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Subject: Save .375 on NonQM Purchase & C/O Refi with theLender
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ja0GEFDs-eRBghBat1MYJe7oqh9d0NRrbCJ1VTAu6Y8ElYz2ldeYT4TxmHyUKVM42OUnVaMjYhE=
6pRsYk0QpppVW8-DvRtjN1ZjAwGI7jOP17YzDMa6VbuGGzhUoLVgYDrz4sueLBtNgJa5mWWwrli=
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el=3D"noopener">Become<span style=3D"word-break: break-word; color: #e4002b=
; font-size: 14px;">_</span>a<span style=3D"word-break: break-word; color: =
#e4002b; font-size: 14px;">_</span>Partner </a></strong><a style=3D"text-de=
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" cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-ta=
ble-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad" style=3D"width:100%"=
><div class=3D"alignment" align=3D"center"><div style=3D"max-width:700px"><=
img=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/pub/izn8/7h0w4ujj/8y7/ha7/102/=
20250408_NONQM-Special.jpg" style=3D"display:block;height:auto;border:0;wid=
th:100%" width=3D"700" alt title height=3D"auto"></div></div></td></tr></ta=
ble><table class=3D"text_block block-2" width=3D"100%" border=3D"0" cellpad=
ding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspac=
e:0;mso-table-rspace:0;word-break:break-word"><tr><td class=3D"pad"=20
style=3D"padding-bottom:10px;padding-left:20px;padding-right:20px;padding-t=
op:15px"><div style=3D"font-family:sans-serif"><div class style=3D"font-fam=
ily:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12px;mso-line-heigh=
t-alt:14.399999999999999px;color:#555;line-height:1.2"><p style=3D"margin:0=
;text-align:center;font-size:34px;mso-line-height-alt:40.8px">
<strong><span style=3D"word-break: break-word; font-size: 34px;"><span styl=
e=3D"word-break: break-word;">Receive a <span style=3D"word-break: break-wo=
rd; color: #06bc00;">.375 BPS</span> Pricing Incentive on </span><span styl=
e=3D"word-break: break-word; color: #e4002b;"><span style=3D"word-break: br=
eak-word; color: #06bc00;">Non-QM</span>&nbsp;</span></span></strong><stron=
g><span style=3D"word-break: break-word; font-size: 34px; color: #555555;">=
Purchase and Cash-Out Refinance&nbsp;</span></strong><strong><span style=3D=
"word-break: break-word; font-size: 34px; color: #555555;">deals this month=
=2E</span></strong>
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-4" align=3D"center" width=3D"100%" borde=
r=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-c=
ontent 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;color:#000;border-radius:0;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:21px;color:#555;line-height:1.5"><p style=3D"margin:=
0;font-size:14px;text-align:center;mso-line-height-alt:21px"><strong>Note:<=
/strong> Foreign National Borrowers are not eligible.&nbsp; All loans must =
be <strong>LOCKED</strong> by April 30th, 2024</p></div></div></td></tr></t=
able></td></tr></tbody></table></td></tr></tbody></table><table class=3D"ro=
w row-5" align=3D"center" width=3D"100%" border=3D"0"=20
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
e-lspace:0;mso-table-rspace:0"><tbody><tr><td><table class=3D"row-content s=
tack" align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" rol=
e=3D"presentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;backgroun=
d-color:#fff;color:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr=
><td class=3D"column column-1" width=3D"16.666666666666668%"=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"=
empty_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"><div></div></td></tr></table></td><td class=3D"c=
olumn column-2" width=3D"83.33333333333333%"=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;mso-line-height-alt:16.8px"><span style=3D"word-break: break-word; font=
-size: 17px;"><strong>Non-QM Programs at theLender</strong></span></p><ul s=
tyle=3D"line-height:1.2;mso-line-height-alt:20.4px;font-size:15px"><li>
<span style=3D"word-break: break-word; font-size: 15px;"><span style=3D"wor=
d-break: break-word; color: #06bc00;"><strong>Asset Qualifier</strong></spa=
n>: For those sitting stacks of cash looking to</span><br><span style=3D"wo=
rd-break: break-word; font-size: 15px;">put their savings to work</span></l=
i><li>
<span style=3D"word-break: break-word; font-size: 15px;"><span style=3D"wor=
d-break: break-word; color: #06bc00;"><strong>Bank Statement Qualifier</str=
ong></span>: For those who are self-employed and</span><br><span style=3D"w=
ord-break: break-word; font-size: 15px;">looking to own a home</span></li><=
li>
<span style=3D"word-break: break-word; font-size: 15px;"><span style=3D"wor=
d-break: break-word; color: #06bc00;"><strong>Full Doc Qualifier</strong></=
span>: For those who file income the traditional way</span><br><span style=
=3D"word-break: break-word; font-size: 15px;">looking to expand their loan =
qualifications</span></li><li>
<span style=3D"word-break: break-word; font-size: 15px;"><span style=3D"wor=
d-break: break-word; color: #06bc00;"><strong>Gig Qualifier</strong></span>=
: For those independent contractors &</span><br><span style=3D"word-break: =
break-word; font-size: 15px;">freelance workers that are paid like a</span>=
<br><span style=3D"word-break: break-word; font-size: 15px;">business owner=
, but may not own a business</span></li><li>
<span style=3D"word-break: break-word; font-size: 15px;"><span style=3D"wor=
d-break: break-word; color: #06bc00;"><strong>ITIN</strong></span>: A great=
 option for those borrowers who may not be able to qualify for a traditiona=
l mortgage loan because they do not have an SSN.</span></li><li><span style=
=3D"word-break: break-word; font-size: 15px;"><span style=3D"word-break: br=
eak-word; color: #06bc00;"><strong>Non-QM Premier</strong></span>: Take adv=
antage of our newest NonQM program</span><br>
<span style=3D"word-break: break-word; font-size: 15px;">which gives better=
 rates than ever before.</span></li><li><span style=3D"word-break: break-wo=
rd; font-size: 15px;"><span style=3D"word-break: break-word; color: #06bc00=
;"><strong>P & L Only</strong></span>: Results without all the BS (Bank Sta=
tements, that is!)</span></li></ul></div></div></td></tr></table></td></tr>=
</tbody></table></td></tr></tbody></table><table class=3D"row row-6" align=
=3D"center" width=3D"100%" border=3D"0" cellpadding=3D"0"=20
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0"><tbody><tr><td><table class=3D"row-content stack" align=3D"cen=
ter" 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;color=
:#000;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"colu=
mn 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;text-align:center;font-size:22px;mso-line-height-alt:26.4px">
<span style=3D"word-break: break-word; font-size: 16px;">See full product d=
etails at <span style=3D"word-break: break-word; color: #06bc00;"><strong><=
a href=3D"http://email.thelender.com/c/eJxUkLFurDAQRb_G7ljZY2PjwgVCQo_XRckW=
KY09BCRjCMxmtX8faZMm7S2uzjnJ19ZKqzl6abWWoAEMx0ILPYbkO3P971ohu9fh_Xd9e-zou61=
QiMRn30za2dBolwQ4m4IJCsBMYpysc9o1fPEgoBZaNFLXVpjLpCxOcao1NiM4o5gWNGPGkvC4xG=
3lC-E6JD9KFKisqVKUqtKQsApOqUqOUaIR0kijePYz0X4y1TLoGfT3ect4hoyXP58M-rKVz7Xaj=
y3dIp0Men74UNKBd6bFSXjkpXzEkJ8I53Y7Ij5VcQ1LHnM4iROuew6EQ_IvP2H-Xbuu5V8evgMA=
AP__aJFmSA" style=3D"text-decoration:underline;color:#06bc00;">wholesale.th=
elender.com/nonqm-products/</a></strong></span></span></p><p style=3D"margi=
n:0;text-align:center;font-size:22px;mso-line-height-alt:16.8px">&nbsp;</p>=
<p style=3D"margin:0;text-align:center;font-size:22px;mso-line-height-alt:2=
6.4px">
<span style=3D"word-break: break-word; font-size: 22px;"><strong>Contact me=
 today to price out a deal and </strong></span></p><p style=3D"margin:0;fon=
t-size:22px;text-align:center;mso-line-height-alt:26.4px"><span style=3D"wo=
rd-break: break-word; font-size: 22px;"><strong>take advantage of this spec=
ial.</strong></span></p></div></div></td></tr></table></td></tr></tbody></t=
able></td></tr></tbody></table><table class=3D"row row-7" align=3D"center" =
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;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;backgr=
ound-color:#fff;vertical-align:top"><table class=3D"divider_block block-1"=
=20
width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacing=3D"0" role=3D"pr=
esentation" 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" cell=
padding=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_inner" =
style=3D"font-size:1px;line-height:1px;border-top:2px solid #e4002b"><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"pad" style=3D"pa=
dding-bottom:20px;padding-left:10px;padding-right:10px;padding-top:10px"><d=
iv style=3D"font-family:sans-serif"><div class style=3D"font-family:Arial,H=
elvetica Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14.39=
9999999999999px;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-8" 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-conte=
nt 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;color=
:#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"text_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10" ce=
llspacing=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-f=
amily: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">
<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://ema=
il.thelender.com/c/eJxUkL1uq0AQRp-G7bB2ZpdZKLawkKzL7aLERcr9GWKkBSOYBPntIzlp=
0n7Fd3RO9o1z4KxiD85aQItIiheZ5DFk39P1f3fW0L8O77_r22Nl398XCUnUzbuUjOmQ2ralpm1=
sHB11kA3FLsGoo5o8amy01S3Yxmk6jcbxmMbGchuxI1NZLTcuvGTeTuk-q0l4HrKPwJqNozonML=
XFzHXojKkhJmDSQEBGFX8TWffKnCu8VHg5juP0563Ci9p8WPLGR2X1LryVaflIoTxZ-_1zS_x04=
jlMJZawixKe1xKEh-xffgr8u_b9WX15_A4AAP__US5deg" target=3D"_blank" rel=3D"noo=
pener">theLender.com</a> | <a style=3D"text-decoration: underline; color: #=
E4002B;" href=3D"http://email.thelender.com/c/eJxU0LFutDAQBOCnwR0n73qxoXBxQ=
kI_fxclV6Q09pJDMnCCvaB7-0iXKFLar5jRTPKVc-BIsQdHBEiIVvEikzz65Ft7-d-cNbSv_fuP=
vj1u7Nt1kRBFXT1R7WxKwZkmcAUNDkBRuzoAjcElVJNHjZUmXQNVTtvTaByPcayI6wEbawrScuX=
MS-LtFNdZTcJzn_wArNk4W6YIpiRMXIbGmBKGCGw1WLBGZX8Vue2FORfYFdgdx3H6k1ZgF4b1Lu=
WvFtipzYclbXwUpHfhLU_LRwz52b6v9y3ycyXPYcpDDrso4fmWg3Cf_Mv3J_8ubXtWnx6_AgAA_=
_-BFWRi" target=3D"_blank" rel=3D"noopener">About Us</a>&nbsp;| <a style=3D=
"text-decoration: underline; color: #E4002B;" href=3D"http://email.thelende=
r.com/c/eJxUkL1uwyAURp_GbI7gco3JwBBZsupuVZuhI4ZLYwn_CN_UyttXSrt0_Ybv6JzomrZ=
VLQpyqkVUgABG0MITP4boOnN9PV-k6t6Hz7_147GR69aFfWBxc0BRJ_AovbWYmuStVYhNNGZMyp=
pRTA4kNBKlVdi00pySbimF1CDZEc5GVyj5RpmWSOUU1llMTPMQ3ahIkm5NHYPSNUKk2p-1rtUYF=
BmpjDJaZHdj3vZKXyroK-iP4zj9e6ugL55pr7eyxnvgvYJeFOeXWOioUO5MJU_LV_D5Cd_Xewn0=
lKTZT3nMfmfBNG_ZMw3Rvf0mebl23UV8O_gJAAD__1vjZFU" target=3D"_blank" rel=3D"n=
oopener">Products</a>&nbsp;| <a style=3D"text-decoration: underline; color:=
 #E4002B;" href=3D"http://email.thelender.com/c/eJxUkDtrwzAURn-NtDlIVy970BA=
Mpu5W2gwd9bhJDPID-bYm_76Qdun6Dd_hnOyNc9Jpjl46rSVoAMtxoYkeY_a9vbx2ZyH79_Hzb_=
14bOj7daGQiN99UsYZF01KrXFWRmkwGheja0GEFDs-eRBghBat1MYJe7oqh9d0NRrbCJ1VTAu6Y=
8ElYz2ldeYT4TxmHyUKVM42OUnVaMjYhE6pRsYk0QpppVW8-DvRtjN1ZjAwGI7jOP17YzDMa6Vb=
uGGzhUoLVgYDrz4sueLBtNgJa5mWWwrlid_Xr5rwqYlzmEosYSdOOG8lEI7Zv_1Gebn0_Zl_e_g=
JAAD__yB-ZRA" target=3D"_blank" rel=3D"noopener">Mortgage Partner</a>&nbsp;=
| <a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://e=
mail.thelender.com/c/eJxUkL1ugzAUhZ_G3oiur__w4CFCQqVb1WboaOzrBskQBG5R3r5S0q=
XrGc4535e8tlZYxckLq5RAhWg4LXWq9yH5zlxe3RlE9z58_qUf95V8d1tqiJVfPTodwUF25ACyS=
nLMrXBtSkDYYtZ88gioQUErlLZgTllayjFrRe2IzkimoF6p0JJoO8XbzKdK85D8KAhIWtOkKGSj=
MFETnJSNGKMgA8III3nx11rXnckzw55hfxzH6V8bwz4-zzbIsOebD0va6GAK9kpbmZavGMpjd79=
9b5EefDSHqYwl7JVXmtcSKg3Jvz1tvFy67sx_PP4GAAD__wabYbc" target=3D"_blank" rel=
=3D"noopener">Contact</a>
</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-9" align=3D"center" width=3D"100%" borde=
r=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-c=
ontent 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=
;color:#333;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td=20
class=3D"column column-1" width=3D"25%" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;font-weight:400;text-align:left;vertical-align:top"><table clas=
s=3D"image_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"0" cel=
lspacing=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"alignmen=
t" align=3D"center"><div style=3D"max-width:65px"><img=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/public/users/Integrators/3fd3a=
448-3d02-49a4-af26-a82213fec67e/ADMIN/editor_images/Equal_Housing_Opportuni=
ty.png" style=3D"display:block;height:auto;border:0;width:100%" width=3D"65=
" alt=3D"Image" title=3D"Image" height=3D"auto"></div></div></td></tr></tab=
le></td><td class=3D"column column-2" width=3D"75%" style=3D"mso-table-lspa=
ce:0;mso-table-rspace:0;font-weight:400;text-align:left;vertical-align:top"=
><table class=3D"html_block block-1" width=3D"100%" border=3D"0"=20
cellpadding=3D"0" cellspacing=3D"0" role=3D"presentation" style=3D"mso-tabl=
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  <p style=3D"font-size: 14px; line-height: 14px; margin: 0;"><span style=
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censes, visit www.nmlsconsumeraccess.com. Hometown Equity Mortgage, LLC, DB=
A. theLender, 25531 Commercentre Dr #250., Lake Forest, CA 92630. All loans=
 must meet Hometown Equity Mortgage=E2=80=99s underwriting guidelines. This=
 information is intended for the exclusive use of licensed real estate and =
mortgage lending professionals in accordance with local laws and regulation=
s. Distribution to the general public is prohibited. Loans made or arranged=
 pursuant to the California Financing Law.</span></p>
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