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the Spot | Appraisals | = ;Broker_Reso= urces | Become_a_Partner |&n= bsp;Rates

From Increased LT= V's to

100% Gift Funds being allowed,

theNONI has you cover= ed for all

your DSCR needs.

Improvements

100% Gift Funds - Allowed with 5% of borrow= er own funds =E2=80=9Cverified=E2=80=9D
Living Rent Free - Allowed for Experienced Investors who = currently own a rental property
Current Rent Allowed vs Market Rent with no CAP as long as:
- 2 months document proof of rent received (P= rior to the application)
- Cur= rent Lease has not expired and 12-month term
Foreign Assets - Allowed to remain in Foreign Ba= nk on Exception basis
Foreig= n National - Now only 1 tradeline (Credit/Bank Reference letter) required
Removal of 6 Month Rent Loss Requirement on= insurance requirement.
Incr= eased Rate and Term Refinance LTV=E2=80=99s across the board on both theNON= I and theNearNONI
Now using the highest middle credit score for all borrowers on the l= oan to qualify for credit and pricing.

Other Program Highlights

As little as 0 months reserves (Use property cas= hflow to qualify)
FICOS As L= ow As 620
No LTV Restriction= s on 2-4 units
LTV=E2=80=99s= up to 80% (min 660 fico)
40 Year Fully Amortized Term available
Increased Max loans amounts acro= ss the board (Max $3.5mm)
No= w allowing 1x30x12
Short Ter= m Rental =E2=80=93 only need 1 year experience
Business funds OK with 25% ownership
Going to 80% LTV on R/T Transactions (min 6= 60+)
Going to 75% LTV on Cas= h out Transactions (min 660)

t= heNONI Allows Foreign Nationals

Invest= ment Properties only
75% MAX LTV =E2=80=93 Purchase

65% MAX LTV =E2=80=93 Rate and Term Refi=

65% MAX LTV =E2=80=93 Cash = out Refi
Up to $1,500,000 lo= an amounts
No Income, No Job= , No US Credit Required
Firs= t Time Home Buyers Allowed, First Time Investors Allowed

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- Contact me today for full det= ails -

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Cameron Leclair

(949) 312-5374 | cleclair@thelender.com <= /p>

theLender.com | About Us | P= roducts | Mortgage Partner | Contact

Equal Housing Opportunity NMLS #133519 For current licens= es, visit www.nmlsconsumeraccess.com. Hometown Equity Mortgage, LLC, DBA th= eLender, 25531 Commercentre Dr #250, Lake Forest, CA 92630. Arizona Mortgag= e Banker License No. BK-1018248. All loans must meet Hometown Equity Mortga= ge=E2=80=99s underwriting guidelines. This information is intended for the = exclusive use of licensed real estate and mortgage lending professionals in= accordance with local laws and regulations. Distribution to the general pu= blic is prohibited. Loans made or arranged pursuant to the California Finan= cing Law.

We hope you found the content of this message to be infor= mative. If you'd rather not receive emails like this from us in the future,= you can be removed from our list by clicking here. You're receiving this communication from us b= ecause you've given Hometown Equity Mortgage, LLC d/b/a theLender your emai= l in the past, and we're trying to stay in touch with you. If you prefer to= contact us in writing, please mail any correspondence to 25531 Commercentr= e #250 Lake Forest, CA 92630.