the Spot | Appraisals | Broker_Resources |= Become_a_Part= ner | = ;Rates

The summer is heating up with= pricing specials on

theNONI & nearNONI

= ;

NOTE: All loans must be locked by June = 30, 2025.

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

Save

100 BPS

Pricing Incentive for

Cash-Ou= t Transactions

with 5-year pr= epay

<= span style=3D"word-break: break-word;">

Save

50 BPS

Pricing Incentive for

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 June 30, 2025.

Noni+ and NONI58 are not eligible. DSCR less than .75 is not elig= ible. Foreign National Borro= wers are not eligible.

Camero= n Leclair

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

theLender.com | About Us | Products | Mortgage Partner&n= bsp;| 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 = from us because you've given Hometown Equity Mortgage, LLC d/b/a theLender = your email in the past, and we're trying to stay in touch with you. If you = prefer to contact us in writing, please mail any correspondence to 25531 Co= mmercentre #250 Lake Forest, CA 92630.