Find the best place to be

1. Non-owner. No income. No DTI.

2. 2 months reserves required for Purchase and R/T

3. 6 months reserves for cash-out

4. Par rate at 4.375% on a 7/6 ARM and 4.75% with on a 30 year fixed.

5. No rate add-ons for units, cash-out , condo or IO

6. Gift Funds Allowed (5% from borrower or 10% LTV reduction for 100% gifts)

7. No income docs required

8. Must have no housing lates in the last 12 months

9. Cash-out Unlimited

10. Minimum Loan Amount $100,000

11. 6 months reserves for cash-out

12. FICOS as low as 620

13. Vacant subject property allowed with a good LOE

14. FIRST TIME INVESTORS ALLOWED (Minimum FICO 680)

15. No impounds required

16. Unlimited financed properties OK | Only 4 with us

17. Rents must be >= the payment | Also have Less than 1 DSCR

18. Most aggressive DSCR computation in industry---on an ARM qualify at start payment.

19. On IO qualify on the IO payment. Most others use fully amortized payment

20. NO TRID rules

    1. No CD, No LE, No GFE, No TIL. And no waiting periods.

    2. No paper 1003 and no broker disclosures required to submit

    3. No LPC rules---ability to earn income front and back

    4. No TRID cures for undisclosed fees

    5. No Intent to Proceed so you can order your appraisal at any time. (ORDER APPRAISAL ASAP)

NONI is available in (Red requires specific licensing):

Alabama | Arizona | California | Colorado | Connecticut | Delaware | Florida | Georgia | Hawaii | Iowa | Kentucky | Louisiana | Maryland | Massachusetts | Missouri | New Jersey | New York | North Carolina | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | Tennessee | Texas | Utah | Virginia | Washington

Hometown Equity Mortgage, LLC (NMLS #133519) dba theValleg Mortgage Services, Inc.. Equal Housing Valleg Mortgage Services, Inc.. For mortgage professionals only. This message is intended only for the designated recipient(s) named above and may contain confidential information. If you are not the intended recipient, you may not read, copy, distribute or use any information contained in this message. Please advise the sender immediately by reply e-mail or by calling theValleg Mortgage Services, Inc. at (949) 570-2386 and delete this message and any attachments. In addition, the recipient should check this email and any attachments for the presence of viruses. The sender accepts no liability for any damage caused by any virus transmitted by this email.

Hometown Equity Mortgage, LLC (NMLS #133519) and its affiliates. Equal Housing Valleg Mortgage Services, Inc.. For mortgage professionals only. This message is intended only for the designated recipient(s) named above and may contain confidential information. If you are not the intended recipient, you may not read, copy, distribute or use any information contained in this message. Please advise the sender immediately by reply e-mail or by calling Hometown Equity Mortgage, LLC at (833) 381-8733 and delete this message and any attachments. In addition, the recipient should check this email and any attachments for the presence of viruses. The sender accepts no liability for any damage caused by any virus transmitted by this email.