Proof of income is required along with a personal guarantee. Residential 1-4 family investment properties welcomed. No short-term financing and NO housing-flipping permitted. Loan proceeds cannot be used for construction purpose. Loans are only offered for New Jersey, New York, and Pennsylvania businesses/property only.  Minimum loan amount is $30,000. Maximum Loan-to-Value (LTV) is 70%. Applicants will be responsible for title costs, attorney fees, and closing costs. Satisfactory Homeowners’ Insurance is required. Satisfactory Flood Insurance may be required. Title Insurance may be required based on loan amount. Prepayment penalty will apply. Other terms and conditions may apply. Application fee may apply. Contact a Credit Union Representative for full loan details, terms, and conditions. Pinnacle FCU is an equal opportunity lender