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Subject: theLender: These deals are no joke
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"width:100%;padding-right:0;padding-left:0"><div class=3D"alignment" align=
=3D"center"><div style=3D"max-width:280px">
<a href=3D"http://email.thelender.com/c/eJxUkLtq80AQRp9G28nM7F3FFsb8Arn6Q5L=
C5V5GsWAlG2kS4bcPOGnSfsV3OKcE4xw6LSig08pIsGAFLTzxYyjhZN_P3RHw9Dpcfte3x53C6b=
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1r6t6rl.cloudfront.net/public/users/Integrators/3fd3a448-3d02-49a4-af26-a82=
213fec67e/ADMIN/theLender/thelenderlogo-red-emails-large.png" style=3D"disp=
lay:block;height:auto;border:0;width:100%" width=3D"280" alt=3D"the Lender"=
 title=3D"the Lender" height=3D"auto"></a></div></div></td></tr></table></t=
d></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-G7GSQ9HIpFywM4QqQqxskKVzysYoEUA9Imwj--wBOmrSnO=
IOZ7K1z2oEkrx2crVGoUNLMIz-67Bt8v12uSjev3f13fXus5Jtl5pBYDr53tTlrglyTA3SxT5ky=
ItgaEVM2cvRGGatAaW01Ap7QadAxWk019QaVAMUDFZozbae0THJkmrrsE0alItWVtravgNBVISa=
o6kB4iclFo3pZ_MC87uJ8FaYVpj2O4_TnTZiWB6r2dWFhWrn5MOeNDgFqZ9rKOH-kUJ7YffncEj=
31aApjiSXsLJmmtQSmLvuXnxi3f__bu_zy5jsAAP__AaliUg" 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/eJxUkLtu6zAQBb9G7GQsaT6kgoVhXAFydYM=
khcsluYwEUI-QdAz_fQAnTdpTHMxMsMoYbiQjy408KgEaNKO1zvUxBnvW75f-BPz8Ol5_17fHTv=
a8rRV9ZZNFE5Tn5CNyiq430TtjOlCmg950IrLZChAKJHCuuJb6oA2X3DnFqaMoNDQS6kSJ1kD54=
LeFzZWWMVivHYCjruVKxVaSNi06L9sOSffOGycgsmSnWvfSHE-NGBox3KctUcFEhz-fjRgyfd6o=
1BbXFvc941wwNWJg2eIaMt0bCaVSTvP64TE9Qcp2y56ewrTgnFzCUlmlZU9YaQz25SfP5d__4cq=
-rPgOAAD__9hxacY" target=3D"_blank" style=3D"text-decoration: none; color: =
#FFFFFF;" rel=3D"noopener">Appraisals&nbsp; &nbsp; &nbsp;</a></strong><stro=
ng><a style=3D"text-decoration: none; color: #FFFFFF;" href=3D"http://email=
=2Ethelender.com/c/eJxUkL1qwzAUhZ9G2hyu=
FP3Yg4YQanCmlrZDRunqujHITpBva_L2haRL18=
PhHL4vB-u98kZSUN7srQYHTtLCE9-HHI7u89QdQB3fh_Nf-nG_UTheF47I8hKyNhmoHccOM2kk9=
GjtvvM2dcojdXIKGrQFA0pZ5YzbOa-MSskqamnUDoQBvlChJVPd4XWWE9M85IAuASRqG2Xt2Bhy=
vokJTdNGcl1CnzSMsoQL820V-4PQvdD9tm27f2tC95XW63dFWoXuZQ1xyZU2YWBlqmVavjCWx--=
z9eCjOU4llbiyZJpvJTINObw9bZxeXvuz_An6NwAA__8E02OF" target=3D"_blank" rel=3D=
"noopener">Broker<span style=3D"word-break: break-word; color: #e4002b;"> <=
/span>Resources&nbsp; &nbsp; &nbsp;</a></strong><strong><a style=3D"text-de=
coration: none; color: #FFFFFF;" href=3D"http://email.thelender.com/c/eJxUk=
DtrwzAURn-NtDlcyXrYg4YQanCmlrZDRj2uY4P8QL6tyb8vpF26fsN3OCc5ba2wiqMTVtVaggHD=
caGJHn1yF_N5bc8gLu_97W_9eGzoLutCPhIfXUQv6kaHNrSQRK0D4gCtHSBokWJo-OQkSA0KhND=
CKHMyVigRghbY4CANMAU0YsYlYTnFdeYT4dwnF00ACNhUQuuhUmhs5UNUVePRtCHaIGHg2Y1E28=
7qM5Mdk91xHKd_b0x281ro7u9Ybb7QgoXJjhfnl1TwYAp2wpKn5R59fuL39atEfGri7Kccst-JE=
85b9oR9cm-_Ua4vr92Nfzv5EwAA__-2kWYO" target=3D"_blank" rel=3D"noopener">Bec=
ome<span style=3D"word-break: break-word; color: #e4002b;"> </span>a<span s=
tyle=3D"word-break: break-word; color: #e4002b;"> </span>Partner&nbsp; &nbs=
p; &nbsp;</a></strong>
<strong style=3D"color:#fff"><a style=3D"text-decoration: none; color: #FFF=
FFF;" href=3D"http://email.thelender.com/c/eJxUkLtu6zAQBb-G7GQs13ypYGEYV4Bc=
3SBJ4ZKPVSSAkg1pE8F_H8BJk_YUZzBTgnFOOS0pKKePBsGClbTwxI--hLN9v7QnUOfX_vq7vj3=
uFM63hWNmOYbWF4O-YGyjB52cao0ZoqMWvR8GZeUUENCABqWMstoerFNapWQUeRrQgtDAI1VaCq=
2HfJvlxDT3JWSbABL5RhkzNJqsa2LKuvGRbJuySwiDrGFkvm_ieBLYCez2fT_8eRPYrZFpG4l4E=
9jJNcSlrLQLDRvTWqflI8f6BG-3zzXTU5DmONVU48aSab7XyNSX8PKT4_Lvf3eVXwG_AwAA__-J=
8WL4" target=3D"_blank" rel=3D"noopener">Rates<strong>&nbsp; &nbsp; &nbsp;<=
/strong></a><a href=3D"http://email.thelender.com/c/eJxU0D9PwzAQBfBPY2-pzq7=
_JIOHqiJSOoGAoaN9vpBITlIlB1G_PaKwsL7h9_ReDtZ75Y2koLw5Wg0OnKSZR753OZzd-6U5gT=
q_dte_9O1-o3BeZo7IcgiAunEJAA1Z3yCa3vcp9jVoTNkenRyDBm3BgFJWOeMOziujUrKKauq1A=
2GAByo0Z1oPuExyZJq6HPCHTVRXytq-MuR8FROaqo7kmoQ-aehlCQPzbRPHk9Ct0O0-LIW2WOjw=
zxS65YGWvQjdyjXEOa-0CwMb01rG-QNjeVRvy-eK9JhIUxxLKnFjyTTdSmTqcnj5PeTy9Nxe5Vf=
Q3wEAAP__6SZkUQ" 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"><div class=3D"fullWidth" styl=
e=3D"max-width:700px"><img=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/pub/izn8/7h0w4ujj/yaa/zhg/eea/=
20250401_AprilFools.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 he=
re for you, America" height=3D"auto"></div></div></td></tr></table></td></t=
r></tbody></table></td></tr></tbody></table><table class=3D"row row-4" alig=
n=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: 38px; color: #2d2d2d;=
"><strong>It's April Fools Day, </strong></span></p><p style=3D"margin:0;te=
xt-align:center;font-size:34px;mso-line-height-alt:40.8px"><span style=3D"w=
ord-break: break-word; font-size: 38px; color: #2d2d2d;"><strong>but these =
deals are no joke!</strong></span></p></div></div></td></tr></table></td></=
tr></tbody></table></td></tr></tbody></table><table=20
class=3D"row row-5" 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;background-color:#2=
82828;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>theNONI & nearNONI</strong></span></spa=
n></p></div></div></td></tr></table></td></tr></tbody></table></td></tr></t=
body></table><table class=3D"row row-6" align=3D"center"=20
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 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-table-rspace:0;background-color:#fff;border-radius:0;color:#000;width:7=
00px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" =
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:#2c2c2c;line-height:1.2">=
<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: #2d2d2d;"><span style=3D"word=
-break: break-word; font-size: 22px;"><strong>&nbsp;</strong></span><span s=
tyle=3D"word-break: break-word; font-size: 46px;"><strong><span style=3D"wo=
rd-break: break-word;">100 BPS</span>&nbsp;</strong></span></span></p><p st=
yle=3D"margin:0;font-size:22px;text-align:center;mso-line-height-alt:26.4px=
"><span style=3D"word-break: break-word; color: #2d2d2d;">Pricing Incentive=
 on Cash Out</span></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; color: #2d2d2d;"><strong><span s=
tyle=3D"word-break: break-word;">5-year prepay required</span></strong></sp=
an></p><p style=3D"margin:0;font-size:22px;text-align:center;mso-line-heigh=
t-alt:14.399999999999999px">&nbsp;</p><p style=3D"margin:0;text-align:cente=
r;mso-line-height-alt:26.4px"><span style=3D"word-break: break-word; color:=
 #2d2d2d; font-size: 46px;"><strong>50 BPS</strong></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: #2d2d2d;">Pricing Ince=
ntive on Cash Out</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; c=
olor: #2d2d2d;"><strong><span style=3D"word-break: break-word;">3-year prep=
ay required</span></strong></span></p></div></div></td></tr></table></td><t=
d 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: #2d2d2d;=
"><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; color: #2d2d2d;">Pr=
icing Incentive on Purchase</span></p><p style=3D"margin:0;font-size:22px;t=
ext-align:center;mso-line-height-alt:26.4px"><span style=3D"word-break: bre=
ak-word; font-size: 22px; color: #2d2d2d;"><strong><span style=3D"word-brea=
k: 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:14.399999=
999999999px">&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: #2d2d2d;=
"><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"><span style=3D"word-break: break-word; colo=
r: #2d2d2d;">Pricing Incentive on Purchase</span></p><p style=3D"margin:0;f=
ont-size:22px;text-align:center;mso-line-height-alt:26.4px">
<span style=3D"word-break: break-word; color: #2d2d2d;"><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; color: #2d2d2d;"><s=
trong>.375 Pricing Incentive</strong></span></p><p style=3D"margin:0;text-a=
lign:center;font-size:20px;mso-line-height-alt:24px"><span style=3D"word-br=
eak: break-word; color: #2d2d2d;">on Purchase and Cash-Out Refinance</span>=
</p><p style=3D"margin:0;text-align:center;font-size:20px;mso-line-height-a=
lt:24px"><span style=3D"word-break: break-word; font-size: 14px; color: #2d=
2d2d;">(Foreign National Borrowers not eligible)</span></p>
</div></div></td></tr></table></td></tr></tbody></table></td></tr></tbody><=
/table><table class=3D"row row-10" 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" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;ba=
ckground-color:#282828;border-radius:0;color:#000;width:700px;margin:0 auto=
"=20
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;p=
adding-bottom:5px;padding-top:5px;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-break:break-word"><tr><td class=3D"pad"><div style=3D"font-family:san=
s-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; color: #2d2d2d;"><s=
trong><span style=3D"word-break: break-word; font-size: 46px;">25 BPS Price=
 Incentive</span></strong></span></p></div></div></td></tr></table><table c=
lass=3D"text_block block-2" width=3D"100%" border=3D"0" cellpadding=3D"0" c=
ellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tabl=
e-rspace:0;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-bo=
ttom:10px;padding-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: break-word; font-size: 15px;"><strong>NOTE:</str=
ong> All loans must be<span style=3D"word-break: break-word; color: #06bc00=
;"> <span style=3D"word-break: break-word; color: #e4002b;"><strong>locked<=
/strong></span></span> by April 30th, 2025</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"=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:#fff;border-radius:0;color:#000;width:700px;margin=
:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" width=3D"10=
0%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-ali=
gn: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:14px;text-align:center;mso-li=
ne-height-alt:16.8px">
<span style=3D"word-break: break-word; color: #e4002b; background-color: #f=
fffff;"><strong><span style=3D"word-break: break-word; font-size: 26px; bac=
kground-color: #ffffff;">Contact me today to secure these limited-time offe=
rs.</span></strong></span></p></div></div></td></tr></table></td></tr></tbo=
dy></table></td></tr></tbody></table><table class=3D"row row-13" align=3D"c=
enter" 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;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;font-weight:400;text-align:left;b=
ackground-color:#fff;vertical-align:top"><table class=3D"divider_block bloc=
k-1" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0"=20
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" 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></d=
iv></td></tr></table><table class=3D"text_block block-2" 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:20px;padding-left:10px;padding-right:1=
0px;padding-top:10px"><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;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: break-word; color: #000080; font-size: 14px=
;"><strong>cleclair@thelender.com&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"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" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;co=
lor:#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;vertical-align:top"><table cla=
ss=3D"image_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" ce=
llspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-table=
-rspace:0"><tr><td class=3D"pad" style=3D"width:100%"><div class=3D"alignme=
nt" align=3D"center"><div style=3D"max-width:700px"><img=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/public/users/Integrators/3fd3a=
448-3d02-49a4-af26-a82213fec67e/thelender/footer.jpg" style=3D"display:bloc=
k;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" cellpadding=3D"10" cellspacing=3D"0" role=3D"presentatio=
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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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efer to contact us in writing, please mail any correspondence to 25531 Comm=
ercentre #250 Lake Forest, CA 92630.</span></p>
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