Return-Path: Delivered-To: andrew@sterlingcal.com Received: from reseller401.webserversystems.com by reseller401.webserversystems.com with LMTP id UKg1LK6ti2j2rQ0AchKAPA (envelope-from ) for ; Thu, 31 Jul 2025 12:53:50 -0500 Return-path: Envelope-to: andrew@sterlingcal.com Delivery-date: Thu, 31 Jul 2025 12:53:50 -0500 Received: from pc234-199.mailgun.net ([143.55.234.199]:37142) by reseller401.webserversystems.com with esmtps (TLS1.2) tls TLS_ECDHE_RSA_WITH_AES_128_GCM_SHA256 (Exim 4.98.1) (envelope-from ) id 1uhXTS-00000003m3K-10nV for andrew@sterlingcal.com; Thu, 31 Jul 2025 12:53:50 -0500 DKIM-Signature: a=rsa-sha256; v=1; c=relaxed/relaxed; d=thelender.com; q=dns/txt; s=krs; t=1753984413; x=1753991613; h=Content-Transfer-Encoding: Content-Type: Message-Id: To: To: From: From: Subject: Subject: Mime-Version: Date: Sender: Sender; bh=wyeebF4uITzp5PuL74zzCgrPloCoyIJrM+jOAMfTSY4=; b=VLlzjvlUE18rsMti6EAdwXVNS09BotdPegopQQ7W3G9ghnmZ8wB01KlibqKgWYoJ5wzHuW10gKVJBXWJT9XKYk+y7EiUG404r8jA6N8oozRIY1nKfvlbxa6/S4IgYVjUmyU99KTXzew06vEKIXnakDpMxrwZwNlyDKwQaziL3XxiIyc4WxI9RUGHp/kgej8fr7psc35u7UbNiYmU3kAXa/+0NZYlZLgM4L4C61W7+R/2EKXv12KGgIE2o+wGG8OHxTpHAcLjDzR/SklYgDks5f5H/zCUa3hgAwwccPna7gca0I5xNMienI4d35jvObWdIGdTsasVwLihbalGbzxgjw== X-Mailgun-Sid: WyIxNWYwNSIsImFuZHJld0BzdGVybGluZ2NhbC5jb20iLCI1NzcxNzQiXQ== Received: by f40eddb9b969 with HTTP id 688bad9dfb14af796dab229e; Thu, 31 Jul 2025 17:53:33 GMT X-Mailgun-Sending-Ip: 143.55.234.199 Sender: cleclair@thelender.com Date: Thu, 31 Jul 2025 17:53:33 +0000 Mime-Version: 1.0 Subject: theLender - nearNONI is here to help savvy investors From: cleclair@thelender.com To: andrew@sterlingcal.com X-Mailgun-Variables: {"entityId": "C6UJ9A01CSIY", "entityType": "Contact", "itemId": "4e9df781-863d-4000-9fcd-8d32c2e32cb5", "sourceType": "emailblast", "templateId": "Q6UJ9A0M8PEP"} Message-Id: <20250731175333.6b3719171c5bf8e4@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=-2.3 X-Spam-Score: -22 X-Spam-Bar: -- X-Spam-Flag: NO
=

The nearNO= NI 

theLender has the solution= for No Ratio mortgages. It's not quite theNONI, but the nearNONI is defini= tely cut from the same cloth and here to help investors out. 

<= 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:#e4002b;border-radius:0;color:#000;widt= h:700px;margin:0 auto" width=3D"700">

No minimum =
DSCR 

No Ownership Seasoning on Cash Out 

<= td class=3D"pad">

FICO expansion d= own to 

660
  • DSCR <.75
  • Non-Warr= antable Condos allowed
  • 40 Year Fully Amortized Term available
  • <= span style=3D"word-break: break-word; font-size: 16px;">Loans to $3MM
  • $1.5M up to 75% LT= V with a 700 FICO & up to $3 million at 70%LTV
  • Cash-out can be used as Reser= ves
  • No Cash Out or Ownership Seasoning
  • New Prepay options:
    • - 5, 4, 3, 2 & 1 &= No prepay
    • New Prepay Options: 6 Months of Interest and 3% Fixed Prepay Declin= ing pre pay option available
<= /table>
Camero= n Leclair

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

<= /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 communicatio= n from us because you've given Hometown Equity Mortgage, LLC d/b/a theLende= r your email in the past, and we're trying to stay in touch with you. If yo= u prefer to contact us in writing, please mail any correspondence to 25531 = Commercentre #250 Lake Forest, CA 92630.


3D'clear'