the Spot | Appraisals | Broker_Resources | Become_a_Partner | Rates<= /strong>

The summer is heat= ing up with pricing specials on

theNO= NI & nearNONI

NOTE: All loans must be locked by May 31, 2025<= /strong>.
Noni+ and NONI58 are not eligible. DSCR less than = =2E75 is not eligible. Foreign Nat= ional Borrowers are not eligible. = ;

<= 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">

Save=

100 BPS

Pri= cing Incentive for

Cash-Out Transactions

with 5-year prepay=

<= td class=3D"pad">

Save

Pricing Incentive for

<= p style=3D"margin:0;font-size:22px;text-align:center;mso-line-height-alt:26= =2E4px"> Purchase T= ransactions

with 5-year prepay

<= /td>

theNONI Highlights

As little as 0 months reserves= (Use property
cashflow to qualify)
FICOS As Low As 620
=
85% LTV on 1:1 including STR
No LTV Restrictions on 2-4 units
40 Year Fully Amortized Term
Rural Properties =E2=80=93 Allo= wed max 10 acres
100% gift funds allowed if borrower can verify the= y have 5% of their own funds
No seasoning required with a 1.15 DSCR

NONI Purchase & R/T

Going to 8= 5% LTV on Purchase (min 700)
Going to 75% LTV on Purchase (min 660+= )
Going to 75% LTV on R/T (min 660+)
Going to 80% LTV on R/= T (min 700)

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+)

nearNONI= Highlights

D= SCR < 1.00
New Fico expansion down to 660
Non-warrantable co= ndo allowed
Loans to $3MM
Max 75% LTV purchase 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

<= td class=3D"pad" style=3D"padding-bottom:10px;padding-left:20px;padding-rig= ht:20px;padding-top:15px">

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

Noni+ and NONI58 are not eligible. DSCR less than .75 is not = eligible. Foreign National B= orrowers are not eligible.

Camero= n Leclair

(949) 312-5374 | cleclair@thelender.com&nb= sp;

theLender.com | About Us | Products | Mortgage Partner | <= a style=3D"text-decoration: underline; color: #E4002B;" href=3D"http://emai= l.thelender.com/c/eJxUkLFu8yAUhZ8GNkdw4UIYGKL8suR_q5oO7XYDl8YSdiKb1srbV0q6d= D3DOef7ckTvtbeSo_bWe7SgjeS5je0-5Hh0b__DQenj6_D-m57uN47H69woNXmJRTEGytp4Upq0= Q0Lict6fkwNkzXKMoAAVgtKoHZpdScmh9VanAKQAhFXtwpXnzMsuXSc5Np6GHPfaFcOFO6-C66x= x2IVQbJc4Z0MeQ9Fe1nhp7bYKcxDQC-i3bdv9aRPQp-fZDgT0cok054U3YdXaeKnj_JmoPnbX69= eS-MHHE431XGltsvF0q9R4yPHlaaM__bMf8jvCTwAAAP__XNhiJA" target=3D"_blank" rel= =3D"noopener">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 f= rom us because you've given Hometown Equity Mortgage, LLC d/b/a theLender y= our email in the past, and we're trying to stay in touch with you. If you p= refer to contact us in writing, please mail any correspondence to 25531 Com= mercentre #250 Lake Forest, CA 92630.