Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id KBs7J+iNBWfACQ0AchKAPA (envelope-from ) for ; Tue, 08 Oct 2024 14:54:16 -0500 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Tue, 08 Oct 2024 14:54:16 -0500 Received: from pc234-199.mailgun.net ([143.55.234.199]:48694) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.96.2) (envelope-from ) id 1syGHg-003as1-09 for andrew@sterlingcal.com; Tue, 08 Oct 2024 14:54:16 -0500 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1728417239; x=1728424439; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=kyOPLdciEvO/QR1b1d4YnoHCyGVgJu9T3SD8UnWY5Bw=; b=Qg5x5EieJKeyiRQWEybRxgDB2sHdEoYjm4OGiweti9aQm5V6t1E1PfRXQvYD7OiplcnMFhVCCaLlxgjntTmFJAHHVL/atcBX3c2EgrLxTQgHpfFFR7yD3rXvpJ2kAenJr2F6GTJbi/eIhXD7puDf+6F75ZvYsdvxuo7JHUeKb4flSRNxagpxK419CnsRSFyPFrLK0cMiL9/DOL7EUsvGgHWWU+ZFfXMhgd6U50sNELiOwM4tfq5KaGyq9QMDhj5ZX48trgQwAU2fC1V3JPOEHV7jfTWgj8Fk1qDdcBHZT2x2spMIUZQRaahHhIHRMpvsvZO2JjMaf7DCKBcoKiloqQ== X-Mailgun-Sending-Ip: 143.55.234.199 X-Mailgun-Sending-Ip-Pool-Name: X-Mailgun-Sending-Ip-Pool: X-Mailgun-Sid: WyIxNWYwNSIsImFuZHJld0BzdGVybGluZ2NhbC5jb20iLCI1NzcxNzQiXQ== Received: by e2e8da85efa2 with HTTP id 67058dd760dbaf48b9bc4ae9; Tue, 08 Oct 2024 19:53:59 GMT Sender: cleclair@thelender.com Date: Tue, 08 Oct 2024 19:53:59 +0000 Mime-Version: 1.0 Subject: Save on theNONI and nearNONI this October From: cleclair@thelender.com To: andrew@sterlingcal.com X-Mailgun-Variables: {"entityId": "C6UJ9A01CSIY", "entityType": "Contact", "itemId": "9560e632-82c4-4058-bd85-c92eb8e196fd", "sourceType": "emailblast", "templateId": "Q6UJ9A0FTD4Z"} Message-Id: <20241008195359.ec435704956b1fc0@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
= This October, theLender has deals on

t= heNONI & nearNONI

th= at are so good, they're... scary!

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

100 BPS

Price Special = on Cash-Out Refi

5-year prepay required

&= nbsp;

Price Special on Cash-Out Refi

3-year pre= pay required

 

50 BPS

Price Special on Purchase

5-year prepay requir= ed

 

25 BPS

Price Special on Purchase

3-year prepay require= d

=
 

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 Year Fully Amortized 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
  • Recently listed properties allowed with min p= repay of 1 yr.
  • Use Highest mid score for any borrower on the loan f= or both qualifying and pricing
  • Living Rent Free Allowed for Experie= nced Investors Only
  • Use actual rents received with 2 months documen= tation dated prior to application 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 October 31st, 2024. =  

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

    Foreign National B= orrowers are 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 communicatio= n from us because you've given Hometown Equity Mortgage, LLC d/b/a theLende= r your email in the past, and we're trying to stay in touch with you. If yo= u prefer to contact us in writing, please mail any correspondence to 25531 = Commercentre #250 Lake Forest, CA 92630.

    <= /table>
    3D'clear'