Hi {first_name}

Rich Jones here with Mortgage/ Real Estate Team.

You just filled out a form online and provided me with some of your details. Do you have time for a preliminary call now? The process can be confusing...'where do I start...?' 'How much money will I need and how much of a down-payment?' On our call, we are going to get you a game-plan do that you know all of the details.

Here are a couple of things:

-I work and live in Montgomery county and have for the last 20 years.

-I like to do a 'planning' call in order to narrow down your needs and give you a checklist that you can follow so that you are 100% prepared to buy a home.

-I cover every detail of the process and compare loan programs. We review WHY one loan program is better than another and YOU decide what's best for you!

-We have a process called 'Credit Optimization' which allows you to make small changes in order to get the highest credit score... why? well, several points of increase in your score can get you a lower rate.

Thanks {first_name} if you have any questions please don't hesitate to reach out to me directly.

Sincerely,
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