{"teamId":"1230000405","campaignId":"2355","seriesId":"75260","from_email":"seb.mortgage@gmail.com","email_subject":"Have you been denied by the bank? A must-read.","attachment":"","email_message":"\r\n\t\r\n\t\t\r\n\t\t\t\r\n\t\t\t
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\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tHey {first_name},
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tIf you've had issues getting a mortgage approval this year, you are not alone.
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tSometimes even those with excellent credit ratings and significant deposits are<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tturned away.
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tThere are a multitude of reasons why your application may have been denied by<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tthe bank. Likely, no one reason alone was a contributing factor.
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tLuckily, there's still more you can do try and obtain your dream home.
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tRead further to learn why your application may have been rejected, and helpful tips<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tyou can do to resolve.
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
\r\n\t\t\t\t\tWhy your application for a mortgage may have been rejected<\/u>
\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
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  • \r\n\t\t\t\t\t\tYour income<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t
    \r\n\t\t\t\t\tLenders want to ensure you can afford the monthly mortgage payments well<\/span><\/div>\r\n\t\t\t\t
    \r\n\t\t\t\t\tinto the future. If you cannot prove significant income over a 2-year period<\/span><\/div>\r\n\t\t\t\t
    \r\n\t\t\t\t\tthat meets their requirements, you may be denied. Steady and secure<\/span><\/div>\r\n\t\t\t\t
    \r\n\t\t\t\t\tincome can provide proof that you make enough money to cover the<\/span><\/div>\r\n\t\t\t\t
    \r\n\t\t\t\t\tmortgage now and forthcoming.
    \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
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    • \r\n\t\t\t\t\t\tYour down payment<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t
      \r\n\t\t\t\t\tThe amount of down payment you've saved will be a big part of your<\/span><\/div>\r\n\t\t\t\t
      \r\n\t\t\t\t\tmortgage approval success. The more down payment you have, the better<\/span><\/div>\r\n\t\t\t\t
      \r\n\t\t\t\t\tyour chances of being qualified.
      \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
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      • \r\n\t\t\t\t\t\tYour credit score<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t
        \r\n\t\t\t\t\tYour credit history will also be an important part of the mortgage approval.<\/span><\/div>\r\n\t\t\t\t
        \r\n\t\t\t\t\tA low credit rating, late mortgage payments, bankruptcies, high debts, or<\/span><\/div>\r\n\t\t\t\t
        \r\n\t\t\t\t\toverdue payments on the credit report are all solid grounds to reject your<\/span><\/div>\r\n\t\t\t\t
        \r\n\t\t\t\t\tapplication.
        \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
          \r\n\t\t\t\t\t
        • \r\n\t\t\t\t\t\tYour debt<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t
          \r\n\t\t\t\t\tFinancing a new car purchase or opening a new credit card and adding a<\/span><\/div>\r\n\t\t\t\t
          \r\n\t\t\t\t\tsignificant amount to the balance will affect your mortgage approval. This<\/span><\/div>\r\n\t\t\t\t
          \r\n\t\t\t\t\tnew debt will affect your total affordability and show banks that your present<\/span><\/div>\r\n\t\t\t\t
          \r\n\t\t\t\t\tfinancial circumstances are unstable.<\/span><\/div>\r\n\t\t\t\t
          \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
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          • \r\n\t\t\t\t\t\tYour closing costs<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t
            \r\n\t\t\t\t\tOn top of your down payment and monthly mortgage payments, the bank<\/span><\/div>\r\n\t\t\t\t
            \r\n\t\t\t\t\tmay require you have enough in your bank account to cover closing costs.<\/span><\/div>\r\n\t\t\t\t
            \r\n\t\t\t\t\tTypically, closing costs are 2-5% of the purchase price of your home.<\/span><\/div>\r\n\t\t\t\t
            \r\n\t\t\t\t\tProviding proof of all available funds will be a crucial step in the approval<\/span><\/div>\r\n\t\t\t\t
            \r\n\t\t\t\t\tprocess.
            \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
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            • \r\n\t\t\t\t\t\tYour property's condition<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t
              \r\n\t\t\t\t\tAnother key factor to consider is the property condition. The bank will want<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tto see an appraisal report that outlines the condition of the property, as well<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tas its current market value. If there are structural issues, for example, the<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tbank may think twice before lending to you.<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tIf you find yourself denied, do not fret. There is hope.<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tWhat you can do to get back on track:<\/u>
              \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tDid you know that mortgages do not always come from major banks? In obtaining<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\ta loan on your home, trust companies, credit unions, and even private investors<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tmay be viable sources.
              \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tThese alternative lenders will have different guidelines for qualifying for a mortgage<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tthan standard banks.
              \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tIf you find yourself in a situation where you're struggling to get approval and<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tare denied by the bank, talk to me about these alternate loan sources.
              \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tA different avenue may be the best possibility for you, then I can help make the<\/span><\/div>\r\n\t\t\t\t
              \r\n\t\t\t\t\tnecessary connections.
              \r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t
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\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t

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\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tThis email is sent to {email} by:<\/b>
\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tC2 Financial, 9241 Nautilus dr, Miami, Florida, 33189, USA
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