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<!DOCTYPE html>
<html style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; color-scheme: light dark; supported-color-schemes: light dark;">
 <head>
  <meta content="text/html; charset=utf-8" http-equiv="Content-Type"/>
  <style>
   a:hover {
color: inherit; font-size: inherit; line-height: inherit; text-decoration: inherit;
}
body {
padding: 0; margin: 0 auto !important; font-family: Helvetica, Arial, sans-serif !important; mso-hyphenate: none !important;
}
.primaryHover:hover {
background: #0033AB !important;
}
.secondaryHoverWhite:hover {
background: #FFFFFF !important; border-color: none !important; color: #111116 !important;
}
.secondaryHoverBlue:hover {
background: #F4F9FF !important; border-color: #0033AB !important; color: #0033AB !important;
}
.textHoverBlue:hover {
text-decoration: underline !important; color: #0033AB !important;
}
.textHoverWhite:hover {
text-decoration: none !important; color: #EEEEF0 !important;
}
body {
-ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;
}
body {
height: 100%; margin: 0 auto !important; padding: 0; width: 100%; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale;
}
img {
border: 0 !important; height: auto; line-height: 100%; outline: none; text-decoration: none;
}
img {
-ms-interpolation-mode: bicubic;
}
body[data-outlook-cycle] .image {
width: 36px; height: 36px;
}
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}
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  u + .body .full-wrap {
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  u + .body .glist {
    margin-left: 8px !important;
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}
@media screen and (min-width: 481px) and (max-width: 600px) {
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    width: 100% !important; min-width: 200px !important; max-width: 480px !important;
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  .dir {
    direction: ltr !important;
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  .apple_address a {
    font-family: Helvetica, Arial, sans-serif !important; text-decoration: none !important; font-size: 12px !important; line-height: 16px !important; font-weight: 400 !important;
  }
  .background-size {
    background-size: cover !important; background-position: 50% 50% !important;
  }
  img.show {
    display: block !important; height: auto !important;
  }
  td.stack {
    width: 100% !important; display: block !important;
  }
  th.stack {
    width: 100% !important; display: block !important;
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}
@media (prefers-color-scheme: dark ) {
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  h2 {
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  h3 {
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    background-color: none !important; color: #65B4FF !important; border-color: #65B4FF !important;
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    filter: invert(70%) sepia(84%) saturate(2707%) hue-rotate(185deg) brightness(104%) contrast(102%);
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    filter: invert(5%) sepia(10%) saturate(1330%) hue-rotate(201deg) brightness(99%) contrast(95%);
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    filter: brightness(0.96) sepia(0.03) hue-rotate(210deg) saturate(1.2);
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  .primaryHover:hover {
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  .secondaryHoverWhite:hover {
    background: #FFFFFF !important; border-color: none !important; color: #111116 !important;
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  .secondaryHoverBlue:hover {
    background: #000E42 !important; border-color: #9ACDFF !important; color: #9ACDFF !important;
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}
  </style>
 </head>
 <body style="font-family: Helvetica, Arial, sans-serif !important; font-size: inherit; mso-hyphenate: none !important; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; height: 100%; width: 100%; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; margin: 0 auto; padding: 0;">
  <div style="display:none !important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">
   Here’s where they’re at.
  </div>
  <div style="display:none !important;visibility:hidden;mso-hide:all;font-size:1px;color:#ffffff;line-height:1px;max-height:0px;max-width:0px;opacity:0;overflow:hidden;">
   ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌      ͏ ‌     
  </div>
  <p style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
   <!-- zhl tracking parameters  -->
  </p>
  <meta content="text/html; charset=utf-8" http-equiv="Content-Type" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;"/>
  <meta content="width=device-width, initial-scale=1.0, maximum-scale=1.0, minimum-scale=1.0, user-scalable=no" name="viewport" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;"/>
  <meta charset="utf-8" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;"/>
  <meta content="IE=edge" http-equiv="X-UA-Compatible" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;"/>
  <meta name="x-apple-disable-message-reformatting" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;"/>
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  <meta content="light dark" name="color-scheme" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;"/>
  <meta content="light dark" name="supported-color-schemes" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;"/>
  <title style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
   Zillow
  </title>
  <!--[if mso]>
    <style type="text/css">
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      font-family: Helvetica, Arial, sans-serif !important;
      }
      a { text-decoration: none; font-family: Helvetica, Arial, sans-serif !important;
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      span {
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      h1, h2, h3 {
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  <center aria-roledescription="email" lang="en" role="article" style="width: 100%; background-color: #FFFFFF; font-family: Helvetica, Arial, sans-serif; font-size: inherit;" xml:lang="en">
   <!--[if mso | IE]>
  <table role="presentation" border="0" cellpadding="0" cellspacing="0" width="100%" style="background-color: #FFFFFF;">
  <tr>
  <td>
  <![endif]-->
   <!-- START Email -->
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             Our latest rates
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             Interest rates change frequently — below are the current general rates from Zillow Home Loans. Looking for a personalized rate? BuyAbility
             <sup style="font-size: 10px; line-height: 100%; vertical-align: super; font-family: Helvetica, Arial, sans-serif;">
              SM
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             will give you a custom rate estimate along with home budget and monthly payment estimates, updated daily as our rates shift.
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               Get my BuyAbility
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                Common loans from Zillow Home Loans
                <sup style="font-size: 12px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif;">
                 1
                </sup>
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                Explore our different mortgage options and find the right fit for you.
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                     <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;" width="100%">
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                        <h3 align="left" class="dmcwhite" style="font-size: 20px; line-height: 24px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; color: #111116; font-weight: 800; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0;">
                         30-Year Fixed
                        </h3>
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                         <!--[if mso]><i style="letter-spacing:16px;mso-font-width:-100%;mso-text-raise:16pt">&nbsp;</i>
            <![endif]-->
                         <span class="dmcblack" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                          Most popular
                         </span>
                         <!--[if mso]><i style="letter-spacing: 16px;mso-font-width:-100%">&nbsp;</i>
            <![endif]-->
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                        <ul role="list" style="color: #111116; font-family: Helvetica, Arial, sans-serif; text-align: left; list-style-position: outside; font-size: inherit; margin: 0; padding: 12px 0px 0px 20px;" type="disc">
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                          3% min down payment
                         </li>
                         <li class="dmcwhite" style="mso-special-format: bullet; font-weight: 400; font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">
                          Lower payments due to longer term
                         </li>
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                          <!--[if mso]><i style="letter-spacing:16px;mso-font-width:-100%;mso-text-raise:20pt">&nbsp;</i>&nbsp;&nbsp;
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                           Get pre-approved
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                         <!--[if !mso]>
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                           <!--<![endif]-->
                           <p align="left" class="font12 dmcblack" style="font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; font-weight: 400; color: #535364; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                            Rate
                           </p>
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                            6.75%
                           </p>
                           <!--[if !mso]></td><!-->
                          </th>
                          <!--<![endif]-->
                          <!--[if !mso]>
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              <tr>
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                          <!--[if !mso]><td style="width:100%; display:block;"><!-->
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                           <!--<![endif]-->
                           <p align="left" class="font12 dmcblack" style="font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; font-weight: 400; color: #535364; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                            APR
                           </p>
                           <p align="left" class="font14 dmcblack" style="font-size: 20px; line-height: 24px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; font-weight: 800; color: #111116; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0px;">
                            6.905%
                           </p>
                          </th>
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                          <td class="padl24 padr16 padb16" style="mso-line-height-rule: exactly; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 12px 0px 0px;">
                           <p align="left" class="font12 dmcblack" style="font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; font-weight: 400; color: #535364; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                            Points
                           </p>
                           <p align="left" class="font14 dmcblack" style="font-size: 20px; line-height: 24px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; font-weight: 800; color: #111116; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0px;">
                            1.571
                            <br style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;"/>
                            ($4320.25)
                           </p>
                          </td>
                         </tr>
                        </table>
                       </td>
                      </tr>
                     </table>
                    </th>
                   </tr>
                   <!--[if !mso]><!-->
                   <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                    <td align="left" class="show" style="mso-line-height-rule: exactly; border-collapse: separate; overflow: hidden !important; display: none; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 12px 0px 0px;" valign="top">
                     <div style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                      <!--cta-->
                      <a bgcolor="none" class="secondaryHoverBlue dmbuttonSecondaryBlue" data-msys-sublink=" web " style="color: #0041D9; background-color: none; font-size: 16px; font-family: Helvetica, Arial, sans-serif; font-weight: 700; text-decoration: none; border-radius: 12px; display: inline-block; mso-padding-alt: 0; line-height: 24px; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 12px 16px; border: 1px solid #0041D9;">
                       <!--[if mso]><i aria-hidden="true" style="letter-spacing:16px;mso-font-width:-100%;mso-text-raise:20pt">&nbsp;</i>&nbsp;&nbsp;
        <![endif]-->
                       <span class="secondaryHoverBlue dmbuttonSecondaryBlue" style="mso-text-raise: 10pt; font-family: Helvetica, Arial, sans-serif; font-weight: 700 !important; font-size: inherit;">
                        Get pre-approved
                       </span>
                       <!--[if mso]>&nbsp;&nbsp;<i aria-hidden="true" style="letter-spacing: 16px;mso-font-width:-100%">&nbsp;</i>
        <![endif]-->
                      </a>
                     </div>
                    </td>
                   </tr>
                   <!--<![endif]-->
                  </table>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
             <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
              <td style="mso-line-height-rule: exactly; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 12px 0px 0px;">
               <table cellpadding="0" cellspacing="0" class="width100perc" role="presentation" style="border-radius: 20px; border-collapse: separate; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border: 1px solid #CDCDD3;">
                <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                 <td class="padlr24 padt24 padb24" style="mso-line-height-rule: exactly; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 12px;">
                  <table cellpadding="0" cellspacing="0" class="width100perc padlr24" role="presentation" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;">
                   <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                    <th align="left" class="width100perc stack padl0 padt0" role="presentation" style="width: 240px; font-family: Helvetica, Arial, sans-serif; font-size: inherit; padding: 12px 0px 12px 12px;" valign="top" width="240">
                     <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;" width="100%">
                      <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                       <td style="mso-line-height-rule: exactly; border-collapse: separate; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
                        <h3 align="left" class="dmcwhite" style="font-size: 20px; line-height: 24px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; color: #111116; font-weight: 800; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0;">
                         15-Year Fixed
                        </h3>
                        <span style="display: inline-block; background-color: #9FF17B; border-radius: 20px; font-family: Helvetica, Arial, sans-serif; font-weight: 700; font-size: 12px; line-height: 12px; color: #111116; mso-text-raise: 10px; mso-padding-alt: 0; margin: 0; padding: 4px 2px 4px 8px;">
                         <!--[if mso]><i style="letter-spacing:16px;mso-font-width:-100%;mso-text-raise:16pt">&nbsp;</i>
            <![endif]-->
                         <span class="dmcblack" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                          Faster payoff
                         </span>
                         <!--[if mso]><i style="letter-spacing: 16px;mso-font-width:-100%">&nbsp;</i>
            <![endif]-->
                        </span>
                        <ul role="list" style="color: #111116; font-family: Helvetica, Arial, sans-serif; text-align: left; list-style-position: outside; font-size: inherit; margin: 0; padding: 12px 0px 0px 20px;" type="disc">
                         <li class="dmcwhite" style="mso-special-format: bullet; font-weight: 400; font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">
                          5% min down payment
                         </li>
                         <li class="dmcwhite" style="mso-special-format: bullet; font-weight: 400; font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">
                          Pay less interest due to shorter term
                         </li>
                        </ul>
                       </td>
                      </tr>
                      <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                       <td align="left" class="hide padlr24" style="mso-line-height-rule: exactly; border-collapse: separate; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 12px 0px 0px;" valign="top">
                        <div style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                         <!--cta-->
                         <a bgcolor="none" class="secondaryHoverBlue dmbuttonSecondaryBlue" data-msys-sublink=" web " style="color: #0041D9; background-color: none; font-size: 16px; font-family: Helvetica, Arial, sans-serif; font-weight: 700; text-decoration: none; border-radius: 12px; display: inline-block; mso-padding-alt: 0; line-height: 24px; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 12px 16px; border: 1px solid #0041D9;">
                          <!--[if mso]><i style="letter-spacing:16px;mso-font-width:-100%;mso-text-raise:20pt">&nbsp;</i>&nbsp;&nbsp;
              <![endif]-->
                          <span class="secondaryHoverBlue dmbuttonSecondaryBlue" style="mso-text-raise: 10pt; font-family: Helvetica, Arial, sans-serif; font-weight: 700 !important; font-size: inherit;">
                           Get pre-approved
                          </span>
                          <!--[if mso]>&nbsp;&nbsp;<i style="letter-spacing: 16px;mso-font-width:-100%">&nbsp;</i>
              <![endif]-->
                         </a>
                        </div>
                       </td>
                      </tr>
                     </table>
                    </th>
                    <th align="left" class="hide" role="presentation" style="width: 24px; font-family: Helvetica, Arial, sans-serif; font-size: inherit;" valign="top" width="24">
                    </th>
                    <th align="left" bgcolor="#EEEEF0" class="width100perc stack" role="presentation" style="width: 240px; border-collapse: separate; border-radius: 12px; font-family: Helvetica, Arial, sans-serif; font-size: inherit;" valign="middle" width="240">
                     <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;" width="100%">
                      <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                       <td class="pad0" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 24px;">
                        <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;" width="100%">
                         <!--[if !mso]>
            <tr>
              <td height="12">&nbsp;
              </td>
            </tr>
            <tr>
              <td style="width:100%; display:block;"><!-->
                         <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                          <th class="width50perc tableCell padl24 padt16 padr4" role="presentation" style="width: 100%; display: block; font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                           <!--<![endif]-->
                           <p align="left" class="font12 dmcblack" style="font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; font-weight: 400; color: #535364; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                            Rate
                           </p>
                           <p align="left" class="font14 dmcblack" style="font-size: 20px; line-height: 24px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; font-weight: 800; color: #111116; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0px;">
                            6.125%
                           </p>
                           <!--[if !mso]></td><!-->
                          </th>
                          <!--<![endif]-->
                          <!--[if !mso]>
              </tr> 
              <tr>
              <![endif]-->
                          <!--[if !mso]><td style="width:100%; display:block;"><!-->
                          <th class="width50perc tableCell padl4 padt16 padr24" role="presentation" style="width: 100%; display: block; font-family: Helvetica, Arial, sans-serif; font-size: inherit; padding: 12px 0px 0px;">
                           <!--<![endif]-->
                           <p align="left" class="font12 dmcblack" style="font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; font-weight: 400; color: #535364; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                            APR
                           </p>
                           <p align="left" class="font14 dmcblack" style="font-size: 20px; line-height: 24px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; font-weight: 800; color: #111116; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0px;">
                            6.376%
                           </p>
                          </th>
                         </tr>
                         <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                          <td class="padl24 padr16 padb16" style="mso-line-height-rule: exactly; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 12px 0px 0px;">
                           <p align="left" class="font12 dmcblack" style="font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; font-weight: 400; color: #535364; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                            Points
                           </p>
                           <p align="left" class="font14 dmcblack" style="font-size: 20px; line-height: 24px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; font-weight: 800; color: #111116; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0px;">
                            1.582
                            <br style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;"/>
                            ($4350.50)
                           </p>
                          </td>
                         </tr>
                        </table>
                       </td>
                      </tr>
                     </table>
                    </th>
                   </tr>
                   <!--[if !mso]><!-->
                   <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                    <td align="left" class="show" style="mso-line-height-rule: exactly; border-collapse: separate; overflow: hidden !important; display: none; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 12px 0px 0px;" valign="top">
                     <div style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                      <!--cta-->
                      <a bgcolor="none" class="secondaryHoverBlue dmbuttonSecondaryBlue" data-msys-sublink=" web " style="color: #0041D9; background-color: none; font-size: 16px; font-family: Helvetica, Arial, sans-serif; font-weight: 700; text-decoration: none; border-radius: 12px; display: inline-block; mso-padding-alt: 0; line-height: 24px; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 12px 16px; border: 1px solid #0041D9;">
                       <!--[if mso]><i aria-hidden="true" style="letter-spacing:16px;mso-font-width:-100%;mso-text-raise:20pt">&nbsp;</i>&nbsp;&nbsp;
        <![endif]-->
                       <span class="secondaryHoverBlue dmbuttonSecondaryBlue" style="mso-text-raise: 10pt; font-family: Helvetica, Arial, sans-serif; font-weight: 700 !important; font-size: inherit;">
                        Get pre-approved
                       </span>
                       <!--[if mso]>&nbsp;&nbsp;<i aria-hidden="true" style="letter-spacing: 16px;mso-font-width:-100%">&nbsp;</i>
        <![endif]-->
                      </a>
                     </div>
                    </td>
                   </tr>
                   <!--<![endif]-->
                  </table>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
             <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
              <td style="mso-line-height-rule: exactly; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 12px 0px 0px;">
               <table cellpadding="0" cellspacing="0" class="width100perc" role="presentation" style="border-radius: 20px; border-collapse: separate; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border: 1px solid #CDCDD3;">
                <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                 <td class="padlr24 padt24 padb24" style="mso-line-height-rule: exactly; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 12px;">
                  <table cellpadding="0" cellspacing="0" class="width100perc padlr24" role="presentation" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;">
                   <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                    <th align="left" class="width100perc stack padl0 padt0" role="presentation" style="width: 240px; font-family: Helvetica, Arial, sans-serif; font-size: inherit; padding: 12px 0px 12px 12px;" valign="top" width="240">
                     <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;" width="100%">
                      <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                       <td style="mso-line-height-rule: exactly; border-collapse: separate; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
                        <h3 align="left" class="dmcwhite" style="font-size: 20px; line-height: 24px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; color: #111116; font-weight: 800; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0;">
                         30-Year FHA
                        </h3>
                        <span style="display: inline-block; background-color: #9FF17B; border-radius: 20px; font-family: Helvetica, Arial, sans-serif; font-weight: 700; font-size: 12px; line-height: 12px; color: #111116; mso-text-raise: 10px; mso-padding-alt: 0; margin: 0; padding: 4px 2px 4px 8px;">
                         <!--[if mso]><i style="letter-spacing:16px;mso-font-width:-100%;mso-text-raise:16pt">&nbsp;</i>
            <![endif]-->
                         <span class="dmcblack" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                          Lower credit profiles
                         </span>
                         <!--[if mso]><i style="letter-spacing: 16px;mso-font-width:-100%">&nbsp;</i>
            <![endif]-->
                        </span>
                        <ul role="list" style="color: #111116; font-family: Helvetica, Arial, sans-serif; text-align: left; list-style-position: outside; font-size: inherit; margin: 0; padding: 12px 0px 0px 20px;" type="disc">
                         <li class="dmcwhite" style="mso-special-format: bullet; font-weight: 400; font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">
                          3.5% min down payment
                         </li>
                         <li class="dmcwhite" style="mso-special-format: bullet; font-weight: 400; font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;">
                          Looser credit/debt requirements
                         </li>
                        </ul>
                       </td>
                      </tr>
                      <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                       <td align="left" class="hide padlr24" style="mso-line-height-rule: exactly; border-collapse: separate; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 12px 0px 0px;" valign="top">
                        <div style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                         <!--cta-->
                         <a bgcolor="none" class="secondaryHoverBlue dmbuttonSecondaryBlue" data-msys-sublink=" web " style="color: #0041D9; background-color: none; font-size: 16px; font-family: Helvetica, Arial, sans-serif; font-weight: 700; text-decoration: none; border-radius: 12px; display: inline-block; mso-padding-alt: 0; line-height: 24px; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 12px 16px; border: 1px solid #0041D9;">
                          <!--[if mso]><i style="letter-spacing:16px;mso-font-width:-100%;mso-text-raise:20pt">&nbsp;</i>&nbsp;&nbsp;
              <![endif]-->
                          <span class="secondaryHoverBlue dmbuttonSecondaryBlue" style="mso-text-raise: 10pt; font-family: Helvetica, Arial, sans-serif; font-weight: 700 !important; font-size: inherit;">
                           Get pre-approved
                          </span>
                          <!--[if mso]>&nbsp;&nbsp;<i style="letter-spacing: 16px;mso-font-width:-100%">&nbsp;</i>
              <![endif]-->
                         </a>
                        </div>
                       </td>
                      </tr>
                     </table>
                    </th>
                    <th align="left" class="hide" role="presentation" style="width: 24px; font-family: Helvetica, Arial, sans-serif; font-size: inherit;" valign="top" width="24">
                    </th>
                    <th align="left" bgcolor="#EEEEF0" class="width100perc stack" role="presentation" style="width: 240px; border-collapse: separate; border-radius: 12px; font-family: Helvetica, Arial, sans-serif; font-size: inherit;" valign="middle" width="240">
                     <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;" width="100%">
                      <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                       <td class="pad0" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 24px;">
                        <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;" width="100%">
                         <!--[if !mso]>
            <tr>
              <td height="12">&nbsp;
              </td>
            </tr>
            <tr>
              <td style="width:100%; display:block;"><!-->
                         <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                          <th class="width50perc tableCell padl24 padt16 padr4" role="presentation" style="width: 100%; display: block; font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                           <!--<![endif]-->
                           <p align="left" class="font12 dmcblack" style="font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; font-weight: 400; color: #535364; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                            Rate
                           </p>
                           <p align="left" class="font14 dmcblack" style="font-size: 20px; line-height: 24px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; font-weight: 800; color: #111116; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0px;">
                            6.25%
                           </p>
                           <!--[if !mso]></td><!-->
                          </th>
                          <!--<![endif]-->
                          <!--[if !mso]>
              </tr> 
              <tr>
              <![endif]-->
                          <!--[if !mso]><td style="width:100%; display:block;"><!-->
                          <th class="width50perc tableCell padl4 padt16 padr24" role="presentation" style="width: 100%; display: block; font-family: Helvetica, Arial, sans-serif; font-size: inherit; padding: 12px 0px 0px;">
                           <!--<![endif]-->
                           <p align="left" class="font12 dmcblack" style="font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; font-weight: 400; color: #535364; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                            APR
                           </p>
                           <p align="left" class="font14 dmcblack" style="font-size: 20px; line-height: 24px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; font-weight: 800; color: #111116; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0px;">
                            6.877%
                           </p>
                          </th>
                         </tr>
                         <tr style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;">
                          <td class="padl24 padr16 padb16" style="mso-line-height-rule: exactly; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 12px 0px 0px;">
                           <p align="left" class="font12 dmcblack" style="font-size: 14px; line-height: 21px; font-family: Helvetica, Arial, sans-serif; font-weight: 400; color: #535364; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                            Points
                           </p>
                           <p align="left" class="font14 dmcblack" style="font-size: 20px; line-height: 24px; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; font-weight: 800; color: #111116; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0px;">
                            1.042
                            <br style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;"/>
                            ($2865.50)
                           </p>
                          </td>
                         </tr>
                        </table>
                       </td>
                      </tr>
                     </table>
                    </th>
                   </tr>
                   <!--[if !mso]><!-->
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                      <!--cta-->
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                       <!--[if mso]><i aria-hidden="true" style="letter-spacing:16px;mso-font-width:-100%;mso-text-raise:20pt">&nbsp;</i>&nbsp;&nbsp;
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                       <span class="secondaryHoverBlue dmbuttonSecondaryBlue" style="mso-text-raise: 10pt; font-family: Helvetica, Arial, sans-serif; font-weight: 700 !important; font-size: inherit;">
                        Get pre-approved
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                       <!--[if mso]>&nbsp;&nbsp;<i aria-hidden="true" style="letter-spacing: 16px;mso-font-width:-100%">&nbsp;</i>
        <![endif]-->
                      </a>
                     </div>
                    </td>
                   </tr>
                   <!--<![endif]-->
                  </table>
                 </td>
                </tr>
               </table>
              </td>
             </tr>
            </table>
           </td>
          </tr>
         </table>
         <!-- Module ends here -->
         <table align="center" cellpadding="0" cellspacing="0" class="width100perc dmblack" role="presentation" style="width: 600px; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;" width="600">
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              <td align="left" class="padlr24" style="color: #FFFFFF; mso-line-height-rule: exactly; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 0px 48px;">
               <h2 align="left" class="dmcwhite" style="font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; font-size: 20px; line-height: 24px; font-weight: 800; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                See more of our mortgage options
               </h2>
              </td>
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                <!--cta-->
                <a bgcolor="#136F65" class="secondaryHoverWhite dmbuttonSecondaryWhite" data-msys-sublink="web" style="color: #FFFFFF; background-color: #136F65; font-size: 16px; font-family: Helvetica, Arial, sans-serif; font-weight: 700; text-decoration: none; border-radius: 12px; display: inline-block; mso-padding-alt: 0; line-height: 24px; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; padding: 12px 16px; border: 1px solid #FFFFFF;">
                 <!--[if mso]><i style="letter-spacing:16px;mso-font-width:-100%;mso-text-raise:20pt">&nbsp;</i>&nbsp;&nbsp;
                                    <![endif]-->
                 <span class="secondaryHoverWhite dmbuttonSecondaryWhite" style="mso-text-raise: 10pt; font-family: Helvetica, Arial, sans-serif; font-weight: 700 !important; font-size: inherit;">
                  Find your fit
                 </span>
                 <!--[if mso]>&nbsp;&nbsp;<i style="letter-spacing: 16px;mso-font-width:-100%">&nbsp;</i>
                                    <![endif]-->
                </a>
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              </td>
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              <td class="padlr24 padb20" style="mso-line-height-rule: exactly; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; padding: 0px 0px 24px;">
               <h2 align="left" class="dmcwhite font20" style="font-size: 24px; line-height: 28px; font-weight: 800; color: #111116; font-family: 'ObjectSansHeavy', 'Arial Black', Arial, Helvetica, sans-serif; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; margin: 0; padding: 0;">
                Why work with Zillow Home Loans
               </h2>
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                  <img alt="Arrow 1" border="0" src="https://inboxflows.com/_/image/https%253A%252F%252Fwww.zillowstatic.com%252Fbedrock%252Fapp%252Fuploads%252Fsites%252F36%252F2025%252F04%252FChevronRightCircle_T.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZ3d3cuemlsbG93cyIsInRpbWUiOjE3ODQ3MzI5OTAuMzQ3MzQyN30:1wmYZy:pHBTAdkIZIK4BzWuKVn6A7jrYDPyjapiEvU9cC76pbQ" style="display: inline; vertical-align: -5px; width: 24px; font-family: Helvetica, Arial, sans-serif; font-size: inherit; height: auto; line-height: 100%; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; margin: 0; padding: 0; border-width: 0;" width="24"/>
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                    <td style="mso-line-height-rule: exactly; font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt;">
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                      4.9/5 star rating with over 13,000 reviews
                      <sup style="font-size: 10px; font-family: Helvetica, Arial, sans-serif;">
                       2
                      </sup>
                     </p>
                    </td>
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               <table style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;">
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                  <img alt="Arrow 2" border="0" src="https://inboxflows.com/_/image/https%253A%252F%252Fwww.zillowstatic.com%252Fbedrock%252Fapp%252Fuploads%252Fsites%252F36%252F2025%252F04%252FChevronRightCircle_T.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZ3d3cuemlsbG93cyIsInRpbWUiOjE3ODQ3MzI5OTAuMzQ3NDUwM30:1wmYZy:ugRwxpaavL9g4P_PuKvQN7hwQ965nPlWCWRwjI4Fquw" style="display: inline; vertical-align: -5px; width: 24px; font-family: Helvetica, Arial, sans-serif; font-size: inherit; height: auto; line-height: 100%; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; margin: 0; padding: 0; border-width: 0;" width="24"/>
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                      A variety of loan types with low down payment options
                     </p>
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                  <img alt="Arrow 3" border="0" src="https://inboxflows.com/_/image/https%253A%252F%252Fwww.zillowstatic.com%252Fbedrock%252Fapp%252Fuploads%252Fsites%252F36%252F2025%252F04%252FChevronRightCircle_T.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZ3d3cuemlsbG93cyIsInRpbWUiOjE3ODQ3MzI5OTAuMzQ3NTUyNX0:1wmYZy:nqcnFibDnugN4dn_hY4tjNIg5id7qTTS0qoUB3CBLUc" style="display: inline; vertical-align: -5px; width: 24px; font-family: Helvetica, Arial, sans-serif; font-size: inherit; height: auto; line-height: 100%; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; margin: 0; padding: 0; border-width: 0;" width="24"/>
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                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;" width="100%">
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                      Competitive rates with best-in-class service
                     </p>
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               <table style="font-family: Helvetica, Arial, sans-serif; font-size: inherit; -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%; mso-table-lspace: 0pt; mso-table-rspace: 0pt; border-collapse: collapse;">
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                  <img alt="Arrow 4" border="0" src="https://inboxflows.com/_/image/https%253A%252F%252Fwww.zillowstatic.com%252Fbedrock%252Fapp%252Fuploads%252Fsites%252F36%252F2025%252F04%252FChevronRightCircle_T.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZ3d3cuemlsbG93cyIsInRpbWUiOjE3ODQ3MzI5OTAuMzQ3NjU0fQ:1wmYZy:0ZznC3iBv4xfmsKqmCduyQH4O2GNR7VbQ4SMy2MproM" style="display: inline; vertical-align: -5px; width: 24px; font-family: Helvetica, Arial, sans-serif; font-size: inherit; height: auto; line-height: 100%; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; margin: 0; padding: 0; border-width: 0;" width="24"/>
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                      Transparent pricing with no hidden fees
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               <img alt="Quotes" height="44" src="https://inboxflows.com/_/image/https%253A%252F%252Fdelivery.digitallibrary.zillowgroup.com%252Fpublic%252F0528_SZ_QuotationMark_Icon_Blue_Lifecycle_Marketing_Icon.png/?inbox_flows_img_sig=eyJwYXRoIjoiaHR0cHMlM0ElMkYlMkZkZWxpdmVyeS5kaSIsInRpbWUiOjE3ODQ3MzI5OTAuMzQ3NzYzM30:1wmYZy:DY8GyJxUvIePRRH-o4RImSmRn7o5EdVhuuSy8kzi5bI" style="display: block; font-family: sans-serif; font-size: 16px; color: #111116; height: auto; line-height: 100%; outline: none; text-decoration: none; -ms-interpolation-mode: bicubic; border-width: 0;" width="44"/>
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                What buyers are saying
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                “
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                 As a first-time homebuyer, my [Zillow Home Loans] loan officer made me feel at ease and welcomed all questions I had with so much patience.
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                ”
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                —
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                  Michelle, Arizona
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                Download the app
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                   Zillow Home Loans, LLC is an Equal Housing Lender, NMLS #10287.
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                   For licensing information, go to
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                    www.nmlsconsumeraccess.org
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                   2600 Michelson Dr.
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                   Suite 1201
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                   Irvine, CA 92612
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                   ©2018–2026
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                    Equal housing lender
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                   This email message is for the sole use of the intended recipient(s) and may contain confidential and privileged information. Any unauthorized use or disclosure is prohibited. If you are not the intended recipient, please contact the sender by reply email or destroy all copies of the original message. This is not a commitment to lend. Zillow Home Loans does not currently offer loans in New York. For subject properties located in Texas, a conditional pre-qualification will be issued in lieu of a pre-approval, per state requirements.
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             <sup style="font-size: 10px !important; line-height: 1; vertical-align: super; font-weight: 400; font-family: Helvetica, Arial, sans-serif;">
              1
             </sup>
             Your loan's interest rate and APR will depend upon the specific characteristics of your transaction and your individual credit history. These figures are for estimation purposes only and may not reflect the exact terms of your loan. This is not a commitment to lend. Rates current as of: 07/22/2026.
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             30-Year Fixed Rate Conventional Loan Example
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             Interest rate of 6.75% (6.905% APR) calculated for a mortgage loan of $275,000, with a monthly payment of $1784.00. Rate assumes a down payment of 20% and includes 1.571 ($4320.25) points, paid at closing. Payment amount is for principal and interest only and does not include taxes or insurance; actual payment obligation will be greater.
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             15-Year Fixed Rate Conventional Loan Example
             <br style="font-family: Helvetica, Arial, sans-serif; font-size: inherit;"/>
             Interest rate of 6.125% (6.376% APR) calculated for a mortgage loan of $275,000, with a monthly payment of $2340.00. Rate assumes a down payment of 20% and includes 1.582 ($4350.50) points, paid at closing. Payment amount is for principal and interest only and does not include taxes or insurance; actual payment obligation will be greater.
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             30-Year Fixed Rate FHA Loan Example
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             FHA Loan Example includes a one-time upfront mortgage insurance premium equal to 1.75% of base loan amount will be charged and paid at closing. A monthly mortgage insurance premium (MIP) equal to 0.5% of the base loan amount will apply and is included in monthly mortgage payments. For mortgages with an initial loan-to-value (LTV) ratio of 80%, the monthly MIP will be paid for the first 11 years of the loan only; greater LTVs require payment of MIP for the life of the loan.
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             Interest rate of 6.25% (6.877% APR) calculated for a mortgage loan of $275,000, with a monthly payment of $1837.00. Rate assumes a down payment of 20% and includes 1.042 ($2865.50) points, paid at closing. Payment amount is for principal interest, and monthly mortgage insurance premium only and does not include taxes or other types of insurance; actual payment obligation will be greater.
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             For all rates shown, unless otherwise noted, we assumed:
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             Debt-to-income ratio less than 43%
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             Credit score of 740 or greater
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             Closing costs, including points, are paid at closing
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             Loan is to secure a single-family home used as a primary residence in the state of California
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             <sup style="font-size: 10px !important; line-height: 1; vertical-align: super; font-weight: 400; font-family: Helvetica, Arial, sans-serif;">
              2
             </sup>
             Average 4.9/5.0 stars based on actual customer reviews.
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