1 Table of contents 92

Loan Portfolio - Pamela

LOAN PORTFOLIO		1
CREATING THE		1
FUTURE		1
TOGETHER		1
Product Offering		5
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.		5
Let's close your real estate transaction with ease and an on-time close and fund.		5
Pamela Climo		5
(949) 683-7337		5
pclimo@thelendingcorporation.com		5
www.thelendingcorporation.com		5
NON-CONFORMING		6
LOAN PROGRAMS		6
UP TO $4M		7
NO TAX RETURN, NO BANK STATEMENT		7
QUALIFY WITH ONLY A “CPA-PREPARED PROFIT AND LOSS”		7
28 DAYS		7
Pamela Climo		7
UP TO $1M		8
NO TAX RETURN, NO BANK STATEMENT		8
QUALIFY WITH ONLY A “CPA-PREPARED PROFIT AND LOSS”		8
Loan Highlights:		8
Flexible Loan Terms:		8
Minimum Requirements:		8
28 DAYS		8
Let's close your real estate transaction with ease and an on-time close and fund.		8
Pamela Climo		8
Non-QM		9
Second Mortgage		9
HIGHLIGHTS:		9
Up to 85% CLTV Full Doc 1yr Self-employed OK 3mo BKST + 12mo 1099 Only OK WVOE OK Asset Utilization – On Its Own or To Supplement OTHER Income		9
Let's close your real estate transaction with ease and an on-time close and fund.		9
Pamela Climo		9
1099		10
INCOME QUALIFICATION		10
Qualify using 1099's		10
PROGRAM HIGHLIGHTS:		10
REQUIREMENTS:		10
Let's close your real estate transaction with ease and an on-time close and fund.		10
Pamela Climo		10
NO RATIO OWNER-OCCUPIED		11
Income Verification		11
No DTI Calculated!		11
No Statement of Income Required!		11
Will Only Verify Last Two Years’ Employment:		11
Self-Employed: Accountant’s Letter		11
Wage-Earner: V0E (No Income)		11
No Tax Return or W2s requeired. Not a Bank Statement Program.		11
Asset Verification		11
1 Month Bank Statement (covering at least 30 days)		11
100% Gifts Allowed for Down Payment, Closing Costs, Reserves		11
Cash-Out Proceeds May Be Used Towards Reserves		11
Income Verification		11
Purchase & Rate/Term Refinance up to 75% LTV		11
Cash-Out Refinance up to 65% LTV, Unlimited Cash-Out Funds		11
1-4 Units, Condos, Coops, PUDs		11
Second Homes Allowed		11
Minimum 680 FICO		11
Loan Amounts up to $3,000,000		11
5/6m ARM , 7/6m ARM , 15 or 30 Year Fixed		11
Interest Only Option Available on All Loan Terms Except 15 Year Fixed		11
First-time Homebuyers Eligible (Max 70% LTV)		11
Let's close your real estate transaction with ease and an on-time close and fund.		11
Pamela Climo		11
(949) 683-7337		11
pclimo@thelendingcorporation.com		11
www.thelendingcorporation.com		11
BANK STATEMENTS WITH OPTIONS!		12
12 Month Bank Statement & P&L Programs		12
HIGHLIGHTS		12
Use 100% of deposits on Personal Statements Use up to 85% of deposits on Business Statements		12
Up to 90% LTV Purchase to $1.5M		12
Up to 85% LTV Rate/Term		12
Up to 80% LTV Cash Out		12
Min FICO 600		12
Loan amounts up to $4,000,000		12
Couple with Asset Utilization for extra income		12
Transfers from Business to Personal OK!		12
P&L Program comes with 3 Months Bank Statement		12
Multiple Business Accounts OK		12
Fixed Expense Factor		12
Third Party Prepared P&L		12
Third Party prepared Expense Statement		12
Let's close your real estate transaction with ease and an on-time close and fund.		12
Pamela Climo		12
Let's close your real estate transaction with ease and an on-time close and fund.		13
Pamela Climo		13
(949) 683-7337		13
pclimo@thelendingcorporation.com		13
www.thelendingcorporation.com		13
Company NMLS#:2621251		13
SHORT TERM RENTALS		14
CLOSE MORE LOANS WITH THE LENDING CORPORATION		14
CREDIT SCORES STARTING AT 700 | UP TO 75% LTV		14
Loans up to $3 million with a minimum of $100,000		14
Purchase and cash-out or rate-term refinance		14
DSCR must be 1.00 or greater		14
Max of 5 loans with AOMS; exceptions considered when there are more than 5 loans		14
No limit on total number of financed properties a borrower can own		14
Permanent and non-permanent residents allowed		14
No income or employment required; qualification based on property cash flow		14
Warrantable, non-warrantable, and condo hotels allowed		14
Interest-only option available		14
Gift funds allowed		14
Properties can vest title in LLC, S corp, C corp, or revocable trust		14
Up to 6% celler concessions		14
First time home buyer not allowed		14
Let's close your real estate transaction with ease and an on-time close and fund.		14
Pamela Climo		14
Equity Advantage		15
Program Highlights		15
Stand-alone second lien mortgage only		15
Primary, second home, and investment properties		15
Minimum 680 FICO		15
Loan amount up to $500,000		15
Maximum CLTV 85% for a primary home		15
Maximum CLTV 70% for second homes and investment properties		15
Single family residence, PUD, townhomes, 2-4 units		15
Full doc, personal and business bank statements		15
Warrantable condos		15
Maximum DTI 50%		15
No reserves required		15
84 months seasoning required for bankruptcy, foreclosure, short sale, and deed-in-lieu		15
Let's close your real estate transaction with ease and an on-time close and fund.		15
Pamela Climo		15
(949) 683-7337		15
pclimo@thelendingcorporation.com		15
www.thelendingcorporation.com		15
BUILD ON YOUR ASSETS		16
QUALIFY FOR A MORTGAGE USING YOUR ASSETS. ONLY TWO MONTHS BANK STATEMENTS ARE REQUIRED		16
Flexible loans to get you approved quickly.		16
LTVs up to 90%		16
Loan amounts from $200,000 to $4,000,000 (higher by exception)		16
All occupancies		16
Asset depletion can be sole source of income or supplement other income sources		16
Total qualifying assets divided by 120 (reduced to 84 by exception)		16
Pamela Climo		16
(949) 683-7337		16
pclimo@thelendingcorporation.com		16
www.thelendingcorporation.com		16
REAL ESTATE INVESTMENT LOANS		17
Qualify with Expected Cash Flow		17
No income documentation required		17
Qualification is based solely on the cash flow of the subject property		17
Options for foreign nationals		17
DSCR can be as low as 0		17
Programs for 1-4 residential units or 5-8 units		17
Loan amounts up to $6MM		17
Let's close your real estate transaction with ease and an on-time close and fund.		17
Pamela Climo		17
www.thelendingcorporation.com		17
NO INCOME, NO PROBLEM!		18
The Lending Corporation’s - NO INCOME RATIO LENDING		18
NO RATIO		18
Highlights:		18
Let's close your real estate transaction with ease and an on-time close and fund.		18
Pamela Climo		18
EQUITY ADVANTAGE NON-QM HELOC		19
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!		19
PROGRAM HIGHLIGHTS		19
Loan amounts from $500,000 to $1,000,000		19
DTI 50%		19
Maximum CLTV 85% for primary		19
Maximum CLTV 70% for secondary		19
Minimum FICO 640 primary residence		19
Minimum FICO 680 secondary homes		19
Owner-occupied, second homes and investment properties		19
Full doc, personal bank statements, and assets allowed for income verification		19
SFR, townhomes, condos, second homes and investment properties		19
Open-ended loan with a term of 5, 10, 15 or 30-years		19
Available on 1st and 2nd liens		19
100% drawn at time of origination with a 100% draw feature		19
Fixed lender paid 2.00% broker comp on all funded HELOCS (0.50% if the property is listed for sale)		19
*Owner-occupied only for the state of Texas		19
Let’s talk about how this pivotal partnership can transform your business.		19
Pamela Climo		19
(949) 683-7337		19
pclimo@thelendingcorporation.com		19
www.thelendingcorporation.com		19
HOME LOANS FOR		20
SELF-EMPLOYED BORROWER		20
CREATIVE WAYS TO LEVERAGE YOUR INCOME		20
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		20
Let's close your real estate transaction with ease and an on-time close and fund.		20
Pamela Climo		20
www.thelendingcorporation.com		20
WIDEN YOUR MARKET REACH WITH SELF-EMPLOYED BORROWERS		21
with our Non-QM 1-Year Self-Employed program! Your pipeline will thank you!		21
PROGRAM HIGHLIGHTS		21
Only ONE Year of Self-Employment required		21
Up to 80% LTV purchase		21
Refinance and Cash-Out available		21
REQUIREMENTS		21
660 Min FICO		21
Income qualifies with only 12 Months most recent bank statements and the previous year W-2		21
Must be in the same line of work or industry		21
Pamela Climo		21
www.thelendingcorporation.com		21
DSCR Loan Program		22
Close More Loans with The Lending Corporation		22
Credit Scores Starting at 680 | Up to 85% LTV		22
Frequently Asked Questions		22
Let's close your real estate transaction with ease and an on-time close and fund.		22
Pamela Climo		22
www.thelendingcorporation.com		22
DSCR Investor Cash Flow		23
Our innovative primary product for real estate investors is a collateral based business purpose loan. Traditional income verification is not required.		23
Program Highlights		23
DSCR less than 1.00x allowed on purchase only		23
Max loan amount up to $2.5 million		23
FICO down to 660		23
Up to 80% LTV on purchase, rate/term refinances, and cash-out up to 75%		23
Cash-out up to $500,000 and proceeds can be used for reserve requirements		23
SFR, PUD, townhomes, 2-4 units, condos, non-warrantable condos		23
15-year fixed, 30-year fixed and 5/6 ARM with a 10-year interest only option		23
Gift funds can be used for down payment, closing costs, and reserves after the borrower has documented the minimum required borrower contribution		23
LTV up to 70% for foreign nationals on purchase and rate-term refinances and 60% on cash-out transactions		23
First-time investors allowed up to 75% LTV		23
Up to 3% seller concessions allowed towards closing		23
Foreign nationals reserves 6 months PITI		23
Let's close your real estate transaction with ease and an on-time close and fund.		23
Pamela Climo		23
(949) 683-7337		23
pclimo@thelendingcorporation.com		23
www.thelendingcorporation.com		23
DSCR SHORT-TERM RENTAL PROGRAM		24
We allow short-term rentals providing more flexibility to real estate investors!		24
Program Highlights		24
Let's close your real estate transaction with ease and an on-time close and fund.		24
Pamela Climo		24
www.thelendingcorporation.com		24
DSCR LLC Borrowing Entity Program		25
A limited liability company (LLC) is allowed under The Lending Corporation’s DSCR Borrowing Entity Program.		25
Program Highlights		25
DSCR less than 1.00x allowed on purchase only		25
LLC borrower permitted on DSCR loans2		25
LLC limited to max of 4 members/owners		25
LLC business purpose and activities limited to ownership and management of real estate		25
LLC must be authorized to do business and in good standing in the state of organization and the subject property state		25
Personal guarantor required (must have 25% or more ownership in the LLC)		25
Eligible personal guarantor: U.S. citizens, permanent resident aliens, and non-permanent resident aliens		25
First-time investors allowed up to 75% LTV		25
Required documentation:		25
Articles of organization/certificate of formation		25
Operating agreement (or equivalent)		25
Evidence of signing authority for personal guarantor signing on behalf of LLC		25
Certificate(s) of good standing		25
Credit report for personal guarantor		25
Let's close your real estate transaction with ease and an on-time close and fund.		25
Pamela Climo		25
(949) 683-7337		25
pclimo@thelendingcorporation.com		25
www.thelendingcorporation.com		25
DSCR PROGRAM FOR 5+ UNIT AND COMMERCIAL PROPERTIES		26
FINANCING SOLUTION		26
Minimum loan $250K, Maximum loan $5 million		26
Fund in all 50 states nationwide (excepting in areas considered too rural)		26
Brokers protected and paid		26
We don’t fund renovations, but we’re perfect for post renovations or properties that can be improved but are currently occupiable		26
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.		26
Let's close your real estate transaction with ease and an on-time close and fund.		26
Pamela Climo		26
www.thelendingcorporation.com		26
No Income Need to Qualify. DSCR your way to Real Estate Ownership.		27
Open new investment paths with expansive DSCR options that don’t require personal income to qualify.		27
With features like no and low ratio DSCR, First Time Investors welcome, and manufactured housing allowed, borrowers can blaze new trails.		27
Highlights		27
Up to 85% LTV Available		27
Credit Scores Down to 640		27
ITIN and Foreign National DSCR Available		27
Manufactured Housing DSCR Allowed		27
No Ratio DSCR Allowed		27
Short Term DSCR to .75		27
Let's close your real estate transaction with ease and an on-time close and fund.		27
Pamela Climo		27
www.thelendingcorporation.com		27
85% D S C R LOAN		28
With loan amounts up to $3,500,000.00		28
PROGRAM HIGHLIGHTS		28
85% LTV for Purchase, Rate & Term Refi		28
75% LTV for Cash-Out		28
Gift Funds Allowed		28
Loan amounts to $3,500,000		28
620 Min FICO		28
ITIN & Foreign Nationals OK		28
1x30 OK!		28
Cash out can be used as reserves		28
Non-Warrantable Condos OK		28
No Limit on Financed Properties		28
<1.00 DSCR allowed		28
Short term rentals! Airbnb, VRBO OK!		28
15, 30 and 40-year fixed terms		28
Let's close your real estate transaction with ease and an on-time close and fund.		28
Pamela Climo		28
www.thelendingcorporation.com		28
No-Seasoning Cash-Out Refinance		29
Access Equity Fast — No Waiting Needed!		29
Unlock your property’s potential with our new Instant Equity Cash-Out Refinance Program.		29
Designed for investors and homeowners ready to keep their capital moving — no holding period required.		29
Program Highlights		29
Max LTV 80%		29
Refi Immediately After Purchase — No Waiting Period		29
Use Lessor of Appraised Value or Purchase Price + Documented Improvements		29
Primary or Investment Properties		29
Title in LLC or Corp OK (business purpose only)		29
Borrower must be the original purchaser of subject property		29
Let's close your real estate transaction with ease and an on-time close and fund.		29
Pamela Climo		29
(949) 683-7337		29
pclimo@thelendingcorporation.com		29
www.thelendingcorporation.com		29
Don’t Lose an Investor Deal waiting for the Appraiser’s Fair Market Rent Comparison		31
When your investor client need a quick cash flow-to-debt ratio quote, speed and certainly are everything.		31
The scenarion: Investor is Shopping- Win the Quote Race		31
Your Competitor (The old way)		31
Action: Guess the rental income or rely on the 1007 (5 to 7 days) for verification		31
Result: Client receives an uncertain quote. They hesitate or shop around.		31
You (with The Lending Corporation AVM)		31
Action: Use QuickQuote to generate a date-backed rental income estimate in Minutes.		31
Result: You deliver a confident date-backed preliminary quote to earn instant trust and commitment.		31
Pamela Climo		31
BUY NOW		32
SELL LATER		32
BUY NOW ANDSELL LATER		32
DREAM CLIENT		32
DEPARTING HOME		32
Pamela Climo		32
SBA 7(a) Loan Program		33
Flexible financing for real estate and business needs — even without property involved.		33
SBA 504 Loan Program		33
Perfect for fixed asset projects — lower down payment, longer terms, and below-market rates.		33
USDA Business & Industry (B&I) Loan Program		33
For businesses in rural and semi-rural areas — flexible financing for growth and expansion.		33
PROPERTY TYPES FOR ALL REAL ESTATE TRANSACTIONS:		33
Let's close your real estate transaction with ease and an on-time close and fund.		33
Pamela Climo		33
(949) 683-7337		33
pclimo@thelendingcorporation.com		33
www.thelendingcorporation.com		33
We just funded a		34
FOREIGN NATIONAL DSCR PURCHASE		34
in only 11 days!		34
Deal Highlights:		34
First-Time Investor		34
$494,000 Loan Amount		34
65% LTV		34
No Credit Score		34
SFR Property		34
DSCR below 0.75		34
30-Year Fixed with 3-Year Prepay		34
7.375% Rate / 7.933% APR		34
This deal shows how quickly and efficiently we can close—even on complex borrower profiles.		34
Pamela Climo		34
www.thelendingcorporation.com		34
SPECIALTY		35
ASSISTANCE PROGRAM		35
Exciting Product Enhancements To Start The Year Strong!		36
Expanded-Prime		36
Equity Advantage - Closed-End Second		36
DSCR / BPL		36
Non-Prime		36
Let's close your real estate transaction with ease and an on-time close and fund.		36
Pamela Climo		36
www.thelendingcorporation.com		36
Moving On Up and Out… Nothing is stopping you now.		37
BRIDGE NOW AND SELL LATER		37
Leverage the equity in your departing, listed home to fund the down payment on your new dream home.		37
We offer 2 different loan options:		37
Let's close your real estate transaction with ease and an on-time close and fund.		37
Pamela Climo		37
ALLOW YOUR BUYERS TO FINANCE THEIR REALTOR FEES!		38
EXAMPLE SCENARIO:		38
WHY THIS GIVES YOU A COMPETITIVE EDGE:		38
What loans can I help with right now? Let’s talk financing solutions today!		38
Pamela Climo		38
www.thelendingcorporation.com		38
BUY NOW		39
and		39
SELL LATER		39
You can		39
BUY NOW ANDSELL LATER		39
and		39
with no Payments at all on the		39
BRIDGE LOAN		39
Pamela Climo		39
HAVE YOU EVER CONSIDERED THE POWER AND CONTROL OF HAVING YOUR OWN		40
IN-HOUSE LENDER?		40
CONTROL		40
REFERRALS		40
PRIORITY		40
INCENTIVES		40
RATE-LOCK PERIOD		40
UNDERSTANDING THE BUILDING PROCESS		40
Let’s talk about how this pivotal partnership can transform your business.		40
Pamela Climo		40
www.thelendingcorporation.com		40
UNLOCK MORE SALES WITH OUR		41
BUILDER BUYDOWN PROGRAM		41
At The Lending Corporation, we specialize in helping builders like you attract more buyers and close more deals with our proven buydown financing solutions.		41
WHY PARTNER WITH US?		41
Attract More Buyers		41
Increase Sales Volume		41
Enhance Affordability		41
Stand Out in the Market		41
Promote Buyer Confidence		41
Flexible Finance Options		41
Strengthen Market Strategies		41
Build Long-Term Lender Relationships		41
Let's work together to turn more prospects into homeowners and boost your bottom line!		41
Pamela Climo		41
OFFERING CHURCH FINANCING IN TX, FL, MN, NY, CA OTHER STATES		42
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.		42
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.		42
THE BEST CHURCH FINANCING PROVIDER IN TX, FL, MN, NY, CA, AND OTHER STATES		42
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.		42
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.		42
MOST TRUSTED CHURCH FINANCING LOAN IN TX, FL, MN, NY, CA, AND OTHER STATES		42
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.		42
Let's close your real estate transaction with ease and an on-time close and fund.		42
Pamela Climo		42
(949) 683-7337		42
pclimo@thelendingcorporation.com		42
www.thelendingcorporation.com		42
Protect your home from Foreclosure and Bailout with Cash out Refinance		43
What We Deliver:		43
Foreclosure Bailouts & Cash Out Refinancing		43
FICO scores down to 500		43
Fast closings to rescue time-sensitive deals		43
Creative structuring for distressed homeowners		43
A Fresh Start For Borrowers		43
Solutions for maturity defaults		43
Funding available for mid-swing construction projects		43
Stabilize your pipeline with flexible, commonsense lending		43
Let's close your real estate transaction with ease and an on-time close and fund.		43
Pamela Climo		43
The Lending Corporation Allows Crypto for Reserves		44
Guideline Highlights		44
Guideline Highlights		44
Your clients can meet reserve requirements with unliquidated cryptocurrency. We'll use 60% of the current valuation from the Coinbase Exchange. If your client transfers the crypto into a U.S. financial institution prior to closing, 100% of the funds can be used for reserves.		44
In order to use crypto for down payment and closing costs, the assets must be liquidated and deposited into an established US bank account.		44
Let’s close your real estate deal with ease—using crypto and funding on time.		44
Pamela Climo		44
www.thelendingcorporation.com		44
THE KEY TO CLOSING MORE FHA LOANS		45
About Us		45
The Pathway For Homeownership Program		46
The Problem		46
The data behind WHY we do what we do: Lack of savings significantly decreases the possibility of default.		47
The Solution		47
Responds toperiodic future surveys		48
Buyer Gets		48
Earned income of 3.5%ofpurchase price up to $13,000		48
You Decide		48
The funds from The Lending Corporation are earned income, and a participant in the program can use these funds as needed:		48
Closing Costs Debt payoff Down Payment Replenishment Realtor fees Cash Reserves for mortgage approval Interest Rate Buy-Down Appraisal Shortages More!		48
Solar - How & Why		49
FHA Solar and Wind Technology Policy (SWT)		49
Solar Benefits		49
FHA PURCHASE		49
WITHOUT The Lending Corporation		49
WITH The Lending Corporation		49
MORTGAGE		49
$2,000		49
$2,200		49
ELECTRIC BILL		49
$300		49
$100		49
TOTAL		49
$2,300		49
$2,300		49
FHA purchase or refinance client will keep nearly identical expenses and still earn the 3.5% up to $13,000.		49
YOUR FHA PIPELINE		50
WITHOUT The Lending Corporation		50
WITH The Lending Corporation		50
LOANS CLOSED		50
AMOUNT FUNDED		50
$1,000,000		50
$1,200,000		50
1%		50
$10,000		50
$12,000		50
Loan Officers and their clients win together!		50
Getting Started		50
Loan Officer issues a preapproval for a FHA purchase or refinance client.		50
Basic client information is provided to The Lending Corporation Eligibility Letter is generated for the Loan Officer.		50
Why Real Estate Agents and Borrowers Love The Lending Corporation		51
Property Eligibility		51
Condos are ineligible Property must be in a eligible state		51
FHA Mortgage Paving the way to a Greener Future & Empowering Lives, One Home at a Time		52
advises participants that they use other assets on hand to cover the minimum required investment (MRI) on the loan. recommends to lenders that program earnings only be utilized after the participant has covered the MRI through other assets on hand and that the total amount of program earnings utilized at close does not exceed 6% of the sales price when added to any seller concessions occurring in the transaction, if applicable. The Lending Corporation believes that this is the best way to support the primary mission of the program and to align with the intent of the applicable FHA underwriting guidelines.		52
Let's close your real estate transaction with ease and an on-time close and fund.		52
Pamela Climo		52
(949) 683-7337		52
pclimo@thelendingcorporation.com		52
www.thelendingcorporation.com		52
Company NMLS#:2621251		52
CONFORMING		54
LOAN PROGRAMS		54
100% FINANCE		55
When “nothing” is all you need		55
Meet 100% FINANCE		55
A TRUE GAME-CHANGER		55
100% FHA FINANCING		55
for when your buyer has Nothing Down... 100% FINANCE! ONE SUBMISSION, ONE APPROVAL, ONE CLOSING!		55
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		55
Let's close your real estate transaction with ease and an on-time close and fund.		55
Pamela Climo		55
We take care of		56
PET CARE		56
100% FINANCING		56
for the purchase of a new home!		56
100% financing up to $1,000,000		56
95% financing up to $1,500,000		56
90% financing up to $2,000,000		56
NO Mortgage Insurance paid by borrower		56
Only 1 borrower must meet the professional position requirements		56
We do not count deferred student loan debt for qualifying!		56
Pamela Climo		56
WE TAKE CARE OF		57
DENTAL CARE		57
100% FINANCING		57
for the purchase of a new home!		57
100% financing up to $1,000,000		57
95% financing up to $1,500,000		57
90% financing up to $2,000,000		57
NO Mortgage Insurance paid by borrower		57
Only 1 borrower must meet the professional position requirements		57
We do not count deferred student loan debt for qualifying!		57
Qualifying Professions:		57
Attorneys		57
Certified Public Accountants		57
Medical Professionals (MD, DO, DPM, OD, DDS, DDM, DVM, DC, NP, PA)		57
Let's close your real estate transaction with ease and an on-time close and fund.		57
Pamela Climo		57
www.thelendingcorporation.com		57
We take care of		58
ATTORNEYS		58
100% FINANCING		58
for the purchase of a new home!		58
Qualifying Professions:		58
Let's close your real estate transaction with ease and an on-time close and fund.		58
Pamela Climo		58
We take care of		59
CPAs		59
100% FINANCING		59
for the purchase of a new home!		59
100% financing up to $1,000,000		59
95% financing up to $1,500,000		59
90% financing up to $2,000,000		59
NO Mortgage Insurance paid by borrower		59
Only 1 borrower must meet the professional position requirements		59
We do not count deferred student loan debt for qualifying!		59
Pamela Climo		59
www.thelendingcorporation.com		59
We take care of		60
DOCTORS		60
100% FINANCING		60
for the purchase of a new home!		60
Let's close your real estate transaction with ease and an on-time close and fund.		60
Pamela Climo		60
Mission Critical Information		61
100% VA Financing		61
HIGHLIGHTS		61
600 and above minimum credit score		61
100% loan-to-value (LTV) available for purchases and refinances		61
Loan amounts up to $2.5M		61
No down payment required on purchases		61
Up to 105% LTV/125% CLTV on IRRRLs		61
IRRRLs available for investment properties		61
Please contact me, and let's take on this Mission Together.		61
Pamela Climo		61
ASSET DEPLETION		62
LOANS		62
Barrow on your Wealth not your Income		62
Asset can be used as only income source		62
Minimum eligible remaining assets to be 100% of the loan amount plus reverses		62
Divide qualified remaining assets by 60 months for monthly income qualification		62
Assets can be combined with other income sources		62
Divide qualified remaining assets by 120 months for monthly income qualification		62
Pamela Climo		62
www.thelendingcorporation.com		62
ASSET DEPLETION PROGRAM		63
The Lending Corporation Asset Depletion program is perfect for retirees, self-employed borrowers, or anyone with strong liquid assets.		63
Qualify with assets alone or blend with full doc, bank statements, 1099s, or VOE.		63
Here’s how it works:		63
Qualify by Dividing Assets Over 60 Months		63
$300,000 in assets = $5,000/month qualifying income		63
Program Highlights:		63
Up to 90% LTV on Purchases		63
Up to 80% LTV on Cash-Out Refis		63
Assets only need to be seasoned 3 months		63
Owner-Occ, 2nd Home, or Investment OK		63
Minimum 660 FICO		63
Eligible Asset Types Include:		63
Checking/Savings		63
Stocks, Bonds, Mutual Funds		63
Vested Retirement Accounts		63
Money Market Fund		63
Let's close your real estate transaction with ease and an on-time close and fund.		63
Pamela Climo		63
WRITTEN VERIFICATION OF EMPLOYMENT (WVOE)		64
HIGHLIGHTS		64
REQUIREMENTS		64
Let's close your real estate transaction with ease and an on-time close and fund.		64
Pamela Climo		64
www.thelendingcorporation.com		64
HOME ASSIST PROGRAM		65
This program allows for 101.5% CLTV with 1.5% going to closing costs.		65
Highlights:		65
101.5% CLTV, (96.5% First + 5% DPA)		65
5% DPA available to assist with closing costs		65
FHA 30-YR Fixed Purchase		65
No Income Limits		65
1 - 2 Units, Primary Residence Only (No FTB Requirement)		65
620 Min FICO for AUS		65
660 Min FICO for Manual		65
Let's close your real estate transaction with ease and an on-time close and fund.		65
Pamela Climo		65
www.thelendingcorporation.com		65
STANDALONE		66
2ND MORTGAGE		66
Like a cash-out refinance, but you keep the low rate from your 1st mortgage		66
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		66
Let's close your real estate transaction with ease and an on-time close and fund.		66
Pamela Climo		66
www.thelendingcorporation.com		66
BANK STATEMENT HELOC		67
CLOSE MORE LOANS WITH THE LENDING CORPORATION		67
The Lending Corporation Bank Statement Home Equity Line of Credit (HELOC) is designed specifically for self-employed bank statement borrowers. This program enables self-employed borrowers to tap into their home’s equity while retaining their first mortgage. The HELOC is a revolving line of credit, and borrowers can borrow as little or as much of the approved credit limit needed during the draw period.		67
Credit Scores Starting at 660		67
Up to 90% CLTV		67
Let's close your real estate transaction with ease and an on-time close and fund.		67
Pamela Climo		67
www.thelendingcorporation.com		67
Unlimited Cash-In-Hand Refinance		68
Are You a Borrower Who Just Changed Employment From a W-2 Employee to Self-Employed 1099? And looking for a Residential Loan?		69
We Have Your Solution!		69
The Lending Corporation can Help!		69
No Minimum History As A 1099 Employee Required		69
No Expense Factor Applied		69
Simple, Full Doc Solution		69
Great Option for Medical Professionals or Anyone Who Recently Switched from W-2 Income and Does Not Incur Expenses		69
Let's close your real estate transaction with ease and an on-time close and fund.		69
Pamela Climo		69
www.thelendingcorporation.com		69
2/1 AND 1/0 BUYDOWN PROGRAMS		70
High Balance Option Available.		70
Our buydown loans provide a lower rate for the first one or two years, paid by the seller. Now you can reach more clients to expand your pipeline!		70
PROGRAM HIGHLIGHTS:		70
30 year Fixed Rate Mortgages, Non-Standard Terms Available Primary Residences only Single Family Residences, PUD and Condos VA (also available for FNMA and FHA) High Balance available Purchase Transactions only		70
Term: 24 months (2-1) Term: 12 months (1-0) Borrower(s) are Qualified off Note Rate not buydown rate Buydown cost is paid by Seller/Builder concessions Seller Concessions Max 4% on VA		70
Let's close your real estate transaction with ease and an on-time close and fund.		70
Pamela Climo		70
www.thelendingcorporation.com		70
FHA		71
HOME LOANS		71
FLEXIBLE LENDING SOLUTION		71
FHA Lending from The Lending Corporation		71
HIGHLIGHTS		71
Pamela Climo		71
VA		72
ARE YOU MISSING OUT ON		72
OR		72
FHA		72
BUSINESS?		72
FHA		72
580 for purchases, cash-out refinances and refinances		72
550 rate/term and simple refinances		72
640 for all manufactured homes		72
VA		72
570 for purchases and full-doc refinances		72
580 fon non VA IRRRL		72
550 for VA IRRRL		72
640 for all manufactures homes		72
Let's close your real estate transaction with ease and an on-time close and fund.		72
Pamela Climo		72
www.thelendingcorporation.com		72
PRIVATE MONEY		73
LOAN PROGRAMS		73
Pamela Climo		74
(949) 683-7337		74
pclimo@thelendingcorporation.com		74
www.thelendingcorporation.com		74
Company NMLS#:2621251		74
FIX AND FLIP		75
LOAN PROGRAMS		75
FIX & FLIP LOANS		76
FIX and RENT or BRRRR		76
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+		76
Let's close your real estate transaction with ease and an on-time close and fund.		76
Pamela Climo		76
www.thelendingcorporation.com		76
NEW CONSTRUCTION		77
PROPERTY LOAN		77
Grow your investor business		77
Features:		77
Funding for ground-up and mid-construction projects.		77
Pamela Climo		77
100% Fix & Flip Premier		78
WHAT TO KNOW		78
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.		78
#2e4263		78
ACTIONS TO TAKE		78
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.		78
BENEFITS TO GAIN		78
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.		78
Contact me for more details, and let's start closing deals in 2025!		78
Pamela Climo		78
(949) 683-7337		78
pclimo@thelendingcorporation.com		78
www.thelendingcorporation.com		78
THE LENDING CORPORATION NMLS 2621251		78
CONSTRUCTION LOANS		79
LOAN GUIDELINES		79
DOCUMENTATION REQUIREMENTS		79
Let's close your real estate transaction with ease and an on-time close and fund.		79
Pamela Climo		79
(949) 683-7337		79
pclimo@thelendingcorporation.com		79
www.thelendingcorporation.com		79
FOREIGN NATIONALS		80
LOAN PROGRAMS		80
FOREIGN NATIONAL		81
NO CREDIT NO VISA NO RATIO NO SOURCING		81
Competitive Pricing		81
Up to 75% ltv (65% For True No Ratio)		81
No Credit		81
No Visa (only passport)		81
Funds can come from overseas		81
bank Account		81
No Sourcing of deposits		81
ACH Is required		81
6 months Reserves required		81
First Time Investor Eligible		81
with no restrictions!		81
No appraisal transfer letter or name changed required.		81
UW turn times in 24 hours		81
SFR's 1-4, Condos, Condotels		81
AIR DNA and STR eligible for DSCR!		81
Top Secret Hard Money Product case by case basis for CA, WA,FL, TX		81
(No Min Fico, No "box" for eligibility)		81
Anything Residential 1-4 that is a investment property SEND ME( 5+ Multifamily/ mixed use I will look at as well)		81
Let's close your real estate transaction with ease and an on-time close and fund.		81
Pamela Climo		81
www.thelendingcorporation.com		81
FOREIGN NATIONAL PROGRAM		82
GUIDELINES		82
Loan amounts up to $2.5M		82
Qualify using debt service coverage ratio (DSCR) with I/O Payment		82
No U.S credit score or FICO required		82
Up to 75% LTV for purchase/rate and term		82
Up to 70% LTV for cash-out		82
DSCR as low as .75 - qualify using property cash low		82
Asset seasoning 30 days minimum in a U.S. banking institution		82
Foreign assets permitted for reserves		82
Additional reserves are not required for any additional financed properties owned		82
Fixed and adjustable rate mortgages available		82
Interest only options available		82
INVEST IN U.S REAL ESTATE - NO CREDIT SCORE NEEDED		82
Buying or refinancing U.S. real estate as a Foreign National can be difficult with traditional financing. This program serves non U.S. citizen borrowers who want to buy or refinance an investment property. Borrowers can qualify based on the rental income of the property - credit scores are not required to quality.		82
IDEAL FOR:		82
Foreign Nationals living and working outside the U.S.		82
Investors purchasing or refinancing U.S rental property		82
Business purpose, non-owner occupied homes		82
Let's close your real estate transaction with ease and an on-time close and fund.		82
Pamela Climo		82
FOREIGN NATIONALS ITIN FIX-AND-FLIP PROGRAM		83
HAVE YOU THOUGHT ABOUT A FIX & FLIP PROJECTS?		83
THE LENDING CORPORATION CAN HELP WITH THAT!		83
Loan amounts up to $10MM		83
Minimum FICO 500		83
1-4 family eligible		83
First time investors, Foreign Nationals, and ITIN’s welcome		83
Rural properties acceptable		83
Accessory dwelling units allowed		83
Let's close your real estate transaction with ease and an on-time close and fund.		83
Pamela Climo		83
www.thelendingcorporation.com		83
COMMERCIAL		84
LOAN PROGRAMS		84
Let's close your real estate transaction with ease and an on-time close and fund.		85
Pamela Climo		85
(949) 683-7337		85
pclimo@thelendingcorporation.com		85
www.thelendingcorporation.com		85
Company NMLS#:2621251		85
Let's close your real estate transaction with ease and an on-time close and fund.		86
Pamela Climo		86
(949) 683-7337		86
pclimo@thelendingcorporation.com		86
www.thelendingcorporation.com		86
Company NMLS#:2621251		86
Let's close your real estate transaction with ease and an on-time close and fund.		87
Pamela Climo		87
(949) 683-7337		87
pclimo@thelendingcorporation.com		87
www.thelendingcorporation.com		87
Company NMLS#:2621251		87
We Finance		88
CONDO-TELS		88
LTVs up to 85%		88
Loan amounts up to $3.5M		88
500 sq ft. min, functioning kitchen		88
All occupancies		88
All loan programs including DSCR		88
Let's close your real estate transaction with ease and an on-time close and fund.		88
Pamela Climo		88
www.thelendingcorporation.com		88
Don’t Let a Legal Matter Stand Between You and Your Dream Home		89
LegalShield is giving you Legal Protection for Home Buyers and Sellers.		89
With over 50 years in business, LegalShield is dedicated to creating a world where everyone can access and afford legal protection. For a low monthly fee, the LegalShield Preferred Legal Plan gives you the ability to talk to a provider law firm about the personal legal problems you face every day. And as a new home buyer or someone looking to sell your home, there are always legal questions and concerns that can appear during every step of the process.		89
While we help protect your home and family, ask me about real estate financing options.		89
Pamela Climo		89
www.thelendingcorporation.com		89
WORKING CAPITAL/		90
BUSINESS LINES OF CREDIT		90
A Bank Loan		91
without the Hassle		91
THE LENDING CORPORATION – BUSINESS BANK ON US		91
Get fast, flexible financing through our nationwide bank partners — no collateral, limited paperwork, and fixed, tax-deductible rates.		91
Fast, Hassle-Free Funding		91
Loans from $5,000 to $675,000 per location		91
No collateral required up to $750,000		91
Flexible terms up to 24 months		91
No tax returns or financials needed		91
Approvals in 48 hours		91
Funding in 3–5 business days		91
Payments not tied to credit card transactions		91
Early payoff options available		91
Working Capital Loans		91
Why Businesses Choose Us		91
Since 2017, The Lending Corporation has:		91
Partnered with FDIC-insured banks nationwide		91
Provided 17,000+ approvals and $900M+ in funding		91
Supported thousands of merchants with working capital & credit lines		91
Industries We Serve		91
Use Funding For		91
Restaurants		91
Bars		91
Retail		91
Grocery & Liquor Stores		91
Pharmacies		91
Healthcare		91
Automotive		91
Manufacturing		91
Salons & Spas		91
And more		91
Opening or expanding locations		91
Hiring staff		91
Equipment purchases		91
Inventory		91
Renovations		91
Marketing campaigns		91
Boost growth without giving up equity Lines of Credit		91
Access funds anytime; pay interest only on what you use Bridge Loans		91
Finance equipment, renovations, or new locations Flex Pay Loans		91
Defer principal for lower payments now		91
We also support businesses during: slow seasons, tax payments, cash-flow gaps, and unexpected challenges.		91
Pamela Climo		91
www.thelendingcorporation.com		91
CONNECT WITH US		92
pclimo@thelendingcorporation.com (949) 683-7337 www.thelendingcorporation.com		92
Let’s talk financing solutions today!		92

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