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3fec67e/thelender/20240412_Bank-Statement-Expense-Factors.jpg" style=3D"dis=
play:block;height:auto;border:0;width:100%" width=3D"700" alt=3D"We are her=
e for you, America" title=3D"We are here for you, America" height=3D"auto">=
</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%"=20
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" styl=
e=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" cellspac=
ing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspac=
e:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td clas=
s=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"text_block block-1" width=3D"1=
00%" border=3D"0" cellpadding=3D"0" cellspacing=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-bottom:10px;padding-left:20px;padding-ri=
ght:20px;padding-top:15px"><div style=3D"font-family:sans-serif"><div=20
class style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-s=
ize:12px;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.=
2"><p style=3D"margin:0;text-align:center;mso-line-height-alt:14.3999999999=
99999px">
<span style=3D"font-size:16px;">theLender can help you navigate the complex=
ities of securing loans for your clients with diverse business types. With =
our Business Bank Statement Loans, we offer flexible options that utilize t=
he unique financial landscapes of different businesses.&nbsp;</span><br><st=
rong><span style=3D"font-size:22px;">Contact me today to learn how our stan=
dard expense </span></strong></p><p style=3D"margin:0;text-align:center;mso=
-line-height-alt:26.4px">
<strong><span style=3D"font-size:22px;">factors cater to a wide range of bu=
siness needs:&nbsp;</span></strong></p></div></div></td></tr></table></td><=
/tr></tbody></table></td></tr></tbody></table><table class=3D"row row-5" al=
ign=3D"center" 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"><=
tbody><tr><td><table class=3D"row-content stack" align=3D"center" border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;background-color:#fff;border=
-radius:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><t=
d class=3D"column column-1" width=3D"16.666666666666668%" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;padding-botto=
m:5px;padding-top:5px;vertical-align:top;border-top:0;border-right:0;border=
-bottom:0;border-left:0"><table class=3D"empty_block block-1" width=3D"100%=
" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=20
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><=
td class=3D"pad"><div></div></td></tr></table></td><td class=3D"column colu=
mn-2" width=3D"83.33333333333333%" style=3D"mso-table-lspace:0;mso-table-rs=
pace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top:5px;v=
ertical-align:top;border-top:0;border-right:0;border-bottom:0;border-left:0=
"><table class=3D"text_block block-1" width=3D"100%" border=3D"0" cellpaddi=
ng=3D"10" cellspacing=3D"0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><=
td class=3D"pad"><div style=3D"font-family:sans-serif"><div class style=3D"=
font-size:12px;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;mso-li=
ne-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p style=3D"=
margin:0;font-size:14px;mso-line-height-alt:16.8px"><strong>For the Consult=
ant or Service-Based Business - <span style=3D"color:#e4002b;">(15% Expense=
 Factor)</span></strong></p><p=20
style=3D"margin:0;mso-line-height-alt:16.8px"><strong style=3D"font-family:=
Arial,Helvetica Neue,Helvetica,sans-serif;font-family:Arial,Helvetica Neue,=
Helvetica,sans-serif;font-size:12px;background-color:transparent">&nbsp;Who=
 It's For:</strong><br>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;=E2=
=80=A2 &nbsp; &nbsp;Home-based businesses<br>&nbsp; &nbsp; &nbsp; &nbsp; &n=
bsp; &nbsp; &nbsp;=E2=80=A2 &nbsp; &nbsp;No inventory or stock requirements=
<br>
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;=E2=80=A2 &nbsp; &nbsp;Excl=
usively online with no physical storefront<br>&nbsp; &nbsp; &nbsp; &nbsp; &=
nbsp; &nbsp; &nbsp;=E2=80=A2 &nbsp; &nbsp;Operate without employees<br>&nbs=
p; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;=E2=80=A2 &nbsp; &nbsp;Independ=
ent or subcontracting professionals<br>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &=
nbsp; &nbsp;=E2=80=A2 &nbsp; &nbsp; Industries with minimal overhead costs<=
/strong></p></div></div></td></tr></table><table class=3D"text_block block-=
2"=20
width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"pr=
esentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break=
-word"><tr><td class=3D"pad"><div style=3D"font-family:sans-serif"><div cla=
ss style=3D"font-size:12px;font-family:Arial,Helvetica Neue,Helvetica,sans-=
serif;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.2">=
<p style=3D"margin:0;font-size:14px;mso-line-height-alt:16.8px">
<strong>Small Business Solutions - <span style=3D"color:#e4002b;">(30% Expe=
nse Factor) </span></strong></p><p style=3D"margin:0;font-size:14px;mso-lin=
e-height-alt:16.8px"><strong style=3D"font-family:Arial,Helvetica Neue,Helv=
etica,sans-serif;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font=
-size:12px;background-color:transparent">&nbsp;Who It's For:</strong></stro=
ng></p><p style=3D"margin:0;mso-line-height-alt:14.399999999999999px">
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;=E2=80=A2 &nbsp; &nbsp;Busi=
nesses with up to 5 employees<br>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; =
&nbsp;=E2=80=A2 &nbsp; &nbsp;Minimal inventory or stock needs<br>&nbsp; &nb=
sp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;=E2=80=A2 &nbsp; &nbsp;Affordable ren=
t relative to revenue<br>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;=
=E2=80=A2&nbsp; &nbsp; Traveling independents or subcontractors<br>&nbsp; &=
nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;=E2=80=A2&nbsp; &nbsp; Low overhead=
 sectors</p>
</div></div></td></tr></table><table class=3D"text_block block-3" width=3D"=
100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentatio=
n" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><t=
r><td class=3D"pad"><div style=3D"font-family:sans-serif"><div class style=
=3D"font-size:12px;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;ms=
o-line-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p style=
=3D"margin:0;font-size:14px;mso-line-height-alt:16.8px">
<strong>Medium to Large Business Financing - <span style=3D"color:#e4002b;"=
>(50% Expense Factor) </span></strong></p><p style=3D"margin:0;font-size:14=
px;mso-line-height-alt:16.8px"><strong style=3D"font-family:Arial,Helvetica=
 Neue,Helvetica,sans-serif;font-family:Arial,Helvetica Neue,Helvetica,sans-=
serif;font-size:12px;background-color:transparent">&nbsp;Who It's For:</str=
ong></strong></p><p style=3D"margin:0;mso-line-height-alt:14.39999999999999=
9px">
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;=E2=80=A2 &nbsp; &nbsp;Comp=
anies employing 5 or more individuals<br>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp;=
 &nbsp; &nbsp;=E2=80=A2 &nbsp; &nbsp;Operations requiring extensive invento=
ry or stock<br>&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;=E2=80=A2 &n=
bsp; &nbsp;Medium to large physical locations<br>&nbsp; &nbsp; &nbsp; &nbsp=
; &nbsp; &nbsp; &nbsp;=E2=80=A2 &nbsp; &nbsp;High overhead industries</p></=
div></div></td></tr></table></td></tr></tbody></table></td></tr></tbody></t=
able>
<table class=3D"row row-6" align=3D"center" width=3D"100%" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-l=
space:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content stac=
k" 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:700px;margin:0 auto" width=3D"=
700"><tbody><tr><td class=3D"column column-1" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;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:#e4002b;line-height:1.2"><p style=3D"ma=
rgin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8px"><span s=
tyle=3D"font-size:18px;"><strong>Plus, we require no CPA letter when using =
standard expense ratio option.&nbsp;</strong></span></p></div></div></td></=
tr></table></td></tr></tbody></table></td></tr></tbody></table><table class=
=3D"row row-7" align=3D"center" width=3D"100%" border=3D"0"=20
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content s=
tack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" rol=
e=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#00=
0;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column c=
olumn-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"0" cells=
pacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rs=
pace:0;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-bottom=
:20px;padding-left:10px;padding-right:10px;padding-top:10px"><div=20
style=3D"font-family:sans-serif"><div class style=3D"font-family:Arial,Helv=
etica Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14.39999=
9999999999px;color:#555;line-height:1.2"><p style=3D"margin:0;font-size:14p=
x;text-align:center;mso-line-height-alt:16.8px"><span style=3D"font-size:18=
px;"><strong>Cameron Leclair</strong></span></p><p style=3D"margin:0;font-s=
ize:14px;text-align:center;mso-line-height-alt:16.8px">
<strong>(949) 312-5374</strong>&nbsp;|&nbsp;<span style=3D"color:#000080;fo=
nt-size:14px;"><strong>cleclair@thelender.com&nbsp;</strong></span></p></di=
v></div></td></tr></table></td></tr></tbody></table></td></tr></tbody></tab=
le><table class=3D"row row-8" align=3D"center" width=3D"100%" border=3D"0" =
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content s=
tack" align=3D"center"=20
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e=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;width:700px;margin:0 =
auto" width=3D"700"><tbody><tr><td class=3D"column column-1" width=3D"100%"=
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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" ce=
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ght:10px"><div style=3D"max-width:700px"><img src=3D"https://d15k2d11r6t6rl=
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le-rspace:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D"font=
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lvetica,sans-serif;font-size:12px;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:16.8px">
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dy></table><table class=3D"row row-9" 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=
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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=
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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" height=3D"auto"></div></div></td></tr></tab=
le></td><td class=3D"column column-2" width=3D"75%" style=3D"mso-table-lspa=
ce:0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;=
border-top:0;border-right:0;border-bottom:0;border-left:0"><table=20
class=3D"html_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-tab=
le-rspace:0"><tr><td class=3D"pad"><div style=3D"font-family:Arial,Helvetic=
a Neue,Helvetica,sans-serif;text-align:center" align=3D"center"><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 li=
censes, visit www.nmlsconsumeraccess.com. Hometown Equity Mortgage, LLC, DB=
A theLender, 25531 Commercentre Dr #250, Lake Forest, CA 92630. Arizona Mor=
tgage Banker License No. BK-1018248. All loans must meet Hometown Equity Mo=
rtgage=E2=80=99s underwriting guidelines. This information is intended for =
the exclusive use of licensed real estate and mortgage lending professional=
s in accordance with local laws and regulations. Distribution to the genera=
l public is prohibited. Loans made or arranged pursuant to the California F=
inancing Law. </span></p>
</div><br />

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lor: rgb(255, 255, 255);">here</a>. You're receiving this communication fro=
m us because you've given Hometown Equity Mortgage, LLC d/b/a theLender you=
r email in the past, and we're trying to stay in touch with you. If you pre=
fer to contact us in writing, please mail any correspondence to 25531 Comme=
rcentre #250 Lake Forest, CA 92630.</span></p>
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