{"teamId":"11767","campaignId":"1943","seriesId":"62689","from_email":"","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&nbsp;<\/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&nbsp;<\/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&nbsp;<\/div>\r\n<div>\r\n\t<u>Type of Mortgage<\/u><br>\r\n\t&nbsp;<\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>Conventional mortgage&nbsp;<\/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&nbsp;<\/div>\r\n<ul>\r\n\t<li>\r\n\t\t<strong>High ratio mortgage<\/strong><br>\r\n\t\t&nbsp;<\/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&nbsp;<\/div>\r\n<div>\r\n\t<u>Interest Rate<\/u><\/div>\r\n<div>\r\n\t&nbsp;<\/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&nbsp;<\/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&nbsp;<\/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&nbsp;<\/div>\r\n<div>\r\n\t<u>Term and Amortization<\/u><br>\r\n\t&nbsp;<\/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&nbsp;<\/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&nbsp;<\/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&nbsp;<\/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&nbsp;<\/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&nbsp;<\/div>\r\n<div>\r\n\tCall me to get a quick and easy mortgage that fits your needs:&nbsp;{{default_phone}}<\/div>\r\n<div>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\tHappily anticipating your call,<\/div>\r\n<div>\r\n\t&nbsp;<\/div>\r\n<div>\r\n\t<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>&nbsp;<\/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&nbsp;<\/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&nbsp;<\/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                      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>","templateId":"217115716793565dadec7ceac2611767"}