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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;">FHFA Implements Credit Score Modernization</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;">Credit Scores & DTI Are Crucial Now</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;">ADUs Offer Perks to Homeowners</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;">FHFA Implements Credit Score Modernization</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>IN THE NEWS:</strong>&nbsp; Fannie Mae, Freddie Mac, and FHA have begun allowing lenders to use VantageScore® 4.0 to determine credit worthiness in mortgage applications. They will continue to accept the Classic FICO® scoring model, as they work toward full implementation of FICO 10T. This is particularly beneficial to millions of consumers that have little to no credit history, or who are working on improving their credit scores. The new scoring models allow borrowers to add rent, utilities, and telecommunications payments to their credit history to boost their credit scores.</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;">Credit Scores & DTI Are Crucial Now</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 fluctuated over the last month in response to market conditions. While borrowers are sensitive to current rate changes, credit scores play a major role for those seeking to purchase a home, refinance, or tap into existing home equity.</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>It's no secret, borrowers with excellent credit scores are rewarded with lower interest rates, saving thousands of dollars over the life of the loan.</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>A borrower’s Debt-to-Income ratio (DTI) is also a big factor in determining interest rates on any type of mortgage. Lower DTI ratios typically secure better interest rates and easier approval, while people with high DTI ratios may require larger down payments, higher fees, or specific loan programs.</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>My team and I continually have our eyes on the market to monitor rates and lock in the best options for our clients. Give me a call if you’re ready to sit down and crunch the numbers!</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>ADUs Offer Perks to Homeowners</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;">Accessory Dwelling Units (ADUs) have become increasingly popular nationwide in recent years, offering affordable housing solutions for many Americans.</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;">An ADU is a smaller, self-contained structure on the same property as the primary residence, with full living, kitchen, and sanitation facilities. This can be attached to the main house – like a garage or attic conversion – or a detached tiny house.</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;"><span style="word-break: break-word; color: #16450e;"><strong>Top Three Things Homeowners Love About ADUs</strong></span><br>Adding an ADU to your property offers significant perks, including:</span></p>
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																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Bring in additional revenue as rental income</span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Provide affordable housing for extended family members</span></li>
																			<li><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Increase property value</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’re a homeowner thinking about adding an ADU to your property – or considering a real estate purchase with the option to add an ADU – there are several financing options to achieve your goals. Give me a call to create a mortgage plan that puts your ideas into action!</span></p>
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																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;">We love referrals! If you – or your friends and family – need a mortgage professional that goes the extra mile, you are more than welcome to give me a call.</p>
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