Last saved by: Lynn Marie Greaves

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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;">End-of-Summer Home Maintenance</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;">Cracking the Code on Down Payment</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;">Non-QM Loans Go Mainstream</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;">End-of-Summer Home Maintenance</span></strong></span></p>
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																<div class="fullWidth" style="max-width: 615px;"><img src="https://www.crm-newsletter.com/client-to-client/MMN/images/260901_feature-photo.png" style="display: block; height: auto; border: 0; width: 100%;" width="615" alt=" End-of-Summer Home Maintenance" title="End-of-Summer Home Maintenance" height="auto"></div>
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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>GET READY FOR FALL: &nbsp;</strong></span><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">This is a great time to run through your seasonal checklist for home maintenance. If you find that you need to make unexpected repairs or upgrades, give me a call to find out if a home equity loan makes sense to fund your home improvement project.</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;">Cracking the Code on Down Payment</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;">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.</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;"><span style="word-break: break-word; color: #16450e;"><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.</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;"><span style="word-break: break-word; color: #16450e;"><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.</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;"><span style="word-break: break-word; color: #16450e;"><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.</span></p>
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																					<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;">These are just a few ideas to get the ball rolling. We offer one-on-one consultation to help you create your personal mortgage strategy!</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>Non-QM Loans Go Mainstream</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;">Non-QM (non-qualified) loans were a niche product until fairly recently. Non-QM mortgages offer flexible options for people that don’t meet the strict requirements to qualify for a conventional mortgage. Let’s take a look at who can benefit from this increasingly popular type of loan program.</span></p>
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																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; color: #16450e;"><strong><span style="word-break: break-word; font-size: 12px;">Self-Employed and Freelance Buyers</span></strong></span></p>
																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Self-employed and freelance workers often use tax write-offs to lower their reported net income and reduce the amount of tax they must pay. The down side is, when applying for a conventional mortgage, the lender looks at that reduced income as a baseline for how much you can borrow.&nbsp;<br>Conversely, a Non-QM loan allows for alternative documentation, where you may be able to provide 12-24 months of bank statements instead of the standard W-2s and tax returns. This can make the difference between closing the deal on a home or not qualifying at all!</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; color: #16450e;"><strong><span style="word-break: break-word; font-size: 12px;">High-Net-Worth Buyers</span></strong></span></p>
																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">Retirees and high-net-worth buyers can also use alternative documentation to qualify for a non-QM mortgage without liquidating their investments. The lender may look at the accumulated assets of savings, retirement funds, or investments, rather than a steady paycheck. This allows the borrower to keep their investments intact and earning money, instead of cashing out to close the deal.</span></p>
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																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; color: #16450e;"><strong><span style="word-break: break-word; font-size: 12px;">Commission-Based and Seasonal Workers</span></strong></span></p>
																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;">The underwriter can look at a borrower’s total earnings over a year to calculate an average monthly income, rather than penalizing gaps or fluctuation in income.</span></p>
																		<p style="margin: 0; font-size: 12px; mso-line-height-alt: 18px;"><span style="word-break: break-word; font-size: 12px; color: #0d0f18;"><br>These are just a few scenarios where a Non-QM loan makes sense for the borrower. This type of loan also often works well for real estate investors who may qualify using a rental property’s cash flow, and people who are rebuilding their credit after a recent bankruptcy or foreclosure. In all cases, the flexible terms for approval make Non-QM programs worth looking into.</span></p>
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