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Date: Tue, 6 Feb 2024 13:04:55 -0800 (PST)
From: snelson@thelender.com
To: andrew@sterlingcal.com
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Subject: ITIN Loans | Up to 80 LTV | Loan Amounts up to 1.5 Million | Bank
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ITIN QUALIFIER
Full Doc, Bank Statements or 1099's

### A great option for those borrowers who may not be able to qualify for a=
 traditional mortgage loan because they do not have a SSN.

Max 1.5 Million Loan Amount

Min 680 FICO

Owner Occupied Only

Max LTV up to 80%

DTI up to max 50%

Bank Statement, Full Doc & 1099 income options

No housing history needed ***see matrix for restrictions

Unexpired Government Photo ID and ITIN Card or Letter from IRS required

mailto:snelson@thelender.com?subject=3DLoan%20Scenarios%20 Loan Scenarios C=
lick Here

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

https://wholesale.thelender.com/qm-products/ Products and Matrix Click Here

Hometown Equity Mortgage, LLC (NMLS #133519)
dba theLender. All Rights Reserved.
NMLS #133519. CL =E2=80=93 133519

For licensing information, go to: http://www.nmlsconsumeraccess.org/ http:/=
/www.nmlsconsumeraccess.org/

https://wholesale.thelender.com/licensing/ Licensing [ https://wholesale.th=
elender.com/licensing/ ]| https://wholesale.thelender.com/site-map/ Site Ma=
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r.com/privacy/ Privacy [ https://wholesale.thelender.com/privacy/ ]
https://wholesale.thelender.com/feedback/ Anonymous Feedback to theLender [=
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This website is for professional use only and is a business to business com=
munication not intended for consumers.

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ly:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-h=
eight: 19pt; text-align: center;"><font face=3D"Arial, Helvetica" style><fo=
nt color=3D"#fe0713" style=3D"font-size: 14pt;"><b style>ITIN QUALIFIER</b>=
</font></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 face=3D"Arial, Helvetica" style><font color=3D"#fe0713=
" style=3D"font-size: 14pt;"><b style>Full Doc, Bank Statements or 1099's</=
b></font></font></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1704999154705" 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_1704999154705" 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:15pt;border-top=
:0px none ;   border-bottom:0px none ;padding-top:0px;padding-bottom:7px;pa=
dding-right:15px;padding-left:15px;">
             =09    =09=09<div componentlineheight=3D"15pt" componentpaddin=
gbottom=3D"7px" componentpaddingleft=3D"15px" componentpaddingright=3D"15px=
" componentpaddingtop=3D"0px" style=3D"line-height: 15pt;"><p align=3D"cent=
er" style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12px; colo=
r:#000000;padding:0px;margin: 0;text-align: center; line-height: 15pt;"><sp=
an style=3D"line-height: 15pt;"><font style=3D"font-size: 12pt; line-height=
: 15pt;">

</font></span></p><h3 style=3D"font-family:Arial,verdana,Helvetica, sans-se=
rif;font-size: 24px;color:#000000; font-weight:normal; color:#000000;paddin=
g: 0px;margin: 0;text-align: center;"><font style=3D"font-size: 11pt; line-=
height: 15pt;">A great option for those borrowers who may not be able to qu=
alify for a traditional mortgage loan because they do not have a SSN.</font=
></h3>

<p style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding=
:0px;margin: 0;line-height: 15pt;"></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1704999873038" 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_1704999873038"=
 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: 85%; margin: auto; border-collapse: init=
ial;" width=3D"85%"> <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; </td> </tr></tbody></ta=
ble></div>
=09=09=09</td></tr></tbody></table>
=09=09=09</div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698958045450" 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_1698958045450" 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:15pt;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"15pt" style=3D"line-h=
eight: 15pt;"><div align=3D"center" style=3D"text-align: center;"><span sty=
le=3D"line-height: 15pt;">

<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: 15pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"col=
or: rgb(0, 0, 0); font-size: 11pt; line-height: 15pt;"><b style>Max 1.5 Mil=
lion Loan Amount</b></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-align: center; line-height: 15pt;"><font color=3D"#000000" face=3D=
"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 11pt; line-heig=
ht: 15pt;"><b><br></b></font></p><p align=3D"center" style=3D"line-height:1=
.7;font-family:Arial,verdana;font-size:12px; color:#000000;padding:0px;marg=
in: 0;text-align: center; line-height: 15pt;"><font color=3D"#000000" face=
=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 11pt; line-h=
eight: 15pt;"><b>Min 680 FICO</b></font></p><p align=3D"center" style=3D"li=
ne-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;paddi=
ng:0px;margin: 0;text-align: center; line-height: 15pt;"><font color=3D"#00=
0000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 11=
pt; line-height: 15pt;"><b><br></b></font></p><p align=3D"center" style=3D"=
line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding:0px;margin: 0;text-align: center; line-height: 15pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-size: =
11pt; line-height: 15pt;"><b>Owner Occupied Only</b></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-align: center; line-height: 15pt;"=
><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0=
, 0); font-size: 11pt; line-height: 15pt;"><b><br></b></font></p><p align=
=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12=
px; color:#000000;padding:0px;margin: 0;text-align: center; line-height: 15=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); font-size: 11pt; line-height: 15pt;"><b>Max LTV up to 80%</b></fo=
nt></p><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: 15pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color: rgb(0, 0, 0); font-size: 11pt; line-height: 15pt;"><b><br></b></=
font></p><p align=3D"center" style=3D"line-height:1.7;font-family:Arial,ver=
dana;font-size:12px; color:#000000;padding:0px;margin: 0;text-align: center=
; line-height: 15pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" sty=
le=3D"color: rgb(0, 0, 0); font-size: 11pt; line-height: 15pt;"><b>DTI up t=
o max 50%</b></font></p><p align=3D"center" style=3D"line-height:1.7;font-f=
amily:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;tex=
t-align: center; line-height: 15pt;"><font color=3D"#000000" face=3D"Arial,=
 Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 11pt; line-height: 15p=
t;"><b><br></b></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;t=
ext-align: center; line-height: 15pt;"><font color=3D"#000000" face=3D"Aria=
l, Helvetica" style=3D"color: rgb(0, 0, 0); font-size: 11pt; line-height: 1=
5pt;"><b>Bank Statement, Full Doc & 1099 income options</b></font></p><p al=
ign=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-height:=
 15pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: r=
gb(0, 0, 0); font-size: 11pt; line-height: 15pt;"><br></font></p><p align=
=3D"center" style=3D"line-height:1.7;font-family:Arial,verdana;font-size:12=
px; color:#000000;padding:0px;margin: 0;text-align: center; line-height: 15=
pt;"><font color=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(=
0, 0, 0); font-size: 11pt; line-height: 15pt;"><b>No housing history needed=
 ***see matrix for restrictions</b></font></p><p align=3D"center" style=3D"=
line-height:1.7;font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding:0px;margin: 0;text-align: center; line-height: 15pt;"><font color=3D"#=
000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-size: =
11pt; line-height: 15pt;"><b><br></b></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-align: center; line-height: 15pt;"><font color=
=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0); font-s=
ize: 11pt; line-height: 15pt;"><b style>Unexpired Government Photo ID and I=
TIN Card or Letter from IRS required</b></font></p>

</span><br></div></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =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:7px;paddin=
g-bottom:11px;padding-right:7px;padding-left:7px;">
        <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:0px;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:0p=
x;height:37px;v-text-anchor:middle;width:210px;" arcsize=3D"0%" 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;">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:210px;height:37px;font-size:11pt;direction:ltr;font-famil=
y:Arial;color:#ffffff;cursor:pointer;text-decoration:none;border-radius:0px=
;border:0px solid #ffffff;border-collapse:separate;display:table;mso-hide:a=
ll;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>
</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:=
0px;padding-left:0px;">
=09=09=09<img align=3D"left" alt=3D"https://stratus.campaign-image.com/imag=
es/1166828000010997479_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/1166828000010997479_zc_v1_169895835=
4883_jason_briscoe_gliahaj3_5a_unsplash.jpg" style=3D"width:600px;height:au=
topx;max-width:600px !important;border:0px;text-align:left;" vspace=3D"0" w=
idth=3D"600">
=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_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;=
 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;"><b style=3D"font-size: 11pt; font-family: Arial, Helvetica; =
background-color: transparent;">Sam <font color=3D"#fe0713">Nelson</font> -=
 Account Executive</b><br></p><p align=3D"center" style=3D"font-family:Aria=
l,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, Hel=
vetica" style=3D"color: rgb(0, 0, 0);"><font><font><font style=3D"font-size=
: 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; colo=
r:#000000;padding:0px;margin: 0;line-height: 19pt; text-align: center;"><fo=
nt 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 style=3D"font-size: 11pt;">Email: snelson@thelender.com</fon=
t></font></font></p><font color=3D"#000000" face=3D"Arial, Helvetica" style=
=3D"color:#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>
=09=09=09</td></tr>
=09=09</tbody></table>
       =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



















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t=3D"48" style=3D" mso-table-lspace:0pt; mso-table-rspace:0pt;font-size:12p=
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pse; mso-table-lspace:0pt; font-size:12px;font-family:Arial, Helvetica, san=
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rder-top:none none none;border-bottom:none none none;padding-top:7px;paddin=
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        <div class=3D"zpelement-wrapper buttonElem" id=3D"elm_1698958082843=
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                <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:115px;text-align:center;cursor:pointer;">
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=09=09=09=09=09=09=09<font style=3D"color:#ffffff;display:table-cell;vertic=
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                     =09=09   Products and Matrix Click Here
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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=
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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=
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=
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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/1166828000010997479_zc_v1_1698958443150_thelender_red_background.jpg" cl=
ass=3D"zpImage" height=3D"auto" hspace=3D"0" size=3D"F" src=3D"https://stra=
tus.campaign-image.com/images/1166828000010997479_zc_v1_1698958443150_thele=
nder_red_background.jpg" style=3D"width:570px;height:autopx;max-width:570px=
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=09=09=09</td></tr>
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<tr><td class=3D"txtsize" id=3D"elm_1698958472806" 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_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=
=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=
2tRdr0isTYoMszXWhv1Qbx" href=3D"https://mofway-zgph.maillist-manage.net/cli=
ck/1103167e246abe9fd/1103167e246a28f0b" rel=3D"noopener noreferrer" style=
=3D"text-decoration:underline;color: rgb(51, 51, 51);" target=3D"_blank" zc=
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/1103167e246abe9fd/1103167e246a28=
f0d" 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=
2z7KlaUlEZv3QVip" href=3D"https://mofway-zgph.maillist-manage.net/click/110=
3167e246abe9fd/1103167e246a28f0f" rel=3D"noopener noreferrer" style=3D"text=
-decoration:underline;color: rgb(51, 51, 51);" target=3D"_blank" zcurl_name=
=3D"l_6">Privacy</a></font></font></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"#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=3D"font-size: 9pt;"><font><font> </font></fo=
nt><font><font><a data-saferedirecturl=3D"https://www.google.com/url?q=3Dht=
tps://wholesale.thelender.com/feedback/&source=3Dgmail&ust=3D16990442720400=
00&usg=3DAOvVaw2impa7HjKs1QFU9Mvl5Naf" href=3D"https://mofway-zgph.maillist=
-manage.net/click/1103167e246abe9fd/1103167e246a28f11" rel=3D"noopener nore=
ferrer" style=3D"text-decoration:underline;color: rgb(51, 51, 51);" target=
=3D"_blank" zcurl_name=3D"l_7">Anonymous Feedback to theLender</a></font></=
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;mar=
gin: 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 styl=
e=3D"font-size: 9pt;"><br></font></font></font></font></p><p align=3D"cente=
r" style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;padding=
:0px;margin: 0;line-height: 19pt; text-align: center;"><font color=3D"#0000=
00" 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><f=
ont style=3D"font-size: 9pt;"></font></font></font></font></p><p align=3D"c=
enter" style=3D"font-family:Arial,verdana;font-size:12px; color:#000000;pad=
ding: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 colo=
r=3D"#000000" face=3D"Arial, Helvetica" style=3D"color: rgb(0, 0, 0);"><fon=
t style><font style=3D"font-size: 8pt;"><font style>This website is for pro=
fessional use only and is a </font><font style><font>business to</font> <fo=
nt>business </font></font><font style>communication not intended for consum=
ers.</font></font></font></font></font></p><font color=3D"#000000" face=3D"=
Arial, Helvetica" style=3D"color:#000000;font-size: 12pt;">

</font><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;"=
></p></div>
=09=09=09</td></tr>
=09=09</tbody></table>
       =09  </div>
</td></tr>
<tr><td class=3D"txtsize" id=3D"elm_1698958739636" 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_1698958739636" style=
=3D";word-wrap:break-word;overflow:hidden;padding-right:0px;background-colo=
r:#f4f4f4;">
=09    =09<table bgcolor=3D"#f4f4f4" border=3D"0" cellpadding=3D"0" cellspa=
cing=3D"0" class=3D"zpAlignPos" style=3D" mso-table-lspace:0pt; mso-table-r=
space:0pt;font-size:12px;padding:0px;border:0px;border-collapse:collapse; m=
so-table-lspace:0pt; mso-table-rspace:0pt;word-break:break-word;-ms-text-si=
ze-adjust: 100%;-webkit-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:20px;padding-bottom:20px;=
padding-right:15px;padding-left:15px;">
             =09    =09=09<div componentbgcolor=3D"#f4f4f4" componentpaddin=
gbottom=3D"20px" componentpaddingleft=3D"15px" componentpaddingright=3D"15p=
x" componentpaddingtop=3D"20px" style><p align=3D"center" style=3D"font-fam=
ily:Arial,verdana;font-size:12px; color:#000000;padding:0px;margin: 0;line-=
height: 19pt; text-align: center;"><font color=3D"#333333" face=3D"Arial, H=
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