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																		<p style="margin: 0; text-align: center; mso-line-height-alt: 14.399999999999999px;"><span style="font-size:18px;color:#ec5355;"><strong><span style="color:#630376;">Fed Holds Rates Steady</span><br></strong></span></p>
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																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 18px;"><span style="font-size:12px;color:#000000;"><span style>Hi </span>{!Contact.FirstName},</span></p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">The Federal Open Market Committee (FOMC) had its first meeting of the year at the end of January. The decision was made to hold benchmark interest rates steady at 5.25% to 5.50% for the fourth consecutive meeting.</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;"><br>Chairman Jerome Powell acknowledged that good progress has been made, but downplayed any likelihood of cutting rates at the next FOMC meeting in March.&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;"><br>US inflation is currently at 3.35%. The Fed doesn’t expect to lower rates until it has greater confidence that inflation is moving sustainably toward their 2% goal.&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 21px;"><br><span style="font-size:14px;color:#630376;"><strong>Mortgage Update</strong></span><br>Freddie Mac reported that mortgage rates dipped after the Fed meeting, bringing the national average on 30-year fixed-rate mortgages down to 6.63% on February 1st.&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 21px;"><br>According to Freddie Mac’s Chief Economist, Sam Khater, the combination of a solid economy, strong demographics, and lower mortgage rates are setting the stage for a more robust housing market.</p>
																		<p style="margin: 0; mso-line-height-alt: 21px;"><br>Khater stated, “Mortgage rates have been stable for nearly two months, but with continued deceleration in inflation we expect rates to decline further.”</p>
																		<p style="margin: 0; mso-line-height-alt: 21px;"><br>If you’re interested in buying a home or refinancing, give me a call for a complete analysis of your options! We have the tools and resources to help you lock in the best loan to fit your needs.</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 21px;">Best regards,</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 18px;"><span style="font-size:12px;color:#000000;">{!User.FirstName}</span></p>
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