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Traditional mortgage products – including fixed-rate loans (15-, 20- & 30-year terms), ARM loans (3-,5- & 7-year terms), balloon loans (5/25 and 7/23 terms), second mortgages and home equity loans. |
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Interest-only loans – products that allow you to pay just the interest each month, maximizing your tax benefits and freeing up more money to save or spend. |
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The Cash Flow ARM loan Concept – an ARM loan that allows you to choose from four payment options each month, giving you maximum flexibility and control. |
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Our cutting-edge mortgage analysis using our internet website gives us access to over 300 lenders. This process makes finding the right product for you simple, quick and easy. The application process is just as simple. |
Five Great Reasons to Carry a Big, Long Mortgage
Reason #1: Mortgages don’t lower home values. Your house will grow in value (or not) whether you have a mortgage. In fact, most people discover that, over time, their mortgage balance falls while their home value rises – creating substantial wealth they never expected.
Reason #2: Your Mortgage is the cheapest money you’ll ever buy. Most people need to borrow money during their lives, so why pay 18% to credit cards when you can borrow at rates of 7% or even less?
Reason #3: Your mortgage is one of the best ways you can lower your taxes. Interest you pay on personal loans, auto loans and credit cards is not tax-deducible, but for most of us, interest you pay on mortgage loans is fully tax-deductible, making the cheapest loan you’ll ever get, even cheaper. Imagine borrowing money for a net cost of less than 5%! You can do it with a mortgage loan!
Reason #4: Get the cash out of the house - while you still can. The main reason people turn to borrowing is because they have little or no income. But if you ever suffer a job loss, major medical or other financial crisis, you could find yourself unable to get a home loan. That’s because lenders don’t like to lend money if you are already in financial difficulty. That’s why you should get a big mortgage now, before you need it – and while you still can.
Reason #5: Your mortgage becomes even cheaper over time. Depending on the loam you choose, your payment never rises – but your income likely will. That means today’s mortgage payment becomes increasingly easy to pay over time!
The rules of money have changed. And nowhere is that more true than with mortgages.
Option #1: Leave your equity in your home just sitting there safe, secure but stagnant.
Option #2: Your equity is working and earning you interest and is safe and available if needed to repay the loan or for income in a crisis and many other purposes.
