TERMS:  10, 15, 20, 25 and 30 years; both fixed and ARM products available.

RATES:   6.00% — 8.99%

MINIMUM DOWN PAYMENT/ MAXIMUM LTV: 20% / 80%

LOAN AMOUNTS:  $50,000 minimum; No maximum.

PROPERTY TYPES: Single family residences, condos and lots (in conjunction with home construction on the lot).

LOAN TYPES: Purchase, refinance, cash-out refinance, and construction-to-permanent. PLEASE ASK A REPRESENTATTIVE ABOUT OUR NEW PRE-CONSTRUCTION CONDOMINIUM FINANCE PROGRAM!!

AREAS SERVED: All resort areas and larger cities. No geographical restrictions other than rural or low density communities. Primary areas served include Puerto Peñasco ("Rocky Point"), Puerto Vallarta, Cancun/Playa del Carmen/Cozumel, Cabo.

CREDIT: We can finance all U.S. and Canadian citizens with good credit. Please contact a representative for detailed credit requirements, or to prequalify.

TIME FRAME: Prequalifications generally issued same day. Initial processing and underwriting of applications provided in-house. On average, closing possible approximately 45-90 days after formal approval (lender approval based on income, credit and all borrower and property documents present).