Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id 6ANbEPO7f2gxagwAchKAPA (envelope-from ) for ; Tue, 22 Jul 2025 11:27:31 -0500 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Tue, 22 Jul 2025 11:27:31 -0500 Received: from pc234-199.mailgun.net ([143.55.234.199]:37530) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.98.1) (envelope-from ) id 1ueFpy-00000003Pdb-3A0w for andrew@sterlingcal.com; Tue, 22 Jul 2025 11:27:31 -0500 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1753201634; x=1753208834; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=Baz2pcgybJgVPTO9Jzk64Bwtm/9wFUCdwnoPouCZ3hk=; b=TEFtrm1OCOs4F48/j7jDKWimPcO0MI4PHmhXbMEOCXYkr/QQFH9KP/GUH+GvRmqkPHfritjl9ZFiUIPi6Csi3Wvnqyv6Z11RbRBYdrEFQ78wfRACAwAz6LAt3vTx2B2y1i9s5cgHDYHeYIigga1XVwGbqM4YYMa0UbuNM3gdIQTzcnnqrz3P0YV/FPJD/8F7cPAZW0Wo836mu/r6mxU+ikYPbcTVM2dwAT99fZXsdn0pxfQomRK0Vv271JJoIIiAAh8+2alT6wGdlr15fySNaByiKfDzYW6RehyHJn33wI/2E7bGNfmaXnhzbvhs15As6IbgOMNrDq86MJKnd8TLQQ== X-Mailgun-Sid: WyIxNWYwNSIsImFuZHJld0BzdGVybGluZ2NhbC5jb20iLCI1NzcxNzQiXQ== Received: by 75e08d86408b with HTTP id 687fbbe2e1bc58ab2c590e85; Tue, 22 Jul 2025 16:27:14 GMT X-Mailgun-Sending-Ip: 143.55.234.199 Sender: cleclair@thelender.com Date: Tue, 22 Jul 2025 16:27:14 +0000 Mime-Version: 1.0 Subject: No Cash Out Or Ownership Seasoning From: cleclair@thelender.com To: andrew@sterlingcal.com X-Mailgun-Variables: {"entityId": "C6UJ9A01CSIY", "entityType": "Contact", "itemId": "e5700152-7208-49e8-837f-bfd328cd5906", "sourceType": "emailblast", "templateId": "Q6UJ9A0M4E02"} Message-Id: <20250722162714.d9be89bec97d6eda@thelender.com> Content-Type: text/html; charset="utf-8" Content-Transfer-Encoding: quoted-printable X-SPF-Check: 143.55.234.199 is not allowed to send mail from thelender.com X-Spam-Status: No, score=-3.3 X-Spam-Score: -32 X-Spam-Bar: --- X-Spam-Flag: NO
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WHY WAIT T= O TAP INTO EQUITY? 
Our flexible Non-QM solutions remove the traditio= nal cash-out and ownership seasoning hurdles - allowing borrowers to qualif= y based on appraised value regardless of how recently the property was acqu= ired. Ideal for fast-moving investors and time-sensitive transactions. = ;

Max Flexibility for Borrowers Who Want = to Move Fast 

=

Access Equity Immedia= tely.

No Waiting = Periods. 

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Close Fast. 
Tap Equity Soo= ner.

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theNONI, theNONI+, superNO= NI, nearNONI

  • No seasoning requi= red - LTV based on appraised value
  • If owned less than 6 months: No credi= t exceptions, 6 months additional reserves required, and DSCR must be great= er than or equal to 1.15
  • No transferred appraisals

NonQM+ and NonQM 
  • No seasoning requi= red - LTV based on appraised value
  • If owned less than = 6 months: No credit exceptions, 6 months additional reserves required, and = Full Doc/Bank Statements Only
  • No transferred appraisals
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Camero= n Leclair

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

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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 communicati= on from us because you've given Hometown Equity Mortgage, LLC d/b/a theLend= er your email in the past, and we're trying to stay in touch with you. If y= ou prefer to contact us in writing, please mail any correspondence to 25531= Commercentre #250 Lake Forest, CA 92630.


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