• Rates start at 1% below Prime Rate; rate based on borrower's earned rate lending score.
• An adjustable rate loan indexed to Prime Rate*
• An open-ended line of credit.
• No minimum advance required.
• Low minimum payment: just 1% of outstanding balance**
• Lifetime rate cap: 18%
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• Fixed Rate for five years, adjusts annually thereafter
  
• Index:  11th District Cost of Funds
• 20-year term, amortized 30 years for more affordable payments
  
• Annual rate cap: 1%   Lifetime rate cap: 5%
• Rate based on LTV and borrower's earned rate lending score.
                                                                                                      View Rates

• Adjustable Rate Loan
• Index:  11th District Cost of Funds
• 15-year term
• Annual rate cap: 1%   Lifetime rate cap: 5%

*A variable rate loan. Rate indexed to the Prime Rate as published in the Wall Street Journal and may increase or decrease during the term of the loan. Changes are based on a corresponding increase or decrease in the published Prime Rate.
**Minimum payment increases to 1.5% of outstanding balance if the loan rate reaches 12%. 

Our experienced Real Estate Lending staff can give you honest and expert advice as you compare options. Call for an appointment.