Envelope-to: andrew@sterlingcal.com
Delivery-date: Thu, 02 Oct 2025 10:52:42 -0500
Content-Type: multipart/alternative; boundary=da6b9fa9221078dfdd52dbcd27995cc9ee90f554c9f6b57d627845525c1e
Date: Thu, 02 Oct 2025 15:52:30 +0000 (UTC)
From: Loan Solutions <loansolutions@jetmortgage.com>
Mime-Version: 1.0
Message-ID: <bIh9wFhnTi2n-ou8kF-v_Q@geopod-ismtpd-14>
Subject: How JET Mortgage saved a Non-QM Deal
To: Jane Doe <andrew@sterlingcal.com>

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Content-Transfer-Encoding: quoted-printable
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Your Trusted TPO Partners

( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
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6AEFWJoQXYEF4ThhuOipw-3D-3D )

( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
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( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
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cnHDcKhqFUosp-2B6VnF1dT6Wd6fw-3D-3D )

******************************************
Here's how Jet saved this deal with Non-QM
******************************************

JET recently helped one of our broker partners close a tough deal, -- one t=
hat was at risk of failure through conventional means.
---------------------------------------------------------------------------=
------------------------------------------------------

**************
The Challenge:
**************

A *self-employed borrower* with strong cash flow couldn=E2=80=99t qualify f=
or a conventional loan due to *inconsistent tax returns*. The deal was abou=
t to fall apart.

*************
The Solution:
*************

Jet Mortgage stepped in with our *Bank Statement Program* ( http://url5740.=
jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BD=
oi3995OUDVqcBE5U-2FV79h0Gv-2FyHrSfq90UyQiiRNmkNgR-2Fibu9-2FEtNA-3D-3DQ3ky_Q=
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K3aXxM43BQbQnKUpvi8zsJUgFcbZ6T-2Fi602xOYgxxWoqbj1YfogTMq8MUgLVxYGmycKAVPNZ4=
8mv5kt1lYgjoEFdctPly0keTTrPCfVImvJrw-3D-3D ) , allowing income to be verifi=
ed through deposits instead of tax documents. Our team helped structure the=
 file, calculate qualifying income, and guide the broker through the proces=
s.

**********
The Result
**********

The loan was *approved* and *closed on time*. The borrower got their proper=
ty, and the broker kept a valuable client.
If you=E2=80=99re working with *self-employed borrowers* or facing tough do=
cumentation scenarios, reach out to Jet Mortgage. We=E2=80=99re here to hel=
p you close more deals with smart, flexible *Non-QM solutions*.

*******************************
Let's win the next one together
*******************************

**********************
Call your JET AE TODAY
**********************

JET Products ( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0=
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6AuuDz0pQCT2fceblp9pPJER3APw-3D-3D )

SUBMIT LOAN ( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0X=
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( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
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( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
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( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
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Loan Solutions =E2=80=8B


|

Jet=C2=A0Mortgage

Direct=C2=A0Number: 888-238-0789

loansolutions@jetmortgage.com ( jim.mitchell@jetmortgage.com )
| www.jetmortgage.com ( http://url5740.jetmortgage.com/ls/click?upn=3Du001.=
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4=C2=A0Hutton=C2=A0Centre=C2=A0Dr. | Suite=C2=A0520

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92707

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Jet=C2=A0Mortgage=C2=A0is=C2=A0a=C2=A0DBA=C2=A0of=C2=A0Home Mortgage=C2=A0A=
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ssors=C2=A0and/or Assigns
4=C2=A0Hutton=C2=A0Centre=C2=A0Drive=C2=A0| Office=C2=A0Suite=C2=A0#500=C2=
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der=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table=
-layout: fixed;" data-muid=3D"83177cb3-047d-4d00-8c2a-01575f036e71.1">
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      <tr>
        <td style=3D"padding:0px 0px 0px 0px;" role=3D"module-content" heig=
ht=3D"100%" valign=3D"top" bgcolor=3D"">
          <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"=
center" width=3D"100%" height=3D"10px" style=3D"line-height:10px; font-size=
:10px;">
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                <td style=3D"padding:0px 0px 10px 0px;" bgcolor=3D"#000000"=
></td>
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  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"ca436d18-aa20-49f5-99a5-f3a29cca8502" data-mc-mo=
dule-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 18px 0px; line-height:40px; text-align=
:inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-conte=
nt"><div><h1 style=3D"text-align: inherit">Here's how Jet saved this deal w=
ith<span style=3D"color: #ab3b3b"> Non-QM</span></h1>
<h3 style=3D"text-align: inherit"><span style=3D"color: #ab3b3b">JET </span=
>recently helped one of our broker partners close a tough deal, -- one that=
 was at risk of failure through conventional means.</h3><div></div></div></=
td>
      </tr>
    </tbody>
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der=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table=
-layout: fixed;" data-muid=3D"6c5e1096-bf4b-4ca8-8ddf-8691defc60cb">
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      <tr>
        <td style=3D"padding:0px 0px 0px 0px;" role=3D"module-content" heig=
ht=3D"100%" valign=3D"top" bgcolor=3D"">
          <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"=
center" width=3D"100%" height=3D"10px" style=3D"line-height:10px; font-size=
:10px;">
            <tbody>
              <tr>
                <td style=3D"padding:0px 0px 10px 0px;" bgcolor=3D"#000000"=
></td>
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  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"f14f1545-9f3f-4b47-bc28-acd435614187.1" data-mc-=
module-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 0px 0px; line-height:40px; text-align:=
inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-conten=
t"><div><h1 style=3D"text-align: inherit; font-family: inherit"><span style=
=3D"color: #ab3b3b">The Challenge:</span></h1>
<div style=3D"font-family: inherit; text-align: inherit"><span style=3D"fon=
t-size: 16px">A </span><span style=3D"font-size: 16px"><strong>self-employe=
d borrower</strong></span><span style=3D"font-size: 16px"> with strong cash=
 flow couldn=E2=80=99t qualify for a conventional loan due to </span><span =
style=3D"font-size: 16px"><strong>inconsistent tax returns</strong></span><=
span style=3D"font-size: 16px">. The deal was about to </span><span style=
=3D"font-size: 16px"><em>fall apart</em></span><span style=3D"font-size: 16=
px">.</span></div><div></div></div></td>
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=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"f14f1545-9f3f-4b47-bc28-acd435614187.1.2" data-m=
c-module-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 0px 0px; line-height:40px; text-align:=
inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-conten=
t"><div><h1 style=3D"text-align: inherit; font-family: inherit">The Solutio=
n:</h1>
<div style=3D"font-family: inherit; text-align: inherit"><span style=3D"fon=
t-size: 16px">Jet Mortgage stepped in with our </span><a href=3D"http://url=
5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgy=
S-2BDoi3995OUDVqcBE5U-2FV79h0Gv-2FyHrSfq90UyQiiRNmkNgR-2Fibu9-2FEtNA-3D-3DY=
pCO_QXnTW6f9jV7ots26-2Fd0iCGLOO4geXRd-2FVUltDSV-2BScF32AU9t2CV3W2vRQxjx-2BD=
3929rZcqYcQzm7EjHZ880vgiKTIDLKU8LNalxl6PO88OaH-2FjOeHqKF7GdhOU-2FRsmLC8Gtcz=
ke2aeOraaY1ATOtyA93giNeL673Orho4CqjZX453mrnU0KladbatiednfwTZ3eAlhimAVA4C8vY=
S-2F84nI2PNukHAuNUAJoitwoxImlQiC2DD1JB2SgD55R0D7Wz-2FNfbRdTYwbB1XeDa4U9bBE4=
axHf5zZRhzCt1UvVe6xaYY3hi8aoHTP2iEQr86-2BZeEILB8ErMhSbI-2FSMVmDX6lyLXBzdcXT=
miXwdzqU6Vm-2FAxU5WAGKE0wG0phyvaJSIsfPbUgoLRGRnPrh6iZYTM7O2kiWieDYj8c7k-2F9=
nM9yCsX6uArOzlN80bsbHJcr7SBUXvGdgAqMSl7XqqWpMGsfsBbZeY2HR-2BeyWGwGwyxNOadHp=
elLAyt3YOn9QcVFGmY37PWUs3dwBky-2Bs2xf1PMw-3D-3D"><span style=3D"font-size: =
16px"><strong>Bank Statement Program</strong></span></a><span style=3D"font=
-size: 16px">, allowing income to be verified through deposits instead of t=
ax documents. Our team helped structure the file, calculate qualifying inco=
me, and guide the broker through the process.</span></div><div></div></div>=
</td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"f14f1545-9f3f-4b47-bc28-acd435614187.1.2.1" data=
-mc-module-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 0px 0px; line-height:40px; text-align:=
inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-conten=
t"><div><h1 style=3D"text-align: inherit; font-family: inherit">The Result<=
/h1>
<div style=3D"font-family: inherit; text-align: inherit"><span style=3D"fon=
t-size: 16px">The loan was </span><span style=3D"font-size: 16px"><strong>a=
pproved </strong></span><span style=3D"font-size: 16px">and </span><span st=
yle=3D"font-size: 16px"><strong>closed on time</strong></span><span style=
=3D"font-size: 16px">. The borrower got their property, and the broker kept=
 a valuable client.<br>
If you=E2=80=99re working with </span><span style=3D"font-size: 16px"><stro=
ng>self-employed borrowers</strong></span><span style=3D"font-size: 16px"> =
or facing tough documentation scenarios, reach out to Jet Mortgage. We=E2=
=80=99re here to help you close more deals with smart, flexible </span><spa=
n style=3D"font-size: 16px"><strong>Non-QM solutions</strong></span><span s=
tyle=3D"font-size: 16px">.</span></div><div></div></div></td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"divider" bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table=
-layout: fixed;" data-muid=3D"3b86d850-acca-4c85-9d57-3f2e20d96a1a">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 0px 0px;" role=3D"module-content" heig=
ht=3D"100%" valign=3D"top" bgcolor=3D"">
          <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"=
center" width=3D"100%" height=3D"10px" style=3D"line-height:10px; font-size=
:10px;">
            <tbody>
              <tr>
                <td style=3D"padding:0px 0px 10px 0px;" bgcolor=3D"#000000"=
></td>
              </tr>
            </tbody>
          </table>
        </td>
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    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"spacer" bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-=
layout: fixed;" data-muid=3D"46f44686-0a51-4a88-9ce2-11e913d6021c">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 30px 0px;" role=3D"module-content" bgc=
olor=3D"">
        </td>
      </tr>
    </tbody>
  </table><table class=3D"module" role=3D"module" data-type=3D"text" border=
=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-la=
yout: fixed;" data-muid=3D"caf1b27d-87a8-49a2-8c9d-6154eb6cfa72" data-mc-mo=
dule-version=3D"2019-10-22">
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        <td style=3D"padding:18px 0px 18px 0px; line-height:40px; text-alig=
n:inherit;" height=3D"100%" valign=3D"top" bgcolor=3D"" role=3D"module-cont=
ent"><div><h1 style=3D"text-align: left">Let's win the next one together</h=
1>
<h1 style=3D"text-align: left">Call your JET AE TODAY</h1><div></div></div>=
</td>
      </tr>
    </tbody>
  </table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
module" data-role=3D"module-button" data-type=3D"button" role=3D"module" st=
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          <td align=3D"left" bgcolor=3D"" class=3D"outer-td" style=3D"paddi=
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lor:inherit;">
                  <a href=3D"http://url5740.jetmortgage.com/ls/click?upn=3D=
u001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqcPa0Tr3oQQG6-2F0UdFu=
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jfhpkoeKJLhB3c8kGKNJ2UZHIFsbzgUUDThMe08hSumkBPbaiLFX6oTcuVli-2BJvlAi3Um9bHD=
68HarLs6-2BhhE50rW1e032xIPgtR-2BwM43tWeonqaWx1Qg-3D-3D" style=3D"background=
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us:6px; border-width:1px; color:#ffffff; display:inline-block; font-size:14=
px; font-weight:normal; letter-spacing:0px; line-height:normal; padding:12p=
x 18px 12px 18px; text-align:center; text-decoration:none; border-style:sol=
id; font-family:arial black, helvetica, sans-serif;" target=3D"_blank">JET =
Products</a>
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  </table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"=
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yle=3D"table-layout:fixed;" width=3D"100%" data-muid=3D"15c4c029-c8da-466b-=
904e-8239e87b8249.1.1">
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=3D"wrapper-mobile" style=3D"text-align:center;">
              <tbody>
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                <td align=3D"center" bgcolor=3D"#e3a506" class=3D"inner-td"=
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lor:inherit;">
                  <a href=3D"http://url5740.jetmortgage.com/ls/click?upn=3D=
u001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqfkyUCrtHmf4U6tcholKD=
T-2F9MYN_QXnTW6f9jV7ots26-2Fd0iCGLOO4geXRd-2FVUltDSV-2BScF32AU9t2CV3W2vRQxj=
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4C8vYS-2F84nI2PNukHAuNUAJoitwoxImlQiC2DD1JB2SgD55R0D7Wz-2FNfbRdTYwbB1XeDa4U=
9bBE4axHf5zZRhzCt1UvVe6xaYY3hi8aoHTP2iEQr86-2BZeEILB8ErMhSbI-2FSMVmDX6lyLXB=
zdcXTmiXwdzqU6Vm-2Fg-2B-2FTYm9iz-2FAbNKBns61qWnQitbA-2B-2FFyGuLGhI-2BEXFqvT=
zBWR8Cwe7rSqtrLOcIpcDBqxAfdonzQAUZexmt3S1-2Fx-2FX3u68c6KzzwGsvr2EDRUDZq2M9E=
If-2FiZfIzOUX9fpNMq7KU0Ep6G0GOnj8nMWK1gZWGqbW46KQC362wB6dA-3D-3D" style=3D"=
background-color:#e3a506; border:1px solid #333333; border-color:#333333; b=
order-radius:6px; border-width:1px; color:#000000; display:inline-block; fo=
nt-size:14px; font-weight:normal; letter-spacing:0px; line-height:normal; p=
adding:12px 18px 12px 18px; text-align:center; text-decoration:none; border=
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lank">SUBMIT LOAN</a>
                </td>
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    </table><table class=3D"module" role=3D"module" data-type=3D"spacer" bo=
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        <td height=3D"100%" valign=3D"top" role=3D"module-content"><div dir=
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lspacing=3D"0" border=3D"0" style=3D"width:100%;font-size:1px"><tbody><tr s=
tyle=3D"font-size:0"><td align=3D"left" style=3D"vertical-align:top"><table=
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p"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"font-si=
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ze:0"><td align=3D"left" style=3D"padding:5px 0 4px;vertical-align:top"><a =
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r=3D"0" style=3D"width:100%;font-size:0"><tbody><tr style=3D"font-size:0"><=
td align=3D"left" style=3D"vertical-align:middle"><table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" style=3D"width:100%;font-size:0"><tbody><tr =
style=3D"font-size:0"><td align=3D"left" style=3D"vertical-align:middle"><t=
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ont-size:0"><tbody><tr style=3D"font-size:16px;color:#040000;font-style:nor=
mal;font-weight:700;white-space:nowrap"><td align=3D"left" style=3D"vertica=
l-align:top;font-family:'Century Gothic'">Loan Solutions<span style=3D"font=
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<td align=3D"left" style=3D"vertical-align:top"><table cellpadding=3D"0" ce=
llspacing=3D"0" border=3D"0" style=3D"font-size:0;color:#8e8e8e;font-style:=
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tical-align:top"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" st=
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l;font-weight:400;white-space:nowrap"><tbody><tr style=3D"font-size:13.33px=
"><td align=3D"left" style=3D"vertical-align:middle;font-family:'Century Go=
thic'"><a href=3D"mailto:jim.mitchell@jetmortgage.com" target=3D"_blank">lo=
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xjx-2BD3929rZcqYcQzm7EjHZ880vgiKTIDLKU8LNalxl6PO88OaH-2FjOeHqKF7GdhOU-2FRsm=
LC8Gtczke2aeOraaY1ATOtyA93giNeL673Orho4CqjZX453mrnU0KladbatiednfwTZ3eAlhimA=
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4U9bBE4axHf5zZRhzCt1UvVe6xaYY3hi8aoHTP2iEQr86-2BZeEILB8ErMhSbI-2FSMVmDX6lyL=
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table></td></tr><tr style=3D"font-size:0"><td align=3D"left" style=3D"verti=
cal-align:top"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" styl=
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g=3D"0" border=3D"0" style=3D"font-size:0;color:#0d0d0d;font-style:normal;f=
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>4&nbsp;Hutton&nbsp;Centre&nbsp;Dr.</td><td align=3D"center" style=3D"verti=
cal-align:middle;font-family:'Century Gothic'">|&nbsp;</td><td align=3D"lef=
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:0"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"white-=
space:nowrap;color:#0d0d0d;font-size:14.67px;font-family:Calibri,Arial,sans=
-serif;font-weight:400;font-style:normal;text-align:left"><tbody><tr style=
=3D"font-size:12px"><td style=3D"font-family:'Century Gothic'">|<br></td></=
tr></tbody></table></td><td align=3D"left" style=3D"vertical-align:top;font=
-size:0"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"f=
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ap"><tbody><tr style=3D"font-size:12px"><td align=3D"left" style=3D"vertica=
l-align:top;font-family:'Century Gothic'">&nbsp;Santa&nbsp;Ana</td><td alig=
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<table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"font-size:=
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y><tr style=3D"font-size:12px"><td align=3D"left" style=3D"padding:0 0 0 5p=
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y></table></td></tr></tbody></table></td></tr><tr style=3D"font-size:0"><td=
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llspacing=3D"0" border=3D"0" style=3D"font-size:0;color:#53565a;font-style:=
normal;font-weight:700;white-space:nowrap"><tbody><tr style=3D"font-size:12=
px"><td align=3D"left" style=3D"padding:4px 0 0;vertical-align:middle;font-=
family:'Century Gothic',sans-serif"><span style=3D"font-family:'Century Got=
hic'"><span style=3D"background-color:transparent"><span style=3D"backgroun=
d-color:#ffffff">NMLS&nbsp;#&nbsp;1165808</span></span><span style=3D"font-=
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nt-weight:400">&nbsp;<wbr></wbr>0006800006&nbsp;|&nbsp;<span style=3D"font-=
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=3D"background-color:#ffffff"><br></span></span></td></tr></tbody></table><=
/td></tr></tbody></table></td></tr><tr style=3D"font-size:0"><td align=3D"l=
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cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"width:100%;font-s=
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l-align:top"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=
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e=3D"vertical-align:middle"><table cellpadding=3D"0" cellspacing=3D"0" bord=
er=3D"0" style=3D"font-size:0;line-height:normal"><tbody><tr style=3D"font-=
size:0"><td align=3D"center" style=3D"padding:4px 3px 3px 0;vertical-align:=
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