<!DOCTYPE html>
<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" lang="en">

<head>
	<title></title>
	<meta http-equiv="Content-Type" content="text/html; charset=utf-8">
	<meta name="viewport" content="width=device-width, initial-scale=1.0"><!--[if mso]>
<xml><w:WordDocument xmlns:w="urn:schemas-microsoft-com:office:word"><w:DontUseAdvancedTypographyReadingMail/></w:WordDocument>
<o:OfficeDocumentSettings><o:PixelsPerInch>96</o:PixelsPerInch><o:AllowPNG/></o:OfficeDocumentSettings></xml>
<![endif]--><!--[if !mso]><!-->
	<link href="https://fonts.googleapis.com/css2?family=Lato:wght@100;200;300;400;500;600;700;800;900" rel="stylesheet" type="text/css"><!--<![endif]-->
	<style>
		* {
			box-sizing: border-box;
		}

		body {
			margin: 0;
			padding: 0;
		}

		a[x-apple-data-detectors] {
			color: inherit !important;
			text-decoration: inherit !important;
		}

		#MessageViewBody a {
			color: inherit;
			text-decoration: none;
		}

		p {
			line-height: inherit
		}

		.desktop_hide,
		.desktop_hide table {
			mso-hide: all;
			display: none;
			max-height: 0px;
			overflow: hidden;
		}

		.image_block img+div {
			display: none;
		}

		sup,
		sub {
			font-size: 75%;
			line-height: 0;
		}

		@media (max-width: 635px) {
			.image_block div.fullWidth {
				max-width: 100% !important;
			}

			.row-content {
				width: 100% !important;
			}

			.stack .column {
				width: 100%;
				display: block;
			}

			.mobile_hide {
				min-height: 0;
				max-height: 0;
				max-width: 0;
				display: none;
				overflow: hidden;
				font-size: 0;
			}

			.desktop_hide,
			.desktop_hide table {
				display: table !important;
				max-height: none !important;
			}

			.row-6 .column-1 .block-3.divider_block td.pad {
				padding: 10px !important;
				text-align: center !important;
				font-size: 1px;
			}

			.row-6 .column-1 .block-3.divider_block td.pad table {
				display: inline-table;
			}
		}
	</style><!--[if mso ]><style>sup, sub { font-size: 100% !important; } sup { mso-text-raise:10% } sub { mso-text-raise:-10% }</style> <![endif]-->
</head>

<body class="body" style="margin: 0; padding: 0; -webkit-text-size-adjust: none; text-size-adjust: none; background-color: #eeeeee;">
	<table class="nl-container" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; background-color: #eeeeee;">
		<tbody>
			<tr>
				<td>
					<table class="row row-1" align="center" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
						<tbody>
							<tr>
								<td>
									<table class="row-content stack" align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-radius: 0; color: #000000; width: 615px; margin: 0 auto;" width="615">
										<tbody>
											<tr>
												<td class="column column-1" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; font-weight: 400; text-align: left; vertical-align: top;">
													<table class="image_block block-1" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="pad" style="width:100%;" align="center">
																<div class="fullWidth" style="max-width: 615px;"><img src="https://www.crm-newsletter.com/client-to-client/MMN/images/MMN_header.png" style="display: block; height: auto; border: 0; width: 100%;" width="615" alt="Mortgage Monthly News" title="Mortgage Monthly News" height="auto"></div>
															</td>
														</tr>
													</table>
												</td>
											</tr>
										</tbody>
									</table>
								</td>
							</tr>
						</tbody>
					</table>
					<table class="row row-2" align="center" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
						<tbody>
							<tr>
								<td>
									<table class="row-content stack" align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-radius: 0; color: #000000; width: 615px; margin: 0 auto;" width="615">
										<tbody>
											<tr>
												<td class="column column-1" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; font-weight: 400; text-align: left; background-color: #97dd8b; vertical-align: top;">
													<table class="heading_block block-1" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="pad" style="width:100%;padding-top:5px;padding-bottom:5px;padding-left:10px;padding-right:10px;" align="center">
																<h1 style="margin: 0; color: #ffffff; direction: ltr; font-family: 'Lato', Tahoma, Verdana, Segoe, sans-serif; font-size: 12px; font-weight: 400; letter-spacing: normal; line-height: 2; text-align: center; margin-top: 0; margin-bottom: 0; mso-line-height-alt: 24px;"><span class="tinyMce-placeholder" style="word-break: break-word;"><span style="word-break: break-word; color: #000000;"><em><strong>Brought to you by {!User.FirstName} {!User.LastName}</strong></em></span></span></h1>
															</td>
														</tr>
													</table>
												</td>
											</tr>
										</tbody>
									</table>
								</td>
							</tr>
						</tbody>
					</table>
					<table class="row row-3" align="center" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
						<tbody>
							<tr>
								<td>
									<table class="row-content stack" align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; background-color: #fdfafa; border-radius: 0; color: #000000; width: 615px; margin: 0 auto;" width="615">
										<tbody>
											<tr>
												<td class="column column-1" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; font-weight: 400; text-align: left; border-bottom: 1px solid #bdbdbd; vertical-align: top;">
													<table width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="col-pad" style="padding-bottom:5px;padding-top:5px;">
																<table class="text_block block-1" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; word-break: break-word;">
																	<tr>
																		<td class="pad" style="padding-top:20px;padding-bottom:5px;padding-left:50px;padding-right:10px;">
																			<div style="font-family: Tahoma, Verdana, sans-serif">
																				<div class style="font-size: 12px; font-family: 'Lato', Tahoma, Verdana, Segoe, sans-serif; mso-line-height-alt: 18px; color: #0d0f18; line-height: 1.5;">
																					<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>
																					<ul style="line-height: 1.5; mso-line-height-alt: 24px; font-size: 12px;">
																						<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;">Prime Time for Homebuyers</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;">Home Shopping Tips for Today’s Market</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;">Create Your Outdoor Oasis</span></span></a></span></li>
																					</ul>
																				</div>
																			</div>
																		</td>
																	</tr>
																</table>
															</td>
														</tr>
													</table>
												</td>
											</tr>
										</tbody>
									</table>
								</td>
							</tr>
						</tbody>
					</table>
					<table class="row row-4" align="center" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
						<tbody>
							<tr>
								<td>
									<table class="row-content stack" align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; background-color: #ffffff; color: #000000; width: 615px; margin: 0 auto;" width="615">
										<tbody>
											<tr>
												<td class="column column-1" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; font-weight: 400; text-align: left; vertical-align: top;">
													<table class="html_block block-1" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="pad">
																<div style="font-family:'Lato', Tahoma, Verdana, Segoe, sans-serif;text-align:center;" align="center"><div class="our-class"><a name="topic01"></a><br /> </div></div>
															</td>
														</tr>
													</table>
													<table class="text_block block-2" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; word-break: break-word;">
														<tr>
															<td class="pad" style="padding-top:20px;padding-bottom:10px;padding-left:50px;padding-right:50px;">
																<div style="font-family: Tahoma, Verdana, sans-serif">
																	<div class style="font-size: 12px; font-family: 'Lato', Tahoma, Verdana, Segoe, sans-serif; mso-line-height-alt: 18px; color: #274082; line-height: 1.5;">
																		<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;">Prime Time for Homebuyers</span></strong></span></p>
																	</div>
																</div>
															</td>
														</tr>
													</table>
													<table class="image_block block-3" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="pad" style="width:100%;" align="center">
																<div class="fullWidth" style="max-width: 615px;"><img src="https://www.crm-newsletter.com/client-to-client/MMN/images/260601_feature-photo.png" style="display: block; height: auto; border: 0; width: 100%;" width="615" alt="Prime Time for Homebuyers" title="Prime Time for Homebuyers" height="auto"></div>
															</td>
														</tr>
													</table>
													<table class="text_block block-4" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; word-break: break-word;">
														<tr>
															<td class="pad" style="padding-top:20px;padding-bottom:20px;padding-left:50px;padding-right:50px;">
																<div style="font-family: Tahoma, Verdana, sans-serif">
																	<div class style="font-size: 12px; font-family: 'Lato', Tahoma, Verdana, Segoe, sans-serif; mso-line-height-alt: 18px; color: #0d0f18; line-height: 1.5;">
																		<p style="margin: 0; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;"><strong>PEAK SEASON:</strong>&nbsp; Homebuyers in affordable markets will see more competition this month, as families look to settle into new homes before the school season starts. Be ready to take on the competition by having full mortgage pre-approval upfront. There’s no better way to let the seller know you’re serious and ready to take action!</span></p>
																	</div>
																</div>
															</td>
														</tr>
													</table>
													<table class="html_block block-5" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="pad">
																<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>
															</td>
														</tr>
													</table>
												</td>
											</tr>
										</tbody>
									</table>
								</td>
							</tr>
						</tbody>
					</table>
					<table class="row row-5" align="center" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
						<tbody>
							<tr>
								<td>
									<table class="row-content stack" align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; background-color: #fdfafa; border-radius: 0; color: #000000; width: 615px; margin: 0 auto;" width="615">
										<tbody>
											<tr>
												<td class="column column-1" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; font-weight: 400; text-align: left; border-top: 1px solid #bdbdbd; vertical-align: top;">
													<table width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="col-pad" style="padding-bottom:5px;padding-top:5px;">
																<table class="text_block block-1" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; word-break: break-word;">
																	<tr>
																		<td class="pad" style="padding-top:20px;padding-bottom:20px;padding-left:50px;padding-right:50px;">
																			<div style="font-family: Tahoma, Verdana, sans-serif">
																				<div class style="font-size: 12px; font-family: 'Lato', Tahoma, Verdana, Segoe, sans-serif; mso-line-height-alt: 18px; color: #0d0f18; line-height: 1.5;">
																					<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;">Home Shopping Tips for Today’s Market</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 housing market has shifted to a buyer’s market in many areas, with sellers outnumbering buyers by over 600,000 nationwide. This gives buyers more leverage to negotiate better prices, repairs, or seller concessions.</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;">In terms of securing the best interest rate, buyers can take a proactive approach by doing the following:</span></p>
																					<ul style="line-height: 1.5; mso-line-height-alt: 18px; font-size: 12px;">
																						<li style="text-align: left;"><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">Improve your credit score and reduce debt to qualify for the best rates.</span></li>
																						<li style="text-align: left;"><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">Get pre-approval early and shop with confidence.</span></li>
																						<li style="text-align: left;"><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">Explore lock-in options to guard against sudden rate increases.</span></li>
																						<li style="text-align: left;"><span style="word-break: break-word; color: #0d0f18; font-size: 12px;">Have your documentation in order to expedite the approval process.<br></span></li>
																					</ul>
																					<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;">Give me a call if you are interested in buying a home or investment property. We provide side-by-side loan analyses to help you find the best program to meet your goals!</span></p>
																				</div>
																			</div>
																		</td>
																	</tr>
																</table>
															</td>
														</tr>
													</table>
												</td>
											</tr>
										</tbody>
									</table>
								</td>
							</tr>
						</tbody>
					</table>
					<table class="row row-6" align="center" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
						<tbody>
							<tr>
								<td>
									<table class="row-content stack" align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; background-color: #ffffff; color: #000000; width: 615px; margin: 0 auto;" width="615">
										<tbody>
											<tr>
												<td class="column column-1" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; font-weight: 400; text-align: left; border-top: 1px solid #bdbdbd; vertical-align: top;">
													<table class="html_block block-1" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="pad">
																<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>
															</td>
														</tr>
													</table>
													<table class="text_block block-2" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; word-break: break-word;">
														<tr>
															<td class="pad" style="padding-top:20px;padding-bottom:15px;padding-left:50px;padding-right:50px;">
																<div style="font-family: Tahoma, Verdana, sans-serif">
																	<div class style="font-size: 12px; font-family: 'Lato', Tahoma, Verdana, Segoe, sans-serif; mso-line-height-alt: 18px; color: #0d0f18; line-height: 1.5;">
																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 24px;"><span style="word-break: break-word; font-size: 16px; color: #16450e;"><strong>Create Your Outdoor Oasis</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;">Having a tranquil backyard retreat is great for relaxation and fun. Here are a few trending home improvement ideas to create or update your outdoor oasis!<br><br><span style="word-break: break-word; color: #16450e;"><strong>Expand Your Living Space</strong></span><br>An outdoor pavilion, gazebo, or pergola can expand your living space by creating a cozy extra room for entertainment or chilling out. The type of structure you choose should be entirely based on your needs, but it may also increase your home’s value.<br><br><span style="word-break: break-word; color: #16450e;"><strong>The Sky’s the Limit</strong></span><br>Vertical gardening is catching on this year as a way to create living walls—either for privacy or growing food. Vining plants are great for seclusion, while vining crops like tomatoes, pole beans, cucumbers, peas, and squash offer a tasty bonus! Add an aromatic vibe to your sanctuary with herbs and spices that thrive in containers—such as thyme, mint, oregano, parsley, basil, and chives.<br><br><span style="word-break: break-word; color: #16450e;"><strong>Light It Up</strong></span><br>Fire pits and outdoor lighting are also popular now, to extend usable hours and create ambience. A fire pit lounge is a natural social hub, and this low-maintenance idea may also increase your property value. Top that with outdoor lighting to increase safety and create your perfect atmosphere!<br><br>Thinking about home improvements this season? Give me a call to learn more about using your built-up equity to finance your projects.</span></p>
																	</div>
																</div>
															</td>
														</tr>
													</table>
													<table class="divider_block block-3" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
														<tr>
															<td class="pad" style="padding-left:10px;padding-right:10px;" align="center">
																<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="45%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
																	<tr>
																		<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>
																	</tr>
																</table>
															</td>
														</tr>
													</table>
													<table class="text_block block-4" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; word-break: break-word;">
														<tr>
															<td class="pad" style="padding-top:20px;padding-bottom:25px;padding-left:50px;padding-right:50px;">
																<div style="font-family: Tahoma, Verdana, sans-serif">
																	<div class style="font-size: 12px; font-family: 'Lato', Tahoma, Verdana, Segoe, sans-serif; mso-line-height-alt: 18px; color: #0d0f18; line-height: 1.5;">
																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;">We love referrals! Don’t forget to share my contact information if your friends and family need a mortgage professional that works hard to deliver positive results.</p>
																	</div>
																</div>
															</td>
														</tr>
													</table>
													<table class="text_block block-5" width="100%" border="0" cellpadding="0" cellspacing="0" role="presentation" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; word-break: break-word;">
														<tr>
															<td class="pad">
																<div style="font-family: Tahoma, Verdana, sans-serif">
																	<div class style="font-size: 12px; font-family: 'Lato', Tahoma, Verdana, Segoe, sans-serif; mso-line-height-alt: 18px; color: #0d0f18; line-height: 1.5;">
																		<p style="margin: 0; font-size: 12px; text-align: center; mso-line-height-alt: 18px;">{!User.MtgPlanner_CRM__User_Signature_HTML__c}</p>
																	</div>
																</div>
															</td>
														</tr>
													</table>
												</td>
											</tr>
										</tbody>
									</table>
								</td>
							</tr>
						</tbody>
					</table>
				</td>
			</tr>
		</tbody>
	</table><!-- End -->
</body>

</html>