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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;">A Buyer’s Market Takes Hold</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;">What Homebuyers Need to Know</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;">Is Now a Good Time to Refinance?</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;">A Buyer's Market Takes Hold</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>A BUYER’S MARKET TAKES HOLD:</strong>&nbsp; National averages indicate that prospective homebuyers have more leverage to negotiate now, as there are more sellers than buyers in the marketplace. This shift in supply and demand brings welcomed opportunities for buyers, and price cuts are more frequent.</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;">What Homebuyers Need to Know</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 have dropped to the lowest level in more than a year, and the market is leaning in favor of prospective homebuyers. This is a great time to go deep into what types of loan programs are available, and which one works best for your specific needs.</span></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;"><br>Once this analysis is complete, it’s essential to get full preapproval from a lender before making an offer on a new home. Preapproval gives a clear roadmap on how much home you can afford. Plus, you have &nbsp;a competitive edge with a lender’s endorsement behind you! Call me directly to start creating your home buying 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>Is Now a Good Time to Refinance?</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;">Falling rates have sparked a refinance boom, and the demand for refinancing has increased 111% from the same week one year ago.&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 bought your home within the last few years, you may benefit from a refinance now, if you’re looking for a lower interest rate.&nbsp;<br><br>If you have built-up equity, this may be a great time to leverage that equity to pay off debt and regroup. Currently, the average interest rate on credit cards is around 22% to 24%, and refinance rates are significantly lower. Using equity to pay off credit card debt can represent a huge savings to restructure your financial future.&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>Whether you’re buying or refinancing, my team and I are here to help you through the hurdles. We provide a clear analysis of your options to help you make a sound decision. Give me a call if you – or your friends and family – need an experienced mortgage pro on their side!</span></p>
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