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<span style=3D"color:#ffffff;font-size:14px;"><strong><a style=3D"text-deco=
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G7P9-yfjV_Xm5fQQAAP__uMlgSg" target=3D"_blank" rel=3D"noopener">the Spot </=
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k" rel=3D"noopener">Broker<span style=3D"color:#e4002b;font-size:14px;">_</=
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TL1fk5rbwLBVvhNY_zV_T5vvtI3f_x5Mccst-KLDwt2Rceknt90HjqXj5OPwEAAP__j-1hVw" t=
arget=3D"_blank" rel=3D"noopener"><span style=3D"color:#ffffff;font-size:14=
px;">|</span></a><strong><a style=3D"text-decoration: none; color: #FFFFFF;=
" href=3D"http://email.thelender.com/c/eJxUkD9rwzAUxD-NtDm89yxZ1qAhNRhcupQ2=
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et=3D"_blank" rel=3D"noopener">&nbsp;</a><a style=3D"text-decoration: none;=
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17JlFSouBoNDmpAcIaV-ljuD_IO8wdzbh1zSpJliihm-L7nGGDBakoPWdtAaY7WkhSe-j8n17eX=
ZnhX0b-PnX_t-38j168I-srw5FU2Dxqq6wxjJQ2ptDKh9xCZZU4OcHCqsQaEGAy2a00-ADz4YQt=
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5ePyHQAA__9dBWQL" target=3D"_blank" rel=3D"noopener">Become<span style=3D"c=
olor:#e4002b;font-size:14px;">_</span>a<span style=3D"color:#e4002b;font-si=
ze:14px;">_</span>Partner </a></strong><a style=3D"text-decoration: none; c=
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hX0b-PnX_t-38j168I-srw5FU2Dxqq6wxjJQ2ptDKh9xCZZU4OcHCqsQaEGAy2a00-ADz4YQtUA=
Ca34RpmWROUU11lOTPOYnAohqSaqykLoKg2gK5tUV0VsCCPYGCjI7G7M2y7qs8BB4HAcx-nfmsB=
hXgtf_ZWqzRdeqAgcZHF-SYUOodXOVPK0XKPPj_t9_SqRHpg0-ymH7HeWTPOWPdOY3OuvlKf-5e=
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ymH7HeWTPOWPdOY3OuvlKf-5ePyHQAA__9dBWQL" target=3D"_blank" rel=3D"noopener"=
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O5fx9ySZNmiilmeJ7kGmPQaEkOW9tha4zVklae-T4m17eX__YM2L-M77_t630j199W9pHl5Gxda=
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nef2IPj-Oy-1zj_QApMXPOWRfWDItW_ZMY3LPPzr-9U9vl68AAAD__8GtYYI" target=3D"_bl=
ank" rel=3D"noopener">Rates</a></strong></span>
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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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<tbody>
<tr><td class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:=
0;mso-table-rspace:0;text-align:left;font-weight:400;vertical-align:top;bor=
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"><tr><td class=3D"pad" style=3D"width:100%;padding-right:0;padding-left:0"=
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=20
class=3D"fullWidth" src=3D"https://d15k2d11r6t6rl.cloudfront.net/public/use=
rs/Integrators/3fd3a448-3d02-49a4-af26-a82213fec67e/thelender/theSECONDPlus=
_tl.jpg" style=3D"height:auto;display:block;border:0;max-width:700px;width:=
100%" width=3D"700" alt=3D"We are here for you, America" title=3D"We are he=
re 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" 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;text-align:left;font-weight:=
400;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-left:20px;p=
adding-right:20px"><div 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:22px;text-align:center;mso-line-height-alt:26.4=
px"><span style=3D"font-size:28px;"><strong><span style=3D"color:#e4002b;">=
<span style=3D"color:#313131;">Open more options with</span></span></strong=
></span></p><p style=3D"margin:0;font-size:22px;text-align:center;mso-line-=
height-alt:26.4px">
<span style=3D"font-size:64px;"><strong><span style=3D"color:#e4002b;">theS=
ECOND+</span></strong></span></p></div></div></td></tr></table></td></tr></=
tbody></table></td></tr></tbody></table><table class=3D"row row-5" align=3D=
"center" 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"><tbody>=
<tr><td><table class=3D"row-content stack" align=3D"center" border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;background-color:=
#fff;border-radius:0;width:700px;margin:0 auto" width=3D"700"><tbody><tr><t=
d class=3D"column column-1" width=3D"25%" style=3D"mso-table-lspace:0;mso-t=
able-rspace:0;text-align:left;font-weight:400;padding-bottom:5px;vertical-a=
lign:top;border-top:0;border-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"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div>=
</div></td></tr></table></td><td class=3D"column column-2" width=3D"58.3333=
33333333336%" style=3D"mso-table-lspace:0;mso-table-rspace:0;text-align:lef=
t;font-weight:400;padding-bottom:5px;padding-top:5px;vertical-align:top;bor=
der-top:0;border-right:0;border-bottom:0;border-left:0"><table class=3D"tex=
t_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 style=3D"=
font-size:14px;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;mso-li=
ne-height-alt:16.8px;color:#555;line-height:1.2"><p style=3D"margin:0;mso-l=
ine-height-alt:16.8px"><span style=3D"color:#e4002b;"><strong><span style=
=3D"font-size:22px;">Highlights</span></strong></span></p><ul style=3D"line=
-height:1.2;mso-line-height-alt:26.4px;font-size:16px"><li>
<span style=3D"font-size:16px;">Approved in more states</span></li><li><spa=
n style=3D"font-size:16px;">Maximum loan amount up to $500K</span></li><li>=
<span style=3D"font-size:16px;">Minimum loan amount to $75K</span></li><li>=
<span style=3D"font-size:16px;">No cap on combined loan amounts</span></li>=
<li><span style=3D"font-size:16px;">Cash Out up to $500K</span></li><li><sp=
an style=3D"font-size:16px;">Minimum FICO lowered to 680</span></li><li><sp=
an style=3D"font-size:16px;">2nd homes allowed to 80%</span>
</li><li><span style=3D"font-size:16px;">Investment transactions allowed to=
 75%</span></li><li><span style=3D"font-size:16px;">Maximum DTI increased t=
o 50% for LTVs =3D 80%</span></li><li><span style=3D"font-size:16px;">AVMs =
now allowed for loan amounts =3D $250K&nbsp;</span></li></ul></div></div></=
td></tr></table></td><td class=3D"column column-3" width=3D"16.666666666666=
668%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;text-align:left;font-weight:=
400;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;border-radius:0;width:700px;margin:0 auto" wi=
dth=3D"700"><tbody><tr><td class=3D"column column-1" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;text-align:left;font-weight:=
400;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"button_block bloc=
k-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"><tr><td c=
lass=3D"pad"><div class=3D"alignment" align=3D"center">
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vNtaRguTINV1obSSHjhNc-2ladHs2B8fbYf_y2b9cVbLtkdAHpaKUOEQwENaiq9tWgVDTKazmI2=
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ext-decoration:none;display:inline-block;color:#ffffff;background-color:#e4=
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ght:400;border-right:0px solid transparent;border-bottom:0px solid transpar=
ent;border-left:0px solid transparent;padding-top:5px;padding-bottom:5px;fo=
nt-family:Arial, Helvetica Neue, Helvetica, sans-serif;font-size:14px;text-=
align:center;mso-border-alt:none;word-break:keep-all;"><span style=3D"paddi=
ng-left:20px;padding-right:20px;font-size:14px;display:inline-block;letter-=
spacing:normal;"><span style=3D"word-break: break-word; line-height: 28px;"=
>See theSECOND+ Matrix</span></span></a>
<!--[if mso]></center></v:textbox></v:roundrect><![endif]--></div></td></tr=
></table></td></tr></tbody></table></td></tr></tbody></table><table class=
=3D"row row-7" 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" align=3D"=
center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentati=
on"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;width:700px;margi=
n:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" width=3D"1=
00%" style=3D"mso-table-lspace:0;mso-table-rspace:0;text-align:left;font-we=
ight:400;background-color:#fff;vertical-align:top;border-top:0;border-right=
:0;border-bottom:0;border-left:0"><table class=3D"divider_block block-1" wi=
dth=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"pres=
entation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td=20
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%" st=
yle=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"divider_inne=
r" style=3D"font-size:1px;line-height:1px;border-top:2px solid #e4002b"><sp=
an>&#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" cellspac=
ing=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 style=3D"=
font-size:14px;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;mso-li=
ne-height-alt:16.8px;color:#555;line-height:1.2"><p style=3D"margin:0;font-=
size:14px;text-align:center;mso-line-height-alt:16.8px"><span style=3D"font=
-size:22px;color:#e4002b;"><strong>- Contact me today for full details -</s=
trong></span></p></div></div></td></tr></table><table=20
class=3D"text_block block-3" 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;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-b=
ottom:20px;padding-left:10px;padding-right:10px;padding-top:10px"><div styl=
e=3D"font-family:sans-serif"><div class style=3D"font-family:Arial,Helvetic=
a Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14.399999999=
999999px;color:#555;line-height: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-8" 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;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" w=
idth=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;text-align:left;font-weight:=
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eft:0"><table class=3D"text_block block-1" width=3D"100%" border=3D"0" cell=
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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=
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7MZQQ8wVtwZKpy91FyTFqpVtQ2oAHp_3hOyBhQk9aWSBhFF-p0lxoPeTbJEemaShRIRZls2oCYN=
cYANOEoroma0s6Q8hIKGu8Mi-baI9Cn4Q-7ft--LMm9EmuMc1lpV0YtTGtdZw_cqqPr-32uWZ6M=
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ner">theLender.com</a> | <a style=3D"text-decoration: underline; color: #E4=
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ZqQ1kOeRzkwjT0GlRKqOqvKQ2oqA2Aqj6qpsq5JZ_A5UZIlXJmXTRxPQndCd_u-H_60Cd3FNN-4=
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yle=3D"text-decoration: underline; color: #E4002B;" href=3D"http://email.th=
elender.com/c/eJxUkLtq80AQhZ9mt5PZGa32UmzhXyDQT5qQmJByL5NYsJKNNEH47UPsNGlOc=
Ypz-UrorAWrJQUw3oGx1mtJC098G0vozem_PyroX8b3X_f1dqXQXxaOmeU5eGddQdKt_ci6tJFy=
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Lck3GjjCDz4mSrOHMfN1EexQ4CBz2fT_8SRM45MfYBgUOcg1xKSvtQquNaa3T8pljvfdul6810_=
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ener">Contact</a>
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-9" 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=
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class=3D"column column-1" width=3D"25%" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;text-align:left;font-weight:400;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=
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r" style=3D"line-height:10px"><img=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/public/users/Integrators/3fd3a=
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><td class=3D"column column-2" width=3D"75%" style=3D"mso-table-lspace:0;ms=
o-table-rspace:0;text-align:left;font-weight:400;vertical-align:top;border-=
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class=3D"text_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10"=
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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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contact us in writing, please mail any correspondence to 25531 Commercentre=
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