{"id":5160,"date":"2016-05-20T23:35:56","date_gmt":"2016-05-20T23:35:56","guid":{"rendered":"https:\/\/www.movoto.com\/foundation\/?p=5160"},"modified":"2016-05-20T23:35:56","modified_gmt":"2016-05-20T23:35:56","slug":"ultimate-homebuyers-guide-mortgage-payments","status":"publish","type":"post","link":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/","title":{"rendered":"Breaking Down Your Mortgage Payments"},"content":{"rendered":"<p><a href=\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-5354\" src=\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg\" alt=\"Mortgage-Payments_banner\" width=\"600\" height=\"125\" \/><\/a><\/p>\n<p><a href=\"https:\/\/www.movoto.com\/foundation\/basics\/ultimate-homebuyers-guide-budgeting-mortgages\"><img loading=\"lazy\" decoding=\"async\" class=\"alignright wp-image-5396 size-full\" src=\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Budgeting_thumb_2.jpg\" alt=\"Budgeting_thumb_2\" width=\"300\" height=\"250\" \/><\/a>Four things make up your mortgage payments. Often known as the PITI:<\/p>\n<ul>\n<li>Principal<\/li>\n<li>Interest<\/li>\n<li>Taxes<\/li>\n<li>Insurance<\/li>\n<\/ul>\n<p><b>Principal<\/b><\/p>\n<p>The principal is the money you actually have left on the loan. Let\u2019s say you borrowed $100,000. Each month, a portion of your payments will go directly towards paying off that $100,000. Any money you overpay each month and any prepayment also goes straight towards the principal.<\/p>\n<p>For example, If your monthly payments are calculated to $1,500, but you pay $1,600 each month, the additional $100 you paid will be applied to your principal. Just a little bit of extra money each month can make a big difference in the total amount you pay to the lender over the course of the entire loan.<\/p>\n<p><b>Interest<\/b><\/p>\n<p>The interest is the percentage the bank charges for loaning you the money. The rate is divided over each month. So, if you borrowed $100,000 at 6 percent interest:<\/p>\n<p>0.06 \u00f7 12 = 0.005 (this is the percentage you pay every month)<\/p>\n<p>0.005 x $100,000 = $500 (this is the amount of interest you pay the first month)<\/p>\n<p>So, of your monthly payments, $500 will go towards interest in the first month.<\/p>\n<p>Continuing the example above, if $500 of your payment went to interest, then $1,000 would go to principal. In the second month, your interest payment would be 0.005 x $99,000 = $495. So in your next payment, $1,005 goes to principal, and therefore the next month\u2019s interest payment is even less. And so on.<\/p>\n<p>That\u2019s why it\u2019s a great idea to make all the prepayments you can (unless your loan has prepayment penalties). Every slice out of principal lessens the amount of interest you pay, which means a bigger slice out of principal, which means a smaller amount of interest, and so on.<\/p>\n<p>For that reason, when calculating your monthly income and expenses and the terms of a loan you can afford, you shouldn\u2019t push the limits. Instead, take out a smaller loan where you can easily afford the minimum payment and make regular prepayments.<\/p>\n<p><b>Taxes<\/b><\/p>\n<p>The city or county charges you property tax to help fund public services such as schools, the police force, and street maintenance. Depending on the city or county, your property tax rates differ, and they are recalculated every year to reflect changes to your property value.<\/p>\n<p><b>Insurance<\/b><\/p>\n<p>Unlike car insurance, which is mandatory, you can own a home without insuring it. However, if you took out a mortgage, your lender will require it (not to mention, it\u2019s simply in your best interest). Your insurance goes to a private insurance company of your choice.<\/p>\n<p>As mentioned before, some lenders require you to open a <b>mortgage impound escrow account<\/b>. Each month, a certain amount is deposited into the account to cover your taxes and homeowner\u2019s insurance. Some lenders let you forgo the escrow account and pay your taxes and insurance on your own. If you have that option, it\u2019s a matter of preference.<\/p>\n<p>Are you good at setting money aside or do you prefer to deposit a little each month and have the bank make payments for you? Some people don\u2019t trust their lender to make the payments for them. Others prefer the convenience of making one payment every month and letting their lender disburse the insurance and tax. It\u2019s worth noting that impound escrow accounts don\u2019t collect interest and can cause fluctuations in your monthly payment amount as they are recalculated for rising taxes.<\/p>\n<table style=\"width: 100%; border-spacing: 5px;\">\n<tbody>\n<tr>\n<td style=\"width: 50%;\"><a href=\"https:\/\/www.movoto.com\/foundation\/basics\/ultimate-homebuyers-guide-mortgage-paperwork\"><span style=\"text-align: left; font-size: 11pt;\">&lt;&lt; PREVIOUS CHAPTER: Your Guide to Mortgage Paperwork<\/span><\/a><\/td>\n<td style=\"width: 50%; text-align: right;\"><a href=\"https:\/\/www.movoto.com\/foundation\/basics\/ultimate-homebuyers-guide-rejected-mortgage\"><span style=\"text-align: right; font-size: 11pt;\">NEXT CHAPTER: If You\u2019re Rejected for a Mortgage &gt;&gt;<\/span><\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><a href=\"https:\/\/www.movoto.com\/foundation\/basics\/ultimate-homebuyers-guide\/\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5426 size-full\" src=\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Hombeuyers-Guide_button.jpg\" alt=\"Hombeuyers-Guide_button\" width=\"334\" height=\"48\" \/><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Four things make up your mortgage payments. Often known as the PITI: Principal Interest Taxes Insurance Principal The principal is the money you actually have left on the loan. Let\u2019s say you borrowed $100,000. Each month, a portion of your payments will go directly towards paying off that $100,000. Any money you overpay each month and any prepayment also goes straight towards the principal. For example, If your monthly payments are calculated to $1,500, but you pay $1,600 each month, the additional $100 you paid will be applied to your principal. Just a little bit of extra money each month [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[167,260],"tags":[],"class_list":["post-5160","post","type-post","status-publish","format-standard","hentry","category-basics","category-buyer","post--single"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Breaking Down Your Mortgage Payments<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Breaking Down Your Mortgage Payments\" \/>\n<meta property=\"og:description\" content=\"Four things make up your mortgage payments. Often known as the PITI: Principal Interest Taxes Insurance Principal The principal is the money you actually have left on the loan. Let\u2019s say you borrowed $100,000. Each month, a portion of your payments will go directly towards paying off that $100,000. Any money you overpay each month and any prepayment also goes straight towards the principal. For example, If your monthly payments are calculated to $1,500, but you pay $1,600 each month, the additional $100 you paid will be applied to your principal. Just a little bit of extra money each month [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/\" \/>\n<meta property=\"og:site_name\" content=\"Movoto Blog\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/MovotoRealEstate\/\" \/>\n<meta property=\"article:published_time\" content=\"2016-05-20T23:35:56+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg\" \/>\n<meta name=\"author\" content=\"Movoto Editorial Team\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@movoto\" \/>\n<meta name=\"twitter:site\" content=\"@movoto\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Movoto Editorial Team\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/\"},\"author\":{\"name\":\"Movoto Editorial Team\",\"@id\":\"https:\/\/www.movoto.com\/blog\/#\/schema\/person\/06693b6bfbd6fec38952da620bd47c0e\"},\"headline\":\"Breaking Down Your Mortgage Payments\",\"datePublished\":\"2016-05-20T23:35:56+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/\"},\"wordCount\":585,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg\",\"articleSection\":[\"Basics\",\"Buyer\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/\",\"url\":\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/\",\"name\":\"Breaking Down Your Mortgage Payments\",\"isPartOf\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg\",\"datePublished\":\"2016-05-20T23:35:56+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#primaryimage\",\"url\":\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg\",\"contentUrl\":\"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.movoto.com\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Breaking Down Your Mortgage Payments\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.movoto.com\/blog\/#website\",\"url\":\"https:\/\/www.movoto.com\/blog\/\",\"name\":\"Movoto Blog\",\"description\":\"Jump-start your real estate journey with expert guidance\",\"publisher\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.movoto.com\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.movoto.com\/blog\/#organization\",\"name\":\"Movoto by OJO\",\"url\":\"https:\/\/www.movoto.com\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.movoto.com\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/movoto.kinsta.cloud\/wp-content\/uploads\/2022\/04\/movoto-by-ojo-blog.png\",\"contentUrl\":\"https:\/\/movoto.kinsta.cloud\/wp-content\/uploads\/2022\/04\/movoto-by-ojo-blog.png\",\"width\":220,\"height\":100,\"caption\":\"Movoto by OJO\"},\"image\":{\"@id\":\"https:\/\/www.movoto.com\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/MovotoRealEstate\/\",\"https:\/\/x.com\/movoto\",\"https:\/\/www.instagram.com\/movotorealestate\/\",\"https:\/\/www.linkedin.com\/company\/movoto\",\"https:\/\/www.pinterest.com\/movoto\/\",\"https:\/\/www.youtube.com\/user\/movotorealestate\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.movoto.com\/blog\/#\/schema\/person\/06693b6bfbd6fec38952da620bd47c0e\",\"name\":\"Movoto Editorial Team\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.movoto.com\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f61431c9d28f042e0ef7d955ee3844a375bfe80a21e14f5f20e2045633240dd4?s=96&d=monsterid&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f61431c9d28f042e0ef7d955ee3844a375bfe80a21e14f5f20e2045633240dd4?s=96&d=monsterid&r=g\",\"caption\":\"Movoto Editorial Team\"},\"sameAs\":[\"https:\/\/www.movoto.com\/\"],\"url\":\"https:\/\/www.movoto.com\/blog\/author\/revans\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Breaking Down Your Mortgage Payments","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/","og_locale":"en_US","og_type":"article","og_title":"Breaking Down Your Mortgage Payments","og_description":"Four things make up your mortgage payments. Often known as the PITI: Principal Interest Taxes Insurance Principal The principal is the money you actually have left on the loan. Let\u2019s say you borrowed $100,000. Each month, a portion of your payments will go directly towards paying off that $100,000. Any money you overpay each month and any prepayment also goes straight towards the principal. For example, If your monthly payments are calculated to $1,500, but you pay $1,600 each month, the additional $100 you paid will be applied to your principal. Just a little bit of extra money each month [&hellip;]","og_url":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/","og_site_name":"Movoto Blog","article_publisher":"https:\/\/www.facebook.com\/MovotoRealEstate\/","article_published_time":"2016-05-20T23:35:56+00:00","og_image":[{"url":"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg","type":"","width":"","height":""}],"author":"Movoto Editorial Team","twitter_card":"summary_large_image","twitter_creator":"@movoto","twitter_site":"@movoto","twitter_misc":{"Written by":"Movoto Editorial Team","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#article","isPartOf":{"@id":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/"},"author":{"name":"Movoto Editorial Team","@id":"https:\/\/www.movoto.com\/blog\/#\/schema\/person\/06693b6bfbd6fec38952da620bd47c0e"},"headline":"Breaking Down Your Mortgage Payments","datePublished":"2016-05-20T23:35:56+00:00","mainEntityOfPage":{"@id":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/"},"wordCount":585,"commentCount":0,"publisher":{"@id":"https:\/\/www.movoto.com\/blog\/#organization"},"image":{"@id":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#primaryimage"},"thumbnailUrl":"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg","articleSection":["Basics","Buyer"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/","url":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/","name":"Breaking Down Your Mortgage Payments","isPartOf":{"@id":"https:\/\/www.movoto.com\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#primaryimage"},"image":{"@id":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#primaryimage"},"thumbnailUrl":"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg","datePublished":"2016-05-20T23:35:56+00:00","breadcrumb":{"@id":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#primaryimage","url":"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg","contentUrl":"https:\/\/www.movoto.com\/foundation\/wp-content\/uploads\/2016\/05\/Mortgage-Payments_banner.jpg"},{"@type":"BreadcrumbList","@id":"https:\/\/www.movoto.com\/blog\/ultimate-homebuyers-guide-mortgage-payments\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.movoto.com\/blog\/"},{"@type":"ListItem","position":2,"name":"Breaking Down Your Mortgage Payments"}]},{"@type":"WebSite","@id":"https:\/\/www.movoto.com\/blog\/#website","url":"https:\/\/www.movoto.com\/blog\/","name":"Movoto Blog","description":"Jump-start your real estate journey with expert guidance","publisher":{"@id":"https:\/\/www.movoto.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.movoto.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.movoto.com\/blog\/#organization","name":"Movoto by OJO","url":"https:\/\/www.movoto.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.movoto.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/movoto.kinsta.cloud\/wp-content\/uploads\/2022\/04\/movoto-by-ojo-blog.png","contentUrl":"https:\/\/movoto.kinsta.cloud\/wp-content\/uploads\/2022\/04\/movoto-by-ojo-blog.png","width":220,"height":100,"caption":"Movoto by OJO"},"image":{"@id":"https:\/\/www.movoto.com\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/MovotoRealEstate\/","https:\/\/x.com\/movoto","https:\/\/www.instagram.com\/movotorealestate\/","https:\/\/www.linkedin.com\/company\/movoto","https:\/\/www.pinterest.com\/movoto\/","https:\/\/www.youtube.com\/user\/movotorealestate"]},{"@type":"Person","@id":"https:\/\/www.movoto.com\/blog\/#\/schema\/person\/06693b6bfbd6fec38952da620bd47c0e","name":"Movoto Editorial Team","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.movoto.com\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/f61431c9d28f042e0ef7d955ee3844a375bfe80a21e14f5f20e2045633240dd4?s=96&d=monsterid&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f61431c9d28f042e0ef7d955ee3844a375bfe80a21e14f5f20e2045633240dd4?s=96&d=monsterid&r=g","caption":"Movoto Editorial Team"},"sameAs":["https:\/\/www.movoto.com\/"],"url":"https:\/\/www.movoto.com\/blog\/author\/revans\/"}]}},"featured_media_src_url":null,"_links":{"self":[{"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/posts\/5160","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/comments?post=5160"}],"version-history":[{"count":0,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/posts\/5160\/revisions"}],"wp:attachment":[{"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/media?parent=5160"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/categories?post=5160"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.movoto.com\/blog\/wp-json\/wp\/v2\/tags?post=5160"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}