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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;">Mortgage Rate Update</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 Home Buying Tips</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;">Seasonal Outdoor Home Maintenance Tips</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;">Mortgage Rate Update</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>MARKET RATES ADJUST:</strong> &nbsp;Freddie Mac’s weekly update on March 26th reported the national average interest rate on 30-year fixed-rate loans at 6.38%, with 15-year fixed-rate mortgages at 5.75%. While rates have gradually risen over the last four weeks, these rates are still lower compared to rates at the same time last year. Homeowners seeking to leverage home equity are finding HELOC rates increasingly attractive, reaching three-year lows in the low-to-mid 7% range. Rates are continually subject to change, and you are welcome to contact me directly for updates.</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 Home Buying Tips</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;">This year, the real estate market has shifted to favor buyers, giving them more negotiating power. Here are a few tips to make the home buying process easier!<br><br><span style="word-break: break-word; color: #16450e;"><strong>Get Full Pre-Approval</strong></span><br>There’s no doubt about it, getting full pre-approval from a lender before you shop is the best strategy. With pre-approval, you can save time by only looking at homes that are realistically within your budget. Plus, the seller will take your offer seriously, knowing your deal should close faster because you’ve already got a lender behind you.<br><br><span style="word-break: break-word; color: #16450e;"><strong>Avoid Making Other Big Purchases</strong></span><br>Keep your spending in check before your home purchase deal closes. Lenders like to see stability, and making large purchases on credit cards or opening new credit accounts may bring your credit score down. Likewise, using up your cash reserves may change your financial snapshot.<br><br><span style="word-break: break-word; color: #16450e;"><strong>Get to Know the Neighborhood</strong></span><br>Take a stroll and see what your target neighborhood is really like. If you have children, schedule tours to the local schools while classes are still in session. This can help you visualize living in that community, and make sure it aligns with your preferences.<br><br><span style="word-break: break-word; color: #16450e;"><strong>Define Your Priorities</strong></span><br>Make a wish list to organize your needs. Break it down into “Needs,” “Wants,” and “Would Be Nice” to establish your priorities. This will help your real estate agent steer you to homes that are more likely to meet your expectations.<br><br>Recent news indicates there are almost 50% more sellers than buyers nationwide right now, giving buyers an edge. If you, or your friends and family, are ready to buy a home, please don’t hesitate to give me a call and get started with pre-approval!</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>Seasonal Outdoor Home Maintenance Tips</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;">Spring is here, and it's a great time to stay on top of home maintenance. Here's a quick check list to get you started.</span></p>
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																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Check your roof, gutters, and downspouts</span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Inspect the exterior structure for damaged siding, trim, brick, or stucco</span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Check the railings, walkways, driveway, and fences</span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Check sprinklers and irrigation</span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Fix damaged screens</span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Change HVAC air filters</span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Trim trees and shrubs</span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Inspect and tune up any lawn maintenance equipment</span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Check caulking around doors and windows.</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;">If you run into any issues that need major repairs or upgrades, give me a call to get current rates on a Home Equity Line of Credit (HELOC). Current rates are relatively low, and you can use the money like a credit card for any reason.</span></p>
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																			<td class="divider_inner" style="font-size: 1px; line-height: 1px; border-top: 1px solid #16450e;"><span style="word-break: break-word;">&#8202;</span></td>
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																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;">Need a mortgage pro who looks out for your best interest? Contact me directly if you have any questions about mortgage planning!</p>
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