Brenda Ash, local loan officer with Centennial Bank and a blogger for Personalmoneystore.com, just announced a new lot loan program that’s the best I’ve found in years! 75% loan to value, 15 year amortization at 6.19% or 75% loan to value, 15 year amortization with fixed rate for 5 years and balloon payment due in 5 years at 5.47% interest. Local approval can be provided quickly. 1% origination fee + $250 processing fee + standard mortgage costs (doc stamps, intangible tax & recording fees). This program is available to individuals only, no LLCs or companies. Only one lot per person. This offering is available through December 2013. For more information, contact Brenda Ash at bash@my100bank.com.