BIG REGULATORY CHANGES
- Dropping 11 States for ANY Loan - Dropping 16 States for N.O.O.
- Minimum FICO of 675 (Experian) - Newer (or Newly Updated) Buildings

Multi-Use Properties (Lines #1 to #3 on Rate Sheet) for Own.Occ. in 39 States:

• LTV to 90% for Owner-Occupied Purchases/Refinances with SBA-504b
• LTV to 65% for Investor Purchases/Refinances (34 States)
  
  

Semi-Generic Properties (Lines #4 to #10) for O.O. in 39 States; N.O.O. in 34:

• LTV to 85% for Owner-Occupied Purchases/Refinances with SBA-504b (39 States)
• LTV to 60% for Investor (N.O.O.) Purchases/Refinances (34 States)
  
  

Special-Use Properties (Lines #11 to #17) O.O. in 39 States; N.O.O. in 34:

• LTV to 80% for Owner-Occupied Purchases/Refinances with SBA-504b (39 States)
• LTV to 55% for Investor (N.O.O.) Purchases/Refinances (34 States)
  
  

*	2.5% Bank-Paid Broker Fee - Owner Occupied
*	1.5% Broker Fee on Investor-Held -
*	39 States for Owner-Occupied Properties
*	34 States for Investor-Held (NOO) Prop.
*	$50,000 Minimum Loan Amount
*	$3,000,000 to $8,000,000 Loan Maximum
*	10 to 20 Day Closings Possible (NOT SBA)
*	4.55% (and up) Floating Interest Rates
*	5.125% (and up) Fixed Interest Rates
*	675 Minimum Experian FICO
*	CONSTRUCTION (Commercial) Only
*	FULL-DOC LOANS ONLY!

SOME IMPORTANT “LINKS” FOR YOU:

• “Broker-ONLY” Website Access – CLICK HERE
• Current RATE SHEET & Guidelines - RATE SHEET