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Do you validate the value of a borrower's personal residence when making a credit decision using tax values or another strategy? Only when taking it as collateral. Do you verify a borrower's income by filing tax transcript (4506t) forms? No. Do ...

We have provided >90% financing (in our portfolio) for a few medical professionals (doctor, dentist, etc.). It's not a formal product offering, and we are only talking about a handful, so we treat it as an exception to credit policy and report it as a ...

Hi David - I, too, saw your post and would be interested in reviewing your model.  My email address is rwhitehill@passumpsicbank.com Thank you, ------------------------------ Roena Whitehill EVP/Head of Lending Passumpsic Savings Bank St Johnsbury ...