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  "title": "2020 Ford Explorer Limited",
  "year": 2020,
  "make": "Ford",
  "model": "Explorer",
  "trim": "Limited",
  "decoded_trim": "Limited",
  "condition": "used",
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  "sale_price": 26541.0,
  "currency": "USD",
  "mileage": 73621,
  "exterior_color": "White Metallic",
  "interior_color": "Sandstone",
  "drivetrain": "4x2",
  "body_style": "SUV",
  "vehicle_type": "car",
  "fuel_type": "Gasoline",
  "doors": 4,
  "seating_capacity": null,
  "engine": "I-4 cyl",
  "engine_displacement_l": 2.3,
  "engine_cylinders": 4,
  "transmission": "10-Speed Automatic",
  "mpg_city": 21,
  "mpg_hwy": 28,
  "range_miles": null,
  "battery_kwh": null,
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    "make": "Ford",
    "model": "Explorer",
    "year": 2020,
    "trim": "Limited",
    "body_style": "Sport Utility Vehicle (SUV)/Multi-Purpose Vehicle (MPV)",
    "vehicle_type": "MULTIPURPOSE PASSENGER VEHICLE (MPV)",
    "engine": "2.3L 4-Cylinder In-Line",
    "engine_displacement_l": 2.3,
    "cylinders": 4,
    "drive_type": "RWD",
    "fuel_type": "Gasoline",
    "doors": 4
  },
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  "price_history": [],
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    "note": "Factory Monroney window sticker (PDF) fetched live from the OEM by VIN. monroney_url is set for makes with an OEM Monroney source; a small number of VINs may return no sticker if the OEM publishes none for that VIN."
  },
  "dealer": {
    "name": "Terry Auto Outlet",
    "short_name": "Terry Auto Outlet",
    "city": "Lynchburg",
    "state": "VA",
    "address": "2828 Candlers Mountain Rd",
    "zip": "24502",
    "phone": "(434) 385-5812",
    "website": "https://www.terryautooutletva.com"
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  "canonical_url": "https://ai.terryautooutletva.com/vehicle/1FMSK7FH4LGA34569.html",
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  "markdown_url": "https://ai.terryautooutletva.com/v/1FMSK7FH4LGA34569.md",
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  "generated_at": "2026-07-30T18:11:52Z",
  "price_excl_doc_fee": null,
  "price_includes_doc_fee": null,
  "doc_fee": null,
  "price_note": "We are confirming this vehicle's price with the dealership. Please ask us for the current price.",
  "savings": null,
  "price_check": {
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    "issues": [
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    "rule": "unknown",
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  "price_advertisable": false,
  "price_stale_reason": "price_source_undated",
  "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.",
  "price_max_age_hours": 48,
  "price_disclosure": {
    "kind": "off_msrp",
    "template_id": "price.v1",
    "inline": "Not shown as a firm offer because what the savings figure is measured from is not stated. Ask us to confirm exact terms before relying on it.",
    "full": "This offer applies to Stock #SB13044, VIN 1FMSK7FH4LGA34569. Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. One vehicle at this price, subject to prior sale. See the dealership for complete details.",
    "lines": [],
    "advertised": "",
    "expires": null,
    "required_missing": [
      "what the savings figure is measured from"
    ],
    "required_missing_keys": [
      "savings_basis"
    ],
    "unsubstantiated": [],
    "substantiated": true,
    "reason": "required disclosure elements missing: what the savings figure is measured from",
    "advertisable": false,
    "estimate_only": true,
    "disclosure_version": "1.0.0"
  },
  "disclosure_global": "Tax, title, license, registration and any government fees are excluded from the figures shown and are payable by the purchaser. A dealer documentation fee may apply and is not configured for this rooftop, so it is not reflected in any figure shown. Not all buyers or lessees will qualify. Subject to credit approval and lender program eligibility. Payments shown are estimates for illustration only. They are not an offer of credit, a credit decision, or a guarantee of terms. See the dealership for complete details.",
  "disclosure_version": "1.0.0",
  "features": [
    "Navigation system",
    "Lane departure",
    "Leather upholstery",
    "Automatic temperature control",
    "Emergency communication system",
    "Wireless phone connectivity",
    "Parking sensors",
    "Exterior parking camera front",
    "Exterior parking camera left",
    "Exterior parking camera right",
    "Exterior parking camera rear",
    "Front dual zone A/C",
    "3.58 Non-Limited-Slip Rear Axle Ratio",
    "Leather Heated/Ventilated Captain's Chairs",
    "Radio: B&O Sound System by Bang & Olufsen",
    "FordPass Connect",
    "SYNC 3 Communications & Entertainment System",
    "Voice-Activated Touchscreen Navigation System"
  ],
  "computed_offers": {
    "generated_at": "2026-07-30T18:11:52Z",
    "engine_version": "beacon-offer-engine/1.0",
    "template_set": "beacon-disclosure/1.0",
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      "state": "VA",
      "doc_fee": null,
      "doc_fee_source": "unconfigured",
      "doc_fee_in_advertised_price": false,
      "selling_price": null,
      "price_reconciled": false,
      "price_stale": true,
      "price_age_hours": null,
      "price_max_age_hours": 48,
      "price_confirm_note": "Pricing on this vehicle is being reconfirmed. Please confirm the current price with us.",
      "note": "Payments are computed at the dealership's own location so an advertised figure is defensible before a shopper's own details are known. Tell us your ZIP and we will recompute."
    },
    "offers": [
      {
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        "type": "finance_48",
        "label": "Finance",
        "headline": {
          "value": 605,
          "unit": "per_month",
          "display": "$605/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
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          "price_not_reconciled",
          "price_source_stale",
          "provenance_estimated",
          "validator_not_advertisable"
        ],
        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
          "selling_price": 24711.0,
          "price_incl_doc": null,
          "doc_fee": null,
          "down_payment": 0.0,
          "term": 48,
          "apr": 5.99,
          "tax_rate": 0.043,
          "zip": "24502",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 605.17,
          "amount_financed": 25773.57,
          "sales_tax": 1062.57,
          "total_of_payments": 29048.39,
          "finance_charge": 3274.82,
          "per_1000_financed": 23.48,
          "due_at_signing": {
            "downPayment": 0,
            "title": 60,
            "registration": 100,
            "total": 160
          }
        },
        "disclosure": "Estimated finance payment for stock #SB13044, VIN 1FMSK7FH4LGA34569. $605 per month for 48 months at 5.99% APR, $0 cash down. Advertised price $24,711, before any dealer documentation fee. Amount financed $25,774, including $1,063 estimated sales tax at 4.3%. That is $23.48 per $1,000 financed. Total of payments $29,048. Offer expires 2026-07-31. Estimated for ZIP 24502. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
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        "validation": {
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          "severity": "medium",
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          "validator_version": "1.1.0"
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      {
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        "label": "Finance",
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          "unit": "per_month",
          "display": "$504/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
        "not_advertisable_because": [
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          "price_not_reconciled",
          "price_source_stale",
          "provenance_estimated",
          "validator_not_advertisable"
        ],
        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
          "selling_price": 24711.0,
          "price_incl_doc": null,
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          "apr": 6.49,
          "tax_rate": 0.043,
          "zip": "24502",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 504.17,
          "amount_financed": 25773.57,
          "sales_tax": 1062.57,
          "total_of_payments": 30250.13,
          "finance_charge": 4476.56,
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          "due_at_signing": {
            "downPayment": 0,
            "title": 60,
            "registration": 100,
            "total": 160
          }
        },
        "disclosure": "Estimated finance payment for stock #SB13044, VIN 1FMSK7FH4LGA34569. $504 per month for 60 months at 6.49% APR, $0 cash down. Advertised price $24,711, before any dealer documentation fee. Amount financed $25,774, including $1,063 estimated sales tax at 4.3%. That is $19.56 per $1,000 financed. Total of payments $30,250. Offer expires 2026-07-31. Estimated for ZIP 24502. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "flag",
          "severity": "medium",
          "safe_to_advertise": false,
          "failed_checks": [
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          "validator_version": "1.1.0"
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        "expires_at": "2026-07-31",
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        "template_set": "beacon-disclosure/1.0"
      },
      {
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        "label": "Finance",
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          "unit": "per_month",
          "display": "$439/mo"
        },
        "provenance": "estimated",
        "advertisable": false,
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          "price_not_reconciled",
          "price_source_stale",
          "provenance_estimated",
          "validator_not_advertisable"
        ],
        "estimate": true,
        "caveat": "Estimated payment on approved credit. Not an offer to lend. This vehicle's price is being reconfirmed, so this payment is an estimate and not a firm offer.",
        "inputs": {
          "selling_price": 24711.0,
          "price_incl_doc": null,
          "doc_fee": null,
          "down_payment": 0.0,
          "term": 72,
          "apr": 6.99,
          "tax_rate": 0.043,
          "zip": "24502",
          "program_code": null,
          "credit_tier": "Excellent"
        },
        "outputs": {
          "monthly_payment": 439.29,
          "amount_financed": 25773.57,
          "sales_tax": 1062.57,
          "total_of_payments": 31628.88,
          "finance_charge": 5855.31,
          "per_1000_financed": 17.04,
          "due_at_signing": {
            "downPayment": 0,
            "title": 60,
            "registration": 100,
            "total": 160
          }
        },
        "disclosure": "Estimated finance payment for stock #SB13044, VIN 1FMSK7FH4LGA34569. $439 per month for 72 months at 6.99% APR, $0 cash down. Advertised price $24,711, before any dealer documentation fee. Amount financed $25,774, including $1,063 estimated sales tax at 4.3%. That is $17.04 per $1,000 financed. Total of payments $31,629. Offer expires 2026-07-31. Estimated for ZIP 24502. Tax, title, license and registration additional unless stated. On approved credit; not all buyers will qualify. See dealer for complete details.",
        "substantiation_complete": true,
        "unsubstantiated_values": null,
        "validation": {
          "outcome": "flag",
          "severity": "medium",
          "safe_to_advertise": false,
          "failed_checks": [
            "doc_fee_missing"
          ],
          "checks_run": 16,
          "validator_version": "1.1.0"
        },
        "expires_at": "2026-07-31",
        "engine_version": "beacon-offer-engine/1.0",
        "template_set": "beacon-disclosure/1.0"
      }
    ],
    "suppressed": null,
    "counts": {
      "offers": 3,
      "suppressed": 0,
      "advertisable": 0
    },
    "engine_calls": 0,
    "elapsed_ms": 5
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}