Owner Occupied Property Financing

Loan Program Features $500K and up with no Maximum

Loan Terms                     Fixed Rates for 3mos, 2yr, 5yr, 10 and 30 year Terms

Ammortization                 15 - 30 years

Loan-to-Value                 Up to 90%

Debt Service Ratio           1.20 or more

Closing Time                   30 - 60 Days

Rate Lock Period             30-60 Days

Reserves                       Vary

Prepayment Options        Flexible with Declining Fixed Prepays,  Defeasance and Yield Maintenance (program dependent)

Recourse                       Some loans are non-recourse with the exception of required carve outs, others are vairous levels of recourse depending on LTV

Initial 3rd Party Fees        $5,000 and up

Cash Out Refinancing        Available

Note: **   Stated and Full documentation programs available nationwide for these Owner Occupied Commercial Loan Programs.