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Subject: theLender - 50 BPS Price Special on theNONI
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dES1l5VxY24bVOy1em-vh9th58PNNUx0qbaOH5Vkl4KOnlaaM__7MfPwEAAP__5MRgHg" targe=
t=3D"_blank" rel=3D"noopener">&nbsp;</a><a style=3D"text-decoration: none; =
color: #FFFFFF;" href=3D"http://email.thelender.com/c/eJxUkLtu6zAQBb9G7GQsV=
ys-ChaGLwTodkGcIukocmML0AvUBoL_PoCTJu0pzmAmh9ZabUlx0FaTMb51RvEiozz6HC7m7b8_=
g7689u-_6_Wxcbisi8Qk6h6oQZ0bJqQWPq1uyFomb2LTZkjsGzUGBCRoAbUFg-YEQyLjQXvjI7T=
JVQRy54mXzOWU1lmNwnOfg40ueetcjQmoJguuHozH2kcN6PLQDA7VFO4i21415wq7CrvjOE5_3i=
rs5rXILd643mKRhUuFnSohLrnwURHswmUal1uK0xO_r18l8VOT5zhOwxR3UcLzNkXhPoeXnyjd9=
R99fAcAAP__IptiSg" target=3D"_blank" rel=3D"noopener">Become<span style=3D"=
color:#e4002b;font-size:14px;">_</span>a<span style=3D"color:#e4002b;font-s=
ize:14px;">_</span>Partner </a></strong><a style=3D"text-decoration: none; =
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g7689u-_6_Wxcbisi8Qk6h6oQZ0bJqQWPq1uyFomb2LTZkjsGzUGBCRoAbUFg-YEQyLjQXvjI7T=
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rs5rXILd643mKRhUuFnSohLrnwURHswmUal1uK0xO_r18l8VOT5zhOwxR3UcLzNkXhPoeXnyjd9=
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GzUGBCRoAbUFg-YEQyLjQXvjI7TJVQRy54mXzOWU1lmNwnOfg40ueetcjQmoJguuHozH2kcN6PL=
QDA7VFO4i21415wq7CrvjOE5_3irs5rXILd643mKRhUuFnSohLrnwURHswmUal1uK0xO_r18l8V=
OT5zhOwxR3UcLzNkXhPoeXnyjd9R99fAcAAP__IptiSg" target=3D"_blank" rel=3D"noop=
ener">&nbsp;</a><a style=3D"text-decoration: none; color: #FFFFFF;" href=3D=
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pEmCL99wEmT9iu-wzk1GueU05KickpbG4y3klae-THWeLFv_8MZ1OV1fP9dr487xctt5VRYTrHP=
velDzUjZBFNDrz1BsoUgl2yKkXNEQA0GUDmwaE-Qi7YBVLAhgSleaOCJGq2VtlO5LXJmWsYaXfI=
lOO87LKA77cB32QbsQlKAvuY-e5QtTsz3XfRngYPA4TiO0583gcOWmPaJiHeBg9xiWutGh9CwM2=
1tXj9Lak_wfvvaCj0FaUlzyy3tLJmWe0tMY40vPzmG6z_98R0AAP__1GRhIQ" target=3D"_bl=
ank" rel=3D"noopener">Rates</a></strong></span>
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dy></table><table class=3D"row row-3" align=3D"center" width=3D"100%" borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"=
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ontent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
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<tbody>
<tr><td class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:=
0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;bor=
der-top:0;border-right:0;border-bottom:0;border-left:0"><table class=3D"ima=
ge_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=
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"><tr><td class=3D"pad" style=3D"width:100%;padding-right:0;padding-left:0"=
><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/20240501_NoniSpecial_tL.jpg" style=3D"display:block;heigh=
t:auto;border:0;width:100%" width=3D"700" alt=3D"We are here for you, Ameri=
ca" 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 cl=
ass=3D"row row-4" 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"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;font-size:26px;mso-line-height-al=
t:31.2px"><span style=3D"font-size:22px;">This month only, theLender is off=
ering a</span></p><p style=3D"margin:0;text-align:center;font-size:26px;mso=
-line-height-alt:31.2px"><span style=3D"font-size:50px;color:#e4002b;"><str=
ong>50 BPS Price Special</strong></span></p><p=20
style=3D"margin:0;text-align:center;font-size:26px;mso-line-height-alt:31.2=
px"><span style=3D"font-size:22px;">on our signature DSCR product</span></p=
><p style=3D"margin:0;text-align:center;font-size:26px;mso-line-height-alt:=
31.2px"><span style=3D"font-size:50px;color:#e4002b;"><strong>theNONI</stro=
ng></span></p><p style=3D"margin:0;text-align:center;font-size:26px;mso-lin=
e-height-alt:31.2px"><span style=3D"font-size:22px;color:#e4002b;"><strong>=
Non-Owner, No Income.</strong></span></p><p=20
style=3D"margin:0;text-align:center;font-size:26px;mso-line-height-alt:31.2=
px"><span style=3D"font-size:12px;">Only valid on Wholesale loans submitted=
 through May 31st, 2024.&nbsp; NONI58 and nearNONI not eligible.</span></p>=
</div></div></td></tr></table></td></tr></tbody></table></td></tr></tbody><=
/table><table class=3D"row row-5" align=3D"center" width=3D"100%" border=3D=
"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-=
table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table=20
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-ta=
ble-rspace:0;background-color:#fff;border-radius:0;color:#000;width:700px;m=
argin:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" width=
=3D"50%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;tex=
t-align:left;padding-bottom:5px;padding-top:5px;vertical-align:top;border-t=
op:0;border-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"><ul style=3D"line-height:1.2;mso-line-height-alt:16.8px"><li=
>As little as 0 months reserves (Use property<br>cashflow to qualify)
</li><li>FICOS As Low As 640</li><li>No LTV Restrictions on 2-4 units</li><=
li>40 Year Fully Amortized Term</li><li>Rural Properties =E2=80=93 Allowed =
max 10 acres</li><li>100% gift funds allowed if borrower can verify they ha=
ve 5% of their own funds</li><li>Recently listed properties allowed with mi=
n prepay of 1 yr.</li><li>Use Highest mid score for any borrower on the loa=
n for both qualifying and pricing</li><li>Living Rent Free Allowed for Expe=
rienced Investors Only</li><li>
Use actual rents received with 2 months documentation dated prior to applic=
ation date</li><li>STR=E2=80=99s allowed up to 75% LTV</li></ul></div></div=
></td></tr></table></td><td class=3D"column column-2" width=3D"50%" style=
=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;p=
adding-bottom:5px;padding-top:5px;vertical-align:top;border-top:0;border-ri=
ght:0;border-bottom:0;border-left:0"><table class=3D"text_block block-1" wi=
dth=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0"=20
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-b=
reak: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,Helve=
tica,sans-serif;mso-line-height-alt:14.399999999999999px;color:#555;line-he=
ight:1.2"><p style=3D"margin:0;mso-line-height-alt:14.399999999999999px">&n=
bsp;</p><p style=3D"margin:0;mso-line-height-alt:14.399999999999999px"><str=
ong>NONI Cash Out</strong></p><ul=20
style=3D"line-height:1.2;mso-line-height-alt:14.399999999999999px"><li><spa=
n style=3D"background-color:transparent;">Going to 75% LTV on Cash Out Tran=
sactions (min 700)</span></li><li>Going to 70% LTV on Cash Out Transactions=
 (min 660+)</li></ul><p style=3D"margin:0;mso-line-height-alt:14.3999999999=
99999px">&nbsp;</p><p style=3D"margin:0;mso-line-height-alt:14.399999999999=
999px"><strong>NONI Purchase & R/T</strong></p><ul style=3D"line-height:1.2=
;mso-line-height-alt:14.399999999999999px"><li>
Going to 80% LTV on Purchase (min 700)</li><li>Going to 75% LTV on Purchase=
 (min 660+)</li><li>Going to 75% LTV on R/T Transactions (min 660+)</li></u=
l><p style=3D"margin:0;mso-line-height-alt:14.399999999999999px">&nbsp;</p>=
<p style=3D"margin:0;mso-line-height-alt:14.399999999999999px">&nbsp;</p><p=
 style=3D"margin:0;mso-line-height-alt:14.399999999999999px">&nbsp;</p></di=
v></div></td></tr></table></td></tr></tbody></table></td></tr></tbody></tab=
le><table class=3D"row row-6" 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"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-7" 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
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" styl=
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%"=
 style=3D"mso-table-lspace: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 class=3D"image_block block-1" width=3D"100%" border=3D"0" ce=
llpadding=3D"0" cellspacing=3D"0" role=3D"presentation"=20
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"center" style=3D"line-hei=
ght:10px"><div style=3D"max-width:700px"><img src=3D"https://d15k2d11r6t6rl=
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7e/thelender/footer.jpg" style=3D"display:block;height:auto;border:0;width:=
100%" width=3D"700" height=3D"auto"></div></div></td></tr></table><table cl=
ass=3D"text_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"10"=
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cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D"font=
-family:sans-serif"><div class style=3D"font-family:Arial,Helvetica Neue,He=
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">
<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://ema=
il.thelender.com/c/eJxUkLtu6zAQBb9G7GQsVxS5LFgYvhCg2wVxiqTjYx0LoGRD2kDw3wdw=
0qQ9xRnMlNA7p51RHLTTxlrfk1W8yCSPsYSTffvvj6BPr-P773p-3DmcbovELOoawDBT7Lpy0UC=
JIveWsSuOqTBcuKgpIKCBHlA7sGgPkLKxHrS3PkKfqTEgV668FF4P-TarSXgeS3CRsndELWYwrX=
FAbbIeWx81IJXUJUJVw1XkvjXdscGhwWHf98OftwYHtYa4lJX3xsAmvNZp-cyxPlnb7WvN_HTiO=
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jxuF0zJzzCyv4YKXaAEu3qbUpZKxTdFQxGLblDvn5BgQUEMHqCwYNAdIWRsPyhsfoctOaOArVZo=
LrYe8THJkmoYSbHTZW-cazKAbbcE1yXhsfFSArqQ2OZQ1XJlvm2iPAnuB_b7vhz9pAvuYljs3vy=
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Q" target=3D"_blank" rel=3D"noopener">About Us</a>&nbsp;| <a style=3D"text-=
decoration: underline; color: #E4002B;" href=3D"http://email.thelender.com/=
c/eJxUkLtu4zAQRb9G7GQMxyM-ChaGFwK03WKdIukochALoB6gxhD89wGcNGlvcQ_OyaGzVltSH=
LTVZIzvnFG8yCTPIYerefvrL6Cv_4f3n_X23Dhc10ViEnUPMaF1kcmQc0kzMpnEiUYY2bqMpKaA=
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q4S6y7c350mDfYH8cx-nXW4N9jcJ7u9U1P5LsDfaqhrjkykdDsAvXMi2fKZYXfF8fNfFLkuc4lb=
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roducts</a>&nbsp;| <a style=3D"text-decoration: underline; color: #E4002B;"=
 href=3D"http://email.thelender.com/c/eJxUkLtu6zAQBb9G7GQsVys-ChaGLwTodkGcI=
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i8Qk6h6oQZ0bJqQWPq1uyFomb2LTZkjsGzUGBCRoAbUFg-YEQyLjQXvjI7TJVQRy54mXzOWU1lm=
NwnOfg40ueetcjQmoJguuHozH2kcN6PLQDA7VFO4i21415wq7CrvjOE5_3irs5rXILd643mKRhU=
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r">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" 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 />

<div style=3D"font-size: 11px; line-height: 14px; font-family: Arial; color=
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  <p style=3D"font-size: 12px; line-height: 14px; margin: 0;"><span style=
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