  Dear Neighbors, BANK OF MANHATTAN is pleased to announce our Orange County launch with the addition of Nate Kuchera and Misty Lapham. Their priority has and will strive to exceed clients’ expectations. As an FDIC insured National Bank, BANK OF MANHATTAN has access to a significant amount of capital over what traditional warehouse line funded mortgage companies usually offer and provides alternatives to the commoditized mortgages of the big banks. Local presence ensures our clients will have peace of mind in knowing their loan officers have personal relationships with their BANK OF MANHATTAN underwriting, processing, and closing team ensuring a seamless mortgage experience. Experience the difference. Experience BANK OF MANHATTAN. Bank of Manhattan is an equal opportunity employer; for confidential consideration for employment please send your resume to CSalceda@BankManhattan.com Nate Kuchera VP, Loan Officer 949.633.6464 Misty Lapham VP, Loan Officer 562.900.5065 10/1 Jumbo ARM, NO Points, 3.875% (3.650% APR), $1,500,000* New Initial Payment: Payments 1-120: $7,053, Payments 121-365: $6,610 fully indexed rate Payment example does not include taxes and insurance; actual payment will be greater. Example assumes a $1,500,000 loan amount financed at the rate, APR term noted above at maximum 60% loan-to-value, 38% DTI, with a 700 credit score and 1 year prepayment penalty may apply. The loan program example above converts to 2.25 over 1 year Libor after the initial fixed rate period adjustable annually thereafter. As of 2/4/2012, the 1 year LIBOR index is 1.11%. Nothing herein is or should be interpreted as a commitment to lend. All loans are subject to credit and property approval. Rate and Annual Percentage Rate (APR) stated above are as of 2/4/2012. The payment noted above are principal and interest payment. Terms may vary, conditions and restrictions apply. Actual rate for the loan is determined at time of rate lock based upon program and terms requested. Rates and terms are subject to change without notice. Hazard insurance may be required. NMLS# 401422 ©2012 Bank of Manhattan, N.A. |
