Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id uH6hHaAxvmYkgQQAchKAPA (envelope-from ) for ; Thu, 15 Aug 2024 11:49:36 -0500 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Thu, 15 Aug 2024 11:49:36 -0500 Received: from pc234-199.mailgun.net ([143.55.234.199]:39088) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.96.2) (envelope-from ) id 1sedfI-001FDe-0B for andrew@sterlingcal.com; Thu, 15 Aug 2024 11:49:36 -0500 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1723740554; x=1723747754; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=LTTgFryQUbaUmzeB2d+yuppzB5G+FREbltLc1BGPlkk=; b=oWcvlTeRBo5LFgWjH20/mvJ59Dv5HFQUbelgOwgyZViE1rCj66USXOOBZ/G0ZZU8ftrzEipdLHPqYxCvK++vt4xtUoimuvclSXfgGy4BlGTLVCl21i4ByhKVVOZTzBalt+MnB7ZPXdthMFvUspFpLid0fgf23fLPB6ZvBlg0couv684eNcDislhE25ricCmbvK190aRhtDQTCZRaVTGoJiaoOo6rPmNkgMwASA5VM/T6QBIjeD1YgBzzN0abmjmVQLj776QJGuO+pm/JnmIqPaVyAAtZAj4d1zzuonekvXv+qY5neS3X035+ESX5JHgN1oQxhKQQpq9npk/QzH0Zeg== X-Mailgun-Sending-Ip: 143.55.234.199 X-Mailgun-Sid: WyIxNWYwNSIsImFuZHJld0BzdGVybGluZ2NhbC5jb20iLCI1NzcxNzQiXQ== Received: from ( []) by f1cac9d5e169 with HTTP id 66be318a878656a1103f185d; Thu, 15 Aug 2024 16:49:14 GMT Sender: cleclair@thelender.com Date: Thu, 15 Aug 2024 16:49:14 +0000 Mime-Version: 1.0 Subject: theLender - 2 ways to save on theNONI this month From: cleclair@thelender.com To: andrew@sterlingcal.com X-Mailgun-Variables: {"entityId": "C6UJ9A01CSIY", "entityType": "Contact", "itemId": "88456504-c7da-4ed8-9776-31e39186133e", "sourceType": "emailblast", "templateId": "Q6UJ9A0FTD4Z"} Message-Id: <20240815164914.f656225db8d356ac@thelender.com> Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: quoted-printable X-Spam-Status: No, score=-4.6 X-Spam-Score: -45 X-Spam-Bar: ---- X-Spam-Flag: NO
<= tbody>
=
=
=3D"We
= This August, theLender is giving you two ways to save with

<= p style=3D"margin:0;text-align:center;font-size:12px;mso-line-height-alt:14= =2E399999999999999px">theNONI & nearNONI

=  

.375

Price Special on C= ash-Out Refinance

 

.25

Price Special on Purchase

 

= NOTE: All loans must be locked by August 31st, 2024. =  

Noni+ and NONI58 are not eligible. DSCR less than .75 n= ot eligible. 

= Foreign National Borrowers not eligible.  3-year min prepay required.<= /span>

theNONI Hig= hlights

  • As little as 0 months reserves (Use property
    cashflow to qu= alify)
  • FICOS As Low As 640
  • No LTV Restrictions on 2-4 units=
  • 40 Year Fully Amortized Term
  • Rural Properties =E2=80=93 Al= lowed max 10 acres
  • 100% gift funds allowed if borrower can verify t= hey have 5% of their own funds
  • Recently listed properties allowed with min prepay of 1 yr.
  • Use Hig= hest mid score for any borrower on the loan for both qualifying and pricing=
  • Living Rent Free Allowed for Experienced Investors Only
  • Us= e actual rents received with 2 months documentation dated prior to applicat= ion date
  • STR=E2=80=99s allowed up to 75% LTV
<= /td>

NONI Cash Out

  • Going to 75% LTV on Cash Out Transactions (min 700)
  • Going to 70% = LTV on Cash Out Transactions (min 660+)

NONI Purchase & R/T

<= ul style=3D"line-height:1.2;mso-line-height-alt:16.8px">
  • Going to 80% LTV o= n Purchase (min 700)
  • Going to 75% LTV on Purchase (min 660+)
  • Going to 75% LTV on = R/T Transactions (min 660+)

    • nearNONI Highlights

    • DSCR < 1.00
    • New Fico expansion down to 660
    • Non-warrantable condo = allowed
    • Loans to $3MM
    • Max 75%= LTV purchase with 700 FICO
    • Cash-out can be used as Reserves
    • New Prepay options: = =E2=80=93 5, 4, 3, 2 & 1 year prepays
    • NOW AVAILA= BLE =E2=80=93 40 Year Fully Amortized Term
    <= /div>
    =
     
    <= table class=3D"text_block block-2" 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;word-break:break-word">

    Cameron Le= clair

    (949) 312-5374 | = ;<= strong>cleclair@thelender.com 

    here. You're receiving this communication f= rom us because you've given Hometown Equity Mortgage, LLC d/b/a theLender y= our email in the past, and we're trying to stay in touch with you. If you p= refer to contact us in writing, please mail any correspondence to 25531 Com= mercentre #250 Lake Forest, CA 92630.

    <= /table>
    3D'clear'