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Negative Amortization Loans

Mortgage Loan Outlet is great place to shop loans for reduced rate payment option ARM's so applicants can choose each month what type of mortgage payment they want to make. There are not many lenders offering negative amortization or interest only loans anymore.

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What is a Negative Amortization Loan?

A Negative Amortization Loan is a low rate mortgage loan interest rate. The mortgage rates are reduced because the interest is deferred and added to the principle balance of the loan.

Get Approved today! We offer the Neg AM Loan that boasts of mortgage interest rates that start low. Take a look at the Payment Option ARM that is helping so many people qualify for lower payments.

Mortgage lenders offer reduced rates payment option ARM's so applicants can choose each month what type of mortgage payment they want to make.

Negative Am Loans are also called Option ARM Mortgages. These loans allow you to choose between 3 payments each month. You can pick a fixed rate payment, interest only payment or the low rate neg am payment.

Payment Option ARM Mortgage Rates:

  • Lower Start Rate with a 30 or 40 Year Amortization
  • -neg am loan amounts up to $1,800,000
  • Get a quote for specific terms, rates and payment examples

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

Learn more about a Neg AM Mortgage Loan

We have a number of loan options and can help you find the right lending package for your individual needs, depending on your current and future financial situation. These historically low interest rates are guaranteed to return to normal, so you can't afford to put home buying on the back burner! A mortgage program from Mortgage Loan Outlet could be the perfect solution to your financial needs!

Why a Should You Refinance or Purchase with a Negative Amortization Loan?

  • Increased Purchase Power- Qualify for a larger loan amount!
  • Increased cash flow with low monthly payment.
  • Qualify for a bigger and better home.
  • 3 payment options offer more flexibility
  • Less Documentation Needed
  • Interest Rates start lower before recasting to a high rate
  • No Point Loan Options

Credit Score Requirements

For most neg am loans, you need at least a 620 FICO score, but we offer a few programs that allow you to qualify for a negative amortization loan with a low 500 FICO score. If you have a higher credit score, it may help reduce the margin, and allow you to increase the CLTV, and loan amount.

Neg Am Loans:

  • Fixed rate principal and interest payment
  • Interest only payment (see lenders for terms and eligibility)
  • Negative amortization with an intro start rate

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 of mortgage rates released Thursday showed that rates on 30-year, fixed rate mortgages averaged 4 percent for the week ending November 6th.

For most of 2011, rates on benchmark 30-year mortgages averaged 4.25% percent, second only to last year's 4.125 percent, the lowest annual rate in Freddie Mac's record keeping.

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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We do not make loans or offer negative amortization loans. This website cannot approve loans online & this is not an advertisement for credit defined by paragraph 226.24 of Regulation Z. Copyright 2005 to 2013 and beyond, Mortgage Loan Outlet. All Rights Reserved.
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