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Refinance Roundup
Top 10 States Refinancing January 2024
by Reginald Peterson, Febuary 2nd, 2024

While the housing market cools after a pandemic boom, refinancing activity =
remains a bright spot. In January 2024, homeowners across the US capitalize=
d on historically low interest rates, seeking to lower monthly payments, sh=
orten loan terms, or access home equity through cash-out refinances.

But which states saw the most action? Buckle up, as we delve into the top 1=
0 states for home refinancing in January 2024, exploring the economic and h=
ousing market trends that fueled this activity.

Top 10 States January 2024
Highest Refinancing Activity

The Top Contenders
1. California: The Golden State consistently ranks high in refinance activi=
ty, and January 2024 was likely no exception. With a large housing market, =
expensive loan amounts, and a tech-savvy population, Californians are quick=
 to adopt financial strategies like refinancing.
2. Florida: Similar to California, Florida boasts a sizeable housing market=
, diverse demographics, and a vibrant economy, making it fertile ground for=
 refinancing activity. Additionally, the state's status as a retirement des=
tination could incentivize seniors to leverage equity through cash-out refi=
nances.
3. Texas: The Lone Star State's booming population, coupled with a strong j=
ob market and recovering oil and gas industries, likely fueled refinance de=
mand in January. Additionally, Texas' relatively affordable housing market =
could entice homeowners to lock in lower rates before potential future incr=
eases.
4. New York: Despite high housing costs, New York's competitive mortgage ma=
rket and access to low-rate jumbo loans could have positioned the state wel=
l for January's refinance wave. Additionally, the state's diverse populatio=
n with varying financial needs could have contributed to the activity.
5. Georgia: With a robust economy, a growing population, and a large millen=
nial demographic, Georgia seems poised for high refinance activity. The sta=
te's relative affordability compared to its coastal neighbors could also in=
centivize homeowners to lock in lower rates.

Beyond the Top 5
* North Carolina: Similar housing affordability trends and demographics to =
Georgia could have fueled activity.
* Washington: A tech-driven economy and expensive housing market might have=
 spurred refinancing.
* Arizona: A recovering economy and growing population could have contribut=
ed to the state's refinance numbers.
* Illinois: Despite economic challenges, the state's large and established =
housing market could have seen notable refinance activity.
* Colorado: A strong job market and desirable lifestyle might have enticed =
homeowners to refinance.

Economic and Housing Market Drivers

January 2024 saw historically low mortgage rates, enticing homeowners to re=
finance for lower monthly payments or shorter loan terms.

Additionally, a recovering economy and increasing home values provided oppo=
rtunities for cash-out refinances to access home equity. However, rising in=
flation and potential future interest rate hikes might have added urgency t=
o lock in lower rates, fueling January's refinance surge.

Conclusion: While analyzing market trends and economic factors, California,=
 Florida, Texas, and New York saw high refinance activity due to large hous=
ing markets, diverse demographics, and strong economies. Other states with =
similar characteristics followed suit.

As the housing market navigates an evolving economic landscape, understandi=
ng these trends can be valuable for homeowners considering refinancing and =
market analysts seeking insights into future activity.

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the Lender
Call or Text (949) 981-6942
Email: snelson @thelender.com

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<b style>

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<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><font color=3D"#fe0713" style=3D"font-si=
ze: 14pt;"><strong style>Refinance Roundup</strong></font></font></p><p ali=
gn=3D"center" style=3D"font-family:Arial,verdana;font-size:12px; color:#000=
000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><font sty=
le=3D"font-size: 11pt;"><b><font color=3D"#000000" face=3D"Arial, Helvetica=
" style=3D"color: rgb(0, 0, 0);"><font style>Top 10 States  Refinancing&nbs=
p;</font></font><span style=3D"font-family: Arial, Helvetica; background-co=
lor: transparent;">January 2024</span></b></font></p><p align=3D"center" st=
yle=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;=
margin: 0;line-height: 19pt; text-align: center;"><strong style=3D"font-fam=
ily: Arial, Helvetica; font-size: 12pt; background-color: transparent;"><fo=
nt style=3D"font-size: 9pt;">by Reginald<font color=3D"#fe0713"> Peterson, =
</font>Febuary 2nd, 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/1166828000010787459_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/1166828000010787459_zc_v1_170688253=
3707_hiveboxx_vsb_q52o3jk_unsplash.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;"><span>

</span></font></font></p><p style=3D"font-family:Arial,verdana;font-size:12=
px; color:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: left=
;"><font style=3D"font-size: 10pt;"><font color=3D"#000000" face=3D"Arial, =
Helvetica" style=3D"font-size: 12pt;color:#000000;"><font color=3D"#000000"=
 face=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;">While t=
he housing market cools after a pandemic boom, refinancing activity remains=
 a bright spot. In January 2024, homeowners across the US capitalized on hi=
storically low interest rates, seeking to lower monthly payments, shorten l=
oan terms, or access home equity through cash-out refinances.</font></font>=
</font></p><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000=
000;padding:0px;margin: 0;line-height: 19pt; text-align: left;"><font style=
=3D"font-size: 10pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"font-size: 12pt;color:#000000;"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"font-size: 12pt;color:#000000;"><br></font></font></f=
ont></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-size: 10pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"font-size: 12pt;color:#000000;"><font color=3D"#000000" face=3D"Arial, =
Helvetica" style=3D"font-size: 12pt;color:#000000;">But which states saw th=
e most action? Buckle up, as we delve into the top 10 states for home refin=
ancing in January 2024, exploring the economic and housing market trends th=
at fueled this activity.</font></font></font></p><font style=3D"font-size: =
10pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size=
: 12pt;color:#000000;">

</font></font><p style=3D"margin: 0;padding: 0px;font-family:Arial, Helveti=
ca, sans-serif; color:#000000;line-height:1.7;font-family:Arial,verdana;fon=
t-size:12px;padding:0px;"></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 January 2024</strong></font></span></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;"><fon=
t color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:#000000;font-s=
ize: 12pt;"><span><font><strong>Highest </strong></font></span></font><stro=
ng style=3D"font-size: 12pt; font-family: Arial, Helvetica; background-colo=
r: rgba(0, 0, 0, 0);">Refinancing Activity</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/1166828000010787459_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/1166828000010787459_zc_v1_170688363=
0433_jared_rice_ahiunolb7cg_unsplash.jpg" style=3D"width:570px;height:autop=
x;max-width:570px !important;border:0px;text-align:left;" vspace=3D"0" widt=
h=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:23pt;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"23pt" style=3D"line-h=
eight: 23pt;"><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: 23pt;"><font color=3D"#000000" face=3D"Arial, Helvetica=
" style=3D"color: rgb(0, 0, 0); font-size: 12pt; line-height: 23pt;"><span =
style=3D"line-height: 23pt;">

</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: 23pt;"><font color=3D"#000000" face=3D"Arial, Helve=
tica" style=3D"color: rgb(0, 0, 0); font-size: 12pt; line-height: 23pt;"><f=
ont color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt; c=
olor: rgb(0, 0, 0); line-height: 23pt;"><font style=3D"line-height: 23pt;">=
</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: 23pt;"><font color=3D"#000000" face=3D"Arial=
, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 23pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-h=
eight: 23pt;"><font style=3D"line-height: 23pt;"><font color=3D"#000000" fa=
ce=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); line-height: 23pt;"><=
font style=3D"font-size: 12pt; line-height: 23pt;"><b></b></font></font></f=
ont></font></font></p><span style=3D"line-height: 23pt;"><font face=3D"Aria=
l, Helvetica" style=3D"font-size: 14.6667px; line-height: 23pt;">

</font><div><font face=3D"Arial, Helvetica" style=3D"line-height: 23pt;"><s=
pan style=3D"line-height: 23pt;">

<div style><span style=3D"font-size: 16px; line-height: 23pt;"><br></span><=
/div>

<p align=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;font=
-size:12px; color:#000000;padding:0px;margin: 0;text-align: center; line-he=
ight: 23pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"col=
or: rgb(0, 0, 0); font-size: 15pt; line-height: 23pt;"><strong style>The To=
p Contenders</strong></font></p><ol style=3D"font-size: 12pt; font-family: =
Arial, Helvetica; line-height: 21pt;"><li style=3D"font-size: 12pt; font-fa=
mily: Arial, Helvetica; line-height: 23pt;"><strong>California:</strong><sp=
an style=3D"line-height: 23pt;"> </span>The Golden State consistently ranks=
 high in refinance activity, and January 2024 was likely no exception. With=
 a large housing market, expensive loan amounts, and a tech-savvy populatio=
n, Californians are quick to adopt financial strategies like refinancing.<l=
i style=3D"font-size: 12pt; font-family: Arial, Helvetica; line-height: 23p=
t;"><strong>Florida:</strong><span style=3D"line-height: 23pt;"> </span>Sim=
ilar to California, Florida boasts a sizeable housing market, diverse demog=
raphics, and a vibrant economy, making it fertile ground for refinancing ac=
tivity. Additionally, the state's status as a retirement destination could =
incentivize seniors to leverage equity through cash-out refinances.<li styl=
e=3D"font-size: 12pt; font-family: Arial, Helvetica; line-height: 23pt;"><s=
trong>Texas:</strong><span style=3D"line-height: 23pt;"> </span>The Lone St=
ar State's booming population, coupled with a strong job market and recover=
ing oil and gas industries, likely fueled refinance demand in January. Addi=
tionally, Texas' relatively affordable housing market could entice homeowne=
rs to lock in lower rates before potential future increases.<li style=3D"fo=
nt-size: 12pt; font-family: Arial, Helvetica; line-height: 23pt;"><strong>N=
ew York:</strong><span style=3D"line-height: 23pt;"> </span>Despite high ho=
using costs, New York's competitive mortgage market and access to low-rate =
jumbo loans could have positioned the state well for January's refinance wa=
ve. Additionally, the state's diverse population with varying financial nee=
ds could have contributed to the activity.<li style=3D"font-size: 12pt; fon=
t-family: Arial, Helvetica; line-height: 23pt;"><strong>Georgia:</strong><s=
pan style=3D"line-height: 23pt;">&nbsp;</span>With a robust economy, a grow=
ing population, and a large millennial demographic, Georgia seems poised fo=
r high refinance activity. The state's relative affordability compared to i=
ts coastal neighbors could also incentivize homeowners to lock in lower rat=
es.</ol><div><span style=3D"font-size: 16px; line-height: 23pt;"><br></span=
></div><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: 23pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); font-size: 15pt; line-height: 23pt;"><strong style=
>Beyond the Top 5</strong></font></p><ul style=3D"font-size: 12pt; font-fam=
ily: Arial, Helvetica; line-height: 23pt;"><li style=3D"font-size: 12pt; fo=
nt-family: Arial, Helvetica; line-height: 23pt;"><strong>North Carolina:&nb=
sp;</strong>Similar housing affordability trends and demographics to Georgi=
a could have fueled activity.<li style=3D"font-size: 12pt; font-family: Ari=
al, Helvetica; line-height: 23pt;"><strong>Washington:</strong><span style=
=3D"line-height: 23pt;">&nbsp;</span>A tech-driven economy and expensive ho=
using market might have spurred refinancing.<li style=3D"font-size: 12pt; f=
ont-family: Arial, Helvetica; line-height: 23pt;"><strong>Arizona:</strong>=
<span style=3D"line-height: 23pt;">&nbsp;</span>A recovering economy and gr=
owing population could have contributed to the state's refinance numbers.<l=
i style=3D"font-size: 12pt; font-family: Arial, Helvetica; line-height: 23p=
t;"><strong>Illinois:</strong><span style=3D"line-height: 23pt;">&nbsp;</sp=
an>Despite economic challenges, the state's large and established housing m=
arket could have seen notable refinance activity.<li style=3D"font-size: 12=
pt; font-family: Arial, Helvetica; line-height: 23pt;"><strong>Colorado:</s=
trong><span style=3D"line-height: 23pt;">&nbsp;</span>A strong job market a=
nd desirable lifestyle might have enticed homeowners to refinance.</ul><div=
 style><span style=3D"font-size: 16px; line-height: 23pt;"><br></span></div=
></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: 23pt;"><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: 23pt;"></p><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-s=
ize: 12pt; line-height: 23pt;">

</font><p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;=
padding:0px;margin: 0;line-height: 23pt;"></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;=
 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;"><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><span>

<strong>Economic and Housing Market Drivers</strong>

</span></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=
 none ;border-bottom:none none none;">
            =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=
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/1166828000010787459_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/1166828000010787459_zc_v1_170688374=
5275_cdc_sawxj8phy3q_unsplash.jpg" style=3D"width:570px;height:autopx;max-w=
idth:570px !important;border:0px;text-align:left;" vspace=3D"0" width=3D"57=
0">
=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;=
 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"><span style=3D"font-size: 14.6667px;"><b>

</b></span></font><div><font face=3D"Arial, Helvetica">

<p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;paddin=
g:0px;margin: 0;font-size: 14.6667px; line-height: 21pt; text-align: left;"=
><span style=3D"font-size: 12pt; font-family: Arial, Helvetica; background-=
color: transparent;"></span></p>

<p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000000;paddin=
g:0px;margin: 0;font-size: 14.6667px; line-height: 21pt; text-align: left;"=
><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-size: 12pt=
;color:#000000;">January 2024 saw historically low mortgage rates, enticing=
 homeowners to refinance for lower monthly payments or shorter loan terms.<=
/font></p><p style=3D"line-height:1.7;font-family:Arial,verdana; color:#000=
000;padding:0px;margin: 0;font-size: 14.6667px; line-height: 21pt; text-ali=
gn: left;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"font-=
size: 12pt;color:#000000;"><br></font></p><p style=3D"line-height:1.7;font-=
family:Arial,verdana; color:#000000;padding:0px;margin: 0;font-size: 14.666=
7px; line-height: 21pt; text-align: left;"><font color=3D"#000000" face=3D"=
Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;">Additionally, a =
recovering economy and increasing home values provided opportunities for ca=
sh-out refinances to access home equity. However, rising inflation and pote=
ntial future interest rate hikes might have added urgency to lock in lower =
rates, fueling January's refinance surge.</font></p><p style=3D"line-height=
:1.7;font-family:Arial,verdana; color:#000000;padding:0px;margin: 0;font-si=
ze: 14.6667px; line-height: 21pt; text-align: left;"><font color=3D"#000000=
" face=3D"Arial, Helvetica" style=3D"font-size: 12pt;color:#000000;"><br></=
font></p><p align=3D"left" style=3D"font-family:Arial,verdana;font-size:12p=
x; color:#000000;padding:0px;margin: 0;line-height: 21pt; text-align: left;=
">

<strong style><font style=3D"font-size: 13pt;">Conclusion:&nbsp;</font></st=
rong><span style=3D"background-color: transparent; font-family: Arial, Helv=
etica; font-size: 12pt;">While analyzing market trends and economic factors=
, California, Florida, Texas, and New York saw high refinance activity due =
to large housing markets, diverse demographics, and strong economies. Other=
 states with similar characteristics followed suit.</span></p><p align=3D"l=
eft" style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;paddi=
ng:0px;margin: 0;line-height: 21pt; text-align: left;"><span style=3D"backg=
round-color: transparent; font-family: Arial, Helvetica; font-size: 12pt;">=
<br></span></p><p align=3D"left" style=3D"font-family:Arial,verdana;font-si=
ze:12px; color:#000000;padding:0px;margin: 0;line-height: 21pt; text-align:=
 left;"><span style=3D"background-color: transparent; font-family: Arial, H=
elvetica; font-size: 12pt;">As the housing market navigates an evolving eco=
nomic landscape, understanding these trends can be valuable for homeowners =
considering refinancing and market analysts seeking insights into future ac=
tivity.</span></p></font></div></span><span><br>

</span></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
=09=09 =09       =20
=09=09           =20
=09=09 =20



















=09<table bgcolor=3D"transparent" cellpadding=3D"0" cellspacing=3D"0" heigh=
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rder-top:none none none;border-bottom:none none none;padding-top:1px;paddin=
g-bottom:5px;padding-right:0px;padding-left:0px;">
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t;font-size:12px;border:0px;padding:0px;color:#ffffff;font-family:Arial;tex=
t-align:center;border-radius:110px;text-align:center;cursor:pointer;">
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se;" valign=3D"top">

=09=09
=09=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1706885853227"=
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=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
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=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
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=09=09=09=09=09<div class=3D"divider" style=3D"margin:0px;padding:0px;text-=
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er-bottom:none;border-left:none;border-right:none;font-size:0px;margin:0px;=
padding:0px;width:100%;" width=3D"100%"> &nbsp; &nbsp; &nbsp; </td> </tr></=
tbody></table></div>
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<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:=
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;"><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;"><b style=3D"background-color: transparent; fo=
nt-size: 11pt; font-family: Arial, Helvetica;"><font color=3D"#fe0713">the<=
/font>Lender</b></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"#000000" face=3D"Arial, Helvetica" style=3D=
"color: rgb(0, 0, 0);"><font color=3D"#000000" face=3D"Arial, Helvetica" st=
yle=3D"color: rgb(0, 0, 0);"><font><font><font style=3D"font-size: 11pt;">C=
all or Text (949) 981-6942</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 face=
=3D"Arial, Helvetica" style><font face=3D"Arial, Helvetica" style><font sty=
le=3D"font-size: 11pt;">Email:<font color=3D"#333333"> </font></font></font=
></font><span style=3D"font-size: 12pt; font-family: Arial, Helvetica; text=
-align: left; background-color: transparent;">snelson</span><font color=3D"=
#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><font col=
or=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><fo=
nt style=3D"font-size: 11pt;"><font color=3D"#333333"><span style=3D"text-d=
ecoration-thickness: initial; text-decoration-style: initial; text-decorati=
on-color: initial;"><span><span><font><span><span>@thelender.com</span></sp=
an></font></span></span></span></font></font></font></font></p><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color:#000000;font-size: 12=
pt;">

</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>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1706885904226" 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=09=09 <div class=3D"zpelement-wrapper divider" id=3D"elm_1706885904226"=
 style=3D";word-wrap:break-word;overflow:hidden;background-color:;">
=09=09=09 <table bgcolor border=3D"0" cellpadding=3D"0" cellspacing=3D"0" c=
lass=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;pa=
dding:0px;border:0px;border-collapse:collapse; mso-table-lspace:0pt;font-si=
ze:5px; mso-table-rspace:0pt;word-break:break-word;-ms-text-size-adjust: 10=
0%;-webkit-text-size-adjust: 100%;background-color:;" width=3D"100%">
=09=09=09 <tbody><tr><td class=3D"txtsize" style=3D" mso-table-lspace:0pt; =
font-size:12px;font-family:Arial, Helvetica, sans-serif; mso-table-rspace:0=
pt;font-size:12px;border:0px;padding:18px 7px 18px 7px;border-collapse:coll=
apse;">
=09=09=09=09=09<div class=3D"divider" style=3D"margin:0px;padding:0px;text-=
align:center;"><table align=3D"center" border=3D"0" cellpadding=3D"0" cells=
pacing=3D"0" class=3D"dvdrtbl" style=3D"border-collapse:collapse;border-col=
lapse:collapse; mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;b=
order: 0px; font-size: 0px; width: 66%; margin: auto; border-collapse: init=
ial;" width=3D"66%"> <tbody><tr><td align=3D"center" height=3D"0" style=3D"=
border-collapse:collapse; mso-table-lspace:0pt;font-family:Arial, Helvetica=
, sans-serif; mso-table-rspace:0pt;border:0px;border-top:2px solid red;bord=
er-bottom:none;border-left:none;border-right:none;font-size:0px;margin:0px;=
padding:0px;width:100%;" width=3D"100%"> &nbsp; &nbsp; &nbsp; </td> </tr></=
tbody></table></div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698958068653" 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
=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=
ce:0pt;border:none;" width=3D"100%">
        <tbody><tr><td class=3D"paddingcomp" style=3D"border-collapse:colla=
pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
s-serif; mso-table-rspace:0pt;font-size:12px;border:0px;padding:7px 15px;bo=
rder-top:none none none;border-bottom:none none none;padding-top:1px;paddin=
g-bottom:1px;padding-right:0px;padding-left:0px;">
        <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"=
 style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12px;border=
:none;padding:0px;border:0px;margin:0px auto;border-collapse:separate; mso-=
table-lspace:0pt; mso-table-rspace:0pt;">
                <tbody><tr>
                   <td align=3D"center" class=3D"txtsize" style=3D"border-c=
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:110px;text-align:center;cursor:pointer;">
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=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=
0px;height:35px;v-text-anchor:middle;width:220px;" arcsize=3D"110%" strokec=
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=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;">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:220px;height:35px;font-size:11pt;direction:ltr;font-famil=
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:all;text-align:center;">
=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
al-align:middle;">
                     =09=09   Loan Scenarios Click Here
=09=09=09=09=09=09=09</font>
                        </a>
                    </td>
                </tr>
                </tbody></table>
            </div>
=09</div>
=09</td></tr></tbody></table>
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=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=
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le-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;background-color:=
transparent;">
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4985582073" 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/1166828000010787459_zc_v1_1698958354883_jason_briscoe_gliahaj3_5a_unspla=
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tps://stratus.campaign-image.com/images/1166828000010787459_zc_v1_170688379=
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topx;max-width:570px !important;border:0px;text-align:left;" vspace=3D"0" w=
idth=3D"570">
=09=09=09</td></tr>
=09=09=09</tbody></table>
=09=09</div>
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<tr><td class=3D"txtsize" id=3D"elm_1698958426492" style=3D" mso-table-lspa=
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=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=
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=09=09<td class=3D"txtsize" style=3D"border-collapse:collapse; mso-table-ls=
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            =09<div class=3D"zpelement-wrapper image" coupcmp id=3D"elm_169=
8958426492" 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=
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            =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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15px;padding-left:15px;">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
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nder_red_background.jpg" style=3D"width:570px;height:autopx;max-width:570px=
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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">

          <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;=
 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>

</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=
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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=
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" 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"=
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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,=
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(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/1103167e2469f8690/1103167e2469f5ad7" rel=3D"noopener noreferrer" style=
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rgb(51, 51, 51);" target=3D"_blank" zcurl_name=3D"l_5">Site Map</a> | <a da=
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