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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;">Refis Surge as Interest Rates Dip</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;">Buy Now or Wait and Save?</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;">Tips on Saving for the Down Payment</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;">Refis Surge as Interest Rates Dip</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>REFINANCING TRENDS: </strong>&nbsp;We’ve seen a surge in demand for refinancing in recent weeks, with 30-year fixed-rates at the lowest level in three years. Some of the top reasons to refinance include:&nbsp; Get a lower interest rate; pay off debt; make home improvements; change your loan type; or eliminate Private Mortgage Insurance (PMI).</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="topic02"></a><br /> </div></div>
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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;">Buy Now or Wait and Save?</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;">If you’re in a good financial position to buy a home now, and you have a property in mind that meets your expectations, then this may be the time to buy. We're leaning into a buyer's market, and if you purchase a home now, you will immediately start building equity. Plus, if you plan on staying in the home for an extended time, you can consider refinancing if rates drop significantly in the future.</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>On the other hand, if you feel you can pay down debt and improve your credit score, it may make sense to wait. Improving credit scores can save thousands of dollars in interest, especially if you cross a threshold to a higher credit score tier.</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>Paying down debt lowers your debt-to-income (DTI) ratio. DTI compares your monthly debt payments to your gross monthly income. By reducing or eliminating debt, your loan terms may also improve.</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>Tips on Saving for the Down Payment</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;">First-time buyers often feel that saving for a down payment on a home is a daunting task. It’s not out of reach if you set up a savings plan, and stick to it.</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;">Set Your Price Range<br></span></strong>We can do some quick calculations to find out how much home you can afford, based on your credit score, income, and monthly financial obligations. From there, we can explore various loan programs, and their specific down payment requirements.<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>Review Your Current Budget and Start Saving<br></strong></span>Take a look at how much you’re currently spending, and find out where you can cut back to start putting money aside for your down payment. Then, use your online banking to set up an automated payment system to transfer a designated portion of your regular income to a separate “down payment” savings account each month.<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>Increase Cash Flow</strong></span><br>There are numerous ways to increase cash flow, from asking for a raise to getting a side hustle. Working just a few extra hours a week can really add up. Get creative!<br><br></span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;"><strong><span style="word-break: break-word; color: #16450e;">Look into Special Programs for First-Time Buyers</span></strong><br>There are many loan programs available for first-time home buyers that require little to no money down. Plus, many lenders extend “first-time” eligibility to a potential buyer who has not owned a home in the last three years.<br></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;">Whether you’re interested in buying a home, refinancing, or wish to capitalize on your built-up equity, we’re here to help. Please give me a call if you – or your family and friends – need a knowledgeable mortgage professional who looks out for your best interest.&nbsp;</span></p>
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