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Commercial Financing

$10 Million Plus

Program #1: JV Partnership

LTV:                 100% financing

Amortization:    15-30 Years

Term:                15-30 years

Rate:                  5.50% - 7.50%

Pre-pay Penalty:    None

Closing Time Frame:    60-75 days

Program #2:

LTV:            up to 90%

Amortization:    15-30 Years

Term:            15-30 years

Rate:                5.50%-7.50%

Pre-pay:        None

Closing Time Frame:    15-30 days