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rs/Integrators/3fd3a448-3d02-49a4-af26-a82213fec67e/thelender/20230811_CalH=
FA_special.jpg" style=3D"display:block;height:auto;border:0;max-width:700px=
;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></tab=
le></td></tr></tbody></table><table class=3D"row row-4" align=3D"center" wi=
dth=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;margin:0 auto" 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;border-top:0;border-right:0;bo=
rder-bottom:0;border-left:0"><table class=3D"divider_block block-1" width=
=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"present=
ation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad=
"><div class=3D"alignment" align=3D"center"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"divider_in=
ner" style=3D"font-size:1px;line-height:1px;border-top:1px solid #bbb"><spa=
n>&#8202;</span></td></tr></table></div></td></tr></table><table class=3D"t=
ext_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacin=
g=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"padding-bottom:10px=
;padding-left:20px;padding-right:20px"><div=20
style=3D"font-family:Arial,sans-serif"><div class style=3D"font-family:Aria=
l,'Helvetica Neue',Helvetica,sans-serif;font-size:12px;mso-line-height-alt:=
14.399999999999999px;color:#555;line-height:1.2"><p style=3D"margin:0;font-=
size:20px;text-align:center;mso-line-height-alt:24px"><span style=3D"font-s=
ize:20px;">theLender is waiving</span></p><p style=3D"margin:0;font-size:20=
px;text-align:center;mso-line-height-alt:24px">
<span style=3D"color:#e4002b;font-size:72px;"><strong><span style>100%</spa=
n></strong></span></p><p style=3D"margin:0;font-size:20px;text-align:center=
;mso-line-height-alt:24px"><span style=3D"color:#e4002b;font-size:20px;"><s=
pan style=3D"color:#313131;">of the lender origination fee on all</span></s=
pan></p><p style=3D"margin:0;font-size:20px;text-align:center;mso-line-heig=
ht-alt:24px"><span style=3D"color:#e4002b;font-size:34px;"><strong><span st=
yle>CalHFA loans</span></strong></span></p><p=20
style=3D"margin:0;font-size:20px;text-align:center;mso-line-height-alt:24px=
"><span style=3D"font-size:20px;">submitted between Oct 1<sup>st</sup> and =
Oct 31<span style><sup>st</sup></span>, 2023.</span></p><p style=3D"margin:=
0;font-size:20px;text-align:center;mso-line-height-alt:24px"><span style=3D=
"font-size:12px;">(Applies to Wholesale loans only)</span></p></div></div><=
/td></tr></table><table class=3D"divider_block block-3" width=3D"100%" bord=
er=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div =
class=3D"alignment" align=3D"center"><table border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" width=3D"100%" style=3D"mso-table-l=
space:0;mso-table-rspace:0"><tr><td class=3D"divider_inner" style=3D"font-s=
ize:1px;line-height:1px;border-top:1px solid #bbb"><span>&#8202;</span></td=
></tr></table></div></td></tr></table><table class=3D"text_block block-4" w=
idth=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pres=
entation"=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 style=3D"font-fam=
ily:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12px;mso-line-heigh=
t-alt:14.399999999999999px;color:#555;line-height:1.2"><p style=3D"margin:0=
;font-size:20px;text-align:center;mso-line-height-alt:24px">
<span style=3D"font-size:20px;">You can now help your low-to-moderate-incom=
e California borrowers, who are looking to purchase a single-family home, w=
ith our new</span></p><p style=3D"margin:0;font-size:20px;text-align:center=
;mso-line-height-alt:24px"><span style=3D"color:#e4002b;font-size:38px;"><s=
trong><span style>CalHFA </span></strong></span></p><p style=3D"margin:0;fo=
nt-size:20px;text-align:center;mso-line-height-alt:24px">
<span style=3D"color:#e4002b;font-size:34px;"><strong><span style>Down Paym=
ent Assistance Program*</span></strong></span></p><p style=3D"margin:0;font=
-size:20px;text-align:center;mso-line-height-alt:24px"><span style=3D"font-=
size:20px;">which provides low-interest home financing as well as down paym=
ent and closing cost assistance for homebuyers in California.</span></p></d=
iv></div></td></tr></table></td></tr></tbody></table></td></tr></tbody></ta=
ble><table class=3D"row row-5" align=3D"center"=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"><tbody><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-table-lspace:0;=
mso-table-rspace:0;color:#000;background-color:#fff;border-radius:0;width:7=
00px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" =
width=3D"16.666666666666668%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;padding-bottom:5px;padding-top:5px;vertical-align:top;border-top:0;bord=
er-right:0;border-bottom:0;border-left:0"><table class=3D"empty_block block=
-1" 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"><tr><td clas=
s=3D"pad"><div></div></td></tr></table></td><td class=3D"column column-2" w=
idth=3D"58.333333333333336%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;padding-bottom:5px;padding-top:5px;vertical-align:top;border-top:0;bord=
er-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" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:br=
eak-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"><ul style=3D"line=
-height:1.2;mso-line-height-alt:16.8px;font-size:14px"><li>Up to 105% LTV</=
li><li>FICOs as low as 640</li><li>DTI as high as 50%</li><li>Manual Underw=
rites OK</li><li>Manufactured Homes OK</li><li>100% Down Payment Assistance=
 with the MyHome Assistance program</li></ul><p style=3D"margin:0;font-size=
:11px;mso-line-height-alt:16.8px">&nbsp;</p><p=20
style=3D"margin:0;text-align:right;font-size:11px;mso-line-height-alt:13.2p=
x"><span style=3D"font-size:11px;">*Program only available in California</s=
pan></p><p style=3D"margin:0;text-align:right;font-size:11px;mso-line-heigh=
t-alt:13.2px"><span style=3D"font-size:11px;">**Subject to availability</sp=
an></p></div></div></td></tr></table></td><td class=3D"column column-3" wid=
th=3D"25%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;padding-bottom:5px;padding-top:5px;vertical-align:top;border-top:0;bord=
er-right:0;border-bottom:0;border-left:0"><table class=3D"empty_block block=
-1" 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"><tr><td clas=
s=3D"pad"><div></div></td></tr></table></td></tr></tbody></table></td></tr>=
</tbody></table><table class=3D"row row-6" align=3D"center"=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"><tbody><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-table-lspace:0;=
mso-table-rspace:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbo=
dy><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;border-top:0;border-right:0;bo=
rder-bottom:0;border-left:0"><table class=3D"divider_block block-1" width=
=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"present=
ation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad=
"><div class=3D"alignment" align=3D"center"><table border=3D"0" cellpadding=
=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"95%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"divider_in=
ner" 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" 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;word-break:break-word"><tr><td class=3D"pad"><div style=3D"font-fam=
ily: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:14px;text-align:center;mso-line-height-alt:16.8px"><span styl=
e=3D"font-size:22px;color:#e4002b;"><strong>- Contact me today for full det=
ails -</strong></span></p></div></div></td></tr></table><table class=3D"tex=
t_block block-3" 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:20px;padding-left:10px;padding-rig=
ht:10px;padding-top:10px"><div style=3D"font-family:sans-serif"><div class =
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">
<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-alt:1=
6.8px"><strong>(949) 312-5374</strong>&nbsp;|&nbsp;<span style=3D"color:#00=
0080;font-size:14px;"><strong>cleclair@thelender.com&nbsp;</strong></span><=
/p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbod=
y></table><table class=3D"row row-7" 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;marg=
in:0 auto" 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;border-top:0;border-right:0;border-bottom:0;border-l=
eft:0"><table class=3D"text_block block-1" width=3D"100%" border=3D"0" cell=
padding=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-l=
space:0;mso-table-rspace:0;word-break:break-word"><tr><td class=3D"pad"><di=
v 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=
il.thelender.com/c/eJxUkDtrwzAURn-NtDno6nFlDRqSQMDd-hoy6nHVGGTH2Com_76Qdun6=
Dd_hnOyNtWA1Jw_oUBmwgJzmNrbHkP0ZP1_cUcD5fbj-rR-Phfz5PreQGr_5CEWXWDQUsEUhKXD=
KoXQBhTYuEh-9FFKBEApQ9woPsWQFOZcoegPGSKZFu1GlOdN6SPeJj42mIXuUGQW40iWbbKdTMF=
0saLpeYC-ScxCo59XfWls2po5MXpi87Pt--PfG5IWvPsx5pZ1psTVa6zh_pVCfrO3-vSZ6OtEUx=
hpr2BpvNC01NBqyf_0tcHq7nq4_AQAA__80Xlz7" target=3D"_blank" rel=3D"noopener"=
>theLender.com</a> | <a style=3D"text-decoration: underline; color: #E4002B=
;" href=3D"http://email.thelender.com/c/eJxU0L1qwzAUBeCnkTYHXf3ag4YkYHC3_g0=
Zr6XrxiDbwb7B5O0LaSl0_YZzOCdHFwIEKymCb7xxEMBLmnnkR5fj2X--NEcF5_fu8qsfjxvF8z=
IzJpbXCGbwJhCm3mBCTI31FgdnLHiVoM5yjFppA0oZ8LY2_tAP2UDOQ69qB85pYRVfqdCcaT2kZ=
ZIj09Tl6HX2CpqhSiGFyiZ0VT94V9XK1yo1DSDVssQr820T5ih0K3S77_vhX5rQLfbLnas_FbqV=
a8Q5r7QLqzamtYzzV8LybN-W-5rouZImHEtfcGPJNN0KMnU5vv58cnq7nC7fAQAA__92TWQR" t=
arget=3D"_blank" rel=3D"noopener">About Us</a>&nbsp;| <a style=3D"text-deco=
ration: underline; color: #E4002B;" href=3D"http://email.thelender.com/c/eJ=
xUkLmK8zAURp9G6hy0WFuhIgkY_Hf_LEVKWfd6YpAX5BtM3n4gM820X_EdzoFonJOu5RilDVYb6=
aTluNBEzx7i1X7-C2chr-_97Xf9eG4Yr-tCKRO_R42QPKiQQwInvMle5jFpL8chgLCKT1EJpaUQ=
WtrWa3saRtASYByEN9IYxVpBdyy4ANZTXmc-Ec49RKvAChnGJrvsmjYn0wyjNY0X1oscgkzoeYl=
3om1n-sxUx1R3HMfpzxtTXU2Ee7PVFR6ZdqY6XmNaoOLBWrET1jItXzmVF3xfHzXjSxLnNJWhpJ=
044byVRNhD_P-T5PJ2u9y-AwAA__8vUmPk" target=3D"_blank" rel=3D"noopener">Prod=
ucts</a>&nbsp;| <a style=3D"text-decoration: underline; color: #E4002B;" hr=
ef=3D"http://email.thelender.com/c/eJxUkLmK6zAYRp9G6hy0L4WKJGDw7e4sRUpZ-pUY=
5AX5H0zefiAzzbRf8R3OyUFby62iELjxRmpuuaGw4ITPIYer-fznz4xf34fb7_rx3CBc1wVjQvo=
IIJiTceTG66KVMqCLBectZ-CtZoVOQTAhOWOSG-WkOY0lS55zGZnTXGtBFMMHVFgytFNaZzohzE=
MORmTDuC9dssl2KkXdjcXozjHjWPKeR3C0hgfithN5JqInoj-O4_TnjYh-Xhve4x26LTZcoBHR0=
xbikhscRLEdodVpuadYX_h9_WoJXpowx6mONe5IEeatRoQhh_8_US5vt8vtOwAA__8lymPD" ta=
rget=3D"_blank" rel=3D"noopener">Mortgage Partner</a>&nbsp;| <a style=3D"te=
xt-decoration: underline; color: #E4002B;" href=3D"http://email.thelender.c=
om/c/eJxUkD2P8yAQhH8NdI5gMYspKJJIlvx2730UKYFdXyxhJ7I5Wfn3JyXXXDvFzDwPBeucdq=
3koNGjsdpplLzUqT4GCmf8_OePSp_fh8tv-vG4czjflhpzldegYkbnEQgSpkRkGcBHFclkNJ1FO=
QVQYLRSRmPbGTykkYwmGpPqrLYWRKvqlQsvxOsh32Y5VZ4HCgiESvuxyS67ps3RNmlE23QKO5W9=
15E7WcK11vsmzFFAL6Df9_3wp01An19nGxDQyzXEhVbeRau2ymuZlq8cy3N3u32vmZ98PMeppBK=
3KivP9xIrDxT-v2yc3i6ny08AAAD__9LvYTI" target=3D"_blank" rel=3D"noopener">Co=
ntact</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;margin:0 auto" width=3D"700"><tbody><tr><td=20
class=3D"column column-1" width=3D"25%" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;font-weight:400;text-align:left;vertical-align:top;border-top:0=
;border-right: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" ro=
le=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td=
 class=3D"pad" style=3D"width:100%"><div class=3D"alignment" align=3D"cente=
r" 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;max-width:65px;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"text_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10"=
 cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D"fon=
t-family:sans-serif"><div class style=3D"font-size:14px;font-family:Arial,H=
elvetica Neue,Helvetica,sans-serif;mso-line-height-alt:16.8px;color:#555;li=
ne-height:1.2"><p style=3D"margin:0;font-size:14px;mso-line-height-alt:16.8=
px"><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 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.</span></p>
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