| Series 100 | So. California & San Diego Only/ Rates posted for Loan >$750,000/Lower loan amounts=Rate Increase up to.25% |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 3 Yr Fixed | 3.25% | 2.750% | 3 Yr CMT | 8.25% | 1.20 | 75/75/75 | 30/10 | 2,1% | $400,000-$8,000,000 |
| 5 Yr Fixed | 3.35% | 2.750% | 5 Yr CMT | 8.35% | 1.20 | 75/75/75 | 30/10 | 3,3,2,1% | $400,000-$8,000,000 |
| 7 Yr Fixed | 3.50% | 2.750% | 7 Yr CMT | 8.50% | 1.20 | 75/75/75 | 30/10 | 4,3,3,2,2,1% | $400,000-$8,000,000 |
| Series 200 | Los Angeles, Orange,San Diego, Ventura,Santa Barbara, Riverside, San Bernardino/Rates Posted for loans> $750,0000 |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 6 Mo. Arm | 4.50% | 2.50% | 6 Mo. Libor | 10.50% | 1.20 P/RT/CO | 75/75/65 | 30/30 | 1,1,1% | $100,000-$7,000,000 |
| 3 Yr Fixed | 3.40% | 2.50% | 6 Mo. Libor | 9.40% | 1.20 P/RT/CO | 75/75/65 | 30/30 | 3,2,1% | $100,000-$7,000,000 |
| 5 Yr Fixed | 3.50% | 2.50% | 6 Mo. Libor | 9.50% | 1.20 P/RT/CO | 75/75/65 | 30/30 | 3,3,2,1,1% | $100,000-$7,000,000 |
| Series 300 | Throughout California-Primary Markets near Core Employment-Secondary Markets LTV's may be lower |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 1 YR. Fixed | 3.25% | 3.125% | 6 Mo Libor | 9.25% | 1.20-1.20 | 75/75/70 | 30/30 | 2-1-1% | $500,000-$6.000,000 |
| 3 YR. Fixed | 3.40% | 3.125% | 6 Mo Libor | 9.40% | 1.20-1.20 | 75/75/70 | 30/30 | 3-2-1% | $500,000-$6.000,000 |
| 5 Yr. Fixed | 3.45% | 3.125% | 6 Mo Libor | 9.45% | 1.20-1.20 | 75/75/70 | 30/30 | 5-4-3-2-1% | $500,000-$6.000,000 |
| 7 Yr. Fixed | 3.70% | 3.125% | 6 Mo Libor | 9.70% | 1.20-1.20 | 75/75/70 | 30/30 | 5-4-3-3-2-2-1% | $500,000-$6.000,000 |
| Series 400 | Los Angeles, Orange, Santa Barbara, Ventura, and San Diego / Loans>2.5 mill.=less 10bps, loans >50%LTV + .10bps |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 6 Mo ARM | 3.20% | 2.75% | 6 Mo Libor | 9.95% | 1.20 | 65/65/65 | 30/30 | 2,1,1% | $500,000- $10,000,000 |
| 3 Yr Fixed | 3.60% | 2.50% | 6 Mo Libor | 9.95% | 1.20 | 65/65/65 | 30/30 | 3,2,1% | $500,000- $10,000,000 |
| 5 Yr Fixed | 3.50% | 2.50% | 6 Mo. Libor | 9.95% | 1.20 | 65/65/65 | 30/30 | 5,4,3,2,1% | $500,000- $10,000,000 |
| 7 Yr Fixed | 3.70% | 2.50% | 6 Mo. Libor | 9.95% | 1.20 | 65/65/65 | 30/30 | 5,5,4,4,3,2,1% | $500,000- $10,000,000 |
| 10 Yr. Fixed | 4.05% | 2.50% | 6 Mo. Libor | 9.95% | 1.20 | 65/65/65 | 30/30 | 5,5,4,4,3,3,2,2,1,1% | $500,000- $10,000,000 |
| Series 500 | Western region-AZ,CA,CO,ID,NV,OR,TX,UT,WA/ Reduce rate 10bps for loans 50% LTV and a minimum 1.30DCR |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 5 Yr Fixed | 3.40% | 2.50% | 6 Mo Libor | 9.50% | 1.20P/1.20R | 75/75/75 | 30/30 | 3-3-2-2-1% | $2,000,000-$15,000,000 |
| 7 Yr Fixed | 3.40% | 2.50% | 6 Mo Libor | 9.50% | 1.20P/1.20R | 75/75/75 | 30/30 | 4-3-2-2-1% | $2,000,000-$15,000,000 |
| 10 Yr Fixed | 3.60% | 2.50% | 6 Mo. Libor | 9.50% | 1.20P/1.20R | 75/75/75 | 30/30 | 5-5-4-4-3-3-2-2-1-1% | $2,000,000-$15,000,000 |
| Series 600 | Top/Standard Markets western Region: AK,AZ,CA,HI,ID,NV,OR,UT, and WA/ Low doc/Non Recourse |
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| LOAN PROGRAM | INTEREST RATE | MARGIN | INDEX | CEILING | MIN DCR | LTV (P/RT/CO) | AMOT/TERM | PREPAYMENT PERIOD | LOAN LIMITS |
|---|---|---|---|---|---|---|---|---|---|
| 5 Yr Fixed | 3.86% | 3.25% | 6 Mo Libor | 5% over Start rate | 1..20-1.25 | 80/80/75 | 30/5 | 5,4,3,2,1% | $1,000,000-$7,5000,000 |
| 7 Yr Fixed | 3.81% | 3.25% | 6 Mo Libor | 5% over Start rate | 1..20-1.25 | 80/80/75 | 30/7 | 5,5,4,4,3,2,1% | $1,000,000-$7,5000,000 |
| 10 Yr Fixed | 3.86% | 3.25% | 6 Mo Libor | 5% over Start rate | 1..20-1.25 | 80/80/75 | 30/10 | 5,5,4,4,3,3,2,2,1,1% | $1,000,000-$7,5000,000 |
| Rates & Terms are subject to change without notice. Some restrictions may apply and borrowers are subject to qualification. This information is provided to assist real estate professionals and investors only, and is not intended for distribution to or for use by the general public. ALB Commercial Capital is a Licensed CA Broker DRE # 01379610. 2476 Lake Ave, Altadena, CA 91745 |
We are industry experts dedicated to providing our clients the best loan programs, unparalleled service and certainty in execution
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www.albcommercialcapital.com