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0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;bor=
der-top:0;border-right:0;border-bottom:0;border-left:0"><table class=3D"ima=
ge_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0=
"><tr><td class=3D"pad" style=3D"width:100%;padding-right:0;padding-left:0"=
><div class=3D"alignment" align=3D"center" style=3D"line-height:10px"><div=
=20
class=3D"fullWidth" style=3D"max-width:700px"><img src=3D"https://d15k2d11r=
6t6rl.cloudfront.net/pub/izn8/7h0w4ujj/lgb/tdd/gz7/20241008_ColumbusDay-hea=
der.jpg" style=3D"display:block;height:auto;border:0;width:100%" width=3D"7=
00" alt=3D"We are here for you, America" title=3D"We are here for you, Amer=
ica" height=3D"auto"></div></div></td></tr></table><table class=3D"text_blo=
ck block-2" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0=
" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><=
td class=3D"pad"><div style=3D"font-family:sans-serif"><div class style=3D"=
font-size:14px;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;mso-li=
ne-height-alt:16.8px;color:#555;line-height:1.2"><p style=3D"margin:0;font-=
size:14px;text-align:center;mso-line-height-alt:16.8px"><span style=3D"word=
-break: break-word; font-size: 22px; color: #e4002b;"><strong>- Notice for =
Monday October 14, 2024 -</strong></span></p><p=20
style=3D"margin:0;font-size:14px;mso-line-height-alt:16.8px"><span style=3D=
"word-break: break-word; font-size: 17px;">theLender will be open, but due =
to market closure and in observance of Columbus Day,&nbsp; rate sheets will=
 not be published for QM.&nbsp; The Lock Desk will be open for lock extensi=
ons and parameter changes only.&nbsp; NON-QM rate sheets will be published,=
 and Lock Desk will be open normal hours.&nbsp; Please note, loans will not=
 fund as banks will be closed.</span></p></div></div>
</td></tr></table></td></tr></tbody></table></td></tr></tbody></table><tabl=
e class=3D"row row-4" align=3D"center" width=3D"100%" border=3D"0" cellpadd=
ing=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace=
:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content stack" al=
ign=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;width:=
700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1"=
=20
width=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:4=
00;text-align:left;background-color:#fff;vertical-align:top;border-top:0;bo=
rder-right:0;border-bottom:0;border-left:0"><table class=3D"button_block bl=
ock-1" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" rol=
e=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td =
class=3D"pad"><div class=3D"alignment" align=3D"center"><a href=3D"http://e=
mail.thelender.com/c/eJxUkL1OwzAURp8m3lL5Otd_g4eqUqQwgYCB0bFvSCQnqeILVd8eqb=
CwfsN3dE4O2lqwKCiAVc4Y9FIL2njh-5DDxbw_-bOEy-vw8be-3a8ULvvGMbGYg0M5SZOAxtHYZ=
CYEn5yZ0JEfqcMklqCkQpAAYBCwOxlA7aPOXTJZOlINSp6p0JbpOKV9FQvTOuTgMyUNTrXdFKFF=
Pdk2Kgdt1E7ZLA124EUJM_O1Nt25UX2j-tu8F6qx0OnfZ6P6IzLVmYhro3pxhLjlg24Nysp0lGX=
7TLE88HX_OhI9NGmNSxlLrCyY1muJTEMOL79RhnMnn8V3UD8BAAD__-dqZIo" target=3D"_bl=
ank"><!--[if mso]>
<v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:schem=
as-microsoft-com:office:word"  href=3D"http://email.thelender.com/c/eJxUkL1=
OwzAURp8m3lL5Otd_g4eqUqQwgYCB0bFvSCQnqeILVd8eqbCwfsN3dE4O2lqwKCiAVc4Y9FIL2n=
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ze:20px">
<![endif]--><div style=3D"background-color:#e4002b;border-bottom:0 solid tr=
ansparent;border-left:0 solid transparent;border-radius:4px;border-right:0 =
solid transparent;border-top:0 solid transparent;color:#fff;display:inline-=
block;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:20px;=
font-weight:400;mso-border-alt:none;padding-bottom:5px;padding-top:5px;text=
-align:center;text-decoration:none;width:auto;word-break:keep-all">
<span style=3D"word-break: break-word; padding-left: 20px; padding-right: 2=
0px; font-size: 20px; display: inline-block; letter-spacing: normal;"><span=
 style=3D"word-break: break-word; line-height: 40px;"><strong>Download Our =
Ratesheets Here</strong></span></span></div><!--[if mso]></center></v:textb=
ox></v:roundrect><![endif]--></a></div></td></tr></table><table class=3D"te=
xt_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><=
td class=3D"pad" style=3D"padding-bottom:10px;padding-left:20px;padding-rig=
ht:20px"><div style=3D"font-family:sans-serif"><div class style=3D"font-fam=
ily:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12px;mso-line-heigh=
t-alt:14.399999999999999px;color:#555;line-height:1.2"><p style=3D"margin:0=
;text-align:center;mso-line-height-alt:14.399999999999999px">
<strong>Please note:</strong> Our ratesheets are password protected.&nbsp; =
Contact me for the credentials.&nbsp;&nbsp;</p></div></div></td></tr></tabl=
e><table class=3D"divider_block block-3" width=3D"100%" border=3D"0" cellpa=
dding=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lsp=
ace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div class=3D"alignment" al=
ign=3D"center"><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=
=3D"presentation" width=3D"95%" style=3D"mso-table-lspace:0;mso-table-rspac=
e:0">
<tr><td class=3D"divider_inner" style=3D"font-size:1px;line-height:1px;bord=
er-top:2px solid #e4002b"><span style=3D"word-break: break-word;">&#8202;</=
span></td></tr></table></div></td></tr></table><table class=3D"text_block b=
lock-4" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" rol=
e=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-brea=
k:break-word"><tr><td class=3D"pad" style=3D"padding-bottom:10px;padding-le=
ft:20px;padding-right:20px"><div style=3D"font-family:sans-serif"><div=20
class style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-s=
ize:12px;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.=
2"><p align=3D"center" style=3D"margin:0;mso-line-height-alt:14.39999999999=
9999px"><strong>Get answers to Non-QM loan scenarios and underwriting quest=
ions in a matter of seconds, day or night.</strong></p></div></div></td></t=
r></table></td></tr></tbody></table></td></tr></tbody></table><table class=
=3D"row row-5" align=3D"center" width=3D"100%" border=3D"0"=20
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content s=
tack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" rol=
e=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#00=
0;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column c=
olumn-1" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;background-color:#fff;vertical-align:top;border-top:0;border-right:0;bo=
rder-bottom:0;border-left:0"><table class=3D"button_block block-1" width=3D=
"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentati=
on" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><=
div class=3D"alignment" align=3D"center"><a href=3D"http://email.thelender.=
com/c/eJxUkL1ug0AQBp-G67Bu9_6guMKyhESqREmKlMvdEpAOsGATy28fyUmT9iu-0UyOLgQIV=
nGEgI33ttVO8Sqz3PscL_79qT1ruLz2H3_r2_3K8bKtQknUFAMiNXaE5I0b9QCEbKzOSbdpGAI5=
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MZCh2ihJdrIeE-x5ffIP3Z6Gf1HfEnAAD__x4zYsA" target=3D"_blank"><!--[if mso]>
<v:roundrect xmlns:v=3D"urn:schemas-microsoft-com:vml" xmlns:w=3D"urn:schem=
as-microsoft-com:office:word"  href=3D"http://email.thelender.com/c/eJxUkL1=
ug0AQBp-G67Bu9_6guMKyhESqREmKlMvdEpAOsGATy28fyUmT9iu-0UyOLgQIVnGEgI33ttVO8S=
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ze:13px">
<![endif]--><div style=3D"background-color:#e4002b;border-bottom:0 solid tr=
ansparent;border-left:0 solid transparent;border-radius:4px;border-right:0 =
solid transparent;border-top:0 solid transparent;color:#fff;display:inline-=
block;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:13px;=
font-weight:400;mso-border-alt:none;padding-bottom:5px;padding-top:5px;text=
-align:center;text-decoration:none;width:auto;word-break:keep-all">
<span style=3D"word-break: break-word; padding-left: 20px; padding-right: 2=
0px; font-size: 13px; display: inline-block; letter-spacing: normal;"><span=
 style=3D"word-break: break-word; line-height: 26px;"><strong>Just Ask theO=
WL</strong></span></span></div><!--[if mso]></center></v:textbox></v:roundr=
ect><![endif]--></a></div></td></tr></table><table class=3D"divider_block b=
lock-2" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" ro=
le=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0">
<tr><td class=3D"pad"><div class=3D"alignment" align=3D"center"><table bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D=
"95%" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"divi=
der_inner" style=3D"font-size:1px;line-height:1px;border-top:2px solid #e40=
02b"><span style=3D"word-break: break-word;">&#8202;</span></td></tr></tabl=
e></div></td></tr></table><table class=3D"text_block block-3" width=3D"100%=
" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><=
td class=3D"pad" style=3D"padding-bottom:20px;padding-left:10px;padding-rig=
ht:10px;padding-top:10px"><div style=3D"font-family:sans-serif"><div class =
style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12=
px;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p =
style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8=
px">
<span style=3D"word-break: break-word; font-size: 18px;"><strong>Cameron Le=
clair</strong></span></p><p style=3D"margin:0;font-size:14px;text-align:cen=
ter;mso-line-height-alt:16.8px"><strong>(949) 312-5374</strong>&nbsp;|&nbsp=
;<span style=3D"word-break: break-word; color: #000080; font-size: 14px;"><=
strong>cleclair@thelender.com&nbsp;</strong></span></p></div></div></td></t=
r></table></td></tr></tbody></table></td></tr></tbody>
</table><table class=3D"row row-6" align=3D"center" width=3D"100%" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"m=
so-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-co=
ntent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D=
"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;co=
lor:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"c=
olumn column-1" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;vertical-align:top;border-top:0;border-right:0;border-bottom:0;border-l=
eft:0"><table class=3D"text_block block-1" width=3D"100%" border=3D"0" cell=
padding=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-l=
space:0;mso-table-rspace:0;word-break:break-word"><tr><td class=3D"pad"><di=
v style=3D"font-family:sans-serif"><div class=20
style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12=
px;mso-line-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p =
style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8=
px">
<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://ema=
il.thelender.com/c/eJxUkL1OwzAURp8m3lL5Xl__DR6qSpXCBAIGRse-ppGctEoMUd8eqbCw=
fsN3dE4O2lqwJDiARWcMeakFL21q9yGHk3l_8kcJp9fh4299u984nK5Li6mJS0gGvRtHsIlw9J7=
kqIqzPlGxJUVTxBRQIoEEAENA6mCAtI86q2SydIwdyXbhykvm9ZCus5gaz0MOPnPS4LBXJUJPut=
g-ooM-aoc2S0MKvKjh0tpt69Sxw3OH533fD__eOjyLNcQlr7x3JLfGa52WzxTrg7Vdv9bEDyee4=
1THGrcmGs-3GhsPObz8FhiOSj6L74A_AQAA__-Df11b" target=3D"_blank" rel=3D"noope=
ner">theLender.com</a> | <a style=3D"text-decoration: underline; color: #E4=
002B;" href=3D"http://email.thelender.com/c/eJxU0D9rwzAQBfBPI20OurP-DhpCwOB=
OLW2HjrJ0aQyyHexLTb59IS2Frr_hPd4r0TgHTkuK4NBbq4MykmYe-d6XeLLvT-Go4PTaf_zq2_=
1K8bTMnDLLS8zKBwPehZSRcBjIk0ZNGgjd4OEsx4gKNSgAsBp0e7CgTUimtNkW5QmFVnyhSnOh9=
ZCXSY5MU19iKJQNeGzac4JGm7NrEnpokvHoirK6hSBrvDBfN9EeBXYCu33fD__SBHZpWG7c_KnA=
Tq4xzWWlXWi1Ma11nD9zqo_2bbmtmR4raUpjHWraWDJN15qY-hJffj7pj616ll8RvwMAAP__Nf9=
jvQ" target=3D"_blank" rel=3D"noopener">About Us</a>&nbsp;| <a style=3D"tex=
t-decoration: underline; color: #E4002B;" href=3D"http://email.thelender.co=
m/c/eJxUkL1q7DAQRp_G6rxoRpIlFyqWBYNvdUOSIqVWM84a_Ic8G7NvH9ikSfsV3-Ecis578FZ=
xBI-haWyrneJFRnn0FC_N-7_2rOHy2n_8rm-PjeNlXSRlUbeogSh4zM4bHQYGDkPKzuLVDiYAeT=
VG1GhBA0BjwZpTA9a1yZHJDenAWFktN554IS6nvM5qFJ57ii1xdhCwNkOC2rrB1wkD1MkF9KQba=
6BVU7yJbHtlzhV2FXbHcZz-vFXYlSS811tZ6Z5lr7BTJaaFCh-V1btwmcblM6fpCd_Xe8n8lOQ5=
jdN1Srso4XmbknBP8eUnSX82-r_6ivgdAAD__9gNY3c" target=3D"_blank" rel=3D"noope=
ner">Products</a>&nbsp;| <a style=3D"text-decoration: underline; color: #E4=
002B;" href=3D"http://email.thelender.com/c/eJxUkL1u4zAQBp9G7GRwySUpFSwMAwJ=
01R3urki5Jte2AOoH1CaC3z6AkybtV3yDmRxdCBBQcYRgOu-x107xIpM8xxwv_v-v_qzh8nd8-1=
7_PTeOl3URSqIeMVBnQZuc0IWOr5iSzj1es2W8-UReTdFog6ABwCOgPXlA15PLNvmsOzYNanlw4=
SVzPaV1VpPwPObYZ04OOtPaG0GL7hZaMh205DoTsvZooVclPkS2vbHnxgyNGY7jOP14a8wwr1Xu=
dOd2oyoL18YMqkZacuWjQb0L1zIt90Tlhd_X95r4pckzTeVaaBclPG-FhMcc_3xFGc9W_1Yf0Xw=
GAAD___UDZJA" target=3D"_blank" rel=3D"noopener">Mortgage Partner</a>&nbsp;=
| <a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://e=
mail.thelender.com/c/eJxUkLtu6zAQRL-G7GRwl8tXwcIwIEC3ukGSIiVNrmMBlCxITAT_fQ=
A7TdopZuacEo1z4EhyBIfeWgrKSJ7b2O5DiSf7_i8cFZxeh4_f9O2-cDzd5pZyk9dIOtgzqQyaA=
1K4kHeqaJ9QczAlsxwjKiRQAGAJSB8skAnJFJ1tUZ5RkGpXrjwXXg_5Nsmx8TSUGApnAx47fUnQ=
kbm4LqGHLhmPrihLGoKs8drasgl9FNgL7Pd9P_xpE9jn59kOBfZyjWkuK--C1NZ4reP8mVN97G6=
3rzXzg4-nNNZzTVuTjaelpsZDiS9PG8NRq__yO-JPAAAA__9ZVWCq" target=3D"_blank" re=
l=3D"noopener">Contact</a>
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-7" align=3D"center" width=3D"100%" borde=
r=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"=
mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-c=
ontent stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0=
;color:#333;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td=20
class=3D"column column-1" width=3D"25%" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;font-weight:400;text-align:left;vertical-align:top;border-top:0=
;border-right:0;border-bottom:0;border-left:0"><table class=3D"image_block =
block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" ro=
le=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td=
 class=3D"pad" style=3D"width:100%"><div class=3D"alignment" align=3D"cente=
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ty.png" style=3D"display:block;height:auto;border:0;width:100%" width=3D"65=
" alt=3D"Image" title=3D"Image" height=3D"auto"></div></div></td></tr></tab=
le></td><td class=3D"column column-2" width=3D"75%" style=3D"mso-table-lspa=
ce:0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;=
border-top:0;border-right:0;border-bottom:0;border-left:0"><table=20
class=3D"html_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" =
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0"><tr><td class=3D"pad"><div style=3D"font-family:Arial,Helvetic=
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  <p style=3D"font-size: 14px; line-height: 14px; margin: 0;"><span style=
=3D"font-size: 12px;">Equal Housing Opportunity NMLS #133519 For current li=
censes, visit www.nmlsconsumeraccess.com. Hometown Equity Mortgage, LLC, DB=
A theLender, 25531 Commercentre Dr #250, Lake Forest, CA 92630. Arizona Mor=
tgage Banker License No. BK-1018248. All loans must meet Hometown Equity Mo=
rtgage=E2=80=99s underwriting guidelines. This information is intended for =
the exclusive use of licensed real estate and mortgage lending professional=
s in accordance with local laws and regulations. Distribution to the genera=
l public is prohibited. Loans made or arranged pursuant to the California F=
inancing Law. </span></p>
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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.</span></p>
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