{"teamId":"11767","campaignId":"1340","seriesId":"31123","from_email":"","email_subject":"Have you been denied by the bank? A must-read.","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&nbsp;<\/div>\r\n<div>\r\n\tIf you've had issues getting a mortgage approval this year, you are not alone.<br>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tSometimes even those with excellent credit ratings and significant deposits are<\/div>\r\n<div>\r\n\tturned away.<br>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tThere are a multitude of reasons why your application may have been denied by<\/div>\r\n<div>\r\n\tthe bank. Likely, no one reason alone was a contributing factor.<br>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tLuckily, there's still more you can do try and obtain your dream home.<br>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tRead further to learn why your application may have been rejected, and helpful tips<\/div>\r\n<div>\r\n\tyou can do to resolve.<br>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\t<u>Why your application for a mortgage may have been rejected<\/u><br>\r\n\t&nbsp;<\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>&nbsp;Your income<\/strong><\/li>\r\n<\/ul>\r\n<div>\r\n\tLenders want to ensure you can afford the monthly mortgage payments well<\/div>\r\n<div>\r\n\tinto the future. If you cannot prove significant income over a 2-year period<\/div>\r\n<div>\r\n\tthat meets their requirements, you may be denied. Steady and secure<\/div>\r\n<div>\r\n\tincome can provide proof that you make enough money to cover the<\/div>\r\n<div>\r\n\tmortgage now and forthcoming.<br>\r\n\t&nbsp;<\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>Your down payment<\/strong><\/li>\r\n<\/ul>\r\n<div>\r\n\tThe amount of down payment you've saved will be a big part of your<\/div>\r\n<div>\r\n\tmortgage approval success. The more down payment you have, the better<\/div>\r\n<div>\r\n\tyour chances of being qualified.<br>\r\n\t&nbsp;<\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>Your credit score<\/strong><\/li>\r\n<\/ul>\r\n<div>\r\n\tYour credit history will also be an important part of the mortgage approval.<\/div>\r\n<div>\r\n\tA low credit rating, late mortgage payments, bankruptcies, high debts, or<\/div>\r\n<div>\r\n\toverdue payments on the credit report are all solid grounds to reject your<\/div>\r\n<div>\r\n\tapplication.<br>\r\n\t&nbsp;<\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>Your debt<\/strong><\/li>\r\n<\/ul>\r\n<div>\r\n\tFinancing a new car purchase or opening a new credit card and adding a<\/div>\r\n<div>\r\n\tsignificant amount to the balance will affect your mortgage approval. This<\/div>\r\n<div>\r\n\tnew debt will affect your total affordability and show banks that your present<\/div>\r\n<div>\r\n\tfinancial circumstances are unstable.<\/div>\r\n<div>\r\n\t&nbsp;<\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>Your closing costs<\/strong><\/li>\r\n<\/ul>\r\n<div>\r\n\tOn top of your down payment and monthly mortgage payments, the bank<\/div>\r\n<div>\r\n\tmay require you have enough in your bank account to cover closing costs.<\/div>\r\n<div>\r\n\tTypically, closing costs are 2-5% of the purchase price of your home.<\/div>\r\n<div>\r\n\tProviding proof of all available funds will be a crucial step in the approval<\/div>\r\n<div>\r\n\tprocess.<br>\r\n\t&nbsp;<\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>Your property's condition<\/strong><\/li>\r\n<\/ul>\r\n<div>\r\n\tAnother key factor to consider is the property condition. The bank will want<\/div>\r\n<div>\r\n\tto see an appraisal report that outlines the condition of the property, as well<\/div>\r\n<div>\r\n\tas its current market value. If there are structural issues, for example, the<\/div>\r\n<div>\r\n\tbank may think twice before lending to you.<\/div>\r\n<div>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tIf you find yourself denied, do not fret. There is hope.<\/div>\r\n<div>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\t<u>What you can do to get back on track:<\/u><br>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tDid you know that mortgages do not always come from major banks? In obtaining<\/div>\r\n<div>\r\n\ta loan on your home, trust companies, credit unions, and even private investors<\/div>\r\n<div>\r\n\tmay be viable sources.<br>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tThese alternative lenders will have different guidelines for qualifying for a mortgage<\/div>\r\n<div>\r\n\tthan standard banks.<br>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tIf you find yourself in a situation where you're struggling to get approval and<\/div>\r\n<div>\r\n\tare denied by the bank, talk to me about these alternate loan sources.<br>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tA different avenue may be the best possibility for you, then I can help make the<\/div>\r\n<div>\r\n\tnecessary connections.<br>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tLet's chat! Call or Text me anytime:&nbsp;{{default_phone}}<\/div>\r\n<div>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tCheers,<\/div>\r\n<div>\r\n\t&nbsp;<\/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:\/\/proprospector.com\/glu\/resources\/11767\/Ed-Sullivan_signature-photo-120x130.png\" 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>&nbsp;&nbsp;&nbsp;<span id=\"show_first_name\" class=\"item_list\">Ed<\/span>&nbsp;&nbsp;<span id=\"show_last_name\" class=\"item_list\">Sullivan<\/span><\/strong><br>\r\n                                                <span style=\"float:left;\"><i class=\"fa fa-globe\"><\/i>&nbsp;&nbsp;&nbsp;<span id=\"show_company\" class=\"item_list\">Lincoln Financial Mortgage Corporation | NMLS #947730<\/span><\/span><br>\r\n                                                <span style=\"float:left;\"><i class=\"fa fa-briefcase\"><\/i>&nbsp;&nbsp;&nbsp;<span id=\"show_title\" class=\"item_list\">Director of Mortgage Operations | NMLS #745263<\/span><\/span><br>\r\n                                                <span style=\"float:left;\"><i class=\"fa fa-mobile\"><\/i>&nbsp;&nbsp;&nbsp;<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\"><span id=\"show_mobile\" class=\"item_list\">(727) 565-0696<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><br>\r\n                                                <span style=\"float:left;\"><i class=\"fa fa-envelope-o\"><\/i>&nbsp;&nbsp;&nbsp;<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\">ed@lincolnfinancialmortgage.com<\/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>&nbsp;&nbsp; \r\n   <a data-original-title=\"Edit your website\" data-pk=\"1\" data-placeholder=\"Required\" data-type=\"text\" href=\"Click Here To Schedule Time With Me: CALENDAR LINK\" id=\"firstname\" class=\"editable editable-click editable-unsaved\" style=\"background-color: rgba(0, 0, 0, 0);\">Click Here To Schedule Time With Me: CALENDAR LINK<\/a> \r\n   <\/div>\r\n<br>\r\n                                                                                              <\/div>\r\n                                            <\/div>\r\n                                          <\/div>\r\n                                        &nbsp;<br>\r\n\t<a href=\"https:\/\/app.agencyelephant.com\/glu\/calendar\/2420\/my_calendar\">My Calendar<\/a><\/div>\r\n<div>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tPS \u2013 If you already have a mortgage and it's coming up for renewal, there's critical<\/div>\r\n<div>\r\n\tinformation you need to know before signing the dotted line. Find out what, coming<\/div>\r\n<div>\r\n\tup next.<\/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=\"width: 100%; display: none;\">\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=\"width: 100%; display: none;\">\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                      Lincoln Financial Mortgage Corporation | NMLS #947730,  10658 Seminole Blvd, Seminole, FL, 33778, USA<br>\r\n                      <!-- You are receiving this email as a user and subscriber of Lincoln Financial Mortgage Corporation | NMLS #947730, <br>\r\n                      We periodically send newsletters with tips , tricks and updates on Lincoln Financial Mortgage Corporation | NMLS #947730,  -->\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_1340_31123<\/kbd>","templateId":"594915716793565dadec7ceb3b211767"}