Rates

Loan Guidelines & Rates
Security	1st Position Deed of Trust
Property Type	Non-Owner Occupied
Leverage	65% of Purchase Price
Deferred Payments	No Extra Charge
Funding Fee	No Extra Charge
Appraisal Fee	No Extra Charge
Processing Fee	No Extra Charge
Early Payoff Fee	No Extra Charge
Servicing Fee	No Extra Charge

Loan Format
Lending Area	Southern California
Loan Amounts	$250,000 to $1,000,000+
3 – 18 Month Note	7.95% Interest
Points	1.0% – 2.0%
Loan Fee	$995
Loan Extensions	Automatic if requested

Disclosures

Per FDIC Regulations Section 6500, Part 226, Subpart C, 226.24.
The amount of each payment that will apply over the term of the loan is based on compound annual interest applied to the unpaid balance.
Loans range from 3 months to 18 months, are interest only and include a balloon payment due at term. All loans include a default interest rate.
Finance charges apply. Interest and fees are based on risk and equity. This is not a commitment to lend. Payments do not include amounts for
property taxes or insurance. One year prepaid property insurance required. Posted rates apply to cost ratios of 75% and below. Minimum
lender origination charge = $2,975. Loan documents = $685. Processing = $295. Lender’s title insurance is required. Interest of 7.95% for 6
months with one percent in points on $400K = 9.99% APR. Personal guarantee required on all loans.