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																		<p style="margin: 0; text-align: center; mso-line-height-alt: 14.399999999999999px;"><span style="word-break: break-word; font-size: 18px; color: #324b64;"><strong><span style="word-break: break-word;">Tackling the Down Payment</span></strong></span></p>
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																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">In today’s economy, some potential first-time home buyers are concerned about how to save for a down payment. While it may seem like a daunting task, some careful planning can put you on the right track. Here are a few ideas to consider.</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;"><br><span style="word-break: break-word; color: #29506f;"><strong>Cut Non-Essential Expenses</strong></span><br>Take a hard look at your budget and separate the things you want from things you really need. Then decide what spending you can cut back on and put into savings.</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;"><br><span style="word-break: break-word; color: #29506f;"><strong>Shop with a List</strong></span><br>One big wallet-gouger is the grocery bill. Make a list before shopping to avoid impulse buys, clip coupons, and use your rewards cards to bring the total cost down. Remember, cooking at home can still be much less expensive <em>and healthier</em> than eating out.&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;"><br><span style="word-break: break-word; color: #29506f;"><strong>Set up a Separate Savings Account</strong></span><br>Having a dedicated savings account set up for your down payment gives you an easy way to track your progress, and keeps it “off limits” from monthly spending. Find out what type of account works best for you, such as a high-yield savings account, or a short-term CD.</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;"><br><span style="word-break: break-word; color: #29506f;"><strong>Start a Side Hustle</strong></span><br>What can you do in your spare time to increase your income? Let’s say you’re crafty, or like walking dogs, or perhaps you have some handy-man skills -- working a few extra hours a week can really add up over time! You may even find a place online to promote your services, such as <a href="https://www.taskrabbit.com/" target="_blank" style="text-decoration: underline; color: #29506f;" rel="noopener"><strong>Taskrabbit</strong></a>, <a href="https://www.angi.com/" target="_blank" style="text-decoration: underline; color: #29506f;" rel="noopener"><strong>Angi</strong></a>, or <a href="https://www.etsy.com/" target="_blank" style="text-decoration: underline; color: #29506f;" rel="noopener"><strong>Etsy</strong></a>.</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;"><br><span style="word-break: break-word; color: #29506f;"><strong>Look into a Low or No Money Down Mortgage</strong></span><br>This is where I come in! 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.&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;"><br>My job is to review all your options and find the best loan to fit your needs! Please give me a call if you – or your family and friends – need a knowledgeable mortgage professional who looks out for <em>your </em>best interest!<br><br>Best regards,</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
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