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1 For collateral loans, we disburse up to 90% of the amount available in the savings account or certificate of deposit (CD). This amount will not be available for withdrawal from the savings account or CD during the term of the loan. The term of the loan shall not exceed the term of the CD until the loan has been repaid in full. This pertains to applications received and approved no later than 1:00 pm on the day of origination, upon submission of the documents required by the Bank. 2 FirstMortgage is a division of FirstBank Puerto Rico. FirstBank is Member FDIC. OCIF Lic. B-31.