Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id GIcbCV2K9WamfAUAchKAPA (envelope-from ) for ; Thu, 26 Sep 2024 11:22:53 -0500 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Thu, 26 Sep 2024 11:22:53 -0500 Received: from pc234-199.mailgun.net ([143.55.234.199]:55782) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.96.2) (envelope-from ) id 1strGW-001W1y-1f for andrew@sterlingcal.com; Thu, 26 Sep 2024 11:22:53 -0500 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1727367755; x=1727374955; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=tx1BjS9W91x0KNy+wHMqN0hVgeqAIF1/PIV0semjVz4=; b=VAadCl0RnjMC6WDS2+Fs7uMsgeuMkm5+sqtTWE3GsYIFr+ENJeWpCWWgVgpbI505msn1LLoDnQNO7wN60r2+xbCL8utlFYhY5tRtd2ARlldBOMR9MofVng0y2M6jgiGQhF6KR2pkRdim40ALLe4ifubfIETcht/u0x7NijCR7yKQphZuZkoJikB2DUOrk3QrauI7GrmPyZVOhRebQsP+zna92vIlybZYI508eWSKX9CTOp7coAHiPsj8FbMPCFv9lRR+8luB9fI+wTQw9ZlxjERG+4bFo1+UANQaXRB6mOM1OpiP9p8lb2geLSRt7o6ZubkC/GSKk1M6jOqbdffrbw== X-Mailgun-Sending-Ip: 143.55.234.199 X-Mailgun-Sid: WyIxNWYwNSIsImFuZHJld0BzdGVybGluZ2NhbC5jb20iLCI1NzcxNzQiXQ== Received: by 12ca51df1287 with HTTP id 66f58a49a00b9190b17fb3c9; Thu, 26 Sep 2024 16:22:33 GMT Sender: cleclair@thelender.com Date: Thu, 26 Sep 2024 16:22:33 +0000 Mime-Version: 1.0 Subject: Save up to .825 bps this September with theLender From: cleclair@thelender.com To: andrew@sterlingcal.com X-Mailgun-Variables: {"entityId": "C6UJ9A01CSIY", "entityType": "Contact", "itemId": "a7e80299-2ce5-4840-96f8-09f9c8094d00", "sourceType": "emailblast", "templateId": "Q6UJ9A0FTD4Z"} Message-Id: <20240926162233.235bd787025cca6a@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
=
3D"We
=

They said theLenders September Special couldn't get any better...

then we made it be= tter.

 

All month, save big with

<= p=20 style=3D"margin:0;text-align:center;font-size:12px;mso-line-height-alt:14.3= 99999999999999px">theNONI & nearNONI

<= /td>
=

.825

Price Special on Cash-Out

5-year prepay require= d

 

.45

Price Special on Cash-Out

= 3-year= prepay required

 

.625

Price Special on Purchase

<= strong>5-year prepay required

 

Price Special on Purchase

3-year pre= pay required

 
=

theNONI Highlights

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

    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>
    =
    <= td class=3D"pad" style=3D"padding-bottom:10px;padding-left:20px;padding-rig= ht:20px;padding-top:15px">

    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. 

     

    Cameron Leclair

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

    <= td class=3D"pad" style=3D"width:100%">
    =
    here. You're receiving this communication= from us because you've given Hometown Equity Mortgage, LLC d/b/a theLender= your email in the past, and we're trying to stay in touch with you. If you= prefer to contact us in writing, please mail any correspondence to 25531 C= ommercentre #250 Lake Forest, CA 92630.

    <= /table>
    3D'clear'