the Spot | Appraisals | Broker_Resources | Become_a_Partner | Rates

Save some green th= is March with

theNONI & nearNONI<= /strong>

NOTE: All loans must be locked by March 31st, 2025= .

Noni+ and NONI58 are not eligible. DSCR less than= .75 is not eligible. Foreign National Borrowers are not eligible.&nbs= p;

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>

50 BPS

Pricing Incentive for

Purchase= Transactions

with 5-year pr= epay

25 BPS<= /span>

Pricin= g Incentive for

Purchase Transactions

with 3-year prepay=

<= td class=3D"pad">

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 uni= ts

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 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 a= pplication date

STR=E2=80=99s allowed up to 75% LTV

NONI Cash Out

Going to 75% LTV on Ca= sh Out Transactions (min 700)
Going to 70% LTV on Cash Out Transactions (min 6= 60+)

NONI Pur= chase & R/T

Going to 85% LTV on Purchase (min 700)
Going to 75% LTV on Purch= ase (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

40 Year Fully Amortized Term

= NOTE: All loans must be locked by March 31st, 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

theLender.com | About Us | Products | Mortgage Partner&nbs= p;| Contact

<= /table>

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.

We hope you found the content of this message to be i= nformative. If you'd rather not receive emails like this from us in the fut= ure, you can be removed from our list by clicking here. 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.