2/28 ARM
Often referred to as a "band-aid loan" the 2/28 offers consumers with less than perfect credit the opportunity to take advantage of some of the lowest payments possible while using the monthly savings to help repair and reestablish their credit and get their finances back on track.

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30 Year Fixed
A great loan for homeowners who are planning on keeping their homes for an extended length of time. Although interest rates are moderately higher than on adjustable rate mortgages these loans offer competitive payments with the security of a fixed payment that will never change.

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Interest Only
Or a "straight note" is a mortgage that allows the homeowner to make a payment that is significantly less than a traditional mortgage for a specified period of time. This loan can help the new home purchaser afford a property that they might not otherwise qualify for or simply help the existing homeowner to reduce their monthly mortgage expense.

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1 Month COFI / MTA (Pick-A-Payment Loan)
A loan typically reserved for the more savvy market conscious homeowner which allows the homeowner to select from one of four different payment options according to their specific financial needs. This type of financing offers the absolute lowest mortgage payments in the market today. This product has slightly stricter credit requirements and has the potential to negatively amortize.