Congratulations on your purchase at Ocean Club Residences & Marina, Paradise Island, Bahamas!

We at TM Financial look forward to the opportunity to provide you with the financing of your new condominium. TM Financial offers a variety of loan programs to meet your needs with a highly qualified staff to execute the loan process with a degree of excellence.

To qualified buyers, TM Financial has the option to offer both fixed rate loans and floating loans. The floating loans will be based on Prime or LIBOR.

Qualifications

• 1 million in liquid assets
• 3 - 5 million total net worth
• Asset based lending – average credit
• U.S. financed loans for 1-time construction loans, lot loans, and end loans
• Personal guarantee. No liens, title, or appraisal on property outside the U.S.
• Two years personal tax return
• K-1's
• Current P&L statements with social security numbers
• Current Balance Sheet
• Current Asset Statements
• Sales Contract

Loan Detail

• Interest only with no prepayment penalty
• Long term locks are negotiable
• Closing cost of 1% origination fee can be added to the loan
• LTV's up to 100% based on client's qualifications
• Draws are wired at client's request
• Potential for expanded quidelines with investor's approval on developer for foreclosure repurchases
• Worldwide investors with assets over 100 billion dollars
• No limit on number of properties or projects for borrowers/li>
• Investors welcome with multiple purchases on lots and homes with a single transaction
• 15 year fixed with amortization period of 20, 25 or 30 years
• 15 year fixed - interest only

Rates

• Floating libor @ 6.09% (libor + 200)
• 3 or 5 year arm @ 6.375%
• 15 year fixed @ 5.875%
• Current rates are subject to change

Summary

• To serve our clients with simple, quick, and unified approval process
• Flexible financing on purchases including personal property
• Worldwide lending encouraging investors with high LTV's

Contact

John Stone 866-576-5626 e-mail: John's Email

Nina Dannegger 314-809-6275 e-mail: Nina's Email