Last saved by: Lynn Marie Greaves

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																<div class="fullWidth" style="max-width: 615px;"><img src="https://www.crm-newsletter.com/client-to-client/CEW/images/260809_CEW_header.png" style="display: block; height: auto; border: 0; width: 100%;" width="615" alt="Cracking the Code on Down Payment" title="Cracking the Code on Down Payment" height="auto"></div>
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																		<p style="margin: 0; text-align: center; mso-line-height-alt: 27px; letter-spacing: normal;"><span style="word-break: break-word; font-size: 18px; color: #2f4565;"><strong><span style="word-break: break-word;">Cracking the Code on Down Payment</span></strong></span></p>
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																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #000000;"><span style="word-break: break-word;">Hi </span>{!Contact.FirstName},</span></p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">Prospective home buyers have more negotiating power now, as sellers outnumber buyers by about 50% nationwide. Still, many first-time buyers are grappling with how to save for the down payment to take that big step. Here are a few tips to put an effective plan in motion.</p>
																		<p style="margin: 0; mso-line-height-alt: 19.5px;"><br><span style="word-break: break-word; font-size: 13px; color: #2f4565;"><strong>Know Your Budget</strong></span><br>Work out how much house you can afford, based on your monthly income and expenses. From there, calculate a realistic amount for your down payment goal.</p>
																		<p style="margin: 0; mso-line-height-alt: 19.5px;"><br><span style="word-break: break-word; font-size: 13px; color: #2f4565;"><strong>Cut Down on Expenses</strong></span><br>Take a look at recurring bills and cancel things you don’t use. Look for better pricing on things like cell phone service, auto insurance, or Internet and cable access. Cut down on eating out or entertainment costs. Come up with a realistic number on how much you can commit to saving each month.</p>
																		<p style="margin: 0; mso-line-height-alt: 19.5px;"><br><span style="word-break: break-word; font-size: 13px; color: #2f4565;"><strong>Set Up Auto-Transfers</strong></span><br>Open a dedicated bank account to save for your down payment, and schedule automatic transfers to guarantee your money is set aside in an “off-limits” account. This also gives you an easy way to track your progress.</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 19.5px;">If you have any questions about mortgage planning, we’re just a phone call away! We specialize in providing personalized service to help you meet your unique goals.</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 19.5px;">Best regards,</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
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