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| Part I: Loan Inquiry |
| Your e-mailed submission of Pacific Capital Bank's
Loan Inquiry Forms will receive a response
from a qualified loan representative within 48 hours. Your representative
will work with you to determine whether the Bank can assist you in
your loan request. If you elect to proceed, a Letter
of Interest (LOI) will be issued by the Bank. |
| Part II: Loan Processing |
| Upon receipt of the executed LOI, expense
deposit, and application package,
processing of your loan will commence. Your underwriting team will
be in contact with you during the processing of your application. |
| Part III: Loan Approval |
| Generally, your loan will be presented for approval
within 30 days of application. Upon approval, your underwriting team
will coordinate the closing and funding of your loan. |
| Part IV: Post Closing |
| Your relationship with Pacific Capital Bank doesn't end upon funding. Our experienced loan servicing staff is available and willing to assist you in post-closing matters. |
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