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Subject: Save on FHA Loans this month at theLender
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aHSN4kUmufU5npq3p_aozeml__hbX29XjqfLIolEjTFw20JuE6QQ0NEQEFs8t8Ngrc0JvZqi1Ra=
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pct8odK9tVttv3_fDvrbLdmoS3kVm2ynZqjWnJK-8V6E14LdPySancwdvlayW-C_KcpnIuaRMlP=
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es</a></strong></span>
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0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align:top;bor=
der-top:0;border-right:0;border-bottom:0;border-left:0"><table class=3D"ima=
ge_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"alignment" align=
=3D"center" style=3D"line-height:10px"><div style=3D"max-width:700px"><img=
=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/pub/izn8/7h0w4ujj/hds/7jr/fna/=
20241217_FHA-Specials.jpg" style=3D"display:block;height:auto;border:0;widt=
h:100%" width=3D"700" alt=3D"Image" title=3D"Image" height=3D"auto"></div><=
/div></td></tr></table></td></tr></tbody></table></td></tr></tbody></table>=
<table class=3D"row row-4" align=3D"center" width=3D"100%" border=3D"0" cel=
lpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-l=
space:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content stac=
k"=20
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"p=
resentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;widt=
h: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-table-rspace:0;font-weigh=
t:400;text-align:left;background-color:#fff;vertical-align:top;border-top:0=
;border-right:0;border-bottom:0;border-left:0"><table class=3D"text_block b=
lock-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;word-b=
reak:break-word"><tr><td class=3D"pad" style=3D"padding-bottom:10px;padding=
-left:20px;padding-right:20px;padding-top:15px"><div style=3D"font-family:s=
ans-serif"><div class style=3D"font-family:Arial,Helvetica Neue,Helvetica,s=
ans-serif;font-size:12px;mso-line-height-alt:14.399999999999999px;color:#55=
5;line-height:1.2"><p style=3D"margin:0;text-align:center;mso-line-height-a=
lt:14.399999999999999px">
<span style=3D"word-break: break-word; font-size: 30px;">This December, the=
Lender is offering a</span></p><p style=3D"margin:0;text-align:center;mso-l=
ine-height-alt:36px"><span style=3D"word-break: break-word; color: #e4002b;=
 font-size: 46px;"><strong><span style=3D"word-break: break-word;">.25 Pric=
e Special</span></strong></span></p><p style=3D"margin:0;text-align:center;=
mso-line-height-alt:55.199999999999996px"><span style=3D"word-break: break-=
word; font-size: 30px;"> on all </span></p><p=20
style=3D"margin:0;text-align:center;mso-line-height-alt:36px"><span style=
=3D"word-break: break-word; font-size: 46px; color: #e4002b;"><strong>FHA P=
ROGRAMS </strong></span></p><p style=3D"margin:0;text-align:center;mso-line=
-height-alt:55.199999999999996px"><span style=3D"word-break: break-word; fo=
nt-size: 30px;">including </span></p><p style=3D"margin:0;text-align:center=
;mso-line-height-alt:36px">
<span style=3D"word-break: break-word; color: #e4002b; font-size: 26px;"><s=
trong><span style=3D"word-break: break-word;">Stretch, High Balance, theNAD=
A and theNADA+</span></strong></span></p></div></div></td></tr></table></td=
></tr></tbody></table></td></tr></tbody></table><table class=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"=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=
;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column co=
lumn-1" width=3D"16.666666666666668%" style=3D"mso-table-lspace:0;mso-table=
-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top:5p=
x;vertical-align:top;border-top:0;border-right:0;border-bottom:0;border-lef=
t:0"><table class=3D"empty_block block-1" width=3D"100%" border=3D"0"=20
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div></div></td></tr><=
/table></td><td class=3D"column column-2" width=3D"83.33333333333333%" styl=
e=3D"mso-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-r=
ight:0;border-bottom:0;border-left:0"><table class=3D"text_block block-1" w=
idth=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0"=20
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-b=
reak: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,Helve=
tica,sans-serif;mso-line-height-alt:16.8px;color:#555;line-height:1.2"><ul =
style=3D"line-height:1.2;mso-line-height-alt:16.8px;font-size:18px"><li>
<span style=3D"word-break: break-word; font-size: 18px;">Minimum credit sco=
re: </span>&nbsp;<span style=3D"word-break: break-word; color: #e4002b;"><s=
trong>550</strong></span> AUS approved, 580 manual</li><li><span style=3D"w=
ord-break: break-word; font-size: 18px;">Non-Credit Qualifying Streamline r=
efinances allowed</span></li><li><span style=3D"word-break: break-word; fon=
t-size: 18px;">Gift funds allowed for down payment and closing costs</span>=
</li><li>
<span style=3D"word-break: break-word; font-size: 18px;">Cash out 80% LTV</=
span></li><li><strong><span style=3D"word-break: break-word; font-size: 18p=
x;"><span style=3D"word-break: break-word; color: #e4002b;">Now with indust=
ry-leading pricing*!!!</span>&nbsp;&nbsp;</span></strong></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" cell=
padding=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;background-color:#fff;color:#000;width:700px;margin:0 auto" width=
=3D"700"><tbody><tr><td class=3D"column 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;font-size:14px;text-align:center;mso-line-height-alt:16.8px"><strong><s=
pan style=3D"word-break: break-word; font-size: 24px;">Need More? &nbsp;Mee=
t theNADA.</span></strong></p><p style=3D"margin:0;font-size:14px;text-alig=
n:center;mso-line-height-alt:16.8px">
<span style=3D"word-break: break-word; font-size: 16px; color: #e4002b;"><s=
trong>A True Game-Changer &nbsp;| &nbsp;100% FHA Financing</strong></span><=
/p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbod=
y></table><table class=3D"row row-7" align=3D"center" width=3D"100%" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"m=
so-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-co=
ntent stack" align=3D"center" border=3D"0" cellpadding=3D"0"=20
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;background-color:#fff;color:#000;width:700px;margin:0 auto" wid=
th=3D"700"><tbody><tr><td class=3D"column column-1" width=3D"16.66666666666=
6668%" style=3D"mso-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_bloc=
k block-1" 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"><tr><td class=3D"pad"><div></div></td></tr></table></td><td cl=
ass=3D"column column-2" width=3D"83.33333333333333%" style=3D"mso-table-lsp=
ace: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-bott=
om:0;border-left:0"><table class=3D"text_block block-1" width=3D"100%" bord=
er=3D"0" cellpadding=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"><ul style=3D"line-height:1=
=2E2;mso-line-height-alt:16.8px;font-s=
ize:18px"><li><span style=3D"word-break=
: break-word; font-size: 18px;">680 FICO Min</span></li><li><span style=3D"=
word-break: break-word; font-size: 18px;">DTI per AUS</span>
</li><li><span style=3D"word-break: break-word; font-size: 18px;">Loan Amou=
nts per county limits</span></li><li><span style=3D"word-break: break-word;=
 font-size: 18px;">First Time Homebuyer OK</span></li><li><span style=3D"wo=
rd-break: break-word; font-size: 18px;">Non Occupying Co-Borrowers Allowed<=
/span></li><li><span style=3D"word-break: break-word; font-size: 18px;">DAC=
A Borrowers eligible</span></li><li><span style=3D"word-break: break-word; =
font-size: 18px;">AUS Approve Eligible required</span></li>
</ul><p style=3D"margin:0;text-align:right;mso-line-height-alt:21.599999999=
999998px">All loans must be locked by Dec 31, 2024</p></div></div></td></tr=
></table></td></tr></tbody></table></td></tr></tbody></table><table class=
=3D"row row-8" 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" role=3D"presentati=
on"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;width:700px;margi=
n:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" width=3D"1=
00%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-al=
ign:left;background-color:#fff;vertical-align:top;border-top:0;border-right=
:0;border-bottom:0;border-left:0"><table class=3D"divider_block block-1" wi=
dth=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"pres=
entation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td=20
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%" st=
yle=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"divider_inne=
r" style=3D"font-size:1px;line-height:1px;border-top:2px solid #e4002b"><sp=
an style=3D"word-break: break-word;">&#8202;</span></td></tr></table></div>=
</td></tr></table><table class=3D"text_block block-2" 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;word-break:break-word"><tr><=
td class=3D"pad" style=3D"padding-bottom:20px;padding-left:10px;padding-rig=
ht:10px;padding-top:10px"><div style=3D"font-family:sans-serif"><div class =
style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12=
px;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:16.8=
px">
<span style=3D"word-break: break-word; font-size: 18px;"><strong>Cameron Le=
clair</strong></span></p><p style=3D"margin:0;font-size:14px;text-align:cen=
ter;mso-line-height-alt:16.8px"><strong>(949) 312-5374</strong>&nbsp;|&nbsp=
;<span style=3D"word-break: break-word; color: #000080; font-size: 14px;"><=
strong>cleclair@thelender.com&nbsp;</strong></span></p></div></div></td></t=
r></table></td></tr></tbody></table></td></tr></tbody>
</table><table class=3D"row row-9" align=3D"center" width=3D"100%" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"m=
so-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-co=
ntent 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;co=
lor:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"c=
olumn column-1" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;vertical-align:top;border-top:0;border-right:0;border-bottom:0;border-l=
eft:0"><table class=3D"text_block block-1" width=3D"100%" border=3D"0" cell=
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v style=3D"font-family:sans-serif"><div class=20
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style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt:16.8=
px">
<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://ema=
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</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-10" align=3D"center" 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"><tbody><tr><td><table class=3D"row-=
content 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=
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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=
r" style=3D"line-height:10px"><div style=3D"max-width:65px"><img=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/public/users/Integrators/3fd3a=
448-3d02-49a4-af26-a82213fec67e/ADMIN/editor_images/Equal_Housing_Opportuni=
ty.png" style=3D"display:block;height:auto;border:0;width:100%" width=3D"65=
" alt=3D"Image" title=3D"Image" height=3D"auto"></div></div></td></tr></tab=
le></td><td class=3D"column column-2" width=3D"75%" style=3D"mso-table-lspa=
ce:0;mso-table-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"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=
le-rspace:0"><tr><td class=3D"pad"><div style=3D"font-family:Arial,Helvetic=
a Neue,Helvetica,sans-serif;text-align:center" align=3D"center"><div style=
=3D"font-size: 12px; line-height: 14px; font-family: Arial, 'Helvetica Neue=
', Helvetica, sans-serif; color: #555555; text-align: left;">
  <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>
</div><br />

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  <p style=3D"font-size: 12px; line-height: 14px; margin: 0;"><span style=
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vPnlZX7zojgLAhRQT3MUEEp9yIjv6dpVbkgUX_jbl9kcosUmKR7p29BqvmhqJ6TzjjxkIdM4YCJ=
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kp8ycCof2Ehns2CSnFE4yUoAGEJaTSM_zoXNsDMgc4Bjj-12Sbzh3EQVe_ZWfHXoBjaSpdO4Djp=
nXN2U1F314BiT_0AEiU4dlZLeOTWrC4zOO2jNpjadfD7l3NJVkbaa9tadWpyC_nAs_cz9MWpV-v=
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F6B5CmrH1GA6tHtH7RAD77Y0C2FfCCUCiImcf0v4i2XMKd-8vvchZXeC4X9n0s9xsSYbTfpenfZ=
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G2NcDpRPLtbLHOS_PA-Of4TAAD__9YpzoQ" target=3D"_blank" style=3D"background-c=
olor: rgb(255, 255, 255);">here</a>. 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.</span></p>
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