Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id OKZJFCiDWGdr5wMAchKAPA (envelope-from ) for ; Tue, 10 Dec 2024 12:06:32 -0600 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Tue, 10 Dec 2024 12:06:32 -0600 Received: from pc234-199.mailgun.net ([143.55.234.199]:46000) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.96.2) (envelope-from ) id 1tL4cx-0015LN-2T for andrew@sterlingcal.com; Tue, 10 Dec 2024 12:06:32 -0600 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1733853975; x=1733861175; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=2D4rA7b+UrT4Uxl9dlMdezvAA2obra9LpNfTa3FfSYQ=; b=j1VFogcOWHMu6Pd/D5ocCV4BFPrq0n5fsvge2507pTQ0IKuIdXd/Ypsoj0csV/dfd2L6/yfATrkw/AoatHz7En06QQ3dMyrgrd3rl2OITMdSq2gcywsMRRzqIR57lFi9sNWoAoSEeLfwK2f7EDfM67fWp+uBvBX4qqEJYE4mbHvLmu/kQpnOOPEWBMXBfq1gJpdu1wT5zx5UtWAPSXCbRZ2LzJ940S/cjEQchKdpolukSrzblmnvgudVf+J/IKW/g0/3gniKqQ88Kf+QU/8jlytPMG+xFJO3flq2YFLDui4y1dRd8kKObpvcqldpHa/0jbn3m3LCFsH9EiyLSNG3kg== 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 7f2fd423cd71 with HTTP id 675883159817f5db955599a7; Tue, 10 Dec 2024 18:06:13 GMT Sender: cleclair@thelender.com Date: Tue, 10 Dec 2024 18:06:13 +0000 Mime-Version: 1.0 Subject: theLender | theNONI and nearNONI Holiday Special From: cleclair@thelender.com To: andrew@sterlingcal.com X-Mailgun-Variables: {"entityId": "C6UJ9A01CSIY", "entityType": "Contact", "itemId": "ce4ed17f-69e1-4f81-9aa6-ad2c948df29c", "sourceType": "emailblast", "templateId": "Q6UJ9A0FTD4Z"} Message-Id: <20241210180613.3ce371c1b4aa96db@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
=
3D"We
=

Don't miss out on theLender's Holiday Special. Save big on

=

theNONI & nearNONI

 = ;

NOTE: All loans must be locked by Decem= ber 31st, 2024.  

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 December 31st, 2024. = ; 

    Noni+ and NONI58 are not eligible. DSCR less than .75 = is not eligible. Foreign Nat= ional 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 from = us because you've given Hometown Equity Mortgage, LLC d/b/a theLender your = email in the past, and we're trying to stay in touch with you. If you prefe= r to contact us in writing, please mail any correspondence to 25531 Commerc= entre #250 Lake Forest, CA 92630.

    <= /table>
    3D'clear'