Customer Benefits:

• Program tailored for self-employed small business and commercial real estate investors
• Stated-income, streamlined application process
• No up-front fees
• No appraisal
• Express Decision-credit approval within three business days

Key Features:

• Equity and Refinance loans and lines of credit up to $500,000
• Low closing cost, just 1% of credit amount (Purchase loans-customer also pays title/escrow)
• Secured by commercial, residential, or investment real estate
• All legal entities; individuals, sole proprietors, LLC’s, and corporations
• Wide variety of eligible property types
• Owner-occupied or investor properties
• Property Value up to $2 million
• 1^st and 2^nd lien position
• Term loans with fixed or adjustable rates, commercial equity line of credit (CELOC) and line/loan combo

Loans and Lines of Credit:

• Fixed: 5, 7, 10, 15, and 25 due in 10
• ARMs: 5, 10, 15, and 25 due in 10
• Commercial Equity Line of Credit (CELOC)
• Line/Loan Combo

Eligible Property Types: Office, Light Industrial, Warehouse, Retail, Mixed-Use, Office Condo, Special Purpose, Multifamily Properties, Residential Assisted Living Facilities, Auto Repair, Gas Stations, Mini-Mart, Self-Storage, Fast Food Restaurant, Daycare, Preschool, Convalescent Home, Nursery (Horticulture), Health Club, Gym, and/or Theater