Exceeding Expectations...
BRIAN KERANEN
714.655.0191
NATE KUCHERA
949.633.6464
DAVID BEHM
949.201.8266
THUY CUNG
714.227.8137
TIM CHRISTENSEN
714.803.2433
LILY MCBEE
714.348.5978
CATHY NGHIEM
714.785.8522
BENY RABUCHIN
310.488.3200
DIANE UEHLINGER
213.422.4734
10/1 ARM, NO Points, 3.500% (3.519% APR), $1,500,000
1
New Initial Payment: Payments 1-120: $6,751, 121-360: $6,751
30 Year Fixed, NO Points, 3.500% (3.567% APR), $417,000
2
New Payment: Payments 1-360: $1,888
Dear Neighbors,
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 have available. With an experienced mortgage management team, they understand what it takes for loan officers to be successful by setting high service standards, competitive pricing and offering alternatives in addition 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.
TODD GODFREY, VP, Branch Manager 949.939.1717 | www.bankofmanhattan.com BOM is an equal opportunity employer; for confidential consideration for employment please send your resume to Todd Godfrey: tgodfrey@bankofmanhattan.com
Payment examples do not include taxes and insurance; actual payment will be greater. Example #1 assumes a PURCHASE loan of $1,500,000 loan amount financed at the rate, APR, term noted above at maximum 80% loan-to-value, 34% DTI, with a 740 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 06/13/12, the 1 year LIBOR index is 1.07%. Example #2 assumes a purchase or refinance loan of $417,000 loan amount financed at the rate, APR, term noted above at maximum 80% loan-to-value, 45% DTI, with a 720 credit score and no prepayment penalty. 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 06/18/2012. The payments 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. ARM=Adjustable Rate Mortgage NMLS# 401422 ©2012 Bank of Manhattan, N.A.
