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the Spot | Appraisals | Broker_Resources | Become= _a_Partner |= Rates

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theNONI made some exciting impr= ovements!

the= NONI

Use Highest Mid Score to Qualify on NO= NI and nearNONI product

Max loan amount increased to $3,500,000 with 700 Fico=

Cash Out - Only 6 M= onths Seasoning --Use Appraised Value

No limit on cash back

No Reserves Required for p= urchases & rate/term refinances up to $1M L/A

First Time Investor FICO reduced to 640

Max acreage increased to 10

AirDNA Now Allowed for rent survey!

No need to address collections and ch= arge-offs

No longer need LLC to provide the Foreign C= ertificate of Good Standing

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See theNONI Matrix

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NONI Foreign Nationals - See Matrix for Program Gu= idelines

Non Owner No I= ncome Product for Foreign Nationals up to 75% LTV
Do not need to provide evidence of Home Ownership
Assets not required to be moved to a domest= ic account
Gifts allowed aft= er 5% Borrower Contribution

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See the Foreign National Matrix

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Plus, she is keeping everything tha= t makes NONI great

80% = LTV Purchase - 700 Fico
75% = LTV C/O & R/T Refi - 700 Fico
Use Highest Mid Score to Qualify!
Asset Verification =3D 30 Days

No Min Tradelines with 3 Fico Scores

1X30X12 Mortgage Late Allowed w= ith No Restriction

Multiple = 30X12 Mortgage Lates Allowed with LTV Restriction

Minimum Fico 620

Minimum Loan Amount $100,000

Short Term Rental OK - Use Air DNA for rent= survey

5 Year Prepay Penalt= y for a Better Rate

Prepay O= ptions: 5, 4, 3, 2, 1

Declin= ing Balance Prepay Options Available

Cash in Hand may be used for Reserves on C/O Loans

Non-Warrantable Condos Allowed

<= li>Condotels Allowed

Foreign Nationals Allowed

Assisted Living Facilities Allowed with Exception - = Max LTV =3D 65%

ACH required= for Best Rate-may be waived with rate add-on

First Time Investors allowed with 640 Fico<= /span>

Multipurpose LLC allowed

Unlimited cash out up to 75% LT= V

As little as 0 months rese= rves (Use cash out for reserves)

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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 | Products | 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.

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