{"teamId":"11677","campaignId":"1182","seriesId":"22909","from_email":"atabio@certifiedhomeloans.com","email_subject":"Top 3 signs you\u2019re ready to buy a home","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\tDebating whether you're ready to own a home? Purchasing one is arguably the<\/div>\r\n<div>\r\n\tbiggest investment you'll ever make, so your decision to buy shouldn't be taken<\/div>\r\n<div>\r\n\tlightly.<br>\r\n\t <\/div>\r\n<div>\r\n\tThus, below are 3 signs to help you decide if you're ready to become a home owner<\/div>\r\n<ol>\r\n\t<li>\r\n\t\t<div>\r\n\t\t\t<strong>You can qualify<\/strong><\/div>\r\n\t\t<div>\r\n\t\t\t<br>\r\n\t\t\tIf you haven't gained control of the debt you already have, then the addition<\/div>\r\n\t\t<div>\r\n\t\t\tof a mortgage debt can become an extreme burden. Lenders want to see a<\/div>\r\n\t\t<div>\r\n\t\t\thealthy debt to mortgage ratio and credit score before they qualify you for a<\/div>\r\n\t\t<div>\r\n\t\t\tmortgage. If you've done the research and have the right amount saved for a<\/div>\r\n\t\t<div>\r\n\t\t\tdown payment, then you may be ready to make the move.<\/div>\r\n\t\t<div>\r\n\t\t\tKeep in mind that if you have less than a 20% down payment, you're<\/div>\r\n\t\t<div>\r\n\t\t\trequired to further purchase mortgage insurance, and this premium is added<\/div>\r\n\t\t<div>\r\n\t\t\tto your monthly mortgage payments.<br>\r\n\t\t\t <\/div>\r\n\t\t<div>\r\n\t\t\t<strong>2. You have enough $ for extra home owner costs<\/strong><\/div>\r\n\t\t<div>\r\n\t\t\t<br>\r\n\t\t\tOnce you're a homeowner, you'll also have to pay for a few more expenses<\/div>\r\n\t\t<div>\r\n\t\t\teach year. These include property taxes, utilities (like gas, water and<\/div>\r\n\t\t<div>\r\n\t\t\telectricity) and ongoing maintenance costs (ie. for any repairs that may arise<\/div>\r\n\t\t<div>\r\n\t\t\tunexpectedly.)<br>\r\n\t\t\t <\/div>\r\n\t\t<div>\r\n\t\t\t<strong>3. You can handle the maintenance and repair responsibilities<\/strong><\/div>\r\n\t\t<div>\r\n\t\t\t<br>\r\n\t\t\tUnless you're moving into a condo or townhouse that includes the<\/div>\r\n\t\t<div>\r\n\t\t\tmaintenance, you'll need to take care of all the repairs on your own. These<\/div>\r\n\t\t<div>\r\n\t\t\tinclude necessary tasks like painting, yard work, cleaning the gutters,<\/div>\r\n\t\t<div>\r\n\t\t\tchanging furnace filters, and fixing leaks, among other common maintenance<\/div>\r\n\t\t<div>\r\n\t\t\titems.<\/div>\r\n\t<\/li>\r\n<\/ol>\r\n<div>\r\n\tOwning a home is an exciting process, but the qualifying requirements, extra costs,<\/div>\r\n<div>\r\n\tand responsibilities can make or break your decision.<br>\r\n\t <\/div>\r\n<div>\r\n\tAllow me help you get a clearer idea of whether you're ready to make the leap or<\/div>\r\n<div>\r\n\tnot.<br>\r\n\t <\/div>\r\n<div>\r\n\tGive me a call today and let's chat: {{default_phone}}<\/div>\r\n<div>\r\n\t <\/div>\r\n<div>\r\n\tLooking forward to hearing from you,<br>\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:\/\/app.agencyelephant.com\/glu\/resources\/11677\/0.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\">Alejandro<\/span> <span id=\"show_last_name\" class=\"item_list\">Tabio<\/span><\/strong><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-globe\"><\/i> <span id=\"show_company\" class=\"item_list\">Certified Home Loans<\/span><\/span><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-briefcase\"><\/i> <span id=\"show_title\" class=\"item_list\">Loan Officer<\/span><\/span><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-mobile\"><\/i> <span id=\"show_mobile\" class=\"item_list\">(786) 971-6775<\/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\">atabio@certifiedhomeloans.com<\/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=\"certifiedhomeloans.com\" id=\"firstname\" class=\"editable editable-click editable-unsaved\" style=\"background-color: rgba(0, 0, 0, 0);\">certifiedhomeloans.com<\/a>\r\n <\/div><br>\r\n <span style=\"float:left;\"><i class=\"fa fa-info-circle\"><\/i> <span id=\"show_additional_info\" class=\"item_list\">NMLS #: 1026927<\/span><\/span><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 \u2013 How much home you can afford? Find out how to get a quick and painless<\/div>\r\n<div>\r\n\tmortgage pre-approval in my next email. It's easier than you think!<\/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 Certified Home Loans, 1200 S. 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