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																<div align="center" style="line-height:10px"><a href="https://www.mpc-news.com//email/The%20Closing%20Email%20of%20the%20Week/ClosingEmailoftheWee192021HeaderImage.png" target="_blank" style="outline:none" tabindex="-1"><img class="big" src="https://www.mpc-news.com//email/The%20Closing%20Email%20of%20the%20Week/ClosingEmailoftheWee192021HeaderImage.png" style="display: block; height: auto; border: 0; width: 615px; max-width: 100%;" width="615" alt="Mortgage Points" title="Mortgage Points"></a></div>
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																		<p style="margin: 0; text-align: center;"><span style="font-size:24px;color:#34a8dc;">Are Mortgage Points Worth It?</span></p>
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																		<p style="margin: 0; font-size: 13px; mso-line-height-alt: 21.6px;"><span style="font-size:12px;color:#000000;"><span style>Dear&nbsp;</span>{!Contact.FirstName},</span></p>
																		<p style="margin: 0; mso-line-height-alt: 21.6px;">&nbsp;</p>
																		<p style="margin: 0;"><span style="color:#000000;">There are some cases where buying mortgage points can save you a substantial amount of money over the life of your loan. While mortgage discount points are an excellent choice for some borrowers, they’re not right for everyone. To determine if mortgage points are right for you, there are two main questions to ask yourself.</span></p>
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																		<p style="margin: 0; text-align: center;"><span style="color:#34a8dc;"><strong>How Long Do You Plan to Live in Your Home?</strong></span></p>
																		<p style="margin: 0; text-align: center; mso-line-height-alt: 21.6px;">&nbsp;</p>
																		<p style="margin: 0; text-align: center;"><span style="color:#000000;">The length of time you stay in your home is one of the most important factors. If you only plan to live in your house for a few years, it’s probably a better decision to pay lower closing costs and higher monthly payments.</span></p>
																		<p style="margin: 0; text-align: center; mso-line-height-alt: 21.6px;">&nbsp;</p>
																		<p style="margin: 0; text-align: center;"><span style="color:#34a8dc;"><strong>How Much Money Do You Have to Put Down at Closing?</strong></span></p>
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																		<p style="margin: 0; text-align: center;"><span style="color:#000000;">If your down payment on a conventional loan is under 20%, you may be required to pay private mortgage insurance (PMI), which can cost about 1% of the loan amount annually.&nbsp;</span></p>
																		<p style="margin: 0; text-align: center; mso-line-height-alt: 21.6px;">&nbsp;</p>
																		<p style="margin: 0; text-align: center;"><span style="color:#000000;">This is important for clients who are on the fence between paying for mortgage discount points or a larger down payment. If it’s between discount points and boosting your down payment to 20% or over, you’ll want to choose the down payment most of the time. Always do the math and consider if your discount points are costing you more or less than your monthly PMI fees.</span></p>
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																		<p style="margin: 0;"><span style="color:#000000;">There are a variety of factors that go into whether you should purchase discount points to buy down your interest rate. I can help you determine if mortgage points might be right for you!&nbsp;</span></p>
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