the Spot | Appraisals |&nbs= p;Broker_Resources |<= a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://email.the= lender.com/c/eJxUkDFvgzAQhX-NvRH5DoNh8BClQqJb1XRoN_t8NEiGILgW5d9XTbp0fXp6n9= 6XfOUcOKvZgyvBGKhLp3mWUW598qf67bk9Gji99u9_6fm2sD9dZwkk-uIp1CZZjGBDU9kKkKGEA= U0NQOQG1KNHgxbA_GIc1AfLdkhUVjFggw0EZY1cOPOceD3QddKj8NQnD1WK9UBcmNZRYbmNRdNi= KqJzlhyamFrS2V9Elk2VR4Wdwm7f98O_NYXdytv1ayXeFHZ69WFOK-_Kmk14zeP8SSHfuY_W_R9= PYcwxh0208LTkINwn__Kw0Z2f7If-9vgTAAD__y4WYo8" target=3D"_blank" rel=3D"noop= ener"> Become_a_Partner <= a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://email.the= lender.com/c/eJxU0L1OwzAUBeCnsbdU9rUTx4OHqihS2BBlgM0_N00k50fOhahvjygsrGc4n8= 5JrjZGGs3RSaOkELJRhuNCE9375C7N27M9C3l57d__0ut9Q3dZF_KR-OgAtRQWbKMCmGS0VKFuh= 6RbW4OIg-KTAwFaSvHDGNmcNOohRVUHDy200jMtaMSMS8JyiuvMJ8K5T07WKTRDxEpYEyuNNlSt= hVQFY3Q0IEKykWc3Em07U2cGHYPuOI7TvzYG3bwWuvkbVpsvtGBh0PHi_JIKHkyLnbDkablFnx_= 8vn6WiI-ZOPsph-x34oTzlj1hn9zL7ynd9Ul_8C8H3wEAAP__ujpk9w" target=3D"_blank" = rel=3D"noopener">| Rates=

= Save big on

theNONI & nearNONI

al= l month long.

NOTE:<= /strong> All loans must be locked by November 30, 2024.&nb= sp;

Noni+ and NONI58 are not eligible. DSCR less than .75 is not eligible. = ;Foreign National Borrowers are not eligible.

<= 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 November 30, 2024. &= nbsp;

Noni+ and NONI58 are not eligible. DSCR less than .75 is= not eligible. Foreign Natio= nal Borrowers are not eligible.

Camero= n Leclair

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

<= td class=3D"pad" style=3D"width:100%">

<= /div>

theLender.com | About Us | Products | Mortgage Partner | Contact

here. You're receiving this communication fr= om us because you've given Hometown Equity Mortgage, LLC d/b/a theLender yo= 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.

<= /table>
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