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
