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<span style=3D"color:#ffffff;font-size:14px;"><strong><a style=3D"text-deco=
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H558Y8K97__8dAAD__6a2YAg" target=3D"_blank" rel=3D"noopener">the Spot </a><=
/strong><a style=3D"text-decoration:none;color:#ffffff;" href=3D"http://ema=
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nbsp;</a><a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http:/=
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f1MmB_gcvvaEz8EecE5jxlLlZWXLWPlgeLzTw74N7z__w4AAP__TD9h7A" target=3D"_blank=
" rel=3D"noopener">Appraisals </a></strong><a style=3D"text-decoration:none=
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9vAnrcth3ngrkI6OUecaWdD2FVqbznef1MmB_gcvvaEz8EecE5jxlLlZWXLWPlgeLzTw74N7z__=
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lLlZWXLWPlgeLzTw74N7z__w4AAP__TD9h7A" target=3D"_blank" rel=3D"noopener">&n=
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cCbZElIRIhRtBxWM7C2fPQhQwsAgjTRaHQq4mGTKBdAFZyPTgs5Ycc3YDumy8JlwmbIfMOdoiu4=
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8p1Pvvo3XnwyXMNdawESdcrjUQTtm_PmzA0_T5_BsAAP__Cf1hsA" target=3D"_blank" rel=
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esources </a></strong><a style=3D"text-decoration: none; color: #FFFFFF;" h=
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WHPDnWmxEbY6r98p1Pvvo3XnwyXMNdawESdcrjUQTtm_PmzA0_T5_BsAAP__Cf1hsA" target=
=3D"_blank" rel=3D"noopener"><span style=3D"color:#ffffff;font-size:14px;">=
|</span></a><strong><a style=3D"text-decoration: none; color: #FFFFFF;" hre=
f=3D"http://email.thelender.com/c/eJxUkL1qwzAUhZ9G2hykK1mSBw0h1MXdSltKR_1cN=
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wmbIfMOdoiu4G1-tOB2m76CB3GXRSUisjsuLVn4muG1NHBiODcd_3w781BmPD7fLTEm4MRt58WH=
PDnWmxEbY6r98p1Pvvo3XnwyXMNdawESdcrjUQTtm_PmzA0_T5_BsAAP__Cf1hsA" target=3D=
"_blank" rel=3D"noopener">&nbsp;</a><a style=3D"text-decoration: none; colo=
r: #FFFFFF;" href=3D"http://email.thelender.com/c/eJxUkL1qwzAURp_G2hyka0mWB=
g0h1MXdSltKR_1cJQb5B_kWk7cvpF26fsN3OCc51feilwyd0MZwpSTvGC400X1M7qI_XuyZi8vb=
-PW3vt83dJd1IR-J3RyASjp422PO2gSlpM8AqIQVYAVmNjng0HENVmihZXfKYEIUMWVA400fGsn=
phgWXhPUU15lNhPOYnMWUgs6ytUbJVnrRt8FAahPI2AnZaZ46VtyNaNub7tzA0MBwHMfp31sDw7=
xWuvortpuvtGBtYGDV-SVVPBrJd8JapuUafXng9_W7Rnxo4uynEorfiRHOW_GEY3Kvv1Hgafx8_=
gkAAP__8ItkfA" target=3D"_blank" rel=3D"noopener">Become<span style=3D"colo=
r:#e4002b;font-size:14px;">_</span>a<span style=3D"color:#e4002b;font-size:=
14px;">_</span>Partner </a></strong><a style=3D"text-decoration: none; colo=
r: #FFFFFF;" href=3D"http://email.thelender.com/c/eJxUkL1qwzAURp_G2hyka0mWB=
g0h1MXdSltKR_1cJQb5B_kWk7cvpF26fsN3OCc51feilwyd0MZwpSTvGC400X1M7qI_XuyZi8vb=
-PW3vt83dJd1IR-J3RyASjp422PO2gSlpM8AqIQVYAVmNjng0HENVmihZXfKYEIUMWVA400fGsn=
phgWXhPUU15lNhPOYnMWUgs6ytUbJVnrRt8FAahPI2AnZaZ46VtyNaNub7tzA0MBwHMfp31sDw7=
xWuvortpuvtGBtYGDV-SVVPBrJd8JapuUafXng9_W7Rnxo4uynEorfiRHOW_GEY3Kvv1Hgafx8_=
gkAAP__8ItkfA" target=3D"_blank" rel=3D"noopener">|</a><strong><a style=3D"=
text-decoration: none; color: #FFFFFF;" href=3D"http://email.thelender.com/=
c/eJxUkL1qwzAURp_G2hyka0mWBg0h1MXdSltKR_1cJQb5B_kWk7cvpF26fsN3OCc51feilwyd0=
MZwpSTvGC400X1M7qI_XuyZi8vb-PW3vt83dJd1IR-J3RyASjp422PO2gSlpM8AqIQVYAVmNjng=
0HENVmihZXfKYEIUMWVA400fGsnphgWXhPUU15lNhPOYnMWUgs6ytUbJVnrRt8FAahPI2AnZaZ4=
6VtyNaNub7tzA0MBwHMfp31sDw7xWuvortpuvtGBtYGDV-SVVPBrJd8JapuUafXng9_W7Rnxo4u=
ynEorfiRHOW_GEY3Kvv1Hgafx8_gkAAP__8ItkfA" target=3D"_blank" rel=3D"noopener=
">&nbsp;</a><a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"htt=
p://email.thelender.com/c/eJxUkL1q7DAQRp9G6rxIox9LhYplub44XUhCSClrxrFB9i72B=
LNvH9ikSfsV3-EcTK5tdWslJe1DUM5ZZSStPPO9x3Txb0_xrPTlpf_4XV_vN0qX68q5sJzSEF3O=
5DBCHFVQOYAJAawHbU0cHcg5gQKjPETttbfmNEIYii44AoUc2kFYxRNVWpG2U7kucmZaekyREAc=
_2iYGZxubddsMAbBBsMVoa7xCI2uamG-7MGcBnYDuOI7TnzcB3ZaZ9omIdwGd3FJecaNDWLUzbX=
VeP0uuD_B-_doKPQRpyXMdat5ZMi23mpl6TM8_OeBf__7_OwAA___ovWF1" target=3D"_blan=
k" rel=3D"noopener">Rates</a></strong></span>
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-3" align=3D"center" width=3D"100%" borde=
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ontent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
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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=
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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
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ors/3fd3a448-3d02-49a4-af26-a82213fec6=
7e/ADMIN/editor_images/fdqtl.jpg" style=3D"display:block;height:auto;border=
:0;width:700px;max-width:100%" width=3D"700" alt=3D"We are here for you, Am=
erica" 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" a=
lign=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"0" cellspac=
ing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspac=
e:0;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-bottom:10=
px;padding-left:20px;padding-right:20px;padding-top:15px"><div=20
style=3D"font-family:sans-serif"><div class=3D"txtTinyMce-wrapper" style=3D=
"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12px;mso-l=
ine-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p style=3D=
"margin:0;text-align:center"><span style=3D"color:#e4002b;"><strong><span s=
tyle=3D"font-size:34px;">FULL DOC QUALIFIER</span></strong></span></p><p st=
yle=3D"margin:0;text-align:center">
<span style=3D"color:#000000;font-size:20px;"><strong><span style>For those=
 who file income the traditional way</span></strong></span></p><p style=3D"=
margin:0;text-align:center"><span style=3D"color:#000000;font-size:20px;"><=
strong><span style>&nbsp;looking to expand their loan qualifications</span>=
</strong></span></p></div></div></td></tr></table><table class=3D"text_bloc=
k block-2" 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:10px;padding-left:20px;padding-rig=
ht:20px"><div style=3D"font-family:sans-serif"><div class=3D"txtTinyMce-wra=
pper" style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-s=
ize:12px;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.=
2"><ul style=3D"line-height:1.2;mso-line-height-alt:14.399999999999999px;fo=
nt-size:18px"><li>
<span style=3D"font-size:18px;">DTI up to 55%</span></li><li><span style=3D=
"font-size:18px;">Credit scores down to 600</span></li><li><span style=3D"f=
ont-size:18px;">Recent credit events allowed</span></li><li><span style=3D"=
font-size:18px;">All occupancy types allowed</span></li><li>7/6 and 10/6 AR=
M, 30, and 40 yr with I/O not fixed</li><li><span style=3D"font-size:18px;"=
>Multiple financed properties allowed</span></li><li>Max LTV (purchase only=
)<ul=20
style=3D"line-height:1.2;mso-line-height-alt:21.599999999999998px;font-size=
:18px"><li>Up to 90% on Non QHEM Plus</li><li>Up to 85% on standard Non QHE=
M</li></ul></li><li><span style=3D"font-size:18px;">Non-Warrantable Condos =
allowed</span></li><li><span style=3D"font-size:18px;">Loan amounts up to $=
4MM</span></li></ul></div></div></td></tr></table></td></tr></tbody></table=
></td></tr></tbody></table><table class=3D"row row-5" align=3D"center" widt=
h=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=
"divider_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10" cell=
spacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-r=
space:0"><tr><td class=3D"pad"><div class=3D"alignment" align=3D"center"><t=
able border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation"=
=20
width=3D"95%" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=
=3D"divider_inner" style=3D"font-size:1px;line-height:1px;border-top:2px so=
lid #e4002b"><span>&#8202;</span></td></tr></table></div></td></tr></table>=
<table class=3D"text_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-table-rspace:0;word-break:break-word"><tr><td class=3D"pad" style=3D"pa=
dding-bottom:20px;padding-left:10px;padding-right:10px;padding-top:10px">
<div style=3D"font-family:sans-serif"><div class=3D"txtTinyMce-wrapper" sty=
le=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12px;=
mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p sty=
le=3D"margin:0;font-size:14px;text-align:center"><span style=3D"font-size:1=
8px;"><strong>Cameron Leclair</strong></span></p><p style=3D"margin:0;font-=
size:14px;text-align:center">
<strong>(949) 312-5374</strong>&nbsp;|&nbsp;<span style=3D"color:#000080;fo=
nt-size:14px;"><strong>cleclair@thelender.com&nbsp;</strong></span></p></di=
v></div></td></tr></table></td></tr></tbody></table></td></tr></tbody></tab=
le><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-tabl=
e-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content s=
tack" align=3D"center" border=3D"0" cellpadding=3D"0"=20
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;color:#000;width:700px" width=3D"700"><tbody><tr><td class=3D"c=
olumn column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspace=
:0;font-weight:400;text-align:left;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=
" 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"><div style=3D"font-family:sans-serif"><div class=3D"txtTin=
yMce-wrapper" style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-seri=
f;font-size:12px;mso-line-height-alt:14.399999999999999px;color:#555;line-h=
eight:1.2"><p style=3D"margin:0;font-size:14px;text-align:center">
<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://ema=
il.thelender.com/c/eJxUkD1r8zAURn-NtTlcfcuDhhDevLhbaUvpKOleNQbZCfYtJv--kHbp=
-gzP4RyM1nvpjaAoXQhgrQEtaOGJ7yPGk3t7Go4gTy_jx-_6er9RPF0XToXFJcKgKyD4am3yWgZ=
fa4WgMdhM2TkrpqhAaXBqkE46ow9VhVxkwaoopOBzZ4Av1GhBWg_lOouJaR4xDoSYXTX9EKzpTZ=
K-z0Fhj8oULY12gFq0eGG-bZ0-durcqfO-74c_b506izWmBVfaOwMb09qm5bOk9mBt16-10MOJ5=
jS13NLGgmm-tcQ0Ynz-KaD-je__vwMAAP__dkNdNA" target=3D"_blank" rel=3D"noopene=
r">theLender.com</a> | <a style=3D"text-decoration: underline; color: #E400=
2B;" href=3D"http://email.thelender.com/c/eJxU0E9r4zAQBfBPI90c9M-SfNAhhPXiv=
S27pfQ40owbg2wHe4LJty-kpdDr7_Ae72FqQ9DBSUrax6ja1ikraeGJHwOmi3_5052Vvvwb3r70=
_-NG6bIuDIXlNYUMoKmEFnIEhSMUCm0pESloV0KUUzLKWOVNp732zp5GE3PRBUdDEWLIwim-UqU=
FaTuVdZYT0zxg6ggx-9E1XWxd40CHJkeDDRpXrHbWK7SypivzbRf2LEwvTH8cx-lHmjA95PXOzb=
cK08stwYIbHcKpnWmr0_JeoD7b9_W-FXqupBmmmivsLJnmWwWmAdPfz0_Mr-H190cAAAD__4VJZ=
RQ" target=3D"_blank" rel=3D"noopener">About Us</a>&nbsp;| <a style=3D"text=
-decoration: underline; color: #E4002B;" href=3D"http://email.thelender.com=
/c/eJxUkL1qwzAURp9G2hykK1mWBw0h1MXdSltKR1n3ujHIP8g3mLx9Ie3S9Ru-wzkY6qbRjZUU=
tPNe1bVVRtLCE997DBf38dKelb689V9_6_t9o3BZF46J5TUQKnRArYvkBlOjdWSUdalOpFscQU4=
BFBjloNVOO2tOI_gh6YQjkI--GYRVfKVMC1I5pXWWE9PcY2gJcXCjrVpf28pG3VSDB6wQbDLaGq=
fQyByuzNsuzFlAJ6A7juP0701AVyLTXm1lxVviXUAnS4gLFjqEVTtTydPynWJ-wPf1VhI9JGmOU=
x5y3FkyzVuOTD2G198k8NR_Pv8EAAD__3eXZBY" target=3D"_blank" rel=3D"noopener">=
Products</a>&nbsp;| <a style=3D"text-decoration: underline; color: #E4002B;=
" href=3D"http://email.thelender.com/c/eJxUkL1qwzAURp_G2hyka0mWBg0h1MXdSltK=
R_1cJQb5B_kWk7cvpF26fsN3OCc51feilwyd0MZwpSTvGC400X1M7qI_XuyZi8vb-PW3vt83dJd=
1IR-J3RyASjp422PO2gSlpM8AqIQVYAVmNjng0HENVmihZXfKYEIUMWVA400fGsnphgWXhPUU15=
lNhPOYnMWUgs6ytUbJVnrRt8FAahPI2AnZaZ46VtyNaNub7tzA0MBwHMfp31sDw7xWuvortpuvt=
GBtYGDV-SVVPBrJd8JapuUafXng9_W7Rnxo4uynEorfiRHOW_GEY3Kvv1Hgafx8_gkAAP__8Itk=
fA" target=3D"_blank" rel=3D"noopener">Mortgage Partner</a>&nbsp;| <a style=
=3D"text-decoration: underline; color: #E4002B;" href=3D"http://email.thele=
nder.com/c/eJxUkDFPwzAQhX-NvaWyz47tDB6qiqCwIUCI0b670EhOWiVGUf89UsvC-ob33vdR=
bL3X3kqO2oWg2tYqI3mpU70NFE_u46U7Kn16G77-0vfblePpstSEVZ6jbj0ln9ExBFCAGr1BFZC=
1VaNLWU4RFBjloNNOO2sOI4SMGmkEDin4LKyqZy68EK8HvMxyqjwPFDsmym60TRda29ikfZMDUE=
Ng0WhrnCIjSzzXet2EOQroBfT7vh_-tQno8XG2AQG9XGNaaOVdWLVVXsu0fGMq993t8rMi3_l4T=
lPJJW1VVp6vJVUeKL4-bMDT8Pn8GwAA__8Ol2Fb" target=3D"_blank" rel=3D"noopener"=
>Contact</a>
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-7" 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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nformative. If you'd rather not receive emails like this from us in the fut=
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UKwvnMy2LVJi08LuFmXqz8BAAD__8HOz8w" 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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