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Who We Are Lending Parameters Lending Process Newsletters Contact Us Financial Institutions Group: Lending Process   AEGON USA Realty Advisors, Inc. has a standardized process for submitting potential loans as outlined below. Although there may be exceptions to the standard, we encourage you to follow the process as closely as possible. It just makes it more efficient for everyone. Preliminary Submission: Telephone Assessment of Potential Loan Loan Package Submission Preliminary Loan Underwriting Loan Application: Loan Application/Commitment issued with a specified spread Borrower executes and returns Application/Commitment with required Documents, Good Faith Deposit and Inspection Fee Underwriting: Review of Documentation Outlined in Application/Commitment Site Inspection/Market Analysis Appraisal, Engineering, Environmental Due Diligence Initiated Final Underwriting Application/Commitment Approval: Compilation of Information Preparation of Committee Package (including final appraised values) Investment Committee Presentation Committee Approval Commitment effective with Committee Approval Documentation/Closing: Receive Commitment Fee Legal Coordination Conference with Borrower and Counsel Approval of Environmental and Engineering Reports Execute Closing Documents Loan Funded - Refund of Good Faith Deposit and Fee

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