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<span style=3D"word-break: break-word; color: #ffffff; font-size: 14px;"><s=
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reak: break-word; color: #ffffff; font-size: 14px;">|</span></a><strong><a =
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https://email.thelender.com/c/eJxUkDtPwzAUhX-NvaWyr1_J4KEURYQNAQOjH7dtJOch5=
0LUf48oLEhnOsM5-r7sjXPSaY5eOiNcK1XbcZxppNuQ_cm-P3dHIU-vw8df-3Zb0Z-WmUIifvUm=
pzNEk1SK0SURko0GjACBDjGowEcPAoywoKUVnW4PDnRubVJZ_eScmBZ0xYJzxnpIy8RHwmnIPjo=
lwercnHVuGw0mNx0GbJLEGKwVnWgzL_5KtG5MHRn0DPp93w__1hj001LpEi7YrKHSjJVBz6sPc6=
64My02wlrG-ZJCud9vy2dNeMfEKYwllrARJ5zWEgiH7F9-pcDTo3rgXx6-AwAA__8LumYB" tar=
get=3D"_blank" rel=3D"noopener">Become<span style=3D"word-break: break-word=
; color: #e4002b; font-size: 14px;">_</span>a<span style=3D"word-break: bre=
ak-word; color: #e4002b; font-size: 14px;">_</span>Partner </a></strong><a =
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sjXPSaY5eOiNcK1XbcZxppNuQ_cm-P3dHIU-vw8df-3Zb0Z-WmUIifvUmpzNEk1SK0SURko0GjA=
CBDjGowEcPAoywoKUVnW4PDnRubVJZ_eScmBZ0xYJzxnpIy8RHwmnIPjolwercnHVuGw0mNx0Gb=
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y2dNeMfEKYwllrARJ5zWEgiH7F9-pcDTo3rgXx6-AwAA__8LumYB" target=3D"_blank" rel=
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QOjH7dtJOch50LUf48oLEhnOsM5-r7sjXPSaY5eOiNcK1XbcZxppNuQ_cm-P3dHIU-vw8df-3Zb=
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HSjJVBz6sPc664My02wlrG-ZJCud9vy2dNeMfEKYwllrARJ5zWEgiH7F9-pcDTo3rgXx6-AwAA_=
_8LumYB" target=3D"_blank" rel=3D"noopener">&nbsp;</a><a style=3D"text-deco=
ration: none; color: #FFFFFF;" href=3D"https://email.thelender.com/c/eJxUkD=
1P8zAUhX9NvKWyr78HD337KiJsCBgYb-xbEslJq-RC1H-PKCxIZzrDOXqekqz3yhtBSXkrfVA6R=
EELT3zrSzq518d4lOr03L_9ti-3K6XTZWHMLMY06GBs8B6k8hjhTBGDxyiNtRYwkpgSSLDSgVFO=
RhMOHkwJLuuiv3POjZE8UqWl0HrIl1lMTHNf0uC1AmdKezYltAZsaSMhtVnRgM7JKEMRNY3M163=
Rxwa6Brp93w9_1hroVmTaRiLeGujEmnApK-2NkRvTWqflPWO9H2-XjzXTHZBmnOpQcWPBNF8rMv=
UlPf3ogIf_-p_4TPAVAAD__zD2Yjc" target=3D"_blank" rel=3D"noopener">Rates</a>=
</strong></span>
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;background-color:#fff;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;vertical-align:top"><t=
able class=3D"image_block block-1" 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"><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" style=3D"max-width:700px"><img=20
src=3D"https://d15k2d11r6t6rl.cloudfront.net/pub/izn8/7h0w4ujj/uaw/yxk/ln5/=
20250623_theNADA.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 here =
for you, America" height=3D"auto"></div></div></td></tr></table></td></tr><=
/tbody></table></td></tr></tbody></table><table class=3D"row row-4" 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" ce=
llpadding=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 class=3D"column column-1" width=3D"100%" style=3D"mso-t=
able-lspace:0;mso-table-rspace:0;font-weight:400;text-align:left;background=
-color:#fff;vertical-align:top"><table class=3D"text_block block-1" width=
=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"presenta=
tion"=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;mso-line-height-alt:14.399999999999999p=
x">
<span style=3D"word-break: break-word; color: #e4002b;"><strong><span style=
=3D"word-break: break-word; font-size: 34px;">Meet theNADA</span></strong><=
/span></p><p style=3D"margin:0;text-align:center;mso-line-height-alt:40.8px=
"><span style=3D"word-break: break-word; color: #000000; font-size: 20px;">=
<span style=3D"word-break: break-word;">Nothing down with 100% FHA Purchase=
 Financing.</span></span></p><p style=3D"margin:0;text-align:center;mso-lin=
e-height-alt:24px">
<span style=3D"word-break: break-word; color: #000000; font-size: 20px;"><s=
pan style=3D"word-break: break-word;">One submission. One approval. One clo=
sing.</span></span></p></div></div></td></tr></table></td></tr></tbody></ta=
ble></td></tr></tbody></table><table class=3D"row row-5" align=3D"center" w=
idth=3D"100%" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"pres=
entation" style=3D"mso-table-lspace:0;mso-table-rspace:0"><tbody><tr><td><t=
able 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:#e4002b;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"33.333333333333336%" style=3D"mso-table-lspace:0;mso=
-table-rspace:0;font-weight:400;text-align:left;padding-bottom:5px;padding-=
top:5px;vertical-align:top"><table class=3D"text_block block-1" width=3D"10=
0%" border=3D"0" cellpadding=3D"10" 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"><div style=3D"font-family:sans-serif"><div class style=3D"=
font-size:14px;font-family:Arial,Helvetica Neue,Helvetica,sans-serif;mso-li=
ne-height-alt:16.8px;color:#555;line-height:1.2"><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: 28px;"><strong>First Time Ho=
mebuyers allowed</strong></span></p></div></div></td></tr>
</table></td><td class=3D"column column-2" width=3D"33.333333333333336%" st=
yle=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:lef=
t;padding-bottom:5px;padding-top:5px;vertical-align:top"><table class=3D"te=
xt_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10" cellspacin=
g=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:sa=
ns-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:28px;text-align:center;mso-line-height-alt:33.6px"><span styl=
e=3D"word-break: break-word; color: #ffffff;"><strong>Non-occupant Co-Borro=
wers allowed</strong></span></p></div></div></td></tr></table></td><td clas=
s=3D"column column-3" width=3D"33.333333333333336%"=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:28px;text-align:center;mso-line-height-alt:33.6px"><span styl=
e=3D"word-break: break-word; color: #ffffff;"><u><strong><span style=3D"wor=
d-break: break-word; font-size: 28px;">theNADA+</span></strong></u></span><=
/p><p style=3D"margin:0;font-size:28px;text-align:center;mso-line-height-al=
t:33.6px">
<strong><span style=3D"word-break: break-word; font-size: 28px; color: #fff=
fff;">101.5%&nbsp;</span></strong><br><strong><span style=3D"word-break: br=
eak-word; font-size: 28px; color: #ffffff;">CLTV&nbsp;</span></strong></p><=
/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" cellspacing=3D"0" role=3D"presentation" style=3D"mso-t=
able-lspace:0;mso-table-rspace:0"><tbody><tr><td><table=20
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-ta=
ble-rspace:0;background-color:#fff;border-radius:0;color:#000;width:700px;m=
argin: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"=
=20
cellspacing=3D"0" role=3D"presentation" style=3D"mso-table-lspace:0;mso-tab=
le-rspace:0;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-b=
ottom:10px;padding-left:20px;padding-right:20px;padding-top:15px"><div styl=
e=3D"font-family:sans-serif"><div class style=3D"font-size:12px;font-family=
:Arial,Helvetica Neue,Helvetica,sans-serif;mso-line-height-alt:14.399999999=
999999px;color:#555;line-height:1.2"><p style=3D"margin:0;text-align:center=
;mso-line-height-alt:14.399999999999999px">
<span style=3D"word-break: break-word; color: #e4002b; font-size: 20px;"><s=
trong><span style=3D"word-break: break-word;">Additional Program Features</=
span></strong></span></p></div></div></td></tr></table></td></tr></tbody></=
table></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" role=3D"pr=
esentation" 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"=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"16.666666666666668%" style=3D"mso-table-lspace:0;mso-ta=
ble-rspace:0;font-weight:400;text-align:left;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" cellspacing=3D"0" role=3D"presentation"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div>=
</div></td></tr></table></td><td class=3D"column column-2" width=3D"83.3333=
3333333333%" style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400=
;text-align:left;padding-bottom:5px;padding-top:5px;vertical-align:top"><ta=
ble 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;ms=
o-table-rspace:0;word-break:break-word"><tr><td class=3D"pad"><div=20
style=3D"font-family:sans-serif"><div class style=3D"font-size:14px;font-fa=
mily:Arial,Helvetica Neue,Helvetica,sans-serif;mso-line-height-alt:16.8px;c=
olor:#555;line-height:1.2"><ul style=3D"line-height:1.2;mso-line-height-alt=
:16.8px"><li>One FICO Score Allowed</li><li>680 minimum FICO</li><li>Gift F=
und Allowed</li><li>DACA Borrowers Eligible</li><li>SFR, PUDs, Condos, 1-2 =
Units, Manufactured</li><li>Loan Amount Per County Limits</li><li>DTI per A=
US</li><li>Borrower-Paid or Lender-Paid Comp</li><li>
Homeowner Education Required (at least one borrower)</li><li>2nd payment in=
cluded in DTI</li><li>Seller Contributions: FHA up to 6%</li><li>Lender or =
borrower paid compensation options available</li></ul></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-content stack"=20
align=3D"center" border=3D"0" cellpadding=3D"0" cellspacing=3D"0" role=3D"p=
resentation" style=3D"mso-table-lspace:0;mso-table-rspace:0;color:#000;widt=
h: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-weigh=
t:400;text-align:left;background-color:#fff;vertical-align:top"><table clas=
s=3D"divider_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"10" =
cellspacing=3D"0" role=3D"presentation"=20
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-ls=
pace:0;mso-table-rspace:0"><tr><td class=3D"divider_inner" style=3D"font-si=
ze:1px;line-height:1px;border-top:2px solid #e4002b"><span style=3D"word-br=
eak: break-word;">&#8202;</span></td></tr></table></div></td></tr></table><=
table class=3D"text_block block-2" 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;word-break:break-word"><tr><td class=3D"pad" style=3D"padding-b=
ottom:20px;padding-left:10px;padding-right:10px;padding-top:10px"><div styl=
e=3D"font-family:sans-serif"><div class style=3D"font-family:Arial,Helvetic=
a Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14.399999999=
999999px;color:#555;line-height:1.2"><p style=3D"margin:0;font-size:14px;te=
xt-align:center;mso-line-height-alt:16.8px">
<span style=3D"word-break: break-word; font-size: 18px;"><strong>Cameron Le=
clair</strong></span></p><p style=3D"margin:0;font-size:14px;text-align:cen=
ter;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></t=
r></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"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 class=3D"c=
olumn column-1" width=3D"100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;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" sty=
le=3D"mso-table-lspace:0;mso-table-rspace:0;word-break:break-word"><tr><td =
class=3D"pad"><div style=3D"font-family:sans-serif"><div class style=3D"fon=
t-family:Arial,Helvetica Neue,Helvetica,sans-serif;font-size:12px;mso-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">
<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"https://em=
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zOgdg6J53hGKVrhfNS-8BxoYnuPcSLff0fzkJenvu3n_blvmG8rAulTPwapU8wDiDCCFpqq1Uef=
TuASGOCHKTnU1RCtcIqI60Ixp-cMuBt1qC_MmZmBF2x4AJYT3md-UQ49xAHp6WyBprRgG-MaqEJ=
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HIU-vw8df-3Zb0Z-WmUIifvUmpzNEk1SK0SURko0GjACBDjGowEcPAoywoKUVnW4PDnRubVJZ_e=
ScmBZ0xYJzxnpIy8RHwmnIPjolwercnHVuGw0mNx0GbJLEGKwVnWgzL_5KtG5MHRn0DPp93w__1=
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lank" 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-10" align=3D"center" width=3D"100%" bord=
er=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"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=
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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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