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Rental-Income Residential/Commercial Properties

Please contact Home Federal Bank directly for current loan rates
3/1 and 5/1 ARM’s available             
Commercial: 25 year amortization/25 year term
Residential: 30 year amortization/30 year term
2.0% over Wall Street Journal Prime
$1,495.00 Underwriting Fee

Brokers interested in submitting applications, please contact Home Federal Bank for requirements and terms.


  • Complete Application. (Contact Bank for Application)
  • 2 ID’s for each borrower and or guarantor, one of which must be include a photo (please contact us directly for acceptable forms of ID’s)
  • Personal Resume of Owner. Brief summary of business operation and Articles of Incorporation/Organization, etc.
  • For newly formed entities, IRS - EIN letter.
  • Company Operating Agreement or By-Laws
  • Last Three Years of Business Tax Returns.
  • Last Three Years of Business Financial Statements (if applicable).
  • Most recent month end Balance Sheet. (Within 90 days of application)
  • Copies of Bank Statements for the past three months both corporate and individuals.
  • Copy of purchase contract and deposit for property being financed (for purchases) along with verifications of deposits made
  • Copy of Leases and Rent Roll signed and dated. (if applicable)
  • Guarantors or individuals personal financial statement/proof of liquidity.Guarantor’s or individual’s last three years of personal income tax return.
  • Form 4506-T
  • Bank reference letter

Please contact Jorge Carvallo for additional questions at  jcarvallo@homefed.bank