{"teamId":"9300","campaignId":"2404","seriesId":"78032","from_email":"athena.rogers@churchillmortgage.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&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=\"row\">\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\/9300\/Professionalpic1.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>&nbsp;&nbsp;&nbsp;<span id=\"show_first_name\" class=\"item_list\">Athena<\/span>&nbsp;&nbsp;<span id=\"show_last_name\" class=\"item_list\">Rogers<\/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\">Churchill Mortgage<\/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\">Mortgage Loan Officer<\/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\">(404) 547-0372<\/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\">athena.rogers@churchillmortgage.com<\/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 class=\"editable editable-click editable-unsaved\" id=\"firstname\" href=\"churchillmortgage.com\/athena-rogers\" data-original-title=\"Edit your website\" data-pk=\"1\" data-placeholder=\"Required\" data-type=\"text\" style=\"background-color: rgba(0, 0, 0, 0);\">churchillmortgage.com\/athena-rogers<\/a>\r\n                                      <\/div><br>                                                                                                  <\/div>\r\n                                              <\/div>\r\n                                            <\/div>\r\n                                          <\/div>\r\n                                                                                  <div class=\"col-md-10 signature_disclaimer\" style=\"border-top: 2px dashed #666666;margin-top: 10px;\">\r\n                                            <p id=\"show_disclaimer\" style=\"margin-top: 5px;\">Athena Karen Rogers NMLS ID: 1448071; Company NMLS ID: 1591 (www.nmlsconsumeraccess.org); GA-52768; 555 N Point Ctr E Ste 400, Alpharetta, Georgia 30022-1528; Tel 888-562-6200; Churchill Mortgage Corporation \t The information contained in this electronic message and any attachments to this message are intended for the exclusive use of the addressee(s) and may contain proprietary, confidential or privileged information . If you are not the intended recipient, you should not disseminate, distribute or copy this e-mail. Please notify the sender immediately and destroy all copies of this message and any attachments.  WARNING: Computer viruses can be transmitted via email. The recipient should check this email and any attachments for the presence of viruses. The company accepts no liability for any damage caused by any virus transmitted by this email. <\/p>\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                      Churchill Mortgage,  103 Jonesboro Rd., Suite B, Jonesboro, GA, 30253, USA<br>\r\n                      <!-- You are receiving this email as a user and subscriber of Churchill Mortgage, <br>\r\n                      We periodically send newsletters with tips , tricks and updates on Churchill 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>","templateId":"622615938162985effb4ea7a70d9300"}