|
|
|
|
Other Loan Programs
|
Product
|
Type
|
Maximum
|
Term
|
LTV
|
CLTV
|
Caps
|
Index
|
Margin
|
|
1-4 Family Construction
|
Pre-Sold
|
1,000,000
|
6 Months
|
80
|
80
|
None
|
Prime
|
1.00
|
| |
Pre-Sold
|
1,000,000
|
9 Months
|
80
|
80
|
None
|
Prime
|
1.25
|
| |
Speculative
|
1,000,000
|
9 Months
|
70
|
70
|
None
|
Prime
|
1.50
|
| |
Speculative
|
1,000,000
|
12 Months
|
70
|
70
|
None
|
Prime
|
1.75
|
|
1-4 Family Second Mortgage
|
HELOC
|
1,000,000
|
240 Months
|
80
|
NA
|
1,6
|
Prime
|
1.00
|
| |
Fixed
|
1,000,000
|
180 Months
|
80
|
NA
|
Fixed
|
Fixed
|
Fixed
|
| |
6 month ARM
|
1,000,000
|
180 Months
|
80
|
NA
|
1,6
|
Prime
|
1.00
|
|
Lots and Vacant Land
|
Improved Lot
|
1,000,000
|
24 Months
|
75
|
85
|
Fixed
|
Fixed
|
Fixed
|
| |
Unimproved Lot
|
1,000,000
|
24 Months
|
70
|
80
|
Fixed
|
Fixed
|
Fixed
|
| |
Commercial Lot
|
1,000,000
|
24 Months
|
70
|
70
|
None
|
Prime
|
3.00
|
| |
Land
|
1,000,000
|
24 Months
|
60
|
60
|
None
|
Prime
|
4.00
|
|
Multi-Family Properties
|
3 Year ARM
|
1,000,000
|
300 Months
|
75
|
75
|
None
|
5yr T-Bill
|
325
|
| |
5 Year ARM
|
1,000,000
|
300 Months
|
75
|
75
|
None
|
5yr T-Bill
|
350
|
| |
Construction
|
1,000,000
|
12 Months
|
75
|
75
|
None
|
Prime
|
2.00
|
|
Commercial Properties
|
3 Year ARM
|
1,000,000
|
300 Months
|
75
|
75
|
None
|
5yr T-Bill
|
350
|
| |
5 Year ARM
|
1,000,000
|
300 Months
|
75
|
75
|
None
|
5yr T-Bill
|
375
|
| |
Construction
|
1,000,000
|
12 Months
|
75
|
75
|
None
|
Prime
|
2.00
|
|
Small Business Credit
|
Line of Credit
|
200,000
|
12 Months
|
NA
|
NA
|
None
|
Prime
|
100 - 400
|
| |
Term Loan
|
400,000
|
up to 84 Months
|
NA
|
NA
|
None
|
Prime
|
100 - 400
|
| |
Term Loan
|
400,000
|
up to 84 Months
|
NA
|
NA
|
None
|
Prime
|
100 - 400
|
|
Consumer Loans
|
Auto - New
|
50,000
|
up to 72 Months
|
90
|
NA
|
Fixed
|
Fixed
|
NA
|
| |
Auto - Used
|
50,000
|
up to 48 Months
|
90
|
NA
|
Fixed
|
Fixed
|
NA
|
| |
Boat/RV
|
100,000
|
up to 120 Months
|
90
|
NA
|
Fixed
|
Fixed
|
NA
|
| |
COD Secured
|
NA
|
< or equal to COD
|
95
|
NA
|
Fixed
|
Fixed
|
1.00 - 2.00
|
| |
Unsecured
|
100,000
|
up to 48 Months
|
NA
|
NA
|
Fixed
|
Fixed
|
NA
|
|
|
|
|
|
|
|
