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Rates	Points	APR
*Looking to purchase or refinance an existing log home? We can help! Call and speak to one of our mortgage consultants today!* New Texas Only Program: * Only available for Texas properties. * Up to 90% LTV -- equity in land is credited towards 10% down payment requirement! * Available to GC's AND Owner Builders -- owner builder must have friend or family member register with the state (no experience required though). * NO LOG HOME COMPS REQUIRED FOR APPRAISAL. * Minimum Credit Score - 680. * Materials Package paid for upon delivery to the building site. * Two-time close program -- construction loan first, then separate perm loan once the home is complete. ------------------------------------------------------------------------------- *OUR OTHER 2-TIME CLOSE PROGRAM IS STILL AVAILABLE NATIONWIDE AND IT'S GREAT FOR OWNER BUILDERS AND* GENERAL CONTRACTORS! New 2-Time Close Highlights:** * UNLIMITED DRAWS! Take as many as you need! There is no limit on the number of draws! * INSPECTIONS ARE NOT REQUIRED FOR EVERY DRAW -- there will be 5 inspections during different stages of construction at an average cost of $100 per inspection. The cost of the draws will be paid from the construction loan. * SIMPLE DRAW PROCESS -- now you can either fax, email, or submit your draw request online to our servicer. Send it in and your checks will typically be sent out within 48 hours! * WORK ALREADY STARTED? NO PROBLEM! * EQUITY IN LAND CAN BE USED AS DOWN PAYMENT! * NO EQUITY IN LAND? NO PROBLEM -- we have 2 ways to help: *(1) If you have equity in another property we can place a 2nd lien on it to create INSTANT EQUITY in your new construction project!* *-- OR --* *(2) Get your current lienholder on your land to subordinate their lien and you create INSTANT EQUITY!* * CLOSING COSTS PAID OUT OF CONSTRUCTION LOAN FUNDS! Reduces your out-of-pocket expenses! * Construction Term -- 6 months with AUTOMATIC EXTENSIONS UP TO 18 MONTHS! * No log home comps required for most appraisals! * Log Package is paid for when it's ready to be shipped! * All we finance are log homes... why use anyone else?

Construction Rate
30-Year Conforming Fixed Rate
15-Year Conforming Fixed Rate
30 Year Fixed Jumbo Rates
15 Year Fixed Jumbo Rates

Construction Rate This is the interest rate during the construction phase. As an Owner Builder you will be required to use the Two-Time Close program and that interest rate is based on your credit score -- anywhere from Prime + 2% to Prime + 5%. For the One-Time Close program (must have GC) your interest rate during construction is based on 1% over the Prime Rate and may adjust monthly while you are building. You will pay "interest only" on the amount drawn each month during the construction phase of your home. TERMS ARE AVAILABLE FROM 6 TO 18 MONTHS!! Term: 12 months Maximum Amount: $1,000,000

30-Year Conforming Fixed Rate 30-Year Fixed Rate Mortgage Term: 30 years Maximum Amount: $417,000
6.375%	1%	6.769%

The interest rate displayed is the current fixed rate. We do not lock your permanent loan rate until your home is complete. These rates are subject to change without notice.

15-Year Conforming Fixed Rate Rate is fixed for 15 years. Term: 15 years Maximum Amount: $417,000
Rates	Points	APR
6.25%	1%	6.898%

The interest rate displayed is the current fixed rate. We do not lock your permanent loan rate until your home is complete. These rates are subject to change without notice.

30 Year Fixed Jumbo Rates 30 Year Fixed Rate -- Loan Amounts of $417,001 and above. Term: 30 years Maximum Amount: $1,000,000
Rates	Points	APR
6.875%	1%	7.281%

The interest rate displayed is the current fixed rate. We do not lock your permanent loan rate until your home is complete. These rates are subject to change without notice.

15 Year Fixed Jumbo Rates 15 Year Fixed Rates -- Loan Amounts of $417,001 and above. Term: 15 years Maximum Amount: $1,000,000
Rates	Points	APR
6.75%	1%	7.408%

The interest rate displayed is the current fixed rate. We do not lock your permanent loan rate until your home is complete. These rates are subject to change without notice.


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $12,510. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,001 with closing costs of $12,510. Your actual APR may be different depending upon these factors.