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Programs

Current Interest Rates

Loan Type
Payment
Term
Amortization
Interest Rate
1 Month ARM Mo, S/A 15 Years 15/25 Years 2.48% - 2.93%
1 Year ARM Mo, S/A 15 Years 15/25 Years 2.78% - 3.23%
3 Year ARM Mo, S/A 15 Years 15/25 Years 3.09% - 3.54%
5 Year ARM Mo, S/A 15 Years 15/25 Years 3.66% - 4.11%
7/1 ARM Mo, S/A 15 Years 15/25 Years 4.44% - 4.65%
10 Year VRM Mo, S/A 15 Years 25/30 Years 5.02% - 5.47%
15 Year FIXED Mo, S/A 15 Years 15/25 Years 5.19% - 5.64%

 

Loan Products and Underwriting

 
Non-Facility Loans (Ranch & Row Crop)
 
Standard Loans
Fast Track I
Fast Track II
TDC - Proforma Total Debt Coverage
>1.25X
N/A
N/A
PDC - Property Debt Coverage
>1.00X
N/A
N/A
CR - Proforma Current Ratio
>1.00X
N/A
>1.00X
DA - Proforma Debt / Asset
<50%
<45%
<40%
Loan Size
No Maximum
<$300,000
<$1,000,000
LTV - Loan to Value
<70%
<55%
<55%
Credit Score
680
700
720

 

 

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