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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.

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

With the 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!

Amazing Rates for Home Purchase Financing

It is shocking that 1 Percent Mortgage Rates do exist.. New lending guidelines allow borrowers to defer the interest of the mortgage payment until the end of the year.

Refinance your mortgage and lower your payments with interest rates that begin below the standard pricing.

Sample Payments:

Can You really save thousands of dollars by Locking into a Neg Am 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. 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.

  1. Fixed rate principal and interest payment
  2. Interest only payment
  3. Negative amortization with a lower 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.

Freddie Mac's weekly survey revealed that interest rates were finally rising.

Take out a Home Improvement loan and make those cosmetic changes that you've been talking about. In most cases, making home improvements increases the value of your property. Home Improvement Loans!

"No Income Verified" Debt Relief Programs - Is your income difficult to prove? We have debt consolidation mortgage loans that do not require the standard income documentation. (like W2's)

Do you have Less-than-perfect credit? - We specialize in debt consolidation loans even if your credit is in "the rebuilding phase".

Bankruptcy or Foreclosure - Even if you've had a bankruptcy, or foreclosure in the past, we will do our best to get you qualified for a debt consolidation loan.

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