Hi {first_name},
 
Let's pick up where we left off...
 
If you're planning to move soon, this might be the opportunity of a lifetime.

This email is going to share the secret the banks don't want you to know...
 
You can get an Adjustable Rate Mortgage AND save money.
 
This probably goes against all the advice you've heard.  
 
You see, ARM’s are a lot like an ice cream shop -- they come in several flavors. Some better than others, especially when you know a move is coming up.
 
The trick, is actually in the planning...

Why?
 
Well, because some ARMs come with a fixed mortgage rate for a set number of first years.
 
That means that for X years the mortgage rate will be at an agreed rate of Y… And after that market fluctuations will dictate the rate, up to a cap. (If you have set and agreed a cap)
 
Here's how you can benefit from this... you can sell your home before the fixed period comes to an end and refinance the new one with a fixed rate mortgage.
 
Smart, huh?
 
However, there are a few other things to observe…
 
Like soft prepayment penalties and hard ones… Don’t worry, I’ll share all the details when we talk on the phone. 
 
In short, the story goes like this.
 
Some lenders charge them and some don’t…
 
For example, loans insured or guaranteed by the federal government usually can’t include a prepayment penalty.
 
Also, federal credit unions, cannot include prepayment penalties.
 
And some states disallow the fee entirely.
 
Since the penalty is in the range of one to six months of interest payments, you want to be sure you know what is going on.

Reply to this email, and we can figure out  time that works for the both os us. 

As I said before, if you're planning to move - this might be the opportunity you’ve been waiting for!
 
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