New 1.00%* ARM Loan 

          
   (APR 3.88% estimated)

Whether you need to Purchase a Home or Refinance, this OptionLoan
program is perfect for:
    º Those who want an extremely low payment for the next few years,
    º Those who are Self-Employed,
    º Those who expect a Higher Income in the coming years,
    º Those who want a more expensive home for a Lower Payment,
    º Those who need Flexible Monthly Payment Options, or
    º Those who will only be in their home for a short time, (5 months to 5 years).

The 1.00% program is all about choices. 
Each month you can choose what your payment will be.  
You even have the option of making Interest-Only payments! 

   Are you Self-Employed and can’t prove income?  No Problem! 
You simply state your income on the application...No questions asked!

  There's no difference in interest rate if you have a High or ‘Jumbo’ loan amount. 
Whether you borrow $50,000 or $1,500,000 it's all the same interest rate!

This program is an Adjustable Rate Mortgage, ‘ARM’ and the payment adjusts on the 13^th month.  
So you’re locked into a payment at 3.95% for the 1^st year!
Each year your payment cannot increase more than $75 for every $1,000 in payment.
For Example: If your first year payments are $1,000,
then the 2^nd year payments will be $1,075, and the 3rd year $1,150, etc.

  The highest the interest rate can ever go is 10.95%. * (Rates subject to change)

This OptionLoan
loan is ASSUMABLE! 

If you’re buying a home you can…
     1. Put 10% Down and have a 3.85% 30 year loan.
You have the same 2 options with a Refinance. 
You can consolidate debts and save yourself hundreds of dollars on your monthly payments! 
    1. With 10% Equity you'll have a 1.95% 30 year loan