{"id":15730,"date":"2025-07-18T17:37:41","date_gmt":"2025-07-18T21:37:41","guid":{"rendered":"https:\/\/myratecompass.ca\/blog\/?p=15730"},"modified":"2025-07-20T14:12:03","modified_gmt":"2025-07-20T18:12:03","slug":"pre-approved-vs-pre-qualified-for-a-mortgage","status":"publish","type":"post","link":"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/","title":{"rendered":"Pre-Approved vs. Pre-Qualified for a Mortgage"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_17 counter-hierarchy counter-decimal ez-toc-grey\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" style=\"display: none;\"><i class=\"ez-toc-glyphicon ez-toc-icon-toggle\"><\/i><\/a><\/span><\/div>\n<nav><ul class=\"ez-toc-list ez-toc-list-level-1\"><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/#Introduction_to_Mortgage_Pre-Approval_and_Pre-Qualification\" title=\"Introduction to Mortgage Pre-Approval and Pre-Qualification\">Introduction to Mortgage Pre-Approval and Pre-Qualification<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/#What_Does_It_Mean_to_Get_Pre-Qualified_for_a_Mortgage\" title=\"What Does It Mean to Get Pre-Qualified for a Mortgage?\">What Does It Mean to Get Pre-Qualified for a Mortgage?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/#What_Does_It_Mean_to_Get_Pre-Approved_for_a_Mortgage\" title=\"What Does It Mean to Get Pre-Approved for a Mortgage?\">What Does It Mean to Get Pre-Approved for a Mortgage?<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/#Key_Differences_Between_Pre-Approved_and_Pre-Qualified\" title=\"Key Differences Between Pre-Approved and Pre-Qualified\">Key Differences Between Pre-Approved and Pre-Qualified<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/#The_Importance_of_Pre-Approval_in_the_Home_Buying_Process\" title=\"The Importance of Pre-Approval in the Home Buying Process\">The Importance of Pre-Approval in the Home Buying Process<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/#The_Role_of_Credit_Scores_in_Pre-Approval_and_Pre-Qualification\" title=\"The Role of Credit Scores in Pre-Approval and Pre-Qualification\">The Role of Credit Scores in Pre-Approval and Pre-Qualification<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/#How_to_Get_Pre-Qualified_for_a_Mortgage\" title=\"How to Get Pre-Qualified for a Mortgage\">How to Get Pre-Qualified for a Mortgage<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/#How_to_Get_Pre-Approved_for_a_Mortgage\" title=\"How to Get Pre-Approved for a Mortgage\">How to Get Pre-Approved for a Mortgage<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/#Common_Misconceptions_About_Pre-Approval_and_Pre-Qualification\" title=\"Common Misconceptions About Pre-Approval and Pre-Qualification\">Common Misconceptions About Pre-Approval and Pre-Qualification<\/a><\/li><li class=\"ez-toc-page-1 ez-toc-heading-level-2\"><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/#Conclusion_Making_Informed_Decisions_for_Your_Mortgage_Journey\" title=\"Conclusion: Making Informed Decisions for Your Mortgage Journey\">Conclusion: Making Informed Decisions for Your Mortgage Journey<\/a><\/li><\/ul><\/nav><\/div>\n<span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time:<\/span> <span class=\"rt-time\">5<\/span> <span class=\"rt-label rt-postfix\">Min<\/span><\/span>\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"15730\" class=\"elementor elementor-15730\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f64ffc4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f64ffc4\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5941156f\" data-id=\"5941156f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4484b9f8 elementor-widget elementor-widget-text-editor\" data-id=\"4484b9f8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.17.0 - 08-11-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<article># Understanding the Difference: Pre-Approved vs. Pre-Qualified for a Mortgage<h2><span class=\"ez-toc-section\" id=\"Introduction_to_Mortgage_Pre-Approval_and_Pre-Qualification\"><\/span>Introduction to Mortgage Pre-Approval and Pre-Qualification<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Navigating the world of mortgages can be a daunting task, especially when terms like &#8220;<strong>pre-approved<\/strong>&#8221; and &#8220;<strong>pre-qualified<\/strong>&#8221; are thrown around. As potential homebuyers, understanding these terms is essential in making informed decisions. Both processes are crucial steps in purchasing a home, but they serve different purposes and provide varying levels of assurance to sellers and lenders.<\/p><p>When starting the home buying journey, we often encounter these terms without knowing their significance. <strong>Pre-qualification<\/strong> is generally the first step, offering a basic understanding of what we might afford. In contrast, <strong>pre-approval<\/strong> is a more rigorous process that involves a detailed evaluation of our financial status. Recognizing these differences can ease the stress of buying a home and enhance our negotiation power.<\/p><h2><span class=\"ez-toc-section\" id=\"What_Does_It_Mean_to_Get_Pre-Qualified_for_a_Mortgage\"><\/span>What Does It Mean to Get Pre-Qualified for a Mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Getting pre-qualified is often the initial step in the mortgage process. It involves a preliminary assessment of our financial health, usually based on the information we provide to the lender. This includes our income, debts, and assets, enabling lenders to give us an estimate of how much we might afford to borrow.<\/p><p>During pre-qualification, lenders generally do not perform a credit check, which means it does not affect our credit score. This step is more informal and can often be completed over the phone or online. The aim is to give us a ballpark figure of our borrowing capacity, helping us set realistic expectations for house hunting.<\/p><p>However, it&#8217;s crucial to remember that pre-qualification does not guarantee a mortgage. It\u2019s simply a starting point, offering a general idea of what we might be able to afford. For a more reliable commitment, we will need to move towards pre-approval.<\/p><h2><span class=\"ez-toc-section\" id=\"What_Does_It_Mean_to_Get_Pre-Approved_for_a_Mortgage\"><\/span>What Does It Mean to Get Pre-Approved for a Mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Pre-approval is a more thorough process compared to pre-qualification. It involves a detailed examination of our financial situation, including an official credit check. Lenders will scrutinize our income, employment history, and credit score to determine our eligibility for a mortgage.<\/p><p>Unlike pre-qualification, getting pre-approved requires us to submit documentation, such as pay stubs, tax returns, and bank statements. The lender uses this information to assess our financial stability and creditworthiness. As a result, pre-approval provides a more accurate picture of how much we can borrow and at what interest rates.<\/p><p>The pre-approval process culminates in a pre-approval letter, which is a conditional commitment from the lender to finance our home purchase up to a specified amount. This letter is a powerful tool in negotiations, signaling to sellers that we are serious buyers with the financial backing to close the deal.<\/p><h2><span class=\"ez-toc-section\" id=\"Key_Differences_Between_Pre-Approved_and_Pre-Qualified\"><\/span>Key Differences Between Pre-Approved and Pre-Qualified<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Understanding the key differences between being pre-qualified and pre-approved is crucial in the home buying process. Here are some of the main distinctions:<\/p><ul><li><p><strong>Level of Commitment<\/strong>: Pre-qualification is a preliminary step with no commitment from the lender, while pre-approval involves a conditional commitment after a detailed review.<\/p><\/li><li><p><strong>Credit Check<\/strong>: Pre-qualification does not typically involve a credit check, whereas pre-approval requires a comprehensive credit evaluation.<\/p><\/li><li><p><strong>Documentation<\/strong>: Pre-qualification is based on self-reported data, but pre-approval involves verifying our financial information through documentation.<\/p><\/li><li><p><strong>Accuracy<\/strong>: Pre-approval provides a more accurate loan estimate, as it considers our complete financial profile, unlike the rough estimate from pre-qualification.<\/p><\/li><\/ul><p>These differences highlight why pre-approval is often more valued by sellers and agents. It demonstrates that we have undergone a rigorous financial vetting process and are serious about purchasing a home.<\/p><h2><span class=\"ez-toc-section\" id=\"The_Importance_of_Pre-Approval_in_the_Home_Buying_Process\"><\/span>The Importance of Pre-Approval in the Home Buying Process<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Pre-approval plays a pivotal role in the home buying process, offering several advantages that can make or break our home buying experience. First, it strengthens our position as buyers, showing sellers that we have the financial capability to back up our offer. In competitive markets, having a pre-approval letter can make the difference between winning and losing a bid.<\/p><p>Moreover, pre-approval sets a realistic framework for our budget. By knowing exactly how much a lender is willing to finance, we can focus our search on homes within our price range. This saves time and prevents the disappointment of falling in love with a property we cannot afford.<\/p><p>Finally, pre-approval can expedite the closing process. Since much of the financial vetting has already been completed, the lender only needs to finalize the approval once we have an accepted offer. This can lead to a smoother and quicker transition from offer to closing, a significant benefit in a fast-paced real estate market.<\/p><h2><span class=\"ez-toc-section\" id=\"The_Role_of_Credit_Scores_in_Pre-Approval_and_Pre-Qualification\"><\/span>The Role of Credit Scores in Pre-Approval and Pre-Qualification<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Credit scores are a critical component in both pre-qualification and pre-approval processes, though they play different roles. During pre-qualification, our credit score might not be directly checked, but we are often asked to estimate it. This estimation helps lenders provide a rough borrowing limit based on general assumptions.<\/p><p>In contrast, pre-approval involves a hard inquiry into our credit report. Lenders use this score to assess our creditworthiness and determine the interest rates for which we qualify. A higher credit score can lead to better loan terms, including lower interest rates and more favorable repayment conditions.<\/p><p>Improving our credit score before seeking pre-approval can significantly enhance our mortgage options. Paying down debts, avoiding new credit applications, and correcting errors on our credit report are actionable steps we can take to boost our score and secure more advantageous loan terms.<\/p><h2><span class=\"ez-toc-section\" id=\"How_to_Get_Pre-Qualified_for_a_Mortgage\"><\/span>How to Get Pre-Qualified for a Mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2><p>The pre-qualification process is relatively straightforward and can be completed quickly. Here\u2019s a step-by-step guide to help us get pre-qualified:<\/p><ol><li><p><strong>Gather Financial Information<\/strong>: Before approaching a lender, collect details about our income, debts, assets, and any other financial obligations. This information will form the basis of the pre-qualification assessment.<\/p><\/li><li><p><strong>Choose a Lender<\/strong>: Research and select a lender or mortgage broker to work with. Many offer online pre-qualification forms, making the process convenient and accessible.<\/p><\/li><li><p><strong>Complete the Pre-Qualification Form<\/strong>: Fill out the lender&#8217;s form, providing honest and accurate estimates of our financial status. Remember, this is a preliminary review, so precise documentation isn\u2019t required at this stage.<\/p><\/li><li><p><strong>Receive Pre-Qualification Estimate<\/strong>: After reviewing our information, the lender will provide a pre-qualification estimate, indicating the potential loan amount and terms we might qualify for.<\/p><\/li><\/ol><p>Pre-qualification is a useful starting point, allowing us to understand our financial standing and prepare for the more detailed pre-approval process.<\/p><h2><span class=\"ez-toc-section\" id=\"How_to_Get_Pre-Approved_for_a_Mortgage\"><\/span>How to Get Pre-Approved for a Mortgage<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Securing pre-approval is more involved than pre-qualification and requires careful preparation. Here\u2019s how we can successfully navigate the pre-approval process:<\/p><ol><li><p><strong>Organize Financial Documents<\/strong>: Collect necessary documents such as tax returns, bank statements, pay stubs, and proof of employment. These will be required to verify our financial position.<\/p><\/li><li><p><strong>Select a Lender<\/strong>: Choose a lender we trust to handle our pre-approval and mortgage needs. Consider factors like interest rates, customer service, and lender reputation.<\/p><\/li><li><p><strong>Submit a Mortgage Application<\/strong>: Complete the lender\u2019s mortgage application, providing detailed financial information and the required documentation. The lender will use this data to assess our eligibility.<\/p><\/li><li><p><strong>Undergo Credit Check<\/strong>: Be prepared for a hard inquiry on our credit report. This is a standard part of the pre-approval process and essential for evaluating our creditworthiness.<\/p><\/li><li><p><strong>Receive Pre-Approval Letter<\/strong>: If approved, the lender will issue a pre-approval letter detailing the loan amount and terms we qualify for. This letter can be a powerful tool in negotiations with sellers.<\/p><\/li><\/ol><p>By following these steps, we can enhance our chances of securing a pre-approval, positioning ourselves as serious contenders in the housing market.<\/p><h2><span class=\"ez-toc-section\" id=\"Common_Misconceptions_About_Pre-Approval_and_Pre-Qualification\"><\/span>Common Misconceptions About Pre-Approval and Pre-Qualification<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Despite their importance, several misconceptions surround pre-approval and pre-qualification processes. One common myth is that both terms are interchangeable, leading to confusion about their distinct roles. As we\u2019ve explored, pre-approval involves a more thorough evaluation and offers greater assurance to sellers.<\/p><p>Another misconception is that pre-qualification or pre-approval guarantees a mortgage. In reality, both are preliminary steps, and final approval depends on various factors, including the property appraisal and our financial status at the time of purchase.<\/p><p>Finally, some believe that pre-approval is unnecessary if we have a good credit score or substantial income. However, even with strong financial credentials, pre-approval remains vital in demonstrating our commitment and capability to lenders and sellers alike.<\/p><h2><span class=\"ez-toc-section\" id=\"Conclusion_Making_Informed_Decisions_for_Your_Mortgage_Journey\"><\/span>Conclusion: Making Informed Decisions for Your Mortgage Journey<span class=\"ez-toc-section-end\"><\/span><\/h2><p>Understanding the differences between pre-qualification and pre-approval is crucial for anyone embarking on a mortgage journey. Each step serves a unique purpose and provides different levels of assurance to lenders and sellers. By recognizing these distinctions and preparing accordingly, we can enhance our home buying experience and make informed decisions.<\/p><p>Whether we&#8217;re just starting to explore our options or are ready to make an offer on a home, understanding these processes is key. The journey to securing a mortgage can be complex, but with the right knowledge and preparation, we can navigate this path confidently.<\/p><p><strong>Have questions about your specific mortgage scenario? The world of mortgages can be complex, and every situation is unique.<\/strong> As your dedicated <strong><a href=\"https:\/\/mortgage.mohamedkonate.ca\/mortgage-services\" target=\"_blank\" rel=\"nofollow noopener\">mortgage expert<\/a><\/strong>, I&#8217;m here to provide clarity and reliable answers, helping you navigate your options with confidence.<\/p><\/article>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p><span class=\"rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Reading Time:<\/span> <span class=\"rt-time\">5<\/span> <span class=\"rt-label rt-postfix\">Min<\/span><\/span> # Understanding the Difference: Pre-Approved vs. Pre-Qualified for a Mortgage Introduction to Mortgage Pre-Approval and Pre-Qualification Navigating the world of mortgages can be a daunting task, especially when terms like &#8220;pre-approved&#8221; and &#8220;pre-qualified&#8221; are thrown around. As potential homebuyers, understanding these terms is essential in making informed decisions. Both processes are crucial steps in purchasing&hellip; <a class=\"more-link\" href=\"https:\/\/myratecompass.ca\/blog\/mortgages\/pre-approved-vs-pre-qualified-for-a-mortgage\/\">Continue reading <span class=\"screen-reader-text\">Pre-Approved vs. Pre-Qualified for a Mortgage<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-15730","post","type-post","status-publish","format-standard","hentry","category-mortgages","entry"],"aioseo_notices":[],"featured_image_urls":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","post-thumbnail":"","post-image-medium":""},"post_excerpt_stackable":"<p>Table of Contents Introduction to Mortgage Pre-Approval and Pre-QualificationWhat Does It Mean to Get Pre-Qualified for a Mortgage?What Does It Mean to Get Pre-Approved for a Mortgage?Key Differences Between Pre-Approved and Pre-QualifiedThe Importance of Pre-Approval in the Home Buying ProcessThe Role of Credit Scores in Pre-Approval and Pre-QualificationHow to Get Pre-Qualified for a MortgageHow to Get Pre-Approved for a MortgageCommon Misconceptions About Pre-Approval and Pre-QualificationConclusion: Making Informed Decisions for Your Mortgage Journey Reading Time: 5 Min # Understanding the Difference: Pre-Approved vs. Pre-Qualified for a MortgageIntroduction to Mortgage Pre-Approval and Pre-QualificationNavigating the world of mortgages can be a daunting task,&hellip;<\/p>\n","category_list":"<a href=\"https:\/\/myratecompass.ca\/blog\/.\/mortgages\/\" rel=\"category tag\">Mortgages<\/a>","author_info":{"name":"Mohamed Konate","url":"https:\/\/myratecompass.ca\/blog\/author\/admin\/"},"comments_num":"0 comments","featured_image_urls_v2":{"full":"","thumbnail":"","medium":"","medium_large":"","large":"","1536x1536":"","2048x2048":"","post-thumbnail":"","post-image-medium":""},"post_excerpt_stackable_v2":"<p>Table of Contents Introduction to Mortgage Pre-Approval and Pre-QualificationWhat Does It Mean to Get Pre-Qualified for a Mortgage?What Does It Mean to Get Pre-Approved for a Mortgage?Key Differences Between Pre-Approved and Pre-QualifiedThe Importance of Pre-Approval in the Home Buying ProcessThe Role of Credit Scores in Pre-Approval and Pre-QualificationHow to Get Pre-Qualified for a MortgageHow to Get Pre-Approved for a MortgageCommon Misconceptions About Pre-Approval and Pre-QualificationConclusion: Making Informed Decisions for Your Mortgage Journey Reading Time: 5 Min # Understanding the Difference: Pre-Approved vs. Pre-Qualified for a MortgageIntroduction to Mortgage Pre-Approval and Pre-QualificationNavigating the world of mortgages can be a daunting task,&hellip;<\/p>\n","category_list_v2":"<a href=\"https:\/\/myratecompass.ca\/blog\/.\/mortgages\/\" rel=\"category tag\">Mortgages<\/a>","author_info_v2":{"name":"Mohamed Konate","url":"https:\/\/myratecompass.ca\/blog\/author\/admin\/"},"comments_num_v2":"0 comments","jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/15730","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/comments?post=15730"}],"version-history":[{"count":6,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/15730\/revisions"}],"predecessor-version":[{"id":15755,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/posts\/15730\/revisions\/15755"}],"wp:attachment":[{"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/media?parent=15730"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/categories?post=15730"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/myratecompass.ca\/blog\/wp-json\/wp\/v2\/tags?post=15730"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}