• Max conforming loan amount: $832,750
• Primary residence, Secondary home, Investment property loans
• Mortgage Insurance can be automatically terminated at 78% or 80% upon request
• Seller paid closing costs:
  • 3% max greater than 90% LTV
  • 6% max 75.01% – 90% LTV
  • 9% max 75% or less LTV
• Terms: 10, 15, 20, 25 & 30 year
• Investment Loans:
  • Max LTV of 80%
  • No Gifts allowed
  • Max 2% seller paid closing costs

• Maximum loan amount: $1,500,000
• Primary Residence & Secondary Residences eligible
• Up to 6% seller paid closing costs
• Monthly Mortgage Insurance required over 80% LTV

• Maximum loan amount: $1,500,000
• 5yr/6month ARM or 7yr/6 month ARM*
• Primary Residence & Second Homes
• Up to 6% Seller Contribution permitted
• Monthly Mortgage Insurance required over 80% LTV

*Offers initial fixed period of 5 or 7 years with adjustments

• Max FHA loan amount: $819,000
• FHA upfront mortgage insurance premium (MIP) is 1.75%
• Monthly Mortgage Insurance is for the life of the loan unless 10% is put down, then cancelled after 11 years
• Terms: 15 & 30 year
• Primary residence only
• Two FHA loans may be permitted at one time with special circumstances

• No max loan amount, as long as Veteran does not have current VA loan
• To use Bonus Entitlement, base loan amount must be > $144,000
• 2.15% Funding Fee (FF) for first time use, 3.30% for sequential use. No Funding Fee for > 10% 
service-connected disability.*
  
*Lower FF available with down payment
• Primary residence only
• Seller paid closing costs is maxed at all reasonable and customary costs plus 4% of sales price
• Terms: 15 & 30 year
• No Monthly Mortgage Instance

• Maximum loan amount: $400,000
• Primary residence only
• Borrower income limits (waived in Low or Moderate Census Tract)
• Interest rate discount for Heroes First*
• No Mortgage Insurance
• Confined to Pinnacle geographical footprint
• Term: 30 years
• Reserves required

*Full-time licensed/certified State/Local Police Officers or County  Sheriffs, Firefighters, EMTs, Paramedics, Correction Officers, Nurses and Teachers

• Eligibility is for Borrowers with a graduate degree and professional licensing in their current field of employment
• 100% financing up to $806,500 with credit score of 700 or higher and no monthly mortgage insurance
• 95% financing up to $806,500 with credit score of 680 or higher and no monthly mortgage insurance
• 90% financing up to $1,500,000 with credit score of 740 or higher and has monthly mortgage insurance
• Primary residence and secondary homes eligible
• Can be used for purchase, rate/term or cash-out refinance
• Term: 15, 20 and 30 years
• Advancing Professionals may be eligible to use income from a new job to qualify, provided your start date is within 120 days of closing

• Max loan is determined based on applicant qualifications.
• Financing in rural areas only as determined by USDA geographical location
• 1% Guarantee fee
• Primary residence only
• Term: 30 year
• Monthly Mortgage Insurance for the life of the loan

• Minimum loan amount: $125,000
• Occupancy can be Primary, Secondary, or Investment
• Term: 30 year fixed

*Max LTV for Primary is 85%, 80% for Secondary and Investment

• Minimum loan amount: $100,000
• First time investor limited to 75% LTV
• Limited documentation required
• Term: 30 year fixed
• Investment property only

• For first-time homebuyers
• Up to $10,000 in down payment assistance
• Income and purchase price limits apply

• 12-month loan, interest-only during construction period
• You choose your builder*
• Up to 90% financing
• Can keep your current home during construction, if adequate reserves

*Must be approved by Pinnacle Bank