We offer terms within 72 hours or less of receiving your completed prequalifier. Terms are contingent upon the accuracy of the information contained on this form. THIS IS NOT A COMMITMENT TO FUND. Although we offer common sense underwriting, terms are more favorable for borrowers who can demonstrate a track record of 3 years or more with similar projects and for borrowers with a median credit score of 650 or better. Compensating factors are evaluated case by case.