Last saved by: Lynn Marie Greaves

<!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><o:OfficeDocumentSettings><o:PixelsPerInch>96</o:PixelsPerInch><o:AllowPNG/></o:OfficeDocumentSettings></xml><![endif]--><!--[if !mso]><!-->
	<link href="https://fonts.googleapis.com/css?family=Montserrat" 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;
		}

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

			.mobile_hide {
				display: none;
			}

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

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

			.mobile_hide {
				min-height: 0;
				max-height: 0;
				max-width: 0;
				overflow: hidden;
				font-size: 0px;
			}

			.desktop_hide,
			.desktop_hide table {
				display: table !important;
				max-height: none !important;
			}
		}
	</style>
</head>

<body style="background-color: #f1f4f8; margin: 0; padding: 0; -webkit-text-size-adjust: none; text-size-adjust: none;">
	<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: #f1f4f8;">
		<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; background-color: #fff; color: #000; 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; border-top: 0px; border-right: 0px; border-bottom: 0px; border-left: 0px;">
													<table class="divider_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="padding-left:10px;padding-right:10px;padding-top:15px;">
																<div class="alignment" align="center">
																	<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
																		<tr>
																			<td class="divider_inner" style="font-size: 1px; line-height: 1px; border-top: 0px solid #BBBBBB;"><span>&#8202;</span></td>
																		</tr>
																	</table>
																</div>
															</td>
														</tr>
													</table>
													<table class="text_block block-2" width="100%" border="0" cellpadding="10" 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: sans-serif">
																	<div class style="font-size: 12px; font-family: Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma, sans-serif; mso-line-height-alt: 24px; color: #555555; line-height: 2;">
																		<p style="margin: 0; font-size: 14px; text-align: center; mso-line-height-alt: 28px;">{!User.MtgPlanner_CRM__Logo__c}</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;padding-top:18px;">
																<div class="alignment" align="center">
																	<table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
																		<tr>
																			<td class="divider_inner" style="font-size: 1px; line-height: 1px; border-top: 0px solid #BBBBBB;"><span>&#8202;</span></td>
																		</tr>
																	</table>
																</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; background-color: #fff; color: #000; 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; border-top: 0px; border-right: 0px; border-bottom: 0px; border-left: 0px;">
													<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%;padding-right:0px;padding-left:0px;">
																<div class="alignment" align="center" style="line-height:10px"><img class="fullWidth" src="https://www.mpc-news.com/email/The%20Closing%20Email%20of%20the%20Week/230917_CEW_email-header.png" style="display: block; height: auto; border: 0; max-width: 615px; width: 100%;" width="615" alt="The Federal Reserve Meets This Week" title="The Federal Reserve Meets This Week"></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-bottom:5px;padding-left:10px;padding-right:10px;padding-top:20px;">
																<div style="font-family: 'Trebuchet MS', Tahoma, sans-serif">
																	<div class style="font-size: 12px; font-family: 'Montserrat', 'Trebuchet MS', 'Lucida Grande', 'Lucida Sans Unicode', 'Lucida Sans', Tahoma, sans-serif; mso-line-height-alt: 14.399999999999999px; color: #555555; line-height: 1.2;">
																		<p style="margin: 0; text-align: center; mso-line-height-alt: 14.399999999999999px;"><span style="font-size:18px;color:#ec5355;"><strong><span style="color:#2e6b83;">The Federal Reserve Meets This Week</span><br></strong></span></p>
																	</div>
																</div>
															</td>
														</tr>
													</table>
													<table class="text_block block-3" 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-bottom:15px;padding-left:40px;padding-right:40px;padding-top:15px;">
																<div style="font-family: 'Trebuchet MS', Tahoma, sans-serif">
																	<div class style="font-size: 12px; font-family: 'Montserrat', 'Trebuchet MS', 'Lucida Grande', 'Lucida Sans Unicode', 'Lucida Sans', Tahoma, sans-serif; mso-line-height-alt: 18px; color: #000000; line-height: 1.5;">
																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 18px;"><span style="font-size:12px;color:#000000;"><span style>Hi </span>{!Contact.FirstName},</span></p>
																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">The Federal Reserve holds its next meeting this week from September 19-20. Many experts expect the Fed to raise interest rates again at this meeting, continuing its efforts to curb inflation. Right now, inflation is at 3.67%, and the current goal is to achieve price stability at 2% inflation per year.</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 21px;"><span style="font-size:14px;color:#4789c5;"><span style="color:#2e6b83;"><strong>How does this affect mortgage rates?</strong> </span><br></span></p>
																		<p style="margin: 0; mso-line-height-alt: 21px;">Mortgage interest rates are indirectly affected by Fed rate hikes. Fixed rate mortgages are typically based on the 10-year Treasury bond yield. When the Fed raises short-term interest rates, the yield on the 10-year Treasury bond rises and interest rates on fixed rate mortgages follow suit.<br><br>The fed funds rate <em>does</em> directly affect short-term loans, like credit card interest rates and adjustable-rate mortgages.<br><br>Many forecasters predict rates will start coming down in the second quarter of 2024. If you are interested in buying a home, you should still consider buying now to beat the competition next year.&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; mso-line-height-alt: 21px;"><span style="font-size:14px;color:#2e6b83;"><strong>But how can I lower my interest rate now?</strong></span></p>
																		<p style="margin: 0; mso-line-height-alt: 21px;">Consider a 2-1 buydown or a 3-2-1 buydown now, which will temporarily lower your interest rate for the first two (or three) years. Then, refinance later when rates come down.<br><br>Another option is to pay for points up front, permanently lowering the interest rate on the loan.<br><br>There are other factors that affect interest rates, such as credit score, loan-to-value, debt-to-income ratio, and loan amount, to name a few. Give me a call if I can assist you – or anyone you know – with a complete cost analysis on your next home purchase or refinance. We are always watching the market, and we’re here to help you get the best rate possible.</p>
																		<p style="margin: 0; mso-line-height-alt: 21px;"><br>Sincerely,</p>
																		<p style="margin: 0; mso-line-height-alt: 18px;">&nbsp;</p>
																		<p style="margin: 0; font-size: 12px; text-align: left; mso-line-height-alt: 18px;"><span style="font-size:12px;color:#000000;">{!User.FirstName}</span></p>
																	</div>
																</div>
															</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: #fff; color: #000; 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; border-top: 0px; border-right: 0px; border-bottom: 0px; border-left: 0px;">
													<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">
																<div style="font-family: sans-serif">
																	<div class style="font-size: 14px; font-family: Trebuchet MS, Lucida Grande, Lucida Sans Unicode, Lucida Sans, Tahoma, sans-serif; mso-line-height-alt: 16.8px; color: #555555; line-height: 1.2;">
																		<p style="margin: 0; font-size: 14px; text-align: center; mso-line-height-alt: 16.8px;">{!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>