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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;">Homebuyers May Get More Bang for Their Buck</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;">Spring Forward with Home Renovation</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 FHA Right for You?</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;">Homebuyers May Get More Bang for Their Buck</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>SPRING MARKET EXPECTED TO IMPROVE WITH EASING RATES: </strong>&nbsp;Today’s lower interest rates may give prospective homebuyers the leverage to qualify for a more expensive home, without increasing their monthly payment. A common rule of thumb states that for every 0.5% drop in the 30-year fixed mortgage rate allows buyers to afford roughly 5% more home without increasing their monthly payment.</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;">Spring Forward with Home Renovation</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 considering doing home renovation this spring, this is a great time to put your financing in order. A HELOC (Home Equity Line of Credit) is a perfect solution for homeowners that need to scope out funding for major repairs or renovations. HELOCs offer a lower interest rate than credit cards or personal loans. Plus, by making improvements, you may very well increase the value of your home!<br><br>As a revolving line of credit, you can use the money whenever you need it, and you only pay interest on the amount you use. This is a boon for projects that have unexpected timelines or unforeseen cost expectations, such as a kitchen remodel, structural repairs or additions, or upgrades on an older home.</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>If you’re considering home improvements, give me a call to learn more about using a HELOC to fund your projects. We can also bring your CPA or tax advisor into the loop to see if your proposed renovations will qualify you for any tax deductions!</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 FHA Right for You?</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;">Choosing the right loan program is essential when buying a home. The Federal Housing Administration (FHA) offers government-backed loans that make homeownership more accessible for prospective buyers that may not qualify for conventional financing. </span><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Here are the top reasons to choose FHA.</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;">Low Down Payment and Credit Requirements<br></span></strong>A down payment of only 3.5% is required for borrowers that have a credit score of 580 or higher. If the credit score is between 500 and 579, a 10% down payment is required.<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>Flexible Debt-to-Income (DTI) Requirements<br></strong></span>FHA loans often have more flexible underwriting requirements, which can be helpful if you have a higher debt-to-income ratio or unusual sources of income.<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>Gift Money Accepted for Down Payment</strong></span><br>The entire down payment can be made with gift money. This can come from family members, an employer, a close friend with a documented relationship, or a charitable organization.<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;">FHA Loans Are Assumable</span></strong><br>If you decide to sell your home in the future, the loan is assumable. That means your buyer can get the same interest rate you currently have. This can be a great perk if interest rates have gone up.</span></li>
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																		<p style="margin: 0; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">It is important to know that most FHA loans carry a one-time upfront mortgage insurance premium (UFMIP), typically 1.75% of the loan amount. This fee can be paid at closing, but is more often rolled into the loan amount.<br><br>Additionally, FHA requires a mortgage insurance premium (MIP) which is calculated as part of the monthly mortgage payment. This may balance out in terms of monthly payment, if the FHA loan offers a lower interest rate.</span></p>
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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 want to leverage your built-up equity, </span>I strongly suggest a full loan analysis to compare your options. Give me a call for your free consultation!</p>
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