Envelope-to: andrew@sterlingcal.com
Delivery-date: Wed, 15 Oct 2025 10:53:36 -0500
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Date: Wed, 15 Oct 2025 15:53:25 +0000 (UTC)
From: Loan Solutions <loansolutions@jetmortgage.com>
Mime-Version: 1.0
Message-ID: <ajOzsYbIT4aVLytF0PU7xw@geopod-ismtpd-4>
Subject: 3 Truths about Non-QM: Safe, Smart, and Competitively Priced
 =?UTF-8?B?8J+SuA==?=
To: Jane Doe <andrew@sterlingcal.com>

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Your Trusted TPO Partners

( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
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i6L8T5y1-2Bc7c0fqKGWhaQAwiXJL8O07gMTktyZDtLM9-2BbpB-2Bhj6ABpnDw-3D-3D )

*******************************
TOP 3 False Rumors about Non-QM
*******************************

JET works with Non-QM loans every day, its our specialty. Here's what we he=
ar all the time about these kind of deals.
---------------------------------------------------------------------------=
------------------------------------------

***********************************
#1: Non-QM are Subprime in Disguise
***********************************

*The Truth:*
Unlike pre-2008, modern Non-QM loans are *fully underwritten,* comply with =
the *Ability to Repay (ATR) rule* , and often favor borrowers with high cre=
dit profiles.
These loans are intended to serve borrowers who don't fall into the ridged =
Qualified Mortgage (QM) box, not people with bad credit.

*************************************
#2: Non-QM is for High Risk Borrowers
*************************************

*The Truth:*
Non-QM Borrowers are often high earning, financially stable professionals. =
Self-employed individuals, real estate investors, retirees, and foreign nat=
ionals are all common Non-QM borrowers. The benefit for these clients are *=
flexible documentation options,* like Bank Statements or P&L, for qualifica=
tion. These are not "last-resort" loans, they're smart options for complex =
financial profiles.

************************************************************
#3: Non-QM is too complicated, expensive and time consuming!
************************************************************

*The Truth:*
Non-QM isn=E2=80=99t the expensive fallback -- it=E2=80=99s often the smart=
er, faster, and more competitive option. With advancements in underwriting =
technology and better processes, Non-QM loans often close just as quickly a=
s conventional loans. If you keep in mind that agency LLPAs (Loan-Level Pri=
cing Adjustments) can add up to 100 bps to conventional rates, Non-QM often=
 makes more financial sense.

JET Products ( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0=
XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqcPa0Tr3oQQG6-2F0UdFuPQG8Y25u_QXnTW=
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FfVFEHpHAHRqq7s-2BucIBpwvd3KGdjATqgPoYsY5Ba59A-3D-3D )

SUBMIT LOAN ( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0X=
Rpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqfkyUCrtHmf4U6tcholKDT-2FblH-_QXnTW6=
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iZcL-2FO9S9EWGP7lE3gYY0Fmq6Whme46yRxv-2Bw-3D-3D )

**********************
Fly higher with Non-QM
**********************

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

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Loan Solutions =E2=80=8B


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Direct=C2=A0Number: 888-238-0789

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or:#000000; text-decoration:none; font-family:Helvetica, arial, sans-serif;=
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-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;">
            <tbody>
              <tr>
                <td style=3D"padding:0px 0px 10px 0px;" bgcolor=3D"#000000"=
></td>
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        </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"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">TOP 3<span style=3D"color: #ab3b=
3b"> </span>False Rumors<span style=3D"color: #ab3b3b"> </span>about<span s=
tyle=3D"color: #ab3b3b"> Non-QM</span></h1>
<h3 style=3D"text-align: inherit"><span style=3D"color: #ab3b3b">JET </span=
>works with Non-QM loans every day, <em>its our specialty</em>. Here's what=
 we hear all the time about these kind of deals.</h3><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"6c5e1096-bf4b-4ca8-8ddf-8691defc60cb">
    <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>
      </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" 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">#1: Non-QM =
are <em>Subprime </em>in Disguise</h1>
<div style=3D"font-family: inherit; text-align: inherit"><span style=3D"fon=
t-size: 24px; color: #2970ff"><strong>The Truth:</strong></span></div>
<div style=3D"font-family: inherit; text-align: inherit"><span style=3D"fon=
t-size: 16px">Unlike pre-2008, modern Non-QM loans are </span><span style=
=3D"font-size: 16px"><strong>fully underwritten,</strong></span><span style=
=3D"font-size: 16px"> comply with the </span><span style=3D"font-size: 16px=
"><strong>Ability to Repay (ATR) rule</strong></span><span style=3D"font-si=
ze: 16px">, and often favor borrowers with high credit profiles.</span></di=
v>
<div style=3D"font-family: inherit; text-align: inherit"><span style=3D"fon=
t-size: 16px">These loans are intended to serve borrowers who don't fall in=
to the ridged Qualified Mortgage (QM) box, not people with bad credit.</spa=
n></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" 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">#2: Non-QM =
is for High Risk Borrowers</h1>
<div style=3D"font-family: inherit; text-align: inherit"><span style=3D"fon=
t-size: 24px; color: #2970ff"><strong>The Truth:</strong></span></div>
<div style=3D"font-family: inherit; text-align: inherit"><span style=3D"fon=
t-size: 16px">Non-QM Borrowers are often high earning, financially stable p=
rofessionals. Self-employed individuals, real estate investors, retirees, a=
nd foreign nationals are all common Non-QM borrowers. The benefit for these=
 clients are </span><span style=3D"font-size: 16px"><strong>flexible docume=
ntation options,</strong></span><span style=3D"font-size: 16px"> like Bank =
Statements or P&amp;L, for qualification. These are not "last-resort" loans=
, they're smart options for complex financial profiles.</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">#3: Non-QM =
is too complicated, expensive and time consuming!</h1>
<div style=3D"font-family: inherit; text-align: inherit"><span style=3D"fon=
t-size: 24px; color: #2970ff"><strong>The Truth:</strong></span></div>
<div style=3D"font-family: inherit; text-align: inherit"><span style=3D"fon=
t-size: 16px">Non-QM isn=E2=80=99t the expensive fallback -- it=E2=80=99s o=
ften the smarter, faster, and more competitive option. With advancements in=
 underwriting technology and better processes, Non-QM loans often close jus=
t as quickly as conventional loans. If you keep in mind that agency LLPAs (=
Loan-Level Pricing Adjustments) can add up to 100 bps to conventional rates=
, Non-QM often makes more financial sense.</span></div><div></div></div></t=
d>
      </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;">
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u001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqcPa0Tr3oQQG6-2F0UdFu=
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ckground-color:#ab3b3b; border:1px solid #333333; border-color:#333333; bor=
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ding:12px 18px 12px 18px; text-align:center; text-decoration:none; border-s=
tyle:solid; font-family:arial black, helvetica, sans-serif;" target=3D"_bla=
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lor:inherit;">
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u001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqfkyUCrtHmf4U6tcholKD=
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M8gsTjTuR64ouiWkc2pg4I52Yh4XhYDFir4U7YGWulsFtTTAb7xf3-2F43DUS1lmA1VcpjrOH1R=
wbAfa-2F-2FCTPBbR92uOmCVjXT1xSkl-2BiE-2B1Fa8Vr8WR5-2F5qpR93cOGiVWfiUkUEdLe5=
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=3D"background-color:#e3a506; border:1px solid #333333; border-color:#33333=
3; border-radius:6px; border-width:1px; color:#000000; display:inline-block=
; font-size:14px; font-weight:normal; letter-spacing:0px; line-height:norma=
l; padding:12px 18px 12px 18px; text-align:center; text-decoration:none; bo=
rder-style:solid; font-family:arial black, helvetica, sans-serif;" target=
=3D"_blank">SUBMIT LOAN</a>
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    </table><table class=3D"module" role=3D"module" data-type=3D"text" bord=
er=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"table-=
layout: fixed;" data-muid=3D"caf1b27d-87a8-49a2-8c9d-6154eb6cfa72" data-mc-=
module-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">Fly higher with Non-QM</h1>
<h1 style=3D"text-align: left">Call your JET AE TODAY</h1><div></div></div>=
</td>
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layout: fixed;" data-muid=3D"73a3b3b9-c7f6-4a56-b33b-4276763cacee.2">
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=3D"width:180px;min-width:180px;max-width:180px;height:30px;min-height:30px=
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data-bit=3D"iit"></td></tr></tbody></tr></tbody></table></td></tr></tbody><=
/table></td></tr></tbody></table></td><td align=3D"left" style=3D"padding:1=
0px 0 10px 10px;vertical-align:middle"><table cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" style=3D"width:100%;font-size:0"><tbody><tr style=3D"fo=
nt-size:0"><td align=3D"left" style=3D"vertical-align:middle"><table cellpa=
dding=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-alig=
n:middle"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"=
width:100%;font-size:0"><tbody><tr style=3D"font-size:16px;color:#040000;fo=
nt-style:normal;font-weight:700;white-space:nowrap"><td align=3D"left" styl=
e=3D"vertical-align:top;font-family:'Century Gothic'">Loan Solutions<span s=
tyle=3D"font-family:remialcxesans;font-size:1px;color:#ffffff;line-height:1=
px">&ZeroWidthSpace;</span><br></td></tr><tr style=3D"font-size:0"><td alig=
n=3D"left" style=3D"vertical-align:top"><table cellpadding=3D"0" cellspacin=
g=3D"0" border=3D"0" style=3D"font-size:0"><tbody><tr style=3D"font-size:0"=
><td align=3D"left" style=3D"vertical-align:top"><table cellpadding=3D"0" c=
ellspacing=3D"0" border=3D"0" style=3D"font-size:0"><tbody><tr style=3D"fon=
t-size:0"><td align=3D"left" style=3D"vertical-align:top"><table cellpaddin=
g=3D"0" cellspacing=3D"0" border=3D"0" style=3D"font-size:0;color:#8e8e8e;f=
ont-style:normal;font-weight:400;white-space:nowrap"><tbody><tr style=3D"fo=
nt-size:12px"><td align=3D"left" style=3D"padding:2px 0 0;vertical-align:to=
p;font-family:'Century Gothic'"></td></tr></tbody></table></td><td align=3D=
"left" style=3D"vertical-align:top"><table cellpadding=3D"0" cellspacing=3D=
"0" border=3D"0" style=3D"font-size:0;color:#8e8e8e;font-style:normal;font-=
weight:700;white-space:nowrap"><tbody><tr style=3D"font-size:12px"><td alig=
n=3D"left" style=3D"padding:1px 0 0;vertical-align:top;font-family:'Century=
 Gothic'">&nbsp;|&nbsp;</td></tr></tbody></table></td><td align=3D"left" st=
yle=3D"vertical-align:top"><table cellpadding=3D"0" cellspacing=3D"0" borde=
r=3D"0" style=3D"font-size:0;color:#808080;font-style:normal;font-weight:40=
0;white-space:nowrap"><tbody><tr style=3D"font-size:13px"><td align=3D"left=
" style=3D"padding:1px 0 0;vertical-align:top;font-family:'Century Gothic'"=
>Jet&nbsp;Mortgage</td></tr></tbody></table></td></tr></tbody></table></td>=
</tr></tbody></table></td></tr><tr style=3D"font-size:0"><td align=3D"left"=
 style=3D"vertical-align:top"><table cellpadding=3D"0" cellspacing=3D"0" bo=
rder=3D"0" style=3D"font-size:0;color:#808080;font-style:normal;font-weight=
:400;white-space:nowrap"><tbody><tr style=3D"font-size:14.67px"><td align=
=3D"left" style=3D"vertical-align:top;font-family:Calibri,Arial,sans-serif"=
>Direct&nbsp;Number:&nbsp;<a href=3D"888-238-0789" id=3D"m_3067328522747523=
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ize:0"><td align=3D"left" style=3D"vertical-align:top"><table cellpadding=
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nt-style:normal;font-weight:400;white-space:nowrap"><tbody><tr style=3D"fon=
t-size:13.33px"><td align=3D"left" style=3D"vertical-align:middle;font-fami=
ly:'Century Gothic'"><a href=3D"mailto:jim.mitchell@jetmortgage.com" target=
=3D"_blank">loansolutions@jetmortgage.com</a><br></td><td align=3D"center" =
style=3D"vertical-align:middle;font-family:'Century Gothic'">&nbsp;|&nbsp;<=
/td><td align=3D"left" style=3D"vertical-align:middle;font-size:14.67px;fon=
t-family:Calibri,Arial,sans-serif"><a href=3D"http://url5740.jetmortgage.co=
m/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqe56=
jUAPUR1oQDuOSkXSRHPR7nb_QXnTW6f9jV7ots26-2Fd0iCGLOO4geXRd-2FVUltDSV-2BScF32=
AU9t2CV3W2vRQxjx-2BD3929rZcqYcQzm7EjHZ880vpYbpvQF1QT19xF6AchiRH4YFyPQylVFwQ=
2emvuezIyoTamj0P2eybAO-2FEHth6-2BS3vl9BPlGX6IykxqQkrP7hADtlhehY4x4UBtiLbpXi=
5RLuXcB9hHCqPkhG2FrUb-2BT3U5bnJNPkphAOKzGWbI-2FTjqQzKSz-2FIEw0CWC9sSgvGz-2B=
fviG7baDiCkMkVPr-2FRzYvw6wdj6XrDCCHijqiI6-2BGzaq-2Bi-2FzLTAvwNo187fa3oVhbDO=
rqJIuuGpwT0wpxAM8gsTjTuR64ouiWkc2pg4I52a3NDUsaRGsevq6g144aTG3-2B8pcN1Ls7fX3=
cKfc1u-2FMJGnnM8rYgCoSnXqF-2B7uSB7Yds1oD9ccBsWFotLQ6zzqzzHu-2B-2BADlN9rvw7e=
jDo-2FuluoaIQPnOTd5t5fpoVbUf-2FLLm4ukzjm8MkYGcdcNvQ7QnMaLcHTEPG6mvlDNARhs2Q=
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<br></td></tr></tbody></table></td></tr><tr style=3D"font-size:0"><td align=
=3D"left" style=3D"vertical-align:top"><table cellpadding=3D"0" cellspacing=
=3D"0" border=3D"0" style=3D"font-size:0"><tbody><tr style=3D"font-size:0">=
<td align=3D"left" style=3D"padding:2px 0 0;vertical-align:top"><table cell=
padding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"font-size:0;color:#0d=
0d0d;font-style:normal;font-weight:400;white-space:nowrap"><tbody><tr style=
=3D"font-size:12px"><td align=3D"left" style=3D"vertical-align:middle;font-=
family:'Century Gothic'">4&nbsp;Hutton&nbsp;Centre&nbsp;Dr.</td><td align=
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nbsp;</td><td align=3D"left" style=3D"vertical-align:middle;font-family:'Ce=
ntury Gothic'">Suite&nbsp;520&nbsp;</td><td align=3D"center" style=3D"verti=
cal-align:middle;font-size:0"><table cellpadding=3D"0" cellspacing=3D"0" bo=
rder=3D"0" style=3D"white-space:nowrap;color:#0d0d0d;font-size:14.67px;font=
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gn:left"><tbody><tr style=3D"font-size:12px"><td style=3D"font-family:'Cent=
ury 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"font-size:0;color:#0d0d0d;font-style:normal;font-=
weight:400;white-space:nowrap"><tbody><tr style=3D"font-size:12px"><td alig=
n=3D"left" style=3D"vertical-align:top;font-family:'Century Gothic'">&nbsp;=
Santa&nbsp;Ana</td><td align=3D"left" style=3D"vertical-align:top;font-fami=
ly:'Century Gothic'">,&nbsp;</td><td align=3D"left" style=3D"vertical-align=
:top;font-family:'Century Gothic'">CA</td><td align=3D"left" style=3D"verti=
cal-align:top;font-size:0"><table cellpadding=3D"0" cellspacing=3D"0" borde=
r=3D"0" style=3D"font-size:0;color:#0d0d0d;font-style:normal;font-weight:40=
0;white-space:nowrap"><tbody><tr style=3D"font-size:12px"><td align=3D"left=
" style=3D"padding:0 0 0 5px;vertical-align:top;font-family:'Century Gothic=
'">92707</td></tr></tbody></table></td></tr></tbody></table></td></tr></tbo=
dy></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><t=
r 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"font-size:=
0;color:#53565a;font-style:normal;font-weight:700;white-space:nowrap"><tbod=
y><tr style=3D"font-size:12px"><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 Gothic'"><span style=3D"background-color:transpare=
nt"><span style=3D"background-color:#ffffff">NMLS&nbsp;#&nbsp;1165808</span=
></span><span style=3D"font-weight:400">&nbsp;|</span></span>&nbsp;FHA&nbsp=
;ID&nbsp;#:<span style=3D"font-weight:400">&nbsp;<wbr></wbr>0006800006&nbsp=
;|&nbsp;<span style=3D"font-weight:700">VA&nbsp;ID&nbsp;#:</span>&nbsp;<wbr=
></wbr>9080910000<span style=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"left" style=3D"vertical-align:top"><table cellpa=
dding=3D"0" cellspacing=3D"0" border=3D"0" style=3D"font-size:0"><tbody><tr=
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-align:top"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=
=3D"font-size:0"><tbody><tr style=3D"font-size:0"><td align=3D"left" style=
=3D"vertical-align:top"><table cellpadding=3D"0" cellspacing=3D"0" border=
=3D"0" style=3D"width:100%;font-size:0"><tbody><tr style=3D"font-size:0"><t=
d align=3D"left" style=3D"vertical-align:top"><table cellpadding=3D"0" cell=
spacing=3D"0" border=3D"0" style=3D"font-size:0"><tbody><tr style=3D"font-s=
ize:0"><td align=3D"center" style=3D"vertical-align:middle"><table cellpadd=
ing=3D"0" cellspacing=3D"0" border=3D"0" style=3D"font-size:0;line-height:n=
ormal"><tbody><tr style=3D"font-size:0"><td align=3D"center" style=3D"paddi=
ng:4px 3px 3px 0;vertical-align:middle"><a href=3D"http://url5740.jetmortga=
ge.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRieu51ybD7PdL0jV5yr2wxPbjJwd=
FX5tDZUZ3OZIrIpwDjcdCtxQpZydFJLOWEza2qk97Q-3D-3DQ4uE_QXnTW6f9jV7ots26-2Fd0i=
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cing=3D"0" border=3D"0" style=3D"font-size:0;line-height:normal"><tbody><tr=
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rtical-align:top"><a href=3D"http://url5740.jetmortgage.com/ls/click?upn=3D=
u001.U-2BwDwo0XRpbx8kQ-2BRieu5z5Bbr-2BegEejVG5J8fqZvVS75wPiCHOGqfPm-2F9-2Bc=
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=3D"http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2B=
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Fd0iCGLOO4geXRd-2FVUltDSV-2BScF32AU9t2CV3W2vRQxjx-2BD3929rZcqYcQzm7EjHZ880v=
pYbpvQF1QT19xF6AchiRH4YFyPQylVFwQ2emvuezIyoTamj0P2eybAO-2FEHth6-2BS3vl9BPlG=
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bI-2FTjqQzKSz-2FIEw0CWC9sSgvGz-2BfviG7baDiCkMkVPr-2FRzYvw6wdj6XrDCCHijqiI6-=
2BGzaq-2Bi-2FzLTAvwNo187fa3oVhbDOrqJIuuGpwT0wpxAM8gsTjTuR64ouiWkc2pg4I52bH2=
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https://www.google.com/url?q=3Dhttps://www.twitter.com/&amp;source=3Dgmail&=
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=3D"Twitter" alt=3D"Twitter" style=3D"width:20px;min-width:20px;max-width:2=
0px;font-size:12px" data-image-whitelisted=3D"" class=3D"CToWUd" data-bit=
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</tbody></table></td></tr><tr style=3D"font-size:0"><td align=3D"left" styl=
e=3D"vertical-align:top"><table cellpadding=3D"0" cellspacing=3D"0" border=
=3D"0" style=3D"font-size:0;line-height:normal"><tbody><tr style=3D"font-si=
ze:0"><td align=3D"left" style=3D"padding:4px 0 0;vertical-align:top"><img =
src=3D"http://cdn.mcauto-images-production.sendgrid.net/5be95bdc440e8f85/fb=
12dbbd-6a17-45ce-87fa-c87fbc5b7a78/164x180.jpg" width=3D"35" border=3D"0" a=
lt=3D"" style=3D"width:35px;min-width:35px;max-width:35px;font-size:0" data=
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ody></table></td></tr></tbody></table></td></tr></tbody></table></td></tr><=
/tbody></table></td></tr></tbody></table></td></tr><tr style=3D"font-size:0=
"><td align=3D"left" style=3D"vertical-align:top"><table cellpadding=3D"0" =
cellspacing=3D"0" border=3D"0" style=3D"white-space:nowrap;color:#c0c0c0;fo=
nt-size:14.67px;font-family:Calibri,Arial,sans-serif;font-weight:400;font-s=
tyle:normal;text-align:left;line-height:16px"><tbody><tr style=3D"font-size=
:11px"><td style=3D"font-family:'Century Gothic',sans-serif"><span style=3D=
"font-family:'Century Gothic'">Jet&nbsp;Mortgage&nbsp;is&nbsp;a&nbsp;DBA&nb=
sp;of&nbsp;Home&nbsp;<wbr></wbr>Mortgage&nbsp;Alliance&nbsp;Corporation&nbs=
p;<wbr></wbr>(HMAC)<br>HMAC&nbsp;is&nbsp;an&nbsp;Equal&nbsp;Housing&nbsp;<w=
br></wbr>Lender<br></span><span style=3D"background-color:#ffffff"><span st=
yle=3D"font-family:Arial,sans-serif"></span>MORTGAGEE&nbsp;CLAUSE/LOSS&nbsp=
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e&nbsp;Corp&nbsp;(<wbr></wbr>HMAC)&nbsp;Its&nbsp;Successors&nbsp;and/or&nbs=
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br></wbr>Office&nbsp;Suite&nbsp;#500&nbsp;|&nbsp;City&nbsp;of&nbsp;<wbr></w=
br>Santa&nbsp;Ana,&nbsp;California&nbsp;92707</span></td></tr></tbody></tab=
le></td></tr><tr style=3D"font-size:0"><td align=3D"left" style=3D"vertical=
-align:top"><table cellpadding=3D"0" cellspacing=3D"0" border=3D"0" style=
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