Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id 0GHpKjPv2WYT1wAAchKAPA (envelope-from ) for ; Thu, 05 Sep 2024 12:49:39 -0500 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Thu, 05 Sep 2024 12:49:39 -0500 Received: from pc234-199.mailgun.net ([143.55.234.199]:63992) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.96.2) (envelope-from ) id 1smGbz-000EKg-0d for andrew@sterlingcal.com; Thu, 05 Sep 2024 12:49:39 -0500 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1725558562; x=1725565762; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=mkw2KXc6zalMiEwtl1v8fbqQ927GzTUU0qrKC3ibNzA=; b=JQCgqZvoGg4b+3ZfgebqDoUgldKaDUHT+q83z2bh+KjYG8bLyqJ02neDPtb2ppDSPmZmwbgEK5gjkpIIqWnVwf8mzx+7V4DWCvUeebFFFDKnmeGRanOja9LP3ho4IC3e8sHxYtcZ+C5Citto/wE0K8eEZ6gzC2a6lc/RXIv4lSobNP+AaV3P+QSqj48CzHHyKz+QunogAVvBUKc0NrCnLlLprgdNYD9qvm81kcWs85zQ5ifr2DrKWQATz0wCbg62bvPfqHDI98iHssp25fU44lQibwm0qcNeDMqy1nGLkydUdgJx+dkRn4zFV1V6eJIQ/BYQ5IS6CSOtb4kYVALGbw== X-Mailgun-Sending-Ip: 143.55.234.199 X-Mailgun-Sid: WyIxNWYwNSIsImFuZHJld0BzdGVybGluZ2NhbC5jb20iLCI1NzcxNzQiXQ== Received: by 1a908578aeed with HTTP id 66d9ef22c27c70028473abac; Thu, 05 Sep 2024 17:49:22 GMT Sender: cleclair@thelender.com Date: Thu, 05 Sep 2024 17:49:22 +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": "6f489c73-5b8b-457b-80e8-aa17fcf79be2", "sourceType": "emailblast", "templateId": "Q6UJ9A0FTD4Z"} Message-Id: <20240905174922.361bdd404dfe31b4@thelender.com> Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: quoted-printable X-Spam-Status: No, score=-4.3 X-Spam-Score: -42 X-Spam-Bar: ---- X-Spam-Flag: NO
3D"the

the Spot | Appraisals | Broker_Resources | Become_a_Partner <= a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://email.the= lender.com/c/eJxUkLtu6zAQBb-G7GTwsRSlgoXhCwG6XRCnSDpSu7IFUA9Qmwj--wBOmrSnOI= MZDM577UFS0N445xpXG0kLT_zoMVzqt__tWenLa__-u14fG4XLunAcWN6DRYcApGobx9ag15hqR= 5GUBTuCbeQUjDKgWuW0h9aYk611QgQFOJLVCQQovlOmBamchnWWE9PcY6hHaNrB28qlJlXgfKoa= RU0Vo_bjMPo2kZE53Jm3XdizMJ0w3XEcpz9vwnTzWvgWb1RtsfBCRZhOlhAXLHQIUDtTydNyG2J= -4vf1swz01KQ5TjnluLNkmrccmXoMLz9Ruus_-JBfwXwHAAD__1_9ZZU" target=3D"_blank"= rel=3D"noopener">| Rate= s

=
<= /tr>
= This September, theLender is giving you two ways to save

with<= /span>

theNONI & nearNONI

.675=

Price Special on C= ash-Out & Purchase

5-year prepay required

 

.25

Price Special on Cash-Out & Purchase=

= 3-year prepay required

&nbs= p;

NOTE: All loans must be locked by September 30th, 2024.&nbs= p; 

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

Foreign National B= orrowers not eligible. 

<= tbody>
<= td class=3D"pad">

theNONI Highlights

  • As little as 0 months reserves (Use property
    cashflow to qualify)
    • FICOS As Low As 640
  • No LTV Restrictions on 2-4 units
  • 40 Y= ear Fully Amortized Term
  • Rural Properties =E2=80=93 Allowed max 10 = acres
  • 100% gift funds allowed if borrower can verify they have 5% o= f their own funds
  • Recently listed properties allowed with min prepa= y of 1 yr.
  • Use Highest mid score for any borrower on the loan for b= oth qualifying and pricing
  • Living Rent Free Allowed for Experienced Investors Only
  • Use actual = rents received with 2 months documentation dated prior to application date<= /li>
  • STR=E2=80=99s allowed up to 75% LTV
=
=

NONI Cash = Out

  • Going to 75% LTV on Cash Out Transacti= ons (min 700)
  • Going to 70% LTV on Cash Out Transactions (min 660+)
    • =
NONI Purchase & R/T

    Going to 80% LTV = on Purchase (min 700)
  • Going to 75% LTV on Purchase (min 660+)
  • Going to 75% LTV o= n R/T Transactions (min 660+)

nearNONI Highlights

  • DSCR < 1.00
    • <= li> New Fico expansion= down to 660
  • Non-warrantable condo allowed
  • Loans to $3MM
  • Max 75% LTV purchase with 7= 00 FICO
  • Cash-out can be used as Reserves
  • New Prepay options= : =E2=80=93 5, 4, 3, 2 & 1 year prepays
  • NOW AVAILABLE =E2=80= =93 40 Year Fully Amortized Term
 
Camero= n Leclair

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

<= /table>
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>
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