Envelope-to: andrew@sterlingcal.com
Delivery-date: Thu, 30 Oct 2025 10:54:33 -0500
Content-Type: multipart/alternative; boundary=4cc12b9fa842e24808e708ea0f768d4a0648b9de0ecef45f604e44272c91
Date: Thu, 30 Oct 2025 15:54:22 +0000 (UTC)
From: Loan Solutions <loansolutions@jetmortgage.com>
Mime-Version: 1.0
Message-ID: <O4fxxTvYTgWo_ESQB-rUYQ@geopod-ismtpd-11>
Subject: JET's All Programs Overview =?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=
eu5-2FFKRUgyS-2BDoi3995OUDVqe56jUAPUR1oQDuOSkXSRHPepMf_QXnTW6f9jV7ots26-2Fd=
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JPQT9RIndht9QyF7aC0Ss8VmBtXHlaLRsVXXqey9r4U6uLoBjYfV7vnyakKT1JXZPVTOMustZv-=
2FGF-2Fi7Y7L-2F4A-2BIzOhv53MxPY9cvrCw-2FEHtoDo-3D )

( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
eu5-2FFKRUgyS-2BDoi3995OUDVqfyyILJa9qt-2BNLlUBVo6WtHXteWK2T34DdOgHXABfdZgA-=
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csg62UlPZ9Nh2Txj5sgca-2B8BnGPdE4LD91ot24FbUV3rAlUNKuzRPcEIKbLqn7YZXuw0MHI1I=
aLXAiRN1dEIiQS6s2IB04eqmj5gij7GuBdtofqoWdwgzkG99UFV-2FeAAKKgTbI3Jfm4-3D )

********************************
Diverse Products -- FAST Service
********************************

( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0XRpbx8kQ-2BRi=
eu5-2FFKRUgyS-2BDoi3995OUDVqe56jUAPUR1oQDuOSkXSRHPD0Hi_QXnTW6f9jV7ots26-2Fd=
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YR4SKltXKXQlzLtz3zngG-2Blea2yl8yv5HBuaI3kJFOu5el-2FA-2F7I9nqFPetFABtEw4qT-2=
FSiBK80bGJ7g8TpOWZtMChKQWLtEWK-2FAAdZTz4KHHIqsPY-3D )

**********************************
JET's Comprehensive Loan Programs:
**********************************

******************************************
Non-QM: Industry Leading Pricing & Options
******************************************

* Bank Statement Programs: Ideal for self-employed borrowers!
* Expanded DTI and Credit Flexibility: Allowing for higher ratios, easier q=
ualifications, and alternative documentation!
* Interest-Only Options: Great for investors, self-employed, prioritizing p=
roperty cash flow.
* Asset Depletion: For investors and individuals with high but irregular in=
come, convert assets into qualifying income.
* DSCR: Available for investor business purpose, qualify using property cas=
h flow. Min DSCR 1.0
* P&L Only: Ideal for self-employed borrowers who may not have traditional =
income documentation like tax returns or W-2s.
* 1099 Only: Designed for independent contractors or gig workers who receiv=
e income via 1099s rather than W-2s.

JET Products ( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0=
XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqcPa0Tr3oQQG6-2F0UdFuPQG87A1G_QXnTW=
6f9jV7ots26-2Fd0iCGLOO4geXRd-2FVUltDSV-2BScF32AU9t2CV3W2vRQxjx-2BD3929rZcqY=
cQzm7EjHZ880vtgxKU-2B1jyB58KkWemVRjhT0aTFty2Sue7P4N74Ivydjfa4s2Dj7Ms2JFim3M=
ZHUygaD9Ejilt544duMRMHTbgzbwwisOvQyJinepvDlwhtc9orCqKHPNE7sbp230ZygkZ98Fg5P=
qxVNzJDcUfVDsjPM8J4j-2FyxhRlhpaUjJjGBMzklUGi4iPHV1u2-2BLAAPuWfHd8jfMTn2F3w9=
SCdU6CFzDpqSnjh56H8VmpRnGc6lCoC1s27ry-2Fkwo1ZWAtu-2FdIMVlmLltZFb7EyvY27wC-2=
FjTDsYKNthQSfW7e8ofpbO5hqEV6d1M9CT-2BnwHM0eT5l0J-2FShXHEM3itH6dun7thbcYIfDp=
zOKwFrUubS4k6BKtCII1v43XvfqEgsevcUsiZwLVh4Jn3psS-2FCaEVqxuViiJ4EfycjAAk99of=
z24t5-2BJZTrhjdvkzitxzXerzWMuaemf-2BRVzjJZ6nkFW65utE7Bg-3D )

SUBMIT LOAN ( http://url5740.jetmortgage.com/ls/click?upn=3Du001.U-2BwDwo0X=
Rpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqfkyUCrtHmf4U6tcholKDT-2F3nnk_QXnTW6=
f9jV7ots26-2Fd0iCGLOO4geXRd-2FVUltDSV-2BScF32AU9t2CV3W2vRQxjx-2BD3929rZcqYc=
Qzm7EjHZ880vtgxKU-2B1jyB58KkWemVRjhT0aTFty2Sue7P4N74Ivydjfa4s2Dj7Ms2JFim3MZ=
HUygaD9Ejilt544duMRMHTbgzbwwisOvQyJinepvDlwhtc9orCqKHPNE7sbp230ZygkZ98Fg5Pq=
xVNzJDcUfVDsjPM8J4j-2FyxhRlhpaUjJjGBMzklUGi4iPHV1u2-2BLAAPuWfHd8jfMTn2F3w9S=
CdU6CFzDpqSnjh56H8VmpRnGc6lCoC1s27ry-2Fkwo1ZWAtu-2FdIMVlmLltZFb7EyvY27wC-2F=
jTDsYKNthQSfW7e8ofpbO5hahBexwLI9cbmfEYWKOQlIq5G28LxdgModyovIb9TQy-2Bc9ehAPr=
QKzjd89IWKtgwPPUZC11MMDal45heyLDEh6a85SMxuYYXQPk85yc4qD3GV4utYGbEDV51FgfKUI=
uwJS61PHrY8ZxpnTHvYHqlABpOfZtJx9OH-2BeSEqEzkuqQU-3D )

******************
Conventional Loans
******************

* High LTV Options: Up to 97% LTV for qualified borrowers
* Flexible credit requirements: Min. FICO=E2=80=99s vary by product, with a=
 minimum of 620
* Community Second OK: Up to 105% CLTV in specific cases
* Multiple Occupancy Types: Owner-occupied, second homes, investment proper=
ties supported!

*********
FHA Loans
*********

* Low Down Payment: As low as 3.5%!
* Lenient Credit Standards: Minimum FICO starting at 580
* Higher DTI Tolerance: More flexibility with dept-to-income ratios.
* Manual Underwriting Available: For borrowers who don=E2=80=99t qualify th=
rough automated systems.

********
VA Loans
********

* Zero Down Payment: Zero down payment options!
* No PMI: No private mortgage insurance needed!
* Competitive Rates: Lower than conventional loans
* Flexible Guidelines: Lower min credit scores and higher DTI ratios.

*************************
Your Trusted TPO Partners
*************************

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

( 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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o-3D )

Loan Solutions =E2=80=8B


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Direct=C2=A0Number: 888-238-0789

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92707

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nt"><div><h1 style=3D"text-align: inherit"><span style=3D"font-size: 36px">=
<em>Diverse Products -- </em></span><span style=3D"font-size: 36px; color: =
#ab3b3b"><em>FAST Service</em></span></h1><div></div></div></td>
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         =20
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oration:none; font-family:Helvetica, arial, sans-serif; font-size:16px; max=
-width:100% !important; width:100%; height:auto !important;" width=3D"600" =
alt=3D"" data-proportionally-constrained=3D"true" data-responsive=3D"true" =
src=3D"http://cdn.mcauto-images-production.sendgrid.net/5be95bdc440e8f85/53=
fb79f1-9eb3-4020-ab6f-e24e1996e4af/1080x1080.png"></a></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">
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        <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"><span style=3D"color: #ab3b3b">J=
ET's</span> Comprehensive Loan Programs:</h1><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" data-mc-mo=
dule-version=3D"2019-10-22">
    <tbody>
      <tr>
        <td style=3D"padding:18px 0px 18px 0px; line-height:40px; text-alig=
n:inherit; background-color:#fae4ad;" height=3D"100%" valign=3D"top" bgcolo=
r=3D"#fae4ad" role=3D"module-content"><div><h1 style=3D"text-align: inherit=
; font-family: inherit"><span style=3D"font-size: 24px">Non-QM: Industry Le=
ading Pricing &amp; Options</span></h1>
<ul>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">Bank Statement Programs: </span><span style=3D"color: #000000=
; font-weight: 400; font-style: normal; font-kerning: none; ---ys--xu-q: no=
ne; font-size: 18px">Ideal for self-employed borrowers!</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">Expanded DTI and Credit Flexibility: </span><span style=3D"co=
lor: #000000; font-weight: 400; font-style: normal; font-kerning: none; ---=
ys--xu-q: none; font-size: 18px">Allowing for higher ratios, easier qualifi=
cations, and alternative documentation!</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">Interest-Only Options:</span><span style=3D"color: #000000; f=
ont-weight: 400; font-style: normal; font-kerning: none; ---ys--xu-q: none;=
 font-size: 18px"> Great for investors, self-employed, prioritizing propert=
y cash flow.</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">Asset Depletion:</span><span style=3D"color: #000000; font-we=
ight: 400; font-style: normal; font-kerning: none; ---ys--xu-q: none; font-=
size: 18px"> For investors and individuals with high but irregular income, =
convert assets into qualifying income.</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">DSCR: </span><span style=3D"color: #000000; font-weight: 400;=
 font-style: normal; font-kerning: none; ---ys--xu-q: none; font-size: 18px=
">Available for investor business purpose, qualify using property cash flow=
. Min DSCR 1.0</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">P&amp;L Only:</span><span style=3D"color: #000000; font-weigh=
t: 400; font-style: normal; font-kerning: none; ---ys--xu-q: none; font-siz=
e: 18px"> Ideal for self-employed borrowers who may not have traditional in=
come documentation like tax returns or W-2s.</span></li>
  <li style=3D"text-align: inherit; font-size: 18px; font-size: 18px"><span=
 style=3D"color: #000000; font-weight: 700; font-style: normal; font-kernin=
g: none; ---ys--xu-q: none; font-size: 18px">1099 Only:</span><span style=
=3D"color: #000000; font-weight: 400; font-style: normal; font-kerning: non=
e; ---ys--xu-q: none; font-size: 18px"> Designed for independent contractor=
s or gig workers who receive income via 1099s rather than W-2s.</span><span=
 style=3D"font-size: 18px">&nbsp;</span></li>
</ul><div></div></div></td>
      </tr>
    </tbody>
  </table><table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" align=3D"=
center" width=3D"100%" role=3D"module" data-type=3D"columns" style=3D"paddi=
ng:18px 0px 0px 0px;" bgcolor=3D"#FFFFFF" data-distribution=3D"1">
    <tbody>
      <tr role=3D"module-content">
        <td height=3D"100%" valign=3D"top"><table width=3D"580" style=3D"wi=
dth:580px; border-spacing:0; border-collapse:collapse; margin:0px 10px 0px =
10px;" cellpadding=3D"0" cellspacing=3D"0" align=3D"left" border=3D"0" bgco=
lor=3D"" class=3D"column column-0">
      <tbody>
        <tr>
          <td style=3D"padding:0px;margin:0px;border-spacing:0;"><table bor=
der=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=3D"module" data-role=3D=
"module-button" data-type=3D"button" role=3D"module" style=3D"table-layout:=
fixed;" width=3D"100%" data-muid=3D"15c4c029-c8da-466b-904e-8239e87b8249">
      <tbody>
        <tr>
          <td align=3D"center" bgcolor=3D"" class=3D"outer-td" style=3D"pad=
ding:0px 0px 0px 0px;">
            <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"wrapper-mobile" style=3D"text-align:center;">
              <tbody>
                <tr>
                <td align=3D"center" bgcolor=3D"#ab3b3b" class=3D"inner-td"=
 style=3D"border-radius:6px; font-size:16px; text-align:center; background-=
color:inherit;">
                  <a href=3D"http://url5740.jetmortgage.com/ls/click?upn=3D=
u001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqcPa0Tr3oQQG6-2F0UdFu=
PQG8zwJq_QXnTW6f9jV7ots26-2Fd0iCGLOO4geXRd-2FVUltDSV-2BScF32AU9t2CV3W2vRQxj=
x-2BD3929rZcqYcQzm7EjHZ880vtgxKU-2B1jyB58KkWemVRjhT0aTFty2Sue7P4N74Ivydjfa4=
s2Dj7Ms2JFim3MZHUygaD9Ejilt544duMRMHTbgzbwwisOvQyJinepvDlwhtc9orCqKHPNE7sbp=
230ZygkZ98Fg5PqxVNzJDcUfVDsjPM8J4j-2FyxhRlhpaUjJjGBMzklUGi4iPHV1u2-2BLAAPuW=
fHd8jfMTn2F3w9SCdU6CFzDpqSnjh56H8VmpRnGc6lCoC1s27ry-2Fkwo1ZWAtu-2FdIMVlmLlt=
ZFb7EyvY27wC-2FjTDsYKNthQSfW7e8ofpbO5h4b-2FjP4dy84RYnRJU-2FA59QvvrJfuJaj2o0=
WbmhBmWBpsaor12zLk2lBGu2W55UOjwCnG8L5gNzQXT0yW7xtCYJGRG5jNtInHkO-2FJY3mXGFj=
qMloEl8nV1xVkgGyEmmnMvZXE-2BYBQ8lCqn-2Fr9jOWgvv3FLGXxgljsuikoMdMBWr2U-3D" s=
tyle=3D"background-color:#ab3b3b; border:1px solid #333333; border-color:#3=
33333; border-radius:6px; border-width:1px; color:#ffffff; display:inline-b=
lock; font-size:14px; font-weight:normal; letter-spacing:0px; line-height:n=
ormal; padding:12px 18px 12px 18px; text-align:center; text-decoration:none=
; border-style:solid; font-family:arial black, helvetica, sans-serif;" targ=
et=3D"_blank">JET Products</a>
                </td>
                </tr>
              </tbody>
            </table>
          </td>
        </tr>
      </tbody>
    </table></td>
        </tr>
      </tbody>
    </table></td>
      </tr>
    </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"d4b417d1-30a3-43ad-b7e9-f9aba06af28a">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 30px 0px;" role=3D"module-content" bgc=
olor=3D"">
        </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=
yle=3D"table-layout:fixed;" width=3D"100%" data-muid=3D"15c4c029-c8da-466b-=
904e-8239e87b8249.1.1">
      <tbody>
        <tr>
          <td align=3D"center" bgcolor=3D"" class=3D"outer-td" style=3D"pad=
ding:0px 0px 0px 0px;">
            <table border=3D"0" cellpadding=3D"0" cellspacing=3D"0" class=
=3D"wrapper-mobile" style=3D"text-align:center;">
              <tbody>
                <tr>
                <td align=3D"center" bgcolor=3D"#e3a506" class=3D"inner-td"=
 style=3D"border-radius:6px; font-size:16px; text-align:center; background-=
color:inherit;">
                  <a href=3D"http://url5740.jetmortgage.com/ls/click?upn=3D=
u001.U-2BwDwo0XRpbx8kQ-2BRieu5-2FFKRUgyS-2BDoi3995OUDVqfkyUCrtHmf4U6tcholKD=
T-2Fz-j9_QXnTW6f9jV7ots26-2Fd0iCGLOO4geXRd-2FVUltDSV-2BScF32AU9t2CV3W2vRQxj=
x-2BD3929rZcqYcQzm7EjHZ880vtgxKU-2B1jyB58KkWemVRjhT0aTFty2Sue7P4N74Ivydjfa4=
s2Dj7Ms2JFim3MZHUygaD9Ejilt544duMRMHTbgzbwwisOvQyJinepvDlwhtc9orCqKHPNE7sbp=
230ZygkZ98Fg5PqxVNzJDcUfVDsjPM8J4j-2FyxhRlhpaUjJjGBMzklUGi4iPHV1u2-2BLAAPuW=
fHd8jfMTn2F3w9SCdU6CFzDpqSnjh56H8VmpRnGc6lCoC1s27ry-2Fkwo1ZWAtu-2FdIMVlmLlt=
ZFb7EyvY27wC-2FjTDsYKNthQSfW7e8ofpbO5hxvcuLSQ9ZSov7t1qeXLY4dcI6JO6UBKE9s3f-=
2FLWv00TxbQL1P5pQiaC7H9q-2FSHS4jnGcVIUXMG0mBc5fpR32xaCrL2-2FnJnW4qjfGlCegk9=
PtJBA0kQ-2FiMaIA5mjiSmwCkH1xC0tnpdPY7l-2FMUDrW-2BNr5wNSvUdRQIjGLpnR9BYQ-3D"=
 style=3D"background-color:#e3a506; border:1px solid #333333; border-color:=
#333333; border-radius:6px; border-width:1px; color:#000000; display:inline=
-block; font-size:14px; font-weight:normal; letter-spacing:0px; line-height=
:normal; padding:12px 18px 12px 18px; text-align:center; text-decoration:no=
ne; border-style:solid; font-family:arial black, helvetica, sans-serif;" ta=
rget=3D"_blank">SUBMIT LOAN</a>
                </td>
                </tr>
              </tbody>
            </table>
          </td>
        </tr>
      </tbody>
    </table><table class=3D"module" role=3D"module" data-type=3D"divider" b=
order=3D"0" cellpadding=3D"0" cellspacing=3D"0" width=3D"100%" style=3D"tab=
le-layout: fixed;" data-muid=3D"83177cb3-047d-4d00-8c2a-01575f036e71">
    <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">Conventiona=
l Loans</h1>
<ul>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">High LTV Options:</span><span style=3D"color: #000000; font-w=
eight: 400; font-style: normal; font-kerning: none; ---ys--xu-q: none; font=
-size: 18px"> Up to 97% LTV for qualified borrowers</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">Flexible credit requirements:</span><span style=3D"color: #00=
0000; font-weight: 400; font-style: normal; font-kerning: none; ---ys--xu-q=
: none; font-size: 18px"> Min. FICO=E2=80=99s vary by product, with a minim=
um of 620</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: normal; ---ys--xu-q: none; f=
ont-size: 18px">Community Second OK:</span><span style=3D"color: #000000; f=
ont-weight: 400; font-style: normal; font-kerning: normal; ---ys--xu-q: non=
e; font-size: 18px"> Up to 105% CLTV in specific cases</span></li>
  <li style=3D"text-align: inherit; font-size: 18px; font-size: 18px"><span=
 style=3D"color: #000000; font-weight: 700; font-style: normal; font-kernin=
g: normal; ---ys--xu-q: none; font-size: 18px">Multiple Occupancy Types:</s=
pan><span style=3D"color: #000000; font-weight: 400; font-style: normal; fo=
nt-kerning: normal; ---ys--xu-q: none; font-size: 18px"> Owner-occupied, se=
cond homes, investment properties supported!</span><span style=3D"font-size=
: 18px">&nbsp;</span></li>
</ul><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-acd435614187.1.1" 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">FHA Loans</=
h1>
<ul>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">Low Down Payment: </span><span style=3D"color: #000000; font-=
weight: 400; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">As low as 3.5%!</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">Lenient Credit Standards: </span><span style=3D"color: #00000=
0; font-weight: 400; font-style: normal; font-kerning: none; ---ys--xu-q: n=
one; font-size: 18px">Minimum FICO starting at 580</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">Higher DTI Tolerance:</span><span style=3D"color: #000000; fo=
nt-weight: 400; font-style: normal; font-kerning: none; ---ys--xu-q: none; =
font-size: 18px"> More flexibility with dept-to-income ratios.</span></li>
  <li style=3D"text-align: inherit; font-size: 18px; font-size: 18px"><span=
 style=3D"color: #000000; font-weight: 700; font-style: normal; font-kernin=
g: none; ---ys--xu-q: none; font-size: 18px">Manual Underwriting Available:=
</span><span style=3D"color: #000000; font-weight: 400; font-style: normal;=
 font-kerning: none; ---ys--xu-q: none; font-size: 18px"> For borrowers who=
 don=E2=80=99t qualify through automated systems.</span><span style=3D"font=
-size: 18px">&nbsp;</span></li>
</ul><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-acd435614187.1.1.1" 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">VA Loans</h=
1>
<ul>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">Zero Down Payment: </span><span style=3D"color: #000000; font=
-weight: 400; font-style: normal; font-kerning: none; ---ys--xu-q: none; fo=
nt-size: 18px">Zero down payment options!</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">No PMI: </span><span style=3D"color: #000000; font-weight: 40=
0; font-style: normal; font-kerning: none; ---ys--xu-q: none; font-size: 18=
px">No private mortgage insurance needed!</span></li>
  <li color=3D"rgb(0, 0, 0)" style=3D"text-align: inherit; color: rgb(0, 0,=
 0); font-size: 18px; font-size: 18px"><span style=3D"color: #000000; font-=
weight: 700; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px">Competitive Rates:</span><span style=3D"color: #000000; font-=
weight: 400; font-style: normal; font-kerning: none; ---ys--xu-q: none; fon=
t-size: 18px"> Lower than conventional loans</span></li>
  <li style=3D"text-align: inherit; font-size: 18px; font-size: 18px"><span=
 style=3D"color: #000000; font-weight: 700; font-style: normal; font-kernin=
g: none; ---ys--xu-q: none; font-size: 18px">Flexible Guidelines:</span><sp=
an style=3D"color: #000000; font-weight: 400; font-style: normal; font-kern=
ing: none; ---ys--xu-q: none; font-size: 18px"> &nbsp;Lower min credit scor=
es and higher DTI ratios.</span><span style=3D"font-size: 18px">&nbsp;</spa=
n></li>
</ul><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"83177cb3-047d-4d00-8c2a-01575f036e71.2">
    <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"caf1b27d-87a8-49a2-8c9d-6154eb6cfa72" data-mc-mo=
dule-version=3D"2019-10-22">
    <tbody>
      <tr>
        <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: center">Your Trusted TPO Partners</h1>
<h1 style=3D"text-align: center">Call your JET AE TODAY</h1><div></div></di=
v></td>
      </tr>
    </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"73a3b3b9-c7f6-4a56-b33b-4276763cacee">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 10px 0px;" role=3D"module-content" bgc=
olor=3D"">
        </td>
      </tr>
    </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"73a3b3b9-c7f6-4a56-b33b-4276763cacee.2">
    <tbody>
      <tr>
        <td style=3D"padding:0px 0px 10px 0px;" role=3D"module-content" bgc=
olor=3D"">
        </td>
      </tr>
    </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-=
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style:normal;text-align:left;line-height:16px"><tbody><tr style=3D"font-siz=
e: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=
&nbsp;of&nbsp;Home&nbsp;<wbr></wbr>Mortgage&nbsp;Alliance&nbsp;Corporation&=
nbsp;<wbr></wbr>(HMAC)<br>HMAC&nbsp;is&nbsp;an&nbsp;Equal&nbsp;Housing&nbsp=
;<wbr></wbr>Lender<br></span><span style=3D"background-color:#ffffff"><span=
 style=3D"font-family:Arial,sans-serif"></span>MORTGAGEE&nbsp;CLAUSE/LOSS&n=
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ance&nbsp;Corp&nbsp;(<wbr></wbr>HMAC)&nbsp;Its&nbsp;Successors&nbsp;and/or&=
nbsp;<wbr></wbr>Assigns<br>4&nbsp;Hutton&nbsp;Centre&nbsp;Drive&nbsp;|&nbsp=
;<wbr></wbr>Office&nbsp;Suite&nbsp;#500&nbsp;|&nbsp;City&nbsp;of&nbsp;<wbr>=
</wbr>Santa&nbsp;Ana,&nbsp;California&nbsp;92707</span></td></tr></tbody></=
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