Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id QA0YO7X3UWf1QAYAchKAPA (envelope-from ) for ; Thu, 05 Dec 2024 12:57:57 -0600 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Thu, 05 Dec 2024 12:57:57 -0600 Received: from pc234-199.mailgun.net ([143.55.234.199]:61992) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.96.2) (envelope-from ) id 1tJH2z-001isz-1U for andrew@sterlingcal.com; Thu, 05 Dec 2024 12:57:57 -0600 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1733425060; x=1733432260; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=iSw8LejyK9A1dxZAM2881qQFehvqwCvWxTDQzXmW4aA=; b=ooDeE1PC0ObP5z0o3eXn+AAFniazvSY00XfliqeN/FjDi3GEoTlDbDJueI1/fO55ckk/VhasMKC7bYh7wUIzY4wrUcxJHd9dDFWWQfiArR9mw0i8ONGlIwjjmE0MWoehTBWswHxIjIzaygyAzrt/s0vTi8LF8ckWyC9pFQCW8ZExAHlrNGG9Ae2RlT/PgA4LWS6hZZ4UNwvBQl1hI7+MsCYKxOEQmJ5X3qtUpGkqbIiMk0qdZ0nufwzTxn9ZXm7THEk+7cLYEpaHSBHF1mDU9hAOJtlQuKxwQ27ZfPzebDcllRIucCMLeFFwlzUZ5zVm1kfZhz6dWRQzZKWM7Vw2sg== 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 c4bca5f81c3c with HTTP id 6751f7a4d993c6ac3c14e793; Thu, 05 Dec 2024 18:57:40 GMT Sender: cleclair@thelender.com Date: Thu, 05 Dec 2024 18:57:40 +0000 Mime-Version: 1.0 Subject: theSECOND from theLender From: cleclair@thelender.com To: andrew@sterlingcal.com X-Mailgun-Variables: {"entityId": "C6UJ9A01CSIY", "entityType": "Contact", "itemId": "04a9c789-5188-4c9f-a217-4846975fc017", "sourceType": "emailblast", "templateId": "Q6UJ9A07Y8DC"} Message-Id: <20241205185740.773eee60eb1c9a7e@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
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3D"We

Is you= r client looking to access the equity in their home without impacting their= primary mortgage interest rate? 

 

theLender has you covered!

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A stand al= one and piggyback equity second that allows homeowners to access the equity= in their homes without losing their low interest rate firsts.

  • Loan Amounts up to $550k
  • FICOs starting at = 660
  • O/O Full Doc max 80% CLTV
  • O/O Bank Statements max 80% CLTV
  • N/O/O Full Doc max up= to 80% CLTV
  • N/O/O Bank Statement max up to 70% CLTV
  • Max DTI up to 50% 

  • Now Allowing 1st lien to have I/O featur= es (Max DTI 45%)

  • O/O: Use original appraisal within= 12 months and Appraisal Review or New appraisal with AVM is required<= /span>
  • N/O: Use original = appraisal within 12 months and Appraisal Review or New 2055 appraisal and a= ppraisal review
  • Combined Liens up to $2.5MM
  • No Assets required
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Or open more options= with

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  • IMPROVED Pricing
  • Now allowing "Alt Doc"
  • 1- & 2-year docu= mentation options for all doc types including:
  • Personal Bank Statem= ents
  • Business Bank Statements
  • Approved in more states
    • <= li> 700 FICO to $350k increased top 90% max LTV for full doc
  • 680 FICO t= o $350k increased to 85% for full doc
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    <= li class>Cash Out up to $500K
  • Minimum FICO lowered to 680
  • 2nd homes allowed to 80%
  • Investment transactions allowed to 75%
  • Geographic LTV restric= tions removed
  • Rural properties are not eligible
  • LTV on condominiums limited to 80%

  • Maximum loan amount up to $550K

  • M= inimum loan amount to $75K

  • Upper FICO tier lowered to 720

Camero= n Leclair

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

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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.


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