video1.0<iframe src="https://www.loom.com/embed/e8e28ae8ea254aabb7e52403f0b41cdd" frameborder="0" width="1920" height="1440" webkitallowfullscreen mozallowfullscreen allowfullscreen></iframe>14401920Loomhttps://www.loom.com14401920https://cdn.loom.com/sessions/thumbnails/e8e28ae8ea254aabb7e52403f0b41cdd-5bf83bdea7a82816.gif1516.08This Loom presents Excalibur, First National’s lender products and how to match them to a borrower’s story, LTV, and Beacon score. It covers conforming 50-50 with flexible amortization up to 35 years and LTV discounting, then non-conforming options including 60-60 up to 75 percent LTV via temporary Excalibur Plus and 75 percent LTV with business-for-self or net worth programs, with Beacon score minimums ranging from 560 to 640 and premiums of 25 or 50 basis points depending on the product. It also details rental income treatment using 95% of market rent, credit-event eligibility for one-off consumer proposal or bankruptcy, and a Flex program focused on deal saving with up to 80 percent LTV and contributory income. Ryan Shin and Jen confirm program details and answer questions, including Flex coverage areas and stated income requirements based on Canadian tax filing and the minimum business ownership (at least 25%, pro-rated for minority shareholders).