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Subject: Save .375 on NonQM Purchase & C/O Refi with theLender
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IJPT_y-fuXAT02e_ZTG5HdRwvOWvPAQ3dtvlJdL153Vt6OfAAAA__9T3WQp" target=3D"_bla=
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ble-rspace:0;font-weight:400;text-align:left;background-color:#fff;vertical=
-align:top;border-top:0;border-right:0;border-bottom:0;border-left:0"><tabl=
e class=3D"image_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%"><div class=3D"al=
ignment" align=3D"center" style=3D"line-height:10px"><div=20
style=3D"max-width:700px"><img src=3D"https://d15k2d11r6t6rl.cloudfront.net=
/public/users/Integrators/3fd3a448-3d02-49a4-af26-a82213fec67e/thelender/20=
23_Xmas.jpg" style=3D"display:block;height:auto;border:0;width:100%" width=
=3D"700" alt title height=3D"auto"></div></div></td></tr></table><table cla=
ss=3D"text_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"0" cel=
lspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-=
rspace:0;word-break:break-word"><tr><td class=3D"pad"=20
style=3D"padding-bottom:10px;padding-left:20px;padding-right:20px;padding-t=
op:15px"><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;font-size:34px;mso-line-height-alt:40.8px">
<strong><span style=3D"word-break: break-word; font-size: 34px;"><span styl=
e=3D"word-break: break-word;">Save <span style=3D"word-break: break-word; c=
olor: #e4002b;">.375</span> on all </span><span style=3D"word-break: break-=
word; color: #e4002b;">Non-QM</span></span></strong></p><p style=3D"margin:=
0;text-align:center;font-size:34px;mso-line-height-alt:40.8px"><strong><spa=
n style=3D"word-break: break-word; font-size: 34px; color: #555555;">Purcha=
se and Cash-Out Refinance</span></strong></p><p=20
style=3D"margin:0;text-align:center;font-size:34px;mso-line-height-alt:40.8=
px"><strong><span style=3D"word-break: break-word; font-size: 34px; color: =
#555555;">deals this month.</span></strong></p></div></div></td></tr></tabl=
e></td></tr></tbody></table></td></tr></tbody></table><table class=3D"row r=
ow-4" align=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0" cellsp=
acing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rsp=
ace:0"><tbody><tr><td><table class=3D"row-content stack" align=3D"center"=
=20
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" styl=
e=3D"mso-table-lspace:0;mso-table-rspace:0;background-color:#fff;color:#000=
;border-radius:0;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td cl=
ass=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-tabl=
e-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top:5=
px;vertical-align:top;border-top:0;border-right:0;border-bottom:0;border-le=
ft:0"><table class=3D"text_block block-1" width=3D"100%" border=3D"0"=20
cellpadding=3D"10" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tab=
le-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;f=
ont-family:Arial,Helvetica Neue,Helvetica,sans-serif;mso-line-height-alt:21=
px;color:#555;line-height:1.5"><p style=3D"margin:0;font-size:14px;text-ali=
gn:center;mso-line-height-alt:21px">
<strong>Note:</strong> Foreign National Borrowers are not eligible.&nbsp; A=
ll loans must be <strong>LOCKED</strong> by Dec 31, 2024</p></div></div></t=
d></tr></table></td></tr></tbody></table></td></tr></tbody></table><table c=
lass=3D"row row-5" 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-table-rspace:0"><tbody><tr><td><table class=3D"row-content stack" align=
=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=20
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;backgr=
ound-color:#fff;color:#000;width:700px;margin:0 auto" width=3D"700"><tbody>=
<tr><td class=3D"column column-1" width=3D"16.666666666666668%" style=3D"ms=
o-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;padding=
-bottom:5px;padding-top:5px;vertical-align:top;border-top:0;border-right:0;=
border-bottom:0;border-left:0"><table class=3D"empty_block block-1" width=
=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0"=20
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><=
td class=3D"pad"><div></div></td></tr></table></td><td class=3D"column colu=
mn-2" width=3D"83.33333333333333%" style=3D"mso-table-lspace:0;mso-table-rs=
pace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top:5px;v=
ertical-align:top;border-top:0;border-right:0;border-bottom:0;border-left:0=
"><table class=3D"text_block block-1" width=3D"100%" border=3D"0" cellpaddi=
ng=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;mso-l=
ine-height-alt:16.8px"><span style=3D"word-break: break-word; font-size: 17=
px;"><strong>Non-QM Programs at theLender</strong></span></p><ul style=3D"l=
ine-height:1.2;mso-line-height-alt:20.4px;font-size:15px"><li>
<span style=3D"word-break: break-word; font-size: 15px;"><span style=3D"wor=
d-break: break-word; color: #e4002b;"><strong>Asset Qualifier</strong></spa=
n>: For those sitting stacks of cash looking to</span><br><span style=3D"wo=
rd-break: break-word; font-size: 15px;">put their savings to work</span></l=
i><li>
<span style=3D"word-break: break-word; font-size: 15px;"><span style=3D"wor=
d-break: break-word; color: #e4002b;"><strong>Bank Statement Qualifier</str=
ong></span>: For those who are self-employed and</span><br><span style=3D"w=
ord-break: break-word; font-size: 15px;">looking to own a home</span></li><=
li>
<span style=3D"word-break: break-word; font-size: 15px;"><span style=3D"wor=
d-break: break-word; color: #e4002b;"><strong>Full Doc Qualifier</strong></=
span>: For those who file income the traditional way</span><br><span style=
=3D"word-break: break-word; font-size: 15px;">looking to expand their loan =
qualifications</span></li><li>
<span style=3D"word-break: break-word; font-size: 15px;"><span style=3D"wor=
d-break: break-word; color: #e4002b;"><strong>Gig Qualifier</strong></span>=
: For those independent contractors &</span><br><span style=3D"word-break: =
break-word; font-size: 15px;">freelance workers that are paid like a</span>=
<br><span style=3D"word-break: break-word; font-size: 15px;">business owner=
, but may not own a business</span></li><li>
<span style=3D"word-break: break-word; font-size: 15px;"><span style=3D"wor=
d-break: break-word; color: #e4002b;"><strong>ITIN</strong></span>: A great=
 option for those borrowers who may not be able to qualify for a traditiona=
l mortgage loan because they do not have an SSN.</span></li><li><span style=
=3D"word-break: break-word; font-size: 15px;"><span style=3D"word-break: br=
eak-word; color: #e4002b;"><strong>Non-QM Premier</strong></span>: Take adv=
antage of our newest NonQM program</span><br>
<span style=3D"word-break: break-word; font-size: 15px;">which gives better=
 rates than ever before.</span></li><li><span style=3D"word-break: break-wo=
rd; font-size: 15px;"><span style=3D"word-break: break-word; color: #e4002b=
;"><strong>P & L Only</strong></span>: Results without all the BS (Bank Sta=
tements, that is!)</span></li></ul></div></div></td></tr></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"=20
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;background-color:#fff;color=
:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"colu=
mn column-1" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;padding-bottom:5px;padding-top:5px;vertical-align:top;border-top:0;bord=
er-right:0;border-bottom:0;border-left:0"><table class=3D"text_block block-=
1" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D=
"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:br=
eak-word"><tr><td class=3D"pad"><div style=3D"font-family:sans-serif"><div =
class=20
style=3D"font-size:14px;font-family:Arial,Helvetica Neue,Helvetica,sans-ser=
if;mso-line-height-alt:16.8px;color:#555;line-height:1.2"><p style=3D"margi=
n:0;text-align:center;font-size:22px;mso-line-height-alt:26.4px"><span styl=
e=3D"word-break: break-word; font-size: 16px;">See full product details at =
<strong><a href=3D"http://email.thelender.com/c/eJxUkLFuszAURp_G3ojuvdgxHjx=
ESOjn36o2Q0djXwqSMRScRnn7SmmXrt_w6ZwTnTYGjZLs0NQKiKwmybnM5dFH156v_-0FsH3t33=
_Xt8fGrl1z8aHIyXFdN4wGWXseRo0jDgMh8BgbYxpgOTsCUkhIaIBqOmEI1p-bhozWFoZBKCgTJ=
86R91NYFzkXXvrogkZUYKGKtdKVwmgrCzFUBiCY4Bu2OMrkplK2Q9QXQZ2g7j6tiQ-f-PTnU1CX=
1_y5VNu-xlsoh6BO7s7nuPNdKDgK72nOH8GnJ8Kx3vbAT1Ve_JyG5I8iCy9b8oX76F5-wvy7tu1=
Ffjn6DgAA__-ol2Z_" style=3D"text-decoration: underline; color: #e4002b;">wh=
olesale.thelender.com/nonqm-products/</a></strong></span></p><p=20
style=3D"margin:0;text-align:center;font-size:22px;mso-line-height-alt:16.8=
px">&nbsp;</p><p style=3D"margin:0;text-align:center;font-size:22px;mso-lin=
e-height-alt:26.4px"><span style=3D"word-break: break-word; font-size: 22px=
;"><strong>Contact me today to price out a deal and </strong></span></p><p =
style=3D"margin:0;font-size:22px;text-align:center;mso-line-height-alt:26.4=
px"><span style=3D"word-break: break-word; font-size: 22px;"><strong>take a=
dvantage of this special.</strong></span></p></div></div>
</td></tr></table></td></tr></tbody></table></td></tr></tbody></table><tabl=
e class=3D"row row-7" align=3D"center" width=3D"100%" border=3D"0" cellpadd=
ing=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-content stack" al=
ign=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;width:=
700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1"=
=20
width=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:4=
00;text-align:left;background-color:#fff;vertical-align:top;border-top:0;bo=
rder-right:0;border-bottom:0;border-left:0"><table class=3D"divider_block b=
lock-1" 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 border=3D"0=
" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" width=3D"95%"=
=20
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"divider_in=
ner" style=3D"font-size:1px;line-height:1px;border-top:2px solid #e4002b"><=
span style=3D"word-break: break-word;">&#8202;</span></td></tr></table></di=
v></td></tr></table><table class=3D"text_block block-2" width=3D"100%" bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D=
"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><td class=
=3D"pad"=20
style=3D"padding-bottom:20px;padding-left:10px;padding-right:10px;padding-t=
op:10px"><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=
;font-size:14px;text-align:center;mso-line-height-alt:16.8px"><span style=
=3D"word-break: break-word; font-size: 18px;"><strong>Cameron Leclair</stro=
ng></span></p><p=20
style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8=
px"><strong>(949) 312-5374</strong>&nbsp;|&nbsp;<span style=3D"word-break: =
break-word; color: #000080; font-size: 14px;"><strong>cleclair@thelender.co=
m&nbsp;</strong></span></p></div></div></td></tr></table></td></tr></tbody>=
</table></td></tr></tbody></table><table class=3D"row row-8" align=3D"cente=
r" 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"><tbody><tr><td><table class=
=3D"row-content stack" align=3D"center" border=3D"0" cellpadding=3D"0" cell=
spacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-r=
space:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td =
class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;font-weight:400;text-align:left;vertical-align:top;border-top:=
0;border-right:0;border-bottom:0;border-left:0"><table=20
class=3D"text_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10"=
 cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;word-break:break-word"><tr><td class=3D"pad"><div style=3D"fon=
t-family:sans-serif"><div class style=3D"font-family:Arial,Helvetica Neue,H=
elvetica,sans-serif;font-size:12px;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:16.8px">
<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://ema=
il.thelender.com/c/eJxUkLFu6zAMRb_G2hxQtGxZg4bAQPD8tqLN0FEimcaA7AQ2WyN_XyDt=
0vUO9-Acjq331jsj0frGAWJo0ciikz5GjkN3_h-OYIfX8f13fXvcJQ63RROpuUZOl8bnrhNg4oD=
Yc-dCRp-74BM11kwRAZ1Fi9YDNniwRCF1fY--bQPkXDnQqxRZWNYD3WYzqcwjR2qtdRCg5sa1tb=
Mc6gBMtQcgT6mXYC-mxKvqfauaY4WnCk_7vh_-vFV4MmtMC6-yVw42lbVMywel8mRtt8-V5Okkc=
5pKLmlTozLfS1IZOb78FPh3Hoaj-Yr4HQAA__9_CF2U" target=3D"_blank" rel=3D"noope=
ner">theLender.com</a> | <a style=3D"text-decoration: underline; color: #E4=
002B;" href=3D"http://email.thelender.com/c/eJxU0MFq8zAQBOCnsW4O0kqOvAcdgsH=
8_m-lzaFHabVpDLId7E1N3r6QlkKv32GGmRwa7413ioPx1mkAbEDxLKM8hhy64_k_nrTpXof3H3=
173Dh0yyyRRF0DkzNHa8jqiKkl9Bhbh0jJWUr2clFjAA3OgAHjNVg4GCKMx7YF3zSoU6qclisXn=
jOvB1omNQpPQw7UGOM06jpb19TOZKxRZ6q91uQptozmokq4ity2yp4q6Cvo930__EmroI9puUv9=
qxX0ag1xzivvldOb8FrG-YNiebZvy30lfq7kKY4llbiJEp5uJQoPObx8f_Lv3HUn9RngKwAA__9=
gsmQ2" target=3D"_blank" rel=3D"noopener">About Us</a>&nbsp;| <a style=3D"t=
ext-decoration: underline; color: #E4002B;" href=3D"http://email.thelender.=
com/c/eJxUkLtu4zAQRb9G7GQMR6QoFiwMAcJqu8XGRUo-RrEA6gFqHMF_H8BJk_YW9-Cc5LQx0=
ihBTppGAaLVKGjlmZ9jcn17-2uvIPv_4_vP-vbcyfXbyj6yuLtIrY4TSOuDlcHbbgLThCmFKbR6=
giRmh4BKokRpABu8yBitb7sOjdYWQqgU8J0yrYnKJW6LmJmWMbmopVRgoU6N0rWSydYWUqwNQDT=
Rd2TlJLK7M-9H1VwrHCoczvO8_HqrcCie6aj3sqVH5KPCQRTn11TorBQcTCXP60f0-QU_tkeJ9J=
Kkxc85ZH-wYFr27JnG5P59J_lz6_ur-HT4FQAA__-zBmSp" target=3D"_blank" rel=3D"no=
opener">Products</a>&nbsp;| <a style=3D"text-decoration: underline; color: =
#E4002B;" href=3D"http://email.thelender.com/c/eJxUkD9vgzAQRz8N3ojuDoPx4CFC=
QqVb1WboaOxLgmT-yFyL8u0rpV26_obf03vR1cag0YodmkoDka1J8SKTPIbouubyas-A3fvw-bd=
-PDZ23bqID6LuLhioRgPYNuSjx6tuCHxAH0nXOFatmhwBaSQkNEAVnTAE65u2JVPXFsax0CB3Tr=
xEzqewzmoSnofoQo2owUIZK12XGqMtLcRQGoBggm_Z4lUldxfZ9qI6F9QX1B_Hcfr3VlA_r1lu_=
sbl5rMsnAvqVXZ-iZmPQsMunNO03IJPT_y-fuXAT02e_ZTG5HdRwvOWvPAQ3dtvlJdL153Vt6Of=
AAAA__9T3WQp" target=3D"_blank" rel=3D"noopener">Mortgage Partner</a>&nbsp;=
| <a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://e=
mail.thelender.com/c/eJxUkDFvgzAQhX-NvRHdHTbGg4cICZVuVZuhozlfGiRDInCL8u8rJV=
26vuG9930pWOfQGS0BXW2AyFvSspSp3IcUuub06o-A3fvw-Zd-3G8SuutSIhd9Cb5x9YiOGaUVt=
tZQQ2LPlGA8-2hbPQUCMkhI6IBqOiCzj03bkrPWwzgqA-UiWZYk64Gvs56KzEMKbBENeKhSbWxl=
MPnKQ-LKAbDj2IrHs87hUsptU_VRUa-o3_f98K9NUc_PsxUp6vUa4pJW2ZWBrciap-WLY37sbtf=
vleXBJ3Oc8pjjVnSR-ZZjkSGFt6eNl1PXHfVPoN8AAAD__7EyYU4" 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-9" 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. All loans=
 must meet Hometown Equity Mortgage=E2=80=99s underwriting guidelines. This=
 information is intended for the exclusive use of licensed real estate and =
mortgage lending professionals in accordance with local laws and regulation=
s. Distribution to the general public is prohibited. Loans made or arranged=
 pursuant to the California Financing Law.</span></p>
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nd-color: rgb(255, 255, 255);">here</a>. You're receiving this communicatio=
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u prefer to contact us in writing, please mail any correspondence to 25531 =
Commercentre #250 Lake Forest, CA 92630.</span></p>
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