Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id UPaZLnEWRmfZrQwAchKAPA (envelope-from ) for ; Tue, 26 Nov 2024 12:41:53 -0600 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Tue, 26 Nov 2024 12:41:53 -0600 Received: from pc234-199.mailgun.net ([143.55.234.199]:59212) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.96.2) (envelope-from ) id 1tG0VV-003UP5-0b for andrew@sterlingcal.com; Tue, 26 Nov 2024 12:41:53 -0600 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1732646496; x=1732653696; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=PUfLTF0HknnmvwmttX5/prFKuNbI+M+Op+B/qkJvddQ=; b=V2gk/V2ZE6216/uNvm8v1UM63H3LP2FTwwARQ+WSZeMit+1iEwiMC9U7MFOeLX4h5/biBP69khwkDhRspzbAKFlsjttmEeVoj85vX/xdXpCE9THrPhypy7yA0W/nhCGzuADFDSk4LqCBhtpUCrRDKTpU5FlmBBb97NGnf5FL7kwfyw+MPtxw4bmdVD51h/PQdtjix2mZPLw2WZGvGGws0rzFQYhiHIHyY4nKDjWIalWOqaEAoFm17uBBN8S2g8f6ic1aW9Ld5ZbqknMrfxj7UWcdYlzF+JzF8gM9J3XEz89WnBhfUZ2ZmXuxl1meOKmjwn/dGCsehBJGQuw96IpvoA== 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 def967a4cf4f with HTTP id 6746166048ebc1b3baa1a690; Tue, 26 Nov 2024 18:41:36 GMT Sender: cleclair@thelender.com Date: Tue, 26 Nov 2024 18:41:36 +0000 Mime-Version: 1.0 Subject: theLender | Save on theNONI and earNONI From: cleclair@thelender.com To: andrew@sterlingcal.com X-Mailgun-Variables: {"entityId": "C6UJ9A01CSIY", "entityType": "Contact", "itemId": "1b7d29c5-4d76-46d5-92aa-2d1849ddd988", "sourceType": "emailblast", "templateId": "Q6UJ9A0FTD4Z"} Message-Id: <20241126184136.ec9290e894886fdd@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
=
=
= Gobble, gobble, gobble up these deals on

theNONI & nearNONI

before it's too late.

 =

NOTE: All loans must be locked by Novemb= er 30, 2024.  

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

=

100 BPS

Price Special on Cash-Out Refi

5-year prepay r= equired

 

50 BPS

Price Special on Cash-Out Refi

3-year= prepay required

 

50 BPS

Price Special on Purchase

= 5-year prepay required

 

<= p=20 style=3D"margin:0;font-size:22px;text-align:center;mso-line-height-alt:26.4= px">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 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>
    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>
    3D'clear'