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Subject: You will love these deals from theLender
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ntainer" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" ro=
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style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;vertical-align:top"><table class=3D"image_block block-1" width=3D"100%"=
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le=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=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 style=3D"max-width:280px">
<a href=3D"http://email.thelender.com/c/eJxUkLFu8yAURp8GNkdwAYMHhij6LTnTX7U=
dMgL3prGEHcu-rZW3r5R26foN39E5GJ332ltJUXurbBcgKEkzj_wYMJ7a93N3VPr0Olx-17fHQv=
F0nzkVlrdInbI6uFxCcpgR2pxDKPmatTbXkL0cIyhwCsBpZ61VBwMFrMPQdYiJAIVVfKNKM9J6K=
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Y1rrOH-UVJ-s7f65Fno60ZTGmmvaWDJNS01MA8aXnwLnf__7i_yK8B0AAP__sJ1fjg" target=
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2d11r6t6rl.cloudfront.net/public/users/Integrators/3fd3a448-3d02-49a4-af26-=
a82213fec67e/ADMIN/theLender/thelenderlogo-red-emails-large.png" style=3D"d=
isplay:block;height:auto;border:0;width:100%" width=3D"280" alt=3D"the Lend=
er" title=3D"the Lender" height=3D"auto"></a></div></div></td></tr></table>=
</td></tr></tbody></table></td></tr></tbody></table><table=20
class=3D"row row-2" align=3D"center" width=3D"100%" border=3D"0" cellpaddin=
g=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" alig=
n=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"prese=
ntation" style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;width:70=
0px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" w=
idth=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;background-color:#e4002b;vertical-align:top"><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-b=
reak:break-word"><tr><td class=3D"pad"><div style=3D"font-family:sans-serif=
"><div class=20
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; 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/eJxUkLtu6zAQBb-G7GSQS1KUChaGcQXI1Q2SFC6X5DoSQD0gbSL47wM4adKe4=
gxmcnDea28lBe2tsm0DjZI088iPPodL_X5tz0pfXvvb7_r2WClclpkxsRyCv6MxuUUCFaNOTbRK=
WY93pZWrazJyDKDAKQCnnbVWnQwksC43bZszEmRhFQ9UaM60ndIyyZFp6nPwEJGyTlWsdaosGqy=
iMU2VIvmE3tV308gSBuZ1F-YsoBPQHcdx-vMmoOOBqn1dWEAnt4Bz3ugQVu1MWxnnj4Tlid2Xzy=
3RU48mHEssuLNkmtaCTH0OLz8xrv_-dzf5FeA7AAD__01zYrg" target=3D"_blank" rel=3D=
"noopener">the Spot</a>&nbsp; &nbsp; &nbsp;</strong><strong style=3D"color:=
#fff">
<a href=3D"http://email.thelender.com/c/eJxUkD1PwzAQhn9NvKWyz87X4KGqiJROIGD=
oeL47SCTng9il6r9HKiys7_DqeR72VdOYxinxpnHadS20WsmSp3wf2J_q93N31Ob0Olz-1rf7Jv=
60Lhkpq9E7ZLKOmA0HqR2JsRyCdK4VoECVmjxoqDRAZSrnnD5YIHAVt13HjAJcOJ1HibKw7AdaZ=
zVlmQf2DQQUNlSG2lDp0GIZrG1LCtIQNlX9YVsV_Zjzlgp7LKAvoL-Na5SEUQ7_Pgvod_m6Ssol=
LiVu245TwlhAr3aPC-9yK5xOWfY4LZ-E8QGS1utO8hCWGacYIqasssxbxCwD-5ffPOen5_6ivj3=
8BAAA__8ZUWst" target=3D"_blank" style=3D"text-decoration: none; color: #FF=
FFFF;" rel=3D"noopener">Appraisals&nbsp; &nbsp; &nbsp;</a></strong><strong>=
<a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://email.th=
elender.com/c/eJxUkL1qwzAUhZ9G2hzkq18PGkKowZla2g4Z9XPdGGTHyLc1eftC0qXr4XAO3=
5e9tra1iqNvrRKqc-AEx4Umug_Zn8znuTuK9vQ-XP7Sj_uK_nRbKCTiV49CjsqNdoyg3WjiKDo0=
UWAyVkurDZ88CNACQLdaKSUOEhIonV3X5RwQMlOCrlhwyVgP6TbziXAesrcQA-Y2NdG0qVFBhiZ=
K6ZoU0aZgtRml48VfidaNySODnkG_7_vh3xqDvuJ2-64JNwY9rz4sueLOlNgIa5mWrxTK4_fZev=
DhHKYSS9iIE85rCYRD9m9PG-eX1_7Cfzz8BgAA___xm2OL" target=3D"_blank" rel=3D"no=
opener">Broker<span style=3D"word-break: break-word; color: #e4002b;"> </sp=
an>Resources&nbsp; &nbsp; &nbsp;</a></strong><strong><a style=3D"text-decor=
ation: none; color: #FFFFFF;" href=3D"http://email.thelender.com/c/eJxUkL1u=
wyAURp_GbI7gGgweGKKolpypVdsh4wVuEkv4R_i2Vt6-Utql6zd8R-ckb6xVVgvyymqpOwdOCpp=
55MeQ_Kn9PHdHqU7vw-Vv_Xis5E_LzBhZ3H2LV00Wg2wlOZmaEAxJFzFYRcqBEaMHCUYCGGW01v=
LQQARtkuu6lJAgVVrynTLNicohLpMYmaYheQsBKalYh1bFWmODdWgaV8dANqI17bVxIvs787pVz=
bGCvoJ-3_fDv7cK-mkpfMMb1SsWnqlU0IvicU6F9krLjankcb5FzE_8tnyVSE9NmnDMIePGgmla=
MzINyb_9Rjm_vPYX8e3hJwAA___7TGZr" target=3D"_blank" rel=3D"noopener">Become=
<span style=3D"word-break: break-word; color: #e4002b;"> </span>a<span styl=
e=3D"word-break: break-word; color: #e4002b;"> </span>Partner&nbsp; &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/eJxUkL1OwzAURp_G3lLZ13_J4KGqiJRO=
IGDoaPteSCQnrZILUd8eqbCwfsN3dA5GF4IOVlLUwSrbtdAqSQtPfB8wnvz7uTsqfXodLn_r2_1=
G8XRdOBWWYyxdQLI-5y5hcF77VmmfQ8lYyChl5BRBgVMATjtrrToYKGAdtl2HmAhQWMUjVVqQ1k=
O5znJimgeMAXIi1KXJXpfGJpOabEzblEyhpOD8h2lljSPzbRPmKKAX0O_7fvj3JqBfE9M2EvEmo=
JdrTAuutAurNqa1TstnSfUB3q5fa6GHIM1pqrmmjSXTfKuJacD48pvj_PTcX-R3hJ8AAAD__2uN=
ZAE" target=3D"_blank" rel=3D"noopener">Rates<strong>&nbsp; &nbsp; &nbsp;</=
strong></a><a href=3D"http://email.thelender.com/c/eJxUkDGPozAQRn-N3RHZ4zGG=
wkUUHRKp7nR3RcrBHhYkAxHMbpR_v1J2m22_4nt6L0cfgg2oOdqABtsGGqN5lVmefY6X-v-1PRt=
7-dvfvtd_zzvHy7YKJdFTJG9cCmhprAOBDR69S-0wjm2CkdDrOYIBbwC89YhoTg4SoM9N2-ZMDF=
mhkYkLr5n3U9oWPQsvfY4BBuJsUzXUNlVIjqrBuaZKA4dEwdeja3SJk8j9UO6soFPQPaat8EGFT=
z8-FXQy8fYoCjq9R1rzzg-F5hDey7y-JSov9LG974lfirzQXIZCh2jh5V5IuM_xz1eQ66_f3U1_=
RPgMAAD__wWAZIs" target=3D"_blank" style=3D"text-decoration: none; color: #=
FFFFFF;" rel=3D"noopener">theOWL</a></strong></span></strong></strong></str=
ong></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"><table class=3D"=
image_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspac=
ing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspac=
e:0"><tr><td class=3D"pad" style=3D"width:100%;padding-right:0;padding-left=
:0"><div class=3D"alignment" align=3D"center" style=3D"line-height:10px"><d=
iv class=3D"fullWidth" style=3D"max-width:700px"><img=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/pub/izn8/7h0w4ujj/sln/r08/pgk/=
20250222_Feb-Special.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 h=
ere for you, America" height=3D"auto"></div></div></td></tr></table></td></=
tr></tbody></table></td></tr></tbody></table><table class=3D"row row-4" ali=
gn=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"presentation" style=3D"m=
so-table-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-rspa=
ce:0;font-weight:400;text-align:left;padding-bottom:5px;padding-top:5px;ver=
tical-align:top"><table class=3D"text_block block-1" width=3D"100%"=20
border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" styl=
e=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><td c=
lass=3D"pad" style=3D"padding-bottom:10px;padding-left:20px;padding-right:2=
0px;padding-top:15px"><div style=3D"font-family:sans-serif"><div class styl=
e=3D"font-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12px;m=
so-line-height-alt:14.399999999999999px;color:#555;line-height:1.2"><p=20
style=3D"margin:0;text-align:center;font-size:34px;mso-line-height-alt:40.8=
px">
<span style=3D"word-break: break-word; font-size: 34px;"><span style=3D"wor=
d-break: break-word; color: #555555; font-size: 30px;"><strong>There are on=
ly <span style=3D"word-break: break-word; color: #e4002b;">3 days</span> re=
maining to take advantage of theLender's </strong></span></span><span style=
=3D"word-break: break-word; font-size: 34px;"><span style=3D"word-break: br=
eak-word; color: #555555; font-size: 30px;"><strong>February Specials.</str=
ong></span></span></p><p=20
style=3D"margin:0;text-align:center;font-size:34px;mso-line-height-alt:40.8=
px"><span style=3D"word-break: break-word; font-size: 34px; color: #e4002b;=
"><span style=3D"word-break: break-word; font-size: 30px;"><strong>Lock you=
r loans today!</strong></span></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"=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:#282828;border-radius:0;color:#000;width:700px;mar=
gin: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;text-=
align:left;padding-bottom:5px;padding-top:5px;vertical-align:top"><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-size:14px;font-family:Arial,H=
elvetica Neue,Helvetica,sans-serif;mso-line-height-alt:16.8px;color:#555;li=
ne-height:1.2"><p style=3D"margin:0;font-size:22px;text-align:center;mso-li=
ne-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"><table =
class=3D"text_block block-1" 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:10px;padding-left:20px;padding-rig=
ht:20px;padding-top:15px"><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:22px;text-align:center;mso-line-height-alt:26.4=
px">
<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: #e4002b;">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: #e4002b;"><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: #e4=
002b; 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: #e4002b;"><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"><table class=3D"=
text_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspaci=
ng=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:10p=
x;padding-left:20px;padding-right:20px;padding-top:15px"><div style=3D"font=
-family:sans-serif"><div class=20
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:22px;text-align:center;mso-line-height-alt:26.4=
px"><span style=3D"word-break: break-word; font-size: 46px; color: #e4002b;=
"><strong>50 BPS</strong></span></p><p style=3D"margin:0;font-size:22px;tex=
t-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: #e4002b;"><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: #e4002b;=
"><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: #e4002b;"><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"><table class=3D"text_block=
 block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" r=
ole=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:10px;padding-left:20px;padding-rig=
ht:20px;padding-top:15px"><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;text-align:center;font-size:16px;mso-line-height-alt:19.2=
px">
<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"><table class=3D"=
text_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspac=
ing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspac=
e:0;word-break:break-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"><table=
 class=3D"text_block block-1" 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:10px;padding-left:20px;padding-rig=
ht:20px;padding-top:15px"><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;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"><table class=3D"=
text_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspac=
ing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspac=
e:0;word-break:break-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"><table class=3D"text_block block-1" width=3D"100%" border=3D"0" c=
ellpadding=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:10px;padding-left:20px;padding-rig=
ht:20px;padding-top:15px"><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: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: #e4002b;"><strong>locked</strong></=
span> by February 28th, 2025</span></p></div></div></td>
</tr></table></td></tr></tbody></table></td></tr></tbody></table><table cla=
ss=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-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"presen=
tation" style=3D"mso-table-lspace:0;mso-table-rspace:0;background-color:#ff=
f;border-radius:0;color:#000;width:700px;margin:0 auto" width=3D"700"><tbod=
y><tr>
<td class=3D"column column-1" width=3D"100%" style=3D"mso-table-lspace:0;ms=
o-table-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding=
-top:5px;vertical-align:top"><table class=3D"text_block block-1" width=3D"1=
00%" border=3D"0" cellpadding=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"><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: #e4002b;"><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"><table class=3D"divider_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"><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%"=
 style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"divider_i=
nner"=20
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></div></t=
d></tr></table><table class=3D"text_block 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"p=
ad" style=3D"padding-bottom:20px;padding-left:10px;padding-right:10px;paddi=
ng-top:10px"><div style=3D"font-family:sans-serif"><div class=20
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>Camero=
n Leclair</strong></span></p><p style=3D"margin:0;font-size:14px;text-align=
:center;mso-line-height-alt:16.8px">
<strong>(949) 312-5374</strong>&nbsp;|&nbsp;<span style=3D"word-break: brea=
k-word; color: #000080; font-size: 14px;"><strong>cleclair@thelender.com&nb=
sp;</strong></span></p></div></div></td></tr></table></td></tr></tbody></ta=
ble></td></tr></tbody></table><table class=3D"row row-14" align=3D"center" =
width=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pre=
sentation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><=
table=20
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-ta=
ble-rspace: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;m=
so-table-rspace:0;font-weight:400;text-align:left;vertical-align:top"><tabl=
e class=3D"image_block block-1" 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"><tr><td class=3D"pad" style=
=3D"width:100%"><div class=3D"alignment" align=3D"center" style=3D"line-hei=
ght:10px"><div style=3D"max-width:700px"><img src=3D"https://d15k2d11r6t6rl=
=2Ecloudfront.net/public/users/Integrat=
ors/3fd3a448-3d02-49a4-af26-a82213fec6=
7e/thelender/footer.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 class=3D"text_block block-2" 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-family:Aria=
l,Helvetica Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14=
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content stack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=
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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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