3% Down Commercial(aka 97 LTV to lenders)

Our exciting new Small Commercial product! 

"A" credit, Owner Occupied,Full Doc, 97 LTV to $1 million(90 LTV to $1.5 MM).

Purchase or unlimited cash-out refi.

This program is unique in that it requires as little as 3% down and, like a residential loan, focuses more on the financial strength of the borrower than solely on the property's cash flow.

Best of all, this program offers flexible rate and term options, no balloons, fast pre-approvals & closings in as little as 30-45 days.

Property types include: Mixed Use, Office(yes, condos are cool), Retail, Warehouse, Bed & Breakfast, Automotive(not gas stations), Light Industrial, Mobile Home Parks, & Self Storage.

Individuals, Corps, Partnerships,LPs, LLCs & some Trusts are allowed.

Rate posted is for ARM, 15 Year term. Also available are 2, 3, & 7 year Fixed at 15, 20 or 30 year terms.

0 Point loans are also available.

Borrower pays all customary out of pocket costs for appraisal, title, environmental insurance, credit plus $750 investor fee.

American Liberty Financial will waive it's application & processing fees(saving you over $500) when you apply on-line by  August 15,2007.