BENEFITS OF AN OPTION ARM LOAN

Refinance: Pay down those mounting credit card bills! Get cash out! Lower your monthly payments!  Purchase: Qualify for that bigger primary or second home you’ve always wanted! Investors: Lower monthly payments create greater positive cash flow! Start rates as low as 2.95% No closing cost loans available! Fixed rate programs available! Many Income Documentation Loan Types Available: Full Doc, SIVA                                                        Perfect credit “NOT” required!  Flexible monthly payment options!

REFINANCE: PAY DOWN THOSE MOUNTING CREDIT CARD BILLS, GET CASH OUT, LOWER  YOUR MONTHLY PAYMENT
A lower monthly payment will free up more money to pay down your credit card bills. High balances on revolving credit cards often lowers your fico scores. You can take cash out while still lowering your monthly payment. The “cash out” can be used any way you want: Investments, pay down bills, vacations, your child’s education, home improvement. You choose!  

PURCHASE: QUALIFY FOR THAT BIGGER PRIMARY OR SECOND HOME YOU’VE ALWAYS WANTED
With the high cost of properties in today’s market place the Option Arm Loan has made homes more affordable for buyers. With a low minimum monthly payment you can now afford to buy that bigger primary “Owner Occupied” or “Second Home” home you’ve always wanted.  

INVESTORS: LOW MONTHLY PAYMENTS CREATE POSITIVE CASH FLOW
Attention Investors: The NEG AM loans have made “Non Owner Occupied”  investment properties more viable than ever! Finally you can have a positive cash flow on your investment properties freeing up more capital to make investing in additional properties a realistic option.

START RATES AS LOW AS 2.95%
There are many different start rates and payment options available depending on your specific needs. We recommend you contact one of our experienced Loan Consultants to customize a program which best fits your individual needs.

NO CLOSING COST LOANS AVAILABLE (LOAN CONFIGURATION DEPENDANT)
Depending on the state you are located in and the loan amount you are acquiring, you may be able to get the lender to pick up all the closing costs (no points, and/ or 3rd party closing fees)! Again, we recommend asking your loan consultant about this option if available.

FIXED RATE PROGRAMS AVAILABLE
Fixed start rate programs and fixed margin & index programs available. Great low rates still available.

MANY INCOME DOCUMENTATION LOAN TYPES AVAILABLE:
We can custom tailor your loan to best fit your income documentation requirements. We offer “Full Documentation (full income/ full assets)”, "Stated Income/ Verified Assets", "Stated Income/ Stated Assets", "No Income/ Verified Assets", and “No Doc (No income/ No Assets)” to out clients.

PERFECT CREDIT “NOT” REQUIRED
It is true that the NEG AM loan programs are an “A” paper portfolio product, however there are many situations where less than perfect credit can be successfully qualified for a loan. Don’t assume you don’t qualify, contact one of our mortgage professionals to do an analysis of you individual situation.

FLEXIBLE MONTHLY PAYMENT OPTIONS
With an Option Arm Loan you get the choice each month of 3 payment options. This is why a Option Arm Loan is also called a "Flexible Payment Loan" and a "Pick A Payment Loan". You have the flexibility of choosing which type of payment to make every month. You can choose the minimum start rate payment, the interest only payment or the full principle and interest payment depending on your monthly cash flow. The choice is always up to you.