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Subject: Cheers to Big Savings at theLender
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px"><span style=3D"word-break: break-word; color: #ffffff; font-size: 14px;=
"><strong style=3D"color:#fff">
<a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://email.th=
elender.com/c/eJxUkLtu4zAQRb-G7GRwhpRIFSwMYwXI1S52t3DJxygSQD0gTSL47wM4adLe4=
h6ck31tLVgjyYPVtTMIyklaeOJnn_2t-X9vrwpuf_vH9_rvuZG_rQuHxHL0ocEGtU0JBxsdJZVN=
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_00qM5TCWWcLBkmrcSmPrs_3zFuP_63T3kh8fPAAAA__8vI2JY" target=3D"_blank" rel=
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9TXw4_AwAAP__x79okA" target=3D"_blank" style=3D"text-decoration: none; colo=
r: #FFFFFF;" rel=3D"noopener">Appraisals&nbsp; &nbsp; &nbsp;</a></strong><s=
trong><a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://em=
ail.thelender.com/c/eJxUkL1qwzAUhZ9G2hx0ryRLGjSEUIMztbQdMurnujHIjrHVmrx9Ien=
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oIWUcVtWxdMG7AzEePArUAgWARlD2Qa1G5NkKApCIEpkS9UqE503pIt4mPlaY-e2OHKNVgGxQgG=
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x--z9eCjKYwllrBVXmlaSqjUZ__2tHF-ee0u_MfjbwAAAP__HOZiZA" target=3D"_blank" r=
el=3D"noopener">Broker<span style=3D"word-break: break-word; color: #e4002b=
;"> </span>Resources&nbsp; &nbsp; &nbsp;</a></strong><strong><a style=3D"te=
xt-decoration: none; color: #FFFFFF;" href=3D"http://email.thelender.com/c/=
eJxUkL1u4zAQBp9G7GRwl6RIFSwM4wTI1R0uKVxS5MoWQP2A2kTw2wdw0qT9im8wk7yxFqwW5ME=
q4zSCdIIWnvjZJ39p3q_tWcLlf3_7Wd-eG_nLunCILB4-yZaSaRsgMCpo6UbXxIhoXESZRhCTR4=
lGgkRwCNqdqG1Qt80AAaIeIFRa8oMyLYnKKa6zmJjmPnnrxkHp0dUoQdXajK4OA6h6iGCsjQkSK=
ZH9g3nbK3WusKuwO47j9Outwm5eC9_DneotFF6oVNiJ4sOSCh2VljtTydNyjyG_8Pv6USK9NGkO=
Ux5y2FkwzVsOTH3y_76jXP_87W7i0-NXAAAA___SxmTw" target=3D"_blank" rel=3D"noop=
ener">Become<span style=3D"word-break: break-word; color: #e4002b;"> </span=
>a<span style=3D"word-break: break-word; color: #e4002b;"> </span>Partner&n=
bsp; &nbsp; &nbsp;</a></strong>
<strong style=3D"color:#fff"><a style=3D"text-decoration: none; color: #FFF=
FFF;" href=3D"http://email.thelender.com/c/eJxUkL1u4zAQBp-G7GRwl6RIFSwM4wTI=
1R3urnDJn1UkgJINaRPBbx_ASZP2K77BTAnWOXBGUgCnrTcIyktaeebnUMKl_X_tzgouf4fb9_r=
v-aBwua8cM8speFMQDXTKjiXbElvtYkk25YSZEnk5B1RoFSgEj2D8iboWTdcmiJBNgiiM4okqrY=
W2U74vcmZahhKcH5M2o29QgW6MHX0TE-gmZbDO5QKFtKxhYn7sQp8F9gL74zhOP94E9ltk2ici3=
gX2cgtxLRsdwqidaavz-pZjfYH3-_uW6SVIS5xrqnFnybQ8amQaSvjzleP663d_kx8BPwMAAP__=
Ofljkg" target=3D"_blank" rel=3D"noopener">Rates<strong>&nbsp; &nbsp; &nbsp=
;</strong></a><a href=3D"http://email.thelender.com/c/eJxUkLtu6zAQBb-G7GRwl=
08VLAzjCpCrGyQpXPKxigRQkiExEfz3AZw0aU9xBjPZa2vBKk4erNROIQjHaalTffTZX8z7tT0L=
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CU6KOVGjJtJ3SOvOp0txnb90QpRpcgwJko_TgmhBBNjGBtjZlyCR58WOt953JM8OOYXeMa6E9FD=
r9-WTY1ZHWozDs-ObDkjc6mBJ7pa1My0cK5Yne188t0VOR5jCVWMJeeaX5XkKlPvuXnyDXf_-7G=
__y-B0AAP__VNZjew" target=3D"_blank" style=3D"text-decoration: none; color:=
 #FFFFFF;" rel=3D"noopener">theOWL</a></strong></span></strong></strong></s=
trong></p></div></div></td></tr></table></td></tr></tbody></table></td></tr=
></tbody></table><table
 class=3D"row row-3" align=3D"center" width=3D"100%" border=3D"0" cellpaddi=
ng=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" ali=
gn=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pres=
entation" style=3D"mso-table-lspace:0;mso-table-rspace:0;background-color:#=
fff;border-radius:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tb=
ody><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"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 clas=
s=3D"pad" style=3D"width:100%;padding-right:0;padding-left:0"><div class=3D=
"alignment" align=3D"center" style=3D"line-height:10px"><div=20
class=3D"fullWidth" style=3D"max-width:700px"><img src=3D"https://d15k2d11r=
6t6rl.cloudfront.net/public/users/Integrators/3fd3a448-3d02-49a4-af26-a8221=
3fec67e/thelender/20231226_NewYear_HTEM.jpg" style=3D"display:block;height:=
auto;border:0;width:100%" width=3D"700" alt=3D"We are here for you, America=
" title=3D"We are here for you, America" height=3D"auto"></div></div></td><=
/tr></table></td></tr></tbody></table></td></tr></tbody></table><table clas=
s=3D"row row-4" align=3D"center" 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"><tbody><tr><td><table class=3D"row-content s=
tack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" rol=
e=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;backgroun=
d-color:#fff;border-radius:0;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"0" cellspacing=3D"0" role=3D"=
presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:bre=
ak-word"><tr><td class=3D"pad" style=3D"padding-bottom:10px;padding-left:20=
px;padding-right:20px;padding-top:15px"><div=20
style=3D"font-family:sans-serif"><div class style=3D"font-family:Arial,Helv=
etica Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14.39999=
9999999999px;color:#555;line-height:1.2"><p style=3D"margin:0;text-align:ce=
nter;font-size:34px;mso-line-height-alt:40.8px">
<span style=3D"word-break: break-word; font-size: 34px;"><span style=3D"wor=
d-break: break-word; color: #555555;"><strong> </strong></span><span style=
=3D"word-break: break-word; color: #555555; font-size: 30px;"><strong>theLe=
nder's New Year's Specials </strong></span></span><span style=3D"word-break=
: break-word; font-size: 30px; color: #555555;"><strong>have arrived.</stro=
ng></span></p><p style=3D"margin:0;text-align:center;font-size:34px;mso-lin=
e-height-alt:40.8px">
<span style=3D"word-break: break-word; font-size: 22px; color: #555555;"><s=
trong>Contact me today to take advantage of these great deals.</strong></sp=
an></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%" bo=
rder=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"r=
ow-content 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:#282828;border-radius:0;color:#000;width:700px=
;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" widt=
h=3D"100%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;t=
ext-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"text_b=
lock block-1" width=3D"100%" border=3D"0" cellpadding=3D"10"=20
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-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,He=
lvetica Neue,Helvetica,sans-serif;mso-line-height-alt:16.8px;color:#555;lin=
e-height:1.2"><p style=3D"margin:0;font-size:22px;text-align:center;mso-lin=
e-height-alt:26.4px">
<span style=3D"word-break: break-word; color: #ffffff;"><span style=3D"word=
-break: break-word; font-size: 46px;"><strong>theNONI & nearNONI</strong></=
span></span></p></div></div></td></tr></table></td></tr></tbody></table></t=
d></tr></tbody></table><table class=3D"row row-6" align=3D"center" width=3D=
"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentatio=
n" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table cl=
ass=3D"row-content 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;border-radius:0;color:#000;width:700px;ma=
rgin:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" width=
=3D"50%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;tex=
t-align:left;padding-bottom:5px;padding-top:5px;vertical-align:top;border-t=
op:0;border-right:0;border-bottom:0;border-left:0"><table class=3D"text_blo=
ck 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;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;font-size:22px;text-align:center;ms=
o-line-height-alt:26.4px">
<span style=3D"word-break: break-word; font-size: 22px;"><strong>&nbsp;</st=
rong></span><span style=3D"word-break: break-word; font-size: 46px;"><stron=
g><span style=3D"word-break: break-word; color: #d69810;">100 BPS</span>&nb=
sp;</strong></span></p><p style=3D"margin:0;font-size:22px;text-align:cente=
r;mso-line-height-alt:26.4px">Pricing Incentive on Cash Out</p><p style=3D"=
margin:0;font-size:22px;text-align:center;mso-line-height-alt:26.4px">
<span style=3D"word-break: break-word; color: #d69810;"><strong><span style=
=3D"word-break: break-word;">5-year prepay required</span></strong></span><=
/p><p style=3D"margin:0;font-size:22px;text-align:center;mso-line-height-al=
t:14.399999999999999px">&nbsp;</p><p style=3D"margin:0;text-align:center;ms=
o-line-height-alt:26.4px"><span style=3D"word-break: break-word; color: #d6=
9810; font-size: 46px;"><strong>50 BPS</strong></span></p><p=20
style=3D"margin:0;font-size:22px;text-align:center;mso-line-height-alt:26.4=
px">Pricing Incentive on Cash Out</p><p style=3D"margin:0;font-size:22px;te=
xt-align:center;mso-line-height-alt:26.4px"><span style=3D"word-break: brea=
k-word; color: #d69810;"><strong><span style=3D"word-break: break-word;">3-=
year prepay required</span></strong></span></p></div></div></td></tr></tabl=
e></td><td class=3D"column column-2" width=3D"50%"=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"0" cellspacing=3D"0" role=3D"=
presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:bre=
ak-word"><tr><td class=3D"pad" style=3D"padding-bottom:10px;padding-left:20=
px;padding-right:20px;padding-top:15px"><div=20
style=3D"font-family:sans-serif"><div class style=3D"font-family:Arial,Helv=
etica Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14.39999=
9999999999px;color:#555;line-height:1.2"><p style=3D"margin:0;font-size:22p=
x;text-align:center;mso-line-height-alt:26.4px"><span style=3D"word-break: =
break-word; font-size: 46px; color: #d69810;"><strong>50 BPS</strong></span=
></p><p style=3D"margin:0;font-size:22px;text-align:center;mso-line-height-=
alt:26.4px">
<span style=3D"word-break: break-word; font-size: 22px;">Pricing Incentive =
on Purchase</span></p><p style=3D"margin:0;font-size:22px;text-align:center=
;mso-line-height-alt:26.4px"><span style=3D"word-break: break-word; font-si=
ze: 22px; color: #d69810;"><strong><span style=3D"word-break: break-word;">=
5-year prepay required</span></strong></span></p><p style=3D"margin:0;font-=
size:22px;text-align:center;mso-line-height-alt:14.399999999999999px">&nbsp=
;</p><p=20
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: 20px; color: #d69810;=
"><strong><span style=3D"word-break: break-word; font-size: 46px;">25 BPS</=
span></strong></span></p><p style=3D"margin:0;font-size:22px;text-align:cen=
ter;mso-line-height-alt:26.4px">Pricing Incentive on Purchase</p><p style=
=3D"margin:0;font-size:22px;text-align:center;mso-line-height-alt:26.4px">
<span style=3D"word-break: break-word; color: #d69810;"><strong><span style=
=3D"word-break: break-word;">3-year prepay required</span></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" cellspacing=3D=
"0"=20
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;backgr=
ound-color:#fff;border-radius:0;color:#000;width:700px;margin:0 auto" width=
=3D"700"><tbody><tr><td class=3D"column column-1" width=3D"100%" style=3D"m=
so-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;paddin=
g-bottom:5px;padding-top:5px;vertical-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" 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;font-size:16px;ms=
o-line-height-alt:19.2px">
<span style=3D"word-break: break-word; font-size: 16px;">(Noni+ and NONI58 =
are not eligible. DSCR less than .75 not eligible.</span></p><p style=3D"ma=
rgin:0;text-align:center;font-size:16px;mso-line-height-alt:19.2px"><span s=
tyle=3D"word-break: break-word; font-size: 16px;">Foreign National Borrower=
s not eligible.)</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"=20
role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbod=
y><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-tabl=
e-lspace:0;mso-table-rspace:0;background-color:#282828;border-radius:0;colo=
r:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"col=
umn 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"><span styl=
e=3D"word-break: break-word; color: #ffffff;"><span style=3D"word-break: br=
eak-word; font-size: 46px;"><strong>NonQM Programs</strong></span></span></=
p><p style=3D"margin:0;font-size:14px;text-align:center;mso-line-height-alt=
:16.8px">
<span style=3D"word-break: break-word; color: #ffffff; font-size: 22px;"><s=
pan style=3D"word-break: break-word;">(NonQM Premier, NonQM+, and NonQM)</s=
pan></span></p></div></div></td></tr></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"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><table cla=
ss=3D"row-content 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;border-radius:0;color:#000;width:700px;ma=
rgin: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-weight:400;te=
xt-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"text_bl=
ock 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;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-b=
ottom:10px;padding-left:20px;padding-right:20px;padding-top:15px"><div styl=
e=3D"font-family:sans-serif"><div class style=3D"font-family:Arial,Helvetic=
a Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14.399999999=
999999px;color:#555;line-height:1.2"><p style=3D"margin:0;text-align:center=
;font-size:20px;mso-line-height-alt:24px">
<span style=3D"word-break: break-word; font-size: 46px;"><strong>.375 Prici=
ng Incentive</strong></span></p><p style=3D"margin:0;text-align:center;font=
-size:20px;mso-line-height-alt:24px">on Purchase and Cash-Out Refinance</p>=
<p style=3D"margin:0;text-align:center;font-size:20px;mso-line-height-alt:2=
4px"><span style=3D"word-break: break-word; font-size: 14px;">(Foreign Nati=
onal Borrowers not eligible)</span></p></div></div></td></tr></table></td><=
/tr></tbody></table></td></tr></tbody></table><table=20
class=3D"row row-10" align=3D"center" width=3D"100%" border=3D"0" cellpaddi=
ng=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" ali=
gn=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pres=
entation" style=3D"mso-table-lspace:0;mso-table-rspace:0;background-color:#=
282828;border-radius:0;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:22px;text-align:center;mso-line-height-alt:26.4px"><span styl=
e=3D"word-break: break-word; color: #ffffff;"><span style=3D"word-break: br=
eak-word; font-size: 46px;"><strong>FHA Programs</strong></span></span></p>=
<p style=3D"margin:0;font-size:22px;text-align:center;mso-line-height-alt:2=
6.4px">
<span style=3D"word-break: break-word; color: #ffffff; font-size: 22px;"><s=
pan style=3D"word-break: break-word;">Including Stretch, High Balance, theN=
ADA and theNADA+</span></span></p></div></div></td></tr></table></td></tr><=
/tbody></table></td></tr></tbody></table><table class=3D"row row-11" 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"><tbo=
dy><tr><td><table class=3D"row-content stack" align=3D"center" border=3D"0"=
=20
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0;background-color:#fff;border-radius: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-table-rspace:0;fo=
nt-weight:400;text-align:left;padding-bottom:5px;padding-top:5px;vertical-a=
lign: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"=20
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><td class=3D"pad" =
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=
;font-size:20px;text-align:center;mso-line-height-alt:24px">
<span style=3D"word-break: break-word; font-size: 20px;"><strong><span styl=
e=3D"word-break: break-word; font-size: 46px;">25 BPS Price Incentive</span=
></strong></span></p></div></div></td></tr></table><table class=3D"text_blo=
ck block-2" 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;word-=
break:break-word"><tr><td class=3D"pad" style=3D"padding-bottom:10px;paddin=
g-left:20px;padding-right:20px;padding-top:15px"><div=20
style=3D"font-family:sans-serif"><div class style=3D"font-family:Arial,Helv=
etica Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14.39999=
9999999999px;color:#555;line-height:1.2"><p style=3D"margin:0;font-size:20p=
x;text-align:center;mso-line-height-alt:24px"><span style=3D"word-break: br=
eak-word; font-size: 15px;"><strong>NOTE:</strong> All loans must be <span =
style=3D"word-break: break-word; color: #d69810;"><strong>locked</strong></=
span> by January 31st, 2024</span></p></div></div></td></tr>
</table></td></tr></tbody></table></td></tr></tbody></table><table class=3D=
"row row-12" 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-ta=
ble-rspace:0"><tbody><tr><td><table class=3D"row-content stack" align=3D"ce=
nter" 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;bord=
er-radius:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr>=
<td=20
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;padding-bottom:5px;padding-top=
:5px;vertical-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" cel=
lpadding=3D"10" 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"><d=
iv 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"><span styl=
e=3D"word-break: break-word; color: #d69810;"><strong><span style=3D"word-b=
reak: break-word; font-size: 26px;">Contact me today to secure these limite=
d-time offers.</span></strong></span></p></div></div></td></tr></table></td=
></tr></tbody></table></td></tr></tbody></table><table=20
class=3D"row row-13" align=3D"center" width=3D"100%" border=3D"0" cellpaddi=
ng=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" ali=
gn=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pres=
entation" style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;width:7=
00px;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;background-color:#fff;vertical-align:top;border-top:0;border-right:0;bo=
rder-bottom:0;border-left:0"><table class=3D"divider_block block-1" width=
=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"present=
ation" 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 #282828"><=
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-14" align=3D"cent=
er" 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"image_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0"=
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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. Arizona Mor=
tgage Banker License No. BK-1018248. All loans must meet Hometown Equity Mo=
rtgage=E2=80=99s underwriting guidelines. This information is intended for =
the exclusive use of licensed real estate and mortgage lending professional=
s in accordance with local laws and regulations. Distribution to the genera=
l public is prohibited. Loans made or arranged pursuant to the California F=
inancing Law. </span></p>
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ou prefer to contact us in writing, please mail any correspondence to 25531=
 Commercentre #250 Lake Forest, CA 92630.</span></p>
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