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class=3D"fullWidth" style=3D"max-width:700px"><img src=3D"https://d15k2d11r=
6t6rl.cloudfront.net/public/users/Integrators/3fd3a448-3d02-49a4-af26-a8221=
3fec67e/thelender/20240104_GPA_tL.jpg" style=3D"display:block;height:auto;b=
order:0;width:100%" width=3D"700" alt=3D"We are here for you, America" titl=
e=3D"We are here for you, America"></div></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;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-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:28px;text-align:center;mso-line-height-alt:33.6=
px"><span style=3D"color:#313131;"><span style=3D"font-size:22px;"><strong>=
theLender is waiving</strong></span></span></p><p style=3D"margin:0;font-si=
ze:28px;text-align:center;mso-line-height-alt:33.6px">
<span style=3D"color:#e4002b;font-size:28px;"><strong>100% of the&nbsp;</st=
rong></span><span style=3D"font-size:28px;"><span style=3D"color:#e4002b;">=
<strong>LENDER&nbsp;</strong></span><span style=3D"color:#e4002b;"><strong>=
ORIGINATION FEES</strong></span></span></p><p style=3D"margin:0;font-size:2=
8px;text-align:center;mso-line-height-alt:33.6px"><span style=3D"color:#313=
131;font-size:22px;"><strong>through the end of the month!&nbsp;</strong></=
span></p><p=20
style=3D"margin:0;font-size:28px;text-align:center;mso-line-height-alt:14.3=
99999999999999px">&nbsp;</p><p style=3D"margin:0;font-size:28px;text-align:=
center;mso-line-height-alt:33.6px"><span style=3D"font-size:28px;color:#313=
131;"><strong><span style>What is G-PA?</span></strong></span></p><p style=
=3D"margin:0;font-size:28px;text-align:center;mso-line-height-alt:33.6px"><=
span style=3D"font-size:28px;"><strong><span style=3D"color:#e4002b;">GAP P=
LATFORM ADVANCEMENT</span></strong></span></p><p=20
style=3D"margin:0;font-size:28px;text-align:center;mso-line-height-alt:33.6=
px"><span style=3D"font-size:22px;">A Bridge Loan for First Time Home Buyer=
s, </span></p><p style=3D"margin:0;font-size:28px;text-align:center;mso-lin=
e-height-alt:33.6px"><span style=3D"font-size:22px;">First Time Investors,&=
nbsp;</span><span style=3D"font-size:22px;">and Experienced Investors too!<=
/span></p><p style=3D"margin:0;font-size:28px;text-align:center;mso-line-he=
ight-alt:33.6px">
<span style=3D"font-size:10px;">In order to be eligible for this special, t=
he loan must be submitted on or before January, 2024 at 11:59pm EST</span><=
/p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbod=
y></table><table class=3D"row row-5" align=3D"center" width=3D"100%" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"m=
so-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-co=
ntent stack" align=3D"center" border=3D"0" cellpadding=3D"0"=20
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;background-color:#fff;border-radius:0;color:#000;width:700px;ma=
rgin:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" width=
=3D"25%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;tex=
t-align:left;padding-bottom:5px;vertical-align:top;border-top:0;border-righ=
t:0;border-bottom:0;border-left:0"><table class=3D"empty_block block-1" wid=
th=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"><tr><=
td class=3D"pad"><div></div></td></tr></table></td><td class=3D"column colu=
mn-2" width=3D"58.333333333333336%" style=3D"mso-table-lspace:0;mso-table-r=
space:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top:5px;=
vertical-align:top;border-top:0;border-right:0;border-bottom:0;border-left:=
0"><table class=3D"text_block block-1" width=3D"100%" border=3D"0" cellpadd=
ing=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:14px"><li>
First time homebuyers - allowed</li><li>First Time Investors - allowed</li>=
<li>Living Rent free - allowed</li><li>Up to 75% LTV</li><li>Min FICO 650</=
li><li>No tradeline requirements</li><li>Multi-family OK</li><li>Cash out t=
o 65% LTV</li><li>Foreign National- No credit references required</li><li>S=
hort Term Rentals OK*</li><li>NO Min DSCR Options</li><li>Vacant units - al=
lowed&nbsp; &nbsp; &nbsp; &nbsp;</li></ul><p style=3D"margin:0;mso-line-hei=
ght-alt:16.8px">
<span style=3D"font-size:11px;">*By exception only</span></p></div></div></=
td></tr></table></td><td class=3D"column column-3" width=3D"16.666666666666=
668%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-a=
lign:left;padding-bottom:5px;padding-top:5px;vertical-align: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" r=
ole=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0">
<tr><td class=3D"pad"><div></div></td></tr></table></td></tr></tbody></tabl=
e></td></tr></tbody></table><table class=3D"row row-6" align=3D"center" wid=
th=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presen=
tation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><tab=
le 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"><tbody>=
<tr><td=20
class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;font-weight:400;text-align:left;background-color:#fff;vertical=
-align:top;border-top:0;border-right:0;border-bottom:0;border-left:0"><tabl=
e class=3D"divider_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"><tr><td class=3D"pad"><div class=3D"alignment" align=
=3D"center"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=20
role=3D"presentation" width=3D"95%" style=3D"mso-table-lspace:0;mso-table-r=
space:0"><tr><td class=3D"divider_inner" 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%" bo=
rder=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" style=
=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><td cl=
ass=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"><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/eJxUkD9rwzAQRz-NtDnoTjrLGjSEQMDdStuho_5cGoPsBPuKybcvpF26=
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sE2EBuATsA1s9RTToDMAAPQYXDtZTyCkzAjs2zipn5MqNl8rrodxmPQnPY41DTr5HLh1eiu-cpd=
plBOhKGNBcUqZcsm7xKnLflD0qPCs87_t--Pem8KzXmJa68q6c2YTXNi1fJbUna7t9r4WfTjynq=
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SFJ36OJV7PH__CRenr2_j5u74_N4rXdeGELO-RQCmDSMFYrY1x4DUB5lxcyh77Xk4RFFilda_PE=
Gw4Ge9CTplAkyVljbCK71RpKdROuM5yYprHEvuc_BkIO7ih76xxpcugdYehB3VL2WXMssY787YL=
cxEwCBiO4zj9eRMwtMS0d1tbywN5FzDIFtNSGh3Cqp2p1Wn5wlRf8H19NKSXJM1pqrmmnSXTvNX=
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JhnJwxKjutTU7GZgc4uQlcFLNHiUoC9GDQKXfprHYxREIgRVJ1jZL8oEJrpnpJ2yJmpmXMvo_BG=
qTU4pRsqzqd24gAbXI9yilEHVMUxT-Y96Pprg0ODQ7neV7-vDU4LFvle7hTu4fKK9UGB1F9WHOl=
s1HyYKplXu8plBf-2L5qopcmLWEusYSDBdOyl8A0Zv__J8pVWwffAQAA__9Zi2PR" target=3D=
"_blank" rel=3D"noopener">Mortgage Partner</a>&nbsp;| <a style=3D"text-deco=
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vbQQdDgpZ0JOGUGiRqEV04Ku2HGtuJ3KbeEz4TLV6HNyFrAM0IobtDJ1yCDlUIIH0VI2uWTe45X=
ovjN1ZjAyGI_jOP1pYzCW19kBGIx8i2mtGx5Mi51w6_P6VVJ_7u63763gkw-XNPfc006ccLn3RD=
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</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"><div style=3D"max-width:65px"><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;width:100%" width=3D"65=
" alt=3D"Image" title=3D"Image"></div></div></td></tr></table></td><td clas=
s=3D"column column-2" width=3D"75%" style=3D"mso-table-lspace:0;mso-table-r=
space:0;font-weight:400;text-align:left;vertical-align:top;border-top:0;bor=
der-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>
</div>
<br>
<div style=3D"font-size: 11px; line-height: 14px; font-family: Arial; color=
: #555555; text-align: left;">
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