Residential Loan Programs: FNMA, FHLMC, VA & FmHA
30 & 15 year Fixed rate	T-Bill Adjustable Rate	11th District Cost of Funds Adjustable Rate
LIBOR Adjustable Rate	Fixed 30/5 Balloon	Fixed 30/7 Balloon
100% FmHA & VA	First Time Homebuyer (FNMA)	2-4 Units
Second (vacation) Homes	Investor Properties	Manufactured Housing & Land
Lot only	Construction-Perm	Construction only
Special Loans	Model Homes	Condos/Townhouses
Cash Out & Rate/Term Refinancing	Home Equity Credit Lines	Home Improvement Fixed Rates

Commercial Loan Programs: Conventional & SBA
Hotels (Flagged & Non-Flagged)	Restaurants	Multi-Unit Residential Apartments
Office & Medical	Mobile Home & RV Parks	Schools
Marinas	Churches	Retail Shopping Centers (Anchored & Non- Anchored)
Nursing Homes	Residential Development	Construction
Commercial Development	Purchases	Refinances