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COMMERCIAL BANKS

Min. Loan Amount	$250,000	$100,000
Max. Loan Amount	$15,000,000	Varies From Bank to Bank
Rates	5.5% - 8.0%	Varies from Bank to Bank
Term	Term: upto 30 years Amortization: upto 30 years	Varies from Bank to Bank
PrePayment Penalties	Depends on lon type (call)	YES
Credit Score Minimums	620	680
Appraisal Needed?	YES	YES
Max. Loan to Value	Conventional: 65%-75% SBA / USDA: upto 90%	Conventional: 65%-75% SBA / USDA: upto 90%
Points	Conventional: 1 point SBA: 0 points	SBA: 0 points Conventional: varies

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