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“When you apply for a commercial loan at TFNB, we consider the following: The property and its value Your personal credit history The financial history of your business Current cash flow Your company’s debt-service-coverage ratio (Debt-service coverage ratio is calculated by dividing your annual net operating income by your annual total debt service. Total debt service is the amount you’ll pay back to cover both the principal and interest of the loan)”

“Fill out the form below and we’ll be in touch with answers! *Commercial accounts are charged based upon account analysis and are subject to change at our discretion. A monthly maintenance fee for $10.00 will be charged each statement cycle, while $.15 will be charged for each debit transaction like withdrawals, checks paid, automatic transfers, or other payments. Credit will be given based on the collected balance to help offset the charges.”

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“Wadena State Bank offers home construction financing. Here’s what we need to consider financing your next construction project: Completed real estate application 2 years Federal Tax returns 1 month of current pay stubs from each applicant Blueprint or floor plan of proposed home design Complete material estimate Contractor estimate Once we have approved your application on income and credit, the next step is to order an appraisal on the home design. Wadena State Bank offers financing up to 80% of the appraised value. Stop in and visit with us about your plans; we’ll do our best to make your goal of building come true!”

“Great rates and flexible options to keep you up and running. Loan Details Play Secondary Area Slider/Pause Secondary Area Slider Back to the top Wahoo State Bank Facebook About Us Our Mission Directors & Officers Current Events Contact Us Contact Us Branch & ATM Locator Careers Privacy Policy © Wahoo State Bank Member FDIC Equal Housing Lender”

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“No matter what type of financing you need, we can help you find the options that work best for you. ‍ Learn More”

“Insights Bridge as readiness capital: How to prepare for affordable housing permanent financing Learn More Insights The 5 silent deal breakers lurking between pro-forma and construction in affordable housing Learn More Insights Powering Affordable Housing in 2026: Key government programs every owner, developer, and investor should know Learn More Stay updated on market insights Subscribe to receive the latest news, insights, and future Outlook releases from Walker & Dunlop. SUBSCRIBE Country* Select one... United States Afghanistan Albania Algeria Andorra Angola Antigua and Barbuda Argentina Armenia Australia Austria Azerbaijan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bhutan Bolivia Bosnia and Herzegovina Botswana Brazil Brunei Bulgaria Burkina Faso Burundi Cabo Verde Cambodia Cameroon Canada Central African Republic Chad Chile China Colombia Comoros Congo Costa Rica Croatia Cuba Cyprus Czechia Democratic Republic of the Congo Denmark Djibouti Dominica Dominican Republic Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Eswatini Ethiopia Fiji Finland France Gabon Gambia Georgia Germany Ghana Greece Grenada Guatemala Guinea Guinea-Bissau Guyana Haiti Honduras Hungary Iceland India Indonesia Iran Iraq Ireland Israel Italy Jamaica Japan Jordan Kazakhstan Kenya Kiribati Kuwait Kyrgyzstan Laos Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Madagascar Malawi Malaysia Maldives Mali Malta Marshall Islands Mauritania Mauritius Mexico Micronesia Moldova Monaco Mongolia Montenegro Morocco Mozambique Myanmar Namibia Nauru Nepal Netherlands New Zealand Nicaragua Niger Nigeria North Korea North Macedonia Norway Oman Pakistan Palau Panama Papua New Guinea Paraguay Peru Philippines Poland Portugal Qatar Romania Russia Rwanda Saint Kitts and Nevis Saint Lucia Saint Vincent and the Grenadines Samoa San Marino Sao Tome and Principe Saudi Arabia Senegal Serbia Seychelles Sierra Leone Singapore Slovakia Slovenia Solomon Islands Somalia South Africa South Korea South Sudan Spain Sri Lanka Sudan Suriname Sweden Switzerland Syria Tajikistan Tanzania Thailand Timor-Leste Togo Tonga Trinidad and Tobago Tunisia Turkey Turkmenistan Tuvalu Uganda Ukraine United Arab Emirates United Kingdom Uruguay Uzbekistan Vanuatu Vatican City Venezuela Vietnam Yemen Zambia Zimbabwe By submitting this form, you accept Walker & Dunlop's terms & conditions and Privacy Policy . Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. 7272 Wisconsin Avenue, Suite 1300 Bethesda, Maryland 20814 301.215.5500 info@walkerdunlop.com Follow Us LinkedIn icon Follow us on Linkedin Follow us on Facebook YouTube icon Follow us on YouTube Instagram icon Follow us on Instagram Follow us on X About News Careers Contact us Licensing Disclosure Privacy Policy Terms of Use Manage Cookie Preferences Copyright © 2017- 2026 Walker & Dunlop, Inc.”

“NEWS Former FHA Commissioner Frank Cassidy Rejoins Walker & Dunlop Learn More NEWS Walker & Dunlop Originates $68 Million in HUD Loans for Seven Skilled Nursing Facilities in Illinois and Wisconsin Learn More INSIGHTS Why social license has become a competitive advantage in data center development Learn More Trending”

“NEWS Former FHA Commissioner Frank Cassidy Rejoins Walker & Dunlop Learn More NEWS Walker & Dunlop Originates $68 Million in HUD Loans for Seven Skilled Nursing Facilities in Illinois and Wisconsin Learn More INSIGHTS Why social license has become a competitive advantage in data center development Learn More”

“For loan inquiries of $1 million or more, please complete this form and a member of our team will contact you. 1 Loan 2 Property 3 Personal 4 Final Purpose of Loan* Select one... Acquisition Refinance New Construction Requested Loan Amount* ($1MM minimum) Requested Loan-to-Value* When are you looking to secure financing?* Select one... Six months or less Greater than six months No timeframe, just gathering information Next”

“For loan inquiries of $1 million or more, please complete this form and a member of our team will contact you. 1 Loan 2 Property 3 Personal 4 Final Number of Units at Property* Current Occupancy* Select one... 90% or above Below 90% Property Street Address* Property City* Property State* Select one... Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Not Applicable Property Country* Select one... United States Afghanistan Albania Algeria Andorra Angola Antigua and Barbuda Argentina Armenia Australia Austria Azerbaijan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bhutan Bolivia Bosnia and Herzegovina Botswana Brazil Brunei Bulgaria Burkina Faso Burundi Cabo Verde Cambodia Cameroon Canada Central African Republic Chad Chile China Colombia Comoros Congo Costa Rica Croatia Cuba Cyprus Czechia Democratic Republic of the Congo Denmark Djibouti Dominica Dominican Republic Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Eswatini Ethiopia Fiji Finland France Gabon Gambia Georgia Germany Ghana Greece Grenada Guatemala Guinea Guinea-Bissau Guyana Haiti Honduras Hungary Iceland India Indonesia Iran Iraq Ireland Israel Italy Jamaica Japan Jordan Kazakhstan Kenya Kiribati Kuwait Kyrgyzstan Laos Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Madagascar Malawi Malaysia Maldives Mali Malta Marshall Islands Mauritania Mauritius Mexico Micronesia Moldova Monaco Mongolia Montenegro Morocco Mozambique Myanmar Namibia Nauru Nepal Netherlands New Zealand Nicaragua Niger Nigeria North Korea North Macedonia Norway Oman Pakistan Palau Panama Papua New Guinea Paraguay Peru Philippines Poland Portugal Qatar Romania Russia Rwanda Saint Kitts and Nevis Saint Lucia Saint Vincent and the Grenadines Samoa San Marino Sao Tome and Principe Saudi Arabia Senegal Serbia Seychelles Sierra Leone Singapore Slovakia Slovenia Solomon Islands Somalia South Africa South Korea South Sudan Spain Sri Lanka Sudan Suriname Sweden Switzerland Syria Tajikistan Tanzania Thailand Timor-Leste Togo Tonga Trinidad and Tobago Tunisia Turkey Turkmenistan Tuvalu Uganda Ukraine United Arab Emirates United Kingdom Uruguay Uzbekistan Vanuatu Vatican City Venezuela Vietnam Yemen Zambia Zimbabwe Back Next”

“For loan inquiries of $1 million or more, please complete this form and a member of our team will contact you. 1 Loan 2 Property 3 Personal 4 Final First name* Last name* Email* Phone* Company* Years of Multifamily Experience* Select one... 0-1 Years of Owning/Managing 2-4 Years of Owning/Managing 5+ Years of Owning/Managing Country* Select one... United States Afghanistan Albania Algeria Andorra Angola Antigua and Barbuda Argentina Armenia Australia Austria Azerbaijan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bhutan Bolivia Bosnia and Herzegovina Botswana Brazil Brunei Bulgaria Burkina Faso Burundi Cabo Verde Cambodia Cameroon Canada Central African Republic Chad Chile China Colombia Comoros Congo Costa Rica Croatia Cuba Cyprus Czechia Democratic Republic of the Congo Denmark Djibouti Dominica Dominican Republic Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Eswatini Ethiopia Fiji Finland France Gabon Gambia Georgia Germany Ghana Greece Grenada Guatemala Guinea Guinea-Bissau Guyana Haiti Honduras Hungary Iceland India Indonesia Iran Iraq Ireland Israel Italy Jamaica Japan Jordan Kazakhstan Kenya Kiribati Kuwait Kyrgyzstan Laos Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Madagascar Malawi Malaysia Maldives Mali Malta Marshall Islands Mauritania Mauritius Mexico Micronesia Moldova Monaco Mongolia Montenegro Morocco Mozambique Myanmar Namibia Nauru Nepal Netherlands New Zealand Nicaragua Niger Nigeria North Korea North Macedonia Norway Oman Pakistan Palau Panama Papua New Guinea Paraguay Peru Philippines Poland Portugal Qatar Romania Russia Rwanda Saint Kitts and Nevis Saint Lucia Saint Vincent and the Grenadines Samoa San Marino Sao Tome and Principe Saudi Arabia Senegal Serbia Seychelles Sierra Leone Singapore Slovakia Slovenia Solomon Islands Somalia South Africa South Korea South Sudan Spain Sri Lanka Sudan Suriname Sweden Switzerland Syria Tajikistan Tanzania Thailand Timor-Leste Togo Tonga Trinidad and Tobago Tunisia Turkey Turkmenistan Tuvalu Uganda Ukraine United Arab Emirates United Kingdom Uruguay Uzbekistan Vanuatu Vatican City Venezuela Vietnam Yemen Zambia Zimbabwe Multifamily Properties Owned* Back Next”

“For loan inquiries of $1 million or more, please complete this form and a member of our team will contact you. 1 Loan 2 Property 3 Personal 4 Final Tell us more about your request (e.g., timing requirements, financing objectives, property management, borrower proximity to property, presence of commercial income or tenants, tenant concentrations) I agree to receive email communications from Walker & Dunlop. By submitting this form, you accept Walker & Dunlop's terms & conditions and Privacy Policy . Back Thank you for contacting us! Your inquiry has been forwarded to a member of our team. Oops! Something went wrong while submitting the form. NEWS & Insights”

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“View full team Ana Ramos Managing Director John Hinder Managing Director Allison Herrera Senior Director, Capital Markets | Real Estate Finance Matt Baldwin Senior Director Syeda Hashmi Senior Director Logan Zotovich Director Mackenzie Kerin Associate Director George Melby Director, Capital Markets | Real Estate Finance Jeremy Durnan Associate Director, Capital Markets | Real Estate Finance Jake Footer Associate Director, Capital Markets | Real Estate Finance Previous Arrow Next Arrow”

“Affordable, multifamily, industrial, and more…you name it and we have the skills and expertise to handle it. Learn more Stay updated on market insights Subscribe to receive the latest news, insights, and future Outlook releases from Walker & Dunlop. SUBSCRIBE Country* Select one... United States Afghanistan Albania Algeria Andorra Angola Antigua and Barbuda Argentina Armenia Australia Austria Azerbaijan Bahamas Bahrain Bangladesh Barbados Belarus Belgium Belize Benin Bhutan Bolivia Bosnia and Herzegovina Botswana Brazil Brunei Bulgaria Burkina Faso Burundi Cabo Verde Cambodia Cameroon Canada Central African Republic Chad Chile China Colombia Comoros Congo Costa Rica Croatia Cuba Cyprus Czechia Democratic Republic of the Congo Denmark Djibouti Dominica Dominican Republic Ecuador Egypt El Salvador Equatorial Guinea Eritrea Estonia Eswatini Ethiopia Fiji Finland France Gabon Gambia Georgia Germany Ghana Greece Grenada Guatemala Guinea Guinea-Bissau Guyana Haiti Honduras Hungary Iceland India Indonesia Iran Iraq Ireland Israel Italy Jamaica Japan Jordan Kazakhstan Kenya Kiribati Kuwait Kyrgyzstan Laos Latvia Lebanon Lesotho Liberia Libya Liechtenstein Lithuania Luxembourg Madagascar Malawi Malaysia Maldives Mali Malta Marshall Islands Mauritania Mauritius Mexico Micronesia Moldova Monaco Mongolia Montenegro Morocco Mozambique Myanmar Namibia Nauru Nepal Netherlands New Zealand Nicaragua Niger Nigeria North Korea North Macedonia Norway Oman Pakistan Palau Panama Papua New Guinea Paraguay Peru Philippines Poland Portugal Qatar Romania Russia Rwanda Saint Kitts and Nevis Saint Lucia Saint Vincent and the Grenadines Samoa San Marino Sao Tome and Principe Saudi Arabia Senegal Serbia Seychelles Sierra Leone Singapore Slovakia Slovenia Solomon Islands Somalia South Africa South Korea South Sudan Spain Sri Lanka Sudan Suriname Sweden Switzerland Syria Tajikistan Tanzania Thailand Timor-Leste Togo Tonga Trinidad and Tobago Tunisia Turkey Turkmenistan Tuvalu Uganda Ukraine United Arab Emirates United Kingdom Uruguay Uzbekistan Vanuatu Vatican City Venezuela Vietnam Yemen Zambia Zimbabwe By submitting this form, you accept Walker & Dunlop's terms & conditions and Privacy Policy . Thank you! Your submission has been received! Oops! Something went wrong while submitting the form. 7272 Wisconsin Avenue, Suite 1300 Bethesda, Maryland 20814 301.215.5500 info@walkerdunlop.com Follow Us LinkedIn icon Follow us on Linkedin Follow us on Facebook YouTube icon Follow us on YouTube Instagram icon Follow us on Instagram Follow us on X About News Careers Contact us Licensing Disclosure Privacy Policy Terms of Use Manage Cookie Preferences Copyright © 2017- 2026 Walker & Dunlop, Inc.”

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“Terms that work with your budget Competitive fixed and adjustable rates Quick, local decision-making and processing Expand, renovate, purchase new facilities, and more Details Competitive rates for purchase, construction, or refinancing of commercial real estate* Fixed and adjustable rates available Available for owner-occupied or multi-tenanted residential investment properties Lending professionals with working knowledge of the Greater Lowell real estate market Convenient terms that work with your budget Quick, local decision-making and processing Attentive, friendly service from start to finish Evening and Saturday appointments available”