1. Loan Programs and Terms

Loan Types:
We offer a full range of loan programs for commercial real estate, including specialty use properties and land. Both collateralized and non-collateralized options are available.

Loan Sizes:
From $500k to $100+ million, tailored to the scale and nature of the project.

Interest Rate:
Fixed at 4%, subject to qualification and market conditions.

Term Options:

• Short-term: 6 months minimum

• Long-term: Up to 30 years
  We tailor each loan based on borrower needs and project timelines.

Repayment Types:

• Principal & Interest

• Interest Only (based on approval and structure)

Loan-to-Value (LTV):

• Up to 100% of stabilized value or cost

Origination / Exit Fees:

• Origination Fee: 1%

• Exit Fee: As applicable per loan agreement

Security:

• Secured by First Mortgage Lien or Deed of Trust

Recourse:

• Non-recourse, unless otherwise stated in the loan agreement

2. Loan Application & Approval Policy

Eligibility Criteria:

• Creditworthiness, income verification, and asset profile

• Acceptable property type and use

• Complete documentation as outlined in the checklist below

Required Documents (Checklist):

• Government-issued ID (front & back)

• Utility bill with proof of residential address

• Fully executed purchase agreement (if applicable)

• Appraisal or valuation (if applicable)

• 24-month residence history

• Landlord contact info (if renting)

• Employment history and employer details for past 2 years

• Current pay stubs

Application Review & Approval Process:
Loan approval is subject to verification of all submitted information and satisfactory completion of underwriting. We aim to provide decisions within 7–10 business days, depending on deal complexity.

3. Interest Rate & Fee Policy

Interest rates are based on:

• Borrower credit profile

• Loan size and duration

• Market conditions and loan type

Additional Fees:

• No hidden fees

• Origination: 1% flat

• Prepayment penalties: None, unless disclosed in the agreement

• Exit fees: Only where specified

We ensure transparency in all fees and loan cost disclosures.

4. Repayment & Default Policy

Repayment Options:

• Monthly automatic deductions

• Manual payments (by ACH, check, or wire)

• Flexible payment schedules available on request

Missed or Late Payments:

• May incur late fees

• Reported to credit bureaus

• Continued non-payment may trigger default procedures

Default Consequences:

• Collection actions may begin after 60+ days of delinquency

• Potential legal enforcement of lien

• Impact on creditworthiness and future lending

5. Privacy & Data Security Policy

We are committed to protecting your data in compliance with applicable privacy laws such as GDPR and CCPA.

What we do:

• Encrypt and securely store your data

• Perform regular security audits

• Only use personal data for underwriting, servicing, and legal compliance

Data Access & Control:
You may request to access, update, or delete your data by contacting our compliance officer at any time.

6. Customer Service & Complaint Resolution

We value your trust and aim to deliver excellent service throughout the loan lifecycle.

Support Channels:

• Email

• Phone

• Secure online portal

Complaint Resolution Process:

• All complaints are acknowledged within 24 hours

• Investigated and resolved within 5 business days

• Escalation procedures available for unresolved issues