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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: #16450e;"><span style="word-break: break-word;">Non-QM Loans Are Booming This Year</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: #16450e;">Using Home Equity to Build Wealth</a></span></li>
																			<li style="text-align: left;"><span style="word-break: break-word; color: #16450e;"><a href="#topic03" target="_self" style="text-decoration:underline;color:#16450e;"><span style="word-break: break-word; font-size: 12px;"><span style="word-break: break-word;">In the News: New Hope for Veterans</span></span></a><span style="word-break: break-word; font-size: 12px;"><span style="word-break: break-word;"><span style="word-break: break-word; text-decoration: underline;">&nbsp;</span></span></span></span></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;">Non-QM Loans Are Booming This Year</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>FLEXIBILITY WITH TAILORED UNDERWRITING:</strong>&nbsp; Non-QM (non-qualified mortgage) loans hit a record high this year, as they offer much more flexibility to borrowers who qualify using alternative documentation. These loans are especially attractive to freelancers, independent contractors, business owners, investors, and borrowers with high DTI, or a recent bankruptcy or foreclosure.</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;">Using Home Equity to Build Wealth</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;">Home equity reached record levels this summer, with the average American homeowner sitting on $212K in tappable equity. That’s leaving 20% of equity in place on the existing mortgage. Here are a few ideas to take that equity and invest to build wealth.</span></p>
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																			<li><span style="word-break: break-word; color: #0d0f18;">Invest in a rental property to increase income</span></li>
																			<li><span style="word-break: break-word; color: #0d0f18;">Home improvements to increase your resale value</span></li>
																			<li><span style="word-break: break-word; color: #0d0f18;">Start or expand your business at a lower interest rate than a business loan</span></li>
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																		<p style="margin: 0; mso-line-height-alt: 24px;"><span style="word-break: break-word; color: #0d0f18;">We can run the numbers and look at what type of loan is best for you, whether it be a Home Equity Line of Credit (HELOC), home equity loan, or a cash-out refinance. Our job is to present you with all your options, to make the smartest decision for your wealth-building plan. 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>In the News: New Hope for Veterans</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;">The Veterans Affairs Servicing Purchase (VASP) program was abruptly cancelled as of May 1, 2025, leaving nearly 90,000 veterans at risk of losing their homes due to delinquent payments. ICE Mortgage Technology data indicated that 33,000 of those veterans were already in the foreclosure process.<br><br>Fortunately, Congress proactively stepped up to pass the VA Home Loan Program Reform Act, with strong bipartisan support in both the House and Senate. The Act was signed into law Wednesday, July 30, 2025.<br><br>To receive assistance from this program, veterans must first obtain a Certificate of Eligibility (COE) from the VA, and proceed to work with a VA-approved lender.&nbsp;</span></p>
																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;"><br><strong><a href="https://www.va.gov/housing-assistance/home-loans/request-coe-form-26-1880/introduction" target="_blank" style="text-decoration: underline; color: #16450e;" rel="noopener">Click here</a></strong> to learn more about <a href="https://www.va.gov/housing-assistance/home-loans/how-to-request-coe/" target="_blank" style="text-decoration: underline; color: #16450e;" rel="noopener"><strong>how to request a COE</strong></a>. Veterans who have questions about eligibility can also call the US Department of Veterans Affairs at 877-827-3702 or TTY: 711, Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.</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;"><br>Of course, you’re always more than welcome to call me regarding all your mortgage needs. My team and I are diligently watching the market on behalf of our clients, and our goal is to give everyone the five-star service they deserve!&nbsp;</span></p>
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