• Fixed rate option 15 years interest only
• No prepayment penalty
• ARM products provide

  Interest caps:	3-1 ARM	5-1 ARM	7-1 ARM
  Lifetime cap	6%	5%	5%
  Per Adjustment	2%	2%	2%
  1st Adjustment	2%	2%	5%

• ARM products provide interest Only payments for first 10 years then amortizes over remaining 20 years
• Conversion Option available on construction product; converts to fully-amortizing fixed rate loan
• Low $250 conversion fee

• 3-1, 5-1, 7-1 ARM
• 30 year amortization
• Minimum loan amount of $70,000
• Maximum loan amount - Conforming FNMA limits
• Maximum 90% LTV on purchase, construction, purchase rehab, refinance
• Owner-occupied residence,second homes

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