Envelope-to: andrew@sterlingcal.com
Delivery-date: Wed, 23 Apr 2025 10:52:07 -0500
Content-Type: multipart/alternative; boundary=522deddcca9064c6b70a122c22b23f64b267531038d38fb7f472a1586100
Date: Wed, 23 Apr 2025 15:51:39 +0000 (UTC)
From: Loan Solutions <loansolutions@jetmortgage.com>
Mime-Version: 1.0
Message-ID: <t_c0Jc-ySUKYa3ZCEe0Eww@geopod-ismtpd-13>
Subject: 5 Reasons for 2nds in 2025 =?UTF-8?B?8J+SuA==?=
To: Jane Doe <andrew@sterlingcal.com>

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Should your borrowers go for a 2nd? Here's a few reasons to consider it:

( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
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6WnPvpLw6ptyGLFJYtEyPSl-2BhgtbHlyyQBnNtIWfJNqKbBY6hW5ctgK6u )

( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
eu5-2FFKRUgyS-2BDoi3995OUDVqfyyILJa9qt-2BNLlUBVo6WtHXteWK2T34DdOgHXABfdZgA-=
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eiaUdWrzcTloZeOUQPyV7zYLhYTGH1IaD5-2F4XSrlm6kuiWVowuK83jBodAph-2B7oIHLwYyRH=
y2N91uEZHXdlA0sPzTm8kI )

*5 Reasons* *for your Borrowers to Consider a Second Mortgage in* *2025*

---------------------------------------------------------------------------=
-------------------------------------------------------
It was smart back in 2020 when your clients bought a house during low rates=
, but 5 years later they may have need for extra cash ~
---------------------------------------------------------------------------=
-------------------------------------------------------

-----------------------------------
1. Home Renovations and Upgrades =F0=9F=8F=9A=EF=B8=8F
-----------------------------------

-----------------------
2. Debt Consolidation =F0=9F=92=B8
-----------------------

-----------------------------
3. Investment Opportunities =F0=9F=93=88
-----------------------------

-----------------------
4. Education Expenses =F0=9F=8F=AB
-----------------------

--------------------
5. Emergency Funds =F0=9F=9A=91
--------------------

*Read more in JET's latest* ** *Blog Post* ( http://url5740.jetmortgage.com=
/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqdKgK=
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-2BLAdXmWGD9yb-2FWEdPrDxb6T42YCVx5ubItqo0zObcxKU1UiD3NiA6Oy75x-2BjCDTk2kLjC=
Pe5R7x )

***************
2nd's Upgraded:
***************

------------------------------------------
Higher Loan Limits - More ways to Qualify!
------------------------------------------

* *NEW!* Increased Max loan amount to *$750k*
* *NEW!* Higher max combined lien balances: up to *$5MM* based on CLTV
* *NEW!* Max CLTV for BKS/1099 increased from 85% to 90%
* NEW! Addition of *DSCR* for business purpose
* *NEW!* Qualify with *ALL DOCS*
* *NEW!* Rural primary up to 80 CLTV, max 10 acres; eligible across all doc=
 types.

****************
Let's talk 2nds!
****************

JET Products ( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0=
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4=C2=A0Hutton=C2=A0Centre=C2=A0Drive=C2=A0| Office=C2=A0Suite=C2=A0#500=C2=
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                <table width=3D"100%" role=3D"content-container" class=3D"o=
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                                      <tr>
                                        <td role=3D"modules-container" styl=
e=3D"padding:0px 0px 0px 0px; color:#000000; text-align:left;" bgcolor=3D"#=
FFFFFF" width=3D"100%" align=3D"left"><table class=3D"module preheader preh=
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      <td role=3D"module-content">
        <p>Should your borrowers go for a 2nd? Here's a few reasons to cons=
ider it:</p>
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er=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-=
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        <td style=3D"font-size:6px; line-height:10px; padding:0px 0px 15px =
0px;" valign=3D"top" align=3D"left">
         =20
        <a href=3D"http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2Bw=
Dwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqe56jUAPUR1oQDuOSkXSRHP36kC_QXn=
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         =20
        <a href=3D"http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2Bw=
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style=3D"display:block; color:#000000; text-decoration:none; font-family:He=
lvetica, arial, sans-serif; font-size:16px; max-width:100% !important; widt=
h:100%; height:auto !important;" width=3D"600" alt=3D"" data-proportionally=
-constrained=3D"true" data-responsive=3D"true" src=3D"http://cdn.mcauto-ima=
ges-production.sendgrid.net/5be95bdc440e8f85/be02d317-09bb-4a9b-9046-8f6714=
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=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"e17fa89b-4d0d-4e4a-afa5-e3a51062997a" data-mc-mo=
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        <td style=3D"padding:18px 0px 18px 0px; line-height:25px; text-alig=
n:inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-cont=
ent"><div><div style=3D"font-family: inherit; text-align: inherit"><span st=
yle=3D"font-size: 30px; color: #ab3b3b"><strong>5 Reasons</strong></span><s=
pan style=3D"font-size: 30px"><strong> for your Borrowers to Consider a Sec=
ond Mortgage in </strong></span><span style=3D"font-size: 30px; color: #ab3=
b3b"><strong>2025</strong></span></div><div></div></div></td>
      </tr>
    </tbody>
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der=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table=
-layout: fixed;" data-muid=3D"83177cb3-047d-4d00-8c2a-01575f036e71">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 0px 0px;" role=3D"module-content" heig=
ht=3D"100%" valign=3D"top" bgcolor=3D"">
          <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"=
center" width=3D"100%" height=3D"10px" style=3D"line-height:10px; font-size=
:10px;">
            <tbody>
              <tr>
                <td style=3D"padding:0px 0px 10px 0px;" bgcolor=3D"#000000"=
></td>
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          </table>
        </td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"a9d22068-3f1c-4373-b46d-5714dade6b15" data-mc-mo=
dule-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:18px 0px 18px 0px; line-height:30px; text-alig=
n:inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-cont=
ent"><div><h2 style=3D"text-align: inherit; font-family: inherit">It was sm=
art back in 2020 when your clients bought a house during low rates, but 5 y=
ears later they may have need for extra cash ~</h2><div></div></div></td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"faac623d-1403-48ea-b4fe-5ccdf0a9b09d.1" data-mc-=
module-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 18px 0px; line-height:30px; text-align=
:inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-conte=
nt"><div><h2 style=3D"text-align: left">1. Home Renovations and Upgrades =
=F0=9F=8F=9A=EF=B8=8F</h2>
<h2 style=3D"text-align: left">2. Debt Consolidation =F0=9F=92=B8</h2>
<h2 style=3D"text-align: left">3. Investment Opportunities =F0=9F=93=88</h2=
>
<h2 style=3D"text-align: left">4. Education Expenses =F0=9F=8F=AB</h2>
<h2 style=3D"text-align: left">5. Emergency Funds =F0=9F=9A=91</h2><div></d=
iv></div></td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"e17fa89b-4d0d-4e4a-afa5-e3a51062997a.1" data-mc-=
module-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:18px 0px 18px 0px; line-height:22px; text-alig=
n:inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-cont=
ent"><div><div style=3D"font-family: inherit; text-align: inherit"><span st=
yle=3D"font-size: 30px; color: #000000"><strong>Read more in JET's latest</=
strong></span><span style=3D"font-size: 30px"><strong> </strong></span><a h=
ref=3D"http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ=
-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqdKgKXhLXGLlW8DiqaqclPuthyGjcYQVgFm5FAZegA4=
gMPNqgIyNNMWoGABvi95DKo-3DJ828_QXnTW6f9jV7ots26-2Fd0iCGLOO4geXRd-2FVUltDSV-=
2BScF32AU9t2CV3W2vRQxjx-2BD3929rZcqYcQzm7EjHZ880vsuO-2BJaTg9y1gK8MeoR4fR7TI=
rg7QwQW-2FQ8fIPxJPsJxUTBSjJW5tZM1gh-2BaDqW1j9T9LZEeUZQshyWOzG7mmrFoR9Pb0G-2=
FMj3mRmvcSaouUagTO1he6BKeHlkzZiXyPhOBINg2mpGOaHXq7yswDDnUwTedmw-2B1qSdLSwns=
R2ZWgcjOdTgHBFdciZfckHNDb-2B-2Bdm1EAGT87MlUKVbn4JeMCDvnfge9KLrUY3jKfrla7lPr=
-2B5ngWGOUyDhuEPYbIrt-2FFXggtyyRV1cWXyegQTsXlpSxXBByxQup5ntGYgtYSmAr9PnOkWz=
32CyIRTcHpwfaPnkoXB4ePxpDGVtDAWXVvxw1llPkolqvhKd35xu3HTjPqaM87yzRM3Lx3ocE-2=
B66xiO1NKyfOh9fjq7UxANS3P8QSYDen4n1f3RfcW-2F5EIs-2FJb4w0pGSlJixcmw-2BpuYDvP=
-2BYB9rmmVSGWDzEq9fdjPNtIf2TFsLwU9fRBRX7EGd"><span style=3D"font-size: 30px=
"><strong>Blog Post</strong></span></a></div><div></div></div></td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"faac623d-1403-48ea-b4fe-5ccdf0a9b09d.1.1" data-m=
c-module-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:18px 0px 18px 0px; line-height:25px; text-alig=
n:inherit; background-color:#ffebeb;" height=3D"100%" valign=3D"top" bgcolo=
r=3D"#ffebeb" role=3D"module-content"><div><h1 style=3D"text-align: left">2=
nd's Upgraded:&nbsp;</h1>
<h2 style=3D"text-align: left"><em>Higher</em> Loan Limits - More ways to Q=
ualify!</h2>
<ul>
  <li style=3D"text-align: left; font-family: arial, helvetica, sans-serif;=
 font-size: 14px; font-size: 14px"><span style=3D"font-family: arial, helve=
tica, sans-serif; font-size: 14px"><strong>NEW!</strong></span><span style=
=3D"font-family: arial, helvetica, sans-serif; font-size: 14px"> Increased =
Max loan amount to </span><span style=3D"font-family: arial, helvetica, san=
s-serif; font-size: 14px"><strong>$750k</strong></span></li>
  <li style=3D"text-align: left; font-family: arial, helvetica, sans-serif;=
 font-size: 14px; font-size: 14px"><span style=3D"font-family: arial, helve=
tica, sans-serif; font-size: 14px"><strong>NEW!</strong></span><span style=
=3D"font-family: arial, helvetica, sans-serif; font-size: 14px"> Higher max=
 combined lien balances: up to </span><span style=3D"font-family: arial, he=
lvetica, sans-serif; font-size: 14px"><strong>$5MM </strong></span><span st=
yle=3D"font-family: arial, helvetica, sans-serif; font-size: 14px">based on=
 CLTV</span></li>
  <li style=3D"text-align: left; font-family: arial, helvetica, sans-serif;=
 font-size: 14px; font-size: 14px"><span style=3D"font-family: arial, helve=
tica, sans-serif; font-size: 14px"><strong>NEW!</strong></span><span style=
=3D"font-family: arial, helvetica, sans-serif; font-size: 14px"> Max CLTV f=
or BKS/1099 increased from 85% to 90%</span></li>
  <li style=3D"text-align: inherit; font-family: arial, helvetica, sans-ser=
if; font-size: 14px; font-size: 14px"><span style=3D"color: #000000; font-s=
tyle: normal; font-variant-ligatures: normal; font-variant-caps: normal; fo=
nt-weight: 700; letter-spacing: normal; orphans: 2; text-align: left; text-=
indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-te=
xt-stroke-width: 0px; white-space-collapse: preserve; text-wrap-mode: wrap;=
 background-color: rgb(255, 235, 235); text-decoration-thickness: initial; =
text-decoration-style: initial; text-decoration-color: initial; float: none=
; display: inline; font-family: arial, helvetica, sans-serif; font-size: 14=
px">NEW!</span><span style=3D"font-family: arial, helvetica, sans-serif; fo=
nt-size: 14px"> Addition of </span><span style=3D"font-family: arial, helve=
tica, sans-serif; font-size: 14px"><strong>DSCR </strong></span><span style=
=3D"font-family: arial, helvetica, sans-serif; font-size: 14px">for busines=
s purpose</span></li>
  <li style=3D"text-align: left; font-family: arial, helvetica, sans-serif;=
 font-size: 14px; font-size: 14px"><span style=3D"font-family: arial, helve=
tica, sans-serif; font-size: 14px"><strong>NEW! </strong></span><span style=
=3D"font-family: arial, helvetica, sans-serif; font-size: 14px">Qualify wit=
h </span><span style=3D"font-family: arial, helvetica, sans-serif; font-siz=
e: 14px"><strong>ALL DOCS</strong></span></li>
  <li style=3D"text-align: left; font-family: arial, helvetica, sans-serif;=
 font-size: 14px; font-size: 14px"><span style=3D"font-family: arial, helve=
tica, sans-serif; font-size: 14px"><strong>NEW!</strong></span><span style=
=3D"font-family: arial, helvetica, sans-serif; font-size: 14px"> Rural prim=
ary up to 80 CLTV, max 10 acres; eligible across all doc types.</span></li>
</ul><div></div></div></td>
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        <td style=3D"padding:0px 0px 0px 0px;" role=3D"module-content" heig=
ht=3D"100%" valign=3D"top" bgcolor=3D"">
          <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"=
center" width=3D"100%" height=3D"10px" style=3D"line-height:10px; font-size=
:10px;">
            <tbody>
              <tr>
                <td style=3D"padding:0px 0px 10px 0px;" bgcolor=3D"#000000"=
></td>
              </tr>
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          </table>
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  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
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yout: fixed;" data-muid=3D"caf1b27d-87a8-49a2-8c9d-6154eb6cfa72" data-mc-mo=
dule-version=3D"2019-10-22">
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n:inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-cont=
ent"><div><h1 style=3D"text-align: center">Let's talk 2nds!</h1><div></div>=
</div></td>
      </tr>
    </tbody>
  </table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"=
center" width=3D"100%" role=3D"module" data-type=3D"columns" style=3D"paddi=
ng:0px 0px 0px 0px;" bgcolor=3D"#FFFFFF" data-distribution=3D"1,1">
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dth:290px; border-spacing:0; border-collapse:collapse; margin:0px 10px 0px =
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          <td style=3D"padding:0px;margin:0px;border-spacing:0;"><table bor=
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 style=3D"border-radius:6px; font-size:16px; text-align:center; background-=
color:inherit;">
                  <a href=3D"http://url5740.jetmortgage.com/ls/click?upn=3D=
u001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqcPa0Tr3oQQG6-2F0UdFu=
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NDb-2B-2Bdm1EAGT87MlUKVbn4JeMCDvnfge9KLrUY3jKfrla7lPr-2B5ngWGOUyDhuEPYbIrt-=
2FFXggtyyRV1cWXyegQTsXlpSxXBByxQup5ntGYgtYSmAr9PnOkWz32CyIRTcHpwfVw9pQI4bBW=
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SpCDZggH5vzM4ywxtlK65" style=3D"background-color:#ab3b3b; border:1px solid =
#333333; border-color:#333333; border-radius:6px; border-width:1px; color:#=
ffffff; display:inline-block; font-size:14px; font-weight:normal; letter-sp=
acing:0px; line-height:normal; padding:12px 18px 12px 18px; text-align:cent=
er; text-decoration:none; border-style:solid; font-family:arial black, helv=
etica, sans-serif;" target=3D"_blank">JET Products</a>
                </td>
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fixed;" width=3D"100%" data-muid=3D"15c4c029-c8da-466b-904e-8239e87b8249.1.=
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ding:0px 0px 0px 0px;">
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              <tbody>
                <tr>
                <td align=3D"center" bgcolor=3D"#e3a506" class=3D"inner-td"=
 style=3D"border-radius:6px; font-size:16px; text-align:center; background-=
color:inherit;">
                  <a href=3D"http://url5740.jetmortgage.com/ls/click?upn=3D=
u001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqfkyUCrtHmf4U6tcholKD=
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BKeHlkzZiXyPhOBINg2mpGOaHXq7yswDDnUwTedmw-2B1qSdLSwnsR2ZWgcjOdTgHBFdciZfckH=
NDb-2B-2Bdm1EAGT87MlUKVbn4JeMCDvnfge9KLrUY3jKfrla7lPr-2B5ngWGOUyDhuEPYbIrt-=
2FFXggtyyRV1cWXyegQTsXlpSxXBByxQup5ntGYgtYSmAr9PnOkWz32CyIRTcHpwfasfhxskBKA=
dCZnIQRZlqpTVkcdMpSygXq1tQThs6rtqYXZ3LDc0ThQ-2BMnl0SwDjTu2tVLKK14pfs6psiKqr=
zm3xlg1W8DKvxN92VrUF3XxQkkA-2FBmLNRgMszGVhTyeIMjf7mbQrqaTtaq3WpNzmNEI2r392Y=
Zmg6j5GP6duuCSK" style=3D"background-color:#e3a506; border:1px solid #33333=
3; border-color:#333333; border-radius:6px; border-width:1px; color:#000000=
; display:inline-block; font-size:14px; font-weight:normal; letter-spacing:=
0px; line-height:normal; padding:12px 18px 12px 18px; text-align:center; te=
xt-decoration:none; border-style:solid; font-family:arial black, helvetica,=
 sans-serif;" target=3D"_blank">BROKER LOGIN</a>
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=3D"ltr" style=3D"font-size:1px;direction:ltr"><table cellpadding=3D"0" cel=
lspacing=3D"0" border=3D"0" style=3D"width:100%;font-size:1px"><tbody><tr s=
tyle=3D"font-size:0"><td align=3D"left" style=3D"vertical-align:top"><table=
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ody><tr style=3D"font-size:0"><td align=3D"left" style=3D"vertical-align:to=
p"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"font-si=
ze:0"><tbody><tr style=3D"font-size:0"><td align=3D"left" style=3D"vertical=
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=3D"vertical-align:top"><table cellpadding=3D"0" cellspacing=3D"0" border=
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ze:0"><td align=3D"left" style=3D"padding:5px 0 4px;vertical-align:top"><a =
href=3D"http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8k=
Q-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqcPa0Tr3oQQG6-2F0UdFuPQG8zyF3_QXnTW6f9jV7o=
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</table></td></tr><tr style=3D"font-size:0"><td align=3D"left" style=3D"ver=
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e:13.33px"><td align=3D"left" style=3D"vertical-align:middle;font-family:'C=
entury Gothic'"><a href=3D"mailto:jim.mitchell@jetmortgage.com" target=3D"_=
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ze:0"><td align=3D"left" style=3D"vertical-align:top"><table cellpadding=3D=
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d align=3D"left" style=3D"padding:0 0 0 5px;vertical-align:top;font-family:=
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adding:4px 0 0;vertical-align:middle;font-family:'Century Gothic',sans-seri=
f"><span style=3D"font-family:'Century Gothic'"><span style=3D"background-c=
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le=3D"padding:4px 3px 3px 0;vertical-align:middle"><a href=3D"http://url574=
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span style=3D"font-family:'Century Gothic'">Jet&nbsp;Mortgage&nbsp;is&nbsp;=
a&nbsp;DBA&nbsp;of&nbsp;Home&nbsp;<wbr></wbr>Mortgage&nbsp;Alliance&nbsp;Co=
rporation&nbsp;<wbr></wbr>(HMAC)<br>HMAC&nbsp;is&nbsp;an&nbsp;Equal&nbsp;Ho=
using&nbsp;<wbr></wbr>Lender<br></span><span style=3D"background-color:#fff=
fff"><span style=3D"font-family:Arial,sans-serif"></span>MORTGAGEE&nbsp;CLA=
USE/LOSS&nbsp;PAYEE/<wbr></wbr>PROPOSED&nbsp;INSURED:<br>Home&nbsp;Mortgage=
&nbsp;Alliance&nbsp;Corp&nbsp;(<wbr></wbr>HMAC)&nbsp;Its&nbsp;Successors&nb=
sp;and/or&nbsp;<wbr></wbr>Assigns<br>4&nbsp;Hutton&nbsp;Centre&nbsp;Drive&n=
bsp;|&nbsp;<wbr></wbr>Office&nbsp;Suite&nbsp;#500&nbsp;|&nbsp;City&nbsp;of&=
nbsp;<wbr></wbr>Santa&nbsp;Ana,&nbsp;California&nbsp;92707</span></td></tr>=
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