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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;">Will Rates Go Down in 2026?</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;">FHFA Announces New Conforming Loan Limits</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;">Fed Decision Affects Short-Term Options</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;">Will Rates Go Down in 2026?</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>WILL RATES GO DOWN IN 2026?</strong>&nbsp; Rates have been somewhat consistent over the last two months, and most experts agree that rates will not move significantly in 2026. Fannie Mae, Freddie Mac, and MBA are all predicting 30-year fixed rates around the low-to-mid 6% range. Rather than waiting for “the perfect rate,” borrowers may want to improve credit scores and decrease debt-to-income ratios (DTI) to get the best rates possible, and explore the many loan programs that are available now.</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;">FHFA Announces New Conforming Loan Limits</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;">The Federal Housing Finance Agency (FHFA) released updated conforming loan limit (CLL) values for 2026. The new limits for loans backed by Fannie Mae or Freddie Mac have risen 3.25%, up to $832,750 for one-unit properties in most counties. The limit in high-cost areas (such as New York City, Los Angeles, Alaska, and Hawaii) is up to $1,249,125. Loan limits have also gone up for two-, three-, and four-unit properties.</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><strong><a href="https://www.fhfa.gov/data/dashboard/conforming-loan-limit-values-map" target="_blank" style="text-decoration: underline; color: #16450e;" rel="noopener">Here’s a map</a></strong> that shows the 2026 conforming loan limit ranges for every county in the US.</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>This is great news for potential home buyers who may now qualify for a conforming loan, rather than a Jumbo loan. Conforming loans require as little as 3% down, while Jumbo loans require a much higher down payment, a higher credit score, and additional cash reserves.</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>Likewise, this is good news for homeowners that currently have a Jumbo loan, but now may be able to refinance into a conforming loan. If the remaining loan balance is below the new conforming loan limit range, it could be worth looking into. The qualification process is more straightforward with conforming loans and may come with lower interest rates.</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>Fed Decision Affects Short-Term Options</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 Federal Reserve dropped the benchmark lending rate a quarter point last month. This brings the Fed rate down to 3.5% to 3.75%. While this does not directly affect long-term mortgage rates, some shorter-term mortgage options may be worth looking into now.</span></p>
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																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;"><strong><span style="word-break: break-word; color: #16450e;">Lower Introductory Rates on ARMs<br></span></strong>We see lower introductory rates on Adjustable-Rate mortgages (ARMs) since the recent Fed decision. Introductory rates on ARMs are typically set for 5, 7, or 10 years.<br><br>Homebuyers often consider this type of loan to reduce monthly payments in the initial phase of the loan. This works well for borrowers who do not intend to stay in the home for an extended amount of time, or anticipate a future increase in income. Another option is to refinance before the loan resets.<br><br></span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;"><span style="word-break: break-word; color: #16450e;"><strong>Pay Off Debt at a Lower Rate<br></strong></span>Homeowners with built-up equity may want to consider paying off high-interest credit card debt at a much lower rate with a Home Equity Line of Credit (HELOC) now.<br><br>A HELOC provides flexible access to funds for any purpose. Whether you want to consolidate debt, pay for home improvements, or start a new business, we’re here to help you make educated decisions about managing your mortgage.</span></li>
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																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">If you – or your friends and family – need an expert that’s ready to help you meet your 2026 mortgage goals, please give me a call!&nbsp;</span></p>
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