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charset="us-ascii" Content-Transfer-Encoding: quoted-printable Changes Effective 7/19/22 All, As I am sure you are aware, there has been, and continues t= o be, a lot movement in the Non-QM segment of our industry. All of our comp= etitors have significantly tightened their credit boxes and contracted thei= r loan parameters, while others have chosen to exit the space altogether. I= n light of this, we have found it necessary to sharpen our pencils and make= adjustments to our entire Non-QHEM and NONI product lines. In doing so, we= also found opportunities for enhancements and have incorporated those chan= ges as well. It is important to note that the Non-QM landscape continues to= shift and further adjustments may be necessary. In order to provide your customers a level of protection, a= ny loans currently in the pipeline, where you wish to use the current guide= lines, must be locked by 12:00PM PST Tuesday 7/19 and funded by Friday 8/19= . Make sure you scrub your pipe and lock your loans accordingly as we will = not be granting any exceptions to these dates. The lock desk has been alert= ed to the potential increase in requests and are preparing to take on the a= dditional volume, The updates we made are quite pervasive and too numerous to= list therefore I have taken the liberty summarizing several of the signifi= cant changes below. The updated grids are attached for your review. Please = take some time to familiarize yourself with the new guidelines and review y= our pipelines for any impact they may have. Please contact your manager if = you have any questions. Team, theLender is allowing locks to theNONI WITHOUT appraisal if you have = any loans in the pipeline that will be effected by the below changes. We must Lock prior to 07/19 and they MUST fund no later than 08/19. Please call me to discuss. TY Change Highlights NONI * New FICO buckets and LTV allowances * Min loan amount increased to $150k * Max cash out parameters updated * Rural properties no longer eligible * Max acreage reduced to 2 * Min FICO increased to 620 for NONI * Min FICO increased to 660 for NearNONI * Min DSCR increased to 0.75 NONI65 * Max loan amount now $2M * Max cash out is $1M * Rural properties no longer eligible * Max acreage reduced to 2 NONI58 * Minimum loan amount increased to $400K Foreign Nationals * Min DSCR increased to 0.75 NQHEM-Plus * New product for good credit borrowers * Consolidated program matrix - all doc types * 90% to $1M * Numerous LTV adjustment NQHEM * New product for borrower with credit issues * Consolidated program matrix - all doc types * 0x60x12 and 0x90x12 options added * Housing event restrictions updated * State restrictions updated * Numerous LTV adjustment As stated above, please review your pipelines and for any not meeting the n= ew guidelines and lock accordingly. If you like to take advantage of any ne= w guideline for your pipeline loans, they are all eligible. Kristopher Gomez Chief Credit Officer P: 949.774.2242 E: kgomez@theLender.com A: 25531 Commercentre Dr #250 Lake Forest CA 92630 [cid:image001.jpg@01D8969A.D863AA90] Hometown Equity Mortgage, LLC (NMLS #133519) and its affiliates. Equal Hous= ing Lender. For mortgage professionals only. This message is intended only = for the designated recipient(s) named above and may contain confidential in= formation. If you are not the intended recipient, you may not read, copy, d= istribute or use any information contained in this message. Please advise t= he sender immediately by reply e-mail or by calling Hometown Equity Mortgag= e, LLC at (833) 381-8733 and delete this message and any attachments. In ad= dition, the recipient should check this email and any attachments for the p= resence of viruses. The sender accepts no liability for any damage caused b= y any virus transmitted by this email. Hometown Equity Mortgage, LLC (NMLS #133519) and its affiliates. Equal Hous= ing Lender. For mortgage professionals only. This message is intended only = for the designated recipient(s) named above and may contain confidential in= formation. If you are not the intended recipient, you may not read, copy, d= istribute or use any information contained in this message. Please advise t= he sender immediately by reply e-mail or by calling Hometown Equity Mortgag= e, LLC at (833) 381-8733 and delete this message and any attachments. In ad= dition, the recipient should check this email and any attachments for the p= resence of viruses. The sender accepts no liability for any damage caused b= y any virus transmitted by this email. --_000_SA1P222MB02299BA0DCA5EE2EDA7FC289C7889SA1P222MB0229NAMP_ Content-Type: text/html; charset="us-ascii" Content-Transfer-Encoding: quoted-printable

 

Changes Effective 7/19/22

 

All,

        &nbs= p;       As I am sure you are aware, there ha= s been, and continues to be, a lot movement in the Non-QM segment of our in= dustry. All of our competitors have significantly tightened their credit bo= xes and contracted their loan parameters, while others have chosen to exit the space altogether. In light of this, w= e have found it necessary to sharpen our pencils and make adjustments to ou= r entire Non-QHEM and NONI product lines. In doing so, we also found opport= unities for enhancements and have incorporated those changes as well. It is important to note that the Non-Q= M landscape continues to shift and further adjustments may be necessary.

        &nbs= p;       In order to provide your customers a= level of protection, any loans currently in the pipeline, where you wish t= o use the current guidelines, must be locked by 12:00PM PST Tuesday 7/19 an= d funded by Friday 8/19. Make sure you scrub your pipe and lock your loans accordingly as we will not be gran= ting any exceptions to these dates. The lock desk has been alerted to the p= otential increase in requests and are preparing to take on the additional v= olume,

        &nbs= p;       The updates we made are quite pervas= ive and too numerous to list therefore I have taken the liberty summarizing= several of the significant changes below. The updated grids are attached f= or your review. Please take some time to familiarize yourself with the new guidelines and review your pipelines = for any impact they may have. Please contact your manager if you have any q= uestions.

 

Team, theLender is allowing locks to theNONI WITHOUT appraisal if you= have any loans in the pipeline that will be effected by the below changes.=

We must Lock prior to 07/19 and they MUST fund no later than 08/19.

 

 

Please call me to discuss.

 

TY

 

Change Highlights

NONI

  • New FICO buckets and LTV allowances
  • Min loan amo= unt increased to $150k
  • Max cash out parameters update= d
  • Rural properties no longer eligible
    • <= li class=3D"MsoListParagraph" style=3D"margin-left:0in;mso-list:l2 level1 l= fo1">Max acreage reduced to 2
  • Min FICO increased to 62= 0 for NONI
  • Min FICO increased to 660 for NearNONI=
  • Min DSCR increased to 0.75

 

NONI65

  • Max loan amount now $2M
  • Max cash out is $1M=
  • Rural properties no longer eligible
  • M= ax acreage reduced to 2

 

NONI58

  • Minimum loan amount increased to $400K

 

Foreign Nationals

  • Min DSCR increased to 0.75

 

NQHEM-Plus

  • New product for good credit borrowers
  • Consolidat= ed program matrix – all doc types
  • 90% to $1M
  • Numerous LTV adjustment

 

NQHEM

  • New product for borrower with credit issues
  • 0x60x12 and 0x90x12 options added
  • Housing event re= strictions updated
  • State restrictions updated<= /o:p>
  • Numerous LTV adjustment

 

As stated above, please review your pipelines and fo= r any not meeting the new guidelines and lock accordingly. If you like to t= ake advantage of any new guideline for your pipeline loans, they are all el= igible.

 

 

 

Kristopher Gomez

Chief = Credit Officer

P: 949.774.2242

E: kgomez@theLender.com

A: 25531 Commercentre Dr #250  

     Lake Forest CA 92630

 

 

Hometown Equity Mortgage, LLC (NMLS #133519) and its= affiliates. Equal Housing Lender. For mortgage professionals only. This me= ssage is intended only for the designated recipient(s) named above and may = contain confidential information. If you are not the intended recipient, you may not read, copy, distribute = or use any information contained in this message. Please advise the sender = immediately by reply e-mail or by calling Hometown Equity Mortgage, LLC at = (833) 381-8733 and delete this message and any attachments. In addition, the recipient should check this email an= d any attachments for the presence of viruses. The sender accepts no liabil= ity for any damage caused by any virus transmitted by this email.

Hometown Equity Mortgage, LLC (NMLS #133519) and its affiliates. Equal Hous= ing Lender. For mortgage professionals only. This message is intended only = for the designated recipient(s) named above and may contain confidential in= formation. If you are not the intended recipient, you may not read, copy, distribute or use any information conta= ined in this message. Please advise the sender immediately by reply e-mail = or by calling Hometown Equity Mortgage, LLC at (833) 381-8733 and delete th= is message and any attachments. In addition, the recipient should check this email and any attachments for= the presence of viruses. The sender accepts no liability for any damage ca= used by any virus transmitted by this email. --_000_SA1P222MB02299BA0DCA5EE2EDA7FC289C7889SA1P222MB0229NAMP_-- --_004_SA1P222MB02299BA0DCA5EE2EDA7FC289C7889SA1P222MB0229NAMP_ Content-Type: image/jpeg; name="image001.jpg" Content-Description: image001.jpg Content-Disposition: inline; filename="image001.jpg"; size=6174; creation-date="Wed, 13 Jul 2022 17:36:51 GMT"; modification-date="Thu, 14 Jul 2022 16:59:14 GMT" Content-ID: Content-Transfer-Encoding: base64 /9j/4AAQSkZJRgABAQEAYABgAAD/2wBDAAoHBwgHBgoICAgLCgoLDhgQDg0NDh0VFhEYIx8lJCIf IiEmKzcvJik0KSEiMEExNDk7Pj4+JS5ESUM8SDc9Pjv/2wBDAQoLCw4NDhwQEBw7KCIoOzs7Ozs7 Ozs7Ozs7Ozs7Ozs7Ozs7Ozs7Ozs7Ozs7Ozs7Ozs7Ozs7Ozs7Ozs7Ozs7Ozv/wAARCABNARADASIA AhEBAxEB/8QAHwAAAQUBAQEBAQEAAAAAAAAAAAECAwQFBgcICQoL/8QAtRAAAgEDAwIEAwUFBAQA AAF9AQIDAAQRBRIhMUEGE1FhByJxFDKBkaEII0KxwRVS0fAkM2JyggkKFhcYGRolJicoKSo0NTY3 ODk6Q0RFRkdISUpTVFVWV1hZWmNkZWZnaGlqc3R1dnd4eXqDhIWGh4iJipKTlJWWl5iZmqKjpKWm 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