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the Spot | Appraisals | Broker_Resources |<= strong> Become_a_Partner = | Rates

Want to get instant answers on your next Non-QM deal

AND save 10bps?

<= strong>Just run your next Non-QM scenario through

before submitting your l= oan and receive a promo code!*

<= p=20 style=3D"margin:0;text-align:center;font-size:22px;mso-line-height-alt:26.4= px">theOwl is theL= enders' newest way to help you find the answers to all your Non-QM question= s. Powered by an OpenAI API and backed by a comprehensive warehouse of guid= elines and matrices, theOwl provides real-time answers whenever you need th= em.

Just As= k theOWL

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*Offer valid August= 8th =E2=80=93 August 31st. NonQM only. 10bps to price. Go to www.wholesale.thelender.com/AugustPromo for full deta= ils

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And if that is not enough savings,

SAVE AN ADDITIONAL .375

on NonQM Purchase and Cash-Ou= t Refinance

this August.

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

= Asset Qualifier:

Option 1 =E2=80=93 60 months
- Minimum Eligible Assets required are the lessor of $1,000,000 or 150% of th= e loan amount
- Qualifying income based upon Total Assets Eligible fo= r Depletion, less down payment, less out of pocket closing costs, less requ= ired reserves, divided by 60.
- Maximum DTI 43%.

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Option = 2 =E2=80=93 84 months

No Minimum Eligible Assets amount is required.
Qualifying income ba= sed upon Total Assets Eligible for Depletion, less down payment, less out o= f pocket closing costs, less required reserves, divided by 84.
Maxi= mum DTI 43%

Bank Statement Qualifier:

Personal and Business Bank Statements allowed
12 month and 24 month= Bank Statement options
Max LTV (purchase only)
Up to 90% o= n Non QHEM Plus
Up to 85% on standard Non QHEM
2nd Home and= Investment properties up to 80% LTV
Loan amounts up to $4MM

Non-Warrantable Condos allow

Full Doc Qualifier:

DTI up to 55%
Credit scores down to 620
Recent credit events allowed
All occupancy types allowed
7/6 and 10/6 ARM, 30, and 40 yr I/O option not fixed
Multiple = financed properties allowed
Max LTV (purchase only)
Up to 9= 0% on Non QHEM Plus
Up to 85% on standard Non QHEM

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Gig Qualifier

Multiple 1099 qualification options
Apply a 10% expense factor to a= ll eligible gross receipts.
Profit and Loss Statement
CPA L= etter for Business Funds
DTI up to 55%
Credit scores as low= as 620
Recent credit events allowed
All occupancy types al= lowed

ITIN:

Max 1.5 Million Loan Amount

Min 680 FICO

Owner Occupied On= ly

Max LTV up to 80%

DTI up to max 50%

Bank Stateme= nt, Full Doc & 1099 income options

No housing history needed ***see= matrix for restrictions

Unexpired Government Photo ID and ITIN Car= d or Letter from IRS required

NonQM Pr= emier:

Min Fico 680
Max LTV 90%
Max Loan Amount $2.5mm

Available doc types

Full doc =E2=80=93 1 & 2 year
12 & 24 bank statement =E2=80= =93 Business & Personal

Max Cash in hand $1mm

P & L O= nly

Qualify income off the P&L only: nothing more, nothing less 12 or 24 mont= h P&L OK

Purchase LTV=E2=80=99s up to 80%

Cash-Out LTV=E2= =80=99s up to 80%

680 minimum FICO

Loan amounts up to $4MM<= /li>

DTI up to 50%

25% business ownership required

Contact your Account Executive at theLender or visit theLender.com for f= ull details.

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Camero= n Leclair

(949) 312-5374 |&= nbsp;cleclair@thelender.com

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theLender.com | About Us | Products | Mortgage Partner&= nbsp;| Contact

here. You're receiving this communication fr= om us because you've given Hometown Equity Mortgage, LLC d/b/a theLender yo= ur email in the past, and we're trying to stay in touch with you. If you pr= efer to contact us in writing, please mail any correspondence to 25531 Comm= ercentre #250 Lake Forest, CA 92630.

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