PRICING

Pricing Matrix for California

Property Type Positions Loan Amt. Max LTV Interest Rate Terms Pre Pay Loan Program Cost
Single Family
1-4 Units
NOO - O/O*
1st TD $50K-$1Million 65% 8.49% - 9.99% 3-5 years 6 months Interest Only 2%-4%
Single Family
1-4 Units
NOO - O/O*
2nd TD $50K-$1Million 65% 9.49%-11.99% 3-5 years 6 months Interest Only 3%-5%
Fix & Flip 1st TD $50K-$600k 65% ARV 10% 3-12 months none Interest Only 3%-5%
Multi-Family Apartments 1st & 2nd TD's $50K-$1Million 65% 9% - 11% 3-5 years 6 months Interest Only 2.5%-4%
Commercial 1st & 2nd TD's $50K-$1Million 60% 9.5%-11.5% 3-5 years 6 months Interest Only 2%-4%
Mixed Use 1st & 2nd TD's $50K-$1Million 60% 10% - 12.5% 3-5 years 6 months Interest Only 3%-5%
Industrial 1st & 2nd TD's $50K-$1Million 60% 10% - 12.5% 3-5 years 6 months Interest Only 3%-5%
Land 1st TD $50K-$500k 30% 11%-13% 2 years 6 months Interest Only 4%-6%

Lower LTV’s determine if the loan qualifies for a lower interest rate and points

65% LTV’s are considered by a case-by-case basis.

**We do not loan on Owner Occupied (OO) 1-4 Unit properties unless the loan is for business purposes.

Land and construction loans are considered on a case-by-case basis.

All Terms and Rates are subject to change. This rate sheet does not constitute a commitment to lend.

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