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Refinance Roundup 2023
The Top 10 States and HomeTypes
by Reginald Peterson, January 11, 2024

The year 2023 saw a significant shift in the mortgage refinancing landscape=
 compared to the pandemic boom of 2020-2021. With rising interest rates, th=
e overall volume of refinances declined, but activity remained concentrated=
 in specific states and home types. This essay delves into the top 10 state=
s for mortgage refinances in 2023 and explores the characteristics of homes=
 that were most likely to be refinanced.

Top 10 States with
Highest Refinancing Activity in 2023

1. Tennessee: The Volunteer State took the top spot with a refinance rate o=
f 49.4%. This can be attributed to several factors, including a strong hous=
ing market, relatively low homeownership costs, and a large concentration o=
f borrowers who locked in higher interest rates during the pre-pandemic per=
iod.=20

2. Nevada: Nevada followed closely behind with a refinance rate of 47. 7%. =
The Silver State's booming housing market and influx of new residents likel=
y contributed to this high rate.

3. Colorado: Colorado's stunning scenery and strong economy attracted many =
homeowners who refinanced their mortgages in 2023, with a rate of 47. 5%.

4. North Carolina: The Tar Heel State's combination of affordability and jo=
b growth made it a popular choice for refinancing, with a rate of 46. 2%.

5. New Hampshire: Rounding out the top five is New Hampshire, with a refina=
nce rate of 46. 1%. The Granite State's historically low unemployment rate =
and stable housing market likely played a role in this high rate.

Homes Most Likely to be Refinanced:
* Single-family homes: Detached homes continued to be the most popular type=
 for refinancing, as they tend to have higher equity values and offer more =
flexibility for cash-out options.
* Newer homes: Homes built in the past 20 years were more likely to be refi=
nanced, as they typically have higher energy efficiency and require less ma=
intenance, making them more attractive to lenders.
* Homes with higher equity: Borrowers with significant equity in their home=
s were in a better position to take advantage of lower interest rates and p=
otentially tap into their equity through cash-out refinances.
* Homes with conforming loan amounts: Refinancing activity was concentrated=
 on homes with loan amounts conforming to Fannie Mae and Freddie Mac limits=
, as these loans typically have lower interest rates and more favorable ter=
ms.

Looking Ahead

While the overall volume of mortgage refinances is expected to remain subdu=
ed in the near future, certain segments of the market may still see activit=
y. These include borrowers with high credit scores, significant equity, and=
 adjustable-rate mortgages (ARMs) that are due to reset to higher interest =
rates. Additionally, as interest rates stabilize, some borrowers who opted =
to wait in 2023 may re-enter the market in search of better deals.

It's important to remember that refinancing is not a one-size-fits-all solu=
tion. Homeowners should carefully consider their individual circumstances, =
including their financial goals, credit score, and the terms of their exist=
ing mortgage, before making a decision. By understanding the trends in the =
refinancing market and the characteristics of homes that are most likely to=
 qualify, homeowners can make informed decisions about whether or not refin=
ancing is the right option for them.

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Sam Nelson Account Executive
Call or Text (949) 981-6942
Email: snelson@thelender.com

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nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-a=
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0000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><strong =
style=3D"font-family: Arial, Helvetica; font-size: 12pt; background-color: =
transparent;"><font style=3D"font-size: 9pt;">by Reginald<font color=3D"#fe=
0713"> Peterson, </font>January 11, 2024</font></strong></p>

<p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; colo=
r:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><fo=
nt face=3D"Arial, Helvetica" style=3D"font-size: 12pt;"><font color=3D"#fe0=
713"><b style><span>

</span></b></font></font></p></div></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698957969660" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none ;border-bottom:none none none;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_169=
8957969660" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rs=
pace:0pt;font-size:12px;text-align:left;width:100%;padding:0px;border:0px;b=
order-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-br=
eak:break-word;width:100%;text-align:left;">
            =09=09<tbody><tr><td class=3D"paddingcomp" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
etica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7=
px 15px;text-align:center;padding-top:7px;padding-bottom:7px;padding-right:=
15px;padding-left:15px;">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/1166828000007759383_zc_v1_1698957975029_avi_werde_hhz4yrvxwla_unsplash_(=
1).jpg" class=3D"zpImage" height=3D"auto" hspace=3D"0" size=3D"F" src=3D"ht=
tps://stratus.campaign-image.com/images/1166828000007759383_zc_v1_170498475=
5463_pexels_ketut_subiyanto_4247768.jpg" style=3D"width:570px;height:autopx=
;max-width:570px !important;border:0px;text-align:left;" vspace=3D"0" width=
=3D"570">
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1701052255776" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1701052255776" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div style><div id style=3D"outline: none;"><p al=
ign=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:#00=
0000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font fa=
ce=3D"Arial, Helvetica" style=3D"font-size: 10pt;">

<b style>

</b></font></p>

<p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding=
:0px;margin: 0;line-height: 19pt; text-align: left;"><font style=3D"font-si=
ze: 10pt;"><span style=3D"font-family: Arial, Helvetica; background-color: =
transparent;"><font style></font></span><span>

</span></font></p><p style=3D"font-family:Arial,verdana;font-size:12px; col=
or:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left;"><fon=
t style=3D"font-size: 10pt;"><font color=3D"#000000" face=3D"Arial, Helveti=
ca" style=3D"font-size: 12pt;color:#000000;">The year 2023 saw a significan=
t shift in the mortgage refinancing landscape compared to the pandemic boom=
 of 2020-2021. With rising interest rates, the overall volume of refinances=
 declined, but activity remained concentrated in specific states and home t=
ypes. This essay delves into the top 10 states for mortgage refinances in 2=
023 and explores the characteristics of homes that were most likely to be r=
efinanced.</font></font></p><font style=3D"font-size: 10pt;">

<span style=3D"background-color: transparent; font-family: Arial, Helvetica=
;"></span></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helv=
etica, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;=
font-size:12px;padding:0px;"></p>

<p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; colo=
r:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><fo=
nt face=3D"Arial, Helvetica" style=3D"font-size: 12pt;"><font color=3D"#fe0=
713"><b style><span>

</span></b></font></font></p></div></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1701053197792" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1701053197792" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div style><p align=3D"center" style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color:#000000;font-size: 12pt;"><span><font><strong><br><=
/strong></font></span></font></p><p align=3D"center" style=3D"font-family:A=
rial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-heigh=
t: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, Helvet=
ica" style=3D"color:#000000;font-size: 12pt;"><span>

<font><strong>Top 10 States with</strong></font></span></font></p><p align=
=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:#00000=
0;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:#000000;font-size: 12=
pt;"><span><font><strong>Highest </strong></font></span></font><strong styl=
e=3D"font-size: 12pt; font-family: Arial, Helvetica; background-color: rgba=
(0, 0, 0, 0);">Refinancing Activity in 2023</strong></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698958343934" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none ;border-bottom:none none none;">
            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_169=
8958343934" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rs=
pace:0pt;font-size:12px;text-align:left;width:100%;padding:0px;border:0px;b=
order-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-br=
eak:break-word;width:100%;text-align:left;">
            =09=09<tbody><tr><td class=3D"paddingcomp" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
etica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7=
px 15px;text-align:center;padding-top:7px;padding-bottom:7px;padding-right:=
15px;padding-left:15px;">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/1166828000007759383_zc_v1_1698958354883_jason_briscoe_gliahaj3_5a_unspla=
sh.jpg" class=3D"zpImage" height=3D"auto" hspace=3D"0" size=3D"F" src=3D"ht=
tps://stratus.campaign-image.com/images/1166828000007759383_zc_v1_170498554=
0666_pexels_max_rahubovskiy_7031607.jpg" style=3D"width:570px;height:autopx=
;max-width:570px !important;border:0px;text-align:left;" vspace=3D"0" width=
=3D"570">
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1699066621048" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1699066621048" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
 mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 100%;-web=
kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:21pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div componentlineheight=3D"21pt" style=3D"line-h=
eight: 21pt;"><p align=3D"center" style=3D"line-height:1.7;font-family:Aria=
l,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: c=
enter; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica=
" style=3D"color: rgb(0, 0, 0); font-size: 12pt; line-height: 21pt;"><span =
style=3D"line-height: 21pt;">

</span></font></p><p align=3D"center" style=3D"line-height:1.7;font-family:=
Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-alig=
n: center; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0); font-size: 12pt; line-height: 21pt;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt; c=
olor: rgb(0, 0, 0); line-height: 21pt;"><font style=3D"line-height: 21pt;">=
</font></font></font></p><p align=3D"center" style=3D"line-height:1.7;font-=
family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;te=
xt-align: center; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 21pt;"><font style=3D"line-height: 21pt;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt;"><=
font style=3D"font-size: 12pt; line-height: 21pt;"><b></b></font></font></f=
ont></font></font></p><span style=3D"line-height: 21pt;"><font face=3D"Aria=
l, Helvetica" style=3D"font-size: 14.6667px; line-height: 21pt;">

</font><div><font face=3D"Arial, Helvetica" style=3D"line-height: 21pt;"><s=
pan style=3D"font-size: 14.6667px; line-height: 21pt;">

<ol style=3D"font-size: 12pt; font-family: Arial, Helvetica; line-height: 2=
1pt;"><li style=3D"font-size: 12pt; font-family: Arial, Helvetica; line-hei=
ght: 21pt;">Tennessee:<span style=3D"line-height: 21pt;"> </span>The Volunt=
eer State took the top spot with a refinance rate of 49.4%.<span style=3D"l=
ine-height: 21pt;"> </span>This can be attributed to several factors,<span =
style=3D"line-height: 21pt;">&nbsp;</span>including a strong housing market=
,<span style=3D"line-height: 21pt;">&nbsp;</span>relatively low homeownersh=
ip costs,<span style=3D"line-height: 21pt;">&nbsp;</span>and a large concen=
tration of borrowers who locked in higher interest rates during the pre-pan=
demic period.&nbsp; &nbsp; &nbsp; &nbsp;<p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 21pt;">=
</p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding:0px;margin: 0;line-height: 21pt;"></p><span style=3D"line-height: 21pt=
;"></span><li style=3D"font-size: 12pt; font-family: Arial, Helvetica; line=
-height: 21pt;">Nevada:<span style=3D"line-height: 21pt;"><span style=3D"li=
ne-height: 21pt;">&nbsp;</span>Nevada followed closely behind with a refina=
nce rate of 47.</span><span style=3D"line-height: 21pt;">7%.</span><span st=
yle=3D"line-height: 21pt;"><span style=3D"line-height: 21pt;">&nbsp;</span>=
The Silver State's booming housing market and influx of new residents likel=
y contributed to this high rate.</span><span style=3D"line-height: 21pt;"><=
/span><p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px;=
 color:#000000;padding:0px;margin: 0;text-align: left; line-height: 21pt;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;=
 color: rgb(0, 0, 0); line-height: 21pt;"></font></p><p style=3D"line-heigh=
t:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;m=
argin: 0;text-align: left; line-height: 21pt;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"font-size: 12pt; color: rgb(0, 0, 0); line-h=
eight: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"fo=
nt-size: 12pt; color: rgb(0, 0, 0); line-height: 21pt;"></font></font></p><=
p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:=
#000000;padding:0px;margin: 0;text-align: left; line-height: 21pt;"><br></p=
><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddin=
g:0px;margin: 0;line-height: 21pt;"></p><p style=3D"font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 21pt;">=
</p><span style=3D"line-height: 21pt;"></span><li style=3D"font-size: 12pt;=
 font-family: Arial, Helvetica; line-height: 21pt;">Colorado:<span style=3D=
"line-height: 21pt;"><span style=3D"line-height: 21pt;">&nbsp;</span>Colora=
do's stunning scenery and strong economy attracted many homeowners who refi=
nanced their mortgages in 2023,</span><span style=3D"line-height: 21pt;"><s=
pan style=3D"line-height: 21pt;">&nbsp;</span>with a rate of 47.</span><spa=
n style=3D"line-height: 21pt;">5%.</span><span style=3D"line-height: 21pt;"=
></span><p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12p=
x; color:#000000;padding:0px;margin: 0;text-align: left; line-height: 21pt;=
"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12p=
t; color: rgb(0, 0, 0); line-height: 21pt;"></font></p><p style=3D"line-hei=
ght:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;text-align: left; line-height: 21pt;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"font-size: 12pt; color: rgb(0, 0, 0); line=
-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"=
font-size: 12pt; color: rgb(0, 0, 0); line-height: 21pt;"></font></font></p=
><p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; colo=
r:#000000;padding:0px;margin: 0;text-align: left; line-height: 21pt;"><br><=
/p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padd=
ing:0px;margin: 0;line-height: 21pt;"></p><p style=3D"font-family:Arial,ver=
dana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 21pt;=
"></p><span style=3D"line-height: 21pt;"></span><li style=3D"font-size: 12p=
t; font-family: Arial, Helvetica; line-height: 21pt;">North Carolina:<span =
style=3D"line-height: 21pt;"><span style=3D"line-height: 21pt;">&nbsp;</spa=
n>The Tar Heel State's combination of affordability and job growth made it =
a popular choice for refinancing,</span><span style=3D"line-height: 21pt;">=
<span style=3D"line-height: 21pt;">&nbsp;</span>with a rate of 46.</span><s=
pan style=3D"line-height: 21pt;">2%.</span><span style=3D"line-height: 21pt=
;"></span><p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:1=
2px; color:#000000;padding:0px;margin: 0;text-align: left; line-height: 21p=
t;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 1=
2pt; color: rgb(0, 0, 0); line-height: 21pt;"></font></p><p style=3D"line-h=
eight:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0=
px;margin: 0;text-align: left; line-height: 21pt;"><font color=3D"#000000" =
face=3D"Arial, Helvetica" style=3D"font-size: 12pt; color: rgb(0, 0, 0); li=
ne-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"font-size: 12pt; color: rgb(0, 0, 0); line-height: 21pt;"></font></font=
></p><p style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; =
color:#000000;padding:0px;margin: 0;text-align: left; line-height: 21pt;"><=
br></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;=
padding:0px;margin: 0;line-height: 21pt;"></p><p style=3D"font-family:Arial=
,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-height: 2=
1pt;"></p><span style=3D"line-height: 21pt;"></span><li style=3D"font-size:=
 12pt; font-family: Arial, Helvetica; line-height: 21pt;">New Hampshire:<sp=
an style=3D"line-height: 21pt;"><span style=3D"line-height: 21pt;">&nbsp;</=
span>Rounding out the top five is New Hampshire,</span><span style=3D"line-=
height: 21pt;"><span style=3D"line-height: 21pt;">&nbsp;</span>with a refin=
ance rate of 46.</span><span style=3D"line-height: 21pt;">1%.</span><span s=
tyle=3D"line-height: 21pt;"><span style=3D"line-height: 21pt;">&nbsp;</span=
>The Granite State's historically low unemployment rate and stable housing =
market likely played a role in this high rate.</span><span style=3D"line-he=
ight: 21pt;"></span><p style=3D"line-height:1.7;font-family:Arial,verdana;f=
ont-size:12px; color:#000000;padding:0px;margin: 0;text-align: left; line-h=
eight: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"fo=
nt-size: 12pt; color: rgb(0, 0, 0); line-height: 21pt;"></font></p><p style=
=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000=
;padding:0px;margin: 0;text-align: left; line-height: 21pt;"><font color=3D=
"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt; color: rgb(0,=
 0, 0); line-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetic=
a" style=3D"font-size: 12pt; color: rgb(0, 0, 0); line-height: 21pt;"></fon=
t></font></p><p style=3D"line-height:1.7;font-family:Arial,verdana;font-siz=
e:12px; color:#000000;padding:0px;margin: 0;text-align: left; line-height: =
21pt;"><br></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:=
#000000;padding:0px;margin: 0;line-height: 21pt;"></p><p style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 21pt;"></p><span style=3D"line-height: 21pt;"></span></ol><p style=
=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000=
;padding:0px;margin: 0;text-align: left; line-height: 21pt;"><font color=3D=
"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt; color: rgb(0,=
 0, 0); line-height: 21pt;"></font></p><p align=3D"center" style=3D"line-he=
ight:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0p=
x;margin: 0;text-align: center; line-height: 21pt;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"font-size: 12pt; color: rgb(0, 0, 0); l=
ine-height: 21pt;"><b>Homes Most Likely to be Refinanced:</b></font></p><p =
style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#0=
00000;padding:0px;margin: 0;text-align: left; line-height: 21pt;"><font col=
or=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt; color: r=
gb(0, 0, 0); line-height: 21pt;"></font></p><ul style=3D"font-size: 12pt; f=
ont-family: Arial, Helvetica; line-height: 21pt;"><span style=3D"line-heigh=
t: 21pt;"></span><li style=3D"font-size: 12pt; font-family: Arial, Helvetic=
a; line-height: 21pt;">Single-family homes:<span style=3D"line-height: 21pt=
;"><span style=3D"line-height: 21pt;">&nbsp;</span>Detached homes continued=
 to be the most popular type for refinancing,</span><span style=3D"line-hei=
ght: 21pt;"><span style=3D"line-height: 21pt;">&nbsp;</span>as they tend to=
 have higher equity values and offer more flexibility for cash-out options.=
</span><span style=3D"line-height: 21pt;"></span><li style=3D"font-size: 12=
pt; font-family: Arial, Helvetica; line-height: 21pt;">Newer homes:<span st=
yle=3D"line-height: 21pt;"><span style=3D"line-height: 21pt;">&nbsp;</span>=
Homes built in the past 20 years were more likely to be refinanced,</span><=
span style=3D"line-height: 21pt;"><span style=3D"line-height: 21pt;">&nbsp;=
</span>as they typically have higher energy efficiency and require less mai=
ntenance,</span><span style=3D"line-height: 21pt;"><span style=3D"line-heig=
ht: 21pt;">&nbsp;</span>making them more attractive to lenders.</span><span=
 style=3D"line-height: 21pt;"></span><li style=3D"font-size: 12pt; font-fam=
ily: Arial, Helvetica; line-height: 21pt;">Homes with higher equity:<span s=
tyle=3D"line-height: 21pt;"><span style=3D"line-height: 21pt;">&nbsp;</span=
>Borrowers with significant equity in their homes were in a better position=
 to take advantage of lower interest rates and potentially tap into their e=
quity through cash-out refinances.</span><span style=3D"line-height: 21pt;"=
></span><li style=3D"font-size: 12pt; font-family: Arial, Helvetica; line-h=
eight: 21pt;">Homes with conforming loan amounts:<span style=3D"line-height=
: 21pt;"><span style=3D"line-height: 21pt;">&nbsp;</span>Refinancing activi=
ty was concentrated on homes with loan amounts conforming to Fannie Mae and=
 Freddie Mac limits,</span><span style=3D"line-height: 21pt;"><span style=
=3D"line-height: 21pt;">&nbsp;</span>as these loans typically have lower in=
terest rates and more favorable terms.</span><span style=3D"line-height: 21=
pt;"></span></ul><p style=3D"line-height:1.7;font-family:Arial,verdana;font=
-size:12px; color:#000000;padding:0px;margin: 0;text-align: left; line-heig=
ht: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-=
size: 12pt; color: rgb(0, 0, 0); line-height: 21pt;"></font></p><p style=3D=
"line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;pa=
dding:0px;margin: 0;text-align: left; line-height: 21pt;"><br></p></span></=
font></div>

</span><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; =
line-height: 21pt;"><b style=3D"font-size: 12pt; font-family: Arial, Helvet=
ica; background-color: transparent;"></b></p><p align=3D"center" style=3D"l=
ine-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padd=
ing:0px;margin: 0;text-align: center; line-height: 21pt;"></p><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-s=
ize: 12pt; line-height: 21pt;">

</font><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;=
padding:0px;margin: 0;line-height: 21pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1701053328595" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1701053328595" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
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kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div style><p align=3D"center" style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: center;"><b style=3D"background-color: rgba(0, 0, =
0, 0); font-family: Arial, Helvetica, sans-serif; font-size: 12pt;"></b></p=
><span><b>

</b><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; =
color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"=
><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt=
;color:#000000;"><b>Looking Ahead</b></font></p>

</span><div align=3D"center" style=3D"text-align: center;"><span><font styl=
e=3D"font-size: 12pt;"><b></b></font>

</span><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12p=
x; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: cente=
r;"><strong style=3D"font-size: 12pt; font-family: Arial, Helvetica; backgr=
ound-color: rgba(0, 0, 0, 0);"></strong></p></div></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1704985337850" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
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            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_170=
4985337850" prodcmp style=3D";word-wrap:break-word;overflow:hidden;padding:=
0px;background-color:transparent;">
=09=09=09<div>
=09=09        <table align=3D"left" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rs=
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order-collapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;word-br=
eak:break-word;width:100%;text-align:left;">
            =09=09<tbody><tr><td class=3D"paddingcomp" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
etica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7=
px 15px;text-align:center;padding-top:7px;padding-bottom:7px;padding-right:=
15px;padding-left:15px;">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/1166828000007759383_zc_v1_1698958354883_jason_briscoe_gliahaj3_5a_unspla=
sh.jpg" class=3D"zpImage" height=3D"auto" hspace=3D"0" size=3D"F" src=3D"ht=
tps://stratus.campaign-image.com/images/1166828000007759383_zc_v1_170498538=
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;max-width:570px !important;border:0px;text-align:left;" vspace=3D"0" width=
=3D"570">
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
            </div>
            </td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1701053289333" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1701053289333" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
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kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:21pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div componentlineheight=3D"21pt" style=3D"line-h=
eight: 21pt;"><p align=3D"center" style=3D"line-height:1.7;font-family:Aria=
l,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: c=
enter; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helvetica=
" style=3D"color: rgb(0, 0, 0); font-size: 12pt; line-height: 21pt;"><span =
style=3D"line-height: 21pt;">

</span></font></p><p align=3D"center" style=3D"line-height:1.7;font-family:=
Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;text-alig=
n: center; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0); font-size: 12pt; line-height: 21pt;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt; c=
olor: rgb(0, 0, 0); line-height: 21pt;"><font style=3D"line-height: 21pt;">=
</font></font></font></p><p align=3D"center" style=3D"line-height:1.7;font-=
family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;te=
xt-align: center; line-height: 21pt;"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 21pt;"><font style=3D"line-height: 21pt;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 21pt;"><=
font style=3D"font-size: 12pt; line-height: 21pt;"><b></b></font></font></f=
ont></font></font></p><span style=3D"line-height: 21pt;"><font face=3D"Aria=
l, Helvetica"><span style=3D"font-size: 14.6667px;"><b>

</b></span></font><div><font face=3D"Arial, Helvetica"><span style=3D"font-=
size: 14.6667px;">

<p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding=
:0px;margin: 0;line-height: 21pt; text-align: left;"><span style=3D"font-si=
ze: 12pt; font-family: Arial, Helvetica; background-color: transparent;">Wh=
ile the overall volume of mortgage refinances is expected to remain subdued=
 in the near future, certain segments of the market may still see activity.=
 These include borrowers with high credit scores, significant equity, and a=
djustable-rate mortgages (ARMs) that are due to reset to higher interest ra=
tes. Additionally, as interest rates stabilize, some borrowers who opted to=
 wait in 2023 may re-enter the market in search of better deals.</span><br>=
</p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding:0px;margin: 0;line-height: 21pt; text-align: left;"><span style=3D"fon=
t-size: 12pt; font-family: Arial, Helvetica; background-color: transparent;=
"><br></span></p><p style=3D"font-family:Arial,verdana;font-size:12px; colo=
r:#000000;padding:0px;margin: 0;line-height: 21pt; text-align: left;"><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;color=
:#000000;"><font></font></font></p><p style=3D"font-family:Arial,verdana;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 21pt; text-a=
lign: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"fon=
t-size: 12pt; color: rgb(0, 0, 0);"><font style>It's important to remember =
that refinancing is not a one-size-fits-all solution. Homeowners should car=
efully consider their individual circumstances, including their financial g=
oals, credit score, and the terms of their existing mortgage, before making=
 a decision. By understanding the trends in the refinancing market and the =
characteristics of homes that are most likely to qualify, homeowners can ma=
ke informed decisions about whether or not refinancing is the right option =
for them.</font></font></p><p style=3D"font-family:Arial,verdana;font-size:=
12px; color:#000000;padding:0px;margin: 0;line-height: 21pt; text-align: le=
ft;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: =
12pt; color: rgb(0, 0, 0);"><font style><br></font></font></p></span></font=
></div>

</span><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verda=
na;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; =
line-height: 21pt;"><b style=3D"font-size: 12pt; font-family: Arial, Helvet=
ica; background-color: transparent;"></b></p><p align=3D"center" style=3D"l=
ine-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;padd=
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=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-s=
ize: 12pt; line-height: 21pt;">

</font><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;=
padding:0px;margin: 0;line-height: 21pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698958082843" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09=09=09
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=09=09 =20



















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fway-zgph.maillist-manage.net/click/1103167e2467164e6/1103167e246712667" st=
yle=3D"border-radius:115px;height:40px;v-text-anchor:middle;width:230px;" a=
rcsize=3D"115%" strokecolor=3D"#ffffff" strokeweight =3D"0px" fillcolor=3D"=
#fe0713">
=09=09=09=09=09          <v:stroke dashstyle=3D"solid" />
=09=09=09=09=09            <w:anchorlock/>
=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Products and Matrix Click Here</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"https://mofway-zgph.mai=
llist-manage.net/click/1103167e2467164e6/1103167e246712667" style=3D"paddin=
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irection:ltr;font-family:Arial;color:#ffffff;cursor:pointer;text-decoration=
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=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
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                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698958395448" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1698958395448" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
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kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
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ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:7px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div style><p align=3D"center" style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color:#000000;font-size: 12pt;"><span>

</span></font></p><p align=3D"center" style=3D"font-family:Arial,verdana;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-a=
lign: center;"><b style=3D"background-color: transparent; font-size: 11pt; =
font-family: Arial, Helvetica;">Sam Nelson&nbsp;<font color=3D"#fe0713">Acc=
ount Executive</font></b><br></p><p align=3D"center" style=3D"font-family:A=
rial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-heigh=
t: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, Helvet=
ica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, =
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ize: 11pt;">Call or Text (949) 981-6942</font></font></font></font></font><=
/p><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;">=
<font face=3D"Arial, Helvetica" style><font face=3D"Arial, Helvetica" style=
><font style=3D"font-size: 11pt;">Email:<font color=3D"#333333"> </font></f=
ont></font></font><span style=3D"font-size: 12pt; font-family: Arial, Helve=
tica; text-align: left; background-color: transparent;">snelson@thelender.c=
om</span></p><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"col=
or:#000000;font-size: 12pt;">

</font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helvetica, san=
s-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;font-size:=
12px;padding:0px;"></p></div>
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       =09  </div>
</td></tr>
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ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09=09=09
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
x;border:0px;border-collapse:collapse; mso-table-lspace:0pt; mso-table-rspa=
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        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
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        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1698958068653=
" style=3D"overflow:hidden;word-wrap:break-word;">
=09    <div class=3D"zpAlignPos" style=3D"text-align:center;">
                <table align=3D"center" cellpadding=3D"0" cellspacing=3D"0"=
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table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
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ollapse:collapse; mso-table-lspace:0pt; font-size:12px; mso-table-rspace:0p=
t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:Arial;tex=
t-align:center;border-radius:115px;text-align:center;cursor:pointer;">
                         <!--[if mso]>
=09=09=09=09=09          <v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:=
vml" xmlns:w=3D"urn:schemas-microsoft-com:office:office" href=3D"mailto:sne=
lson@thelender.com?subject=3DLoan%20Scenarios%20" style=3D"border-radius:11=
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=09=09=09=09=09            <center style=3D"direction:ltr;color:#ffffff;fon=
t-family:Arial;font-size:11pt;">Loan Scenarios Click Here</center>
=09=09=09=09=09          </v:roundrect>
        =09=09=09=09<![endif]-->
                        <a align=3D"center" href=3D"mailto:snelson@thelende=
r.com?subject=3DLoan%20Scenarios%20" style=3D"padding:0px 0px;background-co=
lor:#fe0713;width:230px;height:40px;font-size:11pt;direction:ltr;font-famil=
y:Arial;color:#ffffff;cursor:pointer;text-decoration:none;border-radius:115=
px;border:0px solid #ffffff;border-collapse:separate;display:table;mso-hide=
:all;text-align:center;">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
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=09=09=09=09=09=09=09</font>
                        </a>
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=09</div>
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<tr><td class=3D"txtsize" id=3D"elm_1704985582073" style=3D" mso-table-lspa=
ce:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-=
rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-si=
ze:12px;border:0px;padding:0px;width:100%;border-collapse:collapse; mso-tab=
le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=09    <tbody><tr>
=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
 none ;border-bottom:none none none;">
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pace:0pt;font-size:12px;text-align:left;width:100%;padding:0px;border:0px;b=
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eak:break-word;width:100%;text-align:left;">
            =09=09<tbody><tr><td class=3D"paddingcomp" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
etica, sans-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7=
px 15px;text-align:center;padding-top:7px;padding-bottom:7px;padding-right:=
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=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
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rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

=09    =09<table bgcolor=3D"transparent" border=3D"0" cellpadding=3D"0" cel=
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le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
=09    <tbody><tr>
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pace:0pt; font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-tabl=
e-rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-top:none none=
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pace:0pt;font-size:12px;text-align:left;width:100%;padding:0px;border:0px;b=
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eak:break-word;width:100%;text-align:left;">
            =09=09<tbody><tr><td class=3D"paddingcomp" style=3D"border-coll=
apse:collapse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helv=
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=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
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rspace:0pt;font-size:12px;border:0px;padding:0px 0px;border-collapse:collap=
se;" valign=3D"top">

          <div class=3D"zpelement-wrapper" id=3D"elm_1698958472806" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:;">
=09    =09<table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:=
12px;padding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;=
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kit-text-size-adjust: 100%;" width=3D"100%">
=09  =09
            <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:c=
ollapse; mso-table-lspace:0pt; mso-table-rspace:0pt;border:0px;padding:7px =
15px;font-size:12pt;font-family:Arial,Helvetica;line-height:19pt;border-top=
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dding-right:15px;padding-left:15px;">
             =09    =09=09<div style><p align=3D"center" style=3D"font-fami=
ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Arial, He=
lvetica" style=3D"color:#000000;font-size: 12pt;"><span>

</span></font></p><p align=3D"center" style=3D"font-family:Arial,verdana;fo=
nt-size:12px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-a=
lign: center;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"c=
olor: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" styl=
e=3D"color: rgb(0, 0, 0);"><font style><font style><font style><font style>=
<font style=3D"font-size: 9pt;">Hometown Equity Mortgage, LLC (NMLS #133519=
)</font></font></font></font></font></font></font></p><p align=3D"center" s=
tyle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px=
;margin: 0;line-height: 19pt; text-align: center;"><font color=3D"#000000" =
face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font><font>=
<font><font><font><font style=3D"font-size: 9pt;">dba theLender. All Rights=
 Reserved.</font></font></font></font></font></font></font></font></p><p al=
ign=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:#00=
0000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font co=
lor=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0=
);"><font><font><font style=3D"font-size: 9pt;">NMLS #133519. CL &ndash; 13=
3519</font></font></font></font></font></p><p align=3D"center" style=3D"fon=
t-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;=
line-height: 19pt; text-align: center;"><font color=3D"#000000" face=3D"Ari=
al, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font><font><font styl=
e=3D"font-size: 9pt;"><br></font></font></font></font></font></p><p align=
=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:#00000=
0;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font=
 color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"=
><font><font><font style><font style=3D"font-size: 9pt;">For licensing info=
rmation, go to: <a data-saferedirecturl=3D"https://www.google.com/url?q=3Dh=
ttp://www.nmlsconsumeraccess.org/&source=3Dgmail&ust=3D1699044272040000&usg=
=3DAOvVaw29GRNjzACcguiYxPUXIbfw" href=3D"http://www.nmlsconsumeraccess.org/=
" rel=3D"noopener noreferrer" style=3D"text-decoration:underline;color: rgb=
(51, 51, 51);" target=3D"_blank" zcurl_name=3D"l_3">www.nmlsconsumeraccess.=
org</a></font><br></font></font></font></font></font></p><p align=3D"center=
" style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:=
0px;margin: 0;line-height: 19pt; text-align: center;"><font color=3D"#00000=
0" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font><fo=
nt><font style=3D"font-size: 9pt;"><br></font></font></font></font></font><=
/p><p align=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; c=
olor:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;">=
<font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0,=
 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb=
(0, 0, 0);"><font><font><font><font><font style=3D"font-size: 9pt;"><font><=
a data-saferedirecturl=3D"https://www.google.com/url?q=3Dhttps://wholesale.=
thelender.com/licensing/&source=3Dgmail&ust=3D1699044272040000&usg=3DAOvVaw=
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ck/1103167e2467164e6/1103167e24671266b" rel=3D"noopener noreferrer" style=
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url_name=3D"l_4">Licensing</a> | </font><a data-saferedirecturl=3D"https://=
www.google.com/url?q=3Dhttps://wholesale.thelender.com/site-map/&source=3Dg=
mail&ust=3D1699044272040000&usg=3DAOvVaw2svIp9HLhQE5zj72swE6hK" href=3D"htt=
ps://mofway-zgph.maillist-manage.net/click/1103167e2467164e6/1103167e246712=
66d" rel=3D"noopener noreferrer" style=3D"text-decoration:underline;color: =
rgb(51, 51, 51);" target=3D"_blank" zcurl_name=3D"l_5">Site Map</a> | <a da=
ta-saferedirecturl=3D"https://www.google.com/url?q=3Dhttps://wholesale.thel=
ender.com/privacy/&source=3Dgmail&ust=3D1699044272040000&usg=3DAOvVaw0NcOlp=
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3167e2467164e6/1103167e24671266f" rel=3D"noopener noreferrer" style=3D"text=
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