Option Arm

1.00% Option Arm  Cash Flow Increase for $200,000 Loan   Mortgage Balance                                             $200,000  Standard Fixed Monthly Payment                       $1200  Option Arm Guaranteed First Year Payment       $644  Increases Your Monthly Cash Flow                      $556  Total First Year Cash Flow Increase                    $6672

5 Years of Guaranteed Payments. Choose from four different payment options. Guaranteed Minimum Interest Only 30 year ammortized payment 15 year accelerator   Let your mortgage work for you instead  of always working to pay the mortgage

OPTION ARM LOANS The Benefits Inexpensive way to borrow money. Money borrowed to finance your home is the cheapest money you can borrow! Interest rates on mortgage loans are typically much lower than on other loans AND the interest is tax deductible. A Cash Flow Option mortgage allows borrowers to leverage their mortgage debt so they can pay more pressing expenses like high-interest credit cards debt, reorganize finances or invest money for retirement. Flexible Payment Options. The four (4) payment options each month allows borrowers to remain flexible in case of unexpected financial needs (i.e. job loss, medical crisis, divorce, etc?). The low start rate payment and interest only payment options allow borrowers an opportunity to maximize their cash flow by allowing them to keep on hand more cash each month for other expenses, to invest, start a business, or to accelerate the pay off of more expensive, non-tax deductible debt. The Cash Flow Option loan gives borrowers control over how they pay their mortgage so they can do what makes sense for them. Versatile Product Features.           Owner, non-owner, second homes           1-4 units           Purchase, rate and term and cash-out refinances           Full doc and stated income programs available   The Cash Flow Option Loan is Ideal For? Self/Employed / Commissioned Borrowers.  Fluctuating monthly income need not affect one's lifestyle Move-up Home Buyers  Provides buyers with more home buying power with the low start rate and interest-only payment options Borrowers with Consumer Debt  Earlier payoff of higher interest rate debt The Four Cash Flow Payment Options? The Cash Flow Option loan gives the borrower financial control with four (4) payment options each month. 30-Year Fully Amortizing Payment. This payment is based on the fully indexed rate and a 30-year payment schedule. The principle balance will change if this option is selected. This option was designed to let the borrower pay off their loan in 30 years. 15-Year Fully Amortizing Payment. This payment is based on the fully indexed rate and a 15-year payment schedule. The principle balance will change if this option is selected. This option was designed to let the borrower pay off their loan in 30 years. For faster equity building, quicker payoff and interest savings this is the preferred loan program. Interest Only Payment. This payment is based on the fully indexed rate. This payment will only appear if the low starter rate payment does not satisfy all interest due for the month. This option will cover only the interest due on the loan. The principle balance will not change if this option is selected. If this payment option appears, electing the low starter rate payment option will result in deferred interest on the loan. Low Starter Rate Payment Option. This payment is based on the start rate and a 30-year amortization term. For additional cash to invest, to payoff high interest credit cards, or use as needed, select this payment option. Why Choose the Cash Flow Option Loan The Cash Flow Option loan is flexible and allows the borrower to decide whether they would like to match their loan payments to their variable or seasonal income or whether they would like to put more monies into a business, investment, or a large expense such as college tuition. The Cash Flow Option loan is a product designed to help borrowers achieve their financial goals.