Loans

Commercial Real Estate

Current Rates

Term	Rate/APR
3/1 ARM-20 years	6.000/NA
5/1 ARM-20 years	6.500/N/A
15 year Fixed rate	7.000/NA
View All Rates & Details

If you're considering purchasing an office building, give Shelter Bank a call. Our real estate loan programs include financing for small commercial real estate buildings. Funds can be used for purchase or refinance. Contact a local Shelter Agent or call us direct to see how we can help with your financing needs.

Commercial Real Estate (Non-residential) Loan Features:

• Minimum Loan amount $40,000
• Available in fixed rate up to 15-year term
• Adjustable Rate Indexed to 1-Year Treasury Bill; cap of 2% per adjustment, 6% over the lifetime
• 3 - 20 year amortization with re-pricing after first 3, 5, or 7 years (3/1, 5/1, or 7/1 ARM)
• Monthly payments required
• Purchase - Maximum loan-to-value of 70%
• Refinance - Maximum loan-to-value of 65% with no cash out
• Click here for Product Brochure

Disclosures

Residential Investment Properties

Current Rates

Term	Rate/APR
3/1 ARM-20 years	6.000/NA
5/1 ARM-20 years	6.500/N/A
15 year Fixed rate	7.000/N/A
View All Rates & Details

Have you been thinking about becoming a landlord? Maybe you already own 1-4 unit residential property and you're looking for a long-term fixed-rate loan. Look no further! Shelter Bank offers fixed rate loans with terms up to 15 years! Now that's something to get excited about. If you'd prefer, we also offer a traditional adjustable rate mortgage. Here are some of the details.

1-4 Family Income Producing Property (Residential) Loan Features:

• Minimum Loan amount $30,000
• Available in fixed rate up to 15-year term
• Adjustable rate indexed to 1-Year Treasury Bill; cap of 2% per adjustment, 6% over lifetime
• 3 - 20 year amortization with re-pricing after first 3, 5, or 7 years (3/1, 5/1, or 7/1 ARM)
• Monthly payments required
• Purchase - Maximum loan-to-value of 70%
• Refinance - Maximum loan-to-value of 65% with no cash out
• Click here for Product Brochure

Disclosures