the Spot | Ap= praisals | Broker_Resources | Become_a_Partner | Rates

= theLender has some decadent deals on

theNO= NI & nearNONI

NOTE: All loans must be = locked by Feb 28th, 2025.

Noni+ and NONI58 = are not eligible. DSCR less than .75 is not eligible. Foreign 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
=
85% LTV on 1:1 including STR
No LTV Restrictions on 2-4 units
40 Year Fully Amortized Term
Rural Properties =E2=80=93 Allo= wed max 10 acres
100% gift funds allowed if borrower can verify the= y have 5% of their own funds
Recently listed properties allowed wit= h min prepay of 1 yr.
Use Highest mid score for any borrower on the= loan for both qualifying and pricing
Living Rent Free Allowed for = Experienced Investors Only
Use actual rents received with 2 months documentation dated prior to applic= ation date
STR=E2=80=99s allowed up to 75% LTV

<= span style=3D"word-break: break-word; font-size: 14px;">NONI Cash O= ut

Going to 75% LTV on Cash Out Transactions (min 700)

Going to 70% LTV= on Cash Out Transactions (min 660+)

NONI Purch= ase & R/T

Going to 85% LTV on Purchase (min 700)
Going to 75% LTV on Purchas= e (min 660+)
Going to 75% LTV o= n R/T Transactions (min 660+)
Going to 80% LTV on R/T Transactions (min 700)

nearNONI= Highlights

DSCR < 1.00

New Fico expansion down = to 660

Non-warrantable condo allowed

Loans to $3MM

Max 75% LTV purcha= se with 700 FICO

Cash-out can be used as Reserves

New Prepay options: =E2=80=93= 5, 4, 3, 2 & 1 year prepays

NOW AVAILABLE =E2=80=93 40 Year = Fully Amortized Term

NOTE: All loans must be locked by Feb 28th, = 2025.

Noni+ and NONI58 a= re not eligible. DSCR less than .75 is not eligible. Foreign National Borrowers are not eligible. =

<= /td>

Cameron Leclair

(949) 312-5374 | cleclair@thelender.co= m

<= div class style=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;fo= nt-size:12px;mso-line-height-alt:14.399999999999999px;color:#555;line-heigh= t:1.2"> theLender.com | About Us | Products | Mortgage Partner&= nbsp;| Contact

here. You're receiving this communicatio= n from us because you've given Hometown Equity Mortgage, LLC d/b/a theLende= r your email in the past, and we're trying to stay in touch with you. If yo= u prefer to contact us in writing, please mail any correspondence to 25531 = Commercentre #250 Lake Forest, CA 92630.

<= /table>
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