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<tr><td class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:=
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 is open today, but due=
 to market closure and in observance of Columbus Day,&nbsp; rate sheets wil=
l not be published for QM.&nbsp; The Lock Desk is open for lock extensions =
and parameter changes only.&nbsp; NON-QM rate sheets will be published, and=
 Lock Desk is open normal hours.&nbsp; Please note - loans will not fund as=
 banks are closed.</span></p></div></div></td></tr>
</table></td></tr></tbody></table></td></tr></tbody></table><table class=3D=
"row row-4" align=3D"center" 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"><tbody><tr><td><table class=3D"row-content stack" align=3D"cen=
ter" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation"=
 style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;width:700px;marg=
in:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-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/eJxUkDFvgzAQRn-NvRGdD9vA4CGKhESnVm2Hjod9FCQDEb42yr-vlHbp-g3f03spuKYxj=
dUcTINth846o3mTRe5DChf__tSdwVxeh4-_9e1-5XDZN6Eoeg6pHpObImPsODJNSA6nyfpoiSPV=
SS8BAa0BY00D1pgTg4tE1NUA0Lp6VBZk5sxb4uMU91UvwuuQAnqyEL2tpsmYyhLFiqA1lU9Ni3Y=
04NnrHGaRa1H1WWGvsL_Ne-ZCmU__PhX2BwmXmVmKwl4fgbZ08E1ZKMJHXrbPSPmBL_vXEfmhyS=
stecxURAuv10zCQwovv1GGcw3P-jvgTwAAAP__fAxmUw" 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/eJxUkDF=
vgzAQRn-NvRGdD9vA4CGKhESnVm2Hjod9FCQDEb42yr-vlHbp-g3f03spuKYxjdUcTINth846o3=
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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/eJxUkDFvpDAQRn-N3bGaGYwNhYvVSkhcdadLipSDPRuQDKxgktX--0ibNGm_4nt6L8cmB=
AzOSsRAbUeNa9DKqrM-hhwv_vVPdwa8_B_eftaXx03iZVuVk9opIpCEK3bQhJGxdkLI44ihFfRt=
ysHOkYAcAjoM4BBPAk1i5q4GgLapR-NAJymyZtlPaVvsrLIMOZJnB8m76npFrBxzqhharHwOLbk=
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cyFj7Uqiy3wipDjv--gwznGv7az0hfAQAA__8FJGLJ" 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/eJxUkDF=
vpDAQRn-N3bGaGYwNhYvVSkhcdadLipSDPRuQDKxgktX--0ibNGm_4nt6L8cmBAzOSsRAbUeNa9=
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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/eJxUkDFPwzAQRn9NvKW6sy92MnioKlUKEwgYGC_2hUZy0io5iPrvkQoL=
6zd8T-_l2ISAgYxEDLbtbEMNGll00nuf48m_P3VHwNNr__G3vt1vEk_XRTmpucQQ0hAIUyDGzJK=
yOObUWe_G4MeUzRQtWEJAwgCEeBBoEjN3DgDaxg0VgV6kyJJlPaTrbCaVuc_ReiZInupxRKyJOd=
UMLdY-h9bSgODFmxIvqretcsfKnit73vf98O-tsmezRl7yKntFsKmsZVo-E5cHa7t-rUkeTjLzV=
IbCmxqV-VZYpc_x5bdAf3TwbL6j_QkAAP__TK1eZg" target=3D"_blank" rel=3D"noopene=
r">theLender.com</a> | <a style=3D"text-decoration: underline; color: #E400=
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5a2Q8ezdGkMsh1spSbfvpCWQtff8B7vpWCcQ6eVBHTUejLaoJK5jOXep3Cy70_-CHh67T9-9e1-=
lXBa5sKxqEtoUqO99449gLHkkrHsz7YlbMETgxoDAWkE1OhAIx4ETGRm3wBAa5qh0lAukmVOsh7=
iMqmxyNSnQJY1RKvr8xmx1syxZmixtsm1pAcEK1blcCnlulXNsaKuom7f98O_tIo6HpZbqf-0ok=
6tgee0yl5p2IqseZw_I-dH-7bc1iiPlTLxmIfMW1FFpmvmIn0KLz-f9McGntVXoO8AAAD__2mPY=
wc" target=3D"_blank" rel=3D"noopener">About Us</a>&nbsp;| <a style=3D"text=
-decoration: underline; color: #E4002B;" href=3D"http://email.thelender.com=
/c/eJxUkL2OpDAQBp8GZ4y6G2MgcDAaCYmL7nR3wYaN3ewgmR-ZnkXz9ivNbrLpF3ylqujrpsHG=
GvHYUNtRbWs0suqszyH6m_v_q7sC3v4Ob9_rv-cu_ratykHN3ceJmq7FyTnp3NTJOAq1dWgrBoL=
AaGZPQBYBLTZgES8CdWDmrgKAtq7GwoLeJckaJV_CtphZZRmiJ8cWgrPlNCGWljmUDC2WLjYt2R=
HBiTPJ31X3o6iuBfUF9ed5Xn68FdRnVjnKPW_xEfQoqDfZ8xqznIWFQyWneX0PnF7wY3vkIC9JW=
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ner">Products</a>&nbsp;| <a style=3D"text-decoration: underline; color: #E4=
002B;" href=3D"http://email.thelender.com/c/eJxUkL1q7DAQRp_G6rzMyJIlFyqWBYN=
vdUOSIuVYmt01yD_Ik5h9-8AmTdqv-A7npGCdQ2cUB3Tad9oai4oXmeQxpHBp3_91Z8DL6_Dxu7=
49Ng6XdRGKou7BucaMEK3vrsmD59GmaDtE03lgTl5NQYM2CGjQgUE8MdhIRF0DAN42Y2VA7px5S=
VxOcZ3VJDwPKeiWDMTW1NcrYm2IYk3gsW6T89qMCC23Koe7yLZXzbnSfaX74zhOf94q3c9rkRvd=
uN6oyMKl0r0qgZZU-KgM7MIlT8stUn7i9_WzRH5q8kxTHjPtooTnLZPwkMLLT5Th3MB_9RX0dwA=
AAP__wAVkeQ" target=3D"_blank" rel=3D"noopener">Mortgage Partner</a>&nbsp;|=
 <a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://em=
ail.thelender.com/c/eJxUkLFutDAQhJ_G7jjtLsaGwsXpJCT-6o-SFCnX9pJDMhwCJ-jePtJ=
dmrRTzMz3Jd84h85o8eio7agxDWpZylTuQ_IX-_6vOwNeXoeP3_Ttvoq_3JbCseirj45SlyDUIw=
UrZhTTBZfGiE1kCi7qyROQQUCDDgziSaCJzNzVANA2dVAGylWyLEm2U7zNeioyD8mTZQPRmmocE=
SvDHCuGFiubXEsmIFixOvtrKeuu6rOiXlF_HMfpT5uiPj7PVqSo15vnJW1yKAN7kS1Py2fk_Njd=
b19blAefzDzlkHkvusi8Zi4yJP_ytDGca_ivvz39BAAA___AGWJO" target=3D"_blank" rel=
=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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ce:0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;=
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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=
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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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