Owner-occupant term loan guidelines:

• Up to 10-year terms, with up to 30-year amortization -- or up to 25 years, fully amortized
• Up to 75% loan-to-value ratio; higher loan to values are available on an exception basis
• Pricing options: fixed rate loans or LIBOR-based adjustable rate loans (Including option to convert to fixed during first three years)
• Variable prepayment options available on fixed rate loans
• Costs: Appraisal, environmental report, and other reports as necessary

Other financing is available for owner-occupants:

• Combination construction/permanent loans priced at reference rate plus spread during construction; upon completion, converts to standard term loan program
• Small Business Administration 504s available for property purchase or construction projects offering up to 90% leverage
• Secured lines of credit
• Letters of credit for industrial development bonds and tax-exempt revenue bonds for property purchase or construction projects