the Spot | <= /a>Appraisals | Brok= er_Resources | Become= _a_Partner = | Rates

THE&n= bsp;FHA/VA/USDA LENDER

FHA 550+ MIN FICO

VA 580+ MIN FICO

USDA 620+ MIN FICO

MAN= UAL & APPROVE ELIGIBLE
NO OVERLAYS!!!!

<= 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;border-radius:0;color:#000;background-color:#e4002b;widt= h:700px;margin:0 auto" width=3D"700">

24 HOUR TURN TIMES ON APPROVALS & STIPS DAILY<= /strong>

<= tr>

FHA

550+ Min Fico Approve Eligible / NO O= VERLAYS-NONE!
550+ FICO for = PURCH, RT, C/O including Flips & High Balance
580+ REFERS OK!---no overlays -u/w directly= to 4000.1
580+ MANUALS up t= o 50% DTI (with 2 comp factors)
550+ No DTI CAP - Follow AUS Findings!!! (with approved eligible)
550+ NO Minimum Credit History or= Trades with AUS Approval!
5= 50+ - No VOR Unless Required by DU Findings!
Transfer appraisals from ANY lender/AMC OK!=
ORDER YOUR APPRAISAL FROM 2= 0+ AMCs YOU CHOOSE!
Collecti= ons - HUD Guides Apply -
Mor= tgage Lates OK if AUS Approved!!!
ESCROW STATE - Non Purchasing Spouse derogs ignored - only affects DT= I
Borrower w/ Work Permits, Non-Resident Alie= n OK!
DACA Borrowers OK!
1 Day off Market for Cashout Re= fi! - Must be off market before date of loan application!
Rental Income on 2-4 units ok FTHB
STREAMLINE - 550 Minimum

Streamline - 550 Score - No Appraisal, No I= ncome, No AVM, No Credit Qualifying!!!

Streamline -Investment and 2nd Homes OK!

Streamline - Mtg only on subject property only!

<= td class=3D"pad">

<= /tr>

Min 580 FICO(Approved Eligible thru DU or LP)
Min 620 FICO (Manual u/ws)
LP or DU findings OK
580+ C/O Refis up to 90% (Approved El= igible)
620+ C/O Refis up to= 90% (Manual u/ws)
No DTI ca= p - follow AUS findings
Appr= oved/Eligible - Unlimited DTI!
VA- REFER/ELIGIBLE - 50% max ratio with VA = Comp Factors
No minimum cred= it history or trades with Approved or Refer AUS findings
No VOR unless required by DU findings (unless = VA Refer)
Borrowers with 1 F= ICO OK
No collections paid U= NLESS required by AUS!
Seller can pay all closing costs & prepaids=
IRRRLs - 580+ NO INCOME
IRRRLs - 580+ MTG ONLY CREDIT R= EQUIRED
IRRRLs - 580+ NO JOB= LISTED ON THE 1003
IRRRLs -= 580+ NO AVM / NO APPRAISAL /
No seller title seasoning
NO Short Sale Seasoning Requirement on VA
1 day off MLS for all Refi in= cluding cash-out

U= SDA

620+= MIN FICO - REFERS AND GUS ACCEPTS!

620+ - YES WE DO REFERS!(29/41 MAX RATIOS)U/W DIRECTLY TO= RD MANUAL GUIDES
620+ GUS A= CCEPTS - NO OVERLAYS - follow GUS findings
101% LTV of appraised value
Ratios to 32/44 w/ 620+ and GUS approval w/= comp. factors for debt waiver
35% Annual Fee, 1% Guarantee Fee
We Accept Transfer Appraisals - No Problem on all loans
File sent to RD within 24 Hours of UW c= lear!
File sent to docs with= in 24 Hours of Receipt of the RD commitment
Up to 6% seller concessions allowed<= /li>
620+ - GUS Accept - must have 2 tra= des for 12 months(open/closed) - or manual downgrade

<= p style=3D"margin:0;font-size:15px;mso-line-height-alt:18px">GUS REFERS

620 - scores OK!
29/41 max ratios
VOR or 12 months cancelled rents checks required
Tradelines or alt tradelines requ= ired
Medical collections & c= harge off accounts ignored - consumer collections follow HUD $2000 guidelin= es (Call us for details!)
Mi= nimal lates allowed in past 12 months

Cameron Leclair=

(949) 312-5374 | cleclair@thelender.com

<= td class=3D"pad">

theLender.com | About Us | Pr= oducts | Mortgage Partner | Con= tact

here. You're receiving this communication from us= because you've given Hometown Equity Mortgage, LLC d/b/a theLender your em= ail 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 Commercen= tre #250 Lake Forest, CA 92630.

<= /table>
3D'clear'