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</div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Your responsibilities</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/your-homes-value" title="Your home's value"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Your home's value</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/home-maintenance" title="Maintaining your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Maintaining your home</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/homeownership-costs" title="Homeownership costs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-owning.svg" alt=""> </div> <div>Homeownership costs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu refinancing" id="subnav-refinancing" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-refinancing nav-menu-toggle submenu-wrapper" id="subnav-back-refinancing"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/refinancing" title="Refinancing"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Refinancing Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/planning-to-refinance" title="Planning to refinance"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Planning to refinance</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/costs-of-refinancing" title="Costs of refinancing"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Costs of refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/options-for-refinancing" title="Options for refinancing"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Options for refinancing</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/working-with-your-lender" title="Working with your lender"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Working with your lender</div> </a> </li> <li role="listitem"> <a class="block" href="/refinancing/closing-your-loan" title="Closing your loan"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-refinancing.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu selling" id="subnav-selling" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-selling nav-menu-toggle submenu-wrapper" id="subnav-back-selling"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/selling" title="Selling"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Selling Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/working-with-your-agent" title="Working with your agent"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Working with your agent</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/costs-of-selling" title="Costs of selling"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Costs of selling</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/preparing-to-sell-your-home" title="Preparing to sell your home"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Preparing to sell your home</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/negotiating-offers" title="Negotiating offers"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Negotiating offers</div> </a> </li> <li role="listitem"> <a class="block" href="/selling/closing-your-loan-when-selling" title="Closing your loan"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-selling.svg" alt=""> </div> <div>Closing your loan</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu renting" id="subnav-renting" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-renting nav-menu-toggle submenu-wrapper" id="subnav-back-renting"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/renting" title="Renting"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Renting Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/what-can-you-afford" title="What can you afford"> <div class="eyebrow"> Step 1 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>What can you afford</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/preparing-to-rent" title="Preparing to rent"> <div class="eyebrow"> Step 2 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Preparing to rent</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/finding-the-right-rental" title="Finding the right rental"> <div class="eyebrow"> Step 3 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Finding the right rental</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/applying-for-a-lease" title="Applying for a lease"> <div class="eyebrow"> Step 4 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Applying for a lease</div> </a> </li> <li role="listitem"> <a class="block" href="/renting/before-you-sign" title="Know before you sign"> <div class="eyebrow"> Step 5 </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-renting.svg" alt=""> </div> <div>Know before you sign</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu getting-help" id="subnav-getting-help" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-getting-help nav-menu-toggle submenu-wrapper" id="subnav-back-getting-help"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 0; width:0.875rem; height:1.125rem" viewbox="0 0 30 40"> <g stroke-width="4" fill="none" class="stroke-contrast"> <line x1="2" y1="21" x2="23" y2="4"/> <line x1="2" y1="21" x2="23" y2="38"/> </g> </svg> Back<span class="show-for-sr"> to previous menu</span> </button> </div> <div class="grid-x"> <div class="cell"> <ul role="list" class="menu vertical no-margin-top half-gutter-top gutter-bottom"> <li role="listitem" class="overview-item"> <a class="block" href="/getting-help" title="Getting Help"> <div class="eyebrow"></div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Getting Help Overview</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/assessing-your-situation" title="Assessing your financial situation"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Assessing your financial situation</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/who-to-contact-for-help" title="Who to contact for help"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Who to contact for help</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/options-to-stay" title="Options to stay in your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Options to stay in your home</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/options-to-leave" title="Options to leave your home"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Options to leave your home</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/natural-disasters" title="Help after a natural disaster"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Help after a natural disaster</div> </a> </li> <li role="listitem"> <a class="block" href="/getting-help/avoiding-fraud" title="Avoiding fraud"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Avoiding fraud</div> </a> </li> <li role="listitem"> <a class="block" href="/owning/borrower-notification-letter-faqs" title="Borrower notification letter FAQs"> <div class="eyebrow"> </div> <div class="float-right" aria-hidden="true"> <img src="/sites/g/files/ynjofi136/themes/site/myhome_theme/images/icons/arrow-getting-help.svg" alt=""> </div> <div>Borrower notification letter FAQs</div> </a> </li> </ul> </div> </div> </div> <div role="menu" class="submenu blog" id="subnav-blog" data-toggler data-animate="slide-in-subnav slide-out-subnav" style="display: none;" tabindex="-1"> <div class="clearfix subnav-icons"> <button class="nav-icon float-left subnav-back" type="button" data-toggle="subnav-blog nav-menu-toggle submenu-wrapper" id="subnav-back-blog"> <svg aria-hidden="true" xmlns="http://www.w3.org/2000/svg" style="margin-left: 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