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<div style="text-align: center;"><em>"Dreams come in a size too big so that we may grow into them." </em>&mdash;&nbsp;Josie Bisse</div>
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<h1 class="null" style="display: block; margin: 0; padding: 0; font-family: 'Merriweather Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 32px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left; color: #ffffff;">{TITLE:10}</h1>
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<td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top">
<h2 style="display: block; margin: 0; padding: 0; font-family: 'Merriweather Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 17px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left; color: #202020;">There's a new way to tap home equity&mdash;but buyer beware</h2>
At first glance, it sounds almost too good to be true. You receive a lump sum of cash today, make no monthly payments, and pay no traditional interest. In exchange, an investor receives a percentage of your home&rsquo;s future value when you sell or refinance.
<p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;">These arrangements are often called <strong>home equity agreements </strong>or <strong>shared equity agreements</strong>.</p>
<p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;">●&nbsp; They appeal to homeowners who are equity-rich but cash-poor, don&rsquo;t want to refinance into a higher rate, may not qualify for a HELOC, or simply want to avoid another monthly payment.</p>
<p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;"><strong>But beware. </strong>While the cost isn&rsquo;t paid monthly, it can be substantial later. If your home rises significantly in value over the next 5&ndash;10 years, the investor&rsquo;s share rises with it. What feels like a fair trade today may look very different when it&rsquo;s time to settle.</p>
<p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;">That doesn&rsquo;t make these agreements automatically bad. <strong>It just makes them complicated. </strong>And complicated financial tools deserve careful math and clear advice before signing. Before trading a piece of your home away, ask whether short-term relief is worth the long-term cost &mdash; and speak with a qualified financial expert or mortgage professional first. Let me know if you need a referral.&nbsp;{OWNERFIRST:4}, {PHONE:15}</p>
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<td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td>
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<table class="mcnButtonContentContainer" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-radius: 17px; background-color: #343434; border-collapse: separate;" border="0" width="100%" cellspacing="0" cellpadding="0" bgcolor="#343434">
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<td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 0px 0 0px;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 991px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/5ecaaa0d-343a-8884-2425-e52784d50270.png" alt="Optical Illusion" width="200" align="center" /></td>
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<td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;" align="left" valign="top">
<h3 class="null" style="display: block; margin: 0; padding: 0; font-family: Helvetica; font-size: 16px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left; color: #1381c0;">A cluttered space can feel suffocating, and science explains why</h3>
Visual clutter overwhelms the brain&rsquo;s processing capacity, forcing it to constantly sort through irrelevant stimuli. This increases cortisol, the stress hormone, and makes concentration harder. Psychologists have found that people living in cluttered environments often report higher fatigue and less satisfaction with life. As our world has become increasingly complex, we've found at-home clutter to be more distracting, giving rise to a craving for minimalism and calm spaces. Being tidy isn't just about neatness; it's also about giving your mind more space.</td>
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<td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;" align="left" valign="top">
<h3 style="display: block; margin: 0; padding: 0; font-family: Helvetica; font-size: 16px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left; color: #1381c0;">Everyone loves &lsquo;Mediterranean Style&rsquo;</h3>
Stucco walls, clay tile roofs, and arched doorways are common in the US Southwest. These features trace back to Spanish and Mexican settlers, who built missions and ranches resembling Mediterranean villas.<br /> The style surged in popularity after the <strong>1915 Panama-California Exposition</strong> in San Diego. Architect Bertram Goodhue designed the fair&rsquo;s pavilions in an elaborate Spanish Colonial style, and visitors loved it so much the look spread across California overnight. Today, the appeal endures, and the warm, romantic, inviting style can be found almost everywhere.</td>
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<td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td>
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<h2 class="null" style="display: block; margin: 0; padding: 0; font-family: 'Merriweather Sans', 'Helvetica Neue', Helvetica, Arial, sans-serif; font-size: 17px; font-style: normal; font-weight: bold; line-height: 125%; letter-spacing: normal; text-align: left; color: #202020;">JUST FOR FUN</h2>
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<td class="mcnCaptionBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top">
<table class="mcnCaptionTopContent mcnBlockFloatLeft" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left;" border="0" cellspacing="0" cellpadding="0" align="left">
<tbody>
<tr>
<td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; padding: 0 9px 0 9px;" align="left" valign="top" width="564">
<h3 style="display: block; margin: 0; padding: 0; font-family: Helvetica; font-size: 16px; font-style: normal; font-weight: bold; line-height: 150%; letter-spacing: normal; text-align: left; color: #1381c0;">New Growth Word Search</h3>
<p style="margin: 10px 0; padding: 0; mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left;">Enjoy this fun puzzle. No login or registration needed. <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4caad8; font-weight: normal; text-decoration: none;" href="https://members.fastnewsletters.com/word-search-april-1-new-growth/" target="_blank" rel="noopener">Just click to play now</a><a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4caad8; font-weight: normal; text-decoration: none;" href="https://members.fastnewsletters.com/word-search-april-1-new-growth/" target="_blank" rel="noopener">!</a></p>
</td>
</tr>
<tr>
<td class="mcnCaptionTopImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px 9px 0 9px;" align="center" valign="top"><a class="" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" title="" href="https://members.fastnewsletters.com/word-search-april-1-new-growth/" target="_blank" rel="noopener"> <img class="mcnImage" style="-ms-interpolation-mode: bicubic; border: 0; height: auto; outline: none; text-decoration: none; vertical-align: bottom; max-width: 1200px; border-radius: 1%;" src="https://mcusercontent.com/d176f34dd6765bd83c9030617/images/44fe9e56-3e4e-298a-2a7f-d8ea52b93bd2.png" alt="" width="564" /> </a></td>
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</table>
</td>
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</tbody>
</table>
<table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0">
<tbody class="mcnDividerBlockOuter">
<tr>
<td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 18px 18px 20px;">
<table class="mcnDividerContent" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; border-top: 5px dotted #C9C9C9;" border="0" width="100%" cellspacing="0" cellpadding="0">
<tbody>
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<td style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">&nbsp;</td>
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</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table class="mcnButtonBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0">
<tbody class="mcnButtonBlockOuter">
<tr>
<td class="mcnButtonBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 0 18px 18px 18px;" align="center" valign="top">
<table class="mcnButtonContentContainer" style="mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; border-radius: 17px; background-color: #343434; border-collapse: separate;" border="0" width="100%" cellspacing="0" cellpadding="0" bgcolor="#343434">
<tbody>
<tr>
<td class="mcnButtonContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; font-family: Arial; font-size: 14px; padding: 11px;" align="center" valign="middle"><a class="mcnButton " style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; display: block; font-weight: bold; letter-spacing: normal; line-height: 100%; text-align: center; text-decoration: none; color: #ffffff;" title="Get in Touch" href="mailto:{EMAIL:16}" target="_blank" rel="noopener">Get in Touch</a></td>
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</tbody>
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</td>
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</tbody>
</table>
<table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0">
<tbody class="mcnTextBlockOuter">
<tr>
<td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top">
<table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left">
<tbody>
<tr>
<td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; text-align: left; padding: 0 18px 9px 18px;" align="left" valign="top">
<div align="center"><span style="color: #ff0000;"><img class="mcnImage" style="vertical-align: bottom; display: block; border: 0px; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 110px; height: auto;" src="{OWNERIMG:12}" alt="Agent image." width="110" height="" align="CENTER" data-file-id="4123549" /></span></div>
</td>
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</tbody>
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</td>
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</tbody>
</table>
<table class="mcnTextBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0">
<tbody class="mcnTextBlockOuter">
<tr>
<td class="mcnTextBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding-top: 9px;" valign="top">
<table class="mcnTextContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; max-width: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left">
<tbody>
<tr>
<td class="mcnTextContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; word-break: break-word; color: #202020; font-family: Arial, 'Helvetica Neue', Helvetica, sans-serif; font-size: 14px; line-height: 150%; padding: 0px 18px 9px; text-align: center;" align="center" valign="top"><strong>{OWNERFIRST:4} {OWNERLAST:11}</strong><br /> <strong>{PHONE:15}</strong><br /> <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4caad8; font-weight: normal; text-decoration: none;" href="mailto:{EMAIL:16}" target="_blank" rel="noopener">{EMAIL:16}</a><br /> <a style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; color: #4caad8; font-weight: normal; text-decoration: none;" href="{WEBSITE:14}" target="_blank" rel="noopener">Search Homes Here</a><br /> {COMPANY:17}</td>
</tr>
</tbody>
</table>
</td>
</tr>
</tbody>
</table>
<table class="mcnImageBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0">
<tbody class="mcnImageBlockOuter">
<tr>
<td class="mcnImageBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 9px;" valign="top">
<table class="mcnImageContentContainer" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; float: left; min-width: 100%;" border="0" width="100%" cellspacing="0" cellpadding="0" align="left">
<tbody>
<tr>
<td class="mcnImageContent" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; text-align: center; padding: 0 9px 0 9px;" align="center" valign="top"><img class="mcnImage" style="border: 0; height: auto; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; max-width: 196px; padding-bottom: 0; vertical-align: bottom; display: inline;" src="{LOGO:8}" alt="" width="176.4" align="center" /></td>
</tr>
</tbody>
</table>
</td>
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</tbody>
</table>
<table class="mcnDividerBlock" style="border-collapse: collapse; mso-table-lspace: 0pt; mso-table-rspace: 0pt; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; table-layout: fixed;" border="0" width="100%" cellspacing="0" cellpadding="0">
<tbody class="mcnDividerBlockOuter">
<tr>
<td class="mcnDividerBlockInner" style="mso-line-height-rule: exactly; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; min-width: 100%; padding: 68px 18px 48px;">&nbsp;</td>
</tr>
</tbody>
</table>
</td>
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</tbody>
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</td>
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</td>
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</center>

GRAPHIC

Copy the HTML code from above. Then paste it into the visual editor: https://html5-editor.net/. Or you can paste it into a free Mailchimp or Zoho Campaigns account. From there, “select all” to copy the visual. Then you can add it to Follow Up Boss or other systems that won’t allow HTML.