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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: #293d4e;"><strong><span style="word-break: break-word;">How to Get a Lower Rate</span></strong></span></p>
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																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #000000;"><span style="word-break: break-word;">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;">Mortgage rates have fallen over the last few weeks, but it may not be in consumers’ best interest to hold out and see if rates will drop even more. Last week, Fannie Mae reported they expect to see rates fall below 6% by the end of 2026. So, is it worth it for prospective home buyers and those who are thinking about refinancing to wait another year to see if rates come down? Let’s take a look at a few ways to lower your rate now!</p>
																		<p style="margin: 0; mso-line-height-alt: 19.5px;"><br><span style="word-break: break-word; font-size: 13px; color: #293d4e;"><strong>Adjustables Make a Comeback</strong></span><br>There’s been a huge uptick in Adjustable-Rate Mortgages (ARMs) recently, which often has a lower introductory rate for a set period, typically 5, 7 or 10 years. After the introductory offer ends, then the interest rate changes at scheduled intervals. If you don’t plan on staying in the home for an extended length of time, you may be able to sell before the interest rate adjusts. Plus, you have the potential to refinance into a fixed-rate loan when rates go down.</p>
																		<p style="margin: 0; mso-line-height-alt: 19.5px;"><br><span style="word-break: break-word; color: #293d4e;"><strong><span style="word-break: break-word; font-size: 13px;">Consider Buying Points Up Front</span></strong></span><br>Mortgage points (or discount points) are fees you can pay up front to lower your interest rate, where one point will cost 1% of your loan amount. For example, if your loan amount is $350,000, then one point would be $3,500. This may increase your closing costs, but it can also save you thousands of dollars in interest fees over the life of the loan. In general, the longer you plan on staying in the home, the greater the benefit. We can calculate the break-even point on how much you save in interest, compared to the cost of points paid up front.</p>
																		<p style="margin: 0; mso-line-height-alt: 19.5px;"><br><span style="word-break: break-word; font-size: 13px; color: #293d4e;"><strong>Increase Your Credit Score</strong></span><br>People with higher credit scores have the potential to get a lower rate, as lenders can see a responsible track record for managing debt. Paying down existing debt will also help to lower your debt-to-income (DTI) ratio, and in turn, that increases your credit score.&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 19.5px;"><br>Give us a call to take an in-depth look at all your options! We’re ready to help you make a sound decision based on comparative analysis to weigh out the pros and cons. I look forward to seeing you soon, and don’t forget to share my contact information with your co-workers, family, and friends!<br><br>Best regards,</p>
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