Programs

Loan Programs	Advantages and Disadvantages
Fixed Rate Mortgages 40-Year Fixed 30-Year Fixed 25-Year Fixed 20-Year Fixed 15-Year Fixed 10-Year Fixed Interest Only Payment Plans Zero Closing Cost Programs	Advantages Monthly payments are fixed for the life of the loan Interest rate does not change Protected if rates go up Can refinance if rates go down Disadvantages Rate does not drop if interest rates improve
Adjustable Rate Mortgages 10/1 ARM 7/1 ARM 5/1 ARM 3/1 ARM Interest Only Payment Plans Zero Closing Cost Programs	Advantages Potentially lower initial monthly payment Rates and payments may go down if rates improve May qualify for higher loan amounts All ARMs available as interest only products Disadvantages Payments may change over time Potential for high payments if rates go up
Interest Only Products	Advantages Most of our products are available with interest only pay option periods for lower optional payments

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