FDIC Insurance Announcement: Effective July 22, 2010, the FDIC permanently increased the standard maximum deposit insurance amount to $250,000.

BUSINESS BANKING

REAL ESTATE LOANS

Seacoast Commerce Bank offers a variety of real estate loan products for financing investment or owner occupied commercial real estate projects. Competitive market rates are available, with interest rate incentives for deposit account relationships. As a full service bank, we offer both long-term and short-term financing programs:
* Commercial Real Estate Term Financing
* Fixed/Adjustable Interest Rates
* Purchase/Refinance/Remodel
* Owner Occupied Property
* Investment Property
* Small Business Administration Loans
* Bridge Loans

Checklist for Owner Occupied Real Estate Loans:
* Joint /Individual Financial Statement from each owner or guarantor using forms the bank will provide
* The last three year-end financial statements on the business
* The most recent interim balance sheet and income statements
* The last three tax returns of the company business
* The last three tax returns of the individual borrowers and guarantors
* A description of the business and projections (pro forma) for the next two years
* Biographies on management
* Use of proceeds description

Checklist for Investor Owned Real Estate Loans:
* Joint /Individual Financial Statement from each owner or guarantor using forms the bank will provide.
* The last three tax returns of the individual borrowers and guarantors (if applicable).
* A copy of all leases.
* Rent roll
* A copy of the existing appraisal (if available).
* A schedule of income and expenses for the properties.
* A copy of the purchase agreement (if applicable )

Construction Loans
Seacoast Commerce Bank offers a variety of products for financing investment or owner occupied residential and commercial construction projects. Competitive market rates are available, with interest rate incentives for account relationships.
Loan Types: New, Renovation, and Expansion.

Checklist for the above types of loans:
* Joint /Individual Financial Statement from each owner or guarantor using forms the bank will provide.
* The last three year-end financial statements on the business.
* The most recent interim balance sheet and income statements.
* The last three tax returns of the business.
* The last three tax returns of the individual borrowers and guarantors.
* Copy of the building contract.
* Contractor Name(s) & License(s)
* A cost breakdown of the construction project.
* Projections (pro forma financial statement) for the next two year period showing both continuing and anticipated operating revenues and expenses during the time period.
* Low rates
* Pre-qualification available upon request .
* Quick Loan Decisions.
* Wide Variety of loan products
* Automatic loan payments
* Always personal and friendly service

Contact a Seacoast Commerce Bank Real Estate Loan Officer
reloans@sccombank.com or
619- 476-8171 or 619-476-7776

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