BEGIN:VCARD
VERSION:3.0
PRODID:-//SocialCoach//Version 1//EN
FN:Stephanie Lutzen
TITLE:Mortgage Loan Advisor
NOTE:28 Years Mortgage Expertise | Nassau, Duval + Surrounding Areas | Home Loans Made Simple


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PCK/+HxN0wp6CiQPGdjhSkoTnHnVi9aa0tvOfy/I4pRLR4RiyUOKUlGMk7befnvUt6tNS06TpD0L0N8Fsa5JcaNN/onWr5cQAlTviIKe4Ge1B9qQy5dHIKkkKUlK21g49c1PvNho9nTepkuuN7sTCh8Y8j5/LNQHeoT1qvER49QUlfTnzUM7/AMKsuPstlrggqq5OmY7R2EKaziG034tPMYQ4Mg/xH86I+HN2RJhqtMk5Qo4SVDsryNfeMFlcft5mNs5KEJUAO6U0L6BuQanKjKdIyfdye1NefOPYVe4GGcA/Ks/wnuoZ00be/Ix4b3QR96ni43Vb7nSFDDa+lIAoH4XvNzGHGXFg9JSVAdyRnFEz8cJe8VLwCVq7EY3rqB3NpRMnwlFwnPNxlyVIP6kbepyd6afGkfuR+VOK347SELWkqT04UCKy9tsv7hf5VOOguF3XJJUc70LalSk3JrOcZ3xROpYRuTQtqZS3J7YbTgZ+0an1pVtOkxLRiBrxCfqs/Laq18w2nor+hL9KmRwWjpyWsBX2SskgfmDVg79MMWypDasuOJ6FD5jFV654b1E03wimWUSUIelwEM4UcdPvdR/hmh7Dg2IlG1BudrVxT5loSLaY8UI6VAY6fj50BcOrMp7VlujtoJVKuDTIA75UsDNGvM/djN1sqN1FSUuFXSa3co0KBqTmX0LZZbaVNSdTRkKQrtjrFDRktpu/hMpQ12Ua38gL0E8HeF2kJXAKw8NtdWKPcGW7Qwy+2+nIPuDy/Gttm5KOWKwP/pW28NYEeQ0ctrKABR/ojT3iJShhkBDeEpV3wAMCiqVpuPHgF24OHw0jKlHsRVFZIIwXc9drUhSE+ubQdBQZeOB3DBi7tzbfbYySg4QG2QCj1AI8qmjQkt2zWqPboyultDeEI+FAt0ukG93lMW1NeGy0Snqx9rejbSEUSAk+AvCU4yRtTWlxnOwdqJ1Qwnwkeu9Pt3yb7RJiowptSQVKxgHvQ5aOXDg/d7G/YbxYY7zUv9cPsFR9eoeYqRp8e3MxXH7g2rpSCc+gpXpyw2G/wBMtLxWlSdwFdq/TNa2TRdx/hRfRdI0njtVm1t9FFyn6hmJuC9IygUbnxrstTaiDncedGv8Aox0lw90OrRdhtLTFtRF8NLDScJxjHb/KpwlaYdgMlLjXW0pP2gN01Hut46YDLrJQFo6T0jHal16N0zPe7aIoVmQSAxt191yd+kB4aMxrtOeVGAAB2T5o9fntVMdQxVXG0NS0pUt1h8tveqSNwfxGK6Z/SKaWhP2dd2aHQ6FEDbc5G4rnVZ4D637napbA6VOHBPYgdsfyonDO4RkFBZ+IOm20JmmWtF9sDKe4wUPnucEbfkaiaTbn7Lc+h1CkqZcIVtjODtUx2lsW6dO0+6FIK0/Uk7EpV/nmg3iHZGXlJubZPWU/Wp7YI9aslaQaIKpl6IEByK+Emqo8WdHfdf2WOxPZVSTPmP3WSS030JbHUAlPc1XbSVxciyUM+IAQ4DnPY/s/xqedJ3lu42BqZ4hDhZBeUnGyv/jFTwEtcQh5CHRghPCm2VxEpGeoo6tv5Um6I/7lVJV3CQtKQlKVdX2fer548z7iPzosbKh2V3uc3237eVDGrVJblIGQB1DAopUU9J97BoR1o420tMpSsBJKvyok+FX2+VpusyO4sIQpKkRm+p5RVsD6n1wKo99JBxcjJgSYBlKV46FFOO3hpGBn0+VWy4janY05w+l3ic6lovJLy+o7dODsfhXIfna47SdZ3C5yor7h8Z4oQ2T+yPMY8qW35AAGfdOcXCOZlPwqkcTNRv6h1RKnuKBHjdLZB3xRTybTnIPNzw9UVYSNURTv2+2KBbuyQjB++VKUPiaeuAV1n2Tj1o68W6K6/Ij6hiqQy2CVL+sGw+NEuAZULfwoo3l2QDz/ALgV6qOHS45gBRQB0771nrG8fpBBtsZQLZGHPPamXSbk9/SDUuInDioTagM7pJQMg/jTBddZWDRLCn9baiiQQtXT48t0IQVYzgKJxWM2HyOnMf5W/wBTgIRJv7JJcQ1ZLoz7Lbi6kL94AdqN3dWyEWpuHZ7UoFWCr3e1R2jidpKe83c7JNkT46/1MiDDU8hzHmlQHSafoHF3SzyAydQtxnEkDwnWCHD8wRRkH7+DX0/Ck22X4CIo2rrheUrtdz0wqOlI6StSslQ9aW2RoaWkokWo4jZw42fKmZjiHoqSA25MkJUo4ChbngFeuD04pxtl+05ccsovcdSsDpS850lQ+AViibDbLm83E7Q/1Yg7h0Ef/pNufAHhO7FO2D5VEvF55qKSeo56s9+9FNuuM2FJ9kDZDThPhk7/AMe1B/EuI/dHPCWTk52xQ7L0kjeL/he/QjZ235VCPpCLy7JtaGEowla8kntVE7pYG1IZv8S4FlDDyjKBAwpO/T+Her7fSMwI+mOGk3Vl5c8FiACVLP3fWuTPGLmFXcl3C3aVjPR4cttLaFuKIyjH2gPLNWfF1pLEY4eFTc/egry+89qQdZRTHei6mtzgcXEeSZCgMhbSj3Hrjv8AhTHr2OhxDr7TB+s36O4Uof0wR+VNHAjiCu+2M6YvLiVSIbX1XWc+M12I3o0ZtzKmkRHlpU0cmMSrBIGcJP5/wp61hrkAqqiRluDk0qHDIbjTkrQkhIUULHzxj+tS9wxmTUWp2IlZCUHqKyfL41H+u9IP2+7iVHZIju7OYOQk52Pzo24fplNWhTjrnQpSsKRnfFGR8XuBCXPDo28XIuFyUY+WxlX7zFYe1y//AKhX5Gm1cn2Q9LC8g9vhWz9JSP3qfzoodBQ8gvQUtQXkgZIBNAnFGUtENqMlzpU4voKkncZPf40clRSPcBznfA8qAtetoduqA44OmO11lQPvdROP4AGi9H7JCDsbVSfpPeNj2gOHUPSVulATLuroCGz73hDuR6d65icT2Vr0h/aOctSDKkrZjJ9UgZKh8M7VabnY1ndeMnMFqaaJYXE0rBUmM22CQnA3GO2T3qn/ABb1A9eNLQ4cVsJiWlj2cJHmpSiSTnzpR9B0s5efA+VYIZfo1Az5KjyZAafiOKyTtkbd/lUtfRx2Fc7mgjajTp1u5HT2n7hdkxnsFKVMMKUleD3wQDUcexBm1IuBbIR0FO+O9PPLRxWuHBzi+1qOBcDFRMtkq3SXSgKT4b7SkEEeec4omUExkIIbEwIXoR+jD5k7fzK8qOk9fh9t2VIt3s9ySXMlElBIV1fPO3wov4+cJNK8VNKz9Dast4fjSQS2o/8AdL7BQPlXH76CXnpi8AuLE/lj4i3b2Wy3+dmzPyF9KI8wEgIJOwCx5+tdnnbw1dnUSEOdXu/ZJG/xyKzfI03U8mdjorX8JfZdx7dHto0VAXLJxz4l8ncxngprO1JummrapaYLzzCVrbbJynB743q11k54OUiUhh282Jv2tLf1xNmWT1Yzsegj+NCrnD/SutogiahtTbxT9lzGFI+VM45QNGSJBkwLlIjoJ2K2wofKn9PI1Wxhr2IufFVLZ5GRzf4KfNcc++iLU45/YDR7V0+rV7K0LetspURgb+ePlg1D174d8Rubm92m/wDE+D/Z2xW5IV7LbmywuWsHqHUoe9g+mcfCpo0jy8aF0mpMqSPa3EK6krcGw/CieU00zHKWEhLSSCkITgCvLlutYYQ1ulGKtan0wlxX7SdiiQ40eI02fZ4EcNspUrOAB60Pay8ESi74WQV4GSf/AOxRI1dkWuyrJcAU59kEVBXNBx0snCvRFw1JcpwQiLHWsgq3UcbJHzNVBsYfOQEwLyyEuKoP9NfxPb1FGsPLnpm6MtXHVF/jwgXVYDKXHUthau5wCvf4VzK5yp2kLrzI6it2gbQ1Ds1ulJhQ2ozYQ2QwkNKIGB3UlRyfWpa4x8y8TWPN1aeOfGexO3qzW6/tSpFnbfKC8w0rqDQV+ychJ/Cq9621Lb9c8S75q62wfZo9yuj0liMpXUWkuLUoJJ8yAQM+eK03CxGCERj5WPeo5Ras8yfCbbDdZ+mbq1e7U4Q8yoFKPvDzTU82DU9o1ZZY11iSglD6/e6R70d8Dfb03/HeoSjW9TqiFI90Nbn0+NOOh9XuaPnvpcBcgyD4Uxg/dG4WPiMnejb0IkbsIOhZdAQ0+FMylw7hGVb7kEBPV1L6T1Jz5kZ8jtt5YNYlaIkkiO2UheCgE+XrTfb7jAv9uVKiygtpwFTLydlAYAAV6mm63ajXNnm3yXOl1oZSTt1DypbV5Mk0UytuY9nIIojrbfWW3XOlR+O1bPCc/eN/lTY0orCST3Gd963eOf3if/TTVLV6IlnO6SSfLeqZ/SW8wHFTgpe7TbtC3FuHFuUdYlOqjpWVqAPu5Pl3q47ylFRUynAxtk+dVB+l04dydV8v/wDbq3oBmabfD/Qk/abUcKFW305JThyzTYG2HpVq22Qw+zyuXnETinrydr++rlXcYvsT/WfCSEhwgdsCoHuabl4r1qkKUpl9eVdXkRR/rm9uS7iyqa+lK0gdCU7nHxpivTTb6PHbSSrPZQGB8aF9UTVIci+GuAAD4H+U5x8TpKwdIe0LTpr6IHsvjkoSP1fkDTBMS6D7SkYUPeSerzFEN6jJaB6z7x3V8BTS40HGTgDHltVcDuSnezg8aSWXqBxuYzfmwqPPYUlbcqO50kqG4UB97IFdk/oc/pNpXMPo9fBfi3L69UWGOgsT1kATY6dgSfJY8/WuMd1jqDJwf86tV9DFO9n5i7myV46rIrAz6KpTm68U+PdKR7mjpNvTlyaDKNhH9rjpeh/TDq7tGanQ5IU0UgJAPcUURrb4TGfHWk+ue351WrhFxYv2k4Ta3mjKiYGU9XvpqWU8zujWoXjTWHkq6PeSUjvVEq5FrQBpa26tvslSI044y19a6SgDPiKxuPwoUv8Arm3olrbceShpPYFQGaiTiRzjx5MJds0fCcWopKeojP8APtUF6m4q8Q9RzFQ4F0cDruym2Qcj8fKu7OQ5jTQof25B6U8cWeZDTemIjoXdUKWj3W2Ue8SfSqBc9fFbV/Eiwv8A6Xkri28K91Jz2/DufjUsXpqJa1/7fnofkrJJQXc49ck9/lVQefzjVp+NDTppq8JRHbAU70Y6lnyQnH41+xcDprAI7QuTmbBVPI6VHuNT7YuLz7Sjhx0+zJwQQkee9C9kZC+laUfaUM/Ov2t9Ryr9eV3SY0ppBPTGZxjoSD5/GlumWkBKEubocOyiexrTa7fpsCx+3IJ5iAnOI2A1IBRnDfuimt6Ost+GoYJR1HNFcC0OR+tTgBHSRjPemC+R1C4BLYxlGCM1254cvHQ8W7RFw/XKZsqozT/hr8YkHPlisZ0q4NaigPvNguLcCCsftisrD1wYyXWW+ohA6s0qsUSVfL2L9cWQ21H2aax3PrihixvLYUzXO4aKMElYBIWQQNxXz2hX3Kzz0Ry8opUVdwNsVp6h+7P51PvYXi9E011mLHdnTX0pQ0grWtxXShAG5UTnbAFc8fpHeeSya/05deDfCMOvx90zrw06EtukZ6m0DuobefrSnnr577vxQuUnhFwimPtWCO6pq43Bg9KpywcKSkjsj+dUQ4p8SIsJ5dktpWuU2ru2r3UZ8ifP5VvOC9B18bjHZHKjXWwFn8+TfYsiKD7qFLu9dZF7fn3ZtSHFLKWmsg+GnyG1bXXHlR/HcQfsZWrPanC/T2ZLq5CkpJG7i8dj8KH5kxd0SpiMgpaSPeUo9zWMZv6RtuezsE+VfaRLYRy+ybrs6Z6whgqKM5UtdaHko8MNgDHwFYS5jbbpYjo+zsok7V8bfbdHWk+eE5pUAQNrwvBf2kNziOPJKGgTttip5+iauFxsXONabW42Ut3GI80sHbIxkVCzSXnH1IZRkjbIFS7yN3b+yPNjoyfKCi69cwwEp9FjH5U0t4nlgZJX9HS5x1sNzcXHxyC7XaSugitKhvkpKdkgqztWOp0mSnrSsYx2TsPlSCew5am0yVDPUP2PKme56rEcp6JAKAdgT2NYA+OQO6/92voINBYtj9hkZSA54alncJGMfOmHX+sNO8LdPPvJkIDhbPiOOKHUVfAncChLjHzJ2vQkaS21MaU+2gmQ+8vDUb06sbqPwFc8eaPm41rxMmvNwtQSjEGQekhsHfGQkbgH406xuJs3JBvoJPkstWx0RO+1KvMZz2Q7bLkwrJMRIk46UpDmR88j09Ox86pbxK4mXvXN7dv18mrlSFOEpU7slHyT2H4fnTTKuDlwlKDUlTjq1dj3z8aa5saU1JKzlRGxOK0Sjj69JvtHayjK5q1fJBPSRzWZlwe8YYcKjv0082K5JtYatckjpKshZ3waQNOOhfSy2oq7Zz2pNOUWZKcn3kndRBAz/KmrIpXsJ1tV8SNjd57Uiz9UxUxsKXlfRjIOBTJ7UbhKStI6jjcihSfdJE1wNZUMADGaeLYmXCjJluoWnGMe73qFsD3AlqL/AHAcdI0tFwR4nsygSjpwR0DvT8245FSma0U4UAlQHYUFsu+KlmelY3O4FFcC4tTLQW0qCShYUc+dcgEjakY4lPTUkyEKZz+xk1p9od9D+daoSnm1npQB0pHUo/tVs9ua/dH8q6HQUinriHqhWmNLTbxDQFKZaHQlJACSo42qu+tNRwpCBJtLhUXk9TyiB1Bfnn8aKeMc3VVi0sLde7kXHX5CUgpOxAzkfxqJX3m+o+0HAUv6wJT3FfTn6k5aeQCuzwevxpZz6erNj3KfKdUoVPi9S3HVFScvIbHcelJL++WraPZYhbJR7rYGCn5+tPVr6vZeoQlx2wPq+pO6z5U62XR36bl9ctKghO5UR9pXpWW1vSFjIzhjW+0D/tWeTKsgiJJULOT1reKXnDnPveVLoM5Up0NMkgJ2TjtRrqHg27qHUa2LE14SAfrnFH3R/nX3XHCo6AscFyMgqclKwtz0qCf0ZfxzX2J2/wBNnlCsyTZnANPZSCzMNpcbhwmw9JdOEpHqasFy3cKGtK8TdOaluP10xu6suLdzjo3zgelR9y88OBLuqbk8woqQr7RG+as/w900lrWVrXJWE4lNklw9PTgjzNZ76n9Qvswugh9rNaV/9PYZsT2zPGz5XQDWMxf6GjFCghTzQKUtjvkbVBnGPitp/hRY5V+1NcUtAMqLLS1gFS8bYz8aw5tucvhpwasUV2TdX5T7EceFEit7uLA2AV2x8RXMbmG5jOJfM9rhy46lnLjW9Kz7LbGVHoZR5AnzV6ms9xuCltShzh0r5lvUjKVbhGduUh8dONyL9bFzLzem5jri1OItrKupDZUftOHzV8PLFVx1FcLreFF5ZIStR6EKO+P/AGp3nsssxxAjrISndwp758hX3UEJuz2lydJAbc8IeGkeRIq8VKYrjTR+FmeSyklx/vPhJtDaeaQsyd1rSkkudI6R60iuCmlyCOnI8U/P4Y9T8KcdLXldo0k1BYbLkqY4fDHSSpSlHGABuaKItqb4PvsS7uxGlajkN9YiPoC0W5s75UO3ienpVowWGsZefQBDR5Px/wAfdIrdmKFntPaR27h7btHWlvUnEe3OrXKSVW2yNqKXH9tnHAndKe22RTrJtn9u9HXS33CwW6G3Gh+LCahxUt+EsAeYJUrO2SfSmN4cQeIuojcLDEflLAIQ4SEjPmpWe3ltUx8OeHGsUyIjGtGrfGDbPS641IKlOZ9QK3j056Thth1dsPEa1vXlVO5ddGefJV3sHD9TbwfmMqdIIPUlJx2o2bsbFwt/6PkNfsnpIaIx/SrRf6MNFNsofa06yVNpwChA3+J2rcvTthMYw37FDLShgo8AD+QqxVv0bYys5vPe/wAIN3qA8hpU0j2t2zzlW2ao9AGUlVOdheAVJjpcxk9OD5g1O3ETlssuqY6pOmJAhS0ZKG3hlpQ9Nt6iO58MdY6IvLjeorS6y0E4Q/4fU2rP/MNqwn1d+nuZ9N2HOLNx+djwrfisvXtRgb7SpmUGG1JUkKCRgEb5+NY+2MfeX+daIDZbbcLoAAGAfWvvs6PvGs8J1pPyQCv3ELU9z1YwzGuLCRJt7qslIILqFH7R9SKZbdaw1cmJ9xY6kAnJHY+m1L79/vSf+mr+ZrN3+6Mf9P8ArX0P6mj5SiRx2Q5UXGABvEJ6t4lXmX4Kmx4aMdA7AUfWOxeJACW2ikY6Tjy+NBGlv7wv5pqU7N/2Ef8ADWgekq0c1bm7ykuVe4ScQmD2KBa5Ihxmj0Bfvkftn1PrWHF6wp1Dotp5sp6oqwsE+npWyT/fEf4v60v1T/uPI/wmmeeowW8PaieOi0/4UOPkdHdjI+6NOVnhyX9PIu3hJcKlJDaTtkn51KmtZ+juF5OrNaSmmo9vbLpazkuuY91IHn8qbuUH/hlG/wAaKiznn/Wuf+PT/KvgezWY/IGM+AV9JMmMGJbI0d6CgnmD4xXrjLq+Rq6+OlLXV4cCBk9LSP2QB8e9NPD7h/NvEdxbLqGUtp6p0579Wwn7o+8r0FMF4/v8X/rGpO0z/wAHh/5uP61p/o3BU8plmwS/29LMs3cljDpAe0z6l4RHQ02FeXbmmVAls+0NKcb8Nw4OPeQdwM/nUca0m3HV99RZLRCXJAd2QwgqKlfhU28xX6q2/wD2+3/Khfk3/wB57n/hVT/Iel8f/qp1Bm2x7SmK9K6lzd2Ug0rpS6cMvDm3G0ql6peaxabaGusW1B7vuAdl+g3x3on4a8EbdeLqrUXE0XKQ888VFpEVZQ6v0KwMH41IHCj/AIm3r/En+ZqRLT3/AB/qa+gPTHo7FUomjRc0eAfCql7ITyuI3pD1jhafhoWixWdmLFjjpU10Hr6h5HI7USWhq1IaTMENsOLHUfcFIp/95kfOs7f9hNapRjjMOmtDQPskbi6QAuKKoMuI8x9YB8sVolW5SypbLRX6YpDa/wBS78xT43/c0fP/AN6au02MuUGtv0hK8ybbY4T16v8AM9jgsJy+8tO+24CPvKJ7D/Ooc4tcV77edNvXC4MOxYNxd9ns9tHu9DA7uuefUfIn8O1HXNd/2Lp7/wA4X/8AqNR7xs/3SH/go/8A+ArH/Xk0l3H2ICdNDfCfYdgisNcEAQ8zUJYjudXYqOacfZ1/dT+VNGm/701/g/qaIK+KHt4HX8rWYtPjBX//2Q==
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END:VCARD