Home     Contact Us     About Us                   "After dealing with so many mortgage companies and getting run around, we were able to lower our rate and save $1234.58 per month from your program. Thanks for being so professional and knowledgeable. We are truly your clients for life. - Nelvia & Gary Garner, Sacramento Ca   Types Of Loan   This Flexible loan allows you to decide what are you comfortable paying each month. While the loan is fixed for 5 years, it gives you OPTIONS each month. This is great Hybrid Loan that is Adjustable as well as Fixed depending on your choice. Option 1: Minimum Payment allows you to only make minimum payment which allows you to keep your cash in time of your need. This is a Great option for emergencies such as job loss, divorce, or loss of income. Option 2: An Interest Only Payment allows you to only make interest only payment giving you the flexibility of keeping most of your cash in your hands. Option 3: Principle and Interest payment based on a 30 Year Fixed Loan. Option 4: Principle and Interest payment based on a 15 Year Fixed Loan.                     This is an ideal loan for people with less than perfect credit. With this loan you get the loan you need even with less than perfect credit. The interest rate is fixed for the first 2 to 5 years after which the rate can change. This allows you 2 to 5 years to rebuild your credit and refinance to get better rate.                       This loan allows the borrowers to make significantly lower monthly payments than traditional 30 Year Fixed Loan. While your loan is Fixed for the term, you can increase your cash flow by using this loan option.                     With home prices sky rocketing nationwide, it is becoming difficult for home owners to afford their mortgage payments by traditional means. These loans are designed for today’s home owners. Extending the term of your loan from 30 to 40 or even 50 years significantly lowers your monthly mortgage payments and allows you the luxury of affording larger mortgage amount.                     Self explanatory this loan is fixed for the entire time of the loan protecting you against the uncertainty of the market. Should the rates drop in the market, you should check to see if it is beneficial to refinance and lower your rate further.                 About Us | Security & Privacy | Terms & Conditions | Site Map | Contact Us © 2007 Mortgage Company. All rights reserved.