{"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":"<table border=\"0\" cellpadding=\"1\" cellspacing=\"1\" style=\"background-color:#fff;\" width=\"100%\">\r\n\t<tbody>\r\n\t\t<tr>\r\n\t\t\t<td class=\"paragraph\" style=\" padding: 15px;\">\r\n\t\t\t\t<div class=\"show-action-on\" style=\"width: 96%; display: none;\">\r\n\t\t\t\t\t<\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Hey {first_name},<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">If you've had issues getting a mortgage approval this year, you are not alone.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Sometimes even those with excellent credit ratings and significant deposits are<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">turned away.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">There are a multitude of reasons why your application may have been denied by<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">the bank. Likely, no one reason alone was a contributing factor.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Luckily, there's still more you can do try and obtain your dream home.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Read further to learn why your application may have been rejected, and helpful tips<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">you can do to resolve.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\"><u>Why your application for a mortgage may have been rejected<\/u><br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<ul>\r\n\t\t\t\t\t<li>\r\n\t\t\t\t\t\t<span id=\"t1\"><strong>Your income<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Lenders want to ensure you can afford the monthly mortgage payments well<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">into the future. If you cannot prove significant income over a 2-year period<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">that meets their requirements, you may be denied. Steady and secure<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">income can provide proof that you make enough money to cover the<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">mortgage now and forthcoming.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<ul>\r\n\t\t\t\t\t<li>\r\n\t\t\t\t\t\t<span id=\"t1\"><strong>Your down payment<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">The amount of down payment you've saved will be a big part of your<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">mortgage approval success. The more down payment you have, the better<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">your chances of being qualified.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<ul>\r\n\t\t\t\t\t<li>\r\n\t\t\t\t\t\t<span id=\"t1\"><strong>Your credit score<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Your credit history will also be an important part of the mortgage approval.<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">A low credit rating, late mortgage payments, bankruptcies, high debts, or<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">overdue payments on the credit report are all solid grounds to reject your<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">application.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<ul>\r\n\t\t\t\t\t<li>\r\n\t\t\t\t\t\t<span id=\"t1\"><strong>Your debt<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Financing a new car purchase or opening a new credit card and adding a<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">significant amount to the balance will affect your mortgage approval. This<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">new debt will affect your total affordability and show banks that your present<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">financial circumstances are unstable.<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\"><\/span><\/div>\r\n\t\t\t\t<ul>\r\n\t\t\t\t\t<li>\r\n\t\t\t\t\t\t<span id=\"t1\"><strong>Your closing costs<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">On top of your down payment and monthly mortgage payments, the bank<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">may require you have enough in your bank account to cover closing costs.<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Typically, closing costs are 2-5% of the purchase price of your home.<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Providing proof of all available funds will be a crucial step in the approval<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">process.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<ul>\r\n\t\t\t\t\t<li>\r\n\t\t\t\t\t\t<span id=\"t1\"><strong>Your property's condition<\/strong><\/span><\/li>\r\n\t\t\t\t<\/ul>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Another key factor to consider is the property condition. The bank will want<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">to see an appraisal report that outlines the condition of the property, as well<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">as its current market value. If there are structural issues, for example, the<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">bank may think twice before lending to you.<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\"><\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">If you find yourself denied, do not fret. There is hope.<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\"><\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\"><u>What you can do to get back on track:<\/u><br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Did you know that mortgages do not always come from major banks? In obtaining<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">a loan on your home, trust companies, credit unions, and even private investors<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">may be viable sources.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">These alternative lenders will have different guidelines for qualifying for a mortgage<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">than standard banks.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">If you find yourself in a situation where you're struggling to get approval and<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">are denied by the bank, talk to me about these alternate loan sources.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">A different avenue may be the best possibility for you, then I can help make the<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">necessary connections.<br \/>\r\n\t\t\t\t\t<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Let's chat! Call or Text me anytime:{{default_phone}}<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\"><\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">Cheers,<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\"><\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\"><br \/>\r\n\t\t\t\t\t<a href=\"https:\/\/app.agencyelephant.com\/glu\/calendar\/2420\/my_calendar\">My Calendar<\/a><\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\"><\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">PS \u2013 If you already have a mortgage and it's coming up for renewal, there's critical<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">information you need to know before signing the dotted line. Find out what, coming<\/span><\/div>\r\n\t\t\t\t<div>\r\n\t\t\t\t\t<span id=\"t1\">up next.<\/span><\/div>\r\n\t\t\t<\/td>\r\n\t\t<\/tr>\r\n\t\t<tr id=\"canspam\">\r\n\t\t\t<td>\r\n\t\t\t\t<table align=\"center\" bgcolor=\"#e8e8e8\" border=\"0\" cellpadding=\"0\" cellspacing=\"0\" width=\"100%\">\r\n\t\t\t\t\t<tbody>\r\n\t\t\t\t\t\t<tr>\r\n\t\t\t\t\t\t\t<td class=\"paragraph\">\r\n\t\t\t\t\t\t\t\t<div class=\"show-action-on\" style=\"width: 100%; display: none;\">\r\n\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t<p id=\"subscription_panel\" style=\"font-size: 13px; color: rgb(68, 68, 68);margin-top:10px;margin-bottom:10px;padding-left:10px\">\r\n\t\t\t\t\t\t\t\t\tTo unsubscribe from all future emails {unsubscribe}<br \/>\r\n\t\t\t\t\t\t\t\t\tTo update your contact information please {contact_info_update}<\/p>\r\n\t\t\t\t\t\t\t<\/td>\r\n\t\t\t\t\t\t<\/tr>\r\n\t\t\t\t\t\t<tr>\r\n\t\t\t\t\t\t\t<td class=\"paragraph\">\r\n\t\t\t\t\t\t\t\t<table width=\"100%\">\r\n\t\t\t\t\t\t\t\t\t<tbody>\r\n\t\t\t\t\t\t\t\t\t\t<tr style=\"width:100%;\">\r\n\t\t\t\t\t\t\t\t\t\t\t<td style=\"width:80%;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"show-action-on\" style=\"width: 100%; display: none;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\r\n\t\t\t\t\t\t\t\t\t\t\t\t<p id=\"info_panel\" style=\"font-size: 13px; color: rgb(68, 68, 68);padding-left:10px\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<b>This email is sent to {email} by:<\/b><br \/>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\tC2 Financial,  9241 Nautilus dr, Miami, Florida, 33189, USA<br \/>\r\n\t\t\t\t\t\t\t\t\t\t\t\t\t<!-- You are receiving this email as a user and subscriber of C2 Financial, <br>\r\n                      We periodically send newsletters with tips , tricks and updates on C2 Financial,  --><\/p>\r\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\r\n\t\t\t\t\t\t\t\t\t\t\t<td style=\"width:20%;\">\r\n\t\t\t\t\t\t\t\t\t\t\t\t<\/td>\r\n\t\t\t\t\t\t\t\t\t\t<\/tr>\r\n\t\t\t\t\t\t\t\t\t<\/tbody>\r\n\t\t\t\t\t\t\t\t<\/table>\r\n\t\t\t\t\t\t\t<\/td>\r\n\t\t\t\t\t\t<\/tr>\r\n\t\t\t\t\t<\/tbody>\r\n\t\t\t\t<\/table>\r\n\t\t\t<\/td>\r\n\t\t<\/tr>\r\n\t<\/tbody>\r\n<\/table>","templateId":"582515926071655eed41bd0bf381230000405"}