COMBINATION LOAN WITH FIRST AND SECOND MORTGAGE. NO MORTGAGE INSURANCE. LEAST EXPENSIVE OPTION WITH NO MONEY DOWN. CAN BE INTEREST ONLY LOAN FOR LOWEST PAYMENT.

Great loan to payoff your principal balance in a hurry. Low fixed rate for a 15 year period. Highly recommended loan product for borrowers using their homes as forced savings. Larger portion of payment applied to principal for the first 5 years than a 30 year fixed.

Low rate and low payment. Excellent for borrowers planning on staying in their home for 4-5 years. Most products are interest only for a period of 5 years before they become fully amortizing loans. Great for transient government employees and those buying their starter homes.

Great loan product for borrowers with a fixed income. Payment stays the same for the life of the loan. No month to month payment shock. Rates are still near all time lows. Refinance into a 30 year fixed and open a line of credit at the same time. Allows a low mortgage payment with the ability to tap the cash in your home.

Same loan product as a 30 year fixed, but for loan amounts above $359,650. Payment remains the same thoughout the life of the loan. Open a line of credit to free up the equity in your home.

A true no closing cost. The same features of a 30 year fixed, with out the cost. No rolling in closing costs or raising the loan amount to cover costs. Appraisal and credit report can be refunded at the time of settlement. Great for the borrwer who wants to take advantage of a low interest rate, without paying for it.

Excellent loan product for the borrower who wants a low rate and low payment. Ideal for the borrower who is staying in the home for 6-7 years. Some products allow the loan to convert to a fully amortizing mortgage after 5 years. Great mortgage for a starter home and borrowers who expect their income to increase.

Low down payment and low interest rates. FHA/VA loans now are offered in 3 and 5 year adjustable rate loans. Very little cost to the borrower associated with these loans. VA loans offer 100% financing with no mortgage insurance.

Open a home equity line of credit today. Many HELOCS can be done with no fee to the borrower. Use a line of credit to buy a new car or finance a college education. Ask about adding a line of credit to any mortgage product. Most HELOCS are interest only with adjustable rates. Some can be fully amortizing with a 30 year amortization.