Commercial Line of Credit — Maspeth Federal is a business line of credit from Maspeth Federal. Typical credit limit: Maximum line of credit up to $1,000,000 (not to exceed 65% CLTV); $2,000 minimum withdrawal. Loan terms: 5-year draw period (interest only) converts to 15-year fixed mortgage or 10 year balloon with 25 years amortization repayment..