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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;">Fed Cuts Rates, Suggesting More Cuts to Come</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;">Mortgage Rates Trending Down</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;">How to Get a Lower Rate</span></span></a></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;">Fed Cuts Rates, Suggesting More Cuts to Come</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>RESULTS OF THE FED'S SEPTEMBER MEETING:</strong>&nbsp; The Federal Reserve cut the benchmark interest rate .25% in their recent meeting, caught between balancing the economy’s nagging inflation and stagnant job growth. This is the first cut since 2024, putting the Fed Funds Rate at new range of 4% to 4.25%. The Fed has penciled in two more rate cuts this year, and a third cut in 2026.</span></p>
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																		<p style="margin: 0; text-align: left; font-size: 12px; mso-line-height-alt: 24px;"><span style="word-break: break-word; color: #16450e; font-size: 16px;"><strong><span style="word-break: break-word;">Mortgage Rates Trending Down</span></strong></span></p>
																		<p style="margin: 0; text-align: left; font-size: 12px; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; text-align: left; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">Mortgage rates are on a downward trend, and we’re seeing the lowest rates in 11 months. This is good news for many potential home buyers, as well as current owners seeking to refinance.</span></p>
																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; color: #0d0f18; font-size: 12px;"><br>Whether you’re interested in purchasing or refinancing, lenders will take certain factors into consideration when determining your interest rate. This includes:</span></p>
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																			<li><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">Credit score and credit history</span></li>
																			<li><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">Income and employment stability</span></li>
																			<li><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">Debt-to-Income (DTI) ratio</span></li>
																			<li><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">Assets and reserves</span></li>
																			<li><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">Property appraisal</span></li>
																			<li><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">Loan-to-value (LTV)</span></li>
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																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">My team and I are continuously monitoring rates for our clients, in the effort to lock in the best rate possible. Give us a call to get started on your mortgage plan for success!</span></p>
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																<div style="font-family:'Lato', Tahoma, Verdana, Segoe, sans-serif;text-align:center;" align="center"><div class="our-class"><a name="topic03"></a><br /> </div></div>
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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>How to Get a Lower Rate</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;">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!</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><span style="word-break: break-word; color: #16450e;"><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.</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><span style="word-break: break-word; color: #16450e;"><strong>Consider Buying Points Up Front</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.</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><span style="word-break: break-word; color: #16450e;"><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;</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>If you’re thinking about buying a home, refinancing, or taking advantage of built-up equity, give me a call to get in on the action! My team and I are ready to help you weigh out all your options through comparative analysis. I look forward to seeing you soon, and don’t forget to share my contact information with your co-workers, family, and friends!</span></p>
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												</td>
											</tr>
										</tbody>
									</table>
								</td>
							</tr>
						</tbody>
					</table>
				</td>
			</tr>
		</tbody>
	</table><!-- End -->
</body>

</html>