo sa ibang lugar, ituring itong fraud hangga\'t hindi na-verify.',"bsharedB.callBrokerToVerify":"Tawagan ang broker para mag-verify ({phone})","w3legal.questionsContact":"May mga tanong? Makipag-ugnayan sa amin sa","w3legal.dpaEffective":"May bisa mula 2026-05-06.","w3legal.dpaTocScope":"1. Saklaw","w3legal.dpaTocDefinitions":"2. Mga Kahulugan","w3legal.dpaTocRoles":"3. Mga Tungkulin ng mga Partido","w3legal.dpaTocInstructions":"4. Mga Tagubilin sa Pagpoproseso","w3legal.dpaTocConfidentiality":"5. Pagiging Kumpidensyal","w3legal.dpaTocSecurityMeasures":"6. Mga Hakbang sa Seguridad","w3legal.dpaTocSubProcessors":"7. Mga Sub-Processor","w3legal.dpaTocPlaidFlowdown":"8. Plaid Flow-Down Terms","w3legal.dpaTocDsr":"9. Mga Kahilingan ng Data Subject","w3legal.dpaTocIncidents":"10. Mga Insidente sa Seguridad","w3legal.dpaTocAudits":"11. Mga Pag-audit","w3legal.dpaTocReturnDeletion":"12. Pagbabalik at Pagtanggal ng Data","w3legal.dpaTocTransfers":"13. Mga Internasyonal na Paglilipat","w3legal.dpaTocLiability":"14. Pananagutan","w3legal.dpaScopeBody":"Ang Kasunduan sa Pagpoproseso ng Data na ito (ang “DPA”) ay nagdaragdag sa Master SaaS Agreement sa pagitan ng Unified Loan System at ng Customer (ang “MSA”) at namamahala sa pagpoproseso ng Unified Loan System ng personal na impormasyon sa ngalan ng Customer kaugnay ng Serbisyo. Ang mga terminong naka-capital na hindi tinukoy dito ay may kahulugang ibinigay sa “MSA”. Sakaling magkaroon ng salungatan sa pagitan ng “DPA” na ito at ng “MSA” may kinalaman sa proteksiyon ng data, ang “DPA” na ito ang mananaig.","w3legal.dpaDefinitionsBody":"Ang “Borrower NPI” ay nangangahulugang hindi pampublikong personal na impormasyon tungkol sa isang konsumer gaya ng tinukoy sa ilalim ng Gramm-Leach-Bliley Act (15 U.S.C. \xa7 6809) at Regulation P, kabilang ang mga pangalan, numero ng Social Security, mga petsa ng kapanganakan, mga numero ng financial account, datos ng asset at kita, at impormasyon ng credit ng konsumer. Ang “Process” ay may kahulugang ibinigay sa 15 U.S.C. \xa7 6809 at sa mga naaangkop na batas ng estado sa privacy ng konsumer.","w3legal.dpaRolesBody":"Kaugnay ng “Borrower NPI” na isinumite sa Serbisyo, ang Customer ang data controller (o, kung naaangkop, ang “business” sa ilalim ng batas sa privacy ng konsumer ng California) at ang Unified Loan System ang data processor (o “service provider”). Ipoproseso lamang ng Unified Loan System ang “Borrower NPI” ayon sa mga nakadokumentong tagubilin mula sa Customer, kabilang ang mga tagubiling makikita sa pagsasaayos ng Serbisyo.","w3legal.dpaInstructionsBody":"Inuutusan ng Customer ang Unified Loan System na Iproseso ang “Borrower NPI” kung kinakailangan upang (a) ibigay at panatilihin ang Serbisyo; (b) maiwasan, matukoy, at matugunan ang mga insidente sa seguridad at pandaraya; (c) sumunod sa mga legal na obligasyon ng Unified Loan System; at (d) isagawa ang mga gawaing hayagang sinimulan ng Customer sa loob ng Serbisyo (tulad ng pag-uuri ng dokumento, paghahatid ng e-signature, pagsusumite sa nagpapautang, at pag-verify ng bangko sa pamamagitan ng Plaid). Hindi Ibebenta o Ibabahagi ng Unified Loan System ang “Borrower NPI” gaya ng pagkakatukoy sa mga terminong iyon sa ilalim ng California Consumer Privacy Act.","w3legal.dpaConfidentialityBody":"Aatasan ng Unified Loan System ang lahat ng tauhang awtorisadong Magproseso ng “Borrower NPI” na sumailalim sa tungkulin ng pagiging kumpidensyal at makatanggap ng naaangkop na pagsasanay sa paghawak ng “Borrower NPI”.","w3legal.dpaSecurityIntro":"Nagpapatupad at nagpapanatili ang Unified Loan System ng mga teknikal at pang-organisasyong hakbang na idinisenyo upang protektahan ang Borrower NPI laban sa aksidente o labag sa batas na pagkasira, pagkawala, pagbabago, hindi awtorisadong pagsisiwalat, o pag-access. Partikular:","w3legal.dpaSecurityItem1":"Pag-encrypt sa transit (TLS 1.2 o mas mataas) at sa pahinga para sa mga imbakan ng data ng nanghihiram.","w3legal.dpaSecurityItem2":"Mga kontrol sa pag-access na nakabatay sa tungkulin;

1 paghihiwalay ng tenancy sa bawat broker na ipinapatupad sa antas ng aplikasyon.","w3legal.dpaSecurityItem3":"Multi-factor authentication, muling pagsusuri ng liveness ng session, mga alerto sa device-binding, at mga passkey na lumalaban sa phishing para sa mga daloy na may mataas na halaga (Plaid, pag-download ng sensitibong dokumento).","w3legal.dpaSecurityItem4":"Awtomatikong audit logging ng pag-access sa Borrower NPI, kabilang ang mga kaganapang nauugnay sa pag-export ng data at pagsisiwalat, na pinapanatili sa loob ng panahong kinakailangan ng naaangkop na batas.","w3legal.dpaSecurityItem5":"Regular na pagsubaybay sa kahinaan, pagsusuri ng pag-update ng dependency, at mga pamamaraan sa pag-abiso ng paglabag.","w3legal.dpaSubProcessorsBefore":"Gumagamit ang Unified Loan System ng mga sub-processor upang ibigay ang Serbisyo, kabilang ang mga serbisyo sa imprastraktura, cloud storage, pag-verify ng pagkakakilanlan, vision OCR, e-signature, transactional email, at bank-data aggregation. Pinapahintulutan ng Customer ang paggamit ng Unified Loan System sa mga sub-processor na nakalista sa","w3legal.dpaSubProcessorsAfter":"Magpapataw ang Unified Loan System sa bawat sub-processor ng mga kontraktwal na obligasyon sa proteksyon ng data na hindi gaanong nagpoprotekta kaysa sa mga itinakda sa DPA na ito.","w3legal.dpaPlaidFlowdownBody":"Ang Serbisyo ay isinasama sa Plaid, Inc. para sa bank-data at pag-verify ng pagkakakilanlan na pinahintulutan ng nanghihiram. Ang paggamit ng Customer sa mga tampok ng Plaid ay karagdagang sasailalim sa Plaid End User Privacy Policy at sa flow-down na mga tuntunin para sa customer ng Plaid (ang “Plaid Flow-Down Terms”). Dapat tanggapin ng Customer ang Plaid Flow-Down Terms sa loob ng Unified Loan System console bago paganahin ang anumang tampok ng Plaid. Ang pagtanggap ng Customer sa Plaid Flow-Down Terms ay naitatala kasama ang bersyon, timestamp, IP, at user agent para sa audit replay.","w3legal.dpaDsrBody":"Magbibigay ang Unified Loan System ng makatwirang tulong upang matulungan ang Customer na tuparin ang mga obligasyon ng Customer na tumugon sa mga kahilingan ng data-subject (kabilang ang mga kahilingan ng nanghihiram na i-access, itama, tanggalin, o i-export ang kanilang impormasyon). Ang Customer ang may pananagutan sa pag-verify ng pagkakakilanlan ng mga humihiling at sa pinagbabatayang desisyon kung ipagkakaloob ang kahilingan.","w3legal.dpaIncidentsBody":"Aabisuhan ng Unified Loan System ang Customer nang walang labis na pagkaantala pagkatapos malaman ang isang nakumpirmang Security Incident na nakakaapekto sa Borrower NPI na Pinroseso sa ilalim ng DPA na ito, at magbibigay ng impormasyong makatwirang kinakailangan upang matugunan ng Customer ang sarili nitong mga obligasyon sa pag-abiso sa ilalim ng naaangkop na batas.","w3legal.dpaAuditsBody":"Isang beses bawat taon, na may hindi bababa sa tatlumpung (30) araw na nakasulat na abiso, maaaring i-audit ng Customer (o isang independiyenteng auditor na pinili ng Customer, na sumasailalim sa pagiging kumpidensyal) ang pagsunod ng Unified Loan System sa DPA na ito. Maaaring tuparin ng Unified Loan System ang obligasyong ito sa pamamagitan ng pagbibigay ng mga kamakailang third-party audit report (hal., SOC 2 Type II o katumbas) kapag available.","w3legal.dpaReturnDeletionBody":"Sa pagwawakas ng MSA, maaaring hilingin ng Customer ang pagbabalik ng kanyang Borrower NPI sa isang portable na format. Buburahin o gagawing anonymous ng Unified Loan System ang Borrower NPI sa loob ng siyamnapung (90) araw mula sa pagwawakas, maliban kung ang pagpapanatili ay kinakailangan ng naaangkop na batas o para sa pagtatatag, paggamit, o pagtatanggol ng mga legal na claim.","w3legal.dpaTransfersBody":"Pinoproseso ng Unified Loan System ang Borrower NPI sa Estados Unidos. Hindi inililipat ng Unified Loan System ang Borrower NPI sa labas ng Estados Unidos nang walang paunang nakasulat na pahintulot ng Customer.","w3legal.dpaLiabilityBody":"Ang mga limitasyon ng pananagutan na itinakda sa MSA ay nalalapat sa DPA na ito. Ang pananagutan ng bawat partido sa ilalim ng DPA na ito ay sumasailalim sa mga limitasyong iyon.","w3legal.msaEffective":"Magkakabisa simula 2026-05-06.","w3legal.msaTocPartiesScope":"1. Mga Partido at Saklaw","w3legal.msaTocEligibility":"2. Pagiging Kwalipikado ng Customer","w3legal.msaTocLicenseGrant":"3. Pagkakaloob ng Lisensya","w3legal.msaTocCustomerResponsibilities":"4. Mga Pananagutan ng Customer","w3legal.msaTocOnboarding":"5. Onboarding at Pag-verify ng Lisensya","w3legal.msaTocThirdParty":"6. Mga Serbisyo ng Third-Party","w3legal.msaTocFees":"7. Mga Bayarin at Pagbabayad","w3legal.msaTocDataOwnership":"8. Pagmamay-ari at Paggamit ng Datos","w3legal.msaTocConfidentiality":"9. Pagkakumpidensyal","w3legal.msaTocWarranties":"10. Mga Garantiya; Mga Pagtatatwa","w3legal.msaTocLiability":"11. Limitasyon ng Pananagutan","w3legal.msaTocIndemnification":"12. Indemnipikasyon","w3legal.msaTocTerm":"13. Termino; Pagwawakas","w3legal.msaTocGoverningLaw":"14. Namamahalang Batas","w3legal.msaTocEntireAgreement":"15. Buong Kasunduan; Mga Update","w3legal.msaPartiesScopeBody":"Ang Master SaaS Agreement na ito (ang “Agreement”) ay sa pagitan ng California Mortgage Solutions, Inc., isang korporasyon ng California na nag-ooperate sa ilalim ng pangalang pangkalakalan na Unified Loan System (“Unified Loan System”, “we”, o “us”), at ng entidad ng negosyo na nagrerehistro ng isang Broker Console workspace (“Customer” o “you”). Pinamamahalaan nito ang iyong pag-access at paggamit ng Unified Loan System Broker Console software-as-a-service platform (ang “Service”).","w3legal.msaEligibilityBo

1dy":"Ang Service ay inaalok lamang sa mga mortgage broker, mortgage loan originator, at mga mortgage broker entity na may aktibong lisensyang ibinigay sa ilalim ng pederal na Nationwide Mortgage Licensing System (“NMLS”) at ng kaukulang mga awtoridad ng estado. Sa pagtanggap sa Agreement na ito, kinakatawan at ginagarantiyahan mo na (a) mayroon kang kasalukuyan, aktibong lisensyang NMLS upang mag-originate ng residential mortgage loans, (b) lahat ng impormasyong korporasyon at pagkakakilanlan na ibinibigay mo (kabilang ang legal na pangalan ng negosyo, address ng korporasyon, EIN, at NMLS ID) ay tumpak, at (c) ikaw ay awtorisadong itali ang iyong entidad ng negosyo sa Agreement na ito.","w3legal.msaLicenseGrantBody":"Sa ilalim ng iyong patuloy na pagsunod sa Agreement na ito, ipinagkakaloob ng Unified Loan System sa iyo ang isang non-exclusive, non-transferable, revocable na lisensya upang i-access at gamitin ang Service para sa iyong panloob na layuning pangnegosyo sa loob ng termino. Hindi mo maaaring (a) i-sublicense, ibenta muli, o komersyal na pagsamantalahan ang Service; (b) i-reverse-engineer o subukang kunin ang source code; (c) iwasan ang anumang teknikal na limitasyon, rate limit, o kontrol sa seguridad; o (d) gamitin ang Service upang labagin ang anumang batas, regulasyon, o karapatan ng third-party.","w3legal.msaCustomerResponsibilitiesBody":"Ikaw lamang ang may pananagutan para sa (a) katumpakan at legalidad ng anumang datos na isinusumite mo sa Service, kabilang ang impormasyon ng borrower; (b) pagkuha ng lahat ng kinakailangang pahintulot mula sa iyong mga borrower bago isumite ang kanilang non-public personal information (“NPI”) sa Service; (c) pagkakumpidensyal ng iyong mga kredensyal ng account at ng mga aksyon ng iyong mga awtorisadong user; (d) pagsunod sa lahat ng pederal at pang-estadong batas sa mortgage lending na naaangkop sa iyong negosyo, kabilang ang TILA, RESPA, ECOA, ang SAFE Act, at ang mga partikular sa estado na batas laban sa predatory lending; at (e) pagpapanatili ng kasalukuyan, aktibong lisensyang NMLS sa bawat estado kung saan ka nag-o-originate ng mga loan sa pamamagitan ng Service.","w3legal.msaOnboardingBody":"Bago bigyan ng production access, kakailanganin mong (a) ibigay ang iyong legal na pangalan ng negosyo, address ng korporasyon, EIN, at pederal na NMLS ID; (b) isagawa ang Agreement na ito at ang Data Processing Agreement (ang “DPA”); at (c) makapasa sa isang pagsusuri ng katayuan ng lisensya. Nagsasagawa ang Unified Loan System ng tuloy-tuloy, awtomatikong muling pagsusuri ng katayuan ng lisensyang NMLS. Kung ang iyong lisensya ay maging inactive, expired, suspended, revoked, o kung hindi man ay hindi aktibo sa anumang kadahilanan, awtomatikong mafri-freeze ang iyong workspace at masu-suspinde ang access sa lahat ng tampok ng Service (kabilang ang mga third-party na integrasyon tulad ng Plaid) hanggang maibalik ang katayuan ng lisensya.","w3legal.msaThirdPartyBody":"Ang Service ay umaasa sa mga third-party na provider kabilang ang Plaid, Inc., Resend, AWS, OpenAI, Anthropic, at iba pa (sama-samang tinatawag na “Third-Party Services”). Ang paggamit ng mga tampok na nag-iintegrate sa Third-Party Services ay napapailalim sa naaangkop na mga tuntunin ng third-party, kabilang ang anumang flow-down na mga tuntunin na ipinapasa sa ilalim ng DPA. Walang ibinibigay na warranty ang Unified Loan System tungkol sa Third-Party Services at hindi responsable sa kanilang availability, katumpakan, o mga aksyon.","w3legal.msaFeesBody":"Ang mga bayarin sa subscription, mga metered pass-through na singil, at anumang naaangkop na usage-based na bayarin ay inilalarawan sa pricing page o sa order form na isinagawa sa pag-signup. Ang mga bayarin ay dapat bayaran nang maaga para sa panahon ng subscription at sa batayang usage-billed para sa mga metered na tampok. Maaaring i-suspinde ng Unified Loan System ang Service dahil sa hindi pagbabayad pagkatapos ng tatlumpung (30) araw na abiso.","

1w3legal.msaDataOwnershipBody":"Pinapanatili mo ang lahat ng karapatan, titulo, at interes sa iyong customer data at anumang datos na isinusumite mo sa Service. Ipinagkakaloob mo sa Unified Loan System ang isang limitadong lisensya upang iproseso ang datos na ito tanging sa lawak na kinakailangan upang ibigay ang Service at ayon sa karagdagang inilalarawan sa DPA. Hindi ibebenta, irerenta, o ibubunyag ng Unified Loan System ang iyong datos maliban kung iniaatas ng batas o tahasang pinapahintulutan sa DPA.","w3legal.msaConfidentialityBody":"Sumasang-ayon ang bawat partido na (a) protektahan ang Confidential Information ng kabilang partido gamit ang hindi bababa sa parehong pamantayan ng pag-iingat na ginagamit nito upang protektahan ang sarili nitong Confidential Information na may katulad na kahalagahan, at hindi bababa sa makatwirang pag-iingat; at (b) hindi gamitin ang Confidential Information maliban kung kinakailangan upang isagawa ang Agreement na ito.","w3legal.msaWarrantiesBody":"Ginagarantiyahan ng Unified Loan System na ang Service ay malaki ang pagsang-ayon sa nai-publish na dokumentasyon. MALIBAN SA MGA TAHASANG WARRANTY SA SEKSYONG ITO, ANG SERVICE AY IBINIBIGAY “AS IS” AT ITINATATWA NG UNIFIED LOAN SYSTEM ANG LAHAT NG IBA PANG WARRANTY, TAHASAN MAN O IPINAHIHIWATIG, KABILANG ANG MGA WARRANTY NG MERCHANTABILITY, KAANGKUPAN PARA SA ISANG PARTIKULAR NA LAYUNIN, AT NON-INFRINGEMENT.","w3legal.msaLiabilityBody":"SA PINAKAMATAAS NA LAWAK NA PINAHIHINTULUTAN NG BATAS, WALANG PARTIDONG MAGIGING MANANAGOT PARA SA HINDI TUWIRAN, CONSEQUENTIAL, INCIDENTAL, O PUNITIVE NA MGA PINSALA, O PARA SA NAWALANG KITA O NAWALANG DATOS. ANG PINAGSAMANG PANANAGUTAN NG BAWAT PARTIDO SA ILALIM NG AGREEMENT NA ITO AY HINDI HIHIGIT SA MGA BAYARING BINAYARAN O DAPAT BAYARAN NG CUSTOMER SA UNIFIED LOAN SYSTEM SA LABING-DALAWANG (12) BUWAN BAGO ANG PANGYAYARING NAGBUNSOD NG PANANAGUTAN.","w3legal.msaIndemnificationBody":"Ipagtatanggol at babayaran (indemnify) ninyo ang Unified Loan System laban sa anumang paghahabol ng ikatlong partido na nagmumula sa (a) paglabag ninyo sa Kasunduang ito, (b) paglabag ninyo sa anumang batas o regulasyon, (c) ang datos na isinumite ninyo sa Serbisyo, o (d) ang inyong pag-originate, pagproseso, o pagsasara ng anumang pautang. Ipagtatanggol kayo ng Unified Loan System laban sa anumang paghahabol ng ikatlong partido na ang Serbisyo, gaya ng ibinibigay ng Unified Loan System, ay lumalabag sa isang karapatang intelektwal na pag-aari (intellectual-property right) ng ikatlong partido sa Estados Unidos.","w3legal.msaTermBody":"Nagsisimula ang Kasunduang ito kapag tinanggap ninyo ito at magpapatuloy hanggang matapos. Maaaring tapusin ng alinmang partido dahil sa materyal na paglabag kung ang paglabag ay hindi naayos sa loob ng tatlumpung (30) araw mula sa nakasulat na abiso. Maaaring agad na suspindihin o tapusin ng Unified Loan System kapag may freeze event sa ilalim ng Seksyon 5, paglabag sa Seksyon 4, o isang kapani-paniwalang insidente sa pagsunod o seguridad.","w3legal.msaGoverningLawBody":"Ang Kasunduang ito ay pinamamahalaan ng mga batas ng Estado ng California, nang hindi isinasaalang-alang ang mga prinsipyo ng conflict-of-laws. Pumapayag ang mga partido sa eksklusibong hurisdiksyon ng mga korte ng estado at pederal na matatagpuan sa San Luis Obispo County, California.","w3legal.msaEntireAgreementBody":'Ang Kasunduang ito, kasama ang "DPA", ang bumubuo sa buong kasunduan sa pagitan ng mga partido kaugnay ng Serbisyo at pumapalit sa lahat ng naunang kasunduan. Maaaring i-update ng Unified Loan System ang Kasunduang ito paminsan-minsan; ipapaalam ang mga update sa pamamagitan ng pag-post ng bagong bersyon na may bagong version identifier at petsa ng pagkakabisa. Ang patuloy ninyong paggamit ng Serbisyo pagkatapos ng petsa ng pagkakabisa ay bumubuo ng pagtanggap sa na-update na Kasunduan.',"w3legal.subProcessorsEyebrow":"Unified Loan System \xb7 Legal \xb7 Mga Sub-processor","w3legal.subProcessorsTitle":"Mga Sub-Processor na Ikatlong Partido","w3legal.subProcessorsLastUpdated":"Huling na-update noong 2026-05-07.","w3legal.subProcessorsIntro1Before":'Ang mga ikatlong partido na nakalista sa ibaba ay mga awtorisadong sub-processor na maaaring mag-Prose

1so ng "Borrower NPI" sa ngalan ng mga customer ng Unified Loan System, kaugnay ng operasyon ng Serbisyo. Nagpapataw kami sa bawat sub-processor ng mga kontraktwal na obligasyon sa proteksyon ng datos na hindi bababa sa proteksyong itinakda sa aming',"w3legal.subProcessorsIntro2":'Magbibigay kami ng abiso tungkol sa anumang bagong sub-processor na humahawak ng "Borrower NPI" bago sila pahintulutang gawin ito. Maaaring tumutol ang mga customer sa isang bagong sub-processor nang nakasulat sa loob ng tatlumpung (30) araw mula sa abiso; kung hindi namin makatwirang matutugunan ang pagtutol, maaaring tapusin ng customer ang apektadong bahagi ng Serbisyo.',"w3legal.subProcessorsTheirDpa":"Kanilang DPA →","w3legal.subProcessorsColPurpose":"Layunin","w3legal.subProcessorsColLocation":"Lokasyon","w3legal.subProcessorsColDataCategories":"Mga kategorya ng datos","w3legal.unsubCatMarketingLabel":"Mga email sa marketing","w3legal.unsubCatMarketingDesc":"Mga email ng kampanya, promosyon, at newsletter","w3legal.unsubCatTransactionalLabel":"Mga transaksyonal na email","w3legal.unsubCatTransactionalDesc":"Mga update sa status ng pautang, mga abiso sa dokumento","w3legal.unsubCatUpdatesLabel":"Mga update sa produkto","w3legal.unsubCatUpdatesDesc":"Mga anunsyo ng tampok at balita sa platform","w3legal.unsubInvalidLink":"Hindi wastong link.","w3legal.unsubCouldNotVerify":"Hindi ma-verify ang iyong unsubscribe link.","w3legal.unsubSelectCategory":"Lagyan ng check ang kahon sa itaas para kumpirmahin ang pag-opt out.","w3legal.unsubSomethingWrong":"May nangyaring mali.","w3legal.unsubNetworkError":"Error sa network. Mangyaring subukan muli.","w3legal.unsubInvalidTitle":"Hindi Wastong Link sa Pag-unsubscribe","w3legal.unsubInvalidBody":"Ang link na ito sa pag-unsubscribe ay hindi wasto o nag-expire na. Mangyaring gamitin ang link mula sa iyong pinakahuling email.","w3legal.unsubVerifying":"Bineberipika ang iyong link...","w3legal.unsubSuccessTitle":"Na-update ang mga Kagustuhan","w3legal.unsubSuccessBody":"Na-save na ang iyong mga kagustuhan sa email. Hindi ka na makakatanggap ng mga email para sa mga napiling kategorya.","w3legal.unsubSuccessNote":"Maaaring tumagal nang hanggang 24 na oras bago ganap na magkabisa ang mga pagbabago.","w3legal.unsubFormTitle":"Mga Kagustuhan sa Email","w3legal.unsubFormManage":"Pamahalaan kung aling mga email ang natatanggap mo mula sa amin. Ang pag-unsubscribe mula sa","w3legal.unsubAllTitle":"Mag-unsubscribe sa mga email sa marketing","w3legal.unsubAllDesc":"Ang mga mensahe tungkol sa iyong loan (mga update sa status, kahilingan sa dokumento at iba pang abiso sa serbisyo) ay ipapadala pa rin.","w3legal.unsubChooseCategories":"O pumili ng mga tiyak na kategorya:","w3legal.unsubReasonLabel":"Dahilan (opsyonal)","w3legal.unsubReasonPlaceholder":"Ipaalam sa amin kung bakit ka nag-a-unsubscribe...","w3legal.unsubSaving":"Sine-save...","w3legal.unsubUpdate":"I-update ang mga Kagustuhan","w3legal.unsubCanSpam":"Sumusunod sa CAN-SPAM. Ang iyong kahilingan ay ipoproseso sa loob ng 10 araw ng trabaho.","w3legal.unsubLoading":"Naglo-load...","w3legal.glbaTitle":"Patakaran sa Seguridad ng Impormasyon ng GLBA Safeguards","w3legal.glbaEffective":"Magkakabisa sa 2026-05-16.","w3legal.glbaTocScope":"1. Saklaw at Naaangkop na Batas","w3legal.glbaTocQualifiedIndividual":"2. Kwalipikadong Indibidwal","w3legal.glbaTocRiskAssessment":"3. Pagtatasa ng Panganib","w3legal.glbaTocAccessControls":"4. Mga Kontrol sa Pag-access","w3legal.glbaTocInventory":"5. Imbentaryo ng Impormasyon","w3legal.glbaTocEncryption":"6. Pag-encrypt","w3legal.glbaTocSecureDevelopment":"7. Ligtas na Pagbuo","w3legal.glbaTocMfa":"8. Multi-Factor na Pagpapatunay","w3legal.glbaTocDisposal":"9. Pagtatapon ng Impormasyon","w3legal.glbaTocChangeManagement":"10. Pamamahala ng Pagbabago","w3legal.glbaTocMonitoring":"11. Pagsubaybay at Pag-log","w3legal.glbaTocTraining":"12. Pagsasanay ng Tauhan","w3legal.glbaTocServiceProviders":"13. Pangangasiwa sa Service Provider","w3legal.glbaTocEvaluation":"14. Pana-panahong Pagsusuri","w3legal.glbaTocIncidentResponse":"15. Pagtugon sa Insidente","w3legal.glbaTocReporting":"16. Tau

1nang Pag-uulat","w3legal.glbaScopeBody":"Ang Patakaran sa Seguridad ng Impormasyon na ito (ang “Policy”) ay nagpapatupad ng komprehensibong nakasulat na programa sa seguridad ng impormasyon ng Unified Loan System na kinakailangan ng Safeguards Rule ng Federal Trade Commission sa ilalim ng Gramm-Leach-Bliley Act, 16 C.F.R. Part 314 (ang “Safeguards Rule”). Nalalapat ito sa lahat ng nonpublic na personal na impormasyon (“NPI”) na Pinoproseso ng Unified Loan System sa ngalan ng mga broker tenant nito kaugnay ng Serbisyo. Ang bawat broker tenant ay isang “financial institution” sa ilalim ng Safeguards Rule at responsable sa sarili nitong nakasulat na programa sa seguridad ng impormasyon; pinamamahalaan ng Policy na ito ang antas ng platform ng proteksyon ng NPI.","w3legal.glbaQualifiedIndividualBody":"Nagtatalaga ang Unified Loan System ng isang Kwalipikadong Indibidwal na responsable sa pangangasiwa, pagpapatupad, at pagpapatupad ng Policy na ito. Ang Kwalipikadong Indibidwal ay pana-panahong nag-uulat sa namamahalang katawan ng Unified Loan System (ang founder, sa kaso ng isang single-member na entity) tungkol sa katayuan ng programa ng seguridad. Sa petsa ng pagkakabisa, ang Kwalipikadong Indibidwal ay ang founder ng Unified Loan System; maaaring muling italaga ang responsibilidad na ito nang nakasulat.","w3legal.glbaRiskAssessmentBody":"Nagsasagawa at nagdodokumento ang Unified Loan System ng nakasulat na pagtatasa ng panganib nang hindi bababa sa taun-taon, at sa tuwing ang isang materyal na pagbabago sa operasyon ay maaaring makaapekto sa seguridad ng NPI. Tinutukoy ng pagtatasa ang makatwirang nakikinitang panloob at panlabas na mga panganib sa seguridad, pagiging kumpidensyal, at integridad ng NPI; sinusuri ang kasapatan ng mga safeguard na nakalagay upang kontrolin ang mga panganib na iyon; at ginagamit upang baguhin ang Policy na ito kung kinakailangan. Ang mga resulta ng pagtatasa ng panganib ay pinananatili nang hindi bababa sa limang (5) taon.","w3legal.glbaAccessControlsBody":"Ang pag-access sa NPI ay pinaghihigpitan batay sa least-privilege at need-to-know na batayan. Ang access sa production ay nangangailangan ng napatunayang pagkakakilanlan (SSO o mga kredensyal na sinusuportahan ng hardware-key), awtorisasyong tahasang ibinigay 

1ng Kwalipikadong Indibidwal, at may-takdang-panahong elevation para sa mga sensitibong operasyon. Tinitiyak ng tenant-level na paghihiwalay sa platform na ang mga tauhan ng isang broker tenant ay hindi maa-access ang NPI ng ibang tenant. Sinusuri ang mga pribilehiyo sa pag-access nang hindi bababa sa bawat anim (6) na buwan at binabawi sa pagbabago ng tungkulin o paghihiwalay.","w3legal.glbaInventoryBody":"Nagpapanatili ang Unified Loan System ng imbentaryo ng mga sistemang Nangongolekta, Nag-iimbak, Nagpoproseso, Nagpapadala, o Nagtatapon ng NPI. Tinutukoy ng imbentaryo ang sistema, ang mga kategorya ng NPI na hinahawakan, ang daloy ng data, ang klase ng pagpapanatili, at ang responsableng may-ari. Sinusuri ang imbentaryo nang hindi bababa sa taun-taon at ina-update kapag may materyal na pagbabago.","w3legal.glbaEncryptionBody":"Ang NPI ay naka-encrypt habang nasa transit at habang naka-imbak gamit ang mga algoritmong pamantayan sa industriya (TLS 1.2 o mas mataas para sa transit; AES-256 o katumbas para sa imbakan). Ang mga encryption key ay pinapamahalaan sa pamamagitan ng managed key service ng cloud provider na may naka-log at na-audit na access. Kung hindi maisasakatuparan ang pag-encrypt ng partikular na mga data field, ina-aprubahan at idinodokumento ng Qualified Individual nang nakasulat ang paggamit ng epektibong alternatibong compensating controls.","w3legal.glbaSecureDevelopmentBody":"Ang pagbuo ng software ay sumusunod sa mga ligtas na kasanayan sa coding, kabilang ang code review, static analysis, dependency-vulnerability scanning, at pagsusuri bago ang deployment. Ang mga production deployment ay version-controlled, sinusuri, at inaaprubahan. Ang mga third-party library ay ininbentaryo at sinusubaybayan para sa mga advisory.","w3legal.glbaMfaBody":"Kinakailangan ang multi-factor authentication para sa sinumang indibidwal na nag-a-access ng NPI sa ngalan ng Unified Loan System, maliban kung ina-aprubahan at idinodokumento ng Qualified Individual nang nakasulat ang paggamit ng makatwirang katumbas o mas ligtas na mga access control. Kinakailangan ang hardware-key-backed authentication para sa administratibong access sa production system.","w3legal.glbaDisposalBody":"Ang NPI ay ligtas na itinatapon nang hindi lalampas sa dalawang (2) taon pagkatapos ng huling petsa na ginamit ang impormasyon kaugnay ng Serbisyo, maliban kung kinakailangang panatilihin ayon sa naaangkop na batas, lehitimong pangangailangan sa negosyo, o ayon sa napagkasunduan sa MSA o DPA. Ginagawa ng mga pamamaraan ng pagtatapon na hindi mabasa, hindi maintindihan, at hindi muling mabuo ang impormasyon.","w3legal.glbaChangeManagementBody":"Ang mga materyal na pagbabago sa mga sistema ng impormasyon ng platform ay sinusuri laban sa Patakarang ito bago i-deploy. Ang mga pagbabago sa mga bahaging humahawak ng NPI ay nangangailangan ng pag-apruba ng Qualified Individual. Ang mga pagbabago sa production ay version-controlled na may attribution, timestamp, at landas ng pagbabalik.","w3legal.glbaMonitoringBody":"Sinusubaybayan ng Unified Loan System ang aktibidad ng mga user na pinahihintulutang mag-access ng NPI at nila-log ang mahahalagang kaganapan sa seguridad at access. Ang mga log ay pinananatili nang hindi bababa sa isang (1) taon at pana-panahong sinusuri ng Qualified Individual para sa mga anomalya. Pinapanatili ng Serbisyo ang mga audit trail ng mga operasyong nag-a-access ng NPI sa antas ng broker-tenant upang makatugon ang mga tenant sa kanilang sariling mga regulatoryong pagtatanong.","w3legal.glbaTrainingBody":"Lahat ng tauhan ng Unified Loan System na may access sa NPI ay tumatanggap ng security-awareness training sa oras ng pagkuha at taun-taon pagkatapos nito. Sinusuri ng Qualified Individual ang kasapatan at kasalukuyang bisa ng pagsasanay batay sa nagbabagong mga panganib.","w3legal.glbaServiceProvidersBody":"Pumipili ang Unified Loan System ng mga service provider na may kakayahang magpanatili ng angkop na mga pananggalang para sa NPI; hinihiling sa mga service provider sa pamamagitan ng kontrata na ipatupad at panatilihin ang mga ganitong pananggalang; at pana-panahong sinusuri ang mga service provider batay sa panganib na kanilang dala at sa patuloy na kasapatan ng kanilang mga pananggalang. Isang kasalukuyang listahan ng mga subprocessor ay pinapanatili sa","w3legal.glbaEvaluationBody":"Sinusuri ng Qualified Indiv

1idual ang Patakarang ito nang hindi bababa sa taun-taon, at kapag may materyal na pagbabago sa mga operasyon ng platform o sa kapaligiran ng banta. Ang mga pagsasaayos ay idinodokumento at ipinapaalam sa mga kaugnay na tauhan.","w3legal.glbaIncidentResponseBody":"Nagpapanatili ang Unified Loan System ng nakasulat na incident-response plan na may sumusunod na mga bahagi: internal na proseso ng pagtugon; mga tungkulin at responsibilidad; panlabas at panloob na komunikasyon; mga kinakailangan sa dokumentasyon at pag-uulat; at pagsusuri at remediation pagkatapos ng insidente. Kasunod ng isang Security Incident na nakaaapekto sa NPI, inaabisuhan ng Unified Loan System ang mga apektadong broker tenant ayon sa hinihingi ng DPA nang walang labis na pagkaantala, at sinusuportahan ang mga tenant sa kanilang mga downstream na obligasyon sa regulatoryo at sa pag-abiso sa borrower.","w3legal.glbaReportingBody":"Naghahanda ang Qualified Individual ng nakasulat na ulat nang hindi bababa sa taun-taon para sa namamahalang katawan ng Unified Loan System, na sumasaklaw sa: kabuuang katayuan ng programa sa seguridad ng impormasyon; mga materyal na bagay na may kaugnayan sa programa (kabilang ang risk assessment, mga resulta ng pagsusuri at pagsubaybay, mga security event, mga rekomendasyon para sa mga pagbabago sa programa); at anumang kaayusan sa service-provider na nangangailangan ng pansin.","w3legal.smsEntityLine":"Unified Loan System, isang DBA ng California Mortgage Solutions, Inc.  \xb7  Huling na-update: Hunyo 9, 2026.","w3legal.smsOptInTitle":"Pag-opt-In at Pahintulot sa SMS","w3legal.smsOptInIntroBefore":"Ito ang SMS opt-in na ipinapakita sa mga borrower sa panahon ng pag-signup ng account sa","w3legal.smsOptInIntroMiddle":"— sa huling hakbang na “Review & accept,” direkta sa ilalim ng phone-number field — at sa loan application (Hakbang 10, “Disclosures & Consent”). Ang pahintulot na tumanggap ng mga text message ay","w3legal.smsOptInOptional":"opsyonal","w3legal.smsOptInIntroComma":", ang mga kahon ay","w3legal.smsOptInUnchecked":"hindi naka-check bilang default","w3legal.smsOptInIntroAnd":", at ito ay","w3legal.smsOptInNotRequired":"hindi kinakailangan","w3legal.smsOptInIntroAfter":"upang lumikha ng account o gamitin ang serbisyo.","w3legal.smsOptInAgreeHeading":"Ang iyong pinapasangayunan","w3legal.smsOptInAgreeBody1":"Kapag ibinigay mo ang iyong mobile number sa panahon ng pag-sign up ng account (o sa iyong aplikasyon ng pautang) at nilagyan ng tsek ang isa o higit pa sa mga kahong ito, sumasang-ayon kang tumanggap ng paulit-ulit na transaksyonal na SMS text message mula sa Unified Loan System (California Mortgage Solutions, Inc.) para sa mga kategoryang iyong pipiliin — halimbawa, mga one-time na security/login code, mga update sa katayuan ng pautang, at mga paalala sa dokumento, closing at e-sign.","w3legal.smsOptInAgreeBody2Before":"Nag-iiba ang dalas ng mensahe ayon sa kategorya at ayon sa aktibidad sa iyong loan file (karaniwang 2–15 mensahe bawat buwan sa bawat kategorya).","w3legal.smsOptInReplyBefore":"Tumugon ng","w3legal.smsOptInReplyHelp":"para sa tulong o","w3legal.smsOptInReplyAfter":"upang kanselahin anumang oras. Ang mga carrier ay hindi mananagot para sa mga naantala o hindi naihatid na mensahe. Hindi kami nagpapadala ng marketing o promosyonal na text, at hindi namin kailanman ibinebenta, inuupahan, o ibinabahagi ang iyong mobile number o data ng SMS opt-in sa mga third party.","w3legal.smsFullTerms":"Buong Mga Tuntunin ng SMS","w3legal.smsRatesMayApply":"Maaaring magkaroon ng singil sa mensahe at data.","w3legal.smsTermsTitle":"Mga Tuntunin sa Komunikasyon sa SMS","w3legal.smsTermsTocWhoSends":"1. Sino ang Nagpapadala ng mga Mensaheng Ito","w3legal.smsTermsTocCategories":"2. Mga Kategorya ng Mensahe","w3legal.smsTermsTocOptIn":"3. Paano Ka Mag-opt In","w3legal.smsTermsTocFrequency":"4. Dalas ng Mensahe","w3legal.smsTermsTocOptOut":"5. Mga Keyword para sa Opt-Out at Tulong","w3legal.smsTermsTocRates":"6. Mga Singil sa Mensahe at Data","w3legal.smsTermsTocCarriers":"7. Mga Suportadong Carrier at Paghahatid","w3legal.smsTermsTocPrivacy":"8. Pagkapribado","w3legal.smsTermsTocChanges":"9. Mga Pagbabago sa mga Tuntuning Ito","w3legal.smsTermsTocContact":"10. Pakikipag-ugnayan","w3legal.smsWhoSendsBody":"Ang mga SMS message mula sa Unified Loan System ay ipinapadala ng California Mortgage Solutions, Inc. (na nag-ooperasyon sa ilalim ng trade name na “Unified Loan System”), isang mortgage brokerage na lisensyado sa California. Ang mga mensahe ay nagmumula sa mga numero ng telepono na nairehistro at na-verify sa aming telecommunications provider, ang Twil

1io Inc.","w3legal.smsCategoriesIntro":"Nagpapatakbo ang Unified Loan System ng tatlong independiyenteng programa ng SMS. Ang bawat isa ay nangangailangan ng sarili nitong nagpapatibay na pagsang-ayon (opt-in) na nakuha sa pag-signup ng account o sa iyong aplikasyon ng pautang. Maaari kang sumali sa anumang kombinasyon ng mga ito (o wala sa mga ito).","w3legal.smsCategoriesItem1Label":"Mga mensahe ng seguridad at pagpapatotoo.","w3legal.smsCategoriesItem1Body":"Mga code ng 2FA, mga alerto sa seguridad ng account, at mga mensahe ng seguridad. Karaniwang dalas: 5-10 mensahe bawat buwan.","w3legal.smsCategoriesItem2Label":"Katayuan ng pautang at mga update sa operasyon.","w3legal.smsCategoriesItem2Body":"Mga abiso sa katayuan ng pautang, mga kahilingan para sa dokumento, at mga komunikasyon ng nagpapahiram tungkol sa iyong aktibong file ng pautang. Karaniwang dalas: 5-15 mensahe bawat buwan.","w3legal.smsCategoriesItem3Label":"Mga paalala sa dokumento, pagsasara, at e-sign.","w3legal.smsCategoriesItem3Body":"Mga kahilingan sa e-sign, mga paalala sa petsa ng pagsasara, at mga abiso sa paglagda ng dokumento. Karaniwang dalas: 2-8 mensahe bawat buwan.","w3legal.smsCategoriesIndependentBefore":"Ang bawat programa ay independiyente. Ang pag-text ng","w3legal.smsCategoriesIndependentAfter":"ay nagbabawi sa lahat ng tatlo nang sabay-sabay, at ang SMS toggle sa Settings → Notifications ay nagpapahinto sa lahat ng text message sa iyong numero. Upang baguhin ang isang kategorya, makipag-ugnayan sa","w3legal.smsCategoriesBroker":"Ang mga account ng broker ay may katulad na mga opsyonal na kategorya, na nakukuha sa parehong paraan sa pagpaparehistro ng broker: seguridad at pagpapatotoo (5-10/buwan), aktibidad sa workspace at pipeline (10-25/buwan), at aktibidad sa account at dokumento (2-8/buwan).","w3legal.smsCategoriesNoMarketingLabel":"Hindi kami nagpapadala ng SMS para sa marketing o promosyon.","w3legal.smsCategoriesNoMarketingBody":"Hindi namin ibinabahagi ang iyong numero ng telepono sa mga ikatlong partido o kaakibat para sa kanilang sariling layuning pang-marketing.","w3legal.smsOptInIntro":"Tumatanggap ka lamang ng SMS mula sa Unified Loan System pagkatapos ng tahasan at nagpapatibay na pagsang-ayon (opt-in). Ang opt-in ay nakukuha sa isa sa mga sumusunod na paraan:","w3legal.smsOptInSignupLabel":"Sa panahon ng pag-signup ng account","w3legal.smsOptInAtPrefix":"sa","w3legal.smsOptInOr":"o","w3legal.smsOptInSignupAfter":", sa pamamagitan ng pag-tsek ng isang kahon ng pahintulot na nagbibigay-awtoridad sa Unified Loan System na magpadala ng transaksyonal na SMS sa numero ng telepono na iyong ibinigay.","w3legal.smsOptInApplyLabel":"Sa panahon ng aplikasyon ng pautang","w3legal.smsOptInApplyAfter":", Hakbang 10 (“Mga Pagsisiwalat at Pahintulot”), kung saan lumalabas ang parehong tatlong opsyonal na checkbox ng kategorya — ang bawat kategoryang iyong i-tsek ay nagtatala ng sarili nitong independiyenteng pahintulot sa SMS.","w3legal.smsOptInOtherPurpose":"Ang mga numero ng telepono na nakolekta para sa anumang ibang layunin (hal., impormasyon ng kontak para sa iyong loan officer) ay hindi naka-enroll sa SMS hangga't hindi ka hiwalay na sumang-ayon (opt-in).","w3legal.smsFrequencyBody":"Nag-iiba-iba ang dalas ng mga mensahe ayon sa kategorya. Tingnan ang Seksyon 2 sa itaas para sa karaniwang mga saklaw bawat kategorya (Seguridad at pagpapatotoo: 5-10/buwan; Katayuan ng pautang at mga update sa operasyon: 5-15/buwan; Mga paalala sa dokumento, pagsasara, at e-sign: 2-8/buwan). Ang iyong kabuuang buwanang dami ay nakadepende sa mga kategoryang iyong sinalihan at sa aktibidad sa iyong file ng pautang. Ang mga code ng pagpapatotoo ay ipinapadala lamang kapag nagsimula ka ng pag-login o isang sensitibong aksyon.","w3legal.smsOptOutIntro":"Maaari kang mag-opt out anumang oras sa pamamagitan ng pagtugon gamit ang alinman sa mga sumusunod na keyword sa anumang SMS na natatanggap mo mula sa Unified Loan System:","w3legal.smsOptOutAfterStopBefore":"Pagkatapos mong magpadala ng STOP keyword, makakatanggap ka ng isang huling mensahe ng kumpirmasyon at wala nang ipapadalang SMS sa numerong iyon hanggang sa muli kang mag-opt in. Upang muling mag-opt in, tumugon gamit ang","w3legal.smsOptOutReplyBefore":"Tumugon","w3legal.smsOptOutReplyMiddle":"anumang oras para sa impormasyon ng suporta, o bisitahin ang","w3legal.smsOptOutReplyEmail":"Maaari ka ring mag-email sa","w3legal.smsOptOutImportantLabel":"Mahalaga:","w3legal.smsOptOutImportantBody":"ang pag-opt out sa SMS ay hindi nangangahulugang nag-opt out ka rin sa email o sa mga in-app na notipikasyon, at hindi ito nakakaapekto sa pinagbabatayang file ng pautang. Maaaring mangailangan ang ilang authentication flow na gumamit ka ng alternatibong paraan (hal., authenticator app o email code) kung naka-disable ang SMS.","w3legal.smsRatesBody":"Hindi naniningil ang Unified Loan System ng bayad para sa SMS, ngunit maaaring maningil ang iyong wireless carrier para sa mga mensaheng natanggap o naipadala depende sa iyong plan. Makipag-ugnayan sa iyong carrier para sa mga detalye tungkol sa mga rate ng pagmememensahe ng iyong plan.","w3legal.smsCarriersBody":"Sinusuportahan ng Unified Loan System ang paghahatid ng SMS sa lahat ng pangunahing wireless carrier ng U.S., kabilang ang AT&T, Verizon, T-Mobile, US Cellular, Sprint, Boost Mobile, MetroPCS, at iba pa. Ang mga carrier ay hindi mananagot para sa mga naantala o hindi naihatid n

1a mensahe. Ang paghahatid ng anumang indibidwal na mensahe ay hindi ginagarantiyahan.","w3legal.smsPrivacyBefore":"Ang mga numero ng telepono at status ng pag-opt in sa SMS ay itinuturing na personal na impormasyon sa ilalim ng aming","w3legal.smsPrivacyAfter":"Hindi namin ibinebenta, inuupahan, o ibinabahagi ang mga numero ng telepono, data ng pag-opt in, o nilalaman ng SMS sa mga ikatlong partido para sa kanilang mga layunin sa marketing. Ang mga numero ng telepono ay ibinabahagi lamang sa aming SMS delivery provider (Twilio) nang mahigpit para sa layuning magpadala ng mga mensaheng pinili mong tanggapin.","w3legal.smsChangesBody":"Maaari naming i-update ang mga Tuntunin ng SMS na ito paminsan-minsan. Ang mahahalagang pagbabago ay makikita sa petsa ng “Last Updated” sa itaas. Ang patuloy na pagpapatala sa SMS pagkatapos ng mga pagbabago ay bumubuo ng pagtanggap sa na-update na mga tuntunin. Kung makabuluhan naming babaguhin ang mga kategorya ng mga mensaheng ipinapadala namin, makakatanggap ka ng abiso sa loob ng app o sa email at maaaring kailanganin mong muling kumpirmahin ang iyong pag-opt in.","w3legal.smsContactIntro":"Mga tanong tungkol sa mga Tuntunin ng SMS na ito o tungkol sa mga mensaheng natanggap mo mula sa Unified Loan System:","w3legal.smsContactEmailLabel":"Email:","w3legal.smsContactWebLabel":"Web:","w3legal.smsContactEntity":"Operating entity: California Mortgage Solutions, Inc., San Luis Obispo, CA","w3legal.smsSeeAlsoOur":"Tingnan din ang aming","w3info.changelog.eyebrow":"Changelog","w3info.changelog.heroPre":"Ano ang Bago sa","w3info.changelog.heroSub":"Bawat release, bawat pagpapabuti. Mabilis kaming mag-ship at dinodokumento ang lahat.","w3info.changelog.date.may2026":"Mayo 2026","w3info.changelog.date.apr2026":"Abril 2026","w3info.changelog.tag.major":"Major na Release","w3info.changelog.tag.feature":"Bagong Feature","w3info.changelog.tag.infra":"Infrastructure","w3info.changelog.tag.fix":"Pag-aayos ng Bug","w3info.changelog.v32.title":"Tri-Merge Credit Pull + AI Credit Report Analysis","w3info.changelog.v32.item1":"Live na tri-merge credit pulls sa pamamagitan ng SoftPro/FactualData na may totoong bureau scores","w3info.changelog.v32.item2":"AI-generated na credit narrative na direktang ipinapakita sa loan file","w3info.changelog.v32.item3":"Credit dashboard widget na may buod ng tradeline at mga derogatory flag","w3info.changelog.v32.item4":"Admin AI proxy auth-gate — lahat ng AI endpoint ay nangangailangan na ng valid na session","w3info.changelog.v31.title":"In-House eSign v1 — Live End-to-End","w3info.changelog.v31.item1":"PAdES-compliant na in-house eSign — walang per-envelope na DocuSign fee","w3info.changelog.v31.item2":"Audit trail ng nanghihiram: IP, timestamp, mga signed field na nakuha sa bawat event","w3info.changelog.v31.item3":"Dev signing cert na aktibo sa production; nakadokumento ang DigiCert cert path para sa investor flip","w3info.changelog.v31.item4":"Naka-pin ang PDF.js worker — zero-byte guard sa lahat ng na-upload na dokumento","w3info.changelog.v31.item5":"Smoke-tested: envelope af503135 na nilagdaan sa loan c7eb5d59","w3info.changelog.v30.title":"Security Hardening — Three-Tier Launch","w3info.changelog.v30.item1":"Account lockout, HIBP breach check, broker MFA, mga email alert para sa bagong device","w3info.changelog.v30.item2":"Security questions, session IP/UA binding, step-up auth para sa sensitive na field","w3info.changelog.v30.item3":"Passkeys (WebAuthn) sa pamamagitan ng @simplewebauthn — buong suporta sa browser","w3info.changelog.v30.item4":"Recent Sign-ins dashboard + Sign-out-everywhere + impossible-travel alerts","w3info.changelog.v30.item5":"Idle timeout + admin audit log UI sa /admin/audit","w3info.changelog.v29.title":"Plaid Bank Income + ID Scanner","w3info.changelog.v29.item1":"Plaid Link integration — live ang sandbox, naka-gate ang production sa MSA signature","w3info.changelog.v29.item2":"AAMVA barcode scanner: 3-mode (upload/camera/QR-handoff), 3-tier na extraction","w3info.changelog.v29.item3":"Dynamsoft browser-side decode na may ZXing server + vision OCR fallback","w3info.changelog.v29.item4":"Naka-wire ang Plaid Cashflow/Income Insights, Consumer Report, at Identity Match","w3info.changelog.v28.title":"Breeze AI Conversation Engine","w3info.changelog.v28.item1":"Breeze reply system: 12 feature na na-ship — smart scheduling, Gmail OAuth, calendar sync","w3info.changelog.v28.item2":"Breeze action cards: 8 action type, gap-aware na fix-it cards, 1003 field injection","w3info.changelog.v28.item3":"Conversation history switcher + persistence sa lahat ng session","w3info.changelog.v28.item4":"Scenario simulation, voice, at compliance copilot na mga mode","w3info.changelog.v27.title":"Compliance Engine + AUS Findings","w3info.changelog.v27.item1":"ATR, HMDA, OFAC, federal \xa71026.32 high-cost + CA/NY/TX/FL state routing","w3info.changelog.v27.item2":"AUS findings stubs: nag-pre-fill ang DU at LP ng qualifying income/DTI/LTV","w3info.changelog.v27.item3":"Live na ang MISMO 3.4 export — handa na para sa lender handoff","w3info.changelog.v27.item4":"HMDA LAR exporter + compliance re-compute sa bawat pag-edit ng loan","w3info.changelog.v26.title":"NAS Document Storage + Borrower Portal","w3info.changelog.v26.item1":"MinIO sa Synology NAS sa pamamagitan ng Cloudflare Tunnel — lahat ng upload ay off-cloud","w3info.changelog.v26.item2":"Muling itinayo ang borrower portal: 6 settings sub-page, profile, password, notifications","w3info.changelog.v26.item3":"Guest 1003 flow (Option A — walang NPI bago mag-signup) na may autofill sa pag-register","w3info.changelog.v26.item4":"First-visit tour + /borrower/help walkthrough na na-ship","w3info.changelog.ctaTextPre":"Nag-ship kami nang maraming beses kada linggo. I-star ang repo o i-follow","w3info.changelog.ctaTextPost":"para sa mga real-time na update.","w3info.changelog.ctaStartBuilding":"Simulan ang Pagbuo","w3info.changelog.ctaSeeFeatures":"Tingnan Lahat ng Feature","w3info.resources.eyebrow":"Mga Resource","w3info.resources.heroPre":"Broker","w3info.resources.heroAccent":"Mga Resource","w3info.resources.heroSub":"Mga gabay, dokumentasyon, at suporta upang matulungan kang masulit ang Unified Loan System.","w3info.resources.card.knowledgeBase.title":"Knowledge Base","w3info.resources.card.knowledgeBase.desc":"Step-by-step na mga gabay tungkol sa dashboard, pag-upload ng dokumento, AI underwriting decisions, at compliance checks.","w3info.resources.card.knowledgeBase.action":"Tingnan ang mga Gabay","w3info.resources.card.apiDocs.title":"API Documentation","w3info.resources.card.apiDocs.desc":"Technical docs para sa pag-integrate ng Unified Loan System sa iyong umiiral na CRM, LOS, o custom frontend sa pamamagitan ng REST API.","w3info.resources.card.apiDocs.action":"Basahin ang Docs","w3info.resources.card.videos.title":"Mga Video Walkthrough","w3info.resources.card.videos.desc":"Mga screen-recorded na walkthrough ng borrower portal, pi

1peline management, at AI condition review flows.","w3info.resources.card.videos.action":"Manood ng mga Video","w3info.resources.card.compliance.title":"Mga Gabay sa Compliance","w3info.resources.card.compliance.desc":"Dokumentasyon ng HMDA, ATR/Reg Z, OFAC, at state high-cost test na may mga worked example at export checklist.","w3info.resources.card.compliance.action":"Tingnan ang Compliance","w3info.resources.supportCta.heading":"Kailangan ng Personalized na Suporta?","w3info.resources.supportCta.body":"Nakahanda ang aming broker success team. Para sa mga komplikadong file, tanong sa compliance, o tulong sa onboarding — direktang makipag-ugnayan.","w3info.resources.supportCta.contact":"Makipag-ugnayan sa Suporta","w3info.resources.supportCta.allOptions":"Lahat ng Opsyon sa Pakikipag-ugnayan","w3info.apiDocs.backToResources":"Bumalik sa Mga Resource","w3info.apiDocs.title":"API Documentation","w3info.apiDocs.subtitle":"I-integrate ang underwriting engine ng Unified Loan System nang direkta sa iyong CRM.","w3info.apiDocs.previewNote":"Ito ay isang preview. Upang ma-access ang buong API reference, mangyaring makipag-ugnayan sa aming engineering team.","w3info.apiDocs.requestAccess":"Humiling ng API Access","w3info.guides.backToResources":"Bumalik sa Mga Resource","w3info.guides.title":"Knowledge Base","w3info.guides.subtitle":"Lahat ng kailangan mong malaman tungkol sa paggamit ng Unified Loan System.","w3info.guides.cat.gettingStarted":"Pagsisimula","w3info.guides.cat.documentManagement":"Pamamahala ng Dokumento","w3info.guides.cat.underwritingConditions":"Underwriting at mga Kondisyon","w3info.guides.link.settingUpProfile":"Pag-set up ng iyong Broker Profile","w3info.guides.link.invitingClient":"Pag-imbita sa iyong unang kliyente","w3info.guides.link.dashboardOverview":"Pag-unawa sa Dashboard","w3info.guides.link.scanningBestPractices":"Mga best practice sa pag-scan","w3info.guides.link.resolvingOcrErrors":"Paglutas ng mga OCR error","w3info.guides.link.secureSharing":"Secure na pagbabahagi ng dokumento","w3info.guides.link.interpretingAi":"Pag-unawa sa mga desisyon ng AI","w3info.guides.link.clearingConditions":"Awtomatikong pag-clear ng mga kondisyon","w3info.guides.link.manualReview":"Paghiling ng manual review","w3info.guideArticle.backToKb":"Bumalik sa Knowledge Base","w3info.guideArticle.helpful":"Nakatulong ba ang artikulong ito?","w3info.guideArticle.yes":"Oo","w3info.guideArticle.no":"Hindi","w3info.support.backToResources":"Bumalik sa Mga Resource","w3info.support.title":"Makipag-ugnayan sa Suporta","w3info.support.subtitle":"Nandito ang aming success team upang tulungan kang mag-clear ng mga kondisyon at isara ang mga loan.","w3info.support.emailUs":"Mag-email sa Amin","w3info.support.emailResponse":"4 na oras na average na oras ng pagtugon","w3info.support.liveChat":"Live Chat","w3info.support.chatAvailability":"Available sa Dashboard","w3info.support.chatHours":"Lun-Biy 9am - 6pm EST","w3info.support.submitTicket":"Magsumite ng Ticket","w3info.support.subjectLabel":"Paksa","w3info.support.subjectPlaceholder":"Maikling paglalarawan ng isyu","w3info.support.messageLabel":"Mensahe","w3info.support.messagePlaceholder":"Sabihin sa amin ang higit pa tungkol sa nangyari...","w3info.support.submitRequest":"Isumite ang Kahilingan","w3info.beta.errorInvalid":"Hindi valid ang beta access code. Pakisubukang muli.","w3info.beta.errorGeneric":"May nangyaring mali. Pakisubukang muli.","w3info.beta.eyebrow":"Private Beta","w3info.beta.title":"Beta Access","w3info.beta.subtitle":"Ang platform na ito ay nasa private development. Ilagay ang iyong invitation code upang magpatuloy.","w3info.beta.invitationCode":"Invitation code","w3info.beta.unlockAccess":"I-unlock ang Access","w3info.beta.loading":"Naglo-load…","w3borrower.toastUploading":"Ina-upload ang {name}…","w3borrower.toastUploaded":"Na-upload ang {name} — susuriin ito ng inyong loan officer.","w3borrower.toastUploadFailed":"Nabigo ang pag-upload: {reason}","w3borrower.uploadRejected":"Tinanggihan ang pag-upload","w3borrower.loadingCondition":"Nilo-load ang kondisyon…","w3borrower.conditionNotFound":"Hindi natagpuan ang kondisyon.","w3borrower.allConditions":"Lahat ng kondisyon","w3borrower.veraSuggestionPlainEnglish":"Ano ang ibig sabihin nito sa simpleng salita?","w3borrower.veraSuggestionWhereDocument":"Saan ko makukuha ang dokumentong ito?","w3borrower.veraSuggestionHowLong":"Gaano ito katagal?","w3borrower.veraSuggestionFromPhone":"Puwede ko bang ipadala ito mula sa aking telepono?","w3borrower.veraWelcome":"Sabihin ninyo sa akin kung ano ang nakakalito sa kondisyong ito.","w3borrower.errInvalidCode":"Hindi wasto o expired na ang code. Pakisubukan muli.","w3borrower.errSomethingWrong":"May nangyaring mali.","w3borrower.errThrottled":"Masyadong maaga — maghintay ng mga isang minuto, pagkatapos ay subukan muli.","w3borrower.errAuthenticatorApp":"Gumagamit ang account na ito ng authenticator app. Buksan ito at gamitin ang kasalukuyang 6-digit na code.","w3borrower.errResendFailed":"Hindi maipadala muli ang code. Tingnan ang inyong koneksyon at subukan muli.","w3borrower.verifyEyebrow":"Nanghihiram","w3borrower.verifyTitle":"Isang huling pagsusuri — patunayan na kayo nga","w3borrower.verifySubtitleEmailPrefix":"Kakapadala lang namin ng 6-digit na code sa email sa","w3borrower.verifySubtitleNoEmail":"Kakapadala lang namin sa inyo ng 6-digit na code sa email.","w3borrower.newCodeSent":"Naipadala na ang bagong code — tingnan ang inyong inbox (at ang spam folder).","w3borrower.whyCodeHeading":"Bakit kami nangangailangan ng code","w3borrower.whyCodeBody1":"Kahit may alam ang isang tao sa inyong password, hindi sila makaka-sign in nang walang access sa inyong inbox. Nagpapadala kami ng 6-digit na code","w3borrower.whyCodeBodyEmphasis":"sa tuwing nag-si-sign in kayo mula sa bagong device","w3borrower.whyCodeBody2":"— kapag nakilala na namin kayo sa browser na ito dati, hindi na kayo hihingan muli sa loob ng 30 araw.","w3borrower.lookForEmail":"Hanapin ang email na ito","w3borrower.emailFromLabel":"Mula kay:","w3borrower.emailSubjectLabel":"Paksa:","w3borrower.emailSubjectValue":"Ang inyong Unified Loan System login code","w3borrower.codeExpiresBefore":"Mag-e-expire ang code sa loob ng","w3borrower.codeExpiresDuration":"10 minuto","w3borrower.typeCodeLabel":"I-type ang 6-digit na code sa ibaba","w3borrower.codeTip":"Tip: ipinapakita ng karamihan sa mga email app ang code sa preview line — maaaring hindi ninyo kailangang buksan ang email.","w3borrower.verifyAndSignIn":"I-ver

1ify at mag-sign in","w3borrower.backToSignIn":"Bumalik sa pag-sign in","w3borrower.resendAriaSending":"Nagpapadala ng bagong code…","w3borrower.resendAriaSent":"Naipadala na ang code — tingnan ang inbox","w3borrower.resendAriaIdle":"Magpadala ng bagong code","w3borrower.resendSending":"Nagpapadala…","w3borrower.resendSent":"Naipadala na — tingnan ang inbox","w3borrower.resendIdle":"Magpadala ng bagong code","w3borrower.spamHint":'Hindi nakikita ang code? Tingnan ang inyong spam o promotions folder. Kung mag-expire ang code, pindutin ang "Magpadala ng bagong code" sa itaas.',"w3borrower.loading":"Nilo-load…","w3borrower.offlineTitle":"Offline kayo","w3borrower.offlineBody":"Mukhang naputol ang inyong koneksyon. Ligtas ang inyong loan application — nasa aming mga server ang bawat na-save na field, at mag-si-sync ang anumang kasalukuyang in-edit sa sandaling makabalik kayo online.","w3borrower.offlineReconnecting":"Muling kumukonekta…","w3borrower.offlineTryAgain":"Subukan muli","w3borrower.offlineBorrowerDashboard":"Dashboard ng nanghihiram","w3borrower.offlineContinueApplication":"Ipagpatuloy ang inyong application","w3borrower.offlineTip":"Tip: gumagana offline ang 1003 application wizard — mag-si-sync ang inyong mga in-edit sa aming mga server sa sandaling makabalik kayo online.","w3borrower.paymentReceivedTitle":"Natanggap ang bayad","w3borrower.cardSavedTitle":"Na-save ang card sa file","w3borrower.paymentReceivedBody":"Salamat. Awtomatikong naabisuhan na ang inyong broker, at magpapadala sa inyo ang Stripe ng detalyadong resibo sa email sa lalong madaling panahon.","w3borrower.cardSavedBody":"Ligtas nang naka-save sa Stripe ang inyong payment card. Awtomatikong maaabisuhan ang inyong broker — hindi na ninyo kailangang gumawa ng iba pa.","w3borrower.cardSavedDisclaimerBefore":"Ang inyong card ay","w3borrower.cardSavedDisclaimerNot":"hindi","w3borrower.cardSavedDisclaimerAfter":"sisingilin maliban kung hindi mag-close ang inyong loan, at para lamang sa mga dokumentadong third-party na gastos na binayaran ng inyong broker para sa inyo. Makakatanggap kayo ng detalyadong abiso bago ang anumang singil.","w3borrower.paymentCanceledTitle":"Kinansela ang bayad","w3borrower.cardNotSavedTitle":"Hindi na-save ang card","w3borrower.paymentCanceledBody":"Kinansela ninyo bago makumpleto ang bayad, kaya walang siningil. Puwede ninyong isara ang tab na ito o gamitin muli ang link mula sa inyong broker kapag handa na kayo.","w3borrower.cardNotSavedBody":"Kinansela ninyo bago makumpleto ang setup, kaya walang na-save na card. Puwede ninyong isara ang tab na ito o gamitin muli ang link mula sa inyong broker kapag handa na kayo.","w3borrower.closeThisTab":"Isara ang tab na ito","w3borrower.verifyUniversalTitle":"Universal Training Verification","w3borrower.testSuite":"Test Suite","w3borrower.testSuiteDescription":'Nagpapatakbo ng komprehensibong mga test laban sa bagong "Universal Document Training" logic. Sinisimulate nito ang 11 magkakaibang uri ng dokumento kasama ang Tax Returns, W-2s, IDs, at marami pa.',"w3borrower.runningTests":"Nagpapatakbo ng mga test...","w3borrower.runComprehensiveTests":"Patakbuhin ang komprehensibong mga test","w3borrower.results":"Mga Resulta","w3borrower.expectedLabel":"Inaasahan:","w3borrower.actualLabel":"Aktwal:","w3borrower.pass":"PASADO","w3borrower.fail":"BAGSAK","w3borrower.confLabel":"Conf:","w3borrower.plaidExchangeFailed":"Nabigo ang bank exchange","w3borrower.plaidLinked":"Naka-link na ang bangko — kinukuha na ang inyong mga account ngayon.","w3borrower.plaidReconnectFailed":"Nabigo ang mark-reconnected","w3borrower.plaidReconnected":"Naka-reconnect na ang bangko — napapanahon na muli ang data ng inyong loan.","w3borrower.plaidFinishFailed":"Hindi namin natapos ang pag-link sa inyong bangko. Subukan muli o gamitin ang manual upload.","w3borrower.plaidSessionEnded":"Natapos nang hindi inaasahan ang bank session. Subukan muli o mag-upload ng mga statement.","w3borrower.plaidSessionExpiredTitle":"Nag-expire ang bank-link session","w3borrower.plaidSessionExpiredBody1":"Wala kaming nahanap na aktibong bank-link session. Karaniwang nangyayari ito kapag mas tumagal ang authorization sa inyong bangko kaysa sa inaasahan, o kapag na-reload ang page na ito.","w3borrower.plaidSessionExpiredBody2":"Bumalik sa inyong loan application at i-click muli ang Connect Bank para magsimula ng bagong session.","w3borrower.plaidBackToDashboard":"Bumalik sa dashboard","w3borrower.plaidLinkingTitle":"Nila-link ang inyong bangko…","w3borrower.plaidResumingTitle":"Ipinagpapatuloy ang koneksyon sa bangko…","w3borrower.plaidLinkingBody":"Malapit nang matapos — sine-save ang inyong mga account sa inyong loan file.","w3borrower.plaidResumingBody":"Sandali lang habang muli kaming kumokonekta sa inyong bangko pagkatapos ng authorization.","w3sign.error.heading":"Hindi makapagpirma","w3sign.error.missingToken":"Nawawala ang access token.","w3sign.error.invali

1dLink":"Ang signing link na ito ay hindi wasto o nag-expire na.","w3sign.error.notFound":"Hindi nahanap ang envelope.","w3sign.error.alreadySigned":"Ang dokumentong ito ay napirmahan na.","w3sign.error.declined":"Ang kahilingan sa pagpirma na ito ay tinanggihan.","w3sign.error.linkUsed":"Ang signing link na ito ay nagamit na.","w3sign.error.somethingWrong":"May nangyaring mali","w3sign.error.tryAgain":"Subukan muli","w3sign.doc.fallbackTitle":"Dokumento","w3sign.consent.recordError":"Hindi maitala ang pahintulot ({status})","w3sign.consent.recordErrorRetry":"Hindi maitala ang inyong pahintulot. Pakisubukan muli.","w3sign.decline.failed":"Nabigo ang pagtanggi: {status}","w3sign.decline.recordError":"Nabigong maitala ang pagtanggi.","w3sign.decline.button":"Tumangging pumirma","w3sign.submit.placeAllFirst":"Pakilagay muna ang inyong pirma sa bawat kinakailangang lokasyon.","w3sign.submit.failed":"Nabigo ang pagpirma: {status}","w3sign.submit.failedRetry":"Nabigong maisumite ang pirma. Pakisubukan muli.","w3sign.submit.button":"Isumite ang napirmahang dokumento","w3sign.submit.needMoreOne":"Pumirma pa sa 1 field upang magpatuloy","w3sign.submit.needMoreMany":"Pumirma pa sa {count} field upang magpatuloy","w3sign.submitting.loaderLabel":"Pinoproseso ang pirma…","w3sign.submitting.title":"Isinusumite ang inyong pirma…","w3sign.submitting.body":"Sandali lang — tinatapos namin ang napirmahang dokumento.","w3sign.done.iconLabel":"Tagumpay","w3sign.done.title":"Tapos na kayong pumirma!","w3sign.done.bodyBefore":"Ang inyong napirmahang dokumento ay na-seal na. Isang kopya ang ipapadala sa email sa ","w3sign.done.bodyAfter":" sa loob ng ilang minuto.","w3sign.done.continue":"Magpatuloy","backs.title":"Ilang mabilisang pagkilala","backs.intro":"Bago magpatuloy, pakisuri at pirmahan ang mga abisong ito sa pag-setup ng account. Isang minuto lang ito.","backs.item.esign":"Pahintulot sa mga elektronikong dokumento at pirma","backs.item.glba":"Abiso sa privacy","backs.item.holden":"Abiso sa patas na pagpapautang","backs.status.signed":"Napirmahan","backs.status.awaiting":"Pipirmahan","backs.cta.start":"Suriin at pirmahan","backs.cta.continue":"Ipagpatuloy ang pagpirma","backs.cta.opening":"Binubuksan…","backs.later":"Paalalahanan ako mamaya","backs.error":"May naganap na problema sa pagbukas ng pahina ng pagpirma. Pakisubukan muli.","w3sign.declined.title":"Tinanggihan ang pagpirma","w3sign.declined.body":"Naitala 

1na namin ang inyong desisyon. Kung magbago ang inyong isip o may mga tanong, makipag-ugnayan sa inyong loan officer.","w3sign.header.signingAs":"Pumipirma bilang","w3sign.sign.stepLabel":"Hakbang 2 ng 2","w3sign.sign.heading":"Pirmahan ang inyong dokumento","w3sign.sign.instructionCreate":"Likhain ang inyong pirma sa ibaba, pagkatapos ay i-tap ang bawat naka-highlight na field sa dokumento upang ilapat ito.","w3sign.sign.instructionAllPlaced":"Napirmahan na ang lahat ng field — handa na kayong magsumite.","w3sign.sign.instructionProgress":"{placed} sa {total} na field ang napirmahan. I-tap ang bawat naka-highlight na field upang magpatuloy.","w3sign.sign.createSignature":"Likhain ang inyong pirma","w3sign.sign.intentNote":"Ang bawat field na i-tap ninyo ay nagtatala ng inyong intensyon na pumirma roon. Ang inyong huling napirmahang PDF ay na-seal at ipinapadala sa inyong email kapag nagsumite kayo.","w3sign.signature.label":"Ang inyong pirma","w3sign.signature.change":"Baguhin","w3sign.signature.adoptedAlt":"Ang inyong pinagtibay na pirma","w3sign.signature.initialsLabel":"Inisyal:","w3sign.signature.dateLabel":"Petsa:","w3sign.placeAll.one":"Pirmahan ang natitirang 1 field nang sabay-sabay","w3sign.placeAll.many":"Pirmahan ang natitirang {count} field nang sabay-sabay","w3sign.progress.pill":"{placed} sa {total} ang napirmahan","w3sign.progress.pillAria":"{placed} sa {total} na signature field ang napirmahan","w3sign.progress.listAria":"Progreso ng signature field","w3sign.progress.fieldsHeading":"Mga signature field","w3sign.progress.noFields":"Walang nahanap na signature field sa dokumentong ito.","w3sign.progress.page":"pahina {page}","w3sign.fieldType.initial":"Inisyal","w3sign.fieldType.date":"Petsa","w3sign.fieldType.signature":"Pirma","common.skipToMain":"Lumaktaw sa pangunahing nilalaman","rwset.heading":"Mga Setting","rwset.subheading":"Pamahalaan ang iyong account at mga kagustuhan.","rwset.backToAll":"Bumalik sa lahat ng setting","rwset.all":"Lahat","rwset.editInApplication":"Kailangang i-update ang iyong pangalan, email, o telepono? I-edit ang mga ito sa iyong aplikasyon","rwset.section.security.label":"Seguridad","rwset.section.security.desc":"Password, 2FA, mga passkey, at mga tanong sa seguridad","rwset.section.notifications.label":"Mga Abiso","rwset.section.notifications.desc":"Paano at kailan ka namin ina-update tungkol sa iyong loan","rwset.section.appearance.label":"Hitsura","rwset.section.appearance.desc":"Tema at kulay","rwset.section.connections.label":"Mga Koneksyon","rwset.section.connections.desc":"Mga bank account at naka-link na serbisyo","rwset.section.privacy.label":"Privacy at data","rwset.section.privacy.desc":"I-download o tanggalin ang iyong data (CCPA / GDPR)","rwset.appearance.themeTitle":"Tema","rwset.appearance.themeDesc":"Pumili ng light, midnight, o true black.","rwset.appearance.themeMode.light":"light","rwset.appearance.themeMode.midnight":"midnight","rwset.appearance.themeMode.dark":"True black","rwset.appearance.accentTitle":"Accent color","rwset.appearance.accentDesc":"Ginagamit sa mga button, link, at highlight.","rwset.appearance.accentColorAria":"{color} accent color","rwset.appearance.color.default":"Indigo","rwset.appearance.color.ocean":"Ocean","rwset.appearance.color.forest":"Forest","rwset.appearance.color.sunset":"Sunset","rwset.appearance.color.lavender":"Lavender","rwset.privacy.intro":"Sa ilalim ng CCPA ng California at GDPR, may karapatan kang tingnan, i-export, o tanggalin ang iyong data. Gamitin ang mga kontrol sa ibaba.","rwset.privacy.retentionNote":"Tutugon kami sa loob ng 45 araw. Ang ilang data ay kinakailangan para sa federal na pag-iingat ng rekord (HMDA, BSA / OFAC, Reg B / ECOA, FCRA) at dapat na panatilihin kahit na matapos tanggalin ang mga personal na kagustuhan. Ipapaalam namin sa iyo kung aling mga field ang saklaw ng pagpapanatiling iyon kapag pinroseso namin ang iyong kahilingan.","rwset.connections.bankTitle":"Bank account (Plaid)","rwset.connections.bankDesc":"Awtomatikong pinupunan ang iyong mga balanse at statement sa bangko sa iyong 1003. Maaari kang magdiskonekta anumang oras; ang pagdidiskonekta ay nagtatanggal din ng data na na-cache namin mula sa Plaid.","rwset.connections.loading":"Naglo-load…","rwset.connections.startToConnect":"Magsimula ng aplikasyon para magkonekta ng bangko.","rwset.connections.bankConnected":"Nakakonekta ang bangko","rwset.connections.bankConnectedNamed":"Nakakonekta ang bangko — {institution}","rwset.connections.noBank":"Walang nakakonektang bangko. Maaari kang mag-link ng isa mula sa seksyong Assets ng iyong aplikasyon.","rwset.connections.product.assetReport":"Ulat ng asset","rwset.connections.product.assetReportPending":"Kinukuha ang 2 taon ng mga balanse…","rwset.connections.product.incomeVerification":"Pag-verify ng kita","rwset.connections.product.incomeVerificationPending":"Sinusuri ang mga direct deposit…","rwset.connections.product.consumerReport":"Ulat ng consumer","rwset.connections.product.consumerReportPending":"Binubuo ang mga signal ng cashflow…","rwset.connections.product.ready":"Handa na","rwset.connections.product.failed":"Nabigo — makipag-ugnayan sa iyong loan officer","rwset.security.twoFactorTitle":"Two-factor authentication","rwset.security.twoFactorDesc":"Nagdaragdag ng code mula sa authenticator app bukod sa iyong password.","rwset.security.passkeysTitle":"Mga Passkey","rwset.security.passkeysDesc":"Mag-sign in gamit ang iyong fingerprint, mukha, o PIN ng device — phishing-resistant at inirerekomenda.","rwset.security.questionsTitle":"Mga tanong sa seguridad","rwset.security.questionsDesc":"Ginagamit bilang fallback kapag nag-sign in ka mula sa bagong device.","rwset.security.signInsTitle":"Mga kamakailang pag-sign in","rwset.security.signInsDesc":"Mga device na nag-sign in sa iyong account. Kung may hindi mo nakikilala, palitan ang iyong password.","rwset.security.password.title":"Password","rwset.security.password.desc":"Ang pagpapalit ng iyong password ay nagsa-sign out sa ibang mga device.","rwset.security.password.currentPlaceholder":"Kasalukuyang password","rwset.security.password.currentAria":"Kasalukuyang password","rwset.security.password.newPlaceholder":"Bagong password","rwset.security.password.newAria":"Bagong password","rwset.security.password.confirmPlaceholder":"Kumpirmahin ang bagong password","rwset.security.password.confirmAria":"Kumpirmahin ang bagong password","rwset.security.password.errMinLength":"Ang bagong password ay dapat na hindi bababa sa 8 character.","rwset.security.password.errMismatch":"Hindi magkatugma ang mga bagong password.","rwset.security.password.errGeneric":"Hindi mapalitan ang password.","rwset.security.password.updated":"Na-update ang password.","rwset.security.password.saving":"Sine-save…","rwset.security.password.changeBtn":"Palitan ang password","rwset.security.twoFactor.enabledNotice":"Naka-enable ang 2FA.","rwset.security.twoFactor.disableBtn":"I-disable ang 2FA","rwset.security.twoFactor.disableWarning":"Ang pag-disable ng 2FA ay nangangahulugang ang iyong account ay aasa na lamang sa iyong password at mga email code. Sigurado ka ba?","rwset.security.twoFactor.cancel":"Kanselahin","rwset.security.twoFactor.disabling":"Dini-disable…","rwset.security.twoFactor.confirmDisable":"Oo, i-disable ang 2FA","rwset.security.twoFactor.loading":"Naglo-load…","rwset.security.twoFactor.setupBtn":"I-set up ang 2FA","rwset.security.twoFactor.scanInstructions":"I-scan gamit ang Google Authenticator, Authy, o 1Password.","rwset.security.twoFactor.qrAlt":"2FA QR","rwset.security.twoFactor.manualKey":"Manual na key:","rwset.security.twoFactor.codePlaceholder":"6-digit na code","rwset.security.twoFactor.codeAria":"6-digit na code ng authenticator","rwset.security.twoFactor.verifyEnable":"I-verify at i-enable","rwset.notifications.errLoadPrefs":"Hindi ma-load ang mga kagustuhan.","rwset.notifications.errLoadConditions":"Hindi ma-load ang mga kagustuhan sa kondisyon.","rwset.notifications.errSaveFailed":"Nabigo ang pag-save.","rwset.notifications.errSaveReverted":"Nabigo ang pag-save — naibalik ang toggle.","rwset.notifications.errSaveRetry":"Nabigo ang pag-save — pakisubukang muli.","rwset.notifications.loading":"Naglo-load…","rwset.notifications.channelsTitle":"Mga Channel","rwset.notifications.channelsDesc":"Awtomatikong nagse-save.","rwset.notifications.emailLabel":"Email","rwset.notifications.emailDesc":"Mga update sa status, kahilingan para sa dokumento, at mga milestone.","rwset.notifications.smsLabel":"SMS","rwset.notifications.smsDesc":"Mga t

1ime-sensitive na alerto lamang — mga kumpirmasyon ng rate-lock at kahilingan para sa pirma.","rwset.notifications.voiceTitle":"Boses at accessibility","rwset.notifications.voiceDesc":"Kontrolin kung paano nakikipag-ugnayan sa iyo si Breeze gamit ang iyong boses.","rwset.notifications.voiceInputLabel":"Voice input — payagan akong mag-dikta ng mga tanong kay Breeze","rwset.notifications.voiceInputDesc":"Gumagamit ng mikropono ng iyong browser. Kailangan ng suporta ng browser.","rwset.notifications.voiceOutputLabel":"Voice output — basahin nang malakas ang mga sagot ni Breeze","rwset.notifications.voiceOutputDesc":"May lalabas na play button sa tabi ng bawat mensahe ni Breeze.","rwset.notifications.conditionTitle":"Mga Abiso sa Kondisyon","rwset.notifications.conditionDesc":"Piliin kung aling mga alerto ang magta-trigger kapag nagdagdag o nag-update ng mga kondisyon ang iyong loan officer. Ang mga channel na hindi pa na-enable ng iyong loan officer ay ipinapakitang naka-gray out.","rwset.notifications.condition.newEmail.label":"Email para sa bagong kondisyon","rwset.notifications.condition.newEmail.desc":"Kapag may bagong kondisyong idinagdag sa iyong loan","rwset.notifications.condition.weeklyDigest.label":"Lingguhang digest","rwset.notifications.condition.weeklyDigest.desc":"Buod tuwing Linggo ng mga bukas na item","rwset.notifications.condition.staleReminder.label":"Paalala sa kondisyong walang galaw","rwset.notifications.condition.staleReminder.desc":"Isang abiso sa ika-7 araw kapag walang aktibidad ang isang kondisyon","rwset.notifications.condition.inAppToast.label":"In-app toast sa susunod mong pagbisita","rwset.notifications.condition.inAppToast.desc":"Bilang ng mga bagong item na ipinapakita kapag binuksan mo ang portal","rwset.notifications.condition.push.label":"Push notification","rwset.notifications.condition.push.desc":"PWA push (kailangang naka-install ang app)","rwset.notifications.conditionDisabledTooltip":"Hindi pa na-enable ng iyong loan officer ang channel na ito","rwset.notifications.conditionNotEnabled":"Hindi naka-enable ng iyong loan officer","rwset.notifications.noLoanNote":"Wala pang naka-assign na loan — naka-save ang iyong mga kagustuhan at magkakabisa kapag nakakonekta na ang iyong loan officer.","rwset.notifications.saveStatus.saving":"Sine-save…","rwset.notifications.saveStatus.saved":"Na-save {time}","rwset.notifications.saveStatus.failed":"Nabigo ang pag-save","rwset.notifications.saveStatus.upToDate":"Napapanahon","rwdocs.statRequired":"Kailangan","rwdocs.statUploaded":"Na-upload","rwdocs.statVerified":"Na-verify","rwdocs.statTotalDocs":"Kabuuang dokumento","rwdocs.tileShowingEverything":"Ipinapakita ang lahat","rwdocs.tileShowAll":"Ipakita lahat","rwdocs.tileFilteringTapToClear":"Nag-fi-filter \xb7 i-tap para i-clear","rwdocs.tileTapToFilter":"I-tap para mag-filter","rwdocs.smartUploadHeading":"Smart upload","rwdocs.smartUploadSubtitle":"I-drop ang anumang file — aalamin namin kung ano ito at kung saan ito mapupunta.","rwdocs.dropZoneHeading":"Mag-drag at i-drop, o i-tap para mag-browse","rwdocs.dropZoneSubtitle":"Isang file o isang buong tumpok — inaayos at nilalagyan namin ng label ang bawat isa para sa inyo.","rwdocs.browseFiles":"Mag-browse ng file","rwdocs.useCamera":"Gumamit ng camera","rwdocs.supportsExtsMax":"Sumusuporta sa {exts} \xb7 hanggang {size}MB bawat isa","rwdocs.readingDocument":"Binabasa ang inyong dokumento…","rwdocs.ocrClassifierHint":"OCR + classifier \xb7 karaniwang 10–20 segundo","rwdocs.cameraOverlayLabel":"Panatilihin ang inyong dokumento sa loob ng frame","rwdocs.backToDashboard":"Bumalik sa dashboard","rwdocs.documentCenter":"Document center","rwdocs.pageHeading":"Ang mga dokumento ng inyong loan sa isang lugar","rwdocs.pageSubtitle":"Mag-upload ng paystub, tax return, bank statement, at ID. Ina-OCR namin ang lahat at idinidirekta ang bawat file sa tamang slot — hindi na kayo kailangang maglagay ng label.","rwdocs.offlineBanner":"Offline kayo. Ipinapakita ang inyong huling na-save na listahan ng dokumento — naka-pause ang mga upload.","rwdocs.cachedFrom":"Naka-cache mula {date}","rwdocs.statusVerified":"Na-verify","rwdocs.statusUploaded":"Na-upload","rwdocs.statusPending":"Nakabinbin","rwdocs.statusReviewing":"Sinusuri","rwdocs.fileCountOne":"{count} file","rwdocs.fileCountMany":"{count} na file","rwdocs.showingFilterOnly":"Ipinapakita lang ang {filter} \xb7 i-clear ✕","rwdocs.filterRequired":"kailangan","rwdocs.filterUploaded":"na-upload","rwdocs.filterVerified":"na-verify","rwdocs.documentCollection":"Koleksyon ng dokumento","rwdocs.collectedCount":"{done} sa {total} ang nakolekta","rwdocs.sectionRequired":"Kailangan","rwdocs.sectionStillNeeded":"Kailangan pa","rwdocs.stillNeededHint":"Isang bahagi sa bawat pagkakataon — i-tap ang isang seksyon para palawakin.","rwdocs.emptyNothingRequired":"Wala nang kailangan dito","rwdocs.emptyAllCaughtUp":"Kumpleto na kayo","rwdocs.emptyOptionalItemsPrefix":"May natitira pa kayong opsyonal na item —","rwdocs.showEverything":"ipakita lahat","rwdocs.emptyOptionalItemsSuffix":".","rwdocs.emptyEveryDocIn":"Nasa lugar na ang bawat dokumento sa inyong listahan. Magaling.","rwdocs.sectionVerified":"Na-verify","rwdocs.sectionSubmitted":"Naisumite","rwdocs.emptyNothingVerified":"Wala pang na-verify","rwdocs.emptyNoDocsUploaded":"Wala pang na-upload na dokumento","rwdocs.emptyVerifiedDescription":"Lumalabas ang mga dokumento dito kapag tapos na silang i-verify ng inyong loan team.","rwdocs.emptyNoDocsDescription":"Mag-drop ng file sa smart upload zone sa itaas. Awtomatiko naming ikoklasipika ito at ididirekta sa tamang slot.","rwdocs.readyToSubmit":"Handa nang isumite","rwdocs.requiredRemainingOne":"{count} na kailangang item ang natitira","rwdocs.requiredRemainingMany":"{count} na kailangang item ang natitira","rwdocs.submitHeadingReady":"Isumite ang inyong file para sa pagsusuri","rwdocs.submitHeadingAlmost":"Malapit na","rwdocs.submitDescriptionReady":"Kapag naisumite na ninyo, susuriin ng inyong loan officer ang inyong file at isusumite ito sa inyong lender.","rwdocs.submitDescriptionAlmost":"I-upload s

1a itaas ang natitirang mga kailangang item. Awtomatikong mabubuksan ang button kapag tapos na kayo.","rwdocs.submitting":"Isinusumite…","rwdocs.submitApplication":"Isumite ang aplikasyon","rwdocs.askVeraLabel":"Itanong kay Breeze kung anong mga dokumento pa ang kailangan ninyo","rwdocs.askVeraPrompt":"Tulungan ninyo akong maunawaan kung anong mga dokumento pa ang kailangan kong i-upload at para saan ang bawat isa.","rwdocs.modalMismatchTitle":"May natukoy na posibleng hindi pagtugma","rwdocs.cancel":"Kanselahin","rwdocs.proceedAnyway":"Magpatuloy pa rin","rwdocs.modalLabelFile":"File","rwdocs.modalLabelTargeting":"Itinutuon sa","rwdocs.modalLabelDetected":"Natukoy","rwdocs.noFilesUploaded":"Walang na-upload na file","rwdocs.documentFallback":"Dokumento","rwdocs.toastScanning":" Sina-scan ang {count} na dokumento...","rwdocs.toastProcessedOne":"Matagumpay na naproseso ang {count} na dokumento.","rwdocs.toastProcessedMany":"Matagumpay na naproseso ang {count} na dokumento.","rwdocs.toastCouldNotIdentify":"Hindi matukoy ang mga na-upload na file. Mangyaring mag-upload nang manu-mano sa isang tiyak na kategorya.","rwdocs.toastAnalyzing":"Sinusuri ang dokumento...","rwdocs.toastUploadSuccess":"Matagumpay na na-upload ang dokumento.","rwdocs.toastUploadError":"Error sa pagproseso ng dokumento.","rwdocs.toastUploadCancelled":"Nakansela ang upload","rwdocs.toastSubmitFailed":"Hindi naisumite ang aplikasyon. Pakisubukang muli.","rwdocs.issueTypeMismatch":"Mukhang isa itong {detected} ({confidence}% na kumpiyansa), ngunit ina-upload ninyo ito sa {target}.","rwdocs.issueLastNameNotFound":'Hindi natagpuan sa dokumento ang apelyido ng nanghihiram na "{lastName}".',"rwdocs.issueDobMismatch":"Hindi tugmang DOB: Ang aplikasyon ay nagsasabing {appDob}, ang ID na ito ay nagsasabing {idDob}.","rwdocs.issueIncomeMismatch":"Hindi tugmang kita: Ipinapakita ng paystub na ~${detected}/buwan, ngunit ang aplikasyon ay nagsasabing ${reported}

1/buwan.","fxhero.clickAnyStepBelow":"I-click ang anumang hakbang sa ibaba","fxhero.onTrack":"Lahat ay nasa tamang daan.","fxcompliance.loading":"Sinusuri ang status ng iyong aplikasyon…","fxcompliance.heading":"Status ng iyong aplikasyon","fxcompliance.footerNote":"May mga tanong? Ang iyong broker ang pinakamahusay na makontak para sa mga partikular na detalye ng compliance.","fxcompliance.label.hoepa":"Presyo sa loob ng mga limitasyong pederal","fxcompliance.label.state_high_cost":"Presyo sa loob ng mga limitasyon ng estado","fxcompliance.label.atr":"Lahat ng papeles ay na-verify","fxcompliance.label.ofac":"Kumpleto na ang pag-screen ng pagkakakilanlan","fxcompliance.detail.hoepa.PASS":"Ang presyo ng iyong loan ay nasa loob ng mga limitasyong pederal sa mataas na gastos.","fxcompliance.detail.hoepa.ATTENTION":"Sinusuri ng iyong broker ang istruktura ng presyo.","fxcompliance.detail.hoepa.FAIL":"Aayusin ng iyong broker ang presyo upang umayon sa mga limitasyong pederal.","fxcompliance.detail.hoepa.UNKNOWN":"Susuriin ito kapag na-lock na ang presyo.","fxcompliance.detail.state_high_cost.PASS":"Ang presyo ng iyong loan ay nasa loob ng mga limitasyon ng estado.","fxcompliance.detail.state_high_cost.ATTENTION":"Maaaring mangailangan ang iyong loan ng karagdagang mga pagsisiwalat na partikular sa estado — aasikasuhin ito ng iyong broker.","fxcompliance.detail.state_high_cost.FAIL":"May isyu sa limitasyon ng estado — aayusin ito ng iyong broker.","fxcompliance.detail.state_high_cost.UNKNOWN":"Susuriin ito kapag na-lock na ang presyo.","fxcompliance.detail.atr.PASS":"Lahat ng kinakailangang dokumentasyon ng kita, trabaho, at ari-arian ay nasa file.","fxcompliance.detail.atr.ATTENTION":"May ilang dokumentasyon na kulang pa — tingnan ang iyong dashboard.","fxcompliance.detail.atr.FAIL":"May ilang dokumentasyon na kulang pa — tingnan ang iyong dashboard.","fxcompliance.detail.atr.UNKNOWN":"Susuriin ito habang nag-a-upload ka ng mga dokumento.","fxcompliance.detail.ofac.PASS":"Kumpleto na ang pag-screen ng pagkakakilanlan.","fxcompliance.detail.ofac.ATTENTION":"Sinusuri ng iyong broker ang resulta ng pag-screen.","fxcompliance.detail.ofac.FAIL":"Sinusuri ng iyong broker ang resulta ng pag-screen.","fxcompliance.detail.ofac.UNKNOWN":"Isasagawa ang pag-screen ng pagkakakilanlan bago ang underwriting.","fxvera.online":"ONLINE","fxvera.text":"Mag-text","fxvera.labelTextNumber":"Numero para sa text","fxvera.copyPhone":"Kopyahin ang telepono","fxvera.copyPhoneNumber":"Kopyahin ang numero ng telepono","fxvera.copyTextNumber":"Kopyahin ang numero para sa text","fxvera.copyEmail":"Kopyahin ang email","fxvera.copyEmailAddress":"Kopyahin ang email address","fxvera.newChat":"Bagong chat","fxvera.recentChats":"Mga kamakailang chat","fxvera.noPastConversations":"Wala pang nakaraang mga pag-uusap.","fxvera.untitledChat":"Chat na walang pamagat","fxvera.archiveConversation":"I-archive ang pag-uusap","fxvera.archive":"I-archive","fxvera.showLess":"Magpakita ng mas kaunti","fxvera.viewMore":"Tumingin pa ({n})","fxvera.relJustNow":"ngayon lang","fxvera.relMinutesAgo":"{n} min ang nakalipas","fxvera.relHoursAgo":"{n} oras ang nakalipas","fxvera.relDaysAgo":"{n} araw ang nakalipas","fxvera.tryAsking":"Subukang magtanong","fxvera.suggestedNextSteps":"Mga iminumungkahing susunod na hakbang","fxvera.veraGenerating":"Bumubuo si Breeze…","fxvera.listening":"Nakikinig…","fxvera.askVeraAnything":"Magtanong kay Breeze ng kahit ano…","fxvera.connectionError":"May error sa koneksyon — pakisubukang muli sa ilang sandali.","fxvera.borrowerFooterDefault":"Ipinapaliwanag ni Breeze kung paano gumagana ang mga bagay — sinusuri pa rin ng inyong broker ang lahat.","fxvera.copied":"Nakopya","fxvera.copiedBang":"Nakopya na!","fxvera.copyMessage":"Kopyahin ang mensahe","fxvera.copy":"Kopyahin","fxvera.regenerateResponse":"Buuin muli ang tugon","fxvera.regenerate":"Buuin muli","fxvera.stopGenerating":"Itigil ang pagbuo","fxvera.stopGeneratingTitle":"Itigil ang pagbuo (mananatili ang kasalukuyang tugon)","fxvera.stop":"Itigil","fxvera.send":"Ipadala","fxdocs.effortOnHand":"Karaniwang nasa kamay na","fxdocs.effortDownload":"I-download online","fxdocs.effortPhoto":"Kumuha ng larawan","fxdocs.effortRequest":"Maaaring kailanganing hilingin","fxdocs.chunkIdentityHeadline":"Patunayan kung sino kayo","fxdocs.chunkIdentityBlurb":"Mabilis na mga item sa pagkakakilanlan at legal — kadalasang pinakamabilis tapusin.","fxdocs.categoryIdentity":"Pagkakakilanlan at Legal","fxdocs.chunkIncomeHeadline":"Ipakita kung paano kayo kumikita","fxdocs.chunkIncomeBlurb":"Kung paano pumapasok ang pera — mga paycheck, tax form, at trabaho.","fxdocs.categoryIncome":"Kita at Trabaho","fxdocs.chunkAssetsHeadline":"Ipakita ang inyong ipon","fxdocs.chunkAssetsBlurb":"Kung saan nakalagay ang inyong down payment at reserba.","fxdocs.categoryAssets":"Mga Ari-arian","fxdocs.chunkPropertyHeadline":"Tungkol sa ari-arian","fxdocs.chunkPropertyBlurb":"Mga dokumentong nakaugnay sa bahay at sa partikular na loan na ito.","fxdocs.categoryProperty":"Ari-arian at Loan","fxdocs.chunkDisclosuresHeadline":"Mga Disclosure at Pahintulot","fxdocs.chunkDisclosuresBlurb":"Mga form na susuriin at kikilalanin.","fxdocs.categoryDisclosures":"Mga Disclosure","fxdocs.chunkOtherHeadline":"Ilang karagdagang item","fxdocs.chunkOtherBlurb":"Iilang item na natatangi sa inyong file.","fxdocs.categoryOther":"Iba pa","fxdocs.chunkProgress":"{done} sa {total} tapos na","fxdocs.chunkAllSet":"Tapos na lahat sa bahaging ito — magaling. ✓","fxdocs.required":"Kinakailangan","fxdocs.optional":"Opsyonal","fxdocs.whereDoIGetThis":"Sa

1an ko ito makukuha?","fxdocs.whatIsThis":"Ano ito?","fxdocs.whatIsThisPrompt":'Kailangan kong mag-upload ng "{name}" ngunit hindi ako sigurado kung ano nga ba ito o paano makakakuha ng isa. Gabayan ninyo ako kung ano ang dokumentong ito, bakit kailangan ito para sa aking loan, at saan ko ito mahahanap o mahihiling.',"fxdocs.askTheCoach":"Itanong sa coach","fxdocs.upload":"I-upload","fxdocs.actionLeLabel":"Loan Estimate v{version}","fxdocs.actionLeDesc":"Suriin ang rate, buwanang bayad, at mga gastos sa pagsasara, pagkatapos ay ipahayag ang inyong intensyong magpatuloy.","fxdocs.actionCdLabel":"Closing Disclosure v{version}","fxdocs.actionCdDesc":"Pinal na mga termino at cash-to-close. Binibigyan kayo ng pederal na batas ng 3 araw ng negosyo upang suriin bago pumirma.","fxdocs.actionNocLabel":"Notice of Right to Cancel v{version}","fxdocs.actionNocDesc":"Para sa refinance lamang. Ipinapaalam sa inyo kung paano kanselahin sa loob ng 3 araw ng negosyo pagkatapos ng pagsasara.","fxdocs.actionEsignLabel":"Hiniling ang e-signature","fxdocs.actionEsignDesc":"Ipinadala ang dokumento noong {date}. Buksan ang signing link sa disclosures portal o gamitin ang email link mula sa provider.","fxstages.stage.application":"Aplikasyon","fxstages.stage.pricing":"Pagpepresyo","fxstages.stage.processing":"Pagproseso","fxstages.stage.underwriting":"Underwriting","fxstages.stage.conditions":"Mga Kondisyon","fxstages.stage.closing":"Pagsasara","fxstages.nav.previousStage":"Nakaraang yugto","fxstages.nav.nextStage":"Susunod na yugto","fxstages.nav.loanStages":"Mga yugto ng loan","fxstages.nav.ofTotal":"ng {total}","fxstages.nav.stageLabel":"Yugto {n}: {name}","fxstages.nav.swipeOffTap":"Naka-off ang swipe \xb7 i-tap para i-enable","fxstages.nav.swipeOnTap":"Naka-on ang swipe \xb7 i-tap para i-disable","fxstages.nav.completeApp":"Kumpletuhin ang iyong aplikasyon","fxstages.nav.completeAppUnlock":"Kumpletuhin ang iyong aplikasyon upang ma-unlock ang ibang mga yugto","fxstages.nav.unlockSwipeAria":"I-unlock ang swipe navigation","fxstages.nav.lockSwipeAria":"I-lock ang swipe navigation","fxstages.nav.lockedTitle":"Naka-lock — i-tap para i-unlock ang swipe","fxstages.nav.swipeActiveTitle":"Aktibo ang swipe — i-tap para i-lock","fxstages.nav.locked":"Naka-lock","fxstages.nav.swipeActive":"Aktibo ang Swipe","fxstages.nav.showTutorial":"Ipakita ang Navigation Tutorial","fxstages.nav.swipeLeft":"Mag-swipe Pakaliwa","fxstages.nav.nextStep":"Susunod na Hakbang","fxstages.nav.skipAhead":"Lumaktaw","fxstages.nav.swipeTo":"Mag-swipe sa {stage}","fxstages.tutorial.title":"Mag-swipe para Mag-navigate","fxstages.tutorial.intro":"Maaari kang mag-swipe pakaliwa o pakanan upang lumipat sa pagitan ng mga yugto.","fxstages.tutorial.bodyDesktop":"Gamitin ang Lock/Unlock toggle sa kanang itaas upang i-enable o i-disable ang pag-swipe anumang oras.","fxstages.tutorial.bodyMobile":"Gamitin ang Lock/Unlock swipe toggle upang i-enable o i-disable ang pag-swipe anumang oras — o i-tap na lang ang Back at Next na mga button.","fxstages.tutorial.gotIt":"Nakuha ko!","fxstages.preview.bannerTitle":"Preview ng portal ng nanghihiram \xb7 {name}","fxstages.preview.veraPrompt":"Gabayan mo ako sa mga susunod na hakbang sa aking loan at kung ano ang dapat kong pagtuunan ng pansin.","fxstages.app.step":"Hakbang 1: Aplikasyon","fxstages.app.titleLine1Complete":"Aplikasyon","fxstages.app.titleLine1Fresh":"Simulan ang Iyong","fxstages.app.titleLine1Partial":"Tapusin Natin","fxstages.app.titleLine2Complete":"Naisumite","fxstages.app.titleLine2Fresh":"Aplikasyon","fxstages.app.titleLine2Partial":"Ang Iyong App","fxstages.app.subtitleComplete":"Natanggap namin ang iyong aplikasyon at inihahanda namin ito para sa pagproseso.","fxstages.app.subtitleFresh":"Gagabayan ka namin sa standard na 1003 mortgage form. Mga 15 minuto.","fxstages.app.subtitlePartial":"Bahagya ka nang tapos. Ilang detalye na lang upang ma-unlock ang iyong mga opsyon sa loan.","fxstages.app.formStatus":"Status ng Form","fxstages.app.documentSystem":"Sistema ng Dokumento","fxstages.app.docSystemReady":"Handa at Aktibo","fxstages.app.docSystemInit":"Nagsisimula...","fxstages.app.complete1003":"Kumpletuhin ang 1003","fxstages.app.review1003":"Suriin ang 1003","fxstages.app.viewLiveRates":"Tingnan ang Live na Rates","fxstages.app.actionRequired":"Kailangang Aksyunan","fxstages.app.actionRequiredMissing":"Kailangang Aksyunan: Kulang na Impormasyon","fxstages.app.missingCountOne":"{n} kulang na item bago iproseso.","fxstages.app.missingCountMany":"{n} kulang na item bago iproseso.","fxstages.app.countLeft":"{n} natitira","fxstages.app.fill":"Punan","fxstages.app.fillOutHere":"Punan Dito","fxstages.app.liveRateOptions":"Mga Live na Rate na Opsyon","fxstages.app.liveRateOptionsSub":"Batay sa iyong credit profile at halaga ng loan","fxstages.app.product":"Produkto","fxstages.app.maxLtv":"Max LTV","fxstages.app.lockThisRate":"I-lock ang Rate na Ito","fxstages.app.rateSelectedTitle":"Napiling rate","fxstages.app.rateSelectedMsg":"Napili ang {rate}% na rate. Kukumpirmahin at i-lock ito ng iyong broker.","fxstages.app.saveErrorTitle":"Error sa Pag-save","fxstages.app.saveErrorMsg":"Nabigong i-save ang pagpili ng rate.","fxstages.pricing.step":"Hakbang 2: Pagpepresyo","fxstages.pricing.talkTitle":"Pag-us

1apan natin ang iyong rate","fxstages.pricing.talkBody":"Ang iyong rate ay nakadepende sa iyong buong larawang pinansyal at nagbabago kasabay ng merkado araw-araw. Ipepresyo ng iyong loan officer ang iyong loan kasama ang lender at gagabayan ka sa iyong tunay na mga opsyon — at makukuha mo ang iyong rate nang nakasulat sa iyong Loan Estimate.","fxstages.pricing.talkToLo":"Makipag-usap sa iyong loan officer","fxstages.pricing.liveRatesTitle":"Ang Iyong Live na Rates","fxstages.pricing.liveRatesSub":"Real-time na pagpepresyo mula sa bawat wholesale lender na kasama namin — naka-filter na sa kung ano ang talagang kwalipikado ka.","fxstages.pricing.openFullPage":"Buksan ang buong pricing page","fxstages.pricing.noAccess":"Wala kang access sa loan na ito.","fxstages.pricing.failedToLoad":"Nabigong i-load ang pagpepresyo.","fxstages.pricing.loadingRates":"Kinukuha ang live na rates mula sa iyong mga lender…","fxstages.pricing.noAccessTitle":"Wala kang access sa loan na ito","fxstages.pricing.didntLoadTitle":"Hindi na-load ang pagpepresyo","fxstages.pricing.missingCreditScore":"Credit score (patatakbuhin ito ng iyong broker)","fxstages.pricing.missingLoanAmount":"Halaga ng loan (Hakbang 6 ng iyong aplikasyon)","fxstages.pricing.missingPropertyValue":"Halaga ng property (Hakbang 6 ng iyong aplikasyon)","fxstages.pricing.missingOccupancy":"Kung paano gagamitin ang property (Hakbang 6)","fxstages.pricing.missingLoanPurpose":"Pagbili o refinance (Hakbang 6)","fxstages.pricing.missingPropertyType":"Uri ng property (Hakbang 6)","fxstages.pricing.missingTitle":"Ilang detalye muna","fxstages.pricing.missingSub":"Kapag napunan na ang mga ito, ipapakita namin ang iyong tunay na qualifying rates.","fxstages.pricing.noProductsTitle":"Walang eligible na produkto sa ngayon","fxstages.pricing.noProductsBody":"Walang lender sa file na may produktong tugma sa iyong sitwasyon. Makipag-ugnayan sa iyong broker — maaari nilang suriin ang karagdagang mga programa ng lender.","fxstages.pricing.rateCountOne":"{n} rate sa lender network ng iyong broker","fxstages.pricing.rateCountMany":"{n} rates sa lender network ng iyong broker","fxstages.pricing.perMonth":"{amount}/buwan","fxstages.pricing.yourBestRate":"Ang Iyong Pinakamahusay na Rate","fxstages.pricing.onProduct":"sa isang {product}","fxstages.pricing.lockNetwork":"{days}-araw na lock \xb7 kinuha sa lender network ng iyong broker","fxstages.pricing.monthlyPi":"Buwanang P&I","fxstages.pricing.discountPoints":"Discount points","fxstages.pricing.none":"Wala","fxstages.pricing.finalPrice":"Panghuling presyo","fxstages.processing.required":"Kailangan","fxstages.processing.optional":"Opsyonal","fxstages.processing.aiPowered":"AI-Powered na Pagproseso","fxstages.processing.edit1003App":"I-edit ang 1003 App","fxstages.processing.smartDocCenter":"Smart Document Center","fxstages.processing.dragDropSub":"I-drag at i-drop ang iyong mga file kahit sa

1an. Awtomatikong kinakategorya at inaayos ng aming AI ang mga ito sa tamang column sa ibaba.","fxstages.processing.infoReceived":"Natanggap ang Impormasyon","fxstages.processing.infoReceivedMsg":"Salamat sa pagbibigay ng mga detalye ng insurance. Makikipag-ugnayan ang aming team upang hilingin ang eksaktong mga dokumentong kailangan namin.","fxstages.processing.actionRequired":"Kailangang Aksyunan","fxstages.processing.homeownersInsurance":"Homeowner's Insurance","fxstages.processing.asap":"Sa lalong madaling panahon","fxstages.processing.insuranceIntro":"Ibahagi ang contact info ng iyong insurance agent — hihilingin namin ang declarations page para hindi maantala ang pagsasara.","fxstages.processing.insCompanyLabel":"Kompanya ng insurance","fxstages.processing.insCompanyAria":"Kompanya ng homeowners insurance","fxstages.processing.insCompanyPlaceholder":"State Farm, Allstate, Lemonade…","fxstages.processing.agentNameLabel":"Buong pangalan ng agent","fxstages.processing.agentNamePlaceholder":"Jane Smith","fxstages.processing.agentEmailLabel":"Email ng agent","fxstages.processing.agentEmailPlaceholder":"[email protected]","fxstages.processing.agentPhoneLabel":"Telepono ng agent","fxstages.processing.policyNumberLabel":"Numero ng polisa","fxstages.processing.quoteNumberLabel":"Numero ng quote","fxstages.processing.policyNumberPlaceholder":"Polisa #","fxstages.processing.quoteNumberPlaceholder":"Quote # kung mayroon","fxstages.processing.submitInsurance":"Isumite ang impormasyon ng insurance","fxstages.processing.expertEyebrow":"Naipit? Magtanong sa isang tao.","fxstages.processing.expertBody":"Halos anumang tanong tungkol sa dokumento ay maaayos ng iyong loan officer o lisensyadong broker sa isang mensahe lamang.","fxstages.processing.expertStat":"Ang bilis ng pagtugon ang pinakamalaking tagapaghula ng on-time na pagsasara. Tumugon sa loob ng 4 na oras at magsasara ang iyong loan nang ~9 araw nang mas mabilis sa karaniwan.","fxstages.uw.step":"Hakbang 3: Underwriting","fxstages.uw.titleAiLine1":"AI na Pagtatasa","fxstages.uw.titleAiLine2":"ng Risk","fxstages.uw.titleLenderLine1":"Underwriting ng","fxstages.uw.titleLenderLine2":"Lender","fxstages.uw.lenderReviewsLead":"Sinusuri ng underwriting team ng iyong lender ang iyong file kapag naisumite na ito.","fxstages.uw.lenderReviewsBody":"Anumang kondisyon o resulta ay lalabas dito at sa iyong listahan ng Mga Kondisyon habang dumarating ang mga ito — wala kang kailangang gawin sa ngayon.","fxstages.uw.analyzing":"Sinusuri ang datos...","fxstages.uw.cleanFile":"Malinis na File","fxstages.uw.cleanFileBody":"Walang malaking risk factor na natukoy ng AI.","fxstages.uw.categoryReview":"Pagsusuri ng {category}","fxstages.uw.autoUwEstimate":"Automated Underwriting (Tantiya)","fxstages.uw.autoUwEstimateDesc":"Magpatakbo ng simulated na DU/LPA-style na tantiya ng eligibility. Ito ay Phase-1 na heuristic — hindi isang live na pagsusumite sa Fannie Mae o Freddie Mac.","fxstages.uw.runAusEstimate":"Patakbuhin ang AUS estimate (simulated)","fxstages.uw.ausFindings":"Mga Resulta ng AUS","fxstages.uw.ausDisclaimer":"Simulated na tantiya — hindi tunay na desisyon ng Fannie Mae DU o Freddie Mac LPA. Ang panghuling eligibility ay tinutukoy ng AUS ng lender sa panahon ng underwriting.","fxstages.closing.clearToClose":"Clear to Close","fxstages.closing.congratulations":"Binabati kita! Ganap nang naaprubahan ang iyong loan.","fxstages.closing.finalSteps":"Mga Panghuling Hakbang","fxstages.closing.finalVerification":"Kumpleto na ang Panghuling Pagberipika","fxstages.closing.cdSent":"Naipadala na ang Closing Disclosure","fxstages.closing.pendingSigning":"Nakabinbin: Appointment para sa Pagpirma","fxstages.closing.downloadApproval":"I-download ang Approval","fxstages.closing.scheduleSigning":"Mag-iskedyul ng Pagpirma","fxstages.conditions.uploadRejected":"Tinanggihan ang pag-upload","fxstages.conditions.unknownError":"hindi kilalang error","gxvera.welcomeCampaigns":"Bumuo tayo ng isang campaign.","gxvera.tabVera":"Breeze","gxvera.tabYourBroker":"Iyong broker","gxvera.tabAssistant":"Assistant","gxvera.tabCampaigns":"Mga Campaign","gxdocreq.nameId":"Photo ID","gxdocreq.descId":"Wastong Driver's License, State ID, o Passport","gxdocreq.nameSsCard":"Social Security Card","gxdocreq.descSsCard":"Kopya ng Social Security Card","gxdocreq.nameGreenCard":"Green Card","gxdocreq.descGreenCard":"Permanent Resident Card (Harap at Likod)","gxdocreq.nameVisa":"Visa / EAD","gxdocreq.descVisa":"Wastong Visa o Employment Authorization Document (EAD)","gxdocreq.nameI94":"I-94 Record","gxdocreq.descI94":"Pinakabagong I-94 arrival/departure record","gxdocreq.nameItin":"ITIN Letter","gxdocreq.descItin":"IRS ITIN Assignment Letter","gxdocreq.namePayStub":"Mga Pay Stub","gxdocreq.descPayStub":"Mga pay stub sa pinakahuling 30 araw","gxdocreq.nameW2":"Mga W-2 Form","gxdocreq.descW2":"Mga W-2 statement sa nakaraang 2 taon","gxdocreq.nameVoe":"Verification of Employment","gxdocreq.descVoe":"Mag-uutos ng nakasulat o pasalitang VOE","gxdocreq.nameOfferLetter":"Offer Letter / Kontrata","gxdocreq.descOfferLetter":"Nilagdaang offer letter o kontrata sa trabaho para sa bagong trabaho","gxdocreq.namePersonalTaxReturn":"Mga Personal Tax Return (1040)","gxdocreq.descPersonalTaxReturn":"Mga personal tax return sa nakaraang 2 taon kasama ang lahat ng schedule","gxdocreq.nameBusinessLicense":"Business License","gxdocreq.descBusinessLicense":"Kasalukuyang business license o registration","gxdocreq.nameProfitAndLoss":"YTD Profit & Loss","gxdocreq.descProfitAndLoss":"Year-to-date na P&L statement na nilagdaan ng borrower","gxdocreq.nameBalanceSheet":"Balance Sheet","gxdocreq.descBalanceSheet":"Kasalukuyang balance sheet","gxdocreq.nameBusinessTaxReturn":"Mga Business Tax Return","gxdocreq.descBusinessTaxReturn":"Mga business return sa nakaraang 2 taon (1120S, 1065) at mga K-1","gxdocreq.nameK1":"Mga Schedule K-1","gxdocreq.descK1":"Mga K-1 para sa lahat ng business entity","gxdocreq.nameCorporateLlc":"Mga Corporate/LLC na Dokumento","gxdocreq.descCorporateLlc":"Articles of Incorporation/Organization, Operating Agreement","gxdocreq.namePensionStatement":"Pension Award Letter","gxdocreq.descPensionStatement":"Kasalukuyang pension award letter o statement","gxdocreq.nameForm1099R":"Mga 1099-R Form","gxdocreq.descForm1099R":"Mga 1099-R form sa n

1akaraang 2 taon","gxdocreq.nameSsaAward":"SSA Award Letter","gxdocreq.descSsaAward":"Kasalukuyang Social Security Award Letter","gxdocreq.nameDivorceDecreeOrder":"Divorce Decree / Court Order","gxdocreq.descDivorceDecreeOrder":"Kumpletong divorce decree o court order na nagtatakda ng mga bayad","gxdocreq.nameProofOfReceipt":"Patunay ng Pagtanggap","gxdocreq.descProofOfReceipt":"Patunay ng pagtanggap sa nakaraang 6 na buwan (bank statement o canceled checks)","gxdocreq.nameLes":"LES (Leave and Earnings Statement)","gxdocreq.descLes":"Pinakabagong Leave and Earnings Statement (LES)","gxdocreq.nameScheduleE":"Schedule E (Tax Returns)","gxdocreq.descScheduleE":"Tiyaking kasama ang Schedule E sa mga tax return","gxdocreq.nameLeaseAgreement":"Mga Kasalukuyang Lease Agreement","gxdocreq.descLeaseAgreement":"Mga kasalukuyang lease agreement para sa lahat ng rental property","gxdocreq.nameBankStatement":"Mga Bank Statement","gxdocreq.descBankStatement":"Kumpletong statement sa nakaraang 2 buwan para sa lahat ng account (lahat ng pahina)","gxdocreq.nameVod":"Verification of Deposit","gxdocreq.descVod":"Maaaring humiling ang lender ng VOD","gxdocreq.nameAssetStatement":"Mga Investment/Retirement Statement","gxdocreq.descAssetStatement":"Pinakabagong quarterly statement","gxdocreq.nameRetirementWithdrawal":"Mga Tuntunin ng Retirement Withdrawal","gxdocreq.descRetirementWithdrawal":"Mga tuntunin ng withdrawal o loan mula sa retirement account","gxdocreq.nameGiftLetter":"Gift Letter","gxdocreq.descGiftLetter":"Nilagdaang gift letter at patunay ng transfer","gxdocreq.nameClosingDisclosureSale":"Closing Disclosure (Pagbebenta)","gxdocreq.descClosingDisclosureSale":"Closing Disclosure o Bill of Sale mula sa naibentang asset","gxdocreq.nameCryptoStatement":"Mga Statement ng Crypto Account","gxdocreq.descCryptoStatement":"Mga statement na nagpapakita ng ownership at liquidation kung kinakailangan","gxdocreq.nameTrustAgreement":"Trust Agreement","gxdocreq.descTrustAgreement":"Buong Trust Agreement at Certification of Trust","gxdocreq.nameStockOption":"Stock Option Agreement","gxdocreq.descStockOption":"Vesting schedule at option agreement","gxdocreq.nameMortgageStatement":"Mga Mortgage Statement","gxdocreq.descMortgageStatement":"Kasalukuyang statement para sa lahat ng retained property","gxdocreq.nameInsuranceDeclaration":"Mga Insurance Declaration","gxdocreq.descInsuranceDeclaration":"Homeowners insurance policy para sa lahat ng retained property","gxdocreq.namePropertyTaxBill":"Mga Property Tax Bill","gxdocreq.descPropertyTaxBill":"Pinakabagong property tax bill para sa lahat ng retained property","gxdocreq.nameSalesContract":"Sales Contract (Nakabinbing Pagbebenta)","gxdocreq.descSalesContract":"Kontrata para sa property na kasalukuyang nakabinbing ibenta","gxdocreq.nameRentRoll":"Rent Roll","gxdocreq.descRentRoll":"Rent roll para sa multi-unit na investment property","gxdocreq.namePurchaseContract":"Purchase Contract","gxdocreq.descPurchaseContract":"Ganap na naisagawang purchase agreement kasama ang lahat ng addenda","gxdocreq.nameEarnestMoney":"Earnest Money Receipt","gxdocreq.descEarnestMoney":"Patunay na na-clear sa account ang earnest money deposit","gxdocreq.nameInsuranceBinder":"Homeowners Insurance Binder","gxdocreq.descInsuranceBinder":"Insurance binder para sa bagong property","gxdocreq.namePayoffStatement":"Payoff Statement","gxdocreq.descPayoffStatement":"Kasalukuyang payoff statement para sa loan na ire-refinance","gxdocreq.nameMortgageNote":"Kasalukuyang Mortgage Note","gxdocreq.descMortgageNote":"Kopya ng kasalukuyang mortgage note","gxdocreq.nameHomeInsuranceDeclaration":"Home Insurance Declaration","gxdocreq.descHomeInsuranceDeclaration":"Kasalukuyang insurance policy para sa subject property","gxdocreq.nameLoanEstimate":"Loan Estimate","gxdocreq.descLoanEstimate":"Loan Estimate para sa bagong loan","gxdocreq.nameBuilderContract":"Builder Contract / Mga Plano","gxdocreq.descBuilderContract":"Construction contract at mga plano","gxdocreq.nameCondoQuestionnaire":"Condo Questionnaire","gxdocreq.descCondoQuestionnaire":"Kumpletong condo questionnaire","gxdocreq.nameHo6Insurance":"HO-6 Insurance Policy","gxdocreq.descHo6Insurance":"Walls-in na coverage policy","gxdocreq.nameBankruptcyDischarge":"Mga Bankruptcy Discharge Paper","gxdocreq.descBankruptcyDischarge":"Kumpletong bankruptcy discharge papers at schedule","gxdocreq.nameLoeBankruptcy":"LOE - Bankruptcy","gxdocreq.descLoeBankruptcy":"Liham na nagpapaliwanag ng mga pangyayari sa bankruptcy","gxdocreq.nameJudgmentExplanation":"Patunay ng Settlement / Paliwanag","gxdocreq.descJudgmentExplanation":"Patunay ng pagtupad o paliwanag para sa lawsuit/judgment","gxdocreq.nameLoeFederalDebt":"LOE - Federal Debt","gxdocreq.descLoeFederalDebt":"Paliwanag tungkol sa delinquent na federal debt","gxdocreq.nameSeparationAgreement":"Separation Agreement","gxdocreq.descSeparationAgreement":"Legal na separation agreement","gxdocreq.nameChildSupportOrder":"Child Support / Alimony Order","gxdocreq.descChildSupportOrder":"Court order na naglala

1had ng obligasyon","gxdocreq.nameDivorceDecree":"Divorce Decree","gxdocreq.descDivorceDecree":"Divorce decree na tumutukoy sa obligasyon","gxdocreq.nameDd214":"DD-214","gxdocreq.descDd214":"Certificate of Release o Discharge from Active Duty","gxdocreq.nameVaCoe":"VA Certificate of Eligibility","gxdocreq.descVaCoe":"Certificate of Eligibility para sa VA Loan","gxdocreq.nameStatementOfService":"Statement of Service","gxdocreq.descStatementOfService":"Statement of Service mula sa Commanding Officer","gxdocreq.nameFhaAmendatory":"FHA Amendatory Clause","gxdocreq.descFhaAmendatory":"Nilagdaang FHA Amendatory Clause","gxdocreq.nameRealEstateCert":"Real Estate Certification","gxdocreq.descRealEstateCert":"Nilagdaang Real Estate Certification","gxdocreq.nameVaAnalysis":"VA Loan Analysis","gxdocreq.descVaAnalysis":"VA Loan Analysis Worksheet","gxdocreq.nameResidualIncome":"Residual Income Worksheet","gxdocreq.descResidualIncome":"VA Residual Income Worksheet","gxdocreq.nameUsdaIncome":"USDA Income Worksheet","gxdocreq.descUsdaIncome":"USDA Eligibility Income Worksheet","gxdocreq.categoryIdentity":"Pagkakakilanlan at Legal","gxdocreq.categoryIncome":"Kita at Trabaho","gxdocreq.categoryAssets":"Mga Ari-arian","gxdocreq.categoryProperty":"Ari-arian at Loan","gxdocreq.categoryDisclosures":"Mga Disclosure","gxdocreq.categoryOther":"Iba pa","gxdocreq.countOfTotal":"{completed} sa {total}","gxdocreq.statusVerified":"Na-verify","gxdocreq.statusInReview":"Sinusuri","gxdocreq.statusRequired":"Kinakailangan","gxdocreq.removeFile":"Alisin ang file","gxdocreq.scanning":"Nag-iiscan…","gxdocreq.saved":"Naka-save","gxdocreq.awaitingVerification":"Naghihintay ng verification","gxdocreq.dragDropOrClick":"I-drag, i-drop, o i-click","gxdocreq.replace":"Palitan","gxdocreq.upload":"I-upload","gxvalidate.title.ethnicity":"Kinakailangan ang Etnisidad","gxvalidate.msg.ethnicity":'Dapat kang pumili ng isang Etnisidad o "Ayaw kong magbigay".',"gxvalidate.title.sex":"Kinakailangan ang Kasarian","gxvalidate.msg.sex":'Dapat kang pumili ng isang Kasarian o "Ayaw kong magbigay".',"gxvalidate.title.race":"Kinakailangan ang Lahi","gxvalidate.msg.race":'Dapat kang pumili ng kahit isang Lahi o "Ayaw kong magbigay".',"gxvalidate.title.declarations":"Hindi Kumpleto ang mga Deklarasyon","gxvalidate.msg.declarations":"Dapat mong sagutin ang lahat ng tanong sa deklarasyon. Hindi nasagot: {count}.","gxvalidate.title.consent":"Kinakailangan ang Pahintulot","gxvalidate.msg.consent":"Dapat mong tanggapin ang: {items}.","gxvalidate.consentItem.terms":"Mga Tuntunin ng Serbisyo","gxvalidate.consentItem.esign":"Pahintulot sa E-Sign","gxvalidate.consentItem.creditAuth":"Awtorisasyon ng Kredito","gxfiledrop.readingDocument":"Binabasa ang iyong dokumento","gxfiledrop.classifyingSubtitle":"Inuuri ang uri, kinukuha ang data, at inaayos ito sa tamang column.","gxfiledrop.step.Scan":"I-scan","gxfiledrop.step.Classify":"Uriin","gxfiledrop.step.Extract":"Kunin","gxfiledrop.step.Route":"Iruta","gxfiledrop.gotIt":"Naunawaan","gxfiledrop.gotNFiles":"Nakuha ang {count} na file","gxfiledrop.autoSortedCount":"{sorted} sa {total} ang awtomatikong inayos sa tamang column.","gxfiledrop.statusSorted":"Nakaayos","gxfiledrop.statusIdentified":"Natukoy","gxfiledrop.statusNeedsReview":"Kailangang suriin","gxfiledrop.savedToPrefix":"Na-save sa ","gxfiledrop.savedToSuffix":".","gxfiledrop.looksLikePrefix":"Mukhang isang ","gxfiledrop.looksLikeSuffix":". Kakailanganin naming i-drop mo ito sa tamang slot.","gxfiledrop.unrecognized":"Hindi namin matukoy kung ano ito. I-drag ito sa isang tiyak na slot sa ibaba.","gxfiledrop.aiConfidenceLabel":"Kumpiyansa ng AI:","gxfiledrop.imageClarityLabel":"Linaw ng larawan:","gxfiledrop.discrepancyHeading":"Pagkakaiba sa {category}","gxfiledrop.category.INCOME":"Kita","gxfiledrop.category.IDENTITY":"Pagkakakilanlan","gxfiledrop.category.ASSETS":"Mga ari-arian","gxfiledrop.category.PROPERTY":"Ari-arian","gxfiledrop.category.FRAUD":"Pandaraya","gxfiledrop.makeAChange":"Gumawa ng pagbabago","gxfiledrop.processing":"Pinoproseso...","gxfiledrop.autoCorrect":"Awtomatikong Pagwawasto","gxfiledrop.selectMoreFiles":"Pumili ng Higit Pang File","gxfiledrop.uploadDocuments":"Mag-upload ng mga Dokumento","gxfiledrop.dragDropPrefix":"I-drag at i-drop ang ","gxfiledrop.dragDropPdfs":"mga PDF","gxfiledrop.dragDropMid":" o ","gxfiledrop.dragDropImages":"mga larawan","gxfiledrop.dragDropSuffix":" kahit sa

1an, o mag-click upang mag-browse.","gxfiledrop.aiAutoClassifies":"Awtomatikong inuuri at inaayos ng AI ang bawat file sa tamang column.","gxfiledrop.chip.Paystubs":"Mga Paystub","gxfiledrop.chip.W-2s":"Mga W-2","gxfiledrop.chip.Bank Statements":"Mga Bank Statement","gxfiledrop.chip.IDs":"Mga ID","gxfiledrop.chip.Tax Returns":"Mga Tax Return","gxfiledrop.toastFilesEmpty":"{count} na file ang mukhang walang laman — i-export muli ang mga ito at subukang muli.","gxfiledrop.toastActionableItems":"Nakahanap ang AI Processor ng {count} na maaaksyunang item sa {file}.","gxfiledrop.toastAutoClearedOne":"1 action item ang awtomatikong na-clear: {titles}","gxfiledrop.toastAutoClearedMany":"{count} na action item ang awtomatikong na-clear: {titles}","gxfiledrop.toastAutoClearedMore":" (+{count} pa)","gxfiledrop.toast1003Updated":"Matagumpay na na-update ang 1003 Application.","gxfiledrop.toastLoeSent":"Naipadala ang LOE Request sa Borrower Portal.","gxfiledrop.toastAppraisalCreated":"Nalikha ang gawain sa appraisal.","gxfiledrop.toastActionFailed":"Nabigong isagawa ang aksyon.","gxfiledrop.toast1003FromDoc":"Na-update ang 1003 mula sa dokumento.","r4stage.application.label":"Aplikasyon","r4stage.application.headline":"Napunan mo na ang 1003 — opisyal nang nagsimula ang loan.","r4stage.application.whatHappens":"Kinukuha ng iyong loan officer ang datos ng aplikasyon at nagpapatakbo ng mga paunang pagsusuri: pagpapatunay ng pagkakakilanlan (Socure / OFAC), awtorisasyon na kunin ang credit, at isang magaspang na qualifying calculation upang itakda ang mga parameter ng loan. Wala pang naka-lock.","r4stage.application.typicalDuration":"Karaniwang same-day — sinusuri ng broker sa loob ng ilang oras pagkatapos ng pagsumite.","r4stage.application.prepare.0":"Ihanda ang iyong huling 2 taon ng mga W-2 at pay stub — hinihingi ito ng karamihan sa mga lender sa susunod na yugto.","r4stage.application.prepare.1":"Kung self-employed, mangalap ng 2 taon ng personal at business tax returns kasama ang Schedule C / K-1.","r4stage.application.prepare.2":"Tipunin ang mga statement ng bawat bank, brokerage, at retirement account mula sa huling 60 araw.","r4stage.application.prepare.3":"Government photo ID — driver's license o pasaporte.","r4stage.application.gotchas.0":"Hindi magkatugmang address sa pagitan ng mga bank statement at ng iyong 1003 — ito ay itatala ng mga title company.","r4stage.application.gotchas.1":'Kamakailang malalaking deposito na hindi direct deposit — kakailanganin ng mga underwriter ng isang "source" na liham.',"r4stage.application.gotchas.2":"Mga pagbabago sa trabaho sa loob ng huling 2 taon — magdala ng offer letters / W-2 mula sa dating employer.","r4stage.priced.label":"Napresyuhan","r4stage.priced.headline":"Napili na ang iyong rate at program (at posibleng naka-lock na).","r4stage.priced.whatHappens":"Pinapatakbo ng iyong broker ang mga senaryo sa kanilang network ng lender at pinipili ang pinakamahusay na kombinasyon ng rate, points, at lender para sa iyong file. Kung gumagalaw ang merkado, tatalakayin nila kung kailan ang rate lock — kapag naka-lock na, karaniwang hawak ang rate nang 30 / 45 / 60 araw.","r4stage.priced.typicalDuration":"Desisyon sa lock: 1-3 araw mula sa aplikasyon. Ang lock mismo ay maaaring may bisa nang 30-60 araw.","r4stage.priced.prepare.0":"Alamin ang iyong timeline — mas mahal ang lock period kapag mas matagal, kaya ang 60-araw na lock ay mas mahal kaysa sa 30-araw.","r4stage.priced.prepare.1":"Magpasya kung gusto mong magbayad ng points para ibaba ang rate. Gamitin ang buy-down calculator sa borrower portal.","r4stage.priced.prepare.2":'Kung hindi ka pa handang mag-lock, tanungin ang iyong broker tungkol sa "float-down" na opsyon — magbabayad ng maliit na bayad para mag-re-lock sa mas mababang rate kung bumaba ang merkado.',"r4stage.priced.gotchas.0":"Mga deadline ng pag-expire ng lock: kung malampasan ng iyong loan ang lock window, muli kang papresyuhan ayon sa kasalukuyang merkado — na maaaring mas masama.","r4stage.priced.gotchas.1":"Nagbabago ang rate sheets araw-araw (minsan sa loob ng isang araw). Ang rate na n

1arinig mo noong Lunes ay maaaring wala na sa umaga ng Martes.","r4stage.priced.gotchas.2":"Ang pagpapalit ng lender pagkatapos mag-lock ay karaniwang nangangailangan ng pag-break ng lock at muling pag-lock sa bagong lender — kadalasang may bayad.","r4stage.leIssued.label":"Naibigay ang LE","r4stage.leIssued.headline":"Naihatid na ang iyong pederal na Loan Estimate (regulated na 3-araw na deadline).","r4stage.leIssued.whatHappens":'Iniaatas ng pederal na batas (TRID) na maglabas ang lender ng Loan Estimate sa loob ng 3 araw ng negosyo mula sa isang "kumpletong aplikasyon." Ipinapakita ng LE ang iyong rate, buwanang bayad, lahat ng closing cost, at ang cash-to-close. May pagkakataon kang ihambing sa ibang mga lender kung namimili ka.',"r4stage.leIssued.typicalDuration":"Inilalabas sa loob ng 3 araw ng negosyo mula sa aplikasyon. May 10 araw ng negosyo ang nanghihiram para tumugon / mamili.","r4stage.leIssued.prepare.0":"Basahin nang mabuti ang LE — ang pahina 1 ay may mga termino ng loan; ang pahina 2 ay ang detalye ng closing cost.","r4stage.leIssued.prepare.1":"Ihambing sa anumang LE mula sa ibang mga lender. Ginagawa silang direktang maihahambing ng pormat na iniaatas ng pederal.","r4stage.leIssued.prepare.2":"I-save ang LE — makakatanggap ka ng Closing Disclosure sa bandang huli na dapat tumugma rito sa loob ng mga tolerance band.","r4stage.leIssued.gotchas.0":"May ilang closing cost (mga bayarin ng lender) na zero-tolerance — hindi sila maaaring tumaas sa pagitan ng LE at CD.","r4stage.leIssued.gotchas.1":"May 10% na tolerance band ang ibang mga gastos (recording, title).","r4stage.leIssued.gotchas.2":'Ang isang "third disclosure" na pangyayari (pagbabago ng rate > 0.125%, pagbabago ng loan program) ay muling magpapasimula ng 3-araw-ng-negosyo na orasan.',"r4stage.ausRun.label":"AUS","r4stage.ausRun.headline":"Tumakbo na ang Automated Underwriting (DU o LP) — ito ang gate-pass ng lender.","r4stage.ausRun.whatHappens":'Pinapatakbo ang iyong file sa Desktop Underwriter (DU) ng Fannie Mae o Loan Prospector (LP) ng Freddie Mac. Nagbabalik ang sistema ng isang "findings" na ulat: APPROVE / ELIGIBLE / REFER / REFER WITH CAUTION, kasama ang listahan ng mga kondisyong kailangan mong tugunan.',"r4stage.ausRun.typicalDuration":"Ang pagtakbo mismo ng AUS: ilang minuto. Ang pag-clear sa mga resultang kondisyon: 1-3 linggo depende sa availability ng dokumento.","r4stage.ausRun.prepare.0":"Basahin ang findings kung ibinahagi ng iyong broker — ang listahan ng kondisyon ang roadmap patungo sa pagsasara.","r4stage.ausRun.prepare.1":"Karamihan sa mga kondisyon ay mga dokumentong maaari mong i-upload ngayon din (paystubs, statements, ID).","r4stage.ausRun.prepare.2":"May ilang kondisyon na mga paliwanag — isang Letter of Explanation para sa late payment, isang malaking deposito, atbp. May Breeze-assisted na drafter ang portal na tumutulong sa iyong isulat ang mga ito.","r4stage.ausRun.gotchas.0":'Ang "Refer" ay hindi nangangahulugang tinanggihan — ibig sabihin nito ay manu-manong pagsusuri ng underwriter. Karaniwan ito sa hindi tradisyunal na kita.',"r4stage.ausRun.gotchas.1":"Maaaring muling patakbuhin ang AUS habang nilalinis mo ang mga kondisyon — minsan ang pangalawang pagtakbo ay umaangat mula REFER patungong APPROVE.","r4stage.ausRun.gotchas.2":"Maaaring magbago ang eligibility ng Fannie o Freddie sa gitna ng proseso kung magbago ang rates / pricing. Binabantayan ito ng iyong broker.","r4stage.submitted.label":"Naisumite","r4stage.submitted.headline":"Ang iyong kumpletong file ay nasa lender na para sa tao-na-underwriting.","r4stage.submitted.whatHappens":'Binubundle ng iyong broker ang aplikasyon, lahat ng dokumento, AUS findings, at mga sumusuportang LOE sa isang "submission package" at ipinapadala ito sa underwriting desk ng lender. Isang tunay na underwriter ang sumusuri rito nang linya-linya. Maaari kang makatanggap ng conditional approval (pinakakaraniwan) — karagdagang mga aytem na kailangang i-clear bago ang pagsasara.',"r4stage.submitted.typicalDuration":"Ang paunang desisyon ay karaniwang 3-7 araw ng negosyo. Karaniwan ang conditional approval — ang pag-clear sa mga iyon ay tumatagal ng karagdagang 1-2 linggo.","r4stage.submitted.prepare.0":"Maging madaling makontak — maaaring may follow-up na tanong ang underwriter na kailangan ng mabilis na sagot (sa loob ng 24-48 oras).","r4stage.submitted.prepare.1":"Huwag bumili ng malalaki o magbukas ng bagong credit lines. Muling kinukuha ng mga underwriter ang credit bago ang pagsasara, at ang bagong auto loan ay maaaring magpasabog sa iyong DTI.","r4stage.submitted.prepare.2":"Huwag magpalit ng trabaho o pinagmumulan ng kita kung maiiwasan.","r4stage.submitted.gotchas.0":"Ang turn times ng underwriting ay malaki ang pagkakaiba-iba bawat lender — ang ilan ay 24 oras, ang iba ay 7-10 araw ng negosyo.","r4stage.submitted.gotchas.1":"Minsan muling vine-verify ng mga lender ang trabaho (VOE) sa loob ng 10 araw bago ang pagsasara — kung nagbigay ka na ng abiso ng pag-alis, mahuhuli nila ito.","r4stage.submitted.gotchas.2":"Ang mga pagkakaiba sa tax returns (kita sa returns kumpara sa paystubs) ay madalas lumitaw dito. Maging handang magpaliwanag.","r4stage.cdIssued.label":"Naibigay ang CD","r4stage.cdIssued.headline":"Naihatid ang Closing Disclosure — ang dokumento ng pinal na mga numero na iniaatas ng pederal.","r4stage.cdIssued.whatHappens":"Iniaatas ng pederal na batas (TRID) na matanggap mo ang CD nang hindi bababa sa 3 araw ng negosyo bago ang pagsasara. Ang CD ay ang pinal na bersyon ng LE, na may naka-lock na mga numero. Ikinukumpara mo ito sa LE — anumang labas sa tolerance bands ay nangangailangan ng cure o muling pagsisiwalat.","r4stage.cdIssued.typicalDuration":"Inilalabas ang CD nang hindi bababa sa 3 araw ng negosyo bago ang pagsasara. Karamihan sa mga nanghihiram ay nakikita ito 5-7 araw bago ang pagsasara.","r4stage.cdIssued.prepare.0":"Ihambing nang magkatabi ang CD sa LE. Ang pahina 2 ay ang detalye ng closing cost.","r4stage.cdIssued.prepare.1":"Suriin ang cash-to-close sa pahina 1 — iyon ang eksaktong halagang kakailanganin mong i-wire sa araw ng pagsasara.","r4stage.cdIssued.prepare.2":"Huwag gumawa ng ANUMANG pagbabago sa iyong pananalapi sa loob ng 3-araw na cooling-off period — nagti-trigger ang mga ito ng muling pagsisiwalat at ni-re-reset ang 3-araw na orasan.","r4stage.cdIssued.gotchas.0":"Ang mga materyal na pagbabago (loan program, pagtaas ng APR > 0.125%) ay muling magpapasimula ng 3-araw na orasan. Ipina-push nito ang petsa ng pagsasara.","r4stage.cdIssued.gotchas.1":"Ang maliliit na pagbabago (pagwawasto ng typo, maliit na pagsasaayos ng bayarin) ay hindi nagre-restart sa orasan — ngunit ang malalaki ay oo.","r4stage.cdIssued.gotchas.2":"Ang cash-to-close sa CD ay eksakto. I-wire ang eksaktong halaga ng dolyar na iyon; huwag i-round off.","r4stage.signed.label":"Napirmahan","r4stage.signed.headline":"Pinirmahan mo ang closing package — Note, Deed of Trust, CD acknowledgment.","r4stage.signed.whatHappens":"Araw ng pagsasara. Pipirma ka ng 60-100 pahina ng mga dokumento — ang Note (ang iyong pangako na magbayad), ang Deed of Trust (ang lien sa bahay), ang CD acknowledgment, at iba't ibang disclosure. Maaaring personal sa isang title company o remote (RON — Remote Online Notarization). Para sa mga purchase loan, pumipirma ang nagbebenta sa parehong oras.","r4stage.signed.typicalDuration":"Appointment sa pagpirma: 60-90 minuto. Mula sa pagpirma hanggang sa funding ay maaaring same-day o hanggang ilang araw para sa mga refi.","r4stage.signed.prepare.0":"Magdala ng iyong government photo ID. Kailangan ng bawat co-borrower ng sarili nila.","r4stage.signed.prepare.1":"I-wire ang iyong cash-to-close (o magdala ng cashier's check) — karaniwang hindi tumatanggap ang mga title company ng personal na tseke.","r4stage.signed.prepare.2":"Maglaan ng 60-90 minuto para sa appointment. Basahin ang iyong pinipirmahan — may karapatan kang gawin ito.","r4stage.signed.gotchas.0":"WIRE FRAUD: Palaging i-verify ang wiring instructions nang berbal, sa telepono, gamit ang numerong sarili mong hinanap nang nakapag-iisa. Ang email-based na wire instructions ay madalas na pineperahan.","r4stage.signed.gotchas.1":"Para sa mga refinance, binibigyan ka ng pederal na batas ng 3-araw na karapatan ng rescission — maaari mong kanselahin at ibalik ito sa loob ng 3 araw ng negosyo pagkatapos pumirma.","r4stage.signed.gotchas.2":"Para sa mga pagbili, karaniwang HINDI ka pa nasa bahay hangga't hindi pa na-clear ang funding (susunod na yugto), kahit pagkatapos mong pumirma.","r4stage.funded.label":"Na-fund na","r4stage.funded.headline":"Na-disburse na ang loan — opisyal nang sa iyo ang bahay / kumpleto na ang refi.","r4stage.funded.whatHappens":"Iwa-wire ng lender ang pondo ng loan sa title company, na nagdi-disburse nito sa nagbebenta (purchase) o nagbabayad s

1a dating mortgage (refi). Kapag nakumpirma nang natanggap ang pondo, irerehistro ng title company ang bagong deed + mortgage sa county. Makukuha mo ang mga susi (purchase) o ma-clear ang dating loan (refi).","r4stage.funded.typicalDuration":"Para sa mga pagbili: same-day o kinabukasan pagkatapos pumirma. Para sa mga refi: karaniwang nagfa-fund 3 araw ng negosyo pagkatapos pumirma (right of rescission window).","r4stage.funded.prepare.0":"I-save ang iyong closing package — magtago ng digital at pisikal na kopya. Kakailanganin mo ito para sa buwis (closing costs deductibility) at para sa anumang refi sa hinaharap.","r4stage.funded.prepare.1":"I-set up ang iyong unang mortgage payment: karaniwang due 30-45 araw pagkatapos ng pagsasara. Karamihan sa mga lender ay awtomatikong nagde-debit kung mag-set up ka ng ACH; kung hindi, makakatanggap ka ng coupon book.","r4stage.funded.prepare.2":"I-update ang iyong homeowners insurance at mga utility sa bagong ari-arian.","r4stage.funded.gotchas.0":"Suriin ang mga nairehistrong dokumento sa opisina ng county recorder ilang araw pagkatapos ng pagsasara — kumpirmahin na ang deed ay nasa iyong pangalan at ang mortgage ay nakarehistro laban sa iyo.","r4stage.funded.gotchas.1":'Makakatanggap ka ng "1098 mortgage interest" na form mula sa lender sa katapusan ng taon — itago ito para sa iyong tax return.',"r4stage.funded.gotchas.2":'Nangyayari ang mga servicing transfer — ang lender na nag-fund sa iyong loan ay madalas na HINDI ang pagbabayaran mo. Bantayan ang "Goodbye letter / Hello letter" sa koreo.',"r4insights.payStubExpired.title":"Mahigit 30 araw na ang pay stub","r4insights.payStubExpired.explanation":"Masyadong matagal na ang petsa ng iyong pinakabagong pay stub para sa aming mga rekord. Kailangang makita ng mga nagpapautang ang isang pay stub mula sa nakaraang 30 araw bago ang pagsasara.","r4insights.payStubExpired.nextStep":"Ipadala sa amin ang iyong pinakabagong pay stub.","r4insights.payStubExpired.uploadLabel":"Mag-upload ng pay stub","r4insights.overtimeDetected.title":"May natukoy na overtime sa iyong pay stub","r4insights.overtimeDetected.explanation":"Ang ilan sa iyong kita ay overtime. Karaniwan naming maibibilang ang overtime sa iyong qualification kung ito ay tuloy-tuloy nang 2+ taon.","r4insights.overtimeDetected.nextStep":"Maging handa na magbahagi ng 24 na buwang kasaysayan ng kita kung hihilingin ng iyong loan officer.","r4insights.commissionBonus.title":"Komisyon o bonus na bayad sa iyong pay stub","r4insights.commissionBonus.explanation":"Ang variable na kita (komisyon/bonus) ay nabibilang sa iyong qualification, ngunit tinitingnan ng mga nagpapautang ang 2-taong average upang matiyak na ito ay tuloy-tuloy.","r4insights.commissionBonus.nextStep":"Ihanda ang W-2 ng nakaraang taon + ang huling 2 pay stub.","r4insights.selfEmploymentNoted.title":"Naitala ang kita mula sa self-employment","r4insights.selfEmploymentNoted.explanation":"Ang kita mula sa self-employment ay nangangailangan ng ilang karagdagang dokumento para ma-verify. Nais makita ng mga nagpapautang ang iyong mga tax return + mga rekord ng negosyo upang maibilang ito.","r4insights.selfEmploymentNoted.nextStep":"Mangalap ng 2 taong personal + business tax returns at isang business license.","r4insights.scheduleCNetLoss.title":"Nagpapakita ang tax return ng business loss","r4insights.scheduleCNetLoss.explanation":"Ang iyong pinakabagong tax return ay nag-uulat ng loss mula sa self-employment. Maaari nitong bawasan ang halaga ng kita na nabibilang sa iyong loan.","r4insights.scheduleCNetLoss.nextStep":"Pag-usapan ito kasama ang iyong loan officer — maaari nilang ipakita sa iyo kung aling mga taon ang nabibilang.","r4insights.scheduleCConfirmed.title":"Nakumpirma ang kita mula sa self-employment","r4insights.scheduleCConfirmed.explanation":"Nagpapakita ang iyong tax return ng tuloy-tuloy na kita mula sa self-employment. I-a-average namin ito sa nakaraang taon upang matukoy ang iyong qualifying amount.","r4insights.appraisalBelowContract.title":"Mas mababa ang appraisal kaysa sa presyo ng kontrata","r4insights.appraisalBelowContract.explanation":"Mas mababa ang halagang ibinigay 

1ng appraiser sa bahay kaysa sa napagkasunduan mong bayaran. Kakailanganin mong magdala ng karagdagang cash sa pagsasara, muling makipag-negosasyon sa presyo, o humiling ng muling pagsusuri sa appraisal.","r4insights.appraisalBelowContract.nextStep":"Makipag-usap sa iyong agent + loan officer upang magpasya kung aling paraan ang pinakamainam.","r4insights.appraisalMeetsContract.title":"Maganda ang appraisal","r4insights.appraisalMeetsContract.explanation":"Ang appraised value ay katumbas o lumalampas sa presyo ng kontrata. Maaaring magpatuloy ang iyong loan nang walang value-shortfall na papeles.","r4insights.decliningMarket.title":"Nasa mahinang market ang kapitbahayan","r4insights.decliningMarket.explanation":"Minarkahan ng appraiser ang kapitbahayan bilang bumababa. Ang ilang nagpapautang ay humihingi ng bahagyang mas malaking down payment upang i-offset ang panganib.","r4insights.decliningMarket.nextStep":"Ipapaalam sa iyo ng iyong loan officer kung magbabago ang mga tuntunin ng iyong loan.","r4insights.poorConditionC5.title":"Kailangan ng ayos ang property bago ang pagsasara","r4insights.poorConditionC5.explanation":"Ipinapakita ng appraisal na kailangan ng bahay ng malaking ayos bago pondohan ng mga nagpapautang ang loan. Karamihan sa mga programa ng loan ay nangangailangan na ang bahay ay nasa matitirhang kondisyon sa pagsasara.","r4insights.poorConditionC5.nextStep":"Makipag-ugnayan sa iyong agent kung aling mga ayos ang kukumpletuhin ng nagbebenta (o alin ang haharapin mo pagkatapos ng pagbaba ng presyo).","r4insights.poorConditionC6.title":"Kailangan ng malaking ayos ang property bago ang pagsasara","r4insights.poorConditionC6.explanation":"Ipinapakita ng appraisal na kailangan ng bahay ng malawakang ayos bago pondohan ng mga nagpapautang ang loan. Karamihan sa mga programa ng loan ay nangangailangan na ang bahay ay nasa matitirhang kondisyon sa pagsasara.","r4insights.poorConditionC6.nextStep":"Makipag-ugnayan sa iyong agent kung aling mga ayos ang kukumpletuhin ng nagbebenta (o alin ang haharapin mo pagkatapos ng pagbaba ng presyo).","r4insights.insuranceExpired.title":"Expired na ang homeowners insurance","r4insights.insuranceExpired.explanation":"Nag-expire na ang hazard insurance policy na naka-file. Nangangailangan ang mga nagpapautang ng aktibong policy sa araw na pondohan ang iyong loan.","r4insights.insuranceExpired.nextStep":"Makipag-ugnayan sa iyong insurance agent para sa bagong policy o renewal binder na epektibo sa pagsasara.","r4insights.insuranceExpired.uploadLabel":"Mag-upload ng bagong policy","r4insights.insuranceExpiresSoon.title":"Malapit nang mag-expire ang homeowners insurance","r4insights.insuranceExpiresSoon.explanation":"Mag-e-expire ang iyong kasalukuyang homeowners insurance policy sa loob ng susunod na 30 araw. Maaaring kailanganin namin ang renewal binder bago ang pagsasara.","r4insights.insuranceExpiresSoon.nextStep":"Mag-order ng renewal binder mula sa iyong insurance agent kung wala ka pa nito.","r4insights.insuranceExpiresSoon.uploadLabel":"Mag-upload ng renewal binder","r4insights.titleCloud.title":"May natagpuang isyu sa titulo ng property","r4insights.titleCloud.explanation":"May lien, hatol, o iba pang claim sa titulo ng property. Kailangang malinis ang mga ito bago mapondohan ng nagpapautang ang loan.","r4insights.titleCloud.nextStep":"Makikipagtulungan ang iyong title company + loan officer upang malutas ito — maaaring kailanganin mong magbigay ng dokumentasyon.","r4insights.communityProperty.title":"Kakailanganin ang pirma ng asawa","r4insights.communityProperty.explanation":"Hawak ang bahay bilang community property. Kahit hindi kasama ang iyong asawa sa loan, kakailanganin nilang pumirma ng ilang dokumento sa pagsasara.","r4insights.communityProperty.nextStep":"Planuhing maging available ang iyong asawa sa araw ng pagsasara.","r4insights.trid3DayViolation.title":"Masyadong maaga ang closing date pagkatapos ng Closing Disclosure","r4insights.trid3DayViolation.explanation":"Ayon sa batas, dapat mong matanggap ang iyong Closing Disclosure nang hindi bababa sa 3 business day bago ang pagsasara. Hindi natutugunan ng kasalukuyang mga petsa ito — malamang na maaantala ang pagsasara.","r4insights.trid3DayViolation.nextStep":"Maging handa sa posibleng mas huling closing date — kumpirmahin ng iyong loan officer ang bagong petsa.","r4insights.trid3DayMet.title":"Tama ang timeline ng pagsasara","r4insights.trid3DayMet.explanation":"Inilabas ang iyong Closing Disclosure nang may sapat na panahon bago ang pagsasara. Kinakailangan ng batas at nasa tamang landas tayo.","r4insights.cashToCloseTolerance.title":"Malaki ang pagbabago sa cash n

1a kailangan sa pagsasara","r4insights.cashToCloseTolerance.explanation":"Ang halagang kailangan mong dalhin sa pagsasara ay iba sa orihinal na Loan Estimate nang higit sa pinahihintulutan. Ipapaliwanag ng iyong loan officer kung sasagutin ng nagpapautang ang pagkakaiba o ikaw.","r4insights.cashToCloseTolerance.nextStep":"Hilingin sa iyong loan officer na ipaliwanag kung aling mga bayarin ang nagbago at bakit.","r4insights.borrowerReceivesFunds.title":"Makakatanggap ka ng pondo sa pagsasara","r4insights.borrowerReceivesFunds.explanation":"Batay sa mga numero, makakatanggap ka talaga ng pera sa pagsasara sa halip na magbayad. Karaniwang nangyayari ito sa cash-out refinances o rebate-rate na mga sitwasyon.","r4insights.ch7SeasoningMet.title":"Sapat nang nakalipas ang nakaraang bankruptcy","r4insights.ch7SeasoningMet.explanation":"Sapat na ang panahong lumipas mula nang ma-discharge ang iyong bankruptcy kaya lahat ng pangunahing programa ng loan (conventional, FHA, VA) ay bukas para sa iyo.","r4insights.ch7SeasoningPartial.title":"Nakaraang bankruptcy: may ilang opsyon ng loan na bukas, conventional ay hindi pa","r4insights.ch7SeasoningPartial.explanation":"Ang mga government-backed na loan (FHA, VA) ay available na sa iyo ngayon. Ang conventional na loan ay nangangailangan ng kaunti pang panahon bago ka maging kuwalipikado.","r4insights.ch7SeasoningPartial.nextStep":"Idi-direkta ka ng iyong loan officer sa programang akma sa iyong timeline.","r4insights.ch7SeasoningNotMet.title":"Nakaraang bankruptcy: hindi pa sapat ang nakalipas na panahon","r4insights.ch7SeasoningNotMet.explanation":"Karamihan sa mga programa ng loan ay nangangailangan ng panahon ng paghihintay pagkatapos ma-discharge ang bankruptcy. Maaaring kailanganin nating tingnan ang mga non-traditional na programa o maghintay hanggang matugunan ang seasoning period.","r4insights.ch7SeasoningNotMet.nextStep":"Ipapaliwanag ng iyong loan officer kung aling mga paraan ang maaaring gumana.","r4insights.irrelevantDocument.title":"Hindi mukhang loan document ang dokumento","r4insights.irrelevantDocument.explanation":"Ang file na in-upload mo ay mukhang resibo o hindi kaugnay na papeles — hindi namin ito magamit para sa iyong aplikasyon.","r4insights.irrelevantDocument.nextStep":"Alisin ang file na ito at mag-upload ng wastong loan document tulad ng pay stub, bank statement, o tax return.","r4insights.irrelevantDocument.uploadLabel":"Mag-upload ng tamang dokumento","r4prequal.strength.reserves12":"Reserves na ≥12 buwan na PITIA","r4prequal.strength.coBorrower":"May co-borrower sa aplikasyon","r4prequal.strength.reservesMonths":"Reserves na {months} buwan na PITIA","r4prequal.weakness.reservesAddDollars":"Magdagdag ng hindi bababa sa 2\xd7 ${amount2x} = ${amountTotal} na liquid reserves para malampasan ang susunod na overlay.","r4prequal.weakness.fico760":"Itaas ang FICO sa 760+ para sa tier-1 na presyo.","r4prequal.weakness.fico740":"Itaas ang FICO sa 740+ para maalis ang karamihan ng LLPA.","r4prequal.weakness.fico720":"Itaas ang FICO sa 720+ para maalis ang susunod na tier ng LLPA.","r4prequal.weakness.fico700":"Magsagawa ng rapid-rescore — ang pag-abot sa 700+ ay nakakatipid ng ~4 na puntos.","r4prequal.weakness.fico680":"Bayaran ang revolving balances; ang 680 ang susunod na price break.","r4prequal.weakness.fico660":"Sa ibaba ng 660, karamihan ng conventional overlays ay nag-uumpisa. Isaalang-alang ang FHA path.","r4prequal.weakness.fico640":"Sa ibaba ng 640 — lumipat sa FHA/non-QM at i-reset ang scenario.","r4prequal.weakness.fico620":"Sa ibaba ng 620 ay disqualified sa karamihan ng conventional lenders. FHA min 580 / VA 600.","r4prequal.weakness.ltv70":"Ibaba ang LTV sa ≤70 para malampasan ang susunod na LLPA.","r4prequal.weakness.ltv75":"Ibaba ang LTV sa ≤75 para sa pagbuti ng presyo.","r4prequal.weakness.ltv80":"Ibaba ang LTV sa ≤80 para maalis ang PMI.","r4prequal.weakness.ltv80pmi":"I-restructure sa LTV na ≤80 para maalis ang PMI + LLPA hit.","r4prequal.weakness.ltv90":"Sa itaas ng 90 LTV, tumataas ang PMI rates — isaalang-alang ang mas malaking down payment.","r4prequal.weakness.ltv95":"Sa itaas ng 95, may cap ang karamihan ng conventional lenders; lumipat sa FHA (max 96.5).","r4prequal.weakness.dti36":"Bayaran ang isang credit card para ibaba ang DTI sa ilalim ng 36.","r4prequal.weakness.dti43":"Sa itaas ng 43% DTI ay hindi pasado sa QM-safe-harbor; nangangailangan ang lender ng comp factors.","r4prequal.weakness.dti50":"Sa itaas ng 50% DTI ay non-QM territory — magpalit ng produkto.","r4prequal.weakness.llpaHeavy":"Tingnan ang Pricing tab — ang mga LLPA sa itaas ay nakatali sa FICO/LTV/occupancy. Ang pagpapabuti sa alinman dito ay nakakabawi ng puntos.","r4prequal.weakness.llpaStacked":"Sapat na mabigat ang kabuuang LLPA na maaaring mag-quote nang mas maganda ang ibang lender — i-rerun ang pricing kapag naka-wire na ang lender #2.","r4prequal.weakness.tenure24":"Ang matatag na trabaho na ≥24 buwan ay nag-aalis ng alalahanin ng lender tungkol sa comp factors.","r4prequal.weakness.tenure12":"Mas gusto ng mga lender ang ≥12 buwan sa kasalukuyang trabaho. I-dokumento ang continuity mula sa dating employer kung pareho ang uri ng trabaho.","r4prequal.weakness.tenure6":"<6 buwan sa kasalukuyang trabaho — karamihan ng lenders ay nangangailangan ng comp factors (malaking reserves, mababang LTV) para makabawi.","r4prequal.weakness.reservesAim":"Layunin ang hindi bababa sa 2 buwan na PITIA sa liquid reserves.","r4prequal.weakness.reservesNone":"Karamihan ng wholesale lenders ay nangangailangan ng ≥2 buwan na reserves sa primary residences; ang investment ay nangangailangan ng ≥6 buwan.","r4prequal.weakness.bankruptcy":"Kumpirmahin ang seasoning — 4 taon conventional / 2 taon FHA mula sa discharge date. Kunin ang discharge order para ma-verify.","r4prequal.weakness.foreclosure":"Seasoning ng foreclosure — 7 taon conventional (3 taon kung may extenuating circumstances), 3 taon FHA. I-ver

1ify gamit ang credit report.","r4prequal.weakness.selfEmployed":"Ang self-employed ay nangangailangan ng 2 taon na returns + Schedule C average. Magdagdag ng reserves; mas mahigpit ang lenders sa cash flow.","r4prequal.weakness.jumbo":"Ang paglampas sa conforming-loan limit ay nag-uudyok ng jumbo overlays. Kumpirmahin na tinatanggap ng UWM (o jumbo-capable lender) ang kombinasyon ng FICO + LTV.","r4prequal.weakness.cashOut":"Ang rate-term refinance ay umiiwas sa cash-out LLPA bracket.","r4prequal.weakness.manufactured":"Ang manufactured properties ay may mas makitid na appetite ng lender — kumpirmahin na tinatanggap ng UWM ang uri ng foundation.","r4prequal.weakness.ausApproveIneligible":"Inaprubahan ng AUS na may mga kondisyon na nagpapagawa itong ineligible — suriin ang findings para matukoy ang overlay.","r4prequal.weakness.ausReferCaution":"Ni-refer ng AUS nang may caution — malamang manual UW. Palakasin ang file (income docs, reserves) bago mag-submit.","r4prequal.weakness.highCost":"Bawasan ang points/fees o note rate para mababa sa APR threshold; tingnan ang Pricing tab.","r4prequal.weakness.atrIncomplete":"Buksan ang Compliance tab; nakalista doon ang mga nawawalang ATR factors.","r4prequal.weakness.stateHighCost":"State high-cost loan — kailangan ng karagdagang disclosures sa pag-submit.","r4prequal.weakness.noProduct":"Tingnan ang Pricing tab — malamang may na-hit na hard product cap (FICO/LTV/loan-amount).","r4health.stage.applicationReview":"Pagsusuri ng Aplikasyon","r4health.stage.applicationStarted":"Nasimulan na ang Aplikasyon","r4health.stage.draft":"Draft","r4health.stage.applicationSubmitted":"Naisumite na ang Aplikasyon","r4health.stage.submitted":"Naisumite","r4health.stage.processing":"Pinoproseso","r4health.stage.preUnderwriting":"Pre-Underwriting","r4health.stage.underwriting":"Underwriting","r4health.stage.seniorUnderwriting":"Senior Underwriting","r4health.stage.conditionalApproval":"Kondisyonal na Pag-apruba","r4health.stage.approved":"Naaprubahan","r4health.stage.clearToClose":"Clear To Close","r4health.stage.closing":"Pagsasara","r4health.stage.funded":"Napondohan","r4health.factor.conditionsInProgressOne":"{count} kondisyon na isinasagawa","r4health.factor.conditionsInProgressMany":"{count} kondisyon na isinasagawa","r4health.factor.openConditionsOne":"{count} bukas na kondisyon","r4health.factor.openConditionsMany":"{count} bukas na kondisyon","r4health.factor.noOpenConditions":"Walang bukas na kondisyon","r4health.factor.docsInProgressOne":"{count} dokumento na isinasagawa","r4health.factor.docsInProgressMany":"{count} dokumento na isinasagawa","r4health.factor.docsNeededOne":"{count} dokumento pa ang kailangan","r4health.factor.docsNeededMany":"{count} dokumento pa ang kailangan","r4health.factor.daysSinceUpdateOne":"{count} araw mula nang huling update","r4health.factor.daysSinceUpdateMany":"{count} araw mula nang huling update","r4health.factor.rateLocked":"Naka-lock ang rate sa {rate}%","r4health.factor.closingConfirmed":"Nakumpirma ang petsa ng pagsasara","r4health.action.clearConditionsOne":"Tapusin ang {count} bukas na kondisyon","r4health.action.clearConditionsMany":"Tapusin ang {count} bukas na kondisyon","r4health.action.uploadDocsOne":"I-upload ang {count} nakabinbing dokumento","r4health.action.uploadDocsMany":"I-upload ang {count} nakabinbing dokumento","r4health.action.lockRate":"I-lock ang inyong rate kapag handa na","r4health.action.pickClosingDate":"Pumili ng petsa ng pagsasara","r4tour.step3.plaid.title":"Iwasan ang pag-type — ikonekta ang iyong bangko","r4tour.step3.plaid.body":"Kaya naming kunin nang awtomatiko ang iyong mga uri ng account, balanse, at huling 4 na numero ng account sa pamamagitan ng <strong>Plaid</strong> — bank-level na encryption, ginagamit ng Venmo, Robinhood, Coinbase. Ang iyong bank login ay direktang <strong>pupunta sa Plaid</strong> (hindi sa amin), at ang balanse at mga uri lang ang natatanggap namin. Karamihan sa mga borrower ay nakakatipid ng 5+ minuto dito.","r4tour.step3.plaid.ask":"Ligtas ba na ikonekta ang aking bangko sa pamamagitan ng Plaid?","r4tour.step3.plaid.action.primary":"Oo — ikonekta ang aking bangko","r4tour.step3.plaid.action.secondary":"Salamat na lang, mano-mano ko na lang idadagdag","r4tour.step3.addAsset.title":"Magdagdag ng asset (opsyonal)","r4tour.step3.addAsset.body":"<strong>Laktawan kung wala kang account na ililista</strong> (bihira — karamihan sa mga borrower ay naglilista man lang ng kanilang pangunahing checking). Kung mayroon, i-click ang <strong>Add Asset</strong> at gagabayan kita sa pagpuno ng isang account. Pwede kang magdagdag pa mamaya.","r4tour.step3.addAsset.ask":"Kailangan ko bang ilista lahat ng account, o yung mga gagamitin ko lang para sa down payment?","r4tour.step3.addAsset.action.primary":"Magdagdag ng asset","r4tour.step3.addAsset.action.secondary":"Laktawan — walang manu-manong asset","r4tour.step5.addProperty.title":"Magdagdag ng property (opsyonal)","r4tour.step5.addProperty.body":"<strong>Laktawan kung wala kang ibang real estate.</strong> Kung may iba kang property bukod sa pinopondohan mo sa loan na ito — pinaparentahan, bakasyunan, bayad nang bahay — i-click ang <strong>Add Property</strong> at gagabayan kita sa isang entry. Pwede kang magdagdag pa mamaya.","r4tour.step5.addProperty.ask":"May co-own akong property kasama ang kapatid ko — ililista ko ba ito?","r4tour.step5.addProperty.action.primary":"Magdagdag ng property","r4tour.step5.addProperty.action.secondary":"Laktawan — walang ibang property","r4tour.step1.0.title":"Iyong legal na pangalan (first name)","r4tour.step1.0.body":"Gamitin ang pangalan na <strong>eksaktong tulad ng nakalagay sa iyong government-issued ID</strong>. Kahit isang typo lang ay pwedeng makapagpaantala sa loan sa closing.","r4tour.step1.0.ask":"Bakit kailangang tumugma ang legal kong pangalan sa ID ko para sa mortgage?","r4tour.step1.1.title":"Middle name","r4tour.step1.1.body":"<strong>Laktawan kung wala kang middle name (o wala ito sa ID mo).</strong> Kung NASA ID mo ito, isama mo — kung hindi, hihingin ito ng title company mamaya, na pwedeng makapagpabagal sa closing.","r4tour.step1.1.ask":"Kailangan ko bang isama ang middle name ko sa aking mortgage?","r4tour.step1.2.title":"Apelyido","r4tour.step1.2.body":"Parehong panuntunan: dapat tugma sa iyong government ID. Mga gitling, suffix, accent — iwanan lang ang mga ito.","r4tour.step1.2.ask":"Iba ang apelyido ko sa ID kaysa sa karaniwan kong ginagamit — ano ang gagawin ko?","r4tour.step1.3.title":"Suffix","r4tour.step1.3.body":"<strong>Laktawan kung wala nito ang iyong ID.</strong> Punan kung mayroon — Jr, Sr, II, III, atbp. Mahuhuli ng title company ang anumang hindi pagtutugma mamaya, kaya mas malinis na itakda ito ngayon.","r4tour.step1.3.ask":'Isasama ko ba ang "Jr" kung pareho ang pangalan ng tatay ko sa akin?',"r4tour.step1.4.title":"Iba pang pangalan na ginamit mo na","r4tour.step1.4.body":"<strong>Laktawan kung palagi kang gumagamit ng parehong pangalan.</strong> Kung nagkaroon ka ng maiden name, dating legal na pangalan, o matagal nang palayaw na lumalabas sa mga financial account, ilista ang mga ito rito — maaaring may rekord ang credit bureau sa ilalim ng mga pangalang iyon.","r4tour.step1.4.ask":"Pinalitan ko ang pangalan ko noong nag-asawa ako — ano ang ilalagay ko bilang alternatibong pangalan?","r4tour.step1.5.title":"Email address","r4tour.step1.5.body":"Dito namin ipinapadala ang mga update sa status ng iyong loan, kasama ang link para mag-e-sign ng mga disclosure. Gumamit ng madalas mong tinitingnan.","r4tour.step1.5.ask":"Gaano kadalas akong makakatanggap ng email tungkol sa loan ko?","r4tour.step1.6.title":"Cell phone","r4tour.step1.6.body":"Tatawagan/te-text ka ng iyong broker dito. Ginagamit din para sa mga OTP login code kapag nag-sign in ka mula sa bagong device.","r4tour.step1.6.ask":"Makakatanggap ba ako ng spam calls kung ibibigay ko ang numero ko?","r4tour.step1.7.title":"Home phone","r4tour.step1.7.body":"<strong>Laktawan kung wala kang landline.</strong>

1 Karamihan sa mga borrower ay wala at puwedeng iwang blangko. Kung meron ka, nakakatulong ang pagkakaroon ng pangalawang numero sa file kung sakaling hindi maabot ang cell mo sa isang closing call.","r4tour.step1.7.ask":"Mahalaga ba ang home phone ko kung ang cell ko ang pangunahing numero?","r4tour.step1.8.title":"Work phone","r4tour.step1.8.body":"<strong>Laktawan kung mas gusto mong huwag kang kontakin sa trabaho.</strong> Kung ilalagay mo, maaaring tumawag ang verifier ng lender para kumpirmahin ang trabaho — humihingi sila ng HR/payroll, hindi ikaw mismo.","r4tour.step1.8.ask":"Sasabihan ba ang trabaho ko na nag-a-apply ako ng mortgage?","r4tour.step1.9.title":"Petsa ng kapanganakan","r4tour.step1.9.body":"Kailangan para sa credit pull at pederal na compliance. Format: MM/DD/YYYY. Dapat 18 pataas.","r4tour.step1.9.ask":"Bakit kailangan ninyo ang petsa ng aking kapanganakan?","r4tour.step1.10.title":"Social Security Number","r4tour.step1.10.body":"<strong>Kailangan</strong> para sa credit pull. Nakaimbak na naka-hash; hindi na ipapakita sa iyo muli.","r4tour.step1.10.ask":"Ligtas bang ilagay ang aking SSN sa form na ito?","r4tour.step1.11.title":"Katayuan sa pag-aasawa","r4tour.step1.11.body":"Pumili ng isa. Kung kasal sa isang community-property state (CA, AZ, ID, LA, NV, NM, TX, WA, WI), maaaring humingi kami ng limitadong impormasyon ng asawa kahit wala sila sa loan.","r4tour.step1.11.ask":"Bakit mahalaga ang katayuan ko sa pag-aasawa para makakuha ng mortgage?","r4tour.step1.12.title":"Pagkamamamayan","r4tour.step1.12.body":"Ang mga mamamayan ng U.S. ay may pinakamaraming pagpipilian sa loan. Kwalipikado rin ang permanent at non-permanent residents — kailangan lang ng karagdagang dokumento (green card o work visa).","r4tour.step1.12.ask":"Pwede ba akong kumuha ng mortgage kahit hindi ako mamamayan?","r4tour.step1.13.title":"Address ng kalye at unit","r4tour.step1.13.body":"Ang kasalukuyan mong tirahan — <strong>address ng kalye</strong> at <strong>unit / apt number</strong> kung mayroon. Kailangan ng lenders ng 2 taong tuloy-tuloy na residence history; kung wala pang 2 taon kang nakatira rito, itatanong din namin ang dati mong address. Optional ang unit #.","r4tour.step1.13.ask":"Bakit kailangan ng 2 taong address history para sa aking mortgage?","r4tour.step1.14.title":"Lungsod","r4tour.step1.14.body":"Lungsod ng iyong kasalukuyang tirahan.","r4tour.step1.14.ask":"Kailangan bang tumugma ang lungsod sa aking driver's license?","r4tour.step1.15.title":"Estado","r4tour.step1.15.body":"Two-letter state code (hal. CA, NY). Mahalaga para sa state-specific na mga panuntunan sa compliance.","r4tour.step1.15.ask":"Bakit mahalaga ang estado para sa aking mortgage?","r4tour.step1.16.title":"ZIP code","r4tour.step1.16.body":"Ang ZIP code ng kasalukuyan mong tirahan. Ginagamit para kunin ang impormasyon ng property tax at flood-zone kung bibili ka rito balang araw.","r4tour.step1.16.ask":"Paano nakakaapekto ang ZIP code sa aking loan?","r4tour.step1.17.title":"Katayuan sa tirahan","r4tour.step1.17.body":"Sariling-pag-aari / Umuupa / Libreng tirahan. Kung umuupa ka, hihingin namin ang buwanan mong upa (ginagamit sa debt-to-income).","r4tour.step1.17.ask":"Nakakaapekto ba ang kasalukuyan kong katayuan sa tirahan sa pag-apruba ng aking mortgage?","r4tour.step1.18.title":"Gaano katagal sa address na ito","r4tour.step1.18.body":"Mga taon at buwan sa address na ito. Kung wala pang 2 taon sa kabuuan, magdadagdag ang wizard ng card para sa dating address sa susunod.","r4tour.step1.18.ask":"Paano kung lumipat ako ng tirahan nang ilang beses sa nakaraang 2 taon?","r4tour.step2.0.title":"Ang kasalukuyan mong employer","r4tour.step2.0.body":'Gamitin ang <strong>legal na pangalan</strong> na nasa paycheck o W-2 mo, hindi ang brand. Kung nakasaad sa stub mo na "Acme Holdings LLC" pero Acme ang tawag ng lahat, ilagay ang legal na pangalan — itetsek ito ng payroll verification. Kung wala pang row, i-click ang <strong>Add Employment</strong> sa ibaba para magsimula.',"r4tour.step2.0.ask":"Paano kung iba ang legal na pangalan ng employer ko sa sinasabi ko sa mga tao?","r4tour.step2.1.title":"Telepono ng employer","r4tour.step2.1.body":"Puwede ang pangunahing linya ng HR o payroll. Maaaring tumawag ang lender o verifier para kumpirmahin ang trabaho — hindi sila hihingi ng personal na detalye.","r4tour.step2.1.ask":"Tatawagan ba ang employer ko tungk

1ol sa mortgage na ito?","r4tour.step2.2.title":"Kalye at lungsod ng employer","r4tour.step2.2.body":"Ang kalye at lungsod ng employer mo (ang corporate o HQ address na nasa pay stub mo). Kung remote kang nagtatrabaho, gamitin ang headquarters ng employer, hindi ang bahay mo.","r4tour.step2.2.ask":"Paano kung remote akong nagtatrabaho — gagamitin ko ba ang home address ko bilang address ng employer?","r4tour.step2.3.title":"State at ZIP ng employer","r4tour.step2.3.body":"Ang state at ZIP ng address ng employer. Gagamitin ito ng lender para sa Verification of Employment (VOE) — tatawagan nila ang HR/payroll line sa lokasyong ito.","r4tour.step2.3.ask":"Bakit kailangan ng lender ang address ng employer ko?","r4tour.step2.4.title":"Self-employed ka ba? Sabihin sa amin ngayon","r4tour.step2.4.body":"Ang mga self-employed na borrower ay nangangailangan ng ibang mga dokumento: <strong>2 taong personal na tax returns</strong>, business tax returns kung ikaw ay may-ari ng 25% o higit pa, at isang <strong>YTD profit-and-loss statement</strong>. Ang pagsabi ng oo dito ang magbubukas ng tamang checklist ng dokumento sa susunod.","r4tour.step2.4.ask":"Isa akong 1099 contractor — itinuturing ba akong self-employed para sa mortgage?","r4tour.step2.5.title":"May bahagi ka ba ng pagmamay-ari sa kompanyang ito?","r4tour.step2.5.body":"<strong>Laktawan kung wala kang anumang pagmamay-ari sa kompanya.</strong> Punan kung mayroon — mahalaga ito dahil ang <strong>25% o higit pang pagmamay-ari</strong> ay nangangahulugang ituturing ka ng nagpapahiram bilang self-employed anuman ang paraan ng pagbabayad sa iyo (at kakailanganin nila ang business tax returns). Kung mas mababa sa 25%, isa ka pa ring empleyado para sa underwriting.","r4tour.step2.5.ask":"May-ari ako ng 10% ng aking employer — self-employed ba ako para sa mortgage?","r4tour.step2.6.title":"Ang iyong titulo sa trabaho","r4tour.step2.6.body":"Gamitin ang titulo na nasa iyong offer letter o business card. Kung na-promote ka, gamitin ang iyong kasalukuyang titulo — nakikita ng verifier ang kasalukuyang payroll, hindi ang nakaraan.","r4tour.step2.6.ask":"Ang titulo ko sa trabaho ay iba sa sinasabi ko sa mga tao — alin ang gagamitin ko?","r4tour.step2.7.title":"Gaano katagal ka nang nagtatrabaho dito","r4tour.step2.7.body":"Kabuuang panahon sa <em>employer na ito</em> sa taon at buwan. Hindi nakakawala ng kwalipikasyon ang madalas na paglipat ng trabaho, ngunit mas gusto ng mga nagpapahiram na makita ang <strong>2 taon sa parehong trabaho</strong> o sa parehong linya ng trabaho.","r4tour.step2.7.ask":"Kakapalit ko lang ng trabaho — nakakasama ba ito sa aking pagkakataon?","r4tour.step2.8.title":"Petsa ng pagsisimula","r4tour.step2.8.body":"Kung kailan ka nagsimula sa <em>employer na ito</em>. Ginagamit upang tumpak na makalkula ang kabuuang tenure mo (mas gusto ng nagpapahiram ang tiyak na petsa kaysa sa naka-round na taon/buwan).","r4tour.step2.8.ask":"Hindi ko matandaan ang eksaktong petsa ng pagsisimula ko — ano ang ilalagay ko?","r4tour.step2.9.title":"Petsa ng pagtatapos","r4tour.step2.9.body":"<strong>Iwanang blangko para sa iyong kasalukuyang trabaho.</strong> Kung dating employer ito, ang petsa nang umalis ka. Ginagamit ito ng nagpapahiram upang kumpirmahin na walang gaps sa trabaho sa iyong 2-taong kasaysayan.","r4tour.step2.9.ask":"Ang petsa ba ng pagtatapos ay ang huling araw kong nagtrabaho o ang petsa nang natapos ang aking benefits?","r4tour.step2.10.title":"Mga taon sa linya ng trabahong ito","r4tour.step2.10.body":"Kabuuang panahon sa iyong CAREER — hindi lang sa employer na ito. Ang mga madalas lumipat ng trabaho sa loob ng parehong industriya ay kwalipikado pa rin dahil <strong>binibilang ang pagpapatuloy sa linya ng trabaho</strong>. Halimbawa: 3 magkakaibang trabaho bilang software engineer sa loob ng 6 na taon = 6 na taon sa linya ng trabaho.","r4tour.step2.10.ask":"Nagpalit ako ng career — bibilangin pa ba ang mga lumang taon ko?","r4tour.step2.11.title":"Empleado ka ba ng pamilya?","r4tour.step2.11.body":"Kung ang isang magulang, kapatid, o asawa ang may-ari ng negosyo, lagyan ng check ito. Humihingi ang mga nagpapautang ng <strong>karagdagang dokumento</strong> (W-2 + nilagdaang sulat mula sa employer) dahil madaling i-peke ang trabaho sa pamilya.","r4tour.step2.11.ask":"Ang mga magulang ko ang may-ari ng kompanyang pinagtatrabahuhan ko — may ipinagbabago ba ito?","r4tour.step2.12.title":"Empleado ng isang partido sa transaksyon?","r4tour.step2.12.body":"<strong>Laktawan ito maliban na lang kung ang employer mo MISMO ang seller, builder, o realtor sa transaksyong ito.</strong> Nagdudulot ito ng mas mahigpit na pagsusuri (posibleng conflict of interest, kadalasang kailangan ng pangalawang appraisal). Karamihan sa mga borrower ay sumasagot ng Hindi.","r4tour.step2.12.ask":"Ano ang 'partido sa transaksyon' at malalaman ko ba kung isa ang employer ko?","r4tour.step2.13.title":"Ang iyong buwanang base pay","r4tour.step2.13.body":"Buwanang gross (bago ang buwis) na sahod. Kung oras-oras ang bayad sa iyo, i-multiply ang oras-oras na rate \xd7 oras kada linggo \xd7 4.33. Ang sahod kada dalawang linggo \xd7 2.167.","r4tour.step2.13.ask":"Paano ko iko-convert ang oras-oras kong sahod sa buwanang kita para sa mortgage?","r4tour.step2.14.title":"Variable na kita","r4tour.step2.14.body":"Overtime, bonus, at komisyon. <strong>Laktawan kung suweldo lang ang kita mo.</strong> Kung may variable pay ka, ang paglista nito ay maaaring <strong>malaki ang maitaas sa iyong kakayahang manghiram</strong> — binibilang ito ng mga nagpapautang kapag may 2 taon ka nang history. Ilagay ang buwanang average sa n

1akaraang 24 na buwan.","r4tour.step2.14.ask":"Malaki ang pagbabago ng bonus ko bawat taon — gagamitin ba ito ng nagpapautang?","r4tour.step2.15.title":"Suweldo militar","r4tour.step2.15.body":"<strong>Laktawan kung hindi ka active/reserve na militar.</strong> Kung ikaw ay militar, buwanang base pay + BAH (Basic Allowance for Housing) + BAS (Subsistence) + anumang special pay. Dito inilalagay ng mga aplikante ng VA loan ito.","r4tour.step2.15.ask":"Binibilang ba ang BAH bilang taxable income para sa pagkuwalipika sa mortgage?","r4tour.step2.16.title":"Iba pang kita","r4tour.step2.16.body":"<strong>Laktawan kung wala kang ibang kita mula sa trabaho.</strong> Mga halimbawang dito inilalagay: tip na nakareport sa W-2, regular na shift differential, on-call pay. (HINDI ang alimony, child support, o kita sa pagpapaupa — may sariling seksyon ang mga iyon.)","r4tour.step2.16.ask":"Saan ko ilalagay ang mga tip na wala sa aking paycheck?","r4tour.step2.17.title":"Ngayon, magdagdag ng mga lumang trabaho para masakop ang 2 taon","r4tour.step2.17.body":"Kailangan ng mga nagpapautang ng <strong>2 taong tuloy-tuloy na trabaho</strong>. Kung wala pang 2 taon sa trabahong ito, i-click ang <strong>Magdagdag ng Trabaho</strong> at ilagay ang mga nakaraang trabaho nang sunud-sunod hanggang masakop ang 24 na buwan. Ang mga puwang ay nangangailangan ng nakasulat na paliwanag.","r4tour.step2.17.ask":"May 4 na buwang puwang ako sa pagitan ng mga trabaho — paano ko ipapaliwanag ito?","r4tour.step3.0.title":"Uri ng account","r4tour.step3.0.body":"Piliin ang pinakamalapit na tugma: <strong>Checking</strong> para sa pang-araw-araw, <strong>Savings</strong> para sa hiwalay na ipon, <strong>Retirement</strong> para sa 401(k)/IRA, <strong>Brokerage</strong> para sa stocks. Kung wala ang uri mo, piliin ang Iba. Kung wala pang row, i-click ang <strong>Add Asset</strong> para magsimula.","r4tour.step3.0.ask":"Nasa Roth IRA ang pera ko — anong uri ng account ang pipiliin ko?","r4tour.step3.1.title":"Aling bangko o brokerage","r4tour.step3.1.body":'Gamitin ang legal na pangalan na nasa statement mo (hal., <em>"Chase Bank, N.A."</em>, <em>"Fidelity Brokerage Services LLC"</em>). Itutugma ito ng lender sa dokumentong ia-upload mo mamaya.',"r4tour.step3.1.ask":"Kailangan bang eksaktong magkatugma ang pangalan ng bangko sa statement ko?","r4tour.step3.2.title":"Account number (huling 4 lang)","r4tour.step3.2.body":"<strong>Huling 4 na digit lang.</strong> Hindi namin iniimbak ang buong account number sa application. Kukumpirmahin ng lender ang buong numero mamaya mula sa mga statement na i-a-upload mo.","r4tour.step3.2.ask":"Bakit huling 4 na digit lang ng account number ko ang kailangan ninyo?","r4tour.step3.3.title":"Magkano ang laman nito","r4tour.step3.3.body":"Gamitin ang kasalukuyang balanse (o market value para sa brokerage/retirement accounts). I-round sa pinakamalapit na dolyar. Beberipikahin ito ng lender gamit ang iyong <strong>2 pinakabagong statement</strong>.","r4tour.step3.3.ask":"Nagbabago-bago ang balanse ng account ko — anong numero ang gagamitin ko?","r4tour.step3.4.title":"Idagdag ang bawat account na may pera","r4tour.step3.4.body":"Beberipikahin ng mga lender ang iyong assets gamit ang <strong>2 buwang bank statements</strong>. Isama ang checking, savings, retirement (401k/IRA), brokerage, pati crypto. Hindi krimen ang makalimutan ang isang account, pero hindi mo magagamit ang pondo para sa closing kung hindi ito nakalista.","r4tour.step3.4.ask":"Kailangan ko bang i-disclose ang mga account na hindi ko gagamitin para sa down payment?","r4tour.step3.5.title":"Tungkol sa gifts at grants","r4tour.step3.5.body":"Ang <strong>gift</strong> ay pera na ibinibigay sa iyo ng isang tao para sa loan na ito na hindi mo kailangang bayaran. Kailangan: isang nilagdaang <strong>gift letter</strong> mula sa donor + paper trail na nagpapakitang lumipat ang pondo (wire confirmation, deposit receipt). Walang letter = hindi ito ibibilang ng lender para sa closing.","r4tour.step3.5.ask":"Bibigyan ako ng magulang ko ng $20K para sa down payment — anong mga papeles ang kailangan ko?","r4tour.step3.6.title":"Sabihin sa amin ang tungkol sa gift mo","r4tour.step3.6.body":"Piliin ang uri (Cash ang pinakakaraniwan), ang pinagmulan (Kamag-anak, Employer, Agency, Iba), at ang halaga. May sariling row ang bawat gift.","r4tour.step3.6.ask":"Puwede ba akong bigyan ng employer ko ng gift money para sa down payment?","r4tour.step3.7.title":"Magdagdag ng regalo o grant (opsyonal)","r4tour.step3.7.body":"<strong>Laktawan kung walang nagbibigay sa iyo ng pera para sa loan na ito.</strong> Kung may kamag-anak, employer, o ahensiya ng grant na tumutulong sa closing costs o down payment, i-click ang <strong>Magdagdag ng Regalo/Grant</strong>. Bawat nagbibigay ay kailangan ng sariling row + sariling gift letter.","r4tour.step3.7.ask":"Hiwalay na nagbibigay ng regalo ang mga magulang ko — isa o dalawang regalo ang ilista ko?","r4tour.step3.7.action.primary":"Magdagdag ng regalo","r4tour.step3.7.action.secondary":"Laktawan — walang regalo","r4tour.step4.0.title":"Magdagdag ng utang (

1opsyonal)","r4tour.step4.0.body":"<strong>Laktawan kung wala kang credit card, car loan, o student loan.</strong> Karamihan ng borrower ay may kahit isa — bawat buwanang utang ay pumapasok sa iyong <strong>debt-to-income (DTI)</strong> ratio, na siyang #1 na hadlang sa underwriting. I-click ang Magdagdag ng Liability at gagabayan kita sa isang entry.","r4tour.step4.0.ask":"Hindi ko ginagamit ang credit card ko — kailangan ko pa rin bang ilista ito?","r4tour.step4.0.action.primary":"Magdagdag ng utang","r4tour.step4.0.action.secondary":"Laktawan — walang utang","r4tour.step4.1.title":"Uri ng utang","r4tour.step4.1.body":"<strong>Revolving</strong> = mga credit card (nagbabago ang balanse kada buwan). <strong>Installment</strong> = nakapirming buwanang bayad na may petsa ng pagtatapos (car loan, student loan). <strong>Lease</strong> = lease ng kotse o kagamitan. Kung napuno na ito ng credit-pull, kadalasan ay hindi mo na ito kailangang baguhin.","r4tour.step4.1.ask":"Ang car loan ko ay galing sa credit union — installment ba iyon o revolving?","r4tour.step4.2.title":"Kung kanino ka may utang","r4tour.step4.2.body":'Ang pangalan ng creditor gaya ng nakalagay sa statement (hal., <em>"Chase Card Services"</em>, <em>"Toyota Financial Services"</em>). Pupunan ito ng credit pull para sa mga tradeline na utang.',"r4tour.step4.2.ask":"Mali ang pangalan ng creditor na ipinapakita ng credit pull — puwede ko ba itong itama?","r4tour.step4.3.title":"Numero ng account","r4tour.step4.3.body":"<strong>Laktawan kung napuno na ito ng credit-pull.</strong> Kung hindi: puwede na ang huling 4 na digit. Huwag mag-alala sa format — itutugma ito ng nagpapautang sa mga record ng bureau. Nakakatulong kapag may maraming card ka mula sa parehong issuer para makilala ng nagpapautang ang isa't isa.","r4tour.step4.3.ask":"Naka-mask ang numero ng account ko sa credit report — problema ba iyon?","r4tour.step4.4.title":"Magkano pa ang utang mo","r4tour.step4.4.body":"Kasalukuyang balanse (muling beberipikahin ng nagpapautang laban sa data ng bureau). Para sa mga credit card, ito ang statement balance — kahit binabayaran mo nang buo kada buwan, binibilang pa rin ang pinakabagong statement balance.","r4tour.step4.4.ask":"Binabayaran ko nang buo ang credit card ko kada buwan — bibilangin pa rin ba ang balanse?","r4tour.step4.5.title":"Ang iyong buwanang bayad","r4tour.step4.5.body":"Ang minimum na kinakailangang buwanang bayad (hindi ang karaniwan mong binabayaran). Direkta itong pumapasok sa iyong <strong>debt-to-income (DTI) ratio</strong> — idinaragdag ng lender ang lahat ng minimum + ang bagong mortgage at hinahati sa gross na buwanang kita.","r4tour.step4.5.ask":"Lagi akong nagbabayad nang higit sa minimum — ang minimum ba ang ginagamit ng lender o ang aktwal kong bayad?","r4tour.step4.6.title":"Mga buwang natitira (opsyonal)","r4tour.step4.6.body":"<strong>Laktawan para sa revolving debt (hindi nagtatapos ang credit card).</strong> Para sa installment loan, ang paglista ng bilang ng natitirang bayad ay nagbibigay-daan sa lender na <strong>ibukod sa DTI ang mga utang na may &lt;10 buwan na natitira</strong>. Sulit punan kung halos bayad na ang car loan mo.","r4tour.step4.6.ask":"Bibilangin pa ba ang car loan ko kung 6 na bayad na lang ang natitira?","r4tour.step4.7.title":"Babayaran ba ito nang buo bago mag-closing?","r4tour.step4.7.body":"Lagyan ng check ito para <strong>ibukod ang utang na ito sa DTI</strong>. Hihingi ang lender ng patunay ng pagbabayad bago mag-closing (canceled check, zero-balance statement). Estratehiko ito kung masikip ang DTI mo — ang pagbabayad ng $300/buwan na card ay maaaring makatipid sa iyo ng $90K na borrowing power.","r4tour.step4.7.ask":"Makakatulong ba sa akin na maka-qualify sa mas malaking loan ang pagbabayad ng credit card na ito bago mag-closing?","r4tour.step4.8.title":"Resubordinated (opsyonal)","r4tour.step4.8.body":"<strong>Laktawan — bihira ito at sasabihin sa iyo ng lender kung naaangkop.</strong> Ang resubordinated ay nangangahulugang ang iyong umiiral na 2nd-position lien (HELOC, piggyback 2n

1d) ay inililipat pabalik sa pangalawang posisyon sa likod ng bagong unang mortgage. Ibinubukod ng lender sa DTI ang resubordinated na utang.","r4tour.step4.8.ask":'Ano ang ibig sabihin ng "resubordinated" at malalaman ko ba kung naaangkop ito sa akin?',"r4tour.step4.9.title":"Ang hindi nakikita ng credit bureau","r4tour.step4.9.body":"Nakikita ng mga bureau ang karamihan ng tradeline, pero hindi nila nakikita ang: <strong>mga utang sa pamilya, IRS payment plan, child support, alimony, private student loan na hindi pa nire-report</strong>. I-click ang <strong>Add Liability</strong> para sa bawat isa — bibilangin lahat ng ito sa DTI kahit hindi makita sa credit report.","r4tour.step4.9.ask":"May utang ako sa kapatid ko na $10K — kailangan ko bang ideklara iyon sa mortgage application?","r4tour.step5.0.title":"Kung saan matatagpuan ang property na ito","r4tour.step5.0.body":"Buong address ng property — kalye, lungsod, estado, zip. <strong>Hindi</strong> ito ang property na pinopondohan mo sa loan na ito — nasa susunod na hakbang iyon. Ilista ang bawat ibang property na pag-aari mo.","r4tour.step5.0.ask":"Ililista ko ba ang mga property na pinagsasaluhan ko s

1a iba?","r4tour.step5.1.title":"Kung magkano ang halaga nito ngayon","r4tour.step5.1.body":"Ang pinakamahusay mong tantya sa kasalukuyang halaga sa merkado (hindi ang binayaran mo). Tingnan ang Zillow/Redfin Zestimate o kamakailang comparable sales bilang panimula — kukumpirmahin ng lender gamit ang appraisal kung kailangan.","r4tour.step5.1.ask":"Paano ko tatantyahin ang halaga ng aking rental na ari-arian?","r4tour.step5.2.title":"Itatago, ibebenta, o pending?","r4tour.step5.2.body":"<strong>Retained</strong> = itinatago mo. <strong>Pending</strong> = nasa escrow na ang benta pero hindi pa nasasara. <strong>Sold</strong> = sarado na. Nagbabago ang kompyutasyon kada status — ang pagbebenta ay inaalis ang mortgage sa iyong DTI; ang pagtatago ay idinadagdag ito.","r4tour.step5.2.ask":"Naka-listing ang luma kong condo pero wala pang kontrata — retained ba o pending iyon?","r4tour.step5.3.title":"Paano ito ginagamit","r4tour.step5.3.body":"<strong>Primary</strong> = doon ka nakatira buong taon. <strong>Second Home</strong> = bahay-bakasyunan na binibisita mo. <strong>Investment</strong> = pinaparenta o bakante para iparenta. Iba-iba ang patakaran sa buwis at insurance; ito-cross-check ng lender sa iyong tax returns.","r4tour.step5.3.ask":"Maraming taon akong nanirahan sa luma kong bahay at ngayon ay pinaparenta ko na — anong occupancy ang pipiliin ko?","r4tour.step5.4.title":"Mga gastos sa pagmamay-ari","r4tour.step5.4.body":"Buwanang property tax + homeowners insurance + HOA dues pinagsama. Mabibilang ito laban sa iyo sa DTI kung itatago mo ang ari-arian. Kahit ang mga bayad na ari-arian ay may ganitong mga gastos.","r4tour.step5.4.ask":"Taunan ang bill ng aking property tax — paano ko makukuha ang buwanang numero?","r4tour.step5.5.title":"Kita sa upa (kung mayroon)","r4tour.step5.5.body":"<strong>Laktawan kung nakatira ka sa ari-arian na ito o bakante ito.</strong> Kung pinaparenta mo, ang gross monthly rent dito ay maaaring <strong>makatulong sa iyong maka-qualify</strong> — binibilang ng lender ang <strong>75% ng gross rent</strong> bilang kita (ang 25% na binawas ay para sa bakanteng panahon + maintenance). Kailangan ng pirmadong lease o 2 taong Schedule E.","r4tour.step5.5.ask":"Pinaparenta ko ang basement ko sa Airbnb — kabilang ba iyon sa kita sa upa?","r4tour.step5.6.title":"Magdagdag ng mortgage sa ari-arian na ito (opsyonal)","r4tour.step5.6.body":"<strong>Laktawan kung bayad na ang ari-arian.</strong> Kung hindi, i-click ang <strong>Add Mortgage</strong> para itala ang loan na nakasanla sa ARI-ARIANG ITO (hindi ang bagong inaaplayan mo). Mahalaga 

1ito sa DTI — idinadagdag ng lender ang bayad na ito sa iyong mga obligasyon.","r4tour.step5.6.ask":"May HELOC ako sa ari-arian na ito — hiwalay ba itong entry?","r4tour.step5.6.action.primary":"Magdagdag ng mortgage","r4tour.step5.6.action.secondary":"Laktawan — bayad na","r4tour.step5.7.title":"Magdagdag ng ibang ari-arian (opsyonal)","r4tour.step5.7.body":"<strong>Laktawan kung wala kang ibang ari-arian.</strong> Kung mahigit sa isa ang pag-aari mo, i-click ang <strong>Add Another Property</strong> para sa bawat isa. Kahit ang mga bayad na ari-arian ay mahalaga — nakikita ito ng lender sa mga title record at gusto ng paliwanag para sa anumang nawawala.","r4tour.step5.7.ask":"May minana akong ari-arian mula sa aking mga lolo't lola — kailangan ko bang ilista ito?","r4tour.step5.7.action.primary":"Magdagdag ng ibang ari-arian","r4tour.step5.7.action.secondary":"Laktawan — wala nang ibang ari-arian","r4tour.step6.0.title":"Magkano ang gusto mong hiramin","r4tour.step6.0.body":"Ang halaga ng utang (hindi ang presyo ng pagbili). Para sa isang $500K na bahay na may 20% na paunang bayad, ilalagay mo ang <strong>$400,000</strong>. Ang conforming limit sa karamihan ng mga county ay $766,550 (2024) — lampas doon ay nasa jumbo territory ka na na may mas mahihigpit na kinakailangan.","r4tour.step6.0.ask":"Ano ang pagkakaiba ng halaga ng utang at ng presyo ng pagbili?","r4tour.step6.1.title":"Kung magkano sa tingin mo ang halaga ng bahay","r4tour.step6.1.body":"Para sa pagbili, ito ang iyong <strong>presyo ng alok</strong>. Para sa refinance, ang iyong pinakamabuting tantiya ng kasalukuyang halaga sa merkado. Mag-uutos ang nagpapautang ng appraisal para kumpirmahin ito — kung mas mababa ang lumabas, maaaring kailangan mong magdala ng mas maraming cash sa closing.","r4tour.step6.1.ask":"Ano ang mangyayari kung mas mababa ang appraisal kaysa sa aking alok?","r4tour.step6.2.title":"Bumibili o nagri-refinance?","r4tour.step6.2.body":"Piliin ang <strong>Pagbili</strong> kung bumibili ka ng bagong bahay. Piliin ang <strong>Refinance</strong> kung pag-aari mo na ang ari-arian na ito at gusto mong palitan ang umiiral na mortgage — may iba't ibang uri ang refi (rate-and-term na nagpapababa ng iyong bayad, cash-out na nagpapahintulot sa iyong kunin ang equity).","r4tour.step6.2.ask":"Ano ang cash-out refinance at kailan ito makabuluhan?","r4tour.step6.3.title":"Uri ng ari-arian","r4tour.step6.3.body":"<strong>Single Family</strong> = nakatayong mag-isang bahay. <strong>Condo</strong> = unit sa loob ng gusali (susuriin ng nagpapautang ang condo project). <strong>Townhouse</strong> = magkadikit ngunit pag-aari mo ang lupa. <strong>Multi-Family</strong> = 2–4 na unit. <strong>Iba pa</strong> = anumang hindi pangkaraniwan (bihira).","r4tour.step6.3.ask":"Bumibili ako ng duplex at titira sa isang unit — anong uri ng ari-arian iyon?","r4tour.step6.4.title":"Paano mo ito gagamitin","r4tour.step6.4.body":"<strong>Pangunahing tirahan</strong> — pinakamahusay na rate, pinakamababang paunang bayad (3.5% FHA, 5% conventional). Walang naunang napili. Palitan sa Second Home kung vacation property ito (~10% paunang bayad na minimum) o Investment Property kung paparenta mo ito (<strong>25% paunang bayad + ~0.75% na mas mataas na rate</strong>). Bini-verify ng nagpapautang sa pamamagitan ng residency check pagkatapos ng closing.","r4tour.step6.4.ask":"Puwede ba akong makakuha ng primary-residence loan kung balak ko itong iparenta sa susunod na taon?","r4tour.step6.5.title":"Kalye at lungsod ng ari-arian","r4tour.step6.5.body":"Address ng kalye at lungsod ng bahay na pinopondohan mo. Para sa bagong konstruksyon na wala pang tapos na address, gamitin ang parcel description mula sa iyong kontrata ng pagbili.","r4tour.step6.5.ask":"Bumibili ako ng bagong konstruksyon na wala pang numero ng kalye — ano ang ilalagay ko?","r4tour.step6.6.title":"Estado at ZIP","r4tour.step6.6.body":"State at ZIP code ng subject property. Gamitin ang 5-digit na ZIP — awtomatikong tutukuyin ng Unified Loan System ang county + tract para sa HMDA + flood zone lookups.","r4tour.step6.6.ask":"Bakit mahalaga ang ZIP code ko para sa loan?","r4tour.step6.7.title":"Insight sa property — tinatayang halaga","r4tour.step6.7.body":"Kapag nailagay na ang address mo, kinukuha ng Unified Loan System ang <strong>

1public records</strong> para sa property — kasama ang <strong>tinatayang halaga</strong> (tulad ng Zestimate) plus ang laki ng lote, taon ng pagkakagawa, beds/baths, at huling benta. Kinukumpara namin ito sa iyong <strong>loan amount + purchase price</strong> para manatiling makatuwiran ang LTV sa mga susunod na rate lock.","r4tour.step6.7.ask":"Saan nanggagaling ang property data na ito at gaano ito katumpak?","r4tour.step6.8.title":"Taunang property tax + HOA","r4tour.step6.8.body":"Dalawang gastos na binibilang laban sa iyong DTI: ang <strong>taunang property tax</strong> (mula sa county) at ang <strong>HOA dues</strong> (tinatantya mula sa mga comps sa iyong ZIP). Isinasama ng mga lender ang dalawang ito sa iyong buwanang bayad. Kung mas mataas ang totoong HOA mo kaysa sa tinantya, mas hihigpit ang DTI mo, kaya laging <strong>kumpirmahin ang HOA sa closing</strong>.","r4tour.step6.8.ask":"Paano nakakaapekto ang property tax + HOA sa aking qualifying DTI?","r4tour.step6.9.title":"Kamakailang naibenta sa malapit","r4tour.step6.9.body":"Ito ay <strong>tunay na kamakailang mga benta</strong> sa loob ng ~0.5 milya mula sa address mo — pareho ng tier sa beds/baths/sqft kung saan kami makakatugma. Ginagamit ng mga lender ang comps na ganito para <strong>i-back-test ang appraisal</strong>. Kung mas mataas nang husto ang purchase price mo kaysa sa mga local comps, asahan ang pushback sa appraisal.","r4tour.step6.9.ask":"Saan nanggagaling ang mga comps na ito at paano kung hindi tumugma ang appraisal ko?","r4tour.step6.10.title":"May negosyo ba rito?","r4tour.step6.10.body":"<strong>Laktawan kung purong residential ang property mo.</strong> I-check lang ito kung may bahaging commercially zoned ang property (hal., tindahan sa baba at apartment sa itaas). Hindi kasama ang pagtatrabaho mula sa home office. Ang mixed-use na loan ay nangangailangan ng <strong>espesyal na programa</strong> at mas mahigpit na underwriting.","r4tour.step6.10.ask":"Nagtatrabaho ako mula sa bahay — ginagawa ba nitong mixed-use ito?","r4tour.step6.11.title":"Manufactured / mobile home ba?","r4tour.step6.11.body":"<strong>Laktawan kung bibili ka ng tradisyonal na on-site na ginawang bahay.</strong> I-check lang para sa factory-built na manufactured/mobile homes (HINDI modular — gawa rin sa pabrika ang mga iyon pero nasa permanenteng pundasyon at itinuturing na tradisyonal). Ang manufactured homes ay nangangailangan ng <strong>espesipikong loan program</strong> (FHA Title I/II, Freddie ChoiceHome).","r4tour.step6.11.ask":"Paano ko malalaman kung manufactured o modular ang isang bahay?","r4tour.step6.12.title":"First-time homebuyer ka ba?","r4tour.step6.12.body":"<strong>Laktawan kung nagmay-ari ka ng primary home sa nakalipas na 3 taon.</strong> I-check kung hindi — generous ang first-time-buyer status (3 taon lang mula sa huling primary home) at nagbubukas ng <strong>down-payment assistance programs + reduced PMI</strong> sa conventional loans. Sulit itong mahuli.","r4tour.step6.12.ask":"Nagkaroon ako ng bahay 10 taon na ang nakalipas — first-time homebuyer pa rin ba ako?","r4tour.step6.13.title":"May iba pang loan ba sa parehong property?","r4tour.step6.13.body":"<strong>Karamihan sa mga borrower ay iniiwan itong $0.</strong> Maglagay ng halaga lamang kung gagawa ka ng <strong>piggyback na pangalawang mortgage</strong> (pangalawang loan para iwasan ang PMI sa una), o may umiiral ka nang HELOC sa property na ini-refinance mo.","r4tour.step6.13.ask":"Ano ang piggyback loan at bakit ko ito kakailanganin?","r4tour.step6.14.title":"Inaasahang upa mula sa property na ito","r4tour.step6.14.body":"<strong>Laktawan kung hindi Investment Property ang occupancy.</strong> Kung oo, mahalaga ito: ibinibilang ng lender ang <strong>75% ng tinatayang gross rent</strong> bilang offsetting na kita (ang 25% na binabawas ay para sa vacancy at maintenance) — maaaring ito ang pagkakaiba ng pagiging kuwalipikado o hindi.","r4tour.step6.14.ask":"Paano ako tinutulungan ng rental income na maging kuwalipikado sa isang investment property?","r4tour.step6.15.title":"Buwanang HOA dues","r4tour.step6.15.body":"<strong>Laktawan kung walang HOA ang property.</strong> Kung mayroon, ang buwanang dues ay idinaragdag sa iyong housing payment (PITI + HOA) at nakakaapekto sa DTI. Hanapin ang halaga sa property listing o sa seller disclosure — kung hindi sigurado, iwanang blang

1ko at kukumpirmahin ito ng broker.","r4tour.step6.15.ask":"May special assessments ang condo ko bukod sa regular na HOA dues — ano ang ilalagay ko?","r4tour.step7.0.title":"Dito ka ba titira?","r4tour.step7.0.body":"Ang pagsabi ng Oo = loan para sa primary residence (pinakamagandang rate, pinakamababang down payment). Ang pagsabi ng Hindi = investment o second home (mas mataas na rate, mas malaking down). Bini-verify ito ng lender sa pamamagitan ng occupancy check pagkatapos ng closing; ang pagsisinungaling dito ay <strong>occupancy fraud</strong>.","r4tour.step7.0.ask":"Balak kong lumipat doon balang araw pero pauupahan ko muna ito ng isang taon — ano ang isasagot ko?","r4tour.step7.1.title":"Personal mo bang kakilala ang nagbebenta?","r4tour.step7.1.body":'Ang isang miyembro ng pamilya, business partner, o malapit na kaugnayan sa nagbebenta ay ginagawa itong <strong>non-arm’s-length transaction</strong>. Kailangan ng lender ng karagdagang pagsusuri sa appraisal at isang "gift of equity" na liham kung binibigyan ka ng diskwento ng nagbebenta.',"r4tour.step7.1.ask":"Bibilhin ko ang bahay ng aking mga magulang nang may diskwento — naaapektuhan ba nito ang loan?","r4tour.step7.2.title":"May hinihiram ka bang pera na hindi mo pa sinasabi sa amin?","r4tour.step7.2.body":'Nahuhuli nito ang <strong>hindi-ibinunyag na mga loan para sa down payment</strong> mula sa pamilya, seller credits, "utang sa kaibigan," at iba pa. Muling bini-verify ng title at lender ang mga pinagkukunan ng pera bago ang closing. Ang "hindi" na dapat ay "oo" ay maaaring magbawi ng loan pagkatapos ng closing.',"r4tour.step7.2.ask":"Puwede bang ipahiram ng aking mga magulang ang down payment nang hindi ibinubunyag?","r4tour.step7.3.title":"Nag-a-apply ka rin ba ng ibang mortgage?","r4tour.step7.3.body":"Kung nag-a-apply ka ng pangalawang mortgage kahit saan bago mag-close ito, sabihin mong oo. Ipinapatong ng mga lender ang mga bayarin sa iyong <strong>DTI</strong>, kahit na hindi pa nakapag-fund ang kabilang loan. Ang pagtatago nito ay lalabas sa credit refresh bago ang closing.","r4tour.step7.3.ask":"Pre-approved ako sa dalawang lender — kailangan ko bang ibunyag ang dalawa?","r4tour.step7.4.title":"Magbubukas ka ba ng bagong credit bago ang closing?","r4tour.step7.4.body":"<strong>Muling kinukuha ng mga lender ang credit mo ilang araw bago mag-closing</strong>. Ang pagbukas ng bagong credit card, pag-finance ng sofa, o pag-apply ng car loan sa panahong iyon ay maaaring magpababa ng iyong score at muling mag-trigger ng underwriting. Ang pinakamadaling sagot: huwag magbukas ng bagong credit sa pagitan ng application at closing.","r4tour.step7.4.ask":"Kailangan ko ng bagong kotse ngayon — dapat ba akong maghintay hanggang matapos ang closing?","r4tour.step7.5.title":"May priority lien ba sa property na ito?","r4tour.step7.5.body":"Ang priority lien = isang bagay 

1na nauuna sa iyong bagong mortgage sa titulo (tax lien, mechanics lien, HOA assessment, PACE loan). Dapat itong maayos bago mag-closing. Karamihan sa mga borrower ay sumasagot ng Hindi.","r4tour.step7.5.ask":"Ano ang PACE loan at paano ko malalaman kung mayroon ang property na ito?","r4tour.step7.6.title":"Co-signer ka ba sa loan ng ibang tao?","r4tour.step7.6.body":"Kung nag-co-sign ka sa student loan ng anak o car loan ng kapatid, may pananagutan ka kahit hindi ikaw ang nagbabayad. Binibilang itong <strong>contingent liability</strong> sa DTI maliban na lang kung mapapatunayan mong nakabayad nang on-time ang pangunahing borrower sa loob ng 12 buwan.","r4tour.step7.6.ask":"Nag-co-sign ako sa student loans ng anak kong babae — nakakasama ba ito sa mortgage ko?","r4tour.step7.7.title":"May natitirang judgment ka ba?","r4tour.step7.7.body":"Ang judgment = inutusan ka ng korte na magbayad ng isang bagay (small-claims, balance ng divorce settlement, atbp.). Ang mga hindi pa nababayarang judgment ay kadalasang kailangang bayaran bago mag-closing. Pampubliko ang mga rekord ng civil court; mahahanap ito ng lender.","r4tour.step7.7.ask":"May small-claims judgment ako mula noong nakaraang mga taon — kailangan ko bang bayaran ito?","r4tour.step7.8.title":"May atraso ka ba sa anumang federal na utang?","r4tour.step7.8.body":"<strong>Auto-decline trigger</strong> para sa karamihan ng mga loan program. Mga federal student loan na naka-default, IRS back taxes na walang payment plan, child support arrears, naka-default na federal small-business loan. Pumasok muna sa isang dokumentadong payment plan.","r4tour.step7.8.ask":"Nasa income-driven repayment plan ako para sa student loans — delingkwente ba ako?","r4tour.step7.9.title":"Nasangkot ka ba sa anumang demanda kung saan posibleng may utang ka?","r4tour.step7.9.body":"Aktibong civil suit kung saan ikaw ang defendant at posibleng may pananagutan ka sa pera. Hindi kasama ang divorce maliban kung may natitirang pinagtatalunang isyu sa pera. Hindi binibilang ang pag-demanda mo sa iba (bilang plaintiff).","r4tour.step7.9.ask":"Nasa divorce ako — binibilang ba iyon bilang lawsuit sa form na ito?","r4tour.step7.10.title":"May property ka bang nawala dahil sa foreclosure sa loob ng 7 taon?","r4tour.step7.10.body":"Kasama ang deed-in-lieu of foreclosure, short sale, at tradisyonal na foreclosure. Karamihan sa mga loan program ay nangangailangan ng <strong>7 taon</strong> mula sa pangyayari (mas maikli kung may dokumentadong extenuating circumstances tulad ng medical hardship).","r4tour.step7.10.ask":"Nag-short sale ako 5 taon na ang nakalipas — makakakuha pa ba ako ng mortgage?","r4tour.step7.11.title":"Nag-file ka ba ng bankruptcy sa loob ng 7 taon?","r4tour.step7.11.body":"Kasama ang Chapter 7, 11, 12, 13. <strong>Kung oo, itatanong namin kung aling chapter.</strong> Iba-iba ang waiting period: Chapter 7 = 4 na taon (FHA: 2). Chapter 13 = 2 taon mula sa discharge, o 1 taon ng natapos na pagbabayad + pag-apruba ng korte.","r4tour.step7.11.ask":"Nag-file ako ng Chapter 13 tatlong taon na ang nakalipas at discharged na — kuwalipikado ba ako?","r4tour.step7.12.title":"Ipaliwanag ang anumang sagot na Oo","r4tour.step7.12.body":"<strong>Laktawan kung Hindi ang sagot mo sa lahat.</strong> Kung Oo ang sagot mo sa alinmang deklarasyon, <strong>mariing inirerekomenda</strong> na idraft ang iyong paliwanag dito — ilang pangungusap kada item: ano ang nangyari, kailan, kasalukuyang status (bayad na / nasa payment plan / nakabinbin). Kakailanganin pa rin ng lender ang pormal na letter of explanation; nagbibigay ng simula ang draft na ito.","r4tour.step7.12.ask":"Gaano kadetalyado dapat ang aking letter of explanation?","r4tour.step8.0.title":"Mga Pagkilala at Kasunduan","r4tour.step8.0.body":"Ito ang <strong>legal na pagkamayan</strong> bago isumite ang iyong aplikasyon. Anim na numberadong punto: (1) totoo ang impormasyong ibinigay mo, (2) ang ari-arian ang nagseseguro sa utang, (3) para sa lender ang appraisal, (4) sumasang-ayon kang mag-e-sign, (5) nakakaapekto sa iyong credit ang late na bayad, (6) pinapahintulutan mo ang lender na i-verify ang iyong impormasyon. Basahin ang bawat isa, pagkatapos i-check ang kahon sa ibaba para magpatuloy. Ang pagsisinungaling sa mortgage application ay federal na krimen (18 U.S.C. \xa7 1014), kaya maglaan ng oras.","r4tour.step8.0.ask":"Ano talaga ang sinasang-ayunan ko kapag chineck ko ang kahon na ito?","r4tour.step9.0.title":"Naglingkod ka ba (o ang yumao mong asawa) s

1a militar?","r4tour.step9.0.body":"Ang mga beterano at active-duty na miyembro ng serbisyo ay kuwalipikado para sa <strong>VA loan</strong> na may $0 down payment, walang PMI, at mapagkumpitensyang rate. Kahit isang araw na kuwalipikadong serbisyo ay binibilang. Kuwalipikado rin ang mga nabubuhay na asawa ng mga miyembro ng serbisyo na namatay habang naglilingkod.","r4tour.step9.0.ask":"Naglingkod ako ng 2 taon sa National Guard — kuwalipikado ba ako para sa VA loan?","r4tour.step9.1.title":"Kasalukuyan ka bang nasa active duty?","r4tour.step9.1.body":"I-check ito kung kasalukuyan kang naglilingkod — <strong>pinapalakas</strong> nito ang VA loan eligibility, at kakailanganin ng lender ang kasalukuyang Statement of Service bukod sa iyong DD-214.","r4tour.step9.1.ask":"Kailangan ko ba ang DD-214 ko kung nasa active duty pa ako?","r4tour.step9.2.title":"Nabubuhay na asawa ka ba ng isang miyembro ng serbisyo?","r4tour.step9.2.body":"Kung namatay ang iyong asawa habang naglilingkod o dahil sa service-connected na disability, maaari mong gamitin ang kanilang VA benefit — kailangan ng espesyal na VA Certificate of Eligibility para sa mga nabubuhay na asawa. Matutulungan ka ng iyong broker na mag-apply.","r4tour.step9.2.ask":"Paano ako makakakuha ng VA Certificate of Eligibility bilang nabubuhay na asawa?","r4tour.step9.3.title":"Bakit namin tinatanong ang demographics","r4tour.step9.3.body":"Iniaatas ng pederal na batas (<strong>HMDA</strong>, Home Mortgage Disclosure Act) na magtanong ang mga lender. <strong>Opsyonal ang pagsagot</strong> — hindi makakaapekto ang pagtanggi sa iyong aplikasyon, rate, o tsansa ng pag-apruba. Iniuulat ang data nang sama-sama para subaybayan ang fair-lending compliance, hindi kailanman ginagamit para magdesisyon sa iyong utang.","r4tour.step9.3.ask":"Bakit tinatanong ng mga mortgage application ang aking lahi at etnisidad?","r4tour.step9.4.title":"Etnisidad","r4tour.step9.4.body":"Pumili ng isa: <em>Hispanic o Latino</em>, <em>Hindi Hispanic o Latino</em>, o <em>Ayaw kong magbigay</em>. Kung pipiliin mo ang Hispanic o Latino, tatanungin ka kung alin (Mexican, Puerto Rican, Cuban, o Iba pang Hispanic).","r4tour.step9.4.ask":"Paano ko sasagutin ang etnisidad kung halu-halo ang aking pinagmulan?","r4tour.step9.5.title":"Kasarian","r4tour.step9.5.body":'Tatlong pagpipilian: Lalaki, Babae, o "Ayaw kong magbigay." Sa ilalim ng pederal na kahulugan para sa layuning HMDA, ito ang kasariang itinakda noong kapanganakan — hindi pahayag ng kinikilalang kasarian.',"r4tour.step9.5.ask":"Paano kung iba ang kinikilala kong kasarian sa kasariang itinakda noong kapanganakan?","r4tour.step9.6.title":"Lahi","r4tour.step9.6.body":'<strong>

1Lagyan ng check lahat ng naaangkop.</strong> May mga kategoryang may sub-option (Asyano → Tsino/Hapon/Koreano/atbp.; Pacific Islander → Katutubong Hawaiian/Samoan/atbp.). Ang American Indian o Alaska Native ay humihingi ng pangalan ng tribo. May opsyon ding "Ayaw kong magbigay".',"r4tour.step9.6.ask":"Multiracial ako — lalagyan ko ba ng check ang higit sa isang kahon?","r4tour.step9.7.title":"Ano ang ginagawa namin sa datos na ito","r4tour.step9.7.body":"Nagsusumite ang mga nagpapautang ng pinagsama-samang datos ng HMDA taun-taon sa CFPB. Sinusubaybayan ng datos ang <strong>mga pattern ng patas na pagpapautang</strong> — mas madalas bang tinatanggihan ang isang grupo, nakakakuha ba ng mas masamang rate, atbp. Ginagamit ito ng CFPB at mga mamamahayag para matukoy ang diskriminasyon. Hindi kailanman inilalathala ang iyong indibidwal na mga sagot.","r4tour.step9.7.ask":"Saan ko makikita ang datos ng HMDA pagkatapos magsara ng aking loan?","r4tour.step10.0.title":"Pahintulot sa E-Sign","r4tour.step10.0.body":"Sumasang-ayon kang tumanggap ng mga disclosure at pumirma ng mga dokumento ng loan nang <strong>elektroniko</strong> sa halip na nasa papel. Sa ilalim ng <em>E-Sign Act</em>, legal na katumbas ang mga e-signature. Maaari mo itong bawiin anumang oras — ngunit ang huli nang pagbawi ay maaaring magpaantala sa pagsasara.","r4tour.step10.0.ask":"Ano ang aktuwal na epekto sa aplikasyon ko ng pagbawi ng pahintulot sa e-sign?","r4tour.step10.1.title":"Awtorisasyon sa Kredito","r4tour.step10.1.body":"Pinapayagan mo ang iyong broker na kumuha ng credit report sa pamamagitan ng wholesale lender. Karaniwang isang <strong>hard pull</strong> ito sa yugtong ito (ang soft pull ay para sa naunang pre-fill ng mga utang). Nababawasan ng hard pull ang iyong iskor ng 3–5 puntos sa loob ng ~12 buwan, ngunit ang maraming mortgage inquiry sa loob ng <strong>14 araw</strong> ay binibilang na isa.","r4tour.step10.1.ask":"Ano ang pagkakaiba ng soft pull at hard pull sa aking kredito?","r4tour.step10.2.title":"Mga Tuntunin ng Serbisyo","r4tour.step10.2.body":"Pinatutunayan mong totoo ang impormasyong ibinigay mo at sumasang-ayon sa Mga Tuntunin ng Serbisyo + Patakaran sa Privacy ng platform. Nasa footer ang link ng Mga Tuntunin; basahin ito minsan kung hindi mo pa nababasa.","r4tour.step10.2.ask":"Saan ko makikita ang kumpletong Mga Tuntunin ng Serbisyo?","r4tour.step10.3.title":"Opsyonal na Mga Abiso sa SMS","r4tour.step10.3.body":"<strong>Laktawan ito kung mas gusto mong email lang ang matanggap.</strong> Tatlong opsyonal na kategorya: <em>Seguridad at pagpapatunay</em> (mga 2FA code), <em>Status ng loan at mga update sa operasyon</em> (mga abiso sa status), at <em>Mga paalala sa dokumento, closing at e-sign</em>. Mag-check ng kahit anong kombinasyon — wala sa mga ito ang kinakailangan. Maaaring may bayad sa mensahe at data. Mag-reply ng <strong>STOP</strong> para mag-opt out anumang oras.","r4tour.step10.3.ask":"Kung i-check ko ang mga ito, makakatanggap ba ako ng marketing na text, o status update lang?","r4tour.cfg.dashboard.0.title":"Maligayang pagdating sa mission control","r4tour.cfg.dashboard.0.body":'<p class="vt-summary">Ito ang iyong dashboard — ang nag-iisang lugar para subaybayan ang lahat tungkol sa iyong loan mula aplikasyon hanggang sa makahawak ka ng susi.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ano ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Live na status ng loan</strong><span>Yugto, ngayon vs. inaasahan, kasalukuyang hadlang</span></li><li><strong>Mga bukas na kahilingan</strong><span>Lahat ng kailangan namin sa iyo, pinakaluma muna</span></li><li><strong>Progreso ng vendor</strong><span>Anim na lane (credit, appraisal, title…) na may mga ETA</span></li><li><strong>Document hub</strong><span>Mag-upload, subaybayan at i-verify ang lahat sa isang lugar</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Una naming itatampok ang bawat bahagi ng page na ito, pagkatapos ay lilibutin natin ang ibang bahagi ng site (mga rate, calculator, aplikasyon, dokumento, opsyon, settings).</span>\n        </div>\n        <p class="vt-next-hint">I-click ang <strong>Susunod</strong> para makita ang panel ng status ng iyong loan.</p>',"r4tour.cfg.dashboard.1.title":"Ang status ng iyong loan","r4tour.cfg.dashboard.1.body":'<p class="vt-summary">Isang card, buong larawan — nasaan na ang loan mo, sino ang nagpapabagal, at gaano ka kasabay sa iskedyul.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ano ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Progress ring</strong><span>Porsyento na tapos sa 8 milestone</span></li><li><strong>Timeline bar</strong><span>Bawat yugto na may naabot / aktibo / paparating na status</span></li><li><strong>Mga marka ng bilis</strong><span>Pula = karaniwan. Amber = kung nasaan KA.</span></li><li><strong>Mga count tile</strong><span>Tingnang mabuti ang in-progress / kumpleto / kailangan ng atensyon</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.2.title":"Loan health score","r4tour.cfg.dashboard.2.body":'<p class="vt-summary">Mabilis na sulyap kung kumusta ang file mo — score mula 100, kasama ang tono ng band (on-track, kailangan ng atensyon, o kailangan ng aksyon) at 

1kung ano ang nagpapababa ng score.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Kung makita mong "kailangan ng atensyon," ang pinakamabilis mong panalo ay kadalasang ang pag-aayos ng pinakalumang bukas na kahilingan — ang mga iyon ay tumatanda hanggang maging "overdue" at siyang #1 dahilan kung bakit hindi naaabot ng mga loan ang close date nila.</span>\n        </div>',"r4tour.cfg.dashboard.3.title":"Ang iyong loan officer","r4tour.cfg.dashboard.3.body":'<p class="vt-summary">Tiyakin na ito ang LO na katrabaho mo. Sila ang direktang kontak mo para sa anumang kailangan ng tao — mga rate, scenario, kondisyon, mga kakaibang sitwasyon.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Kung mukhang mali ang pangalan o detalye ng kontak, mag-message sa amin gamit ang chat button sa ibaba ng dashboard at muli naming itatalaga.</span>\n        </div>',"r4tour.cfg.dashboard.4.title":"Magdagdag ng co-borrower","r4tour.cfg.dashboard.4.body":'<p class="vt-summary">Bumibili o nag-re-refinance kasama ang asawa o partner? Imbitahan sila rito. Makakatanggap sila ng email na may secure na link para punan ang sarili nilang kalahati ng 1003 — hindi kailangang ibahagi ang iyong login.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ano ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Imbitasyon sa email</strong><span>Agad na ipinadadala, mag-e-expire ang link pagkatapos ng 7 araw</span></li><li><strong>Sariling login nila</strong><span>Mag-si-sign in sila gamit ang email nila + password na pipiliin nila</span></li><li><strong>Ikaw ang may kontrol</strong><span>Makikita mo ang status nila, muling ipadala ang imbitasyon, o bawiin ang access</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.5.title":"At ang Stages view","r4tour.cfg.dashboard.5.body":'<p class="vt-summary">Iisang loan, isang phase sa bawat sandali. Mag-swipe (o tap) sa pagitan ng Aplikasyon → Pricing → Processing → Underwriting → Conditions → Clear to Close para makita kung ano ang nangyayari + ano ang inaasahan sa bawat hakbang.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Kakatapos lang naming patakbuhin ang buong sequence kaya nakita mo na ang lahat ng anim. Ngayon ay magpahinga tayo sa dalawang yugto na pinakamaraming trabaho mula sa iyo: pricing at processing.</span>\n        </div>',"r4tour.cfg.dashboard.6.title":"Pricing — ang pinakamagandang rate mo, live","r4tour.cfg.dashboard.6.body":'<p class="vt-summary">Kapag nakapasok na ang aplikasyon mo, kinukuha namin ang live na pricing mula sa bawat wholesale lender sa network ng iyong broker at ipinapakita ang nag-iisang pinakaangkop na opsyon para sa sitwasyon mo. Read-only lang dito; ang pag-lock ay nangyayari sa panig ng broker.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ano ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Best rate banner</strong><span>Ang pinaka-kompetitibong alok para sa file mo ngayon</span></li><li><strong>Buwanang P&I</strong><span>Principal + interes, kinuwenta mula sa rate na ito laban sa halaga ng loan mo</span></li><li><strong>Discount points</strong><span>Kung ang pinakamagandang presyo ay nasa par o may kasamang buy-down</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Nagbabago ang mga rate araw-araw — minsan sa loob mismo ng araw. Kung may makita kang gusto, mag-message sa loan officer mo tungkol sa pag-lock nito. Nire-refresh namin ang card na ito tuwing nag-a-update ang wholesale sheet.</span>\n        </div>',"r4tour.cfg.dashboard.7.title":"I-drag at i-drop ang iyong mga dokumento","r4tour.cfg.dashboard.7.body":'<p class="vt-summary">Ito ang puso ng processing. I-drop ang anumang dokumento kahit sa

1an sa zone na ito at awtomatikong ikinakategorya ito ng aming AI — ang paystub ay napupunta sa Income, ang bank statement sa Assets, ang purchase contract sa Property. Hindi mo na kailangang mag-label ng kahit ano.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ano ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Multi-file drop</strong><span>I-drag ang buong folder nang sabay-sabay — ina-ayos namin lahat</span></li><li><strong>Awtomatikong pagkilala</strong><span>Binabasa ng OCR ang bawat pahina at tinutukoy kung ano ito</span></li><li><strong>Gumagana ang upload mula sa telepono</strong><span>Kumuha ng larawan at i-drag ito mula sa iyong camera roll</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>DAPAT kasama ng bank statement ang bawat pahina (oo, kahit ang mga blangkong pahina sa dulo) — tinatanggihan ng lender ang hindi kumpletong statement. Bibigyan ka ng babala ng AI kung may makita itong hindi tugmang bilang ng pahina.</span>\n        </div>',"r4tour.cfg.dashboard.8.title":"Homeowner's insurance — asikasuhin AGAD","r4tour.cfg.dashboard.8.body":'<p class="vt-summary">Kailangan namin nang maaga ang contact info ng iyong homeowner\'s insurance agent para makahingi ang lender ng declarations page bago ma-clear ang underwriting. Ang kawalan nito ang pinakakaraniwang dahilan kung bakit hindi naaabot ng mga loan ang close date nila.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Kung wala ka pang agent, humingi ng rekomendasyon sa iyong loan officer — palagi silang nakikipagtrabaho sa mga carrier at kadalasang makakakuha sila ng kompetitibong quote para sa iyo sa loob ng isa o dalawang araw.</span>\n        </div>',"r4tour.cfg.dashboard.9.title":"Kailangan ng iyong atensyon","r4tour.cfg.dashboard.9.body":'<p class="vt-summary">Ito ang iyong action queue. Lahat ng nandito ay naghihintay sa IYO — kadalasan ay mga disclosure na kailangang pirmahan (Loan Estimate, Closing Disclosure, atbp.) o mga dokumentong minarkahan ng lender na kulang.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Asikasuhin muna ito sa tuwing dadating ka rito. Pinapahinto ng lender ang underwriting sa anumang file na may overdue na pirma.</span>\n        </div>',"r4tour.cfg.dashboard.10.title":"Bawat dokumentong hinihingi namin","r4tour.cfg.dashboard.10.body":'<p class="vt-summary">Sa ilalim ng action row, makikita mo ang mga column para sa bawat kategoryang kailangan namin: Identity, Income, Assets, Property, Disclosures. Bawat dokumento ay minarkahan na kumpleto na (berde) o naghihintay pa sa iyo (amber). Kailangan namin ang LAHAT ng mga ito bago magsimula ang underwriting.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Kung hindi ka sigurado kung ano ang ibig sabihin ng isang request (hal. "dalawang buwan na bank statement — lahat ng pahina"), i-tap ang dokumento at ipapakita namin ang mga simpleng halimbawa kung ano ang tumatanggap.</span>\n        </div>',"r4tour.cfg.dashboard.11.title":"Naipit? Magtanong sa isang tao.","r4tour.cfg.dashboard.11.body":'<p class="vt-summary">May mga dokumentong nakakalito sa iyo? Huwag itong patagalin — ang iyong loan officer o lisensyadong broker ay halos kayang sagutin ang anumang tanong sa isang mensahe lang.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Ang bilis ng pagtugon ang pinakamalaking palatandaan ng on-time na pagsasara. Ang mga borrower na tumutugon sa loob ng 4 na oras ay nagsasara nang ~9 araw na mas mabilis sa average kaysa sa mga tumutugon sa loob ng 48.</span>\n        </div>\n        <p class="vt-next-hint">I-click ang <strong>Next</strong> upang magpatuloy sa live na rates ngayong araw.</p>',"r4tour.cfg.rates.0.title":"Mga rate ng mortgage ngayong araw","r4tour.cfg.rates.0.body":'<p class="vt-summary">Mga rate sa wholesale-channel na ina-update araw-araw mula sa rate sheet ng iyong broker. Ito ang totoong mga numerong gagamitin sa pag-price ng iyong loan — hindi ang mga teaser rate na pang-marketing na nakikita mo sa Google.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ano ang magagawa mo dito</p>\n            <ul class="vt-features">\n                <li><strong>Pricing kada program</strong><span>Conventional, FHA, VA, USDA, jumbo, ARM</span></li><li><strong>Rate vs. APR</strong><span>Kasama sa APR ang mga bayarin + points, kaya ito ang mas totoong gastos</span></li><li><strong>Live na update</strong><span>Maaaring magbago ang rate nang dalawang beses sa isang araw kapag pabagu-bago ang market</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Ikumpara batay sa APR, hindi sa rate. Dalawang loan na may parehong 6.500% rate ay maaaring magkaiba ang APR — at ang loan na mas mataas ang APR ay mas magastos sa buong buhay ng loan.</span>\n        </div>',"r4tour.cfg.rates.1.title":"Ang talahanayan ng paghahambing ng rate","r4tour.cfg.rates.1.body":'<p class="vt-summary">Bawat row ay isang loan program. Bawat column ay isang bagay na dapat mong ikumpara bago pumili.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ano ang magagawa mo dito</p>\n            <ul class="vt-features">\n                <li><strong>Rate</strong><span>Ang interes na sinisingil sa balanse ng loan</span></li><li><strong>APR</strong><span>Rate + bayarin + points, ipinahahayag bilang iisang taunang %</span></li><li><strong>Points</strong><span>Opsyonal na upfront na bayad para ibaba ang iyong rate (1 pt = 1% ng halaga ng loan)</span></li><li><strong>Tinatayang buwanang P&I</strong><span>Principal + interes lang — taxes/insurance/HOA ay idinadagdag sa itaas</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">\n            <span class="vt-example-label">Halimbawa</span>\n            <span>Isang 30-yr fixed sa 6.875% na may 0 points vs. 6.500% na may 2 points: ang loan na may 2 points ay panalo lang kung itatago mo ito lampas sa break-even (~5-7 taon).</span>\n        </div>',"r4tour.cfg.rates.2.title":"Mag-set ng rate alert","r4tour.cfg.rates.2.body":'<p class="vt-summary">Sabihin mo sa amin ang iyong target rate at i-email ka namin sa sandaling bumaba rito ang anumang program. Walang araw-araw na ingay — ang notification lang na mahalaga.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Nakakakita ang mga broker ng libu-libong borrower na nagbabantay sa rate. Ang pag-set ng alert ang pinakatiyak na paraan para mahuli ang pagbaba nang hindi nakatitig sa page.</span>\n        </div>',"r4tour.cfg.rates.3.title":"I-lock ito kapag handa ka na","r4tour.cfg.rates.3.body":'<p class="vt-summary">Pinoprotektahan ka ng pag-lock ng rate mula sa pagtaas ng rate habang natatapos ang iyong file. Ang standard na lock period ay 15, 30, 45, o 60 araw.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ano ang magagawa mo dito</p>\n            <ul class="vt-features">\n                <li><strong>Masyadong maagang pag-lock</strong><span>Magbabayad ka ng re-lock fee kung lumampas ang iyong file sa lock</span></li><li><strong>Masyadong huling pag-lock</strong><span>Pasan mo ang anumang pagtaas ng rate sa pagitan ngayon at ng pagsasara</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Karamihan sa mga loan ay nila-lock 30-45 araw bago ang inaasahang pagsasara. Magrerekomenda ang iyong broker ng tiyak na window batay sa iyong file.</span>\n        </div>',"r4tour.cfg.rates.4.title":"Ekspertong payo — kausapin ang iyong LO","r4tour.cfg.rates.4.body":'<p class="vt-summary">Hindi masasabi ng mga rate table kung aling program ang talagang tama para sa iyong file. Kaya ng iyong loan officer — nakikita nila ang lahat ng constraint (DTI, LTV, occupancy, credit, reserves) nang sabay-sabay.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Pro tip</span>\n            <span>Kung nag-aalangan ka sa pagitan ng VA, FHA, conventional, o isang ARM, magpadala sa iyong LO ng isang mensaheng naglalarawan ng iyong mga layunin (pinakamababang bayad? pinakamaikling termino? cash out?) at ipapaliwanag nila sa iyo ang mga trade-off sa simpleng wika.</span>\n        </div>',"r4tour.cfg.rates.5.title":"Susunod: mga calculator","r4tour.cfg.rates.5.body":'<p class="vt-summary">Tatlong tool para magplano batay sa mga rate na katatapos mong makita.</p>\n        \n        \n        \n        <p class="vt-next-hint">I-click ang <strong>Next</strong> para pumunta roon.</p>',"r4tour.cfg.calculators.0.title":"Mga calculator ng mortgage","r4tour.cfg.calculators.0.body":'<p class="vt-summary">Tatlong mabilis na pagsusuri batay sa parehong math na ginagamit ng iyong loan officer. Baguhin ang anumang input at makikita mo agad na nag-a-update ang bawat kaugnay na numero.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ano ang magagawa mo dito</p>\n            <ul class="vt-features">\n                <li><strong>Buwanang Bayad</strong><span>Principal + interes + buwis + insurance + HOA (PITIA)</span></li><li><strong>Affordability</strong><span>Pinakamataas na presyo ng pagbili para sa iyong kita, utang, at down payment</span></li><li><strong>Refi ROI</strong><span>Break-even point sa isang rate-and-term refinance</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Pro tip</span>\n            <span>May glossary sa ibaba ng bawat calculator na nagpapaliwanag ng mga termino sa simpleng wika — kapaki-pakinabang kung nalilito ka sa "front-end DTI" o "LTV".</span>\n        </div>',"r4tour.cfg.calculators.1.title":"Magpalit ng tab sa itaas","r4tour.cfg.calculators.1.body":'<p class="vt-summary">Bawat calculator ay may sariling tab. Ang paliwanag sa itaas ng bawat tab ay nagsasabi kung ano ang kinakalkula nito at kung kailan ito gagamitin.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">Halimbawa</span>\n            <span>Gamitin ang Affordability bago ka mag-alok ("magkano ang kaya ko?"). Gamitin ang Buwanang Bayad pagkatapos ("magkano ang halaga ng bahay na ito?"). Gamitin ang Refi ROI para magpasya kung sulit bang i-refinance ang iyong kasalukuyang loan.</span>\n        </div>\n        \n        <p class="vt-next-hint">Susunod na hinto: ang 1003 application.</p>',"r4tour.cfg.apply.0.title":"Ang aplikasyon sa mortgage na 1003","r4tour.cfg.apply.0.body":'<p class="vt-summary">Ang Form 1003 ang standard na aplikasyon na ginagamit ng bawat lender sa U.S. Hinati namin ito sa 10 maiikling hakbang ng wizard para mapunan mo ito sa telepono mo nang isang upuan lang.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Impormasyon ng borrower, address, contact</strong><span>Hakbang 1 — ang mga basic mo + mabilis na ID scan kung gusto mo</span></li><li><strong>Trabaho + kita</strong><span>Hakbang 2 — 2-ta\xf3ng kasaysayan, kasalukuyang trabaho, buwanang kita</span></li><li><strong>Mga ari-arian + utang</strong><span>Hakbang 3-4 — bank accounts, credit cards, mga loan</span></li><li><strong>Detalye ng property + loan</strong><span>Hakbang 6 — kung ano ang binibili mo, kung magkano ang kailangan mo</span></li><li><strong>Mga deklarasyon + pahintulot</strong><span>Hakbang 7-10 — mga legal na tanong + e-sign authorization</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Tumatakbo ang autosave kada 1.5s — puwede mong isara ang tab kahit kailan at ituloy mula sa eksaktong huminto ka.</span>\n        </div>',"r4tour.cfg.apply.1.title":"Mag-save kahit kailan \xb7 malayang mag-navigate","r4tour.cfg.apply.1.body":'<p class="vt-summary">Sinusubaybayan ng progress bar sa itaas ang bawat hakbang. Puwede kang bumalik para ayusin ang isang bagay, sumulong para tingnan ang susunod, o mag-save at lumabas para tapusin mamaya.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Indicator ng autosave</strong><span>Ang "Saved" na pill sa kanang itaas ay nagsasabing nasa cloud na ang lahat</span></li><li><strong>Lumipat sa hakbang</strong><span>I-click ang anumang icon ng hakbang sa bar para mag-navigate</span></li><li><strong>Magpatuloy sa anumang device</strong><span>Magsimula sa laptop, tapusin sa telepono — sumusunod sa iyo ang draft mo</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Kung nagsasabi ang autosave pill ng "Editing…" nang ilang segundo, pindutin ang Save bago mag-navigate — kadalasan ay bumagal lang ang network.</span>\n        </div>',"r4tour.cfg.apply.2.title":"Na-stuck? Magtanong kay Breeze","r4tour.cfg.apply.2.body":'<p class="vt-summary">Binubuksan ng floating help icon ang isang chatbot na alam na alam ang 1003. Magtanong ng kahit ano — kung ano ang ibig sabihin ng isang field, bakit namin ito kailangan, kung ano ang ilalagay kapag hindi mo alam ang eksaktong sagot.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">Halimbawa</span>\n            <span>"Ano ang pagkakaiba ng &lsquo;Years on Job&rsquo; at &lsquo;

1Years in this Line of Work&rsquo;?" o "Wala akong middle name — ano ang gagawin ko?"</span>\n        </div>\n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Nakatuon ang Breeze sa mga mortgage — hindi ito magpapanggap na general AI o sasagot ng off-topic na tanong, kaya nananatiling maaasahan ang mga sagot nito.</span>\n        </div>',"r4tour.cfg.documents.0.title":"Ang document hub mo","r4tour.cfg.documents.0.body":'<p class="vt-summary">Dito napupunta ang bawat dokumentong kailangan ng lender mo. Ini-OCR namin ang ina-upload mo, awtomatikong inihahanay ang bawat file sa tamang slot, at sinasabi sa iyo kung ano pa ang kulang.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Pagkakakilanlan</strong><span>Driver\'s license / pasaporte / state ID</span></li><li><strong>Kita</strong><span>Paystubs, W-2s, 1099s, tax returns</span></li><li><strong>Mga ari-arian</strong><span>2 buwang bank statements bawat account, retirement balances</span></li><li><strong>Property</strong><span>Purchase agreement, resibo ng earnest money, HOI binder</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Gumagana ang drag-and-drop. Pati na rin ang photo mula sa telepono mo. Ang bank statements ay DAPAT kumpleto ang lahat ng pahina — kahit ang mga blangko — kung hindi ito tatanggihan ng lender.</span>\n        </div>',"r4tour.cfg.documents.1.title":"Smart upload","r4tour.cfg.documents.1.body":'<p class="vt-summary">Mag-drop ng file at aalamin namin kung saan ito napupunta. Tumatakbo ang OCR sa background — kadalasan ay ilang segundo, mas matagal sa mga PDF na maraming imahe.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>PDF (nababasa ang teksto)</strong><span>Pinakamahusay — pinakamabilis na OCR, pinakatumpak</span></li><li><strong>JPG / PNG</strong><span>Gumagana — ini-OCR namin ang imahe at kinukumpirma ang nakuhang datos</span></li><li><strong>HEIC (iPhone)</strong><span>Awtomatikong nagiging JPG bago i-upload</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">\n            <span class="vt-example-label">Halimbawa</span>\n            <span>Kuhanan mo ng litrato ang driver\'s license mo sa telepono — kinukuha namin ang pangalan, DOB, address, license number, expiration, at ang AAMVA barcode sa isang pasada lang.</span>\n        </div>\n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Kung tatanggihan ng lender ang isang dokumento mamaya (maling uri, maling panahon, kulang na pahina), ipapakita namin ito bilang bagong Open Request sa dashboard mo na may bagong upload slot.</span>\n        </div>',"r4tour.cfg.loan-options.0.title":"Ang mga opsyon mo sa loan","r4tour.cfg.loan-options.0.body":'<p class="vt-summary">Kapag na-clear na ng underwriting ang file mo, ililista namin dito ang bawat program na kwalipikado ka — kasama ang rate, buwanang bayad, points, at isang inirerekomendang best match para sa sitwasyon mo.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Rate + APR + points</strong><span>Pareho ng mga field na inihambing mo sa rates page, pero ngayon ay nakatali na sa FILE mo</span></li><li><strong>Buwanang bayad</strong><span>Tunay na PITIA base sa loan amount mo, tantya ng property tax, at HOI quote</span></li><li><strong>Cash to close</strong><span>Down payment + closing costs bawas ang anumang credit</span></li><li><strong>"Best match" na tag</strong><span>Ang rekomendasyon namin base sa priorities mo (pinakamababang rate vs. pinakamababang bayad vs. pinakamababang cash to close)</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">Tip</span>\n            <span>Maaaring kwalipikado ang file mo sa mga program na hindi mo alam na may ganoon (HomeReady, Home Possible, lender credits, atbp.). I-scroll ang buong listahan — bihirang ang pinakamagandang deal ang pinaka-advertised.</span>\n        </div>',"r4tour.cfg.loan-options.1.title":"Ihambing nang magkatabi","r4tour.cfg.loan-options.1.body":'<p class="vt-summary">Ang bawat card ay isang fully-priced na alok mula sa tunay na lender. Ang down-payment slider ay nag-re-re-price ng bawat card nang real time — kapaki-pakinabang para makita kung paano binabago ng 5%, 10%, 20% down ang buwanang bayad mo.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">Halimbawa</span>\n            <span>Mag-slide mula 5% hanggang 20% down at panoorin ang PMI na mawala sa bawat card — iyan ang matematika sa likod ng "20% rule of thumb."</span>\n        </div>\n        \n        <p class="vt-next-hint">Huling hinto: account settings.</p>',"r4tour.cfg.settings.0.title":"Account settings","r4tour.cfg.settings.0.body":'<p class="vt-summary">Nasa rito lahat ang profile, notification preferences, seguridad, at privacy controls.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Profile</strong><span>Pangalan, email, telepono, address — panatilihing kasalukuyan</span></li><li><strong>Mga abiso</strong><span>Email/SMS/push toggles bawat uri ng event</span></li><li><strong>Seguridad</strong><span>2FA, security questions, Passkeys (malapit nang dumating)</span></li><li><strong>Privacy</strong><span>Data download + delete-my-data request</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>I-enable ang 2FA bago mo i-upload ang SSN o banking info mo. Ang mga aplikasyon sa mortgage ay high-value na target ng phishing — ang 10 segundong kailangan para i-set up ang 2FA ay tunay na pag-upgrade sa kaligtasan.</span>\n        </div>',"r4tour.cfg.settings.1.title":"Ang security tab","r4tour.cfg.settings.1.body":'<p class="vt-summary">Dito mo pinapatibay ang account. Tinitingnan ng mga lender ang security posture ng borrower bilang bahagi ng kanilang fraud screen — ang pag-on ng mga ito ay talagang tumutulong na mas mabilis umusad ang file mo.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Two-factor authentication</strong><span>SMS o authenticator app — pareho suportado</span></li><li><strong>Security questions</strong><span>Recovery path kung mawala ang access mo sa 2FA device mo</span></li><li><strong>Passkeys</strong><span>Phishing-resistant na passwordless login (malapit nang dumating)</span></li><li><strong>Active sessions</strong><span>Tingnan ang bawat device na naka-log in sa account mo; mag-sign out ng kahit alin nang remote</span></li>\n            </ul>\n        </div>',"r4tour.cfg.settings.2.title":"Handa ka na","r4tour.cfg.settings.2.body":'<p class="vt-summary">Iyan ang buong tour. Alam mo na ngayon kung nasaan ang bawat mahalagang bahagi ng loan mo + kung paano ito gamitin.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">Ang magagawa mo rito</p>\n            <ul class="vt-features">\n                <li><strong>Kailangan ng refresher?</strong><span>I-replay ang tour na ito kahit kailan mula sa dashboard</span></li><li><strong>Gusto ng mas detalyado?</strong><span>Ang buong nakasulat na walkthrough ay nasa /borrower/help</span></li><li><strong>Na-stuck sa isang partikular na tanong?</strong><span>Magtanong kay Breeze — ang floating help bot — sa anumang pahina</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">Tip</span>\n            <span>Karamihan sa matagumpay na borrowers ay tinatapos ang Open Requests sa dashboard nila sa loob ng 24 oras at sumasagot sa mga mensahe ng broker sa loob ng 4. Ang bilis ng pagsagot ang pinakamalaking predictor ng on-time na pag-close.</span>\n        </div>\n        <p class="vt-next-hint">I-click ang <strong>Done</strong> para bumalik sa dashboard mo at magsimula nang kumilos.</p>',"r4tour.chapter.dashboard":"Dashboard","r4tour.chapter.rates":"Mga Rate","r4tour.chapter.calculators":"Mga Calculator","r4tour.chapter.apply":"Aplikasyon","r4tour.chapter.documents":"Mga Dokumento","r4tour.chapter.loan-options":"Mga Opsyon sa Loan","r4tour.chapter.settings":"Mga Setting","r4tour.previewingChapter":"Pinapreview ang {chapter}","r4tour.stepOf":"{current} ng {total}","r4tour.previewing":"Pinapreview…","r4tour.dialogLabel":"Hakbang ng tour","r4tour.closeTour":"Isara ang tour","r4tour.closeDisabledPreviewing":"Isara (hindi available habang nagpapreview)"},ko:{"borrower.dashboard.title":"내 대시보드","borrower.dashboard.welcome":"환영합니다","borrower.dashboard.goodMorning":"좋은 아침이에요","borrower.dashboard.goodAfternoon":"좋은 오후예요","borrower.dashboard.goodEvening":"좋은 저녁이에요","borrower.actions.openConditions":"처리 대기 중인 항목","borrower.actions.allClear":"처리할 항목이 없습니다","borrower.calculators.title":"모기지 계산기","borrower.calculators.affordability":"구매 가능 금액","borrower.calculators.refiRoi":"재융자 ROI","borrower.calculators.monthlyPayment":"월 납부액","borrower.notifications.empty":"아직 알림이 없습니다.","borrower.notifications.markAllRead":"모두 읽음으로 표시","borrower.disclosures.title":"내 공시 서류","borrower.le.viewAndDownload":"보기 및 다운로드","borrower.cd.acknowledgeRequired":"서명 전에 확인해 주세요","borrower.cd.threeDayWait":"3 영업일 대기 기간","borrower.push.enable":"변경 사항이 있을 때 알림 받기","borrower.push.alreadyOn":"푸시 알림 켜짐","borrower.timeline.title":"내 대출 타임라인","borrower.closingRoom.title":"클로징 룸","borrower.closingRoom.scheduleNotary":"공증인 예약","borrower.closingRoom.openSigningPortal":"서명 포털 열기","borrower.preQual.cta":"사전 자격 확인하기","borrower.preQual.noFicoImpact":"FICO 점수에 영향 없음","borrower.insurance.title":"주택 소유자 보험","borrower.insurance.applyNow":"신청하기","borrower.uploadDoc":"서류 업로드","borrower.connectBank":"은행 연결","common.cancel":"취소","common.save":"저장","common.back":"뒤로","common.next":"다음","common.done":"완료","common.startApplication":"신청 시작하기","common.viewDetails":"상세 보기","common.askVera":"Breeze에게 물어보기","common.refresh":"새로고침","common.openInbox":"받은 편지함 열기","auth.signIn":"로그인","auth.signOut":"로그아웃","nav.rates":"금리","nav.calculators":"계산기","nav.dashboard":"대시보드","

1nav.documents":"문서","nav.conditions":"ì¡°ê±´","nav.loanOptions":"대출 옵션","nav.askVera":"Breeze에게 물어보기","nav.pricing":"요금제","nav.home":"홈","nav.resources":"자료","nav.support":"고객 지원","nav.login":"로그인","nav.getStarted":"시작하기","nav.createAccount":"계정 만들기","nav.openMenu":"메뉴 열기","nav.navigation":"내비게이션","nav.themeWait":"잠시 기다려 주세요...","nav.darkMode":"다크 모드","nav.midnightMode":"미드나이트 모드","nav.lightMode":"라이트 모드","dashboard.loanId":"내 대출 ID:","dashboard.group.progress.title":"진행 상황 및 다음 단계","dashboard.group.progress.subtitle":"대출 현황과 저희에게 필요한 사항","dashboard.group.numbers.title":"내 숫자","dashboard.group.numbers.subtitle":"월 납입금, 상환 능력 및 대출 상태","dashboard.group.closing.title":"클로징","dashboard.group.closing.subtitle":"클로징 날짜, 비용 및 준비물","dashboard.group.team.title":"내 담당팀 및 메시지","dashboard.group.team.subtitle":"대출 담당자, 공동 차용인 및 메시지","dashboard.group.documents.title":"문서 및 리소스","dashboard.group.documents.subtitle":"공시, 결제 수단, 추천 및 가이드","dashboard.overview":"개요","dashboard.stages":"단계","dashboard.finishAppToUnlock":"대시보드 개요를 열려면 신청서를 완성하세요","dashboard.messageLoanOfficer":"대출 담당자에게 메시지 보내기","dashboard.helpCenter":"도움말 센터","dashboard.askVeraLabel":"내 대출에 대해 Breeze에게 무엇이든 물어보세요","dashboard.offlineBanner":"오프라인 상태입니다 — 실시간 업데이트가 중지되었습니다. 변경 사항은 로컬에 저장되었습니다.","dashboard.offlineSnapshot":"오프라인 — 마지막으로 저장된 스냅샷 표시 중","dashboard.offlineWelcomeBack":"다시 오신 것을 환영합니다","dashboard.yourDashboard":"내 대시보드","dashboard.offlineLoanStatus":"대출 상태","dashboard.offlineCachedAt":"캐시됨","dashboard.offlineStageSteps":"단계: {stage} — {done}/{total} 단계 완료","dashboard.offlineReconnect":"다시 연결하면 실시간 업데이트를 ë³´ê³  작업을 수행할 수 있습니다.","dashboard.offlineItemNeeded":"{n}개 항목이 필요합니다","dashboard.offlineItemsNeeded":"{n}개 항목이 필요합니다","dashboard.loadingProfile":"프로필을 불러오는 중…","dashboard.redirectingLogin":"로그인 페이지로 이동 중...","dashboard.stuckSignOut":"막히셨나요? 로그아웃 후 다시 시도하세요","dashboard.appSubmitted":"신청서 제출 완료","dashboard.appSubmittedMsg":"담당 중개인에게 알림이 전송되었습니다. 대출이 진행되는 동안 여기에서 업데이트를 확인하세요.","dashboard.brokerPreviewDetail":"— 이것은 귀하의 차용인이 지금 대시보드에서 ë³´ê³  있는 것과 동일한 사본입니다.","dashboard.exitPreview":"미리보기 종료","conditions.headerTitle":"대출 기관이 필요로 하는 몇 가지 사항","conditions.headerSubtitle":"아래에 요청된 항목을 업로드하거나 파일을 아무 곳에나 드롭하면 올바른 항목에 매칭해 드립니다. 순서에 관계없이 진행하실 수 있습니다.","conditions.conditionsLabel":"ì¡°ê±´","conditions.toUpload":"업로드 필요","conditions.submittedInReview":"제출됨 \xb7 검토 중","conditions.done":"완료","conditions.allCaughtUp":"모두 완료되었습니다 — 잘 하셨어요!","conditions.fileClear":"파일이 깨끗합니다 — 대기 중인 항목이 없습니다","conditions.statToDo":"할 일","conditions.statInReview":"검토 중","conditions.statDone":"완료","conditions.statTotal":"전체","conditions.clearedSummary":"{done}/{total} 승인됨","conditions.smartUploadTitle":"스마트 업로드","conditions.smartUploadSub":"파일을 드롭하세요 — 올바른 조건에 자동으로 매칭해 드립니다.","conditions.smartUploadFormats":"PDF \xb7 JPG \xb7 PNG","conditions.heroDropTitle":"여기에 문서를 끌어다 놓으세요","conditions.heroDropSub":"올바른 조건으로 자동 분류됩니다","conditions.heroBrowse":"파일 찾아보기","conditions.heroCamera":"카메라 사용","conditions.heroCameraOverlay":"문ì

1„œë¥¼ 프레임 안에 맞춰 주세요","conditions.suggested":"추천","conditions.upload":"업로드","conditions.replace":"교체","conditions.underReview":"검토 중","conditions.submitted":"제출됨","conditions.processing":"처리 중","conditions.accepted":"수락됨","conditions.waived":"면제됨","conditions.gotIt":"확인","conditions.sentBack":"반려:","conditions.askVera":"Breeze에게 물어보기","conditions.loadError":"조건을 불러올 수 없습니다. 새로고침해 주세요.","conditions.veraHideError":"Breeze 요약을 숨길 수 없습니다. 다시 시도하세요.","conditions.veraEnableError":"Breeze 요약을 활성화할 수 없습니다. 다시 시도하세요.","conditions.uploadingFile":"{name} 업로드 중…","conditions.uploadedFile":"{name} 업로드 완료 — 대출 담당자가 검토합니다.","conditions.uploadFailed":"업로드 실패: {error}","conditions.undoError":"실행 취소할 수 없습니다","conditions.checkoutError":"결제를 시작할 수 없습니다: {error}","login.eyebrow":"차용인","login.title":"계정에 로그인하세요","login.subtitle":"마지막으로 멈춘 곳에서 계속하세요.","login.noAccount":"계정이 없으신가요?","login.signUp":"가입하기","login.emailVerified":"이메일이 인증되었습니다 — 아래에서 로그인하여 계속하세요.","login.accountCreatedVerifyEmail":"계정이 생성되었습니다. 가능하면 이메일을 인증하세요 — 인증 후 Plaid 및 은행 기능이 잠금 해제됩니다.","login.idleSignedOut":"비활동으로 인해 로그아웃되었습니다. 계속하려면 다시 로그인하세요.","login.sessionsRevoked":"모든 세션이 로그아웃되었습니다. 계속하려면 다시 로그인하세요.","login.orWithEmail":"또는 이메일로","login.emailLabel":"이메일 주소","login.emailPlaceholder":"[email protected]","login.passwordLabel":"비밀번호","login.passwordPlaceholder":"••••••••","login.forgotPassword":"비밀번호를 잊으셨나요?","login.authenticatorCode":"인증 코드","login.verifyCode":"코드 확인","login.loading":"로딩 중…","login.errorInvalidCode":"잘못된 코드입니다. 다시 시도하세요.","login.errorInvalidCredentials":"이메일 또는 비밀번호가 올바르지 않습니다.","login.errorAccountLocked":"너무 많은 실패 시도로 인해 계정이 일시적으로 잠겼습니다.","login.errorAccountCannotSignIn":"이 계정은 현재 로그인할 수 없습니다.","login.errorLoginUnavailable":"로그인을 사용할 수 없습니다. 다시 시도하세요.","login.errorServerTimeout":"서버가 시간 초과되었습니다. 다시 시도하세요.","login.errorGeneric":"문제가 발생했습니다.","lang.change":"언어 변경","lang.heading":"언어","nav.brandRole":"대출자","nav.brandTagline":"AI 모기지 플랫폼","nav.features":"기능","nav.benefits":"혜택","nav.signIn":"로그인","nav.goToDashboard":"대시보드로 이동","nav.closeMenu":"메뉴 닫기","nav.contactBroker":"브로커에게 문의","footer.tagline":"최고 성과 브로커를 위한 AI 기반 모기지 오리지네이션. 더 빠르게 대출을 마감하고 비즈니스를 확장하세요.","footer.rightsReserved":"모든 권리 보유.","footer.equalHousing":"평등 주택 기회","footer.licensedCA":"캘리포니아 라이선스 보유","footer.col.product":"제품","footer.col.company":"회사","footer.col.legal":"법률","footer.col.support":"지원","footer.link.aiUnderwriting":"AI 심사","footer.link.docVerification":"문서 확인","footer.link.borrowerPortal":"대출자 포털","footer.link.crmCampaigns":"CRM 및 캠페인","footer.link.pipelineMgmt":"파이프라인 관리","footer.link.aboutUs":"회사 소개","footer.link.careers":"채용","footer.link.blog":"블로그","footer.link.contact":"문의","footer.link.privacy":"개인정보 처리방침","footer.link.terms":"서비스 약관","footer.link.cookies":"쿠키 정책","footer.link.ccpa":"CCPA 고지","footer.link.doNotSell":"내 정보를 판매하지 마세요","footer.link.disclaimer":"면책 조항","footer.link.helpCenter":"도움말 센터","footer.link.apiDocs":"API 문서","footer.link.systemStatus":"시스템 상태","footer.link.security":"보안","bfoot.techSupport":"기술 지원","bfoot.contactPerson":"{firstName}님에게 연락하기","bfoot.bookTime":"시간 예약하기","notif.bellTitle":"알림","notif.settingsTitle":"알림 설정","notif.countNew":"{n}개 새 알림","notif.markAllReadTitle":"모두 읽음으로 표시","notif.backToNotifications":"알림으로 돌아가기","notif.loading":"불러오는 중…","notif.prefsLoadError":"환경설정을 불러올 수 없습니다.","notif.prefsHelp":"각 이벤트 유형을 받는 방법을 설정하세요. SMS는 아직 연결되지 않았습니다. 설정은 저장되지만 Twilio가 구성될 때까지 전송되지 않습니다.","notif.colEvent":"이벤트","notif.colInApp":"앱 내","notif.colEmail":"이메일","notif.colSms":"SMS","notif.timeSecondsAgo":"{n}초 전","notif.timeMinutesAgo":"{n}분 전","notif.timeHoursAgo":"{n}

1시간 전","notif.timeDaysAgo":"{n}일 전","notif.countNewBadge":"{n}개 새 알림","notif.allCaughtUp":"모두 확인했습니다!","notif.viewAll":"모든 알림 보기","notif.emptyNoPeriod":"아직 알림이 없습니다","notif.emptyCategory":"이 카테고리에 알림이 없습니다","notif.filterAll":"전체","notif.typeUrgent":"긴급","notif.typeAction":"조치 필요","notif.typeInfo":"정보","notif.fallbackLoan":"대출","notif.staleTitle":"{name}이(가) {days}일 동안 변동 없음","notif.staleDetail":"현재 {status} 상태 - 이탈 위험 높음","notif.lockExpiringTitle":"금리 잠금이 {days}일 후 만료됩니다","notif.lockExpiringTitleOne":"금리 잠금이 {days}일 후 만료됩니다","notif.lockDetail":"{name} - {days}일 잠금","notif.conditionPendingTitle":"{count}개 ì¡°ê±´ 대기 중","notif.conditionsPendingTitle":"{count}개 ì¡°ê±´ 대기 중","notif.conditionsDetail":"{name} - {status}","notif.followUpTitle":"{name}에 대한 후속 조치 필요","notif.followUpDetail":"{status} 상태에서 {days}일 동안 활동 없음","notif.clearedToCloseTitle":"{name} 마감 승인 완료","notif.clearedToCloseDetail":"마감 일정을 잡고 최종 문서를 요청하세요","notif.milestoneTitle":"마일스톤 알림","notif.saved":"저장됨","notif.channelLabel":"알림 채널","notif.channelBoth":"둘 다","notif.channelEmail":"이메일","notif.channelSms":"SMS","notif.channelBothLong":"이메일 + SMS","notif.milestoneSummary":"{total}개 마일스톤 중 {active}개가 {channel}을(를) 통해 활성화됨","notif.milestone.applicationReceived":"신청서 접수됨","notif.milestone.submittedToUW":"심사 부서에 제출됨","notif.milestone.approved":"승인됨","notif.milestone.conditionsSent":"ì¡°ê±´ 발송됨","notif.milestone.clearToClose":"마감 승인","notif.milestone.closingScheduled":"마감 일정 확정됨","calc.beginLoanApplication":"대출 신청 시작","calc.heroEyebrow":"모기지 계산기","calc.heroTitle":"브로커와 상담하기 전 네 가지 빠른 확인","calc.heroSubtitle":"아래의 각 탭은 서로 다른 질문에 답합니다 — 내 상환금은 얼마가 될지, 얼마짜리 집을 살 수 있는지, 지금이 재융자하기 좋은 시기인지, 그리고 디스카운트 포인트 구매가 가치 있는지. 여기 계산은 대출 담당자가 사용하는 것과 동일한 계산이며, 각 입력값이 결과를 어떻게 바꾸는지 ë³¼ 수 있도록 정리해 두었을 뿐입니다.","calc.tabMonthly":"월별","calc.tabBuyPoints":"포인트 구매","calc.askVeraMonthlyLabel":"이 월 상환금에 대해 Breeze에게 문의하기","calc.askVeraMonthlyPrompt":"제 월 상환금이 어떻게 계산되는지, 그리고 무엇이 그것을 가장 크게 바꾸는지 설명해 주세요.","calc.askVeraAffordabilityLabel":"내 구매 여력에 대해 Breeze에게 문의하기","calc.askVeraAffordabilityPrompt":"제가 감당할 수 있는 금액과 더 많이 감당하는 데 도움이 될 만한 것을 이해하도록 도와주세요.","calc.askVeraRefiLabel":"이 재융자가 합리적인지 Breeze에게 문의하기","calc.askVeraRefiPrompt":"이 재융자가 제 상황에 합리적인지, 그리고 무엇을 확인해야 하는지 설명해 주세요.","calc.askVeraBuyDownLabel":"포인트 구매가 가치 있는지 Breeze에게 문의하기","calc.askVeraBuyDownPrompt":"제가 ê·¸ 집에 얼마나 오래 거주할 계획인지를 고려할 때 디스카운트 포인트 구매가 합리적인지 설명해 주세요.","calc.whatThisDoes":"이 계산기의 기능","calc.monthlyExplainerBody":"대출 금액, 금리, 기간을 표준 상환 공식에 넣고 월별 세금 + 보험 + HOA 비용을 더합니다. 결과는 대출 상환금만이 아니라 ê·¸ 집을 소유하는 데 드는 전체 월 비용입니다.","calc.loanBasics":"대출 기본 정보","calc.homePrice":"주택 가격","calc.homePriceHint":"목표로 하는 구매 가격입니다.","calc.downPaymentPct":"계약금 ({pct}%)","calc.downPaymentHint":"마감 시 내는 현금입니다. 20% 미만은 보통 PMI가 필요하며, 0%는 VA / USDA 프로그램에만 해당됩니다.","calc.interestRatePct":"이자율(%)","calc.interestRateHint":"대출 기관이 부과하는 연 금리입니다. 조건에 동의하면 고정됩니다.","calc.loanTerm":"대출 기간","calc.loanTermHint":"상환 완료까지 몇 년인지.","calc.unitYr":"년","calc.taxesInsurance":"세금 및 보험","calc.propertyTaxRatePct":"재산세율(%)","calc.propertyTaxRateHintMonthly":"주택 가치의 일정 비율로, 카운티가 청구합니다. 대부분의 주는 0.5~2%입니다.","calc.homeInsuranceYear":"주택 보험($/년)","calc.homeInsuranceHint":"연간 재해 / 주택 소유자 보험입니다. 보통 대출 기관과 함께 에스크로로 납부됩니다.","calc.hoaFeesMonth":"HOA 비용($/월)","calc.hoaFeesHint":"주택에 해당하는 경우의 월별 커뮤니티 / 콘도 회비입니다. 없으면 0으로 두세요.","calc.estimatedMonthlyPayment":"예상 월 상환금","calc.loanAmountLtv":"대출 금액 {amount} \xb7 LTV {ltv}%","calc.paymentBreakdownAria":"월 상환금 내역: 원금 및 이자 {pi}, 세금 {tax}, 보험 {ins}, HOA {hoa}","calc.totalPerMo":"월 합계","calc.lineprincipalInterest":"원금 및 이자","calc.linePiSub":"실제 대출 상환금","calc.linePropertyTaxes":"재산세","calc.lineTaxSub":"카운티 세금, 월별 에스크로","calc.lineHomeInsurance":"주택 보험","calc.lineInsSub":"연간 보험 / 12","calc.lineHoaFees":"HOA 비용","calc.lineHoaSub":"월별 커뮤니티 회비","calc.howWeGotThere":"계산 과정","calc.monthlyMath1":"귀하의 대출 금액은","calc.monthlyMath2":"(주택 {home}에서 계약금 {down}을 뺀 금액).","calc.monthlyMath3":"이를 {rate}%로 {months}개월에 걸쳐 상환 계산하여 원금 및 이자를","calc.monthlyMath4":"재산세를 더하고(주택 가치의 {rate}% \xf7 12 =","calc.monthlyMath5":"), 보험(연간 \xf7 12 =","calc.monthlyMath6":"), HOA(","calc.monthlyMath7":")를 더하면","calc.monthlyMath8":" — 주택의 총 비용에 도달합니다.","calc.perMo":"{amount}/월","calc.applyForPreApproval":"사전 승인 신청","calc.affordExplainerBody":"계산을 거꾸로 진행합니다. 귀하의 소득과 기존 부채에서 시작하여 DTI 상한(일반 43%, non-QM은 최대 50%)을 적용하고 감당할 수 있는 최대 대출을 산출합니다. 그런 다음 계약금을 더해 최대 구매 가격을 구합니다.","calc.incomeDebts":"귀하의 소득 및 부채","calc.grossMonthlyIncome":"월 총소득($)","calc.grossMonthlyIncomeHint":"모든 출처에서 나온 세전 월소득입니다. 맞벌이 가구는 합산하세요.","calc.monthlyDebtPayments":"월별 부채 상환금($)","calc.monthlyDebtPaymentsHint":"자동차, 학자금, 신용카드 최소 상환액, 위자료 등 신용 보고서에 나타나는 모든 항목.","calc.cashDownPayment":"현금 계약금($)","calc.cashDownPaymentHint":"마감 시 낼 수 있는 금액입니다. 현금이 많을수록 = 최대 주택 규모가 커집니다.","calc.loanProperty":"대출 및 부동산","calc.ratePct":"금리(%)","calc.rateHintAfford":"현재 시장 금리는 일반 대출 기준 약 6~7%입니다.","calc.term":"기간","calc.termHintAfford":"대부분 30년을 선택합니다.","calc.propertyTaxRateHintAfford":"카운티가 부과하는 연 세율입니다. 목표 우편번호를 확인하세요.","calc.insuranceYear":"보험($/년)","calc.insuranceHintAfford":"연간 보험료입니다. 보통 약 $1,200이며, 해안 지역이나 화재 위험 지역은 더 높습니다.","calc.hoaMonth":"HOA($/월)","calc.hoaHintAfford":"해당하는 경우 월별 커뮤니티 회비입니다. HOA가 없는 주택은 0.","calc.dtiCeilingPct":"DTI 상한(%)","calc.dtiCeilingHint":"대출 기관이 허용하는 최대 부채 대비 소득 비율입니다. 일반 43%, 공격적인 non-QM은 최대 50%.","calc.youCanAffordUpTo":"최대 구매 가능 금액","calc.noHeadroomTitle":"아직 여유가 충분하지 않음","calc.noHeadroomBody":"기존 부채가 월 ${debts}이면 귀하의 DTI는 이미 {dti}% 상한에 도달했거나 초과한 상태입니다. 부채를 줄이거나 소득을 늘리거나 DTI 한도를 높여 보세요(일부 non-QM 프로그램은 50%까지 가능).","calc.maxLoanAmount":"최대 대출 금액","calc.monthlyHousingBudget":"월 주거 예산","calc.housingBudgetSub":"{income}의 {dti}% − 부채","calc.totalMonthlyPayment":"월 상환금 합계","calc.piTaxInsHoa":"원금 및 이자 + 세금 + 보험 + HOA","calc.affordMath1":"귀하의 월 총소득","calc.affordMath2":"에 {dti}% DTI를 적용하면","calc.affordMath3":"이 월 총 부채에 쓸 수 있습니다. 기존","calc.affordMath4":"부채를 빼면","calc.affordMath5":"이 주거에 남습니다. 원금 및 이자, 세금, 보험, HOA를 거꾸로 계산하면 최대 대출이","calc.affordMath6":"이 됩니다. 여기에","calc.affordMath7":"계약금을 더하면 최대 구매 가격이 됩니다","calc.refiExplainerBody":"오늘 재융자가 실제로 비용을 절감해 주는지 판단합니다. 현재 원금 및 이자를 새 상환금과 비교하고 마감 비용을 반영하여 손익분기점(절감액이 재융자 비용을 회수하기까지 걸리는 기간)을 알려줍니다.","calc.yourCurrentLoan":"현재 대출","calc.outstandingBalance":"미상환 잔액($)","calc.outstandingBalanceHint":"현재 갚아야 할 금액으로, 최신 모기지 명세서에서 확인할 수 있습니다.","calc.currentMonthlyPi":"현재 월 원금 및 이자($)","calc.currentMonthlyPiHint":"원금 + 이자만 해당하며, 전체 모기지 상환금이 아닙니다. 에스크로 부분은 재융자 시 변하지 않습니다.","calc.monthsRemaining":"남은 개월 수","calc.monthsRemainingHint":"현재 대출에 몇 개월 남았는지. 360은 새 30년 대출입니다.","calc.theRefiOffer":"재융자 제안","calc.newRatePct":"새 금리(%)","calc.newRateHint":"견적받은 금리입니다. 현재 금리보다 낮으면 실질적인 절감을 의미합니다.","calc.newTermMonths":"새 기간(개월)","calc.newTermHint":"새 대출의 기간입니다. 360 = 30년, 180 = 15년. 30년으로 재설정하면 상환금은 낮아지지만 장기적으로는 비용이 더 듭니다.","calc.closingCosts":"마감 비용($)","calc.closingCostsHint":"대출 기관 수수료 + 제3자 비용입니다. 대출 기관이 무비용 재융자를 제공하지 않는 한 보통 대출 금액의 2~5%입니다.","calc.refiMakesSense":"재융자가 합리적","calc.refiBorderline":"잠깐 — 이건 애매합니다","calc.refiSkip":"건너뛰기 — 상환금이 오릅니다","calc.recommendation":"권장 사항","calc.newMonthlyPi":"새 월 원금 및 이자","calc.monthlySavings":"월 절감액","calc.savingsKeepMore":"매달 더 많이 남길 수 있습니다","calc.savingsHigher":"새 상환금이 더 높습니다","calc.breakEven":"손익분기점","calc.unitMonthsShort":"{n}개월","calc.breakEvenSubRefi":"마감 비용을 회수하기까지의 개월 수","calc.theLifetimeMath":"전체 기간 계산","calc.refiMath1":"오늘 재융자하고 남은 {months}개월 동안 상환하면 순 절감액(마감 비용 {costs} 차감 후)은","calc.refiVerdictRefi":"이 재융자는 대출이 끝나기 훨씬 전에 비용을 회수합니다 — 대체로 진행해도 좋습니다.","calc.refiVerdictWait":"손익분기점이 이 대출을 상환할 것으로 예ìƒ

1í•˜ëŠ” 기간보다 늦습니다. 더 큰 금리 인하를 기다리거나 마감 비용이 없는 재융자를 알아보는 것을 고려하세요.","calc.refiVerdictSkip":"새 금리가 상환금을 올립니다 — 어떤 경우에도 이 재융자는 비용을 돌려주지 않습니다.","calc.getRealRefiQuote":"실제 재융자 견적 받기","calc.inputs":"입력값","calc.loanAmount":"대출 금액","calc.parRate":"기준 금리(포인트 없음)","calc.parRateHint":"디스카운트 포인트 없이 제공되는 금리입니다.","calc.boughtDownRate":"포인트로 낮춘 금리","calc.boughtDownRateHint":"포인트를 선납하면 제공되는 더 낮은 금리입니다.","calc.pointsAtClosing":"마감 시 포인트","calc.pointsAtClosingHint":"1포인트 = 대출 금액의 1%로, 마감 시 지불합니다.","calc.unitYears":"년","calc.keepLoanHowLong":"이 대출을 얼마나 오래 유지할지","calc.keepLoanHint":"가장 중요한 단일 입력값입니다 — 포인트는 충분히 오래 유지해야만 회수됩니다.","calc.shouldYouBuyPoints":"포인트를 구매해야 할까요?","calc.verdict":"ê²°ë¡ ","calc.tierStrong":"{months}개월 이상 거주한다면 적극 권장합니다. 계산이 탄탄합니다.","calc.tierViable":"고려할 만합니다 — {months}개월에 손익분기점에 도달합니다. 그만큼 오래 거주할 자신이 있을 때만 구매하세요.","calc.tierWeak":"아마도 아닙니다. 손익분기점이 너무 멀어서 절감액이 실제로 주머니에 들어오기 어렵습니다.","calc.parMonthlyPi":"기준 금리 월 원금 및 이자","calc.boughtDownMonthlyPi":"낮춘 금리 월 원금 및 이자","calc.buyDownSavingsYes":"포인트 매입으로 낮아진 상환금","calc.buyDownSavingsNo":"절감 없음 — 낮춘 금리가 실제로는 더 낮지 않습니다.","calc.costAtClosing":"마감 시 비용","calc.costAtClosingSub":"{pts} 포인트 \xd7 {amount}","calc.unitMonths":"{n}개월","calc.breakEvenNoRecoup":"절감액으로 비용을 회수하지 못합니다.","calc.breakEvenSubBuyDown":"낮아진 상환금이 선납 비용을 상쇄하기까지의 개월 수.","calc.netIfStayOne":"{years}년 거주 시 순액","calc.netIfStayMany":"{years}년 거주 시 순액","calc.netPositiveSub":"해당 기간 동안 주머니에 들어오는 순 금액.","calc.netNegativeSub":"아직 손익분기점에 도달하지 못했습니다.","calc.howItWorks":"작동 방식","calc.buyDownHowItWorksBody":"디스카운트 포인트는 선불 이자입니다 — 대출 기관에 미리 돈을 주면 대출 기간 내내 더 낮은 금리를 받게 됩니다. 낮아진 상환금은 매달 비용을 절감해 주지만, 선납 비용을 상쇄한 후에만 효과가 있습니다. 손익분기점은 누적 절감액이 포인트로 지불한 금액과 같아지는 시점입니다. ê·¸ 전에 매각하거나 재융자하면 손해를 봅니다.","calc.glossaryTitle":"모기지 기초 — 위에서 사용한 주요 용어","calc.glossaryTapToExpand":"탭하여 펼치기. {count}개 용어.","calc.glossary_pi_term":"원금 및 이자(P&I)","calc.glossary_pi_def":"실제 대출 상환금 — 빌린 돈에 대해 매달 대출 기관에 갚는 금액입니다. 세금이나 보험은 포함되지 않습니다.","calc.glossary_escrow_term":"에스크로(Escrow)","calc.glossary_escrow_def":"대출 기관이 각 모기지 상환금과 함께 재산세 + 주택 소유자 보험을 모아 두었다가 귀하를 대신해 청구서를 납부하는 별도 계좌입니다.","calc.glossary_dti_term":"DTI(부채 대비 소득 비율)","calc.glossary_dti_def":"월 총 부채 상환금 \xf7 월 총소득. 대출 기관은 이를 일반 43% / 공격적인 non-QM 프로그램 50%로 제한합니다.","calc.glossary_ltv_term":"LTV(대출 대비 가치 비율)","calc.glossary_ltv_def":"대출 금액 \xf7 주택 가치. 80% LTV = 20% 계약금. LTV가 낮을수록 보통 더 좋은 금리를 의미합니다.","calc.glossary_pmi_term":"PMI(개인 모기지 보험)","calc.glossary_pmi_def":"일반 대출에서 계약금이 20% 미만일 때 요구됩니다. 연간 대출의 약 0.3~1.5% 추가 비용이 들며, 78% LTV에 도달하면 자동으로 사라집니다.","calc.glossary_apr_term":"APR(연이율)","calc.glossary_apr_def":"금리 + 대출 기관 수수료를 단일 연 백분율로 나타낸 것입니다. 항상 표시 금리보다 높으며, ê·¸ 차이는 대부분 상환 처리된 마감 비용입니다.","calc.glossary_lock_term":"금리 고정(Lock)","calc.glossary_lock_def"

1:'조건에 동의하면 대출 담당자가 금리를 "고정"하여 서류 처리가 끝날 때까지 금리가 불리하게 변동하지 않도록 합니다. 고정 기간은 보통 30~60일입니다.',"calc.glossary_breakEven_term":"손익분기점","calc.glossary_breakEven_def":"재융자의 마감 비용을 회수하는 데 필요한 재융자 절감 개월 수입니다. 손익분기점을 훨씬 넘겨 대출을 유지할 계획일 때 재융자가 합리적입니다.","calc.glossary_loanTypes_term":"일반 vs FHA / VA / USDA","calc.glossary_loanTypes_def":"일반 대출은 Fannie/Freddie 규정을 따릅니다. FHA는 낮은 신용 점수를 허용하고, VA는 퇴역 군인 대상(계약금 없음)이며, USDA는 농촌 지역의 무계약금 대출입니다. 각각 DTI 상한과 PMI 규정이 다릅니다.","legal.eyebrow":"Unified Loan System \xb7 법률","legal.tocAriaLabel":"목차","legal.tocContents":"목차","legal.lastUpdatedLabel":"최종 업데이트:","legal.seeAlso":"다음도 참조하세요:","legal.and":"및","legal.masterSaasAgreement":"마스터 SaaS 계약","legal.dataProcessingAgreement":"데이터 처리 계약","legal.smsTermsLink":"SMS 약관","legal.termsTitle":"서비스 약관","legal.termsLastUpdated":"최종 업데이트: 2026년 5월 21일.","legal.termsTocAgreement":"1. 약관 동의","legal.termsTocIpRights":"2. 지식재산권","legal.termsTocUserRepresentations":"3. 사용자 진술","legal.termsTocLendingServices":"4. 대출 서비스","legal.termsTocSmsProgram":"5. SMS 프로그램","legal.termsTocTermination":"6. 해지","legal.termsTocModifications":"7. 변경 및 중단","legal.termsAgreementHeading":"1. 약관 동의","legal.termsAgreementBody":"본 서비스 약관은 귀하(개인으로서든 법인을 대표하든, 이하 “귀하”)와 Unified Loan System(이하 “당사” 또는 “당사의”) 사이에 당사의 웹사이트 및 서비스 접속과 이용에 관하여 체결된 법적 구속력이 있는 계약입니다. 본 사이트에 접속함으로써 귀하는 본 서비스 약관 전체를 읽고 이해하였으며 이에 구속되는 데 동의함을 확인합니다.","legal.termsIpRightsHeading":"2. 지식재산권","legal.termsIpRightsBody":"달리 명시되지 않는 한, 본 사이트는 당사의 독점적 자산이며, 본 사이트의 모든 소스 코드, 데이터베이스, 기능, 소프트웨어, 웹사이트 디자인, 오디오, 비디오, 텍스트, 사진 및 그래픽(이하 통칭 “콘텐츠”)과 그 안에 포함된 상표, 서비스 마크 및 로고(이하 “마크”)는 당사가 소유 또는 통제하거나 당사에 라이선스되어 있으며, 저작권법 및 상표법에 의해 보호됩니다.","legal.termsUserRepresentationsHeading":"3. 사용자 진술","legal.termsUserRepresentationsIntro":"본 사이트를 이용함으로써 귀하는 다음을 진술하고 보증합니다:","legal.termsUserRepresentationsItem1":"귀하가 제출하는 모든 등록 정보는 진실하고 정확하며 최신이고 완전합니다.","legal.termsUserRepresentationsItem2":"귀하는 해당 정보의 정확성을 유지하고 필요에 따라 해당 등록 정보를 신속히 업데이트합니다.","legal.termsUserRepresentationsItem3":"귀하는 법적 능력을 갖추고 있으며 본 서비스 약관을 준수하는 데 동의합니다.","legal.termsUserRepresentationsItem4":"귀하는 봇, 스크립트 또는 기타 수단을 통한 자동화된 방식이나 비인간적 수단으로 본 사이트에 접속하지 않습니다.","legal.termsLendingServicesHeading":"4. 대출 서비스","legal.termsLendingServicesBody":"Unified Loan System는 모기지 브로커가 대출 신청서를 제출하고 관리할 수 있는 플랫폼을 제공합니다. 당사는 은행이나 직접 대출 기관이 아닙니다. 모든 대출 승인은 자금을 제공하는 대출 기관이 정한 최종 인수심사 및 검증 조건의 적용을 받습니다.","legal.termsSmsProgramHeading":"5. SMS 프로그램","legal.termsSmsIntro":"Unified Loan System는 회원가입, 계정 설정 또는 대출 신청의 일부로 휴대폰 번호를 제공하고 SMS 동의 박스를 체크하여 적극적으로 수신을 선택한 사용자에게 거래성 SMS 메시지(2단계 인증 코드, 보안 알림, 대출 상태 업데이트, 문서 요청, 전자 서명 링크 및 마감 알림 포함)를 발송합니다. 당사는 마케팅 또는 홍보성 SMS를 발송하지 않습니다.","legal.termsSmsOptOutLabel":"수신 거부:","legal.termsSmsOptOutBefore":"문자로","legal.termsSmsOptOutMiddle":"를 Unified Loan System의 SMS로 보내면 향후 메시지가 취소됩니다. 도움이 필요하면","legal.termsSmsOptOutHelp":"로 문자를 보내거나 다음을 방문하세요","legal.termsSmsOptOutOrEmail":"또는 다음 주소로 이메일을 보내세요","legal.termsSmsRatesLabel":"메시지 및 데이터 요금이 부과될 수 있습니다.","legal.termsSmsRatesBody":"Unified Loan System는 SMS에 대해 요금을 부과하지 않지만, 귀하의 무선 통신사는 요금제에 따라 발신 또는 수신 메시지에 대해 요금을 부과할 수 있습니다.","legal.termsSmsCarriersLabel":"통신사는 지연되거나 전달되지 않은 메시지에 대해 책임

1지지 않습니다.","legal.termsSmsCarriersBody":"개별 메시지의 전달은 보장되지 않습니다. 전체 내용은 당사의","legal.termsSmsCommunicationsTermsLink":"SMS 커뮤니케이션 약관","legal.termsSmsCarriersAfter":"에서 발송 빈도, 지원 통신사, 동의 철회 및 연락처 정보를 확인하세요.","legal.termsTerminationHeading":"6. 해지","legal.termsTerminationBody":"당사는 약관 위반을 포함하되 이에 국한되지 않는 어떠한 이유로든 제한 없이, 당사의 단독 재량에 따라, 사전 통지나 책임 없이 즉시 귀하의 계정을 해지 또는 정지하고 서비스 접근을 차단할 수 있습니다.","legal.termsModificationsHeading":"7. 변경 및 중단","legal.termsModificationsBody":"당사는 통지 없이 당사의 단독 재량으로 언제든지 또는 어떤 이유로든 본 사이트의 콘텐츠를 변경, 수정 또는 삭제할 권리를 보유합니다. 당사는 본 사이트의 변경, 가격 변동, 정지 또는 중단에 대해 귀하 또는 제3자에게 책임을 지지 않습니다.","legal.privacyLastUpdated":"최종 업데이트: 2026년 6월 2일.","legal.privacyFirstLabel":"귀하의 개인정보 보호 최우선","legal.privacyFirstBody":"Unified Loan System는 귀하의 휴대폰 번호나 SMS 동의 데이터를 제3자나 마케팅 제휴사에 판매, 임대 또는 공유하지 않습니다. SMS 수신 동의는 철저히 기밀로 유지되며 귀하가 명시적으로 요청한 거래성 메시지를 전달하는 데에만 사용됩니다.","legal.privacyTocIntroduction":"1. 소개","legal.privacyTocInfoCollect":"2. 당사가 수집하는 정보","legal.privacyTocHowWeUse":"3. 당사의 정보 이용 방식","legal.privacyTocSharing":"4. 귀하의 정보 공유","legal.privacyTocDataSecurity":"5. 데이터 보안","legal.privacyTocMobileSms":"6. 모바일 정보 및 SMS 데이터","legal.privacyTocGoogleData":"7. Google 사용자 데이터","legal.privacyTocContact":"8. 문의하기","legal.privacyIntroHeading":"1. 소개","legal.privacyIntroBody":"Unified Loan System(이하 “당사” 또는 “당사의”)에 오신 것을 환영합니다. 당사는 귀하의 개인정보와 프라이버시 권리를 보호하기 위해 최선을 다하고 있습니다. 본 개인정보 처리방침은 귀하가 당사 웹사이트를 방문하고 서비스를 이용할 때 당사가 귀하의 정보를 어떻게 수집, 이용, 공개 및 보호하는지 설명합니다.","legal.privacyInfoCollectHeading":"2. 당사가 수집하는 정보","legal.privacyInfoCollectIntro":"당사는 귀하가 다음을 수행할 때 자발적으로 제공하는 정보를 수집합니다:","legal.privacyInfoCollectItem1":"웹사이트에 등록할 때","legal.privacyInfoCollectItem2":"대출 신청서나 문서를 제출할 때","legal.privacyInfoCollectItem3":"지원을 받기 위해 문의할 때","legal.privacyInfoCollectItem4":"설문조사나 프로모션에 참여할 때","legal.privacyInfoCollectBody":"여기에는 대출 처리에 필요한 이름, 이메일 주소, 전화번호, 재무 정보 및 고용 정보가 포함될 수 있습니다.","legal.privacyHowWeUseHeading":"3. 당사의 정보 이용 방식","legal.privacyHowWeUseIntro":"당사는 수집하거나 수신한 정보를 다음 목적으로 이용합니다:","legal.privacyHowWeUseItem1":"계정 생성 및 로그인 절차 지원","legal.privacyHowWeUseItem2":"대출 신청 및 인수심사 처리","legal.privacyHowWeUseItem3":"관리 정보 발송","legal.privacyHowWeUseItem4":"당사의 서비스 및 법적 권리 보호","legal.privacyHowWeUseItem5":"법적 요청에 대응하고 피해 방지","legal.privacySharingHeading":"4. 귀하의 정보 공유","legal.privacySharingBefore":"당사는 데이터 분석, 이메일 전송, 호스팅 서비스, 고객 서비스 및 마케팅 지원을 포함하여 당사를 위해 또는 당사를 대신해 서비스를 수행하는 제3자와 정보를 공유할 수 있습니다. 당사는 제3자의 자체 마케팅 목적을 위해 귀하의 개인정보를 판매하지 않습니다. 당사가 협력하는 구체적인 업체는","legal.privacySharingSubProcessorLink":"하위 처리자 목록","legal.privacySharingAfter":"을(를) 참조하세요.","legal.privacyDataSecurityHeading":"5. 데이터 보안","legal.privacyDataSecurityBo

1dy":"당사는 귀하의 개인정보를 보호하기 위해 관리적, 기술적, 물리적 보안 조치를 사용합니다. 당사는 귀하가 제공한 개인정보를 보호하기 위해 합리적인 조치를 취했지만, 당사의 노력에도 불구하고 완벽하거나 뚫리지 않는 보안 조치는 없으며, 어떠한 데이터 전송 방법도 가로채기나 기타 유형의 오용으로부터 보장될 수 없음을 유의하시기 바랍니다.","legal.privacyMobileSmsHeading":"6. 모바일 정보 및 SMS 데이터","legal.privacyMobileSmsBody1":"귀하가 회원가입, 계정 설정 또는 대출 신청의 일부로 휴대폰 번호를 제공하고 SMS 메시지 수신에 적극적으로 동의하는 경우, Unified Loan System는 귀하의 계정 및 진행 중인 대출 파일과 관련된 거래성 문자 메시지(인증 코드, 대출 상태 업데이트, 전자 서명 요청 및 계정 보안 알림)를 발송합니다.","legal.privacyMobileSmsBody2":"어떠한 모바일 정보도 마케팅/홍보 목적으로 제3자/제휴사와 공유되지 않습니다. 위의 모든 범주는 문자 메시지 발신자의 수신 동의 데이터 및 동의를 제외하며, 이 정보는 어떠한 제3자와도 공유되지 않습니다.","legal.privacyMobileSmsBefore":"전체 메시지 프로그램 설명, 수신 거부 키워드, 발송 빈도, 지원 통신사 및 동의 철회 세부 사항은 당사의","legal.privacyMobileSmsAfter":"을(를) 참조하세요.","legal.privacyGoogleDataHeading":"7. Google 사용자 데이터","legal.privacyGoogleDataGmailBefore":"귀하가 Google 계정을 연결하면 Unified Loan System는 귀하의 Gmail에 대한 읽기 전용 접근 권한을 요청합니다","legal.privacyGoogleDataCalendarBefore":"그리고 귀하의 Google 캘린더 일정에 대한 접근 권한","legal.privacyGoogleDataUsage":"당사는 Gmail 읽기 전용 접근 권한을 오직 귀하가 최근 보낸 이메일 샘플을 가져와 개인화된 작문 스타일 모델을 학습시키는 데에만 사용하여, 당사의 AI 어시스턴트가 귀하의 어조로 메시지를 작성할 수 있도록 합니다. 당사는 귀하의 이메일을 발송, 수정 또는 삭제하지 않습니다. 당사는 캘린더 접근 권한을 오직 귀하의 대출 워크플로 내에서 일정 관리를 위한 일정을 생성하고 읽는 데에만 사용합니다.","legal.privacyGoogleDataAdheresBefore":"Unified Loan System가 Google API로부터 수신한 정보를 사용 및 전송하는 것은","legal.privacyGoogleDataPolicyLink":"Google API 서비스 사용자 데이터 정책","legal.privacyGoogleDataAdheresAfter":"을(를) 준수하며, 여기에는 제한적 사용 요건이 포함됩니다.","legal.privacyGoogleDataNoSell":"당사는 이러한 기능을 제공하거나, 관련 법률을 준수하거나, 합병 또는 인수의 일부인 경우를 제외하고는 Google 사용자 데이터를 판매하거나, 광고에 사용하거나, 타인에게 전송하지 않습니다. 귀하는 설정에서 Google 연결을 해제하거나 Google 계정 권한을 통해 언제든지 접근 권한을 철회할 수 있으며, 이 경우 저장된 이메일 샘플이 삭제됩니다.","legal.privacyContactHeading":"8. 문의하기","legal.privacyContactBefore":"본 방침에 대한 질문이나 의견이 있으시면 다음 주소로 이메일을 보내주세요","legal.cookieTitle":"쿠키 정책","legal.cookieUseHeading":"1. 쿠키 사용","legal.cookieUseBody":"Unified Loan System는 당사 웹사이트에서의 귀하의 경험을 개선하기 위해 쿠키를 사용합니다. 쿠키는 표준 인터넷 로그 정보와 방문자 행동 정보를 수집하기 위해 귀하의 컴퓨터에 저장되는 텍스트 파일입니다. 귀하가 당사 웹사이트를 방문하면 당사는 쿠키 또는 유사 기술을 통해 귀하의 정보를 자동으로 수집할 수 있습니다.","legal.cookieHowHeading":"2. 당사의 쿠키 사용 방식","legal.cookieHowIntro":"당사는 다음을 포함하여 다양한 방식으로 쿠키를 사용하여 당사 웹사이트에서의 귀하의 경험을 개선합니다:","legal.cookieHowItem1":"로그인 상태 유지","legal.cookieHowItem2":"귀하의 웹사이트 이용 방식 파악","legal.cookieHowItem3":"귀하의 환경설정 저장","legal.cookieTypesHeading":"3. 당사가 사용하는 쿠키 유형","legal.cookieFunctionalityHeading":"기능","legal.cookieFunctionalityBo

1dy":"당사는 이러한 쿠키를 사용하여 당사 웹사이트에서 귀하를 인식하고 귀하가 이전에 선택한 환경설정을 기억합니다. 여기에는 귀하가 선호하는 언어와 위치가 포함될 수 있습니다.","legal.cookieSecurityHeading":"보안","legal.cookieSecurityBody":"당사는 보안 쿠키를 사용하여 사용자를 인증하고, 로그인 자격 증명의 부정 사용을 방지하며, 사용자 데이터를 무단 당사자로부터 보호합니다.","legal.cookieManagingHeading":"4. 쿠키 관리","legal.cookieManagingBody":"귀하는 쿠키를 허용하지 않도록 브라우저를 설정할 수 있습니다. 다만, 일부 경우에는 ê·¸ 결과로 당사 웹사이트의 일부 기능이 제대로 작동하지 않을 수 있습니다.","legal.disclaimerTitle":"면책 조항","legal.disclaimerWebsiteHeading":"1. 웹사이트 면책 조항","legal.disclaimerWebsiteBody":'Unified Loan System("당사" 또는 "당사의")가 본 웹사이트에서 제공하는 정보는 일반적인 정보 제공 목적으로만 제공됩니다. 본 사이트의 모든 정보는 선의로 제공되나, 당사는 본 사이트 정보의 정확성, 적절성, 유효성, 신뢰성, 가용성 또는 완전성에 관하여 명시적이든 묵시적이든 어떠한 진술이나 보증도 하지 않습니다.',"legal.disclaimerFinancialHeading":"2. 재무 면책 조항","legal.disclaimerFinancialBody":"본 사이트는 재무 자문을 포함하지 않습니다. 재무 정보는 일반적인 정보 제공 및 교육 목적으로만 제공되며 전문적인 자문을 대체하지 않습니다. 그러한 정보에 근거하여 어떠한 조치를 취하기 전에, 당사는 귀하께서 해당 전문가와 상담하시기를 권장합니다. 당사는 어떠한 종류의 재무 자문도 제공하지 않습니다. 본 사이트에 포함된 정보의 사용 또는 의존은 전적으로 귀하 본인의 책임입니다.","legal.disclaimerExternalLinksHeading":"3. 외부 링크 면책 조항","legal.disclaimerExternalLinksBody":"본 사이트는 제3자에 속하거나 제3자로부터 비롯된 다른 웹사이트나 콘텐츠로 연결되는 링크, 또는 배너나 기타 광고에 포함된 웹사이트 및 기능으로 연결되는 링크를 포함할 수 있습니다(또는 귀하가 본 사이트를 통해 그러한 링크로 이동될 수 있습니다). 그러한 외부 링크는 정확성, 적절성, 유효성, 신뢰성, 가용성 또는 완전성에 대해 당사가 조사, 모니터링 또는 확인하지 않습니다.","mktg.featuresHeroEyebrow":"플랫폼 기능","mktg.featuresHeroTitleLine1":"필요한 모든 것","mktg.featuresHeroTitleLine2":"더 빠른 마감을 위해","mktg.featuresHeroSubtitle":"하나의 플랫폼으로 전체 대출 개시 라이프사이클을 처리합니다 — AI 심사, 문서 검증, 컴플라이언스, 전자서명, CRMê¹

1Œì§€. 추가 부가 기능이 필요 없습니다.","mktg.featAiCategory":"AI 및 심사","mktg.featAiHeadline":"AI 기반 심사","mktg.featAiSubhead":"몇 시간 후가 아니라 즉시 결정을 받으세요.","mktg.featAiDesc":"당사의 AI 엔진은 수천 개의 데이터 포인트를 실시간으로 분석하여 정확한 사전 승인을 제공하고 조건을 미리 보여줍니다. 심사관이 전화를 받기를 기다리지 마세요.","mktg.featAiBullet1":"전체 ì¡°ê±´ 목록이 포함된 즉시 사전 승인서","mktg.featAiBullet2":"1003 양식의 누락 항목과 연동된 자동 STIP 생성","mktg.featAiBullet3":"실제 제출 전 DU/LP AUS ê²°ê³¼ 시뮬레이션","mktg.featAiBullet4":"대출별 설명 가능한 근거가 포함된 리스크 점수","mktg.featDocsCategory":"문서","mktg.featDocsHeadline":"뉴럴 문서 검증","mktg.featDocsSubhead":"더 이상 PDF를 수동으로 읽지 마세요.","mktg.featDocsDesc":"당사의 OCR 파이프라인은 급여명세서, W-2, 1099, 세금 신고서, 은행 명세서를 판독합니다. 추출된 데이터를 1003 양식과 교차 검증하고 모든 불일치를 자동으로 표시합니다.","mktg.featDocsBullet1":"이중 공급업체 합의 OCR (Textract + Gemini Vision)","mktg.featDocsBullet2":"선명한 문서에서 99.7% 정확도, 예외 상황에서도 안정적 폴백","mktg.featDocsBullet3":"AAMVA 바코드 스캔이 포함된 신분증 앞면 + 뒷면 캡처","mktg.featDocsBullet4":"저장 전 확인 UI — 추출된 데이터가 대출 파일에 반영되기 전에 미리 확인","mktg.featPipelineCategory":"파이프라인","mktg.featPipelineHeadline":"풀스택 대출 개시","mktg.featPipelineSubhead":"전체 파이프라인을 하나의 대시보드에서.","mktg.featPipelineDesc":"게스트 1003부터 전자서명, 대출 기관 인계까지 — 전체 개시 워크플로가 Unified Loan System 안에 있습니다. 스프레드시트, 이메일 체인, 타사 LOS가 필요 없습니다.","mktg.featPipelineBullet1":"실시간 상태 추적이 가능한 칸반 파이프라인","mktg.featPipelineBullet2":"자체 전자서명(PAdES) — 봉투당 DocuSign 수수료 없음","mktg.featPipelineBullet3":"UWM 및 기타 도매 대출 기관을 위한 MISMO 3.4 대출 기관 내보내기","mktg.featPipelineBullet4":"전자서명 감사 추적: 이벤트별 IP, 타임스탬프, 서명 필드","mktg.featCrmCategory":"CRM","mktg.featCrmHeadline":"CRM + AI 이메일 캠페인","mktg.featCrmSubhead":"두뇌를 갖춘 연락처.","mktg.featCrmDesc":"리드, 대출자, 파트너, 아웃리치 연락처를 위한 내장 CRM. Breeze AI가 캠페인을 작성하고 예약하며, 재참여를 처리하고, 마감 후 후속 연락을 자동으로 보냅니다.","mktg.featCrmBullet1":"통합 인물 목록: 리드, 대출자, 파트너, 연락처","mktg.featCrmBullet2":"Breeze AI가 세그먼트 수준에서 맞춤형 이메일 문구를 작성합니다","mktg.featCrmBullet3":"업무 시간 제한 + 발송 레일이 적용된 자동 캠페인","mktg.featCrmBullet4":"설정 가능한 일정에 따른 재참여 및 마감 후 후속 연락","mktg.featComplianceCategory":"컴플라이언스","mktg.featComplianceHeadline":"내장 컴플라이언스 엔진","mktg.featComplianceSubhead":"수작업 부담 없이 깔끔하게 유지하세요.","mktg.featComplianceDesc":"ATR, HMDA, OFAC, 주(州) 단위 고비용 검사가 모든 대출 편집 시 자동으로 실행됩니다. 감사 추적, LAR 내보내기, MISMO 인계로 언제든 심사 준비 상태를 유지합니다.","mktg.featComplianceBullet1":"모든 대출 저장 시 ATR(Reg Z), HMDA, OFAC 스크리닝","mktg.featComplianceBullet2":"주(州) 라우팅: CA, NY, TX, FL 고비용 + 연방 \xa71026.32","mktg.featComplianceBullet3":"/admin/audit의 감사 로그 — 대출별 전체 이벤트 기록","mktg.featComplianceBullet4":"HMDA LAR CSV 내보내기 및 MISMO 3.4 대출 기관 제출 파일","mktg.featSecurityCategory":"보안","mktg.featSecurityHeadline":"엔터프라이즈급 보안","mktg.featSecuritySubhead":"모기지 데이터의 민감성을 고려해 설계되었습니다.","mktg.featSecurityDesc":"3단계 보안 강화 — 계정 잠금, MFA, 패스키, ì

1„¸ì…˜ 바인딩, 불가능 이동 탐지, 모든 민감 작업에 대한 단계적 인증.","mktg.featSecurityBullet1":"브로커를 위한 패스키(WebAuthn) + TOTP MFA","mktg.featSecurityBullet2":"신용 조회, 금리 고정, SSN/생년월일 공개 시 단계적 인증","mktg.featSecurityBullet3":"불가능 이동 알림 + 모든 기기 로그아웃","mktg.featSecurityBullet4":"세션 IP/UA 바인딩 + 유휴 시간 초과 적용","mktg.featuresCtaTitlePrefix":"준비되셨나요","mktg.featuresCtaTitleHighlight":"직접 확인해 볼까요?","mktg.featuresCtaSubtitle":"무료 계정을 만들고 10분 이내에 첫 대출을 플랫폼에서 처리해 보세요.","mktg.featuresCtaFinePrint":"신용카드 불필요 \xb7 14일 체험 \xb7 언제든지 취소","mktg.benefitsHeroEyebrow":"왜 Unified Loan System인가","mktg.benefitsHeroTitlePrefix":"가입해야 하는 이유","mktg.benefitsHeroSubtitle":"저희는 단순한 플랫폼이 아니라 여러분의 성장 파트너입니다. 브로커가 더 적은 부담으로 더 많이, 더 빠르게 마감하도록 어떻게 돕는지 확인하세요.","mktg.metricFasterClosingsLabel":"더 빠른 마감","mktg.metricFasterClosingsDesc":"자동화된 워크플로와 즉각적인 AI 결정으로 평균 clear-to-close 시간이 30일에서 10일로 단축됩니다.","mktg.metricAlwaysOnLabel":"항상 가동","mktg.metricAlwaysOnDesc":"새벽 2시에도 심사 결정을 시뮬레이션하세요. 심사관이 전화를 받기를 기다릴 필요가 없습니다.","mktg.metricTransparentLabel":"투명함","mktg.metricTransparentDesc":"여러분과 대출자를 위한 실시간 상태 업데이트. 블랙박스식 거절은 절대 없습니다.","mktg.metricLessManualLabel":"더 적은 수작업","mktg.metricLessManualDesc":"브로커들은 뉴럴 OCR 검증으로 전환한 후 문서 검토 시간이 60% 줄었다고 보고합니다.","mktg.benefitsGridTitlePrefix":"해결하기 위해 설계됨","mktg.benefitsGridTitleHighlight":"실제 문제","mktg.benefitsGridSubtitle":"모든 기능은 대출 개시 워크플로의 특정 문제점을 중심으로 설계되었습니다.","mktg.benefitNoManualReviewTitle":"더 이상 수동 문서 검토는 없습니다","mktg.benefitNoManualReviewDesc":"급여명세서, W-2, 은행 명세서, 세금 신고서를 업로드하세요. 당사의 AI가 모든 숫자를 자동으로 판독, 추출하여 1003 양식과 교차 검증합니다.","mktg.benefitStayEngagedTitle":"실제로 계속 참여하는 대출자","mktg.benefitStayEngagedDesc":"화이트라벨 대출자 포털은 모든 단계에서 대출자에게 정보를 제공합니다. Breeze AI가 후속 연락을 처리하므로 직접 하실 필요가 없습니다.","mktg.benefitComplianceTitle":"컴플라이언스 불안 없이 마감하세요","mktg.benefitComplianceDesc":"모든 대출은 ATR, HMDA, OFAC 및 주(州) 고비용 규정에 따라 자동으로 검사됩니다. 감사 추적과 LAR 내보내기가 항상 준비되어 있습니다.","mktg.benefitEsignTitle":"봉투당 수수료 없는 전자서명","mktg.benefitEsignDesc":"자체 PAdES 전자서명이 모든 유료 요금제에 포함됩니다. 월말에 DocuSign 청구서 없이 무제한 서명 패킷을 보내세요.","mktg.benefitScaleTitle":"인력 증원 없이 확장하세요","mktg.benefitScaleDesc":"자동화 계층이 상태 업데이트, 재참여, ì¡°ê±´ 추적, 대출 기관 인계를 처리하므로 팀 규모를 늘리지 않고도 더 많은 일을 할 수 있습니다.","mktg.benefitYourDataTitle":"여러분의 데이터, 여러분의 인프라","mktg.benefitYourDataDesc":"문서는 MinIO를 통해 여러분의 NAS 또는 선택한 클라우드에 저장됩니다. 당사는 대출자 데이터를 절대 볼모로 잡지 않습니다 — 언제든지 내보내세요.","mktg.benefitsCtaTitle":"파이프라인을 성장시킬 준비가 되셨나요?","mktg.benefitsCtaSubtitle":"더 적은 노력으로 더 빠르게 마감하기 위해 Unified Loan System를 신뢰하는 고성과 브로커들과 함께하세요.","mktg.pricingHeroTitleLine1":"간단한 요금제.","mktg.pricingHeroTitleLine2":"예상치 못한 비용 없음.","mktg.pricingHeroSubtitle":"무료로 시작하세요. 필요할 때 업그레이드하세요. 모든 요금제에 전체 AI 엔진이 포함되며, 핵심 심사 기능에는 제한이 없습니다.","mktg.pricingHeroFinePrint":"유료 요금제 14일 무료 체험 \xb7 언제든지 취소 \xb7 시작 시 신용카드 불필요","mktg.priceFree":"무료","mktg.priceCustom"

1:"맞춤형","mktg.tierStarterName":"스타터","mktg.tierStarterSub":"신용카드 불필요","mktg.tierStarterDesc":"이제 막 시작하는 브로커를 위한 요금제. 전체 플랫폼 액세스, 약정 없음.","mktg.tierStarterCta":"무료로 시작","mktg.tierStarterFeature1":"활성 대출 파이프라인 1개","mktg.tierStarterFeature2":"AI 심사 어시스턴트 (월 5회 조회)","mktg.tierStarterFeature3":"대출자 포털 (사용자 1명)","mktg.tierStarterFeature4":"표준 문서 업로드","mktg.tierStarterFeature5":"이메일 지원","mktg.tierStarterMissing1":"대량 파이프라인","mktg.tierStarterMissing2":"팀 좌석","mktg.tierStarterMissing3":"API 액세스","mktg.tierStarterMissing4":"우선 온보딩","mktg.tierBrokerName":"브로커","mktg.tierBrokerSub":"월간, 매월 청구","mktg.tierBrokerDesc":"월 5~20건의 대출을 마감하는 1인 브로커 및 소규모 사무소를 위한 전체 플랫폼.","mktg.tierBrokerCta":"14일 체험 시작","mktg.tierBrokerBadge":"가장 인기","mktg.tierBrokerFeature1":"무제한 활성 파이프라인","mktg.tierBrokerFeature2":"AI 심사 (무제한)","mktg.tierBrokerFeature3":"뉴럴 OCR 문서 검증","mktg.tierBrokerFeature4":"대출자 포털 (무제한 대출자)","mktg.tierBrokerFeature5":"CRM + AI 이메일 캠페인","mktg.tierBrokerFeature6":"컴플라이언스 엔진 (ATR, HMDA, 주(州) 규정)","mktg.tierBrokerFeature7":"MISMO 3.4 내보내기","mktg.tierBrokerFeature8":"AUS 결과 (DU/LP)","mktg.tierBrokerFeature9":"전자서명 (자체, 봉투당 수수료 없음)","mktg.tierBrokerFeature10":"우선 이메일 + 채팅 지원","mktg.tierBrokerMissing1":"팀 좌석","mktg.tierBrokerMissing2":"화이트라벨 브랜딩","mktg.tierBrokerMissing3":"API 액세스","mktg.tierTeamName":"팀","mktg.tierTeamSub":"월간, 최대 5 좌석","mktg.tierTeamDesc":"여러 명의 LO를 둔 성장하는 브로커리지를 위한 요금제. 공유 파이프라인, 통합 보고.","mktg.tierTeamCta":"14일 체험 시작","mktg.tierTeamFeature1":"브로커 요금제의 모든 기능","mktg.tierTeamFeature2":"최대 5개 LO 좌석 (이후 좌석당 $49)","mktg.tierTeamFeature3":"공유 파이프라인 대시보드","mktg.tierTeamFeature4":"화이트라벨 대출자 포털","mktg.tierTeamFeature5":"팀 성과 보고서","mktg.tierTeamFeature6":"Webhook + Zapier 통합","mktg.tierTeamFeature7":"전담 온보딩 통화","mktg.tierTeamFeature8":"전화 + 우선 지원","mktg.tierTeamMissing1":"맞춤형 API SLA","mktg.tierTeamMissing2":"전담 CSM","mktg.tierEnterpriseName":"엔터프라이즈","mktg.tierEnterpriseSub":"볼륨 가격 제공","mktg.tierEnterpriseDesc":"대형 브로커리지, 애그리게이터, 기술 파트너를 위한 요금제. 함께 무언가를 만들어 봅시다.","mktg.tierEnterpriseCta":"영업팀에 문의","mktg.tierEnterpriseFeature1":"팀 요금제의 모든 기능","mktg.tierEnterpriseFeature2":"무제한 좌석","mktg.tierEnterpriseFeature3":"맞춤형 API SLA + 원시 데이터 액세스","mktg.tierEnterpriseFeature4":"전담 고객 성공 관리자","mktg.tierEnterpriseFeature5":"맞춤형 통합 (Encompass, LendingPad)","mktg.tierEnterpriseFeature6":"SSO / SAML","mktg.tierEnterpriseFeature7":"감사 로그 내보내기","mktg.tierEnterpriseFeature8":"NDA + 맞춤형 DPA","mktg.tierEnterpriseFeature9":"SLA 가동 시간 보장 (99.9%)","mktg.addOnsTitle":"패스스루 공급업체 비용","mktg.addOnsBodyPart1":"타사 비용(신용 조회 약 $15~35/트라이머지, Plaid 은행 소득 보고서, 등록 수수료)은 실제 비용으로 청구되며","mktg.addOnsZeroMarkup":"마진 없음","mktg.addOnsBodyPart2":". 이러한 비용은 월별 청구서에 별도 항목으로 표시되어 정확히 얼마를 지불했는지 항상 알 수 있습니다.","mktg.faqTitlePrefix":"자주 묻는","mktg.faqTitleHighlight":"질문","mktg.faqLoanPullQ":'스타터 요금제에서 "대출 조회"로 간주되는 것은 무엇인가요?',"mktg.faqLoanPullA":"조회란 Unified Loan System의 AI 엔진이 전체 1003 양식과 문서 세트를 심사 지침에 따라 분석하는 모든 경우를 말합니다. 문서 업로드만으로는 포함되지 않습니다.","mktg.faqTrialCardQ":"무료 체험에 신용카드가 필요한가요?","mktg.faqTrialCardA":"아니요. 이메일과 NMLS 번호만으로 14일 브로커 또는 팀 체험을 시작할 수 있습니다. 계속 이용하기로 선택한 경우에만 카드가 필요합니다.","mktg.faqSwitchPlansQ":"주기 중간에 요금제를 변경할 수 있나요?","mktg.faqSwitchPlansA":"네. 업그레이드는 즉시 적용되며 일할 계산됩니다. 다운그레이드는 다음 청구 주기 시작 시점에 적용됩니다.","mktg.faqEsignPricingQ":"전자서명 요금은 어떻게 책정되나요?","mktg.faqEsignPricingA":"모든 유료 요금제에는 봉투당 수수료 없이 무제한 자

1ì²´ 전자서명 봉투가 포함됩니다. 당사는 자체 PAdES 준수 서명 인프라를 사용합니다 — DocuSign 마진이 없습니다.","mktg.faqPassThroughQ":"사용량 기반 패스스루 비용이 포함되나요?","mktg.faqPassThroughA":"신용 조회, Plaid 은행 소득 보고서 및 기타 타사 공급업체 비용은 마진 없이 원가로 청구됩니다. 청구서에서 항목별 요금을 확인할 수 있습니다.","mktg.faqFirstLoanQ":"첫 실제 대출을 마감하면 어떻게 되나요?","mktg.faqFirstLoanA":"자동으로 변경되는 것은 없습니다. 기존 요금제를 유지합니다. 확장할 준비가 되면 당사 팀이 최적화를 도와드립니다.","mktg.pricingCtaTitlePrefix":"준비되셨나요","mktg.pricingCtaTitleHighlight":"시작할까요?","mktg.pricingCtaSubtitle":"이미 Unified Loan System에서 더 빠르게 마감하고 있는 브로커들과 함께하세요. 약정 없음, 설정 수수료 없음.","mktg.ctaStartFreeTrial":"무료 체험 시작","mktg.ctaViewPricing":"요금제 보기","mktg.ctaSeePricing":"요금제 확인","mktg.ctaGetStartedNow":"지금 시작하기","mktg.ctaCreateFreeAccount":"무료 계정 만들기","mktg.ctaTalkToSales":"영업팀에 문의","about.heroEyebrow":"Unified Loan System 소개","about.heroTitleLine1":"브로커에게 힘을 더하는","about.heroTitleLine2":"지능형 자동화","about.heroSubtitle":"Unified Loan System는 대출의 미래가 빠르게 움직이는 이들의 것이라고 믿습니다. ê·¸ 주인공이 바로 여러분이 되도록 인프라를 구축하고 있습니다.","about.statActiveBrokers":"활ì„

1± 브로커","about.statLoansOriginated":"개시된 대출","about.statPlatformUptime":"플랫폼 가동 시간","about.statFasterThanManual":"수작업보다 빠름","about.missionEyebrow":"사명","about.missionTitleLead":"없애다","about.missionTitleAccent":"대출의 마찰","about.missionPara1":"모기지 업계는 서류 작업, 수작업 검토, 불투명한 심사 결정에 파묻혀 과거에 머물러 있었습니다. 우리는 더 나은 방법을 찾았습니다.","about.missionPara2":"AI가 문서 분석과 ì¡°ê±´ 생성이라는 고된 작업을 처리하도록 함으로써, 브로커가 가장 잘하는 일에 집중하게 합니다: 관계를 구축하고 거래를 성사시키는 일입니다.","about.value1Title":"투명성 우선","about.value1Desc":"블랙박스식 거절은 없습니다. 모든 AI 발견 사항은 설명과 함께 제시되어 심사자가 보는 내용을 정확히 이해할 수 있습니다.","about.value2Title":"속도를 기준으로","about.value2Desc":"결정은 며칠이 아닌 몇 분 만에, 자금 지원은 몇 주가 아닌 ë©°ì¹  만에. 우리는 섬기는 모든 브로커에게 절약해 준 시간으로 성공을 측정합니다.","about.value3Title":"브로커 우선","about.value3Desc":"여러분이 대출을 성사시킬 때에만 우리도 성공합니다. 모든 제품 결정은 다음 질문에서 시작됩니다: 이것이 브로커가 대출을 성사시키기 더 쉽게 만드는가?","about.teamEyebrow":"팀","about.teamTitleLead":"만든 사람들","about.teamTitleAccent":"전문가","about.teamSubtitle":"엔지니어, 데이터 과학자, 그리고 모기지 베테랑이 함께 시장 최고의 대출 개시 플랫폼을 선보입니다.","about.pillarEngineeringTitle":"엔지니어링","about.pillarEngineeringDesc":"핀테크와 분산 시스템 배경을 갖춘 시스템 엔지니어들. 우리는 첫날부터 확장성과 규정 준수를 염두에 두고 구축합니다.","about.pillarMortgageTitle":"모기지","about.pillarMortgageDesc":"심사와 대출 개시 분야에서 합산 20년 이상의 경험. 우리는 가이드라인, ì¡°ê±´, 그리고 어려움을 잘 알고 있습니다.","about.pillarProductTitle":"제품","about.pillarProductDesc":"가능한 한 가장 매끄러운 워크플로에 집착합니다. 우리는 시장의 어떤 모기지 기술 업체보다 빠르게 프로토타입을 만들고 테스트하고 출시합니다.","about.ctaTitleLead":"함께하세요","about.ctaTitleAccent":"혁명에","about.ctaSubtitle":"더 이상 힘든 방식으로 대출을 처리하지 마세요. 오늘 Unified Loan System의 차이를 경험하세요.","about.ctaBecomePartner":"파트너 되기","about.ctaViewPricing":"요금제 보기","about.contactHeroEyebrow":"문의하기","about.contactHeroTitleLead":"도와드리겠습니다","about.contactHeroTitleAccent":"마감을 돕겠습니다.","about.contactHeroSubtitle":"제품 지원이 필요하시든, 엔터프라이즈 요금에 대해 상담하고 싶으시든, 규정 준수 관련 문의가 있으시든 적합한 팀에 직접 연락하세요.","about.contactSalesTitle":"영업","about.contactSalesDesc":"가격 문의, 대량 거래, 엔터프라이즈 계약, 대출 기관 연동.","about.contactSalesAction":"영업팀에 이메일 보내기","about.contactSupportTitle":"브로커 지원","about.contactSupportDesc":"플랫폼 지원, 파이프라인 관련 문의, 문서 검증 문제 해결.","about.contactSupportAction":"지원 채팅 열기","about.contactPartnershipTitle":"파트너십 및 규정 준수","about.contactPartnershipDesc":"공급업체 온보딩, DPA/MSA ì²´ê²°, CASA 서류, 대출 기관 API 문의.","about.contactPartnershipAction":"파트너십팀에 이메일 보내기","about.contactPressTitle":"미디어 및 언론","about.contactPressDesc":"보도 자료, 인터뷰 요청, Unified Loan System 또는 모기지 AI 분야에 대한 편집 문의.","about.contactPressAction":"언론팀에 이메일 보내기","about.officeLocation":"캘리포니아주 샌루이스오비스포 \xb7 캘리포니아 인가(DBO)","about.officeLegalNote":"Unified Loan System는 캘리포니아 S-Corp인 California Mortgage Solutions의 상호명입니다. 모든 공급업체 계약은 해당 법인 명의로 체결됩니다.","about.contactCtaTitle":"어디서부터 시작할지 모르시겠나요?","about.contactCtaSubtitle":"무료 계정을 만들고 플랫폼을 살펴보세요. 의무 사항 없음.","about.contactCtaButton":"무료로 시작하기","about.setupErrMissingTokenTitle":"초대 토큰 누락","about.setupErrMissingTokenMsg":"사용하신 링크에 필수 토큰이 없습니다. 브로커에게 초대장을 다시 보내달라고 요청하세요.","about.setupErrInvalidTitle":"유효하지 않은 초대","about.setupErrMismatchTitle":"초대 불일치","about.setupErrMismatchMsg":"이 초대 링크는 발급된 이메일과 일치하지 않습니다. 이메일에 있는 링크를 정확히 사용하세요.","about.setupHeading":"비밀번호 설정","about.setupWelcomeLead":"Unified Loan System에 오신 것을 환영합니다. 다음 계정을 설정하고 있습니다","about.setupErrFooter":"오류라고 생각되시면 브로커에게 연락하여 새 초대장을 받으세요.","about.setupValTooShort":"비밀번호는 최소 {min}자 이상이어야 합니다.","about.setupValComplexity":"비밀번호에는 대문자, 소문자, 숫자가 포함되어야 합니다.","about.setupValMismatch":"비밀번호가 일치하지 않습니다.","about.setupErrFallback":"설정에 실패했습니다. 다시 시도하거나 브로커에게 새 초대장을 요청하세요.","about.setupNetworkError":"네트워크 오류입니다. 다시 시도하세요.","about.setupNewPasswordLabel":"새 비밀번호","about.setupPasswordHint":"대문자, 소문자, 숫자를 포함한 최소 {min}자.","about.setupConfirmPasswordLabel":"비밀번호 확인","about.setupSubmitting":"저장 중…","about.setupSubmit":"비밀번호 설정 후 계속","home.statActiveBrokers":"활ì„

1± 브로커","home.statLoansProcessed":"처리된 대출","home.statPlatformUptime":"플랫폼 가동 시간","home.statBrokerRating":"브로커 평점","home.featureAiUnderwritingTitle":"AI 심사","home.featureAiUnderwritingDesc":"머신러닝 기반의 즉각적인 사전 승인. AI가 몇 초 만에 대출자 데이터를 분석하고 명확한 조건을 제시합니다.","home.featureDocVerificationTitle":"문서 검증","home.featureDocVerificationDesc":"신경망 OCR이 급여명세서, W-2, 은행 명세서, 세금 신고서를 읽습니다. 1003 양식과 데이터를 자동으로 교차 검증합니다.","home.featurePipelineMgmtTitle":"파이프라인 관리","home.featurePipelineMgmtDesc":"신청부터 마감까지 모든 대출을 추적하세요. 칸반 보드, 자동 상태 업데이트, 실시간 알림을 제공합니다.","home.featureCrmCampaignsTitle":"CRM 및 캠페인","home.featureCrmCampaignsDesc":"AI 기반 이메일 캠페인이 내장된 연락처 관리. 대출자를 세분화하고 맞춤형 아웃리치를 대규모로 발송하세요.","home.featureComplianceEngineTitle":"규정 준수 엔진","home.featureComplianceEngineDesc":"자동화된 규제 검사, MISMO 데이터 내보내기, 감사 추적. 수작업 부담 없이 규정을 준수하세요.","home.featureBorrowerPortalTitle":"대출자 포털","home.featureBorrowerPortalDesc":"대출자가 1003을 작성하고 문서를 업로드하며 대출 상태를 실시간으로 추적하는 화이트라벨 포털입니다.","home.step1Title":"몇 분 만에 시작","home.step1Desc":"브로커 계정을 만들고 NMLS를 연결한 후 10분 이내에 파이프라인을 구성하세요.","home.step2Title":"업로드 및 검증","home.step2Desc":"대출자가 1003ê³¼ 문서를 제출합니다. AI가 모든 것을 즉시 검증합니다 — 수동 검토가 필요 없습니다.","home.step3Title":"마감 및 자금 지급","home.step3Desc":"자동화된 ì¡°ê±´ 추적, 대출 기관 인계, 마감 조율. 대출이 더 빠르게 마감됩니다.","home.testimonial1Role":"Pacific Lending 수석 대출 담당자","home.testimonial1Text":"Unified Loan System는 처리 시간을 60% 단축했습니다. AI가 예전에는 수작업으로 몇 시간씩 찾던 불일치를 잡아냅니다.","home.testimonial2Role":"Summit Mortgage Group 브로커 대표","home.testimonial2Text":"대출자 포털만으로도 전환할 가치가 있었습니다. 제 고객들은 대출 상태를 실시간으로 추적할 수 있다는 점을 정말 좋아합니다.","home.testimonial3Role":"Coastline Financial 전무이사","home.testimonial3Text":"도입 이후 월간 거래량이 두 배로 늘었습니다. AI 캠페인 시스템은 기존 CRM보다 훨씬 더 많은 적격 리드를 생성합니다.","home.aiCapabilityOcr":"99.7% 정확도의 신경망 OCR 문서 추출","home.aiCapabilityVerification":"소득, 자산, 부채의 자동 검증","home.aiCapabilityDiscrepancy":"1003 필드 전반의 실시간 불일치 감지","home.aiCapabilityMismo":"MISMO 3.4 준수 데이터 내보내기","home.aiCapabilityConditioning":"예측 기반 ì¡°ê±´ 처리 및 자동 STIP 해제","home.aiCapabilityCampaigns":"맞춤형 콘텐츠를 갖춘 AI 기반 이메일 캠페인","home.heroBadge":"500명 이상의 최고 실적 브로커가 신뢰합니다","home.heroTitleLine1":"대출의 미래는","home.heroTitleLine2":"AI 기반입니다","home.heroSubtitle":"Unified Loan System는 즉각적인 AI 심사, 신경망 문서 검증, 실시간 파이프라인 관리로 브로커에게 힘을 실어줍니다. 대출을 더 빠르게 마감하고 비즈니스를 확장하세요.","home.ctaStartFreeTrial":"무료 체험 시작","home.ctaViewPricing":"요금제 보기","home.alreadyPartner":"이미 파트너이신가요?","home.logInToPortal":"포털에 로그인","home.badgeNmlsLicensed":"NMLS 라이선스 보유","home.badgeSoc2Certified":"SOC 2 인증","home.badge256Encryption":"256비트 암호화","home.badgeCcpaCompliant":"CCPA 준수","home.featuresEyebrow":"플랫폼 기능","home.featuresHeadingLead":"필요한 모든 것을 갖추어","home.featuresHeadingAccent":"더 많은 대출을 마감하세요","home.featuresSubtitle":"브로커가 브로커를 위해 만든 완전한 모기지 개시 플랫폼. 모든 도구, 모든 자동화를 하나의 대시보드에 담았습니다.","home.howItWorksEyebrow":"간단한 절차","home.howItWorksHeadingLead":"시작하기까지","home.howItWorksHeadingAccent":"단 세 단계","home.howItWorksSubtitle":"가입부터 첫 대출 마감까지 — 생각보다 빠릅니다.","home.testimonialsEyebrow":"브로커 사례","home.testimonialsHeadingLead":"신뢰받습니다","home.testimonialsHeadingAccent":"업계 최고가","home.demoDocScanLabel":"문서 스캔 완료:","home.demoDocScanValue":"W-2, 급여명세서, 은행 명세서","home.demoIncomeLabel":"소득 검증 완료:","home.demoIncomeValue":"월 {amount} 총소득","home.demoDtiLabel":"DTI 비율:","home.demoDtiValue":"{ratio} — 자격 충족","home.demoDepositLabel":"대규모 입금 표시됨:","home.demoDepositValue":"{amount} — LOE 필요","home.demoMismoLabel":"MISMO 3.4 내보내기:","home.demoMismoValue":"준비 완료","home.demoPreApprovalLabel":"사전 승인 생성 시간:","home.demoPreApprovalValue":"{seconds}초","home.aiShowcaseEyebrow":"AI 기반","home.aiShowcaseHeadingLead":"진정으로 성과를 내는","home.aiShowcaseHeadingAccent":"인텔리전스","home.aiShowcaseSubtitle":"저희 AI 엔진은 단순한 챗봇이 아닙니다 — 파이프라인의 모든 문서를 읽고, 검증하고, 확인하는 완전한 심사 코파일럿입니다.","home.ctaSeeItInAction":"실제로 확인하기","home.finalCtaHeadingLead":"비즈니스를","home.finalCtaHeadingAccent":"혁신할","home.finalCtaHeadingTrail":"준비가 되셨나요?","home.finalCtaSubtitle":"이미 Unified Loan System를 사용해 더 많은 대출을 더 빠르게, 더 적은 비용으로 마감하는 수백 명의 최고 브로커와 함께하세요.","home.ctaCreateFreeAccount":"무료 계정 만들기","home.finalCtaFinePrint":"신용카드 불필요 \xb7 14일 무료 체험 \xb7 언제든지 취소 가능","bauth.redirecting":"이동 중…","bauth.redirectingTo":"{role} 로그인 페이지로 이동합니다.","bauth.roleBroker":"브로커","bauth.roleBorrower":"대출자","bauth.loading":"로딩 중…","bauth.stepTitleWelcome":"환영합니다","bauth.stepTitleName":"성명","bauth.stepTitleEmail":"이메일","bauth.stepTitlePassword":"비밀번호 생

1성","bauth.stepTitleSecurity":"선택적 보안 강화","bauth.stepTitleReview":"검토 및 동의","bauth.errInvalidEmail":"유효하지 않은 이메일","bauth.errInvalidEmailUsage":"유효하지 않은 이메일 사용입니다.","bauth.errPasswordsMismatch":"비밀번호가 일치하지 않습니다.","bauth.errMustAgree":"서비스 약관과 개인정보 처리방침 모두에 동의해야 합니다.","bauth.errSignupFailed":"회원가입을 완료할 수 없습니다{detail}. 다시 시도하거나 이미 계정이 있으면 로그인하세요.","bauth.ofacTitle":"계정 검토 대기 중","bauth.ofacSubtitlePre":"가입해 주셔서 감사합니다. 계정을 활성화하기 전에 몇 가지 사항을 확인해야 합니다. 대상:","bauth.ofacSubtitlePost":".","bauth.ofacBody1Pre":"회원님의 계정은 일상적인 규정 준수 검토 중입니다. 이는 사기 방지 및 연방 규정 준수 의무의 일환으로 모든 신규 가입에 적용하는 표준 절차입니다. 대부분의 검토는 다음 기간 내에 완료됩니다:","bauth.ofacBody1Bold":"영업일 1일","bauth.ofacBody1Post":".","bauth.ofacBody2Pre":"추가 정보가 필요한 경우 다음으로 연락드립니다:","bauth.ofacBody2Post":". 그동안 별도로 하실 일은 없습니다.","bauth.ofacWhyTitle":"왜 이 절차를 진행하나요?","bauth.ofacWhyBody":"모기지 대출 개시는 규제 산업입니다. 당사는 금융 서비스 접근 권한을 부여하기 전에 모든 신규 계정에 대해 신원 및 제재 대상 조회를 실시해야 합니다. 이 조회는 자동화되어 있으며 수백만 개의 이름을 대상으로 실행됩니다. 오탐이 발생할 수 있으며, 당사는 이를 신속히 해결합니다.","bauth.returnHome":"홈페이지로 돌아가기","bauth.inboxTitle":"계정 생성 완료 — 마지막 클릭만 남았습니다","bauth.inboxSubtitlePre":"확인 링크를 다음으로 보냈습니다:","bauth.inboxSubtitlePost":". 한 번만 클릭하면 됩니다.","bauth.inboxTimelineHeader":"다음 단계는 이렇습니다","bauth.inboxStep1Title":"계정이 생성되었습니다.","bauth.inboxStep2Title":"방금 보낸 이메일을 열어 주세요","bauth.inboxStep2Body":'이메일 안에 있는 "Confirm my email" 큰 버튼을 클릭하세요. 링크는 24시간 동안 유효합니다.',"bauth.inboxStep3Title":"이제 들어왔습니다.","bauth.inboxStep3Body":"이메일을 확인하면 추가 비밀번호 입력 없이 바로 대시보드로 로그인됩니다.","bauth.inboxLookForHeader":"확인할 내용","bauth.inboxFromLabel":"보낸 사람","bauth.inboxSubjectLabel":"제목","bauth.inboxSubjectValue":"Unified Loan System 계정을 확인하세요","bauth.inboxNotSeenTitle":"1분이 지나도 보이지 않나요?","bauth.inboxNotSeenBody":'스팸함이나 프로모션함을 확인하세요. Gmail 등의 서비스는 새 발신자의 첫 이메일을 숨기는 경우가 많습니다. 앞으로의 대출 업데이트가 기본 받은편지함에 도착하도록 "스팸 아님"으로 표시해 주세요.',"bauth.inboxWhyTitle":"이 절차가 필요한 이유","bauth.inboxWhyBodyPre":"이메일을 확인하면 회원님이 (대량 가입하는 봇이 아니라) 실제 사람임을, 그리고 누군가 실수로 회원님의 주소로 계정을 만들지 않았음을 증명할 수 있습니다. 이는","bauth.inboxWhyBodyBold":"일회성 절차","bauth.inboxWhyBodyPost":"이며, 다시 요청하지 않습니다.","bauth.resendSending":"다른 이메일 전송 중…","bauth.resendSent":"전송됨 — 받은편지함을 확인하세요","bauth.resendIdle":"이메일 다시 보내기","bauth.confirmLater":"나중에 확인할게요 — 로그인하겠습니다","bauth.wrongEmail":"이메일이 잘못됐나요? 돌아가기","bauth.blockedTitle":"등록이 차단됨","bauth.blockedSubtitle":"이 초대 링크는 유효하지 않거나 만료되었습니다. 계정을 만들려면 활성 상태의 브로커 추천이 필요합니다.","bauth.stepCounter":"{total}단계 중 {current}단계","bauth.alreadyHaveAccount":"이미 계정이 있으신가요?","bauth.signInInstead":"로그인하기 →","bauth.continue":"계속","bauth.continueOrSkip":"계속 (또는 건너뛰기)","bauth.createAccount":"계정 만들기","bauth.orSkipForm":"또는 양식 건너뛰기","bauth.googleHelper":"Google로 가입하면 아래 단계를 건너뛸 수 있습니다 — 동일한 계정, 더 빠르게.","bauth.welcomeIntroPre":"회원님의 대출자 계정을 설정하는 데","bauth.welcomeIntroBold":"약 90초","bauth.welcomeIntroPost":"가 걸립니다. 다섯 개의 빠른 화면을 거치면 완료됩니다.","bauth.welcomeWhyHeader":"계정이 왜 필요한가요?","bauth.welcomeBenefit1Label":"진행 상황 저장","bauth.welcomeBenefit1Body":"대출 신청ì

1„œë¥¼ 부분적으로 작성하고 나중에 돌아와 마무리하세요 — 입력한 내용이 사라지지 않습니다.","bauth.welcomeBenefit2Label":"문서를 안전하게 업로드","bauth.welcomeBenefit2Body":"급여명세서와 은행 명세서를 올리세요. 전송 중과 저장 시 모두 암호화됩니다.","bauth.welcomeBenefit3Label":"대출 진행 상황을 실시간으로 확인","bauth.welcomeBenefit3Body":"대출이 정확히 어느 단계에 있는지, 누가 일을 지연시키고 있는지 확인하세요.","bauth.welcomeBenefit4Label":"브로커와의 직통 연결","bauth.welcomeBenefit4Body":"어느 대출 페이지에서든 메시지를 보내세요. 즉시 알림이 전달됩니다.","bauth.welcomeFooter":"당사는 회원님의 데이터를 절대 판매하지 않습니다. 모든 정보는 256비트 AES로 전송 중과 저장 시 암호화됩니다.","bauth.nameWhyTitle":"전체 법적 성명이 필요한 이유","bauth.nameWhyPre":"이 이름은 모든 대출 문서에 기재됩니다 — 신청서, 신용 조회, 마감 서류.","bauth.nameWhyBold":"정부 발급 신분증과 정확히 일치해야 합니다","bauth.nameWhyPost":". 신분증에 중간 이름이 있으면 포함하세요. 별명은 사용하지 마세요.","bauth.firstNameLabel":"이름","bauth.firstNamePlaceholder":"John","bauth.middleNameLabel":"중간 이름 (선택)","bauth.middleNamePlaceholder":"Adam","bauth.lastNameLabel":"성","bauth.lastNamePlaceholder":"Doe","bauth.emailWhyTitle":"이메일이 필요한 이유","bauth.emailWhyPre":"두 가지 이유가 있습니다. 첫째, 회원님께","bauth.emailWhyBold1":"인증 링크","bauth.emailWhyMid":" 인증 링크를 보내 이 받은편지함이 회원님 소유임을 확인합니다 — 이렇게 회원님이 봇이 아닌 실제 사람임을 알 수 있습니다. 둘째, 이메일은 ","bauth.emailWhyBold2":"중요한 대출 업데이트 전용","bauth.emailWhyPost":"에 사용합니다 (상태 변경, 문서 요청, 마감 공시 발행). 마케팅 스팸은 절대 보내지 않습니다.","bauth.emailHint":"자주 확인하는 이메일을 사용하세요.","bauth.passwordWhyTitle":"강력한 비밀번호가 중요한 이유","bauth.passwordWhyPre":"회원님의 계정에는 민감한 금융 정보가 담깁니다 — 소득, 자산 잔액, 그리고 결국에는 SSN까지. 당사는","bauth.passwordWhyBold1":"bcrypt로 비밀번호를 해시 처리합니다","bauth.passwordWhyMid":" (단방향 암호화로 당사조차 읽을 수 없습니다). 하지만 약한 비밀번호는 자동화 도구를 사용하는 공격자가 여전히 추측할 수 있습니다. ","bauth.passwordWhyBold2":"12자 이상","bauth.passwordWhyPost":"를 글자, 숫자, 기호를 섞어 사용하는 것을 목표로 하세요. 아니면 당사가 강력한 비밀번호를 생성해 드릴 수도 있습니다.","bauth.generatePassword":"강력한 비밀번호 생성","bauth.copied":"복사됨","bauth.copyToClipboard":"클립보드에 복사","bauth.confirmPasswordLabel":"비밀번호 확인","bauth.passwordsNoMatch":"비밀번호가 아직 일치하지 않습니다.","bauth.savePasswordTitle":"이 비밀번호를 안전한 곳에 저장하세요.","bauth.savePasswordBodyPre":"당사는 비밀번호를 저장하기 전에 해시 처리합니다 (단방향 암호화). 즉,","bauth.savePasswordWe":"당사","bauth.savePasswordBodyMid":"ì¡°ì°¨ 회원님을 위해 복구할 수 없습니다. 잃어버리면 이메일로 재설정해야 합니다. 다음과 같은 비밀번호 관리자를 적극 권장합니다:","bauth.savePasswordComma":",","bauth.savePasswordBodyPost":", 또는 브라우저에 내장된 키체인을 권장합니다.","bauth.passwordSamplePlaceholder":"비밀번호","bauth.hidePassword":"비밀번호 숨기기","bauth.showPassword":"비밀번호 표시","bauth.pwStrengthTooShort":"너무 짧음","bauth.pwStrengthWeak":"약함 — 길이를 늘리세요","bauth.pwStrengthOkay":"보통 — 더 강하게 만들 수 있음","bauth.pwStrengthGood":"좋음","bauth.pwStrengthExcellent":"매우 우수함","bauth.securityWhyTitle":"이것이 무엇이며, 왜 선택 사항인지","bauth.securityWhyPre":"보안 질문은 비밀번호 위에 더해지는","bauth.securityWhyBold1":"추가 보안 계층","bauth.securityWhyMid":"입니다. 누군가 비밀번호를 훔쳐 완전히 새로운 기기에서 로그인을 시도하면, 본인이 맞는지 확인하기 위해 이 질문 중 하나를 묻습니다. ","bauth.securityWhyBold2":"이메일 코드에만 의존하고 싶다면 건너뛰세요","bauth.securityWhyPost":". 새 기기 로그인 시 당사가 보내는 코드만으로도 대부분의 사람에게는 이미 충분히 안전합니다.","bauth.securityFooter":"언제든지 나중에 설정 → 보안에서 설정할 수 있습니다.","bauth.reviewWhyTitle":"계정을 만들기 전 한 가지만 더","bauth.reviewWhyBody":'입력한 정보를 검토하고 약관에 동의하세요. 하단의 두 체크박스는 필수입니다 — 간단히 말해 "회원님의 데이터를 신중하게 다루며 절대 판매하지 않겠습니다"라는 의미입니다. 문자 메시지 업데이트는 선택 사항이며, 원하는 카테고리를 고르세요.',"bauth.phoneLabel":"전화번호","bauth.phoneHint":"대출 업데이트를 문자로 보내드리기 위해서

1입니다.","bauth.phonePlaceholder":"(415) 555-1234","bauth.reviewNameLabel":"성명","bauth.reviewMissing":"(누락됨)","bauth.reviewSecurityLabel":"보안 질문","bauth.reviewSet":"설정됨","bauth.reviewSkipped":"건너뜀","bauth.consentTermsPre":"다음에 동의합니다:","bauth.consentTermsLink":"Unified Loan System 서비스 약관","bauth.consentPrivacyPre":"다음에 동의합니다:","bauth.consentPrivacyLink":"Unified Loan System 개인정보 처리방침","bauth.consentPrivacyPost":", 그리고 제 모기지 대출 개시를 목적으로 제 정보를 수집, 처리 및 저장하는 데 동의합니다","bauth.edit":"수정","bdash.portalActivityTitle":"포털 활동","bdash.inactiveCount":"{count}명 비활성","bdash.noActiveBorrowers":"활성 대출자 없음","bdash.activeNow":"현재 활성","bdash.daysAgo":"{days}일 전","bdash.remind":"알림","bdash.satisfactionTitle":"대출자 만족도","bdash.scoreExcellent":"매우 좋음","bdash.scoreGood":"좋음","bdash.scoreFair":"보통","bdash.scoreNeedsAttention":"주의 필요","bdash.npsProxy":"NPS 지표","bdash.noActiveLoansToMeasure":"측정할 활성 대출 없음","bdash.statActive":"활성","bdash.statOnTrack":"정상 진행","bdash.statClosed":"마감됨","bdash.enableSurveys":"설문 데이터 없음 -- 설문 활성화","bdash.surveysEnabled":"설문 활성화됨 (플레이스홀더)","bdash.sentimentTitle":"대출자 반응","bdash.sentimentHappy":"만족","bdash.sentimentNeutral":"중립","bdash.sentimentConcerned":"우려","bdash.sentimentFrustrated":"불만","bdash.atRisk":"{count}명 위험","bdash.reasonNoUpdates":"{days}일간 업데이트 없음","bdash.reasonStalledEarly":"대출이 초기 단계에서 지연됨","bdash.reasonInactive":"{days}일간 비활성","bdash.reasonConditionsPending":"미해결 ì¡°ê±´ 대기 중","bdash.reasonNearClosing":"마감 임박","bdash.reasonStrongProgress":"순조로운 진행","bdash.reasonProgressingNormally":"정상적으로 진행 중","bdash.communicationTimelineTitle":"커뮤니케이션 타임라인","bdash.recentCount":"최근 {count}ê±´","bdash.noRecentCommunication":"최근 연락 없음","bdash.timeJustNow":"방금","bdash.timeMinsAgo":"{mins}분 전","bdash.timeHoursAgo":"{hours}시간 전","bdash.timeYesterday":"어제","bdash.timeDaysAgo":"{days}일 전","bdash.timeWeeksAgo":"{weeks}주 전","bdash.touchpointStatus":"대출이 {stage}(으)로 이동됨","bdash.touchpointDocument":"{file} 업로드됨","bdash.touchpointWelcomeEmail":"환영 이메일 발송됨","bdash.documentRequestsTitle":"문서 요청","bdash.docW2":"W-2","bdash.docPayStubs":"급여 명세서","bdash.docBankStatements":"은행 거래 명세서","bdash.docTaxReturns":"세금 신고서","bdash.docPhotoId":"사진이 있는 신분증","bdash.docPurchaseAgreement":"매매 계약서","bdash.docHoi":"HOI","bdash.missingCount":"{count}개 누락","bdash.allDocumentsReceived":"모든 문서 수신 완료","bdash.loanCountSingular":"대출 {count}ê±´","bdash.loanCountPlural":"대출 {count}ê±´","bdash.daysPendingShort":"{days}일","bdash.moreCount":"+{count}개 더","bdash.quickMessageTitle":"빠른 메시지","bdash.recipientLabel":"수신자","bdash.selectRecipientAria":"수신 대출자 선택","bdash.selectBorrowerOption":"대출자 선택...","bdash.channelLabel":"채널","bdash.channelEmail":"이메일","bdash.channelSms":"SMS","bdash.toPrefix":"받는 사람: {contact}","bdash.noEmailOnFile":"등록된 이메일 없음","bdash.noPhoneOnFile":"등록된 전화번호 없음","bdash.messageLabel":"메시지","bdash.emailPlaceholder":"이메일 메시지를 입력하세요...","bdash.smsPlaceholder":"SMS를 입력하세요 (160자)...","bdash.sending":"전송 중...","bdash.sent":"전송됨!","bdash.sendEmail":"이메일 보내기","bdash.sendSms":"SMS 보내기","bapply.addr.currentAddress":"현재 주소","bapply.addr.streetAddress":"도로명 주소","bapply.addr.unit":"호수","bapply.addr.city":"도시","bapply.addr.state":"주","bapply.addr.zipCode":"우편번호","bapply.addr.country":"국가","bapply.addr.housingStatus":"주거 상태","bapply.addr.housingOwn":"자가","bapply.addr.housingRent":"임대","bapply.addr.housingRentFree":"무상 거주","bapply.addr.yearsAtAddress":"주소 거주 연수","bapply.addr.monthsAtAddress":"주소 거주 개월수","bapply.addr.monthlyRent":"월 임대료 ($)","bapply.gift.removeAria":"증여 또는 보조금 {index} 삭제","bapply.gift.type":"유형","bapply.gift.selectType":"유형 선택…","bapply.gift.typeCash":"현금 증여","bapply.gift.typeEquity":"지분 증여","bapply.gift.typeOther":"기타 보조금","bapply.gift.source":"출처","bapply.gift.selectSource":"출처 선택…","bapply.gift.sourceRelative":"친척","bapply.gift.sourceEmployer":"고용주","bapply.gift.sourceAgency":"기관","bapply.gift.sourceOther":"기타","bapply.gift.amount":"금액","bapply.gift.emptyTitle":"추가된 증여 또는 보조금이 없습니다","bapply.gift.emptyDesc":"이 대출을 위해 받는 현금 증여, 지분 증여 또는 보조금을 추가하세요.","bapply.gift.addCta":"증여/보조금 추가","bapply.gift.addAnother":"증여 또는 보조금 추가","bapply.nav.cancelEdit":"편집 취소","bapply.nav.previousSection":"이전 섹션","bapply.nav.startFreshTitle":"이전 대출에서 미리 채워진 모든 항목 지우기","bapply.nav.startFresh":"새로 시작","bapply.nav.lastSaved":"마지막 저장: {time}","bapply.nav.saveChanges":"변경사항 저장","bapply.nav.finishExit":"완료 후 나가기","bapply.nav.nextSection":"다음 섹션","bapply.nav.submitApplication":"신청서 제출","bapply.nav.saveDraft":"임시 저장","bapply.sidebar.sections":"섹션","bapply.topbar.title":"대출 신청ì

1„œ","bapply.topbar.editTitle":"대출 신청서 편집","bapply.emp.applicationAdvisor":"신청 어드바이저","bapply.emp.fixThis":"수정하기","bapply.emp.emptyTitle":"추가된 고용 정보가 없습니다","bapply.emp.emptyDesc":"대출 기관은 최소 2년의 근무 이력을 요구합니다. 먼저 현재 직장을 추가한 후 필요하면 이전 직장을 추가하세요.","bapply.emp.addCta":"고용 정보 추가","bapply.emp.removeAria":"고용 정보 {index} 삭제","bapply.emp.detailsHeading":"고용 세부정보","bapply.emp.employerName":"고용주 이름","bapply.emp.employerPhone":"고용주 전화번호 (선택)","bapply.emp.employerAddress":"고용주 주소","bapply.emp.employerAddressHint":"(선택 \xb7 VOE에 유용)","bapply.emp.street":"도로명","bapply.emp.city":"도시","bapply.emp.state":"주","bapply.emp.zip":"우편번호","bapply.emp.startDate":"시작일","bapply.emp.endDate":"종료일","bapply.emp.endDatePlaceholder":"현재 직장이면 비워 두세요","bapply.emp.yearsInLineOfWork":"해당 분야 종사 연수","bapply.emp.yearsInLineOfWorkPlaceholder":"총 경력 연수","bapply.emp.yearsInLineOfWorkHint":"모든 고용주를 통틀어 이 직무 분야에서의 총 연수 (이 직장만이 아님).","bapply.emp.employmentType":"고용 유형","bapply.emp.selfEmployed":"자영업","bapply.emp.ownershipShare":"소유 지분 (%)","bapply.emp.positionTitle":"직위 / 직책","bapply.emp.yearsOnJob":"재직 연수","bapply.emp.monthsOnJob":"재직 개월수","bapply.emp.employedByFamily":"가족이 고용했나요?","bapply.emp.employedByParty":"거래 당사자가 고용했나요?","bapply.emp.monthlyIncomeDetails":"월 소득 세부정보","bapply.emp.baseSalary":"기본급","bapply.emp.overtime":"초과근무수당","bapply.emp.bonus":"보너스","bapply.emp.commission":"커미션","bapply.emp.military":"êµ° 복무","bapply.emp.otherIncome":"기타","bapply.emp.totalMonthlyIncome":"월 총소득:","bapply.asset.toastReplaced":"입력 항목을 귀하의 은행 계좌로 교체했습니다.","bapply.asset.toastAddedOne":"은행에서 계좌 1개를 추가했습니다.","bapply.asset.toastAddedMany":"은행에서 계좌 {count}개를 추가했습니다.","bapply.asset.verifyTitle":"자산 확인","bapply.asset.verifyDesc":"은행을 안전하게 연결하여 계좌 잔액을 자동으로 가져오세요. 수동 입력이 필요 없습니다. 은행 수준의 암호화를 사용합니다.","bapply.asset.toastReconnected":"은행이 다시 연결되었습니다 — 대출 데이터가 다시 최신 상태입니다.","bapply.asset.bankConnected":"은행 연결됨","bapply.asset.toastDisconnected":"은행 연결이 해제되었습니다. 캐시된 금융 데이터가 삭제되었습니다.","bapply.asset.toastConnected":"은행 계좌가 연결되었습니다 — 계좌를 가져오는 중…","bapply.asset.analysisTitle":"자산 분석","bapply.asset.fixThis":"수정하기","bapply.asset.detailsHeading":"자산 세부정보","bapply.asset.removeAria":"자산 {index} 삭제","bapply.asset.accountType":"계좌 유형","bapply.asset.selectAccountType":"계좌 유형 선택…","bapply.asset.typeChecking":"당좌예금","bapply.asset.typeSavings":"저축예금","bapply.asset.typeMoneyMarket":"머니마켓","bapply.asset.typeMutualFund":"뮤추얼펀드","bapply.asset.typeStocks":"주식","bapply.asset.typeRetirement":"퇴직연금 (401k, IRA)","bapply.asset.typeOther":"기타","bapply.asset.financialInstitution":"금융기관","bapply.asset.accountLast4":"계좌번호 (마지막 4자리)","bapply.asset.cashMarketValue":"현금 / 시장 가치","bapply.asset.emptyTitle":"등록된 자산이 없습니다","bapply.asset.emptyDesc":"신청서를 뒷받침하기 위해 은행 계좌, 퇴직연금 또는 기타 금융 자산을 추가하세요.","bapply.asset.addCta":"자산 추가","bapply.asset.totalAssets":"총 자산:","bapply.liab.debtAnalysis":"부채 분석","bapply.liab.fixThis":"수정하기","bapply.liab.removeAria":"부채 {index} 삭제","bapply.liab.detailsHeading":"부채 세부정보","bapply.liab.type":"유형","bapply.liab.

1selectType":"부채 유형 선택…","bapply.liab.typeRevolving":"리볼빙 (신용카드)","bapply.liab.typeInstallment":"할부 (대출)","bapply.liab.typeLease":"리스","bapply.liab.typeOther":"기타","bapply.liab.creditorName":"채권자 이름","bapply.liab.accountNumber":"계좌번호","bapply.liab.unpaidBalance":"총 미지급 잔액","bapply.liab.monthsLeft":"남은 개월수 (선택)","bapply.liab.monthlyPayment":"월 최소 상환금","bapply.liab.paidOffAtClosing":"마감 시 완납 예정","bapply.liab.resubordinated":"재후순위화 (대출 기관이 안내)","bapply.liab.excludedFromDti":"DTI 계산에서 제외","bapply.liab.emptyTitle":"등록된 부채가 없습니다","bapply.liab.emptyDesc":"신용카드, 대출 및 리스를 나열하세요. 아래에서 신용 조회를 하면 자동으로 입력됩니다.","bapply.liab.addCta":"부채 추가","bapply.liab.totalBalance":"총 잔액:","bapply.liab.totalMonthlyPayments":"월 총 상환금:","bapply.re.analysisTitle":"부동산 분석","bapply.re.fixThis":"수정하기","bapply.re.removePropertyAria":"부동산 {index} 삭제","bapply.re.detailsHeading":"부동산 세부정보","bapply.re.streetAddress":"도로명 주소","bapply.re.city":"도시","bapply.re.state":"주","bapply.re.zipCode":"우편번호","bapply.re.propertyValue":"부동산 가치","bapply.re.status":"상태","bapply.re.statusRetained":"보유","bapply.re.statusSold":"매각","bapply.re.statusPending":"보류 중","bapply.re.intendedOccupancy":"예정 거주 형태","bapply.re.occPrimary":"주거주","bapply.re.occInvestment":"투자","bapply.re.occSecondHome":"별장","bapply.re.monthlyInsuranceTaxesHoa":"월 보험료, 세금, HOA","bapply.re.monthlyRentalIncome":"월 임대 소득","bapply.re.mortgageLoansHeading":"이 부동산의 모기지 대출","bapply.re.addMortgage":"모기지 추가","bapply.re.creditorName":"채권자 이름","bapply.re.accountNumber":"계좌번호","bapply.re.balance":"잔액","bapply.re.payment":"상환금","bapply.re.loanTypeAria":"부동산 {property}의 모기지 {mortgage} 대출 유형","bapply.re.typePlaceholder":"유형…","bapply.re.typeConventional":"일반","bapply.re.typeOther":"기타","bapply.re.removeMortgageAria":"부동산 {property}에서 모기지 {mortgage} 삭제","bapply.re.noMortgages":"등록된 모기지가 없습니다.","bapply.re.emptyTitle":"등록된 부동산이 없습니다","bapply.re.emptyDesc":"보유한 부동산이 있으면 여기에 추가하세요. 부동산이 없으면 이 섹션을 건너뛰어도 됩니다.","bapply.re.addCta":"부동산 추가","bapply.re.addAnother":"부동산 추가","bapply.guest.step1Title":"본인에 대해 알려주세요","bapply.guest.step2Title":"무엇을 융자하시나요","bapply.guest.step3Title":"숫자 (대략적이어도 괜찮아요)","bapply.guest.step4Title":"일정 및 연락 방법","bapply.guest.step5Title":"연락처 정보","bapply.guest.couldNotSave":"저장할 수 없습니다 ({status}

1).","bapply.guest.networkError":"네트워크 오류","bapply.guest.backToLanding":"시작 페이지로","bapply.guest.preApplicationPill":"사전 신청 \xb7 SSN 불필요, 신용 조회 없음","bapply.guest.stepCounter":"{total}단계 중 {current}단계 \xb7 이 내용은 전체 신청서로 바로 이어집니다 — 다시 입력할 필요가 없습니다.","bapply.guest.continueOrSkip":"계속 (또는 건너뛰기)","bapply.guest.continue":"계속","bapply.guest.continueToAccount":"계정 설정으로 계속","bapply.guest.encryptedFooter":"단기 유효 서명 쿠키에 암호화됩니다. 계정을 생성하기 전까지는 데이터베이스에 아무것도 기록되지 않습니다.","bapply.guest.yes":"예","bapply.guest.no":"아니요","bapply.guest.s1WhyTitle":"간단한 예/아니요 질문 세 가지","bapply.guest.s1WhyBodyA":"이 질문을 드리는 이유는 ","bapply.guest.s1WhyBodyStrong":"실제로 자격이 되는 대출 프로그램만 보여드리기 위함입니다","bapply.guest.s1WhyBodyB":". 첫 주택 구매자 프로그램, 재향군인을 위한 VA 대출, 일반 대 점보 — 상황에 따라 경로가 다릅니다. 어떤 것이든 건너뛰어도 되며, 이 중 어떤 것도 구속력이 없습니다.","bapply.guest.s1ApplyingWithAnyone":"다른 사람과 함께 신청하시나요?","bapply.guest.s1JustMe":"본인만","bapply.guest.s1Spouse":"배우자","bapply.guest.s1Partner":"파트너","bapply.guest.s1FamilyFriend":"가족 / 친구","bapply.guest.s1BoughtBefore":"이전에 주택을 구매한 적이 있나요?","bapply.guest.s1BoughtBeforeYes":"예, 이전에 구매한 적 있습니다","bapply.guest.s1BoughtBeforeNo":"아니요, 이번이 처음입니다","bapply.guest.s1Veteran":"êµ° 복무를 했거나 재향군인이신가요?","bapply.guest.s1VeteranHint":"VA 대출 자격이 열립니다 — 일반적으로 계약금 0% + PMI 없음.","bapply.guest.s2WhyTitle":"위치 + 부동산 유형은?","bapply.guest.s2WhyBody":"부동산 위치에 따라 주 단위 공시 및 세금 추정치가 결정됩니다. 부동산 유형에 따라 대출 기관 자격이 달라집니다 — 예를 들어 콘도는 프로젝트 검토를 거치고, 조립식 주택은 기초 인증이 필요하며, 다세대 부동산은 DTI 규칙이 다릅니다.","bapply.guest.s2LoanPurpose":"이 대출로 무엇을 하시나요?","bapply.guest.s2PurposeBuying":"주택 구매","bapply.guest.s2PurposeRefiRate":"재융자 — 더 나은 금리","bapply.guest.s2PurposeRefiCash":"재융자 — 현금 인출","bapply.guest.s2Occupancy":"부동산을 어떻게 사용하시나요?","bapply.guest.s2OccPrimary":"주거주지","bapply.guest.s2OccSecond":"별장","bapply.guest.s2OccInvestment":"투자","bapply.guest.s2PropertyType":"부동산 유형","bapply.guest.s2TypeSingleFamily":"단독주택","bapply.guest.s2TypeCondo":"콘도","bapply.guest.s2TypeMultiUnit":"2-4세대","bapply.guest.s2TypeManufactured":"조립식 주택","bapply.guest.s2StreetAddress":"부동산 도로명 주소","bapply.guest.s2StreetPlaceholder":"123 Main St","bapply.guest.s2City":"도시","bapply.guest.s2State":"주","bapply.guest.s2StateHint":"2글자","bapply.guest.s2Zip":"우편번호","bapply.guest.s3WhyTitle":"대략적인 견적 — 정확한 숫자는 나중에","bapply.guest.s3WhyBodyA":"이 정보를 사용하여","bapply.guest.s3WhyBodyStrong":"실질적인 이자율과 월 상환금 추정치를 보여드립니다","bapply.guest.s3WhyBodyB":"다음 페이지에서. 몇 천 달러 차이는 걱정하지 마세요 — 전체 신청서를 작성할 때 모두 정밀하게 조정합니다.","bapply.guest.s3PropertyValue":"추정 부동산 가치 ($)","bapply.guest.s3PropertyValueHint":"가치라고 생각하는 금액.","bapply.guest.s3LoanAmount":"추정 대출 금액 ($)","bapply.guest.s3LoanAmountHint":"대출받을 금액.","bapply.guest.s3ImpliedLtv":"추정 LTV","bapply.guest.s3ImpliedDownPayment":"추정 계약금","bapply.guest.s3DownPaymentSource":"계약금은 어디서 마련하시나요?","bapply.guest.s3DownPaymentSourceHint":"선택 — 적합한 대출 상품으로 안내하는 데 도움이 됩니다.","bapply.guest.s3DpSavings":"저축","bapply.guest.s3DpGift":"증여","bapply.guest.s3DpSaleOfHome":"주택 매각","bapply.guest.s3DpRetirement":"401(k) / IRA","bapply.guest.s3DpOther":"기타","bapply.guest.s4WhyTitle":"브로커가 귀하에 맞춰 계획할 수 있도록","bapply.guest.s4WhyBodyA":"일정은 파일ì

1„ 얼마나 적극적으로 진행할지 알려줍니다.","bapply.guest.s4WhyShopping":"그냥 알아보는 중인가요?","bapply.guest.s4WhyBodyB":"금리 알림을 보내드리고 귀찮게 하지 않겠습니다.","bapply.guest.s4WhyAsap":"최대한 빨리?","bapply.guest.s4WhyBodyC":"귀하의 파일이 우선 처리되며 마감일을 맞추기 위해 야간에도 작업하겠습니다.","bapply.guest.s4ClosingTimeline":"언제 마감을 희망하시나요?","bapply.guest.s4Days3060":"30-60일","bapply.guest.s4Days6090":"60-90일","bapply.guest.s4Days90plus":"90일 이상","bapply.guest.s4JustShopping":"그냥 알아보는 중","bapply.guest.s4ContactMethod":"브로커가 어떻게 연락하면 좋을까요?","bapply.guest.s4EmailOnly":"이메일만","bapply.guest.s4PhoneCalls":"전화 통화","bapply.guest.s4EitherFine":"둘 다 괜찮음","bapply.guest.s4BestTime":"통화 / 응답하기 가장 좋은 시간대","bapply.guest.s4Morning":"오전","bapply.guest.s4Afternoon":"오후","bapply.guest.s4Evening":"저녁","bapply.guest.s4Anytime":"아무 때나","bapply.guest.s5WhyTitle":"마지막으로 — 어떻게 연락드리면 될까요?","bapply.guest.s5WhyBodyA":"후속 연락에 필요한 정도만요. 이름, 인증 링크용 이메일, 그리고 전화를 원하신다고 하면 전화번호입니다.","bapply.guest.s5WhyBodyStrong":"신용 조회를 하지 않으며, 정보를 공유하지 않고, 마케팅 스팸 메일을 보내지 않습니다.","bapply.guest.s5FirstName":"이름","bapply.guest.s5LastName":"성","bapply.guest.s5Email":"이메일","bapply.guest.s5EmailHint":"여기로 계정 설정 링크를 보내드립니다.","bapply.guest.s5Phone":"전화번호","bapply.guest.s5PhoneOptional":"전화번호 (선택)","bapply.guest.s5PhoneHintRequired":"전화를 원하신다고 하셨으니 — 번호가 필요합니다.","bapply.guest.s5PhoneHintOptional":"브로커가 연락이 필요한 경우에만 사용됩니다.","bapply.step1.scanLicense":"운전면허증 스캔","bapply.step1.fastMobileAuth":"빠른 모바일 인증","bapply.step1.manualEntryToast":"수동 입력으로 진행합니다.","bapply.step1.identityVerifiedToast":"신원 확인 완료! 1003이 성공적으로 미리 채워졌습니다.","bapply.step1.aamvaReviewToast":"ID에서 가능한 항목을 미리 채웠습니다 — 강조 표시된 항목을 다시 확인하세요.","bapply.step1.aamvaVerifiedToast":"운전면허증 확인 완료 — 데이터가 미리 채워졌습니다.","bapply.step1.headerTitle":"대출자 정보","bapply.step1.headerDesc":"본인에 대해 알려주세요 — 이름, 연락처, 거주지.","bapply.step1.autofillTitle":"이전 대출에서 미리 채워졌습니다.","bapply.step1.autofillBodyA":"다음으로 표시된 항목","bapply.step1.autofillBadge":"이전 대출","bapply.step1.autofillBodyB":"은 자동으로 복사되었습니다. 항목을 편집하여 업데이트하거나 하단의 “새로 시작”을 사용하세요.","bapply.step1.firstName":"이름","bapply.step1.middleName":"중간 이름","bapply.step1.noMiddleName":"중간 이름이 없습니다 (또는 ID에 없음)","bapply.step1.lastName":"성","bapply.step1.suffix":"접미사 (선택 \xb7 Jr, Sr, III 등)","bapply.step1.alternateNames":"다른 이름 (선택 \xb7 과거에 사용한 이름)","bapply.step1.alternateNamesPlaceholder":"예: 결혼 전 성","bapply.step1.email":"이메일","bapply.step1.cellPhone":"휴대폰","bapply.step1.homePhone":"집 전화 (선택)","bapply.step1.workPhone":"직장 전화 (선택)","bapply.step1.dateOfBirth":"생년월일","bapply.step1.dobHint":"신원 확인을 위해 연방 대출 규정에서 요구합니다.","bapply.step1.ssn":"사회보장번호","bapply.step1.ssnHint":"신용 보고서를 조회하는 데 사용합니다. TLS로 전송되며 절대 판매되지 않습니다.","bapply.step1.maritalStatus":"혼인 상태","bapply.step1.required":"* 필수","bapply.step1.maritalMarried":"기혼","bapply.step1.maritalSeparated":"별거","bapply.step1.maritalUnmarriedLong":"미혼 (독신, 이혼, 사별)","bapply.step1.citizenship":"시민권","bapply.step1.citizenUs":"미국 시민권자","bapply.step1.citizenPermanent":"영주권자","bapply.step1.citizenNonPermanent":"비영주권자","bapply.step1.currentAddress":"현재 주소","bapply.step2.headerTitle":"고용 정보","bapply.step2.headerDesc":"지난 2년간의 근무 이력을 알려주ì

1„¸ìš”. 파트타임을 포함한 모든 직장을 포함하세요.","bapply.step2.autofillTitle":"고용 정보가 이전 대출에서 미리 채워졌습니다.","bapply.step2.autofillBody":"상황이 바뀌었으면 해당 항목을 업데이트하세요.","bapply.step3.headerTitle":"재무 정보 — 자산","bapply.step3.headerDesc":"은행 계좌, 퇴직연금 계좌 및 기타 금융 자산을 나열하세요.","bapply.step3.giftsTitle":"증여 또는 보조금","bapply.step3.giftsDesc":"이 대출을 위해 받았거나 받을 증여 또는 보조금입니다.","bapply.step4.pullSuccessToast":"Factual Data Tri-Merge를 성공적으로 가져왔습니다! 점수: {score}","bapply.step4.pullFailToast":"신용 조회 실패","bapply.step4.pullNetworkErrorToast":"Factual Data와 통신 중 네트워크 오류가 발생했습니다.","bapply.step4.creditVerified":"신용 확인됨: {score}","bapply.step4.pullingCredit":"신용 조회 중…","bapply.step4.pullCredit":"Factual Data로 신용 조회","bapply.step4.headerTitle":"재무 정보 — 부채","bapply.step4.headerDesc":"신용카드, 대출, 리스 및 기타 월 부채 의무를 나열하세요.","bapply.step5.headerTitle":"재무 정보 — 부동산","bapply.step5.headerDesc":"현재 보유한 부동산을 주소, 추정 가치 및 해당 모기지를 포함하여 나열하세요.","bapply.step6.headerTitle":"대출 및 부동산 정보","bapply.step6.headerDesc":"구매 또는 재융자하려는 부동산과 대출받고 싶은 금액에 대해 알려주세요.","bapply.step6.loanAnalysis":"대출 분석","bapply.step6.fixThis":"수정하기","bapply.step6.loanAmount":"대출 금액","bapply.step6.propertyValue":"부동산 가치 (추정)","bapply.step6.loanPurpose":"대출 목적","bapply.step6.purposePurchase":"구매","bapply.step6.purposeRefinance":"재융자","bapply.step6.purposeOther":"기타","bapply.step6.propertyType":"부동산 유형","bapply.step6.ptSingleFamily":"단독주택","bapply.step6.ptCondo":"콘도","bapply.step6.ptTownhouse":"타운하우스","bapply.step6.ptMultiFamily":"다세대 주택","bapply.step6.ptOther":"기타","bapply.step6.occupancy":"거주 형태","bapply.step6.occPrimary":"주거주지","bapply.step6.occSecond":"별장","bapply.step6.occInvestment":"투자용 부동산","bapply.step6.occFhaSecondary":"FHA ë³´ì¡° 거주지","bapply.step6.subjectPropertyAddress":"대상 부동산 주소","bapply.step6.streetAddress":"도로명 주소","bapply.step6.city":"도시","bapply.step6.state":"주","bapply.step6.zipCode":"우편번호","bapply.step6.mixedUse":"복합 용도 부동산","bapply.step6.manufacturedHome":"조립식 주택","bapply.step6.firstTimeHomebuyer":"첫 주택 구매자","bapply.step6.subordinateFinancing":"후순위 융자 (선택)","bapply.step6.leaveBlankIfNone":"해당 없으면 비워 두세요","bapply.step6.estimatedRentalIncome":"추정 월 임대 소득 (선택)","bapply.step6.leaveBlankIfNotRental":"임대용이 아니면 비워 두세요","bapply.step6.hoaDues":"월 HOA 회비 (선택)","bapply.step6.leaveBlankIfNoHoa":"HOA가 없으면 비워 두세요","bapply.step6.refiTypeLabel":"어떤 종류의 재융자인가요?","bapply.step6.refiRateTerm":"금리/기간형","bapply.step6.refiRateTermDesc":"금리를 낮추거나 상환 기간 변경","bapply.step6.refiCashOut":"현금 인출형","bapply.step6.refiCashOutDesc":"주택 자산에서 현금 인출","bapply.step6.cashOutAmount":"대략 얼마의 현금을 인출하시겠습니까?","bapply.step6.unitCountLabel":"해당 부동산의 유닛 수는 몇 개인가요?","bapply.step6.unitCount2":"2유닛","bapply.step6.unitCount3":"3유닛","bapply.step6.unitCount4":"4유닛","bapply.step6.ownershipDetails":"부동산 소유권 세부 정보","bapply.step6.ownershipOptional":"선택 사항 — 나중에 브로커와 함께 작성할 수 있습니다","bapply.step6.estateType":"부동산을 어떤 방식으로 보유하시나요?","bapply.step6.estateFeeSimple":"완전 소유권(Fee Simple)","bapply.step6.estateFeeSimpleDesc":"가장 일반적 — 주택과 토지를 모두 소유","bapply.step6.estateLeasehold":"임차권(Leasehold)","bapply.step6.estateLeaseholdDesc":"주택은 소유하지만 토지는 임차","bapply.step6.titleManner":"소유권 등기는 어떤 방식으로 하시나요?","bapply.step6.titleSole":"단독 소유","bapply.step6.titleJoint":"합유(Joint Tenants)","bapply.step6.titleCommon":"공유(Tenants in Common)","bapply.step6.titleCommunity":"부부 공동재산(Community Property)","bapply.step6.titleUnsureHint":"잘 모르시겠어요? 건너뛰세요 — 나중에 브로커와 결정할 수 있습니다.","bapply.step7.headerTitle":"선언","bapply.step7.headerDesc":"본인의 상황에 따라 각 질문에 답하세요. 모든 모기지 신청서에 필요한 표준 질문입니다.","bapply.step7.importantDeclarations":"중요 선언","bapply.step7.whyWeAsk":"질문하는 이유 \xb7 전문","bapply.step7.answerForAria":"답변: {question}","bapply.step7.yes":"예","bapply.step7.no":"아니요","bapply.step7.bankruptcyType":"파산 유형","bapply.step7.selectType":"유형 선택","bapply.step7.explanationLabel":'"예" 답변에 대한 설명 (선택)',"bapply.step7.explanationPlaceholder":"'예'로 표시된 선언에 대한 세부정보를 입력하세요... (또는 마이크를 눌러 받아쓰기)","bapply.step7.q_a_label":"A. 이곳이 주거주지가 되나요?","bapply.step7.q_a_full":"이 부동산을 주거주지로 사용하시나요?","bapply.step7.q_b_label":"B. 매도인과 친족 관계이거나 사업 관계인가요?","bapply.step7.q_b_full":"해당 부동산의 매도인과 가족 관계 또는 사업적 제휴가 있나요?","bapply.step7.q_c_label":"C. 여기 명시되지 않은 사람에게 마감 또는 계약금을 위해 돈을 빌리나요?","bapply.step7.q_c_full":"이 부동산 거래를 위해 자금(예: 마감 비용이나 계약금)을 빌리거나, 매도인이나 부동산 중개인 등 본 대출 신청ì

1„œì— 공개하지 않은 다른 당사자로부터 자금을 받고 있나요?","bapply.step7.q_d_label":"D. 이 대출이 마감되기 전에 다른 곳에서 또 다른 모기지를 신청하나요?","bapply.step7.q_d_full":"이 거래의 마감일 또는 ê·¸ 이전에, 본 대출의 담보 부동산이 아닌 다른 부동산에 대해 본 대출 신청서에 공개되지 않은 모기지 대출을 신청했거나 신청할 예정인가요?","bapply.step7.q_e_label":"E. 이 대출이 마감되기 전에 새로운 신용(카드, 대출 등)을 신청하나요?","bapply.step7.q_e_full":"이 대출의 마감일 또는 ê·¸ 이전에, 본 신청서에 공개되지 않은 새로운 신용(예: 할부 대출, 신용카드 등)을 신청했거나 신청할 예정인가요?","bapply.step7.q_f_label":"F. 새 모기지보다 우선하는 다른 선취특권이 있나요?","bapply.step7.q_f_full":"이 부동산이 1순위 모기지 선취특권보다 우선할 수 있는 선취특권의 대상이 되나요?","bapply.step7.q_g_label":"G. 여기 명시되지 않은 채무의 공동 서명인 또는 보증인인가요?","bapply.step7.q_g_full":"본 신청서에 공개되지 않은 채무 또는 대출의 공동 서명인 또는 보증인인가요?","bapply.step7.q_h_label":"H. 본인에게 미결 법원 판결이 있나요?","bapply.step7.q_i_label":"I. 연방 채무(세금, 학자금 대출, SBA 등)를 연체 중인가요?","bapply.step7.q_i_full":"현재 연방 채무를 연체 중이거나 채무불이행 상태인가요?","bapply.step7.q_j_label":"J. 금전적 책임을 질 수 있는 소송의 당사자인가요?","bapply.step7.q_j_full":"개인적인 재정적 책임을 질 가능성이 있는 소송의 당사자인가요?","bapply.step7.q_k_label":"K. 지난 7년 내에 압류 대신 부동산을 양도한 적이 있나요?","bapply.step7.q_k_full":"지난 7년 내에 압류 대신 부동산의 소유권을 양도한 적이 있나요?","bapply.step7.q_l_label":"L. 지난 7년 내에 파산 신청을 했나요?","bapply.step7.q_l_full":"지난 7년 이내에 파산을 선언한 적이 있나요?","bapply.step8.headerTitle":"확인 및 동의","bapply.step8.headerDesc":"아래 진술을 검토하고 계속하기 전에 동의를 확인하려면 체크박스를 선택하세요.","bapply.step8.intro":"본인은 다음 사항에 동의하고, 확인하며, 진술합니다:","bapply.step8.p1Label":"(1) 본 신청서의 완전한 정보:","bapply.step8.p1Body":"본 신청서에 제공한 정보는 본인이 신청서에 서명한 날짜를 기준으로 진실하고 정확하며 완전합니다. 귀사는 본 신청서 승인 여부를 결정할 때 이 정보에 의존할 수 있습니다.","bapply.step8.p2Label":"(2) 부동산의 담보:","bapply.step8.p2Body":"본인이 신청한 대출은 본 신청서에 기재된 부동산에 대해 대출 기관에 담보권을 부여하는 모기지 또는 신탁증서로 담보됩니다.","bapply.step8.p3Label":"(3) 부동산의 감정, 가치 및 상태:","bapply.step8.p3Body":"귀사가 취득한 부동산의 감정 또는 가치는 귀사 및 다른 대출 참여자의 사용을 위한 것입니다. 본인은 귀사가 취득한 부동산의 감정 또는 가치에 의존하지 않았습니다.","bapply.step8.p4Label":"(4) 전자 기록 및 서명:","bapply.step8.p4Body":"본인은 전자적으로 문서를 수신하고 서명하는 데 동의합니다.","bapply.step8.p5Label":"(5) 연체:","bapply.step8.p5Body":"대출 기관은 본인의 계좌 정보를 신용평가기관에 보고할 수 있습니다. 본인 계좌의 연체, 미납 또는 기타 채무불이행은 신용 보고서에 반영될 수 있습니다.","bapply.step8.p6Label":"(6) 정보의 사용:","bapply.step8.p6Body":"본인은 대출 기관이 본인이 제공한 정보를 확인하는 것을 승인합니다.","bapply.step8.agreeCheckbox":"본인은 위 확인 사항에 동의하며 전자 서명에 동의합니다.","bapply.step9.militaryTitle":"êµ° 복무","bapply.step9.militaryDesc":"미군에서 복무하셨다면 계약금 없는 VA 대출 자격이 될 수 있습니다.","bapply.step9.militaryQuestion":"본인(또는 사망한 배우자)이 미국 군대에서 복무한 적이 있거나 현재 복무 중인가요?","bapply.step9.militaryAria":"êµ° 복무: 예 또는 아니요","bapply.step9.yes":"예","bapply.step9.no":"아니요","bapply.step9.checkAllApply":"해당하는 모든 항목 선택:","bapply.step9.activeDuty":"현재 현역 복무 중","bapply.step9.survivingSpouse":"유족 배우자","bapply.step9.demographicTitle":"인구통계 정보","bapply.step9.demographicDesc":"주택담보대출공시법(HMDA) 보고를 위해 연방법에서 요구합니다. 답변은 선택사항이며 — 거부해도 신청에 영향을 주지 않습니다.","bapply.step9.ethnicity":"민족","bapply.step9.pickOne":"\xb7 하나 선택 (거부해도 됨)","bapply.step9.hmdaHelper":"HMDA 보고를 위해 연방법에서 요구합니다. 거부해도 신청에 영향을 주지 않습니다.","bapply.step9.hmdaHelperRace":"HM

1DA 보고를 위해 연방법에서 요구합니다. 해당하는 모든 항목을 선택하세요. 거부해도 신청에 영향을 주지 않습니다.","bapply.step9.ethHispanic":"히스패닉 또는 라틴계","bapply.step9.ethNotHispanic":"히스패닉 또는 라틴계 아님","bapply.step9.refuse":"이 정보를 제공하고 싶지 않습니다","bapply.step9.ethSubMexican":"멕시코계","bapply.step9.ethSubPuertoRican":"푸에르토리코계","bapply.step9.ethSubCuban":"쿠바계","bapply.step9.ethSubOther":"기타 히스패닉 또는 라틴계","bapply.step9.enterOrigin":"출신 입력","bapply.step9.sex":"성별","bapply.step9.sexMale":"남성","bapply.step9.sexFemale":"여성","bapply.step9.race":"인종","bapply.step9.race_americanIndianOrAlaskaNative":"아메리카 원주민 또는 알래스카 원주민","bapply.step9.race_asian":"아시아계","bapply.step9.race_blackOrAfricanAmerican":"흑인 또는 아프리카계 미국인","bapply.step9.race_nativeHawaiianOrOtherPacificIslander":"하와이 원주민 또는 기타 태평양 섬 주민","bapply.step9.race_white":"백인","bapply.step9.race_refuse":"이 정보를 제공하고 싶지 않습니다","bapply.step9.raceSub_asianIndian":"인도계","bapply.step9.raceSub_chinese":"중국계","bapply.step9.raceSub_filipino":"필리핀계","bapply.step9.raceSub_japanese":"일본계","bapply.step9.raceSub_korean":"한국계","bapply.step9.raceSub_vietnamese":"베트남계","bapply.step9.raceSub_otherAsian":"기타 아시아계","bapply.step9.raceSub_nativeHawaiian":"하와이 원주민","bapply.step9.raceSub_guamanianOrChamorro":"괌 원주민 또는 차모로족","bapply.step9.raceSub_samoan":"사모아계","bapply.step9.raceSub_otherPacificIslander":"기타 태평양 섬 주민","bapply.step9.enterTribe":"등록된 또는 주요 부족의 이름 입력","bapply.step9.loanOriginatorTitle":"대출 개시자 정보","bapply.step9.loanOriginatorBody":"최종 공시가 발급되기 전에 브로커와 배정된 대출 담당자가 이 섹션을 작성합니다. 받으시는 모든 공시 문서에 그들의 전체 이름, NMLS ID 및 연락처 정보가 표시됩니다.","bapply.step10.headerTitle":"최종 검토 및 동의","bapply.step10.headerDesc":"거의 다 끝났습니다. 신청서를 제출하려면 아래 공시를 검토하고 수락하세요.","bapply.page.autosaveEditing":"편집 중…","bapply.page.autosaveSaving":"저장 중…","bapply.page.autosaveSaved":"저장됨","bapply.page.autosaveFailed":"저장 실패","bapply.page.step_borrower_label":"대출자","bapply.page.step_borrower_short":"정보","bapply.page.step_employment_label":"고용","bapply.page.step_employment_short":"직장","bapply.page.step_assets_label":"자산","bapply.page.step_assets_short":"자산","bapply.page.step_liabilities_label":"부채","bapply.page.step_liabilities_short":"부채","bapply.page.step_realEstate_label":"부동산","bapply.page.step_realEstate_short":"부동산","bapply.page.step_loanProperty_label":"대출 및 부동산","bapply.page.step_loanProperty_short":"대출","bapply.page.step_transactionTeam_label":"거래 팀","bapply.page.step_transactionTeam_short":"팀","bapply.page.step_declarations_label":"선언","bapply.page.step_declarations_short":"선언","bapply.page.step_agreements_label":"동의","bapply.page.step_agreements_short":"동의","bapply.page.step_militaryDemo_label":"êµ° 복무 및 인구통계","bapply.page.step_militaryDemo_short":"êµ° 복무","bapply.page.step_consent_label":"동의","bapply.page.step_consent_short":"최종","bapply.page.fieldUpdatedAi":"AI 제안에 따라 항목이 업데이트되었습니다.","bapply.page.saveTimeout":"저장이 예상보다 오래 걸렸습니다 — 마지막 변경사항이 저장되지 않았을 수 있습니다. 새로고침하여 확인하세요.","bapply.page.consentRequiredTitle":"동의 필요","bapply.page.consentRequiredMsg":"계속하려면 모든 약관과 공시에 동의해야 합니다.","bapply.page.fixIt":"수정하기","bapply.page.noBorrowerId":"오류: 대출자 ID를 찾을 수 없습니다. 다시 로그인하세요.","bapply.page.savingChanges":"변경사항 저장 중...","bapply.page.submittingApplication":"신청서 제출 중...","bapply.page.pleaseComplete":"다음을 완료하세요:\n{items}","bapply.page.actionRequiredTitle":"조치 필요","bapply.page.outstandingConditions":"해결해야 할 미결 조건이 있습니다.","bapply.page.loanNotFound":"오류: 업데이트할 대출을 찾을 수 없습니다. 다시 시도하세요.","bapply.page.savedAt":"{time}에 성공적으로 저장됨","bapply.page.applicationSubmitted":"신청서가 제출되었습니다! 대시보드로 이동 중...","bapply.page.submitErrorPrefixed":"오류: {error}. 다시 시도하세요.","bapply.page.submitFailedDefault":"신청서 제출 실패","bapply.page.networkError":"네트워크 오류가 발생했습니다. 연결을 확인하고 다시 시도하세요.","bapply.page.docUpdated1003":"1003이 귀하의 문서에서 업데이트되었습니다.","bapply.page.sectionComingSoon":"{step} 섹션 출시 예정...","bapply.page.saveFailedBanner":"저장 실패","bapply.page.retry":"다시 시도","bapply.page.dismissError":"ì˜

1¤ë¥˜ 닫기","bapply.page.walkMeThrough":"이 단계를 안내해 주세요","bapply.page.missingDataTitle":"데이터 누락 경고","bapply.page.missingDataDesc":"일부 필수 항목이 미완성이거나 오류가 있습니다. 지금 돌아가서 수정하거나 현재 상태로 제출할 수 있지만, 미완성 신청은 승인을 지연시킬 수 있습니다.","bapply.page.goBackFix":"돌아가서 수정","bapply.page.submitAnyway":"그래도 제출","bapply.page.saveFirst":"먼저 신청서를 저장하세요","bloan.backToDashboard":"대시보드로 돌아가기","bloan.loanNotFound":"대출을 찾을 수 없습니다","bloan.loanNotFoundOrNoAccess":"이 대출이 존재하지 않거나 접근 권한이 없습니다.","bloan.notFoundTitle":"찾을 수 없음","bloan.loanNotExistOrNoAccess":"이 대출이 존재하지 않거나 접근 권한이 없습니다.","bloan.forbiddenTitle":"접근 금지","bloan.viewOwnLoansOnly":"본인의 대출만 ë³¼ 수 있습니다.","bloan.openInNewTab":"새 탭에서 열기","bloan.download":"다운로드","bloan.notAvailable":"사용할 수 없음","bloan.reviewedBadge":"검토됨","bloan.versionLabel":"버전 {version}","bloan.issuedOn":"발급일 {date}","bloan.viewedOn":"열람일 {date}","bloan.previousVersions":"이전 버전 ({count})","bloan.fromLabel":"보낸 사람","bloan.exploreTitle":"대출 옵션 살펴보기","bloan.exploreSubtitle":"처음 주택을 구입하시든, 재향군인이시든, 부동산 투자자이시든, 귀하의 목표에 맞춘 완벽한 금융 솔루션을 제공합니다.","bloan.exploreHint":"귀하의 상황에 맞는 프로그램을 선택하세요. 아직 확정된 것은 없습니다. 다음 단계에서 세부 사항을 조정하고 대출 담당자와 함께 프로그램을 변경할 수 있습니다.","bloan.mostPopular":"가장 인기","bloan.bestForLabel":"적합 대상:","bloan.applyForThisLoan":"이 대출 신청하기","bloan.notSureTitle":"어떤 대출이 적합한지 잘 모르시겠나요?","bloan.notSureBody":"AI 기반 지능형 매칭 시스템을 사용하여 귀하의 재무 프로필에 맞는 완벽한 대출 프로그램을 몇 초 만에 찾아보세요.","bloan.getMatched":"맞춤 찾기","bloan.useCalculator":"계산기 사용","bloan.type_conventional_title":"일반 대출","bloan.type_conventional_desc":"신용이 좋은 대부분의 주택 구매자를 위한 표준 선택입니다.","bloan.type_conventional_bestFor":"신용 점수 620점 이상인 대출자.","bloan.type_conventional_benefit1":"유연한 기간 (10~30년)","bloan.type_conventional_benefit2":"낮은 계약금 옵션 (3%부터)","bloan.type_conventional_benefit3":"선납 모기지 보험료 없음","bloan.type_fha_title":"FHA 대출","bloan.type_fha_desc":"저소득에서 중간 소득 대출자를 위해 설계된 정부 지원 대출.","bloan.type_fha_bestFor":"처음 구매하시는 분 또는 신용 점수가 낮은 분.","bloan.type_fha_benefit1":"낮은 신용 점수 허용 (580점 이상)","bloan.type_fha_benefit2":"낮은 계약금 (3.5%)","bloan.type_fha_benefit3":"더 유연한 DTI 한도","bloan.type_va_title":"VA 대출","bloan.type_va_desc":"재향군인, 현역 군인 및 자격을 갖춘 유족 배우자를 위한 독점 혜택.","bloan.type_va_bestFor":"군인 및 재향군인.","bloan.type_va_benefit1":"$0 계약금 필요","bloan.type_va_benefit2":"민간 모기지 보험(PMI) 없음","bloan.type_va_benefit3":"경쟁력 있는 금리","bloan.type_jumbo_title":"점보 대출","bloan.type_jumbo_desc":"고급 부동산 및 경쟁이 치열한 부동산 시장의 주택을 위한 금융.","bloan.type_jumbo_bestFor":"고급 또는 고가 주택을 구매하는 구매자.","bloan.type_jumbo_benefit1":"적격 한도를 초과하는 대출 금액","bloan.type_jumbo_benefit2":"고정 또는 변동 금리","bloan.type_jumbo_benefit3":"최대 $3M 이상의 대출 금액","bloan.type_usda_title":"USDA 대출","bloan.type_usda_desc":"농촌 및 교외 주택 구매자를 위한 무계약금 모기지.","bloan.type_usda_bestFor":"지정된 농촌 또는 교외 지역의 구매자.","bloan.type_usda_benefit1":"$0 계약금","bloan.type_usda_benefit2":"시장 이하의 모기지 금리","bloan.type_usda_benefit3":"낮은 모기지 보험 비용","bloan.type_dscr_title":"DSCR 투자 대출","bloan.type_dscr_desc":"임대 소득을 사용하여 자격을 갖추는 부동산 투자자를 위한 부채 상환 비율(DSCR) 대출.","bloan.type_dscr_bestFor":"부동산 투자자 및 부동산 단기 매매자.","bloan.type_dscr_benef

1it1":"개인 소득 확인 불필요","bloan.type_dscr_benefit2":"부동산 현금 흐름을 기준으로 자격 부여","bloan.type_dscr_benefit3":"LLC 명의로 마감","bloan.intentReceivedTitle":"진행 의사가 접수되었습니다","bloan.intentRecordedAt":"{when}에 기록되었습니다. 이제 대출 담당자가 감정 평가 및 기타 제3자 수수료를 청구할 수 있습니다.","bloan.intentCtaTitle":"진행 의사를 표명하세요","bloan.intentCtaBodyBefore":"이 Loan Estimate를 검토하고 대출을 진행하고자 하시면 아래를 클릭하여 대출 담당자에게 알려주세요.","bloan.intentCtaBodyEmphasis":"이는 대출을 받겠다는 약속이 아닙니다.","bloan.intentCtaBodyAfter":"이는 단지 감정 평가와 같은 서비스 발주를 시작할 수 있도록 승인하는 것입니다.","bloan.intentCtaFeeNote":"의사를 표명하기 전까지 대출 기관은 신용 보고서 비용 외에 다른 수수료를 청구할 수 없습니다.","bloan.intentRecording":"기록 중…","bloan.intentButton":"진행하겠습니다","bloan.exitFullscreen":"전체 화면 종료","bloan.openFullscreen":"전체 화면으로 열기","bloan.exitFullscreenEsc":"전체 화면 종료 (Esc)","bloan.helpChatFooter":"Breeze는 일반적인 질문에 답할 수 있습니다. 대출 기관별 또는 법률 자문은 대출 담당자에게 문의하세요.","bloan.leHelpTitle":"Loan Estimate에 대해 Breeze에게 문의하세요","bloan.leHelpSubtitle":"공시, 수수료, 진행 의사 및 TRID 일정에 대한 답변.","bloan.leHelpWelcome":"Loan Estimate에 대해 궁금한 점이 있으신가요? 무엇이든 물어보세요. 수수료의 의미, 금리가 어떻게 책정되었는지, 의사 표명 후 어떻게 되는지.","bloan.leHelpWelcomeBroker":"{broker}의 Loan Estimate에 대해 궁금한 점이 있으신가요? 무엇이든 물어보세요. 수수료의 의미, 금리가 어떻게 책정되었는지, 의사 표명 후 어떻게 되는지.","bloan.leSuggestWhatIs":"Loan Estimate란 무엇인가요?","bloan.leSuggestWhyGetting":"왜 이것을 받게 되나요?","bloan.leSuggestIntentMeaning":'"진행 의사"란 무엇을 의미하나요?',"bloan.leSuggestNewVersion":"새 버전이 발급되면 어떻게 되나요?","bloan.leSuggestFeesBeforeIntent":"제가 의사를 표명하기 전에 대출 기관이 청구할 수 있는 수수료는 무엇인가요?","bloan.leSuggestRateValid":"이 금리는 얼마 동안 유효한가요?","bloan.cdHelpTitle":"Closing Disclosure에 대해 Breeze에게 문의하세요","bloan.cdHelpSubtitle":"마감 시 필요 현금, 3일 검토 기간, 항목별 변경 및 철회권에 대한 답변.","bloan.cdHelpWelcome":"Closing Disclosure에 대해 궁금한 점이 있으신가요? 모든 항목, 3일 검토 기간, 마감 시 필요 현금, 또는 Loan Estimate 이후 변경된 사항에 대해 물어보세요.","bloan.cdHelpWelcomeBroker":"{broker}의 Closing Disclosure에 대해 궁금한 점이 있으신가요? 모든 항목, 3일 검토 기간, 마감 시 필요 현금, 또는 Loan Estimate 이후 변경된 사항에 대해 물어보세요.","bloan.cdSuggestWhatIs":"Closing Disclosure란 무엇인가요?","bloan.cdSuggestWhy3Days":"왜 3영업일을 기다려야 하나요?","bloan.cdSuggestDifferFromLe":"이것은 제 Loan Estimate와 어떻게 다른가요?","bloan.cdSuggestCashToClose":'"마감 시 필요 현금"이란 무엇인가요?',"bloan.cdSuggestRescission":"철회권이란 무엇인가요?","bloan.cdSuggestChangesAtClosing":"마감 시 아직 어떤 변경이 발생할 수 있나요?","bloan.cdPageTitle":"귀하의 Closing Disclosure","bloan.cdNotIssued":"대출 담당자가 아직 Closing Disclosure를 발급하지 않았습니다.","bloan.cdLatestLabel":"최신 Closing Disclosure","bloan.cdEarliestClosing":"법적 최단 마감일: {date}","bloan.cdTileMonthlyPi":"월 원금 및 이자","bloan.cdTileInterestRate":"이자율","bloan.cdTileCashToClose":"마감 시 필요 현금","bloan.cdTileCashToCloseSub":"마감 시 가져오는 금액","bloan.cdWorksheetHeading":"마감 시 필요 현금 워크시트","bloan.cdCtcTotalClosingCosts":"총 마감 비용","bloan.cdCtcCostsPaidBefore":"마감 전 지불한 마감 비용","bloan.cdCtcCostsFinanced":"융자에 포함된 마감 비용","bloan.cdCtcLenderCredits":"대출 기관 크레딧","bloan.cdCtcDownPayment":"계약금","bloan.cdCtcEarnestDeposit":"계약 보증금","bloan.cdCtcSellerCredits":"판매자 크레딧","bloan.cdCtcFundsForBorrower":"대출자를 위한 자금","bloan.cdCtcOtherAdjustments":"기타 조정","bloan.cdCtcCashToCloseRow":"마감 시 필요 현금","bloan.cdWorksheetNote":"음수 값은 가져올 금액을 줄이는 크레딧입니다. 양수 값은 금액을 늘립니다.","bloan.cdTrustNote":"이것은 연방법에서 요구하는 거래 공시입니다. 귀하의 접근은 감사를 위해 기록됩니다. 귀하와 승인된 대출 기관 팀만 이 페이지를 볼 수 있습니다.","bloan.lePageTitle":"귀하의 Loan Estimate","bloan.leStepApplied":"신청 완료","bloan.leStepLeIssued":"LE 발급됨","bloan.leStepReviewed":"검토됨","bloan.leStepIntent":"의사","bloan.leDeliveryFailedTitle":"이메일 전송에 실패했지만 여기서 검토하실 수 있습니다","bloan.leDeliveryFailedBodyBefore":"이 Loan Estimate의 이메일 사본이 받은편지함에 도착하지 않았다는 사실이 대출 담당자에게 통지되었습니다","bloan.leDeliveryFailedBodyAfter":"담당자가 연락처 정보를 확인한 후 다시 보낼 것입니다. 그동안 문서 전체를 아래에서 확인하실 수 있습니다.","bloan.leLatestLabel":"최신 Loan Estimate","bloan.lePdfNotAvailable":"PDF가 아직 제공되지 않습니다","bloan.leCdAvailable":"Closing Disclosure 이용 가능","bloan.leCdEarliestClosing":"최단 마감일 {date}","bloan.leActionNeeded":"조치 필요","bloan.leCdBody":"최종 조건 및 전체 마감 시 필요 현금 워크시트. 연방법은 수령과 서명 사이에 3영업일을 보장합니다. 마감 전에 검토하세요.","bloan.leOpenCd":"Closing Disclosure 열기","bloan.leAwaitingSignature":"서명 대기 중","bloan.leEnvelopesSentOne":"서명을 위해 {count}개의 봉투가 전송됨","bloan.leEnvelopesSentMany":"서명을 위해 {count}개의 봉투가 전송됨","bloan.leEnvelopesExplainer":"각 봉투는 귀하의 이메일로 전송되었습니다. 서명 제공업체의 이메일 링크를 열어 완료하거나, 가능한 경우 아래의 직접 서명 링크를 사용하세요.","bloan.leSentToday":"오늘 전송됨","bloan.leSentDaysAgoOne":"{days}일 전 전송됨","bloan.leSentDaysAgoMany":"{days}일 전 전송됨","bloan.leEsignRequest":"전자 서명 요청 \xb7 {provider}","bloan.leOpenSigningPage":"서명 페이지 열기","bloan.leCheckEmail":"이메일을 확인하세요","bloan.leDontSeeEmail"

1:"이메일이 보이지 않나요? 스팸함을 확인하거나 대출 담당자에게 재전송을 요청하세요.","bloan.leEmptyTitle":"아직 발급된 Loan Estimate가 없습니다.","bloan.leEmptyBody":"대출 담당자가 금리를 고정하거나 신청서를 제출하면 첫 LE가 3영업일 이내에 여기에 표시됩니다.","bloan.leQuestionsTitle":"질문이 있으신가요?","bloan.leQuestionsBody":"받으신 이메일에 답장하시면 대출 담당자가 연락드립니다.","bloan.leWorkingWith":"담당: {broker}","bloan.leSecurePortalTitle":"보안 포털","bloan.leSecurePortalBody":"귀하의 접근은 규정 준수를 위해 기록됩니다. 귀하와 승인된 대출 기관 직원만 이 페이지를 볼 수 있습니다.","bloan.leWantToLearnMore":"더 알아보시겠어요?","bloan.leCfpbLink":"CFPB Loan Estimate 설명 →","bloan.coSectionEyebrow":"공동 대출자 섹션","bloan.coSectionTitle":"1003의 귀하 부분을 작성하세요","bloan.coSectionIntro":"주 대출자는 이미 본인 섹션을 작성했습니다. 귀하의 부분은 더 짧습니다. 이름 + 신분증, 현재 주소, 고용 정보, 모든 대출자가 답하는 동일한 예/아니오 진술입니다. 언제든지 저장하세요. 브로커가 대출 기관 제출 전에 전체 파일을 검토합니다.","bloan.coLastSaved":"마지막 저장 {when}","bloan.coReturnToDashboard":"대시보드로 돌아가기","bloan.coNameRequired":"먼저 이름과 성을 입력하세요.","bloan.coFailedToSave":"저장 실패","bloan.coCardAboutYou":"본인 정보","bloan.coFieldFirstName":"이름 *","bloan.coFieldMiddle":"중간 이름 (선택)","bloan.coFieldLastName":"성 *","bloan.coFieldDob":"생년월일 (YYYY-MM-DD)","bloan.coFieldSsn":"SSN (XXX-XX-XXXX)","bloan.coFieldPhone":"전화번호","bloan.coFieldEmail":"이메일 (읽기 전용)","bloan.coFieldCitizenship":"시민권","bloan.coFieldMaritalStatus":"혼인 상태","bloan.coSelectPlaceholder":"선택…","bloan.coCitizenUs":"미국 시민","bloan.coCitizenPermanent":"영주권자","bloan.coCitizenNonPermanent":"비영주권자","bloan.coMaritalMarried":"기혼","bloan.coMaritalUnmarried":"미혼","bloan.coMaritalSeparated":"별거","bloan.coCardCurrentAddress":"현재 주소","bloan.coFieldStreet":"도로명","bloan.coFieldUnit":"호수 (선택)","bloan.coFieldCity":"도시","bloan.coFieldState":"주","bloan.coFieldZip":"우편번호","bloan.coFieldYearsAtAddress":"거주 연수","bloan.coFieldRentOrOwn":"임대 또는 자가","bloan.coRentOption":"임대","bloan.coOwnOption":"자가","bloan.coOtherOption":"기타","bloan.coCardEmployment":"고용 + 소득","bloan.coFieldEmployer":"고용주","bloan.coFieldPosition":"직책 / 직위","bloan.coFieldStartDate":"입사일 (YYYY-MM-DD)","bloan.coFieldMonthlyIncome":"월 소득 (총 $)","bloan.coFieldSelfEmployed":"자영업","bloan.coSelfEmployedNo":"아니요 (W-2 직원)","bloan.coSelfEmployedYes":"예 (자영업)","bloan.coFieldOtherIncome":"기타 소득 / 월 (선택)","bloan.coFieldOtherIncomeSource":"기타 소득원","bloan.coOtherIncomePlaceholder":"임대, 위자료 등.","bloan.coCardAssets":"자산","bloan.coCardLiabilities":"부채","bloan.coCardRealEstate":"보유 부동산","bloan.coFieldLiquidTotal":"유동 자산 총액 ($) — 당좌 + 저축","bloan.coFieldRetirementTotal":"은퇴 자산 총액 ($) — 401k + IRA","bloan.coAssetsNote":"여기서는 대략적인 금액으로 충분합니다. 브로커가 명세서와 대조하여 정확한 잔액을 확인합니다.","bloan.coCardDeclarations":"예 / 아니오 진술","bloan.coDeclJudgments":"귀하에 대한 미결 판결이 있습니까?","bloan.coDeclBankruptcy":"지난 7년 이내에 파산 신청을 한 적이 있습니까?","bloan.coDeclLawsuit":"현재 소송의 당사자입니까?","bloan.coDeclFederalDebt":"연방 부채(세금, 학자금 대출)를 연체하고 있습니까?","bloan.coAutoSaveAddName":"자동 저장을 사용하려면 이름을 추가하세요","bloan.coSaving":"저장 중…","bloan.coSavedAt":"저장됨 {when}","bloan.coSaveFailedRetry":"저장 실패 — 저장을 눌러 다시 시도하세요","bloan.coAutoSaving":"자동 저장 중…","bloan.coUpToDate":"최신 상태","bloan.coUnsavedEditsSummary":"이 섹션의 저장되지 않은 수정 사항","bloan.coSaveNow":"지금 저장","bloan.coAskVeraLabel":"이 필드들에 대해 Breeze에게 문의하세요","bloan.coYes":"예","bloan.coNo":"아니요","bloan.docsNeededTitle":"아직 제출해야 할 문서","bloan.docsNeededIntro":"이것은 대출 담당자가 기다리고 있는 문서입니다. 여기 또는 대시보드의 문서 센터를 통해 업로드하세요. 빨리 제출할수록 대출이 더 빠르게 진행됩니다.","bloan.docsNeededAllCaughtUp":"모두 완료되었습니다","bloan.docsNeededAllCaughtUpBody":"지금은 대출 담당자가 귀하에게 더 필요한 것이 없습니다. 변경 사항이 있으면 알려드리겠습니다.","bloan.docsNeededCountOne":"{count}개의 문서가 요청됨","bloan.docsNeededCountMany":"{count}개의 문서가 요청됨","bloan.docsNeededLetterNeeded":"설명서 필요","bloan.docsNeededUnderReview":"검토 중","bloan.docsNeededDaysWaiting":"{days}일 대기 중","bloan.docsNeededRequestedOn":"요청일 {date}","bloan.docsNeededFromSource":"출처: {source}","bloan.docsNeededUploadTitle":"업로드가 필요하신가요?","bloan.docsNeededUploadBefore":"다음을 사용하세요:","bloan.docsNeededDocumentCenter"

1:"문서 센터","bloan.docsNeededUploadAfter":"대시보드에서. PDF, 사진 및 대부분의 일반 형식을 지원합니다. 파일은 저장 시 암호화됩니다.","bloan.discrepancyDob":"생년월일","bloan.discrepancyLastName":"성","bloan.discrepancyMonthlyIncome":"월 소득","bloan.docAcceptedToast":"문서가 승인되었습니다.","bloan.docAcceptFailedToast":"승인에 실패했습니다.","bloan.docAcceptedRow":"{type} — 승인됨","bloan.docDiscrepancyBadge":"불일치 {count}건","bloan.docFlagged":"표시됨","bloan.docSays":"문서 내용","bloan.doc1003Says":"1003 내용","bloan.docAccept":"승인","bloan.docOverride":"재정의","bloan.docMoreFields":"+{count}개 더","bloan.docBackToLoan":"대출로 돌아가기","bloan.docReviewEyebrow":"문서 검토","bloan.docBatchReconciliation":"일괄 대조","bloan.docAllGoodSubtitle":"모든 문서가 양호합니다. 낮은 신뢰도나 불일치 항목이 없습니다.","bloan.docNeedReviewSubtitle":"{count}개의 문서를 검토해야 합니다. 데이터를 확인하려면 승인하거나, 감지된 범주를 재정의하세요.","bloan.docStatNeedsReview":"검토 필요","bloan.docStatDiscrepancies":"불일치","bloan.docStatAccepted":"승인됨","bloan.docAllGoodTitle":"모든 문서가 양호합니다","bloan.docAllGoodBody":"낮은 신뢰도 분류나 데이터 불일치가 감지되지 않았습니다.","bloan.docBackToCenter":"문서 센터로 돌아가기","bloan.duBackToLoan":"← 대출","bloan.duTitle":"심사 결정","bloan.duSubtitle":"이 항목들은 귀하 대출의 심사역으로부터 왔습니다. 이를 완료하면 대출이 마감에 가까워집니다.","bloan.duNotReached":"귀하의 대출이 아직 심사 단계에 도달하지 않았습니다. 대출 기관의 심사역이 파일을 검토하면 이 페이지에 필요한 사항이 표시됩니다.","bloan.duWhatThisMeans":"이것이 귀하에게 의미하는 바","bloan.duWhatYouNeedToDo":"해야 할 일","bloan.duNoActionItems":"아직 조치 항목이 없습니다. 대출 담당자가 결과를 검토하고 있습니다.","bloan.duDecisionInProgress":"심사 진행 중","bloan.duDecisionApprovedBadge":"승인됨","bloan.duDecisionApprovedHeadline":"귀하의 대출이 순조롭게 진행 중입니다","bloan.duDecisionReferBadge":"수동 검토","bloan.duDecisionReferHeadline":"귀하의 대출이 수동으로 검토되고 있습니다","bloan.duDecisionNeedsActionBadge":"조치 필요","bloan.duDecisionNeedsActionHeadline":"귀하의 대출에 주의가 필요합니다","bloan.duWhyThisMatters":"이것이 중요한 이유","bloan.duWhatToDo":"해야 할 일","bloan.duDueBy":"기한 {date}","bloan.duOpenThisItem":"이 항목 열기 →","bloan.incomeMethodW2Salary":"연봉을 12로 나눕니다. 가장 단순한 경우로, 전체 급여가 월 자격 소득으로 계산됩니다.","bloan.incomeMethodW2Hourly":"시급 \xd7 주당 근무 시간 \xd7 연간 주 수 \xf7 12. 초과 근무, 보너스, 수당은 각자의 평균 산정 규칙이 있으며 여기에 포함되지 않습니다.","bloan.incomeMethodSelfEmployed":"최근 2년 세금 신고서의 순소득을 평균합니다 (Fannie Mae 1084 방식). 연초부터 현재까지의 수익은 타당성 확인용이며, 자격 소득을 2년 평균 이상으로 높이지 않습니다.","bloan.incomeMethodRental":"총 임대료 \xd7 75% (표준 공실/유지보수 차감) \xd7 귀하의 소유 비율. 순임대 소득은 부동산의 PITI를 상쇄합니다. PITI가 임대료의 75%를 초과하면 그 차액이 월 부채가 됩니다.","bloan.incomeMethodRetirement":"월 분배 금액이지만, 약속어음 날짜로부터 최소 36개월 이상 지속되는 경우에만 해당됩니다. 연금, IRA, 401(k) 인출은 모두 이 규칙을 따릅니다 (Fannie B3-3.1-09).","bloan.incomeMethodMilitary":"기본급 + BAH(기본 주택 수당) + BAS(기본 생계 수당) + 기타 수당. 모두 비과세이며 그로스업 대상입니다. 1.25배 계수에 대해 대출 담당자와 상의하세요.","bloan.incomeMethodOther":"맞춤 소득원. 자격 금액은 귀하가 제공한 빈도와 당사의 표준 정규화 규칙에 따라 달라집니다.","bloan.incomeTypeW2Salary":"W-2 급여","bloan.incomeTypeW2Hourly":"W-2 시급","bloan.incomeTypeSelfEmployed":"자영업","bloan.incomeTypeRental":"임대 부동산","bloan.incomeTypeRetirement":"은퇴 자금 분배","bloan.incomeTypeMilitary":"군","bloan.incomeTypeOther":"기타 소득","bloan.incomeLoanNotFoundBody":"찾으시는 대출을 찾을 수 없습니다.","bloan.incomeTitle":"귀하의 소득 산정 방식","bloan.incomeIntro":"모기지 자격 소득이 항상 총 급여와 같은 것은 아닙니다. 다음은 귀하의 대출에서 각 소득원이 어떻게 계산되는지에 대한 항목별 설명입니다.","bloan.incomeTotalQualifying":"총 월 자격 소득","bloan.incomeAcrossSourcesOne":"{count}개의 소득원 기준.","bloan.incomeAcrossSourcesMany":"{count}개의 소득원 기준.","bloan.incomeNoSourcesTitle":"아직 구조화된 소득원이 없습니다","bloan.incomeNoSourcesBody":"대출 담당자가 아직 파일에 구조화된 소득원을 추가하지 않았습니다. 1003 신청서의 월 소득 합계를 직접 사용하고 있을 수 있습니다. 소득원이 입력되면 이 페이지에 항목별 내역이 표시됩니다.","bloan.incomePerMonth":"{amount}/월","bloan.incomeCounted":"산정됨","bloan.incomeIncomplete":"미완성","bloan.incomeCalculatorNote":"계산기 참고:","bloan.incomeFooterQuestionTitle":"어떤 숫자에 대해 궁금한 점이 있으신가요?","bloan.incomeFooterQuestionBody":"여기의 계산은 Fannie Mae 및 Freddie Mac 심사 지침을 따릅니다. 대출 담당자가 특정 계산에 대해 자세히 안내해 드릴 수 있습니다.","bloan.incomeFooterDtiBody":"이 수치는 부채 대비 소득 비율(DTI)을 계산하는 데 사용됩니다. 이는 새 모기지를 포함하여 부채 상환에 들어가는 월 소득의 비율입니다. 대부분의 대출 프로그램은 DTI를 43%에서 50% 사이로 제한합니다.","bloan.nocNotFoundTitle":"찾을 수 없음","bloan.nocNotFoundBody":"이 통지가 존재하지 않거나 접근 권한이 없습니다.","bloan.nocBackToCd":"Closing Disclosure로 돌아가기","bloan.nocTitle":"취소 권리 통지","bloan.nocSubtitle":"Truth in Lending Act \xa71635에 따라 요구되는 연방 공시.","bloan.nocNotIssued":"이 대출에 대한 취소 권리 통지가 아직 발급되지 않았습니다.","bloan.nocLatestVersion":"최신 버전","bloan.nocVersion":"버전 {version}","bloan.nocIssuedOn":"발급일 {date}","bloan.nocTransactionDate":"거래일","bloan.nocCancelByMidnight":"자정까지 취소","bloan.crPhaseSchedule":"일정","bloan.crPhaseReview":"검토","bloan.crPhaseSign":"서명","bloan.crPhaseFund":"자금 지급","bloan.crPhaseClose":"마감","bloan.crFailedToLoad":"불러오기 실패","bloan.crLoading":"마감 룸을 불러오는 중…","bloan.crCouldNotLoad":"마감 룸을 불러올 수 없습니다","bloan.crVeraAriaLabel":"Breeze와의 마감일 채팅","bloan.crAskVera":"Breeze에게 문의","bloan.crVeraSuggestPark":"어디에 주차해야 하나요?","bloan.crVeraSuggestArrive":"몇 시에 도착해야 하나요?","bloan.crVeraSuggestCashToClose":"제 마감 시 필요 현금 금액은 얼마인가요?","bloan.crVeraSuggestFundAfterSign":"서명 후 제 대출은 언제 지급되나요?","bloan.crVeraSuggestDelays":"마감을 지연시키는 일이 생기면 어떻게 되나요?","bloan.crVeraSuggestWetDry":"wet close와 dry close는 무엇인가요?","bloan.crVeraWelcome":"저는 Breeze입니다. 오늘 마감에 대해 무엇이든 물어보세요.","bloan.crEyebrow":"마감 룸","bloan.crWelcomeNewHome":"새 집에 오신 것을 환영합니다","bloan.crWelcomeName":"환영합니다, {name} 님","bloan.crDateNotSet":"날짜 미정","bloan.crAskVeraAnchor":"마감에 대해 Breeze에게 문의 →","bloan.crBannerPendingLabel":"마감일 대기 중","bloan.crBannerPendingDetail":"마감일은 귀하와 브로커가 합의하면 여기에 표시됩니다.","bloan.crBannerPastLabel":"대출 마감됨","bloan.crBannerPastDetail":"마감일이 지났습니다. 자금 지급 및 등기 세부 정보는 아래에 있습니다.","bloan.crBannerTodayLabel":"오늘 마감","bloan.crBannerTodayDetail":"오늘이 바로 그날입니다. 최종 검토와 서명이 지금 진행됩니다.","bloan.crBannerSoonLabelO

1ne":"마감까지 {days}일","bloan.crBannerSoonLabelMany":"마감까지 {days}일","bloan.crBannerSoonDetail":"마지막 단계입니다. 마감 패키지를 검토하고 자금을 준비하세요.","bloan.crBannerNormalLabel":"마감까지 {days}일","bloan.crBannerNormalDetail":"마감 기간에 들어섰습니다. 이 룸을 마감 관련 모든 사항의 단일 거점으로 사용하세요.","bloan.crStepPickDate":"1. 마감일 선택","bloan.crStepReviewCd":"2. Closing Disclosure 검토","bloan.crOpenItemsOne":"{count}개 항목에 주의가 필요합니다","bloan.crOpenItemsMany":"{count}개 항목에 주의가 필요합니다","bloan.crOpenItemsBody":"심사역에게 미해결 요청이 있습니다. 서명이 지연되지 않도록 마감일 전에 처리하세요.","bloan.crViewOpenItems":"미해결 항목 보기","bloan.crStepSign":"3. 마감 패키지 서명","bloan.crSignNotOpenTitle":"서명이 아직 열리지 않았습니다","bloan.crSignNotOpenReady":"브로커가 마감 패키지를 준비 중입니다. 서명 준비가 되는 즉시 이메일과 푸시 알림을 보내드립니다.","bloan.crSignNotOpenWaiting":"먼저 Closing Disclosure를 검토해야 합니다. 3영업일의 대기 기간이 지나면 서명이 열립니다.","bloan.crSignedTitle":"서명 완료 — 수고하셨습니다!","bloan.crSignedBody":"{when}에 서명했습니다. 다음으로 자금 지급이 시작됩니다.","bloan.crSignDeclinedTitle":"서명이 거부되었습니다","bloan.crSignDeclinedBody":"브로커에게 연락하세요. 우려 사항을 해결한 후 봉투를 다시 열 수 있습니다.","bloan.crReadyToSignTitle":"서명 준비 완료","bloan.crReadyToSignBody":"15~30분을 확보하세요. 마감 패키지는 여러 문서(약속어음, 증서, 공시)로 구성됩니다.","bloan.crOpenSigningPortal":"서명 포털 열기","bloan.crStepNotary":"3a. 공증인 일정 잡기","bloan.crNeedHelp":"도움이 필요하신가요?","bloan.crNeedHelpBody":"마감일에는 권원, 대출 기관, 공증인, 자금 등 여러 요소가 얽혀 있습니다. 연락 주시면 모든 것을 조율해 드리겠습니다.","bloan.crContactBroker":"브로커에게 연락하기","bdocs.required":"필수","bdocs.pendingUpload":"업로드 대기 중","bdocs.whatIsThis":"이것은 무엇인가요?","bdocs.whatIsThisPrompt":'"{name}"을(를) 업로드해야 하는데 정확히 무엇인지, 어떻게 받는지 잘 모르겠습니다. 이 문서가 무엇인지, 제 대출에 왜 필요한지, 그리고 어디서 찾거나 요청할 수 있는지 안내해 주세요.',"bdocs.upload":"업로드","bdocs.backToDashboard":"대시보드로 돌아가기","bdocs.documentCenter":"문서 센터","bdocs.headerTitle":"대출 문서를 한곳에서","bdocs.headerSubtitle":"급여 명세서, 세금 신고서, 은행 명세서, 신분증을 업로드하세요. 모든 문서를 OCR로 처리하고 각 파일을 올바른 위치로 분류해 드립니다 — 직접 라벨을 지정할 필요가 없습니다.","bdocs.offlineBanner":"오프라인 상태입니다. 마지막으로 저장된 문서 목록을 표시하고 있으며 업로드는 일시 중지되었습니다.","bdocs.cachedFrom":"{date} 기준 캐시됨","bdocs.verified":"확인됨","bdocs.uploaded":"업로드됨","bdocs.pending":"대기 중","bdocs.fileCountOne":"파일 {count}개","bdocs.fileCountMany":"파일 {count}개","bdocs.totalDocs":"전체 문서","bdocs.documentCollection":"문서 수집","bdocs.collectedCount":"{total}개 중 {collected}개 수집됨","bdocs.smartUpload":"스마트 업로드","bdocs.smartUploadSubtitle":"아무 파일이나 끌어다 놓으세요 — 무엇인지, 어디로 가야 하는지 파악해 드립니다.","bdocs.stillNeeded":"아직 필요함 ({count})","bdocs.uploadToClear":"각 항목을 완료하려면 업로드하세요.","bdocs.submitted":"제출됨 ({count})","bdocs.reviewDiscrepancies":"불일치 검토 →","bdocs.emptyTitle":"아직 업로드된 문서가 없습니다","bdocs.emptyDescription":"위의 스마트 업로드 영역에 파일을 끌어다 놓으세요. 자동으로 분류하여 올바른 위치로 보내드립니다.","bdocs.readyToSubmit":"제출 준비 완료","bdocs.requiredRemainingOne":"필수 항목 {count}개 남음","bdocs.requiredRemainingMany":"필수 항목 {count}개 남음","bdocs.submitHeadingReady":"검토를 위해 파일ì

1„ 제출하세요","bdocs.submitHeadingAlmost":"거의 다 됐습니다","bdocs.submitBodyReady":"제출하시면 대출 담당자가 파일을 검토한 후 대출 기관에 제출합니다.","bdocs.submitBodyAlmost":"위의 남은 필수 항목을 업로드하세요. 완료되면 버튼이 자동으로 활성화됩니다.","bdocs.submitting":"제출 중…","bdocs.submitApplication":"신청서 제출","bdocs.askVeraLabel":"아직 필요한 문서를 Breeze에게 물어보세요","bdocs.askVeraPrompt":"아직 업로드해야 할 문서가 무엇인지, 각 문서가 어떤 용도인지 이해할 수 있도록 도와주세요.","bdocs.mismatchTitle":"불일치 가능성 감지됨","bdocs.proceedAnyway":"그래도 계속하기","bdocs.fieldFile":"파일","bdocs.fieldTargeting":"대상 위치","bdocs.fieldDetected":"감지됨","bdocs.reviewing":"검토 중","bdocs.noFilesUploaded":"업로드된 파일 없음","bdocs.toastScanning":"문서 {count}개 스캔 중...","bdocs.toastProcessedOne":"문서 {count}개를 성공적으로 처리했습니다.","bdocs.toastProcessedMany":"문서 {count}개를 성공적으로 처리했습니다.","bdocs.toastUnidentified":"업로드된 파일ì

1„ 식별할 수 없습니다. 특정 카테고리에 수동으로 업로드해 주세요.","bdocs.toastAnalyzing":"문서 분석 중...","bdocs.toastUploadSuccess":"문서가 성공적으로 업로드되었습니다.","bdocs.toastUploadError":"문서 처리 중 오류가 발생했습니다.","bdocs.toastUploadCancelled":"업로드 취소됨","bdocs.toastSubmitFailed":"신청서 제출에 실패했습니다. 다시 시도해 주세요.","bdocs.documentFallback":"문서","bdocs.issueTypeMismatch":"이것은 {detected}(으)로 보이지만(신뢰도 {confidence}%), {target}에 업로드하고 있습니다.","bdocs.issueLastNameMissing":'문서에서 대출자의 성 "{lastName}"을(를) 찾을 수 없습니다.',"bdocs.issueDobMismatch":"생년월일 불일치: 신청서에는 {appDob}, 이 신분증에는 {idDob}로 되어 있습니다.","bdocs.issueIncomeMismatch":"소득 불일치: 급여 명세서에는 월 ~${detected}로 나타나지만 신청서에는 월 ${reported}로 되어 있습니다.","bdocs.esignStatusSent":"전송됨 — 서명 대기 중","bdocs.esignStatusViewed":"열람됨 — 서명 대기 중","bdocs.esignStatusSigned":"서명 완료","bdocs.esignStatusDeclined":"거부됨","bdocs.esignStatusExpired":"만료됨","bdocs.esignStatusVoided":"무효 처리됨","bdocs.esignStatusFailed":"실패","bdocs.esignFrameSubtitle":"전자 서명 봉투","bdocs.esignMissingEnvelopeTitle":"봉투 id 누락","bdocs.esignMissingEnvelopeBody":"봉투 id가 제공되지 않았습니다. 이 페이지는 스텁 eSign URL을 통해 접근합니다 — 직접 이 페이지에 도달했다면 그것이 문제입니다.","bdocs.esignSignInTitle":"계속하려면 로그인하세요","bdocs.esignSignInBody":"이 서명 봉투를 보려면 로그인해야 합니다.","bdocs.esignBorrowerSignIn":"대출자 로그인","bdocs.esignStaffSignIn":"브로커 / 대출 담당자 / 관리자 로그인","bdocs.esignForbiddenTitle":"접근 금지","bdocs.esignForbiddenBody":"이 서명 봉투에 대한 접근 권한이 없습니다.","bdocs.esignStubTitle":"eSign 스텁 봉투","bdocs.esignStubProviderHeading":"스텁 제공

1업체 — 개발 전용","bdocs.esignStubProviderBody":'프로덕션에서는 공급업체가 선택되면 이 화면이 Dropbox Sign / DocuSign / DocMagic eSign으로 대체됩니다. 아래 "서명"을 클릭하면 envelope.signed 웹훅 이벤트가 발생하여 브로커 UI의 상태 표시가 서명 완료로 바뀝니다 — 실제 어댑터가 사용할 것과 동일한 데이터 경로입니다.',"bdocs.esignProvider":"제공업체","bdocs.esignSigner":"서명자","bdocs.esignSent":"전송됨","bdocs.esignStatus":"상태","bdocs.esignSignedAt":"서명 시각","bdocs.esignBackDisclosures":"← 공시 자료로 돌아가기","bdocs.esignBackBrokerLoan":"← 브로커 대출 화면으로 돌아가기","bdocs.recordingSignature":"서명 기록 중…","bdocs.signEnvelopeStub":"봉투 서명 (스텁)","bdocs.fillSubmitFailed":"제출 실패 ({status})","bdocs.fillNetworkError":"네트워크 오류","bdocs.fillDoneTitle":"모두 완료되었습니다, {name}님!","bdocs.fillDoneBody":"{brokerName}님에게 알림이 전달되었습니다. 곧 연락드릴 예정입니다.","bdocs.fillGreeting":"안녕하세요 {name}님 \uD83D\uDC4B","bdocs.fillIntro":"{brokerName}님이 대출을 계속 진행하기 위해 몇 가지 정보가 필요합니다:","bdocs.fillLoanAmount":"대출 금액","bdocs.fillLoanAmountHint":"대출받고자 하는 금액입니다.","bdocs.fillLoanAmountPlaceholder":"예: 450,000","bdocs.fillPropertyValue":"부동산 가치","bdocs.fillPropertyValueHint":"주택 가치에 대한 최선의 추정치입니다.","bdocs.fillPropertyValuePlaceholder":"예: 600,000","bdocs.fillOccupancy":"이 부동산을 어떻게 사용하실 건가요?","bdocs.fillSelect":"선택…","bdocs.fillOccupancyPrimary":"주 거주지 (제가 살 ê³³)","bdocs.fillOccupancySecond":"별장 / 휴가용 주택","bdocs.fillOccupancyInvestment":"투자용 / 임대용","bdocs.fillLoanPurpose":"대출 목적","bdocs.fillPurposePurchase":"새 주택 구입","bdocs.fillPurposeRefinance":"현재 대출 재융자","bdocs.fillPropertyType":"부동산 유형","bdocs.fillTypeSingleFamily":"단독 주택","bdocs.fillTypeCondo":"콘도","bdocs.fillTypeTownhouse":"타운하우스","bdocs.fillTypeMultiFamily":"2-4세대 (다세대)","bdocs.fillTypeManufactured":"조립식 주택","bdocs.fillEmail":"이메일 주소","bdocs.fillEmailHint":"대출 담당자가 연락할 수 있도록 합니다.","bdocs.fillEmailPlaceholder":"[email protected]","bdocs.fillSending":"보내는 중…","bdocs.fillSendToLO":"내 대출 담당자에게 보내기","bdocs.fillPrivacyNote":"이 정보는 대출 담당자에게만 공유됩니다.","bdocs.fillLinkNotFoundTitle":"링크를 찾을 수 없음","bdocs.fillLinkNotFoundBody":"이 링크는 유효하지 않거나 삭제되었습니다. 오류라고 생각되면 대출 담당자에게 문의하세요.","bdocs.fillLinkExpiredTitle":"링크 만료됨","bdocs.fillLinkExpiredBody":"이 링크는 만료되었습니다. 새 링크를 받으려면 대출 담당자에게 문의하세요.","bdocs.fillAlreadySubmittedTitle":"이미 제출됨","bdocs.fillAlreadySubmittedBody":"감사합니다 — 정보를 이미 받았습니다. 대출 담당자에게 알림이 전달되었습니다.","bdocs.fillBrokerFallback":"내 대출 담당자","bdocs.fillBorrowerFallback":"고객님","bdocs.preApprovalEyebrow":"사전 승인","bdocs.preApprovalHonestTitle":"고객님의 사전 승인","bdocs.preApprovalHonestSubtitle":"고객님의 공식 사전 승인 서류는 자동 추정치가 아니라 대출 기관에서 발급합니다. 대출 담당자가 이를 준비하여 파일이 준비되면 공유해 드립니다.","bdocs.preApprovalHowItWorks":"진행 방식","bdocs.preApprovalLenderIssues":"대출 기관이 사전 승인을 발급합니다","bdocs.preApprovalHonestPara1":"진정한 사전 승인은 실제로 실행할 수 있는 가격을 반영합니다. 금리, 상환금, 대출 금액 등의 수치는 이 화면의 추정치가 아니라 신청서 검토 후 대출 기관이 결정합니다.","bdocs.preApprovalHonestPara2":"대출 담당자가 고객님의 파일ì

1„ 정리하고 실제 상황에 맞춰 가격을 책정한 뒤, 판매자와 중개인에게 전달할 수 있는 공식 사전 승인 서류를 공유해 드립니다. 연락하시면 진행해 드립니다.","bdocs.preApprovalWhatYouGet":"받게 되는 것","bdocs.preApprovalGetItem1":"오퍼를 제출할 때 공유할 수 있는 대출 기관 발급 서류.","bdocs.preApprovalGetItem2":"실제 신용, 소득, 자산을 바탕으로 검토된 가격.","bdocs.preApprovalGetItem3":"수치를 차근차근 설명해 주는 대출 담당자.","bdocs.preApprovalTalkToLO":"대출 담당자와 상담하기","bdocs.preApprovalTalkToLOBody":"대출 담당자가 공식 사전 승인을 준비하여 공유해 드립니다.","bdocs.preApprovalMessageLO":"대출 담당자에게 메시지 보내기","bdocs.preApprovalReadyEyebrow":"사전 승인이 준비되었습니다","bdocs.preApprovalLetterTitle":"고객님의 사전 승인 서류","bdocs.preApprovalLetterSubtitle":"대출 담당자가 대출 기관의 공식 사전 승인을 공유했습니다. 아래에서 열어보신 후 오퍼를 제출할 때 판매자와 중개인에게 전달하세요.","bdocs.preApprovalLenderIssuedLabel":"대출 기관 발급","bdocs.preApprovalLetterFallback":"사전 승인 서류","bdocs.preApprovalLetterBody":"이것은 대출 기관에서 발급한 실제 사전 승인으로, 대출 담당자가 준비하여 공유한 것입니다. 여기에 적힌 모든 수치는 실제로 실행할 수 있는 가격을 반영합니다.","bdocs.preApprovalFileFallback":"Pre-approval.pdf","bdocs.preApprovalShared":"{date} 공유됨","bdocs.preApprovalOpenError":"파일을 열 수 없습니다 ({error}). 잠시 후 다시 시도하거나 대출 담당자에게 메시지를 보내세요.","bdocs.preApprovalLoading":"로딩 중…","bdocs.preApprovalView":"사전 승인 보기","bdocs.download":"다운로드","bdocs.preApprovalQuestions":"사전 승인에 대해 궁금한 점이 있으신가요?","bdocs.preApprovalQuestionsBody":"대출 담당자가 수치와 다음 단계를 차근차근 안내해 드립니다.","bdocs.preApprovalRealThing":"진짜배기","bdocs.preApprovalRealThingBody":"이 서류는 대출 기관에서 직접 발급한 것입니다. 판매자와 매물 중개인은 이를 거래를 마감할 수 있다는 증거로 인정합니다.","bset.allSettings":"모든 설정","bset.hubTitle":"설정","bset.hubSubtitle":"계정과 환경설정을 관리하세요.","bset.sectionProfileTitle":"프로필","bset.sectionProfileDesc":"이름, 이메일 및 전화번호","bset.sectionSecurityTitle":"보안","bset.sectionSecurityDesc":"비밀번호, 2FA, 패스키 및 보안 질문","bset.sectionNotificationsTitle":"알림","bset.sectionNotificationsDesc":"대출에 관한 소식을 알려드리는 방법과 시점","bset.sectionAppearanceTitle":"화면 모양","bset.sectionAppearanceDesc":"테마 및 색상","bset.sectionConnectionsTitle":"연결","bset.sectionConnectionsDesc":"은행 계좌 및 연결된 서비스","bset.sectionPrivacyTitle":"개인정보 및 데이터","bset.sectionPrivacyDesc":"데이터 다운로드 또는 삭제 (CCPA / GDPR)","bset.privacyTitle":"개인정보 및 데이터","bset.privacyDescription":"캘리포니아의 CCPA 및 GDPR에 따라 귀하는 데이터를 조회, 내보내기 또는 삭제할 권리가 있습니다. 아래 컨트롤을 사용하세요.","bset.privacyRetentionNote":"45일 이내에 응답해 드립니다. 일부 데이터는 연방 기록 ë³´ì¡´(HMDA, BSA / OFAC, Reg B / ECOA, FCRA)을 위해 필수이며, 개인 환경설정을 삭제한 후에도 보존해야 합니다. 요청을 처리할 때 어떤 항목이 해당 ë³´ì¡´ 대상인지 알려드립니다.","bset.appearanceTitle":"화면 모양","bset.appearanceDescription":"포털 화면 모양을 조정하세요.","bset.themeTitle":"테마","bset.themeDescription":"라이트, 미드나이트 또는 트루 블랙 중에서 선택하세요.","bset.themeLight":"라이트","bset.themeMidnight":"미드나이트","bset.themeTrueBlack":"트루 블랙","bset.accentColorTitle":"강조 색상","bset.accentColorDescription":"버튼, 링크 및 강조 표시에 사용됩니다.","bset.accentColorAria":"{name} 강조 색상","bset.colorIndigo":"인디고","bset.colorOcean":"오션","bset.colorForest":"포레스트","bset.colorSunset":"선셋","bset.colorLavender":"라벤더","bset.connectionsTitle":"연결","bset.connectionsDescription":"대출에 연결된 은행 계좌 및 기타 서비스.","bset.bankAccountPlaid":"은행 계좌 (Plaid)","bset.bankAccountDescription":"은행 잔액과 명세서를 1003 양식에 자동으로 입력합니다. 언제든지 연결을 해제할 수 있으며, 연결을 해제하면 Plaid에서 캐시한 데이터도 삭제됩니다.","bset.loading":"불러오는 중…","bset.startApplicationToConnect":"은행을 연결하려면 신청서를 시작하세요.","bset.bankConnected":"은행 연결됨","bset.bankConnectedNamed":"은행 연결됨 — {name}","bset.noBankConnected":"연결된 은행이 없습니다. 신청서의 자산 섹션에서 은행을 연결할 수 있습니다.","bset.productAssetReport":"자산 보고서","bset.productAssetReportPending":"2년치 잔액을 가져ì˜

1¤ëŠ” 중…","bset.productIncomeVerification":"소득 확인","bset.productIncomePending":"직접 입금 내역 분석 중…","bset.productConsumerReport":"소비자 보고서","bset.productConsumerPending":"현금 흐름 지표 생성 중…","bset.productReady":"준비됨","bset.productFailed":"실패 — 대출 담당자에게 문의하세요","bset.profileTitle":"프로필","bset.profileDescription":"대출에 등록된 이름과 연락처 정보.","bset.profileLoadError":"프로필을 불러올 수 없습니다.","bset.personalInformation":"개인 정보","bset.personalInformationDesc":"입력하는 동안 자동으로 저장됩니다. 1003 신청서와 고지 사항에 사용됩니다.","bset.fieldFirstName":"이름","bset.fieldMiddleName":"중간 이름","bset.fieldLastName":"성","bset.fieldEmail":"이메일","bset.fieldEmailHelp":"이메일 변경에는 인증이 필요합니다 — 지원팀에 문의하세요.","bset.fieldPhone":"전화번호","bset.unsavedProfileEdits":"저장되지 않은 프로필 수정 사항","bset.saveFailed":"저장하지 못했습니다.","bset.saving":"저장 중…","bset.saveNow":"지금 저장","bset.savedAt":"{time}에 저장됨","bset.saveFailedRetry":"저장하지 못했습니다 — 다시 시도하려면 저장을 누르세요","bset.autoSaving":"자동 저장 중…","bset.upToDate":"최신 상태","bset.securityTitle":"보안","bset.securityDescription":"계정을 안전하게 보호하세요.","bset.twoFactorTitle":"2단계 인증","bset.twoFactorDescription":"비밀번호에 더해 인증 앱 코드를 추가합니다.","bset.passkeysTitle":"패스키","bset.passkeysDescription":"지문, 얼굴 또는 기기 PIN으로 로그인하세요 — 피싱에 강하며 권장됩니다.","bset.securityQuestionsTitle":"보안 질문","bset.securityQuestionsDescription":"새 기기에서 로그인할 때 대체 수단으로 사용됩니다.","bset.recentSignInsTitle":"최근 로그인","bset.recentSignInsDescription":"귀하의 계정에 로그인한 기기입니다. 알 수 없는 기기가 있으면 비밀번호를 변경하세요.","bset.passwordTitle":"비밀번호","bset.passwordDescription":"비밀번호를 변경하면 다른 기기에서 로그아웃됩니다.","bset.passwordTooShort":"새 비밀번호는 8자 이상이어야 합니다.","bset.passwordsDoNotMatch":"새 비밀번호가 일치하지 않습니다.","bset.passwordChangeError":"비밀번호를 변경할 수 없습니다.","bset.currentPassword":"현재 비밀번호","bset.newPassword":"새 비밀번호","bset.confirmNewPassword":"새 비밀번호 확인","bset.passwordUpdated":"비밀번호가 업데이트되었습니다.","bset.changePassword":"비밀번호 변경","bset.cancel":"취소","bset.twoFactorEnabled":"2FA가 활성화되었습니다.","bset.disableTwoFactor":"2FA 비활성화","bset.disableTwoFactorWarning":"2FA를 비활성화하면 계정이 비밀번호와 이메일 코드에만 의존하게 됩니다. 계속하시겠습니까?","bset.disabling":"비활성화하는 중…","bset.confirmDisableTwoFactor":"예, 2FA 비활성화","bset.loadingShort":"불러오는 중…","bset.setUpTwoFactor":"2FA 설정","bset.scanWithAuthenticator":"Google Authenticator, Authy 또는 1Password로 스캔하세요.","bset.twoFactorQrAlt":"2FA QR","bset.manualKeyLabel":"수동 키:","bset.sixDigitCode":"6자리 코드","bset.authenticatorCodeAria":"인증 앱 6자리 코드","bset.verifyAndEnable":"확인 후 활성화","bset.notificationsTitle":"알림","bset.notificationsDescription":"대출 소식을 알려드리는 방법을 선택하세요.","bset.channelsTitle":"채널","bset.savesAutomatically":"자동으로 저장됩니다.","bset.emailLabel":"이메일","bset.emailDescription":"상태 업데이트, 문서 요청 및 주요 단계.","bset.smsLabel":"SMS","bset.smsDescription":"시간에 민감한 알림만 — 금리 고정 확인 및 서명 요청.","bset.prefsLoadError":"환경설정을 불러올 수 없습니다.","bset.condPrefsLoadError":"ì¡°ê±´ 환경설정을 불러올 수 없습니다.","bset.saveFailedToggleReverted":"저장하지 못했습니다 — 토글이 되돌려졌습니다.","bset.saveFailedTryAgain":"저장하지 못했습니다 — 다시 시도하세요.","bset.saveFailedShort":"저장 실패","bset.conditionNotificationsTitle":"ì¡°ê±´ 알림","bset.conditionNotificationsDescription":"대출 담당자가 조건을 추가하거나 업데이트할 때 어떤 알림이 전송될지 선택하세요. 대출 담당자가 활성화하지 않은 채널은 흐리게 표시됩니다.","bset.condNewEmailLabel":"새 ì¡°ê±´ 이메일","bset.condNewEmailDesc":"대출에 새 조건이 추가될 때","bset.condWeeklyDigestLabel":"주간 요약","bset.condWeeklyDigestDesc":"미해결 항목에 대한 일요일 요약","bset.condStaleReminderLabel":"미처리 ì¡°ê±´ 알림","bset.condStaleReminderDesc":"조건에 7일간 활동이 없을 때 한 번 알림","bset.condInAppToastLabel":"다음 방문 시 앱 내 토스트","bset.condInAppToastDesc":"포털을 열 때 표시되는 새 항목 개수","bset.condPushLabel":"푸시 알림","bset.condPushDesc":"PWA 푸시 (앱이 설치되어 있어야 함)","bset.noLoanAssigned":"아직 배정된 대출이 없습니다 — 환경설정이 저장되었으며 대출 담당자가 연결되면 적용됩니다.","bset.voiceAccessibilityTitle":"음성 및 접근성","bset.voiceAccessibilityDescription":"Breeze가 음성으로 귀하와 상호작용하는 방식을 제어하세요.","bset.voiceInputLabel":"음성 입력 — Breeze에게 질문을 음성으로 받아쓰게 하기","bset.voiceInputDescription":"브라우저의 마이크를 사용합니다. 브라우저 지원이 필요합니다.","bset.voiceOutputLabel":"음성 출력 — Breeze의 답변을 소리 내어 읽기","bset.voiceOutputDescription":"Breeze의 각 메시지 옆에 재생 버튼이 표시됩니다.","bset.channelNotEnabledTooltip":"대출 담당자가 이 채널을 활성화하지 않았습니다","bset.notEnabledByLoanOfficer":"대출 담당자가 활성화하지 않음","binfo.resGuidesTitle":"실용 가이드","binfo.resGuidesDesc":"주택 구입, 최적 금리 확보, 신속한 신용 개선에 대한 단계별 정보입니다.","binfo.resChecklistTitle":"문서 체크리스트","binfo.resChecklistDesc":"허둥대지 마세요. 즉시 승인에 필요한 정확한 재무 기록이 무엇인지 알려드립니다.","binfo.resGlossaryTitle":"모기지 용어집","binfo.resGlossaryDesc":"복잡한 업계 전문 용어를 쉽게 풀이합니다. 상환(Amortization), 에스크로(Escrow) 같은 용어를 명확하게 정의합니다.","binfo.faqDownPaymentQ":"계약금으로 얼마가 필요한가요?","binfo.faqDownPaymentA":"대출 유형에 따라 다릅니다. FHA 대출은 최소 3.5%, 일반 대출은 보통 3~5%가 필요하며, 자격을 갖춘 대출자의 경우 VA / USDA 대출은 계약금 0%도 가능합니다. 브로커가 귀하의 상황에 맞는 장단점을 안내해 드립니다.","binfo.faqCreditScoreQ":"승인을 받으려면 신용 점수가 얼마나 필요한가요?","binfo.faqCreditScoreA":"대부분의 일반 대출 기관은 620점 이상을 원합니다. FHA 대출은 580점까지 허용하며(계약금이 더 크고 보완 요소가 있으면 ê·¸ 이하도 가능), 점수가 높을수록 더 좋은 금리를 받을 수 있습니다. 최고 금리 구간에 도달하려면 740점 이상을 목표로 하

1세요.","binfo.faqProcessTimeQ":"전체 과정은 얼마나 걸리나요?","binfo.faqProcessTimeA":"신청서 제출부터 자금 지급까지, 대부분의 구매는 30~45일 내에 마감됩니다. 가장 큰 변수는 문서가 얼마나 빨리 도착하는지입니다. 첫날에 모든 것을 준비하면 일정에서 일주일 이상을 단축할 수 있습니다.","binfo.faqRateLockQ":"금리를 언제 고정해야 하나요?","binfo.faqRateLockA":"금리는 매일 변동됩니다. 수락된 제안과 감당할 수 있는 상환금이 정해지면 금리를 고정하는 것이 보통 올바른 선택입니다. 심사(underwriting) 중에 금리가 불리하게 움직일 위험을 없애 줍니다. 브로커가 시기에 대해 조언해 드립니다.","binfo.learningCenter":"학습 센터","binfo.heroTitlePrefix":"지식은","binfo.heroTitleHighlight":"힘입니다","binfo.heroSubtitle":"대출을 시작부터 마감까지 이해하는 데 도움이 되는 가이드, 정의, 체크리스트입니다.","binfo.open":"열기","binfo.commonQuestions":"자주 묻는 질문","binfo.checklistTitle":"문서 체크리스트","binfo.checklistSubtitle":"필요한 문서를 미리 준비하면 대출 절차를 몇 주 앞당길 수 있습니다. 일반적으로 필요한 항목은 다음과 같습니다.","binfo.proTip":"전문가 팁","binfo.proTipBody":"신청을 시작하면 이 문서들을 대시보드에서 바로 업로드할 수 있습니다. 안전한 포털을 통해 휴대폰이나 컴퓨터에서 모든 것을 간편하게 제출할 수 있습니다.","binfo.glossarySubtitle":"대출 용어를 쉽게 풀어 드립니다.","binfo.glossarySearchPlaceholder":"용어 검색...","binfo.glossarySearchAria":"모기지 용어 검색","binfo.glossaryRegionAria":"용어집 항목","binfo.glossaryNoResults":"“{search}”와 일치하는 용어가 없습니다","binfo.glossaryTermsStartingWith":"{letter}(으)로 시작하는 용어","binfo.backToResources":"자료로 돌아가기","binfo.readyNextStep":"다음 단계로 나아갈 준비가 되셨나요?","binfo.glossaryEyebrow":"용어집","binfo.glossaryPlainTitle":"쉬운 말로 풀어 쓴 모기지 용어","binfo.glossaryPlainSubtitle":"대출 서류에서 보게 될 {count}개의 용어입니다. 특정 용어를 검색하거나 전체 목록을 스크롤해 보세요.","binfo.backToDashboard":"대시보드로 돌아가기","binfo.helpEyebrow":"도움말 및 둘러보기","binfo.helpTitle":"알아야 할 모든 것","binfo.helpSubtitle":"대출자 포털의 모든 페이지를 쉬운 말로 안내하는 가이드입니다. 아래 목차로 원하는 곳으로 이동하거나, 스크롤하여 전체 안내를 확인하세요.","binfo.watchTheTour":"둘러보기 보기","binfo.tableOfContents":"목차","binfo.tocDashboard":"대시보드","binfo.tocLoanStatusPanel":"대출 상태 패널","binfo.tocUploadingDocuments":"문서 업로드","binfo.toc1003Application":"1003 신청서","binfo.tocPricingRateLocks":"가격 및 금리 고정","binfo.tocAccountSecurity":"계정 보안","binfo.tocNotificationsPreferences":"알림 및 환경설정","binfo.tocContactingBroker":"브로커에게 연락하기","binfo.tocTroubleshooting":"문제 해결","binfo.secDashboardTitle":"내 대시보드","binfo.secStatusTitle":"대출 상태 패널","binfo.secDocumentsTitle":"문서 업로드","binfo.sec1003Title":"1003 신청서","binfo.secPricingTitle":"가격 및 금리 고정","binfo.secSecurityTitle":"계정 보안","binfo.secSettingsTitle":"알림 및 환경설정","binfo.secContactTitle":"브로커에게 연락하기","binfo.secTroubleshootTitle":"문제 해결","binfo.stillStuck":"아직 해결되지 않으셨나요?","binfo.startSpotlightTour":"스포트라이트 둘러보기 시작","binfo.welcome":"환영합니다","binfo.welcomeName":"환영합니다, {name}님","binfo.getStartedSubtitle":"대출 신청을 시작할 준비가 되셨나요? 지금 시작하거나 준비되면 언제든지 다시 오실 수 있습니다.","binfo.recommended":"추천","binfo.begin1003":"1003 신청서 시작","binfo.begin1003Desc":"대출 신청ì

1„œë¥¼ 단계별로 작성하세요. 언제든지 저장하고 이어서 진행할 수 있습니다.","binfo.startApplication":"신청 시작","binfo.skipForNow":"나중에 하기","binfo.skipForNowDesc":"대시보드로 이동합니다. 신청서는 나중에 작성하겠습니다.","binfo.skipToDashboard":"대시보드로 건너뛰기","binfo.securePrivate":"안전하고 비공개","binfo.securePrivateDesc":"은행 수준의 암호화로 개인 정보를 안전하게 보호합니다.","binfo.saveProgress":"진행 상황 저장","binfo.saveProgressDesc":"지금 시작하고 나중에 완료하세요. 작업 내용을 자동으로 저장해 드립니다.","binfo.fastPreApproval":"신속한 사전 승인","binfo.fastPreApprovalDesc":"며칠이 아닌 몇 분 만에 결정을 받아보세요.","binfo.invalidInviteTitle":"유효하지 않은 초대 링크","binfo.invalidInviteBody":"방문하신 추천 링크가 유효하지 않거나 만료되었습니다. 아래에서 계정을 만들거나 로그인하실 수 있습니다.","binfo.createAccount":"계정 만들기","binfo.heroLine1":"당신의 모기지, 명확하게 설명합니다.","binfo.heroLine2":"당신의 파일, 안전하게 잠급니다.","binfo.startHeroSubtitle":"시작까지 2분. 처음에는 계정도, 신용 조회도 필요 없으며, 저장을 선택하기 전까지 SSN이나 소득 서류도 요구하지 않습니다.","binfo.startMyApplication":"내 신청 시작","binfo.noCreditPull":"신용 조회 없음 \xb7 약정 없음 \xb7 약 2분","binfo.inviteBadge":"{name} \xb7 {brokerage}에서 초대했습니다","binfo.phishingLine":"이 페이지는 {firstName}님이 당신을 위해 만들었습니다. 예상하지 못한 페이지라면 계속 진행하지 마세요.","binfo.threeWaysToBegin":"시작하는 세 가지 방법","binfo.pickThePath":"나에게 맞는 경로를 선택하세요.","binfo.pathStartTitle":"신청 시작","binfo.pathStartBody":"바로 시작하세요. 부동산과 연락처 정보를 먼저 입력한 후, 가입 후에 나머지를 진행합니다.","binfo.startNow":"지금 시작","binfo.pathSetupEyebrow":"먼저 설정하기","binfo.pathSetupTitle":"먼저 계정 만들기","binfo.pathSetupBody":"계정을 설정하고, 둘러보기를 진행한 다음, 대시보드에서 시작하세요.","binfo.pathReturningEyebrow":"재방문","binfo.pathReturningBody":"이미 계정이 있으신가요? 멈췄던 곳에서 바로 이어서 진행하세요.","binfo.howItWorks":"이용 방법","binfo.hereToKeys":"여기서 열쇠를 받기까지, 단 3단계로.","binfo.step1Title":"부동산에 대해 알려주세요","binfo.step1Body":"이름, 연락처, 무엇을 융자받는지. 약 2분.","binfo.step2Title":"계정 만들기","binfo.step2Body":"진행 상황을 저장하세요. 그다음 급여 명세서, 세금 신고서, 은행 거래 내역서를 준비합니다.","binfo.step3Title":"대출 진행 상황을 지켜보세요","binfo.step3Body":"감정, 권원, 대출 기관 상태를 예상 완료 시간(ETA)ê³¼ 함께 실시간으로 확인하세요.","binfo.builtOnInfrastructure":"견고한 인프라 위에 구축되었습니다","binfo.footerLegal":"{company}은(는) California Mortgage Solutions, Inc.의 서비스입니다. CA에서 NMLS 면허 보유. 평등 주택 기회(Equal Housing Opportunity).","binfo.footerPrivacy":"개인정보처리방침","binfo.footerTerms":"이용약관","binfo.previewLoanStatus":"대출 상태","binfo.previewOnTrack":"정상 진행 중","binfo.previewUnderwriting":"심사","binfo.previewEtaFriday":"60% — 예상 금요일","binfo.previewChecklistBank":"2개월치 은행 거래 내역서","binfo.previewChecklistW2":"최근 W-2","binfo.previewChecklistPaystub":"최근 급여 명세서","binfo.stepN":"{n}단계","binfo.vaultHeadline":"금고처럼 만들었습니다. 허가받은 사람만 열 수 있습니다.","binfo.trustGroupIdentity":"신원","binfo.trustGroupEncryption":"암호화와 격리","binfo.trustGroupDocuments":"문서","binfo.trustGroupCompliance":"내장된 규정 준수","binfo.trustGroupReliability":"신뢰성","binfo.trustGroupAi":"사람이 책임지는 AI","binfo.trustItemTwoStep":"모든 계정에 2단계 로그인, 항상 켜져 있습니다.","binfo.trustItemPasskeys":"패스키 및 인증 앱 로그인.","binfo.trustItemNewDevice":"새 기기 감지 및 즉시 알림.","binfo.trustItemTls":"플랫폼 전체에 TLS 1.3 적용, 브라우저에 사전 로드된 엄격한 전송 보안.","binfo.trustItemAes":"저장된 자격 증명에 AES-256-GCM 암호화 적용.","binfo.trustItemIsolation":"브로커리지 간 완전 격리. 한 회사의 데이터는 다른 회사에서 절대 조회할 수 없습니다.","binfo.trustItemAuditTrail":"완전한 감사 기록: 모든 열람, 다운로드, 서명에 시간과 수행자가 기록됩니다.","binfo.trustItemSignatures":"서명은 기기 및 주소 증거와 함께 기록됩니다.","binfo.trustItemCreditMemory":"신용 데이터는 메모리에서만 처리되며 저장소에는 절대 기록되지 않습니다.","binfo.trustItemFingerprint":"콘텐츠 지문 기반 저장소: 파일은 단 한 번만 존재하며 몰래 바꿀 수 없습니다.","binfo.trustItemDisclosureTiming":"공시 기한을 자동으로 집행하고 수령일을 추적합니다.","binfo.trustItemMismo":"업계 표준 대출 데이터, 발송 전에 공식 스키마로 검증합니다.","binfo.trustItemSanctions":"제출 또는 내보내기 전에 제재 대상 여부를 확인합니다.","binfo.trustItemSafeguards":"서면으로 된 연방 보호 프로그램과 모든 대출에 배정된 허가받은 브로커.","binfo.trustItemOffline":"오프라인에서도 작동합니다. 신청서는 기기에 저장되고 다시 연결되면 동기화됩니다.","binfo.trustItemLanguages":"6개 언어.","binfo.trustItemLiveStatus":"감정, 권원, 대출 기관 파트너의 실시간 상태.","binfo.trustItemPiiRedacted":"문ì

1„œê°€ AI 모델에 전달되기 전에 개인 식별 정보를 제거합니다.","binfo.trustItemPeopleDecide":"AI는 읽고 분류하며, 모든 결정은 허가받은 사람이 내립니다.","binfo.trustItemKillSwitch":"스위치 하나로 플랫폼 전체의 클라우드 AI를 끌 수 있습니다.","binfo.trustReadMore":"전체 보안 세부 정보 읽기.","binfo.whoHeading":"함께 일하는 사람","binfo.whoPersonEyebrow":"담당자","binfo.whoBrokerageEyebrow":"담당 브로커리지","binfo.whoLicensedIn":"{states} 면허 보유","binfo.licenseNmls":"NMLS #{id}","binfo.licenseDre":"{state} DRE #{id}","binfo.returningEmailPlaceholder":"이메일 주소","binfo.continue":"계속","binfo.miniStreet":"도로명 주소","binfo.miniUploadHint":"파일을 여기에 끌어다 놓거나 탭하여 업로드","security.eyebrow":"보안","security.intro":"Unified Loan System이 차용인의 파일을 어떻게 보호하는지, 쉬운 말로 빠짐없이 설명합니다. 이 페이지의 모든 내용은 실제 운영 중인 플랫폼에서 확인한 뒤에 기록되며, 확인할 수 없는 내용은 완곡하게 바꾸지 않고 생략합니다.","security.diagramTitle":"내 정보는 어디로 가나요","security.diagramBorrower":"나","security.diagramTransit":"전송 중 암호화","security.diagramFile":"브로커리지의 격리된 파일","security.diagramLogged":"모든 접근 기록","security.specTitle":"전체 사양","security.vendorSentence":"호스팅 및 데이터 파트너는 SOC 2 Type II 보고서를 보유하고 있습니다. Unified Loan System 자체는 아직 SOC 2 감사를 완료하지 않았습니다.","security.omittedNote":"확인할 수 없는 내용은 이 페이지에 싣지 않으며, 남겨두기 위해 표현을 바꾸는 일도 없습니다.","binfo.uwSubmittedEyebrow":"제출됨","binfo.uwSubmittedTitle":"파일이 제출되었습니다","binfo.uwSubmittedBody":"대출 담당자가 파일을 검토 중이며 대출 기관에 제출할 예정입니다. 업데이트가 있는 즉시 알려드리겠습니다.","binfo.uwReviewEyebrow":"검토 중","binfo.uwReviewTitle":"파일이 검토 중입니다","binfo.uwReviewBody":"대출 담당자가 대출 기관을 위해 파일을 준비하고 있습니다. 업데이트가 있는 즉시 알려드리겠습니다.","binfo.uwSeniorEyebrow":"수석 심사역","binfo.uwUnderwriterEyebrow":"심사역 검토","binfo.uwSeniorTitle":"수석 심사역 검토","binfo.uwUnderwriterTitle":"신청서 검토 중","binfo.uwSeniorBody":"해결된 조건에 대한 최종 검토입니다. 승인되는 즉시 알려드립니다. 보통 영업일 기준 1~2일 이내에 처리됩니다.","binfo.uwUnderwriterBody":"실제 심사역이 파일을 검토하고 있습니다. 새로운 조건이 도착하거나 파일이 승인되는 즉시 알려드립니다.","binfo.uwClearEyebrow":"마감 승인","binfo.uwClearTitle":"마감 승인을 받으셨습니다!","binfo.uwClearBody":"축하합니다. 모든 조건이 승인되었습니다. 대출 담당자가 24시간 이내에 마감 관련 절차에 대해 연락드릴 예정입니다.","binfo.actionRequired":"조치 필요","binfo.conditionToClearOne":"해결할 ì¡°ê±´ {count}개","binfo.conditionsToClear":"해결할 ì¡°ê±´ {count}개","binfo.uwConditionsBody":"심사역이 추가 증빙이 필요한 몇 가지 항목을 발견했습니다. 아래 요청된 각 문서를 업로드하세요. 모든 항목이 해결되는 즉시 대출이 계속 진행됩니다.","binfo.fromUnderwriter":"심사역으로부터","binfo.newRequirements":"새 요건","binfo.initialAusFindings":"초기 AUS ê²°ê³¼","binfo.fromAutomatedUnderwriter":"자동 심사 시스템으로부터","binfo.readyToResubmit":"재제출 준비 완료","binfo.almostThere":"거의 다 됐어요","binfo.allConditionsSatisfied":"모든 ì¡°ê±´ 충족됨","binfo.conditionRemainingOne":"남은 ì¡°ê±´ {count}개","binfo.conditionsRemaining":"남은 ì¡°ê±´ {count}개","binfo.resubmitReadyBody":"최종 승인을 위해 파일을 심사역에게 다시 보내세요. 보통 영업일 기준 1~2일 이내에 승인됩니다.","binfo.resubmitPendingBody":"위의 남은 항목을 업로드하세요. 모든 항목이 충족되면 버튼이 자동으로 활성화됩니다.","binfo.submitUpdatesForReview":"검토를 위해 업데이트 제출","binfo.onFile":"보관됨","binfo.documentSubmittedOne":"이미 제출된 문서 {count}개","binfo.documentsSubmitted":"이미 제출된 문서 {count}개","binfo.fileCountOne":"파일 {count}개","binfo.fileCount":"파일 {count}개","binfo.verified":"확인됨","binfo.underReview":"검토 중","binfo.satisfied":"충족됨","binfo.typeOrDictate":"아래에 설명을 입력하거나 음성으로 받아쓰세요","binfo.explanationSubmitted":"설명이 제출되었습니다","binfo.explainPlaceholder":"대출 담당자에게 상황을 설명하세요…","binfo.listening":"듣는 중…","binfo.submitExplanation":"설명 제출","binfo.uploadToSatisfy":"이 조건을 충족하려면 업로드하세요","binfo.analyzingApplication":"신청서를 분석하는 중…","binfo.aiUnderwriterReviewing":"AI 심사 시스템이 귀하의 문서를 검토하고 있습니다.","binfo.underwriting

1Cleared":"심사 승인 완료","binfo.approvedLoanOptions":"승인된 대출 옵션","binfo.loanOptionsSubtitle":"귀하의 소득, 부채, 신용을 바탕으로 자격이 되는 모든 프로그램입니다. 아래 계약금 슬라이더를 조정하면 모든 항목이 실시간으로 재산정됩니다.","binfo.metricMonthlyIncome":"월 소득","binfo.metricMonthlyDebts":"월 부채","binfo.metricDtiRatio":"DTI 비율","binfo.metricAboveConvCap":"일반 대출 한도 초과","binfo.metricWithinConvLimits":"일반 대출 한도 이내","binfo.metricLtvRatio":"LTV 비율","binfo.metricPmiApplies":"보통 PMI 적용","binfo.metricBelowPmiThreshold":"PMI 기준 미만","binfo.downPayment":"계약금","binfo.adjustLiveRepricing":"조정하여 실시간 재산정을 확인하세요","binfo.sliderMinFha":"3% (FHA 최소)","binfo.sliderNoPmi":"20% (PMI 없음)","binfo.eligiblePrograms":"자격 가능한 프로그램 {count}개","binfo.bestMatch":"최적 매칭","binfo.programLabel":"프로그램","binfo.rateLabel":"금리","binfo.thirtyYrFixed":"30년 고정","binfo.programTerm":"기간","binfo.thirtyYears":"30년","binfo.estMonthlyPi":"예상 월 원리금(P&I)","binfo.providedAtLock":"금리 고정 시 제공","binfo.selectThisLoan":"이 대출 선택","binfo.lowestPayment":"귀하의 상황에 맞는 최저 상환금","binfo.wantSecondOpinion":"다른 의견을 들어보시겠어요?","binfo.notSureWhichToPick":"어떤 것을 선택해야 할지 모르시겠나요?","binfo.loTradeoffsBody":"대출 담당자가 5분 안에 장단점을 안내해 드립니다. 상환금 대 마감 시 필요한 현금, 고정 대 ARM, 그리고 포인트(points) 지불이 실제로 유리한 시점까지 알려드립니다.","brate.noApplicationTitle":"아직 신청서가 없습니다","brate.noApplicationBody":"대시보드에서 신청서를 시작하세요. 신청이 진행되면 대출 담당자가 금리와 옵션을 안내해 드립니다.","brate.rateSheetTitle":"실시간 도매 금리","brate.rateSheetSubtitle":"당사 대출 기관 네트워크 전반에서 이용 가능한 최적의 가격입니다. 맞춤 금리는 신용, LTV, 거주 여부, 프로그램에 따라 달라집니다 — 실제 견적을 받으려면 신청서를 시작하세요.","brate.rateSheetTableTag":"프로그램별 최적 금리","brate.asOfUpdated":"업데이트됨","brate.marketAverageTitle":"전국 평균 모기지 금리","brate.marketAverageSubtitle":"Freddie Mac의 주간 1차 모기지 시장 조사 — 일반적인 대출자가 보는 전국 평균이며, 맞춤 견적이 아닙니다. 신청하시는 즉시 실제 상황에 맞춰 가격을 산정해 드립니다.","brate.marketAverageTableTag":"전국 평균 \xb7 Freddie Mac PMMS","brate.asOfWeekOf":"주간 기준","brate.defaultTitle":"오늘의 모기지 금리","brate.defaultSubtitle":"당사 대출 기관 네트워크가 업데이트되면 실시간 가격이 여기에 게시됩니다. 그동안 몇 분 안에 맞춤 견적을 받아보세요 — 시작할 때 신용 조회가 필요 없습니다.","brate.eyebrowMortgageRates":"모기지 금리","brate.personalizedHeading":"귀하의 금리는 맞춤형입니다","brate.personalizedBody":"단일한 “오늘의 금리”란 없습니다. 금리는 신용, 대출 금액, 계약금, 부동산, 프로그램에 따라 달라집니다. 신청서를 시작하시면 대출 담당자가 실제 상황에 맞춰 가격을 산정합니다 — 시작할 때 신용 조회가 필요 없습니다.","brate.ctaPersonalizedQuote":"맞춤 견적 받기","brate.ctaTalkToLoanOfficer":"대출 담당자와 상담하기","brate.rateActionsLabel":"금리 작업","brate.alertsEyebrow":"시장 살펴보기","brate.alertsTitle":"금리 알림","brate.alertsBodyOff":"원하시는 목표를 알려주시면 상담할 가치가 있을 때 이메일로 알려드립니다. 불필요한 알림 없이 — 유용한 알림만 보내드립니다.","brate.alertsBodyOn":"원하시는 목표 금리를 알려주시면 어떤 프로그램이든 그 아래로 떨어지는 즉시 이메일로 알려드립니다. 불필요한 알림 없이 — 유용한 알림만 보내드립니다.","brate.alertsCta":"알림 설정하기","brate.lockEyebrowOff":"금리 보호하기","brate.lockEyebrowOn":"오늘의 금리 보호하기","brate.lockTitle":"금리 고정하기","brate.lockBodyOff":"가격이 산정되면 대출 담당자가 서류를 마무리하는 동안 금리를 고정할 수 있습니다.","brate.lockBodyOn":"마음에 드시나요? 대출 담당자가 서류를 마무리하는 동안 최대 60일까지 금리를 고정할 수 있습니다.","brate.lockCta":"금리 고정 요청하기","brate.adviceEyebrow":"전문가와 대화하기","brate.adviceTitle":"전문가 조언","brate.adviceBody":"어떤 프로그램이 맞는지 모르시나요 — VA, FHA, 일반, ARM? 대출 담당자에게 메시지를 보내 정확한 답변을 받으세요.","brate.adviceCta":"대출 담당자에게 메시지 보내기","brate.whyNoSingleRateTitle":"단일 금리를 게시하지 않는 이유","brate.whyNoSingleRateBody":"실제로 적용할 수 없는 금리는 도움이 되지 않습니다. 실제 금리는 신용, LTV, 거주 여부, 부동산 유형, 에스크로 선택, 그리고 프로그램의 기초 2차 시장 거래에 따라 달라집니다. 신청서를 시작하시면 실제 상황에 맞춰 가격을 산정하고, 대출 담당자가 귀하와 함께 금리를 처리해 드립니다.","brate.close"

1:"닫기","brate.finishApplicationTitle":"먼저 신청서를 완료하세요","brate.finishApplicationBodyOff":"맞춤 금리를 산정하려면 대출 신청서(1003)에서 몇 가지 정보가 필요합니다. 몇 분이면 됩니다 — 언제든지 저장하고 다시 이어서 진행할 수 있습니다.","brate.finishApplicationBodyOn":"맞춤 금리를 표시하려면 대출 신청서(1003)에서 몇 가지 정보가 필요합니다. 몇 분이면 됩니다 — 언제든지 저장하고 다시 이어서 진행할 수 있습니다.","brate.startApplication":"신청서 시작하기","brate.eyebrowTodaysRates":"오늘의 금리","brate.fetchingPricing":"최신 가격을 가져오는 중…","brate.livePricing":"실시간 가격","brate.ctaCustomRate":"맞춤 금리 받기","brate.loadingRates":"금리를 불러오는 중…","brate.todaysRateSheet":"오늘의 금리표","brate.ratesHeading":"금리","brate.asOf":"{date} 기준","brate.tableCaption":"실시간 모기지 금리표","brate.colLoanProgram":"대출 프로그램","brate.colRate":"금리","brate.colPoints":"포인트","brate.colEstPayment":"예상 상환금*","brate.colActions":"작업","brate.mobileListLabel":"모기지 금리 프로그램","brate.statPmtPerMo":"월 상환금","brate.apply":"신청하기","brate.estPaymentFootnote":"* 표시된 금리로 {amount} 대출에 대한 예상 월 원금 및 이자입니다. 세금, 보험, PMI는 제외됩니다. 실제 금리는 신용, LTV, 거주 여부, 프로그램 자격에 따라 달라집니다.","brate.whyDiffersTitle":"귀하의 금리가 표와 다를 수 있는 이유","brate.whyDiffersBody":"위 수치는 시장 참고용이며 맞춤 견적이 아닙니다. 금리는 신용, LTV, 거주 여부, 부동산 유형, 에스크로 선택, 그리고 프로그램의 기초 2ì°¨ 시장 거래에 따라 달라집니다. 신청서를 시작하시면 실제 상황에 맞춰 가격을 다시 산정합니다.","brate.loadingTodaysRates":"오늘의 금리를 불러오는 중…","brate.emptyTitle":"실시간 가격이 곧 제공됩니다","brate.emptyBody":"당사 대출 기관 네트워크가 업데이트되면 오늘의 금리가 여기에 게시됩니다. 그동안 귀하의 상황에 맞는 금리를 받아보세요 — 몇 분이면 되고 시작할 때 신용 조회가 필요 없습니다.","brate.emptyCta":"맞춤 견적 받기","bchat.suggestBorrowerAfterSubmit":"신청서를 제출한 후에는 어떻게 되나요?","bchat.suggestBorrowerUnderwritingTime":"심사(underwriting)는 보통 얼마나 걸리나요?","bchat.suggestBorrowerClosingDocs":"마감 시 어떤 문서가 필요한가요?","bchat.suggestBorrowerRateDetermined":"제 금리는 어떻게 결정되나요?","bchat.suggestBrokerLoansAtRisk":"어떤 대출이 위험에 처해 있나요?","bchat.suggestBrokerNotContacted":"일주일 동안 연락하지 않은 사람은 누구인가요?","bchat.suggestBrokerStatusUpdate":"가장 오래된 파일에 대한 상태 업데이트를 작성해 주세요","bchat.suggestBrokerPipelineSummary":"단계별로 제 파이프라인을 요약해 주세요","bchat.welcomeBroker":"파이프라인에 대해 무엇이든 물어보세요.","bchat.heroTitleBroker":"안녕하세요, 저는 Breeze입니다. 파이프라인에 대해 어떻게 도와드릴까요?","bchat.welcomeBorrower":"신청서에 대해 무엇이든 물어보세요.","bchat.heroTitleBorrower":"안녕하세요, 저는 Breeze입니다. 신청서에 대해 어떻게 도와드릴까요?","bchat.prettyApplication":"내 신청서","bchat.prettyLoans":"내 대출","bchat.prettyDocuments":"내 문서","bchat.prettyDashboard":"내 대시보드","bchat.prettyHelpPage":"도움말 페이지","bchat.prettyAccount":"내 계정","bchat.prettyPipeline":"내 파이프라인","bchat.prettyPeopleList":"내 사람 목록","bchat.prettyOutreach":"아웃리치","bchat.prettyAnalytics":"분석","bchat.prettySettings":"설정","bchat.prettyAdmin":"관리자","bchat.backTo":"{name}(으)로 돌아가기","bchat.mortgageAi":"모기지 AI","bchat.loadingYourChat":"채팅을 불러오는 중…","bchat.brokerFooter":"당신의 파이프라인. 당신의 목소리. 당신의 Breeze — 더 많이 마감하는 브로커를 위해 만들어졌습니다.","bchat.copied":"{label}이(가) 복사되었습니다!","bchat.labelPhone":"전화","bchat.labelEmail":"이메일","bchat.loanOfficer":"대출 담당자","bchat.noteHeading":"참고","bchat.urgentNote":"금리 잠금 만료와 관련한 긴급 사항은 사무실 전화로 직접 연락해 주세요.","bchat.prefillRateAlert":"안녕하세요 — 금리 알림을 설정하고 싶습니다. 제 목표 금리는 [program]에서 X.XX%입니다. 도달하는 즉시 알려주실 수 있나요?","bchat.prefillRateLock":"안녕하세요 — 금리를 잠그고 싶습니다. 지금 제 프로필에 가장 적합한 프로그램은 무엇이며, 어떤 잠금 기간이 가능한가요?","bchat.prefillAdvice":"안녕하세요 — 제 상황에 어떤 대출 프로그램이 가장 적합한지 안내해 주실 수 있나요? FHA / VA / 일반(conventional) / ARM을 비교하고 있는데 의견을 듣고 싶습니다.","bchat.sentAttachment":"\uD83D\uDCC1 첨부파일 전송됨: {name}","bchat.fileSentSuccess":"파일이 성공적으로 전송되었습니다!","bchat.transcriptCopied":"채팅 내용이 클립보드에 복사되었습니다","bchat.dateToday":"오늘","bchat.dateYesterday":"어제","bchat.searchPlaceholder":"메시지 검색...","bchat.refreshChat":"채팅 새로고침","bchat.copyTranscript":"내용 복사","bchat.noMessagesMatching":'"{query}"와(ê³¼) 일치하는 메시지를 찾을 수 없습니다',"bchat.noMessagesYet":"아ì

1§ 메시지가 없습니다","bchat.emptyStartConversation":"대출 담당자와 대화를 시작하여 질문하거나 업데이트를 받아보세요.","bchat.attachFile":"파일 첨부","bchat.typeAMessage":"메시지를 입력하세요...","bchat.defaultBrokerName":"내 브로커","bchat.broker":"브로커","bchat.yourBroker":"내 브로커","bchat.online":"온라인","bchat.typicalReplyTime":"일반적인 응답 시간: 1시간","bchat.startConversationBroker":"브로커와 대화를 시작하세요!","bmisc.eyebrowBorrower":"대출자","bmisc.signIn":"로그인","bmisc.loading":"로딩 중…","bmisc.emailAddress":"이메일 주소","bmisc.emailPlaceholder":"[email protected]","bmisc.forgotTitle":"비밀번호 재설정","bmisc.forgotSubtitle":"이메일을 입력하시면 재설정 링크를 보내드립니다. 링크는 1시간 후 만료됩니다.","bmisc.forgotRememberedIt":"기억나셨나요?","bmisc.forgotSentSuccess":"해당 이메일이 등록되어 있다면 재설정 링크가 곧 발송됩니다. 받은편지함(및 스팸 폴더)을 확인하세요.","bmisc.forgotSendAnother":"다시 보내기","bmisc.forgotSendResetLink":"재설정 링크 보내기","bmisc.forgotErrorGeneric":"문제가 발생했습니다. 다시 시도해 주세요.","bmisc.forgotErrorNetwork":"재설정 이메일을 보낼 수 없습니다. 연결 상태를 확인하고 다시 시도해 주세요.","bmisc.resetInvalidTitle":"유효하지 않은 링크","bmisc.resetInvalidSubtitle":"이 비밀번호 재설정 링크에 필수 매개변수가 없습니다.","bmisc.resetRequestNewLink":"새 링크 요청","bmisc.resetInvalidBody":"이 링크가 손상되었거나 불완전한 것 같습니다. 새 재설정 링크를 요청해 주세요.","bmisc.resetPasswordsMismatch":"비밀번호가 일치하지 않습니다.","bmisc.resetCouldNotReset":"비밀번호를 재설정할 수 없습니다. 이 링크가 만료되었을 수 있습니다.","bmisc.resetNetworkError":"문제가 발생했습니다. 연결 상태를 확인하고 다시 시도해 주세요.","bmisc.resetDoneTitle":"비밀번호 업데이트 완료","bmisc.resetChooseTitle":"새 비밀번호 선택","bmisc.resetDoneSubtitle":"비밀번호가 변경되었습니다. 기존의 모든 세션에서 로그아웃되었습니다.","bmisc.resetChooseSubtitle":"강력한 비밀번호를 선택하세요 — 최소 8자 이상.","bmisc.resetSignInNewPassword":"새 비밀번호로 로그인","bmisc.resetLinkExpired":"링크가 만료되었나요?","bmisc.resetRequestNewOne":"새로 요청하기","bmisc.resetDoneAlert":"비밀번호가 성공적으로 업데이트되었습니다. 아래에서 로그인하여 대출로 돌아가세요.","bmisc.resetNewPasswordLabel":"새 비밀번호","bmisc.resetNewPasswordPlaceholder":"최소 8자 이상","bmisc.resetConfirmLabel":"비밀번호 확인","bmisc.resetConfirmPlaceholder":"비밀번호 다시 입력","bmisc.resetUpdatePassword":"비밀번호 업데이트","bmisc.verifyEyebrow":"이메일 인증","bmisc.verifyConfirming":"이메일 확인 중…","bmisc.verifyTitleSuccess":"인증 완료","bmisc.verifyTitleError":"이메일을 확인할 수 없습니다","bmisc.verifyIsConfirmed":"이(가) 확인되었습니다.","bmisc.verifyMissingToken":"이 링크에 인증 토큰이 없습니다. 아래에서 새 링크를 요청하세요.","bmisc.verifyConfirmedMsg":"이메일이 확인되었습니다. 환영합니다.","bmisc.verifyCouldNotConfirm":"이 링크를 확인할 수 없습니다. 만료되었을 수 있습니다.","bmisc.verifyNetworkError":"인증 중 네트워크 오류가 발생했습니다. 잠시 후 다시 시도해 주세요.","bmisc.verifyEnterValidEmail":"먼저 유효한 이메일을 입력하세요.","bmisc.verifyResendSent":"전송되었습니다. 받은편지함(및 스팸 폴더)을 확인하세요.","bmisc.verifyResendFailed":"지금은 다시 보낼 수 없습니다.","bmisc.verifySignedInAsBefore":"현재 로그인 계정:","bmisc.verifySignedInAsAfter":"— 방금 인증한 계정을 사용하려면 로그아웃하세요.","bmisc.verifySignOutAndSwitch":"로그아웃 후 전환","bmisc.verifyStaySignedIn":"{email}(으)로 로그인 유지","bmisc.verifyContinueSignIn":"계속 로그인하기","bmisc.verifyAutoRedirecting":"{countdown}초 후 자동 이동…","bmisc.verifySendFreshLink":"새 링크 보내기","bmisc.verifySending":"전송 중…","bmisc.verifyResend":"다시 보내기","bmisc.verifySignInInstead":"대신 로그인하기","bmisc.verifyWrongEmailSignUp":"이메일이 잘못되었나요? 다시 가입하기","bmisc.notifTitle":"알림","bmisc.notifOfflineCached":"오프라인 — 최근 캐시된 알림 20개를 표시합니다.","bmisc.notifOfflineStale":"ì˜

1¤í”„라인 상태입니다 — 알림이 최신이 아닐 수 있습니다.","bmisc.notifUnreadSwipe":"읽지 않음 {unread}개 — 오른쪽으로 밀어 읽음으로 표시","bmisc.notifAllCaughtUp":"모두 확인했습니다","bmisc.notifMarkAllRead":"모두 읽음으로 표시","bmisc.notifFilter_all":"전체","bmisc.notifFilter_unread":"읽지 않음","bmisc.notifFilter_loan":"대출","bmisc.notifFilter_document":"문서","bmisc.notifFilter_compliance":"규정 준수","bmisc.notifEmptyAll":"아직 알림이 없습니다.","bmisc.notifEmptyFiltered":"{filter} 알림이 없습니다.","bmisc.notifToday":"오늘","bmisc.notifYesterday":"어제","bmisc.coEyebrow":"공동 대출자","bmisc.coInviteEyebrow":"공동 대출자 초대","bmisc.coLoadingTitle":"초대 불러오는 중…","bmisc.coInvalidLink":"유효하지 않은 초대 링크","bmisc.coAcceptFailed":"초대를 수락하지 못했습니다","bmisc.coUnavailableTitle":"초대를 사용할 수 없음","bmisc.coUnavailableSubtitle":"이 링크는 더 이상 유효하지 않습니다.","bmisc.coUnavailableBody":"주 대출자에게 새 초대를 보내달라고 요청하세요. 각 링크는 일회용이며 7일간 유효합니다.","bmisc.coReturnHome":"홈으로 돌아가기","bmisc.coExpiredTitle":"초대 만료됨","bmisc.coExpiredBody":"이 초대는 7일 기한이 지났습니다. {name}님에게 새 초대를 보내달라고 요청하세요.","bmisc.coRevokedTitle":"초대 취소됨","bmisc.coRevokedBody":"주 대출자가 이 초대를 취소했습니다. 실수였다면 {name}님에게 새 초대를 보내달라고 요청하세요.","bmisc.coAlreadyAcceptedTitle":"이미 수락됨","bmisc.coAlreadyAcceptedBody":"이 초대는 이미 수락되었습니다. 로그인하여 신청서를 계속 작성하세요.","bmisc.coWrongAccountTitle":"잘못된 계정","bmisc.coWrongAccountSubtitle":"초대가 다른 이메일로 발송되었습니다.","bmisc.coWrongAccountBefore":"현재 로그인 계정:","bmisc.coWrongAccountMiddle":", 그러나 이 초대는 다음 주소로 발송되었습니다:","bmisc.coWrongAccountAfter":". 로그아웃한 후 초대받은 이메일로 로그인하여 수락하세요.","bmisc.coSigningOut":"로그아웃 중…","bmisc.coSwitchAccounts":"계정 전환","bmisc.coInviteTitle":"{name}님이 모기지 신청서에 회원님을 초대했습니다","bmisc.coSomeone":"누군가","bmisc.coInviteSubtitleBefore":"회원님은 다음으로 추가되었습니다:","bmisc.coInviteSubtitleAfter":"대출 신청서에서. 아래를 클릭하여 계정을 만들거나 로그인하세요.","bmisc.coDetailInvitedBy":"초대한 사람","bmisc.coUnknown":"(알 수 없음)","bmisc.coDetailYourRole":"회원님의 역할","bmisc.coDetailSentTo":"수신자","bmisc.coDetailExpiresIn":"만료까지","bmisc.coDayOne":"{n}일","bmisc.coDayMany":"{n}일","bmisc.coWhatNextTitle":"다음 단계는?","bmisc.coWhatNextBody":"수락하면 대출 신청서로 이동하여 회원님의 섹션 — 소득, 고용, 자산, 그리고 {name}님이 답한 것과 동일한 신원 확인 질문 — 을 작성하게 됩니다. 회원님의 정보는 대출 신청서 외부의 누구와도 절대 공유하지 않습니다.","bmisc.coCreateAccount":"내 계정 만들기","bmisc.coHaveAccount":"이미 계정이 있습니다","bmisc.coAccepting":"수락 중…","bmisc.coAcceptInvitation":"ì´

1ˆëŒ€ 수락","bsharedA.autofilledFromLastLoan":"지난 대출 정보에서 자동 입력됨","bsharedA.lastLoan":"지난 대출","bsharedA.clearAutofilledValue":"{fieldKey}의 자동 입력 값 지우기","bsharedA.aiLoanAdvisor":"AI 대출 상담사","bsharedA.askAboutYourLoan":"대출에 관해 질문하세요...","bsharedA.send":"보내기","bsharedA.biometricDeleteError":"생체 인식 데이터를 삭제할 수 없습니다","bsharedA.biometricNoneOnFile":"보관된 생체 인식 데이터가 없습니다 — 삭제할 항목이 없습니다.","bsharedA.biometricDeletedOne":"{count}개의 인증 기록을 삭제했습니다.","bsharedA.biometricDeletedMany":"{count}개의 인증 기록을 삭제했습니다.","bsharedA.deleteBiometricData":"생체 인식 데이터 삭제","bsharedA.biometricExplainer":"Unified Loan System는 마감 시 송금 사기로부터 귀하를 보호하기 위해 얼굴 일치 신원 확인을 수행합니다. 귀하는 언제든지 얼굴 사진과 추출된 얼굴 크롭의 즉시 삭제를 요청할 수 있습니다. 인증 메타데이터(숫자 유사도 점수 및 확인 실행 시점에 대한 감사 로그)는 모기지 기록 보관 요건에 따라 보관됩니다.","bsharedA.biometricConfirm":"확실합니까? 이 작업은 취소할 수 없습니다.","bsharedA.deleting":"삭제 중…","bsharedA.yesDelete":"예, 삭제","bsharedA.couldNotLoadConditions":"조건을 불러올 수 없습니다.","bsharedA.tryAgain":"다시 시도","bsharedA.blockingYourLoan":"대출을 가로막는 항목","bsharedA.seeAllConditions":"모든 ì¡°ê±´ 보기","bsharedA.brokeredBy":"브로커","bsharedA.backupCardRemoveConfirm":"보관된 결제 카드를 삭제하시겠습니까? 브로커는 더 이상 이 카드로 제3자 비용을 청구할 수 없습니다. 필요한 경우 나중에 새 카드를 저장할 수 있습니다.","bsharedA.backupCardRemoveError":"카드를 삭제할 수 없습니다","bsharedA.backupCardRemovedTitle":"카드가 삭제되었습니다","bsharedA.backupCardRemovedMsg":"보관된 결제 카드가 삭제되었습니다.","bsharedA.paymentCardOnFile":"보관된 결제 카드","bsharedA.backupCardHeldDesc":"백업으로 보관됩니다. 대출이 성사되지 않는 경우에만, 그리고 귀하를 대신해 실제로 지불된 비용에 한해서만 청구됩니다.","bsharedA.cardGeneric":"카드","bsharedA.cardEnding":"{brand} 끝자리 {last4}","bsharedA.cardSavedAuthorized":"{date}에 저장됨 \xb7 {amount}까지 승인됨","bsharedA.backupCardNoAuth":"브로커가 아직 귀하의 서면 또는 녹음된 승인을 기록하지 않았습니다. 그때까지는 카드에 청구할 수 없습니다.","bsharedA.removing":"삭제 중…","bsharedA.removeCardOnFile":"보관된 카드 삭제","bsharedA.backupCardRemoveNote":"이 카드는 언제든지 삭제할 수 있습니다. 이미 청구가 시작된 경우 삭제로 되돌릴 수 없으니 브로커에게 문의하세요.","bsharedA.checkingDisclosureStatus":"공시 상태 확인 중…","bsharedA.closingDisclosureReady":"마감 공시서 준비 완료","bsharedA.versionLabel":"버전 {version}","bsharedA.issuedOn":"{date} 발행","bsharedA.reviewed":"검토 완료","bsharedA.actionNeeded":"조치 필요: {title}","bsharedA.earliestLegalClosingDate":"법적으로 가능한 가장 빠른 마감일: {date}","bsharedA.daysFromTodayOne":"(오늘로부터 {days}일)","bsharedA.daysFromTodayMany":"(오늘로부터 {days}일)","bsharedA.threeBusinessDayNotice":". 연방법은 공시와 서명 사이에 3영업일을 두도록 요구합니다 — 이 기간을 활용해 마감 전에 문서를 꼼꼼히 검토하고 질문하세요.","bsharedA.cashToClose":"마감 시 필요 현금","bsharedA.whatYoullBringToClosing":"마감 시 준비해야 할 금액","bsharedA.reviewYourClosingDisclosure":"마감 공시서를 검토하세요","bsharedA.todayIsClosingDay":"오늘이 마감일입니다","bsharedA.oneDayUntilClosing":"마감까지 1일","bsharedA.daysUntilClosing":"마감까지 {days}일","bsharedA.closingPreparation":"마감 준비","bsharedA.closingPortal":"마감 포털","bsharedA.openClosingPortal":"마감 포털 열기","bsharedA.skipTour":"둘러보기 건너뛰기","bsharedA.welcomeToVerispect":"Unified Loan System에 오신 것을 환영합니다","bsharedA.tourHeadlineNamed":"안녕하세요 {name}님 — 함께 시작해요","bsharedA.tourHeadlineGeneric":"함께 시작해요","bsharedA.tourHeadlineHighlight":"대출을 진행해 봅시다.","bsharedA.tourSubtitle":"대시보드, 신청서, 문서 센터를 60초 만에 둘러봅니다 — 시작하기 전에 모든 것이 어디에 있는지 정확히 알 수 있습니다.","bsharedA.stat100Digital":"100% 디지털","bsharedA.statNoPaper":"종이도 팩스도 없음","bsharedA.statBankGrade":"은행 수준 보안","bsharedA.statGlba":"GLBA + 256비트","bsharedA.statAvgClose"

1:"평균 약 30일 마감","bsharedA.statFromApplication":"신청서 제출부터","bsharedA.yourLoanEndToEnd":"처음부터 끝까지, 귀하의 대출","bsharedA.stageApply":"신청","bsharedA.stageVerify":"확인","bsharedA.stageUnderwrite":"심사","bsharedA.stageDisclose":"공시","bsharedA.stageClose":"마감","bsharedA.inTheTourWellSpotlight":"둘러보기에서 다음 항목을 집중 소개합니다","bsharedA.highlightDashboardLabel":"내 대시보드","bsharedA.highlightDashboardDesc":"상태 패널 + 미처리 요청","bsharedA.highlightRatesLabel":"오늘의 금리","bsharedA.highlightRatesDesc":"실시간 금리표 + 알림","bsharedA.highlightCalculatorsLabel":"계산기","bsharedA.highlightCalculatorsDesc":"월 상환금 + 부담 능력","bsharedA.highlightAppDocsLabel":"신청서 + 문서","bsharedA.highlightAppDocsDesc":"1003 마법사 + 업로드","bsharedA.highlightLoanOptionsLabel":"대출 옵션","bsharedA.highlightLoanOptionsDesc":"자격이 되는 프로그램","bsharedA.highlightSettingsLabel":"계정 설정","bsharedA.highlightSettingsDesc":"알림 + 개인정보 보호","bsharedA.exploreOnMyOwn":"직접 둘러보겠습니다","bsharedA.watchVideoTour":"동영상 둘러보기 보기","bsharedA.loadingYourDashboard":"대시보드를 불러오는 중…","bsharedA.stopAnytimeWith":"언제든지 중지할 수 있습니다","bsharedA.orClickingOutside":"또는 강조 영역 바깥을 클릭하세요.","bsharedA.pricingSendError":"보낼 수 없습니다: {error}","bsharedA.pricingSendErrorFallback":"다시 시도하거나 대출 담당자에게 전화하세요","bsharedA.letsTalkAboutYourRate":"금리에 대해 이야기해 봅시다","bsharedA.pricingRateExplainer":"금리는 귀하의 전반적인 재정 상황에 따라 달라지며 매일 시장과 함께 변동합니다. 확정할 수 없는 숫자를 보여드리는 대신, 대출 담당자가 대출 기관과 함께 귀하의 대출 금리를 산정하고 실제 옵션을 안내해 드립니다 — 그리고 대출 견적서(Loan Estimate)에 금리를 서면으로 받게 됩니다.","bsharedA.noSurpriseNumbers":"예상치 못한 숫자는 없습니다 — 실제 사람이 제공하는 실제 견적뿐입니다.","bsharedA.messageSentToLoanOfficer":"대출 담당자에게 메시지를 보냈습니다","bsharedA.followUpDirectly":"담당자가 직접 연락드립니다. 긴급한 사항은 위의 카드를 사용해 전화하거나 이메일을 보내세요.","bsharedA.sendAnotherMessage":"다른 메시지 보내기","bsharedA.askAboutRateOrOptions":"금리 또는 옵션에 대해 문의하세요","bsharedA.sendQuestionGetBack":"대출 담당자에게 질문을 보내면 답변해 드립니다.","bsharedA.pricingMessagePlaceholder":"안녕하세요, 다음에 대한 제 금리와 월 상환 옵션을 알고 싶습니다...","bsharedA.sending":"보내는 중…","bsharedA.sendToLoanOfficer":"대출 담당자에게 보내기","bsharedA.generalQuestionAssistant":"절차에 대한 일반적인 질문이 있으신가요? 모서리의 어시스턴트를 누르세요 — 단계와 문서를 설명해 줄 수 있지만, 귀하의 특정 금리나 승인에 관한 사항은 대출 담당자가 처리합니다.","bsharedA.wholesalePricing":"도매 가격","bsharedA.todaysPricing":"오늘의 가격","bsharedA.todaysPricingSubtitle":"오늘의 가격은 브로커의 도매 금리표를 바탕으로 귀하의 구체적인 대출 시나리오에 맞춰 계산되었습니다. 귀하에게 맞는 금리를 고정하는 방법에 대해 브로커와 상담하세요.","bsharedA.pullingTodaysPricing":"오늘의 가격을 불러오는 중…","bsharedA.noAccessToLoan":"이 대출에 대한 접근 권한이 없습니다.","bsharedA.pricingFailedToLoad":"가격을 불러오지 못했습니다.","bsharedA.noEligibleProducts":"현재 적격 상품이 없습니다","bsharedA.noEligibleProductsBody":"보관된 대출 기관 중 귀하의 상황에 맞는 상품을 보유한 곳이 없습니다. 브로커에게 연락하세요 — 신청서를 검토하고 추가 대출 기관 프로그램을 확인해 드릴 수 있습니다.","bsharedA.yourBestParRate":"최적의 파(Par) 금리","bsharedA.noDiscountPointsSuffix":"— 할인 포인트 없음","bsharedA.onAProduct":"{product} 상품 기준","bsharedA.rateLockTagline":"{days}일 금리 고정 \xb7 브로커의 도매 가격 \xb7 선불 비용 없음","bsharedA.estimatedMonthlyPI":"예상 월 원리금(P&I)","bsharedA.discountPoints":"할인 포인트","bsharedA.none":"없음","bsharedA.finalPrice":"최종 가격","bsharedA.pricingThisScenario":"이 시나리오의 가격 산정 중","bsharedA.scenarioLoan":"대출","b

1sharedA.scenarioProperty":"부동산","bsharedA.scenarioOccupancy":"거주 형태","bsharedA.scenarioPurpose":"목적","bsharedA.allAvailableProducts":"이용 가능한 모든 상품","bsharedA.allAvailableProductsDesc":"브로커가 제공할 수 있는 모든 상품에 대한 기준 금리(포인트 없음)와 최저 바이다운 금리(클로징 시 할인 포인트로 지불)입니다.","bsharedA.rateLadder":"금리 단계표","bsharedA.rateLadderSubtitle":"표면 금리 순으로 정렬되며, 낮은 금리가 먼저 표시됩니다. 더 낮은 금리는 클로징 시 포인트 구매가 필요합니다.","bsharedA.colProduct":"상품","bsharedA.colRate":"금리","bsharedA.colPoints":"포인트","bsharedA.colCostAtClosing":"클로징 시 비용","bsharedA.colLock":"고정","bsharedA.par":"기준","bsharedA.buyDown":"바이다운","bsharedA.readyToLockRate":"금리를 고정할 준비가 되셨나요?","bsharedA.readyToLockRateBody":"브로커에게 문의하세요. 자격 요건을 확인하고, 포인트 지불과 높은 금리 간의 장단점을 안내하며, 선택하신 내용을 대출에 고정해 드릴 수 있습니다.","bsharedA.missingCreditScore":"신용 점수 (브로커가 조회합니다)","bsharedA.missingLoanAmount":"대출 금액 (신청서 6단계)","bsharedA.missingPropertyValue":"부동산 가치 (신청서 6단계)","bsharedA.missingOccupancy":"부동산 사용 방식 (6단계)","bsharedA.missingLoanPurpose":"구매 또는 재융자 (6단계)","bsharedA.missingPropertyType":"부동산 유형 (6단계)","bsharedA.aFewMoreDetailsFirst":"먼저 몇 가지 정보가 더 필요합니다","bsharedA.weNeedTheseToPullPricing":"오늘의 가격을 조회하려면 이 정보가 필요합니다. 대부분은 대출 신청서에 있으며, 신용은 브로커가 조회합니다.","bsharedA.noAccessToLoanTitle":"이 대출에 대한 접근 권한이 없습니다","bsharedA.pricingDidntLoad":"가격을 불러오지 못했습니다","bsharedA.applicationProgress":"신청 진행 상황","bsharedA.fundedSuffix":"(실행 완료)","bsharedA.computingYourNumbers":"수치를 계산하는 중…","bsharedA.numbersNotReady":"수치가 아직 준비되지 않았습니다","bsharedA.numbersNotReadyBody":"대출 담당자가 아직 정보를 수집하고 있습니다. 신청이 완료되고 금리가 고정되면 월 납입금 예상액과 자격 비율을 여기에서 확인하실 수 있습니다.","bsharedA.segLoanPayment":"대출 상환금","bsharedA.segPropertyTax":"재산세","bsharedA.segHomeownersInsurance":"주택 소유자 보험","bsharedA.segMortgageInsurance":"모기지 보험","bsharedA.segHoaDues":"HOA 회비","bsharedA.viewYourLoanDetail

1s":"대출 세부 정보 보기","bsharedA.yourLoanAtAGlance":"한눈에 보는 내 대출","bsharedA.atRatePrefix":"{rate}% 금리 \xb7","bsharedA.loanOnHome":"{home} 주택에 대한 {loan} 대출","bsharedA.loanOnly":"{loan} 대출","bsharedA.hideLoanDetails":"대출 세부 정보 숨기기","bsharedA.hide":"숨기기","bsharedA.monthlyHousingPayment":"월 주택 납입금","bsharedA.atRate":"{rate}% 금리","bsharedA.loanAmount":"대출 금액","bsharedA.onAHome":"{home} 주택에 대해","bsharedA.cashYouKeepEachMonth":"매월 남는 현금","bsharedA.afterHousingAndDebts":"주택비 + 기타 부채 차감 후","bsharedA.debtToIncomeLabel":"부채 대비 소득 비율 (DTI)","bsharedA.dtiComfortable":"월 부채가 안정적인 범위 내에 있습니다. 대출 기관은 일반적으로 이를 긍정적으로 평가합니다.","bsharedA.dtiStandard":"월 부채가 표준 자격 한도 내에 있습니다.","bsharedA.dtiAbove43":"부채가 표준 안정선인 43%를 초과합니다. 일부 대출 기관은 추가 서류를 요구할 수 있습니다.","bsharedA.dtiAbove50":"월 부채가 일반적인 상한선인 50%를 초과합니다. 대출 구조를 조정해야 할 수 있습니다.","bsharedA.loanToValueLabel":"담보 대비 대출 비율 (LTV)","bsharedA.ltvBelow80":"80% 미만이므로 모기지 보험이 필요하지 않습니다. 그만큼 월 납입금이 낮아집니다.","bsharedA.ltvBetween8095":"80%를 초과하므로 대출 기관에서 모기지 보험(MI)을 요구합니다. 위의 월 납입금에 반영되어 있습니다.","bsharedA.ltvAbove95":"95%를 초과합니다. 이는 ê³ LTV 대출이며 추가 요건이 있을 수 있습니다.","bsharedA.whatGoesIntoPayment":"월 주택 납입금에 포함되는 항목","bsharedA.qualifyingEstimatesNote":"이 수치는 신청 데이터를 바탕으로 한 추정치입니다. 최종 수치는 Closing Disclosure에 표시됩니다. 궁금한 점이 있으신가요? 대출 담당자가 보낸 이메일에 답장하시면 담당자에게 바로 전달됩니다.","bsharedA.checkingRescissionStatus":"철회 상태 확인 중…","bsharedA.rightToCancel":"취소 권리","bsharedA.rescissionWindowClosed":"철회 기간이 종료되었습니다","bsharedA.oneDayLeftToCancel":"취소까지 1일 남음","bsharedA.daysLeftToCancel":"취소까지 {days}일 남음","bsharedA.deadlineEndOfDay":"마감일: {date} (당일 종료 시)","bsharedA.rescissionLegalPre":"연방법(Truth in Lending Act, 15 U.S.C. \xa71635)은 귀하에게","bsharedA.threeBusinessDays":"영업일 3일","bsharedA.rescissionLegalPost":"이 재융자를 철회할, 즉 위약금 없이 취소할 수 있습니다. 마감일 이후에는 대출이 실행되며 철회 절차를 통해 되돌릴 수 없습니다.","bsharedA.rescissionClosedBody":"영업일 3일간의 철회 권리 기간이 종료되었습니다. 이제 대출이 실행 단계로 진행될 수 있습니다.","bsharedA.earliestFundingDate":"가장 빠른 대출 실행일","bsharedA.howToCancel":"취소 방법","bsharedA.cancelStep1Pre":"서명하고 날짜를 기입하세요:","bsharedA.noticeOfRightToCancel":"Notice of Right to Cancel","bsharedA.cancelStep1Post":"양식(클로징 서류에 포함됨)을 작성하여 위 마감일 자정 이전에 우편, 팩스, 전보 또는 기타 서면 수단으로 대출 기관에 다시 전달하세요.","bsharedA.cancelStep2":"취소하시면 대출 기관은 귀하가 제공한 모든 금전 또는 재산을 반환하고 모든 담보권을 20일 이내에 해제해야 합니다. 취소 수수료는 부과되지 않습니다.","bsharedA.cancelDisclaimer":"이 요약은 일반 정보 제공용입니다. 정확한 절차 요건은 인쇄된 Notice of Right to Cancel 양식을 참고하세요.","bsharedA.resourceIncomeTitle":"소득 산정 방식","bsharedA.resourceIncomeBlurb":"각 출처의 계산 과정을 포함한 자격 소득의 항목별 분석입니다.","bsharedA.resourceDocsTitle":"아직 제출해야 할 문서","bsharedA.resourceDocsBlurb":"대기 기간 정보와 함께 미완료 문서 요청을 한 화면에 정리한 목록입니다.","bsharedA.resourceDisclosuresTitle":"Loan Estimate 및 Closing Disclosure","bsharedA.resourceDisclosuresBlurb":"대출에 대해 연방법으로 요구되는 공시 서류를 ë³´ê³ , 다운로드하고, 확인하세요.","bsharedA.resourcesForYou":"이용 가능한 자료","bsharedA.resourcesSubtitle":"가장 많은 질문이 나오는 대출 부분에 대한 상세 보기입니다.","bsharedA.sendFailed":"전송 실패","bsharedA.loadingYourMessages":"메시지를 불러오는 중…","bsharedA.messageYourBroker":"브로커에게 메시지 보내기","bsharedA.noMessagesYet":"아ì

1§ 메시지가 없습니다","bsharedA.sendQuestionBrokerPinged":"질문을 보내면 브로커에게 알림이 전달됩니다.","bsharedA.typeAMessage":"메시지를 입력하세요…","bsharedA.sendMessage":"메시지 보내기","bsharedA.welcomeNamed":"환영합니다, {name}님","bsharedA.getStarted":"시작하기","bsharedA.welcomeModalBody":"아직 등록된 활성 대출 신청서가 없습니다. 지금 전체 1003 모기지 신청서를 시작하거나, 대시보드로 건너뛰고 나중에 시작하실 수 있습니다.","bsharedA.recommended":"권장","bsharedA.start1003Application":"1003 신청 시작","bsharedA.beginMortgageForm":"모기지 양식 시작","bsharedA.skipForNow":"지금은 건너뛰기","bsharedA.enterBorrowerDashboard":"대출자 대시보드로 이동","bsharedA.lookAroundFirst":"먼저 둘러보세요. 나중에 대시보드에서 신청을 시작하실 수 있습니다.","bsharedA.cashToCloseSummary":"클로징 비용 요약","bsharedA.wireNullStateLine1":"브로커가 클로징 1~2일 전에 정확한 클로징 비용 금액을 확인해 드립니다.","bsharedA.wireNullStateLine2":"Closing Disclosure에 표시된 수치는 현재의 추정치입니다.","bsharedA.wireDownPayment":"계약금","bsharedA.wireClosingCosts":"클로징 비용","bsharedA.wirePrepaidItems":"선납 항목","bsharedA.wireEscrowDeposit":"에스크로 예치금","bsharedA.wireTotal":"합계","bsharedA.cashToCloseAria":"클로징 비용 {amount}","bsharedA.wireDispatchedLine1":"브로커가 권원 회사에 송금 안내를 전송했습니다.","bsharedA.wireDispatchedLine2":"정확한 클로징 비용은 Closing Disclosure에 표시되어 있습니다. 자금을 송금하기 전에 브로커에게 금액을 확인하세요.","bsharedA.fundsTo":"자금 수취처:","bsharedA.howToPay":"결제 방법:","bsharedA.cashiersCheckOrWire":"은행 발행 수표 또는 전신 송금","bsharedA.sentByBroker":"브로커가 보냄:","bsharedA.wireFraudWarning":"전신 송금 사기 경고","bsharedA.wireFraudPre":"사기꾼은 이메일을 가로채 가짜 송금 지시를 보냅니다.","bsharedA.wireFraudBold":"항상 직접 독립적으로 찾은 전화번호로 권원 회사(title company)에 전화하세요","bsharedA.wireFraudPost":"— 이메일에서 가져온 번호는 절대 사용하지 마세요. 송금이 완료되면 거의 회수가 불가능합니다.","bsharedA.wireFraudNeverAsk":"Unified Loan System는 이메일로 새 계좌에 자금을 송금하도록 절대 요청하지 않습니다.","bsharedA.countdownOnSchedule":"일정대로 진행 중","bsharedA.countdownClosingSoon":"마감 임박 — 남은 사항들을 마무리합시다","bsharedA.countdownClosingThisWeek":"이번 주 마감","bsharedA.congratsOnClosing":"마감을 축하합니다","bsharedA.daySinceClosing":"마감 후 경과일","bsharedA.daysSinceClosing":"마감 후 경과일수","bsharedA.todayIsTheDay":"오늘이 바로 그날입니다","bsharedA.dayUntilYourKeys":"열쇠를 받기까지 남은 일수","bsharedA.daysUntilYourKeys":"열쇠를 받기까지 남은 일수","bsharedA.closingCountdown":"마감 카운트다운","bsharedA.confirmedClosingDate":"확정된 마감일","bsharedA.allConditionsCleared":"모든 조건이 해결되었습니다","bsharedA.itemStillOpenOne":"{count}개 항목이 아직 미해결입니다","bsharedA.itemStillOpenMany":"{count}개 항목이 아직 미해결입니다","bsharedA.brokerReachOutBeforeClose":"마감 전에 브로커가 연락드릴 것입니다.","bsharedA.youreSetSitBack":"준비가 완료되었습니다 — 편히 계시면 나머지는 저희가 처리하겠습니다.","bsharedA.loadingClosingSchedule":"마감 일정을 불러오는 중…","bsharedA.failedToSubmitProposal":"제안 제출에 실패했습니다","bsharedA.failedToAcceptCounter":"역제안 수락에 실패했습니다","bsharedA.failedToRejectCounter":"역제안 거절에 실패했습니다","bsharedA.failedToRepropose":"재제안에 실패했습니다","bsharedA.pickNewClosingDate":"새 마감일 선택","bsharedA.pickClosingDate":"마감일 선택","bsharedA.previousDatePassedOn":"이전 날짜는 브로커에 의해 거절되었습니다.","bsharedA.reasonLabel":"사유:","bsharedA.pickWeekdayHint":"오늘로부터 최소 7일 이후의 평일을 선택하세요. 대부분의 대출은 30~45일 내에 마감됩니다 — 브로커가 현실적인 상황에 따라 다른 날짜를 역제안할 수 있습니다.","bsharedA.proposedClosingDate":"제안된 마감일","bsharedA.notesForBrokerOptional":"브로커를 위한 메모 (선택 사항)","bsharedA.closingNotesPlaceholder":"선택 사항 — 브로커가 알아야 할 사항이 있나요? (학년도, 임대 만료 등)","bsharedA.sendToBroker":"브로커에게 보내기","bsharedA.awaitingBrokerReview":"브로커 검토 대기 중","bsharedA.proposedTimeAgo":"{time}에 제안됨. 브로커가 확정하거나 다른 날짜를 제안할 것입니다.","bsharedA.brokerSuggestedDifferentDate":"브로커가 다른 날짜를 제안했습니다","bsharedA.youProposed":"귀하가 제안함","bsharedA.brokerSuggests":"브로커 제안","b

1sharedA.acceptDate":"날짜 수락","bsharedA.pickAnother":"다른 날짜 선택","bsharedA.walkAway":"거절하기","bsharedA.yourProposedClosingDate":"귀하가 제안한 마감일","bsharedA.reproposeNotesPlaceholder":"선택 사항 — 이 새 날짜에 대해 브로커가 알아야 할 사항이 있나요?","bsharedA.sendNewDate":"새 날짜 보내기","bsharedA.reasonForDeclining":"이 날짜를 거절하는 사유 (선택 사항)","bsharedA.rejectReasonPlaceholder":"선택 사항 — 이 날짜를 거절하는 이유는 무엇인가요?","bsharedA.walkAwayFromDate":"이 날짜 거절하기","bsharedA.closingScheduled":"마감 일정 확정됨","bsharedA.confirmedTimeAgo":"{time}에 확정됨","bsharedA.closingScheduledBody":"브로커가 지금 TRID 및 마감 공시(closing disclosure) 일정을 확정하고 있습니다. 마감 패키지 전자서명 요청이 받은편지함에 도착하면 알려드리겠습니다.","bsharedA.goToClosingRoom":"마감 룸으로 이동","bsharedA.justNow":"방금","bsharedA.closingDayWalkthrough":"마감일 안내","bsharedA.statusNow":"지금","bsharedA.openInMaps":"Maps에서 열기","bsharedA.closingDayPrep":"마감일 준비","bsharedA.whatYoullNeedOn":"{date}에 필요한 것","bsharedA.bringOrHaveReady":"지참하거나 준비할 것","bsharedA.prepIdTitle":"정부 발행 사진 부착 신분증","b

1sharedA.prepIdDetail":"운전면허증 또는 여권. 유효 기간 내여야 합니다. 공동 대출자는 각자 본인의 신분증을 지참하세요.","bsharedA.prepCheckTitle":"은행 발행 수표 또는 송금 확인서","bsharedA.prepCheckDetail":"대출 담당자가 1~2일 전에 정확한 마감 시 필요 현금(cash-to-close) 금액을 알려드립니다. 개인 수표로 송금하지 마세요 — 권원 회사는 보통 공인된 자금을 요구합니다.","bsharedA.prepInsuranceTitle":"주택 소유자 보험 증서","bsharedA.prepInsuranceDetail":"첫 해 보험료는 마감 시 지불됩니다. 아직 보험에 가입하지 않으셨다면 이번 주에 가입하세요.","bsharedA.prepCoborrowerTitle":"공동 대출자 / 배우자 참석 가능 여부","bsharedA.prepCoborrowerDetail":"대출에 포함된 모든 사람은 (직접 또는 원격 온라인 공증을 통해) 참석해야 합니다.","bsharedA.wireFraudIsReal":"전신 송금 사기는 실제로 발생합니다 — 송금 지시를 직접 대면으로 확인하세요","bsharedA.wireFraudPrepPre":"사기꾼은 권원 회사와 똑같아 보이는 이메일을 보내 자신들의 계좌로 자금을 송금하도록 요청합니다.","bsharedA.wireFraudPrepPost":"(어떤 이메일에서도 가져오지 말 것) 송금 전에 송금 지시를 구두로 확인하세요. 송금이 완료되면 거의 회수가 불가능합니다.","bsharedA.coborrowerAdded":"공동 대출자가 추가되었습니다","bsharedA.joinedAsYour":"귀하의 {relationship}(으)로 합류했습니다","bsharedA.coborrowerWord":"공동 대출자","bsharedA.relSpouse":"배우자","bsharedA.relDomesticPartner":"동거 파트너","bsharedA.relParent":"부모","bsharedA.relSibling":"형제자매","bsharedA.relOther":"기타","bsharedA.statusPending":"대기 중","bsharedA.statusAccepted":"수락됨","bsharedA.statusExpired":"만료됨","bsharedA.statusRevoked":"철회됨","bsharedA.failedToSendInvitation":"ì´

1ˆëŒ€ìž¥ 전송에 실패했습니다","bsharedA.inviteSentTo":"{email}(으)로 초대장을 보냈습니다 — 수락 기한은 7일입니다.","bsharedA.revokeConfirm":"이 초대를 철회하시겠습니까? 수신자는 더 이상 링크를 사용할 수 없습니다.","bsharedA.revokeFailed":"철회에 실패했습니다","bsharedA.resendFailed":"재전송에 실패했습니다","bsharedA.invitationResent":"초대장을 다시 보냈습니다. 기존 링크는 계속 작동하며, 만료일만 연장되었습니다.","bsharedA.namedSectionProgress":"{name}님의 섹션 진행 상황","bsharedA.theirSectionProgress":"해당 사용자의 섹션 진행 상황","bsharedA.hasntOpenedYet":"\xb7 아직 열어보지 않았습니다","bsharedA.theyCanFinishAt":"언제든지 다음에서 완료할 수 있습니다","bsharedA.addACoborrower":"공동 대출자 추가","bsharedA.coborrowerBoostIncome":"배우자나 파트너를 추가하면 적격 소득이 늘어나 더 많은 금액을 감당하는 데 도움이 될 수 있습니다.","bsharedA.invite":"초대","bsharedA.expiresOn":"{date}에 만료","bsharedA.resendInvitationAria":"초대장 재전송 — 동일한 링크, 새로운 7일 만료 기한","bsharedA.revokeInvitationAria":"초대장 철회 — 링크가 즉시 작동을 멈춥니다","bsharedA.firstName":"이름","bsharedA.firstNamePlaceholder":"Jane","bsharedA.lastName":"성","bsharedA.lastNamePlaceholder":"Doe","bsharedA.emailLabel":"이메일","bsharedA.coborrowerEmailPlaceholder":"[email protected]","bsharedA.relationship":"관계","bsharedA.sendInvite":"초대장 보내기","bsharedA.emptyClickPre":"클릭하세요","bsharedA.emptyClickPost":"이메일을 보내려면 — 공동 대출자는 본인 계정을 만들어 신청서의 해당 섹션을 작성합니다. 귀하의 비밀번호나 민감한 정보는 절대 ë³¼ 수 없습니다.","bsharedA.priorInvitations":"이전 초대장","bsharedA.yourProgress":"귀하의 진행 상황","bsharedA.countOfTotal":"{total}개 중 {count}개","bsharedA.pctComplete":"{pct}% 완료","bsharedA.nextUp":"다음 단계","bsharedA.dueDate":"{date} 마감","bsharedA.startThis":"시작하기 →","bsharedA.allConditionsComplete":"모든 조건이 완료되었습니다!","bsharedA.loanOfficerWhatsNext":"대출 담당자가 다음 단계를 안내해 드립니다.","bsharedA.disclosuresAndConsent":"공시 및 동의","bsharedA.reviewAndAcceptDisclosures":"신청을 진행하려면 다음 공시 사항을 검토하고 동의해 주십시오.","bsharedA.consentESignTitle":"전자 서명 동의","bsharedA.consentESignDesc":"저는 공시 및 통신을 전자적으로 수신하는 데 동의하며 문서를 전자 서명하는 데 동의합니다. 이 동의는 언제든지 철회할 수 있음을 이해합니다.","bsharedA.consentCreditAuthTitle":"신용 조회 승인","bsharedA.consentCreditAuthDesc":'저는 모기지 대출 자격을 평가하기 위해 대출 기관이 소비자 신용 보고서를 입수하는 것을 승인합니다. 이는 처음에는 신용 점수에 영향을 주지 않는 "소프트 조회"일 수 있습니다.',"bsharedA.consentTermsTitle":"서비스 약관","bsharedA.consentTermsDesc":"제공된 정보가 진실하고 정확함을 확인합니다. 저는 서비스 약관 및 개인정보 보호정책에 동의합니다.","bsharedA.tcpaAuthTitle":"보안 및 인증 메시지","bsharedA.tcpaLoanStatusTitle":"대출 상태 및 운영 업데이트","bsharedA.tcpaDocSigningTitle":"문서, 클로징 및 전자 서명 알림","bsharedA.requiredBadge":"필수","bsharedA.acceptedCheck":"수락됨 ✓","bsharedA.optionalSmsNotifications":"선택적 SMS 알림","bsharedA.smsConsentNotRequired":"문자 메시지 수신 동의는 필수가 아닙니다. 아래 카테고리를 원하는 대로 조합하여 선택할 수 있습니다.","bsharedA.requiredAgreementsAccepted":"필수 동의 {total}개 중 {accepted}개 수락됨","bsharedA.yourLoanOfficerName":"담당 대출 담당자","bsharedA.messageNotSent":"메시지가 전송되지 않음","bsharedA.somethingWentWrong":"문제가 발생했습니다. 다시 시도해 주십시오.","bsharedA.phoneNumber":"전화번호","bsharedA.phone":"전화","bsharedA.loanOfficerRole":"대출 담당자","bsharedA.sendMessageBelowGetBack":"아래에 메시지를 보내시면 대출 담당자가 답변해 드립니다.","bsharedA.sendAMessage":"메시지 보내기","bsharedA.askQuestionRequestCall":"질문하거나 회신 전화를 요청하세요.","bsharedA.topic":"주제","bsharedA.topicGeneralInquiry":"일반 문의","bsharedA.topicRateQuote":"금리 견적","bsharedA.topicPreApprovalStatus":"사전 승인 상태","bsharedA.topicDocumentQuestion":"문ì

1„œ 관련 질문","bsharedA.topicScheduleCall":"통화 예약","bsharedA.messageLabel":"메시지","bsharedA.contactPlaceholder":"안녕하세요 {name}, ...에 대해 질문이 있습니다 (또는 마이크를 눌러 받아쓰기)","bsharedA.sendMessageTitle":"메시지 보내기","bsharedA.messageSentExclaim":"메시지가 전송되었습니다!","bsharedA.thanksForReachingOut":"연락해 주셔서 감사합니다. {name}님이 여기서 후속 조치를 해 드립니다.","bsharedA.close":"닫기","bsharedA.dataDiscrepancyDetected":"데이터 불일치 감지됨","bsharedA.aiFoundMismatch":"AI가 귀하의 신청서와 업로드된 문서 간의 불일치를 발견했습니다.","bsharedA.inApplication":"신청서 내","bsharedA.emptyValue":"(비어 있음)","bsharedA.inDocument":"문서 내","bsharedA.keepMyValue":"내 값 유지","bsharedA.reviewAndFix":"검토 및 수정","bsharedA.moreDiscrepancyOne":"불일치 {count}개 추가 발견됨","bsharedA.moreDiscrepancyMany":"불일치 {count}개 추가 발견됨","bsharedA.docNeedsSecondLookOne":"{count}개 문서를 다시 확인해야 합니다","bsharedA.docNeedsSecondLookMany":"{count}개 문서를 다시 확인해야 합니다","bsharedA.openReviewPage":"검토 페이지를 열어 확인하거나 수정하세요.","bsharedA.allCaughtUp":"모두 완료됨","bsharedA.nothingNeedsSignature":"지금은 서명이나 검토가 필요한 항목이 없습니다. 새로운 항목이 도착하면 대출 담당자가 알려 드립니다.","bsharedA.actionRequired":"조치 필요","bsharedA.pendingReview":"검토 대기 중","bsharedA.documentsNeedAttention":"주의가 필요한 문서","bsharedA.itemWaitingOne":"{count}개 항목이 검토 또는 서명을 기다리고 있습니다.","bsharedA.itemWaitingMany":"{count}개 항목이 검토 또는 서명을 기다리고 있습니다.","bsharedA.newBadge":"신규","bsharedA.complete":"완료","bsharedA.review":"검토","bsharedA.needsYourAttention":"주의가 필요합니다","bsharedA.nMissing":"{count}개 누락","bsharedA.nMore":"+{count}개 더","bsharedA.viewAllDocuments":"전체 {count}개 문서 보기","bsharedA.hintFromPriorLoan":"이전 대출에서","bsharedA.hintFromDocument":"문서에서","bsharedA.hintHeadsUp":"참고하세요","bsharedA.applied":"적용됨","bsharedA.useThis":"이것 사용","bsharedA.dismissHint":"힌트 닫기","bsharedA.boxCounter":"박스 {current}/{total}","bsharedA.closeGuidance":"안내 닫기","bsharedA.optionalBadge":"선택 사항","bsharedA.filled":"입력됨","bsharedA.askVeraAboutThis":"이것에 대해 Breeze에게 문의하기","bsharedA.backArrow":"← 뒤로","bsharedA.doneWithGuidance":"안내 완료","bsharedA.finish":"완료","bsharedA.leftTheGuideContinue":"안내를 벗어나신 것 같습니다 — 계속하시겠습니까?","bsharedA.dismissGuideResume":"안내 재개 안내문 닫기","bsharedA.fundingDocsSigned":"문서 서명 완료","bsharedA.fundingWireSent":"송금 완료","bsharedA.fundingLoanFunded":"대출 자금 지급 완료","bsharedA.fundingStatusAria":"자금 지급 상태: {status}","bsharedA.fundingStatus":"자금 지급 상태","bsharedA.checkingForUpdates":"업데이트 확인 중…","bsharedA.glossarySearchPlaceholder":"용어 검색 (예: APR, 에스크로, 사전 승인)…","bsharedA.noTermsMatched":"“{query}”와(ê³¼) 일치하는 용어가 없습니다.","bsharedA.aka":"다른 이름: {list}","bsharedA.seeAlso":"참고: {list}","bsharedA.guidedMode":"가이드 모드","bsharedA.stepNumber":"{number}단계","bsharedA.expandGuidance":"안내 펼치기","bsharedA.collapseGuidance":"안내 접기","bsharedA.turnOffGuidance":"안내 끄기","bsharedA.whatToKnow":"알아둘 사항","bsharedA.basedOnWhatYouEntered":"입력하신 내용을 기반으로","bsharedA.skipThisSection":"지금은 이 섹션 건너뛰기","bsharedA.turnOnGuidance":"안내 켜기","bsharedA.pullingInsuranceQuotes":"보험 견적을 가져오는 중…","bsharedA.quotesForYourAddress":"귀하의 주소에 대한 견적 {count}ê±´","bsharedA.insuranceRequiredAtClosing":"클로징 시 필수입니다. 예산을 세울 수 있도록 귀하의 부동산에 대한 보장 비용의 대략적인 추정치를 여기에 안내합니다 — 클로징 전에 보험사를 통해 보험을 선택하고 가입하게 됩니다 (대출 담당자가 도와드릴 수 있습니다).","bsharedA.coverageLine":"주택 {dwelling} \xb7 가재도구 {contents} \xb7 배상책임 {liability} \xb7 공제액 {deductible}","bsharedA.perYearEst":"/ 연간 추정","bsharedA.quotesIllustrative":"보험사 연동이 완료될 때까지 견적은 참고용입니다. 실제 가입은 귀하가 선택한 보험사가 처리합니다.","bsharedA.ratingAria":"평점: 5점 중 {rating}점","bsharedA.viewYourLoanEstimate":"대출 견적서 보기","bsharedA.skipToYour":"{label}(으)로 건너뛰기","bsharedA.openAction":"{label} 열기","bsharedA.newActionRequired":"신규 \xb7 조치 필요","bsharedA.pendingShort":"대기 중","bsharedA.dismiss":"닫기","bsharedA.healthExcellent":"우수","bsharedA.healthExcellentSub":"순조롭게 진행 중입니다 — 남은 할 일이 거의 ì—

1†ìŠµë‹ˆë‹¤.","bsharedA.healthOnTrack":"순조롭게 진행 중","bsharedA.healthOnTrackSub":"작은 항목 몇 가지가 남았지만 중요한 부분은 끝났습니다.","bsharedA.healthNeedsAttention":"주의 필요","bsharedA.healthNeedsAttentionSub":"몇 가지 항목을 더 처리하면 빠르게 진전할 수 있습니다.","bsharedA.healthActionRequired":"조치 필요","bsharedA.healthActionRequiredSub":"대출이 계속 진행되도록 미해결 항목을 처리합시다.","bsharedA.loanHealthScoreAria":"대출 건전성 점수: 100점 만점에 {score}점, {band}","bsharedA.loanHealth":"대출 건전성","bsharedA.quickestWins":"점수를 높이는 가장 빠른 방법","bsharedA.hideScoreBreakdown":"점수 세부 내역 숨기기","bsharedA.howIsScoreCalculated":"이 점수는 어떻게 계산되나요?","bsharedA.yourLoanOfficer":"담당 대출 담당자","bsharedA.nmlsId":"NMLS {id}","bsharedA.actionEmail":"이메일","bsharedA.actionCall":"전화","bsharedA.actionMessage":"메시지","bsharedA.loanOfficerHereToHelp":"담당 대출 담당자가 도와드립니다. 업무 시간 중 언제든지 전화하세요.","bsharedA.veraHelpWriteThis":"Breeze, 이것을 작성하도록 도와주세요","bsharedA.draftingFailed":"초안 작성 실패","bsharedA.letterOfExplanation":"설명서 (Letter of Explanation)","bsharedA.forCondition":"대상: {title}","bsharedA.whatUnderwritingNeeds":"심사부서가 설명을 요구하는 사항","bsharedA.anythingInYourWords":"직접 자신의 말로 하고 싶은 내용이 있나요?","bsharedA.optional":"(선택 사항)","bsharedA.loeContextPlaceholder":"예: 연체는 3월 입원으로 인한 것이며 현재는 완전히 회복했습니다. ê·¸ 전후로 한 번도 납부를 놓친 적이 없습니다.","bsharedA.helpsVeraWrite":"Breeze가 편지를 정확하게 작성하도록 돕습니다. 더 많은 정보를 제공할수록 초안이 좋아집니다.","bsharedA.veraDraftedTone":"Breeze가 {tone} 어조로 작성했습니다.","bsharedA.editAnything":"당신답지 않게 들리는 부분은 무엇이든 수정하세요.","bsharedA.loeTipReplace":'팁: 보내기 전에 모든 "[fill in: …]" 자리표시자를 실제 정보로 바꾸세요.',"bsharedA.copied":"복사됨!","bsharedA.copyLetter":"편지 복사","bsharedA.drafting":"작성 중…","bsharedA.reDraft":"다시 작성","bsharedA.draftMyLetter":"내 편지 작성","bsharedA.stageApplication":"신청","bsharedA.stagePriced":"가격 책정됨","bsharedA.stageLeIssued":"LE 발급됨","bsharedA.stageAus":"AUS","bsharedA.stageSubmitted":"제출됨","bsharedA.stageCdIssued":"CD 발급됨","bsharedA.stageSigned":"서명됨","bsharedA.stageFunded":"자금 지원됨","bsharedA.vsNotStarted":"시작 안 함","bsharedA.vsInProgress":"진행 중","bsharedA.vsAwaitingResponse":"응답 대기 중","bsharedA.vsComplete":"완료","bsharedA.vsNeedsAttention":"주의 필요","bsharedA.ownerYou":"본인","bsharedA.ownerBroker":"브로커","bsharedA.ownerLender":"대출 기관","bsharedA.ownerVendor":"공급업체","bsharedA.ownerOnTrack":"정상 진행 중","bsharedA.pillFunded":"자금 지원됨","bsharedA.pillOnTrack":"정상 진행 중","bsharedA.pillInProgress":"진행 중","bsharedA.yourLoanStatus":"대출 상태","bsharedA.stageLabel":"단계: {stage}","bsharedA.dayOfPrefix":"일차","bsharedA.dayOfSuffix":"/ 약 {total}일 중","bsharedA.daysToClose":"마감까지 남은 일수","bsharedA.refreshStatus":"상태 새로고침","bsharedA.onTrackNothingToDo":"정상적으로 진행 중입니다 — 지금 하실 일은 없습니다","bsharedA.currentlyWaitingOn":"현재 {owner}을(를) 기다리는 중","bsharedA.takeAction":"조치하기","bsharedA.tapAnyStepBelow":"아래 단계를 탭하세요","bsharedA.getInsightsTailored":"대출에 맞춘 인사이트를 받아보세요","bsharedA.recommendedDot":"\xb7 추천","bsharedA.expectedTodayTitle":"평균 대출 일정 기준으로 오늘 도달했어야 할 위치","bsharedA.expected":"예상","bsharedA.yourCurrentStage":"대출의 현재 단계","bsharedA.youAreHere":"현재 위치","bsharedA.whatHappensAtStage":"{stage} 단계에서는 무슨 일이 일어나나요?","bsharedA.signedPill":"서명됨","bsharedA.legend":"범례","bsharedA.legendActualStage":"— 실제 단계","bsharedA.legendTypicalPace":"— 일반적인 속도","b

1sharedA.daysBehind":"\xb7 {days}일 지연","bsharedA.daysAhead":"\xb7 {days}일 앞섬","bsharedA.rightOnSchedule":"\xb7 일정에 정확히 맞음","bsharedA.loanFundedCongrats":"대출 자금 지원 완료 \xb7 축하합니다!","bsharedA.fileClosedWelcomeHome":"귀하의 파일이 마감되어 자금이 지원되었습니다 — 새 집에 오신 것을 환영합니다.","bsharedA.openRequests":"미해결 요청","bsharedA.needsAttention":"주의 필요","bsharedA.itemToAddress":"처리할 항목","bsharedA.itemsToAddress":"처리할 항목","bsharedA.laneFlagged":"표시된 레인","bsharedA.lanesFlagged":"표시된 레인","bsharedA.allClear":"모두 정상","bsharedA.inProgressTile":"진행 중","bsharedA.laneActive":"활성 레인","bsharedA.lanesActive":"활성 레인","bsharedA.completeTile":"완료","bsharedA.laneCleared":"처리된 레인","bsharedA.lanesCleared":"처리된 레인","bsharedA.hideLoanLaneDetails":"대출 레인 세부 정보 숨기기","bsharedA.showLoanLaneDetails":"전체 대출 레인 세부 정보 표시","bsharedA.hideDetails":"세부 정보 숨기기","bsharedA.seeFullDetailsLanes":"전체 세부 정보 보기 ({lanes}개 레인","bsharedA.plusRequestOne":" + {count}ê±´ 요청","bsharedA.plusRequestMany":" + {count}ê±´ 요청","bsharedA.closeParen":")","bsharedA.whatsHappeningLaneByLane":"레인별 진행 상황","bsharedA.etaPrefix":"예상 {eta}","bsharedA.openRequestsCount":"미해결 요청 ({count})","bsharedA.openDays":"{days}일 동안 미해결","bsharedA.daysOverdue":"{days}일 연체","bsharedA.dueInDays":"{days}일 후 마감","bsharedA.closeStageDetails":"단계 세부 정보 닫기","bsharedA.loadingStageDetails":"단계 세부 정보를 불러오고 대출에 맞게 맞춤화하는 중…","bsharedA.upcoming":"예정","bsharedA.stageWord":"단계","bsharedA.whatHappensAtThisStage":"이 단계에서 일어나는 일","bsharedA.verasTakeOnYourLoan":"이 단계에서 귀하의 대출에 대한 Breeze의 견해","bsharedA.whatYouNeededToBring":"준비하셔야 했던 것","bsharedA.whatToPrepare":"준비할 사항","bsharedA.commonGotchas":"알아두어야 할 흔한 함정","bsharedA.openTileDetails":"{label} 세부 정보 열기","bsharedB.pickDateTimeFirst":"먼저 날짜와 시간을 선택하세요","bsharedB.scheduleFailed":"예약 실패","bsharedB.cancelNotaryConfirm":"이 공증 예약을 취소하시겠어요?","bsharedB.cancelFailed":"취소 실패","bsharedB.loadingNotary":"공증 불러오는 중…","bsharedB.notarySigning":"공증 서명","bsharedB.scheduleYourAppointment":"예약 잡기","bsharedB.notaryPickIntro":"서명 방법을 선택하세요 — 원격 온라인 공증(RON)은 영상 통화로 어디서나 서명할 수 있고, 가까운 곳의 대면 공증을 예약할 수도 있습니다.","bsharedB.scheduleNotary":"공증 예약","bsharedB.remoteRon":"원격 (RON)","bsharedB.ronSub":"집에서 영상 통화로 서명","bsharedB.inPerson":"대면","bsharedB.inPersonSub":"이동 공증인이 직접 방문","bsharedB.notaryNotesPlaceholder":"공증인이 알아야 할 사항이 있나요? (주차, 접근성 등)","bsharedB.schedule":"예약","bsharedB.statusConfirmed":"확정됨","bsharedB.statusScheduled":"예약됨","bsharedB.minuteSession":"{minutes}분 세션","bsharedB.notaryLabel":"공증인:","bsharedB.openSigningLink":"서명 링크 열기","bsharedB.mobileNotaryArrival":"이동 공증인이 예약 시간 약 5분 전에 귀하의 주소로 도착합니다. 정부 발급 사진 신분증과 마감 시 필요한 현금(cash-to-close) 관련 문서를 지참하세요.","bsharedB.testEnvironment":"테스트 환경","bsharedB.offlineChangesSaved":"오프라인 — 변경 사항이 로컬에 저장됨","bsharedB.syncing":"동기화 중…","bsharedB.synced":"동기화됨","bsharedB.checkingActionItems":"처리할 항목을 확인하는 중…","bsharedB.brokerHasEverything":"현재 브로커가 귀하에게 필요한 모든 것을 갖추고 있습니다.","bsharedB.actionItemWaiting":"처리 대기 중인 항목","bsharedB.actionItemsWaiting":"처리 대기 중인 항목","bsharedB.tapToSeeList":"전체 목록을 보려면 탭하세요 — 대부분 몇 분이면 됩니다.","bsharedB.bankLinkedPulling":"은행 연결 완료 — 계좌를 불러오는 중입니다.","bsharedB.bankLinkFailed":"은행 연결을 완료하지 못했습니다. 다시 시도하거나 수동 업로드를 이용하세요.","bsharedB.bankConnectionFailed":"은행 연결에 실패했습니다. 다시 시도하거나 명세서를 수동으로 업로드하세요.","bsharedB.bankSessionEnded":"은행 ì

1„¸ì…˜ì´ 예기치 않게 종료되었습니다. 다시 시도하거나 명세서를 업로드하세요.","bsharedB.signInAgainConnect":"은행을 연결하려면 다시 로그인하세요.","bsharedB.bankLinkingUnavailable":"은행 연결을 잠시 이용할 수 없습니다. 잠시 후 다시 시도하거나 명세서를 수동으로 업로드하세요.","bsharedB.bankLinkTooMany":"시도 횟수가 너무 많습니다. 몇 분 후에 다시 시도해 주세요.","bsharedB.bankLinkStartError":"은행 연결을 시작할 수 없습니다 (오류 {status}). 다시 시도하거나 명세서를 업로드하세요.","bsharedB.encryptingConnection":"연결 암호화 중…","bsharedB.verifyingIdentity":"신원 확인 중…","bsharedB.connectBankAuto":"은행 계좌 자동 연결","bsharedB.disconnecting":"연결 해제 중…","bsharedB.disconnectBank":"은행 연결 해제","bsharedB.yourBank":"귀하의 은행","bsharedB.close":"닫기","bsharedB.headsUp":"참고하세요","bsharedB.disconnectName":"{name} 연결을 해제하시겠어요?","bsharedB.disconnectDeleteData":"Plaid에서 가져온 은행 명세서, 신원 데이터, 자산 보고서를 삭제합니다.","bsharedB.disconnectReconnectAnytime":"언제든지 다시 연결할 수 있습니다 — 대출 진행 상황은 그대로 유지됩니다.","bsharedB.disconnectAutoFillsManual":"연결을 해제해도 신청서는 취소되지 않지만, 은행으로 자동 입력된 항목은 다시 연결할 때까지 수동으로 입력해야 합니다.","bsharedB.keepConnected":"연결 유지","bsharedB.yesDisconnect":"예, 연결 해제","bsharedB.fromYourBank":"귀하의 은행에서","bsharedB.accountFound":"{count}개 계좌 발견","bsharedB.accountsFound":"{count}개 계좌 발견","bsharedB.accountFallback":"계좌","bsharedB.importHasManual":"어떻게 사용하시겠어요? 직접 입력한 계좌는 교체를 선택하지 않는 한 유지됩니다.","bsharedB.importNoManual":"신청서에 추가하거나 직접 계속 입력하세요.","bsharedB.addToMyList":"내 목록에 추가","bsharedB.replaceMyEntries":"내 항목을 이것으로 교체","bsharedB.keepWhatIEntered":"입력한 내용 유지","bsharedB.noThanksEnter":"괜찮습니다, 직접 입력할게요","bsharedB.bankReconnected":"은행이 다시 연결되었습니다 — 대출 데이터가 다시 최신 상태입니다.","bsharedB.bankReconnectFlagFailed":"은행 재연결은 저장되었지만 상태 플래그가 해제되지 않았습니다 — 페이지를 새로고침하여 확인하세요.","bsharedB.bankReconnectMarkFailed":"은행을 재연결됨으로 표시하지 못했습니다. 다시 시도하거나 고객 지원에 문의하세요.","bsharedB.bankReconnectSessionEnded":"은행 재연결 세션이 종료되었습니다. 다시 시도하세요 — 기존 데이터는 변경되지 않습니다.","bsharedB.signInAgainReconnect":"은행을 다시 연결하려면 다시 로그인하세요.","bsharedB.reconnectStartError":"재연결 절차를 시작할 수 없습니다 (오류 {status}). 잠시 후 다시 시도하세요.","bsharedB.bankConnectionNeedsAttention":"은행 연결에 조치가 필요합니다","bsharedB.bankRequiresReLogin":"대출 데이터를 최신 상태로 유지하려면 은행에서 빠른 재로그인이 필요합니다.","bsharedB.opening":"여는 중…","bsharedB.reconnectBank":"은행 다시 연결","bsharedB.yourDataYourFile":"당신의 데이터, 당신의 파일","bsharedB.downloadYourData":"데이터 다운로드","bsharedB.portabilityBody":"업계 표준인 MISMO 3.4 형식의 1003 양식입니다. 파일을 다른 곳으로 옮기기로 결정하시면 Encompass / Calyx / LendingPad에 바로 불러올 수 있습니다. 절대 묶어 두지 않습니다.","bsharedB.downloadMismoXml":"MISMO 3.4 XML 다운로드","bsharedB.yourLoanIsFunded":"대출 자금이 지급되었습니다.","bsharedB.congratulations":"축하합니다!","bsharedB.fundedOn":"{date}에 자금 지급됨","bsharedB.loanNumber":"대출 {number}","bsharedB.setUpAutoPay":"자동 상환 설정","bsharedB.autoPayDesc":"대출 서비스 기관을 통해 매월 자동 상환을 설정하여 상환을 놓치지 않도록 하세요.","bsharedB.goToServicerPortal":"서비스 기관 포털로 이동","bsharedB.comingSoon":"곧 제공 예정","bsharedB.downloadDocs":"문ì

1„œ 다운로드","bsharedB.downloadDocsDesc":"서명된 마감 서류 패키지, 최종 클로징 명세서(Closing Disclosure), 취소 권리 통지서(Notice of Right to Cancel)를 다운로드하세요.","bsharedB.downloadZip":"ZIP 다운로드","bsharedB.leaveAReview":"리뷰 남기기","bsharedB.reviewDesc":"경험은 어떠셨나요? 간단한 평점이 브로커와 앞으로의 대출자에게 도움이 됩니다.","bsharedB.rateExperience":"경험 평가하기","bsharedB.questionsAskVera":"새 모기지에 대해 궁금한 점이 있으신가요? 아래에서 Breeze에게 물어보세요 ↓","bsharedB.exportMyData":"내 데이터 내보내기","bsharedB.exportMyDataDesc":"귀하의 계정에 연결된 모든 행의 기계 판독 가능한 사본을 준비하여 이메일로 보내드립니다.","bsharedB.requestFiled":"요청 접수됨","bsharedB.requestExport":"내보내기 요청","bsharedB.deleteMyAccount":"내 계정 삭제","bsharedB.deleteMyAccountDesc":"귀하의 계정, 저장된 1003 초안, 문서, 환경설정을 삭제합니다. 일부 대출 기록은 HMDA / BSA / Reg B 준수를 위해 보관해야 합니다 — 해당 기록은 보관하되 허용되는 경우 익명화합니다.","bsharedB.requestDeletion":"삭제 요청","bsharedB.deletionConfirmWarning":"CCPA / GDPR 삭제 요청을 접수하려 합니다. 45일 이내에 처리하고 이메일로 확인해 드립니다. 활성 대출은 최종 상태에 도달할 때까지 삭제할 수 없습니다.","bsharedB.reasonOptional":"사유 (선택 사항)","bsharedB.reasonPlaceholder":"개선에 도움이 됩니다.","bsharedB.confirmDeletionRequest":"삭제 요청 확인","bsharedB.requestFiledAt":"{date}에 요청이 접수되었습니다. 처리가 완료되면 (45일 이내) 이메일로 알려드립니다.","bsharedB.pullingInsightsFor":"{street}의 부동산 정보를 불러오는 중…","bsharedB.noPublicData":"이 주소에 대한 공개 데이터를 찾을 수 없습니다.","bsharedB.noPublicDataBody":"주요 시장 외 지역은 데이터 범위가 고르지 않습니다 — 신청서에는 영향을 주지 않습니다. 처리 과정에서 브로커가 비교 매물(comps)ê³¼ 실제 감정 평가를 진행합니다.","bsharedB.propertyInsights":"부동산 정보","bsharedB.stubDataTitle":"샘플 데이터 — Zillow Bridge Interactive 제휴 대기 중","bsharedB.estimate":"추정치","bsharedB.estimatedValue":"추정 가치","bsharedB.rangeLabel":"범위:","bsharedB.factBuilt":"건축 연도","bsharedB.factSqFt":"면적(제곱피트)","bsharedB.factBeds":"침실","bsharedB.factBaths":"욕실","bsharedB.annualPropertyTax":"연간 재산세","bsharedB.percentOfValue":"가치의 {pct}%","bsharedB.perMoShort":"/월","bsharedB.confirmAtClosing":"마감 시 확인","bsharedB.none":"없음","bsharedB.noHoaExpected":"HOA 없음 예상","b

1sharedB.nearbySchools":"인근 학교","bsharedB.schoolGradeDistance":"{grade} \xb7 {miles} 마일","bsharedB.recentlySoldNearby":"인근 최근 매매","bsharedB.compDetail":"침실 {bd} \xb7 욕실 {ba} \xb7 {sqft} sqft \xb7 {date} 매매","bsharedB.pushOnTitle":"푸시 알림이 켜졌습니다.","bsharedB.pushOnDesc":"새로운 공시나 문서 업데이트가 있을 때 알림을 받게 됩니다.","bsharedB.turnOff":"끄기","bsharedB.pushEnableDesc":"공시, 문서 확인, 조건 업데이트 — 휴대폰이나 노트북으로 바로 전송됩니다.","bsharedB.enabling":"활성화 중…","bsharedB.enable":"활성화","bsharedB.dismiss":"닫기","bsharedB.closeNotificationPrompt":"알림 안내 닫기","bsharedB.getInstantUpdates":"대출 업데이트를 실시간으로 받기","bsharedB.pushPromptDesc":"중요한 사항만 알려드립니다: 금리 고정, 서명 요청, 조건 해제. 스팸은 없습니다.","bsharedB.notNow":"나중에","bsharedB.asking":"요청 중…","bsharedB.turnOn":"켜기","bsharedB.pwaAddToHomeScreen":"홈 화면에 추가","bsharedB.pwaInstallBorrowerTitle":"휴대폰에 Unified Loan System 설치하기","bsharedB.pwaInstallBorrowerDesc":"앱 스토어 없이 대출 업데이트를 실시간으로 받고 더 빠르게 접속하세요.","bsharedB.pwaIosTitle":"홈 화면에 Unified Loan System 추가하기","bsharedB.pwaIosBorrowerDesc":"iPhone에서는 공유 메뉴에서 세 번만 빠르게 탭하면 됩니다.","bsharedB.pwaInstallBrokerTitle":"휴대폰으로 파이프라인 관리하기","bsharedB.pwaInstallBrokerDesc":"파이프라인 알림, Breeze 채팅, 원탭 대출 고정 — 모두 빠르고 앱 같은 홈 화면 설치로 제공됩니다.","bsharedB.pwaIosBrokerDesc":"iPhone에서는 공유 메뉴에서 세 번만 빠르게 탭하면 됩니다 — 그러면 파이프라인이 한 번의 탭으로 열립니다.","bsharedB.dismissInstallBanner":"설치 배너 닫기","bsharedB.install":"설치","bsharedB.pwaStep1Tap":"탭하기","bsharedB.pwaShare":"공유","bsharedB.pwaStep1After":"Safari 도구 모음에서.","bsharedB.pwaStep2Before":"아래로 스크롤 → 탭하기","bsharedB.pwaAddToHomeScreenBold":"홈 화면에 추가","bsharedB.pwaStep3Before":"탭하기","bsharedB.pwaAddBold":"추가","bsharedB.pwaStep3After":"오른쪽 상단에서.","bsharedB.gotIt":"확인","bsharedB.comparingRate":"귀하의 금리를 시장과 비교하는 중…","bsharedB.lockedItIn":"고정 완료","bsharedB.youBeatMarket":"시장보다 유리합니다","bsharedB.yourRate":"귀하의 금리","bsharedB.marketAvg":"시장 평균","bsharedB.youSaved":"절약한 금액","bsharedB.lifetimeSavingsBefore":"일반적인 7년 보유 기간 동안, 이는 약","bsharedB.lifetimeSavingsAfter":"에 해당하는 이자를 내지 않고 그대로 절약하는 셈입니다. 금리를 잘 비교하셨네요.","bsharedB.replayDashboardTour":"대시보드 둘러보기 다시 보기","bsharedB.replayTour":"둘러보기 다시 보기","bsharedB.bandStrong":"우수","bsharedB.bandStrongSub":"파일 상태가 매우 좋습니다 — 대부분의 대출 기관에서 자격을 갖출 것입니다.","bsharedB.bandLikely":"가능성 높음","bsharedB.bandLikelySub":"대부분의 대출 기관이 이 파일을 승인할 것입니다. 아래 취약점을 보완하면 선택지가 넓어집니다.","bsharedB.bandBorderline":"경계선","bsharedB.bandBorderlineSub":"경계선에 있습니다. 일부 대출 기관은 승인하겠지만 금리 조건이 불리해질 수 있습니다.","bsharedB.bandUnlikely":"어려움","bsharedB.bandUnlikelySub":"아래 항목을 해결하지 않으면 일반적인 승인은 어렵습니다.","bsharedB.preQualFailed":"사전 자격 확인 실패","bsharedB.loadingPreQual":"사전 자격 확인을 불러오는 중…","bsharedB.preQualNoCredit":"신용에 영향을 주지 않고 사전 자격 확인 받기","bsharedB.connectBankFirstDesc":"먼저 Plaid로 은행을 연결하세요. 은행에서 도출한 신호를 사용합니다 — 신용평가기관 3사 통합 조회 없이 FICO에 영향을 주지 않습니다.","bsharedB.softPreQual":"소프트 사전 자격 확인","bsharedB.whereScoreFrom":"점수가 산출되는 근거","bsharedB.factorCredit":"귀하의 신용","bsharedB.factorDownPayment":"계약금","bsharedB.factorMonthlyDebts":"월 부채","bsharedB.factorSavingsJob":"저축 및 근무 이력","bsharedB.factorLoanProfile":"대출 프로필","bsharedB.factorUnderwriting":"심사 점검","bsharedB.whatsWorking":"유리한 점","bsharedB.whatToTighten":"보완할 점","bsharedB.bankDerivedFallback":"은행 기반 (대체)","bsharedB.refreshingPreQual":"사전 자격 확인 새로고침 중…","bsharedB.refreshPreQual"

1:"사전 자격 확인 새로고침","bsharedB.refreshing":"새로고침 중…","bsharedB.preQualCtaDesc":"하드 신용 조회 없이 현재 상태를 확인하세요. Plaid Check Consumer Report(은행 기반 신호 + 현금 흐름)를 가져와 승인 예측 모델을 실행합니다.","bsharedB.preQualFinePrint":"FICO 영향 없음 \xb7 약 10초 \xb7 Plaid Check 제공","bsharedB.bucketInProgress":"진행 중","bsharedB.bucketInProgressSub":"브로커, 대출 기관 또는 협력업체가 적극적으로 처리 중인 항목입니다.","bsharedB.bucketInProgressEmpty":"현재 진행 중인 항목이 없습니다.","bsharedB.bucketComplete":"완료","bsharedB.bucketCompleteSub":"이미 승인되어 귀하가 추가로 할 일이 없는 항목입니다.","bsharedB.bucketCompleteEmpty":"아직 완료된 항목이 없습니다 — 절차 초기 단계입니다.","bsharedB.bucketNeedsAttention":"조치 필요","bsharedB.bucketNeedsAttentionSub":"귀하를 기다리거나 막혀 있는 항목입니다. 항목을 클릭하면 해결할 수 있는 위치로 이동합니다.","bsharedB.bucketNeedsAttentionEmpty":"모든 항목을 처리하셨습니다. 미처리 항목이 없습니다.","bsharedB.closeButton":"닫기","bsharedB.openDays":"{days}일째 진행 중","bsharedB.daysOverdue":"{days}일 연체","bsharedB.dueInDays":"{days}일 후 마감","bsharedB.eta":"예상 {eta}","bsharedB.integrityLabTitle":"Integrity Lab: 조치 필요","bsharedB.integrityLabIntro":"AI 무결성 엔진이 대출을 clear-to-close 상태로 진행하기 위해 귀하의 조치가 필요한 몇 가지 항목을 발견했습니다. 자동 승인을 위해 아래 조건들을 해결하세요.","bsharedB.pendingActions":"{count}개의 대기 중인 작업","bsharedB.resolvedCount":"{count}개 해결됨","bsharedB.requiredProof":"필수 증빙","bsharedB.refLabel":"참조: {ref}","bsharedB.aiGeneratedStipulation":"AI 생성 ì¡°ê±´","bsharedB.allSystemsClear":"모든 항목 정상","bsharedB.noPendingIntegrity":"대기 중인 무결성 조건이 없습니다. 신청서가 최종 자금 지급 단계로 진행되고 있습니다.","bsharedB.resolutionStage":"해결 단계","bsharedB.underwriterGuidance":"심사관 안내","bsharedB.guidanceBefore":"다음을 제출하세요:","bsharedB.guidanceBold":"선명하고 수정되지 않은","bsharedB.guidanceAfter":" 원본. 홀로그램 반사광이나 가려진 여백은 AI의 재거부를 유발합니다.","bsharedB.uploadProofFor":"증빙 업로드: {type}","bsharedB.resolveCondition":"ì¡°ê±´ 해결","bsharedB.selectConditionToResolve":"해결할 조건을 선택하세요","bsharedB.autonomousReview":"자동 검토","bsharedB.autonomousReviewDesc":"Neural Integrity Engine이 재업로드된 파일ì

1„ 즉시 검토합니다. 대부분의 조건은 제출 후 60초 이내에 해결됩니다.","bsharedB.reviewingFile":"파일을 검토하는 중…","bsharedB.unableToLoadInsights":"파일 정보를 불러올 수 없습니다.","bsharedB.tryAgain":"다시 시도","bsharedB.fileLooksClean":"파일에 문제가 없습니다","bsharedB.reviewedDocClean":"{count}개 문서를 검토했습니다 — 현재 조치가 필요한 항목은 없습니다.","bsharedB.reviewedDocsClean":"{count}개 문서를 검토했습니다 — 현재 조치가 필요한 항목은 없습니다.","bsharedB.noDocsYet":"아직 검토할 문서가 없습니다. 급여 명세서, 은행 명세서 등을 업로드하여 시작하세요.","bsharedB.fileReview":"파일 검토","bsharedB.thingsToKnow":"파일에 대해 알아둘 사항","bsharedB.fromDocReviewed":"이미 검토한 {count}개 문서 기준.","bsharedB.fromDocsReviewed":"이미 검토한 {count}개 문서 기준.","bsharedB.needAttentionNow":"{count}개가 지금 조치가 필요합니다.","bsharedB.needAttentionNowPlural":"{count}개가 지금 조치가 필요합니다.","bsharedB.itemFlagged":"{count}개 항목이 표시되었습니다.","bsharedB.itemsFlagged":"{count}개 항목이 표시되었습니다.","bsharedB.showLess":"간략히 보기","bsharedB.showMore":"{count}개 더 보기","bsharedB.nextStepLabel":"다음 단계:","bsharedB.uploadNow":"지금 업로드","bsharedB.whatToBring":"지참할 것","bsharedB.readyCount":"{done}/{total} 준비됨","bsharedB.required":"필수","bsharedB.addedByBroker":"브로커가 추가함","bsharedB.allItemsReady":"모든 항목이 준비되었습니다 — 마감일 준비가 완료되었습니다!","bsharedB.dismissBanner":"배너 닫기","bsharedB.wireFraudEyebrow":"송금 사기 — 송금하기 전에 반드시 읽어보세요","bsharedB.alwaysVerifyByPhone":"송금 지시는 항상 전화로 확인하세요","bsharedB.wireNever":"절대","bsharedB.wireBullet1":"이메일로 받은 송금 지시를 신뢰하지 마세요 — 브로커나 에스크로 담당자처럼 보여도 마찬가지입니다. 이메일은 송금 사기의 가장 흔한 경로입니다.","bsharedB.wireAlways":"항상","bsharedB.wireBullet2":"송금하기 전에 전화로 확인하세요. 별도의 출처(이 포털, 이전 대출 서류, 또는 브로커 웹사이트 — 이메일에 적힌 번호가 아님)에서 얻은 전화번호를 사용하세요.","bsharedB.wireBullet3Before":"송금 지시는","bsharedB.wireChangeRarely":"거의 변경되지 않습니다","bsharedB.wireBullet3After":'. 자금을 다른 곳으로 보내라는 "막판 변경" 안내를 받으면, 확인되기 전까지 사기로 간주하세요.',"bsharedB.callBrokerToVerify":"브로커에게 전화하여 확인하세요 ({phone})","w3legal.questionsContact":"문의 사항이 있으십니까? 다음으로 문의하십시오:","w3legal.dpaEffective":"2026-05-06부터 발효됩니다.","w3legal.dpaTocScope":"1. 범위","w3legal.dpaTocDefinitions":"2. 정의","w3legal.dpaTocRoles":"3. 당사자의 역할","w3legal.dpaTocInstructions":"4. 처리 지침","w3legal.dpaTocConfidentiality":"5. 기밀 유지","w3legal.dpaTocSecurityMeasures":"6. 보안 조치","w3legal.dpaTocSubProcessors":"7. 하위 처리자","w3legal.dpaTocPlaidFlowdown":"8. Plaid Flow-Down Terms","w3legal.dpaTocDsr":"9. 정보주체 요청","w3legal.dpaTocIncidents":"10. 보안 사고","w3legal.dpaTocAudits":"11. 감사","w3legal.dpaTocReturnDeletion":"12. 데이터 반환 및 삭제","w3legal.dpaTocTransfers":"13. 국제 이전","w3legal.dpaTocLiability":"14. 책임","w3legal.dpaScopeBody":"본 데이터 처리 계약(“DPA”)은 Unified Loan System와 고객 간의 Master SaaS Agreement(“MSA”)를 보충하며, 본 서비스와 관련하여 고객을 대신해 Unified Loan System가 개인정보를 처리하는 것을 규율합니다. 본 계약에서 정의되지 않은 대문자 용어는 “MSA”에서 부여한 의미를 갖습니다. 데이터 보호와 관련하여 본 “DPA”와 “MSA” 간에 충돌이 있는 경우 본 “DPA”가 우선합니다.","w3legal.dpaDefinitionsBody":"“Borrower NPI”란 Gramm-Leach-Bliley Act(15 U.S.C. \xa7 6809) 및 Regulation P에 정의된 소비자에 관한 비공개 개인정보를 의미하며, 여기에는 성명, 사회보장번호, 생년월일, 금융 계좌 번호, 자산 및 소득 데이터, 소비자 신용 정보가 포함됩니다. “Process”는 15 U.S.C. \xa7 6809 및 해당 주 소비자 개인정보 보호법에서 부여한 의미를 갖습니다.","w3legal.dpaRolesBody":"본 서비스에 제출된 “Borrower NPI”와 관련하여, 고객은 데이터 컨트롤러(또는 해당하는 경우 캘리포니아 소비자 개인정보 보호법상의 “business”)이며 Unified Loan System는 데이터 처리자(또는 “service provider”)입니다. Unified Loan System는 본 서비스 구성에 반영된 지침을 포함하여 고객의 문서화된 지침에 따라서만 “Borrower NPI”를 처리합니다.","w3legal.dpaInstructionsBody":"고객은 다음을 위해 필요한 범위에서 Unified Loan System가 “Borrower NPI”를 처리하도록 지시합니다: (a) 본 서비스의 제공 및 유지; (b) 보안 사고 및 사기의 예방, 탐지, 대응; (c) Unified Loan System의 법적 의무 준수; (d) 고객이 본 서비스 내에서 명시적으로 개시하는 작업(예: 문서 분류, 전자 서명 전달, 대출기관 제출, Plaid를 통한 은행 검증)의 수행. Unified Loan System는 California Consumer Privacy Act에서 정의된 의미에 따라 “Borrower NPI”를 판매(Sell)하거나 공유(Share)하지 않습니다.","w3legal.dpaConfidentialityBody":"Unified Loan System는 “Borrower NPI” 처리 권한이 있는 모든 인원에게 기밀 유지 의무를 부과하고 “Borrower NPI” 취급에 관한 적절한 교육을 받도록 요구합니다.","w3legal.dpaSecurityIntro":"Unified Loan System는 Borrower NPI를 우발적이거나 불법적인 파기, 손실, 변경, 무단 공개 또는 접근으로부터 보호하기 위해 설계된 기술적 및 조직적 조치를 구현하고 유지합니다. 구체적으로:","w3legal.dpaSecurityItem1":"차입자 데이터 저장소에 대한 전송 중 암호화(TLS 1.2 이상) 및 저장 시 암호화.","w3legal.dpaSecurityItem2":"역할 기반 접근 제어; 애플리케이션 계층에서 시행되는 브로커별 테넌시 격리.","w3legal.dpaSecurityItem3":"다중 인증, 세션 활성 상태 재확인, 기기 바인딩 경고, 그리고 고가치 흐름(Plaid, 민감한 문서 다운로드)을 위한 피싱 방지 패스키.","w3legal.dpaSecurityItem4":"데이터 내보내기 및 공개 관련 이벤트를 포함한 Borrower NPI 접근에 대한 자동 감사 로깅으로, 관련 법률이 요구하는 기간 동안 보관됩니다.","w3legal.dpaSecurityItem5":"정기적인 취약점 모니터링, 종속성 업데이트 검토 및 침해 통지 절차.","w3legal.dpaSubProcessorsBefore":"Unified Loan System는 인프라, 클라우드 스토리지, 신원 확인, 비전 OCR, 전자 서명, 트랜잭션 이메일 및 은행 데이터 집계 서비스를 포함하여 서비스를 제공하기 위해 하위 처리자를 활용합니다. 고객은 다음에 나열된 하위 처리자에 대한 Unified Loan System의 사용을 승인합니다","w3legal.dpaSubProcessorsAfter":"Unified Loan System는 각 하위 처리자에게 본 DPA에 명시된 것보다 보호 수준이 낮지 않은 계약상 데이터 보호 의무를 부과합니다.","w3legal.dpaPlaidFlowdownBody":"본 서비스는 차입자가 허가한 은행 데이터 및 신원 확인을 위해 Plaid, Inc.와 통합됩니다. 고객의 Plaid 기능 사용은 추가로 Plaid End User Privacy Policy 및 Plaid의 플로우다운 고객 약관(“Plaid Flow-Down Terms”)의 적용을 받습니다. 고객은 Plaid 기능이 활ì„

1±í™”되기 전에 Unified Loan System 콘솔 내에서 Plaid Flow-Down Terms에 동의해야 합니다. 고객의 Plaid Flow-Down Terms 동의는 감사 재현을 위해 버전, 타임스탬프, IP 및 사용자 에이전트와 함께 기록됩니다.","w3legal.dpaDsrBody":"Unified Loan System는 정보주체 요청(차입자가 자신의 정보에 접근, 수정, 삭제 또는 내보내기를 요청하는 것을 포함)에 대응하는 고객의 의무 이행을 가능하게 하기 위해 합리적인 지원을 제공합니다. 고객은 요청자의 신원을 확인하고 요청을 승인할지 여부에 대한 근본적인 결정에 책임이 있습니다.","w3legal.dpaIncidentsBody":"Unified Loan System는 본 DPA에 따라 처리된 Borrower NPI에 영향을 미치는 확인된 보안 사고를 인지한 후 부당한 지연 없이 고객에게 통지하며, 고객이 관련 법률에 따른 자체 통지 의무를 이행하는 데 합리적으로 필요한 정보를 제공합니다.","w3legal.dpaAuditsBody":"고객(또는 기밀 유지 의무를 조건으로 고객이 선택한 독립 감사인)은 최소 삼십(30)일 전 서면 통지로 연 1회 Unified Loan System의 본 DPA 준수 여부를 감사할 수 있습니다. Unified Loan System는 가능한 경우 최근 제3자 감사 보고서(예: SOC 2 Type II 또는 이에 상응하는 것)를 제공함으로써 이 의무를 이행할 수 있습니다.","w3legal.dpaReturnDeletionBody":"MSA 종료 시 고객은 이동 가능한 형식으로 자신의 Borrower NPI 반환을 요청할 수 있습니다. Unified Loan System는 관련 법률에 의해 보관이 요구되거나 법적 청구의 확립, 행사 또는 방어를 위해 필요한 경우를 제외하고 종료 후 구십(90)일 이내에 Borrower NPI를 삭제하거나 익명화합니다.","w3legal.dpaTransfersBody":"Unified Loan System는 미국 내에서 Borrower NPI를 처리합니다. Unified Loan System는 고객의 사전 서면 동의 없이 Borrower NPI를 미국 외부로 이전하지 않습니다.","w3legal.dpaLiabilityBody":"MSA에 명시된 책임 제한이 본 DPA에 적용됩니다. 본 DPA에 따른 각 당사자의 책임은 해당 제한의 적용을 받습니다.","w3legal.msaEffective":"2026-05-06부터 발효.","w3legal.msaTocPartiesScope":"1. 당사자 및 범위","w3legal.msaTocEligibility":"2. 고객 자격","w3legal.msaTocLicenseGrant":"3. 라이선스 부여","w3legal.msaTocCustomerResponsibilities":"4. 고객의 책임","w3legal.msaTocOnboarding":"5. 온보딩 및 라이선스 확인","w3legal.msaTocThirdParty":"6. 제3자 서비스","w3legal.msaTocFees":"7. 요금 및 결제","w3legal.msaTocDataOwnership":"8. 데이터 소유권 및 사용","w3legal.msaTocConfidentiality":"9. 기밀 유지","w3legal.msaTocWarranties":"10. 보증; 면책 조항","w3legal.msaTocLiability":"11. 책임의 제한","w3legal.msaTocIndemnification":"12. 면책 배상","w3legal.msaTocTerm":"13. 기간; 해지","w3legal.msaTocGoverningLaw":"14. 준거법","w3legal.msaTocEntireAgreement":"15. 완전 합의; 업데이트","w3legal.msaPartiesScopeBody":"본 마스터 SaaS 계약(이하 “Agreement”)은 상호 Unified Loan System로 영업하는 캘리포니아 법인 California Mortgage Solutions, Inc.(이하 “Unified Loan System”, “we” 또는 “us”)와 Broker Console 워크스페이스를 등록하는 사업체(이하 “Customer” 또는 “you”) 사이에 체결됩니다. 본 계약은 귀하의 Unified Loan System Broker Console 서비스형 소프트웨어 플랫폼(이하 “Service”)에 대한 접근 및 사용을 규율합니다.","w3legal.msaEligibilityBo

1dy":"본 Service는 연방 Nationwide Mortgage Licensing System(“NMLS”) 및 해당 주 당국에 따라 발급된 유효한 라이선스를 보유한 모기지 브로커, 모기지 대출 개시자 및 모기지 브로커 법인에게만 제공됩니다. 본 Agreement에 동의함으로써 귀하는 (a) 주거용 모기지 대출을 개시할 수 있는 현행 유효 NMLS 라이선스를 보유하고 있으며, (b) 귀하가 제공하는 모든 법인 및 신원 정보(법적 상호, 법인 주소, EIN, NMLS ID 포함)가 정확하고, (c) 귀하의 사업체를 본 Agreement에 구속시킬 권한이 있음을 진술하고 보증합니다.","w3legal.msaLicenseGrantBody":"귀하가 본 Agreement를 계속 준수하는 것을 조건으로, Unified Loan System는 귀하에게 기간 동안 내부 사업 목적으로 Service에 접근하고 이를 사용할 수 있는 비독점적, 양도 불가능, 취소 가능한 라이선스를 부여합니다. 귀하는 (a) Service를 재라이선스, 재판매 또는 상업적으로 이용하거나; (b) 소스 코드를 역설계하거나 도출하려고 시도하거나; (c) 기술적 제한, 속도 제한 또는 보안 통제를 우회하거나; (d) Service를 사용하여 법률, 규정 또는 제3자의 권리를 위반해서는 안 됩니다.","w3legal.msaCustomerResponsibilitiesBody":"귀하는 (a) 차입자 정보를 포함하여 Service에 제출하는 모든 데이터의 정확성과 적법성; (b) 차입자의 비공개 개인 정보(“NPI”)를 Service에 제출하기 전에 차입자로부터 필요한 모든 동의를 획득하는 것; (c) 귀하의 계정 자격 증명의 기밀 유지 및 귀하의 승인된 사용자의 행위; (d) TILA, RESPA, ECOA, SAFE Act 및 각 주의 약탈적 대출 관련 법령을 포함하여 귀하의 사업에 적용되는 모든 연방 및 주 모기지 대출 법률의 준수; 그리고 (e) Service를 통해 대출을 개시하는 모든 주에서 현행 유효한 NMLS 라이선스를 유지하는 것에 대해 단독으로 책임을 집니다.","w3legal.msaOnboardingBody":"프로덕션 액세스 권한이 부여되기 전에 귀하는 (a) 법적 상호, 법인 주소, EIN 및 연방 NMLS ID를 제공하고; (b) 본 Agreement 및 Data Processing Agreement(이하 “DPA”)를 체결하며; (c) 라이선스 상태 심사를 통과해야 합니다. Unified Loan System는 NMLS 라이선스 상태에 대해 지속적이고 자동화된 재확인을 수행합니다. 어떤 이유로든 귀하의 라이선스가 비활성, 만료, 정지, 취소 또는 기타 사유로 비활성 상태가 되면, 귀하의 워크스페이스는 자동으로 동결되며 Plaid와 같은 제3자 통합을 포함한 모든 Service 기능에 대한 액세스는 라이선스 상태가 복구될 때까지 정지됩니다.","w3legal.msaThirdPartyBody":"Service는 Plaid, Inc., Resend, AWS, OpenAI, Anthropic 및 기타(이하 통칭 “Third-Party Services”)를 포함한 제3자 제공자에 의존합니다. Third-Party Services와 통합되는 기능의 사용은 DPA에 따라 전달되는 모든 플로우다운(flow-down) 약관을 포함하여 적용 가능한 제3자 약관의 적용을 받습니다. Unified Loan System는 Third-Party Services에 관하여 어떠한 보증도 하지 않으며, 그 가용성, 정확성 또는 행위에 대해 책임지지 않습니다.","w3legal.msaFeesBody":"구독 요금, 측정 기반 전가 요금 및 적용 가능한 사용량 기반 요금은 가격 페이지 또는 가입 시 체결된 주문서에 명시됩니다. 요금은 구독 기간에 대해 선불로, 측정 기능에 대해서는 사용량 청구 방식으로 지불해야 합니다. Unified Loan System는 삼십(30)일 통지 후 미납을 이유로 Service를 정지할 수 있습니다.","w3legal.msaDataOwnershipBody":"귀하는 귀하의 고객 데이터 및 Service에 제출하는 모든 데이터에 대한 모든 권리, 소유권 및 이익을 보유합니다. 귀하는 Unified Loan System에 Service를 제공하는 데 필요한 범위 내에서만 그리고 DPA에 추가로 기술된 바에 따라 이 데이터를 처리할 수 있는 제한된 라이선스를 부여합니다. Unified Loan System는 법률에서 요구하거나 DPA에서 명시적으로 허용하는 경우를 제외하고는 귀하의 데이터를 판매, 임대 또는 공개하지 않습니다.","w3legal.msaConfidentialityBody":"각 당사자는 (a) 상대방의 기밀 정보를 자신의 유사한 중요도를 갖는 기밀 정보를 보호하기 위해 사용하는 것과 최소한 동일한 수준의 주의로, 그리고 합리적인 주의 이상으로 보호하고, (b) 본 Agreement를 이행하는 데 필요한 경우를 제외하고는 기밀 정보를 사용하지 않을 것에 동의합니다.","w3legal.msaWarrantiesBody":"Unified Loan System는 Service가 공개된 문서에 실질적으로 부합할 것을 보증합니다. 본 조항의 명시적 보증을 제외하고, SERVICE는 “AS IS”(있는 그대로) 제공되며, UNIFIED LOAN SYSTEM는 상품성, 특정 목적에의 적합성 및 비침해에 대한 보증을 포함하여 명시적이든 묵시적이든 다른 모든 보증을 부인합니다.","w3legal.msaLiabilityBo

1dy":"법률이 허용하는 최대 범위에서, 어느 당사자도 간접적, 결과적, 부수적 또는 징벌적 손해, 또는 일실이익이나 데이터 손실에 대해 책임을 지지 않습니다. 본 AGREEMENT에 따른 각 당사자의 총 책임은 책임을 발생시킨 사건 직전 십이(12)개월 동안 CUSTOMER가 UNIFIED LOAN SYSTEM에 지급하였거나 지급해야 할 요금을 초과하지 않습니다.","w3legal.msaIndemnificationBody":"귀하는 (a) 귀하의 본 계약 위반, (b) 귀하의 법률 또는 규정 위반, (c) 귀하가 본 서비스에 제출한 데이터, 또는 (d) 귀하의 대출 개시, 처리 또는 종결로 인해 발생하는 모든 제3자 청구에 대하여 Unified Loan System를 방어하고 면책합니다. Unified Loan System는 Unified Loan System가 제공한 본 서비스가 제3자의 미국 지식재산권을 침해한다는 모든 제3자 청구에 대하여 귀하를 방어합니다.","w3legal.msaTermBody":"본 계약은 귀하가 이를 수락하는 시점에 개시되며 해지될 때까지 유효합니다. 중대한 위반이 서면 통지 후 삼십(30)일 이내에 시정되지 않는 경우 어느 일방도 중대한 위반을 사유로 해지할 수 있습니다. Unified Loan System는 제5조에 따른 동결 사건, 제4조 위반, 또는 신빙성 있는 컴플라이언스 또는 보안 사고가 발생하는 경우 즉시 정지 또는 해지할 수 있습니다.","w3legal.msaGoverningLawBody":"본 계약은 법률 충돌 원칙에 관계없이 캘리포니아주 법률의 적용을 받습니다. 양 당사자는 캘리포니아주 San Luis Obispo 카운티에 소재한 주 법원 및 연방 법원의 전속 관할권에 동의합니다.","w3legal.msaEntireAgreementBody":'본 계약은 "DPA"와 함께 본 서비스에 관한 양 당사자 간의 완전한 합의를 구성하며 모든 이전 합의를 대체합니다. Unified Loan System는 본 계약을 수시로 업데이트할 수 있으며, 업데이트는 새로운 버전 식별자와 발효일이 포함된 새 버전을 게시함으로써 통지됩니다. 발효일 이후 귀하가 본 서비스를 계속 사용하는 것은 업데이트된 계약에 대한 수락을 구성합니다.',"w3legal.subProcessorsEyebrow":"Unified Loan System \xb7 법무 \xb7 하위 처리자","w3legal.subProcessorsTitle":"제3자 하위 처리자","w3legal.subProcessorsLastUpdated":"최종 업데이트: 2026-05-07.","w3legal.subProcessorsIntro1Before":'아래 나열된 제3자는 본 서비스 운영과 관련하여 Unified Loan System 고객을 대신하여 "Borrower NPI"를 처리할 수 있는 승인된 하위 처리자입니다. 당사는 각 하위 처리자에게 당사의 다음 문서에 명시된 의무보다 보호 수준이 낮지 않은 계약상 데이터 보호 의무를 부과합니다',"w3legal.subProcessorsIntro2":'당사는 "Borrower NPI"를 취급하는 신규 하위 처리자를 승인하기 전에 이에 대한 통지를 제공합니다. 고객은 통지 후 삼십(30)일 이내에 신규 하위 처리자에 대해 서면으로 이의를 제기할 수 있으며, 당사가 해당 이의를 합리적으로 수용할 수 없는 경우 고객은 본 서비스의 영향을 받는 부분을 해지할 수 있습니다.',"w3legal.subProcessorsTheirDpa":"해당 업체의 DPA →","w3legal.subProcessorsColPurpose":"목적","w3legal.subProcessorsColLocation":"위치","w3legal.subProcessorsColDataCategories":"데이터 범주","w3legal.unsubCatMarketingLabel":"마케팅 이메일","w3legal.unsubCatMarketingDesc":"캠페인 이메일, 프로모션 및 뉴스레터","w3legal.unsubCatTransactionalLabel":"거래 이메일","w3legal.unsubCatTransactionalDesc":"대출 상태 업데이트, 문서 알림","w3legal.unsubCatUpdatesLabel":"제품 업데이트","w3legal.unsubCatUpdatesDesc":"기능 공지 및 플랫폼 소식","w3legal.unsubInvalidLink":"유효하지 않은 링크입니다.","w3legal.unsubCouldNotVerify":"구독 취소 링크를 확인할 수 없습니다.","w3legal.unsubSelectCategory":"위 확인란을 선택하여 수신 거부를 확인해 주세요.","w3legal.unsubSomethingWrong":"문제가 발생했습니다.","w3legal.unsubNetworkError":"네트워크 오류입니다. 다시 시도해 주십시오.","w3legal.unsubInvalidTitle":"유효하지 않은 구독 취소 링크","w3legal.unsubInvalidBody":"이 구독 취소 링크는 유효하지 않거나 만료되었습니다. 가장 최근에 받으신 이메일의 링크를 사용해 주십시오.","w3legal.unsubVerifying":"링크를 확인하는 중입니다...","w3legal.unsubSuccessTitle":"환경설정이 업데이트되었습니다","w3legal.unsubSuccessBody":"이메일 환경설정이 저장되었습니다. 선택하신 카테고리의 이메일은 더 이상 받지 않으십니다.","w3legal.unsubSuccessNote":"변경 사항이 완전히 적용되기까지 최대 24시간이 걸릴 수 있습니다.","w3legal.unsubFormTitle":"이메일 환경설정","

1w3legal.unsubFormManage":"당사로부터 수신할 이메일을 관리하십시오. 다음에서 구독 취소","w3legal.unsubAllTitle":"마케팅 이메일 수신 거부","w3legal.unsubAllDesc":"대출 관련 메시지(상태 업데이트, 서류 요청 및 기타 서비스 안내)는 계속 발송됩니다.","w3legal.unsubChooseCategories":"또는 특정 카테고리를 선택하십시오:","w3legal.unsubReasonLabel":"사유 (선택 사항)","w3legal.unsubReasonPlaceholder":"구독을 취소하시는 이유를 알려주십시오...","w3legal.unsubSaving":"저장 중...","w3legal.unsubUpdate":"환경설정 업데이트","w3legal.unsubCanSpam":"CAN-SPAM 준수. 귀하의 요청은 영업일 기준 10일 이내에 처리됩니다.","w3legal.unsubLoading":"로딩 중...","w3legal.glbaTitle":"GLBA Safeguards 정보 보안 정책","w3legal.glbaEffective":"2026-05-16부터 시행.","w3legal.glbaTocScope":"1. 범위 및 적용 법률","w3legal.glbaTocQualifiedIndividual":"2. 자격을 갖춘 담당자","w3legal.glbaTocRiskAssessment":"3. 위험 평가","w3legal.glbaTocAccessControls":"4. 접근 제어","w3legal.glbaTocInventory":"5. 정보 목록","w3legal.glbaTocEncryption":"6. 암호화","w3legal.glbaTocSecureDevelopment":"7. 보안 개발","w3legal.glbaTocMfa":"8. 다중 요소 인증","w3legal.glbaTocDisposal":"9. 정보 폐기","w3legal.glbaTocChangeManagement":"10. 변경 관리","w3legal.glbaTocMonitoring":"11. 모니터링 및 로깅","w3legal.glbaTocTraining":"12. 직원 교육","w3legal.glbaTocServiceProviders":"13. 서비스 제공

1업체 감독","w3legal.glbaTocEvaluation":"14. 정기 평가","w3legal.glbaTocIncidentResponse":"15. 사고 대응","w3legal.glbaTocReporting":"16. 연례 보고","w3legal.glbaScopeBody":"본 정보 보안 정책(“Policy”)은 연방거래위원회의 Safeguards Rule이 Gramm-Leach-Bliley Act, 16 C.F.R. Part 314(“Safeguards Rule”)에 따라 요구하는 Unified Loan System의 포괄적인 서면 정보 보안 프로그램을 시행합니다. 본 정책은 Unified Loan System가 본 서비스와 관련하여 자사의 브로커 테넌트를 대신하여 처리(Process)하는 모든 비공개 개인정보(“NPI”)에 적용됩니다. 각 브로커 테넌트는 Safeguards Rule에 따른 “financial institution”이며 자체 서면 정보 보안 프로그램에 대한 책임을 집니다. 본 Policy는 NPI 보호의 플랫폼 계층을 규율합니다.","w3legal.glbaQualifiedIndividualBody":"Unified Loan System는 본 Policy의 감독, 시행 및 집행을 담당하는 자격을 갖춘 담당자를 지정합니다. 자격을 갖춘 담당자는 보안 프로그램의 상태에 관하여 Unified Loan System의 거버넌스 기구(단일 구성원 법인의 경우 창립자)에 정기적으로 보고합니다. 시행일 현재 자격을 갖춘 담당자는 Unified Loan System의 창립자이며, 이 책임은 서면으로 재지정될 수 있습니다.","w3legal.glbaRiskAssessmentBody":"Unified Loan System는 최소 매년, 그리고 운영상의 중대한 변경이 NPI의 보안에 영향을 미칠 수 있을 때마다 서면 위험 평가를 수행하고 문서화합니다. 이 평가는 NPI의 보안성, 기밀성 및 무결성에 대한 합리적으로 예측 가능한 내부 및 외부 위험을 식별하고, 그러한 위험을 통제하기 위해 마련된 보호 조치의 충분성을 평가하며, 필요에 따라 본 Policy를 개정하는 데 사용됩니다. 위험 평가 결과는 최소 5년간 보관됩니다.","w3legal.glbaAccessControlsBody":"NPI에 대한 접근은 최소 권한 및 알 필요(need-to-know) 원칙에 따라 제한됩니다. 프로덕션 접근에는 인증된 신원(SSO 또는 하드웨어 키 기반 자격 증명), 자격을 갖춘 담당자가 명시적으로 부여한 권한, 그리고 민감한 작업에 대한 시간 제한 권한 상승이 필요합니다. 플랫폼의 테넌트 수준 격리는 한 브로커 테넌트의 직원이 다른 테넌트의 NPI에 접근할 수 없도록 보장합니다. 접근 권한은 최소 6개월마다 검토되며 역할 변경 또는 퇴사 시 취소됩니다.","w3legal.glbaInventoryBody":"Unified Loan System는 NPI를 수집, 저장, 처리, 전송 또는 폐기하는 시스템의 목록을 유지합니다. 이 목록은 시스템, 처리되는 NPI의 범주, 데이터 흐름, 보존 등급 및 책임 소유자를 식별합니다. 이 목록은 최소 연 1회 검토되며 중대한 변경이 발생할 경우 갱신됩니다.","w3legal.glbaEncryptionBody":"NPI는 업계 표준 알고리즘(전송 시 TLS 1.2 이상, 저장 시 AES-256 또는 동등 수준)을 사용하여 전송 중 및 저장 시 암호화됩니다. 암호화 키는 클라우드 제공업체의 관리형 키 서비스를 통해 관리되며 접근은 기록 및 감사됩니다. 특정 데이터 필드의 암호화가 불가능한 경우, Qualified Individual이 효과적인 대체 보완 통제 수단의 사용을 서면으로 승인하고 문서화합니다.","w3legal.glbaSecureDevelopmentBody":"소프트웨어 개발은 코드 검토, 정적 분석, 종속성 취약점 검사 및 배포 전 테스트를 포함한 보안 코딩 관행을 따릅니다. 프로덕션 배포는 버전 관리되고 검토되며 승인됩니다. 타사 라이브러리는 목록화되고 권고사항에 대해 모니터링됩니다.","w3legal.glbaMfaBody":"Unified Loan System를 대신하여 NPI에 접근하는 모든 개인은 다중 인증을 사용해야 하며, 다만 Qualified Individual이 합리적으로 동등하거나 더 안전한 접근 통제 수단의 사용을 서면으로 승인하고 문서화한 경우는 예외로 합니다. 프로덕션 시스템 관리 접근에는 하드웨어 키 기반 인증이 요구됩니다.","w3legal.glbaDisposalBody":"NPI는 해당 정보가 본 서비스와 관련하여 마지막으로 사용된 날로부터 늦어도 2년 이내에 안전하게 폐기되며, 다만 관련 법률, 정당한 사업상 필요에 따라 보존이 요구되거나 MSA 또는 DPA에서 달리 합의된 경우는 예외로 합니다. 폐기 절차는 해당 정보를 판독 불가능하고 해독 불가능하며 복원 불가능하게 만듭니다.","w3legal.glbaChangeManagementBody":"플랫폼 정보 시스템에 대한 중대한 변경은 배포 전에 본 정책에 따라 평가됩니다. NPI 처리 구성요소에 대한 변경은 Qualified Indiv

1idual의 승인을 필요로 합니다. 프로덕션 변경은 귀속 정보, 타임스탬프 및 복원 경로와 함께 버전 관리됩니다.","w3legal.glbaMonitoringBody":"Unified Loan System는 NPI에 접근할 권한이 있는 사용자의 활동을 모니터링하고 주요 보안 및 접근 이벤트를 기록합니다. 로그는 최소 1년간 보존되며 이상 징후 파악을 위해 Qualified Individual이 정기적으로 검토합니다. 본 서비스는 broker-tenant 수준에서 NPI 접근 작업에 대한 감사 추적을 유지하여 테넌트가 자체 규제 문의에 대응할 수 있도록 합니다.","w3legal.glbaTrainingBody":"NPI에 접근하는 모든 Unified Loan System 직원은 채용 시점 및 그 이후 매년 보안 인식 교육을 받습니다. Qualified Individual은 변화하는 위험에 비추어 교육의 적절성과 최신성을 평가합니다.","w3legal.glbaServiceProvidersBody":"Unified Loan System는 NPI에 대해 적절한 보호 조치를 유지할 수 있는 서비스 제공

1업체를 선정하고, 서비스 제공업체에게 계약을 통해 그러한 보호 조치를 구현하고 유지하도록 요구하며, 서비스 제공업체가 제기하는 위험과 보호 조치의 지속적인 적절성에 기초하여 정기적으로 평가합니다. 하위 처리자의 최신 목록은 다음에서 유지됩니다","w3legal.glbaEvaluationBody":"Qualified Individual은 최소 연 1회, 그리고 플랫폼 운영 또는 위협 환경에 중대한 변경이 있을 경우 본 정책을 평가합니다. 조정 사항은 문서화되어 관련 인력에게 전달됩니다.","w3legal.glbaIncidentResponseBody":"Unified Loan System는 다음 구성요소를 포함하는 서면 사고 대응 계획을 유지합니다: 내부 대응 절차, 역할 및 책임, 외부 및 내부 커뮤니케이션, 문서화 및 보고 요건, 그리고 사고 후 평가 및 시정. NPI에 영향을 미치는 보안 사고 발생 시, Unified Loan System는 DPA에서 요구하는 바에 따라 영향을 받는 broker tenant에게 부당한 지체 없이 통지하고, 테넌트의 후속 규제 및 차주 통지 의무 이행을 지원합니다.","w3legal.glbaReportingBody":"Qualified Individual은 최소 연 1회 Unified Loan System의 거버넌스 기구에 서면 보고서를 작성하며, 여기에는 정보 보안 프로그램의 전반적인 상태, 프로그램과 관련된 중대한 사항(위험 평가, 테스트 및 모니터링 결과, 보안 이벤트, 프로그램 변경 권고 포함), 그리고 주의가 필요한 서비스 제공

1업체 관련 약정이 포함됩니다.","w3legal.smsEntityLine":"Unified Loan System, California Mortgage Solutions, Inc.의 DBA.  \xb7  최종 업데이트: 2026년 6월 9일.","w3legal.smsOptInTitle":"SMS 수신 동의 및 승낙","w3legal.smsOptInIntroBefore":"이는 다음 위치에서 계정 가입 중 차주에게 제시되는 SMS 수신 동의입니다","w3legal.smsOptInIntroMiddle":"— 최종 “검토 및 동의” 단계의 전화번호 입력란 바로 아래 — 및 대출 신청서(10단계, “공시 및 동의”)에 표시됩니다. 문자 메시지 수신에 대한 동의는","w3legal.smsOptInOptional":"선택 사항","w3legal.smsOptInIntroComma":", 체크박스는","w3legal.smsOptInUnchecked":"기본적으로 선택 해제되어 있으며","w3legal.smsOptInIntroAnd":", 그리고","w3legal.smsOptInNotRequired":"필수가 아닙니다","w3legal.smsOptInIntroAfter":"계정을 만들거나 서비스를 이용하기 위해.","w3legal.smsOptInAgreeHeading":"귀하가 동의하는 내용","w3legal.smsOptInAgreeBody1":"계정 가입 중에(또는 대출 신청서에서) 휴대폰 번호를 제공하고 이 확인란 중 하나 이상을 선택하면, 귀하가 선택한 범주에 대해 Unified Loan System(California Mortgage Solutions, Inc.)로부터 반복적인 거래성 SMS 문자 메시지를 수신하는 데 동의하게 됩니다 — 예를 들어 일회성 보안/로그인 코드, 대출 상태 업데이트, 그리고 문서, 마감 및 전자 서명 알림 등입니다.","w3legal.smsOptInAgreeBody2Before":"메시지 빈도는 범주별 및 대출 파일의 활동에 따라 다릅니다(일반적으로 범주당 월 2–15개의 메시지).","w3legal.smsOptInReplyBefore":"회신","w3legal.smsOptInReplyHelp":"도움을 받으려면 또는","w3legal.smsOptInReplyAfter":"언제든지 취소할 수 있습니다. 통신사는 지연되거나 전달되지 않은 메시지에 대해 책임지지 않습니다. 당사는 마케팅 또는 홍보 문자를 보내지 않으며, 귀하의 휴대폰 번호나 SMS 수신 동의 데이터를 제3자에게 판매, 임대 또는 공유하지 않습니다.","w3legal.smsFullTerms":"전체 SMS 약관","w3legal.smsRatesMayApply":"메시지 및 데이터 요금이 부과될 수 있습니다.","w3legal.smsTermsTitle":"SMS 커뮤니케이션 약관","w3legal.smsTermsTocWhoSends":"1. 이 메시지를 보내는 주체","w3legal.smsTermsTocCategories":"2. 메시지 범주","w3legal.smsTermsTocOptIn":"3. 수신 동의 방법","w3legal.smsTermsTocFrequency":"4. 메시지 빈도","w3legal.smsTermsTocOptOut":"5. 수신 거부 및 도움말 키워드","w3legal.smsTermsTocRates":"6. 메시지 및 데이터 요금","w3legal.smsTermsTocCarriers":"7. 지원되는 통신사 및 전달","w3legal.smsTermsTocPrivacy":"8. 개인정보 보호","w3legal.smsTermsTocChanges":"9. 본 약관의 변경","w3legal.smsTermsTocContact":"10. 연락처","w3legal.smsWhoSendsBody":"Unified Loan System의 SMS 메시지는 California에서 라이선스를 받은 모기지 중개업체인 California Mortgage Solutions, Inc.(상호명 “Unified Loan System”로 운영)에서 발송합니다. 메시지는 당사의 통신 제공업체인 Twilio Inc.에 등록 및 인증된 전화번호에서 발신됩니다.","w3legal.smsCategoriesIntro":"Unified Loan System는 세 개의 독립적인 SMS 프로그램을 운영합니다. 각 프로그램은 계정 가입 시 또는 대출 신청서에서 수집되는 자체적인 명시적 수신 동의가 필요합니다. 귀하는 이들 중 어떤 조합이든(또는 아무것도) 선택하여 동의할 수 있습니다.","w3legal.smsCategoriesItem1Label":"보안 및 인증 메시지.","w3legal.smsCategoriesItem1Body":"2FA 코드, 계정 보안 알림 및 보안 메시지. 일반적인 빈도: 월 5-10건의 메시지.","w3legal.smsCategoriesItem2Label":"대출 상태 및 운영 업데이트.","w3legal.smsCategoriesItem2Body":"대출 상태 알림, 서류 요청 및 귀하의 활성 대출 파일에 관한 대출기관의 연락. 일반적인 빈도: 월 5-15건의 메시지.","w3legal.smsCategoriesItem3Label":"서류, 클로징 및 전자 서명 알림.","w3legal.smsCategoriesItem3Body":"전자 서명 요청, 클로징 날짜 알림 및 서류 서명 알림. 일반적인 빈도: 월 2-8건의 메시지.","w3legal.smsCategoriesIndependentBefore":"각 프로그램은 독립적입니다. 다음 문자를 보내면","w3legal.smsCategoriesIndependentAfter":"세 가지 모두가 한 번에 해지되며, 설정 → 알림의 SMS 토글은 귀하의 번호로 전송되는 모든 문자 메시지를 일시 중지합니다. 단일 카테고리를 변경하려면 다음으로 문의하십시오","w3legal.smsCategoriesBroker":"브로커 계정에는 브로커 등록 시 동일한 방식으로 수집되는 유사한 선택적 카테고리가 있습니다: 보안 및 인증(월 5-10건), 작업 공간 및 파이프라인 활동(월 10-25건), 계정 및 서류 활동(월 2-8건).","w3legal.smsCategoriesNoMarketingLabel":"당사는 마케팅 또는 홍보 SMS를 발송하지 않습니다.","w3legal.smsCategoriesNoMarketingBody":"당사는 제3자 또는 계열사의 자체 마케팅 목적을 위해 귀하의 전화번호를 공유하지 않습니다.","w3legal.smsOptInIntro":"귀하는 명시적이고 적극적인 수신 동의 이후에만 Unified Loan System로부터 SMS를 받습니다. 수신 동의는 다음 방법 중 하나로 수집됩니다:","w3legal.smsOptInSignupLabel":"계정 가입 중","w3legal.smsOptInAtPrefix":"위치:","w3legal.smsOptInOr":"또는","w3legal.smsOptInSignupAfter":". 동의 상자를 선택하면 Unified Loan System가 귀하가 제공한 전화번호로 거래성 SMS를 발송하도록 승인하게 됩니다.","w3legal.smsOptInApplyLabel":"대출 신청 중","w3legal.smsOptInApplyAfter":", 10단계(“공개 및 동의”)에서는 동일한 세 개의 선택적 카테고리 체크박스가 나타나며, 귀하가 선택하는 각 카테고리는 자체적인 독립적 SMS 동의를 기록합니다.","w3legal.smsOptInOtherPurpose":"다른 목적으로 수집된 전화번호(예: 귀하의 대출 담당자 연락처 정보)는 귀하가 별도로 수신 동의하기 전까지 SMS에 등록되지 않습니다.","w3legal.smsFrequencyBody":"메시지 빈도는 카테고리에 따라 다릅니다. 카테고리별 일반적인 범위는 위의 섹션 2를 참조하십시오(보안 및 인증: 월 5-10건; 대출 상태 및 운영 업데이트: 월 5-15건; 서류, 클로징 및 전자 서명 알림: 월 2-8건). 귀하의 월별 총 발송량은 귀하가 동의한 카테고리와 대출 파일의 활동에 따라 달라집니다. 인증 코드는 귀하가 로그인 또는 민감한 작업을 시작할 때만 발송됩니다.","w3legal.smsOptOutIntro":"Unified Loan System에서 받은 SMS에 다음 키워드 중 하나로 회신하여 언제든지 수신을 거부할 수 있습니다:","w3legal.smsOptOutAfterStopBefore":"STOP 키워드를 보내면 마지막 확인 메시지를 한 번 받게 되며, 다시 수신을 신청할 때까지 해당 번호로 더 이상 SMS가 발송되지 않습니다. 다시 수신을 신청하려면 다음으로 회신하십시오:","w3legal.smsOptOutReplyBefore":"회신","w3legal.smsOptOutReplyMiddle":"언제든지 지원 정보를 받으려면, 또는 다음을 방문하십시오:","w3legal.smsOptOutReplyEmail":"또한 다음으로 이메일을 보낼 수 있습니다:","w3legal.smsOptOutImportantLabel":"중요:","w3legal.smsOptOutImportantBody":"SMS 수신을 거부하더라도 이메일이나 앱 내 알림 수신은 거부되지 않으며, 기본 대출 파일에는 영향을 미치지 않습니다. SMS가 비활성화된 경우 일부 인증 절차에서는 대체 방법(예: 인증 앱 또는 이메일 코드)을 사용해야 할 수 있습니다.","w3legal.smsRatesBody":"Unified Loan System는 SMS에 대해 요금을 부과하지 않지만, 요금제에 따라 귀하의 무선 통신사가 수신 또는 발신 메시지에 대해 요금을 부과할 수 있습니다. 요금제의 메시지 요율에 대한 자세한 내용은 통신사에 문의하십시오.","w3legal.smsCarriersBody":"Unified Loan System는 AT&T, Verizon, T-Mobile, US Cellular, Sprint, Boost Mobile, MetroPCS 등을 포함한 미국의 모든 주요 무선 통신사로의 SMS 전송을 지원합니다. 통신사는 지연되거나 전달되지 않은 메시지에 대해 책임

1을 지지 않습니다. 개별 메시지의 전달은 보장되지 않습니다.","w3legal.smsPrivacyBefore":"전화번호 및 SMS 수신 동의 상태는 당사의","w3legal.smsPrivacyAfter":"당사는 제3자의 마케팅 목적을 위해 전화번호, 수신 동의 데이터 또는 SMS 콘텐츠를 판매, 임대 또는 공유하지 않습니다. 전화번호는 귀하가 수신하기로 동의한 메시지를 발송할 목적으로만 당사의 SMS 발송 제공업체(Twilio)와 엄격하게 공유됩니다.","w3legal.smsChangesBody":"당사는 이 SMS 약관을 수시로 업데이트할 수 있습니다. 중요한 변경 사항은 위의 “Last Updated” 날짜에 반영됩니다. 변경 후에도 SMS 등록을 계속 유지하는 것은 업데이트된 약관에 동의하는 것으로 간주됩니다. 당사가 발송하는 메시지의 범주를 중대하게 변경하는 경우, 귀하는 앱 내 또는 이메일 알림을 받게 되며 수신 동의를 다시 확인해야 할 수 있습니다.","w3legal.smsContactIntro":"이 SMS 약관 또는 Unified Loan System로부터 받은 메시지에 관한 문의:","w3legal.smsContactEmailLabel":"이메일:","w3legal.smsContactWebLabel":"웹:","w3legal.smsContactEntity":"운영 주체: California Mortgage Solutions, Inc., San Luis Obispo, CA","w3legal.smsSeeAlsoOur":"다음도 참조하십시오:","w3info.changelog.eyebrow":"변경 내역","w3info.changelog.heroPre":"새로운 기능","w3info.changelog.heroSub":"모든 릴리스, 모든 개선 사항. 저희는 빠르게 배포하고 모든 것을 문서화합니다.","w3info.changelog.date.may2026":"2026년 5월","w3info.changelog.date.apr2026":"2026년 4월","w3info.changelog.tag.major":"주요 릴리스","w3info.changelog.tag.feature":"새 기능","w3info.changelog.tag.infra":"인프라","w3info.changelog.tag.fix":"버그 수정","w3info.changelog.v32.title":"Tri-Merge 신용 조회 + AI 신용 보고서 분석","w3info.changelog.v32.item1":"SoftPro/FactualData를 통한 실시간 tri-merge 신용 조회 및 실제 신용 기관 점수 제공","w3info.changelog.v32.item2":"AI가 생성한 신용 설명을 대출 파일에 직접 표시","w3info.changelog.v32.item3":"신용 한도 요약 및 부정적 정보 플래그가 포함된 신용 대시보드 위젯","w3info.changelog.v32.item4":"관리자 AI 프록시 인증 게이트 — 모든 AI 엔드포인트에 유효한 세션 필요","w3info.changelog.v31.title":"자체 eSign v1 — 엔드투엔드 실시간 적용","w3info.changelog.v31.item1":"PAdES 준수 자체 eSign — 봉투당 DocuSign 수수료 없음","w3info.changelog.v31.item2":"대출자 감사 추적: 이벤트별로 IP, 타임스탬프, 서명된 필드 캡처","w3info.changelog.v31.item3":"프로덕션에서 개발용 서명 인증서 활성화; 투자자 전환을 위한 DigiCert 인증서 경로 문서화","w3info.changelog.v31.item4":"PDF.js 워커 고정 — 업로드된 모든 문서에 대한 제로 바이트 보호","w3info.changelog.v31.item5":"스모크 테스트 완료: 봉투 af503135가 대출 c7eb5d59에서 서명됨","w3info.changelog.v30.title":"보안 강화 — 3단계 출시","w3info.changelog.v30.item1":"계정 잠금, HIBP 유출 검사, broker MFA, 새 기기 이메일 알림","w3info.changelog.v30.item2":"보안 질문, 세션 IP/UA 바인딩, 민감 필드 단계별 강화 인증","w3info.changelog.v30.item3":"@simplewebauthn을 통한 패스키(WebAuthn) — 전체 브라우저 지원","w3info.changelog.v30.item4":"최근 로그인 대시보드 + 모든 기기에서 로그아웃 + 불가능한 이동 경고","w3info.changelog.v30.item5":"유휴 시간 초과 + /admin/audit의 관리자 감사 로그 UI","w3info.changelog.v29.title":"Plaid 은행 소득 + ID 스캐너","w3info.changelog.v29.item1":"Plaid Link 통합 — 샌드박스 라이브, 프로덕션은 MSA 서명에 따라 결정","w3info.changelog.v29.item2":"AAMVA 바코드 스캐너: 3가지 모드(업로드/카메라/QR 핸드오프), 3단계 추출","w3info.changelog.v29.item3":"ZXing 서버 및 비전 OCR 폴백이 포함된 Dynamsoft 브라우저 측 디코딩","w3info.changelog.v29.item4":"Plaid Cashflow/Income Insights, Consumer Report, Identity Match 연동 완료","w3info.changelog.v28.title":"Breeze AI 대화 엔진","w3info.changelog.v28.item1":"Breeze 응답 시스템: 12가지 기능 출시 — 스마트 일정 관리, Gmail OAuth, 캘린더 동기화","w3info.changelog.v28.item2":"Breeze 액션 카드: 8가지 액션 유형, 누락 인식 수정 카드, 1003 필드 자동 입력","w3info.changelog.v28.item3":"대화 기록 전환기 + 세션 간 유지","w3info.changelog.v28.item4":"시나리오 시뮬레이션, 음성 및 컴플라이언스 코파일럿 모드","w3info.changelog.v27.title":"컴플라이언스 엔진 + AUS ê²°ê³¼","w3info.changelog.v27.item1":"ATR, HMDA, OFAC, 연방 \xa71026.32 고비용 + CA/NY/TX/FL 주별 라우팅","w3info.changelog.v27.item2":"AUS ê²°ê³¼ 스텁: DU 및 LP에 적격 소득/DTI/LTV 사전 입력","w3info.changelog.v27.item3":"MISMO 3.4 내보내기 라이브 — 대출 기관 인계 준비 완료","w3info.changelog.v27.item4":"HMDA LAR 내보내기 도구 + 모든 대출 편집 시 컴플라이언스 재계산","w3info.changelog.v26.title":"NAS 문서 저장소 + 대출자 포털","w3info.changelog.v26.item1":"Cloudflare Tunnel을 통한 Synology NAS의 MinIO — 모든 업로드를 클라우드 외부에 저장","w3info.changelog.v26.item2":"대출자 포털 재구축: 6개의 설정 하위 페이지, 프로필, 비밀번호, 알림","w3info.changelog.v26.item3":"게스트 1003 흐름(옵션 A — 가입 전 NPI 없음) 및 등록 시 자동 입력","w3info.changelog.v26.item4":"첫 방문 둘러보기 + /borrower/help 안내 출시","w3info.changelog.ctaTextPre":"저희는 매주 여러 번 배포합니다. 리포지토리에 별표를 누르거나 팔로우하세요","w3info.changelog.ctaTextPost":"실시간 업데이트를 받으세요.","w3info.changelog.ctaStartBuilding":"구축 시작하기","w3info.changelog.ctaSeeFeatures":"모든 기능 보기","w3info.resources.eyebrow":"리소스","w3info.resources.heroPre":"Broker","w3info.resources.heroAccent":"리소스","w3info.resources.heroSub":"Unified Loan System를 최대한 활용할 수 있도록 도와주는 가이드, 문서 및 지원입니다.","w3info.resources.card.knowledgeBase.title":"지식 베이스","w3info.resources.card.knowledgeBase.desc":"대시보드, 문서 업로드, AI 심사 결정 및 컴플라이언스 검사에 대한 단계별 가이드입니다.","w3info.resources.card.knowledgeBase.action":"가이드 보기","w3info.resources.card.apiDocs.title":"API 문서","w3info.resources.card.apiDocs.desc":"REST API를 통해 기존 CRM, LOS 또는 맞춤형 프런트엔드와 Unified Loan System를 통합하기 위한 기술 문서입니다.","w3info.resources.card.apiDocs.action":"문ì

1„œ 읽기","w3info.resources.card.videos.title":"비디오 둘러보기","w3info.resources.card.videos.desc":"대출자 포털, 파이프라인 관리 및 AI ì¡°ê±´ 검토 흐름에 대한 화면 녹화 둘러보기입니다.","w3info.resources.card.videos.action":"비디오 보기","w3info.resources.card.compliance.title":"컴플라이언스 가이드","w3info.resources.card.compliance.desc":"실제 예시 및 내보내기 체크리스트가 포함된 HMDA, ATR/Reg Z, OFAC 및 주별 고비용 테스트 문서입니다.","w3info.resources.card.compliance.action":"컴플라이언스 보기","w3info.resources.supportCta.heading":"맞춤형 지원이 필요하신가요?","w3info.resources.supportCta.body":"저희 broker 성공 팀이 대기하고 있습니다. 복잡한 파일, 컴플라이언스 질문 또는 온보딩 지원이 필요하시면 직접 문의해 주세요.","w3info.resources.supportCta.contact":"지원팀에 문의하기","w3info.resources.supportCta.allOptions":"모든 문의 방법","w3info.apiDocs.backToResources":"리소스로 돌아가기","w3info.apiDocs.title":"API 문서","w3info.apiDocs.subtitle":"Unified Loan System의 심사 엔진을 CRM에 직접 통합하세요.","w3info.apiDocs.previewNote":"이것은 미리보기입니다. 전체 API 참조에 액세스하려면 엔지니어링 팀에 문의해 주세요.","w3info.apiDocs.requestAccess":"API 액세스 요청","w3info.guides.backToResources":"리소스로 돌아가기","w3info.guides.title":"지식 베이스","w3info.guides.subtitle":"Unified Loan System 사용에 대해 알아야 할 모든 것입니다.","w3info.guides.cat.gettingStarted":"시작하기","w3info.guides.cat.documentManagement":"문서 관리","w3info.guides.cat.underwritingConditions":"심사 및 ì¡°ê±´","w3info.guides.link.settingUpProfile":"Broker 프로필 설정하기","w3info.guides.link.invitingClient":"첫 고객 초대하기","w3info.guides.link.dashboardOverview":"대시보드 이해하기","w3info.guides.link.scanningBestPractices":"스캔 모범 사례","w3info.guides.link.resolvingOcrErrors":"OCR 오류 해결하기","w3info.guides.link.secureSharing":"안전한 문서 공유","w3info.guides.link.interpretingAi":"AI 결정 해석하기","w3info.guides.link.clearingConditions":"ì¡°ê±´ 자동 해제하기","w3info.guides.link.manualReview":"수동 검토 요청하기","w3info.guideArticle.backToKb":"지식 베이스로 돌아가기","w3info.guideArticle.helpful":"이 도움말이 유용했나요?","w3info.guideArticle.yes":"예","w3info.guideArticle.no":"아니요","w3info.support.backToResources":"리소스로 돌아가기","w3info.support.title":"지원팀에 문의하기","w3info.support.subtitle":"저희 성공 팀이 조건을 해제하고 대출을 마무리하실 수 있도록 도와드립니다.","w3info.support.emailUs":"이메일 보내기","w3info.support.emailResponse":"평균 응답 시간 4시간","w3info.support.liveChat":"실시간 채팅","w3info.support.chatAvailability":"대시보드에서 이용 가능","w3info.support.chatHours":"월-금 오전 9시 - 오후 6시 EST","w3info.support.submitTicket":"티켓 제출하기","w3info.support.subjectLabel":"제목","w3info.support.subjectPlaceholder":"문제에 대한 간단한 설명","w3info.support.messageLabel":"메시지","w3info.support.messagePlaceholder":"무슨 일이 있었는지 더 자세히 알려주세요...","w3info.support.submitRequest":"요청 제출하기","w3info.beta.errorInvalid":"유효하지 않은 beta 액세스 코드입니다. 다시 시도해 주세요.","w3info.beta.errorGeneric":"문제가 발생했습니다. 다시 시도해 주세요.","w3info.beta.eyebrow":"비공개 Beta","w3info.beta.title":"Beta 액세스","w3info.beta.subtitle":"이 플랫폼은 비공개 개발 중입니다. 계속하려면 초대 코드를 입력하세요.","w3info.beta.invitationCode":"초대 코드","w3info.beta.unlockAccess":"액세스 잠금 해제","w3info.beta.loading":"로딩 중…","w3borrower.toastUploading":"{name} 업로드 중…","w3borrower.toastUploaded":"{name} 업로드 완료 — 담당 대출 담당자가 검토할 예정입니다.","w3borrower.toastUploadFailed":"업로드 실패: {reason}","w3borrower.uploadRejected":"업로드가 거부되었습니다","w3borrower.loadingCondition":"조건을 불러오는 중…","w3borrower.conditionNotFound":"조건을 찾을 수 없습니다.","w3borrower.allConditions":"모든 ì¡°ê±´","w3borrower.veraSuggestionPlainEnglish":"이것이 쉬운 말로 무슨 뜻인가요?","w3borrower.veraSuggestionWhereDocument":"이 문서는 어디서 받을 수 있나요?","w3borrower.veraSuggestionHowLong":"이 작업은 얼마나 걸리나요?","w3borrower.veraSuggestionFromPhone":"이것을 제 휴대폰에서 보낼 수 있나요?","w3borrower.veraWelcome":"이 조건에서 어떤 점이 헷갈리시는지 알려 주세요.","w3borrower.errInvalidCode":"코드가 잘못되었거나 만료되었습니다. 다시 시도해 주세요.","w3borrower.errSomethingWrong":"문제가 발생했습니다.","w3borrower.errThrottled":"너무 빠릅니다 — 약 1분 정도 기다린 후 다시 시도해 주세요.","w3borrower.errAuthenticatorApp":"이 계정은 인증 앱을 사용합니다. 앱을 열고 현재 6자리 코드를 사용하세요.","w3borrower.errResendFailed":"코드를 다시 보낼 수 없습니다. 연결 상태를 확인하고 다시 시도해 주세요.","w3borrower.verifyEyebrow":"대출자","w3borrower.verifyTitle":"마지막 확인 — 본인 인증을 진행하세요","w3borrower.verifySubtitleEmailPrefix":"방금 6자리 코드를 다음 이메일로 보냈습니다","w3borrower.verifySubtitleNoEmail":"방금 6자리 코드를 이메일로 보내 드렸습니다.","w3borrower.newCodeSent":"새 코드가 발송되었습니다 — 받은 편지함(및 스팸 폴더)을 확인하세요.","w3borrower.whyCodeHeading":"코드가 필요한 이유","

1w3borrower.whyCodeBody1":"누군가 비밀번호를 알고 있더라도 받은 편지함에 접근하지 못하면 로그인할 수 없습니다. 6자리 코드를 발송합니다","w3borrower.whyCodeBodyEmphasis":"새 기기에서 로그인할 때마다","w3borrower.whyCodeBody2":"— 이 브라우저에서 한 번 확인되면 30일 동안 다시 요청하지 않습니다.","w3borrower.lookForEmail":"이 이메일을 찾아보세요","w3borrower.emailFromLabel":"보낸 사람:","w3borrower.emailSubjectLabel":"제목:","w3borrower.emailSubjectValue":"Unified Loan System 로그인 코드","w3borrower.codeExpiresBefore":"코드 만료까지","w3borrower.codeExpiresDuration":"10분","w3borrower.typeCodeLabel":"아래에 6자리 코드를 입력하세요","w3borrower.codeTip":"팁: 대부분의 이메일 앱은 미리보기 줄에 코드를 표시하므로 이메일을 열 필요가 없을 수 있습니다.","w3borrower.verifyAndSignIn":"인증하고 로그인","w3borrower.backToSignIn":"로그인으로 돌아가기","w3borrower.resendAriaSending":"새 코드 보내는 중…","w3borrower.resendAriaSent":"코드 발송됨 — 받은 편지함 확인","w3borrower.resendAriaIdle":"새 코드 보내기","w3borrower.resendSending":"보내는 중…","w3borrower.resendSent":"발송됨 — 받은 편지함 확인","w3borrower.resendIdle":"새 코드 보내기","w3borrower.spamHint":'코드가 보이지 않나요? 스팸 또는 프로모션 폴더를 확인하세요. 코드가 만료되면 위의 "새 코드 보내기"를 누르세요.',"w3borrower.loading":"불러오는 중…","w3borrower.offlineTitle":"오프라인 상태입니다","w3borrower.offlineBody":"연결이 끊긴 것 같습니다. 대출 신청서는 안전합니다 — 저장된 모든 항목은 당사 서버에 있으며, 진행 중인 편집 내용은 다시 온라인에 연결되는 즉시 동기화됩니다.","w3borrower.offlineReconnecting":"다시 연결하는 중…","w3borrower.offlineTryAgain":"다시 시도","w3borrower.offlineBorrowerDashboard":"대출자 대시보드","w3borrower.offlineContinueApplication":"신청서 계속 작성하기","w3borrower.offlineTip":"팁: 1003 신청 마법사는 오프라인에서도 작동하며, 편집 내용은 다시 온라인에 연결되는 즉시 당사 서버에 동기화됩니다.","w3borrower.paymentReceivedTitle":"결제 완료","w3borrower.cardSavedTitle":"카드가 등록되었습니다","w3borrower.paymentReceivedBody":"감사합니다. 담당 브로커에게 자동으로 알림이 전송되었으며, Stripe에서 곧 항목별 영수증을 이메일로 보내 드립니다.","w3borrower.cardSavedBody":"결제 카드가 이제 Stripe에 안전하게 저장되었습니다. 담당 브로커에게 자동으로 알림이 전송되므로 추가로 하실 일은 없습니다.","w3borrower.cardSavedDisclaimerBefore":"귀하의 카드는","w3borrower.cardSavedDisclaimerNot":"청구되지 않습니다","w3borrower.cardSavedDisclaimerAfter":"대출이 성사되지 않는 경우에만, 그리고 브로커가 귀하를 대신해 지불한 문서화된 제3자 비용에 대해서만 청구됩니다. 청구 전에 항목별 알림을 받게 됩니다.","w3borrower.paymentCanceledTitle":"결제가 취소되었습니다","w3borrower.cardNotSavedTitle":"카드가 저장되지 않았습니다","w3borrower.paymentCanceledBody":"결제를 완료하기 전에 취소하셔서 청구되지 않았습니다. 이 탭을 닫거나 준비가 되면 언제든지 브로커가 보낸 링크를 다시 사용하실 수 있습니다.","w3borrower.cardNotSavedBody":"설정을 완료하기 전에 취소하셔서 카드가 저장되지 않았습니다. 이 탭을 닫거나 준비가 되면 언제든지 브로커가 보낸 링크를 다시 사용하실 수 있습니다.","w3borrower.closeThisTab":"이 탭 닫기","w3borrower.verifyUniversalTitle":"범용 학습 검증","w3borrower.testSuite":"테스트 모음","w3borrower.testSuiteDescription":'새로운 "범용 문서 학습" 로직에 대해 종합 테스트를 실행 중입니다. 세금 신고서, W-2, 신분증 등을 포함한 11가지 문서 유형을 시뮬레이션합니다.',"w3borrower.runningTests":"테스트 실행 중...","w3borrower.runComprehe

1nsiveTests":"종합 테스트 실행","w3borrower.results":"ê²°ê³¼","w3borrower.expectedLabel":"예상:","w3borrower.actualLabel":"실제:","w3borrower.pass":"통과","w3borrower.fail":"실패","w3borrower.confLabel":"신뢰도:","w3borrower.plaidExchangeFailed":"은행 연동 교환 실패","w3borrower.plaidLinked":"은행 연결됨 — 계좌 정보를 가져오는 중입니다.","w3borrower.plaidReconnectFailed":"재연결 표시 실패","w3borrower.plaidReconnected":"은행이 재연결되었습니다 — 대출 데이터가 다시 최신 상태입니다.","w3borrower.plaidFinishFailed":"은행 연결을 완료하지 못했습니다. 다시 시도하거나 수동 업로드를 이용하세요.","w3borrower.plaidSessionEnded":"은행 세션이 예기치 않게 종료되었습니다. 다시 시도하거나 명세서를 업로드하세요.","w3borrower.plaidSessionExpiredTitle":"은행 연결 세션이 만료되었습니다","w3borrower.plaidSessionExpiredBody1":"활성화된 은행 연결 세션을 찾을 수 없습니다. 이는 보통 은행에서의 인증이 예상보다 오래 걸렸거나 이 페이지가 새로고침되었을 때 발생합니다.","w3borrower.plaidSessionExpiredBody2":"대출 신청서로 돌아가 은행 연결을 다시 클릭하여 새 세션을 시작하세요.","w3borrower.plaidBackToDashboard":"대시보드로 돌아가기","w3borrower.plaidLinkingTitle":"은행을 연결하는 중…","w3borrower.plaidResumingTitle":"은행 연결을 재개하는 중…","w3borrower.plaidLinkingBody":"거의 완료되었습니다 — 계좌 정보를 대출 파일에 저장하는 중입니다.","w3borrower.plaidResumingBody":"인증 후 은행에 다시 연결하는 동안 잠시만 기다려 주세요.","w3sign.error.heading":"서명할 수 없습니다","w3sign.error.missingToken":"액세스 토큰이 없습니다.","w3sign.error.invalidLink":"이 서명 링크가 유효하지 않거나 만료되었습니다.","w3sign.error.notFound":"봉투를 찾을 수 없습니다.","w3sign.error.alreadySigned":"이 문서는 이미 서명되었습니다.","w3sign.error.declined":"이 서명 요청이 거부되었습니다.","w3sign.error.linkUsed":"이 서명 링크는 이미 사용되었습니다.","w3sign.error.somethingWrong":"문제가 발생했습니다","w3sign.error.tryAgain":"다시 시도","w3sign.doc.fallbackTitle":"문서","w3sign.consent.recordError":"동의를 기록할 수 없습니다 ({status})","w3sign.consent.recordErrorRetry":"동의를 기록할 수 없습니다. 다시 시도해 주세요.","w3sign.decline.failed":"거부 실패: {status}","w3sign.decline.recordError":"거부를 기록하지 못했습니다.","w3sign.decline.button":"서명 거부","w3sign.submit.placeAllFirst":"먼저 필요한 모든 위치에 서명을 배치해 주세요.","w3sign.submit.failed":"서명 실패: {status}","w3sign.submit.failedRetry":"서명을 제출하지 못했습니다. 다시 시도해 주세요.","w3sign.submit.button":"서명된 문서 제출","w3sign.submit.needMoreOne":"계속하려면 1개 필드에 더 서명하세요","w3sign.submit.needMoreMany":"계속하려면 {count}개 필드에 더 서명하세요","w3sign.submitting.loaderLabel":"서명 처리 중…","w3sign.submitting.title":"서명을 제출하는 중…","w3sign.submitting.body":"잠시만 기다려 주세요 — 서명된 문서를 마무리하고 있습니다.","w3sign.done.iconLabel":"성공","w3sign.done.title":"서명이 모두 완료되었습니다!","w3sign.done.bodyBefore":"서명된 문서가 봉인되었습니다. 사본이 다음 이메일로 발송됩니다: ","w3sign.done.bodyAfter":" 몇 분 이내에.","w3sign.done.continue":"계속","backs.title":"몇 가지 빠른 확인 사항","backs.intro":"계속하기 전에 다음 계정 설정 고지 사항을 검토하고 서명해 주세요. 1분이면 충분합니다.","backs.item.esign":"전자 문서 및 전자 서명 동의","backs.item.glba":"개인정보 보호 고지","backs.item.holden":"공정 대출 고지","backs.status.signed":"서명 완료","backs.status.awaiting":"서명 필요","backs.cta.start":"검토 및 서명","backs.cta.continue":"서명 계속하기","backs.cta.opening":"여는 중…","backs.later":"나중에 알림","backs.error":"서명 페이지를 여는 중 문제가 발생했습니다. 다시 시도해 주세요.","w3sign.declined.title":"서명 거부됨","w3sign.declined.body":"귀하의 결정을 기록했습니다. 마음이 바뀌거나 궁금한 점이 있으면 대출 담당자에게 문의하세요.","w3sign.header.signingAs":"서명자","w3sign.sign.stepLabel":"2단계 중 2단계","w3sign.sign.heading":"문서에 서명하세요","w3sign.sign.instructionCreate":"아래에서 서명을 만든 다음, 문서에서 강조 표시된 각 필드를 눌러 적용하세요.","w3sign.sign.instructionAllPlaced":"모든 필드에 서명했습니다 — 제출할 준비가 되었습니다.","w3sign.sign.instructionProgress":"{total}개 필드 중 {placed}개 서명 완료. 계속하려면 강조 표시된 각 필드를 누르세요.","w3sign.sign.createSignature":"서명 만들기","w3sign.sign.intentNote":"누르는 각 필드는 해당 위치에 서명하려는 의사를 기록합니다. 제출하면 최종 서명된 PDF가 봉인되어 이메일로 발송됩니다.","w3sign.signature.label":"귀하의 서명","w3sign.signature.change":"변경","w3sign.signature.adoptedAlt":"채택한 서명","w3sign.signature.initialsLabel":"이니셜:","w3sign.signature.dateLabel":"날짜:","w3sign.placeAll.one":"남은 1개 필드를 한 번에 서명","w3sign.placeAll.many":"남은 {count}개 필드를 한 번에 서명","w3sign.progress.pill":"{total}개 중 {placed}개 서명됨","w3sign.progress.pillAria":"{total}개의 서명 필드 중 {placed}개 서명됨","w3sign.progress.listAria":"서명 필드 진행 상황","w3sign.progress.fieldsHeading":"서명 필드","w3sign.progress.noFields":"이 문서에서 서명 필드를 찾을 수 없습니다.","w3sign.progress.page":"{page} 페이지","w3sign.fieldType.initial":"이니셜","w3sign.fieldType.date":"날짜","w3sign.fieldType.signature":"서명","common.skipToMain":"본문으로 건너뛰기","rwset.heading":"설정","rwset.subheading":"계정 및 환경설정을 관리하세요.","rwset.backToAll":"모든 설정으로 돌아가기","rwset.all":"전체","rwset.editInApplication":"이름, 이메일 또는 전화번호를 변경해야 하나요? 신청서에서 수정하세요","rwset.section.security.label":"보안","rwset.section.security.desc":"비밀번호, 2FA, 패스키 및 보안 질문","rwset.section.notifications.label":"알림","rwset.section.notifications.desc":"대출에 관한 소식을 알려드리는 방법과 시점","rwset.section.appearance.label":"화면 모양","rwset.section.appearance.desc":"테마 및 색상","rwset.section.connections.label":"연결","rwset.section.connections.desc":"은행 계좌 및 연결된 서비스","rwset.section.privacy.label":"개인정보 및 데이터","rwset.section.privacy.desc":"데이터 다운로드 또는 삭제 (CCPA / GDPR)","rwset.appearance.themeTitle":"테마","rwset.appearance.themeDesc":"라이트, 미드나이트 또는 트루 블랙을 선택하세요.","rwset.appearance.themeMode.light":"라이트","rwset.appearance.themeMode.midnight":"미드나이트","rwset.appearance.themeMode.dark":"트루 블랙","rwset.appearance.accentTitle":"강조 색상","rwset.appearance.accentDesc":"버튼, 링크 및 강조 표시에 사용됩니다.","rwset.appearance.accentColorAria":"{color} 강조 색상","rwset.appearance.color.default":"인디고","rwset.appearance.color.ocean":"오션","rwset.appearance.color.forest":"포레스트","rwset.appearance.color.sunset":"선셋","rwset.appearance.color.lavender":"라벤더","rwset.privacy.intro":"캘리포니아주 CCPA 및 GDPR에 따라 귀하는 자신의 데이터를 열람, 내보내기 또는 삭제할 권리가 있습니다. 아래 옵션을 사용하세요.","rwset.privacy.retentionNote":"45일 이내에 답변해 드립니다. 일부 데이터는 연방 기록 보관(HMDA, BSA / OFAC, Reg B / ECOA, FCRA)을 위해 필수이며 개인 환경설정을 삭제한 후에도 보관해야 합니다. 요청을 처리할 때 해당 보관 대상이 되는 항목을 알려드립니다.","rwset.connections.bankTitle":"은행 계좌 (Plaid)","rwset.connections.bankDesc":"은행 잔액과 명세서를 1003 양식에 자동으로 입력합니다. 언제든지 연결을 해제할 수 있으며, 연결을 해제하면 Plaid에서 캐시한 데이터도 삭제됩니다.","rwset.connections.loading":"불러오는 중…","rwset.connections.startToConnect":"은행을 연결하려면 신청서를 시작하세요.","rwset.connections.bankConnected":"은행 연결됨","rwset.connections.bankConnectedNamed":"은행 연결됨 — {institution}","rwset.connections.noBank":"연결된 은행이 없습니다. 신청서의 자산 섹션에서 은행을 연결할 수 있습니다.","rwset.connections.product.assetReport":"자산 보고서","rwset.connections.product.assetReportPending":"2년간의 잔액을 가져ì˜

1¤ëŠ” 중…","rwset.connections.product.incomeVerification":"소득 확인","rwset.connections.product.incomeVerificationPending":"직접 입금 내역을 분석하는 중…","rwset.connections.product.consumerReport":"소비자 보고서","rwset.connections.product.consumerReportPending":"현금 흐름 신호를 생성하는 중…","rwset.connections.product.ready":"준비됨","rwset.connections.product.failed":"실패 — 대출 담당자에게 문의하세요","rwset.security.twoFactorTitle":"2단계 인증","rwset.security.twoFactorDesc":"비밀번호에 더해 인증 앱 코드를 추가합니다.","rwset.security.passkeysTitle":"패스키","rwset.security.passkeysDesc":"지문, 얼굴 또는 기기 PIN으로 로그인하세요 — 피싱에 강하며 권장됩니다.","rwset.security.questionsTitle":"보안 질문","rwset.security.questionsDesc":"새 기기에서 로그인할 때 대체 수단으로 사용됩니다.","rwset.security.signInsTitle":"최근 로그인","rwset.security.signInsDesc":"귀하의 계정에 로그인한 기기입니다. 모르는 기기가 있으면 비밀번호를 변경하세요.","rwset.security.password.title":"비밀번호","rwset.security.password.desc":"비밀번호를 변경하면 다른 기기에서 로그아웃됩니다.","rwset.security.password.currentPlaceholder":"현재 비밀번호","rwset.security.password.currentAria":"현재 비밀번호","rwset.security.password.newPlaceholder":"새 비밀번호","rwset.security.password.newAria":"새 비밀번호","rwset.security.password.confirmPlaceholder":"새 비밀번호 확인","rwset.security.password.confirmAria":"새 비밀번호 확인","rwset.security.password.errMinLength":"새 비밀번호는 최소 8자 이상이어야 합니다.","rwset.security.password.errMismatch":"새 비밀번호가 일치하지 않습니다.","rwset.security.password.errGeneric":"비밀번호를 변경할 수 없습니다.","rwset.security.password.updated":"비밀번호가 업데이트되었습니다.","rwset.security.password.saving":"저장 중…","rwset.security.password.changeBtn":"비밀번호 변경","rwset.security.twoFactor.enabledNotice":"2FA가 활성화되어 있습니다.","rwset.security.twoFactor.disableBtn":"2FA 비활성화","rwset.security.twoFactor.disableWarning":"2FA를 비활성화하면 계정이 비밀번호와 이메일 코드에만 의존하게 됩니다. 계속하시겠습니까?","rwset.security.twoFactor.cancel":"취소","rwset.security.twoFactor.disabling":"비활성화하는 중…","rwset.security.twoFactor.confirmDisable":"예, 2FA를 비활성화합니다","rwset.security.twoFactor.loading":"불러오는 중…","rwset.security.twoFactor.setupBtn":"2FA 설정","rwset.security.twoFactor.scanInstructions":"Google Authenticator, Authy 또는 1Password로 스캔하세요.","rwset.security.twoFactor.qrAlt":"2FA QR","rwset.security.twoFactor.manualKey":"수동 키:","rwset.security.twoFactor.codePlaceholder":"6자리 코드","rwset.security.twoFactor.codeAria":"인증 앱 6자리 코드","rwset.security.twoFactor.verifyEnable":"확인 및 활성화","rwset.notifications.errLoadPrefs":"환경설정을 불러올 수 없습니다.","rwset.notifications.errLoadConditions":"ì¡°ê±´ 환경설정을 불러올 수 없습니다.","rwset.notifications.errSaveFailed":"저장하지 못했습니다.","rwset.notifications.errSaveReverted":"저장하지 못했습니다 — 설정이 되돌려졌습니다.","rwset.notifications.errSaveRetry":"저장하지 못했습니다 — 다시 시도하세요.","rwset.notifications.loading":"불러오는 중…","rwset.notifications.channelsTitle":"채널","rwset.notifications.channelsDesc":"자동으로 저장됩니다.","rwset.notifications.emailLabel":"이메일","rwset.notifications.emailDesc":"상태 업데이트, 문서 요청 및 주요 단계.","rwset.notifications.smsLabel":"SMS","rwset.notifications.smsDesc":"긴급 알림만 — 금리 고정 확인 및 서명 요청.","rwset.notifications.voiceTitle":"음성 및 접근성","rwset.notifications.voiceDesc":"Breeze가 음성을 사용하여 귀하와 상호작용하는 방식을 제어하세요.","rwset.notifications.voiceInputLabel":"음성 입력 — Breeze에게 질문을 말로 전달하기","rwset.notifications.voiceInputDesc":"브라우저의 마이크를 사용합니다. 브라우저 지원이 필요합니다.","rwset.notifications.voiceOutputLabel":"음성 출력 — Breeze의 답변을 소리 내어 읽기","rwset.notifications.voiceOutputDesc":"Breeze의 각 메시지 옆에 재생 버튼이 표시됩니다.","rwset.notifications.conditionTitle":"ì¡°ê±´ 알림","rwset.notifications.conditionDesc":"대출 담당자가 조건을 추가하거나 업데이트할 때 발생할 알림을 선택하세요. 대출 담당자가 활성화하지 않은 채널은 회색으로 표시됩니다.","rwset.notifications.condition.newEmail.label":"새 ì¡°ê±´ 이메일","rwset.notifications.condition.newEmail.desc":"대출에 새 조건이 추가될 때","rwset.notifications.condition.weeklyDigest.label":"주간 요약","rwset.notifications.condition.weeklyDigest.desc":"일요일에 받는 미해결 항목 요약","rwset.notifications.condition.staleReminder.label":"정체된 ì¡°ê±´ 알림","rwset.notifications.condition.staleReminder.desc":"조건에 7일간 활동이 없을 때 한 번 알림","rwset.notifications.condition.inAppToast.label":"다음 방문 시 앱 내 알림","rwset.notifications.condition.inAppToast.desc":"포털을 열 때 표시되는 새 항목 수","rwset.notifications.condition.push.label":"푸시 알림","rwset.notifications.condition.push.desc":"PWA 푸시 (앱이 설치되어 있어야 함)","rwset.notifications.conditionDisabledTooltip":"대출 담당자가 이 채널을 활성화하지 않았습니다","rwset.notifications.conditionNotEnabled":"대출 담당자가 활성화하지 않음","rwset.notifications.noLoanNote":"아직 배정된 대출이 없습니다 — 환경설정은 저장되며 대출 담당자가 연결되면 적용됩니다.","rwset.notifications.saveStatus.saving":"저장 중…","rwset.notifications.saveStatus.saved":"{time}에 저장됨","rwset.notifications.saveStatus.failed":"저장 실패","rwset.notifications.saveStatus.upToDate":"최신 상태","rwdocs.statRequired":"필수","rwdocs.statUploaded":"업로드됨","rwdocs.statVerified":"확인됨","rwdocs.statTotalDocs":"전체 문서","rwdocs.tileShowingEverything":"전체 표시 중","rwdocs.tileShowAll":"전체 보기","rwdocs.tileFilteringTapToClear":"필터링 중 \xb7 탭하여 지우기","rwdocs.tileTapToFilter":"탭하여 필터링","rwdocs.smartUploadHeading":"스마트 업로드","rwdocs.smartUploadSubtitle":"어떤 파일이든 끌어다 놓으세요. 무엇인지 파악하여 알맞은 위치로 배치해 드립니다.","rwdocs.dropZoneHeading":"끌어다 놓거나 탭하여 찾아보기","rwdocs.dropZoneSubt

1itle":"한 개의 파일이든 여러 개든, 각 파일을 분류하고 라벨을 붙여 드립니다.","rwdocs.browseFiles":"파일 찾아보기","rwdocs.useCamera":"카메라 사용","rwdocs.supportsExtsMax":"{exts} 지원 \xb7 각 파일 최대 {size}MB","rwdocs.readingDocument":"문서를 읽는 중…","rwdocs.ocrClassifierHint":"OCR + 분류기 \xb7 보통 10~20초","rwdocs.cameraOverlayLabel":"문서를 프레임 안에 맞춰 주세요","rwdocs.backToDashboard":"대시보드로 돌아가기","rwdocs.documentCenter":"문서 센터","rwdocs.pageHeading":"대출 문서를 한곳에서","rwdocs.pageSubtitle":"급여명세서, 세금 신고서, 은행 명세서, 신분증을 업로드하세요. 모든 항목에 OCR을 적용하고 각 파일을 알맞은 위치로 보내드리므로 직접 라벨을 붙일 필요가 없습니다.","rwdocs.offlineBanner":"오프라인 상태입니다. 마지막으로 저장된 문서 목록을 표시 중이며 업로드는 일시 중지되었습니다.","rwdocs.cachedFrom":"{date} 기준 캐시됨","rwdocs.statusVerified":"확인됨","rwdocs.statusUploaded":"업로드됨","rwdocs.statusPending":"대기 중","rwdocs.statusReviewing":"검토 중","rwdocs.fileCountOne":"{count}개 파일","rwdocs.fileCountMany":"{count}개 파일","rwdocs.showingFilterOnly":"{filter}만 표시 중 \xb7 지우기 ✕","rwdocs.filterRequired":"필수","rwdocs.filterUploaded":"업로드됨","rwdocs.filterVerified":"확인됨","rwdocs.documentCollection":"문서 모음","rwdocs.collectedCount":"{total}개 중 {done}개 수집됨","rwdocs.sectionRequired":"필수","rwdocs.sectionStillNeeded":"아직 필요함","rwdocs.stillNeededHint":"한 번에 한 영역씩 — 섹션을 탭하여 펼치세요.","rwdocs.emptyNothingRequired":"여기에 남은 필수 항목이 없습니다","rwdocs.emptyAllCaughtUp":"모두 완료되었습니다","rwdocs.emptyOptionalItemsPrefix":"선택 항목이 아직 남아 있습니다 —","rwdocs.showEverything":"전체 보기","rwdocs.emptyOptionalItemsSuffix":".","rwdocs.emptyEveryDocIn":"목록에 있는 모든 문서가 제출되었습니다. 잘하셨습니다.","rwdocs.sectionVerified":"확인됨","rwdocs.sectionSubmitted":"제출됨","rwdocs.emptyNothingVerified":"아직 확인된 항목이 없습니다","rwdocs.emptyNoDocsUploaded":"아직 업로드된 문서가 없습니다","rwdocs.emptyVerifiedDescription":"대출 담당팀이 확인을 완료하면 문서가 여기에 표시됩니다.","rwdocs.emptyNoDocsDescription":"위의 스마트 업로드 영역에 파일을 끌어다 놓으세요. 자동으로 분류하여 알맞은 위치로 보내드립니다.","rwdocs.readyToSubmit":"제출 준비 완료","rwdocs.requiredRemainingOne":"필수 항목 {count}개 남음","rwdocs.requiredRemainingMany":"필수 항목 {count}개 남음","rwdocs.submitHeadingReady":"검토를 위해 파일을 제출하세요","rwdocs.submitHeadingAlmost":"거의 다 됐습니다","rwdocs.submitDescriptionReady":"제출하시면 대출 담당자가 파일을 검토한 후 대출기관에 제출합니다.","rwdocs.submitDescriptionAlmost":"위에서 남은 필수 항목을 업로드하세요. 완료되면 버튼이 자동으로 활성화됩니다.","rwdocs.submitting":"제출 중…","rwdocs.submitApplication":"신청서 제출","rwdocs.askVeraLabel":"아직 필요한 문서가 무엇인지 Breeze에게 문의하세요","rwdocs.askVeraPrompt":"아직 업로드해야 할 문서가 무엇이고 각 문서의 용도가 무엇인지 이해할 수 있도록 도와주세요.","rwdocs.modalMismatchTitle":"불일치 가능성이 감지되었습니다","rwdocs.cancel":"취소","rwdocs.proceedAnyway":"그래도 계속하기","rwdocs.modalLabelFile":"파일","rwdocs.modalLabelTargeting":"대상 위치","rwdocs.modalLabelDetected":"감지됨","rwdocs.noFilesUploaded":"업로드된 파일 없음","rwdocs.documentFallback":"문서","rwdocs.toastScanning":"{count}개 문서를 스캔하는 중...","rwdocs.toastProcessedOne":"{count}개 문서를 성공적으로 처리했습니다.","rwdocs.toastProcessedMany":"{count}개 문서를 성공적으로 처리했습니다.","rwdocs.toastCouldNotIdentify":"업로드된 파일ì

1„ 식별할 수 없습니다. 특정 카테고리에 수동으로 업로드해 주세요.","rwdocs.toastAnalyzing":"문서 분석 중...","rwdocs.toastUploadSuccess":"문서가 성공적으로 업로드되었습니다.","rwdocs.toastUploadError":"문서 처리 중 오류가 발생했습니다.","rwdocs.toastUploadCancelled":"업로드가 취소되었습니다","rwdocs.toastSubmitFailed":"신청서 제출에 실패했습니다. 다시 시도해 주세요.","rwdocs.issueTypeMismatch":"이 파일은 {detected}로 보이지만(신뢰도 {confidence}%), {target}에 업로드하고 있습니다.","rwdocs.issueLastNameNotFound":'문서에서 대출자의 성 "{lastName}"을(를) 찾을 수 없습니다.',"rwdocs.issueDobMismatch":"생년월일 불일치: 신청서에는 {appDob}, 이 신분증에는 {idDob}로 되어 있습니다.","rwdocs.issueIncomeMismatch":"소득 불일치: 급여명세서에는 월 약 ${detected}로 나오지만, 신청서에는 월 ${reported}로 되어 있습니다.","fxhero.clickAnyStepBelow":"아래의 단계를 클릭하세요","fxhero.onTrack":"모든 것이 정상적으로 진행되고 있습니다.","fxcompliance.loading":"신청 상태를 확인하는 중…","fxcompliance.heading":"신청 상태","fxcompliance.footerNote":"궁금한 점이 있으신가요? 규정 준수 관련 구체적인 사항은 브로커에게 문의하시는 것이 가장 좋습니다.","fxcompliance.label.hoepa":"연방 한도 내 가격 책정","fxcompliance.label.state_high_cost":"주 한도 내 가격 책정","fxcompliance.label.atr":"모든 서류 확인 완료","fxcompliance.label.ofac":"신원 확인 완료","fxcompliance.detail.hoepa.PASS":"귀하의 대출 가격은 연방 고비용 한도 내에 있습니다.","fxcompliance.detail.hoepa.ATTENTION":"브로커가 가격 구조를 검토하고 있습니다.","fxcompliance.detail.hoepa.FAIL":"브로커가 연방 한도를 충족하도록 가격을 조정할 것입니다.","fxcompliance.detail.hoepa.UNKNOWN":"가격이 확정될 때 확인됩니다.","fxcompliance.detail.state_high_cost.PASS":"귀하의 대출 가격은 주 한도 내에 있습니다.","fxcompliance.detail.state_high_cost.ATTENTION":"귀하의 대출은 추가적인 주별 공시가 필요할 수 있으며, 브로커가 이를 처리할 것입니다.","fxcompliance.detail.state_high_cost.FAIL":"주 한도 문제 — 브로커가 조정할 것입니다.","fxcompliance.detail.state_high_cost.UNKNOWN":"가격이 확정될 때 확인됩니다.","fxcompliance.detail.atr.PASS":"필요한 모든 소득, 고용 및 자산 서류가 보관되어 있습니다.","fxcompliance.detail.atr.ATTENTION":"일부 서류가 아직 누락되어 있습니다 — 대시보드를 확인하세요.","fxcompliance.detail.atr.FAIL":"일부 서류가 아직 누락되어 있습니다 — 대시보드를 확인하세요.","fxcompliance.detail.atr.UNKNOWN":"문서를 업로드하는 과정에서 확인됩니다.","fxcompliance.detail.ofac.PASS":"신원 확인이 완료되었습니다.","fxcompliance.detail.ofac.ATTENTION":"브로커가 확인 결과를 검토하고 있습니다.","fxcompliance.detail.ofac.FAIL":"브로커가 확인 결과를 검토하고 있습니다.","fxcompliance.detail.ofac.UNKNOWN":"신원 확인은 심사 전에 진행됩니다.","fxvera.online":"온라인","fxvera.text":"문자","fxvera.labelTextNumber":"문자 번호","fxvera.copyPhone":"전화번호 복사","fxvera.copyPhoneNumber":"전화번호 복사","fxvera.copyTextNumber":"문자 번호 복사","fxvera.copyEmail":"이메일 복사","fxvera.copyEmailAddress":"이메일 주소 복사","fxvera.newChat":"새 대화","fxvera.recentChats":"최근 대화","fxvera.noPastConversations":"아직 이전 대화가 없습니다.","fxvera.untitledChat":"제목 없는 대화","fxvera.archiveConversation":"대화 보관","fxvera.archive":"보관","fxvera.showLess":"간략히 보기","fxvera.viewMore":"더 보기 ({n})","fxvera.relJustNow":"방금","fxvera.relMinutesAgo":"{n}분 전","fxvera.relHoursAgo":"{n}시간 전","fxvera.relDaysAgo":"{n}일 전","fxvera.tryAsking":"이렇게 물어보세요","fxvera.suggestedNextSteps":"추천 다음 단계","fxvera.veraGenerating":"Breeze가 생성 중입니다…","fxvera.listening":"듣고 있습니다…","fxvera.askVeraAnything":"Breeze에게 무엇이든 물어보세요…","fxvera.connectionError":"연결 오류 — 잠시 후 다시 시도해 주세요.","fxvera.borrowerFooterDefault":"Breeze가 작동 방식을 설명해 드립니다 — 모든 내용은 여전히 브로커가 검토합니다.","fxvera.copied":"복사됨","fxvera.copiedBang":"복사되었습니다!","fxvera.copyMessage":"메시지 복사","fxvera.copy":"복사","fxvera.regenerateResponse":"응답 다시 생성","fxvera.regenerate":"다시 생성","fxvera.stopGenerating":"생성 중지","fxvera.stopGeneratingTitle":"생성 중지 (현재 응답은 유지됩니다)","fxvera.stop":"중지","fxvera.send":"보내기","fxdocs.effortOnHand":"보통 가지고 있음","fxdocs.effortDownload":"온라인에서 다운로드","fxdocs.effortPhoto":"사진 찍기","fxdocs.effortRequest":"요청해야 할 수 있음","fxdocs.chunkIdentityHeadline":"본인 확인하기","fxdocs.chunkIdentityBlurb":"신원 및 법적 항목 — 보통 가장 빨리 처리할 수 있습니다.","fxdocs.categoryIdentity":"신원 및 법적 사항","fxdocs.chunkIncomeHeadline":"소득 출처 보여주기","fxdocs.chunkIncomeBlurb":"돈이 들어오는 방식 — 급여, 세금 서식, 고용 정보.","fxdocs.categoryIncome":"소득 및 고용","fxdocs.chunkAssetsHeadline":"예금 보여주기","fxdocs.chunkAssetsBlurb":"계약금과 예비 자금이 어디에 있는지.","fxdocs.categoryAssets":"자산","fxdocs.chunkPropertyHeadline":"부동산 정보","fxdocs.chunkPropertyBlurb":"주택 및 이 특정 대출과 관련된 문서.","fxdocs.categoryProperty":"부동산 및 대출","fxdocs.chunkDisclosuresHeadline":"공시 및 동의","fxdocs.chunkDisclosuresBlurb":"검토하고 확인할 서식.","fxdocs.categoryDisclosures":"공시","fxdocs.chunkOtherHeadline":"추가 항목 몇 가지","fxdocs.chunkOtherBlurb":"귀하의 파일에 특정한 몇 가지 항목.","fxdocs.categoryOther":"기타","fxdocs.chunkProgress":"{total}개 중 {done}개 완료","fxdocs.chunkAllSet":"이 영역은 모두 완료되었습니다 — 수고하셨습니다. ✓","fxdocs.required":"필수","fxdocs.optional":"선택 사항","fxdocs.whereDoIGetThis":"이것은 어디서 받나요?","fxdocs.whatIsThis":"이것은 무엇인가요?","fxdocs.whatIsThisPrompt":'"{name}"을(를) 업로드해야 하는데 정확히 무엇인지, 어떻게 받는지 잘 모르겠습니다. 이 문서가 무엇인지, 제 대출에 왜 필요한지, 그리고 어디서 찾거나 요청할 수 있는지 안내해 주세요.',"fxdocs.askTheCoach":"코치에게 문의하기","fxdocs.upload":"업로드","fxdocs.actionLeLabel":"Loan Estimate v{version}","fxdocs.actionLeDesc":"금리, 월 상환액, 마감 비용을 검토한 후 진행 의사를 밝혀 주세요.","fxdocs.actionCdLabel":"Closing Disclosure v{version}","fxdocs.actionCdDesc":"최종 ì¡°ê±´ 및 마감 시 필요 현금. 연방법에 따라 서명 전 검토할 수 있는 영업일 3일이 주어집니다.","fxdocs.actionNocLabel":"Notice of Right to Cancel v{version}","fxdocs.actionNocDesc":"리파이낸스에만 해당됩니다. 마감 후 영업일 3일 이내에 취소하는 방법을 안내합니다.","fxdocs.actionEsignLabel":"전자 서명 요청됨","fxdocs.actionEsignDesc":"문ì

1„œê°€ {date}에 발송되었습니다. 공시 포털에서 서명 링크를 열거나 제공업체의 이메일 링크를 사용하세요.","fxstages.stage.application":"신청","fxstages.stage.pricing":"가격 책정","fxstages.stage.processing":"처리","fxstages.stage.underwriting":"심사","fxstages.stage.conditions":"ì¡°ê±´","fxstages.stage.closing":"마감","fxstages.nav.previousStage":"이전 단계","fxstages.nav.nextStage":"다음 단계","fxstages.nav.loanStages":"대출 단계","fxstages.nav.ofTotal":"{total}개 중","fxstages.nav.stageLabel":"{n}단계: {name}","fxstages.nav.swipeOffTap":"스와이프 꺼짐 \xb7 탭하여 활성화","fxstages.nav.swipeOnTap":"스와이프 켜짐 \xb7 탭하여 비활성화","fxstages.nav.completeApp":"신청서를 작성하세요","fxstages.nav.completeAppUnlock":"다른 단계를 잠금 해제하려면 신청서를 작성하세요","fxstages.nav.unlockSwipeAria":"스와이프 탐색 잠금 해제","fxstages.nav.lockSwipeAria":"스와이프 탐색 잠금","fxstages.nav.lockedTitle":"잠김 — 탭하여 스와이프 잠금 해제","fxstages.nav.swipeActiveTitle":"스와이프 활성 — 탭하여 잠금","fxstages.nav.locked":"잠김","fxstages.nav.swipeActive":"스와이프 활성","fxstages.nav.showTutorial":"탐색 튜토리얼 표시","fxstages.nav.swipeLeft":"왼쪽으로 스와이프","fxstages.nav.nextStep":"다음 단계","fxstages.nav.skipAhead":"건너뛰기","fxstages.nav.swipeTo":"{stage}(으)로 스와이프","fxstages.tutorial.title":"스와이프하여 탐색","fxstages.tutorial.intro":"왼쪽이나 오른쪽으로 스와이프하여 단계 간에 이동할 수 있습니다.","fxstages.tutorial.bodyDesktop":"오른쪽 상단의 잠금/잠금 해제 토글을 사용하여 언제든지 스와이프를 활성화하거나 비활성화할 수 있습니다.","fxstages.tutorial.bodyMobile":"잠금/잠금 해제 스와이프 토글을 사용하여 언제든지 스와이프를 활성화하거나 비활성화하세요 — 또는 뒤로 및 다음 버튼을 탭하면 됩니다.","fxstages.tutorial.gotIt":"확인했습니다!","fxstages.preview.bannerTitle":"대출자 포털 미리보기 \xb7 {name}","fxstages.preview.veraPrompt":"제 대출의 다음 단계와 제가 집중해야 할 사항을 안내해 주세요.","fxstages.app.step":"1단계: 신청","fxstages.app.titleLine1Complete":"신청서","fxstages.app.titleLine1Fresh":"시작하세요","fxstages.app.titleLine1Partial":"마무리합시다","fxstages.app.titleLine2Complete":"제출됨","fxstages.app.titleLine2Fresh":"신청서","fxstages.app.titleLine2Partial":"신청서를","fxstages.app.subtitleComplete":"신청서를 받았으며 처리를 위해 준비하고 있습니다.","fxstages.app.subtitleFresh":"표준 1003 모기지 양식을 안내해 드리겠습니다. 약 15분 소요됩니다.","fxstages.app.subtitlePartial":"일부 작성이 완료되었습니다. 대출 옵션을 잠금 해제하려면 몇 가지 세부 정보만 더 입력하면 됩니다.","fxstages.app.formStatus":"양식 상태","fxstages.app.documentSystem":"문서 시스템","fxstages.app.docSystemReady":"준비 및 활성화됨","fxstages.app.docSystemInit":"초기화 중...","fxstages.app.complete1003":"1003 작성","fxstages.app.review1003":"1003 검토","fxstages.app.viewLiveRates":"실시간 금리 보기","fxstages.app.actionRequired":"조치 필요","fxstages.app.actionRequiredMissing":"조치 필요: 정보 누락","fxstages.app.missingCountOne":"처리 전 누락된 항목 {n}개.","fxstages.app.missingCountMany":"처리 전 누락된 항목 {n}개.","fxstages.app.countLeft":"{n}개 남음","fxstages.app.fill":"입력","fxstages.app.fillOutHere":"여기에 입력","fxstages.app.liveRateOptions":"실시간 금리 옵션","fxstages.app.liveRateOptionsSub":"신용 프로필 및 대출 금액 기준","fxstages.app.product":"상품","fxstages.app.maxLtv":"최대 LTV","fxstages.app.lockThisRate":"이 금리 고정","fxstages.app.rateSelectedTitle":"금리 선택됨","fxstages.app.rateSelectedMsg":"{rate}% 금리를 선택했습니다. 브로커가 확인 후 고정합니다.","fxstages.app.saveErrorTitle":"저장 오류","fxstages.app.saveErrorMsg":"금리 선택을 저장하지 못했습니다.","fxstages.pricing.step":"2단계: 가격 책정","fxstages.pricing.talkTitle":"금리에 대해 이야기해 봅시다","fxstages.pricing.talkBody":"금리는 귀하의 전체 재무 상황에 따라 결정되며 매일 시장에 따라 변동됩니다. 대출 담당자가 대주와 함께 대출 금리를 산정하고 실제 옵션을 안내해 드리며, Loan Estimate에 금리가 서면으로 명시됩니다.","fxstages.pricing.talkToLo":"대출 담당자와 상담하기","fxstages.pricing.liveRatesTitle":"실시간 금리","fxstages.pricing.liveRatesSub":"거래하는 모든 도매 대주의 실시간 가격이며, 실제로 자격이 되는 항목으로 이미 필터링되어 있습니다.","fxstages.pricing.openFullPage":"전체 가격 페이지 열기","fxstages.pricing.noAccess":"이 대출에 접근할 수 없습니다.","fxstages.pricing.failedToLoad":"가격을 불러오지 못했습니다.","fxstages.pricing.loadingRates":"대주로부터 실시간 금리를 가져ì˜

1¤ëŠ” 중…","fxstages.pricing.noAccessTitle":"이 대출에 접근할 수 없습니다","fxstages.pricing.didntLoadTitle":"가격을 불러오지 못했습니다","fxstages.pricing.missingCreditScore":"신용 점수 (브로커가 조회합니다)","fxstages.pricing.missingLoanAmount":"대출 금액 (신청서 6단계)","fxstages.pricing.missingPropertyValue":"부동산 가치 (신청서 6단계)","fxstages.pricing.missingOccupancy":"부동산 사용 방식 (6단계)","fxstages.pricing.missingLoanPurpose":"구매 또는 재융자 (6단계)","fxstages.pricing.missingPropertyType":"부동산 유형 (6단계)","fxstages.pricing.missingTitle":"먼저 몇 가지 세부 정보가 필요합니다","fxstages.pricing.missingSub":"이 항목들이 입력되면 실제 자격 금리를 보여드립니다.","fxstages.pricing.noProductsTitle":"현재 자격이 되는 상품이 없습니다","fxstages.pricing.noProductsBody":"등록된 대주 중 귀하의 상황에 맞는 상품이 없습니다. 브로커에게 문의하세요 — 추가 대주 프로그램을 검토할 수 있습니다.","fxstages.pricing.rateCountOne":"브로커의 대주 네트워크 전반에서 {n}개 금리","fxstages.pricing.rateCountMany":"브로커의 대주 네트워크 전반에서 {n}개 금리","fxstages.pricing.perMonth":"{amount}/월","fxstages.pricing.yourBestRate":"최적 금리","fxstages.pricing.onProduct":"{product} 기준","fxstages.pricing.lockNetwork":"{days}일 금리 고정 \xb7 브로커의 대주 네트워크 전반에서 조회","fxstages.pricing.monthlyPi":"월 P&I","fxstages.pricing.discountPoints":"할인 포인트","fxstages.pricing.none":"없음","fxstages.pricing.finalPrice":"최종 가격","fxstages.processing.required":"필수","fxstages.processing.optional":"선택 사항","fxstages.processing.aiPowered":"AI 기반 처리","fxstages.processing.edit1003App":"1003 신청서 편집","fxstages.processing.smartDocCenter":"스마트 문서 센터","fxstages.processing.dragDropSub":"파일을 아무 곳에나 끌어다 놓으세요. AI가 자동으로 분류하여 아래의 올바른 열로 정렬합니다.","fxstages.processing.infoReceived":"정보 수신됨","fxstages.processing.infoReceivedMsg":"보험 정보를 제공해 주셔서 감사합니다. 필요한 정확한 문서를 요청하기 위해 저희 팀이 연락드리겠습니다.","fxstages.processing.actionRequired":"조치 필요","fxstages.processing.homeownersInsurance":"주택 소유자 보험","fxstages.processing.asap":"최대한 빨리","fxstages.processing.insuranceIntro":"보험 대리인의 연락처를 알려주세요 — 마감이 지연되지 않도록 보험 명세서(declarations page)를 요청하겠습니다.","fxstages.processing.insCompanyLabel":"보험 회사","fxstages.processing.insCompanyAria":"주택 소유자 보험 회사","fxstages.processing.insCompanyPlaceholder":"State Farm, Allstate, Lemonade…","fxstages.processing.agentNameLabel":"대리인 성명","fxstages.processing.agentNamePlaceholder":"Jane Smith","fxstages.processing.agentEmailLabel":"대리인 이메일","fxstages.processing.agentEmailPlaceholder":"[email protected]","fxstages.processing.agentPhoneLabel":"대리인 전화번호","fxstages.processing.policyNumberLabel":"보험 증권 번호","fxstages.processing.quoteNumberLabel":"견적 번호","fxstages.processing.policyNumberPlaceholder":"증권 번호","fxstages.processing.quoteNumberPlaceholder":"견적 번호 (있는 경우)","fxstages.processing.submitInsurance":"보험 정보 제출","fxstages.processing.expertEyebrow":"막히셨나요? 사람에게 물어보세요.","fxstages.processing.expertBody":"대출 담당자나 면허를 보유한 브로커가 거의 모든 문서 관련 질문을 메시지 한 통으로 해결해 드립니다.","fxstages.processing.expertStat":"응답 속도는 정시 마감의 가장 큰 예측 지표입니다. 4시간 이내에 답변하면 대출이 평균 약 9일 더 빨리 마감됩니다.","fxstages.uw.step":"3단계: 심사","fxstages.uw.titleAiLine1":"AI 위험","fxstages.uw.titleAiLine2":"평가","fxstages.uw.titleLenderLine1":"대주","fxstages.uw.titleLenderLine2":"심사","fxstages.uw.lenderReviewsLead":"파일이 제출되면 대주의 심사 팀이 귀하의 파일ì

1„ 검토합니다.","fxstages.uw.lenderReviewsBody":"조건이나 검토 결과가 나오는 대로 여기와 ì¡°ê±´ 목록에 표시됩니다 — 지금 당장 하실 일은 없습니다.","fxstages.uw.analyzing":"데이터 분석 중...","fxstages.uw.cleanFile":"이상 없는 파일","fxstages.uw.cleanFileBody":"AI가 주요 위험 요소를 감지하지 못했습니다.","fxstages.uw.categoryReview":"{category} 검토","fxstages.uw.autoUwEstimate":"자동 심사 (추정치)","fxstages.uw.autoUwEstimateDesc":"모의 DU/LPA 방식 자격 추정을 실행합니다. 이는 1단계 휴리스틱이며 Fannie Mae 또는 Freddie Mac에 대한 실제 제출이 아닙니다.","fxstages.uw.runAusEstimate":"AUS 추정 실행 (모의)","fxstages.uw.ausFindings":"AUS ê²°ê³¼","fxstages.uw.ausDisclaimer":"모의 추정치이며 실제 Fannie Mae DU 또는 Freddie Mac LPA 결정이 아닙니다. 최종 자격은 심사 과정에서 대주의 AUS가 결정합니다.","fxstages.closing.clearToClose":"Clear to Close","fxstages.closing.congratulations":"축하합니다! 대출이 완전히 승인되었습니다.","fxstages.closing.finalSteps":"마지막 단계","fxstages.closing.finalVerification":"최종 확인 완료","fxstages.closing.cdSent":"Closing Disclosure 발송됨","fxstages.closing.pendingSigning":"대기 중: 서명 약속","fxstages.closing.downloadApproval":"승인서 다운로드","fxstages.closing.scheduleSigning":"서명 일정 잡기","fxstages.conditions.uploadRejected":"업로드 거부됨","fxstages.conditions.unknownError":"알 수 없는 오류","gxvera.welcomeCampaigns":"캠페인을 만들어 보겠습니다.","gxvera.tabVera":"Breeze","gxvera.tabYourBroker":"내 브로커","gxvera.tabAssistant":"어시스턴트","gxvera.tabCampaigns":"캠페인","gxdocreq.nameId":"사진이 있는 신분증","gxdocreq.descId":"유효한 운전면허증, 주 신분증(State ID) 또는 여권","gxdocreq.nameSsCard":"사회보장카드(Social Security Card)","gxdocreq.descSsCard":"사회보장카드 사본","gxdocreq.nameGreenCard":"영주권(Green Card)","gxdocreq.descGreenCard":"영주권 카드(앞면 및 뒷면)","gxdocreq.nameVisa":"비자 / EAD","gxdocreq.descVisa":"유효한 비자 또는 취업허가서(EAD)","gxdocreq.nameI94":"I-94 기록","gxdocreq.descI94":"가장 최근의 I-94 입국/출국 기록","gxdocreq.nameItin":"ITIN 통지서","gxdocreq.descItin":"IRS ITIN 발급 통지서","gxdocreq.namePayStub":"급여 명세서","gxdocreq.descPayStub":"최근 30일간의 급여 명세서","gxdocreq.nameW2":"W-2 양식","gxdocreq.descW2":"최근 2년간의 W-2 명세서","gxdocreq.nameVoe":"재직 증명","gxdocreq.descVoe":"서면 또는 구두 VOE가 요청됩니다","gxdocreq.nameOfferLetter":"채용 제안서 / 계약서","gxdocreq.descOfferLetter":"새 직장의 서명된 채용 제안서 또는 고용 계약서","gxdocreq.namePersonalTaxReturn":"개인 세금 신고서(1040)","gxdocreq.descPersonalTaxReturn":"모든 부속 명세서(schedule)를 포함한 최근 2년간의 개인 세금 신고서","gxdocreq.nameBusinessLicense":"사업자 등록증","gxdocreq.descBusinessLicense":"현재 유효한 사업자 등록증 또는 등록","gxdocreq.nameProfitAndLoss":"연초 누계(YTD) 손익계산서","gxdocreq.descProfitAndLoss":"차입자가 서명한 연초 누계 손익계산서(P&L)","gxdocreq.nameBalanceSheet":"대차대조표","gxdocreq.descBalanceSheet":"현재 대차대조표","gxdocreq.nameBusinessTaxReturn":"사업체 세금 신고서","gxdocreq.descBusinessTaxReturn":"최근 2년간의 사업체 신고서(1120S, 1065) 및 K-1","gxdocreq.nameK1":"Schedule K-1","gxdocreq.descK1":"모든 사업체의 K-1","gxdocreq.nameCorporateLlc":"법인/LLC 서류","gxdocreq.descCorporateLlc":"정관/조직 설립 문서, 운영 계약서(Operating Agreement)","gxdocreq.namePensionStatement":"연금 지급 통지서","gxdocreq.descPensionStatement":"현재 연금 지급 통지서 또는 명세서","gxdocreq.nameForm1099R":"1099-R 양식","gxdocreq.descForm1099R":"최근 2년간의 1099-R 양식","gxdocreq.nameSsaAward":"SSA 지급 통

1지서","gxdocreq.descSsaAward":"현재 사회보장 지급 통지서","gxdocreq.nameDivorceDecreeOrder":"이혼 판결문 / 법원 명령","gxdocreq.descDivorceDecreeOrder":"지급 내용을 명시한 완전한 이혼 판결문 또는 법원 명령","gxdocreq.nameProofOfReceipt":"수령 증빙","gxdocreq.descProofOfReceipt":"최근 6개월간의 수령 증빙(은행 명세서 또는 결제 완료된 수표)","gxdocreq.nameLes":"LES(휴가 및 소득 명세서)","gxdocreq.descLes":"가장 최근의 휴가 및 소득 명세서(LES)","gxdocreq.nameScheduleE":"Schedule E(세금 신고서)","gxdocreq.descScheduleE":"세금 신고서에 Schedule E가 포함되어 있는지 확인하십시오","gxdocreq.nameLeaseAgreement":"현재 임대 계약서","gxdocreq.descLeaseAgreement":"모든 임대 부동산에 대한 현재 임대 계약서","gxdocreq.nameBankStatement":"은행 명세서","gxdocreq.descBankStatement":"모든 계좌에 대한 최근 2개월간의 전체 명세서(모든 페이지)","gxdocreq.nameVod":"예금 증명","gxdocreq.descVod":"대출 기관이 VOD를 요청할 수 있습니다","gxdocreq.nameAssetStatement":"투자/퇴직 계좌 명세서","gxdocreq.descAssetStatement":"가장 최근의 분기별 명세서","gxdocreq.nameRetirementWithdrawal":"퇴직 계좌 인출 ì¡°ê±´","gxdocreq.descRetirementWithdrawal":"퇴직 계좌의 인출 또는 대출 ì¡°ê±´","gxdocreq.nameGiftLetter":"증여 확인서(Gift Letter)","gxdocreq.descGiftLetter":"서명된 증여 확인서 및 이체 증빙","gxdocreq.nameClosingDisclosureSale":"클로징 공시서(Closing Disclosure, 매각)","gxdocreq.descClosingDisclosureSale":"매각된 자산의 클로징 공시서 또는 매매 증서(Bill of Sale)","gxdocreq.nameCryptoStatement":"암호화폐 계좌 명세서","gxdocreq.descCryptoStatement":"소유권을 보여주는 명세서 및 필요한 경우 현금화 증빙","gxdocreq.nameTrustAgreement":"신탁 계약서(Trust Agreement)","gxdocreq.descTrustAgreement":"전체 신탁 계약서 및 신탁 증명서(Certification of Trust)","gxdocreq.nameStockOption":"주식 매수 선택권 계약서","gxdocreq.descStockOption":"베스팅 일정 및 옵션 계약서","gxdocreq.nameMortgageStatement":"모기지 명세서","gxdocreq.descMortgageStatement":"보유 중인 모든 부동산에 대한 현재 명세서","gxdocreq.nameInsuranceDeclaration":"보험 증서(Declarations)","gxdocreq.descInsuranceDeclaration":"보유 중인 모든 부동산에 대한 주택소유자 보험 증권","gxdocreq.namePropertyTaxBill":"재산세 고지서","gxdocreq.descPropertyTaxBill":"보유 중인 모든 부동산에 대한 가장 최근의 재산세 고지서","gxdocreq.nameSalesContract":"매매 계약서(매각 진행 중)","gxdocreq.descSalesContract":"현재 매각이 진행 중인 부동산의 계약서","gxdocreq.nameRentRoll":"임대료 명세표(Rent Roll)","gxdocreq.descRentRoll":"다세대 투자 부동산에 대한 임대료 명세표","gxdocreq.namePurchaseContract":"매매 계약서(구매)","gxdocreq.descPurchaseContract":"모든 부록(addenda)을 포함한 완전히 체결된 매매 계약서","gxdocreq.nameEarnestMoney":"계약금(Earnest Money) 영수증","gxdocreq.descEarnestMoney":"계약금(earnest money)이 계좌에서 정산되었음을 보여주는 증빙","gxdocreq.nameInsuranceBinder":"주택소유자 보험 가계약서(Binder)","gxdocreq.descInsuranceBinder":"새 부동산에 대한 보험 가계약서(binder)","gxdocreq.namePayoffStatement":"대출 상환 명세서(Payoff Statement)","gxdocreq.descPayoffStatement":"재융자 대상 대출의 현재 상환 명세서","gxdocreq.nameMortgageNote":"현재 모기지 약속어음(Mortgage Note)","gxdocreq.descMortgageNote":"현재 모기지 약속어음 사본","gxdocreq.nameHomeInsuranceDeclaration":"주택 보험 증서(Declaration)","gxdocreq.descHomeInsuranceDeclaration":"해당 부동산에 대한 현재 보험 증권","gxdocreq.nameLoanEstimate":"대출 견적서(Loan Estimate)","gxdocreq.descLoanEstimate":"새 대출에 대한 대출 견적서(Loan Estimate)","gxdocreq.nameBuilderContract":"건설업체 계약서 / 설계도","gxdocreq.descBuilderContract":"건축 계약서 및 설계도","gxdocreq.nameCondoQuestionnaire":"콘도(Condo) 질의서","gxdocreq.descCondoQuestionnaire":"작성 완료된 콘도 질의서","gxdocreq.nameHo6Insurance":"HO-6 보험 증권","gxdocreq.descHo6Insurance":"내부(walls-in) 보장 증권","gxdocreq.nameBankruptcyDischarge":"파산 면책 서류","gxdocreq.descBankruptcyDischarge":"완전한 파산 면책 서류 및 명세서(schedule)","gxdocreq.nameLoeBankruptcy":"LOE - 파산","gxdocreq.descLoeBankruptcy":"파산 경위를 설명하는 서신","gxdocreq.nameJudgmentExplanation":"합의 증빙 / 설명서","gxdocreq.descJudgmentExplanation":"소송/판결에 대한 이행 증빙 또는 설명서","gxdocreq.nameLoeFederalDebt":"LOE - 연방 채무","gxdocreq.descLoeFederalDebt":"연체된 연방 채무에 대한 설명서","gxdocreq.nameSeparationAgreement":"별거 합의서","gxdocreq.descSeparationAgreement":"법적 별거 합의서","gxdocreq.nameChildSupportOrder":"자녀 양육비 / 배우자 부양비 명령","gxdocreq.descChildSupportOrder":"의무 사항을 상세히 기재한 법원 명령","gxdocreq.nameDivorceDecree":"이혼 판결문","gxdocreq.descDivorceDecree":"해당 의무를 언급한 이혼 판결문","gxdocreq.nameDd214":"DD-214","gxdocreq.descDd214":"현역 복무 해제 또는 전역 증명서","gxdocreq.nameVaCoe":"VA 자격 증명서(Certificate of Eligibility)","gxdocreq.descVaCoe":"VA 대출 자격 증명서","gxdocreq.nameStatementOfService":"복무 확인서(Statement of Service)","gxdocreq.descStatementOfService":"지휘관이 발급한 복무 확인서","gxdocreq.nameFhaAmendatory":"FHA 수정 조항(Amendatory Clause)","gxdocreq.descFhaAmendatory":"서명된 FHA 수정 조항","gxdocreq.nameRealEstateCert":"부동산 증명서(Real Estate Certification)","gxdocreq.descRealEstateCert":"서명된 부동산 증명서","gxdocreq.nameVaAnalysis":"VA 대출 분석","gxdocreq.descVaAnalysis":"VA 대출 분석 워크시트","gxdocreq.nameResidualIncome":"잔여 소득 워크시트(Residual Income)","gxdocreq.descResidualIncome":"VA 잔여 소득 워크시트","gxdocreq.nameUsdaIncome":"USDA 소득 워크시트","gxdocreq.descUsdaIncome":"USDA 자격 소득 워크시트","gxdocreq.categoryIdentity":"신원 및 법률","gxdocreq.categoryIncome":"소득 및 고용","gxdocreq.categoryAssets":"자산","gxdocreq.categoryProperty":"부동산 및 대출","gxdocreq.categoryDisclosures":"공시 문서(Disclosures)","gxdocreq.categoryOther":"기타","gxdocreq.countOfTotal":"{total}개 중 {completed}개","gxdocreq.statusVerified":"확인 완료","gxdocreq.statusInReview":"검토 중","gxdocreq.statusRequired":"필수","gxdocreq.removeFile":"파일 삭제","gxdocreq.scanning":"스캔 중…","gxdocreq.saved":"저장됨","gxdocreq.awaitingVerification":"확인 대기 중","gxdocreq.dragDropOrClick":"끌어다 놓거나 클릭하세요","gxdocreq.replace":"교체","gxdocreq.upload":"업로드","gxvalidate.title.ethnicity":"민족 정보 필수","gxvalidate.msg.ethnicity":'민족을 선택하거나 "제공하고 싶지 않습니다"를 선택해야 합니다.',"gxvalidate.title.sex":"성별 정보 필수","gxvalidate.msg.sex":'성별을 선택하거나 "제공하고 싶지 않습니다"를 선택해야 합니다.',"gxvalidate.title.race":"인종 정보 필수","gxvalidate.msg.race":'인종을 하나 이상 선택하거나 "제공하고 싶지 않습니다"를 선택해야 합니다.',"gxvalidate.title.declarations":"신고 항목 미완료","gxvalidate.msg.declarations":"모든 신고 질문에 답해야 합니다. 미응답: {count}.","gxvalidate.title.consent":"동의 필수","gxvalidate.msg.consent":"다음에 동의해야 합니다: {items}.","gxvalidate.consentItem.terms":"서비스 약관","gxvalidate.consentItem.esign":"E-Sign 전자 서명 동의","gxvalidate.consentItem.creditAuth":"신용 조회 동의","gxfiledrop.readingDocument":"문서를 읽는 중","gxfiledrop.classifyingSubtitle":"유형을 분류하고 데이터를 추출하여 올바른 열로 정리하는 중입니다.","gxfiledrop.step.Scan":"스캔","gxfiledrop.step.Classify":"분류","gxfiledrop.step.Extract":"추출","gxfiledrop.step.Route":"분류 이동","gxfiledrop.gotIt":"확인","gxfiledrop.gotNFiles":"{count}개 파일 수신됨","gxfiledrop.autoSortedCount":"{total}개 중 {sorted}개가 올바른 열로 자동 정리되었습니다.","gxfiledrop.statusSorted":"정리됨","gxfiledrop.statusIdentified":"식별됨","gxfiledrop.statusNeedsReview":"검토 필요","gxfiledrop.savedToPrefix":"저장된 위치: ","gxfiledrop.savedToSuffix":".","gxfiledrop.looksLikePrefix":"이것은 다음과 비슷해 보입니다: ","gxfiledrop.looksLikeSuffix":". 올바른 칸에 끌어다 놓아 주세요.","gxfiledrop.unrecognized":"이것이 무엇인지 식별할 수 없습니다. 아래의 특정 칸으로 끌어다 놓아 주세요.","gxfiledrop.aiConfidenceLabel":"AI 신뢰도:","gxfiledrop.imageClarityLabel":"이미지 선명도:","gxfiledrop.discrepancyHeading":"{category} 불일치","gxfiledrop.category.INCOME":"소득","gxfiledrop.category.IDENTITY":"신원","gxfiledrop.category.ASSETS":"자산","gxfiledrop.category.PROPERTY":"부동산","gxfiledrop.category.FRAUD":"사기","gxfiledrop.makeAChange":"변경하기","gxfiledrop.processing":"처리 중...","gxfiledrop.autoCorrect":"자동 수정","gxfiledrop.selectMoreFiles":"파일 더 선택","gxfiledrop.uploadDocuments":"문서 업로드","gxfiledrop.dragDropPrefix":"끌어다 놓기: ","gxfiledrop.dragDropPdfs":"PDF","gxfiledrop.dragDropMid":" 또는 ","gxfiledrop.dragDropImages":"이미지","gxfiledrop.dragDropSuffix":" 아무 곳에나, 또는 클릭하여 찾아보기.","gxfiledrop.aiAutoClassifies":"AI가 각 파일ì

1„ 자동으로 분류하고 올바른 열로 정리합니다.","gxfiledrop.chip.Paystubs":"급여 명세서","gxfiledrop.chip.W-2s":"W-2","gxfiledrop.chip.Bank Statements":"은행 거래 명세서","gxfiledrop.chip.IDs":"신분증","gxfiledrop.chip.Tax Returns":"세금 신고서","gxfiledrop.toastFilesEmpty":"{count}개 파일이 비어 있는 것으로 보입니다 — 다시 내보낸 후 재시도해 주세요.","gxfiledrop.toastActionableItems":"AI 프로세서가 {file}에서 처리 가능한 항목 {count}개를 발견했습니다.","gxfiledrop.toastAutoClearedOne":"조치 항목 1개가 자동으로 해결됨: {titles}","gxfiledrop.toastAutoClearedMany":"조치 항목 {count}개가 자동으로 해결됨: {titles}","gxfiledrop.toastAutoClearedMore":" (+{count}개 더)","gxfiledrop.toast1003Updated":"1003 신청서가 성공적으로 업데이트되었습니다.","gxfiledrop.toastLoeSent":"LOE 요청이 차용인 포털로 전송되었습니다.","gxfiledrop.toastAppraisalCreated":"감정 평가 작업이 생성되었습니다.","gxfiledrop.toastActionFailed":"작업을 실행하지 못했습니다.","gxfiledrop.toast1003FromDoc":"문서를 기반으로 1003이 업데이트되었습니다.","r4stage.application.label":"신청","r4stage.application.headline":"1003 양식을 작성하셨습니다 — 대출이 공식적으로 시작되었습니다.","r4stage.application.whatHappens":"대출 담당자가 신청 데이터를 받아 초기 점검을 진행합니다: 신원 확인(Socure / OFAC), 신용 조회 승인, 그리고 대출 조건을 설정하기 위한 대략적인 자격 산정입니다. 아직 확정된 것은 없습니다.","r4stage.application.typicalDuration":"보통 당일 처리됩니다 — 제출 후 몇 시간 내에 브로커가 검토합니다.","r4stage.application.prepare.0":"최근 2년간의 W-2와 급여 명세서를 준비해 두세요 — 대부분의 대출 기관이 다음 단계에서 이를 요청합니다.","r4stage.application.prepare.1":"자영업자인 경우 2년간의 개인 및 사업 세금 신고서와 Schedule C / K-1을 준비하세요.","r4stage.application.prepare.2":"최근 60일간의 모든 은행, 증권, 퇴직 계좌 명세서를 모아 두세요.","r4stage.application.prepare.3":"정부 발급 사진 신분증 — 운전면허증 또는 여권.","r4stage.application.gotchas.0":"은행 명세서와 1003 양식 간 주소 불일치 — 권원 보험 회사가 이를 지적합니다.","r4stage.application.gotchas.1":'직접 입금이 아닌 최근 입금된 큰 금액 — 심사자는 "출처" 확인서를 요구합니다.',"r4stage.application.gotchas.2":"최근 2년 내 직장 변경 — 이전 고용주의 채용 제안서 / W-2를 준비하세요.","r4stage.priced.label":"가격 책정","r4stage.priced.headline":"금리와 프로그램이 선택되었습니다(그리고 고정되었을 수 있습니다).","r4stage.priced.whatHappens":"브로커가 대출 기관 네트워크 전반에 걸쳐 여러 시나리오를 검토하여 귀하의 서류에 가장 적합한 금리, 포인트, 대출 기관의 조합을 선택합니다. 시장이 변동하는 경우 언제 금리를 고정할지 논의하며, 일단 고정되면 금리는 보통 30 / 45 / 60일 동안 유지됩니다.","r4stage.priced.typicalDuration":"금리 고정 결정: 신청 후 1~3일. 고정 자체는 보통 30~60일간 유효합니다.","r4stage.priced.prepare.0":"일정을 파악하세요 — 금리 고정 기간이 길수록 비용이 더 듭니다. 따라서 60일 고정이 30일 고정보다 비쌉니다.","r4stage.priced.prepare.1":"금리를 낮추기 위해 포인트를 지불할지 결정하세요. 대출자 포털의 금리 인하 계산기를 이용하세요.","r4stage.priced.prepare.2":'아직 고정할 준비가 되지 않았다면 브로커에게 "플로트다운" 옵션을 문의하세요 — 소액의 수수료를 지불하면 시장이 하락할 때 더 낮은 금리로 다시 고정할 수 있습니다.',"r4stage.priced.gotchas.0":"금리 고정 만료 기한: 대출이 고정 기간을 놓치면 현재 시장 기준으로 가격이 재책정되며, 이는 더 불리할 수 있습니다.","r4stage.priced.gotchas.1":"금리표는 매일(때로는 하루 중에도

1) 변경됩니다. 월요일에 들은 금리가 화요일 아침에는 없을 수 있습니다.","r4stage.priced.gotchas.2":"금리 고정 후 대출 기관을 변경하려면 일반적으로 기존 고정을 해제하고 새 대출 기관과 다시 고정해야 하며, 보통 수수료가 발생합니다.","r4stage.leIssued.label":"LE 발급됨","r4stage.leIssued.headline":"연방 대출 견적서(Loan Estimate)가 전달되었습니다(규정된 3일 기한).","r4stage.leIssued.whatHappens":'연방법(TRID)은 "완전한 신청서"가 접수된 후 영업일 기준 3일 이내에 대출 기관이 대출 견적서를 발급하도록 요구합니다. LE에는 금리, 월 상환액, 모든 마감 비용, 그리고 마감 시 필요한 현금이 표시됩니다. 여러 곳을 비교 중이라면 다른 대출 기관과 비교할 기회가 됩니다.',"r4stage.leIssued.typicalDuration":"신청 후 영업일 기준 3일 이내에 발급됩니다. 대출자는 응답하거나 비교할 수 있는 영업일 기준 10일의 시간이 있습니다.","r4stage.leIssued.prepare.0":"LE를 주의 깊게 읽으세요 — 1페이지에는 대출 조건이, 2페이지에는 마감 비용 세부 내역이 있습니다.","r4stage.leIssued.prepare.1":"다른 대출 기관의 LE와 비교하세요. 연방 규정 형식 덕분에 동일 기준으로 비교할 수 있습니다.","r4stage.leIssued.prepare.2":"LE를 보관하세요 — 나중에 받을 마감 명세서(Closing Disclosure)는 허용 오차 범위 내에서 LE와 일치해야 합니다.","r4stage.leIssued.gotchas.0":"일부 마감 비용(대출 기관 수수료)은 오차 허용이 없습니다 — LE와 CD 사이에 인상될 수 없습니다.","r4stage.leIssued.gotchas.1":"기타 비용(등기, 권원)은 10%의 허용 오차 범위가 있습니다.","r4stage.leIssued.gotchas.2":'"3ì°¨ 공시" 사유(금리 변동 > 0.125%, 대출 프로그램 변경)는 영업일 기준 3일 카운트를 다시 시작합니다.',"r4stage.ausRun.label":"AUS","r4stage.ausRun.headline":"자동 심사(DU 또는 LP)가 실행되었습니다 — 이것이 대출 기관의 통과 관문입니다.","r4stage.ausRun.whatHappens":'귀하의 서류는 Fannie Mae의 Desktop Underwriter(DU) 또는 Freddie Mac의 Loan Prospector(LP)를 통해 처리됩니다. 시스템은 "findings" 보고서를 반환합니다: APPROVE / ELIGIBLE / REFER / REFER WITH CAUTION, 그리고 충족해야 할 ì¡°ê±´ 목록도 함께 제공됩니다.',"r4stage.ausRun.typicalDuration":"AUS 실행 자체: 몇 분. 그로 인한 조건을 해결하는 데에는 서류 가용성에 따라 1~3주가 걸립니다.","r4stage.ausRun.prepare.0":"브로커가 findings를 공유하면 읽어보세요 — ì¡°ê±´ 목록이 마감까지의 로드맵입니다.","r4stage.ausRun.prepare.1":"대부분의 조건은 지금 바로 업로드할 수 있는 서류입니다(급여 명세서, 명세서, 신분증).","r4stage.ausRun.prepare.2":"일부 조건은 설명입니다 — 연체 납입, 큰 금액 입금 등에 대한 설명서(Letter of Explanation). 포털에는 작성을 도와주는 Breeze 지원 작성 도구가 있습니다.","r4stage.ausRun.gotchas.0":'"Refer"는 거절을 의미하지 않습니다 — 심사자의 수동 검토를 의미합니다. 비전통적 소득에서 흔히 발생합니다.',"r4stage.ausRun.gotchas.1":"조건을 해결해 나가면서 AUS를 다시 실행할 수 있습니다 — 때로는 두 번째 실행에서 REFER에서 APPROVE로 상향되기도 합니다.","r4stage.ausRun.gotchas.2":"금리/가격이 변경되면 Fannie 또는 Freddie의 적격성이 진행 도중에 바뀔 수 있습니다. 브로커가 이를 주시합니다.","r4stage.submitted.label":"제출됨","r4stage.submitted.headline":"귀하의 전체 서류가 사람에 의한 심사를 위해 대출 기관에 전달되었습니다.","r4stage.submitted.whatHappens":'브로커는 신청서, 모든 서류, AUS findings, 그리고 ë³´ì¡° LOE를 "제출 패키지"로 묶어 대출 기관의 심사 부서에 보냅니다. 실제 심사자가 한 줄씩 검토합니다. 조건부 승인을 받을 수 있으며(가장 일반적), 이는 마감 전에 해결해야 할 추가 항목을 의미합니다.',"r4stage.submitted.typicalDuration":"ì´

1ˆê¸° 결정은 보통 영업일 기준 3~7일이 걸립니다. 조건부 승인이 일반적이며, 해당 조건을 해결하는 데 추가로 1~2주가 걸립니다.","r4stage.submitted.prepare.0":"연락이 닿을 수 있도록 하세요 — 심사자가 24~48시간 내에 빠른 답변이 필요한 후속 질문을 할 수 있습니다.","r4stage.submitted.prepare.1":"큰 구매를 하거나 새 신용 한도를 개설하지 마세요. 심사자는 마감 전에 신용을 다시 조회하며, 새 자동차 대출은 DTI를 급등시킬 수 있습니다.","r4stage.submitted.prepare.2":"가능하면 직장이나 소득원을 변경하지 마세요.","r4stage.submitted.gotchas.0":"심사 처리 시간은 대출 기관마다 크게 다릅니다 — 어떤 곳은 24시간, 어떤 곳은 영업일 기준 7~10일입니다.","r4stage.submitted.gotchas.1":"대출 기관은 때때로 마감 10일 이내에 고용을 재확인(VOE)합니다 — 사직 통보를 했다면 그것을 알아챕니다.","r4stage.submitted.gotchas.2":"세금 신고서 불일치(신고서상 소득 대 급여 명세서)가 종종 이 단계에서 드러납니다. 설명할 준비를 하세요.","r4stage.cdIssued.label":"CD 발급됨","r4stage.cdIssued.headline":"마감 명세서(Closing Disclosure)가 전달되었습니다 — 연방법이 요구하는 최종 수치 문서입니다.","r4stage.cdIssued.whatHappens":"연방법(TRID)은 마감 최소 영업일 기준 3일 전에 CD를 받도록 요구합니다. CD는 수치가 확정된 LE의 최종 버전입니다. 이를 LE와 비교하며, 허용 오차 범위를 벗어난 항목은 시정 또는 재공시가 필요합니다.","r4stage.cdIssued.typicalDuration":"CD는 마감 최소 영업일 기준 3일 전에 발급됩니다. 대부분의 대출자는 마감 5~7일 전에 받습니다.","r4stage.cdIssued.prepare.0":"CD를 LE와 나란히 비교하세요. 2페이지가 마감 비용 세부 내역입니다.","r4stage.cdIssued.prepare.1":"1페이지의 마감 시 필요 현금을 확인하세요 — 마감일에 송금해야 할 정확한 금액입니다.","r4stage.cdIssued.prepare.2":"3일 숙고 기간 동안 재정에 어떠한 변경도 하지 마세요 — 재공시를 유발하고 3일 카운트를 다시 시작시킵니다.","r4stage.cdIssued.gotchas.0":"중대한 변경(대출 프로그램, APR 상승 > 0.125%)은 3일 카운트를 다시 시작시킵니다. 마감일이 미뤄집니다.","r4stage.cdIssued.gotchas.1":"사소한 변경(오타 수정, 경미한 수수료 조정)은 카운트를 다시 시작시키지 않습니다 — 하지만 큰 변경은 그렇습니다.","r4stage.cdIssued.gotchas.2":"CD의 마감 시 필요 현금은 정확한 금액입니다. ê·¸ 정확한 금액을 송금하세요. 반올림하지 마세요.","r4stage.signed.label":"서명됨","r4stage.signed.headline":"마감 패키지에 서명하셨습니다 — 약속어음(Note), 신탁증서(Deed of Trust), CD 확인서.","r4stage.signed.whatHappens":"마감일입니다. 60~100페이지의 서류에 서명합니다 — 약속어음(상환 약속), 신탁증서(주택에 대한 담보권), CD 확인서, 그리고 각종 공시 서류입니다. 권원 보험 회사에서 대면으로 진행하거나 원격(RON — 원격 온라인 공증)으로 진행할 수 있습니다. 구매 대출의 경우 매도인이 동시에 서명합니다.","r4stage.signed.typicalDuration":"서명 약속: 60~90분. 서명에서 자금 지급까지는 당일이거나 재융자의 경우 며칠이 걸릴 수 있습니다.","r4stage.signed.prepare.0":"정부 발급 사진 신분증을 지참하세요. 공동 대출자는 각자 본인의 신분증이 필요합니다.","r4stage.signed.prepare.1":"마감 시 필요 현금을 송금하거나 보증 수표를 지참하세요 — 권원 보험 회사는 보통 개인 수표를 받지 않습니다.","r4stage.signed.prepare.2":"약속을 위해 60~90분을 확보하세요. 서명하는 내용을 읽으세요 — 그렇게 할 권리가 있습니다.","r4stage.signed.gotchas.0":"송금 사기: 송금 지침은 항상 직접 독립적으로 확인한 전화번호로 전화하여 구두로 확인하세요. 이메일 기반 송금 지침은 흔히 위조됩니다.","r4stage.signed.gotchas.1":"재융자의 경우 연방법은 3일간의 철회권을 부여합니다 — 서명 후 영업일 기준 3일 이내에 취소하고 되돌릴 수 있습니다.","r4stage.signed.gotchas.2":"구매의 경우 서명 후에도 자금 지급이 완료(다음 단계)될 때까지는 일반적으로 주택에 입주하지 못합니다.","r4stage.funded.label":"자금 지급 완료","r4stage.funded.headline":"대출금이 지급되었습니다 — 주택이 공식적으로 귀하의 소유가 되었습니다 / 재융자가 완료되었습니다.","r4stage.funded.whatHappens":"대출 기관이 대출금을 권원 보험 회사에 송금하면, 권원 보험 회사는 이를 매도인에게 지급(구매)하거나 기존 모기지를 상환(재융자)합니다. 자금 수령이 확인되면 권원 보험 회사가 새 증서와 모기지를 카운티에 등기합니다. 귀하는 열쇠를 받거나(구매) 기존 대출이 정리됩니다(재융자).","r4stage.funded.typicalDuration":"구매의 경우: 서명 후 당일 또는 다음 날. 재융자의 경우: 보통 서명 후 영업일 기준 3일 후에 지급됩니다(철회권 기간).","r4stage.funded.prepare.0":"마감 패키지를 보관하세요 — 디지털 및 종이 사본을 모두 보관하세요. 세금(마감 비용 공제 가능성)ê³¼ 향후 재융자 시 필요합니다.","r4stage.funded.prepare.1":"첫 모기지 상환을 설정하세요: 보통 마감 후 30~45일 후에 만기가 됩니다. ACH를 설정하면 대부분의 대출 기관이 자동 출금하며, 그렇지 않으면 납입 쿠폰북을 받게 됩니다.","r4stage.funded.prepare.2":"주택 소유자 보험과 공과금을 새 부동산으로 변경하세요.","r4stage.funded.gotchas.0":"마감 후 ë©°ì¹  뒤 카운티 등기소에서 등기된 서류를 확인하세요 — 증서가 귀하의 이름으로 되어 있고 모기지가 귀하 앞으로 등기되었는지 확인하세요.","r4stage.funded.gotchas.1":'연말에 대출 기관으로부터 "1098 모기지 이자" 양식을 받게 됩니다 — 세금 신고를 위해 보관하세요.',"r4stage.funded.gotchas.2":'서비싱(채권 관리) 이전이 발생합니다 — 대출금을 지급한 대출 기관이 향후 상환금을 보낼 곳이 아닌 경우가 많습니다. 우편으로 오는 "작별 편지 / 환영 편지"를 주의 깊게 살펴보세요.',"r4insights.payStubExpired.title":"급여 명세서가 30일 이상 경과했습니다","r4insights.payStubExpired.explanation":"가장 최근의 급여 명세서 날짜가 저희 기록에 사용하기에는 너무 오래되었습니다. 대출 기관은 마감 전에 최근 30일 이내의 급여 명세서를 확인해야 합니다.","r4insights.payStubExpired.nextStep":"가장 최근의 급여 명세서를 보내 주십시오.","r4insights.payStubExpired.uploadLabel":"급여 명세서 업로드","r4insights.overtimeDetected.title":"급여 명세서에서 초과 근무 수당이 감지되었습니다","r4insights.overtimeDetected.explanation":"소득의 일부가 초과 근무 수당입니다. 초과 근무 수당이 2년 이상 꾸준히 지속된 경우 일반적으로 자격 산정에 포함할 수 있습니다.","r4insights.overtimeDetected.nextStep":"대출 담당자가 요청할 경우 24개월간의 급여 내역을 제공할 준비를 하십시오.","r4insights.commissionBonus.title":"급여 명세서의 수수료 또는 상여금","r4insights.commissionBonus.explanation":"변동 소득(수수료/상여금)은 자격 산정에 포함되지만, 대출 기관은 일관성을 확인하기 위해 2년 평균을 검토합니다.","r4insights.commissionBonus.nextStep":"작년 W-2와 최근 급여 명세서 2장을 준비해 두십시오.","r4insights.selfEmploymentNoted.title":"자영업 소득이 확인되었습니다","r4insights.selfEmploymentNoted.explanation":"자영업 소득은 검증을 위해 추가 서류가 필요합니다. 대출 기관은 이를 산정하기 위해 세금 신고서와 사업 기록을 확인하려 합니다.","r4insights.selfEmploymentNoted.nextStep":"2년간의 개인 및 사업 세금 신고서와 사업자 등록증을 준비하십시오.","r4insights.scheduleCNetLoss.title":"세금 신고서에 사업 손실이 나타납니다","r4insights.scheduleCNetLoss.explanation":"가장 최근의 세금 신고서에 자영업 손실이 보고되어 있습니다. 이로 인해 대출에 산정되는 소득 금액이 줄어들 수 있습니다.","r4insights.scheduleCNetLoss.nextStep":"이 부분에 대해 대출 담당자와 상의하십시오. 어느 연도가 산정되는지 알려 드릴 수 있습니다.","r4insights.scheduleCConfirmed.title":"자영업 소득이 확인되었습니다","r4insights.scheduleCConfirmed.explanation":"세금 신고서에 꾸준한 자영업 소득이 나타납니다. 전년도와 평균을 내어 자격 금액을 결정하겠습니다.","r4insights.appraisalBelowContract.t

1itle":"감정 평가액이 계약 가격보다 낮게 나왔습니다","r4insights.appraisalBelowContract.explanation":"감정사가 주택 가치를 귀하가 지불하기로 합의한 금액보다 낮게 평가했습니다. 마감 시 추가 현금을 준비하거나, 가격을 재협상하거나, 감정 평가에 대한 재검토를 요청해야 합니다.","r4insights.appraisalBelowContract.nextStep":"어떤 방안이 가장 적합한지 결정하기 위해 중개인 및 대출 담당자와 상의하십시오.","r4insights.appraisalMeetsContract.title":"감정 평가 결과가 양호합니다","r4insights.appraisalMeetsContract.explanation":"감정 평가액이 계약 가격과 같거나 이를 초과합니다. 가치 부족 관련 서류 없이 대출을 진행할 수 있습니다.","r4insights.decliningMarket.title":"해당 지역이 약세 시장에 있습니다","r4insights.decliningMarket.explanation":"감정사가 해당 지역을 하락세로 표시했습니다. 일부 대출 기관은 위험을 상쇄하기 위해 약간 더 많은 계약금을 요구합니다.","r4insights.decliningMarket.nextStep":"대출 조건이 변경될 경우 대출 담당자가 알려 드립니다.","r4insights.poorConditionC5.title":"마감 전에 주택 수리가 필요합니다","r4insights.poorConditionC5.explanation":"감정 평가에 따르면 대출 기관이 대출을 실행하기 전에 주택에 상당한 수리가 필요합니다. 대부분의 대출 프로그램은 마감 시 주택이 거주 가능한 상태일 것을 요구합니다.","r4insights.poorConditionC5.nextStep":"어떤 수리를 판매자가 완료할지(또는 가격 인하 후 귀하가 처리할지) 중개인과 조율하십시오.","r4insights.poorConditionC6.title":"마감 전에 주택에 대규모 수리가 필요합니다","r4insights.poorConditionC6.explanation":"감정 평가에 따르면 대출 기관이 대출을 실행하기 전에 주택에 대대적인 수리가 필요합니다. 대부분의 대출 프로그램은 마감 시 주택이 거주 가능한 상태일 것을 요구합니다.","r4insights.poorConditionC6.nextStep":"어떤 수리를 판매자가 완료할지(또는 가격 인하 후 귀하가 처리할지) 중개인과 조율하십시오.","r4insights.insuranceExpired.title":"주택 소유자 보험이 만료되었습니다","r4insights.insuranceExpired.explanation":"보관 중인 재해 보험 증권이 만료되었습니다. 대출 기관은 대출이 실행되는 날에 유효한 보험 증권을 요구합니다.","r4insights.insuranceExpired.nextStep":"마감 시점에 유효한 새 보험 증권 또는 갱신 증서를 받으려면 보험 대리인에게 연락하십시오.","r4insights.insuranceExpired.uploadLabel":"새 보험 증권 업로드","r4insights.insuranceExpiresSoon.title":"주택 소유자 보험이 곧 만료됩니다","r4insights.insuranceExpiresSoon.explanation":"현재 주택 소유자 보험 증권이 향후 30일 이내에 만료됩니다. 마감 전에 갱신 증서가 필요할 수 있습니다.","r4insights.insuranceExpiresSoon.nextStep":"아직 없는 경우 보험 대리인에게 갱신 증서를 요청하십시오.","r4insights.insuranceExpiresSoon.uploadLabel":"갱신 증서 업로드","r4insights.titleCloud.title":"주택 권원에서 문제가 발견되었습니다","r4insights.titleCloud.explanation":"주택 권원에 유치권, 판결 또는 기타 청구권이 있습니다. 이는 대출 기관이 대출을 실행하기 전에 해결되어야 합니다.","r4insights.titleCloud.nextStep":"권원 회사와 대출 담당자가 이를 해결하기 위해 협력할 것이며, 귀하가 서류를 제공해야 할 수 있습니다.","r4insights.communityProperty.title":"배우자의 서명이 필요합니다","r4insights.communityProperty.explanation":"주택이 공동 재산(community property)으로 보유되고 있습니다. 배우자가 대출에 포함되어 있지 않더라도 일부 마감 서류에 서명해야 합니다.","r4insights.communityProperty.nextStep":"마감 당일에 배우자가 참석할 수 있도록 준비하십시오.","r4insights.trid3DayViolation.title":"마감일이 Closing Disclosure 이후 너무 이릅니다","r4insights.trid3DayViolation.explanation":"법에 따라 마감 최소 3영업일 전에 Closing Disclosure를 받아야 합니다. 현재 날짜는 이를 충족하지 않으므로 마감이 연기될 가능성이 높습니다.","r4insights.trid3DayViolation.nextStep":"마감일이 다소 늦어질 수 있으니 대비하십시오. 대출 담당자가 새 날짜를 확인해 드립니다.","r4insights.trid3DayMet.title":"마감 일정이 정확해 보입니다","r4insights.trid3DayMet.explanation":"Closing Disclosure가 마감 전에 충분한 여유 시간을 두고 발행되었습니다. 법적 요건이며 일정대로 진행되고 있습니다.","r4insights.cashToCloseTolerance.title":"마감 시 필요한 현금이 크게 변경되었습니다","r4insights.cashToCloseTolerance.explanation":"마감 시 준비해야 할 금액이 원래의 Loan Estimate와 허용 범위를 초과하여 차이가 납니다. 그 차액을 대출 기관이 부담할지 귀하가 부담할지 대출 담당자가 설명해 드립니다.","r4insights.cashToCloseTolerance.nextStep":"어떤 수수료가 왜 변경되었는지 대출 담당자에게 설명을 요청하십시오.","r4insights.borrowerReceivesFunds.title":"마감 시 자금을 받게 됩니다","r4insights.borrowerReceivesFunds.explanation":"수치상으로 마감 시 비용을 지불하는 대신 실제로 돈을 받게 됩니다. 이는 일반적으로 현금 인출 재융자(cash-out) 또는 리베이트 금리(rebate-rate) 상황에서 발생합니다.","r4insights.ch7SeasoningMet.title":"과거 파산이 충분히 오래 전 일입니다","r4insights.ch7SeasoningMet.explanation":"파산이 면책된 이후 충분한 시간이 지나 모든 주요 대출 프로그램(컨벤셔널, FHA, VA)을 이용하실 수 있습니다.","r4insights.ch7SeasoningParti

1al.title":"과거 파산: 일부 대출 옵션 가능, 컨벤셔널은 아직 불가","r4insights.ch7SeasoningPartial.explanation":"정부 보증 대출(FHA, VA)은 지금 이용하실 수 있습니다. 컨벤셔널 대출은 자격을 갖추기까지 시간이 조금 더 필요합니다.","r4insights.ch7SeasoningPartial.nextStep":"대출 담당자가 귀하의 일정에 맞는 프로그램으로 안내해 드립니다.","r4insights.ch7SeasoningNotMet.title":"과거 파산: 아직 충분한 시간이 지나지 않았습니다","r4insights.ch7SeasoningNotMet.explanation":"대부분의 대출 프로그램은 파산 면책 후 대기 기간을 요구합니다. 비전통적 프로그램을 검토하거나 대기 기간이 충족될 때까지 기다려야 할 수 있습니다.","r4insights.ch7SeasoningNotMet.nextStep":"어떤 방법이 가능할지 대출 담당자가 설명해 드립니다.","r4insights.irrelevantDocument.title":"문서가 대출 서류로 보이지 않습니다","r4insights.irrelevantDocument.explanation":"업로드하신 파일이 영수증이거나 관련 없는 서류로 보여 신청에 사용할 수 없었습니다.","r4insights.irrelevantDocument.nextStep":"이 파일을 제거하고 급여 명세서, 은행 거래 내역서 또는 세금 신고서와 같은 유효한 대출 서류를 업로드하십시오.","r4insights.irrelevantDocument.uploadLabel":"올바른 문서 업로드","r4prequal.strength.reserves12":"예비 자금 ≥12개월 PITIA","r4prequal.strength.coBorrower":"신청서에 공동 대출자 있음","r4prequal.strength.reservesMonths":"예비 자금 {months}개월 PITIA","r4prequal.weakness.reservesAddDollars":"다음 overlay를 통과하려면 유동 예비 자금에 최소 2\xd7 ${amount2x} = ${amountTotal}를 추가하세요.","r4prequal.weakness.fico760":"1등급 가격을 받으려면 FICO를 760+로 올리세요.","r4prequal.weakness.fico740":"대부분의 LLPA를 없애려면 FICO를 740+로 올리세요.","r4prequal.weakness.fico720":"다음 LLPA 등급을 제거하려면 FICO를 720+로 올리세요.","r4prequal.weakness.fico700":"rapid-rescore를 실행하세요 — 700+에 도달하면 약 4포인트를 절약합니다.","r4prequal.weakness.fico680":"회전 신용 잔액을 갚으세요; 680이 다음 가격 인하 구간입니다.","r4prequal.weakness.fico660":"660 미만이면 대부분의 컨벤셔널 overlay가 적용됩니다. FHA 경로를 고려하세요.","r4prequal.weakness.fico640":"640 미만 — FHA/non-QM로 전환하고 시나리오를 재설정하세요.","r4prequal.weakness.fico620":"620 미만이면 대부분의 컨벤셔널 대출 기관에서 자격이 박탈됩니다. FHA 최소 580 / VA 600.","r4prequal.weakness.ltv70":"다음 LLPA를 통과하려면 LTV를 ≤70으로 낮추세요.","r4prequal.weakness.ltv75":"가격 개선을 위해 LTV를 ≤75로 낮추세요.","r4prequal.weakness.ltv80":"PMI를 없애려면 LTV를 ≤80으로 낮추세요.","r4prequal.weakness.ltv80pmi":"PMI와 LLPA 부담을 없애려면 LTV ≤80으로 재구성하세요.","r4prequal.weakness.ltv90":"LTV 90 초과 시 PMI 요율이 상승합니다 — 더 큰 계약금을 고려하세요.","r4prequal.weakness.ltv95":"95 초과 시 대부분의 컨벤셔널 대출 기관은 한도를 둡니다; FHA로 전환하세요 (최대 96.5).","r4prequal.weakness.dti36":"DTI를 36 미만으로 낮추려면 신용카드 잔액을 갚으세요.","r4prequal.weakness.dti43":"DTI 43% 초과 시 QM-safe-harbor에 부적합합니다; 대출 기관이 보완 요소를 요구합니다.","r4prequal.weakness.dti50":"DTI 50% 초과는 non-QM 영역입니다 — 상품을 변경하세요.","r4prequal.weakness.llpaHeavy":"Pricing 탭을 확인하세요 — 위의 

1LLPA는 FICO/LTV/거주 형태와 연동됩니다. 그중 하나라도 개선하면 포인트를 회복합니다.","r4prequal.weakness.llpaStacked":"총 LLPA가 충분히 높아 다른 대출 기관이 더 나은 견적을 제시할 수 있습니다 — 대출 기관 #2가 연결되면 가격 산정을 다시 실행하세요.","r4prequal.weakness.tenure24":"≥24개월의 안정적인 고용은 대출 기관의 보완 요소 우려를 없앱니다.","r4prequal.weakness.tenure12":"대출 기관은 현재 직장에서 ≥12개월을 선호합니다. 같은 업종이라면 이전 고용주로부터의 연속성을 문서화하세요.","r4prequal.weakness.tenure6":"현재 직장에서 6개월 미만 — 대부분의 대출 기관은 이를 상쇄하기 위해 보완 요소(많은 예비 자금, 낮은 LTV)를 요구합니다.","r4prequal.weakness.reservesAim":"유동 예비 자금에 최소 2개월분의 PITIA를 확보하는 것을 목표로 하세요.","r4prequal.weakness.reservesNone":"대부분의 도매 대출 기관은 주거용 주택에 ≥2개월의 예비 자금을 요구합니다; 투자용은 ≥6개월이 필요합니다.","r4prequal.weakness.bankruptcy":"유예 기간을 확인하세요 — 면책일로부터 컨벤셔널 4년 / FHA 2년. 면책 명령서를 확보하여 검증하세요.","r4prequal.weakness.foreclosure":"압류 유예 기간 — 컨벤셔널 7년(정상참작 사유 시 3년), FHA 3년. 신용 보고서로 검증하세요.","r4prequal.weakness.selfEmployed":"자영업자는 2년치 세금 신고서 + Schedule C 평균이 필요합니다. 예비 자금을 추가하세요; 대출 기관은 현금 흐름에 더 엄격합니다.","r4prequal.weakness.jumbo":"적격 대출 한도를 초과하면 jumbo overlay가 발동됩니다. UWM(또는 jumbo 취급 대출 기관)이 해당 FICO + LTV 조합을 수용하는지 확인하세요.","r4prequal.weakness.cashOut":"금리\xb7기간 재융자는 cash-out LLPA 구간을 피합니다.","r4prequal.weakness.manufactured":"조립식(manufactured) 주택은 대출 기관의 수용 폭이 좁습니다 — UWM이 해당 기초 유형을 수용하는지 확인하세요.","r4prequal.weakness.ausApproveIneligible":"AUS가 승인했으나 부적격으로 만드는 조건이 있습니다 — findings를 검토하여 overlay를 파악하세요.","r4prequal.weakness.ausReferCaution":"AUS가 주의와 함께 보류했습니다 — 수동 심사가 필요할 수 있습니다. 제출 전 서류(소득 증빙, 예비 자금)를 보강하세요.","r4prequal.weakness.highCost":"APR 임계값 아래로 낮추려면 points/fees 또는 표면 금리를 줄이세요; Pricing 탭을 확인하세요.","r4prequal.weakness.atrIncomplete":"Compliance 탭을 여세요; 누락된 ATR 요소가 그곳에 항목별로 정리되어 있습니다.","r4prequal.weakness.stateHighCost":"주(州) 고비용 대출 — 제출 시 추가 공시가 필요합니다.","r4prequal.weakness.noProduct":"Pricing 탭을 확인하세요 — 상품의 엄격한 한도(FICO/LTV/대출 금액)에 도달했을 가능성이 높습니다.","r4health.stage.applicationReview":"신청서 검토","r4health.stage.applicationStarted":"신청 시작됨","r4health.stage.draft":"임시 저장","r4health.stage.applicationSubmitted":"신청서 제출됨","r4health.stage.submitted":"제출됨","r4health.stage.processing":"처리 중","r4health.stage.preUnderwriting":"사전 심사","r4health.stage.underwriting":"심사","r4health.stage.seniorUnderwriting":"선임 심사","r4health.stage.conditionalApproval":"조건부 승인","r4health.stage.approved":"승인됨","r4health.stage.clearToClose":"마감 준비 완료","r4health.stage.closing":"마감","r4health.stage.funded":"자금 지급 완료","r4health.factor.conditionsInProgressOne":"{count}개 ì¡°ê±´ 진행 중","r4health.factor.conditionsInProgressMany":"{count}개 ì¡°ê±´ 진행 중","r4health.factor.openConditionsOne":"{count}개 미해결 ì¡°ê±´","r4health.factor.openConditionsMany":"{count}개 미해결 ì¡°ê±´","r4health.factor.noOpenConditions":"미해결 ì¡°ê±´ 없음","r4health.factor.docsInProgressOne":"{count}개 문서 진행 중","r4health.factor.docsInProgressMany":"{count}개 문서 진행 중","r4health.factor.docsNeededOne":"{count}개 문서 아직 필요","r4health.factor.docsNeededMany":"{count}개 문서 아직 필요","r4health.factor.daysSinceUpdateOne":"마지막 업데이트 후 {count}일 경과","r4health.factor.daysSinceUpdateMany":"마지막 업데이트 후 {count}일 경과","r4health.factor.rateLocked":"{rate}%로 금리 고정됨","r4health.factor.closingConfirmed":"마감일 확정됨","r4health.action.clearConditionsOne":"미해결 ì¡°ê±´ {count}개 해결하기","r4health.action.clearConditionsMany":"미해결 ì¡°ê±´ {count}개 해결하기","r4health.action.uploadDocsOne":"대기 중인 문서 {count}개 업로드하기","r4health.action.uploadDocsMany":"대기 중인 문서 {count}개 업로드하기","r4health.action.lockRate":"준비되시면 금리를 고정하세요","r4health.action.pickClosingDate":"마감일ì

1„ 선택하세요","r4tour.step3.plaid.title":"입력은 그만 — 은행 계좌를 연결하세요","r4tour.step3.plaid.body":"<strong>Plaid</strong>를 통해 계좌 유형, 잔액, 계좌번호 끝 4자리를 자동으로 가져올 수 있습니다 — 은행 수준의 암호화로 Venmo, Robinhood, Coinbase에서도 사용합니다. 은행 로그인 정보는 <strong>Plaid로 바로</strong> 전달되며(우리에게는 아님), 우리는 잔액과 계좌 유형만 받습니다. 대부분의 대출자가 여기서 5분 이상 절약합니다.","r4tour.step3.plaid.ask":"Plaid를 통해 은행을 연결하는 게 안전한가요?","r4tour.step3.plaid.action.primary":"네 — 은행을 연결할게요","r4tour.step3.plaid.action.secondary":"괜찮아요, 직접 입력할게요","r4tour.step3.addAsset.title":"자산 추가 (선택 사항)","r4tour.step3.addAsset.body":"<strong>나열할 계좌가 없으면 건너뛰세요</strong>(드뭅니다 — 대부분의 대출자는 최소한 주거래 입출금 계좌는 입력합니다). 있다면 <strong>자산 추가</strong>를 클릭하세요. 계좌 하나를 채우도록 안내해 드릴게요. 나중에 더 추가할 수 있습니다.","r4tour.step3.addAsset.ask":"모든 계좌를 입력해야 하나요, 아니면 계약금에 사용할 계좌만 입력하면 되나요?","r4tour.step3.addAsset.action.primary":"자산 추가","r4tour.step3.addAsset.action.secondary":"건너뛰기 — 직접 입력할 자산 없음","r4tour.step5.addProperty.title":"부동산 추가 (선택 사항)","r4tour.step5.addProperty.body":"<strong>다른 부동산을 소유하고 있지 않다면 건너뛰세요.</strong> 이번 대출로 자금을 마련하는 부동산 외에 다른 부동산(임대용, 별장, 대출 상환이 끝난 집)을 소유하고 있다면 <strong>부동산 추가</strong>를 클릭하세요. 항목 하나를 입력하도록 안내해 드릴게요. 나중에 더 추가할 수 있습니다.","r4tour.step5.addProperty.ask":"형제자매와 공동으로 소유한 부동산이 있어요 — 이것도 입력하나요?","r4tour.step5.addProperty.action.primary":"부동산 추가","r4tour.step5.addProperty.action.secondary":"건너뛰기 — 다른 부동산 없음","r4tour.step1.0.title":"법적 이름(이름)","r4tour.step1.0.body":"<strong>정부 발급 신분증에 표시된 그대로</strong> 이름을 입력하세요. 오타 하나로도 클로징 단계에서 대출이 지연될 수 있습니다.","r4tour.step1.0.ask":"주택담보대출에서 제 법적 이름이 신분증과 일치해야 하는 이유가 뭔가요?","r4tour.step1.1.title":"중간 이름","r4tour.step1.1.body":"<strong>중간 이름이 없으면(또는 신분증에 없으면) 건너뛰세요.</strong> 신분증에 있다면 ê¼­ 입력하세요 — 그렇지 않으면 타이틀 회사가 나중에 요청해 클로징이 늦어질 수 있습니다.","r4tour.step1.1.ask":"주택담보대출에 중간 이름을 ê¼­ 넣어야 하나요?","r4tour.step1.2.title":"성","r4tour.step1.2.body":"동일한 규칙입니다. 정부 발급 신분증과 일치시키세요. 하이픈, 접미사, 강세 부호 — 그대로 두세요.","r4tour.step1.2.ask":"신분증의 성이 제가 평소 쓰는 것과 다른데 — 어떻게 해야 하나요?","r4tour.step1.3.title":"접미사","r4tour.step1.3.body":"<strong>신분증에 없으면 건너뛰세요.</strong> 있으면 입력하세요 — Jr, Sr, II, III 등. 권원회사가 나중에 불일치를 잡아내므로 지금 설정하는 것이 더 깔끔합니다.","r4tour.step1.3.ask":'아버지가 저와 이름이 같으면 "Jr"를 넣어야 하나요?',"r4tour.step1.4.title":"사용했던 다른 이름","r4tour.step1.4.body":"<strong>항상 같은 이름을 사용했다면 건너뛰세요.</strong> 결혼 전 성, 이전의 법적 이름, 또는 금융 계좌에 나타나는 오래 사용한 별칭이 있다면 여기에 적으세요 — 신용평가기관에 ê·¸ 이름으로 기록이 있을 수 있습니다.","r4tour.step1.4.ask":"결혼할 때 이름을 바꿨는데 — 대체 이름으로 무엇을 적어야 하나요?","r4tour.step1.5.title":"이메일 주소","r4tour.step1.5.body":"여기로 대출 상태 업데이트와 공시 서류 전자 서명 링크를 보내드립니다. 자주 확인하는 이메일을 사용하세요.","r4tour.step1.5.ask":"제 대출에 관한 이메일을 얼마나 자주 받게 되나요?","r4tour.step1.6.title":"휴대폰","r4tour.step1.6.body":"중개인이 이 번호로 전화하거나 문자를 보냅니다. 새 기기에서 로그인할 때 OTP 로그인 코드에도 사용됩니다.","r4tour.step1.6.ask":"전화번호를 알려주면 스팸 전화를 받게 되나요?","r4tour.step1.7.title":"집 전화","r4tour.step1.7.body":"<strong>유선 전화가 없으면 건너뛰세요.</strong> 대부분의 대출자는 없으며 비워 두어도 됩니다. 있다면, 마감 통화 중 휴대폰으로 연락이 안 될 때를 대비해 두 번째 번호를 기록해 두면 도움이 됩니다.","r4tour.step1.7.ask":"휴대폰이 제 주 번호라면 집 전화가 중요한가요?","r4tour.step1.8.title":"직장 전화","r4tour.step1.8.body":"<strong>직장에서 연락받고 싶지 않으면 건너뛰세요.</strong> 입력하면 대출기관의 확인 담당자가 고용을 확인하려고 전화할 수 있습니다 — 본인이 아니라 인사/급여 부서에 문의합니다.","r4tour.step1.8.ask":"제가 모기지를 신청한다는 사실을 직장에 알리나요?","r4tour.step1.9.title":"생년월일","r4tour.step1.9.body":"신용 조회 및 연방 규정 준수를 위해 필요합니다. 형식: MM/DD/YYYY. 만 18세 이상이어야 합니다.","r4tour.step1.9.ask":"제 생년월일이 왜 필요한가요?","r4tour.step1.10.title":"사회보장번호(SSN)","r4tour.step1.10.body":"신용 조회에 <strong>필수</strong>입니다. 해시 처리되어 저장되며 다시 표시되지 않습니다.","r4tour.step1.10.ask":"이 양식에 제 SSN을 입력해도 안전한가요?","r4tour.step1.11.title":"혼인 상태","r4tour.step1.11.body":"하나를 선택하세요. 부부 공동 재산 주(CA, AZ, ID, LA, NV, NM, TX, WA, WI)에서 기혼인 경우, 배우자가 대출에 포함되지 않더라도 일부 배우자 정보를 요청할 수 있습니다.","r4tour.step1.11.ask":"혼인 상태가 모기지 신청에 왜 중요한가요?","r4tour.step1.12.title":"시민권","r4tour.step1.12.body":"미국 시민은 가장 폭넓은 대출 옵션을 이용할 수 있습니다. 영주권자와 비영주 거주자도 자격이 되며, 추가 서류(영주권 또는 취업 비자)만 있으면 됩니다.","r4tour.step1.12.ask":"시민권자가 아니어도 모기지를 받을 수 있나요?","r4tour.step1.13.title":"도로명 주소 및 호수","r4tour.step1.13.body":"현재 거주지 — <strong>도로명 주소</strong>와 해당되는 경우 <strong>호수 / 아파트 번호</strong>. 대출 기관은 2년간의 연속된 거주 이력이 필요하며, 이곳에 거주한 기간이 2년 미만이면 이전 주소도 요청합니다. 호수는 선택 사항입니다.","r4tour.step1.13.ask":"제 모기지에 왜 2년치 주소 이력이 필요한가요?","r4tour.step1.14.title":"도시","r4tour.step1.14.body":"현재 거주지의 도시입니다.","r4tour.step1.14.ask":"ë

1„시가 제 운전면허증과 일치해야 하나요?","r4tour.step1.15.title":"주(State)","r4tour.step1.15.body":"두 글자 주 코드(예: CA, NY)입니다. 주별 규정 준수 규칙에 영향을 줍니다.","r4tour.step1.15.ask":"주가 제 모기지에 왜 중요한가요?","r4tour.step1.16.title":"우편번호(ZIP)","r4tour.step1.16.body":"현재 거주지의 우편번호입니다. 나중에 이곳에서 주택을 구입할 경우 재산세와 홍수 지역 정보를 조회하는 데 사용됩니다.","r4tour.step1.16.ask":"우편번호가 제 대출에 어떤 영향을 주나요?","r4tour.step1.17.title":"주거 상태","r4tour.step1.17.body":"자가 / 임대 / 무상 거주 중에서 선택합니다. 임대인 경우 월세를 여쭤봅니다(부채상환비율 계산에 사용됨).","r4tour.step1.17.ask":"현재 주거 상태가 제 모기지 승인에 영향을 주나요?","r4tour.step1.18.title":"현 주소 거주 기간","r4tour.step1.18.body":"현 주소에서의 거주 연수와 개월 수입니다. 합계가 2년 미만이면 마법사가 다음에 이전 주소 카드를 추가합니다.","r4tour.step1.18.ask":"지난 2년 동안 이사를 여러 번 했다면 어떻게 하나요?","r4tour.step2.0.title":"현재 고용주","r4tour.step2.0.body":'급여 명세서나 W-2에 적힌 <strong>법적 명칭</strong>을 사용하세요. 브랜드명이 아닙니다. 명세서에 "Acme Holdings LLC"라고 되어 있지만 다들 Acme라고 부른다면 법적 명칭을 입력하세요. 급여 확인 시 이 명칭과 대조합니다. 아직 항목이 없으면 아래의 <strong>고용 정보 추가</strong>를 클릭하여 시작하세요.',"r4tour.step2.0.ask":"고용주의 법적 명칭이 제가 평소 사람들에게 말하는 이름과 다르면 어떻게 하나요?","r4tour.step2.1.title":"고용주 전화번호","r4tour.step2.1.body":"주요 인사팀 또는 급여팀 전화번호면 됩니다. 대출 기관이나 확인 담당자가 재직 확인을 위해 전화할 수 있으며, 개인 정보는 묻지 않습니다.","r4tour.step2.1.ask":"이 모기지 때문에 제 고용주에게 연락하나요?","r4tour.step2.2.title":"고용주 도로명 주소 및 도시","r4tour.step2.2.body":"고용주의 도로명 주소와 도시입니다(급여 명세서에 있는 본사 또는 회사 주소). 재택근무라면 자택이 아니라 고용주의 본사 주소를 입력하세요.","r4tour.step2.2.ask":"재택근무를 하면 어떻게 하나요? 자택 주소를 고용주 주소로 사용하나요?","r4tour.step2.3.title":"고용주 주(State) 및 우편번호","r4tour.step2.3.body":"고용주 주소의 주(State)와 우편번호입니다. 대출 기관이 재직 확인(VOE)에 사용하며, 이 위치의 인사팀/급여팀 전화로 연락합니다.","r4tour.step2.3.ask":"대출 기관이 왜 제 고용주의 주소를 필요로 하나요?","r4tour.step2.4.title":"자영업자이신가요? 지금 알려주세요","r4tour.step2.4.body":"자영업 대출 신청자는 다른 서류가 필요합니다: <strong>2년치 개인 세금 신고서</strong>, 25% 이상 지분을 보유한 경우 사업체 세금 신고서, 그리고 <strong>연초부터 현재까지(YTD)의 손익계산서</strong>가 필요합니다. 여기서 예라고 답하면 나중에 알맞은 서류 체크리스트가 열립니다.","r4tour.step2.4.ask":"저는 1099 계약직입니다 — 모기지 목적상 자영업자에 해당하나요?","r4tour.step2.5.title":"이 회사의 지분을 보유하고 계신가요?","r4tour.step2.5.body":"<strong>회사 지분이 전혀 없으면 건너뛰세요.</strong> 지분이 있으면 입력하세요 — 이것이 중요한 이유는 <strong>25% 이상</strong> 지분을 보유하면 급여를 어떻게 받든 대출기관이 자영업자로 간주하기 때문입니다(그리고 사업체 세금 신고서가 필요합니다). 25% 미만이면 심사 목적상 여전히 직원으로 봅니다.","r4tour.step2.5.ask":"저는 제 고용주 회사의 10%를 소유하고 있습니다 — 모기지 목적상 자영업자인가요?","r4tour.step2.6.title":"직책","r4tour.step2.6.body":"채용 제안서나 명함에 적힌 직책을 사용하세요. 승진했다면 현재 직책을 사용하세요 — 확인 담당자는 과거 이력이 아니라 현재 급여 정보를 봅니다.","r4tour.step2.6.ask":"직장에서의 직책이 제가 사람들에게 말하는 것과 다릅니다 — 어느 것을 사용해야 하나요?","r4tour.step2.7.title":"이곳에서 근무한 기간","r4tour.step2.7.body":"<em>현재</em> 고용주에서 근무한 총 기간(년\xb7월). 잦은 이직이 자격 박탈 사유는 아니ì

1§€ë§Œ, 대출기관은 <strong>같은 직장에서 2년</strong> 또는 같은 분야의 경력을 선호합니다.","r4tour.step2.7.ask":"방금 직장을 옮겼는데 — 그게 제 가능성에 불리하게 작용하나요?","r4tour.step2.8.title":"입사일","r4tour.step2.8.body":"<em>현재</em> 고용주에서 근무를 시작한 시점입니다. 총 재직 기간을 정확히 계산하는 데 사용됩니다(대출기관은 반올림한 년/월보다 명확한 날짜를 선호합니다).","r4tour.step2.8.ask":"정확한 입사일이 기억나지 않습니다 — 무엇을 입력해야 하나요?","r4tour.step2.9.title":"퇴사일","r4tour.step2.9.body":"<strong>현재 직장이라면 비워 두세요.</strong> 이전 고용주라면 퇴사한 날짜를 입력하세요. 대출기관은 이 정보를 사용해 2년 경력에 공백이 없는지 확인합니다.","r4tour.step2.9.ask":"퇴사일은 제가 마지막으로 근무한 날인가요, 아니면 복리후생이 종료된 날인가요?","r4tour.step2.10.title":"이 분야에서 일한 연수","r4tour.step2.10.body":"현재 고용주에서의 기간뿐만 아니라 전체 경력의 총 기간입니다. 같은 업계 내에서 이직이 잦은 사람도 <strong>같은 분야의 연속성이 인정되기</strong> 때문에 여전히 자격이 됩니다. 예: 6년 동안 서로 다른 소프트웨어 엔지니어 직책 3개 = 해당 분야 경력 6년.","r4tour.step2.10.ask":"직종을 바꿨는데 — 이전 경력 연수도 여전히 인정되나요?","r4tour.step2.11.title":"가족이 운영하는 곳에서 일하나요?","r4tour.step2.11.body":"부모, 형제자매, 또는 배우자가 ê·¸ 사업체를 소유하고 있다면 이 항목을 선택하세요. 가족 고용은 위조될 수 있어 대출 기관은 <strong>추가 서류</strong>(W-2 + 고용주가 서명한 편지)를 요구합니다.","r4tour.step2.11.ask":"제가 다니는 회사를 부모님이 소유하고 있는데, 이게 영향을 주나요?","r4tour.step2.12.title":"거래 당사자에게 고용되어 있나요?","r4tour.step2.12.body":"<strong>고용주가 이 거래의 판매자, 건축업자, 또는 부동산 중개인 본인인 경우가 아니면 건너뛰세요.</strong> 더 엄격한 심사가 발생합니다(이해 상충 가능성, 종종 2ì°¨ 감정평가가 필요함). 대부분의 차용인은 아니요로 답합니다.","r4tour.step2.12.ask":"'거래 당사자'가 무엇이고, 제 고용주가 당사자인지 제가 알 수 있나요?","r4tour.step2.13.title":"월 기본급","r4tour.step2.13.body":"세전(총) 월급. 시급으로 받는 경우 시급 \xd7 주당 근무시간 \xd7 4.33. 격주 급여는 \xd7 2.167.","r4tour.step2.13.ask":"주택담보대출용 월 소득으로 제 시급을 어떻게 환산하나요?","r4tour.step2.14.title":"변동 소득","r4tour.step2.14.body":"초과근무 수당, 보너스, 커미션. <strong>고정 급여만 받는다면 건너뛰세요.</strong> 변동 소득이 있다면 이를 기재하면 <strong>대출 능력이 크게 높아질 수 있습니다</strong> — 2년의 기록이 쌓이면 대출 기관이 이를 인정합니다. 지난 24개월간의 월평균을 입력하세요.","r4tour.step2.14.ask":"제 보너스는 해마다 크게 달라지는데, 대출 기관이 이를 반영하나요?","r4tour.step2.15.title":"êµ° 급여","r4tour.step2.15.body":"<strong>현역 또는 예비역 군인이 아니라면 건너뛰세요.</strong> 군인이라면 월 기본급 + BAH(기본 주거 수당) + BAS(식비 수당) + 각종 특별 수당. VA 대출 신청자는 여기에 기재합니다.","r4tour.step2.15.ask":"BAH가 주택담보대출 자격 심사에서 과세 소득으로 인정되나요?","r4tour.step2.16.title":"기타 소득","r4tour.step2.16.body":"<strong>고용 기반의 다른 소득이 없으면 건너뛰세요.</strong> 여기에 해당하는 예시: W-2에 보고된 팁, 정기적인 교대 수당, 대기 근무 수당. (위자료, 자녀 양육비, 임대 소득은 제외 — 그것들은 별도의 항목이 있습니다.)","r4tour.step2.16.ask":"급여 명세서에 없는 팁은 어디에 입력하나요?","r4tour.step2.17.title":"이제 2년을 채우기 위해 이전 직장을 추가하세요","r4tour.step2.17.body":"대출 기관은 <strong>2년간의 연속된 고용 이력</strong>을 필요로 합니다. 이 직장에서 근무한 지 2년이 안 되었다면 <strong>고용 추가</strong>를 클릭하고 24개월을 채울 때까지 이전 직장들을 연이어 입력하세요. 공백 기간은 서면 설명이 필요합니다.","r4tour.step2.17.ask":"직장 사이에 4개월의 공백이 있는데, 어떻게 설명하나요?","r4tour.step3.0.title":"계좌 유형","r4tour.step3.0.body":"가장 가까운 항목을 선택하세요. 일상용은 <strong>입출금 계좌(Checking)</strong>, 별도 현금용은 <strong>저축 계좌(Savings)</strong>, 401(k)/IRA는 <strong>은퇴 계좌(Retirement)</strong>, 주식은 <strong>증권 계좌(Brokerage)</strong>입니다. 해당 유형이 없으면 기타를 선택하세요. 아직 행이 없으면 <strong>자산 추가</strong>를 클릭해 시작하세요.","r4tour.step3.0.ask":"제 돈이 Roth IRA에 있는데, 어떤 계좌 유형을 선택하나요?","r4tour.step3.1.title":"어느 은행 또는 증권사","r4tour.step3.1.body":'명

1세서에 나오는 법적 명칭을 사용하세요(예: <em>"Chase Bank, N.A."</em>, <em>"Fidelity Brokerage Services LLC"</em>). 대출 기관은 나중에 업로드할 서류와 이 이름을 대조합니다.',"r4tour.step3.1.ask":"은행 이름이 제 명세서와 정확히 일치해야 하나요?","r4tour.step3.2.title":"계좌번호 (마지막 4자리만)","r4tour.step3.2.body":"<strong>마지막 4자리만 입력하세요.</strong> 신청서에는 전체 계좌번호를 저장하지 않습니다. 대출 기관은 나중에 업로드한 명세서로 전체 번호를 확인합니다.","r4tour.step3.2.ask":"왜 제 계좌번호의 마지막 4자리만 요구하나요?","r4tour.step3.3.title":"잔액이 얼마인가요","r4tour.step3.3.body":"현재 잔액을 입력하세요(증권/은퇴 계좌는 시장 가치). 가장 가까운 달러로 반올림하세요. 대출 기관은 <strong>가장 최근 명세서 2개</strong>와 대조해 확인합니다.","r4tour.step3.3.ask":"제 계좌 잔액이 변동되는데, 어떤 숫자를 사용하나요?","r4tour.step3.4.title":"돈이 있는 모든 계좌를 추가하세요","r4tour.step3.4.body":"대출 기관은 <strong>2개월치 은행 명세서</strong>로 자산을 확인합니다. 입출금, 저축, 은퇴(401k/IRA), 증권, 심지어 암호화폐 계좌까지 포함하세요. 계좌를 빠뜨리는 것이 범죄는 아니지만, 목록에 없으면 그 자금을 클로징에 사용할 수 없습니다.","r4tour.step3.4.ask":"계약금에 사용하지 않는 계좌도 공개해야 하나요?","r4tour.step3.5.title":"증여금과 보조금에 관하여","r4tour.step3.5.body":"<strong>증여금(gift)</strong>은 이 대출을 위해 누군가가 주는, 갚지 않아도 되는 돈입니다. 필수 사항: 증여자가 서명한 <strong>증여서(gift letter)</strong> + 자금 이동을 보여주는 증빙 자료(송금 확인서, 입금 영수증). 증여서가 없으면 대출 기관은 이를 클로징에 산입하지 않습니다.","r4tour.step3.5.ask":"부모님이 계약금으로 $20K를 주시는데, 어떤 서류가 필요한가요?","r4tour.step3.6.title":"증여금에 대해 알려주세요","r4tour.step3.6.body":"유형(현금이 가장 일반적), 출처(친척, 고용주, 기관, 기타), 금액을 선택하세요. 각 증여금은 별도의 행으로 입력됩니다.","r4tour.step3.6.ask":"고용주가 계약금으로 증여금을 줄 수 있나요?","r4tour.step3.7.title":"선물 또는 지원금 추가 (선택 사항)","r4tour.step3.7.body":"<strong>이 대출을 위해 돈을 주는 사람이 없다면 건너뛰세요.</strong> 친척, 고용주 또는 지원금 기관이 마감 비용이나 계약금을 도와주는 경우 <strong>선물/지원금 추가</strong>를 클릭하세요. 각 증여자마다 별도의 행 + 각자의 선물 편지가 필요합니다.","r4tour.step3.7.ask":"부모님이 각각 따로 선물해 주십니다 — 선물을 하나로 적나요, 둘로 적나요?","r4tour.step3.7.action.primary":"선물 추가","r4tour.step3.7.action.secondary":"건너뛰기 — 선물 없음","r4tour.step4.0.title":"부채 추가 (선택 사항)","r4tour.step4.0.body":"<strong>신용카드, 자동차 대출, 학자금 대출이 없다면 건너뛰세요.</strong> 대부분의 대출자는 최소 하나는 있습니다 — 매월 부채는 모두 <strong>부채 대비 소득 (DTI)</strong> 비율에 반영되며, 이는 심사의 첫 번째 관문입니다. 부채 추가를 클릭하면 한 항목을 단계별로 안내해 드리겠습니다.","r4tour.step4.0.ask":"신용카드를 전혀 사용하지 않는데 — 그래도 적어야 하나요?","r4tour.step4.0.action.primary":"부채 추가","r4tour.step4.0.action.secondary":"건너뛰기 — 부채 없음","r4tour.step4.1.title":"부채 유형","r4tour.step4.1.body":"<strong>리볼빙</strong> = 신용카드 (잔액이 매월 변동). <strong>할부</strong> = 종료일이 있는 고정 월 납입금 (자동차 대출, 학자금 대출). <strong>리스</strong> = 자동차 또는 장비 리스. 신용 조회로 이미 입력되었다면 대개 변경할 필요가 없습니다.","r4tour.step4.1.ask":"제 자동차 대출은 신용조합에서 받은 것입니다 — 할부인가요, 리볼빙인가요?","r4tour.step4.2.title":"누구에게 빚이 있나요","r4tour.step4.2.body":'명

1세서에 표시된 그대로의 채권자 이름입니다 (예: <em>"Chase Card Services"</em>, <em>"Toyota Financial Services"</em>). 신용 조회가 신용 거래 기록이 있는 부채에 대해 이 항목을 채워 줍니다.',"r4tour.step4.2.ask":"신용 조회에 채권자 이름이 잘못 나옵니다 — 수정할 수 있나요?","r4tour.step4.3.title":"계좌 번호","r4tour.step4.3.body":"<strong>신용 조회로 이미 입력되었다면 건너뛰세요.</strong> 그렇지 않으면 마지막 4자리만 입력해도 됩니다. 형식은 신경 쓰지 마세요 — 대출 기관이 신용 평가 기관 기록과 대조합니다. 같은 발급사의 카드를 여러 개 가지고 있을 때 대출 기관이 구분할 수 있어 유용합니다.","r4tour.step4.3.ask":"신용 보고서에 제 계좌 번호가 가려져 있습니다 — 문제가 되나요?","r4tour.step4.4.title":"아직 얼마를 빚지고 있나요","r4tour.step4.4.body":"현재 잔액 (대출 기관이 신용 평가 기관 데이터와 다시 대조합니다). 신용카드의 경우 이것은 명세서 잔액입니다 — 매월 전액을 갚더라도 가장 최근 명세서 잔액은 여전히 반영됩니다.","r4tour.step4.4.ask":"매달 신용카드를 전액 상환하는데, 잔액이 그래도 계산에 포함되나요?","r4tour.step4.5.title":"월 납입금","r4tour.step4.5.body":"매월 요구되는 최소 납입금(보통 내시는 금액이 아님)입니다. 이는 <strong>부채 대비 소득 비율(DTI)</strong>에 바로 반영됩니다 — 대출 기관은 모든 최소 납입금 + 새 모기지를 합산한 뒤 총 월소득으로 나눕니다.","r4tour.step4.5.ask":"저는 항상 최소 금액보다 더 많이 내는데, 대출 기관은 최소 금액을 쓰나요, 아니면 실제 납입액을 쓰나요?","r4tour.step4.6.title":"남은 개월 수 (선택 사항)","r4tour.step4.6.body":"<strong>회전 신용 부채(신용카드는 끝이 없음)는 건너뛰세요.</strong> 할부 대출의 경우, 남은 납입 횟수를 기재하면 대출 기관이 <strong>남은 기간이 10개월 미만인 부채를 DTI에서 제외</strong>할 수 있습니다. 자동차 대출 상환이 거의 끝났다면 작성할 가치가 있습니다.","r4tour.step4.6.ask":"자동차 대출 납입이 6번밖에 안 남았는데도 계산에 포함되나요?","r4tour.step4.7.title":"클로징 전에 이 빚을 다 갚으실 건가요?","r4tour.step4.7.body":"이 항목을 체크하면 <strong>이 부채를 DTI에서 제외</strong>합니다. 대출 기관은 클로징 전에 상환 증빙(지급 완료된 수표, 잔액 0 명세서)을 요구합니다. DTI가 빠듯하다면 전략적입니다 — 월 $300 카드를 상환하면 대출 한도를 $90K까지 늘릴 수 있습니다.","r4tour.step4.7.ask":"클로징 전에 이 신용카드를 다 갚으면 더 큰 대출 승인에 도움이 되나요?","r4tour.step4.8.title":"재후순위화 (선택 사항)","r4tour.step4.8.body":"<strong>건너뛰세요 — 드문 경우이며 해당되면 대출 기관이 알려줍니다.</strong> 재후순위화란 기존의 2순위 담보권(HELOC, 동반 2ì°¨ 대출)이 새로운 1ì°¨ 모기지 뒤의 2순위로 다시 옮겨지는 것을 의미합니다. 대출 기관은 재후순위화된 부채를 DTI에서 제외합니다.","r4tour.step4.8.ask":'"재후순위화"가 무슨 뜻이고, 저에게 해당되는지 제가 알 수 있나요?',"r4tour.step4.9.title":"신용평가기관이 놓치는 것","r4tour.step4.9.body":"신용평가기관은 대부분의 거래 내역을 보지만, <strong>가족 간 대출, IRS 분할 납부 계획, 양육비, 배우자 부양비, 아직 보고되지 않은 사설 학자금 대출</strong>은 놓칩니다. 각 항목마다 <strong>부채 추가</strong>를 클릭하세요 — 신용 보고서에 보이지 않더라도 모두 DTI에 포함됩니다.","r4tour.step4.9.ask":"형제에게 $10K를 빚졌는데, 모기지 신청서에 이를 신고해야 하나요?","r4tour.step5.0.title":"이 부동산의 위치","r4tour.step5.0.body":"부동산의 전체 주소 — 도로명, 시, 주, 우편번호. 이것은 이번 대출로 자금을 조달하는 부동산이 <strong>아닙니다</strong> — ê·¸ 부동산은 다음 단계에 있습니다. 보유한 다른 모든 부동산을 기재하세요.","r4tour.step5.0.ask":"다른 사람과 공동 소유한 부동산도 기재해야 하나요?","r4tour.step5.1.title":"현재 가치","r4tour.step5.1.body":"현재 시장 가치에 대한 최선의 추정치(구입 당시 지불한 금액이 아님)입니다. 시작점으로 Zillow/Redfin의 Zestimate나 최근 유사 매매 사례를 참고하세요 — 필요하면 대출 기관이 감정평가로 확인합니다.","r4tour.step5.1.ask":"임대 부동산의 가치는 어떻게 추정하나요?","r4tour.step5.2.title":"보유, 매각, 아니면 진행 중인가요?","r4tour.step5.2.body":"<strong>보유(Retained)</strong> = 계속 소유합니다. <strong>진행 중(Pending)</strong> = 매각이 에스크로(escrow) 상태이지만 아직 완료되지 않았습니다. <strong>매각(Sold)</strong> = 이미 완료되었습니다. 상태에 따라 계산이 달라집니다 — 매각하면 DTI에서 모기지가 빠지ê

1³ , 보유하면 더해집니다.","r4tour.step5.2.ask":"예전 콘도를 매물로 내놨지만 아직 계약은 안 됐어요 — 이건 보유인가요, 진행 중인가요?","r4tour.step5.3.title":"사용 용도","r4tour.step5.3.body":"<strong>주거용(Primary)</strong> = 연중 거주하는 곳입니다. <strong>세컨드 홈(Second Home)</strong> = 가끔 방문하는 별장입니다. <strong>투자용(Investment)</strong> = 임대 중이거나 임대를 위해 비워둔 곳입니다. 세금 및 보험 규정이 다르며, 대출 기관이 세금 신고서와 대조 확인합니다.","r4tour.step5.3.ask":"예전 집에서 몇 년간 살다가 지금은 임대하고 있어요 — 어떤 거주 형태를 선택해야 하나요?","r4tour.step5.4.title":"유지 비용","r4tour.step5.4.body":"월 재산세 + 주택 보험 + HOA 회비를 합한 금액입니다. 부동산을 보유하는 경우 이 비용들이 DTI에서 불리하게 계산됩니다. 완납된 부동산에도 이러한 비용이 발생합니다.","r4tour.step5.4.ask":"재산세 고지서가 연 단위인데 — 월별 금액은 어떻게 구하나요?","r4tour.step5.5.title":"임대 소득 (있는 경우)","r4tour.step5.5.body":"<strong>이 부동산에 본인이 거주하거나 비어 있는 경우 건너뛰세요.</strong> 임대하는 경우, 여기에 입력하는 총 월 임대료가 <strong>자격 요건을 충족하는 데 도움이 될 수 있습니다</strong> — 대출 기관은 <strong>총 임대료의 75%</strong>를 소득으로 계산합니다 (25%를 제외하는 것은 공실 + 유지보수를 감안한 것입니다). 서명된 임대 계약서 또는 2년치 Schedule E가 필요합니다.","r4tour.step5.5.ask":"Airbnb로 지하실을 임대하고 있어요 — 그것도 임대 소득에 포함되나요?","r4tour.step5.6.title":"이 부동산에 모기지 추가 (선택 사항)","r4tour.step5.6.body":"<strong>부동산이 완납된 경우 건너뛰세요.</strong> 그렇지 않으면 <strong>모기지 추가</strong>를 클릭하여 이 부동산을 담보로 하는 대출을 기록하세요 (지금 신청 중인 새 대출이 아닙니다). DTI에 매우 중요합니다 — 대출 기관이 이 상환액을 귀하의 채무에 합산합니다.","r4tour.step5.6.ask":"이 부동산에 HELOC이 있어요 — 그건 별도 항목인가요?","r4tour.step5.6.action.primary":"모기지 추가","r4tour.step5.6.action.secondary":"건너뛰기 — 완납됨","r4tour.step5.7.title":"다른 부동산 추가 (선택 사항)","r4tour.step5.7.body":"<strong>다른 부동산을 소유하고 있지 않다면 건너뛰세요.</strong> 두 ê³³ 이상 소유하고 있다면 각각에 대해 <strong>다른 부동산 추가</strong>를 클릭하세요. 완납된 부동산도 중요합니다 — 대출 기관은 권리 증서 기록에서 이를 확인하며, 누락된 부분에 대한 설명을 요구합니다.","r4tour.step5.7.ask":"조부모님으로부터 부동산을 상속받았어요 — 그것도 목록에 기재해야 하나요?","r4tour.step5.7.action.primary":"다른 부동산 추가","r4tour.step5.7.action.secondary":"건너뛰기 — 추가 부동산 없음","r4tour.step6.0.title":"대출받고 싶은 금액","r4tour.step6.0.body":"대출 금액(구매 가격이 아님)입니다. 20% 계약금을 낸 $500K 주택의 경우 <strong>$400,000</strong>을 입력합니다. 대부분 카운티의 conforming 한도는 $766,550(2024년)이며, 이를 초과하면 요건이 더 엄격한 jumbo 영역에 들어갑니다.","r4tour.step6.0.ask":"대출 금액과 구매 가격의 차이는 무엇인가요?","r4tour.step6.1.title":"주택의 예상 가치","r4tour.step6.1.body":"구매의 경우 이것은 <strong>제안 가격</strong>입니다. 재융자의 경우 현재 시장 가치에 대한 최선의 추정치입니다. 대출 기관은 이를 확인하기 위해 감정을 의뢰합니다 — 감정가가 더 낮게 나오면 마감 시 현금을 더 마련해야 할 수 있습니다.","r4tour.step6.1.ask":"감정가가 제 제안 가격보다 낮게 나오면 어떻게 되나요?","r4tour.step6.2.title":"구매하시나요, 재융자하시나요?","r4tour.step6.2.body":"새 집을 구매하는 경우 <strong>구매</strong>를 선택하세요. 이미 이 부동산을 소유하고 있고 기존 모기지를 대체하려면 <strong>재융자</strong>를 선택하세요 — 재융자에는 여러 종류가 있습니다(rate-and-term은 납입금

1을 낮추고, cash-out은 자산 가치를 현금화할 수 있게 합니다).","r4tour.step6.2.ask":"cash-out 재융자란 무엇이며 언제 하는 것이 합리적인가요?","r4tour.step6.3.title":"부동산 유형","r4tour.step6.3.body":"<strong>단독주택</strong> = 독립된 주택. <strong>Condo</strong> = 건물 내 한 세대(대출 기관이 콘도 프로젝트를 검토함). <strong>타운하우스</strong> = 붙어 있지만 토지를 소유함. <strong>다세대주택</strong> = 2~4세대. <strong>기타</strong> = 특이한 유형(드묾).","r4tour.step6.3.ask":"듀플렉스를 구매해서 한 세대에 거주하려고 하는데 — 어떤 부동산 유형인가요?","r4tour.step6.4.title":"어떻게 사용할 것인지","r4tour.step6.4.body":"<strong>주 거주지</strong> — 최고의 금리, 가장 낮은 계약금(FHA 3.5%, 일반 대출 5%). 미리 선택된 항목은 없습니다. 휴가용 부동산이면 세컨드 홈(최소 약 10% 계약금)으로, 임대할 예정이면 투자용 부동산(<strong>25% 계약금 + 약 0.75% 더 높은 금리</strong>)으로 변경하세요. 대출 기관은 마감 후 거주 확인을 통해 검증합니다.","r4tour.step6.4.ask":"내년에 임대할 계획인데 주 거주지 대출을 받을 수 있나요?","r4tour.step6.5.title":"부동산의 도로명과 도시","r4tour.step6.5.body":"융자받는 주택의 도로명 주소와 도시입니다. 아직 완성된 주소가 없는 신축의 경우 구매 계약서의 필지 설명을 사용하세요.","r4tour.step6.5.ask":"아직 도로 번호가 없는 신축을 구매하는데 — 무엇을 입력하나요?","r4tour.step6.6.title":"주(State)와 ZIP","r4tour.step6.6.body":"대상 부동산의 주(state)와 ZIP 코드입니다. 5자리 ZIP을 입력하세요 — Unified Loan System가 HMDA 및 침수 구역 조회를 위해 카운티와 tract를 자동으로 찾아줍니다.","r4tour.step6.6.ask":"제 ZIP 코드가 대출에 왜 중요한가요?","r4tour.step6.7.title":"부동산 정보 — 예상 가치","r4tour.step6.7.body":"주소를 입력하면 Unified Loan System가 해당 부동산의 <strong>공공 기록</strong>을 가져옵니다 — <strong>예상 가치</strong>(Zestimate 방식)와 함께 대지 면적, 건축 연도, 침실/욕실 수, 최근 매매 내역을 포함합니다. 이를 귀하의 <strong>대출 금액 + 매입 가격</strong>과 대조하여 이후 금리 고정이 합리적인 LTV 수준을 유지하도록 합니다.","r4tour.step6.7.ask":"이 부동산 데이터는 어디서 오며 얼마나 정확한가요?","r4tour.step6.8.title":"연간 재산세 + HOA","r4tour.step6.8.body":"귀하의 DTI에 반영되는 두 가지 비용: <strong>연간 재산세</strong>(카운티에서 산출)와 <strong>HOA 회비</strong>(귀하의 ZIP 내 비교 매물로 추정). 대출 기관은 둘 다 월 납입금에 포함합니다. 실제 HOA가 추정치보다 높으면 DTI가 빡빡해지므로, 반드시 <strong>마감(closing) 시 HOA를 확인</strong>하세요.","r4tour.step6.8.ask":"재산세 + HOA가 제 자격 심사용 DTI에 어떤 영향을 주나요?","r4tour.step6.9.title":"인근 최근 매매","r4tour.step6.9.body":"이는 귀하의 주소에서 약 0.5마일 이내의 <strong>실제 최근 매매</strong>입니다 — 매칭 가능한 경우 동일한 침실/욕실/평방피트 등급입니다. 대출 기관은 바로 이런 비교 매물로 <strong>감정가를 역검증</strong>합니다. 매입 가격이 지역 비교 매물보다 훨씬 높으면 감정 단계에서 이의가 제기될 수 있습니다.","r4tour.step6.9.ask":"이 비교 매물은 어디서 오며 제 감정가가 맞지 않으면 어떻게 되나요?","r4tour.step6.10.title":"이 안에 사업장이 있나요?","r4tour.step6.10.body":"<strong>부동산이 순수 주거용이면 건너뛰세요.</strong> 부동산의 일부가 상업 용도로 지정된 경우에만 체크하세요(예: 아래층은 상점, 위층은 아파트). 재택 사무실에서 일하는 것은 해당되지 않습니다. 복합 용도 대출은 <strong>특별 프로그램</strong>과 더 엄격한 심사가 필요합니다.","r4tour.step6.10.ask":"저는 재택근무를 하는데 — 그러면 복합 용도가 되나요?","r4tour.step6.11.title":"조립식/이동식 주택인가요?","r4tour.step6.11.body":"<strong>현장에서 지은 전통 주택을 구매하는 경우 건너뛰세요.</strong> 공장에서 제작된 조립식/이동식 주택일 때만 체크하세요(모듈러 주택은 제외 — 모듈러도 공장 제작이지만 영구 기초 위에 설치되어 전통 주택으로 간주됨). 조립식 주택은 <strong>특정 대출 프로그램</strong>(FHA Title I/II, Freddie ChoiceHome)이 필요합니다.","r4tour.step6.11.ask":"주택이 조립식인지 모듈러인지 어떻게 구분하나요?","r4tour.step6.12.title":"생애 첫 주택 구입자이신가요?","r4tour.step6.12.body":"<strong>지난 3년 이내에 주 거주 주택을 소유한 적이 있으면 건너뛰세요.</strong> 아니라면 체크하세요 — 첫 주택 구입자 자격은 관대해서(마지막 주 거주 주택 이후 3년만 지나면 됨), 컨벤셔널 대출에서 <strong>계약금 지원 프로그램 + PMI 인하</strong>를 열어줍니다. 챙길 만합니다.","r4tour.step6.12.ask":"10년 전에 집을 소유한 적이 있는데 — 그래도 생애 첫 주택 구입자인가요?","r4tour.step6.13.title":"같은 부동산에 다른 대출이 있나요?","r4tour.step6.13.body":"<strong>대부분의 대출자는 이 항목을 $0으로 둡니다.</strong> <strong>피기백 2차 모기지</strong>(첫 대출의 PMI를 피하기 위한 두 번째 대출)를 진행하거나, 재융자하려는 부동산에 기존 HELOC이 있는 경우에만 금액을 입력하세요.","r4tour.step6.13.ask":"피기백 대출이란 무엇이며 왜 필요할까요?","r4tour.step6.14.title":"이 부동산에서 예상되는 임대 수입","r4tour.step6.14.body":"<strong>거주 유형이 투자용 부동산이 아니면 건너뛰세요.</strong> 투자용이라면 이 항목이 중요합니다. 대출기관은 <strong>예상 총 임대료의 75%</strong>를 상쇄 소득으로 계산합니다(25% 차감분은 공실과 유지비를 감안한 것). 이는 자격 충족 여부를 가를 수 있습니다.","r4tour.step6.14.ask":"임대 수입이 투자용 부동산 대출 자격에 어떻게 도움이 되나요?","r4tour.step6.15.title":"월별 HOA 회비","r4tour.step6.15.body":"<strong>해당 부동산에 HOA가 없으면 건너뛰세요.</strong> 있다면 월 회비가 주택 납입금(PITI + HOA)에 더해져 DTI에 영향을 줍니다. 금액은 매물 정보나 매도인 공시에서 확인하세요. 확실하지 않으면 비워 두면 브로커가 확인해 드립니다.","r4tour.step6.15.ask":"제 콘도에는 일반 HOA 회비 외에 특별 부과금이 있습니다. 무엇을 입력해야 하나요?","r4tour.step7.0.title":"여기에 거주하실 건가요?","r4tour.step7.0.body":"예 = 주 거주지 대출(최적 금리, 최저 계약금). 아니요 = 투자용 또는 세컨드 홈(높은 금리, 많은 계약금). 대출기관은 클로징 후 거주 확인으로 검증하며, 여기서 거짓을 말하면 <strong>거주 사기</strong>에 해당합니다.","r4tour.step7.0.ask":"결국에는 입주할 계획이지만 먼저 1년간 임대할 예정입니다. 어떻게 답해야 하나요?","r4tour.step7.1.title":"매도인을 개인적으로 아시나요?","r4tour.step7.1.body":'매도인이 가족, 사업 파트너이거나 밀접한 관계가 있으면 이는 <strong>비독립 거래(non-arm’s-length)</strong>가 됩니다. 대출기관은 추가 감정 심사를 요구하며, 매도인이 할인을 제공하는 경우 "지분 증여(gift of equity)" 서한이 필요합니다.',"r4tour.step7.1.ask":"부모님 집을 할인된 가격에 사려고 합니다. 이것이 대출에 영향을 주나요?","r4tour.step7.2.title":"저희에게 알리지 않은 빌린 돈이 있나요?","r4tour.step7.2.body":'이 항목은 가족으로부터의 <strong>미공개 계약금 대출</strong>, 매도인 크레딧, "친구에게 빌린 돈" 등을 잡아냅니다. 권원회사와 대출기관은 클로징 전에 자금 출처를 재확인합니다. "예"여야 할 것을 "아니요"로 답하면 클로징 후 대출이 취소될 수 있습니다.',"r4tour.step7.2.ask":"부모님이 계약금을 공개하지 않고 빌려주실 수 있나요?","r4tour.step7.3.title":"다른 모기지도 신청 중이신가요?","r4tour.step7.3.body":"이 대출이 클로징되기 전에 다른 곳에서 2차 모기지를 신청하고 있다면 예라고 답하세요. 대출기관은 다른 대출이 아직 실행되지 않았더라도 그 납입금

1을 <strong>DTI</strong>에 합산합니다. 숨기면 클로징 전 신용 재조회에서 드러납니다.","r4tour.step7.3.ask":"두 군데 대출기관에서 사전 승인을 받았습니다. 둘 다 공개해야 하나요?","r4tour.step7.4.title":"클로징 전에 새 신용 계좌를 개설하실 건가요?","r4tour.step7.4.body":"대출 기관은 <strong>클로징 ë©°ì¹  전에 신용을 다시 조회</strong>합니다. ê·¸ 기간에 새 신용카드를 발급받거나, 소파를 할부로 사거나, 자동차 대출을 신청하면 신용 점수가 떨어지고 언더라이팅이 다시 시작될 수 있습니다. 가장 쉬운 답: 신청부터 클로징까지는 새 신용을 만들지 마세요.","r4tour.step7.4.ask":"지금 당장 새 차가 필요한데 — 클로징 후까지 기다려야 하나요?","r4tour.step7.5.title":"이 부동산에 우선순위 담보권(priority lien)이 있나요?","r4tour.step7.5.body":"우선순위 담보권 = 등기상 새 모기지보다 앞서는 것(세금 담보권, 공사 담보권, HOA 부과금, PACE 대출). 클로징 전에 해소해야 합니다. 대부분의 대출자는 '아니요'로 답합니다.","r4tour.step7.5.ask":"PACE 대출이 뭔가요? 이 부동산에 있는지 어떻게 알 수 있나요?","r4tour.step7.6.title":"다른 사람의 대출에 공동 서명(co-signer)했나요?","r4tour.step7.6.body":"자녀의 학자금 대출이나 형제자매의 자동차 대출에 공동 서명했다면, 본인이 납부하지 않더라도 책임이 있습니다. 주 대출자가 12개월 동안 제때 납부했음을 증명할 수 없으면 DTI에서 <strong>우발 부채(contingent liability)</strong>로 계산됩니다.","r4tour.step7.6.ask":"딸의 학자금 대출에 공동 서명했는데 — 제 모기지에 불리하게 작용하나요?","r4tour.step7.7.title":"미결제 판결(judgment)이 있나요?","r4tour.step7.7.body":"판결 = 법원이 무언가를 지불하라고 명령한 것(소액 청구, 이혼 합의금 잔액 등). 미납 판결은 보통 클로징 전에 갚아야 합니다. 민사 법원 기록은 공개되어 있어 대출 기관이 찾아냅니다.","r4tour.step7.7.ask":"몇 년 전 소액 청구 판결이 있는데 — ê¼­ 갚아야 하나요?","r4tour.step7.8.title":"연방 부채를 연체하고 있나요?","r4tour.step7.8.body":"대부분의 대출 프로그램에서 <strong>자동 거절 사유</strong>입니다. 연체된 연방 학자금 대출, 납부 계획 없는 IRS 체납 세금, 양육비 미납, 연체된 연방 소상공인 대출 등. 먼저 문서화된 납부 계획을 세우세요.","r4tour.step7.8.ask":"학자금 대출을 소득 기반 상환 계획으로 갚고 있는데 — 연체 상태인가요?","r4tour.step7.9.title":"돈을 물어줘야 할 수 있는 소송에 연루되어 있나요?","r4tour.step7.9.body":"본인이 피고이고 금전적 책임을 질 수 있는 진행 중인 민사 소송. 미해결된 금전 분쟁이 없는 한 이혼은 포함되지 않습니다. 본인이 다른 사람을 고소한 경우(원고)는 해당되지 않습니다.","r4tour.step7.9.ask":"이혼 중인데 — 이 양식에서 소송으로 간주되나요?","r4tour.step7.10.title":"지난 7년 안에 압류(foreclosure)로 부동산을 잃은 적이 있나요?","r4tour.step7.10.body":"대물변제(deed-in-lieu), 단기 매각(short sale), 일반 압류를 포함합니다. 대부분의 대출 프로그램은 해당 사건 이후 <strong>7년</strong>을 요구합니다(의료적 어려움 같은 문서화된 정상 참작 사유가 있으면 더 짧을 수 있음).","r4tour.step7.10.ask":"5년 전에 단기 매각(short sale)을 했는데 — 그래도 모기지를 받을 수 있나요?","r4tour.step7.11.title":"지난 7년 안에 파산 신청을 한 적이 있나요?","r4tour.step7.11.body":"제7장, 11장, 12장, 13장 파산이 포함됩니다. <strong>예라고 답하시면 어느 장인지 여쭤볼게요.</strong> 대기 기간은 다릅니다: 제7장 = 4년(FHA: 2년). 제13장 = 면책일로부터 2년, 또는 1년간 상환 완료 + 법원 승인.","r4tour.step7.11.ask":"3년 전에 제13장 파산을 신청했고 면책되었는데, 자격이 될까요?","r4tour.step7.12.title":"예라고 답한 항목을 설명해 주세요","r4tour.step7.12.body":"<strong>모든 항목에 아니요라고 답했다면 건너뛰세요.</strong> 어떤 진술에든 예라고 답했다면, 여기에 설명을 작성하시기를 <strong>적극 권장</strong>합니다 — 항목별로 몇 문장씩: 무슨 일이 있었는지, 언제, 현재 상태(완납 / 상환 계획 진행 중 / 진행 중). 어느 쪽이든 대출 기관은 공식 설명서를 요구하므로, 이 초안이 출발점이 되어 줍니다.","r4tour.step7.12.ask":"제 설명서는 얼마나 자세히 작성해야 하나요?","r4tour.step8.0.title":"확인 및 동의","r4tour.step8.0.body":"이것은 신청서를 제출하기 전의 <strong>법적 약속</strong>입니다. 번호가 매겨진 여섯 가지 항목: (1) 제공하신 정보가 사실이고, (2) 해당 부동산이 대출의 담보가 되며, (3) 감정평가는 대출 기관을 위한 것이고, (4) 전자서명에 동의하며, (5) 연체 납부는 신용에 영향을 미치고, (6) 대출 기관이 귀하의 정보를 확인하는 것을 승인합니다. 각 항목을 읽은 다음, 계속하려면 하단의 체크박스를 선택하세요. 모기지 신청서에 거짓을 기재하는 것은 연방 범죄(18 U.S.C. \xa7 1014)이므로 천천히 살펴보세요.","r4tour.step8.0.ask":"이 체크박스를 선택하면 실제로 무엇에 동의하는 건가요?","r4tour.step9.0.title":"본인(또는 작고하신 배우자)이 êµ° 복무를 하셨나요?","r4tour.step9.0.body":"재향군인과 현역 복무 중인 군인은 $0 계약금, PMI 없음, 경쟁력 있는 금리의 <strong>VA 대출</strong> 자격이 됩니다. 단 하루의 자격 복무도 인정됩니다. 복무 중 사망한 군인의 생존 배우자도 자격이 됩니다.","r4tour.step9.0.ask":"주방위군에서 2년 복무했는데, VA 대출 자격이 될까요?","r4tour.step9.1.title":"현재 현역 복무 중이신가요?","r4tour.step9.1.body":"현재 복무 중이라면 이 항목을 선택하세요 — VA ë

1Œ€ì¶œ 자격을 <strong>강화</strong>하며, 대출 기관은 DD-214 외에 현재의 복무 확인서(Statement of Service)를 요구합니다.","r4tour.step9.1.ask":"아직 현역 복무 중인데 DD-214가 필요한가요?","r4tour.step9.2.title":"군인의 생존 배우자이신가요?","r4tour.step9.2.body":"배우자가 복무 중 또는 복무 관련 장애로 사망한 경우, 그분의 VA 혜택을 사용하실 수 있습니다 — 생존 배우자를 위한 특별 VA 자격 증명서(Certificate of Eligibility)가 필요합니다. 담당 브로커가 신청을 도와드릴 수 있습니다.","r4tour.step9.2.ask":"생존 배우자로서 VA 자격 증명서(Certificate of Eligibility)는 어떻게 받나요?","r4tour.step9.3.title":"인구통계 정보를 묻는 이유","r4tour.step9.3.body":"연방법(<strong>HMDA</strong>, 주택담보대출 공시법)에 따라 대출 기관은 반드시 질문하도록 되어 있습니다. <strong>답변은 선택 사항</strong>이며 — 거부해도 신청, 금리, 승인 가능성에 영향을 주지 않습니다. 이 데이터는 공정 대출 준수 여부를 모니터링하기 위해 집계된 형태로 보고되며, 귀하의 대출 결정에는 절대 사용되지 않습니다.","r4tour.step9.3.ask":"모기지 신청서에서 제 인종과 민족을 묻는 이유는 무엇인가요?","r4tour.step9.4.title":"민족","r4tour.step9.4.body":"하나를 선택하세요: <em>히스패닉 또는 라틴계</em>, <em>히스패닉 또는 라틴계 아님</em>, 또는 <em>제공하고 싶지 않음</em>. 히스패닉 또는 라틴계를 선택하면 세부 항목(멕시코계, 푸에르토리코계, 쿠바계 또는 기타 히스패닉)을 묻습니다.","r4tour.step9.4.ask":"혼합 혈통인 경우 민족은 어떻게 답해야 하나요?","r4tour.step9.5.title":"성별","r4tour.step9.5.body":'세 가지 옵션: 남성, 여성, 또는 "제공하고 싶지 않음". HMDA 목적상 연방 정의에 따라 이는 출생 시 지정된 성별이며, 성 정체성에 대한 진술이 아닙니다.',"r4tour.step9.5.ask":"성 정체성이 출생 시 지정된 성별과 다른 경우 어떻게 하나요?","r4tour.step9.6.title":"인종","r4tour.step9.6.body":'<strong>해당하는 모든 항목을 선택하세요.</strong> 일부 범주에는 하위 옵션이 있습니다(아시아계 → 중국계/일본계/한국계 등; 태평양 섬 주민 → 하와이 원주민/사모아계 등). 미국 원주민 또는 알래스카 원주민은 부족 이름을 묻습니다. "제공하고 싶지 않음" 옵션도 있습니다.',"r4tour.step9.6.ask":"저는 다인종입니다 — 두 개 이상의 항목을 선택하나요?","r4tour.step9.7.title":"이 데이터로 무엇을 하나요","r4tour.step9.7.body":"대출 기관은 매년 집계된 HMDA 데이터를 CFPB에 제출합니다. 이 데이터는 <strong>공정 대출 패턴</strong>을 추적합니다 — 특정 집단이 더 자주 거절되는지, 더 나쁜 금리를 받는지 등. CFPB와 기자들은 이를 차별을 발견하는 데 사용합니다. 개인 답변은 절대 공개되지 않습니다.","r4tour.step9.7.ask":"대출이 완료된 후 HMDA 데이터는 어디서 ë³¼ 수 있나요?","r4tour.step10.0.title":"전자 서명 동의","r4tour.step10.0.body":"종이 대신 <strong>전자 방식</strong>으로 공시를 받고 대출 서류에 서명하는 데 동의하는 것입니다. <em>E-Sign Act</em>에 따라 전자 서명은 법적으로 동등합니다. 언제든지 철회할 수 있지만, 늦게 철회하면 마감이 지연될 수 있습니다.","r4tour.step10.0.ask":"전자 서명 동의를 철회하면 제 신청서에 실제로 어떤 영향이 있나요?","r4tour.step10.1.title":"신용 조회 승인","r4tour.step10.1.body":"중개인이 도매 대출 기관을 통해 신용 보고서를 조회하도록 허용하는 것입니다. 이 단계에서는 보통 <strong>하드 조회(hard pull)</strong>입니다(이전의 소프트 조회는 부채 사전 입력용이었습니다). 하드 조회는 약 12개월 동안 점수를 3~5점 낮추지만, <strong>14일</strong>

1 이내의 여러 모기지 조회는 하나로 계산됩니다.","r4tour.step10.1.ask":"제 신용에서 소프트 조회와 하드 조회의 차이는 무엇인가요?","r4tour.step10.2.title":"서비스 약관","r4tour.step10.2.body":"제공한 정보가 사실임을 확인하고 플랫폼의 서비스 약관 및 개인정보 처리방침에 동의하는 것입니다. 약관 링크는 하단에 있습니다. 아직 읽지 않았다면 한 번 읽어 보세요.","r4tour.step10.2.ask":"전체 서비스 약관은 어디서 찾을 수 있나요?","r4tour.step10.3.title":"선택적 SMS 알림","r4tour.step10.3.body":"<strong>이메일만 받고 싶다면 건너뛰어도 됩니다.</strong> 세 가지 선택 항목: <em>보안 및 인증</em>(2FA 코드), <em>대출 상태 및 운영 업데이트</em>(상태 알림), <em>서류, 클로징 및 전자 서명 알림</em>. 원하는 대로 조합해 선택하세요 — 필수 항목은 없습니다. 메시지 및 데이터 요금이 부과될 수 있습니다. 언제든지 <strong>STOP</strong>이라고 답장하면 수신을 거부할 수 있습니다.","r4tour.step10.3.ask":"이 항목들을 선택하면 마케팅 문자를 받게 되나요, 아니면 상태 업데이트만 받게 되나요?","r4tour.cfg.dashboard.0.title":"관제 센터에 오신 것을 환영합니다","r4tour.cfg.dashboard.0.body":'<p class="vt-summary">이곳은 대시보드입니다 — 신청부터 열쇠를 손에 쥘 때까지 대출의 모든 것을 추적하는 단 하나의 공간입니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>실시간 대출 상태</strong><span>단계, 오늘 대 예상 진행도, 현재 걸림돌</span></li><li><strong>처리 대기 요청</strong><span>저희가 필요로 하는 모든 항목, 오래된 것부터</span></li><li><strong>공급업체 진행 상황</strong><span>여섯 개 영역(신용, 감정, 권원…)ê³¼ 예상 완료 시점</span></li><li><strong>문서 허브</strong><span>한곳에서 모든 것을 업로드, 추적, 확인</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">유용한 팁</span>\n            <span>먼저 이 페이지의 각 항목을 강조해 보여드린 뒤, 사이트의 나머지 부분(금리, 계산기, 신청서, 문서, 옵션, 설정)을 안내해 드립니다.</span>\n        </div>\n        <p class="vt-next-hint"><strong>다음</strong>을 클릭하여 대출 상태 패널을 확인하세요.</p>',"r4tour.cfg.dashboard.1.title":"대출 상태","r4tour.cfg.dashboard.1.body":'<p class="vt-summary">카드 하나로 전체를 한눈에 — 대출이 어디까지 왔는지, 누가 진행을 늦추고 있는지, 그리고 일정에 얼마나 맞춰 가고 있는지.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>진행 링</strong><span>8개 마일스톤 중 완료 비율</span></li><li><strong>타임라인 바</strong><span>각 단계의 도달 / 진행 중 / 예정 상태</span></li><li><strong>속도 표시</strong><span>빨강 = 평균. 황색 = 현재 당신의 위치.</span></li><li><strong>카운트 타일</strong><span>진행 중 / 완료 / 주의 필요 항목을 자세히 보기</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.2.title":"대출 건전성 점수","r4tour.cfg.dashboard.2.body":'<p class="vt-summary">파일이 어떻게 진행되고 있는지 빠르게 확인 — 100점 만점 점수에, 구간 상태(정상 진행, 주의 필요, 조치 필요)와 점수를 떨어뜨리는 요인까지 함께 보여줍니다.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">유용한 팁</span>\n            <span>"주의 필요"가 보이면, 가장 빠른 해결책은 보통 가장 ì˜

1¤ëž˜ëœ 처리 대기 요청을 해결하는 것입니다 — 이런 요청은 시간이 지나면 "기한 초과"가 되며, 대출이 클로징 날짜를 놓치는 가장 큰 원인입니다.</span>\n        </div>',"r4tour.cfg.dashboard.3.title":"담당 대출 상담사","r4tour.cfg.dashboard.3.body":'<p class="vt-summary">이분이 그동안 함께 일해온 LO가 맞는지 다시 한번 확인하세요. 금리, 시나리오, ì¡°ê±´, 특이한 사례 등 사람이 직접 봐야 하는 모든 일에 대한 직접 연락 창구입니다.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">유용한 팁</span>\n            <span>이름이나 연락처가 잘못된 것 같으면 대시보드 하단의 채팅 버튼으로 메시지를 보내 주세요. 다시 배정해 드리겠습니다.</span>\n        </div>',"r4tour.cfg.dashboard.4.title":"공동 차용인 추가","r4tour.cfg.dashboard.4.body":'<p class="vt-summary">배우자나 파트너와 함께 주택을 구입하거나 재융자하시나요? 여기서 초대하세요. 그들은 자신의 1003 절반을 작성할 수 있는 보안 링크가 담긴 이메일을 받게 됩니다 — 당신의 로그인 정보를 공유할 필요가 없습니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>이메일 초대</strong><span>즉시 발송되며, 링크는 7일 후 만료됩니다</span></li><li><strong>본인 전용 로그인</strong><span>본인 이메일 + 직접 정한 비밀번호로 로그인합니다</span></li><li><strong>주도권은 당신에게</strong><span>그들의 상태를 보거나, 초대를 다시 보내거나, 접근 권한을 취소할 수 있습니다</span></li>\n            </ul>\n        </div>',"r4tour.cfg.dashboard.5.title":"그리고 단계 보기","r4tour.cfg.dashboard.5.body":'<p class="vt-summary">같은 대출을 한 번에 한 단계씩 봅니다. 신청 → 가격 책정 → 처리 → 심사 → ì¡°ê±´ → 클로징 준비 완료 사이를 스와이프(또는 탭)하며 각 단계에서 무슨 일이 일어나고 무엇이 예상되는지 확인하세요.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">유용한 팁</span>\n            <span>방금 전체 순서를 한 번 보여드렸으니 여섯 단계를 모두 보셨습니다. 이제 당신의 손이 가장 많이 필요한 두 단계, 가격 책정과 처리에서 잠시 멈춰 보겠습니다.</span>\n        </div>',"r4tour.cfg.dashboard.6.title":"가격 책정 — 최고의 금리를 실시간으로","r4tour.cfg.dashboard.6.body":'<p class="vt-summary">신청서가 접수되면 브로커 네트워크의 모든 도매 대출기관에서 실시간 가격을 가져와 당신의 상황에 가장 잘 맞는 단 하나의 조건을 보여드립니다. 여기서는 보기 전용이며, 금리 잠금은 브로커 쪽에서 이루어집니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>최고 금리 배너</strong><span>지금 당신의 파일에 가장 경쟁력 있는 단 하나의 제안</span></li><li><strong>월 P&I</strong><span>원금 + 이자, 이 금리를 대출 금액에 적용해 계산</span></li><li><strong>할인 포인트</strong><span>최저가가 par인지, 아니면 금리 인하(buy-down)를 포함하는지</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">유용한 팁</span>\n            <span>금리는 매일 — 때로는 하루 중에도 — 변동합니다. 마음에 드는 금리가 보이면 담당 대출 상담사에게 잠금을 문의하세요. ë

1„매 금리표가 업데이트될 때마다 이 카드를 새로 고칩니다.</span>\n        </div>',"r4tour.cfg.dashboard.7.title":"문서를 끌어다 놓으세요","r4tour.cfg.dashboard.7.body":'<p class="vt-summary">이곳이 처리 단계의 핵심입니다. 이 영역 어디에나 문서를 끌어다 놓으면 AI가 자동으로 분류합니다 — 급여명세서는 소득, 은행 명세서는 자산, 매매 계약서는 부동산으로 들어갑니다. 직접 라벨을 붙일 필요가 없습니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>여러 파일 한 번에</strong><span>폴더 전체를 한 번에 끌어다 놓으세요 — 모두 정리해 드립니다</span></li><li><strong>자동 인식</strong><span>OCR이 각 페이지를 읽고 무엇인지 파악합니다</span></li><li><strong>휴대폰 업로드 지원</strong><span>사진을 찍어 카메라 앨범에서 바로 끌어다 놓으세요</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">유용한 팁</span>\n            <span>은행 명세서는 반드시 모든 페이지를 포함해야 합니다(그렇습니다, 마지막의 빈 페이지까지도) — 대출기관은 일부만 있는 명세서를 거부합니다. 페이지 수가 맞지 않으면 AI가 경고해 드립니다.</span>\n        </div>',"r4tour.cfg.dashboard.8.title":"주택 소유자 보험 — 최대한 빨리 처리하세요","r4tour.cfg.dashboard.8.body":'<p class="vt-summary">심사가 통과되기 전에 대출기관이 보험 명세 페이지(declarations page)를 요청할 수 있도록 주택 소유자 보험 대리인의 연락처가 일찍 필요합니다. 이것이 빠지는 것이 대출이 클로징 날짜를 놓치는 가장 흔한 원인입니다.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">유용한 팁</span>\n            <span>아직 대리인이 없다면 담당 대출 상담사에게 추천을 요청하세요 — 그들은 늘 보험사와 일하기 때문에 보통 하루 이틀 안에 경쟁력 있는 견적을 받아 줄 수 있습니다.</span>\n        </div>',"r4tour.cfg.dashboard.9.title":"주의가 필요합니다","r4tour.cfg.dashboard.9.body":'<p class="vt-summary">여기는 처리해야 할 작업 목록입니다. 여기 있는 모든 항목은 당신을 기다리고 있어요 — 보통 서명이 필요한 공시 문서(Loan Estimate, Closing Disclosure 등)이거나 대출 기관이 누락되었다고 표시한 서류입니다.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>여기 들어올 때마다 이 항목들을 가장 먼저 처리하세요. 대출 기관은 서명이 연체된 모든 파일의 심사를 중단합니다.</span>\n        </div>',"r4tour.cfg.dashboard.10.title":"저희가 요청하는 모든 서류","r4tour.cfg.dashboard.10.body":'<p class="vt-summary">작업 행 아래에는 저희가 필요로 하는 각 카테고리의 열이 표시됩니다: 신원, 소득, 자산, 부동산, 공시. 각 서류는 완료됨(녹색) 또는 당신을 기다리는 중(호박색)으로 표시됩니다. 심사를 진행하려면 이 서류들이 모두 필요합니다.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>어떤 요청이 무슨 뜻인지 잘 모르겠다면(예: "은행 거래 명세서 2개월치 — 전체 페이지"), 해당 서류를 누르면 무엇이 해당되는지 쉬운 말로 예시를 보여 드립니다.</span>\n        </div>',"r4tour.cfg.dashboard.11.title":"막히셨나요? 사람에게 물어보세요.","r4tour.cfg.dashboard.11.body":'<p class="vt-summary">헷갈리는 서류가 있나요? 미루지 마세요 — 담당 대출 상담사나 면허를 가진 브로커가 거의 모든 질문을 메시지 한 통으로 해결해 드립니다.</p>\n        \n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">팁</span>\n            <span>응답 속도는 제때 마감하는 데 가장 큰 영향을 미치는 요인입니다. 4시간 이내에 답하는 차용인은 48시간 이내에 답하는 차용인보다 평균 약 9일 더 빨리 마감합니다.</span>\n        </div>\n        <p class="vt-next-hint"><strong>다음</strong>을 클릭해 오늘의 실시간 금리로 이동하세요.</p>',"r4tour.cfg.rates.0.title":"오늘의 모기지 금리","r4tour.cfg.rates.0.body":'<p class="vt-summary">브로커의 금리표에서 매일 업데이트되는 도매 채널 금리입니다. 이것이 당신의 대출이 실제로 책정되는 실제 수치예요 — Google에서 보는 광고용 미끼 금리가 아닙니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 것</p>\n            <ul class="vt-features">\n                <li><strong>프로그램별 가격</strong><span>Conventional, FHA, VA, USDA, jumbo, ARM</span></li><li><strong>금리 vs. APR</strong><span>APR은 수수료 + 포인트를 포함하므로 더 정확한 비용입니다</span></li><li><strong>실시간 업데이트</strong><span>변동성이 큰 시장에서는 금리가 하루에 두 번 움직일 수 있습니다</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>금리가 아니라 APR로 비교하세요. 같은 6.500% 금리의 두 대출도 APR이 크게 다를 수 있으며 — APR이 더 높은 대출은 대출 기간 전체에 걸쳐 더 많은 비용이 듭니다.</span>\n        </div>',"r4tour.cfg.rates.1.title":"금리 비교 표","r4tour.cfg.rates.1.body":'<p class="vt-summary">각 행은 대출 프로그램입니다. 각 열은 선택하기 전에 비교해야 할 항목입니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 것</p>\n            <ul class="vt-features">\n                <li><strong>금리</strong><span>대출 잔액에 부과되는 이자</span></li><li><strong>APR</strong><span>금리 + 수수료 + 포인트를 단일 연이율(%)로 표시</span></li><li><strong>포인트</strong><span>금리를 낮추기 위한 선택적 선납 수수료 (1포인트 = 대출 금액의 1%)</span></li><li><strong>예상 월 P&I</strong><span>원금 + 이자만 — 세금/보험/HOA는 별도로 추가됨</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">\n            <span class="vt-example-label">예시</span>\n            <span>30년 고정 6.875% 0포인트 vs. 6.500% 2포인트: 2포인트 대출은 손익분기점(약 5-7년)을 넘겨 보유할 때만 유리합니다.</span>\n        </div>',"r4tour.cfg.rates.2.title":"금리 알림 설정","r4tour.cfg.rates.2.body":'<p class="vt-summary">목표 금리를 알려주시면 어떤 프로그램이든 그 금리로 떨어지는 순간 이메일로 알려 드립니다. 매일 시끄러운 알림은 없어요 — 정말 중요한 알림만 보냅니다.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>브로커는 금리를 지켜보는 수천 명의 차용인을 봅니다. 알림을 설정하는 것이 페이지를 계속 들여다보지 않고도 금리 하락을 잡는 가장 확실한 방법입니다.</span>\n        </div>',"r4tour.cfg.rates.3.title":"준비되면 금리를 고정하세요","r4tour.cfg.rates.3.body":'<p class="vt-summary">금리를 고정하면 파일이 마무리되는 동안 금리 인상으로부터 보호받습니다. 표준 고정 기간은 15일, 30일, 45일 또는 60일입니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 것</p>\n            <ul class="vt-features">\n                <li><strong>너무 일찍 고정</strong><span>파일이 고정 기간을 넘기면 재고정 수수료를 냅니다</span></li><li><strong>너무 늦게 고정</strong><span>지금부터 마감까지의 금리 인상을 모두 떠안습니다</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">팁</span>\n            <span>대부분의 대출은 예상 마감일로부터 30-45일 전에 고정됩니다. 브로커가 당신의 파일에 맞는 구체적인 기간을 추천해 드립니다.</span>\n        </div>',"r4tour.cfg.rates.4.title":"전문가 조언 — 담당 LO와 상담하세요","r4tour.cfg.rates.4.body":'<p class="vt-summary">금리 표는 어떤 프로그램이 당신의 파일에 실제로 맞는지 알려줄 수 없습니다. 담당 대출 상담사는 알려줄 수 있어요 — 모든 제약 조건(DTI, LTV, 거주 형태, 신용, 예비금)을 한눈에 보기 때문입니다.</p>\n        \n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>VA, FHA, conventional, ARM 사이에서 고민된다면, 담당 LO에게 목표(가장 낮은 월 납입금? 가장 짧은 기간? 현금 인출?)를 설명하는 메시지를 한 통 보내세요. 쉬운 말로 장단점을 안내해 드립니다.</span>\n        </div>',"r4tour.cfg.rates.5.title":"다음: 계산기","r4tour.cfg.rates.5.body":'<p class="vt-summary">방금 본 금리를 중심으로 계획을 세울 수 있는 세 가지 도구입니다.</p>\n        \n        \n        \n        <p class="vt-next-hint"><strong>다음</strong>을 클릭해 그곳으로 이동하세요.</p>',"r4tour.cfg.calculators.0.title":"모기지 계산기","r4tour.cfg.calculators.0.body":'<p class="vt-summary">담당 대출 상담사가 사용하는 것과 같은 계산식으로 만든 세 가지 빠른 점검입니다. 입력값을 바꾸면 관련된 모든 숫자가 즉시 업데이트되는 것을 볼 수 있어요.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 것</p>\n            <ul class="vt-features">\n                <li><strong>월 납입금</strong><span>원금 + 이자 + 세금 + 보험 + HOA (PITIA)</span></li><li><strong>구매 여력</strong><span>당신의 소득, 부채, 계약금에 따른 최대 구매 가격</span></li><li><strong>리파이낸스 ROI</strong><span>금리 및 기간 리파이낸스의 손익분기점</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>각 계산기 하단에는 용어를 쉬운 말로 설명하는 용어집이 있습니다 — "프런트엔드 DTI"나 "LTV"가 어렵게 느껴질 때 유용해요.</span>\n        </div>',"r4tour.cfg.calculators.1.title":"상단에서 탭을 전환하세요","r4tour.cfg.calculators.1.body":'<p class="vt-summary">각 계산기는 별도의 탭으로 되어 있습니다. 각 탭 상단의 설명이 무엇을 계산하는지와 언제 사용하는지를 알려줍니다.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">예시</span>\n            <span>오퍼를 넣기 전에 구매 여력을 사용하세요("내가 얼마를 감당할 수 있나?"). 그 후에 월 납입금을 사용하세요("이 집은 얼마가 드나?"). 리파이낸스 ROI를 사용해 기존 대출을 리파이낸스할 가치가 있는지 판단하세요.</span>\n        </div>\n        \n        <p class="vt-next-hint">다음 단계: 1003 신청서.</p>',"r4tour.cfg.apply.0.title":"1003 모기지 신청서","r4tour.cfg.apply.0.body":'<p class="vt-summary">1003 양식은 미국의 모든 대출 기관이 사용하는 표준 신청서입니다. 휴대폰으로 한 번에 작성할 수 있도록 10개의 짧은 마법사 단계로 나누었습니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>대출자 정보, 주소, 연락처</strong><span>1단계 — 기본 정보 + 원하면 간단한 ID 스캔</span></li><li><strong>고용 + 소득</strong><span>2단계 — 2년 이력, 현재 직장, 월 소득</span></li><li><strong>자산 + 부채</strong><span>3-4단계 — 은행 계좌, 신용카드, 대출</span></li><li><strong>부동산 + 대출 세부 정보</strong><span>6단계 — 무엇을 구매하는지, 얼마가 필요한지</span></li><li><strong>신고 + 동의</strong><span>

17-10단계 — 법적 질문 + 전자 서명 승인</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>1.5초마다 자동 저장됩니다 — 언제든지 탭을 닫고 멈춘 지점에서 그대로 이어서 할 수 있습니다.</span>\n        </div>',"r4tour.cfg.apply.1.title":"언제든지 저장 \xb7 자유롭게 이동","r4tour.cfg.apply.1.body":'<p class="vt-summary">상단의 진행 표시줄이 모든 단계를 추적합니다. 뒤로 가서 수정하거나, 앞으로 가서 다음 내용을 미리 보거나, 저장 후 종료하여 나중에 끝낼 수 있습니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>자동 저장 표시</strong><span>오른쪽 상단의 "저장됨" 표시는 클라우드에 모든 내용이 있다는 뜻입니다</span></li><li><strong>단계로 이동</strong><span>표시줄의 단계 아이콘을 클릭하여 이동하세요</span></li><li><strong>어떤 기기에서도 계속하기</strong><span>노트북에서 시작하고 휴대폰에서 마무리하세요 — 작성 내용이 따라옵니다</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>자동 저장 표시가 몇 초 이상 "편집 중…"으로 표시되면 이동하기 전에 저장을 직접 눌러 주세요 — 보통 네트워크가 느려진 것입니다.</span>\n        </div>',"r4tour.cfg.apply.2.title":"막히셨나요? Breeze에게 물어보세요","r4tour.cfg.apply.2.body":'<p class="vt-summary">떠 있는 도움말 아이콘을 누르면 1003 양식을 속속들이 아는 챗봇이 열립니다. 무엇이든 물어보세요 — 어떤 항목이 무슨 뜻인지, 왜 필요한지, 정확한 답을 모를 때 무엇을 입력해야 하는지.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">예시</span>\n            <span>"&lsquo;현 직장 근속 연수&rsquo;와 &lsquo;해당 업종 종사 연수&rsquo;의 차이는 무엇인가요?" 또는 "중간 이름이 없는데 어떻게 하나요?"</span>\n        </div>\n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>Breeze는 모기지 분야에 한정되어 있습니다 — 일반 AI인 척하거나 주제를 벗어난 질문에 답하지 않으므로 답변이 신뢰할 수 있습니다.</span>\n        </div>',"r4tour.cfg.documents.0.title":"내 문서 허브","r4tour.cfg.documents.0.body":'<p class="vt-summary">대출 기관이 필요로 하는 모든 서류가 여기에 들어갑니다. 업로드한 내용을 OCR로 인식하고, 각 파일을 알맞은 위치로 자동 분류하며, 아직 빠진 것이 무엇인지 알려 드립니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>신원</strong><span>운전면허증 / 여권 / 주 ID</span></li><li><strong>소득</strong><span>급여명세서, W-2, 1099, 세금 신고서</span></li><li><strong>자산</strong><span>계좌당 2개월치 은행 명세서, 은퇴 계좌 잔액</span></li><li><strong>부동산</strong><span>매매 계약서, 계약금 영수증, HOI 증서</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>드래그 앤 드롭도 됩니다. 휴대폰으로 찍은 사진도 됩니다. 은행 명세서는 빈 페이지를 포함해 모든 페이지가 있어야 합니다 — 그렇지 않으면 대출 기관이 거부합니다.</span>\n        </div>',"r4tour.cfg.documents.1.title":"스마트 업로드","r4tour.cfg.documents.1.body":'<p class="vt-summary">파일을 끌어다 놓으면 어디에 속하는지 알아냅니다. OCR은 백그라운드에서 실행됩니다 — 보통 몇 초, 이미지가 많은 PDF는 더 오래 걸립니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>PDF(텍스트 인식 가능)</strong><span>최적 — 가장 빠른 OCR, 가장 높은 정확도</span></li><li><strong>JPG / PNG</strong><span>가능 — 이미지를 OCR하고 추출된 데이터를 확인합니다</span></li><li><strong>HEIC(iPhone)</strong><span>업로드 전 자동으로 JPG로 변환됩니다</span></li>\n            </ul>\n        </div>\n        <div class="vt-example">

1\n            <span class="vt-example-label">예시</span>\n            <span>휴대폰으로 운전면허증을 찍으세요 — 이름, 생년월일, 주소, 면허 번호, 만료일, AAMVA 바코드를 한 번에 추출합니다.</span>\n        </div>\n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>나중에 대출 기관이 서류를 거부하면(잘못된 유형, 잘못된 기간, 누락된 페이지) 대시보드에 새 미해결 요청으로 표시하고 새 업로드 칸을 제공합니다.</span>\n        </div>',"r4tour.cfg.loan-options.0.title":"내 대출 옵션","r4tour.cfg.loan-options.0.body":'<p class="vt-summary">심사가 파일을 승인하면, 여기에 자격이 되는 모든 프로그램을 나열합니다 — 금리, 월 납입금, 포인트, 그리고 상황에 맞는 추천 최적 옵션과 함께요.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>금리 + APR + 포인트</strong><span>금리 페이지에서 비교한 것과 같은 항목이지만, 이제는 당신의 파일에 연결됩니다</span></li><li><strong>월 납입금</strong><span>대출 금액, 재산세 추정치, HOI 견적을 기반으로 한 실제 PITIA</span></li><li><strong>클로징 비용</strong><span>계약금 + 클로징 비용에서 크레딧을 뺀 금액</span></li><li><strong>"최적 옵션" 태그</strong><span>우선순위에 따른 추천 (최저 금리 vs. 최저 납입금 vs. 최저 클로징 비용)</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>당신의 파일은 존재하는지 몰랐던 프로그램(HomeReady, Home Possible, 대출 기관 크레딧 등)에도 자격이 될 수 있습니다. 전체 목록을 스크롤해 보세요 — 가장 좋은 조건은 가장 많이 광고된 것이 아닌 경우가 많습니다.</span>\n        </div>',"r4tour.cfg.loan-options.1.title":"나란히 비교하기","r4tour.cfg.loan-options.1.body":'<p class="vt-summary">각 카드는 실제 대출 기관이 제시한 완전한 가격의 제안입니다. 계약금 슬라이더는 각 카드의 가격을 실시간으로 다시 계산합니다 — 5%, 10%, 20% 계약금이 월 납입금을 어떻게 바꾸는지 보기에 유용합니다.</p>\n        \n        <div class="vt-example">\n            <span class="vt-example-label">예시</span>\n            <span>계약금을 5%에서 20%로 옮기면 모든 카드에서 PMI가 사라지는 것을 볼 수 있습니다 — 이것이 "20% 경험 법칙" 뒤에 있는 계산입니다.</span>\n        </div>\n        \n        <p class="vt-next-hint">마지막 단계: 계정 설정.</p>',"r4tour.cfg.settings.0.title":"계정 설정","r4tour.cfg.settings.0.body":'<p class="vt-summary">프로필, 알림 설정, 보안, 개인정보 제어가 모두 여기에 있습니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>프로필</strong><span>이름, 이메일, 전화번호, 주소 — 항상 최신으로 유지하세요</span></li><li><strong>알림</strong><span>이벤트 유형별 이메일/SMS/푸시 켜기\xb7끄기</span></li><li><strong>보안</strong><span>2FA, 보안 질문, Passkeys(곧 제공)</span></li><li><strong>개인정보</strong><span>데이터 다운로드 + 내 데이터 삭제 요청</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">\n            <span class="vt-tip-label">팁</span>\n            <span>SSN이나 은행 정보를 업로드하기 전에 2FA를 켜세요. 모기지 신청은 가치가 높은 피싱 대상입니다 — 2FA 설정에 걸리는 10초는 실질적인 보안 향상입니다.</span>\n        </div>',"r4tour.cfg.settings.1.title":"보안 탭","r4tour.cfg.settings.1.body":'<p class="vt-summary">계정을 강화하는 곳입니다. 대출 기관은 사기 검사의 일부로 대출자의 보안 상태를 봅니다 — 이 기능들을 켜면 실제로 파일이 더 빨리 진행되는 데 도움이 됩니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>2단계 인증</strong><span>SMS 또는 인증 앱 — 둘 다 지원</span></li><li><strong>보안 질문</strong><span>2FA 기기 접근을 잃었을 때의 복구 경로</span></li><li><strong>Passkeys</strong><span>피싱에 강한 비밀번호 없는 로그인(곧 제공)</span></li><li><strong>활성 세션</strong><span>계정에 로그인된 모든 기기를 확인하고 원격으로 로그아웃하세요</span></li>\n            </ul>\n        </div>',"r4tour.cfg.settings.2.title":"모두 완료되었습니다","r4tour.cfg.settings.2.body":'<p class="vt-summary">이것으로 전체 둘러보기가 끝났습니다. 이제 대출의 모든 중요한 부분이 어디에 있고 어떻게 사용하는지 알게 되었습니다.</p>\n        <div class="vt-section">\n            <p class="vt-section-label">여기서 할 수 있는 일</p>\n            <ul class="vt-features">\n                <li><strong>다시 보고 싶나요?</strong><span>대시보드에서 언제든지 이 둘러보기를 다시 재생하세요</span></li><li><strong>더 자세히 알고 싶나요?</strong><span>전체 서면 안내는 /borrower/help에 있습니다</span></li><li><strong>특정 질문에서 막혔나요?</strong><span>어느 페이지에서든 떠 있는 도움말 봇 Breeze에게 물어보세요</span></li>\n            </ul>\n        </div>\n        \n        <div class="vt-tip">

1\n            <span class="vt-tip-label">팁</span>\n            <span>가장 성공적인 대출자들은 대시보드의 미해결 요청을 24시간 이내에 처리하고 브로커 메시지에는 4시간 이내에 답합니다. 응답 속도는 정시 마감의 가장 큰 단일 예측 요인입니다.</span>\n        </div>\n        <p class="vt-next-hint"><strong>완료</strong>를 클릭하여 대시보드로 돌아가 시작하세요.</p>',"r4tour.chapter.dashboard":"대시보드","r4tour.chapter.rates":"금리","r4tour.chapter.calculators":"계산기","r4tour.chapter.apply":"신청서","r4tour.chapter.documents":"서류","r4tour.chapter.loan-options":"대출 옵션","r4tour.chapter.settings":"설정","r4tour.previewingChapter":"{chapter} 미리 보기 중","r4tour.stepOf":"{total}단계 중 {current}단계","r4tour.previewing":"미리 보기 중…","r4tour.dialogLabel":"둘러보기 단계","r4tour.closeTour":"둘러보기 닫기","r4tour.closeDisabledPreviewing":"닫기 (미리 보기 중에는 사용 불가)"}};function r(a){let e,n=arguments.length>1&&void 0!==arguments[1]?arguments[1]:t,o=arguments.length>2?arguments[2]:void 0,i=s[n];if(e=i&&a in i?i[a]:n!==t&&a in s[t]?s[t][a]:a,o)for(let[a,n]of Object.entries(o))e=e.replace(RegExp("\\{".concat(a,"\\}"),"g"),String(n));return e}},43029:(a,e,n)=>{n.d(e,{LocaleProvider:()=>r,P:()=>l});var t=n(95155),o=n(12115),i=n(39247);let s=(0,o.createContext)(null);function r(a){let{initialLocale:e,children:n}=a,[r,l]=(0,o.useState)(()=>e&&i.kg.includes(e)?e:i.q),c=(0,o.useCallback)(a=>{if(i.kg.includes(a)){try{window.localStorage.setItem("verispect:locale",a)}catch(a){}try{document.cookie="".concat("verispect_locale","=").concat(a,"; path=/; max-age=").concat(31536e3,"; samesite=lax")}catch(a){}try{document.documentElement.lang=a}catch(a){}l(a)}},[]),g=(0,o.useMemo)(()=>({locale:r,setLocale:c,t:(a,e)=>(0,i.t)(a,r,e)}),[r,c]);return(0,t.jsx)(s.Provider,{value:g,children:n})}function l(){let a=(0,o.useContext)(s);return a||{locale:i.q,setLocale:()=>{},t:(a,e)=>(0,i.t)(a,i.q,e)}}}}]);