• True Fixed rate loan terms

(no adjustment to LIBOR or other)

• Third party escrow closing

(protecting closing funds)

• Online Pre-Qualification

• Credit approval in 24 to 48 hours

Click here to apply online

Loan to Value	Loan Amount	25 Year	20 Year	15 Year	10 Year
Credit Rating 660-679
Up to 70%	Up to $400,000	8.750	8.375	8.125	8.000
Credit Rating 680-719
Up to 60%	Up to $400,000	8.750	7.625	7.375	7.250
Credit Rating 720 (and higher)
Up to 60%	Up to $400,000	7.500	7.125	6.875	6.750
Up to 60%	$400,000 - $1,400,000	7.750	7.375	7.125	7.000
Up to 60%	$1,400,000 - $1,750,000	8.000	7.625	7.375	7.250
60.01% - 70%	Up to $400,000	7.625	7.250	7.000	6.875
60.01% - 70%	$400,001 - $599,999	7.875	7.500	7.250	7.125
60.01% - 70%	$600,000 - $850,000	8.125	7.750	7.500	7.375
70.01% - 75%	Up to $400,000	8.125	7.750	7.500	7.375
75.01% - 80%	Up to $400,000	8.375	8.000	7.750	7.625
Credit Rating 750 (and higher)
Up to 60%	Up to $400,000	7.250	6.875	6.625	6.500
Construction Phase
Interest Rates:	Prime plus 1.5% floating (prime is 8.25% as of 9/27/06)
Loan to Value:	Based on permanent financing guidlines (approx 60 to 80% LTV)
Prepay Penalty:	3% of the amount prepaid during the construction phase
Constuction Fee:	$1,100 (cost of five progress and one final inspection)
Construction Admin Fee:	50 basis points ($min $750 and max $2,500)
Construction Phase:	9,12 or 18 months available
Properties:	Single family detached - vaction homes
Non-Completion Premium:	50 basis points of loan amount if not complete by construction maturity
Permanent Financing
Interest Rates:	Rates posted on Website plus:
	1/8% for 9 month construct phase
	1/4% for 12 month construct phase
	3/8% for 18 month construct phase
Prepayment Penalty:	3-2-1
	3% first year
	2% second year
	1% third year
Terms Available:	25 year fixed - posted rates + 3/8%
	20 year fixed - rates posted on site
	15 year fixed - posted rates less 1/4%
	10 year fixed - posted rates less 3/8%

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