Small Balance

This program offers Construction to mini-perm financing under one loan. Property types include: Office, Retail, and Light Industrial (must have pre-leasing) Multi Family and Assisted Living (no pre-leaseing required).

Loan Amounts from $1,000,000 to $5,000,000

Stated Program

This program is designed for owner users and investor owned properties. Seconds and lines of credit are also available.

Stated Loan Program - $100,000 to $500,000

Bridge-Hard Money

Primarily for income producing value added properties in stable markets. Land and "for sale" housing projects considered on a very selective basis. Provable value, borrower equity and capacity to execute a business plan are critical.

From $1,000,000 and up.

Conventional Portfolio

Typical institututional underwriting. LTV on multi-family up to 80% in select markets. 70% to 75% in most other markets. Property types include multi-family, commercial, MHP, Assisted Living. Some hospitality and gas station loans are still available.

Loans from $500,000 and up.

Hospitality

Flagged Hotels and Motels. Must have inside room entry. Terms of 5+5 yrs with 25yr AM

From $1,000,000 and up

No Prepayment Penalty

Fixed rate 3, 5,7 and 10 year fixed rate programs with no pre-payment penalty. Limited availability on 10 year fixed rate term. All commercial property types including some hospitality. * Program not available in all markets

Loan Amounts from $750,000 to $15,000,000

Church Bond Program

This is a bond placement program. Excellent rates and maximum proceeds are available.

Construction and Permanent Financing from $1,000,000 and up.

Church Loan Portfolio

This is a portfolio product. Church must be operating for a minimum of 3 years with solid leadership.

Construction and Permanent Financing from $1,000,000 and up.

Conduit

Conduit programs in general are not competitive at this time. We will recommend this kind of financing only if there is no viable portfolio program available.

$5,000,000 and up.