{"teamId":"11664","campaignId":"1462","seriesId":"36572","from_email":"cmarchetti@boemortgage.com","email_subject":"How much can you afford without giving up your life?","attachment":"","email_message":"<table width=\"100%\" border=\"0\" cellpadding=\"1\" cellspacing=\"1\" style=\"background-color:#fff;\">\r\n\t<tbody><tr>\r\n\t\t<td class=\"paragraph\" style=\" padding: 15px;\">\r\n\t\t\t<div class=\"show-action-on\" style=\"width: 96%; display: none;\">\r\n\t\t\t\t<i class=\"fa fa-pencil-square-o\" onclick=\"EditText('t1');\"><\/i>\r\n\t\t\t<\/div>\r\n\t\t\t<span id=\"t1\"><div>\r\n\tHey {first_name},<br>\r\n\t <\/div>\r\n<div>\r\n\tWhen it comes to financing or re-financing your home, it's important you<\/div>\r\n<div>\r\n\tunderstand the process and all your options to get the right mortgage for you.<br>\r\n\t <\/div>\r\n<div>\r\n\tIn determining which mortgage best suits your situation, there are some basic<\/div>\r\n<div>\r\n\tdecisions you'll need to make:<br>\r\n\t <\/div>\r\n<div>\r\n\t<u>Type of Mortgage<\/u><br>\r\n\t <\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>Conventional mortgage <\/strong><\/li>\r\n<\/ul>\r\n<div>\r\n\tThis is the most common type of mortgage. Your lender will loan<\/div>\r\n<div>\r\n\tyou up to 80% of the purchase price of the property or its<\/div>\r\n<div>\r\n\tappraised value (whichever is lower), and you have yourself the<\/div>\r\n<div>\r\n\tother 20% as a down payment.<br>\r\n\t <\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>High ratio mortgage<\/strong><br>\r\n\t\t <\/li>\r\n<\/ul>\r\n<div>\r\n\tIf you don't have at least a 20% down payment needed to get a<\/div>\r\n<div>\r\n\tconventional mortgage, a high ratio mortgage can advance you up<\/div>\r\n<div>\r\n\tto 95% of the home's purchase price or appraised value. However,<\/div>\r\n<div>\r\n\tyou'd be required to purchase mortgage insurance (not to be<\/div>\r\n<div>\r\n\tconfused with home insurance), the amount of which would be<\/div>\r\n<div>\r\n\tadded to your mortgage principal.<\/div>\r\n<div>\r\n\t <\/div>\r\n<div>\r\n\t<u>Interest Rate<\/u><\/div>\r\n<div>\r\n\t <\/div>\r\n<div>\r\n\tYour mortgage is made up of 2 components: principal and interest.<\/div>\r\n<div>\r\n\tEssentially, interest is the cost of borrowing money.<br>\r\n\t <\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>Fixed-rate<\/strong><\/li>\r\n<\/ul>\r\n<div>\r\n\tYou agree on an interest rate with your lender and this rate gets<\/div>\r\n<div>\r\n\tlocked in for the term of the mortgage. A fixed-rate mortgage is<\/div>\r\n<div>\r\n\tgreat in an economy where the Bank of [Canada]'s prime rate is<\/div>\r\n<div>\r\n\tincreasing, but undesirable if the going rate is decreasing.<\/div>\r\n<div>\r\n\t <\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>Variable-rate<\/strong><\/li>\r\n<\/ul>\r\n<div>\r\n\tYour interest rates fluctuate with the Bank's prime interest rate.<\/div>\r\n<div>\r\n\tYour monthly mortgage payment amount stays the same. However,<\/div>\r\n<div>\r\n\tif the prime rate falls, more of your payment goes towards the<\/div>\r\n<div>\r\n\tprincipal and less goes towards the interest. If the interest rate<\/div>\r\n<div>\r\n\trises, less of your payment goes towards the principal and more<\/div>\r\n<div>\r\n\tgoes towards the interest.<\/div>\r\n<div>\r\n\t <\/div>\r\n<div>\r\n\t<u>Term and Amortization<\/u><br>\r\n\t <\/div>\r\n<div>\r\n\tA mortgage <strong>term <\/strong>is the amount of time a lender will loan you money for \u2013<\/div>\r\n<div>\r\n\ttypically from 6 months to 5 years. When the term is up, the remaining<\/div>\r\n<div>\r\n\tamount is payable in full unless you arrange new financing for another term.<br>\r\n\t <\/div>\r\n<div>\r\n\tBecause few of us can pay off an entire mortgage in even a 5-year term,<\/div>\r\n<div>\r\n\tlenders calculate \u2013 or <strong>amortize <\/strong>- the mortgage payments over a much<\/div>\r\n<div>\r\n\tlonger time, often as long as 30 years. They aren't loaning you the money for<\/div>\r\n<div>\r\n\ta 30-year period; they're simply calculating the payment schedule as if it<\/div>\r\n<div>\r\n\twould take you that long to pay back your mortgage. You will likely renew<\/div>\r\n<div>\r\n\tthe mortgage at the end of your term within your amortization period.<br>\r\n\t <\/div>\r\n<div>\r\n\tNow is it necessary to be fluent in the world of mortgages? Absolutely not! That's<\/div>\r\n<div>\r\n\tmy realm.<br>\r\n\t <\/div>\r\n<div>\r\n\tMortgages come with a plethora of jargon, math, and paperwork that can be<\/div>\r\n<div>\r\n\toverwhelming to most people.<br>\r\n\t <\/div>\r\n<div>\r\n\tI provide clarity in areas of confusion to make the process easy and stress-free.<\/div>\r\n<div>\r\n\tTrust in someone who intimately knows the market. I'll help explore your options to<\/div>\r\n<div>\r\n\tensure you're getting the perfect mortgage solution for you.<\/div>\r\n<div>\r\n\t <\/div>\r\n<div>\r\n\tCall me to get a quick and easy mortgage that fits your needs: {{default_phone}}<\/div>\r\n<div>\r\n\t <\/div>\r\n<div>\r\n\tHappily anticipating your call,<\/div>\r\n<div>\r\n\t <\/div>\r\n<div>\r\n\t\r\n <div class=\"col-md-12 whole_width\" id=\"add_whole_width\" style=\"width: 450px; margin-top: 15px; margin-bottom: 20px;\">\r\n <link href=\"https:\/\/maxcdn.bootstrapcdn.com\/font-awesome\/4.7.0\/css\/font-awesome.min.css\" rel=\"stylesheet\" type=\"text\/css\">\r\n <div class=\"fileupload fileupload-new col-md-4 file_width\" id=\"add_file_width\" style=\"width: 140px; float: left;\" data-provides=\"fileupload\">\r\n <div id=\"fileupload-new img-thumbnail\" style=\"\">\r\n <img class=\"profile_img_preview\" src=\"https:\/\/carlamarchetti.com\/glu\/resources\/11664\/marchettic_DSCF1540_01086x130.jpg\" style=\"width: 120px; height: 130px\">\r\n <\/div>\r\n <div class=\"fileupload-preview fileupload-exists img-thumbnail\" style=\"\"><\/div>\r\n <\/div>\r\n <div class=\"col-md-8 details_width\" id=\"add_details_width\" style=\"width: 300px; float: none; display: inline-block;\">\r\n <div>\r\n <strong style=\"float:left;\"><i class=\"fa fa-user\"><\/i> <span id=\"show_first_name\" class=\"item_list\">Carla<\/span> <span id=\"show_last_name\" class=\"item_list\">Marchetti<\/span><\/strong><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-globe\"><\/i> <span id=\"show_company\" class=\"item_list\">Bank of England Mortgage<\/span><\/span><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-briefcase\"><\/i> <span id=\"show_title\" class=\"item_list\">Sr. Mortgage Loan Officer, NMLS #993397<\/span><\/span><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-mobile\"><\/i> <span id=\"show_mobile\" class=\"item_list\"><span id=\"show_mobile\" class=\"item_list\"><span id=\"show_mobile\" class=\"item_list\"><span id=\"show_mobile\" class=\"item_list\"><span id=\"show_mobile\" class=\"item_list\"><span id=\"show_mobile\" class=\"item_list\"><div style=\"display: inline-block; position: relative; cursor: pointer;padding-left:3px;padding-right:20px;-webkit-border-radius: 8px;-webkit-box-shadow: 0 1px 1px #ddd, 0 1px 1px #555;box-shadow: 0 1px 1px #ddd, 0 1px 1px #555;white-space: nowrap;\" title=\"Call: (913) 380-0960\" class=\"DetectedNumber\">(913) 380-0960<img src=\"data:image\/png;base64,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\" style=\"display: inline-block; width: initial; border: 0px; padding: 0px; margin: 0px; float: right; bottom: 1px; right: 1px; position: absolute; background-color:rgba(0,0,0,0);\" class=\"DetectedNumberImg\"><\/div><\/span><\/span><\/span><\/span><\/span><\/span><\/span><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-envelope-o\"><\/i> <span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\"><span id=\"show_email\" class=\"item_list\">cmarchetti@boemortgage.com<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><br>\r\n <div class=\"editable-form\" style=\"clear: both; float: left; \">\r\n <i class=\"fa fa-link\"><\/i> \r\n <a data-original-title=\"Edit your website\" data-pk=\"1\" data-type=\"text\" href=\"boemortgage.com\" id=\"firstname\" class=\"editable editable-click editable-unsaved\" style=\"background-color: rgba(0, 0, 0, 0);\">boemortgage.com<\/a>\r\n <\/div>\r\n<br>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n <\/div>\r\n<div>\r\n\t<a href=\"https:\/\/app.agencyelephant.com\/glu\/calendar\/2420\/my_calendar\">My Calendar<\/a><br>\r\n\t <\/div>\r\n<div>\r\n\tPS - Did you know that mortgages don't always come from major banks?<br>\r\n\t<br>\r\n\t <\/div>\r\n<div>\r\n\tIf you find yourself in a situation where you're struggling to get approval from a<\/div>\r\n<div>\r\n\tbank, look out for my next email about alternative loan sources. You may be closer<\/div>\r\n<div>\r\n\tto getting your next home than you thought!<\/div>\r\n<\/span>\r\n <\/td>\r\n <\/tr>\r\n <tr id=\"canspam\">\r\n <td>\r\n <table width=\"100%\" cellspacing=\"0\" cellpadding=\"0\" border=\"0\" align=\"center\" bgcolor=\"#e8e8e8\">\r\n <tbody>\r\n <tr>\r\n <td class=\"paragraph\">\r\n <div class=\"show-action-on\" style=\"display:none;width: 100%;\">\r\n <i class=\"fa fa-pencil-square-o\" onclick=\"EditText('subscription_panel');\"><\/i>\r\n <\/div>\r\n <p id=\"subscription_panel\" style=\"font-size: 13px; color: rgb(68, 68, 68);margin-top:10px;margin-bottom:10px;padding-left:10px\"> To unsubscribe from all future emails {unsubscribe}<br>\r\n To update your contact information please {contact_info_update} \r\n <\/p> \r\n <\/td>\r\n <\/tr>\r\n <tr>\r\n <td class=\"paragraph\"> \r\n <table width=\"100%\">\r\n <tbody>\r\n <tr style=\"width:100%;\">\r\n <td style=\"width:80%;\">\r\n <div class=\"show-action-on\" style=\"display:none;width: 100%;\">\r\n <i class=\"fa fa-pencil-square-o\" onclick=\"EditText('info_panel');\"><\/i>\r\n <\/div>\r\n <p id=\"info_panel\" style=\"font-size: 13px; color: rgb(68, 68, 68);padding-left:10px\"> \r\n <b>This email is sent to {email} by:<\/b><br>\r\n Bank of England Mortgage, 8005 W. 110th St. Suite 100, Overland Park, Kansas, 66210, USA<br>\r\n <!-- You are receiving this email as a user and subscriber of Bank of England Mortgage, <br>\r\n We periodically send newsletters with tips , tricks and updates on Bank of England Mortgage, -->\r\n <\/p>\r\n <\/td>\r\n <td style=\"width:20%;\"> \r\n <\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/td>\r\n <\/tr>\r\n<\/tbody><\/table><kbd style=\"display:none\">followup_1462_36572<\/kbd>","templateId":"380215724517575db9b5ad092d211664"}