{"version":"1.1.0","chapters":[{"startTime":120.0,"title":"How do you find the right lender?"},{"startTime":232.0,"title":"What are points and \"buying down\" the interest rate?"},{"startTime":529.0,"title":"How do you compare estimates from different lenders?"},{"startTime":832.0,"title":"What are the initial steps of the mortgage application process?"},{"startTime":1188.0,"title":"What is the appraisal?"},{"startTime":1457.0,"title":"What is the closing disclosure and when do you receive it?"}]}