Programs
Current Interest Rates
Loan Type
Payment
Term
Amortization
Interest Rate
1 Month ARM
Mo, S/A
15 Years
15/25 Years
2.54% - 2.99%
1 Year ARM
Mo, S/A
15 Years
15/25 Years
3.44% - 3.89%
3 Year ARM
Mo, S/A
15 Years
15/25 Years
4.69% - 5.14%
5 Year ARM
Mo, S/A
15 Years
15/25 Years
5.67% - 6.12%
7/1 ARM
Mo, S/A
15 Years
15/25 Years
7.07% - 7.52%
10/1 Year ARM
Mo, S/A
15 Years
15/25 Years
7.19% - 7.64%
15 Year FIXED
Mo, S/A
15 Years
15/25 Years
7.56% - 8.01%
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
660
680
700
