Programs - Commercial Programs

Existing buildings:

• 15, 20, 30 year fixed rate

• Up to 95% LTV owner use  80% LTV investor owned

• $200,000 - $1.75Million

• Credit from 575

• Stated programs available

• DTI not required

Lot Loans:

• Loan amounts of $20,000 to $1,000,000

•  Loan amounts up to 65% of the purchase price

• 1st mortgage position only

•  Interest only payments in the first year

• Up to a 3 year terms amortized at a 30 year term

• Full income documentation, self-employed, limited income and stated income programs

• Fast pre-qualification, typically within 1 to 3 business days

• Loans available to Borrowers with excellent to less than perfect credit

• No maximum acreage requirements

Commercial Construction Loans:

• Land purchase may be included in the construction loan

• Self Build Borrowers are welcome

•  Owner and Non-Owner Occupied Commercial properties are eligible

• Loan amounts from $75,000 to $5,000,000

• Up to 18 month terms available (longer terms available on an exception basis)

• Loan amounts up to 75% of the appraised value

• Lot advances up to 75% of the lot purchase price

• 1st mortgage position only

• Interest only payments based on funds drawn

• Full income documentation, self-employed, limited income and stated income programs.