Real Estate Secured Loans: Fixed Second Mortgage/Mountain Terrace



Credit Score APR - Current Rate LTV
A 710+ 9.24% <61%
A 710+ 9.74% 61-70%
A 710+ 10.24% 71-80%
B 670-709 10.74% <61%
B 670-709 11.24% 61-70%
B 670-709 11.74% 71-80%
C 630-669 12.24% <61%
C 630-669 12.74% 61-70%
C 630-669 13.24% 71-80%
D 590-629 16.74% 65%
E <590 18.74% Determined
Prime Rate: 8.50% *LTV=Loan to Value

HELOC/Mountain Harbor



Credit Score APR - Rate Margin Rate Floor LTV
A 710+ 8.50% Prime +0.00% 4.00% <61%
A 710+ 9.00% Prime + 0.50% 4.00% 61-70%
A 710+ 9.50% Prime + 1.00% 4.00% 71-80%
B 670-709 9.75% Prime + 1.25% 4.00% <61%
B 670-709 10.00% Prime + 1.50% 4.00% 61-70%
B 670-709 10.25% Prime + 1.75% 4.00% 71-80%
C 630-669 10.50% Prime + 2.00% 4.00% <61%
C 630-669 10.75% Prime + 2.25% 4.00% 61-70%
C 630-669 11.25% Prime + 2.75% 4.00% 71-80%
D 590-629 11.50% Prime +3.00% 4.00% 65%
E <590 13.00% Prime + 4.50% 4.00% Determined
Prime Rate 8.50% *LTV=Loan to Value


APR=Annual Percentage Rate. Updated 09/01/2023