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<span style=3D"word-break: break-word; color: #ffffff; font-size: 14px;"><s=
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rd-break: break-word; color: #e4002b; font-size: 14px;">_</span>a<span styl=
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i3tAA3oAIgs4QPIptkDgqXHSpqHRVowBJBhpwSqntNIHkjJFijY2cfCkTaUl3ynTjFQOaZnEyDT=
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cs2gDVTW9P1QaxiI1BQMGITa1Nppq-2BAVLkWMcq9p4tFhZk5MwL8XpI11lNwnNHAT0lJMJySFU=
qLeFQeqtdCdr1aSCP1FiVwyhy24rqWJi2MO2-74d_b4Vp1yi8jcyyFaZVa4gLrbwXFjbhNU_LZ4=
r5Ad6uX2vihyDPccp9jpso4fmWo3BH4e03x-v56eWivoP5CQAA__9SmmPo" target=3D"_blan=
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ble-rspace:0;font-weight:400;text-align:left;background-color:#fff;vertical=
-align:top"><table class=3D"image_block block-1" width=3D"100%" border=3D"0=
" 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/7wz/i63/ooc/=
20250626_NonQM.jpg" style=3D"display:block;height:auto;border:0;width:100%"=
 width=3D"700" alt title height=3D"auto"></div></div></td></tr></table><tab=
le 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"paddin=
g-bottom:10px;padding-left:20px;padding-right:20px;padding-top:15px"><div=
=20
style=3D"font-family:sans-serif"><div class style=3D"font-family:Arial,Helv=
etica Neue,Helvetica,sans-serif;font-size:12px;mso-line-height-alt:14.39999=
9999999999px;color:#555;line-height:1.2"><p style=3D"margin:0;text-align:ce=
nter;font-size:34px;mso-line-height-alt:40.8px"><strong>A Non-QM Lineup Tha=
t Covers It All</strong></p></div></div></td></tr></table></td></tr></tbody=
></table></td></tr></tbody></table><table class=3D"row row-4" align=3D"cent=
er" 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;background-color:#fff;color:#000;border-radiu=
s:0;width:700px;margin:0 auto" width=3D"700"><tbody><tr><td class=3D"column=
 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:21px;color:#555;line-height:1.5"><p style=3D"margin:=
0;font-size:18px;text-align:center;mso-line-height-alt:27px"><span style=3D=
"word-break: break-word; font-size: 18px;">From First-Time investors to sea=
soned pros, self-employed borrowers to those using asset qualifiers=E2=80=
=94our <strong>Non-QM product suite</strong> is built to deliver.</span></p=
><p=20
style=3D"margin:0;font-size:18px;text-align:center;mso-line-height-alt:27px=
"><span style=3D"word-break: break-word; font-size: 18px;">We=E2=80=99ve ro=
lled out products like <strong>theNONI+</strong> for experienced DSCR borro=
wers, the <strong>superNONI</strong> with asset depletion options, and <str=
ong>NONI58+</strong> for larger multi-unit or mixed-use properties. Plus, t=
he <strong>nearNONI</strong> and full Non-QM lineup make it easier than eve=
r to say yes.</span></p><p=20
style=3D"margin:0;font-size:18px;text-align:center;mso-line-height-alt:27px=
"><span style=3D"word-break: break-word; font-size: 18px;">Looking for seco=
nd liens? We=E2=80=99ve got that too=E2=80=94with <strong>theSECOND</strong=
>, <strong>theSECOND+</strong>, and <strong>theLINE</strong> now available =
in more states with more flexible guidelines.</span></p><p style=3D"margin:=
0;font-size:18px;text-align:center;mso-line-height-alt:27px">
<span style=3D"word-break: break-word; font-size: 18px;">Need flexibility f=
or self-employed borrowers? We have <strong>Full Doc</strong>, <strong>Bank=
 Statement</strong>, <strong>Gig</strong>, and <strong>Asset Qualifier</str=
ong> solutions ready to go. And if your borrower has an <strong>ITIN</stron=
g>, we=E2=80=99ve got you there too.</span></p></div></div></td></tr></tabl=
e></td></tr></tbody></table></td></tr></tbody></table><table class=3D"row r=
ow-5" 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;mso-line-height-alt:16.8px"><span style=3D"word-break=
: break-word; font-size: 20px;">Let=E2=80=99s talk Non-QM - reach out today=
 or explore more at <strong><a href=3D"https://email.thelender.com/c/eJxUkL=
1ugzAURp8Gb0S28Q8MHqJIVLRdqrRDRnPvpSAZQ-GmUd6-Utql6zd8OudgsN4rbwQF5a1sbC2tE=
ZR54nuH4eQ-npujVKdzd_lb3-8rhdOSOQKLMaA0w6AdOohOKuOgskPvPDSWdKUqL6agpbbSaae8=
MsocSEqIFF2sYl-TsYWRPFKijLQdYJnFxDR3GGyNYBFtOUAFpUE7lLVRvpTK9zBgbbExIoWRed2=
L6ljottDtbVwS7THR4d9nodu85K-5XLcFr8B7oVuxhZhxo1th5M60pSl_QkwPhH25bkAPVZrjlP=
oUdxZM85oiU4fh7TfM6_np5SK-g_4JAAD__1QXZ60" style=3D"text-decoration: underl=
ine; color: #e4002b;">wholesale.thelender.com</a></strong></span></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-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"=
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in:0 auto" width=3D"700"><tbody><tr><td class=3D"column column-1" width=3D"=
100%"=20
style=3D"mso-table-lspace:0;mso-table-rspace:0;font-weight:400;text-align:l=
eft;background-color:#fff;vertical-align:top"><table class=3D"divider_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"><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-lspace:0;mso-table-rspace:0"><tr><td class=3D"divider_i=
nner"=20
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"p=
ad" style=3D"padding-bottom:20px;padding-left:10px;padding-right:10px;paddi=
ng-top:10px"><div style=3D"font-family: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"><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: brea=
k-word; color: #000080; font-size: 14px;"><strong>cleclair@thelender.com&nb=
sp;</strong></span></p></div></div></td></tr></table></td></tr></tbody></ta=
ble></td></tr></tbody></table><table class=3D"row row-7" 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=20
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e class=3D"text_block block-1" width=3D"100%" border=3D"0" cellpadding=3D"1=
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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"=
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<a style=3D"text-decoration: underline; color: #E4002B;" href=3D"https://em=
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</p></div></div></td></tr></table></td></tr></tbody></table></td></tr></tbo=
dy></table><table class=3D"row row-8" 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=
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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=
e-lspace:0;mso-table-rspace:0"><tr><td class=3D"pad"><div style=3D"font-fam=
ily:Arial,Helvetica Neue,Helvetica,sans-serif;text-align:center" align=3D"c=
enter"><div style=3D"font-size: 12px; line-height: 14px; font-family: Arial=
, 'Helvetica Neue', Helvetica, sans-serif; color: #555555; text-align: left=
;">
  <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. 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>
</div><br />

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prefer to contact us in writing, please mail any correspondence to 25531 Co=
mmercentre #250 Lake Forest, CA 92630.</span></p>
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