Note Financing (Performing And Non Performing)

Loan Program # 1

Territory   Nationwide & International

Amount    $100k - $34M

LTV          65 - 80%

INT           10 - 16%

PTS          3 - 6

TRM         12 - 36 months

PPP          None

Loan Program # 2

Territory   National

Amount    $25k - $2M

LTV          65%

INT           10 - 14%

PTS          3 - 6

TRM         6 - 24 months

PPP          No

Loan Program # 3

TRTY       Nationwide

AMNT      $2M - $100M

LTV          75%  

INT           10 - 12

PTS           2 - 3

TRM         12 - 36

PPP          None

Loan Program #3

TRTY       Nationwide 

AMNT      $100k - No Max

LTV          70 - 75%

INT           10 – 14%

PTS          2 – 4

TRM         12 – 36

PPP          None

Loan Program # 4

TRTY       Nationwide

AMNT      $500k - $15M

LTV          70%

INT           11 - 12%

PTS          5 - 6

TRM         12 months

PPP          No

Loan Program # 5

TRTY       Nationwide

AMNT      $5M - $40M

LTV          75%

INT           11 – 14%

PTS          3 - 6

TRM         1 - 5 years

PPP          None

Caribbean, Central America, South America Lending

Loan Program # 1

TRTY       Nationwide, Caribbean, Mexico, Central America

AMNT      $1M- $300M

LTV          60 - 80%

INT           9 - 12%

PTS          1 - 5

TRM         1 - 7 years

PPP          None

Due Diligence, $0 - $30,000 but all refundable if not funded

Loan Program # 2

Territory   National, Caribbean, Korea, China, Europe, International

AMNT      $1M - $75M  (Best is $2M - $20M)

LTV          65%

INT           12 - 18%

PTS          7 - 10

TRM         6 - 18 months (case by case up to 36)

PPP          No

Borrower needs a minimum of 10 - 15% cash into deal

JV with 25 - 50% to Investor

Loan Program # 3

Territory   Nationwide, Canada, Mexico & Caribbean

AMNT      $150k - $25M

LTV          55%         Non income producing

                  65%         Income producing

                  35%         Land

INT           8 - 16%

PTS          3 - 7

TRM         3 - 60 months

PPP          None

Illinois Purchase And Rehab Lending

Loan Program # 1

TRTY        Chicago Area Only
AMNT       $50k – $5M
LTV          65% ARV up to 100% LTC
INT          14%
PTS         4
TRM         6 – 8 months
PPP         No
Properties: 1 – 4 units and larger apartment buildings
Lender has Borrower escrow all loan payments at closing
Lender has Borrower escrow 6 months PITI of future end loan
1. Term can be up to 10 months, need Lender to know
2. At closing, Borrower gives term of loan in payments to be put in escrow
(example: 7 month loan, 7 months into escrow
3. Lender looks at all loans as exit strategy refinances
Lender qualifies Borrower for end loan as part of underwriting
Lender has Borrower bring to table 6 months PITI of end loan payments


Loan Program # 2

TRTY        Chicago Only
AMNT       $20k – $5M
LTV          70% ARV (Up to 100% LTC)
INT          24 – 36%
PTS          1
TRM          6 – 12 months
PPP          4 month guarantee
Property: 1 – 4 units, Commercial, Apartment Complex, Condos


Loan Program # 3

Territory          Chicago
Amount            $50k – $400k
LTV                 80% of purchase and rehab (but max is 65% of LTV)
INT                 18 – 24%
PTS                 5 (min of $2,500)
TRM                12 months
PPP                 4 months guaranteed
CRDT               600

Will do JV


Loan Program # 4

Refinance Only Lender
TRTY           Chicago Area Only
AMNT          $25k – $1M
LTV             60 – 70%
INT             12 – 20% (15%)
PTS             5
TRM            12 – 24 months
PPP             3 month guarantee

Monetize SBLC, BG, CD's, Bonds, Domestic and Foreign

Monetize

Investment Grade Contracts
SBLC
BG
CD's
Corporate Bonds
Foreign Bonds
Treasury Bonds
Purchase Orders
Invoices
Long Term Contracts

Auto Dealership, Service Station, Mechanic Garage, Lending

Loan Program # 1
TRTY      Nationwide
AMNT     $100k - $6M
LTV        90% O/O
             60% Commercial
INT        Prime + 2.5 - 4.5
PTS       1 - 3
TRM      5 / 20 - 25
PPP       5 / 4 / 3 / 2 / 1
CRDT    660

Will do Construction


Loan Program # 2

TRTY    Nationwide
AMNT   $600k - $4M (in house)
            LTV 60 - 65%
INT      Prime + or T Bill
PTS      2 - 4
TRM     12 - 36 months
CRDT   660 (Experian Only)
Docs    Full Doc Only

Loan Program # 3

Nationwide
Office Buildings    75% LTV                Int Rate  9 - 13%
Apartments          75                         CLTV (IPP Only) 90%
Mixed Use            75                         Points  4 - 6
Malls                   75                         Terms  1 - 3
Warehouse          75                         Amount  $300k - $50M
ALF                    75                         Credit  600
Hotels Flagged     65                         Down Pay Minimum 10%
Auto                   65
Owner Occupied  65
Vacant Bldg         60

Loan Program # 4

Territory      Nationwide
Amount       $500k to $50M
LTV             65%   (100% on construction budget)
INT             12 - 18%
PTS             2 - 13
TRM            12 - 36 months
PPP             No

Commercial, Land and Construction


Loan Program # 5

TRTY      Nationwide
AMNT     $500k - $15M
LTV        70% as is or purchase
             (But, if buy a property at 50% LTV, will give funds for rehab)
INT        11 - 12%
PTS        5 - 6
TRM       12 months
PPP        No

Massachusetts Purchase And Rehab Lending

Loan Program # 1

Territory   MA Only

Amount    $50k - $5M

LTV          70%

INT           12 - 16%

PTS          2 - 3

TRM         3 - 36 months

Purchase/Rehab (Except in Springfield)

Commercial Properties Only

Land development, construction, renovation

Loan Program # 2

Territory   CT, DC, MA, MD, NJ, NY, PA, VA

Amount    $100k - $4M

LTV          Up to 90% (Sometimes from ARV)

                  75% LTC (purchase + rehab)  Standard

INT           15 - 18%

PTS          4

TRM         12 - 24 months

PPP          No

CRDT      620

Borrower needs experience, deal or two in last year

Needs to show money in bank to pay for down payment and carrying costs

Properties include 1 - 4 unit N/O/O, Mixed Use

New Construction: NY, NJ, CT

Loan Program # 3

Territory   Nationwide, MA (Including SPFLD, MA)

AMNT      $50k - 2.5M

LTV          Up to 80%

INT           12 - 18

PTS          2 - 6

TRM         12 - 36 months

PPP          None

CRDT      Credit Used To Determine Loan Program

Loan Program # 4

Commercial Property Purchase & Refinance

Development and Construction

Bank Workouts, BK & Foreclosure, Bridge

Mezzanine, DIP, Heavy Equipment,

No Income/No Asset, No Seasoning Ownership

Territory   MA, ME, NH

Amount    $100k - no max (Springfield $400k – 500k)

LTV          60 - 65%

INT           16%

PTS          4

TRM         12 - 36 months

PPP          4 / 3 / 2 or  3 / 2 / 1

Will do construction, Worcester County East

With cross collateral will give higher LTV

Coins Secured Lending

TRTY       Nationwide

LTV          50 – 60%

                  Collectable Value or Melt Down Value

INT           12 – 16%

PTS          4 – 8

TRM         12 – 24 months

PPP          None

Lenders will also fund loans based on Paintings, Other Art, Autos, Gems,

Minerals, Oil & Gas, Many other types of personal property

Florida Long Term Hard Money Lending

Loan Program # 1

Territory   NY & FL

Amount    $50k - $5M

LTV          Residential 75% / Commercial 65%

Interest    12.25%

Term        3/20 then Prime + 6

Points      2

PPP          No

Credit       Not credit score driven & No Ratios

                  Mortgage lates OK

Loan Program # 2

Commercial Lending & Residential N/O/O

Territory   Nationwide (Prefer Western States)

AMNT      $50k - $10M

LTV          65 - 75%

                  100% LTC of 60% ARV - Purchase/Rehab SFR

INT           12%

PTS          5 - 6

TRM         6 - 36 months

PPP          No

CRDT      680

Condo Conversion, Land, Entertainment Complexes, Hotels

Will do Second Mortgages

Baltimore Purchase And Rehab Lending

Loan Program # 1

Territory      DC, MD, VA (not Baltimore)
Amount       $100k – $5M
LTV             True Hard Money (Decisions based on property, not borrower)
Purch/Rehab based on 60% of ARV
Residential Ground Up Construction, up to 50% of completed value
Vacant Land, up to 50% of appraised value
Commercial, up to 50% of as is or ARV
Cash out refinance, up to 50% of appraised value
JV opportunities for land development projects, $1M or more
Borrowers No CRDT
No Tax Returns
No 1003
No Income check
Equity in property only
INT      14%
PTS      4 – 6
TRM     6 month balloon notes, no monthly mortgage payments
           12 months with payments or interest reserves
PPP      No


Loan Program # 2

Territory       CT, DC, DE, MA, MD, NC, NJ, NY, PA, VA, WV,
Amount       $250 – $5M
LTV             100% LTC of 65% ARV
INT             13 – 15%
PTS             3 – 5
TRM           12 months
PPP            No

Residential Investor Lending: DC, MD, VA
Commercial Lending, all othe states


Loan Program # 3

Territory     DC, MD, VA
Amount     $50k – $1M ($5M for condo conversion)
LTV          100% LTC of 65% ARV (exceptions to 70%) Won’t do Baltimore Inner City
INT          12%
PTS          4 – 6
TRM         6 – 12 months
PPP          No

No monthly payment of 6 month loan
Purchase/Rehab, Land & Construction, Foreclosure Purchase, Short Sale Purchase
No Credit Requirements
Borrower has to have 10 – 15% of loan amount into deal
Borrower pays pts and closing costs, deal 1 and 2 – thereafter rolled into loan

Loan Program # 4

Territory      AZ, CO, GA, ID, MD, NC, NB, NM, NV, OR, TX, UT, VA, WA, WV
AMNT         $50k – $250K ($350k House)
LTV            100% of purchase to 70% ARV (Only lends on SFR)
INT            15%
PTS            5.5
TRM           6 months (2 months for 2 points)
PPP           No
CRDT        620 (under 620 is 18% and 1 point)

EXAMPLE $150,000 ARV
- $20,000 Rehab
= $130,000 Sub Total
x 70% Loan Calculation
$91,000 Loan Amount
+ 5,000 Points
= $96,000 Total Loan Amount
Borrower pays all rehab cost and closing costs


Loan Program # 5

Territory Purch/Rehab CT, DC, MA, MD, NH, NJ, NY, PA, RI
Phil, DC, Baltimore – 100% purchase + rehab (of 65% ARV)
CT, MA, RI – 30% DP, 100% of Rehab
All others, 60% of as is or 80% of purchase whatever is lower
Amount       $100k – no max
LTV            See Above
INT            16%
PTS            4
TRM           6 – 12 months
PPP           No
CRDT        640
Borrower needs 10 – 15% of the purchase price into project,
plus points and closing costs


Loan Program # 6

Territory        National
Amount        $150k (Tri State Area) $250 outside area – No Max
LTV              95% purchase + rehab
INT              11 – 15%
PTS              4
TRM             6 – 36 months
PPP              No
Docs Needed: Credit report, 1003, Use of Funds, Exit Strategy, Photos, Comps
Bridge Loans Land (NYC Only)
No JV


Loan Program # 7

Territory        DC, DE, MD, OH (middle of state only, Cincinnati, VA
Amount        $50k – $2M
LTV              65% ARV
INT              12 – 15%
PTS              3 – 8 (5)
TRM             12 months
PPP               No
Will lend up to 65% ARV and will fund 100% of the deal
Docs Required : 1003
Credit Report
Estimate of Repair
P & S Agreement
Comps
Old Appraisal
Photos
Builders Risk Policy


Loan Program # 8

TRTY         MD (including Baltimore)
AMNT        $15k – $250k
LTV           60 – 65% ARV (100% of 65% ARV)
INT           15%
PTS           5 (minimum $2500)
TRM          6 months (will give 2 extensions of 3 months)
PPP           No
RSVS        10% of ARV
If LTV low enough, will fund all = Purch/Rehab/Pts/Cl Costs
Draws: Reimbursement (2 draws)
Purchase and Refinance


Loan Program # 9

Territory       DC, South MD, North VA (No Baltimore)
AMNT          $50k – $1.5M
LTV             100% LTC of 50% ARV
INT             14%
PTS             4 – 6
TRM            6 – 12 months
PPP             No
CRDT          No
Income        No
Purchase/Rehab, Commercial, New Construction, Land, Condo
Condo Conversion, C/O Refinance
JV, Borrower has land they provide funds


Loan Program # 10

Specializes in Commercial & Residential Purchase / Rehab
Territory Phil & E PA; S NJ; N DE; MD Cecil County (Residential)
Nationwide Commercial
Amount         $30k – $10M
LTV               65% ARV (100% of purch/rehab to 60% ARV)
INT               16
PTS              10 ($6,000 min)
TRM              6 – 12
PPP               No
CRDT            660
Commercial Bridge, Residential Bridge, Land & Purch / Rehab

DC Purchase And Rehab Lending

Loan Program # 1

Territory      DC, MD, VA (not Baltimore)
Amount       $100k – $5M
LTV             True Hard Money (Decisions based on property, not borrower)
Purch/Rehab based on 60% of ARV
Residential Ground Up Construction, up to 50% of completed value
Vacant Land, up to 50% of appraised value
Commercial, up to 50% of as is or ARV
Cash out refinance, up to 50% of appraised value
JV opportunities for land development projects, $1M or more
Borrowers No CRDT
No Tax Returns
No 1003
No Income check
Equity in property only
INT      14%
PTS      4 – 6
TRM     6 month balloon notes, no monthly mortgage payments
           12 months with payments or interest reserves
PPP      No


Loan Program # 2

Territory       CT, DC, DE, MA, MD, NC, NJ, NY, PA, VA, WV,
Amount       $250 – $5M
LTV             100% LTC of 65% ARV
INT             13 – 15%
PTS             3 – 5
TRM           12 months
PPP            No

Residential Investor Lending: DC, MD, VA
Commercial Lending, all other states



Loan Program # 3

Territory     DC, MD, VA
Amount     $50k – $1M ($5M for condo conversion)
LTV          100% LTC of 65% ARV (exceptions to 70%) Won’t do Baltimore Inner City
INT          12%
PTS          4 – 6
TRM         6 – 12 months
PPP          No

No monthly payment of 6 month loan
Purchase/Rehab, Land & Construction, Foreclosure Purchase, Short Sale Purchase
No Credit Requirements
Borrower has to have 10 – 15% of loan amount into deal
Borrower pays pts and closing costs, deal 1 and 2 – thereafter rolled into loan

Loan Program # 4

Territory      AZ, CO, GA, ID, MD, NC, NB, NM, NV, OR, TX, UT, VA, WA, WV
AMNT         $50k – $250K ($350k House)
LTV            100% of purchase to 70% ARV (Only lends on SFR)
INT            15%
PTS            5.5
TRM           6 months (2 months for 2 points)
PPP           No
CRDT        620 (under 620 is 18% and 1 point)

EXAMPLE $150,000 ARV
- $20,000 Rehab
= $130,000 Sub Total
x 70% Loan Calculation
$91,000 Loan Amount
+ 5,000 Points
= $96,000 Total Loan Amount
Borrower pays all rehab cost and closing costs


Loan Program # 5

Territory Purch/Rehab CT, DC, MA, MD, NH, NJ, NY, PA, RI
Phil, DC, Baltimore – 100% purchase + rehab (of 65% ARV)
CT, MA, RI – 30% DP, 100% of Rehab
All others, 60% of as is or 80% of purchase whatever is lower
Amount       $100k – no max
LTV            See Above
INT            16%
PTS            4
TRM           6 – 12 months
PPP           No
CRDT        640
Borrower needs 10 – 15% of the purchase price into project,
plus points and closing costs


Loan Program # 6

Territory        National
Amount        $150k (Tri State Area) $250 outside area – No Max
LTV              95% purchase + rehab
INT              11 – 15%
PTS              4
TRM             6 – 36 months
PPP              No
Docs Needed: Credit report, 1003, Use of Funds, Exit Strategy, Photos, Comps
Bridge Loans Land (NYC Only)
No JV


Loan Program # 7

Territory        DC, DE, MD, OH (middle of state only, Cincinnati, VA
Amount        $50k – $2M
LTV              65% ARV
INT              12 – 15%
PTS              3 – 8 (5)
TRM             12 months
PPP               No
Will lend up to 65% ARV and will fund 100% of the deal
Docs Required : 1003
Credit Report
Estimate of Repair
P & S Agreement
Comps
Old Appraisal
Photos
Builders Risk Policy


Loan Program # 8

TRTY         MD (including Baltimore)
AMNT        $15k – $250k
LTV           60 – 65% ARV (100% of 65% ARV)
INT           15%
PTS           5 (minimum $2500)
TRM          6 months (will give 2 extensions of 3 months)
PPP           No
RSVS        10% of ARV
If LTV low enough, will fund all = Purch/Rehab/Pts/Cl Costs
Draws: Reimbursement (2 draws)
Purchase and Refinance


Loan Program # 9

Territory       DC, South MD, North VA (No Baltimore)
AMNT          $50k – $1.5M
LTV             100% LTC of 50% ARV
INT             14%
PTS             4 – 6
TRM            6 – 12 months
PPP             No
CRDT          No
Income        No
Purchase/Rehab, Commercial, New Construction, Land, Condo
Condo Conversion, C/O Refinance
JV, Borrower has land they provide funds


Loan Program # 10

Specializes in Commercial & Residential Purchase / Rehab
Territory Phil & E PA; S NJ; N DE; MD Cecil County (Residential)
Nationwide Commercial
Amount         $30k – $10M
LTV               65% ARV (100% of purch/rehab to 60% ARV)
INT               16
PTS              10 ($6,000 min)
TRM              6 – 12
PPP               No
CRDT            660
Commercial Bridge, Residential Bridge, Land & Purch / Rehab

Maryland Purchase And Rehab Lending

Loan Program # 1

Territory      DC, MD, VA (not Baltimore)
Amount       $100k – $5M
LTV             True Hard Money (Decisions based on property, not borrower)
Purch/Rehab based on 60% of ARV
Residential Ground Up Construction, up to 50% of completed value
Vacant Land, up to 50% of appraised value
Commercial, up to 50% of as is or ARV
Cash out refinance, up to 50% of appraised value
JV opportunities for land development projects, $1M or more
Borrowers No CRDT
No Tax Returns
No 1003
No Income check
Equity in property only
INT      14%
PTS      4 – 6
TRM     6 month balloon notes, no monthly mortgage payments
           12 months with payments or interest reserves
PPP      No


Loan Program # 2

Territory       CT, DC, DE, MA, MD, NC, NJ, NY, PA, VA, WV,
Amount       $250 – $5M
LTV             100% LTC of 65% ARV
INT             13 – 15%
PTS             3 – 5
TRM           12 months
PPP            No

Residential Investor Lending: DC, MD, VA
Commercial Lending, all other states


Loan Program # 3

Territory     DC, MD, VA
Amount     $50k – $1M ($5M for condo conversion)
LTV          100% LTC of 65% ARV (exceptions to 70%) Won’t do Baltimore Inner City
INT          12%
PTS          4 – 6
TRM         6 – 12 months
PPP          No

No monthly payment of 6 month loan
Purchase/Rehab, Land & Construction, Foreclosure Purchase, Short Sale Purchase
No Credit Requirements
Borrower has to have 10 – 15% of loan amount into deal
Borrower pays pts and closing costs, deal 1 and 2 – thereafter rolled into loan

Loan Program # 4

Territory      AZ, CO, GA, ID, MD, NC, NB, NM, NV, OR, TX, UT, VA, WA, WV
AMNT         $50k – $250K ($350k House)
LTV            100% of purchase to 70% ARV (Only lends on SFR)
INT            15%
PTS            5.5
TRM           6 months (2 months for 2 points)
PPP           No
CRDT        620 (under 620 is 18% and 1 point)

EXAMPLE $150,000 ARV
- $20,000 Rehab
= $130,000 Sub Total
x 70% Loan Calculation
$91,000 Loan Amount
+ 5,000 Points
= $96,000 Total Loan Amount
Borrower pays all rehab cost and closing costs


Loan Program # 5

Territory Purch/Rehab CT, DC, MA, MD, NH, NJ, NY, PA, RI
Phil, DC, Baltimore – 100% purchase + rehab (of 65% ARV)
CT, MA, RI – 30% DP, 100% of Rehab
All others, 60% of as is or 80% of purchase whatever is lower
Amount       $100k – no max
LTV            See Above
INT            16%
PTS            4
TRM           6 – 12 months
PPP           No
CRDT        640
Borrower needs 10 – 15% of the purchase price into project,
plus points and closing costs


Loan Program # 6

Territory        National
Amount        $150k (Tri State Area) $250 outside area – No Max
LTV              95% purchase + rehab
INT              11 – 15%
PTS              4
TRM             6 – 36 months
PPP              No
Docs Needed: Credit report, 1003, Use of Funds, Exit Strategy, Photos, Comps
Bridge Loans Land (NYC Only)
No JV


Loan Program # 7

Territory        DC, DE, MD, OH (middle of state only, Cincinnati, VA
Amount        $50k – $2M
LTV              65% ARV
INT              12 – 15%
PTS              3 – 8 (5)
TRM             12 months
PPP               No
Will lend up to 65% ARV and will fund 100% of the deal
Docs Required : 1003
Credit Report
Estimate of Repair
P & S Agreement
Comps
Old Appraisal
Photos
Builders Risk Policy


Loan Program # 8

TRTY         MD (including Baltimore)
AMNT        $15k – $250k
LTV           60 – 65% ARV (100% of 65% ARV)
INT           15%
PTS           5 (minimum $2500)
TRM          6 months (will give 2 extensions of 3 months)
PPP           No
RSVS        10% of ARV
If LTV low enough, will fund all = Purch/Rehab/Pts/Cl Costs
Draws: Reimbursement (2 draws)
Purchase and Refinance


Loan Program # 9

Territory       DC, South MD, North VA (No Baltimore)
AMNT          $50k – $1.5M
LTV             100% LTC of 50% ARV
INT             14%
PTS             4 – 6
TRM            6 – 12 months
PPP             No
CRDT          No
Income        No
Purchase/Rehab, Commercial, New Construction, Land, Condo
Condo Conversion, C/O Refinance
JV, Borrower has land they provide funds


Loan Program # 10

Specializes in Commercial & Residential Purchase / Rehab
Territory Phil & E PA; S NJ; N DE; MD Cecil County (Residential)
Nationwide Commercial
Amount         $30k – $10M
LTV               65% ARV (100% of purch/rehab to 60% ARV)
INT               16
PTS              10 ($6,000 min)
TRM              6 – 12
PPP               No
CRDT            660
Commercial Bridge, Residential Bridge, Land & Purch / Rehab

California Long Term Hard Money Loans

Loan Program # 1

Territory   AK, CA, CO, GA, ID, MT, NV, NY, OK, OR, TX, WA, WV

Amount    $10k - $9M  

LTV          65 - 70%      (65% ARV of 100% LTC, Purchase/Rehab)

                  70%              Purchases

INT           10 - 15%

PTS          5

Term        12 - 60 months

PPP          3 month interest guarantee

Wants Summary Sent First

$500 processing fee after approval

Will Do Construction

Fees:  Doc prep fee $500 - 2500 and collection account set up

            fee of $220 plus $1 per $1000 of loan amount

            All costs can be rolled into loan

Docs Needed:         1003

                                   Credit

                                    Company Financials (if legal entity)

                                   Privacy Notice signed by borrower

                                   P & S Agreement

                                   Preliminary Title Report

                                   Estimate of Repair

                                   Architect Plans (if needed)

                                   Comps

                                   Photos

                                   Borrower Experience Letter

Loan Program # 2

TRTY       CA Only

AMNT      $200k - $2M

LTV          60%

INT           9 - 14%

PTS          2 - 6

TRM         12 - 60 months

PPP          None

Loan Program # 3

Territory   CA Only

Amount    $100k - $2M

LTV          Rehab : 50% as is or purchase  /  Commercial 60% as is or purchase

INT           11 - 12%

PTS          2 - 3

Term        10 year balloon I/O

PPP          3 months

RSVS       No

Credit       Not fico driven

Loan Program # 4

Territory   CA, NV, OR, WA

Amount    $200k - $5m

LTV          65%

INT           9.5 - 12

PTS          3 - 5

Term        12 - 60 months

PPP          6 month guarantee

Loan Program # 5

Territory   CA, OR, NV, WA, TX, UT, CO, HI

Amount    $300k - $6.5M

LTV          65% on 1st  &  2nd mortgages  /  40% on entitled land

INT           9.75 - 13%

PTS          3 - 5         

TRM         12 - 60 months

PPP          None

CRDT      Not Credit Driven

TRTY       CA Only

Loan Program # 6

AMNT      $100k - $1M

LTV          65% of appraised value

INT           10 - 12.5%

PTS          3 - 5         

TRM         12 - 60 months

PPP          No

CRDT      Not FICO driven

SFR, Condo, Mixed, Commercial, Seconds

Loan Program # 7

Territory   AK, CA, CO, HI, ID, NV, OR, TX, UT, WA

Amount    $100 - $3M

LTV          60 - 70%

INT           10 - 12%

PTS          3 - 4

Term        12 - 60 months

PPP          No

Credit       600