Owner User Programs

  SBA - 7a SBA - 504 Small Conventional Large Conventional
Loan Size $250,000 - $5,000,000 $250,000 - $5,000,000 $250,000 - $3,000,000 $2,000,000 and above
Rate 5.50%  4.96%   4.00%  3.75%
Spread Prime Rate  Not Quoted  Not Quoted  10 YR Teasury
Margin 2.50  Not Quoted  Not Quoted  2.00
Term 25/25  25/25 & 20/20  30/7  25/10
Owner must occupy 51%  51%  25%  25%
LTV (Max) 90%  90%  80%  75%
PrePay 5-3-1  10,9,8,7,6,5,4,3,2,1  SWAP Spread  Yield Maintenance
Adjustments Quarterly  Fixed every 5 yrs  Fixed for Term  Fixed for Term
Loan Fees 2.65%  1.50%  1.00%  0.50 - 0.75%