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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 |
7.50% |
7.96% |
7.00% |
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% |
