Payment Option ARM Loans
Deferred Interest with Negative Amortization

Mortgage lenders offer wholesale interest rates to applicants with negative amortization, deferred interest refinancing, home purchase and cash out refinance loans online.

• 1.25% Start Rate with a 30 or 40 Year Amortization
• negative am loan amounts up to $1,800,000

With the 1.25% minimum payment option, your monthly payment is set for twelve months at the initial interest rate. After that, the payment changes each year, & a payment cap limits how much it can go up or down each year.

Whether you are a first-time homebuyer purchasing your dream home, someone looking to make a housing move, or a person interested in refinancing the equity in their home to access cash for debt consolidation or to fund home improvement projects, we have various mortgage programs that can make that dream a reality!

Sample Payments:

Get a $295,000 Mortgage for a Payment starting at $990 a month.
Get Approved today! We offer the Neg AM Loan that boasts of mortgage interest rates that start at 1.25%. Take a look at the Payment Option ARM that is helping so many people qualify for lower payments.

Get a $400,000 Mortgage for a Payment starting at $1,335 a month.
Get Approved today! We offer the Neg AM Loan that boasts of mortgage interest rates that start at 1.25%. Take a look at the Payment Option ARM that is helping so many people qualify for lower payments.

Get a $650,000 Mortgage for a Payment starting at $2,170 a month.
Get Approved today! We offer the Neg AM Loan that boasts of mortgage interest rates that start at 1.25%. Take a look at the Payment Option ARM that is helping so many people qualify for lower payments.

Save Thousands of Dollars by Locking into a Neg Am Mortgage Loan

Apply Now for a 1% Payment Option ARM Mortgage Loan

Mortgage Rates are subject to change without notice. This is not a commitment to lend. Not all applicants will qualify for refinance and home equity loans. All approvals are subject to underwriting credit approvals. MortgageLoanOutlet.com and lending partners offer loans in all 50 states.

Are Negative Amortization Loans Risky Mortgage Options? Some mortgage insiders consider negative amortization mortgages to be risky loans. With a deferred interest loan, the borrower gets to pick what type of payment they want each month. Homeowners can select one of three payment options. Fixed rate principal and interest payment Interest only payment Negative amortization with a 1% start rate have one part. If the borrower selects the negative amortization payment then it only covers a portion of the interest earned. The balance of the interest earned is added to the mortgage balance, hence the term negative mortgage. The negative amortization is also called a “neg am” loan is a loan with an deferred interest loan that offers a low payment initially. A danger is the loan balance exceeding the market value of the property. If you aren't prepared for the deferred interest that could affect your home equity, then this loan is not for you. If you understand the risks, but need a low monthly payment to help you get in the right home, then this loan is for you.