{"id":661,"date":"2010-03-28T11:35:42","date_gmt":"2010-03-28T17:35:42","guid":{"rendered":"http:\/\/template.lenderama.com\/?p=661"},"modified":"2010-03-28T11:35:42","modified_gmt":"2010-03-28T17:35:42","slug":"whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate","status":"publish","type":"post","link":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/","title":{"rendered":"What&#8217;s The Difference Between Interest Rate and Annual Percentage Rate (APR)?"},"content":{"rendered":"<p style=\"text-align: center;\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-21022\" title=\"difference between interest rate and APR\" src=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000008531761_ExtraSmall.jpg\" alt=\"\" width=\"400\" height=\"300\" srcset=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000008531761_ExtraSmall.jpg 400w, https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000008531761_ExtraSmall-300x225.jpg 300w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><\/p>\n<p>The difference between APR and actual note rate is very confusing, especially for <a href=\"\/tag\/first-time-home-buyer\/\">First-Time Home Buyers<\/a> who haven&#8217;t been through the entire <a href=\"\/mortgage-101\/closing-process\/\">closing process<\/a> before.<\/p>\n<p>When shopping for a <a title=\"HUD\" href=\"http:\/\/www.hud.gov\" target=\"_blank\" rel=\"noopener\">new mortgage loan<\/a>, you may notice an Annual Percentage Rate (APR) advertised next to the note rate.\u00a0 The inclusion of an APR is actually mandated by federal law in order to help give borrowers a standard rule of measurement for comparing the total <a title=\"APR and market place\" href=\"http:\/\/money.cnn.com\/2013\/05\/03\/news\/economy\/april-jobs-report\/index.html\" target=\"_blank\" rel=\"noopener\">cost of each loan<\/a>.<\/p>\n<p>The APR is designed to represent the &#8220;true cost of a loan&#8221; to the borrower, expressed in the form of a yearly rate to prevent lenders from &#8220;hiding&#8221; fees and up-front costs behind low advertised rates.<\/p>\n<p>According to <a href=\"http:\/\/en.wikipedia.org\/wiki\/Annual_percentage_rate\" target=\"_blank\" rel=\"noopener\">Wikipedia<\/a>:<\/p>\n<blockquote><p>The terms <strong>annual percentage of rate (APR)<\/strong> and <strong>nominal APR<\/strong> describe the interest rate for a whole year (annualized), rather than just a monthly fee\/rate, as applied on a loan, mortgage, credit card, etc. It is a finance charge expressed as an annual rate.<\/p>\n<dl>\n<dd>\n<ul>\n<li>The <em>nominal APR<\/em> is the simple-interest rate (for a year).<\/li>\n<li>The <em>effective APR<\/em> is the fee+<a title=\"Compound interest\" href=\"http:\/\/en.wikipedia.org\/wiki\/Compound_interest\" target=\"_blank\" rel=\"noopener\">compound interest<\/a> rate (calculated across a year)<\/li>\n<\/ul>\n<\/dd>\n<\/dl>\n<p>The nominal APR is calculated as: the rate, for a payment period, multiplied by the number of payment periods in a year.<\/p>\n<p>However, the exact legal definition of &#8220;effective APR&#8221; can vary greatly, depending on the type of fees included, such as participation fees, loan origination fees, monthly service charges, or late fees.<\/p>\n<p>The effective APR has been called the &#8220;mathematically-true&#8221; interest rate for each year.The computation for the effective APR, as the fee+compound interest rate, can also vary depending on whether the up-front fees, such as origination or participation fees, are added to the entire amount, or treated as a short-term loan due in the first payment.<\/p><\/blockquote>\n<p><strong>What Fees Are Typically Included In APR?<\/strong><\/p>\n<ul>\n<li>Origination Fee<\/li>\n<li>Discount Points<\/li>\n<li>Buydown funds from the buyer<\/li>\n<li>Prepaid Mortgage Interest<\/li>\n<li>Mortgage Insurance Premiums<\/li>\n<li>Other lender fees (application, underwriting, tax service, etc.)<\/li>\n<\/ul>\n<p>Since origination fees, discount points, mortgage insurance premiums, prepaid interest and other items may also be required to obtain a mortgage, they need to be included when calculating the APR.<\/p>\n<p>Fees such as title insurance, <a href=\"\/mortgage-101\/real-estate-appraisals\/\">appraisal<\/a> and credit are not included in calculating the APR.<\/p>\n<p>The APR can vary between lenders and programs due to the fact that the federal law does not clearly define specifically what goes into the calculation, .<\/p>\n<p><strong>What Does APR Not Disclose?<\/strong><\/p>\n<ul>\n<li>APR on a loan tied to a market index, like a 5\/1 ARM, assumes the market index will never change.\u00a0 But Adjustable Rate Mortgages always change over the course of 30 years.<\/li>\n<\/ul>\n<ul>\n<li>Balloon Payments<\/li>\n<\/ul>\n<ul>\n<li>Prepayment Penalties<\/li>\n<\/ul>\n<ul>\n<li>Length of Rate Lock<\/li>\n<\/ul>\n<ul>\n<li>Comparison between loan terms &#8211; EX:\u00a0 A 15-year term will have a higher APR simply because the fees are amortized over a shorter period of time compared to a similar rate \/ cost scenario on a 30-year term.<\/li>\n<\/ul>\n<p><strong>APR Comparing Examples:<\/strong><\/p>\n<ul>\n<li>Bank (A) is offering a 30 year fixed mortgage at 8.00% APR<\/li>\n<\/ul>\n<ul>\n<li>Bank (B) is offering a 30 year fixed mortgage at 7.00% Note Rate<\/li>\n<\/ul>\n<p>Easy choice, right?<\/p>\n<p>While Bank (B) is advertising the lowest Note Rate, they&#8217;re not factoring in the origination points, underwriting \/ processing fees and prepaid mortgage interest (first month&#8217;s mortgage payment), which could essentially make the APR much higher than the one Bank (A) is advertising.<\/p>\n<p>However, Bank (A) may show a higher rate due to the APR, but they could actually charging a lot less in total fees than Bank (B).<\/p>\n<p style=\"text-align: center;\">&#8230;..<\/p>\n<p>Before lenders and mortgage brokers were required to state the APR, it was more difficult to find the truth about the total borrowing costs of one loan vs another.<\/p>\n<p>When comparing mortgage rates, it&#8217;s a good idea to ask your lender which fees are included in their APR quote.<\/p>\n<p style=\"text-align: center;\"><span style=\"color: #c0c0c0;\">_________________________________<\/span><\/p>\n<h2><strong>Related Mortgage Rate Articles:<\/strong><\/h2>\n<ul>\n<li><strong><a href=\"\/mortgage-101\/mortgage-rates\/\">Mortgage Rate Overview<\/a><\/strong><\/li>\n<li><strong><a href=\"\/top-five-market-factors-that-influence-mortgage-rates\/\">Top Five Market Factors That Influence Mortgage Rates<\/a><\/strong><\/li>\n<li><strong><a href=\"\/how-are-mortgage-rates-determined\/\">How Are Mortgage Rates Determined?<\/a><\/strong><\/li>\n<li><strong><a href=\"\/how-do-mortgage-rates-move-when-the-fed-lowers-rates\/\">How Do Mortgage Rates Move When The Fed Lowers Rates?<\/a><\/strong><\/li>\n<li><strong><a href=\"\/eight-questions-your-lender-should-be-able-to-answer-about-mortgage-rates\/\">8 Questions Your Lender Should Answer About Mortgage Rates<\/a><br \/>\n<\/strong><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>The difference between APR and actual note rate is very confusing, especially for First-Time Home Buyers who haven&#8217;t been through the entire closing process before.<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[58],"tags":[92],"class_list":["post-661","post","type-post","status-publish","format-standard","hentry","category-mortgage","tag-apr"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What&#039;s The Difference Between Interest Rate and Annual Percentage Rate (APR)?<\/title>\n<meta name=\"description\" content=\"The difference between APR and actual note rate is very confusing, especially for First-Time Home Buyers who haven&#039;t been through the entire closing process before.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What&#039;s The Difference Between Interest Rate and Annual Percentage Rate (APR)?\" \/>\n<meta property=\"og:description\" content=\"The difference between APR and actual note rate is very confusing, especially for First-Time Home Buyers who haven&#039;t been through the entire closing process before.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/\" \/>\n<meta property=\"og:site_name\" content=\"203krehabnow\" \/>\n<meta property=\"article:published_time\" content=\"2010-03-28T17:35:42+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000008531761_ExtraSmall.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"400\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Leesa Sandoval\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Leesa Sandoval\" \/>\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:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/\"},\"author\":{\"name\":\"Leesa Sandoval\",\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/#\\\/schema\\\/person\\\/077ba4d7228c4608636fa8a7169e57ed\"},\"headline\":\"What&#8217;s The Difference Between Interest Rate and Annual Percentage Rate (APR)?\",\"datePublished\":\"2010-03-28T17:35:42+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/\"},\"wordCount\":672,\"image\":{\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/wp-content\\\/uploads\\\/2013\\\/12\\\/iStock_000008531761_ExtraSmall.jpg\",\"keywords\":[\"APR\"],\"articleSection\":[\"Mortgage\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/\",\"url\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/\",\"name\":\"What's The Difference Between Interest Rate and Annual Percentage Rate (APR)?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/wp-content\\\/uploads\\\/2013\\\/12\\\/iStock_000008531761_ExtraSmall.jpg\",\"datePublished\":\"2010-03-28T17:35:42+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/#\\\/schema\\\/person\\\/077ba4d7228c4608636fa8a7169e57ed\"},\"description\":\"The difference between APR and actual note rate is very confusing, especially for First-Time Home Buyers who haven't been through the entire closing process before.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/#primaryimage\",\"url\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/wp-content\\\/uploads\\\/2013\\\/12\\\/iStock_000008531761_ExtraSmall.jpg\",\"contentUrl\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/wp-content\\\/uploads\\\/2013\\\/12\\\/iStock_000008531761_ExtraSmall.jpg\",\"width\":400,\"height\":300},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What&#8217;s The Difference Between Interest Rate and Annual Percentage Rate (APR)?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/#website\",\"url\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/\",\"name\":\"203krehabnow\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/#\\\/schema\\\/person\\\/077ba4d7228c4608636fa8a7169e57ed\",\"name\":\"Leesa Sandoval\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a1f478e0fb8d6f79b87ef43e4a85326476dda64bb0f90ba61943a2f36286728e?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a1f478e0fb8d6f79b87ef43e4a85326476dda64bb0f90ba61943a2f36286728e?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/a1f478e0fb8d6f79b87ef43e4a85326476dda64bb0f90ba61943a2f36286728e?s=96&d=mm&r=g\",\"caption\":\"Leesa Sandoval\"},\"url\":\"https:\\\/\\\/dev203k.orbitwebx.com\\\/dev203k\\\/author\\\/leesasandoval\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What's The Difference Between Interest Rate and Annual Percentage Rate (APR)?","description":"The difference between APR and actual note rate is very confusing, especially for First-Time Home Buyers who haven't been through the entire closing process before.","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:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/","og_locale":"en_US","og_type":"article","og_title":"What's The Difference Between Interest Rate and Annual Percentage Rate (APR)?","og_description":"The difference between APR and actual note rate is very confusing, especially for First-Time Home Buyers who haven't been through the entire closing process before.","og_url":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/","og_site_name":"203krehabnow","article_published_time":"2010-03-28T17:35:42+00:00","og_image":[{"width":400,"height":300,"url":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000008531761_ExtraSmall.jpg","type":"image\/jpeg"}],"author":"Leesa Sandoval","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Leesa Sandoval","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/#article","isPartOf":{"@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/"},"author":{"name":"Leesa Sandoval","@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/#\/schema\/person\/077ba4d7228c4608636fa8a7169e57ed"},"headline":"What&#8217;s The Difference Between Interest Rate and Annual Percentage Rate (APR)?","datePublished":"2010-03-28T17:35:42+00:00","mainEntityOfPage":{"@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/"},"wordCount":672,"image":{"@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/#primaryimage"},"thumbnailUrl":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000008531761_ExtraSmall.jpg","keywords":["APR"],"articleSection":["Mortgage"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/","url":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/","name":"What's The Difference Between Interest Rate and Annual Percentage Rate (APR)?","isPartOf":{"@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/#website"},"primaryImageOfPage":{"@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/#primaryimage"},"image":{"@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/#primaryimage"},"thumbnailUrl":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000008531761_ExtraSmall.jpg","datePublished":"2010-03-28T17:35:42+00:00","author":{"@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/#\/schema\/person\/077ba4d7228c4608636fa8a7169e57ed"},"description":"The difference between APR and actual note rate is very confusing, especially for First-Time Home Buyers who haven't been through the entire closing process before.","breadcrumb":{"@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/#primaryimage","url":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000008531761_ExtraSmall.jpg","contentUrl":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-content\/uploads\/2013\/12\/iStock_000008531761_ExtraSmall.jpg","width":400,"height":300},{"@type":"BreadcrumbList","@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/whats-the-difference-between-interest-rate-annual-percentage-rate-apr-and-note-rate\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/dev203k.orbitwebx.com\/dev203k\/"},{"@type":"ListItem","position":2,"name":"What&#8217;s The Difference Between Interest Rate and Annual Percentage Rate (APR)?"}]},{"@type":"WebSite","@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/#website","url":"https:\/\/dev203k.orbitwebx.com\/dev203k\/","name":"203krehabnow","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/dev203k.orbitwebx.com\/dev203k\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/dev203k.orbitwebx.com\/dev203k\/#\/schema\/person\/077ba4d7228c4608636fa8a7169e57ed","name":"Leesa Sandoval","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/a1f478e0fb8d6f79b87ef43e4a85326476dda64bb0f90ba61943a2f36286728e?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/a1f478e0fb8d6f79b87ef43e4a85326476dda64bb0f90ba61943a2f36286728e?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/a1f478e0fb8d6f79b87ef43e4a85326476dda64bb0f90ba61943a2f36286728e?s=96&d=mm&r=g","caption":"Leesa Sandoval"},"url":"https:\/\/dev203k.orbitwebx.com\/dev203k\/author\/leesasandoval\/"}]}},"_links":{"self":[{"href":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-json\/wp\/v2\/posts\/661","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-json\/wp\/v2\/comments?post=661"}],"version-history":[{"count":0,"href":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-json\/wp\/v2\/posts\/661\/revisions"}],"wp:attachment":[{"href":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-json\/wp\/v2\/media?parent=661"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-json\/wp\/v2\/categories?post=661"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/dev203k.orbitwebx.com\/dev203k\/wp-json\/wp\/v2\/tags?post=661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}