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Subject: VA Loans go above and beyond
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ZlgooMAvta8yCSPbkwnfznHI5jT_-79N317rJxO90VoEH1LBmMYuGF2NfW-gfrqro3pkRkGvHrS=
U0JACx6D8c5AffgBuGHvvGMC6JUFuXHmZeRyGO6znoTnbkzsoq_RmsogxsqC6atoY1MBBaYGkKA=
nndNNZN1UfVTYKmz3fT_8aVPYFt7un2XgTWGrS6JlLLwrC5twydPyMVB-7r6o5z-eacp9pk208L=
xmEu7G9O9lAy7Bn_VXwu8AAAD__0nmYhQ" target=3D"_blank" rel=3D"noopener">&nbsp=
;</a><a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://ema=
il.thelender.com/c/eJxUkLtqw0AQRb9G28nMjvYhFVsYg0DuQuIi5exqZAv0YjWJ8N8HnDRp=
b3EP5_TBeq-9URy0140FD65SvMgoz64PF3e7NmfQl_fu82_9eG4cLusilEQ9goeBfVWnaKPmBM4=
OGgirZJKNlcaoxoCABhx67ayG6jTYoeaanXWWCSAWBuTBEy8951NaZzUKz10f2DauQqNLjdiUBn=
QsG9PUJZBnqgEJIqkpPES2vajOBbYFtsdxnP69FdjOa5Y73bncKMvCucBW5UBLn_koDOzCeRqXe=
6Lphd_Xr5z4pckzjVOcaBclPG8TCXd9ePuNAjfvruo74E8AAAD__9LXZG8" target=3D"_blan=
k" rel=3D"noopener">Become<span style=3D"color: #e4002b; font-size: 14px;">=
_</span>a<span style=3D"color: #e4002b; font-size: 14px;">_</span>Partner <=
/a></strong><a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"htt=
p://email.thelender.com/c/eJxUkLtqw0AQRb9G28nMjvYhFVsYg0DuQuIi5exqZAv0YjWJ8=
N8HnDRpb3EP5_TBeq-9URy0140FD65SvMgoz64PF3e7NmfQl_fu82_9eG4cLusilEQ9goeBfVWn=
aKPmBM4OGgirZJKNlcaoxoCABhx67ayG6jTYoeaanXWWCSAWBuTBEy8951NaZzUKz10f2DauQqN=
LjdiUBnQsG9PUJZBnqgEJIqkpPES2vajOBbYFtsdxnP69FdjOa5Y73bncKMvCucBW5UBLn_koDO=
zCeRqXe6Lphd_Xr5z4pckzjVOcaBclPG8TCXd9ePuNAjfvruo74E8AAAD__9LXZG8" target=
=3D"_blank" rel=3D"noopener">|</a><strong><a style=3D"text-decoration: none=
; color: #FFFFFF;" href=3D"http://email.thelender.com/c/eJxUkLtqw0AQRb9G28n=
MjvYhFVsYg0DuQuIi5exqZAv0YjWJ8N8HnDRpb3EP5_TBeq-9URy0140FD65SvMgoz64PF3e7Nm=
fQl_fu82_9eG4cLusilEQ9goeBfVWnaKPmBM4OGgirZJKNlcaoxoCABhx67ayG6jTYoeaanXWWC=
SAWBuTBEy8951NaZzUKz10f2DauQqNLjdiUBnQsG9PUJZBnqgEJIqkpPES2vajOBbYFtsdxnP69=
FdjOa5Y73bncKMvCucBW5UBLn_koDOzCeRqXe6Lphd_Xr5z4pckzjVOcaBclPG8TCXd9ePuNAjf=
vruo74E8AAAD__9LXZG8" target=3D"_blank" rel=3D"noopener">&nbsp;</a><a style=
=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://email.thelender.=
com/c/eJxUkD-L4zAQRz-N1DmMxvpjFSpCwOB0x12KK0fW5GyQnWDPrcm3X8hus-2v-D3eK8mFY=
ILVnEww0UEA32peZZbXUNLF367xDObye_j7vf55PTldHqvQKHpKADEae2fXRY9UOsyWs7MFyZaY=
i9FzQkALHoPxzkB7urt7xx175x0TQFYWZOLKa-HtND4WPQsvQ0nsom_RmsYgxsaCyU20sWuAAlM=
HSJBJ1zSJPHfVnhX2CvvjOE4_3hT2GwnvE7PsCnu9JVrLxoeysAtvdV7_jVTf4P3xfxv5LcgLzT=
VX2kULL89KwkNJv75ywC34q_5I-BkAAP__UTxiEg" target=3D"_blank" rel=3D"noopener=
">Rates</a></strong></span></p>
												</div>
											</div>
											<!--[if mso]></td></tr></table><![endif]-->
											<!--[if (!mso)&(!IE)]><!-->
										</div>
										<!--<![endif]-->
									</div>
								</div>
								<!--[if (mso)|(IE)]></td></tr></table><![endif]-->
								<!--[if (mso)|(IE)]></td></tr></table></td></tr></table><![endif]--=
>
							</div>
						</div>
					</div>
					<div style=3D"background-color:transparent;">
						<div class=3D"block-grid " style=3D"min-width: 320px; max-width: 700p=
x; overflow-wrap: break-word; word-wrap: break-word; word-break: break-word=
; Margin: 0 auto; background-color: #FFFFFF;">
							<div style=3D"border-collapse: collapse;display: table;width: 100%;b=
ackground-color:#FFFFFF;">
								<!--[if (mso)|(IE)]><table width=3D"100%" cellpadding=3D"0" cellspa=
cing=3D"0" border=3D"0" style=3D"background-color:transparent;"><tr><td ali=
gn=3D"center"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=
=3D"width:700px"><tr class=3D"layout-full-width" style=3D"background-color:=
#FFFFFF"><![endif]-->
								<!--[if (mso)|(IE)]><td align=3D"center" width=3D"700" style=3D"bac=
kground-color:#FFFFFF;width:700px; border-top: 0px solid transparent; borde=
r-left: 0px solid transparent; border-bottom: 0px solid transparent; border=
-right: 0px solid transparent;" valign=3D"top"><table width=3D"100%" cellpa=
dding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td style=3D"padding-right: =
0px; padding-left: 0px; padding-top:0px; padding-bottom:0px;"><![endif]-->
								<div class=3D"col num12" style=3D"min-width: 320px; max-width: 700p=
x; display: table-cell; vertical-align: top; width: 700px;">
									<div class=3D"col_cont" style=3D"width:100% !important;">
										<!--[if (!mso)&(!IE)]><!-->
										<div style=3D"border-top:0px solid transparent; border-left:0px s=
olid transparent; border-bottom:0px solid transparent; border-right:0px sol=
id transparent; padding-top:0px; padding-bottom:0px; padding-right: 0px; pa=
dding-left: 0px;">
											<!--<![endif]-->
											<div class=3D"img-container center  autowidth  fullwidth big" al=
ign=3D"center" style=3D"padding-right: 0px;padding-left: 0px;">
												<!--[if mso]><table width=3D"100%" cellpadding=3D"0" cellspacin=
g=3D"0" border=3D"0"><tr style=3D"line-height:0px"><td style=3D"padding-rig=
ht: 0px;padding-left: 0px;" align=3D"center"><![endif]--><img class=3D"cent=
er  autowidth  fullwidth" align=3D"center" border=3D"0" src=3D"https://d15k=
2d11r6t6rl.cloudfront.net/public/users/Integrators/3fd3a448-3d02-49a4-af26-=
a82213fec67e/ADMIN/editor_images/VA%20Loans.jpg" alt=3D"VA Loans" title=3D"=
VA Loans" style=3D"text-decoration: none; -ms-interpolation-mode: bicubic; =
height: auto; border: 0; width: 700px; max-width: 100%; display: block;" wi=
dth=3D"700">
												<!--[if mso]></td></tr></table><![endif]-->
											</div>
											<!--[if (!mso)&(!IE)]><!-->
										</div>
										<!--<![endif]-->
									</div>
								</div>
								<!--[if (mso)|(IE)]></td></tr></table><![endif]-->
								<!--[if (mso)|(IE)]></td></tr></table></td></tr></table><![endif]--=
>
							</div>
						</div>
					</div>
					<div style=3D"background-color:transparent;">
						<div class=3D"block-grid " style=3D"min-width: 320px; max-width: 700p=
x; overflow-wrap: break-word; word-wrap: break-word; word-break: break-word=
; Margin: 0 auto; background-color: transparent;">
							<div style=3D"border-collapse: collapse;display: table;width: 100%;b=
ackground-color:transparent;">
								<!--[if (mso)|(IE)]><table width=3D"100%" cellpadding=3D"0" cellspa=
cing=3D"0" border=3D"0" style=3D"background-color:transparent;"><tr><td ali=
gn=3D"center"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=
=3D"width:700px"><tr class=3D"layout-full-width" style=3D"background-color:=
transparent"><![endif]-->
								<!--[if (mso)|(IE)]><td align=3D"center" width=3D"700" style=3D"bac=
kground-color:transparent;width:700px; border-top: 0px solid transparent; b=
order-left: 0px solid transparent; border-bottom: 0px solid transparent; bo=
rder-right: 0px solid transparent;" valign=3D"top"><table width=3D"100%" ce=
llpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td style=3D"padding-rig=
ht: 0px; padding-left: 0px; padding-top:0px; padding-bottom:0px;background-=
color:#FFFFFF;"><![endif]-->
								<div class=3D"col num12" style=3D"min-width: 320px; max-width: 700p=
x; display: table-cell; vertical-align: top; background-color: #FFFFFF; wid=
th: 700px;">
									<div class=3D"col_cont" style=3D"width:100% !important;">
										<!--[if (!mso)&(!IE)]><!-->
										<div style=3D"border-top:0px solid transparent; border-left:0px s=
olid transparent; border-bottom:0px solid transparent; border-right:0px sol=
id transparent; padding-top:0px; padding-bottom:0px; padding-right: 0px; pa=
dding-left: 0px;">
											<!--<![endif]-->
											<!--[if mso]><table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0"><tr><td style=3D"padding-right: 20px; padding-left: 20p=
x; padding-top: 10px; padding-bottom: 0px; font-family: Arial, sans-serif">=
<![endif]-->
											<div class=3D"text_block" style=3D"color:#555555;font-family:Ari=
al, Helvetica Neue, Helvetica, sans-serif;line-height:1.2;padding-top:10px;=
padding-right:20px;padding-bottom:0px;padding-left:20px;">
												<div class=3D"txtTinyMce-wrapper" style=3D"font-family: Arial, =
Helvetica Neue, Helvetica, sans-serif; line-height: 1.2; font-size: 12px; c=
olor: #555555; mso-line-height-alt: 14px;">
													<p style=3D"margin: 0; font-size: 50px; line-height: 1.2; text=
-align: center; word-break: break-word; mso-line-height-alt: 60px; margin-t=
op: 0; margin-bottom: 0;"><span style=3D"color: #e4002b; font-size: 50px;">=
<strong><span style=3D"font-size: 50px;">A GREAT BENEFIT</span></strong></s=
pan></p>
													<p style=3D"margin: 0; font-size: 26px; line-height: 1.2; text=
-align: center; word-break: break-word; mso-line-height-alt: 31px; margin-t=
op: 0; margin-bottom: 0;"><span style=3D"font-size: 26px;"><strong><span st=
yle=3D"color: #000000; font-size: 26px;">for veterans of all branches of th=
e military.</span></strong></span></p>
												</div>
											</div>
											<!--[if mso]></td></tr></table><![endif]-->
											<table class=3D"divider" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" width=3D"100%" style=3D"table-layout: fixed; vertical-align: top;=
 border-spacing: 0; border-collapse: collapse; mso-table-lspace: 0pt; mso-t=
able-rspace: 0pt; min-width: 100%; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%;" role=3D"presentation" valign=3D"top">
												<tbody>
													<tr style=3D"vertical-align: top;" valign=3D"top">
														<td class=3D"divider_inner" style=3D"word-break: break-word; =
vertical-align: top; min-width: 100%; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding-top: 10px; padding-right: 10px; padding-bott=
om: 10px; padding-left: 10px;" valign=3D"top">
															<table class=3D"divider_content" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" width=3D"95%" style=3D"table-layout: fixed; vertical-=
align: top; border-spacing: 0; border-collapse: collapse; mso-table-lspace:=
 0pt; mso-table-rspace: 0pt; border-top: 2px solid #E4002B; height: 0px; wi=
dth: 95%;" align=3D"center" role=3D"presentation" height=3D"0" valign=3D"to=
p">
																<tbody>
																	<tr style=3D"vertical-align: top;" valign=3D"top">
																		<td style=3D"word-break: break-word; vertical-align: top;=
 -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" height=3D"0" =
valign=3D"top"><span></span></td>
																	</tr>
																</tbody>
															</table>
														</td>
													</tr>
												</tbody>
											</table>
											<!--[if mso]><table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0"><tr><td style=3D"padding-right: 20px; padding-left: 20p=
x; padding-top: 0px; padding-bottom: 0px; font-family: Arial, sans-serif"><=
![endif]-->
											<div class=3D"text_block" style=3D"color:#555555;font-family:Ari=
al, Helvetica Neue, Helvetica, sans-serif;line-height:1.2;padding-top:0px;p=
adding-right:20px;padding-bottom:0px;padding-left:20px;">
												<div class=3D"txtTinyMce-wrapper" style=3D"font-family: Arial, =
Helvetica Neue, Helvetica, sans-serif; font-size: 12px; line-height: 1.2; c=
olor: #555555; mso-line-height-alt: 14px;">
													<ul>
														<li style=3D"font-size: 15px; line-height: 1.2; mso-line-heig=
ht-alt: 18px;"><span style=3D"color: #000000; font-size: 15px;"><span style=
=3D"font-size: 18px;"><strong><span style=3D"color: #e4002b; font-size: 18p=
x;">Min 580 FICO</span></strong></span> (Approved Eligible thru DU or LP)</=
span></li>
														<li style=3D"font-size: 15px; line-height: 1.2; mso-line-heig=
ht-alt: 18px;"><span style=3D"color: #000000; font-size: 15px;"><span style=
=3D"font-size: 18px;"><strong><span style=3D"color: #e4002b; font-size: 18p=
x;">Min 620 FICO - Refer Eligible</span></strong></span></span></li>
														<li style=3D"font-size: 15px; line-height: 1.2; mso-line-heig=
ht-alt: 18px;"><span style=3D"color: #000000; font-size: 15px;"><span style=
=3D"font-size: 18px;"><strong><span style=3D"color: #e4002b; font-size: 18p=
x;">580 + Cash Out Refi's up to 100%</span></strong></span> (approved eligi=
ble)</span></li>
														<li style=3D"font-size: 18px; line-height: 1.2; mso-line-heig=
ht-alt: 22px;"><span style=3D"font-size: 18px;"><strong><span style=3D"colo=
r: #e4002b; font-size: 18px;">No DTI cap - follow AUS findings</span></stro=
ng></span></li>
														<li style=3D"font-size: 18px; line-height: 1.2; mso-line-heig=
ht-alt: 22px;"><span style=3D"font-size: 18px;"><strong><span style=3D"colo=
r: #e4002b; font-size: 18px;">VA - REFER/ELIGIBLE - 50% max ratio</span></s=
trong></span></li>
														<li style=3D"font-size: 15px; line-height: 1.2; mso-line-heig=
ht-alt: 18px;"><span style=3D"color: #000000; font-size: 15px;"><span style=
=3D"font-size: 18px;"><strong><span style=3D"color: #e4002b; font-size: 18p=
x;">No VOR unless required by DU findings</span></strong></span> (unless VA=
 Refer)</span></li>
														<li style=3D"font-size: 18px; line-height: 1.2; mso-line-heig=
ht-alt: 22px;"><span style=3D"font-size: 18px;"><strong><span style=3D"colo=
r: #e4002b; font-size: 18px;">Seller can pay all closing costs &amp; prepai=
ds</span></strong></span></li>
														<li style=3D"font-size: 15px; line-height: 1.2; mso-line-heig=
ht-alt: 18px;"><span style=3D"color: #000000; font-size: 15px;"><span style=
=3D"font-size: 18px;"><strong><span style=3D"color: #e4002b; font-size: 18p=
x;">IRRRLs - 580 + MINIMUM FICO</span></strong></span> (conforming loan amo=
unts and High balance)</span></li>
														<li style=3D"font-size: 18px; line-height: 1.2; mso-line-heig=
ht-alt: 22px;"><span style=3D"font-size: 18px;"><strong><span style=3D"colo=
r: #e4002b; font-size: 18px;">No Short Sale Seasoning Requirement on VA</sp=
an></strong></span></li>
													</ul>
												</div>
											</div>
											<!--[if mso]></td></tr></table><![endif]-->
											<table class=3D"divider" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" width=3D"100%" style=3D"table-layout: fixed; vertical-align: top;=
 border-spacing: 0; border-collapse: collapse; mso-table-lspace: 0pt; mso-t=
able-rspace: 0pt; min-width: 100%; -ms-text-size-adjust: 100%; -webkit-text=
-size-adjust: 100%;" role=3D"presentation" valign=3D"top">
												<tbody>
													<tr style=3D"vertical-align: top;" valign=3D"top">
														<td class=3D"divider_inner" style=3D"word-break: break-word; =
vertical-align: top; min-width: 100%; -ms-text-size-adjust: 100%; -webkit-t=
ext-size-adjust: 100%; padding-top: 10px; padding-right: 10px; padding-bott=
om: 10px; padding-left: 10px;" valign=3D"top">
															<table class=3D"divider_content" border=3D"0" cellpadding=3D=
"0" cellspacing=3D"0" width=3D"95%" style=3D"table-layout: fixed; vertical-=
align: top; border-spacing: 0; border-collapse: collapse; mso-table-lspace:=
 0pt; mso-table-rspace: 0pt; border-top: 2px solid #E4002B; height: 0px; wi=
dth: 95%;" align=3D"center" role=3D"presentation" height=3D"0" valign=3D"to=
p">
																<tbody>
																	<tr style=3D"vertical-align: top;" valign=3D"top">
																		<td style=3D"word-break: break-word; vertical-align: top;=
 -ms-text-size-adjust: 100%; -webkit-text-size-adjust: 100%;" height=3D"0" =
valign=3D"top"><span></span></td>
																	</tr>
																</tbody>
															</table>
														</td>
													</tr>
												</tbody>
											</table>
											<!--[if (!mso)&(!IE)]><!-->
										</div>
										<!--<![endif]-->
									</div>
								</div>
								<!--[if (mso)|(IE)]></td></tr></table><![endif]-->
								<!--[if (mso)|(IE)]></td></tr></table></td></tr></table><![endif]--=
>
							</div>
						</div>
					</div>
					<div style=3D"background-color:transparent;">
						<div class=3D"block-grid " style=3D"min-width: 320px; max-width: 700p=
x; overflow-wrap: break-word; word-wrap: break-word; word-break: break-word=
; Margin: 0 auto; background-color: transparent;">
							<div style=3D"border-collapse: collapse;display: table;width: 100%;b=
ackground-color:transparent;">
								<!--[if (mso)|(IE)]><table width=3D"100%" cellpadding=3D"0" cellspa=
cing=3D"0" border=3D"0" style=3D"background-color:transparent;"><tr><td ali=
gn=3D"center"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=
=3D"width:700px"><tr class=3D"layout-full-width" style=3D"background-color:=
transparent"><![endif]-->
								<!--[if (mso)|(IE)]><td align=3D"center" width=3D"700" style=3D"bac=
kground-color:transparent;width:700px; border-top: 0px solid transparent; b=
order-left: 0px solid transparent; border-bottom: 0px solid transparent; bo=
rder-right: 0px solid transparent;" valign=3D"top"><table width=3D"100%" ce=
llpadding=3D"0" cellspacing=3D"0" border=3D"0"><tr><td style=3D"padding-rig=
ht: 0px; padding-left: 0px; padding-top:0px; padding-bottom:0px;background-=
color:#FFFFFF;"><![endif]-->
								<div class=3D"col num12" style=3D"min-width: 320px; max-width: 700p=
x; display: table-cell; vertical-align: top; background-color: #FFFFFF; wid=
th: 700px;">
									<div class=3D"col_cont" style=3D"width:100% !important;">
										<!--[if (!mso)&(!IE)]><!-->
										<div style=3D"border-top:0px solid transparent; border-left:0px s=
olid transparent; border-bottom:0px solid transparent; border-right:0px sol=
id transparent; padding-top:0px; padding-bottom:0px; padding-right: 0px; pa=
dding-left: 0px;">
											<!--<![endif]-->
											<!--[if mso]><table width=3D"100%" cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0"><tr><td style=3D"padding-right: 10px; padding-left: 10p=
x; padding-top: 10px; padding-bottom: 20px; font-family: Arial, sans-serif"=
><![endif]-->
											<div class=3D"text_block" style=3D"color:#555555;font-family:Ari=
al, Helvetica Neue, Helvetica, sans-serif;line-height:1.2;padding-top:10px;=
padding-right:10px;padding-bottom:20px;padding-left:10px;">
												<div class=3D"txtTinyMce-wrapper" style=3D"font-family: Arial, =
Helvetica Neue, Helvetica, sans-serif; font-size: 12px; line-height: 1.2; c=
olor: #555555; mso-line-height-alt: 14px;">
													<p style=3D"margin: 0; font-size: 18px; line-height: 1.2; text=
-align: center; word-break: break-word; mso-line-height-alt: 22px; margin-t=
op: 0; margin-bottom: 0;"><span style=3D"font-size: 18px;"><strong>Cameron =
Leclair</strong></span></p>
													<p style=3D"margin: 0; font-size: 14px; line-height: 1.2; text=
-align: center; word-break: break-word; mso-line-height-alt: 17px; margin-t=
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													<p style=3D"font-size: 14px; line-height: 14px; margin: 0;"><s=
pan style=3D"font-size: 12px;">Equal Housing Opportunity NMLS #133519 For c=
urrent licenses, visit www.nmlsconsumeraccess.com. Hometown Equity Mortgage=
, LLC, DBA theLender, 25531 Commercentre Dr #250, Lake Forest, CA 92630. Ar=
izona Mortgage Banker License No. BK-1018248. All loans must meet Hometown =
Equity Mortgage=E2=80=99s underwriting guidelines. This information is inte=
nded for the exclusive use of licensed real estate and mortgage lending pro=
fessionals in accordance with local laws and regulations. Distribution to t=
he general public is prohibited. Loans made or arranged pursuant to the Cal=
ifornia Financing Law. </span></p>
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