Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id cM6+OWJy4GbHDQQAchKAPA (envelope-from ) for ; Tue, 10 Sep 2024 11:22:58 -0500 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Tue, 10 Sep 2024 11:22:58 -0500 Received: from pc234-199.mailgun.net ([143.55.234.199]:48596) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.96.2) (envelope-from ) id 1so3dq-0017Wr-1J for andrew@sterlingcal.com; Tue, 10 Sep 2024 11:22:58 -0500 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1725985361; x=1725992561; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=hpx6NImGLGec0cDPQCvKCDf5LBmS7pt4MC5jFipZQaA=; b=eBup8DcHDG2ex5KN9Qs9EQT7TT8z2mQGupB8tb0rgoHEe6ta4HrP2NnSUdth6SXzGrx6IVRGucmLJYIKm2E9qlgkrIgcemdo7v0D/sHIk5usD1ioSky0n/5PrrCW2S5q+hlBEvOwrTHOlWPBtst3jGSpUSH/y1KPIgU1IJkjbcMuUYCmC5DAqbCkiQAYzRoaqe/kVzvvPOLNfeTViNLpCBV8IZo8ki+JF8UhKVK6G+O/eQgnP+aFsOSCooH3Ash/H8tK+/QE1jw6tPU2Uke/RaQVBBob4VV7j92dLxM/idvGSgMrq0arE/Q/h/s66QD+V/VDqi8q+Nz/mAU7j8403g== X-Mailgun-Sending-Ip: 143.55.234.199 X-Mailgun-Sid: WyIxNWYwNSIsImFuZHJld0BzdGVybGluZ2NhbC5jb20iLCI1NzcxNzQiXQ== Received: by bde4749a0159 with HTTP id 66e07251f7d9ed6a3b0f100c; Tue, 10 Sep 2024 16:22:41 GMT Sender: cleclair@thelender.com Date: Tue, 10 Sep 2024 16:22:41 +0000 Mime-Version: 1.0 Subject: theLender has 2 ways to save on theNONI this month From: cleclair@thelender.com To: andrew@sterlingcal.com X-Mailgun-Variables: {"entityId": "C6UJ9A01CSIY", "entityType": "Contact", "itemId": "a12e2579-a3bf-4cfe-b784-624f51258db3", "sourceType": "emailblast", "templateId": "Q6UJ9A0FTD4Z"} Message-Id: <20240910162241.325f564d37b3a0ab@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/eJxUkLtu6zAQBb9G7GSQy5dUsDB8IUC3C-IUSbcUl7YAvUBtIvjvAzhp0p7iDG= ZSsN4rbwQF5cG2jdVOCVp45EefwsW9_W_PUl1e-_ff9frYKFzWhXFgcQ8qu5yyR4gRTasb6RqVY= ps1SDVY6cQYQIKRrZLKARh10mCzdSZpHzVKjJWRfKeJlkTlNKyzGJnmPgVUQGB9W6OOuTZDpjr6= xtQOTLYKbJOiFlO4M297pc8VdBV0x3Gc_rxV0M1r4RveqN6w8EKlgk6UgEsqdFRG7kxlGpfbgNM= Tv6-fZaCnJs04TnHCnQXTvE3I1Kfw8hOlu_4zH-IrwHcAAAD__xOsZRI" target=3D"_blank"= rel=3D"noopener">| Rate= s

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

with<= /span>

theNONI & nearNONI

.625=

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 

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'