Some of yo  may no that we have a residential side to our business.  It is not something that we normally advertise.  But this imformation we felt we needed to pass on.

We have an investor who is provideing Jumbe loans up to 3 million dollars with a 5/1 arm 4.5% and 7/1 Arm at 4.875. Interest onlys would be .500 point higher.

the LTV breakdowns are has follows

• up to 850,000                   70% Loan-to-value
• 850,001-1,500,000            65%
• 1,500,001-2,000,000-        60%
• 2,500,000 to 3,000,000      50%

Condos are 55% under 850,0000. anything over would be 50%

Any questions please call