Loan Portfolio

LOAN PORTFOLIO

CREATING THE FUTURE TOGETHER

www.thelendingcorporation.com

TABLE OF CONTENTS 3 5 6 7 8 10 11

Product Offering Allow Your Buyers to Finance Their Realtor Fees Buy Now, Sell Later 1099 Income Qualification Home Assist Program Private Money - Fast Close No Ratio Owner-Occupied Bank Statements DSCR Short-Term Rental program DSCR Investor Cash Flow Home Loans for Self-Employed Borrower DSCR LLC Borrowing Entity Program 100% Finance 85% DSCR Loan Standalone 2nd Mortgage Equity Advantage Non-QM HELOC Equity Advantage Asset Depletion Loans DSCR program for 5+ Unit and Commercial properties Pet Care 100% Financing

12 13 14 15 16 17

18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 41 42 43 44 45 46 47

Dental Care 100% Financing Attorneys 100% Financing CPAs 100% Financing

Doctors 100% Financing Product Enhancements Foreign Nationals NO CREDIT NO VISA NO RATIO NO SOURCING Foreign Nationals ITIN Fix-and-Flip Program New Construction Property Loan 100% Fix & Flip Premier Asset Depletion 100% VA Financing Bridge Now and Sell Later Real Estate Investment Loans Fix & Flip Loans Construction Loans Builders In-House Lender Builder Buydown Program Small-Balance Commercial Mortgage Bank Statement Program Multifamily Bridge (5+ Units) Non-Bank Commercial Mortgage Solutions Church Financing Condo-Tels

Product Offering We understand that every borrower has unique financial circumstances, and that one size does not fit all when it comes to loans. That’s why we offer arrange of non-QM loan Programs to fit your specific needs.

Non-QM solutions for today’s borrowers:

No Minimum DSCR

LTV Stacking

Up to 75% LTV 2-4 unit and condos allowed Minimum loan amount $150,000

Broker fees and points are stacked on top of requested LTV. Pricing and qualifying stay at original LTV. Allows the broker to make the same compensation, but with more attractive terms to the borrower than their competition offers.

Foreign National Loan

Up to 75% LTV Loan amount up to $3M SFR, 2-4 unit, and condos

Bank Statement Loan

Asset Qualifier & Asset Income Loft Loans

12 to 24 month; business or personal Up to 90% LTV Variable expense factor used; resulting in more qualifying income.

Up to 80% LTV Utilize borrower’s assets to qualify Can be combined w/other income such as W2 and bank statements

DSCR/Investor Loan

Bridge Star Loans

Up to 85% LTV Interest only option, helping more borrowers qualify Table Funding available

Our Bridge Star Loan will pay off the existing loan and provide cash required for the down payment on your new home

Condo Loan

1099 Loan

Up to 90% LTV with a 700 FICO score(not available on non-warrantable or condotels). Up to 75% LTV non-warrantable condos

No tax returns required 10% expense factor used First Time Homebuyers welcomed

Up to 75% LTV condotels Loan amounts up to $4M

1 Year P&L Product

Up to 80% LTV on purchase Minimum 700 FICO score

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

This flyer is a promotional advertisement for loans offered through The Lending Corporation. All loans are subject to credit approval, and the terms are subject to change. THE LENDING CORPORATION NMLS 262125

Finding the right mortgage to make homeownership a reality.

NMLS 2621251

ALLOW YOUR BUYERS TO FINANCE THEIR REALTOR FEES!

Instead of your buyers paying out of pocket at closing, roll it into the loan amount—keeping the original LTV and Pricing/Rate intact!

With new NAR regulations, buyers may now be responsible to cover your agent's commission.

Purchase Price: $1,000,000 Base Loan Amount: $800,000 (80% LTV) at 6.875% at par Buyer’s Agent Fee: 2% ($20,000) New Loan Amount: $820,000 (82% LTV) EXAMPLE SCENARIO:

BUT you keep the same pricing of 6.875% at par as if it were 80% LTV—without requiring your buyers to pay agent fees out of pocket!

WHY THIS GIVES YOU A COMPETITIVE EDGE:

Stay ahead of other real estate brokers Lower your borrower's closing costs Offer a smarter financing solution

What loans can I help with right now? Let’s talk financing solutions today!

DANIJELLA DRAGAS

+1 949-400-5779 ddragas@thelendingcorporation.com

www.thelendingcorporation.com

+123-456-7890

Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

BUY NOW SELL LATER and

You can BUY NOW ANDSELL LATER and DO YOU HAVE A LENDER THAT DOES THIS? WE DO!

BRIDGE LOAN with no Payments at all on the

START BUYING there is NO REASON TO BE ON HOLD until you SELL Your Existing Property!

The borrower has 12 months to sell their departed residence with no active monthly payment. Gives the borrower time to move and the funds to purchase a new primary residence WITHOUT selling first.

Take up to 75% equity out of the borrowers departing primary residence to use towards the purchase of a new primary residence.

No chance your borrower is stuck in hotel waiting for their property to Deferred interest only payments, the payments are financed into the loan amount and captured upon the sale of the property. BRIDGE LOAN is not held against Debt To Income (DTI) of new primary purchase loan! sell so they have funds to purchase a new property.

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

1099

Qualify using 1099's I NCOME QUALIFICATION

PROGRAM HIGHLIGHTS: Up to 90% LTV

Borrower must be 1099 only Up to $3,000,000 loan amount First Time Home Buyer OK

REQUIREMENTS:

Two (2) years in the same profession Two (2) months bank statements to support income Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

HOME ASSIST PROGRAM This program allows for 101.5% CLTV with 1.5% going to closing costs.

Highlights:

101.5% CLTV, (96.5% First + 5% DPA) 5% DPA available to assist with closing costs FHA 30-YR Fixed Purchase No Income Limits 1 - 2 Units, Primary Residence Only (No FTB Requirement) 620 Min FICO for AUS 660 Min FICO for Manual Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

Fast, flexible funding solutions tailored to your investment needs.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

NO RATIO OWNER-OCCUPIED

Income Verification No DTI Calculated! No Statement of Income Required! Will Only Verify Last Two Years’ Employment:

Asset Verification 1 Month Bank Statement (covering at least 30 days) 100% Gifts Allowed for Down Payment, Closing Costs, Reserves Cash-Out Proceeds May Be Used Towards Reserves 1

Self-Employed: Accountant’s Letter Wage-Earner: V0E (No Income) 2 No Tax Return or W2s requeired. Not a Bank Statement Program. Income Verification Purchase & Rate/Term Refinance up to 75% LTV Cash-Out Refinance up to 65% LTV, Unlimited Cash-Out Funds 1-4 Units, Condos, Coops, PUDs Second Homes Allowed Minimum 680 FICO

Loan Amounts up to $3,000,000 5/6m ARM , 7/6m ARM , 15 or 30 Year Fixed Interest Only Option Available on All Loan Terms Except 15 Year Fixed First-time Homebuyers Eligible (Max 70% LTV) 3 3

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

We allow short-term rentals providing more flexibility to real estate investors! DSCR SHORT-TERM RENTAL PROGRAM

Program Highlights

Income received directly from a home- sharing service such as Airbnb or VRBO, or property management services may be used for qualification No personal income or employment information required

DSCR under 1.00 for purchase transactions

Enhanced guidance on short-term rental income

Qualification is based on the cash flow of the property

Up to 80% LTV on purchase and rate/term refinances

DSCR over 1.00

Up to 75% LTV on cash-out refinances

Non-warrantable condos allowed

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

DSCR Investor Cash Flow Our innovative primary product for real estate investors is a collateral based business purpose loan. Traditional income verification is not required.

DSCR less than 1.00x allowed on purchase only Program Highlights Max loan amount up to $2.5 million FICO down to 660

Gift funds can be used for down payment, closing costs, and reserves after the borrower has documented the minimum required borrower contribution LTV up to 70% for foreign nationals on purchase and rate-term refinances and 60% on cash-out transactions First-time investors allowed up to 75% LTV Up to 3% seller concessions allowed towards closing Foreign nationals reserves 6 months PITI

Up to 80% LTV on purchase, rate/term refinances, and cash-out up to 75% Cash-out up to $500,000 and proceeds can be used for reserve requirements SFR, PUD, townhomes, 2-4 units, condos, non-warrantable condos 15-year fixed, 30-year fixed and 5/6 ARM with a 10-year interest only option

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

SELF-EMPLOYED BORROWER HOME LOANS FOR CREATIVE WAYS TO LEVERAGE YOUR INCOME Simplified process to determine and maximize self-employed income No tax returns necessary Qualify with bank statements or just a P&L statement Loan amounts up to $6MM

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

DSCR LLC Borrowing Entity Program

A limited liability company (LLC) is allowed under The Lending Corporation’s DSCR Borrowing Entity Program.

DSCR less than 1.00x allowed on purchase only Program Highlights LLC borrower permitted on DSCR loans2 LLC limited to max of 4 members/owners LLC business purpose and activities limited to ownership and management of real estate

Eligible personal guarantor: U.S. citizens, permanent resident aliens, and non-permanent resident aliens First-time investors allowed up to 75% LTV Required documentation: Articles of organization/certificate of formation Operating agreement (or equivalent) Evidence of signing authority for personal guarantor signing on behalf of LLC Certificate(s) of good standing Credit report for personal guarantor

LLC must be authorized to do business and in good standing in the state of organization and the subject property state Personal guarantor required (must have 25% or more ownership in the LLC)

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

100% FINANCE

When “nothing” is all you need

Meet 100% FINANCE

A TRUE GAME-CHANGER 100% FHA FINANCING for when your buyer has Nothing Down... 100% FINANCE! ONE SUBMISSION, ONE APPROVAL, ONE CLOSING!

FICOs down to 680

DACA Borrowers Eligible

First Time Homebuyers - OK!

SFR, PUDs, Condos, 1-2 Units Manufactured

Non-occupant Co Borrowers - OK!

Loan Amount per Country Limits

One FICO Score Allowed

DTI per AUS

Gift Fund Allowed

Borrower-Paid or Lender-Paid Comp

No other Underwriting Overlay... NONE!

Homeowner Education Required (at least one borrower)

2ND MORTGAGE INTEREST RATE = 2.00% HIGHER THAN THE RATE ON THE 1ST MORTGAGE WITH 10-YEAR FIXED AMORTIZATION 2ND PAYMENT MUST BE INCLUDED IN DTI

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

85% D S C R LOAN With loan amounts up to $3,500,000.00

PROGRAM HIGHLIGHTS

85% LTV for Purchase, Rate & Term Refi 75% LTV for Cash-Out Gift Funds Allowed Loan amounts to $3,500,000 620 Min FICO ITIN & Foreign Nationals OK 1x30 OK! Cash out can be used as reserves Non-Warrantable Condos OK No Limit on Financed Properties <1.00 DSCR allowed Short term rentals! Airbnb, VRBO OK! 15, 30 and 40-year fixed terms

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

STANDALONE 2ND MORTGAGE Like a cash-out refinance, but you keep the low rate from your 1st mortgage Unlimited cash-out for whatever you want, like home improvements Loan amounts from $150K to $1MM Qualify with 1 or 2 year bank statements or 1 or 2 year full income documentation

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

EQUITY ADVANTAGE NON-QM HELOC The Lending Corporation Equity Advantage non-QM HELOC offers a fast and easy close so your borrowers can get the funds they need as soon as possible. Become a hero helping your clients with debt consolidation, home renovations, tuition or meeting other financial goals! PROGRAM HIGHLIGHTS Loan amounts from $500,000 to $1,000,000 DTI 50% Maximum CLTV 85% for primary Maximum CLTV 70% for secondary Minimum FICO 640 primary residence Minimum FICO 680 secondary homes Owner-occupied, second homes and investment properties Full doc, personal bank statements, and assets allowed for income verification

SFR, townhomes, condos, second homes and investment properties Open-ended loan with a term of 5, 10, 15 or 30-years Available on 1st and 2nd liens 100% drawn at time of origination with a 100% draw feature Fixed lender paid 2.00% broker comp on all funded HELOCS (0.50% if the property is listed for sale)

*Owner-occupied only for the state of Texas

Let’s talk about how this pivotal partnership can transform your business.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

Equity Advantage Our Non-QM stand-alone second mortgage product is a financing solution that allows borrowers to keep their current first lien mortgage and interest rate while unlocking equity in the underlying subject property.

Program Highlights

Stand-alone second lien mortgage only Primary, second home, and investment properties Minimum 680 FICO Loan amount up to $500,000 Maximum CLTV 85% for a primary home Maximum CLTV 70% for second homes and investment properties

Single family residence, PUD, townhomes, 2-4 units Full doc, personal and business bank statements

Warrantable condos Maximum DTI 50% No reserves required

84 months seasoning required for bankruptcy, foreclosure, short sale, and deed-in-lieu

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

ASSET DEPLETION LOANS

Barrow on your Wealth not your Income

Asset can be used as only income source Minimum eligible remaining assets to be 100% of the loan amount plus reverses Divide qualified remaining assets by 60 months for monthly income qualification Assets can be combined with other income sources Divide qualified remaining assets by 120 months for monthly income qualification

Danijella Dragas

+1 949-400-5779

ddragas@thelendingcorporation.com

www.thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

DSCR PROGRAM FOR 5+ UNIT AND COMMERCIAL PROPERTIES FINANCING SOLUTION

Minimum loan $250K, Maximum loan $5 million Fund in all 50 states nationwide (excepting in areas considered too rural) Brokers protected and paid We don’t fund renovations, but we’re perfect for post renovations or properties that can be improved but are currently occupiable No Tax Returns program available for add- on to the base rate. Application, credit report, appraisal, rent roll and property P&L to approve the deal.

5 plus unit residential, office, retail, industrial, mixed use, and mobile home parks approved! LTV’s to: 70% purchase; 70% rate/term refinance; 65% Cash Out Refinance. Rates starting in the mid 9’s for a 30 year fixed DSCR of 1.15X based on the market rents and Net Operating Income in the appraisal. This means below market rents, vacancies, etc. get much better funded amounts with us! NO seasoning requirements ITIN loans at 5% reduction to LTV

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

PET CARE We take care of

for the purchase of a new home! 100% FINANCING

100% financing up to $1,000,000

95% financing up to $1,500,000

90% financing up to $2,000,000

NO Mortgage Insurance paid by borrower Only 1 borrower must meet the professional position requirements We do not count deferred student loan debt for qualifying!

Qualifying Professions: Attorneys

Certified Public Accountants Medical Professionals (MD, DO, DPM, OD, DDS, DDM, DVM, DC, NP, PA)

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

WE TAKE CARE OF DENTAL CARE

for the purchase of a new home! 100% FINANCING

100% financing up to $1,000,000 95% financing up to $1,500,000 90% financing up to $2,000,000 NO Mortgage Insurance paid by borrower Only 1 borrower must meet the professional position requirements We do not count deferred student loan debt for qualifying!

Qualifying Professions: Attorneys

Certified Public Accountants Medical Professionals (MD, DO, DPM, OD, DDS, DDM, DVM, DC, NP, PA)

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

ATTORNEYS We take care of

100% FINANCING for the purchase of a new home!

100% financing up to $1,000,000

95% financing up to $1,500,000

90% financing up to $2,000,000

NO Mortgage Insurance paid by borrower

Only 1 borrower must meet the professional position requirements

We do not count deferred student loan debt for qualifying!

Qualifying Professions:

Attorneys Certified Public Accountants Medical Professionals (MD, DO, DPM, OD, DDS, DDM, DVM, DC, NP, PA) Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

We take care of CPAs

100% FINANCING for the purchase of a new home!

100% financing up to $1,000,000

95% financing up to $1,500,000 90% financing up to $2,000,000 NO Mortgage Insurance paid by borrower Only 1 borrower must meet the professional position requirements We do not count deferred student loan debt for qualifying!

Qualifying Professions:

Attorneys Certified Public Accountants Medical Professionals (MD, DO, DPM, OD, DDS, DDM, DVM, DC, NP, PA)

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

We take care of DOCTORS 100% FINANCING for the purchase of a new home!

100% financing up to $1,000,000

95% financing up to $1,500,000

90% financing up to $2,000,000

NO Mortgage Insurance paid by borrower

Only 1 borrower must meet the professional position requirements

We do not count deferred student loan debt for qualifying!

QUALIFYING PROFESSIONS: Attorneys Certified Public Accountants Medical Professionals (MD, DO, DPM, OD, DDS, DDM, DVM, DC, NP, PA)

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

Exciting Product Enhancements

To Start The Year Strong!

The Lending Corporation is excited to announce new product enhancements right out of the gate this year! We celebrated a historical record for non-QM funding in 2024, and we’re ready to do that again in 2025.

We are committed to helping you grow your business along with us.

Here are the highlights of our product updates:

Expanded-Prime

DSCR / BPL Foreign national borrowers can now borrow in the name of an LLC. Foreign national borrowers can now submit international consumer credit reports to establish acceptable tradelines. Expanded tradeline requirements for foreign national program.

Equity Advantage - Closed-End Second

Maximum LTV for cash-out refinances now goes up to 80% with a 740 minimum FICO and maximum loan amount of $1.5 million. Reduced ownership seasoning requirements for cash-out refinances to 6 months for subject property. Added P&L only documentation with maximum LTV of 70% for purchases / 60% refinance and maximum loan amount of $2 million. Delayed financing now has no restrictions on cash-out amounts to recoup cash within 6 months.

Maximum loan amount is now $750,000. Minimum FICO down to 660. Maximum CLTV up to 80% for second homes and investment properties. P&L only option now allowed. Cash-out ownership seasoning minimum is now 6 months. Limited tradelines allowed for primary only with a CLTV of 75%. Non-warrantable condos allowed.

Non-Prime

Reduced seasoning requirements for cash-out transactions to 6 months.

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

FOREIGN NATIONAL NO CREDIT NO VISA NO RATIO NO SOURCING

Competitive Pricing Up to 75% ltv (65% For True No Ratio) No Credit No Visa (only passport) Funds can come from overseas bank Account No Sourcing of deposits ACH Is required

6 months Reserves required First Time Investor Eligible with no restrictions! No appraisal transfer letter or name changed required. UW turn times in 24 hours SFR's 1-4, Condos, Condotels AIR DNA and STR eligible for DSCR! Top Secret Hard Money Product case by case basis for CA, WA,FL, TX (No Min Fico, No "box" for eligibility) Anything Residential 1-4 that is a investment property SEND ME( 5+ Multifamily/ mixed use I will look at as well)

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

FOREIGN NATIONALS ITIN FIX-AND-FLIP PROGRAM

HAVE YOU THOUGHT ABOUT A FIX & FLIP PROJECTS?

THE LENDING CORPORATION CAN HELP WITH THAT!

Loan amounts up to $10MM Minimum FICO 500 1-4 family eligible First time investors, Foreign Nationals, and ITIN’s welcome Rural properties acceptable Accessory dwelling units allowed

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

NEW CONSTRUCTION

PROPERTY LOAN

Funding for ground-up and mid-construction projects.

Features:

Build ready lots in urban locales Not for tract home projects or new subdivisions (10+ homes) 12 or 18-month property loan terms Minimum 620 FICO SFR, 2-4 units, Condos, Multi-family and mixed-used property eligible

Limited to infill, tear down, and spec homes 85% LTC | 70% LTV single unit property loans up to $1MM 80% LTC | 65% LTV Multi-unit (2+) property loans up to $1.5MM Property loan-level liquidity verification

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

100% Fix & Flip Premier

Leveraging housing data to guide your 2025 efforts will be key to your profitable success. The Lending Corporation wants to be your long-term partner in financing properties that will deliver hefty profits to you. That's why we seek out information you can use to target markets where investment properties are available to purchase and likely to sell or be rented quickly. The Data Center from Redfin is a valuable and ongoing source of this information for metropolitan areas across the nation – even down to the zip code. WHAT TO KNOW Explore the relevant information at the link above, then contact The Lending Corporation experts after you secure a contract for a promising property; our team can capture the information needed for same-day approval. We just need your purchase agreement, statement of work, and bank statements from the past three months to get started. ACTIONS TO TAKE #2e4263

BENEFITS TO GAIN

You can get same-day approval for our unique 100% Fix & Flip Premier Loan to fund the purchase and rehab of your investment property. We approve loans in a short time frame, with no income verification and no down payment , and then deliver your funding quickly – usually within five to 10 business days. Be sure to also ask about how you can receive discounts on the many building materials and supplies needed to complete your rehab or ground-up project.

Contact me for more details, and let's start closing deals in 2025!

Danijella Dragas

+1 949-400-5779 ddragas@thelendingcorporation.com

www.thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

BUILD ON YOUR ASSETS QUALIFY FOR A MORTGAGE USING YOUR ASSETS. ONLY TWO MONTHS BANK STATEMENTS ARE REQUIRED

Flexible loans to get you approved quickly.

LTVs up to 90% Loan amounts from $200,000 to $4,000,000 (higher by exception) All occupancies Asset depletion can be sole source of income or supplement other income sources Total qualifying assets divided by 120 (reduced to 84 by exception)

Danijella Dragas

+1 949-400-5779

ddragas@thelendingcorporation.com

www.thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

Mission Critical Information

100% VA Financing

HIGHLIGHTS

600 and above minimum credit score 100% loan-to-value (LTV) available for purchases and refinances Loan amounts up to $2.5M No down payment required on purchases

Up to 105% LTV/125% CLTV on IRRRLs IRRRLs available for investment properties

Please contact me, and let's take on this Mission Together.

Danijella Dragas

+1 949-400-5779 ddragas@thelendingcorporation.com

www.thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

Moving On Up and Out… Nothing is stopping you now.

Leverage the equity in your departing, listed home to fund the down payment on your new dream home.

We offer 2 different loan options:

Stand Alone Loan Program - LTV up to 70% A loan for their departing home only, freeing you choose the best financing for your next home.

Simultaneous Loan Program - LTV up to 75% A cash out loan on your departing home with deferred payments, paired with a purchase loan up to 90% LTV, where qualification is based solely on the purchase loan amount.

Departing residence is listed All income types apply for an owner-occupied primary residence (Full Doc, Bank Statement, Asset Depletion and more) Deferred monthly payments 12-month loan Loan amounts from $100k to $2m Available in all states we are licensed in with the exception of Texas

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

REAL ESTATE INVESTMENT LOANS Qualify with Expected Cash Flow No income documentation required Qualification is based solely on the cash flow of

DSCR can be as low as 0 Programs for 1-4 residential units or 5-8 units Loan amounts up to $6MM

the subject property Options for foreign nationals

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

FIX & FLIP LOANS

FIX and RENT or BRRRR

12 to 24 month Term 80% Purchase + 100% Renovation 90% for Experienced Buyers 100% Financing Available

620 Min Credit Score Loan Sizes $50k-$10M Available for SFR, 1-4, 5+

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

CONSTRUCTION LOANS

LOAN GUIDELINES

LTV Up to 65% (based on as-improved value) LTC up to 85% (based on cost to build) Borrower Experience Proven track record with a similar scope project Funds and Closing For purchase (if not already owned), and reimbursement of work in progress (if approved)

Term

General Requirements All lending for investment purposes only Interest calculated on drawn balance Construction draws based on inspection report No rural properties Apartments and Development-only loans not allowed 1st Lien Position at all times

Up to 24 months

Purpose Purchase, refinance, or cash-out refinance Property Type Single Family Condo 2-4 Unit properties Townhouses Loan Size Min Loan Amount Max Loan Amount Per Property/Lot Total Max Loan Amount

$500,000 3,000,000 $20,000,000

Payments

Interest Reserve or Monthly Payments

Borrower Requirements

DOCUMENTATION REQUIREMENTS

No individuals. Must be an LLC or Corporation Minimum 700 credit score Reserve requirement: Borrower /

BORROWER/GUARANTOR

PROJECT

Guarantor must demonstrate a minimum aggregate 5%liquidity relative to all BC committed loans Personal Guarantee preferred: Limited Guarantee considered with a 50bps fee paid at closing (may not be rolled into the loan balance)

GET STARTED

Signed Estimated Loan Terms Completed Loan Application Borrower/Builder/Guarantor Resume

Purchase and Sale Agreement w/ All Addendums (if Purchase) Preliminary Construction Documentation: Preliminary Plat Map Preliminary Vertical Plans Preferred Title Insurance Company & Contact Preferred Insurance Company & Contact Breakdown of Costs Already Paid into Project Builder Material Specs Project Budgets on Builders Capital Budget Template Completed Construction Agreement (if using a 3rd Party Builder and/or Developer) Final Plat Approval from Jurisdiction (or Approval Letter) Final Stamped Engineered Plans for Development Work Final Site Plan All third-party order outs still apply, including standard appraisals, title and 3rd party project reviews

GET FUNDED

Most Recent Two Months Bank Statements (Borrower & Guarantors) Most Recent Two Years Tax Returns (Borrower & Guarantors) Borrower Entity Documents and Appropriate Business Licenses Legal Filing Documents Operating Agreement & Certificate of Formation (LLC) Articles of Incorporation & Bylaws (Corporation)

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

NMLS2621251

HAVE YOU EVER CONSIDERED THE POWER AND CONTROL OF HAVING YOUR OWN IN-HOUSE LENDER?

We welcome the opportunity to partner with you as the builder’s in-house lender. Please give me a call to discuss this exciting alliance and how it can transform your business!

Builders may have in-house lenders or partner with preferred lenders for a number of reasons, including:

CONTROL

UNDERSTANDING THE BUILDING PROCESS

Builders can have more control over the loan process, such as when to notify them if a buyer doesn't qualify.

Builders can work with lenders who understand the building process and the needs of the buyer.

REFERRALS

PRIORITY

INCENTIVES Builders can secure referrals for financing. Builders can offer incentives to buyers who use their preferred lender, such as cash for closing costs or discounts on the home.

Preferred lenders can be given high priority, allowing them to respond quickly.

RATE-LOCK PERIOD Preferred lenders may offer a longer rate-lock period to account for building delays.

However, builders cannot legally require buyers to use their preferred lender. Buyers can choose their own mortgage lender or work with a mortgage broker.

Let’s talk about how this pivotal partnership can transform your business.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

UNLOCK MORE SALES WITH OUR BUILDER BUYDOWN PROGRAM

At The Lending Corporatio n, we specialize in helping builders like you attract more buyers and close more deals with our proven buydown financing solutions.

WHY PARTNER WITH US? Attract More Buyers

Promote Buyer Confidence Flexible Finance Options Strengthen Market Strategies

Increase Sales Volume Enhance Affordability Stand Out in the Market

Build Long-Term Lender Relationships

Let's work together to turn more prospects into homeowners and boost your bottom line!

DANIJELLA DRAGAS

+1 949-400-5779 ddragas@thelendingcorporation.com

www.thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

+123-456-7890

"Control risk, the returns will take care of themselves"

Empowering businesses with tailored financing solutions

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

OFFERING CHURCH FINANCING IN TX, FL, MN, NY, CA OTHER STATES

We understand that churches often require financial assistance to support their operations and growth. That’s why we are pleased to offer CHURCH FINANCING loans in TX, FL, MN, NY, CA and all other states to support your mission and vision.

Our church financing loans are tailored to meet the unique needs of churches of all sizes. We offer flexible repayment terms, competitive interest rates, and no prepayment penalties. Our loan specialists will work with you to understand your specific needs and provide a loan solution that fits your budget.

THE BEST CHURCH FINANCING PROVIDER IN TX, FL, MN, NY, CA, AND OTHER STATES

Offering a church-financing loan that can help your church pay for repairs and renovations. Our loan process is quick and easy and we offer competitive interest rates. Plus, our loan payment terms are flexible, meaning you can pay the money back over time. Our loan offer is available in TX, FL, MN, NY, CA and all other states in US.

Don’t let financial limitations prevent your church from getting the repairs and renovations it needs. With our financing loan, you can make those improvements now, rather than waiting until later when it might be too late.

MOST TRUSTED CHURCH FINANCING LOAN IN TX, FL, MN, NY, CA, AND OTHER STATES

Take advantage of our financing loan now to get the repairs and renovations your church needs! Apply today and start making those improvements! We are committed to helping churches like yours achieve their financial goals. Serving TX, FL, MN, NY, CA and all other states.

Let's close your real estate transaction with ease and an on-time close and fund.

Danijella Dragas

www.thelendingcorporation.com +1 949-400-5779 ddragas@thelendingcorporation.com

Company NMLS#:2621251 Personal NMLS#:1099405

"Control risk, the returns will take care of themselves"

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