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dding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspa=
ce:0;mso-table-rspace:0"><tr><td class=3D"pad" style=3D"width:100%;padding-=
right:0;padding-left:0"><div class=3D"alignment" align=3D"center"=20
style=3D"line-height:10px"><img class=3D"big" src=3D"https://d15k2d11r6t6rl=
=2Ecloudfront.net/public/users/Integrat=
ors/3fd3a448-3d02-49a4-af26-a82213fec6=
7e/thelender/Condo_1.jpg" style=3D"display:block;height:auto;border:0;width=
:700px;max-width:100%" width=3D"700" alt=3D"We are here for you, America" t=
itle=3D"We are here for you, America"></div></td></tr></table></td></tr></t=
body></table></td></tr></tbody></table><table class=3D"row row-4" align=3D"=
center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=20
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbod=
y><tr><td><table class=3D"row-content stack" align=3D"center" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0;color:#000;width:700px" width=3D"700"><tbody>=
<tr><td class=3D"column column-1" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;background-color:#fff;vertical-align:top;padding-top:0;padding-bottom:0=
;border-top:0;border-right:0;border-bottom:0;border-left:0"><table class=3D=
"text_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspa=
cing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspa=
ce:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D"font-family=
:sans-serif"><div class=20
style=3D"font-size:14px;font-family:Arial,Helvetica Neue,Helvetica,sans-ser=
if;mso-line-height-alt:16.8px;color:#555;line-height:1.2"><p style=3D"margi=
n:0;font-size:24px;text-align:center;mso-line-height-alt:28.799999999999997=
px"><span style=3D"color:#e4002b;"><strong><span style=3D"font-size:46px;">=
Did You Know... </span></strong></span></p><p style=3D"margin:0;font-size:2=
4px;text-align:center;mso-line-height-alt:28.799999999999997px"><strong>the=
Lender allows for Non-Warrantable condos</strong></p><p=20
style=3D"margin:0;font-size:24px;text-align:center;mso-line-height-alt:28.7=
99999999999997px"><strong>on our NONI and NonQM Products.&nbsp;</strong></p=
></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbody>=
</table><table class=3D"row row-5" align=3D"center" width=3D"100%" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"m=
so-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-co=
ntent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0"=20
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;backgr=
ound-color:#fff;color:#000;border-radius:0;width:700px" width=3D"700"><tbod=
y><tr><td class=3D"column column-1" width=3D"25%" style=3D"mso-table-lspace=
:0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;bo=
rder-top:0;border-right:0;border-bottom:0;border-left:0"><table class=3D"em=
pty_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacin=
g=3D"0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" style=
=3D"padding-right:0;padding-bottom:5px;padding-left:0;padding-top:5px"><div=
></div></td></tr></table></td><td class=3D"column column-2" width=3D"75%" s=
tyle=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:le=
ft;vertical-align:top;border-top:0;border-right:0;border-bottom:0;border-le=
ft:0"><table class=3D"text_block block-2" width=3D"100%" border=3D"0" cellp=
adding=3D"0" cellspacing=3D"0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><=
td class=3D"pad" style=3D"padding-bottom:10px;padding-left:5px;padding-righ=
t:5px;padding-top:10px"><div style=3D"font-family:sans-serif"><div class st=
yle=3D"font-size:14px;font-family:Arial,Helvetica Neue,Helvetica,sans-serif=
;mso-line-height-alt:16.8px;color:#555;line-height:1.2"><ul style=3D"line-h=
eight:1.2;mso-line-height-alt:16.8px;font-size:18px"><li>Up to 20% delinque=
ncy on HOA</li><li>Minimum budget 5% minimum HOA Reserves</li>
<li>Investor Concentration Up to 60% (may be higher)</li><li>Litigation may=
 be acceptable case-by case</li><li>Single entity ownership up to 25%&nbsp;=
 &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</li></ul></d=
iv></div></td></tr></table></td></tr></tbody></table></td></tr></tbody></ta=
ble><table class=3D"row row-6" align=3D"center" width=3D"100%" border=3D"0"=
 cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tab=
le-lspace:0;mso-table-rspace:0"><tbody><tr><td><table=20
class=3D"row-content stack" align=3D"center" border=3D"0" cellpadding=3D"0"=
 cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;color:#000;width:700px" width=3D"700"><tbody><tr><td class=3D"=
column column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspac=
e:0;font-weight:400;text-align:left;background-color:#fff;vertical-align:to=
p;padding-top:0;padding-bottom:0;border-top:0;border-right:0;border-bottom:=
0;border-left:0"><table class=3D"divider_block block-1" width=3D"100%"=20
border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" sty=
le=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div cla=
ss=3D"alignment" align=3D"center"><table border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" width=3D"95%" style=3D"mso-table-lspac=
e:0;mso-table-rspace:0"><tr><td class=3D"divider_inner" style=3D"font-size:=
1px;line-height:1px;border-top:2px solid #e4002b"><span>&#8202;</span></td>=
</tr></table></div></td></tr></table><table class=3D"text_block block-2"=20
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-=
word"><tr><td class=3D"pad" style=3D"padding-bottom:20px;padding-left:10px;=
padding-right:10px;padding-top:10px"><div style=3D"font-family:sans-serif">=
<div class style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;f=
ont-size:12px;mso-line-height-alt:14.399999999999999px;color:#555;line-heig=
ht:1.2"><p=20
style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8=
px"><span style=3D"font-size:18px;"><strong>Cameron Leclair</strong></span>=
</p><p style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-a=
lt:16.8px"><strong>(949) 312-5374</strong>&nbsp;|&nbsp;<span style=3D"color=
:#000080;font-size:14px;"><strong>cleclair@thelender.com&nbsp;</strong></sp=
an></p></div></div></td></tr></table></td></tr></tbody></table></td></tr></=
tbody></table><table=20
class=3D"row row-7" align=3D"center" width=3D"100%" border=3D"0" cellpaddin=
g=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0=
;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content stack" alig=
n=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"prese=
ntation" style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;width:70=
0px" width=3D"700"><tbody><tr><td class=3D"column column-1" width=3D"100%"=
=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;vertical-align:top;padding-top:0;padding-bottom:0;border-top:0;border-r=
ight:0;border-bottom:0;border-left:0"><table class=3D"image_block block-1" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D=
"pad" style=3D"width:100%;padding-right:0;padding-left:0"><div class=3D"ali=
gnment" align=3D"center" style=3D"line-height:10px"><img class=3D"big"=20
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0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"mso-=
table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><td class=3D"p=
ad"><div style=3D"font-family:sans-serif"><div class=20
style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12=
px;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p =
style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8=
px">
<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://ema=
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eqGklq7XSl6glJwGY0BF62wcmBZ0x4prxnZJ28JnwmXKIYK0IIzvhoK-0xBj5-Mgutxr0INDEbP=
mNdyJ9oP1V6ZGpsbzPC8_3pgaGxAe3d62_Eh0MDXyFmDNDU-mxUHY6rx-JKgv-LE9WsKXJC4w11=
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fS9YxB_kG-wczbByZp0n7FdzinROOcdJpjlNbZPlhhJceVZnqOJd7sv1_hKuTtz_j2vf597hhv2=
0qQiT8iGKFtNmHySgpp-oxaTTgZWRR6ZxyfoxKqF0pq6Xqt5AWmqWRvDKhknU2eaUEPrLgWbJe8=
LXwmXMYSE0gLwoTOTxg6DSl1IXnRlV6D9g5FKprX-CDaD9ZfmRqYGs7zvPx4Y2pYtkZ3uGO3Q6M=
VG1MDbxHW0vBkWhyErc7rPUN94Y_to2V8aeICc00VDuKEy16BcCzx91eUoP-H988AAAD__7IyZG=
Y" target=3D"_blank" rel=3D"noopener">Mortgage Partner</a>&nbsp;| <a style=
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nder.com/c/eJxUkD1r8zAUhX-NtDlcyfqwBg0hYPC7vbSltJuke90YZMfYt5j8-0LSpesZzjnP=
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qtaOlAnKKGnQLWhnlW6PVKY0jls7apLPzLnfCAF-p0oK0ncptlhPTPGDMSbkENjTdSKExKecm5A=
4abE0ynSfIaGSNV-Z1F-1Z6F7o_jiO0582ofvyPNtooXu5xbTgRocwsDNtdVq-SqqP3f32vRV68=
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er">Contact</a>
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-8" align=3D"center" width=3D"100%" borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"=
mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-c=
ontent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0=
;color:#333;width:700px" width=3D"700"><tbody><tr><td class=3D"column colum=
n-1"=20
width=3D"25%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:40=
0;text-align:left;vertical-align:top;border-top:0;border-right:0;border-bot=
tom:0;border-left:0"><table class=3D"image_block block-2" width=3D"100%" bo=
rder=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=
=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" style=3D"w=
idth:100%;padding-right:0;padding-left:0"><div class=3D"alignment" align=3D=
"center" style=3D"line-height:10px"><img=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/public/users/Integrators/3fd3a=
448-3d02-49a4-af26-a82213fec67e/ADMIN/editor_images/Equal_Housing_Opportuni=
ty.png" style=3D"display:block;height:auto;border:0;width:65px;max-width:10=
0%" width=3D"65" alt=3D"Image" title=3D"Image"></div></td></tr></table></td=
><td class=3D"column column-2" width=3D"75%" style=3D"mso-table-lspace:0;ms=
o-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;border-=
top:0;border-right:0;border-bottom:0;border-left:0"><table=20
class=3D"html_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0"><tr><td class=3D"pad"><div style=3D"font-family:Arial,Helvetic=
a Neue,Helvetica,sans-serif;text-align:center" align=3D"center"><div style=
=3D"font-size: 12px; line-height: 14px; font-family: Arial, 'Helvetica Neue=
', Helvetica, sans-serif; color: #555555; text-align: left;">
  <p style=3D"font-size: 14px; line-height: 14px; margin: 0;"><span style=
=3D"font-size: 12px;">Equal Housing Opportunity NMLS #133519 For current li=
censes, visit www.nmlsconsumeraccess.com. Hometown Equity Mortgage, LLC, DB=
A theLender, 25531 Commercentre Dr #250, Lake Forest, CA 92630. Arizona Mor=
tgage Banker License No. BK-1018248. All loans must meet Hometown Equity Mo=
rtgage=E2=80=99s underwriting guidelines. This information is intended for =
the exclusive use of licensed real estate and mortgage lending professional=
s in accordance with local laws and regulations. Distribution to the genera=
l public is prohibited. Loans made or arranged pursuant to the California F=
inancing Law. </span></p>
</div><br />

<div style=3D"font-size: 11px; line-height: 14px; font-family: Arial; color=
: #555555; text-align: left;">
  <p style=3D"font-size: 12px; line-height: 14px; margin: 0;"><span style=
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48XR52N9OlYxDQI_IJ6OfRYwHDHIfE93rnXzTsUb9raP1tDfvO7Ke3qcBx1v-s5x6bwmjnyEglA=
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wtO28Fwp3cqzr8sIlJE1e8AAAD__0q50Q4" target=3D"_blank" style=3D"background-c=
olor: rgb(255, 255, 255);">here</a>. You're receiving this communication fr=
om us because you've given Hometown Equity Mortgage, LLC d/b/a theLender yo=
ur email in the past, and we're trying to stay in touch with you. If you pr=
efer to contact us in writing, please mail any correspondence to 25531 Comm=
ercentre #250 Lake Forest, CA 92630.</span></p>
</div></div></td></tr></table></td></tr></tbody></table></td></tr></tbody><=
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