PROPERTY FUNDING

TERMS & PRODUCTS

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PROPERTY FUNDING & ADVISEMENT

OVERVIEW

ADVISEMENT SERVICES

TERMS & PRODUCTS

FOR DISTRICTS

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Standard Terms

Term/Maturity

Loans carry a 20-year amortization and maturity (no balloon payment).

Interest Rate

The rate is annually adjustable, being based on our internal cost of funds rather than a national index such as the "Prime Lending Rate." We also offer three- and five-year fixed rate options. After a fixed rate period ends, the interest rate is subject to annual adjustment.

Collateral

Loans are secured by a first lien on the subject property and/or other collateral.

Self-Funding Rate Discount

Your ministry can receive a discounted loan rate through ADF's self-funding program.

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Unique Products

In addition to our standard loan product description above, Orchard Alliance offers a couple products with unique loan terms, which may provide a better fit for some borrowers.

Fixed Payment Loan

The Fixed Payment Loan allows the borrower to fix their monthly payment for the first ten years of the loan based on the initial interest rate and a 20-year amortization.

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Small Unsecured (SUN) Loan

The SUN Loan provides the borrower with an unsecured and more streamlined financing option for borrow amounts up to $100,000.

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Orchard Alliance is always willing to consider alternate loan terms that may better serve the needs of its customers. Feel free to contact us if you would like to request something specific.

 
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Questions?

Send us your Loan Terms & Products questions

 
 
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