• 30 year fixed
• 15 year fixed

• Monthly payments are fixed over the life of the loan
• Interest rate does not change
• Protected if rates go up
• Can refinance if rates go down

• Higher interest rate
• Higher mortgage payments
• Rate does not drop if interest rates improve

• 10/1 ARM
• 7/1 ARM
• 5/1 ARM
• 3/1 ARM
• 1 year ARM
• 6 month ARM
• 1 month ARM

• Lower initial monthly payment
• Rates and payments may go down if rates improve
• May qualify for higher loan amounts
• 30 year term, no balloon payment

• More risk
• Payments may change over time
• Potential for higher payments if rates increase

• 3% DOWN NOW BACK AVAILABLE ON PURCHASES FULL DOC
• SELLER CARRY BACK ON CLOSING COSTS ALLOWED  /LOWER DOWN PAYMENT                                                 

>SUBJECT TO INCOME AND VALUATION LIMITATIONS >Need to qualify using tax returns     >need good credit to buy

• WE OFFER 18 MONTH CONSTRUCTION PERIODS
• INTEREST ONLY ON MONEY USED
• CAN FUND THE WHOLE HOME CONSTRUCTION LOAN INCLUDING LAND AQUISITION AND LEND TO 70-75% LTV                                                          >HAVE SOURCES THAT CURRENTLY OFFER STATED INCOME CONSTRUCTION >LOANS CAN DO OWNER BUILDER OR SPEC >SEVERAL LOAN SOURCES

• May be subject to income and property value limitations
• points are charged  >Builder information  >Lending areas based on zip codes

• Don't need to verify income, use bank statements or vod
• Faster approval/LESS PAPERWORK
• Good for borrowers who may not qualify with a full income documentation program but with great credit AND CASH RESERVES

• Generally Higher rates
• Higher down payment      >Better credit score required >solid liquid assets now needed >Banks generally use 4506 Irs tax form

• You have several payment options
• Lower monthly payments
• Qualify for a higher loan amount
• Qualify at the interest only payment
• Option to pay the full normal payment
• Interest only payments for up to ten years                                                           >Can go stated income as well!

• Higher rates
• Principal loan balance will not decrease during the interest only payment period
• Payment will be higher for the remaining term

• Low out-of-pocket loan costs at closing
• Closing costs are paid from the lender rebate
• Less money required to close
• Refinance without increasing your loan amount

• Higher rates
• Higher payments
• Some lenders may have a short payoff penalty which is usually charged to the loan broker, but may be passed on to you
• Some require a prepayment penalty for the first one to five years

• THE MORTGAGE LOAN BANKS AND CREDIT UNIONS DO NOT WANT YOU TO KNOW ABOUT!!! BANKS DESIGN LOAN PROGRAMS THAT MAKE THEM MONEY!                                                                      ASSET MANAGER HOME LOANS ARE ENTIRELY DIFFERENT AND HAVE BEEN AROUND FOR YEARS OUTSIDE THE USA. THEY ARE BASED ON 3 PRINCIPLES.. 1. Interest is calculated on the average daily balance  2. Interest savings are typically greater than the interest you can earn at a bank  3. liquidity makes it possible.                                                        TO PAYOFF A MORTGAGE QUICKER WITHOUT ADDED PAYMENTS IS POSSIBLE BY DOING 3 STEPS IN THIS LOAN.               1. Reposition assets..Deposit all paychecks into YOUR NEW 1st TD line of credit to reduce principal balance                                                     2. "PARK" paycheck in mortgage account..paycheck drives the loan balance down..average daily balance is LESS             3. Use third party credit cards from the mortgage account to pay personal expenses OR USE YOUR CHECKBOOK..Then make one payment from Mortgage account to pay credit card balance. . This keeps the mortgage account balance lower for a longer period of time resulting in less interest owed.  It is that easy!!                                                        >This loan is for Residential Properties orCommercial properties!                                    >Visit our exclusive seperate website and review our free video at   www.AssetManagerHomeLoans.com     or phone 800-893-3304 today to learn more.         

• Must have excellent credit
• Must flow cash thru mortgage account
• Must have 20-25% equity in home or building

• You only borrow what you need
• Pay interest only on what you borrow
• Flexible access to funds
• Interest may be tax deductible
• May be free of closing costs
• A good source for an emergency fund, if set up in advance
• Can be used for debt consolidation and lower payments
• Rates are usually lower than consumer loan or credit card rates

• Rates can change. The maximum interest rate can be relatively high
• Payments can change
• Harder to refinance your first mortgage

• Can lend on unique situations
• Interest may be tax deductible
• Get cash out for any purpose! Fast cash.. less paperwork.  Able to go in 2nd and 3rd lien positions. Interest only loans.  Not underwritten to FNMA guidelines. Construction, Land etc. may also be aok

• Higher interest rates and points
• Harder to find the money
• Loans Typically due in 2-4 years  >Loans  max LTV to 55-65%   >Credit scores not much of a factor