Apartment Loan rates March 20, 2013 FHA 223 F FNMA Small loan FNMA

.			APARTMENT LOAN RATES 847 903 7578				KENDALL REALTY ADVISORS	kendallrealty@gmail.com
.			FHA	Freddie Mac	FNMA DUS	FNMA SMALL LOAN	3/20/2013
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.			FHA 223 (f) refinance / purchhase	35 year term non-recourse Min size $1,500,000	83.30% LTV purchase and NO cash out Refinance 87.5% Affordable Housing	75% LTV Cash out Refinance 87.5% 100% Affordable Large Loans $25,000,000 to $500,000,000+ subject to Central Review and Approval	1.2 to1 DSC - 100% Affordable 1.15 to 1	FHA 223(f) Processing times from 4 to 7 months
.			ALL IN FHA 223 F 35 YR Apartment rate	3.58%	add 20 basis points 232 /223 f health care assisted living	35 year TERM fixed self amoritzed	Typical FHA 223(f) upfront costs $15,000
.			Apartment Loan Programs	www.kendallrealtyadvisors.com
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.			FNMA DUS	TIER II (2) 1.25 to 1 DSC 75% LTV	TIER III (3) 1.35 to 1 DSC 65% LTV	TIER IV (4) 1.55 to 1 DSC 55% LTV	2 months to commitment max in most cases	Typically 30 year amortization balloon lons
.			10 Year 9.5 YM	4.17%	3.98%	3.80%	Standard DUS PROGRAM nationally $1,000,000 to $100,000,000 plus Application Fee for reports $15,000 most deals very large call for quote
.			30 year FNMA 5.35%	Call for 5, 7, 15 and 30 year			MIN LOAN AMOUNT $1,000,000		LOW COSTS
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.			SMALL APART LOAN	TIER II (2) 1.25 to 1 DSC 75% LTV	TIER III (3) 1.35 to 1 DSC 65% LTV	TIER IV (4) 1.55 to 1 DSC 55% LTV	***Nationally - FNMA Specified MSA and all national locations using FNMA rules for rate add on by location and size.***
.			10 Year 9.5 YM	4.36%	4.28%	4.08%	LOW COST LOANS FOR STRONG BORROWER NET WORTH EQUAL TO LOAN SIZE ONE YEAR Debt Service Liquidity LOANS from $750,000 to $5m - $4,500 app fee cost Major Cities NY, Chicago and more only
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.			Treasury bond rates	0.80%	1.30%	1.94%	3.17%	Updated 9:35 am June 11, 2012
.			Treasury Bond Term Years	5	7	10	30
.			Freddie Mac	Deal by Deal pricing high 3% to low 5%	Typically prefer larger loans large MSA's	Deal by Deal - Up, Down, Equal by 10 to 20 basis points FNMA tier level	Time frame longer approval not delagated add one month over FNMA	CALL FOR QUOTE (847) 903-7578 FREDDIE MAC FNMA FHA - SCOTT	Expanding conservative loans for Student Housing Assisted living
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.			FNMA LARGE LOAN NATIONALLY $5 Million to $200,000,000 - FNMA "SMALL LOAN" SPECIFIED LARGE MSA - *
.			WWW.KENDALLREALTYADVISORS.COM
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