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><div class=3D"alignment" align=3D"center" style=3D"line-height:10px"><div=
=20
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/20240226_GPA_Special_tL_1.jpg" style=3D"display:block;hei=
ght:auto;border:0;width:100%" width=3D"700" alt=3D"We are here for you, Ame=
rica" title=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"=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;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:#06bc00;background-color:#ffffff;font-size:28px;">=
<span style=3D"background-color:#ffffff;"><strong>Save some GREEN all month=
 long.</strong></span></span></p><p style=3D"margin:0;font-size:28px;text-a=
lign:center;mso-line-height-alt:33.6px">
<span style=3D"color:#313131;"><span style=3D"font-size:22px;"><strong>theL=
ender is waiving</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:#06b=
c00;"><span style=3D"font-size:28px;"><strong>100% of the&nbsp;</strong></s=
pan><span style=3D"font-size:28px;"><span style><strong>LENDER&nbsp;</stron=
g></span><span style><strong>ORIGINATION FEES</strong></span></span></span>=
</p><p=20
style=3D"margin:0;font-size:28px;text-align:center;mso-line-height-alt:33.6=
px"><span style=3D"color:#313131;font-size:22px;"><strong>through the end o=
f the month!&nbsp;</strong></span></p><p style=3D"margin:0;font-size:28px;t=
ext-align:center;mso-line-height-alt:14.399999999999999px">&nbsp;</p><p sty=
le=3D"margin:0;font-size:28px;text-align:center;mso-line-height-alt:33.6px"=
><span style=3D"font-size:28px;color:#313131;"><strong><span style>What is =
G-PA?</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:28px;color:#06bc00;"><strong><span style>GAP P=
LATFORM ADVANCEMENT</span></strong></span></p><p style=3D"margin:0;font-siz=
e:28px;text-align:center;mso-line-height-alt:33.6px"><span style=3D"font-si=
ze:22px;">A Bridge Loan for First Time Home Buyers, </span></p><p style=3D"=
margin:0;font-size:28px;text-align:center;mso-line-height-alt:33.6px">
<span style=3D"font-size:22px;">First Time Investors,&nbsp;</span><span sty=
le=3D"font-size:22px;">and Experienced Investors too!</span></p><p style=3D=
"margin:0;font-size:28px;text-align:center;mso-line-height-alt:33.6px"><spa=
n style=3D"font-size:10px;">In order to be eligible for this special, the l=
oan must be submitted on or before March 31st, 2024 at 11:59pm EST</span></=
p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbody=
></table><table class=3D"row row-5" align=3D"center"=20
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><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-table-lspace:0;=
mso-table-rspace:0;background-color:#fff;border-radius:0;color:#000;width:7=
00px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" =
width=3D"25%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;padding-bottom:5px;vertical-align:top;border-top:0;border-right:0;borde=
r-bottom:0;border-left:0"><table class=3D"empty_block block-1" width=3D"100=
%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" s=
tyle=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div><=
/div></td></tr></table></td><td class=3D"column column-2" width=3D"58.33333=
3333333336%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;padding-bottom:5px;padding-top:5px;vertical-align:top;border-top:0;bord=
er-right:0;border-bottom:0;border-left:0"><table 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-table-rspace:0;word-break:br=
eak-word"><tr><td class=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;mso-line-height-alt:16.8px"><span style=3D"color:#e4002b;"><strong><spa=
n 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 ti=
me homebuyers - allowed</li><li>First Time Investors - allowed</li><li>Livi=
ng 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 to 65% LTV</li><li>Foreign National- No credit references requ=
ired</li><li>Short Term Rentals OK*</li><li>NO Min DSCR Options</li><li>Vac=
ant units - allowed&nbsp; &nbsp; &nbsp; &nbsp;</li></ul><p style=3D"margin:=
0;mso-line-height-alt:16.8px"><span style=3D"font-size:11px;">*By exception=
 only</span></p></div></div></td></tr></table></td><td class=3D"column colu=
mn-3" width=3D"16.666666666666668%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;padding-bottom:5px;padding-top:5px;vertical-align:top;border-top:0;bord=
er-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" role=3D=
"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td clas=
s=3D"pad"><div></div></td></tr></table></td></tr></tbody></table></td></tr>=
</tbody></table><table class=3D"row row-6" align=3D"center"=20
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><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-table-lspace:0;=
mso-table-rspace:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbo=
dy><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"95%"=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:2px solid #e4002b"><=
span>&#8202;</span></td></tr></table></div></td></tr></table><table class=
=3D"text_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"10" cell=
spacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-r=
space:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D"font-fam=
ily: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"=20
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><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-table-lspace:0;=
mso-table-rspace:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbo=
dy><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=
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hu9wTo0OUaGVFBVCOBowwUtaeOLHWOPZf7yEE6jz2_j5t74_7hTPt4VTYXmNtnkdkm1Y0CpsAQA=
D2lQRlapFZTlFDdqCAVTeGeUPkErGZqq2xiQyTVjgK3VaKq2HcpvlxDSPNdai0FCmISfvBksVhn=
wsMLjg6Wiya6WB7PHKfN-EOQl9Efqy7_vh35vQF7nGtNSVdmFhY1r7tHyV1J-s7fa9Fno60Zymn=
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n: underline; color: #E4002B;" href=3D"http://email.thelender.com/c/eJxUkDu=
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jSTK-phLv998vfhLz_mf5_r39fO4b7tlLMxB_BO69rRNBKGnQ1g7CyJvBgnXcpI5-DEkoLEE5aA=
9JeRMzJVShKA0SEyrSgBzZcC_ZL3hY-Ey5TCSVLB5hwSNGaQWMRQ7pmMRhv8QrJ1FwFb-FBtB8M=
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9YC0npNEBxUXgDMKRivM0l8TkooYzQwknba2kvIkJyRWdltI6oCzOCHlhxzdgusC18JlymHDJIp=
zFhl6LtO4NZdGkA0fXe4qBTX6AIXsODaD-YvjI1MjWe53n588bUuGyN7vGO3R4brdiYGnkLcc0N=
T2bEQdjqvN4h1hf-2L4a4EsTlzjXVONBnHDZaySccvj_E-XaOy-_AwAA__8rNGXb" target=3D=
"_blank" rel=3D"noopener">Mortgage Partner</a>&nbsp;| <a style=3D"text-deco=
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xUkLtq9DAUhJ9G6rwc3aVCxbJg8N_9JClS6nKcNcgX7BPMvn1gN03aKWbm-2o0zgmnOUbhIHgFK=
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rFHCXiCV7EZVpVYqoRqZBrpjw6XifinrzCfCeaixFuEUZuxysqbTWKHLvkBngkWvshnLCLzFO9F=
2MHVlsmeyP8_z8qeNyb68znaSyZ7vMS11x5NpOAj3Ni1fJbXn7rF-7wWffDinqeWWDuKE89YS4V=
Dj_5eNq3FB_AQAAP__gf9h3g" target=3D"_blank" rel=3D"noopener">Contact</a>
</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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