Adjustable Rate Periods - Rates quoted for initial fixed-terms on residences.Amortization Periods - Flexible, based on the borrower's needs and qualifications.For example: FSB Certificate of Deposit equity in currently owned residence in Santa Fe area assignment of investment account assignment of life insurance cash value. Additional Collateral - Will consider additional collateral to achieve the Loan to Value requirement.Calculated on the lesser of the purchase price or the appraised value. Owner-Occupied, Single Family Residence - Not necessarily Primary Residence.This affords borrowers the flexibility to reduce and reamortize loans modify terms to better fit new circumstances ease of applying for home improvement loans. These are Portfolio Loans which means that FSB keeps and services the loans.Will consider collateral that is in addition to the property being purchased.Flexibility when considering Debt-to-Income (DTI) as it relates to 'qualified' and 'nonqualified' loans - i.e., a critical factor when qualifying for Fannie Mae and Freddie Mac loans.FSB will consider one-time closing for purchase and improvements to home.Flexibility when reviewing credit reports, income statements, and tailoring loan terms.A bankrupt person (or company) is one who has either made a voluntary application to start bankruptcy. Ease and convenience of personally working with the loan officer who will be presenting the loan for approval to the bank loan committee In the past two decades it has acquired MacвЂ™s.

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