Residential Lending Guidelines

California, Arizona, Nevada ONLY

Purchase or Refinance

Loan Size: $25K to $10 Million

Property Types: All Residential Properties Considered

Rate: 10% to 14% Interest Only

Security: 1^st Mortgages from $100K to $10 Million

                2^nd Mortgages from $25K to $1 Million

LTV: Up to 70% LTV

Costs: 3 to 5 Points

Closing Time: 5 to 10 Business Days

Underwriting: Very Creative

Documentation: Appraisal if available, Color photos if not

                        Loan Application – 1003

                        Credit Report

                        Preliminary Title Report

                        Purchase Contract, if a Purchase

                        Rent Rolls and/or Leases and/or P & L

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