cause the loan gives you that CHOICE. However, what if, God Forbid, something happens in the near future and you need to make a smaller monthly payment for a time, you will have that choice with this loan. Here is another suggestion, what if you get a bonus from work or you come into some extra cash, you have the right to pay on the principal of the loan at any time. (Some restrictions do apply).

When can we get started with a loan for you? Contact me today and I will help you find the best loan option for your needs. Using innovative online tec

Who Can Benefit From a Pay Option ARM?

1. Self employed and Commission based Borrowers – adjust your monthly payment according to your monthly earnings.

2. Borrowers with Consumer Debt – Lower home payments allow you to pay off higher interest rate debt. – Remember, credit card interest, and car payment interest is not tax deductible, however, mortgage interest is.

3. Move-Up Home buyers – The Low Start Rate and Interest Only options give buyers more home purchasing power.

How Does It Work?

With the Pay Option ARM loan you have a choice of payments each and every month! Each option has unique advantages and you select the best one for your needs.

1. Minimum Payment – The lowest payment option (includes interest and principal, if applicable). Frees up extra money and keeps monthly payments low.

2. Interest Only – Low payment option, keeps your monthly payment manageable while paying all accrued interest.

3. 30 Year Fully Amortizing Payment – Traditional loan payment designed to pay off both principal and interest in 30 years.

4. Many lenders offer: 15 Year Fully Amortizing Payment – Provides faster equity build up and substantial savings on interest. This loan is designed to payoff both principal and interest in 15 years.

The Minimum Payment can be fixed anywhere from one month to 5 years.

There are several considerations to make when deciding on the best loan for you.

1. How Long Do You Intend to Stay in the House?

2. What is Your Financial Situation at This Time?

3. Do You Have an Old Car that Needs to be Replaced and a new car payment is too much?

4. Do You Have unexpected Medical Bills?

and the list can go on and on, depending your own personal situation.

I call this loan a “Smart Loan” because it gives each homeowner the choice each and every month to pay what works for YOU. Everyone has challenges in their lives and I want to provide you with CHOICES.

There has been a lot of talk lately about those of you who have a typical adjustable rate mortgage and that you should now go to a fixed rate for 30 years. In the case of the Pay Option ARM, you can have that 30 year loan if you want to pay that, because the loan gives you that CHOICE. However, what if, God Forbid, something happens in the near future and you need to make a smaller monthly payment for a time, you will have that choice with this loan. Here is another suggestion, what if you get a bonus from work or you come into some extra cash, you have the right to pay on the principal of the loan at any time. (Some restrictions do apply).

When can we get started with a loan for you? Contact me today and I will help you find the best loan option for your needs. Using innovative online tech

a choice of payments each and every month! Each option has unique advantages and you select the best one for your needs.

1. Minimum Payment – The lowest payment option (includes interest and principal, if applicable). Frees up extra money and keeps monthly payments low.

2. Interest Only – Low payment option, keeps your monthly payment manageable while paying all accrued interest.

3. 30 Year Fully Amortizing Payment – Traditional loan payment designed to pay off both principal and interest in 30 years.

4. Many lenders offer: 15 Year Fully Amortizing Payment – Provides faster equity build up and substantial savings on interest. This loan is designed to payoff both principal and interest in 15 years.

The Minimum Payment can be fixed anywhere from one month to 5 years.

There are several considerations to make when deciding on the best loan for you.

1. How Long Do You Intend to Stay in the House?

2. What is Your Financial Situation at This Time?

3. Do You Have an Old Car that Needs to be Replaced and a new car payment is too much?

4. Do You Have unexpected Medical Bills?

and the list can go on and on, depending your own personal situation.

I call this loan a “Smart Loan” because it gives each homeowner the choice each and every month to pay what works for YOU. Everyone has challenges in their lives and I want to provide you with CHOICES.

There has been a lot of talk lately about those of you who have a typical adjustable rate mortgage and that you should now go to a fixed rate for 30 years. In the case of the Pay Option ARM, you can have that 30 year loan if you want to pay that, because the loan gives you that CHOICE. However, what if, God Forbid, something happens in the near future and you need to make a smaller monthly payment for a time, you will have that choice with this loan. Here is another suggestion, what if you get a bonus from work or you come into some extra cash, you have the right to pay on the principal of the loan at any time. (Some restrictions do apply).

When can we get started with a loan for you? Contact me today and I will help you find the best loan option for your needs. Using innovative online tec

r Fully Amortizing Payment – Provides faster equity build up and substantial savings on interest. This loan is designed to payoff both principal and interest in 15 years.

The Minimum Payment can be fixed anywhere from one month to 5 years.

There are several considerations to make when deciding on the best loan for you.

1. How Long Do You Intend to Stay in the House?

2. What is Your Financial Situation at This Time?

3. Do You Have an Old Car that Needs to be Replaced and a new car payment is too much?

4. Do You Have unexpected Medical Bills?

and the list can go on and on, depending your own personal situation.

I call this loan a “Smart Loan” because it gives each homeowner the choice each and every month to pay what works for YOU. Everyone has challenges in their lives and I want to provide you with CHOICES.

There has been a lot of talk lately about those of you who have a typical adjustable rate mortgage and that you should now go to a fixed rate for 30 years. In the case of the Pay Option ARM, you can have that 30 year loan if you want to pay that, because the loan gives you that CHOICE. However, what if, God Forbid, something happens in the near future and you need to make a smaller monthly payment for a time, you will have that choice with this loan. Here is another suggestion, what if you get a bonus from work or you come into some extra cash, you have the right to pay on the principal of the loan at any time. (Some restrictions do apply).

When can we get started with a loan for you? Contact me today and I will help you find the best loan option for your needs. Using innovative online tec

ected Medical Bills?

and the list can go on and on, depending your own personal situation.

I call this loan a “Smart Loan” because it gives each homeowner the choice each and every month to pay what works for YOU. Everyone has challenges in their lives and I want to provide you with CHOICES.

There has been a lot of talk lately about those of you who have a typical adjustable rate mortgage and that you should now go to a fixed rate for 30 years. In the case of the Pay Option ARM, you can have that 30 year loan if you want to pay that, because the loan gives you that CHOICE. However, what if, God Forbid, something happens in the near future and you need to make a smaller monthly payment for a time, you will have that choice with this loan. Here is another suggestion, what if you get a bonus from work or you come into some extra cash, you have the right to pay on the principal of the loan at any time. (Some restrictions do apply).

When can we get started with a loan for you? Contact me today and I will help you find the best loan option for your needs. Using innovative online tec

cause the loan gives you that CHOICE. However, what if, God Forbid, something happens in the near future and you need to make a smaller monthly payment for a time, you will have that choice with this loan. Here is another suggestion, what if you get a bonus from work or you come into some extra cash, you have the right to pay on the principal of the loan at any time. (Some restrictions do apply).

When can we get started with a loan for you? Contact me today and I will help you find the best loan option for your needs. Using innovative online technology, I can find the loan you need and provide a firm loan commitment you can depend on.

This is also a great loan program for First Time Home Buyers who would like to get a little more house for their money.