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																		<p style="margin: 0; text-align: left; mso-line-height-alt: 24px;"><span style="word-break: break-word; color: #16450e; font-size: 16px;"><strong><span style="word-break: break-word;">In This Issue:</span></strong></span></p>
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																			<li style="text-align: left;"><span style="word-break: break-word; color: #0d0f18; font-size: 12px;"><a href="#topic01" target="_self" style="text-decoration: underline; color: #0d0f18;"><span style="word-break: break-word;">FHFA Announces Credit Scoring Breakthrough</span></a></span></li>
																			<li style="text-align: left;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;"><a href="#topic02" target="_self" style="text-decoration: underline; color: #0d0f18;">Tackling the Down Payment</a></span></li>
																			<li style="text-align: left;"><a href="#topic03" target="_self" style="text-decoration: underline; color: #0d0f18;"><span style="word-break: break-word; color: #403d46; font-size: 12px;"><span style="word-break: break-word;"><span style="word-break: break-word; color: #2d2d2d; text-decoration: underline;"><span style="word-break: break-word; color: #0d0f18; text-decoration: underline;">Top Home Renovations to Increase Value</span></span></span></span></a></li>
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																		<p style="margin: 0; text-align: left; mso-line-height-alt: 24px;"><span style="word-break: break-word; color: #16450e; font-size: 16px;"><strong><span style="word-break: break-word;">FHFA Announces Credit Scoring Breakthrough</span></strong></span></p>
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																		<p style="margin: 0; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;"><strong>IN THE NEWS:</strong>&nbsp; On July 8, 2025, U.S. Federal Housing (FHFA) announced that lenders will be able to use the VantageScore® 4.0 credit model via the tri-merge credit report requirement. Fannie Mae and Freddie Mac&nbsp; are working closely with FHFA on the next steps and remain committed to a smooth transition for industry partners. FHFA believes the inclusion of VantageScore will make the dream of homeownership available to more Americans.</span></p>
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																		<p style="margin: 0; text-align: left; mso-line-height-alt: 24px;"><span style="word-break: break-word; color: #16450e; font-size: 16px;"><strong><span style="word-break: break-word;">Tackling the Down Payment</span></strong></span></p>
																		<p style="margin: 0; text-align: left; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 24px;"><span style="word-break: break-word; color: #0d0f18;">Saving for a down payment may seem like a daunting task, but some careful planning can put you on the right track. Here are a few tips to get in the habit of saving money.</span></p>
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																			<li><span style="word-break: break-word; color: #0d0f18;">Cut non-essential expenses</span></li>
																			<li><span style="word-break: break-word; color: #0d0f18;">Shop with a list to avoid impulse buys</span></li>
																			<li><span style="word-break: break-word; color: #0d0f18;">Set up a separate savings account exclusively for your down payment</span></li>
																			<li><span style="word-break: break-word; color: #0d0f18;">Start a side hustle to make extra money in your spare time&nbsp;</span></li>
																			<li><span style="word-break: break-word; color: #0d0f18;">Look into a low or no money down mortgage program</span></li>
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																		<p style="margin: 0; mso-line-height-alt: 24px;"><span style="word-break: break-word; color: #0d0f18;">There are many loan programs available for first-time home buyers that require little to no money down. Plus, many lenders extend “first-time” eligibility to a potential buyer who has not owned a home in the last three years. Give me a call to learn more!</span></p>
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																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 24px;"><span style="word-break: break-word; font-size: 16px; color: #16450e;"><strong>Top Home Renovations to Increase Value</strong></span></p>
																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Summer is the perfect time for home upgrade projects, while longer days and better weather often lead to faster project completion. Here are some of the top renovation ideas that increase the value of your home.</span></p>
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																				<p style="margin: 0; mso-line-height-alt: 18px;"><span style="word-break: break-word; color: #0d0f18;"><strong>Garage Door Replacement</strong> – Replacing an old garage door has the highest return on investment (ROI) for home improvement projects. A new garage door amplifies curb appeal, increases the home’s value, and improves energy efficiency. Plus, you may find new technology offers better protection from collisions and break-ins.<br><br></span></p>
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																				<p style="margin: 0; mso-line-height-alt: 18px;"><span style="word-break: break-word; color: #0d0f18;"><strong>Front Door Upgrade</strong> – Your front door makes the first impression for all who enter, and may also offer increased security and energy efficiency. It’s another winner for curb appeal!<br><br></span></p>
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																				<p style="margin: 0; mso-line-height-alt: 18px;"><span style="word-break: break-word; color: #0d0f18;"><strong>Minor Kitchen Remodel</strong> – The kitchen is the heart of the home, and improvements here can boost your home’s value and appeal. While you may consider upgrading appliances to modernize, cosmetic upgrades tend to offer a better ROI. Think about resurfacing cabinets and countertops, repaint the walls, install new flooring, and upgrade your sink and hardware for a mid-range upgrade.</span></p>
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																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">These are just a few ideas to enhance your home, along with its value. Give me a call to learn more about using your built-up equity to finance your next project! A Home Equity Loan or a Home Equity Line of Credit (HELOC) could be just what you need to bring your ideas to life. Let’s explore your options!&nbsp;</span></p>
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