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Explanation of Home Loans.

PayOption ARM 1
This loan packs in many features including a low start rate and can provide monthly
payment options. If you're looking for a low start rate on the purchase of your new , this
might be the loan for you.

5/1 Adjustable Rate Mortgage (ARM)
This loan is a 30-year loan, with fixed payments for the first 5 years. These loans have a
lower initial rate and can be ideal for borrowers planning to sell their home within that
initial 5-year period. Ask us for details.

Fast & Easy
For borrowers with excellent credit, this loan program streamlines the paperwork and
documentation normally required in the loan process.
Optimum Loan
If you ever thought that certain circumstances may prevent you from getting approved for
a home loan, you may want to think again. With an Optimum Loan, you could soon find
yourself in the home of your dreams.
80/20 No Down Loan
This loan can wipe out yet another barrier to home ownership - the down payment.
Qualified borrowers can also use the stated asset option to help them get that dream
home faster. Ask us for details.
FlexSaver ARM
Similar to a home equity line of credit in first-lien position, this loan combines the benefits
of flexible monthly payment options and low interest rates. Ask us for details.
Home Equity Line of Credit
Open a revolving line of credit to help with your down payment or finance your choices.
State restrictions may apply.
Interest Only Loans
Qualified borrowers can make "interest only" monthly payments for a limited period with
the option to pay higher amounts to pay down the principal. Helps qualified borrowers
afford more home or have more available cash each month. Ask us for details.