Commercial Real Estate Loans. LTV tells you how much of the property's ownership is leveraged with debt.Lenders use this ratio to evaluate the risk associated with a loan. A director's Loan account basically means it's money that's already been taxed that you introduce into your property business on day one. Are you looking for a loan to purchase a home in the San Diego area? Consider a Jumbo home loan from First Tech Federal Credit Union. USDA Rural Development's Section 502 Direct Loan Program provides a path to homeownership for low- and very-low-income families living in rural areas. Please refer to the conflict of interest code for your department or agency for more information on the specific real property interests that you must disclose. CalHFA offers low interest rates to homebuyers who meet the income for the County in which they wish to purchase.