Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id KLK/MyIXgGeOGAQAchKAPA (envelope-from ) for ; Thu, 09 Jan 2025 12:36:18 -0600 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Thu, 09 Jan 2025 12:36:18 -0600 Received: from pc234-199.mailgun.net ([143.55.234.199]:51722) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.96.2) (envelope-from ) id 1tVxOE-001806-0g for andrew@sterlingcal.com; Thu, 09 Jan 2025 12:36:18 -0600 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1736447761; x=1736454961; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=G1HGom788RpAqZ0GfTfT4bBbEH/KZ+wIKkXJPNQouuY=; b=TQCbkawnrOpi9uNOiAekYb6fvqWZ/UrzZjOEHxGSuWfHK7WJytlGWRQgSO90TdB1zRKb7Bhde/S4J7MtKuqk2QdGfzh84+5DW5OFIEbIEirpB03syllC+bb6GJEr4mIzgEYRdlm2Iqiz1+b5PynFLXGtPpPK2fFXJJZGtFbgU1uRt01UughOFFiteSPLslxoIYHz2wJTqDrErSHXaY7ZLTm9AVLPuFR4nK9usXF0shL7BIr7me95ivhSSKfDwZGMP+jbZfgfxjCtoefxEFIzdJEcxLnU24CfwzowYQIOlK1/v1zK6f59J3OhdpvP4YfSyfEaWYXMCRLo0437aSwHxQ== 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 15f2763c5420 with HTTP id 6780170e6073582b72020f64; Thu, 09 Jan 2025 18:35:58 GMT Sender: cleclair@thelender.com Date: Thu, 09 Jan 2025 18:35:58 +0000 Mime-Version: 1.0 Subject: theLender | Save big on theNONI and nearNONI From: cleclair@thelender.com To: andrew@sterlingcal.com X-Mailgun-Variables: {"entityId": "C6UJ9A01CSIY", "entityType": "Contact", "itemId": "0ef8b92e-be96-4252-a9c0-63dae7f3af9a", "sourceType": "emailblast", "templateId": "Q6UJ9A0FTD4Z"} Message-Id: <20250109183558.d9b5e41601b68b13@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
=
=
= Celebrate the New Year by saving big on

theNONI & nearNONI

 

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

Noni+ a= nd NONI58 are not eligible. DSCR less than .75 is not eligible. Foreig= n National Borrowers are not eligible. 

100 = BPS

Pricing Incentive for

Cash-Out Transactions

with 5-year prepay

 Pricing Incentive for

<= p style=3D"margin:0;font-size:22px;text-align:center;mso-line-height-alt:26= =2E4px"> Cash-Out T= ransactions

with 3-year prepay

 
<= /td>		=

Pricing In= centive for

Purchase Transactions

with 5-year prepa= y

 

25 BPS

<= span style=3D"word-break: break-word; font-size: 22px;">Pricing Inc= entive for

Purcha= se Transactions

with 3-year prepay

 
<= /td>

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 85% 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 January 31st, 2024. =  

    Noni+ and NONI58 are not eligible. DSCR less than .75 i= s not eligible. Foreign Nati= onal 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= prefer to contact us in writing, please mail any correspondence to 25531 C= ommercentre #250 Lake Forest, CA 92630.

    <= /table>
    3D'clear'