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a><a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://email.=
thelender.com/c/eJxUkL1qwzAURp9G2hyufmxJg4ZgMLh0KW2HjrJ0nRhk2ci3mLx9Ie3S9Ru=
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ZOM9ooBQqFfPESpAKlQHTKqe4CrexMNAmdSJPWjmmgO2YsCeslbitfCNcxeaNBhHmODRgQjUYrm=
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J_7YvmvEpyauYclTDgdxwnXPgXBM_u03ijU9vP4EAAD__1SiY7A" target=3D"_blank" rel=
=3D"noopener">Become<span style=3D"color:#e4002b;font-size:14px;">_</span>a=
<span style=3D"color:#e4002b;font-size:14px;">_</span>Partner </a></strong>=
<a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://email.th=
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znJt8YIozl60VkQTitjOBZa6DEm33efL-4Kon8fv_7Wj8eOvt8KhUj87hGFS2CtbKUSJs7OtNZO=
M9ooBQqFfPESpAKlQHTKqe4CrexMNAmdSJPWjmmgO2YsCeslbitfCNcxeaNBhHmODRgQjUYrm-B=
0alQKYZKICsDy7O9E-8HUlcmByeE8z8u_NyaHdat0Czds9lCpYGVy4NWHkiqeTMNBWPNSbjHkJ_=
7YvmvEpyauYclTDgdxwnXPgXBM_u03ijU9vP4EAAD__1SiY7A" target=3D"_blank" rel=3D=
"noopener">|</a><strong><a style=3D"text-decoration: none; color: #FFFFFF;"=
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hUj87hGFS2CtbKUSJs7OtNZOM9ooBQqFfPESpAKlQHTKqe4CrexMNAmdSJPWjmmgO2YsCeslbit=
fCNcxeaNBhHmODRgQjUYrm-B0alQKYZKICsDy7O9E-8HUlcmByeE8z8u_NyaHdat0Czds9lCpYG=
Vy4NWHkiqeTMNBWPNSbjHkJ_7YvmvEpyauYclTDgdxwnXPgXBM_u03ijU9vP4EAAD__1SiY7A" =
target=3D"_blank" rel=3D"noopener">&nbsp;</a><a style=3D"text-decoration: n=
one; color: #FFFFFF;" href=3D"http://email.thelender.com/c/eJxUkL1urDAQRp_G=
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bv_-LNzDta__xu749Nk7tfRXMoqdkBwMQg0GHtR-5ceAijHZAugJBNnpOFqwD58DULrr6Aldbhx=
yIo6HB-6g8yMSFV-L9ku-LnoWXnlLwYHAccwUBTOW5sRVGT5UjxMEyO4BGlzSJbIdyN2U7ZbvzP=
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_w4AAP__yWhhOQ" target=3D"_blank" rel=3D"noopener">Rates</a></strong></span=
>
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;background-color:#fff;color:#000;width:700px" width=3D"700"><tbody><tr><td=
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class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;font-weight:400;text-align:left;vertical-align:top;padding-top=
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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/2-1-Buydown_header.jpg" style=3D"display:block;height:auto;bor=
der:0;width:700px;max-width:100%" width=3D"700" alt=3D"We are here for you,=
 America" title=3D"We are here for you, America"></div></td></tr></table></=
td></tr></tbody></table></td></tr></tbody></table><table class=3D"row row-4=
" align=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0"=20
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0"><tbody><tr><td><table class=3D"row-content stack" align=3D"cen=
ter" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation"=
 style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;width:700px" wid=
th=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;mso-line-height-alt:16.8px;color:#555;line-height:1=
=2E2;font-family:Arial,Helvetica Neue,=
Helvetica,sans-serif"><p style=3D"margi=
n:0;font-size:24px;text-align:center;mso-line-height-alt:28.799999999999997=
px"><strong>Help your customers ease the burden of the higher </strong></p>=
<p style=3D"margin:0;font-size:24px;text-align:center;mso-line-height-alt:2=
8.799999999999997px"><strong>interest rate environment with our&nbsp; </str=
ong></p><p=20
style=3D"margin:0;font-size:24px;text-align:center;mso-line-height-alt:28.7=
99999999999997px"><span style=3D"color:#e4002b;"><strong><span style=3D"fon=
t-size:46px;">2-1 BUYDOWN OPTION</span></strong></span></p></div></div></td=
></tr></table></td></tr></tbody></table></td></tr></tbody></table><table cl=
ass=3D"row row-5" align=3D"center" width=3D"100%" border=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-content stack"=20
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"p=
resentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;background-colo=
r:#fff;border-radius:0;color:#000;width:700px" width=3D"700"><tbody><tr><td=
 class=3D"column column-1" width=3D"16.666666666666668%" style=3D"mso-table=
-lspace:0;mso-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 clas=
s=3D"empty_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"0"=20
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-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 c=
lass=3D"column column-2" width=3D"83.33333333333333%" style=3D"mso-table-ls=
pace:0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align:to=
p;border-top:0;border-right:0;border-bottom:0;border-left:0"><table class=
=3D"text_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"0"=20
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-b=
ottom:10px;padding-left:10px;padding-right:10px;padding-top:15px"><div styl=
e=3D"font-family:sans-serif"><div class style=3D"font-size:14px;mso-line-he=
ight-alt:16.8px;color:#555;line-height:1.2;font-family:Arial,Helvetica Neue=
,Helvetica,sans-serif"><ul style=3D"line-height:1.2;mso-line-height-alt:16.=
8px;font-size:17px"><li style=3D"text-align:left">
<span style=3D"font-size:17px;">Use Seller concessions to temporarily buydo=
wn rate</span></li><li style=3D"text-align:left"><span style=3D"font-size:1=
7px;">1st year reduced interest rate by 2%</span></li><li style=3D"text-ali=
gn:left"><span style=3D"font-size:17px;">2nd year reduced interest rate by =
1%</span></li><li style=3D"text-align:left"><span style=3D"font-size:17px;"=
>3rd and beyond interest rate resets to original qualifying rate</span></li=
><li style=3D"text-align:left">
<span style=3D"font-size:17px;">Loan is qualified off pre buydown rate.&nbs=
p; &nbsp; &nbsp; &nbsp;</span> &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;&nbsp;</li=
></ul></div></div></td></tr></table><table class=3D"text_block block-3" wid=
th=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"prese=
ntation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-wo=
rd"><tr><td class=3D"pad"><div style=3D"font-family:sans-serif"><div class=
=20
style=3D"font-size:14px;mso-line-height-alt:16.8px;color:#555;line-height:1=
=2E2;font-family:Arial,Helvetica Neue,=
Helvetica,sans-serif"><p style=3D"margi=
n:0;font-size:17px;mso-line-height-alt:20.4px"><strong><span style=3D"font-=
size:17px;">Eligible for Conventional Primary and </span></strong></p><p st=
yle=3D"margin:0;font-size:17px;mso-line-height-alt:20.4px"><strong><span st=
yle=3D"font-size:17px;">Second home purchase transactions</span></strong></=
p><ul=20
style=3D"line-height:1.2;mso-line-height-alt:20.4px;font-size:14px"><li><sp=
an style=3D"font-size:17px;">Min FICO 620</span></li><li><span style=3D"fon=
t-size:17px;">Standard Balance and High Balance</span></li><li><span style=
=3D"font-size:17px;">1-4 units eligible (Primary)</span></li><li><span styl=
e=3D"font-size:17px;">SFR, Condo & PUD&nbsp;</span></li></ul></div></div></=
td></tr></table><table class=3D"text_block block-4" width=3D"100%" border=
=3D"0" cellpadding=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:15px;padding-left:10px;padding-rig=
ht:10px;padding-top:10px"><div style=3D"font-family:sans-serif"><div class =
style=3D"font-size:14px;mso-line-height-alt:16.8px;color:#555;line-height:1=
=2E2;font-family:Arial,Helvetica Neue,=
Helvetica,sans-serif"><p style=3D"margi=
n:0;font-size:17px;mso-line-height-alt:20.4px"><strong>Eligible for FHA Own=
er occupied purchase transactions</strong></p><ul=20
style=3D"line-height:1.2;mso-line-height-alt:20.4px;font-size:17px"><li>Min=
 FICO 580 for max ltv up to 96.5%</li><li>Min fico 550 for ltv=E2=80=99s up=
 to 90%</li><li>1-4 Units eligible</li><li>SFR, Condo & PUD&nbsp;</li></ul>=
</div></div></td></tr></table></td></tr></tbody></table></td></tr></tbody><=
/table><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-=
table-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=
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ad"><div style=3D"font-family:sans-serif"><div class=20
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style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8=
px">
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</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=
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